23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my mortgage with Better Mortgage ( better.com ) in XX/XX/2020, and after closing, they instructed me to set up a new account with XXXX XXXX XXXX XXXX XXXX XXXX their servicing partner. My first payment in amount of {$1400.00} was due with XXXX for XX/XX/2020, and I made the payment in full on XX/XX/2020. 

After I made the payment to XXXX, a notice came in mail from XXXX XXXX that the servicing would be transfer from XXXX to XXXX XXXX. 

Also on XX/XX/2020 just after I made the payment to XXXX, there was an email from Better Mortgage Servicing regarding the transfer. In the email from Better Mortgage Servicing was the instruction : " If you have already paid XXXXBetter for the month of XXXX, we will pass your payment on to the new servicer and you can expect to see it post by the tenth of the payment month. " So, I expected my payment would be transferred to XXXX XXXX. 

The {$1400.00} I paid to XXXX was not posted to my XXXX XXXX account after the XXXX of XXXX. I emailed Better Mortgage Service inquiring about it. XXXX XXXX, Mortgage Expert at Better Mortgage replied and said that my payment was in process of being transferred, and that they had been advised by XXXX that these payments should be processed by XXXX XXXX and posted to the account by Monday XXXX XX/XX/2020 ). 

Today is XX/XX/2020. The {$1400.00} I paid to XXXX is still not showing up in my XXXX XXXX account, and my XXXX account shows paid-off with XXXX balance. After some more email correspondences with XXXX, they've apologized for the delay, promised to escalate the issue and let me know what was happening. Yet my {$1400.00} is still missing and I don't know where it is, and there is no update or follow up from XXXX. 

I'm very unhappy with Better Mortgage and their partner ( s ) that they transferred my loan with short and inadequate notices and further more lost my money. They have made promises that my payments would be posted by certain date on several occasions now, and yet I still don't have my money. 

I would like to know where my {$1400.00} is and get it either be posted to my XXXX XXXX account as a payment or refunded to me immediately. 

Please see the attachments for my loan and accounts information. Thank you.
Product: Credit reporting or other personal consumer reports

FCRA 605B requires us to eliminate any inaccurate accounts from my credit report. Can you please verify the documents? Some of the listed accounts have inaccuracies regarding reporting, with incorrect amounts and dates being reported.
Product: Bank account or service

This complaint is regarding Commerce Bank. I am a joint owner on my daughter 's student checking account. She transferred money through their mobile banking app at approx. XXXX on XXXX XXXX. It raised her " available balance '' by that amount. She then made XXXX debit card purchases online. Since it was after XXXX, the transfer was n't credited to her account until the next day, however, the debit card transactions that had been authorized but had not " hard posted '' counted against her immediately and they charged her {$10.00} to transfer the money from her savings account for " OD protection ''. When I called they told me had she not had OD protection she would have been charged XXXX overdraft charges. It seems unfair and deceptive for them to increase her available balance and make her think she can use her debit card and then charge her either an OD fee or an OD protection fee for subsequent transactions that are made using those funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN:XXXX DOB : XX/XX/XXXX CFPB Consumer Financial Protection bureau To whom it may concern : Checking my Experian credit report found that the closed account : XXXX XXXX XXXX XXXX Account number XXXX inaccurately posted three late payments ; those payments were for XXXX, XXXX, and XXXX of XXXX. These are erroneous, looking at the report, they report 30 days late in XX/XX/XXXX, again 30 days late in XXXX not only is inaccurate is impossible because if I paid XXXX, it had to be current in XXXX or if XXXX wasn't paid, it had to show a 60 day late but it shows a 30 day late again, you report 30 days late in XXXX. Moreover, the late fees were rescinded by the bank and I was subsequently reimbursed. 
This is an inaccurate payment history and these errors should be removed from my credit file. 

Thanks XXXX XXXX
Product: Debt collection

I have had the same phone number since 2007, and have been " Removed From Lists '' over a dozen times for the debt of someone named " XXXX XXXX '' who I've never met. I have made every reasonable attempt to get off these lists and requested proof that there ever was someone by that name who EVER had the phone number. I have received nothing in reply to these requests. Spam text messages from multiple phone numbers and regular calls from similarly various phone numbers continue to this day. 

The firm is Tate & Kirlin Associates , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX
Product: Checking or savings account

I input my social security number on the Wells Fargo website and it processed. Then I input my DOB-XXXX and it didn't work. I figured out the DOB being used on the account was XX/XX/XXXX. After inputting both the social and DOB to gain access to the account, the log in website requires a the account, credit card, or debit card number. I do not know it. There are two other compalaints I filed with Wells Fargo with email address XXXX. There is also a beneficiary account under my social security number at the Wells Fargo. I am not on good terms with relatives so they will not tell me and have not told me since the account was open. I walked into to the Wells Fargo in the XXXX of XXXX to find further information on the account, but was disserviced. I provided my birth certificate, social security number, license at the time- I have a new one, and they gave me the run around. For that reason I have not called or walked in again. Doing so, would only alert them to delete or tamper with the accounts to hide what it is they got going on. Since its my mothers account and she recieves wages from social services for adopting kids, the beneficiary account is being tagged along to make it more difficult to access. In worse case, they could be doing some white collar stuff to keep this from me. In any case, I am familiar with FDIC insurance and liability policys that banks must follow and will file a complaint with them as well. Since mother was mislead, she is not at fault for the negligence on the proffesional side.
Product: Credit reporting or other personal consumer reports

Although, the 3 credit reporting agencies, XXXX, XXXX and Equifax have removed a {$290.00} XXXX account two times. However, the {$290.00} XXXX account shows up again with a different companies and it is reoccurring on my credit file with all three companies. Most recently I have found that this account is now with XXXX XXXX XXXX and indicates that it was opened around XX/XX/XXXX, when the errant delinquencies has been removed and reappearing now, four times, since XX/XX/XXXX. Again, these were not services that I received, as I sold and moved to another state in XX/XX/XXXX. XXXX was notified by phone and through my online account that I had sold my home and was moving in XX/XX/XXXX. I did provide tangible information and proof of payment to all three credit reporting agencies. I am attaching my correspondences in this compliant.
Product: Debt collection

on   XXXX   XXXX  2017    i recieved a letter from midland funding llc. about a credit debt thinking it was a scam i ignored it. went to apply for auto loan and was denied due to collections ( midland funding llc. ) I went on to the credit beauro 's sites and posted disputes not one but twice after midland funding refused to accept the fact i had disputed it as fraudulent i called them and they did not want to listen as i told them if was a fraudulent account and the bill was not mine far to say they said i would have to have proof well i filed with the federal trade commission identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Former complaint number ( prematurely closed ) was : XXXX I requested credit reports online from all three major bureaus, XXXX, XXXX, and Trans Union. XXXX and XXXX  responded properly. 

Trans Union refused, saying it could not provide my report and I must request it via USPS, which I did. 

It then responded that it could not verify my address and asked for two pieces of proof, which I provided. 

It then responded that my report is " blocked, and that is suppressed. 

I requested your assistance. TU then demanded proof of my SSN and I provided copies of THREE documents showing it, including the actual SS card and one from TU itself some years earlier. 

As of this date, more than six weeks later, TransUnion continues its refusal to provide this report and has, in fact, not responded to my submission of SS number proof. 

I believe this to be a clear and blatant violation of the Fair Credit Reporting Act and am requesting your assistance in compelling compliance with the Act. 

Thank you.
Product: Checking or savings account

At the beginning of XXXX, Bank of America closed my account, but to this day there is still {$5600.00} in the closed account that has not been refunded to me, and they claim that they are still investigating. However, I need money urgently because I need surgery recently.
Product: Credit reporting

this number represents 2 accounts1. XXXX XXXX Bank2. XXXX CardThe information Equifax is reporting is the Date of XXXX Delinquency or Last activity as of XX/XX/XXXXXXXX accounts were opened in XX/XX/XXXXThey are not reporting the date opened. 
According to Fair Reporting Credit Act these accounts should be removed from my report as they are over 7 years old. Equifax told me on the phone they could not obtain the opened date information. 
If they can not show the correct information regarding my account. They should notbe showing anything.
Product: Credit card or prepaid card

I have an XXXX XXXX XXXX credit card that is issued by Comenity. I received an alert from XXXX XXXX that the credit limit on one of my accounts was reduced. I had not been notified by anyone so I was not sure. I had to log into XXXX XXXX to find out which account it was. Once in XXXX XXXX I found out it was the XXXX XXXX Store card. I called customer service to find out why the credit limit was reduced and the representative could not tell me. Worried about how their change would effect my score and I wish to purchase home, I asked for it to be increased but then I cancelled the request all in the same call because I did not want them to pull my credit and I plan to close the card. I received an email from Comenity stating my request to increase my balance was denied due to information they received from credit reporting agencies. My score has gone up since I got this card and I never agreed to random credit inquires so I asked that that information was and the source of the information. I was told to call customer service. I called customer service again today. Speaking to someone is not even an option. When I finally did get someone he said he could not help me and transferred me where I was asked all my information again and the call was disconnected. 

This is the email I received : Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- your credit limit was reduced to a total of {$250.00} based on information provided to our Bank by the credit reporting agencies. 

This is what I read in the last message. What information provided by credit reporting agencies? Are you all running my credit on a regular basis? How are you getting this information? Was my credit run with the last request to increase? I CANCELED THE REQUEST FOR AN INCREASE I TOLD HER I DID NOT WANT THE INCREASE. I WAS LEFT ON HOLD AND I HAD TO GO BACK TO WORK.
Product: Credit reporting or other personal consumer reports

since XXXX  i personally have been requesting the information that they use to verify my credit report. they have not sent it to me yet, i have requested it multiple times, each time they send me something different then what i ask for. this time not only did they not send me what i asked for, but clearly they added new false information to my credit report once again.
Product: Credit card

In XX/XX/2024, I applied for the American Express XXXX XXXX, which came with a welcome offer of XXXX Membership Rewards points after spending {$8000.00}. After I had spent approximately {$9000.00}, American Express denied the welcome offer, claiming that a popup notification at the time of application had informed me of my ineligibility for the offer. 

Im confident that no such popup appeared, as I did encounter the popup when applying for a different Amex card in XX/XX/2024. 

It seems this issue isnt unique to meothers have also applied for Amex cards without receiving a notification of ineligibility for the welcome offer, although such cases are rare. Discussions on the matter can be found in the following threads : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

XXXX, XXXX amount {$15000.00} Letter to remove inaccurate credit information. Sent to all 3 credit agencys. Need XXXX to remove. Hunter Warfiled Inc XXXXXXXX XXXX XXXX XXXX XXXX FL
Product: Mortgage

On XX/XX/XXXX, I applied for a loan modification with my current lender, LoanCare LLC ( also referred to as XXXX XXXX XXXX ) to reduce my monthly mortgage payments after a car accident and other medical issues. On XX/XX/XXXX, I received a letter from LoanCare, dated XX/XX/XXXX, stating that it would offer me a Trial Payment Plan for three months from XX/XX/XXXX to XX/XX/XXXX. However, this offer only reduces my mortgage payment by {$66.00} a month. It does not provide any proposed terms such as the interest rate, whether the interest rate will be fixed or variable, and whether there is any option for a lower payment after the trial period. The interest rate could go up substantially after the trial period. It also contains language that makes me vulnerable to foreclosure. For instance, on Page 3 of the letter, it states that " Our acceptance and posting of your payment during the Trial Period Plan will not be deemed a waiver of the acceleration of your loan and related activities, including the right to resume or continue foreclosure, and shall not constitute a cure of your mortgage default unless such payments are sufficient to completely cure the default. '' LoanCare also states in its letter that I was not eligible for the " 40001-Repayment Plan because the borrower has negative surplus income which is not sufficient to bring the mortgage current. '' I feel pressured to accept the plan since LoanCare can accelerate foreclosure if I do not accept the Trial Period Plan, However, the minimal savings of {$66.00} per month does not give me sufficient financial relief as a struggling single parent with health issues. In summary, I feel that the proposed trial plan is a deliberate set up for failure.
Product: Credit reporting or other personal consumer reports

I have made multiple requests for removal of this unauthorized inquiry that is not attached to anything on my account. 
- XXXXXXXX XXXX XXXX XXXX XXXX I have made multiple requests for removal of these wrong addresses and I have sent proof of my correct address. The company has added the correct address but did not remove the incorrect addresses. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made multiple requests for removal without proof that I gave permission to share my information and there has not been any activity to rectify the issue. No proof that I gave permission nor removal, per 15 U.S.C. 1681b. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

During a very harsh personal situation - XXXX XXXX, I received a phone call from Citibank asking me if I used the Citibank/Home Depot card lately. I told them that I never used this card since XXXX time frame when I needed it to get new windows for my house. I also mentioned to them that I did not know that I still have credit with them, more exactly {$5000.00} credit that they assigned me. During the summer, I received a few calls and an email + online receipts from somebody from Citibank trying to push me onto recognizing the purchases. I did not recognize those purchases made online since my card was not used to make those purchases. After a provisory credit of 2 months, and they never sent me a letter to announce that the provisional credit had stopped. The Citibank/Home Depot bills started in XXXX. Since then, they are coming regularly with added monthly interest. To me this is a very clear case of cybersecurity theft and a credit cards behavior of getting their money back on the expense of customers like me. I do not understand why should I pay for bills/purchases that I never made nor that somebody authorized by me made those purchases. All the Home Depot purchases that I made this XXXX were purchases made and paid by phone, with my XXXX card. I completed a police report ( on XX/XX/2023 ) and contacted XXXX and XXXX XXXX. I plan to contact XXXX as well, I will also contact the CitiBank/Home Deport card suc as to consider an appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I have tried submitting dispute requests via mail to XXXX/Transunion, however they are not responding back at all no matter how many dispute letters I mail out. I know that this is not the correct protocol and I will like my disputes handled today. I am requesting the deletion of these below negative items that does not below to me. 

XXXX  XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX not my account XXXX XXXX XXXX  XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXX  XXXX unknown account Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XX/XX/1977
Product: Debt collection

I noticed an Adverse account In Collections reporting on my credit report from for a {$210.00} debt balance to Credit Management LP. I had never heard of this company and I never signed a contract with them.

I contacted Credit Management LP by phone on multiple different occasions to advise them that I dont know anything about the debt that they are reporting and I requested that they remove it. In my calls I offered to pay the debt if the would agree to delete it so that I would not continue to suffer from the negative impact that this junk debt had on my credit.I did not know that I could contact the CFPB to assist me with getting this erroneous account removed. This is not my debt. I have not  ever conducted any business with Credit Management LP. I have never requested their services or signed an agreement to pay Credit Management LP for anything. Please stop this company from reporting this erroneous debt on my credit bureau reports immediately. Thank you for your kind assistance.
Product: Checking or savings account

I scheduled a billpay with BofA on XX/XX/XXXX. On or about XX/XX/XXXX, the recipient notified me that they had given me the wrong address for the check and asked that I cancel the check. I called BofA and asked them to stop the payment and void the check. They said they would do so and that no funds would be withdrawn from my account. Two weeks later, the recipient received the check and destroyed it. Note that the check said it came from a different bank from BofA ( how did that happen??? ) I wrote a new check and handed it to the recipient.

Bank of America never canceled the original {$8000.00} payment. So, in total, two payments of {$8000.00} were taken from my account, even though only one of those  checks was cashed by the recipient adn the other check was promised to be voided by BofA.
Product: Debt collection

PayPal calls every two days with the same exact script, contending they have no record of calling more than once a week. When I answer, they usually will wait 5-10 minutes before actually speaking and never listen to the info I share or have any knowledge of the online message center information I have shared while past due.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  shows an installment loan in my credit bureau reports which I never applied for.
Product: Credit reporting

I have been filing a dispute for months for XXXX XXXX XXXX XXXX acct # XXXX, the tax lien has been removed from all bureaus as well except Equifax , and XXXX acct # XXXX. XXXX has removed both of them but Equifax left it on, I thought all credit bureaus used the same investigative measures. I sent a letter to Equifax letting them know that the other credit bureaus removed it and Equifax left it on showing verified. The account for XXXX XXXX I never lived at the address XXXX XXXX XXXX nor did I ever have XXXX & XXXX and the XXXX acct # XXXX belongs to my son, we have the same first and last name and different ssn.
Product: Debt collection

I am in the process of working on a loan and was alerted to a collection from XXXX XXXX by my credit monitoring APP. In haste I paid the amount not knowing that I had an option to verify/dispute the validity of the debt. This was not conveyed to me by Convergent when I reached out. Due to this I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of great concern regarding the response times from the three major credit bureaus - [ Equifax, Experian, TransUnion ]. As per the guidelines set forth by CFPB, these credit bureaus are required to respond to consumer inquiries in a timely manner. 

Unfortunately, I have yet to receive a response from any of the credit bureaus after reaching out to them by written communication dated : XX/XX/year> to formally request the modification of derogatory information on my credit report in accordance with all applicable federal and California state laws, current case law, codes, statutes, constitutions, and rules. Several items on my credit reports are inaccurately reported and should be corrected to reflect accurate information. 

It has been well beyond the time frame specified by CFPB, and I am growing increasingly frustrated with the lack of communication and resolution from these entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me.

Please see below the list of accounts that are reporting derogatory on all credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

6. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

8. Identity Theft BRCLYSBANKDE  Date of inquiry : XX/XX/XXXX This is not mine.

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.