23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have run into many issues getting a home due to the 3 credit bureaus reporting inaccurate information on my credit report. I have disputed the inaccuracies and each bureau have responded only which letters showing the creditor verified the account. I have asked for the bureaus as well as mailed letters to the creditors asking them to supply information on how they verified the accounts and I have not received any responses. I began disputing with Experian, XXXX, and XXXX on XXXX XXXX. It is now XX/XX/2021 and the same accounts are still on my credit report. I have mailed proof of the inaccuracies while highlighting and pointing out the inaccuracies. It is a disgrace that the bureaus work against the consumers instead of follow the laws set forth for them to be effective at keeping our credit reports accurate and complete. I sent more letters to each credit bureau on XXXX XXXX, expressing my total disagreement with the verified results. They have failed to follow the Fair Credit Reporting Act laws " to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. ... intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. '' I mailed letters to each creditor and none of them responded with documents or proving that the debt is mine or how they verified the information. I demand that these accounts be removed from my credit report for failure to respond and also for inaccurate reporting on behalf of the credit reporting agencies.
Product: Mortgage

I submitted an application on XXXX website as directed by my mortgage company. I submitted documentation several times and used my savings to pay my XXXX mortage to not go into default. I called XXXX times and was told on at least XXXX different occasions I would get a call back and my call would be escalated. I have not received a call back at all. I have submitted documentation again XXXX and I still do not have an update and I now have no way to pay my XXXX mortgage because they will not assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX XXXX and my home ( a mobile home ) at XXXX XXXX  XXXX, XXXX, NV XXXX burned down more than two ( 2 ) years ago. I reached out to my loan servicer ( Loan # XXXX ), Community Loan Servicing ( Number XXXX ) when I inquired they advised me that I did not have insurance. I was approached by a friend of mine who is skilled in real estate and he looked at my payment statement and advised me that I had an impound account and I, in fact was being billed for insurance. XXXX XXXX became my Third Party Authorization and Power of Attorney. He sent the documents on XX/XX/XXXX. He then called the company on XX/XX/XXXX and spoke with a representative named XXXX in the XXXX Call Center. XXXX refused to answer any questions related to the insurance. XXXX XXXX then called back multiple times with the question about the insurance and escrow accounts only to learn that there was a lender placed insurance policy. And, in XX/XX/XXXX the lender received a check for {$82000.00} which should have fully satisfied the loan. I am asking that you use the money received to pay off the Loan ( now a short pay ). Finally, please stop the foreclosure and notify all credit agencies and communicate that I do Not have a delinquent loan. The insurance claim number in this matter is XXXX. Thank you for your assistance.
Product: Mortgage

I started the loan process with quicken loans and during the process of them pulling my credit, they never attempted to verify the fraud alert placed on my credit report like every other lender I have dealt with. the fraud alert is in place with all 3 bureaus and there was no attempt at all to verify my identity, I have spoken with XXXX  regarding this and they told me I would need to contact cfpb
Product: Credit card or prepaid card

In XXXX, Fortiva closed my credit account ( ending in XXXX ) without notification. They continued to charge a {$12.00} monthly fee. According to the account agreement, this fee would be charged in any month during which their was a balance on the account. There was a balance on the account until earlier this year XXXX XXXX ). On XX/XX/XXXX, the balance of the account was paid off and stood at {$0.00}. 

In early XXXX, XXXX I received a text message from Fortiva saying that my credit card payment was past due. I logged on and noticed that Fortiva had added a {$12.00} fee to my account for XXXX, XXXX and XXXX. These fees are not included in the cardholder agreement, since there is not a balance on the account. I called Fortiva Customer Service, and asked them to ensure the account is closed and to remove the fees totaling {$37.00}. The fees were removed, but now, over a week later, I logged on and I see that the {$12.00} fee for XXXX has been re-applied to my account and this account is now officially a zombie.
Product: Payday loan, title loan, or personal loan

I got the loan payed down to XXXX had to refinance it went up to XXXX after paying 4 payments of XXXX I owe XXXX it seems like every time I get it payed down I have to start over I have been paying on this well over a year I can keep doing this its like I am fighting a losing battle I would take any help out there
Product: Mortgage

I have a VA loan with Homepoint ( formerly Homepoint Financial ). Pursuant to the CARES Act, I requested and received a six-month forbearance on my mortgage beginning in XXXX, and running through XXXX, XXXX. I have received documentation from Homepoint confirming my forbearance. 

Notwithstanding my documented forbearance, Homepoint has been sending threatening communications to me in which they claim my payment is late. When I call, representatives for Homepoint claim that I can " disregard '' the notices because I am in forbearance. This includes the last notice I received in which Homepoint threatened to initiate foreclosure proceedings. I again was told to disregard this notice, and that Homepoint can not stop these " automatic '' forms from being issued. 

Homepoints actions violate the spirit and letter of the CARES act, as well as the consumer protection laws of my state. Servicers such as Homepoint are obligated to provide a CARES Act forbearance if : ( 1 ) a borrower requests forbearance, and ( 2 ) the borrower affirms financial hardship due to the COVID-19 emergency. They may not lawfully coerce or threaten borrowers into making payments despite their forbearance. While I ( as an attorney ) will not be dissuaded from exercising my rights, Homepoint does not dispute that it is threatening to foreclose on borrowers who exercise their rights under the CARES act. How many borrowers have made payments they are not required to make out of fear of foreclosure? Homepoint could fix this problem, but I suspect that they gain more by letting it go than addressing it. Short of my filing a class action on behalf of Ohio borrowers under state law ( as I understand the CARES act to offer no private cause of action, see XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX, XXXX. XXXX, XXXX ) ), action by the CFPB is urgently needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX XXXX XXXX XXXX, placed inquires on my credit file, and illegally retrieved my credit file. 

On this same day my wife, applied for credit with this company when she purchased a XXXX Vacuum Cleaner. I was not present, I was working that day. My wife did not consent to pulling my credit file. She has this account solely in her name, and has a signed contract with her name and signature on it. My speculation is they preferred for me to be listed on the account with her, but that is not legal. I never desired to do any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Experian Credit bureau has failed to respond about the removal of the erroneous information about my inquiries. Sending them letters dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiries are continuously reported on my Credit Report. Therefore, Experian failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

Received a phone call from XXXX on XX/XX/2019, claiming to be Sears Credit Services. I was on another call at the time, so I returned the call and was asked for my account # or Social Security #. I hung up, looked up the number for Sears and called them. They tried to locate an account for me, but indicated there were no accounts open with Sears. Since the 800 number was asking for account numbers or social security numbers, I consider this to be a scam or a scheme leading to ID theft.
Product: Student loan

My student loans are currently in deferment as I am studying part-time. I did not choose to have my loans in deferment nor donI want my loans in deferment. 

I have been unable to cancel my deferment through Nelnets online service not through the phone. 

I am accruing interest in loans I want to pay off. I have made XXXX payments which were returned to me and I have made XXXX payment where the money was not allocated to my loan balance and was not returned to me, stolen.
Product: Payday loan, title loan, or personal loan

I'm having a very serious issue at the moment with BMO Harris Bank. XX/XX/XXXX a payment was made for XXXX, with a due date of XX/XX/XXXX for the amount of {$220.00}. XX/XX/XXXX, the Installment loan was closed without any warning and I have no idea where my funds went. XX/XX/XXXX I entered the BMO Harris location where the Installment was opened up. I was told there was no record of the funds at the current moment, by a Retail Relationship Banker by the name of " XXXX XXXX XXXX XXXX XXXX XXXXXXXX, there is no location of the account at the moment. She also made me aware I was on the " DO NOT CALL '' list, which she agreed was very odd. Why would I request for my bank to not call me? I was given Corporate number to call at XXXX. After speaking with " XXXX XXXX '' Resolution Team Specialist '' at the Corporate office, she was also unable to locate the installment loan. At this point I believe I was scammed by BMO Harris. How do you misplace installment loans.
Product: Debt collection

On Monday XX/XX/XXXX, I attempted a minor transaction with my debit card and I was informed that the transaction was denied. When I called my bank, XXXX, to inquire about the declined transaction, I was informed that my account was frozen ( put on hold ), and I was given a number to call ( XXXX ) XXXX which was listed as XXXX XXXX XXXX XXXX XXXX. When I called the law firm, I was told that they were collecting a debt owned by Bank of America for an account attached to a checking account ending in XXXX. When I told them that I did not own any money to Bank of America, they said they would investigate this claim with their compliance department. The next day, they withdraw {$1500.00} from my bank account and attempted to withdraw an additional {$1500.00} on Wednesday ( today ), leaving my account in the arrears for {$1500.00} ( I had {$1500.00} in my account ). I spoke to a bank manager at XXXX and he and I called the creditors together and it was unclear what instrument ( credit card, loan, checking account ) they were collecting on and the representative said it was an old debt from XXXX that they couldn't collect on until now. I proceeded to go to Bank of America and I spoke with a bank officer who  searched with the help of the home office to see if I had any unpaid debts or balances on past accounts. My bank accounts were paid in full when they were closed ; I opened a new account at XXXX. However, they did find an old credit card debt from XXXX which had a balance of approximately {$3000.00} which I settled for {$260.00} with the Bank of America. I was told that this debt may have been sold to a third party and 17 years later they collected the debt. Is this possible? I wasn't contacted, served papers, or issued a lien ; my account/assets were just frozen and seized. Please assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX college from the XXXX of XXXX through the XXXX of XXXX to receive an XXXX XXXX. I took out a subsidized loan for XXXX and an unsubsidized loan for XXXX on XX/XX/XXXX Dusing the XXXX quarter. I have the copies of my paperwork and have paid off the XXXX loan. I keep good records and have no problem paying off what I actually owe. However, over the years I have made payments on loans that end up not being mine and the money has been wasted. It has been reported on all XXXX  credit agencies that I have several other college loans outstanding. I am currently paying off a XXXX loan and am one month from it being considered current - even though I have no record of taking out that loan.
I have written all three credit agencies, sent certified letters to XXXX XXXX and the dept. of education on two separate occasions over the last three years, all to no avail. Even though I ask that the debts be proven to be mine or taken off my reports, nothing happens at all. I am dillegently trying to get my credit record taken care of so that I can some day buy a house.
I am reasonably sure that I have figured out what the problem is : onXX/XX/XXXX I signed Voluntary Hardship Forbearance papers ( I have the paperwork for this action ) for the loans I had taken out onXX/XX/XXXX and this date corresponds with some of the outstanding loans. It has been reported that I " took out additional loans '' when in fact, I extended the time period before I needed to start paying my loans off.
I went to XXXX College and got a copy of my transcripts, I was not in school in XXXX so no student loans could have been extended to me at that time. These dates ca n't be a loan taken out by me. I would like help getting all student loans off my records, except what is actually owed by me.
Product: Checking or savings account

My Bank of America was closed down and it was posted as Fraud for no reason, I was out the XXXX for 1 month I couldn't take no further actions. It was very unfair, and I really loved the bank, I will do anything to get this account bank, I deserve a second chance. 

incident Date XX/XX/22
Product: Mortgage

I bought my first home a decade ago. At that time since I was given a XXXX ARM loan and the XXXX loan was a Line of Credit. After XXXX years I went back to Wells Fargo and asked them if they will allow me to have a 30 year loan so atleast XXXX years from the date of initial purchase and when I am XXXX years old the house will be atleast fully paid off and be mine completely. They sent me back saying you do not have enough savings, this loan is a different kind of loan that can not be refinanced. 

After that every year I have been approaching Wells Fargo to get me into a 30 year fixed interest loan they send me back with some reason or the other. 

This year I applied for a 15 year loan and I was again denied this time saying I do not have cash in my savings and checking account. 

The condo is worth {$680000.00} now according to XXXX ( which does not include the {$30000.00} of upgrades ). I owe about {$420000.00} to Wells Fargo today, started with {$490000.00} a decade ago. In XXXX years I have paid atleast {$200000.00} in interest to Wells Fargo. Have not missed a single payment ever. My annual salary is about XXXX now. I have about XXXX in my 401K. Still they denied me the 15 year mortgage and now I read in the papers that the interest rate is going up so the rate I was told I could have by Wells Fargo intially will not apply. So no way to own my house and in the future if I get a loan I will have to pay even a higher interest amount to Wells Fargo. 

It is Wells Fargo win win all the way. Even after me being a loyal customer, never missing a payment for more than a decade I can not still have a 15 year fixed mortgage loan on my house. 

Please help me CFPB. And thank you for listening to this plea.
Product: Payday loan, title loan, or personal loan

I borrowed XXXX back in XX/XX/XXXX, and it was my understanding there was a XXXX fee for this loan ... They take payment through my bank account, and we are on XXXX, and live on a fixed income ... ..I thought this would only be a 3 month XXXX payment ... However, they have been taking XXXX out each month, and I called, because they sent a txt saying another payment was going to be withdrawn but this time XXXX!!!! I then went on line, and found out it is costing a whopping XXXX for the XXXX borrowed, and the interest rate of XXXX percent!!! I tried to call them to see if we could work something out, but they are not working at all with me, and I feel like I have been totally ripped off!!! Since the date of XX/XX/XXXX, they take XXXX out of our XXXX, and this month XX/XX/XXXX, I called them to not take the payment as we are having a hardship, and they said no, and the payment is gon na be XXXX this month!!! Well, I had to put a stop payment on this because we could not afford it ... ... I am not understanding one bit how this can be legal. Please help : ( Thank U!
Product: Money transfer, virtual currency, or money service

Was sent an email from Zelle Pay ( Fraud/Scam ) see below the email contents.

PLEASE NOTE* ( XX/XX/XXXX ) Money wouldnt be credited to your account until refund of additional payment has to been refunded for buyer protection so neither the payer or the payee doesnt lose his/her money!

You will receive a * zelle team informing that the fund has been credited to your Account COMFIRMATION EMAIL Questions?

Thanks for using zelle.

2022 Zelle. All rights reserved. Early Warning Services , LLC Zelle and the Zelle related marks and logos are property of Early Warning Services , LLC.
Product: Credit card or prepaid card

On the credit card statement for XX/XX/2022 received for my CareCredit card ( issued by Synchrony Bank ) my new balance was {$4100.00}. This balance was made of two " Promotional '' balances. The first balance of {$2900.00} has an expiration date of XX/XX/2022. The remaining balance of {$1100.00} has an expiration date of XX/XX/2022. In order to avoid any deferred interest charges, the respective balances must be paid on or before the stated expiration date. 

On XX/XX/2022, I made a payment of {$2000.00}. On XX/XX/2022, I accessed my account on line in order to payoff the earlier promotional balance ( due XX/XX/2022 ) of {$2900.00}, assuming the balance would be {$980.00} ( {$2900.00} minus {$2000.00} payment ). The on line information. indicated the promotional balance for the XX/XX/2022 promotion was {$1100.00}, not {$980.00}. 

On XX/XX/2022, I also contacted Synchrony Bank to see what games they were playing with my account. The representative I spoke with ( ID # XXXX ) stated that sense my payment was not enough to payoff the XX/XX/2022 promotional balance of {$2900.00}, Synchrony 's system arbitrarily applied {$130.00} of my payment to the XX/XX/2022 promotional balance, leaving a balance of {$1100.00}. This in essence is increasing the previously stated promotional balance for the XX/XX/2022 promotion. I told her that this was an unethical and deceptive trade practice that could result in a cardholder to incur interest charges because of the change in a balance amount different from what the cardholder was previously told. She agreed that she would reapply my {$2000.00} payment in its entirety to the XX/XX/2022 promotional amount of {$2900.00} as reported to me on my XX/XX/2022 statement. However, she also stated that it would take XXXX billing cycles to complete. She also stated that my new balance for the XX/XX/2022 promotion was {$980.00}, which is what I expected. However, I'm concerned that I will be charged interest due to the length of time it will take Synchrony Bank to reapply my payment correctly. 
I never have been provided with any information on how payments are applied to promotional balances. Since my account is made of promotional balances, one would assume that all payments would be applied to the earliest promotional balance. It's apparent that Synchrony Bank 's system does not work in that manner. This can lead to a customer paying interest when they thought they had paid of a promotional balance within the designated payment period. I consider Synchrony Bank 's practice to be unethical and deceptive in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bonneville is reporting 2 erroneous debts on my credit file that are not mine. These accounts are my Ex wife 's. I have spoken with my attorney and he confirmed that i am not responsible for that debt. This needs to be removed off of my credit file immediately. I do not owe this debt, this debt is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX and XXXX for their failure to address my disputes regarding the inaccurate reporting of timeshare accounts on my consumer credit reports. 

Per my divorce decree, the timeshares listed on my credit reports are to be the sole property of my ex-husband. Specifically, under the section titled ** '' Additional Clauses '' **, the decree states : * '' In regards to timeshares purchased during the marriage, ALL timeshares will become the sole property ex-husband. Wife will be held harmless of any matters regarding these properties. " * Despite multiple disputes submitted to XXXX and XXXX, these timeshares remain inaccurately reported on my credit reports. This misreporting is causing significant harm to my consumer profile and is severely limiting my ability to secure credit and financing opportunities. 
XXXXXXXX XXXX XXXX XXXXXXXX I have attached the following supporting documentation to this complaint for your review : 1. A copy of my divorce decree.

2. A copy of my ID.

3. Proof of address.

4. A copy of the disputed account reporting to XXXX and XXXX. 

I respectfully request the CFPB 's assistance in ensuring that these timeshare accounts are promptly removed from my consumer credit reports as they no longer pertain to me under the terms of my divorce decree. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX-Date of inquiry XX/XX/2020