23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

this is a follow up from a complaint that I filed 5 months ago. but from an issue 12 months ago. 

My previous complaint was : I was impacted by Covid pandemic and I began a forbearance plan XX/XX/XXXX to XX/XX/XXXX. Before it ended, I applied for a loan modification in XX/XX/XXXX. I was approved for a loan modification for 3.1 % which would bring my mortgage down from {$2200.00} to {$1700.00}. XXXX also applied for the home assistance fund. They payed {$30000.00} in XX/XX/XXXX brought current and wouldn't allowed me to get a loan modification and that my issue was resolved. They would not allow me to file another pandemic modification so I had to do a normal modification. I sent in 80 plus documents and the pandemic documents needed none. I was denied because of a {$140.00} food stamp. I should have been approved. I have called over 30 times and received 2 call backs. I called HUD and FHA recourse center. I believe XXXX XXXX is obligated in assisting with my loan modification but are unwilling to do so. I can not reach anyone and when I do, they tell me a supervisor will call me back but they never do. It is frustrating to have to deal with this each time you try to call them. 

... .within days of me filing this initial complaint, I got a response from lakeview and after a slew of deceitful attempts to INCREASE my interest rate, I was finally to the point I was at XX/XX/XXXX with my approved interest rate and payment. I was once again approved for a modification with 3.125 % and a {$1700.00} payment that was approved XXXX but supposed to start XX/XX/XXXX XXXX middle of XXXX I reached out to lakeview because I did not recieve my mortgage statement and online it was showing a different payment amount. XXXX from XXXX reached out and said that the loans are only bought out a certain day of the month and I will recieve a bill when it is due. I also reached out XXXX to pay my mortgage and was told I could not. it was a waiting game until I got a letter a couple weeks ago saying I was past due on my mortgage. I contacted lakeview and XXXX from XXXX called me mid XXXX and said that I need to pay {$6000.00} ish ( from XXXX, XXXX and XXXX ) before they will even buy out my modification even though I had an executed copy of the agreement from lakeview furthermore, they increased my payment from XXXX to XXXX. I stated that I don't have {$6000.00} since I never received a bill and asked to pay my mortgage numerous times and was told I had to apply for a new modification with the current interest rates of like 7 %. I have been dealing with this for over a year now. they are so so so deceitful and I have caught so many lies that I am uncomfortable committing to work with a deceitful company for an additional 30 years
Product: Credit reporting or other personal consumer reports

XXXX will not dispute the information as they said it was verified called the creditor and it was not true the statement from the creditor states the account was venever reported fraudently ever to them I asked them to recent documents unfortunetley they will not do that anymore and they have placed a permanent internal lock on my account that is volating my rights they also sent me a letter stating that my dispute was made by error no error I want them to block all the information I am disputing and if the deny the need to provide accurate documents of verification of the debt I dispute the claim against me, asserting my rights under FCRA and TILA. Without written agreements, I question the validity 623 ( a ) ( 6 ) of the Fair Credit Reporting Act As a victim of identity theft, I request evidence to substantiate the claim.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My credit score has been drastically impacted by several unauthorized accounts that have appeared on my report. These accounts were opened without my knowledge, and theyre creating an inaccurate picture of my financial history.
Product: Credit card or prepaid card

The problem is with tjx Visa card under XXXX XXXX First the  represanative are rude unwilling to do anything when I talk to them it feels like I am talking to the robot Michine. 
They also tread the customer like a criminal. 
Second their automative is very XXXX doesnt respond correctly and doesnt understand me when I want to make a payment and payment through customer service they charge {$10.00} My XXXX statements didnt get to me snd my XXXX statements my neighbors brought it to me which I assume my XXXX statements also was put on the wrong address. The mail man make this mistake sometimes if he doesnt pay attention because there are at least 15 21 in this  community but under different street name The credit card charged me {$25.00} and {$35.00} Is this ok??????? 
Or its high way rubbery {$60.00} Just late fee Third problem is there are charges to my account thats not mine and it should be disputed and diducted from my account. 
Charges are from XXXX
Product: Checking or savings account

On XX/XX/year> My Chase checking account was charged in the amount of {$590.00} from XXXX XXXX. I immediately called my bank and put a fraud alert on my account because I did not order anything. Later that day after I got off work I went to the XXXX XXXX location where the item was ordered from and spoke with the manager of that establishment. I informed them of the same thing that I informed Chase Bank. I was told that the item was picked up but later it was confirmed that the ID used to pick up the item was a fake ID yet they still released the item. Complete negligence on XXXX XXXX 's part. This infuriated me and I asked if they saw on the camera the car the person was driving or even their face. The manager who assisted me told me they could not release that information to me. I also filed a police report with the local sheriff, but they could only file a police report and give me a case number. I'm looking to get this resolved I've been going back and forth with both Chase Bank and XXXX XXXX. I think it was complete negligence on XXXX XXXX 's part and now I'm out {$590.00} with no item to show for it either. Any assistance with this would be great! Thank you!
Product: Checking or savings account

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX PH : XXXX PH : XXXX EM : XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX Date of Birth XXXX/XXXX/XXXX SS # : XXXX TO : XXXX Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX, I received another email from Bank of America XXXX XXXX, XXXX in my XXXXXXXXXXXX email that included a PDF file titled XXXX. That was addressed to an unknown person XXXX and unknown school related extention XXXX 

As well, shown in my XXXXXXXXXXXX email accounts online, both XXXX and XXXX XXXX XXXX 's on my cellphone ; yet still did n't appear in my name in. Nor did I find any current or past emails from Bank of America in my XXXX XXXX account today ; which were deleted without my permission. I do n't have and have n't ever had a Checking, Savings nor Credit Cards from Bank of America, nor any Business related Accounts. I created both my XXXX and Email Email Accounts years prior to moving here to Georgia in XXXX. I have n't ever given anyone the passwords to any of my email accounts nor any of my other online or offline accounts. None of my accootherwere, are nor have ever been shared accounts. 
From : Bank of America XXXXXXXXXXXX To : Recipients XXXXXXXXXXXX Date : XXXX XXXX, XXXX, XXXX AM Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer.

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account XXXX XXXX  XXXX
Product: Credit card

Made a qualifying charge on my XXXX XXXX card ending in XXXX ( expiration date XX/XX/XXXX ) for the XXXX {$200.00} XXXX XXXX credit on XX/XX/XXXX, that showed as pending on XX/XX/XXXX. 

Charge posted on XX/XX/XXXX, which triggered the XXXX {$200.00} XXXX XXXX credit. 

I called and messaged Amex and was told there was nothing they could do, as the transaction didn't post until XX/XX/XXXX.
Product: Credit card or prepaid card

I was offered to get an interest charge credit back to me for {$100.00} and {$19.00} for the XXXX XXXX statement for 2017. I have gone over this with various folks that this was offered to me for a courtesy as promos were not applied properly at checkout times. This was confirmed by a rep for the credit card and now they send me multiple messages stating the below answer. 
( Thank you for your recent inquiry regarding your Walmart account, and the opportunity to be of service to you. 

We have completed our investigation of your inquiry and have provided you with the resolution. Unless you have additional information, we have no choice but to consider this issue resolved. If you do have new information that may assist in our review, please call us at XXXX or send any additional documentation to the address listed on your billing statement. 

We appreciate you as a valued Walmart customer and hope you will continue to shop with us. 
If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at the toll-free number below. )
Product: Credit reporting or other personal consumer reports

LVNV Funding/Resurgent has reset the date of last activity for the XXXX XXXX accounts noted above to obtain a judgement. According to Alabama Code 1975, 13A-9-12 ( a ), offering a false instrument for recording is illegal in the state of Alabama and the Circuit XXXX XXXX XXXX AL has been notified. 

The last payment on these accounts was presented in XXXX of XXXX and the accounts were closed/charged-off within 180 days of the last payment. 

Alabama state law ( AL Code 6-2-37 ) says that debt collectors have 3 years to file a debt collection lawsuit on an open account, such as a credit card account. The clock starts ticking 3 years from the date of the last action on the account in question not the date of the debt purchase. 

I had no knowledge of an LVNV debt and listed on the collection notice they have no info for the original creditor obviously for the purpose of eliminating my contractual right to arbitration as stated in the original XXXX XXXX XXXX agreement.
Product: Mortgage

I was married when the mortgage on my house was initiated almost 15 years ago. Both my husband and I had very good jobs. Since that time, we have divorced, and my former husband provides no support. I have had a change in employment, and I am now XXXX. The net result is that the household has a mere fraction of the income that it enjoyed at the time the mortgage was initiated. 
I have applied for HARP relief twice. Both times have been unsuccessful. I have a slight bit of equity in the property, and although payments are sometimes late, they are current. It is a struggle to make the payments each month, and very stressful. My credit card debt has increased because I have used credit cards to pay household expenses such as utilities and insurance while trying to make ends meet. 
My lender has no incentive to aid with HARP eligibility, because of the existing equity and the up-to-date payments. I have been told consistently that I do not make enough money to qualify for HARP. 
The brass tacks are this : if I make enough money to keep the current mortgage current, why do I not make enough money to pay a lower mortgage? 
I was also told that it would be helpful to my case if I were behind on mortgage payments. While the HARP application worked its way through the system, I withheld payments on this advice. The result is that I was still found ineligible, but my credit score decreased dramatically. 
I seem to fall into a borderline limbo. People who have higher relative incomes vis -- vis the same mortgage payment, qualify for REDUCED mortgages. However, I must endure the higher payments ( currently at 5.5 % ) despite lower income. How is this fair? The HARP program would be a godsend to someone like me and would make a world of difference in my month-to-month struggle. It would seem like I would be the poster child for such a program, yet it remains out of my grasp.
Product: Credit reporting

I and my wife obtained a loan for my 2015 XXXX XXXX, of course our credit was not great so I began to search for a better rate after six months. Well when you go to a car dealership the sales men tell you they need to have a report, then they do n't worry it will only be viewed as XXXX hit on your credit ... not true I ended up with as much as XXXX from XXXX dealer ; I went to XXXX dealers and ended up with at least XXXX hits. I called the Bureau and pleaded my case and of course they said the dealer was wrong could not change it, who is wrong in this instance, can there something be put in place so that the consumer can stop this after XXXX hit on the credit. Also they the dealers sell you a car based on what the banks maximum amount is without any negotiation fro the buyer to see if they want to pay that amount. this system is predatory and should be stopped. most consumers with a XXXX and below pay more for goods and services- not fair, please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX XXXX XXXX that I was leaving for a XXXX XXXXXXXX. I set up auto bill pay with them before leaving, as I knew I wouldnt have internet most places. After arranging bill pay, I learned during a brief period of internet availability that they hadnt pulled the payments in 3 months, and had been reporting me to the credit bureaus. I paid the past due balance, notified them I was XXXX, and told them to pull all future payments automatically for the duration of the XXXX. I came back from another remote area of the country on XXXX and saw that it had gone past due again. The missed payments were XXXX, XXXX, and XX/XX/2017, then again XXXX of the same year. The missed payments have caused my credit score to take a more than 100 point hit. I have since paid off the account, but after disputing the circumstances with TransUnion, the missed payments remain on my credit report.
Product: Student loan

I believed that my student loan payment may have been incorrect but decided to try to pay the incorrect amount anyways but the website does not let me pay due to error in the website. I have a screenshot, that is time stamped, available if required for proof. I tried calling MOHELA numerous times only to be placed on hold. I did not receive my student loan payment information until 3 weeks prior to the date it was due for repayment. So not only have I been unable to speak to anyone from MOHELA for the past month ( because I called before I received the letter in the mail with my payment info ), but I have been accruing interest on my loan when I am now unable to pay it and will be past due on my payment. I do not understand why this is such a mess when the loan servicer should have anticipated this months prior to repayment.
Product: Money transfer, virtual currency, or money service

Towards the end of 2020, I notified Coinbase via email that my account had been compromised. I knew this because I tried to login and all of a sudden my password didn't work and I couldn't access my account anymore. I had my cryptocurrency in their " vault '' feature which meant the assets were supposed to be frozen for a period of several days from the time that a transfer request was made via my account. 

Coinbase eventually responded several days later and said that they were looking into my case further and had assigned an expert to investigate. By this point, I realized who had compromised my account, it was my former roommate and reported him to the police and FBI to no avail. Apparently the value of the account at the time it was compromised ( {$80000.00} to {$90000.00} ) was not enough to warrant an FBI IC3 team investigation. 

I then realized that my phone, email and other electronic devices were also compromised and had to get all new devices and phone numbers/emails. I have since tried to reach out to Coinbase via phone, email, regular mail, etc. and have never heard anything back from them. I even consulted with an attorney that specializes in arbitration and after reviewing their user agreement, he advised me to make a formal complaint directly to Coinbase which I did XXXX year ago and then again 6 months ago and never heard back even though in their own user agreement it stipulated that they would respond to formal complaints within 30 days.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 or other personal consumer reports

Equifax was sent a letter 5 months ago informing them that there were unauthorized inquiries on my credit report. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply. Furthermore, they were informed that my personal information was involved in a data breach and still failed to thoroughly conduct an investigation and remove the inquiries. I am attaching the dispute letter which is dated, and time stamped. Due to Equifax 's negligence and disregard for the serious matter, I have attached an invoice for the violations. Please remit payment to the address on the invoice and remove the XXXX inquiries within 14 business days : 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/XXXX
Product: Credit card or prepaid card

I contacted the business via telephone on XX/XX/2023 to submit a billing dispute in a timely manner. I was provided case number XXXX. This is for a purchase dated XX/XX/2023 for {$1000.00}, the merchant is XXXX XXXX XXXX. Attached is proof of delivery from XXXX showing proof that the merchant received the merchandise. Per the merchant website and attached sales receipt, the merchant has a 30 day return policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

[ 15 U.S.C. 1681 ] ( 602 ) ( a ) : Congressional findings and statement of purpose. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

[ 15 U.S.C. 1681 ] ( 604 ) ( a ) ( 2 ) : ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
Product: Student loan

XX/XX/XXXX - I submitted PSLF employment certification form to FedLoan for period covering XX/XX/XXXX to present for employment with the State of SC. My employment was previously certified dating back to XXXX of XXXX only as I was in a 27+ month forbearance period from XXXX to XXXX of XXXX. Based on the PSLF limited waiver, I submitted a request for the period of XXXX to XXXX ( even my online FedLoan account shows eligible payments in date range of XXXX to XXXX but requiring approved employment in order to qualify ). Based on advice I received from FedLoan PSLF customer service rep about filing this ECF, I submitted a request to certify my entire employment history with the State to include the the period of time already certified ( XXXX to XXXX ), as opposed to only seeking certification for the period from XXXX. 

XX/XX/XXXX - Received letter from FedLoan notifying me that they updated my PSLF payment counts based on the employment information submitted. However, the only updates FedLoan made were to those between XXXX and the date of my ECF submission. They completely ignored the XXXX period. No rejection, no notes or explanation, no call to employer for additional information .... nothing. I subsequently called FedLoan PSLF line 3 times with waiting periods ranging from 1.5 to 2.5 hours. Each time I explained this issue. During first call, customer service rep indicated he understood the oversight and that my ECF would be reviewed with a determination made within 7-10 business days. It's been 3-4 weeks with no updates. My two other calls yielded no additional information that was helpful.
Product: Debt collection

I was evicted from XXXX XXXX XXXX  in XX/XX/2016. Manager XXXX told me not to pay rent and just to move due to previous altercations with neighbor below me. However, during court appearance, the balance owes was only {$1300.00} and now I have a creditor named Pro Collect trying to collect XXXX in owed rent which I feel is unfair if the manager refused my rent payment. This has caused hardship in me finding other places to live and I was forced to live with relatives because no one would accept me with that large amount being owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MADE SEVERAL ATTEMPTS WITH EQUIFAX TO REMOVE INQUIRIES THAT IS SHOWING ON MY CREDIT REPORT. THIS IS MESSING WITH MY XXXX XXXX AND HAVE ME STRESSED OUT UNTIL I HAVE TO TAKE MEDICATION DAILY. AND I AND TIRED OF CONSTANTLY CALLING EQUIFAX TO REMOVE THESE HARD INQUIRIES. I HAVE ALSO CALLED XXXX AND THESE SAME INQUIRIES HAS ALREADY BEEN REMOVED FROM MY CREDIT REPORT. PER 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 information is inaccurate.

HARD INQUIRY-EQUIFAX MORTGAGE SER DATEXXXX THIS IS NOT MY INQUIRY NEEDS TO BE REMOVED HARD INQUIRY-XXXX XXXX DATE- XX/XX/2022 THIS IS NOT MY INQUIRY NEEDS TO BE REMOVED HARD INQUIRY-XXXX XXXX XXXX DATE-XXXXXXXX THIS IS NOT MY INQUIRY NEEDS TO BE REMOVED