23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am currently a full-time student and my loan servicer is MOHELA. MOHELA keeps taking my payments & refusing to apply the to my principal balance. They hold onto my payments and wait multiple months, while these loans continue to accumulating interest, and refuse to apply them to my principal balance. 

On XXXX, I made a {$260.00} payment that MOHELA didn't post until XXXX. The payment was posted to an unsubsidized loan, and the interest MOHELA charged me during that period is still on my principal balance. They refuse to remove it. 

On XXXX, I made a {$950.00} payment that MOHELA refuses to post on my loan amount & principal balance. This payment is suppose to pay off the entire unsubsidized loan amount. However, MOHELA refuses to tell my why my payment won't post. They said they " received it '', and say all they can do is make a claim with their acounting department. 

I made XXXX claims with their 'accounting department ' over the XXXX XXXX months from the first payment they refused to post to my account. Not XXXX person contacted via phone, text, email, or mail. 

I really need help! This has given me countless XXXX XXXX, because MOHELA refuses to post my payments when I make them.
Product: Checking or savings account

I had two accounts with Wells Fargo ( an Everyday Checking and a Business Checking ) that I used while living in the XXXX. I moved to XXXX in XXXX and informed Wells Fargo of my new address. Due to XXXX residency requirements, both accounts were closed by the bank in XXXX. At the time of closure, the accounts held {$520.00} and {$550.00}, respectively, totaling {$1000.00}. 

Before the accounts were closed in XXXX, I submitted documentation requested by Wells Fargo to confirm I did not reside in a sanctioned country ( XXXX ). I also provided instructions to transfer the balances to my XXXX account ( details were submitted ). Despite this, the transfer was never completed. 

I have followed up multiple times via email and mailed a letter to Wells Fargos Customer Complaints team ( in XXXX, XXXX, XXXX, and XXXX ), but I have not received any response or resolution. I am requesting that Wells Fargo transfer the funds to my WISE account or mail a check to my current address in XXXX. 

I appreciate your help in this matter.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

On XX/XX/XXXX I refinanced my FHA loan with the XXXX to lower the interest rate from 4 % to 3.4 %. The loan office XXXX greatly miscalculated the monthly escrow amount and put my monthly property taxes at {$40.00} a month, totaling $ 480 year. However the correct amount should be around {$330.00} a month totaling {$3900.00} a year for property taxes. This is now going to cause a shortage to where I have to come up with over {$3000.00} within 12 months to cover this year property taxes, and the monthly mortgage payment will go up by at least {$300.00} a month to correctly cover future property taxes. 
On XX/XX/XXXX XXXX I spoke with customer service rep. XXXX at the XXXX and she informed me that on the original loan though them they were taking out {$350.00} a month for property taxes but now on the new loan it went down to {$40.00} a month. She was unable to provide an explanation on why they decreased it and so she transferred me to their XXXX department. 
I then spoke with XXXX who informed me the property taxes where off because they were less in XX/XX/XXXX. However he was not able to explain where they decrease the monthly property tax amount from {$350.00} to {$40.00} a month on this new loan. Furthermore I explained to him that I told the loan office at time of refinancing that I did received a supplemental tax bill and the property taxes are going up. I also noted 99 % of people in XXXX that do not pay {$40.00} a month or ever close to that for property taxes, and it made no sense for XXXX to lower it to {$40.00} a mo. He then messaged for a supervisor to call me. 
XX/XX/XXXX XXXX I received a call from a XXXX named XXXX at the XXXX XXXX department He stated he is " confused '' to why they decreased the monthly property tax from {$350.00} to {$40.00} a mo. and also agreed with me that is ridiculous that it was set for only {$40.00} a month. I then stated you guys need to do whatever you need to do on your end to make this right and I do not want the monthly payment to go up and do not want an additional bill to cover the loan shortage. He informed me that he needs to now speak with a supervisor in Customer service and a supervisor in their refinancing dept. to figure out what happened, and how to fix this. He then advised me that someone will be contacting me. 
XX/XX/XXXX XXXX I received a call from XXXX XXXX XXXX XXXX XXXX XXXX Department ( XXXX While not admitting wrong doing, or able to provide an explanation on the Escrow calculation errors. She was apologetic for these errors with the loan, and asked what I would like to happen to resolve this. I then stated I would like to be reimburse the {$5500.00} for the closing cost, the monthly payment shall not be any higher then original monthly payment, and loan must not be extended. She then explained she will need to speak with her XXXX to go over everything that happened with loan, and will then call me back. 

CFPB please note : Since this issue is still not resolved, I 'm submitting this complaint to you. I need your expertise, oversight, and any additional support that you XXXX provide
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaints in regards to the incorrect info on my credit report since XX/XX/2020. In early XXXX, XXXX  and Transunion made the correction. However, in late XXXX when I was about to submit my auto loan application, I discovered that the corrected error came back again on my XXXX  and Transunion credit reports. I attempted to dispute it with the credit report agencies directly, I was told that I need to wait for additional 30 days before the next update. The credit report agencies 's response is in bad faith. It has made my life extremely inconvenient during the pandemic.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent account that has been inaccurately reported on my credit report. I have thoroughly reviewed my credit report and found an account that I did not open and have no knowledge of. This account is negatively affecting my credit score and does not belong to me. 

I am a victim of identity theft, and this fraudulent account was opened without my knowledge or consent. In support of my dispute, I am enclosing the Identity Theft Report filed with the Federal Trade Commission ( FTC ).
Product: Credit reporting, credit repair services, or other personal consumer reports

As of Today, XXXX supplied a false creditreport to XXXXXXXX XXXX and XXXX 's falsely claiming I allegedly have many not paid as agreed accounts, severe delinquencies, and accounts I haven't had for decades or which a bank deleted settling a civil complaint of fraud in XXXX XXXX filed by my attorney seven+ years ago. Yet when my report is examined, I have all accounts paisd as agreed, never late on my retail telecom, auto, utility and other accounts. I was only ever able.to see good credit listings. I've written and requested all info on file about me with them, as well as to Equifax and XXXX XXXX, but no additional info or any of a deleterious nature is supplied me. As a result I have been denied {$620000.00} in loans and mortgages.
Product: Mortgage

Over a month ago, I exited the COVID-19 forbearances for my loans into COVID-19 Payment deferral arrangements. I then asked to have the total forbearance amount ( XXXX ) including escrow shortages from COVID-19 forbearance put at the back of the loan in a non-interest bearing lump sum. This is not yet done.
Product: Mortgage

had 2 loans with wells fargo in XXXX, they had me make payments XXXX XXXX - then they said they never received the payments. they started foreclosure on my home and I secured a lawyer. eventually they said they would refinance with another company and I could start making payments again. which I did for several years and then wanted to refinance my loan and paid a appraisal fee just to find out some other company real time solutions has a interest or deed on my home so i couldn't refinance. Real time solutions wouldnt work with me to finance it all into one loan. they wanted me to pay a new balance which was like XXXX loan started at XXXX so now real time solutions bought my 2 nd mortgage for pennies on the dollar and is just waiting till I build enough value in home to take over my home
Product: Credit card or prepaid card

I am a customer of American Express credit card since XXXX. I have never had a payment problem with Amex.My current net worth in liquid assets is more than XXXX XXXX dollars. 
In XX/XX/XXXX, I submitted an application online for a Delta Skymiles Platinum Card issued by American Express. Amex denied the application stating that there was an instance where a payment was returned to American Express by my bank. I had a typo on my account number when I set up a new bank account for payment of Balance Due on the Amex Statement. I had rectified the problem immediately. 
I called the Amex 800 number and explained the situation and pointed out that I had been member since XXXX and that until very recently I had an Amex Platinum Card. I have never had a payment problem.They said they will review and let me know. I received a regret letter by US Mail dated XX/XX/XXXX. 
I called the Amex XXXX number and talked to a woman who would only give her first name XXXX. I wanted to know who made the decision and if I could speak to the person. She said that is not possible. I informed her that I will submit a complaint with CFPB. She said some one will get back to me. No one has.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EXPERIAN/XXXX the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX and XXXX XXXX
Product: Debt collection

I left the amp fitness company as soon as I joined the only time they took a monthly fee of me was that first month and I immediately went and called and told them to cancel the membership and as well as spoke to my bank and got an email from XXXX XXXX saying that it was canceled and this was way back in XXXX to XXXX. I recently got the mail that I owe {$160.00} to the company which doesnt seem financially correct. 
Since I left the company and if the amount charged to me were to be correct, it would be way more than just XXXX because every month at XXXX XXXX  the membership is about {$65.00}, so from XXXX to XXXX ( when i received the calls and mail ) it wouldve been more money owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Their name is listed on my Experian Credit Report under Inquires - XX/XX/XXXX. I have called XXXX XXXX XXXX twice to inquire about this matter. Both times I called - recently on XX/XX/XXXX - I have been told from two different employees that XXXX  does not request or report ANY INFORMATION to the credit bureaus. How did it get on the report Experian?
Product: Credit card or prepaid card

I was informed that my account was closed due to a returned ACH payment, but if I made a valid ach payment for {$320.00} on  XXXX   XXXX  my account would be re-opened, I made that payment and followed u p 2  weeks later only to find out that my account still was closed and I was given inaccurate information. They encouraged me to apply for a new account, which was n't the terms of what I was told. Walmart credti card then opened a case to investigate yet still could not open the card On  XXXX  I requested that my account either be re-opened or the {$320.00} payment returned to me as I made that payment under false pretenses. However I was told this is not possible
Product: Debt collection

I reached out to Citi Card today at XXXX three times and each time the remote learning and Citi Card phone transfer issue continued to be disruptive in communicating with this FINANCIAL CORPORATION. Resolving issues can not be handled with this type of behavior. 
" Below '' is the last person who claims that they have everything in place to HANDLE CONSUMERS THAT HAVE BEEN AFFECTED BY THE XXXX VIRUS AND THE STATE OF MICHIGAN BEING SHUT DOWN FOR 11 MONTHS. 
XXXX XXXX Regulatory Complaint Specialist Citibank , N.A . 
XXXX XXXX XXXX XXXX, KY XXXX
Product: Debt collection

Fox Collection Center is trying to get me to pay the amount of {$470.00} in lieu of XXXX XXXX XXXX. I have contacted XXXX and I am XXXX therefore I am not required to pay any debts sent over to collections. XXXX at Fox Collection Center has been calling me at least 3 times a day since XXXX of 2021 to pay this balance and I have repeatedly told her that I am not responsible and she would get smart telling me I need to contact my insurance carrier. Now there is someone named XXXX calling from the office as well. The bill was sent out on XX/XX/2021. The last call came in yesterday afternoon.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX ) XXXX Subject : Request for Removal of Closed, Paid-Off Account from Credit Report Dear Capital One Credit Department , I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX * Last 4 Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX * Account Closed : XX/XX/XXXX, XX/XX/XXXXXXXX  Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 

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

My social security number was stolen from me to open fraudulent accounts under my name.
Product: Checking or savings account

Bank of America placed my checking account in their account closure department and is holding my direct deposit from my employer. Each day that I call them there is a different timeline on when I will receive my funds. The risk department account team is rude, talk very fast and constantly change their responses depending on what questions may be asked. The responses and timelines are inconsistent depending on their mood and the day you call. They sound extremely stressed out. Yesterday, I was told to call back after my account and direct deposit were processed. Today I was told 2-3 business days I may be able to go into a branch and receive my funds. The key word is may. Bank of America will not set a definite date. Otherwise I can wait until after the account receives a closure date. and wait an additional 15 days to receive a cashiers check in the mail. On Friday - 4 business days ago I was told by customer service - good luck to you. Once the account is placed into the account closure department apparently it is up for review to receive an acutual account closure date. I would not recommend doing business with Bank of America. They are holding my direct deposit from my employers funds until further notice. When I asked if today, the day my request for my funds was made official on their end is 2-3 business days the representative quickly said, today does not count for a business day since the request was just made. She then Quickly threatened me and said do you want me to submit this request or would you prefer to wait and receive a cashiers check in 15 days after the account closure? I have never been treated so poorly by a company. I am hoping the CFPB can help me resolve this issue. Bank of Americas process of closing accounts is unfair and accounts that have large sums of money ( over XXXX ) should be handled differently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently made aware of fraudulent information being reported on my credit report. After receiving a copy of my credit report i regretfully discovered that my information has been exposed in several recent data breaches that occurred over the last year, and my information is being used to fraudulently obtain accounts and services.
Product: Credit card or prepaid card

I went online to pay my Barclaycard US bill on the day it was due. I have paperless billing. On the home page when I logged in on my personal computer, I saw a " posted transaction '' of {$29.00} for a late payment fee. When I tried to dispute the charge using the online option with the transaction, I received a pop up message that the charge was not eligible to be disputed using the form and to call. Since I was not late I immediately called the company and was told that they automatically post the fee on payment due dates and that it is automatically removed when a payment is paid on time. They also said that it was in my agreement and that the only way to avoid it was to pay before the due date. 

I checked my previous transaction history and saw XXXX additional {$29.00} late fee transactions on XX/XX/22 and XX/XX/22 in addition to the XX/XX/XXXX charge. The transaction states " on statement as LATE PAYMENT FEE ''. My due date is the XXXX of each month and my payment was made on time for both of those dates which the representative verbally validated. 

When I asked for them to show me where to see where the charges were removed or credited back, I was told that it's done automatically and doesn't show on the transactions or statements. 

The problem is that neither the fee nor the removal shows on my statement in spite of the fact that the transaction says it shows on the statement as a late payment fee. It also doesn't show as an additional transaction. 

I told the representative that if I was charged then I should also be able to see where I was credited and asked where I could find that information online or on the statement. They basically told me the system wasn't set up that way and that the late fee transactions, both charge and credit, wouldn't show up on the statements or online if a payment had been made on time, and that if it wasn't on the statement then I didn't need to worry and that it had been removed. 

They confirmed a late charge is charged and I have that documentation in the transaction but no way to confirm the charge was removed. Additionally, if they state that a transaction is on a statement in writing but verbally say it won't show if my payment is made on time, then I have no way to validate the removal of the charge. 

I can't believe it is legal to charge and credit my account without the charge and credit showing on my statement or the credit not showing as a transaction on my online account. How are they allowed to state a transaction will show on a statement and then not do it? 

When I asked for documentation of late charge removal for the three dates, they said it would take 7-10 business days to be sent to me. I shouldn't have to request documentation of a charge removal.
Product: Credit reporting or other personal consumer reports

A hard inquiry from XXXX dated XX/XX/22 appears on consumer reports. No disclosures were given for this hard inquiry.
Product: Credit reporting or other personal consumer reports

I am a natural person, i attempted several times to resolve the issue nothing was done. I am a living human being and I have rights under 15 USC 1681. XXXX, Transunion and XXXX is governed by 15 USC 1681 and they've violated my rights numerous times. My personal information has been exposed in breaches, and information inaccurately and unlawfully reported. According to 15 USC 1681 I have a right to privacy and I never gave XXXX written or oral permission to furnish these accounts. I demand these accounts listed below are removed from my credit report immediately