23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The mortgage company 's policy is, if the account was current and you request forbearance, the mortgage company will not report you to the credit agencies, my account was current and they reported me to the credit bureau.
Product: Credit reporting or other personal consumer reports

a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to 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, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want them removed
Product: Money transfer, virtual currency, or money service

I was scammed via Cash App for a total amount of XXXX, when I thought I was in contact with a legitimate individual. I brought this to the attention of Cash App support, who stated they would investigate the matter, but I do not believe that this was ever truly investigated, and was just made to wait for a predecisioned outcome. I have reported said account, as well as another account potentially belonging to the same scammer ( s ). While I understand I may not receive this money, I believe that Cashapp has long been operating with very to little regulation, as have so many other XXXX organizations. When Cashapp was first introduced, it was just as a money transfer service, but over the years, has grown in dramatic scale, now being used to purchase Bitcoin/Stocks, to use in place of a traditional checking account, and even to file ones taxes. In its current state, Cashapp does NOT have proper KYC/AML enforcement and this negligence leads to scams/fraud and this will continue to be the case, as long as people are able to open new accounts, as long as they have a new number that permits them to, even after another account is closed down. Furthermore, when scam activity is reported, their should be restrictions in place to prevent any said funds from reported account to be moved, until a true and proper investigation is done.
Product: Debt collection

RevNow has contacted my place of employment first. I asked them to not call the company phone again as it is an office and not to be used for personal phone calls. 
They then called my younger sister on XX/XX/year> around XXXX who, had nothing to do with this account or my finances. 
They the contacted my mother, who is undergoing XXXX for XXXX XXXX XXXX, and bothered her about this matter on XX/XX/year> as well around XXXX. Neither of them had any knowledge of this account and I had intended to keep it that way.
Product: Student loan

My loans should be on an interest-free forbearance, but Mohela continues to send me bills and interest continues to accrue. On XX/XX/year>, after several months of my filing complaints with the CFPB and XXXX, I finally received an email from Mohela that they would be fixing the problem. The email stated that they would be updating my account to reflect the 0 % interest rate and removing the interest that has wrongly accrued so far. ( See email attached. ) Then, 10 days later on XX/XX/year>, Mohela sent me a bill saying that I owe $ XXXX on a standard repayment plan starting XX/XX/year>. ( My previous monthly payment was $ XXXX on the XXXX plan. ) I would like Mohela to follow through on what they promised in the XX/XX/year> email : XXXX. Please correct my account to show that I am on an interest-free forbearance with no payment due. XXXX. Remove the wrongly accrued interest. XXXX. Stop sending me bills while the XXXX litigation is pending. Thank you. Some additional background : I was on the XXXX plan with a {$0.00} payment until I consolidated in XXXX. When I consolidated, Mohela mistakenly removed me from XXXX. They were still in the process of fixing this error and putting me back on XXXX when the court ruling halted everything. ( On XX/XX/XXXX, they said it would take XXXX business days to put me back on XXXX. On XX/XX/XXXX, they said it would take another 90 days. In any case, they had not yet fixed it when the court ruling happened. Which is why I was not automatically granted the interest-free forbearance and have been fighting to get on it ever since. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

Just wondering if you could help me out with my situation or point me in the right direction, please? I am fed up with trying to reach out to these companies. 

I am trying to file a complaint against XXXX and Lexis Nexis. XXXX without any warning or notice changed my auto insurance from ninety dollars a month to XXXX dollars a month. They did not and still have not provided me with a letter showing the reason for changing the price per month. They just increased it and billed the higher amount the following day. When I asked them, XXXX first said that it was due to inflation and they were doing this to all the customers living in Arizona and then after I filed a report with XXXX, they are now saying that it is because the Lexis Nexis company increased my car insurance credit score probably because I refinanced my home. I have never heard anything like that before and I speculate that they are doing this to many of the customers to earn more profit and therefore, I am requesting you to please help me out and others that may be impacted by XXXX immoral work ethics. When I asked XXXX to let me know my past and new Lexis Nexis 's credit scores the insurance price is based on, they said the company did not provide them with any score values. So, how did XXXX increase my insurance rate? On what basis? This is a fraud happening behind closed doors. XXXX does not receive scores from Lexis Nexis but still they increased my car insurance price based on Lexis Nexis 's credit report. This fraud is bigger than it sounds. Nothing changed in my life that should impact my car insurance score. I dont even drive that much these days because I work from home. I am getting a much lower mortgage rate of 2.25 % because of my excellent credit history. If only that should improve my credit rating and I should get better rates. How could this impact my car insurance rate??? I have never heard of this before. These people should be ashamed of themselves. There is no way to reach out to the Lexis Nexis company even though they have a lot of phone numbers and XXXX does not leave a digital footprint either since they only accept phone calls, and they say whatever they want. 

Would you help me out PLEASE? 

Sincerely, XXXX XXXX
Product: Mortgage

We started a refi with Amerifirst Financial Inc. -NMLS XXXX in XXXX of XXXX. The refi dragged on for almost 5 months at no fault of our own. The lender, XXXX XXXX, of the XXXX XXXX CA office continued to string us along with excuse after excuse of why we hadn't closed. I'm requesting our file to be reviewed and believe XXXX XXXX, who runs the XXXX XXXX office is a fraud. 
We were told the delays were due to many refi 's happening which was very believable. We were then told it was because of the holidays ( also believable ), and then again told there was a system malfunction nationwide. We were told about 20 more excuses dragging the refi out, most of which I have retained in text messages and emails. When we finally closed in XXXX, we signed with the notary for a REFUND of almost {$4000.00} and have received NO refund. It is my belief, the lender, XXXX XXXX, extended our loan multiple times without ever discussing, disclosing, or anyone agreeing on fees & he used our refund to cover the cost without EVER disclosing those fees. He now has discontinued communicating without delivering an explanation to where our money is.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. These late payments need to be removed because Equifax is reporting me being 30 days late in XX/XX/2022 but XXXX and XXXX are reporting I paid on time. 
XXXX Account XXXX : XXXX 2. These late payments need to be removed because you are reporting me being 30 days late in XX/XX/2022 but XXXX and XXXX are reporting I paid on time. 
XXXX Account XXXX : XXXX 3. Remove these late payments because I was never 30 days late in XX/XX/2022. I was only 27 days late. 
XXXX Account XXXX : XXXX 4. Remove these late payments because I was never 30 days late in XX/XX/2022. I was only 27 days late. 
XXXX Account XXXX : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account NameXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I filled a complaint before seeking some documents from US Bank. I have since received such documents. This complaint is as a result of the information in the documents. 
====== I got a balloon mortgage in XXXX XXXX for {$290000.00} at 4.5 % with monthly payments of {$1400.00}. US Bank is the mortgagor. In XXXX XXXX, the balloon amount/remaining principal in the amount of {$250000.00} was refinanced at 6.135 % with monthly payments of {$1700.00} and the last payment was due on XXXX/XXXX/XXXX. 

The terms of the loan was changed without my knowledge or consent sometime after XXXX XXXX by US Bank - monthly payment was increased and loan maturity date was also changed to XXXX/XXXX/XXXX. 

Also, between XXXX and XXXX, my principal balance went from {$290000.00} to {$250000.00}. However, from XXXX to present, my principal balance only went down rom {$250000.00} to {$240000.00}. I know the interest rate went from 4.5 % to 6.135 %, but interest rate alone does not explain this minimal drop in principal. 

I have attached documents showing - Original balloon loan in XXXX for the numbers indicated above. 
- The XXXX refinance showing the figures indicated above. 
- The XXXX XXXX mortgage statement that shows my maturity date of XXXX, principal balance and monthly payment amount. 

Meanwhile, I applied for loan modification and was offered a XXXX loan with payments of $ XXXX. Also they may foreclose on the house. 

I seek a modification of my mortgage, balance and monthly payments reflecting the agreement I signed in XXXX. Also, I want to keep my house. 

Thank you.
Product: Credit reporting or other personal consumer reports

TransUnion is obligated by the FCRA to report accurate accounting. I have brought attention to all inquiries reported were fraudulent. TransUnion had 4 days by law to remove such items from my report. Fraud report was filed via FTC in regards to such consumer report. I am now requesting TransUnion to provide such documentation used to determine such inquiries were indeed authorized by such consumer, TransUnion has 15 days to provide me with the name of the agent spoken to, documentation used, application with consumer wet ink signature. Consumer is not requesting an e-Oscar report, if TransUnion does not have documentation to show these inquiries were in fact authorized by such consumer items shall be removed asap. TransUnion is liable under the SEC to follow certain rules and guidelines. TransUnion commission file number XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX will be filing form 211 treasury omb forms to audit consumer account due to the fact TransUnion are securitizing consumer data and still refuse to provide such consumer a copy of my CONSUMER FILE when requested and not the CONSUMER REPORT.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I went into the bank and a staff person filled out an application online for a line of credit for {$2500.00} while I sat at her desk. We agreed that I would send her XXXX years of tax returns to confirm my income. When she completed the form she told me that she wasnt sure she had filled out out the form correctly, so she asked her manager to look over everything. As a result, she made a few changes. After the manager left, she told me I didnt qualify for the loan. I asked her why the loan was denied and she said that there were current nonpayment issues related to my credit report. Because I was unaware of any such issues, I asked her to give me a copy of the application and a document that detailed the reasons for the denial, including the credit report on which the decision was based. She said that the bank did not allow her to do that. When I got home, I placed a call to the branch manager and got his voicemail. I left a message that included the basic information regarding my experience as noted above, and I asked him to call me. As of this date ( XX/XX/XXXX ), I have received neither a call nor any information that I had requested.
Product: Debt collection

Comenity Bank/Victoria Secret is still reporting that I didn't pay the {$550.00} and I did in fact pay it. I disputed this 8 times and it's still showing on my credit report. It was paid up via XXXX XXXX XXXX account # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Forged signature. False mis-presentation, omitted information. I purchased solar panels through a company called XXXX, XXXX. The sales rep through a XXXX  call presented his speech on how Solar Panels would be saving me a lot of money. He lied. I was told I would received a check from Federal in the amount of {$9100.00} and a check from State for {$5000.00}. which I could spend however I want or put back on the loan to pay it off sooner, which I intended to do. This was a lie. I never received any money. I was told I would have a fix loan payment of {$89.00} to Sunnova and {$19.00} to XXXX XXXX. This was a lie. I'm paying triple of what I use to pay. My loan was suppose to be for {$21000.00}, now it's showing an amount of {$47000.00} which is affecting me financially and health wise, it's literally making me sick. I was told I would have no electric bill, Not true. I was told my property value would increase, Not true. Warranty was 25 years, not true. Many other things were mislead and omitted just to make the sale. At end of the XXXX  call I was sent a square box by the XXXX, XXXX representative for my signature, saying I understood the meeting. Unknown to me, a XXXX, XXXX contract was generated and emailed, which I never read nor reviewed prior to signing on that squared box because they never show you a contract. To my surprise another contract appeared months later from Sunnova that I'm 100 % sure I did not sign. The signature is way different. I don't signed that way. I called XXXX and opened up a case. XXXX sent me the IP address/network/information of where that document came from and I had an IT department compare it to my home. The Sunnova document was not signed by me. Many are having the same problem. These documents are fraudulent. They are being signed by the representative themselves. I've reached out to Sunnova which told me the representative is contracted by Sunnova. The representative never disclosed that. He said he works for XXXX, XXXX. I'm still waiting for Sunnova to answer me on who signed the document. When you first call Sunnova, they just tell say, you still have to pay the loan or you can pay it in full, those are your only options.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried to have these false inquies removed and nothing was done
Product: Credit card

Someone has a credit card in my name and it says I owe a debt. I have never owned a credit card
Product: Debt collection

I was harassed by XXXX over a vehicle I had no control over when my spouse passed away and I was harassed by XXXX over a t mobile bill I haven't had t mobile in about 10 years I disputed multiple times they keep dropping my credit score.
Product: Credit card or prepaid card

I've been a Citibank credit card account holder since 2008, and it recently came to my attention that I'd been enrolled in their " XXXX XXXX '' program unbeknownst to me. This is a program that, to the best of my knowledge, I've never agreed to participate in, but have nonetheless been subject to, exposing me to years of monthly fees totaling in the thousands. 

Over the past months I've contacted Citibank on numerous occasions requesting proof that I willingly enrolled in the " XXXX XXXX '' program. In each instance no such proof could be relayed by phone, only a promise to share such details by mail. I've since received two identical letters ( one of which I'm including in this complaint ) suggesting that I enrolled in the program XX/XX/2008 with no evidence to support my authorization ( something that was promised when speaking to Citibank representatives by phone ). 

What's more, when speaking with Citibank representatives I was assured this was a program I would have had to proactively enroll in, suggesting that such proof of consent exists. Still, no details have been offered. 

As far as I can tell Citibank fraudulently enrolled me in their " XXXX XXXX '' program, collecting monthly fees I never authorized and has placated me in all attempts to refund said monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your XXXX. in accordance with the Fair Credit Reporting Act, XXXX XXXX section XXXX. 
Account must be deleted from the report as soon as possible : DSNB/MACYS ACCT # XXXX Bank XXXX XXXX ACCT XXXX XXXX Capital XXXX bank USA NA ACCT # XXXX DEPT OF HEALTH AND HUMAN SVC HRSA ACCT # XXXX DSNB/MACYS ACCT # XXXX ENHANCED RECOVERY COMPANY ACCT # XXXX XXXX ACCT # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
Product: Credit card or prepaid card

On Friday, XX/XX/2023, I attempted to use a virtual card number to pay an invoice for my small business, because the company required the number be provided to a live customer service agent located in XXXX XXXX. Capital one offers this service, but only if I leave my personal mobile number on the account for verification. I refused to use my personal mobile number for a business matter. I ended up giving my credit card number and immediately canceling the card and requesting a replacement. It was the only option available to me immediately. 

The agent called my office number to verify me, but since there is an announcement that calls are recorded, Capital One blocked use of my business number for my business account and changed the primary phone number, without my permission, to my home number. 

I received the replacement card on Monday, XX/XX/2023. The card ended in XXXX. As a XXXX that number is associated with the XXXX, so I called to immediately request a replacement. Again Capital One was recording, but when XXXX was told I was recording, because she was refusing to help, she disconnected the call, saying it was against policy. Their policies do not trump my legal rights to document calls to which I am a party. Georgia and XXXX law are one party consent states. 

It took nearly 12 hours of calling back to resolve the issue. when I called back XXXX told me a replacement card had been sent, but when I reached his supervisor XXXX, I was told no card had been sent, but the XXXX card was deactivated. XXXX asked if my number was still recording calls. I told him I did not give permission for them to record my call and all of them said they could not turn of the recording, except XXXX. XXXX let it slip that the recording was actually not discontinued. 

Capital One had removed my business number as the primary number to avoid contacting me on a recorded line. They placed my personal home number as the number without my permission. They refused to come up with a solution to verify the account that did not involve use of a mobile phone at work, which is an offense that results in termination. They can't risk people 's employment because they don't want to be recorded. 

When asked specific pointed questions about the account, the staff ignored the question as if not asked, forcing back and forth. I have the right to honest answers about my account. 

They do not come up with solutions to help customers in real time. Their validation is so strict and limited as to render the owner of the account unable to access and manage the account for extended periods. They force acceptance of robo calls and texts, etc. I have filed a complaint with FCC about this. 

I had to send my payment based on an old account number, because I was unable to manage my own account.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed a fraudulent account. Please remove this account because it is stopping me from obtaining credit.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached IDTheft report 1. XXXX XXXXXXXX XXXX  XX/XX/scrub>XXXX This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXX XXXX  XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 3. XXXX XXXXXXXX XXXX XX/XX/year> XXXX. XXXX XX/XX/year>
Product: Mortgage

I am a Successor - in -interest to a property located in XXXX XXXX California XXXX The mortgage on this property is currently in default primarily because of the lender 's inability to renegotiate with me. I have received notification that there is going to be a foreclosure on it. I have since been contacting the Lender to reinstate the delinquent lien, but or no one wants to talk with me. I will be put on hold for a long time, and when someone eventually comes to talk, it is the same, they will find a reason not to work anything out with me. It is frustrating and I think that they want to find a way to sell this property from under me.