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

In XXXX  of XXXX I noticed several incorrect items on my credit reports which I wanted to have corrected. I received a reply in XXXX  with the results and nothing I had requested was addressed. I asked for specific account information with my signature showing that these items were mine and if so, I would gladly handle them. They only replied with the fact that they were mine. I contacted the company that said they were mine and they couldn’t verify yet they said they would not remove it unless I paid. The primary issues were the XXXX XXXX   XXXX which is the same account and shows up 3 times with negative information and was killing my score. I spoke with the XXXX  and they corrected the information as current never late. Credit reporting agency would not correct even after sending them the information from XXXX. Another issue was XXXX which was a medical debt which was not mine either. The dates don't match for anytime I had been in the hospital and I had insurance at the time they said that. Yet they strong-armed me again. Bully tactics. "pay or it will stay". After that complaint I received another dispute result on XX/XX/XXXX showing XXXX XXXX  accounts. All of which total XXXX. Coincidence? I think not. They wouldn't remove or agree that they were duplicates. I have sent multiple requests and attempts. I eventually just paid the XXXX, XXXX XXXX, XXXX, that said I owed money in order to help my credit score so I could get a mortgage and provide a better home for my family. The XXXX   XXXX issue was eventually removed due to them not being able to verify that it was mine and yet it showed back up just the other day in my XXXX  report. We have XXXX young children under the age of XXXX  and can afford a mortgage but due to the change in score we were no longer able to qualify for the initial XXXX  and went to XXXX and finally ended up receiving a denial letter and are not able to buy the house (attached). I went from an 800+ to below 600 due to the bully tactics of the "creditors" and the improper reporting of the Credit reporting agencies. I was able to get my score back up to a mid-700 in early XXXX  but I can’t go any higher because the XXXX XXXX shows up as a collection and seriously impacts my score. As of now my score has dropped to a low 600 and I'm seriously having troubles securing a mortgage and I'm paying a ton of money due to increased interest rate on all of my other items. I have never been late on a payment nor do I owe anyone. Also, some of the items would be deleted and then added right back on within a few months. Then I would have to start this entire process over again. I have spent a ton of time and money trying to handle this and I’m at my limit. Credit reporting agencies need to be held accountable for their actions. I am also filing suit against them. To this day I am still battling them to remove the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Debt collection

Portfolio Recovery has placed a collection on my credit report which was from a old XXXX Account which I have not made a payment on this account since that of XXXX. When Portfolio Recover was called they said according to their records I made a payment on XXXX/XXXX/XXXX to XXXX which is not true it is a complete lie. Because this false information is on my credit report I can not obtain a loan for my son to go to college. A dear friend of Mine has been in communication with this company and I have made a copy of all the correspondence which she has sent to this company
Product: Mortgage

XXXX XXXX, XXXX a Corporate Assignment was executed and my Second Lien Mortgage was transferred to Mirabella Investments Group, LLC, and payment statements were never sent. XXXX XXXX, XXXX, I received a " Borrower Welcome Letter '' stating, " Welcome to XXXX XXXX XXXX , XXXX ( " XXXX '' ) loan servicing! XXXX is your Servicing Agent and is servicing your Mortgage Loan on behalf of our Lender/Creditor, Mirabella Investments Group, LLC ( the " Creditor '' ). XXXX XXXX, XXXX, Mirabella Investments Group, LLC transferred the servicing of my loan to XXXX XXXX XXXX , XXXX ( XXXX ). While XXXX and I were in the process of a Loan Modification, I filed for Bankruptcy to postpone the foreclosure sale, my attorney missed the hearing and my case was dismissed ; Mirabella Investments Group, LLC quickly foreclosed on my home without notifying me or XXXX. XXXX XXXX, XXXX was my last Loan Modification Package submitted with new information. XXXX XXXX, XXXX, I was told to referred to the denial letters of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I was informed by my First Lien Mortgage Loan Servicer, XXXX XXXX XXXX, XXXX 's employee of the Office of the Consumer Ombudsman that my home could not be sold to a third party unless the First Lien Mortgage is paid in full. On the contrary, my home was sold to a third party, and I continue to pay my First Lien Mortgage ( HAMP ). Mirabella sold my property for {$160000.00}, but my property is valued at {$1.00} XXXX. The First Lien is still my Debt, which I am still responsible for.
Product: Checking or savings account

XXXX time, I deposited a check of {$800.00} XXXX  and they closed my Citi banking account saying fraud with no further informations.
Product: Mortgage

The lending agent sent me a disclosure for a closing amount on our mortgage. I had to provide more than {$1400.00} more when I signed with the title company. XXXX XXXX XXXX did not keep in contact and avoided communication with everyone involved with closing.
Product: Money transfer, virtual currency, or money service

A wire was sent to Coinbase, Inc on XX/XX/XXXX. Contacted XXXX XXXX ( Coinbase 's Bank ) they received wire on XX/XX/XXXX in the amount of {$15000.00}. I have yet to receive my funds on my coin base account today being XX/XX/XXXX. I have sent over 25 emails and have n't received any response but automated responses. Emails sent to XXXX and XXXX.
Product: Mortgage

I have been trying to close the escrow account that was opened by Fifth third bank as I am not required to have escrow. I am currently paying ( in advance ) my own taxes and insurance Fifth third bank is requiring me to maintain a cushion which is not a requirement of my mortgage agreement, they're also falsely reporting my payments as late and not applying my mortgage payments to the account my loan agreement allows me to pay my own taxes and insurance which I am currently doing, they're in violation of the loan terms and agreement
Product: Credit card or prepaid card

No mater how many numbers I have to XXXX to talk to citi about my credit card, noone answers the phone. It automated systems that get me nowhere. I should be able to talk to a human being about my problem. I have a dispute on my card that Ive called about in the past and I was suppose to receive a form in the mail I never got. They keep emailing me a link that doesnt open.
Product: Student loan

I applied for consolidation of my student loans on XX/XX/2024 in order to take advantage of the payment count adjustment for my loans. I applied for the SAVE program at the same time. My consolidation was processed as expected. However, my SAVE application was not processed in a timely manner resulting in my new consolidated loans being placed on what appears to be a standard repayment plan. I called MOHELA to ask what was happening and they were not able to provide any information other than my SAVE application was delayed and since the program has now been blocked, they put me on a XXXX  month forbearance while SAVE goes through the courts. Because my SAVE application wasn't processed in a timely manner, I do not qualify to have interest waived during this forbearance. So I am being penalized for MOHELA 's failure to process my SAVE application in a timely manner. Additionally, I have been on the IBR plan since I XXXX XXXX and am nearing my XXXX  year forgiveness milestone. Now, though, I have no idea if I qualify for that since they appear to have put me on a standard repayment plan. No one at MOHELA was able to give me any information on what plan I am on and if I will still be eligible for forgiveness when I reach the XXXX  year milestone. Their answer was just to put me in forbearance resulting in further compounded interest due to their failure.
Product: Checking or savings account

An unauthorized charge occurred on XX/XX/2023 in the amount of {$57.00} in my checking account. This was brought to the attention of Etrade/Morgan Stanley on XX/XX/2023. The ATM card tied to this account is in my possession. After investigation, Etrade/Morgan Stanley send me the following letter stating that the Transaction ( s ) fall outside the allowable dispute time frame.

Etrade/Morgan Stanley refused XXXX refund the unauthorized charge arguing that I did not notify them within 60 days. Etrade/Morgan Stanley refused to conduct an investigation of the unauthorized transaction. 

Reviewing the law on your website, it is clear that Etrade/Morgan Stanley is incorrect : https : //www.consumerfinance.gov/rules-policy/regulations/1005/6/ ( 3 ) Periodic statement ; timely notice not given. A consumer must report an unauthorized electronic fund transfer that appears on a periodic statement within 60 days of the financial institution 's transmittal of the statement to avoid liability for subsequent transfers. If the consumer fails to do so, the consumer 's liability shall not exceed the amount of the unauthorized transfers that occur after the close of the 60 days and before notice to the institution, and that the institution establishes would not have occurred had the consumer notified the institution within the 60-day period. When an access device is involved in the unauthorized transfer, the consumer may be liable for other amounts set forth in paragraphs ( b ) ( 1 ) or ( b ) ( 2 ) of this section, as applicable.

My Elite Team Representative told me that a transaction would need to be disputed in the first 60 days of the statement being received. This is not true as you can clearly see. This is only true for subsequent transfers. 

A consumer must report an unauthorized electronic fund transfer that appears on a periodic statement within 60 days of the financial institution 's transmittal of the statement to avoid liability for subsequent transfers. 

The unauthorized transaction occurred on XX/XX/2023 with the statement being issued on XX/XX/2023. The 60 day limit would put us at XX/XX/2023. Any unauthorized transaction after this date, i.e. XX/XX/2023 would not need to be covered by the banks liability. The bank continues to have liability for the first 60 days, no matter what. 

If the consumer fails to do so, the consumer 's liability shall not exceed the amount of the unauthorized transfers that occur after the close of the 60 days and before notice to the institution, and that the institution establishes would not have occurred had the consumer notified the institution within the XXXX period. 

As stated in the law, my liability would not exceed the amount of unauthorized transfers that occur after the close of the 60 days ( XX/XX/2023 ) and before notice to the institution ( XX/XX/2023 ). No unauthorized transactions occurred from XX/XX/2023 to XX/XX/2023. The bank is liable for the {$57.00} on XX/XX/2023.
Product: Debt collection

A few years ago, Transworld System had called regarding medical debts we owed to XXXX in XXXX, PA. I called XXXX Primary Care directly and paid all past due debts. Transworld continued to call for about XXXX months. Finally, XXXX called them and said we no longer owed any debt. The calls stopped. However, over the past XXXX weeks, the calls began again. XXXX to XXXX calls a day on my landline and several calls a day to my cell phone. They are attempting to collect the same debt ( form XX/XX/XXXX and XX/XX/XXXX ). I called XXXX, they stated we owe no medical debt at this time and they are not sure why Transworld is calling. They dumped Transworld XXXX years ago and have their own debt collection agency now. I asked Transworld Systems for a written bill of the debt from XXXX and have received nothing from them in writing.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX state it I have a potentially negative balance with them of {$400.00}. I am in no contractual agreement with them at all. I have no knowledge of this account. My information was breached by XXXX XXXX XXXX and could be a direct result of the identity theft I experienced a couple years ago.
Product: Mortgage

I applied for a refianance mortgage through Rocket Mortgage. I sent all of the documents and information that they asked for. After the request went through underwriting, it was determined that roughly {$120000.00} was the maximum amount of cashback I was allowed given my Debt to Income ratio. I agreed to this. I was sent, and signed the disclosure statement confirming the agreed-upon terms including this amount of chashback. A few days later, I received a phone call to schedule the closing. Going over the terms, the person on the phone mentioned that I was only to receive {$100000.00} cashback at closing rather than the agreed upon {$120000.00}. They could not give me an explaination as to why or how this amount changed. After several phone calls to Rocket Mortage, I was told the cashback amount was reduced AFTER I signed the disclosure statement. They said it was due to my Debt to Income ratio ; information that they had had for several weeks and that had already gone through underwriting. I subsequently read on their own website that the consumer must be sure of the agreed upon terms within the disclosure statement as none of the terms could be changed by the consumer OR lender after it was signed. During my conversations with Rocket Mortage, I only received conflicting information and a lot of backpedaling in their trying to explain how a change was made due to information that had already been approved through underwriting. Given that their own website states that they can not change any terms after the disclosure is signed, I asken them to explain how this was possible. The person said they can change terms if they send out a " redisclosure statement '' informing me of the changes. I told the person that at that point, it was about XXXX hours after my scheduled closing date and time and that I never received this " redisclosure statement ''. He quickly realized that, in fact, it was never sent out to me. He admitted this and offered to send the notice out then ; two hours after I was sheduled to close on the loan. Rocket Mortgage changed the terms of the loan after the signed disclosure statement, against clearly conflicting information on their website. Second, they never sent out the redisclusure statement as they, admittedly, were supposed to. Finally, they are now refusing to return my {$500.00} appraisal fee even though I was ready and willing to move forward with the loan as described to me and that I signed for. They really dropped the ball on this and I was sent rushing out for another loan option in the last minute and had to settle for subpar terms with another lender sue to their negligence. 

Below is copied directly from the lender 's website : " What happens after signing the Closing Disclosure?

After you sign the Closing Disclosure, you and your lender are not allowed to make any changes to the mortgage information. '' Here is a link to that page in detail : https : //www.rocketmortgage.com/learn/closing-disclosure Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 U.S.C. 1681. 


Account Name : Account Number 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  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.

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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

To Whom It May Concern : On XXXX XXXX 2024 I was forwarded a debt collection notice from Continental Service Group XXXX addressed to a company I once managed that officially closed down on XXXX XX/XX/XXXX. The notice stated that Continental Service Group was acting on behalf of the IRS to collect a business debt of {$580.00} + penalty and interest supposedly incurred for a tax payment due in the XXXX quarter of 2021. In fact, full payment of that tax had been made on XXXX XX/XX/XXXX as the enclosed attachment will show. Obviously, either the IRS or Continental Service Group had failed to check the official data before sending out the debt collection notice nearly XXXX  years later. My initial reaction was that this was a scam which would have triggered much unnecessary conflict. However, it now appears to have been simple negligence that has cost me substantial time to dig up the historical documentation.
Product: Checking or savings account

There were two fraudulent transactions originating from a company called XXXX XXXX XXXX XXXX on my JP Morgan Chase Debit Card. The following will be a timeline of events.

Incident # 1 : XX/XX/23 : XXXX XXXX XXXX XXXX XXXX Method : Online Shopping Charge : {$39.00} Action taken : XX/XX/23 : Called Chase Bank and created a claim on the full amount. Chase issued temporary reversal and credited the {$39.00} to my account. They also shipped a new card out. 
A digital card was issued while the physical card was in the process of being delivered. Incident # 2 occurred during this time.

Incident # 2 : XX/XX/23 : XXXX XXXX XXXX XXXX XXXX. Method : Online Shopping Charge : {$39.00} Action Taken : XX/XX/23 : Called Chase Bank and created a claim on the full amount. Chase issued temporary reversal and credited the {$39.00} to my account. They also shipped a new card out. 
XX/XX/23 : Chase Bank denied incident/claim # 2. They claimed this was an authorized transaction. 
XX/XX/23 : Called Chase Bank and spoke to the claims department. The reason given for the denial was that I had recently used this new digital card that the fraud had taken place on. I did use the card to buy food, but that does not mean I authorized this fraudulent transaction. The charge appears to be a reoccurring charge as the second incident happened exactly one week after the first as seen on the screenshot. Chase bank did not properly stop the recurring charge after the first incident even though I called to report it as fraudulent before the second charge occurred.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX sent a notice requesting XXXX of an alleged debt. 
I responded with a letter of dispute of fraud on XX/XX/XXXX and filed a report with CFPB ( complaint number : XXXX ) XXXX XXXX XXXX responded with copy of default judgment against me from XXXX and request reason for fraud. 
This was the first time I've heard about a judgment against me. Case Number XXXX XXXX XXXX.
Product: Credit reporting

Beginning in XXXX, a Public Filing Entry of a State of Idaho Tax lien was noted on my Credit Report with all three credit reporting bureaus. The lien is not and has never been mine. Both XXXX and XXXX, much to their credit, did remove the notations soon after I provided them with the same documentation that I provided to Equifax. Equifax howver did not remove the error in spite of my having provided them with not one, but two separate letters from the Idao State Tax Comminsion clearly affirming that the lien was not mine ( copies of those letters annexed to this statement ). My Equifax dispute number XXXX was filed on XXXX XXXX, XXXX. I just called Equifax today ( XXXX XXXX, XXXX ) to check only to be again be told that after a thorough investigation that the lien is in fact mine, this in spite of my having provided them with the aformentioned letters. I just filed Equifax dispute # XXXX after being told that the lien would not be removed. Frankly, I am growing weary of dealing with these people and so ask that your agency look into the matter. Thank you, XXXX XXXX XXXX
Product: Debt collection

West lake financial calls up to 7 times a day everyday after 24 hours past due date of payment
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I open a credit card account with Best Buy, account # XXXX I ended up being laid off from my job and could afford the payments anymore, I tried to keep up with them but could not, Best But ended up charging this account off, and sending it to collections which they were paid for because they sold my debt! I ended up paying the collection company for this account back in XX/XX/XXXX. I ended up paying before it went to collections.

The problem is this account has been paid and closed since XX/XX/XXXX and yet, Best Buy CBNA is still reporting MONTHLY on my credit report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, they are still reporting it as a charge off monthly and by LAW! They can not do that, and every month they are hurting my credit! This account should have stopped reporting back in XX/XX/XXXX when they were paid! 

Im not sure why Best Buy CBNA is trying to ruin me and my credit, when I was able to open another account with them 2 years ago and I manage that account well no issues or payments ever being late. I have not had any late payments with any of my creditors since this and its hurting my credit it should not be reporting.
Product: Vehicle loan or lease

I n  XX/XX/XXXX  I purchased a  XX/XX/XXXX  used  car from  XXXX   XXXX . Due to my credit situation at the time, I was charged 24 % interest on the car loan. Fast forward to to day,  XX/XX/XXXX , and I still  owe the same amount as I originally fi nanced  XX/XX/XXXX  ( yes, that is after 7 years of payments ). I have been to several car dealers (   XXXX ,  XXXX   &   XXXX   ) and every  time we try to get a straight answer about my loan we are told different stories, with no proof provided by  XXXX   XXXX . After attempting to trade the car in ( to no avail since  XXXX   XXXX  was saying that I still owed  XXXX  after 7 y ears ), I let the m repossess the car, due to the frustration of still paying a note with no " pay down '' value. Now, as I am trying to get another car, even though I do not have the car ( I have proof that the car was reposed )   XXXX   XXXX   is holding up the process by not " selling the car at auction '' and not saying they have the car so other lenders want me to produce the car. My credit is tanked as a result and I still do n't have a car.