23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1.The lender, XXXX 's servicing agency took my mortgage payment through XXXX on XX/XX/XXXX, put it on hold and initiated foreclosure against me for the payment that is still unapplied. ( see Rushmore Loan Mang. Response to CFPB Complaint dated XX/XX/XXXX, XXXX. XXXX. XXXX ( see also Loss Mitigation Affidavit attached ) XXXX.The lender XXXX refused loss mitigation and foreclosure prevention efforts and continued foreclosure in the XXXX XXXXt of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, for the payment it has on hold and unapplied XXXX, I filed a XXXX XXXXXXXX XXXX plan to reorganize the debt but, XXXX XXXX  XXXX XXXX claims in the bankruptcy court that alleged it held a corporate assignment from XXXX dated XX/XX/XXXX. However, that was false and the claim was disallowed but, the court XXXX a lien to XXXX XXXX  although proof of a claim of a XXXX did not exist.

XXXX.There was no corporate assignment dated XX/XX/XXXX, between XXXX and XXXX XXXX  before the bankruptcy filing on XX/XX/XXXX. The corporate transfer violated the bankruptcy automatic stay and occurred XX/XX/XXXX and recorded on XX/XX/XXXX. ( see Rushmore Loan Mang. Response to CFPB Complaint dated XX/XX/XXXX, XXXX. No. XXXX ) ( see Motion for Reconsideration attached ) XXXX. On XX/XX/XXXX, I paid the XXXX XXXX bankruptcy plan to completion and filed a motion to avoid a XXXX however, the court stated it consented to XXXX XXXX XXXX transfer during the automatic stay. My certificated of completion was denied and my motion to avoid a XXXX was also denied. Therefore, I have filed an appeal. ( see case No. XXXX XXXX and XXXX cv XXXX ) XXXX. XXXX took my mortgage payment put it on hold and initiated foreclosure in the meantime, I paid for a reorganization plan to completion but, XXXX XXXX  was granted a lien it did not have. I have paid my bills and yet losing my home. ( see Jet pack ) XXXX. I need help. My mortgage balance before my rights to homeownership and credit was {$XXXX} at 2 % interest. After XXXX took my mortgage payment, unapplied it and initiated foreclosure my mortgage balance is now {$XXXX}, ( see recent mortgage statement ) XXXX. When the same incident occurred with XXXX  XXXX XXXX the institution refunded my money and offered home retention programs. I believe XXXX and XXXX XXXX  are XXXX  me.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was charged {$1800.00} by " XXXX XXXX XXXX '' in XXXX. I was travelling in XXXX and was not in the " XXXX '' region. I have never heard of this merchant, nor have I authorized this transaction. It shows that my card was swiped at this location. From further research I found out that the translation means photography company, yet listed as a bar / restaurant business. I do not know why it shows my chip was inserted and I do not have any other users on the same account. I also have not given any of my credit card information to this merchant. 

Originally I thought this was the taxi driver entering a wrong amount, as that was the only transaction I have made in that time frame. I tried contacting Bank of America as soon as I saw the charge to ask for help. It was filed as a claim to dispute the amount, when it should have been filed as a fraud claim. This claim eventually was marked closed and I was still charged this amount. I then called again to get more information and was told that BoA will ask the merchant for a signed receipt, a few days later I was told that they will not do that and it is deemed a " valid charge ''. It is ridiculous that BoA is claiming that I authorized a $ XXXX transaction it at a self serve kiosk that doesn't require a pin or signature. 

I would like CFPB to help resolve this and get BoA who claims that there is a {$0.00} fraud liability to keep their promise. I am happy to sign an affidavit or file a police report as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX In XX/XX/XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX   offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. XX/XX/XXXX I recontacted customer service to inform them that I was still in a financial burden with having to pay for insurance deductibles that was caused by the storm and not qualifying for FEMA assistance. At that time, they offered an extension of the forbearance from XX/XX/XXXX - XX/XX/XXXX, with the same benefits offered as before. When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XX/XX/XXXX when these same charges were being improperly charged. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX XXXX in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and Equinox to no avail.
Product: Debt collection

I have told them the person they are looking for, XXXX XXXX, is not the owner of this phone number. I even called back and we verbally told my number had been removed. When I asked today who was calling they would never say asked for the same person
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such that in fact, therefore exist., ( please remove these accounts before I seek litigation for defamation of character ) XXXX  balance {$250.00}, XXXX  balance {$150.00}, XXXX Balance {$16000.00}, XXXX balance {$12000.00}, XXXX Balance {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Student loan

XXXX : Applied for XXXX ; Mohela ( via telephone communication ) informed me that loan was transferred to them and XXXX may take a while to process. 

XXXX : Called Mohela for status update. Mohela informed me that they never received an application. Reapplied for XXXX  through studentaid.gov ; XXXX  received by Mohela on XXXX. 

XXXX : Called Mohela for status update. Representative and supervisor informed me that they were not sure why the application has not been processed. They suggested that the application be cancelled through them via phone and they would initiate another XXXX application through the phone. So, a third XXXX  application was initiated with an expected completion date after XXXX business days. 

XXXX : Called Mohela for status update. XXXX was not sure why the application was not processed. Informed me that the application should be processed in another 5-10 business days. 

I am not sure if a another new application was initiated since a new XXXX document appeared with a received date of XXXX as evidenced by the image attached.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$6500.00} ; XXXX XXXX XXXX Owed : {$4400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$780.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX. ) Balance Owed : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance Owed : {$9300.00} ; DPT TREASURY XXXX XXXX Owed : {$2200.00} ;
Product: Debt collection

Contacted on XX/XX/20 - Saturday XXXX. No voicemail left on phone. Collector then called grandmother and mothers phone and would give no details other than was Transworld.

I called back and was told medical debt owed to XXXX for unknown amount. Person asked for my dob and I hung up. 

I am a XXXX student- XXXX years old, financially dependent on my parents as well as on their medical insurance plan for billing purposes. This is a scam as my mother called back and they did not say a word to her. She asked if anything has been mailed about a debt- no comment. 

Phone number that called me was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This troubles me as much as it troubles the Credit Bureaus regarding the th fraudulent items reporting on my Credit Report. My Legal counsel is urging me to file a legal case to set as an example for other consumers suffering the same problem as I was. The Credit Bureuas have done nothing to correct my Credit File and continued reporting the disputed items without providing me copies of documents as proofs of verification. This action is a clear violation of a consumer 's rights and is punishable by law. Under the FCRA section 605b, The Credit Bureaus are required to remove any accounts and information that the consumer identifies as an item resulting from the theft of my identity. Although I do not want to bring this matters to court, my lawyers wanted me to file a case and show that the Credit Bureaus are not immune to legal trials. I am sbumtting this CFPB complaint to request that the Credit Bureaus remove the fisputed fraudulent items before I am forced to take legal countermeasures. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Original XXXX : XXXX  ) XXXX Balance Owed : {$690.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$290.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX/WELLS FARGO and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/WELLS FARGO and XXXX XXXX with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never 30 days late ( Date of Late Payment )
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION and XXXX are refusing to remove inaccurate accounts on my credit report!!! Please Help! 

XXXX did a PROPER investigation and found the following accounts are inaccurate and have deleted them from my credit profile... please see attached TRANSUNION and XXXX never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate across all three Bureaus. 

They stated my account was properly investigated but how is that possible if dates and other items are inaccurate. This is grounds for removal of ALL inaccurate items on my credit report Also the credit bureaus took more than 30 days to complete an investigation The accounts in Question that XXXX has deleted from my credit profile : 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: Debt collection

I was just looking at my equifax credit report and my personal information has been updated an dis correct but I have a account that needs to be Removed immediately. I have never had a card or any kind of business with these companys. I know that I have the right to a Fair and truthful credit reporting experience. I was sent a letter in the mail about this company. The information was incorrect. It had a differnt Name and 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
Product: Vehicle loan or lease

I had a boat loan with BB & T - now Truist. Contact with the lender is impossible - wait times predicted 30-40 mins, and when you do contact them they can not produce pay off quotes or get any communication to you within 2-3 days. Trying their social media account is also useless as they suggest they will get back to you within a business day via an automated chat bot.
Product: Credit card or prepaid card

XXXX XXXX denied my application for their " XXXX XXXX XXXX '' card ( attached ), stating that my credit application had " unverifiable application information '' ( BUT DID NOT SAY IN THE DENIAL LETTER WHAT THAT " UNVERIFIABLE APPLICATION INFORMATION '' WAS! ). A " customer service manager '' stated that my " cell phone number '' was " unable to be verified '' by.. .XXXX ( who XXXX XXXX uses to " verify credit application '' information! ). I have e-mailed XXXX about this very issue, today, XX/XX/2018. Apparently, XXXX XXXX does NOT have the brains, or staffing intelligence to find out WHY their third party vendor can not verify a cell phone number that a simple phone call TO ME, ( the alleged " unverified information '' ) would complete!
Product: Student loan

I've been getting calls from a " XXXX '' at the " Student Loan Support Department '' teasing with a previously unknown loan reduction program. The call is from XXXX XXXX XXXX, but the callback number is XXXX XXXX XXXX. It sounds fishy. My current servicer is Nelnet, but they're not mentioned in the voicemail anywhere. Just wanted to point out a potential scam. 

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

I am a victim of Identity theft. credit card accounts have been opened in my name, using my social security with XXXX Bank, XXXX XXXX, XXXX  XXXX XXXX, and XXXX. I received letters from XXXX Bank validating the accounts were opened by another person using the social security that I did not authorize. I requested a credit block with a credit reporting agency with all required documentation to validate I am a victim of IDENTITY This has not been done. After calling the credit reporting agency I have not been provided information and documentation why this has not been honored. I was informed to submit further documents although they were unable to tell me what documents and why my block was not done or valid. The letter states the block was not granted due to either an error, more documents are needed, or that I received the items. I repeated and requested documentation to this conclusion and I have not received anything to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey.

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX
Product: Debt collection

I have repeatedly my registered mail requested debt verification from this company " Credit center , llc ''. They have never responded to me and I have followed up informing them that they in fact failed to respond and again received no response. I have US Postal receipts that all communications were received by them and I have never received anything in return either verifying the debt or explaining why they have failed to. 

original request for debt validation signed for by credit center Inc XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Failure to respond notice Signed for by credit center Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Most recent XXXX XXXXo respond notice sent XX/XX/XXXX
Product: Student loan

I have been working at a qualifying employer from XX/XX/XXXXXXXX  continuously, last certified in XX/XX/XXXX. My loans were in repayment the entire time. I should have credit for all months between XX/XX/XXXXXXXX  and XX/XX/XXXX. Mohela has deemed the following payments as ineligible : XXXX XXXX XXXX. With the one time adjustment, these payments should count towards PSLF.
Product: Mortgage

My mortgage loan was transferred to the company to be serviced. I called them countless times to fix the website so I can login to make payments and view my account. 

They do not fix it and only allow me to pay over the phone and always ask for my full social security number over the phone. 

Ive asked them countless time to send a statement of what my balance is and history of payments. I dont get any billing statements either so Im not sure what the account or loan number is. But may be one of below. 

XXXX XXXX This is the website https : //uwm.loanadministration.com/uwm/ # /login
Product: Money transfer, virtual currency, or money service

on XX/XX/2020 I sent XXXX USD ( converted to 20 euros ) using XXXX. The receiver account was TransferWise, but since according to their records some data was missing, they refunded the money. ( I have both proof of payment from XXXX and proof of refund from transferwise ). A whole month passed because they kept saying I should wait for 14 business days after the money wasn't there, they will take a lot of time for every response, etc. In the last recent emails, Transferwise says they need an official note from XXXX saying the money isn't there, but they keep asking unrelated questions, saying that the money is not there, asking me to show a proof that TransferWise is requesting this but no matter how many screenshots I send both companies refuse to help me tracking the money. The only intermediate is XXXX XXXX, so if the money is not in either of the companies, it should be there. Bot companies are refusing to help indirectly by asking absurd information.