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

I am in the process of trying to refinance my two Mortgage Loans that are presently with XXXX XXXX XXXX ; a first mortgage and a HELOC. 

Unfortunately, the 3 Credit Reporting Agencies will only show information provided by XXXX that shows both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XX/XX/XXXX/XX/XX/XXXX. 

This is playing havoc with my FICO scores and credit history. It is making it extremely difficult to obtain a new Mortgage when the current Mortgage Loans are not being accurately reported. Moreover, any potential new lender doesn't even know what the current payoff amount would be. Should it be {$0.00}, since that is what XXXX is reporting? 

I have a First Mortgage with a balance of {$260000.00} that started XX/XX/XXXX, and a Home Equity Line of Credit with a balance of {$150000.00} that started XX/XX/XXXX with XXXX XXXX XXXX XXXX   for a total mortgage debt of {$410000.00}. As noted herein, both accounts were open in XX/XX/XXXX, but not at the same time - and both should reflect a perfect payment record with the 3 Credit Reporting Bureaus. But they do not! 

I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX and all debt was discharged and closed in XX/XX/XXXX, including the two XXXX XXXX  mortgages. XXXX XXXX the current lien holder for both mortgages, will not report any financial information to the 3 Credit Reporting Agencies, because a Letter of Affirmation was never executed within the first 60 days after the initial 341 meeting with the Federal Bankruptcy Court ( Federal Rule Bankruptcy Procedure 4008-A ). 

I spoke with several people at XXXX XXXX, the latter part of XX/XX/XXXX and they could not or would not help. That is their policy and at present there is nothing I can do to have them reconsider their position. The 3 Credit Reporting Agencies will only show information provided by XXXX that indicates both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XX/XX/XXXX/XX/XX/XXXX. 

The information reported is totally inaccurate and does not reflect that I have been making on-time payments for the last 13-14 years, since the loans were originated. I have filed disputes with all 3 Credit Reporting Agencies - that were fruitless. So now I am turning to you. 

However, attached, you will find 2 documents provided to me by XXXX that contradicts what they report and does show my excellent payment history for both accounts. I also included the latest monthly Statements provided to me by XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

I signed a modification offer submitted to me and my attorney by Ocwen effective XX/XX/XXXX. 
I made all payments timely for the amount specified in the modification agreement. 
However, Ocwen began to reject my payments, claiming I owed fees for unspecified reasons almost immediately. I continued to pay the amount due, plus fees that I categorically deny owing. But still, Ocwen is not cashing my XX/XX/XXXX and XX/XX/XXXX payments. 
I have not received a monthly statement from Ocwen for XXXX and XXXX. So, I have no idea why my checks were not cashed and applied to my account. 
Ocwen is in violation of numerous CFPB rules and regulations. 
I need CFPB assistance in forcing Ocwen to follow the rules and the law. 
Will you help me?
Product: Credit card or prepaid card

I am currently in the process of purchasing a Home and with that my credit reports were pulled. XXXX ask me if I had any negative accounts and of course my answer is no because I make on time payments. But when I reviewed my reports they show that I have one account that is negatively reported. I scroll to see what account it is and it says USAA. BUT HERE 'S THE TURN I HAVE A XXXX BALANCE ON THE CARD. So, why would it be showing on my file in the negatives. Status showed as account just being open. So, I sent a message to USAA to inquire about this issue. The response back was that I had a late payment back in 2015. But I also have records that I never received a statement for that month or previous. As it shows on my credit report as well because USAA is known to pick and choose each month rather you will have a statement and payment due or not. I only received a letter once payment was considered late. 

I reached out and asked them to update and correct this because my account is not in the negative and I hold no balance as well as out of the years I have been with them they have never given me a increase if though I always paid my balance off on time when they actually sent me a statement. 

Now moving forward to last month they did update the status but they also updated as being a delinquent account so it has made my score drop as it was updated as paid as agreed but delinquent by 30 days. I asked that this be removed. I have not received a response from them. This old incorrect information has made my score drop drastically and has caused for a stop in my home purchasing process.
Product: Mortgage

I've had Wells fargo for my mortgage they have suddenly switched my mortgage to a XXXX Mortgage lender that appears to not be a good company. Besides that Wells fargo has recently increased my monthly mortgage by XXXX a month indicating from projections over the next year. My taxes are not raising and if they do once every few years it only adds up to less than XXXX for the year. So Wells Fargo is asking me to pay XXXX a year???? And all of sudden they switch this to the new mortgage carrier. I've been paying my mortgage for 21 years, it will be finished in less than XXXX as I used to pay XXXX a month? I've had so many problems with Wells Fargo but I should be able to pick who does my mortgage? They have tried to rip me off so many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the three credit reporting agencies , XXXX, XXXX and Trans Union have wrong info on my files. I was a victim of identity theft and all the negative reports on my credit are all not mine. I reported being a victim of identity theft { someone used my name address and even my picture to obtain these accounts which are listed on the files.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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- Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 


XXXX XXXX, Experian, and XXXX have violated my rights. 

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 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 or 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 data is inaccurate.
Product: Checking or savings account

We have half a dozen accounts with our local XXXX XXXX branch. 

We recently received a notice regarding our 10 year-old son 's account ( XXXX XXXX ),  saying that the account was closed. His balance of almost {$800.00} was shown as {$0.00} on the statement saying the account was closed. 

After some investigation we learned that the State of Michigan had absconded with the savings account of our son. When we asked the bank about it, they said that the account was taken by the State of Michigan as " escheated '' funds. 

I now know that this applies to dormant accounts ; however, we were never notified that the account was in jeopardy by our bank. Worse yet, we are in that bank at least monthly to manage something on one of active accounts. We are not hard to find, and we are most certainly active with the bank.

My name is on the account because my son is a minor, and I have other active accounts with the bank. Still, the system and/or XXXX XXXX allowed the state of Michigan to take my son 's money. XXXX XXXX told us that they sometimes inform their customers that this is pending, but that our account didn't meet the threshold to make the list to be notified?!? When we asked why we didn't make the list to be notified, we got no response. 

No effort was made to contact us - the money just disappeared. I'm now told that it will take a minimum of ( 120 ) days to get the money back.

This situation is so far beyond absurd, that I need help ... 

Sincerely, XXXX XXXX XXXX, Michigan
Product: Debt collection

I was visiting California and had to go to the XXXX XXXX. At that time and to present day my insurance was XXXX a XXXX policy. My policy covered 100 % of the medical expenses. All the other services for this visit was covered by my insurance. I don't know if the medical billing at the hospital failed to submit the claim accurately to the insurance company, but I'm absolutely positive I'm not responsible for the bill being a insured person. I have tried to get this resolved, but the company refuses to comply. To my knowledge, they would be able to resubmit the bill through my insurance and resolve any outstanding balances. However, the company neglected to take that course of action. They've now reported a collection account to the credit bureaus resulting in a negative effect on my credit rating and report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous dispute with Credit Acceptance. I was sent a letter from Credit Acceptance on last dispute, which CLEARLY states incorrect COMPLIANCE DATEXXXX This letter claims XXXX to be XX/XX/XXXX. My report, and payment history REPORTED by Credit Acceptance CLEARLY states XXXX  as XX/XX/XXXX! This is over a year discrepancy, and is ILLEGALLY RE-AGING MY ACCOUNT! 2 attached file will CONFIRM! This is a violation of my rights! Remove account IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 

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: Credit reporting

I have made several attempts to have fraudulent inquiries removed from my credit report with no resolve. Some inquires have actually been duplicated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to inquire about a car purchase but never purchased the car from XXXX XXXX, I guess they use Capital one to finance, but I never gave written consent to the dealership to inquire with the credit companies.
Product: Student loan

I have called my new student provider Aidvantage, to correct my monthly payment now that my loans were transferred to them from XXXX. I keep getting letters that my monthly loan payment is ~ {$1500.00} however they keep failing to add my wife 's loans which brings my payment to ~ {$1200.00}. I have called several times to get this corrected ( three times between end of XXXX and XX/XX/2022 ) and I keep getting told all is fixed but then get the same letter with the incorrect payment. 

I would like this to finally be corrected, but better yet, feel that if Aidvantage can not get this right, there are probably many other cases like mine out there. This leads me to believe Aidvantage is not prepared or well equipped to handle/service student loan payments. 

I don't know what else to do considering payments restart in a two months and am afraid they will not get it right and it will set us back financially. 

I was told it was the Department of Education because they keep saying she does not have loans. As you can see in the letters attached, I have been given many monthly payments from ~ {$990.00} t0 ~ {$3500.00}.
Product: Credit card or prepaid card

Online purchase was placed on XX/XX/2022 order number XXXX for white Linen dress size XXXX, item # XXXX and white cardigan size XXXX, item # XXXX. The dress did not fit so I returned both items by mail per instruction for returns to XXXX. I called XXXX to confirm returns had been received also received email from XXXX XXXX on XXXX XXXX confirming the order had been returned was well. 
I also received a check from XXXX XXXX XXXX # XXXX for the return amount {$110.00}. On the check stub a statement saying * This check if for the item ( s ) you returned. We hope you will choose another item and order soon. Thank you for shopping with us. 
After a long conversation XX/XX/XXXX with assoicates/manager/supervisor at Comenity Bank advise there was still a balance due has applied a late fee and demanding I pay the balance and or make payment to items that have been return. This is the next steps that I am attempting to find a solution.
Product: Checking or savings account

Am attempting to close at least 360 checking account # XXXX and debit card # XXXX, do not have card as I believe it was stolen along with my credit card # XXXX yesterday, Tuesday, XX/XX/2018, which is being investigated. Looking at my cleared checks there was one # XXXX, a contribution to the Senator XXXX XXXX campaign, which appeared across my screen on my XXXX and then was gone. I attempted to investigate with Capital One, to NO avail. Went further and reached to the recipient of this check, had a conversation with someone in his DC office. Was told their mail was being held, ( probably XXXX or some other type of threat ) therefore a good possibility why my check has not cleared Capital One, even though it did for a flash. Now, I can not close my account as I wanted and will not be able to call this bank HISTORY as the other financial institutions I enumerated with your XXXX # XXXX in our phone conversation, which I initiated, today, Wednesday, XX/XX/2018 and provided information for 23 mins. What the S- is going on!! As I mentioned to your XXXX, I have complaints, letters, etc., with regard to this bank. Told him to let me know if they are required for this investigation.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a perfect credit history. I had no late payments with my creditors for some several years.  My score ranged for XXXX to XXXX normally.  On XX/XX/XXXX, the Navient company reported a 90 day late to the credit bureau for the months of XX/XX/XXXX and XX/XX/XXXX.  This infarction caused my credit score to drop to XXXX.  I had been making payments monthly to Navient. Consistently, the Navient Reps ensured me that as long as payments were consistently made; I would be in good standings. However, that was not the case. I made my last payment on XX/XX/XXXX. and was held in default for not only XX/XX/XXXX but XX/XX/XXXX as well. I have contacted Navient by phone to dispute, but was unsuccessful. I have submitted a written Dispute that is pending. My frustration comes because Navient  incorrectly informed me on my account situation and also was not given the appropriate consideration.I asked that the 90 Day lates be removed from my credit report. Thank you in advance for your cooperation into this matter.
Product: Credit card or prepaid card

I have a BMO Harris Bank XXXXXXXX XXXX XXXX XXXX. I have always paid ahead of the due date for this credit card electronically through BMO Harris electronic banking. I receive my XXXX XXXX XXXX on the XXXX of each month since XX/XX/2023. My BMO Harris BK XXXX XXXX XXXX payments are due on the XXXX of each month. I have always paid this card on time and have not been late. I started paying on the XXXX week of each month in XX/XX/2023. I made a {$60.00} payment on XX/XX/2023, due XX/XX/2023. I was owing. It was paid through the online banking that BMO Banks has for the credit card. It was deducted from my checking account as they always do. It was credited to my credit card balance account, but the BMO credit card balance payment did not show that the payment was made. The payment for XXXX showed on the bank account as being due on XX/XX/2023, as a minimum of {$25.00}. I immediately called the bank on XX/XX/2023, and talked to the credit card department representative, letting her know that the minimum payment of {$25.00} was showing with the date of XX/XX/2023. The customer service representative stated that the credit card statement had gone out on XX/XX/2023. She stated that it was going to be adjusted. I told her it was estranged because I always paid my card before the due date, and it was immediately adjusted. I took her word it was going to be adjusted. It did not. On XX/XX/2023, the BMO XXXX XXXX XXXX had a late fee of {$25.00} even though the payment had been made on Monday, XX/XX/2023. The XXXX XXXX XXXX XXXX payment policy states, and I quote, " Payments : We will credit your payment on the date we receive it if it meets the requirements for your method of payment ; otherwise, credit may be delayed : Online - We must receive authorization to effect payment by XXXX XXXX 
XXXX XXXX via our website at XXXX  ''. This is precisely what I did. My payment was deducted from my checking account on the morning of Monday, XX/XX/2023. Nothing on their statement states that making a payment before the due date is a penalty. Yesterday morning, I called XXXX from the BMO Credit Card Department. And explained my concerns regarding the late fee that brought my balance to {$67.00} to {$92.00} due to the {$25.00}. XXXX stated that the statement would make the adjustment once it came out and would take off the fee of {$25.00} from my statement bringing it back to {$67.00}. I expressed my concern to XXXX and told her I did not trust the bank by one second. The bank was manipulating the payment, charging a {$25.00} fee in bad faith. I told XXXX that I would contact the President of the BMO Bank through email because I had already experienced an issue with the bank. Her answer was that she would not reverse the {$25.00} back, which is up to the bank statement to adjust the account. I will legally fight this bank because this is an injustice done to low-income people. This is not the first time this bank has committed this crime. This a crime, and I am charging and accusing the bank of stealing money from me. 
Thank you for everything.
Product: Mortgage

I have a home that my father put in his name due to a better interest rate. During the pandemic I tried repeatedly to either assume the mortgage or remodify the mortgage with XXXX XXXX. They kept refusing to work with me. 

After the foreclosure moratorium ended XXXX XXXX again started the Foreclosure process. I applied for the Homeowners assistance fund during the spring of XXXX and they were able to stop the foreclosure. I got through the whole process was approved and the housing partner sent me the mortgage documents to have notorized. The payment was essentially on the way. 

What actually happened is that XXXX XXXX right in the midst of the arrearages being paid sold my mortgage and the servicer changed. I was not contacted about it. I only found out because I got a new foreclosure notice in the mail XXXX of XXXX. 

During this time I kept checking with XXXX to see what was happening with my application and finally determined that Selene Finance was refusing to work with XXXX and acknowledge my ownership of the property even though I provided them with everything they needed to complete the process. 

Ultimately, because I was not getting anywhere with XXXX I file my own bankruptcy to stop the foreclosure sale of XX/XX/XXXX. 

Unfortunately, I am not an attorney so my case was dismissed for procedural issues. 

Now Selene is foreclosing again. They have since inflated the amount I owe to well over the XXXX cap of {$60000.00} so they said they won't help me. 

This is criminal what these people have done. I'm in such despair. I don't know where to turn. Please help. I feel you are my last hope to keep my family housed and safe.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away 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