23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please note previous CFPB complaint id : XXXX XXXX which was closed as resolved. However, Mr Cooper ( a/k/a Nationstar Mortgage ) still has not resolved the problem. 
Owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Due to the insurance crisis in Louisiana, many insurers have left XXXX XXXX leaving only XXXX XXXX to insure properties. As an upstanding citizen, I immediately received updated insurance with XXXX  XXXX. The updated insurance policy was sent to Mr Cooper too many times to count, from both XXXX XXXX XXXX and myself, by emails, fax and uploads to their site, which did not remain after two previous uploads. The insurance department was in receipt of updated insurance providing emails stating " nothing due nor action required ''. However. servicing does not appear to communicate with the insurance department as they repeatedly send mail and emails stating lapse in insurance and added escrow and late fees to be added to my mortgage, which I have never escrowed, which also caused more calls and attempts to send proof of insurance. 
After I provided initial complaint to CFPB id : XXXX XXXX, this non-issue seemed to be resolved as a letter from Mr Cooper was received stating insurance received with no additional escrows would be added to my account and it would take up to 10 days to remove the added fees on my mortgage However, shortly after receiving that letter, I was also mailed a check in the amount of {$150.00}, which I did not cash as it should not have been received since this was due to fees that should not have been applied to my account and did not require a refund ( check attached ). Despite receiving an unwarranted refund, I continually receive emails stating that I am late with a negative amount showing due to escrow and late fees. Mr. Cooper 's website shows a balance due of {$760.00} where as my XXXX mortgage statement shows total due in the amount of {$1400.00} rather than my fixed payment at {$690.00} per month, which is paid directly from my bank account every month, which means that I have never been late. nor escrowed. Please see attached last 13 month payments from my XXXX bank account along with XXXX XXXX correspondence dated XX/XX/2023, as part of feedback from my initial CFPB complaint, which also includes their accounting of repeated late fees/ escrows falsely added to my mortgage. Again, I have never had escrows nor have I had a lapse in hazard or flood insurance. I have attempted to speak to them and I can not get anywhere as service representatives do not comprehend what has incorrectly taken place on my mortgage. I feel it is abuse to repeatedly receive emails stating that I am late / past due on my mortgage. Please have XXXX XXXX update my mortgage correctly without any late fees nor escrows. Thank You.
Product: Checking or savings account

On XX/XX/2024, my account was compromised with fraud. I had 3 transactions that was attempted. 2 items were posted and 1 of the transaction fell off. I called Wells Fargo to report the transactions once I saw the email I received from them. On XX/XX/2024 I called in to Wells Fargo because the transactions posted. I spoke with 4 different representatives. One representative informed me that Wells Fargo had contacted me by phone, text, and email in regards to the transactions. That was false information. I never received a phone call or text but only an email from Wells Fargo. Another representative stated that I told the initial claim representative put on the claim that I was in possession of the card that fraud occurred on which that was false information.
Product: Money transfer, virtual currency, or money service

- I published a comment on an event 's XXXX  page asking if anyone was selling tickets to their event this coming Saturday. I then got several messages from people trying to sell me their tickets - Out of all the people, one of them seemed to have a high follower count so I believed they were a legitimate seller. They still insisted I use XXXX, but I asked that they transfer the ticket to me first - I felt compelled to send them the money quickly after they transferred the ticket. It took a while for them to transfer it to me. 
- They told me that the ticket would appear on XXXX ( the original seller of the event ticket ) - When I received the email appearing to come from XXXX, I promptly sent them a XXXX payment through Chase to the email they provided me : XXXX - It was hours later when I still hadn't seen the ticket in XXXX that I realized that the email I received was from XXXX- I tried contacting them to ask for a refund, but they left me on read.
Product: Debt collection

I discovered several medical debts on my credit report in XXXX, XXXX. I submitted an identity theft report to all credit bureaus. This fraudulent debt from XXXX XXXX was placed with debt collector named XXXX and was removed. In XXXX of XXXX, a debt collector called Commonwealth Financial placed the debt in my credit report without notice or an opportunity to dispute the debt in violation of the FDCPA and FCRA. On XX/XX/XXXX after receiving notice of my identity theft report the debt collector, Commonwealth Financial unlawfully verified the debt. The debt is fraudulent and not mine.
Product: Checking or savings account

This problem been persistent. XXXX failed to resolve my issue I even went to extent of filing a police report. 

Fraud mail is coming to my house. 
I am a senior citizen, and I am being taking advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just disputed this account listed below that showed up on my credit report it caused me much anger and disbelief to see this inaccurate and unverifiable information your agency didn't ensure to be remove from my report but instead just update it. By law I own the right to obtain the steps that were taken to verify this account on my report by your agency. 

XXXX XXXX Date opened : XX/XX/XXXX Status : Closed. {$60.00} past due as of XXXX XXXX. 
Status updated : XXXX XXXX Balance : {$470.00}
Product: Student loan

1. I submitted an application for the SAVE Repayment Plan on the FSA website on XXXX XXXX, XXXX. 
2. According to my FSA.gov account activity, the application was processed and review completed by FSA, and then sent to my loan servicer Mohela. 
3. On XXXX XXXX, XXXX, I spoke with a customer service agent at Mohela to request an update on the status of my application review, which has still not been implemented. 
4. The customer service representative confirmed that my SAVE Plan application is still in review, and was unable to give me any estimated timeframe or expectation of how long my application will take to process. She confirmed that some SAVE Plan applications have been successfully processed and implemented, but was unable to provide any general timeline for how long that process took on average, or what I could expect for my application. 
5. The options I were given while I wait indefinitely for my application to process were to either : - Continue to put my account in forbearance so that I'm not required to make payments, but will continue to accrue interest. Forbearance periods are only 3 months long, and it will be my responsibility to continue to contact them and re-apply for forbearance every 3 months as long as my SAVE Plan application is still being processed ; or - Continue making payments at the amount due on my current plan, which is twice the amount of my estimated SAVE Plan monthly payment. 

The problem : Mohela has essentially put my application into an indefinite " holding period. '' Unless I want to keep my account in forbearance and continue accruing interest, I'm expected to continue making payments at my current monthly payment amount indefinitely, with no estimated timeline for when I'll be switched to the SAVE Plan that I've applied for. 
This means ( and the customer service agent agreed ) that I theoretically could continue repaying my loan at my current monthly payment amount for years and even pay off my loan before Mohela processes my SAVE Plan application.
Product: Credit reporting or other personal consumer reports

: This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or innated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US ID THEFT REPORT Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are NUMBER the result of identity theft and fraud. 
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 Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My kohls charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted kohls department store and made payment arrangements to bring the account current. I explained that kohls would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday XXXX/XXXX/2017 that I was given wrong information. I made 3 payment arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and kohls will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with XXXX but was not able to dispute it online with XXXX and XXXX as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes kohls will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by XXXX points.
Product: Checking or savings account

On XX/XX/year> I got a personal loan for {$5300.00} ( Because I really needed the funds ) I deposited to me account that same day and the funds got put on hold, ive been going back and forth with the loan company ( XXXX  XXXX ) and my bank Citizens bank they told me the funds where going to get released on XX/XX/year> which is today. My funds never cleared I called the bank AGAIN, they keep on saying that it is XXXX XXXX institution that cant release them, XXXX XXXX keeps on saying its my bank that wont release them. We then spoke to the checks institution bank and they confirmed that they have released the check and the funds have been pulled out of their account on XX/XX/XXXX, Citizens bank are the ones holding the money from me and will not give me an answer to why! 
I need to make my first XXXX XXXX payment for this Loan on XXXX the XXXX. How am I supposed to make a payment for something I never received? I need to know whats going to happen with my money now.
Product: Credit reporting

I have been verbally told and using tools through the XXXX credit bureaus websites informed that there is no block on my credit reports. However XXXX has closed my mortgage loan modification file due to their alledged attempts to obtain my credit report and said report being " locked. '' The credit bureaus refuse to provide anything in writing stating that my credit reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Mortgage Obligation Post-Divorce Settlement I am writing to formally dispute the mortgage listed on my credit report, as per the court judgment in my divorce settlement which mandates my ex-spouse to assume full responsibility for said mortgage. Kindly update my credit report accordingly to reflect this legally binding arrangement. Furthermore there are several reporting violations listed with said mortgage.
Product: Credit reporting or other personal consumer reports

Ive been in communications with Experian about inaccurate personal information on my credit report. Even after notifying them many times about this error, they continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told Experian many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information 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  After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my credit report that XXXX XXXX SHOULD NOT be being reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I say this because, the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Furthermore, I never gave any consent for these alleged transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time I have had to file a complaint with the CFPB on XXXX XXXX to get this corrected. I really dont understand. I file a complaint. XXXX XXXX removes the incorrect information then a month later it reappears. My credit report at all three credit bureaus once again show me having late pays XX/XX/XXXX and XX/XX/XXXX with XXXX XXXX. In XX/XX/XXXX, I was a victim of Hurricane Irma. I do realize XXXX XXXX has no legal obligation to work hurricane victims so all I can do is accept this late pay BUT XX/XX/XXXX I will not accept. XXXX XXXX misapplied a payment I made to someone elses account. They are fully aware of this. There are notes all in my account with them along with a copy of the canceled check. The correction to my account was made back in XXXX. They just keep adding this 30 day late pay reporting to my credit report which is unfair and against credit reporting regulations. They can not hold their mistake against me. I should not have to keep disputing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX data breach of 2017. and the Alaska XXXX XXXX XXXX  data breach KIKOFF LENDING , LLC # XXXX {$20.00} is not my account
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information. that is being reported to my credit file. this has been an ongoing issue that never gets a response to update an delete the information correctly. looking over all the data listed these items have been reporting illegally an fraudulent information that has caused alot of damage to my credit report. please review an remove the listed items selected to help clear may credit report asap.
Product: Credit reporting or other personal consumer reports

I had some charges on discover card for {$6300.00} and i file fraud claim as those were not done by me. I asked them to provide the details on investigation and instead they send me a letter stating the all the charges are valid. I have filed a police report as well but they are not considering it. XXXX has reported to credit bureaus and my credit score went down drastically.
Product: Credit card

I applied online for the capital one quicksilver credit card and when terms were emailed to me they were different from the website. The site stated no annual fee and 0 % interest on purchases and transfers til XXXX 2015. My card came mailed to me with NO terms with the card, that 's the first time that 's ever happened to me. I called and of course the terms were the worse terms that was emailed to me. These new terms had a {$39.00} annual fee and the 0 % apr for transfers was gone.
Product: Student loan

Hello! I have made overpayments on my federal student loans above the 120 payments required. I did get loan forgiveness but I have paid money above the 120 payments. I have asked XXXX XXXX and now mohela to return the overpayments. I have had my payments verified by XXXX - I can reupload the information if need be but have uploaded to XXXX XXXX and Mohela all my bank statements/history etc. I was told by Mohela on XXXX by XXXX XXXX - mohela representative, that my overpayments will not be returned but applied to the account. I do still have roughly XXXX in a XXXX  loan. However the overpayments were made on my student loans, and I don't see how they can keep my overpayments or my money. Its money I paid over 120 payments, if I would have known I was paying over 120payments I would have stopped. So I am unsure how mohela can keep my overpayments, its money I paid over the 120 required for the PLSF/TEPSLF forgiveness. I can't seem to find anyone to help explain that to me or who I should call next. I also don't know who to turn to for help in resolving this matter if Mohela keeps my extra money. Thank you, XXXX
Product: Credit card

I have inaccurate late reporting on my credit file. I have contact the credit agencies to dispute this and they stated that the information was verified. I find that hard to believe considering that all of the credit agencies are reporting something totally different. I asked that you Capital One remove all of the late payments from since their reportings have several discrepancies. I know that I had not been late on any of my payments to Capital One.
Product: Debt collection

I received a letter dated XX/XX/2019 trying to collect {$20000.00}. 

The FDCPA aka Fair Debt Collection Practices Act, I have every right to request validation of the debt you say I owe you. Associated Credit Services must supply physical proof that I am the person you are asking to pay this debt and that there is some sort of contractual obligation that is binding on me to pay this debt.

This is absolutely not a request for verification or proof of my mailing address, but a real request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

I am requesting for the following : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor  regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent for Associated Credit Services , Inc. in case legal action becomes necessary. Your claim can not and will not be considered or accepted if any portion of the above is not completed and returned with copies of all requested documents. 

This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 

Finally, I demand that your company cease all phone calls and robo calls immediately. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of Intent to Sue XXXX XXXX is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is erroneously reporting bankruptcy case number XXXX as belonging to The Consumer. The Company has not verified the following information and is currently reporting inaccurately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( The Consumers name is not XXXX XXXX XXXX XXXX as reported ) Bankruptcy Court Details : Court Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Source Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Petitioner Represented By Attorney : Yes Petitioner or Attorney Address : XXXX XXXX XXXX, XXXX, CA XXXX XXXX The Company has continuously violated The Consumers rights by reporting this inaccurate information. As of XX/XX/23 The Consumer has not received notification that The Company has deleted the above mentioned bankruptcy from its database.