23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$18.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Student loan

I have been working in public service since XX/XX/XXXX, for the same eligible employer. I consolidated my loans in XXXX XXXX  XXXX and they were transferred to Mohela from XXXX. I have submitted employee certifications covering the period of employment from XX/XX/XXXX through XX/XX/XXXX. The certifications have been processed, accepted, and the period of time is considered " qualifying ''. 

HOWEVER, when Mohela updated my payment counts, I am only getting credit for 65 payments when my counts should be over 120. In fact, when XXXX was servicer, they had already certified 85 qualifying payments so this makes no sense. 

I have contacted Mohela numerous times via telephone and chat option. I have spoken to several supervisors. I have been told by three different supervisors that there are errors in my counts, they can't explain them, and that they are sending emails to other departments for an " expedited '' review... however, nothing has changed and nothing has moved. The counts are still at 65. I have been contacting them since XXXX, most recent contact was today. 

I have also submitted two complaints to XXXX, requesting they provide additional information to Mohela ( at one point, Mohela stated they were waiting on XXXX ) and/or that they reevaluate the record and update it. Those two complaints are still under review and as of this morning, I was told via chat when I asked for a timeframe for a response, " there is no timeframe ''.

I do not understand why supervisors at Mohela have recognized there are errors and yet months later ( this was first recognized in XXXX ), nothing has changed, my counts are still at 65, and if these mistakes had been corrected I would be more than eligible for forgiveness at well over 120 payments.

I am incredibly grateful for this opportunity but also, incredibly frustrated that what seems to be a simple/easy " case '' ( same employer, already certified, XXXX ) is taking so long to update/review for errors already identified by three different supervisors.

The amount of my student loans directly impacts my livelihood, ability to obtain a mortgage at this time, and ability to move out of the non-profit world in which I have worked for well over 25 years as a XXXX XXXX XXXX. 

I have attached the most recent certification form submitted and processed by Mohela and the XXXX " count '' as proof that the counts provided by Mohela are simply not accurate! 

Anything you can do to assist would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have two auto leases with TFS. Due to a XXXX of my father, I had to change the way the payment was drafted. Once this change was made, they began applying payments to my XXXX, when they were intended for the XXXX. The XXXX ended up have multiple 30-day late reports on my credit. Backup information was supplied to TFS.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Mortgage

we recently had a fire on XX/XX/XXXX. On XXXX XX/XX/XXXX I sent all to documents required that Carrington Mortgage Service, LLC loss draft needed via overnight mail. Since then they still have not released my check to rebuild our house. It's a large sum of money that they are keeping from us. Over this period of time from XX/XX/XXXX when they received the documents they have been stalling. Each time we call we speak to a different person, they tell us each time that we need to send over a different document, which I fax again, which has already been sent. I have sent these documents multiple times via fax and email. Everytime we call they have an excuse and we still have not gotten a check yet to start construction. I myself have called, my husband, my contractor, and my public adjuster. My public adjuster called on XX/XX/XXXX and spoke with a supervisior and she said she would have the funds sent over. Well that was a lie also. This is getting out of hand and I'm not going to tolerate this anymore with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I submitted a dispute letter to TransUnion challenging several account that is clearly in violation of FCRA rules and reporting multiple inaccuracies. On XX/XX/XXXX I receive an updated copy of my credit report. The updated copy referred to the disputed accounts as verified and updated ( Please see attachments ) As appears on my credit profile. 

XXXX XXXX XXXX is reporting a reaged account. XX/XX/XXXX This is a clear violation XXXX XXXX XXXX is reporting a past due balance of {$980.00} but original creditor reports a past due balance or credit limit of {$450.00}. 
This is a violation. 

XXXX XXXX XXXX reports that this account was verified and updated on XX/XX/XXXX. However, Transunion still reports multiple inaccuracies. This a violation XXXX XXXX XXXX currently reports as verified while account also reports 120days late payment/ 90days late payments/60 days late payments/30 days late payments. 

XXXX XXXX XXXX currently reports last updated on XX/XX/XXXX even though account was disputed last month XX/XX/XXXX. This is a violation XXXX XXXX XXXX TransUnion XXXX last date of payment on XX/XX/XXXX. This is inaccurate reporting. Last date of payment sent to the original creditor was in XXXX of XXXX. 

XXXX XXXX XXXX  XXXX currently reports a past due balance of {$3500.00} on a collection account ; this a violation. 

XXXX XXXX XXXX XXXX currently reports as updated and verified on XX/XX/XXXX even though I've specifically challenged and disputed account reporting a payment history on a collection account. This is a violation XXXX XXXX XXXX currently reports late payments on a collection account ; 120days late payments/90days late/60days late. This is a violation XXXX XXXX XXXX currently reports that last payment received was on XX/XX/XXXX, however last payment sent to the original creditor was on XX/XX/XXXX. This is inaccurate reporting XXXX is reporting a unknown account without methods of verification. This is a violation XXXX XXXX is reporting a unknown account without methods of verification. This is a violation.
Product: Debt collection

Penn Credit sent me a collection letter related to a purchase I made on the XXXX website. I called Penn Credit and informed them that the XXXX purchase had been paid and I would be happy to send them proof of same. I sent them proof of payment from my bank account with XXXX XXXX, together with a cover letter requesting that they verify the payment with XXXX. 
After sending the letter, I never heard from Penn Credit for approximately three months until recently I started receiving collection calls from them with no reference to the evidence of payment I sent them. 
They now call on a weekly basis and I now choose not to answer the calls and they do not leave voicemail messages. I interpret this behavior on the part of Penn Credit as harassment and I want them punished for it.
Product: Mortgage

this is an ongoing complaint with Wells Fargo complaint # : XXXX. A XXXX from wells Fargo contacted me and assured me that she will do a complete investigation on the concerns I brought to her attention. Shortly there after another representative contacted me to start yet another loan modification process. On XXXX/XXXX/16 Wells Fargo requested another 60 days to address this matter. But a letter sent to XXXX XXXX dated XXXX/XXXX/16. States there decision has already been made and state we have review this in the past and we see no reason to review it again. XXXX XXXX was denied the loan Modification for to produce paperwork required. Which XXXX XXXX approved the mortgage and stated he need to show proof of residency which was supplied then denied stating he changed his address just to get the loan modification. So how can they deny on the fact no significant changes when he was approved and also stats the are doing a full investigation and require a 60 day extension and have made there decision on XXXX/XXXX/16. This is clearly age discrimination which is against the law. when you supply all documents get approved then denied are told he will be fully investigated and your reviewed team refuses to even look at all the facts to see he was approved. Which confirms are suspicions. This company need sto start being honest with the consumers and telling the truth and working together with each dept and the consumer to work out a resolution instead of being so anxious to throw a XXXX year old XXXX Veteran into the street instead of with his family where he belongs. Reading all the notes you will see where my comment is coming from and understand working on a loan modification while your attorney is back dooring a lis- pendens without even notifying XXXX XXXX
Product: Vehicle loan or lease

RE GMAC Financial Leasion XX/XX/XXXX Turned in my lease to the dealership XX/XX/XXXX called to check on status of my bill. Told me it may be up to 90 days. 
XX/XX/XXXX called again to check on status as was showing up as unpaid debt on my credit reports. They told me this was impossible since the bill was not completed. 
XX/XX/XXXX After failing to acquire a loan b/c of " overdue '' charges, to my GMAC Financial, I spoke with " XXXX '' and then " XXXX '' who noted " there was trouble with the system '' and they would expunge the negative report from my credit ( did happen ) ; send me a copy of the correspondence ( failed to do this ) and refused to have someone reach out to me RE what went wrong and how they would correct this in the future. 
XX/XX/XXXX. Seeing again, that money was owed to GMAC financial on my credit report, I spoke to " XXXX '' and then " XXXX '' who was unsure why a bill had not been sent ( after again confirming my correct address ). Again, they essentially refused to have someone reach out to me. This has taken hours of my time to resolve and created financial stresses.
Product: Mortgage

Wells Fargo Mortgage pre-approved my wife and I in 2021 for {$500000.00} home mortgage. After we selected our home, went through the escrow process to close the home loan, the day after our closing date Wells Fargo called and said they now denied the mortgage. 

The process to purchase the home including down payment, due diligence, and inspection fees came to {$10000.00} which most was paid to the sellers. 

Wells Fargo deceived us and are responsible and liable to reimburse us for the fraudulent pre-approval home mortgage.
Product: Mortgage

As the result of the complaint I filed against XXXX and they sold my Loan to Select Portfolio Servicing , Inc with my monthly mortgage still going up. They want me to pay XXXX a month for a house valued at XXXX maximum. I am petrified to try again to get a loan modified or try keep my home. I contacted a counsel from the Homeowner Hotline she and I spoke with representation for Select Portfolio Servicing , Inc. asking for a short sale. They agreed finally and gave me XXXX XXXX a Real Estate Agent they use from out of Georgia. He came out to my house, took pictures and place them in XXXX along with a sign in my yard and a key in the lock box on my door. Select Portfolio Servicing is telling me that they did agree to the short sale or any other arrangement relating to my house. I have taken all of their calls early in the morning and in the evening hours repeating my intentions and sending any required documentation to them. My desired resolution is to put all of this behind me and the opportunity for a short sale.
Product: Credit reporting or other personal consumer reports

XXXX has violated many consumer rights, in engaged in insurance fraud, deceptive practices and unjust enrichment. XXXX has sent letters asking to settle the matter, the most recent in XX/XX/XXXX, but have not responded to faxes sent to multiple departments and phone calls to the departments mentioned in the letter. XXXX has ignored financial instruments intended to settle the account in XX/XX/XXXX. XXXX has ignored IRS Fiduciary form 56 sent XX/XX/XXXX, to settle the account. XXXX has ignored UCC1 ( # XXXX ) and UCC3 ( # XXXX ) filing in Washington State and mailed directly to XXXX in XX/XX/XXXX. XXXX reported a loan balance of {$0.00} between the months of XX/XX/XXXX and XX/XX/XXXX on the consumer 's account. XXXX filed insurance claims and collected monies on account XXXX in XX/XX/XXXX, yet continues to try and collect on the account, directly from the consumer ( as of XX/XX/XXXX ). 

XXXX has reported CHARGE OFF status with the credit reporting agencies, yet refuses to send the tax documents ( or any for that matter ) stating that it has been charged off. 

XXXX has given, without permission, the consumer 's information to multiple parties ( violation of 15 USC 1681 ( a ) ( 4 ) who have since violated consumer rights, harassed the consumer, including the consumer 's friend 's and family. Harassment and abuse are covered under 15 USC 1692d and 15 USC 1692g. 

XXXX have allowed assigns to file lawsuits, in XXXX XXXX, Kentucky. The contract specifically states that the laws of Washington State shall govern the contract. 

The consumer continues to be railroaded and ignored while XXXX effectively pursues unjust enrichment off of the consumer, between the securities created, payment from the consumer, cashing out on an insurance claim and attempted collection of the XXXX XXXX XXXX XXXX. Is a tax exempt, non profit organization allowed to do this? How can one organization claim to be not-for-profit, hold tax exempt status and collect on one contract several times? This has been documented in many communications with XXXX and XXXX has not rebutted any of the claims. 

On their website, XXXX states they are a " not-for-profit, member-owned cooperative ''. They hold a not-for-profit and tax exempt status with the IRS. 

In a letter dated XX/XX/XXXX XXXX has been urged to make this right with the consumer, but as of XX/XX/XXXX they have yet to do so.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Dispute payment XXXX XXXXXXXX XXXX in amount {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit cards provide me with my credit score. My score has been steadily growing over several months now - there has been no new inquiries, my credit limit did n't change, and my debt amount has been decreasing by $  XXXX /month. Not only TransUnion shows incorrect Score to begin with, but it also provides different information to different cards, and it took it a step farther when it wrongfully showed my Score falling by  XXXX  points in  XXXX  and  XXXX . I placed several calls with them - got bounced around with no result whatsoever. Filed a complaint through   XXXX   XXXX   XXXX   ( one of my cards getting info from TransUnion ) - did n't hear back from them other. I can not find the way to get anybody to answer a simple question : why would my score fall by   XXXX   points with TransUnion if it grew by  XXXX  at the same time period with other  XXXX  agencies. Representatives appear to be completely incompetent and they do n't even try to help. All they do is trying to sell (!!! ) me my today 's Score info for {$9.00} - makes a lot of sense in this situation ... I do n't understand why the company that is an obvious jobs-outsourcing fraud has been granted access to the most crucial information on every American? And why our Government does not control their activities???
Product: Credit card or prepaid card

On XX/XX/2021 my wife went to an atm from XXXX in XXXX, OK. She attempted to withdraw some money and was declined. She thought it was because we didn't have the funds ( XXXX ) and it was returned to our XXXX  by AMEX from XXXX XXXX XXXX She tried again but this time for XXXX, this time the atm did the same thing but XXXX took XXXX money and wont give it to us. They told us to file a complaint with the bank and the bank told us to do it with them because we were their members. 

I did file the complaint with XXXX on the very same day. They explained to me that it can take up to 45 days to complete the process review and return my funds. But the also said and this is where my problem is, " If we do not resolve your claim within 10 business days, I can be rewarded a temp credit for the missing fund. '' I have called them everyday asking for the status update. I have spoken with exactly 6 billing supervisors since the XXXX and they all keep giving me different days when the 10 days would be. Was told the XXXX by 3 of them then the XXXX by one and now the XXXX by the last XXXX. They have all said the bank is holding up the return of the money. 
I went last week on the XXXX to the bank after talking to them about this issue. 

On the XXXX I printed of and brought the dispute form to the bank because XXXX told me they were the ones hold up the refund. I spoke to the bank manager and the people who work disputes for the bank and they said they had not received any forms from XXXX like XXXX said they sent. I gave them the dispute form I had and they said once XXXX sent their copy, their policy is to work it the same day. 

As of today, the XXXX, XXXX is stating they are delaying my 10 day credit, due the bank not responding to them. I have spoken with the bank today before I called XXXX 3 times today to be told the same like the bank is holding up the process. And that even though the XXXX and XXXX supervisor told me I was already approved for the credit they don't know about that. They can't promise that or see it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all XXXX credit bureaus on XX/XX/ updating my personal information that is inaccurately being reporting on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.