23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complain is in reference to previously filed complain with CFPB and it's response provided by the mortgage lender. 
Refer to Previously filed complain # XXXX. 
Based on above reference complain #, the company has accepted their failure to provide a loan estimate which is violation to Frank-Dodd Mortgage Lending Rules. 
In the MDL Mortgage dba The Money Store response, they are failed to response fair resolution to the issue. As a fair resolution, following were asked. CFPB and any governing agency must hold MLD Mortgage dba The Money Store responsible to honor following resolution.

1. MLD offered 2.5 % interest rate and did not honored caused me to lock in rates higher than 2.5 %. Company must pay the difference in interest rate for the life of the mortgage. 2. Company should not be allow for such gimmicks in their lending practices. CFPB must take appropriate action against the MLD. 3. Fair compensation must be paid for the mental stress & aggravations created by MLD in last few months.
Product: Student loan

The loan servicer for my student loans is Mohela. I was previously on the income driven repayment plan of REPAYE on XXXX  but submitted my application to the SAVE plan on XXXX  where I would pay {$460.00}. Instead, Mohela entered me into LEVEL standard repayment plan {$1900.00}. The explanation that I received for this was that there was an error on my IDR application but they could not tell me what that error was. They said the best course of action was to reapply so I did on XXXX I was told to reach out in 4 weeks if I didn't hear back. On XXXX ( 5 weeks later ) I called back and the resolution center said my application errored out again and that they would submit a " note '' to get it processed within 10 days. I called back 10 days later on XX/XX/XXXXXXXX  and I was told that the application is still processing and to reach out again on XXXX My administrative forbearance is set to end on XXXX I do not believe my application will be processed by then and will continue to have the same problem. I am currently on the Public Loan Forgiveness and worry that these months will not count towards that and will set me further from forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Transunion Credit bureau has failed to respond about the removal of the erroneous information about My Inquiries. Sending them the last complaint dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my inquiries are continuously reported on my Credit Report. Therefore, TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates called on XX/XX/XXXX. They called myself, my wife, and my brother and sister in-law. My brother and sister in-law aren't blood relatives, so they have no reason to call them. I pulled two credit reports. On one credit report they have made multiple inquiries. I haven't missed a payment since XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

The cryptocurrency distribution company, Coinbase.com, double charged me for a single payment. I purchased a virtual currency with them on XX/XX/XXXX for {$300.00}, which worked as expected. However, I just looked to see another charge was made on XX/XX/XXXX for another {$300.00} despite me not initiating or authorizing it. There are no fees listed for using their service other than the relatively small transaction fees included in each payment. I have been trying to get a hold of them but they're support team is inadequately staffed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I called Best Buy Credit Card Services to dispute a XX/XX/XXXX purchase. 

I disputed the fact that I did not purchase a {$1900.00} XXXXXXXX XXXX nor did I have it delivered to an XXXX XXXX XXXX in XXXX. I also disputed that the Best Buy card used to purchase this product under my name is different from the Best Buy Credit Card in my possession. 

In XX/XX/XXXX, I called Citi Bank to file a claim of fraudulence regarding the Best Buy Credit Card purchase. Citi Bank confirmed the investigation was underway. 

I called again sometime in XXXX and was told the investigation is still occurring and could take up to 90 days. 

On XX/XX/XXXX, I received an updated letter informing me the investigation has completed and Best Buy removed the disputed charges. However, my Best Buy account is still sending me emails and calls to pay my bill, as the charges remain listed on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, Im having a problem with Experian reporting information on my credit report that is incorrect. I submitted a dispute about 3 weeks ago to Experian because they did not update a loan with XXXX XXXX showing the loan had been paid in full with XXXX balance. I disputed the incorrect info but Experian kept the information on my account even though I submitted a letter from XXXX  stating the account was paid in full.
Product: Debt collection

I requested the above information, they responded that they need my SSN, XXXX, reference number. I included the reference number on my original request, I did not give them any other personal information. They have not responded back to my XXXX requests of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I applied for an online checking account at XXXX with a {$200.00} cash offer to open the checking account. After I filled out the information and submitted the application, I received a notice that my application for a checking account was denied. I received a notice that XXXX would not open a checking account because of information from Early Warning Services. I attached the notice to this complaint. On XX/XX/2021, I contacted Early Warning Services to find out what is going on. They wouldn't give me the information over the phone. They claimed that it would take several days to send me the report. I requested for the report. They emailed me a Deposit Score that I attached to this complaint. Early Warning Services could not help me fix the problem. On XX/XX/2021, I called XXXXXX/XX/XXXX to find out if I could get someone to help me open the checking account or a least find out the reason my account was denied. However, everyone I talked to did not seem know what to do. They all sent me to different people and no one was able to help me. After talking to a few different people, I was sent to another department that was not able to help me and my call was ended. I do not understand why I was denied a checking account. I have not committed any fraudulent activity. I work for the U.S. Attorneys Office in the Department of Justice. I received an extensive background check for a security clearance. I would lose my job if I committed any kind of fraud. I have not over drafted any of my bank accounts. I have checking accounts with XXXXXX/XX/XXXXXXXX XXXX and XXXXXX/XX/XXXX Applying for a checking account has never been an issue and this is the first time I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX 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 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

During the past XXXX months we have fallen behind paying our bills. We have been making double payments in an effort to get our monthly budget back on track. For the credit card company we are filing the complaint against the last time a payment was made was XX/XX/XXXX. The monthly due date is the eighth of the month. On XX/XX/XXXX, a large payment ( {$1500.00} ) was deducted from an alternate checking account without our consent ( Only XXXX of our XXXX checking accounts is used to pay all the bills ). The result was a negative balance and an insufficient funds fee of {$36.00}. We contacted the company and they agreed that it was an unauthorized payment made by phone ( we always pay online ) but it will take a few " cycles '' before the error can be corrected. The problem with this is that we have had a limited income, I have resumed working part-time after a period of inactivity due to circumstances beyond our control, and making payments to other credit card companies.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the fraudulent items with charge off accounts with incorrect balances that have appeared on my account. Despite my prior XXXX attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. 

The continued presence of these charge off and innacurate personal information not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. I have attached all relevant documentation once again, including account statements highlighting the fraudulent items and any supporting information that could aid in the investigation. I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to remove the charge off accounts and innacurate personal information : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$6200.00} XXXX XXXXXXXX XXXX Balance : {$720.00} XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/year> I received.correspondance regarding my mortgage balance that is currently current and I have had concerns regarding this mortgage origination and balance on this loan. I have being approved for a repayment plan for the XXXX mortgage payment. I never received correspondance for this plan. 

I am being retaliated against with erroneous collection letters from Shell Point Mortgage because of the complaints I have been submitting to CFPB regarding this mortgage origination to put a collection on my credit for {$11.00} XXXX that was advanced years ago for HOA dues that were delinquent that I was told during Covid 19 I did not have to pay back. As you can see I am current with this mortgage at the present. 

If this happens I will be reporting fraud and have no choice but to file Bankruptcy and or lawsuit and I will contact the Office of Inspector Genernal and the Presidents Cabinet regarding this retaliation. 

I am tired of servicers ruining my credit because of Covid 19 and I am working on getting out of my name.
Product: Credit reporting or other personal consumer reports

My name is XXXX l XXXX the list of Accounts has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. My accounts have been charged off and sold to a debt collector as per my agreement once there is a charge off I owe my original debt to that company. I request the XXXX XXXX  XXXX for {$2300.00} and XXXX XXXX XXXX for {$2300.00} as well as XXXX XXXX XXXX XXXX for XXXX. It is illegal and against the law to sell the account when the account has been charged off from the original debt as per the agreement for this credit card. The rules of the FDCPA have been violated. As per the original agreement the debt was sold to a third party without my permission.I have never received a validation notice from this collector the third party that took over the debt. I am requesting the original agreement and for this debt to be deleted off all XXXX of my credit report XXXX, XXXX and TransUnion. Here is the list of debt that have been sold to a third party without my permission as per the ordinal Credit agreement!! 

XXXX XXXX XXXX for XXXX amount not recognized as debt they are saying I owed debt collector XXXX XXXX XXXX For XXXX do not recognize amount and debt collector XXXX XXXX XXXX XXXX for XXXX it is illegal and against the law to violate the original agreement sell this account t and to make up amounts these account need to be deleted. They were all sold in XX/XX/year> with out validation notice and all XXXX account have the same money owed very strange.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus XXXX, XXXX And TransUnion Are Reporting A Student Loan ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) That Was Forgiven/ Discharged Due To A Total And XXXX XXXX  I Have Paperwork To Prove, I Need This Removed From My Credit Report Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting 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 has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward customer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of there dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I have enrolled in an XXXX benefit set up by Optum bank and on XX/XX/year> there was a XXXX USD contribution from my payroll going to that Optum bank account. Although the payroll system clearly showed the contribution was charged and went to Optum, I did not receive that fund in my Optum bank account after weeks. I called Optum Bank a couple of times, but they have never given me any practical answers or returned to me as promised. My XXXX USD was missing and I need them to investigate but the customer service keeps copying the same script and just doesn't help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 I discharged my debt through the Bankruptcy courts by filing chapter XXXX, my Wells Fargo card was included and till this day, on my XXXX report, they have been reporting me late and past due! This is inaccurate and needs to be corrected, this debt was charged off and cant be reported that I am late on that account when its been discharged. Please fix this!
Product: Student loan

I never opened an account with this company. I don't know how they got my information. This company is not licensed to collect debt in my state.
Product: Payday loan, title loan, personal loan, or advance loan

After the last complain i made to advance America because of the loan that was taken out of identity fraudthe complain was attended to and solve, but I went in to apply for a loan, they wont welcome me and says not approved without any reason
Product: Checking or savings account

I have reached out once before due to First Horizon having a hold on my funds. My account still has a hold. After my first complaint they finally decided to reach out and send a letter by mail. Nothing has yet to be done. They stated they are waiting on response from lender. Weeks have passed. It has been well over a month and a half. Why accept the money in the first place? They find people they feel are gullible and try to run circles around them. This money has been disbursed to my personal account. On behalf of Sba I am legally responsible. I have an fiduciary obligation to pay this money back. I had to have qualified to get the funds. I go through the process of getting approved and the banks of course are up to their usual schemes and politics as far as keeping my money as long as they could possibly hold it earning interest. This is very disturbing. We have to continue to educate and arm ourselves with knowledge and be up to par when it comes to these issues. I should have never left the bank without my money in the first place. I will be filing several more complaints. How dare you.
Product: Mortgage

XX/XX/XXXX To whom it may concern : In XX/XX/XXXX I did a refi of my 30 year fixed rate mortgage with XXXX XXXX XXXX. The refi was a 15 year fixed rate at 3.75 %. At the time that I closed my mortgage payment was {$1000.00}. Two months later the mortgage was sold to Loancare mortgage company. After Loancare took over my mortgage, my payment was lowered to {$1000.00}. 

In XXXX of XXXX Loancare adjusted my mortgage payment to {$1000.00} to adjust for the shortage in taxes and insurance. It was my understanding that at the end of XXXX my mortgage would revert back to the original refi rate. 

In XXXX my mortgage payment increased by {$55.00}. My annual escrow account disclosure statement revealed that there was a {$750.00} shortage. My taxes have remained the same since XXXX and I have not missed a payment. I spoke to XXXX XXXX ( escrow managerXXXX ) and explained my situation to her. She said one of her managers would contact me. I was at a Drs office when they called and asked if they could call later on in the day. I have never heard from them again. I have left several messages for Ms. XXXX but have not received a return call. I have had several other conversations with their customer service department. Nobody has been able to give me an answer about why there was a shortage at the end of XXXX. 

I WOULD LIKE TO KNOW HOW DID I END UP WITH A SHORTAGE AT THE END OF XXXX ( {$750.00} ) WHEN MY TAXES AND INSURANCE DID NOT INCREASE AND I MADE ALL OF MY PAYMENTS ON TIME? 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I purchased a town and country minivan with my wife. we got a divorce in 2020. It was a very contentious and uXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The judge specifically awarded the XXXX to my ex ( see attached ) though. She stopped making payments and the XXXX was repossessed making 2 years of late payments and the repo on my record. XXXX years later I am trying to get a loan for my buisness and found out there are 2 years of derogatory statements in my credit report that caused me to be denied for my loan. I sent the judges order to santandar to show that the vehicle was not legally mine when the payments were missed and vehicle was repossessed, but they refuse to remove it from my credit report and are claiming I still owe them over {$7000.00} for a vehicle that isnt mine and was awarded to my ex wife. Apparently, however the vehicle with derogatory statements attached is not on my exes credit report, even though she is the XXXX who was awarded possession of the vehicle... not me. How would I have known she wasnt making payments, and why do I have to pay off a vehicle that isnt even mine? XXXX just trying to run a buisness and raise my kids and this XXXX company is destroying eveything XXXX trying to build for my kids by lying about what I owe them and by denying a court order stating the vehicle isnt mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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: Mortgage

This is a continuation of complaint XXXX. Please see attached information showing proof of payment history. Mortgage company is claiming a payment has been missed. There has been not effective information provided by Mortgage company and the date of their claimed missed payment has changed multiple times. Would appreciate if CFPB can get Mortgage company to close their claim based on attached supporting information. Until this is closed, there claims can only be seen as harassment. Thank you.
Product: Debt collection

Im trying to apply for a house and this came up on my credit report not allowing me to move forward. Ive asked numerous of times for a copy of the original agreement that was signed and they can not provide it to me when they did. Send me a copy of the agreement, after the third time asking it had my name electronically on it but not a signature. I think this is incorrect and I did not sign something electronically. I would like an original copy with my exact signature on it to know if this debt is accurate theyre trying to settle with me, but XXXXm requesting this information first.
Product: Credit reporting or other personal consumer reports

The fraudulent, inaccurate, and misleading information persists on my consumer credit report despite my numerous attempts to address it. The inclusion of these erroneous items has severely impacted my life, causing me significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to having this information associated with my name, as I have fallen victim to identity theft.