23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or about XX/XX/2018, the servicing of my mortgage was transferred from XXXX XXXX  to MLD Mortgage. I was notified of the transfer and advised that any payments made by me to XXXX XXXX  in the first 60 days after the transfer would be posted to my account as though they were made to MLD Mortgage on the date received by XXXX XXXX. I made payments of {$420.00} to XXXX XXXX through my credit union bill pay service on XX/XX/2018 and XX/XX/2018. Only one of these payments has been posted to my account, and not on the date received by XXXX XXXX, but on the date received by MLD Mortgage. Since early- to mid-XXXX I have been trying to work with MLD Mortgage ( XXXX ) to get my payments properly posted to my account and the interest on my loan correctly calculated based on the payment dates to XXXX XXXX. I have spent over 100 minutes on the phone with MLD Mortgage/XXXX and XXXX XXXX to try to get this {$420.00} payment correctly posted and credited to my account. I also spent an equivalent amount of time talking with my credit union and researching records to provide dates, amounts, and proof of payments. I have sent four different forms of proof of payment to MLD Mortgage/XXXX and yet they have failed to contact XXXX XXXX to find out where my payments are. Rather than try to solve this problem MLD Mortgage has put the burden of finding these payments on me. I recently received from XXXX XXXX proof of receipt by MLD Mortgage of the check from the XX/XX/XXXX payment, yet MLD/XXXX did not make effort to track this down prior to my providing that proof, and I still have no clear indication that they tracked this down. In addition, though I have made all of the required payments on my loan during this period and discussed the servicers error in not crediting my account, until last XX/XX/2018, I received at least two calls per day from MLD Mortgage saying that they were trying collect a debt. These calls were never by live people whom I might talk to and explain that MLD has not properly credited my account, but were robo calls requiring that I call back and be placed on hold. I also received a letter indicating that my loan was subject to foreclosure if I did not make the required payments immediately. I would like to get this corrected and would like my loan servicer to take responsibility for doing this.
Product: Checking or savings account

went to open me a account and could not do it because they said i open one somewhere else but i never open a bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections amount of {$2300.00} from XXXX XXXX  that does not belong to me. The account number as shown is XXXX. In a previous complaint the account owner indicated they would mark this account as DISPUTED, however this is an error and the account should be REMOVED.
Product: Bank account or service

vendor charged me XXXX for the a service i did n't get. i tried talking to the vendor to reslove the case before i called wells fargo bank. i was advised it was going to be taken care of i gave he all the info they requested and a credit was issued to me. only to find out that it the credit was take a from my account a few months later, making my account negative.
Product: Student loan

I appreciate this level of communication and transparency regarding this matter. I would like to clarify, given my initial questions that I am in fact eligible for my current private loan, financed via MOHELA will in fact be forgiven, as this was a direct loan initially through Federal Student Aid. There seems to be a grey area of unanswered clarification between MOHELA, Federal Student Aid and the Borrower Defense department that I could use some assistance with. While I understand that all of my Federal Student Loans will be forgiven, I want to be clear that several years ago, I moved to MOHELA 's private student loan program in an effort to obtain a lower rate of interest on such a large amount of money, not knowing that I would later be awarded complete forgiveness as the submission at that time was pending and I was not explained from counsel or MOHELA that " if I chose to go private '', then I would be excluded from any potential forgiveness, discharge or reimbursement from pending claims and cases surrounding my case. In my opinion, it's only morally and ethically fair for those loans that moved from Federal to Private ( as a result of negligence on MOHELA 's part ) be forgiven as well. I will certainly contact the Dept of EdXXXX and ensure my information is current and up-to-date, however I would prefer final confirmation of my forgiveness to come directly from your organization. Any and all support assistance with this matter is appreciated. My contact information is also below if you would prefer to have a call regarding this for the final piece and mind. Thank you.
Product: Mortgage

There was an erroneous XXXX filed on my property. The mortgage company agreed it was filed in error however the lien has not been released. It is through HUD, I have emailed and called HUD multiple times and they advised me that it would be released as long as they had proof from XXXX XXXX that it was filed in error. They have that but i have not heard from them and the XXXX is still on my property as of today. I started this process on XX/XX/24 and am at risk of losing my locked in refinance rate because of the inaction of both XXXX XXXX and now HUD. I need assistance
Product: Checking or savings account

On XX/XX/XXXX I tried to use a BMO ATM. The ATM was out of money, so I used a XXXX  ATM. Unfortunately the XXXX  ATM charged me a {$3.00} ATM fee and BMO charged me a {$3.00} ATM fee. I asked BMO to credit my account {$6.00} because I incurred these costs due to their error. On XX/XX/XXXX BMO credited my account the {$3.00}, but not the {$3.00}, so I disputed the transaction of {$3.00} with BMO, but they never submitted the request. On XX/XX/XXXX I called again to ask that my account be credited, and they said they would credit my account if I could prove that the {$3.00} was an ATM fee and not part of the withdraw ( since they were listed together as a withdraw of {$43.00} ). On XX/XX/XXXX I called with a picture of XXXX 's ATM notice saying I would be charged {$3.00}, but they would not credit my account {$3.00}. They also would not submit a transaction dispute, which is what XXXX suggested I do when I went to the XXXX branch on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX  XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 



After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account CREDIT RCVRY Account Number : XXXX Please investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Also, please send a complete copy of my entire consumer credit file. I do not want the disclosure. I want the actual complete and comprehensive file for all of the accounts that you current possess of mine. 

Thank you for your time. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my car load this is a fraud account the car belong to XXXXXXXX XXXX XXXX I dont have this car it was electronic sign I never signed nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

Santander Consumer USA is practicing unfair loans, they add interest to your car daily along side the interest that 's already added. They also make it where if you pay on time, that they find a way to get your payment late to add interest, please help do something about this company im begging you ive paid XXXX dollars on my loan and only XXXX dollars of it has been applied to it.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( XXXX - XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( XXXX - XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit card or prepaid card

Dear CFPB, Today I contacted Wells Fargo Bank again, and the call lasted for 50 minutes. They informed me that they have processed the following XXXX transactions and provided claim IDs : XXXX XXXX XXXX XXXX However, the issue is that when I asked whether I need to pay these pending claims next month, they kept transferring me to different departments without providing an answer. Finally, they told me that these claims are still waiting for me to provide documentation! 

I have already mentioned that I reported each claim to the bank over the phone, providing all the specific information based on the questions they asked. Yet, they refuse to process them and continue delaying intentionally. They claim that I havent provided the information, but how is it possible when I already have the claim IDs? It is clear that this bank is taking money without taking action! 

I hope the authorities will step in to supervise and address the disgraceful behavior of this unscrupulous bank! 

XXXX XXXX XXXX XXXX
Product: Student loan

When my student loans were transferred to mohelas new system. I was placed in an unwanted mandatory administrative forbearance. I had no way to pay them, they did not take my Auto pay. Interest has continued to accrue daily. I was sent a letter stating that my loan payments were reset to XXXX. Therefore, all the months towards my repayment are gone. And I owe XXXX  years from this transition. My payment was recalculated, lowered, and the interest in between payment was capitalized into the loan. When I call them about this, they told me I needed to call student aid I called them. They know nothing about it. Sent me back to mohela - who told me they cant fix it. Then. I submitted a complaint back on XX/XX/year> to XXXX XXXX  XXXX. They have not responded. I need help, no one is helping me. I am stuck in the middle - owing almost XXXX in interest that shouldnt be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just filled this out.. 
XXXX.. This is what I mean.. 
A woman XXXX XXXX is using my Ss # and I pay my bills and everything on time. 
I've contacted everyone that I'm supposed to.. 
But my credit score is getting worse and worse every day. 
I know about this woman because of XXXX. 
And I was in XXXX for 3 years...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Experian received my documentation from US bankruptcy court stating they do not report to credit bureaus and a copy of my XXXX XXXX showing the bankruptcy was removed. On XX/XX/2021 Experian stated via email and telephone that they verified my bankruptcy through XXXX XXXX. This information is inaccurate and needs to be deleted
Product: Debt collection

Have made many many calls with them and no response from management. This is not my debt
Product: Vehicle loan or lease

In XXXX, XXXX, the State of XXXX Department Of Revenue wrote to  XXXX requesting the title of the vehicle in question ( see attached ) be sent to XXXX Department Of Revenue so that the title could be perfected to a XXXX title from the original XXXX title. This is because I moved from XXXX to XXXX ( XXXX XXXX metro ). 

XXXX did not comply and in XXXX of XXXX transferred my account to Real Time Resolutions ( XXXX XXXX XXXX I ). 

Real Time Resolutions refuses to comply with the State Of XXXX  request as well as my many requests for them to forward the actual title to the State of XXXX. I am attempting to have this done so that I can obtain a XXXX registration. I have been unable to register my vehicle since XXXX, XXXX. 

I am requesting your assistance in notifying Real Time Resolutions ( XXXX XXXX XXXX I ) to comply with the XXXX  and my request to forward the title to XXXX Department of Revenue and once it is perfected, the document will be returned to RTR. 

Thank-you for your assistance. Please feel free to contact me at any time regarding this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a payment was made to me from XXXX XXXX from his son XXXX XXXX, for a service of receiving a discounted apple gift card ( from my associate discount ). On XX/XX/XXXX i received a call from a XXXX number stating it was someone from chase asking about a payment of {$200.00} i received XXXX. At the moment i was driving on the highway and explained i could not speak at the time because it was hard to pull over on the highway and told them to call me back. The women called back and left a message saying " Hi this is XXXX calling from Chase Bank this message is for XXXX XXXX, I'm calling in regards to the inquiry that we received it's important that we speak with you for your convenience we're available Monday through Friday XXXX to XXXX and then also on Saturday from XXXX to XXXX please return our call at XXXX option XXXX or to the chase customer service number. '' They never mentioned anything else, i called and was on the line for over 2 hours, when finally getting a supervisor on the line she told me my " ENTIRE '' account was Frozen due to XXXX XXXX reporting it was a fraud charge to my account for the {$200.00}. Chase Froze my account as they claim they were investigating although giving me limited details because they claim they had limited access. I am highly upset and disappointed as a Chase long time customer and a perfect standing customer! The sender received a service and then filed a claim back on account to get their money, no one ever even spoke to me to get any details, then suggested i contact the sender to get my money back ( does that sound rational or logical ). The attitude is they didn't care and never spoke to me, just took the word of someone filing a claim for a measly {$200.00}, when i keep thousands in my account which now i won't. On the XXXX i logged in to my account to see that Chase refunded the {$200.00} XXXX, again i was not even notified that this so called investigation was complete and again no one reached out to me but, in turn, i reached out to them, once again, they have little information to give me but took my money out my ACCOUNT WHILE ALSO FREEZING MY FUNDS WITHOUT SPEAKING TO ME, HIGHLY DISAPPOINTED AND WANT MY {$200.00} BACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX  XXXX -XXXX XXXXXXXX -XXXX XXXX XXXXXXXX XXXX -XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Medical Subject has not satisfied debt., XXXX XXXX XXXX XXXX -Untitled { Medical Subject has not satisfied debt., XXXX XXXX XXXX  XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
"
Product: Debt collection

Executive credit management continues to collect a debt not verified nor owned by me. Made several attempts to have debt removed and verified. Company continues to not respond according to FCRA Guidelines.
Product: Checking or savings account

XXXX XXXX via UMB bank targeted me for a promotion in XXXX, which said that as long as I met the terms of the promotion, I would get {$200.00} deposited into my XXXX XXXX Cash account within 30 days of meeting the terms. I have met the terms for nearly 60 days ( XX/XX/XXXX ) and even though I've reached out twice, I still don't have the {$200.00} that I'm supposed to get from that promotion.
Product: Credit reporting or other personal consumer reports

My credit hasnt been used properly. I paid off items, and worked with creditors to eliminate debts. My score never increased. I have federal student loans still on my account and I am not paying them due to financial hardship and a XXXX XXXX that requires XXXX. All three reports have reported wrong debts, debts that are not mine and caused hardships while trying to purchase items. Our mortgage rate was higher solely because my credit score was messed up!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent juris
diction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.