23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I filed a Chapter XXXX bankruptcy. I successfully completed the Bankruptcy obtaining a discharge on XX/XX/XXXX and the Bankruptcy was closed on XX/XX/XXXX. The final payment was made by the Bankruptcy Trustee in XX/XX/XXXX and was for XX/XX/XXXX. However, the Trustee did not file the Notice of Final Cure Until XXXX XXXX. 
Before the Final payment was made in XXXX, I contacted my Attorney, XXXX XXXX with XXXX XXXX, and asked when I would have to begin making payments. I did this because the mortgage statement that I received stated that my payment would be due XX/XX/XXXX. He contacted the trustee and was told that the payment would be due in XXXX as well. The Dated on the statement caused a lot of confusion. 
In XX/XX/XXXX I contacted BSI and attempted to make a of {$660.00}. I was told that I as already behind on my payments. I tried to explain the situation which was of no help at all. I, Also asked why I or my attorney was not contacted about the payment being due. Not receiving a adequate response, the call was terminated. I immediately call XXXX XXXX and informed him as to was had occurred. He told me to try again to make a payment and he would try and find out what was going on. over the next several weeks I tried to make payment multiple times and XXXX tried to Contact XXXX, both were unsuccessful. In XXXX, I even attempted to make a payment of {$1900.00} and that was rejected. 
On XX/XX/XXXX, I went to XXXX XXXX XXXX office and once again attempted yo make a Payment of {$1900.00} via a conference call. When the payment was rejected again, I asked why and was told that it was being rejected because it would not bring the Mortgage current. On XX/XX/XXXX XXXX XXXX sent a Letter to XXXX XXXX with XXXX XXXX XXXX explaining the situation and a resolution enclosed. 
The only option that they have offered is a Trial payment plan. See Attached. This does not guarantee a modification and it raises my interest rate. this plan included my Ex-fiance, who I separated from back in XXXX. I provided BSI with both the court papers and Quick Claim Deed to prove this. 
I was not contacted by BSI until after the bankruptcy was discharged. When I was contacted by their representative, XXXX XXXX, I tried to explain the situation and he refused to listen. he told me that they would foreclosing on the mortgage. After that phone call I called XXXX XXXX. After Several attempts he finally contacted BSI Attorney and managed to get the foreclosure stopped. We have made several attempts to taker care of this with no resolution. 
XXXX XXXX informed them that with the current pandemic, that there was the option of forbearance on my past due payments. Moving the payments to the end of the loan. this option was even rejected.
Product: Payday loan, title loan, or personal loan

This is just a complaint about a scam constantly calling and texting to tell me they have approved a loan that I never requested and they want all of my information so I can sign the paperwork. I'm not falling for their scam but, someone else might and that's why I'm reporting them. 

I tell them I never requested a loan and to stop calling/texting and they won't unless I give them my information. 

The name of the company is Explore Credit and the phone number is XXXX and they have been calling for at least 5 times a day for over 2 weeks now.
Product: Checking or savings account

I am XXXX XXXX XXXX and exist almost entirely on about {$1800.00} Social Security and a Pension of {$900.00} per month. I also had a XXXX XXXX XXXX XXXXhat is now largely defunct because of lack of product for sale but still incurs some monthly expenses. I am temporarily living in the XXXX XXXX with a loving adoptive family. 

The policy of First Hawaiian Bank ( FHB ) is to charge {$30.00} PER DAY for an overdraft of even XXXX XXXX resulting in monthly fees of hundreds of dollars.Until the last month, I was without a computer or internet-capable phone to deal with such matters. The result was accumulation of hundreds of dollars per month in bank fees that are growing monthly and yielding colossal profits to the bank ( XXXX XXXX XXXX XXXX XXXX ). 

Complaining to the customer service line ( XXXX XXXX XXXX, usually XXXX XXXX on hold ) eventually started to resolve some of the problems. It seems that the small business-related standing order fees taken from my bank 's debit card were marked as to be paid even if overdrawn. This arrangement was ceased about about 6 weeks ago so that I can deal with the vendors directly and NOT incur overdraft fees. 

There are also standing orders for payment on a XXXX credit card ( {$200.00} per month ) and on a XXXX XXXX loan ( {$380.00} per month ). I verbally told the bank NOT to pay these and had to put a stop on the former payment for which I was charged another {$30.00} ( added to the overdraft ). I repeatedly told them not to pay ANY standing charges because of the exorbitant overdraft fees. I do not know how to contact FHB with written instructions, or how to change bank accounts. 

This month, they paid the {$380.00} loan payment and, of course started up the {$30.00} per day fees, this is now results in accumulating fees so large that I will be lucky to obtain half of my total retirement income. Just missing a loan payment would only delay the payoff date or result in a future double payment, the following month, but this is not possible when my account is being drained by the bank. 

To be fair, the customer service people do try to make small concessions, like a XXXX XXXX re-imbursement but the trend is going to be eventually no money for living costs, food etc. This is really frustrating, and is affecting my health. I can not return to XXXX to deal with the FHB bank or visit the XXXX XXXX as the airfares are more than my social security income. 

I can not believe that the the exorbitant overdraft fees can be legal, as they are so reminiscent of a XXXX loan shark operation!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1692C
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX violated my rights 15 U.S.C 1681 section 602 a States I have a right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Mortgage is not escrowed. Insurance company for a period of a month and few days, XXXX to XXXX 2023, like most insurance companies, of late, out of nowhere dropped insurance on property without due cause. In that time period a new insurance company and policy had to be secured and was secured. The {$670.00} mortgage payment for XXXX, XXXX and XXXX has been paid. This matter is being disputed with all credit bureaus but credit bureaus are only contacting customer service and the matter goes much deeper than getting a customer service rep to pull up the acct on screen and saying yes the mortgage is owed. A deeper dive into the history of this problem needs to be done. XXXX XXXX rep XXXX XXXX for further information. The run of the mill service rep at the XXXX number can not provide accurate information regarding this issue. A dispute will continue to be filed until this matter is favorably resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022 to remove personal information I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

My wages are currently being garnished by Mariner Finance by order of court which began with the first payment on XX/XX/year> and the last payment on XX/XX/year>. Mariner is not updating this info or showing my correct new balance due amount or payment amounts or payment dates. All XXXX credit bureaus have a wide range of information not even close to one another and its severely damaging my credit score. I have disputed the account over XXXX now with XXXX and my account fails to be updated or removed from my report. Even after sending them proof of payments and total amount paid ( copies of the court order and copies of my paystubs showing the garnishments ) Mariner finance also has yet to provide me with updated balances or a ledger of payments after 4 months of taking my wages, I think they are highly unprofessional and their work is sloppy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/200XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX  XXXX Balance : XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX  XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX  XXXX Balance XXXX {$140.00} XXXX XXXX XXXX Balance : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had someone use my social security number and open many accounts and also inquires I never had made and Payments not showing on paid accounts and my credit score is very bad due to this and I pay all my bills and have not even had a chance to ever ruin my credit but someone is. No one helps me they just keep sending me to online operator and get hung up on I am just so furious I do not even know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these unauthorized charges and accounts on my credit report. I have been back and forth with the companies and no resolutions. Please remove all fraudulent accounts from the credit report of XXXX Equifax, and XXXX. 

The first account is XXXX XXXX XXXX reported a balance of {$0.00} opened on XX/XX/XXXX. 
The second account is XXXX  XXXX opened XX/XX/XXXX balance {$670.00} The third account is XXXX  XXXX opened XX/XX/XXXX balance {$750.00} The fourth account is XXXX XXXX XXXX opened XX/XX/XXXX The fifth account is XXXX XXXX  XXXX XXXX opened XX/XX/XXXX balance is not at {$0.00} The sixth account is XXXX XXXX XXXX  opened XX/XX/XXXX balance is {$180.00} Please remove immediately from all XXXX credit reports these were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several times to XXXX fraud department a police report and FTC report with court records showing the loans through PNC and PNC and XXXX  XXXX XXXX are not mine. The police went to the dealerships and viewed the tapes from the purchase of those cars and saw it was XXXX XXXX XXXX using my information, A Judge in XXXX NC Named Judge XXXX issued several warrants for XXXX XXXX XXXX arrest for using my identity. Those three auto loans are not mine. Please remove
Product: Debt collection

Company  is reporting on all   XXXX  cr edit bureaus and sending me information that I owe this debt including threatening phonecalls.     I have sent letters for them to verify this debt bearing my signature and they have not. I have  (   XXXX   ) late pays on    XXXX    XXXX   XXXX  loans that they state can not remove even though I was in school.     I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signature for each article of mail I 've sent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  8/15/24

XXXX XXXX XXXX XXXX  08/15/24

XXXX XXXX XXXX XXXX 07/24/23 XXXX XXXX XXXX XXXX 7/24/23

XXXX XXXX XXXX XXXX 07/04/23
Product: Student loan

Navient will not provide to me their criteria for Cosigner Release . I am looking for specifics on which credit criteria they use and what ranges are acceptable ( e.g., debt-to-income ratio  40-50 % ).    I 'm specifically interested in what, if any, ranges  Navient uses to approve Cosigner Release in the following   categories : Debt-to-income, utilization, payment history, derogatory marks, age of credit history, total accounts and credit inquiries.     I want to be able to make an educated decision and avoid an unnecessary hard inquiry on my credit, which is why I am requesting this information be released to me. This way, if I 'm not going to meet the credit criteria, I can apply in the future when I am eligible rather than wasting everyone 's time.     I submitted an email through their correspondence system on Wednesday,  XXXX   XXXX  requesting this information. On Thursday,  XXXX   XXXX ,  XXXX  from their Office of Customer Advocate reached me by phone. First, she claimed such criteria did not exist. Then she acknowledged it did exist but that there was no way she could give it to me. Seeing no further cooperation from her office, I told her I 'd be seeking regulatory relief through CPFB and my Attorney General.   That call was recorded - if necessary or helpful, I authorize the release of that phone call on my behalf for use in this complaint.
Product: Mortgage

I already have a mortgage with USBank. I was contacted to refinance. I was told there would be no hard pull on my credit but there was one. I was also told I was approved for the loan. I later received a letter that I was not approved. I 've asked to have my hard pull removed but it has not. In the meantime, I have no idea where the refinance stands. I 'm somewhat educated in this world yet am still perplexed. I 'd rather resolve this amicably but am at my wits end ... Thank you. XXXX
Product: Mortgage

Company 's response to initial complain was not factual, re-submitting Complaint # XXXX Dovenmuehle response was filled with untrue statements, I reached out to this company XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20. Made several calls, all my concerns fell on deaf ears. i reached out to Consumer Financial Protection Bureau for help resolve. 

Yes, I understand the information provided by Dovenmuehle, is not factual and my concern has not been addressed. I never received a call a letter and I certainly have not received a check from Dovenmuehle as stated in their letter.

The {$2100.00}, Dovenmuehle mentions in the letter is the amount  my Mortgage would be if I opted to pay the overage of {$280.00}, over 12 months. if I opted to pay the {$280.00}, in full my payment monthly payment would be {$2100.00}. I paid double the amount requested, and asked for a re-calculation of my monthly payment.
Product: Credit reporting

My credit report split into XXXX reports because it was too large and was supposed to be made into XXXX report again. I just got a copy of my report and there are a significant number of accounts and inquiries that should be appearing on the report that are still missing. Additionally, information for some accounts is not feeding in properly, not showing updated for months when it has been updated, I believe because it is feeding into the XXXX report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, Experian data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accountsFINGERHUT WEBBAN XXXXXXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Checking or savings account

I have a savings account with citizen access bank. I operate a business and was expecting payments from my client for a total of {$9600.00}. The payment was mistakenly transfered to my savings account at Citizen bank instead of my business checking account. 

I linked my business checking account and trying to transfer the funds to the intended account but the transfer was cancelled and was told my account is under review. 

The customer representative can not give a timeframe of when the review will end, its over a week now and still my account is frozen and no appropriate information as to when my account will be unlocked. 

The funds are important to me as i'm a small business and I need to pay my staff and suppliers and is already 1 week behind on my book keeping. 

I called over 10 times and everytime the customer rep keep telling me they can't tell why my account was froze or when will the review takes.
Product: Consumer Loan

I 'm late in payment, there is no dispute there. The problem is how late and the lies that I 've been told both by capital one auto and speedy recovery. 

I 'm 3 months late, which is no more than {$1000.00} past due including fees. 

The repo agent came to the door and I asked him if he had a replevin order. He said a writ of possession will be filed very soon and then he left. He also told me that the past due was {$1900.00} in range. I then called Capital One Auto. 

I was told that by their agent named XXXX that I was past due {$1400.00} at the time of the call and that it was scheduled to charge off that day, XXXX XXXX, by XXXX. I told her I had just started working and could make my payment in 3weeks. She said no, it will charge off by XXXX that day. She also said that XXXX XXXX said I told them they 'd have to go legal. I never said that. I asked if it was already legal, but after three months only -- I assumed it was not. 

I did n't have the money one week later, but another rep told me that it was not about to charge off at XXXX that day. And that the first rep had deceived me. 

Today, they continue. I received an odd vmail from what I believe is the repo company requesting I call back. I 've never called that number and do n't know any XXXX. I also received a call from Capital One on my vmail stating that the loan was charged ( the word " off '' missing ) and that they were moving forward ( after only 90 days ). It charges off at the 120 day mark which would be in this month, not last month. 

The abusive concepts and scenarios are amazing and shocking to me. They literally are creating precontext for dishonesty, abuse, and deception at a major bank and recovery company.
Product: Payday loan, title loan, or personal loan

I got a loan from Omni Financial in XX/XX/XXXX and was told I had to do an allotment and they would notify my commander if the allotments were stopped and I got a second loan from them in XX/XX/XXXX and the same exact thing they walked me through doing the allotment on their computers. I was told there was a lawsuit because of this and to file a complaint here. 
They told me I had to do an allotment.
Product: Debt collection

Please provide proof of my debt. If not provided, please remove off all credit reports
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 650C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year>
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. 

XXXX XXXX XXXX Collection Ally Financial- Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX-Account Number : XXXX XXXX- Account Number : XXXX SXXXX XXXX- Account number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXXXXXX XXXX- Account Number : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.