23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm submitting a report to the CFPB against XXXX credit bureau for failure to properly investigate my dispute regarding Global Lending Services over an incorrect entry on my credit report. The report incorrectly lists a debt of {$14000.00} that I do not owe. I requested proof of my signature to verify that this debt is mine, but Global Lending Service has not provided signed documentation and has failed to remove the erroneous entry from my credit report. This lack of action has negatively impacted my credit standing.
Product: Student loan

Mohela is not even processing my PSLF application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved one so this pushes the processing time even further due to their mistake.
Product: Mortgage

We began trying to refinance an existing mortgage loan helps by Flagstar Bank to a new, lower rate loan with Flagstar. It has been just over 3 months since we began the refinance process. I have been timely and diligent in sending them all the documents they require. They have not been timely. They keep asking for more documents, sometimes asking for clarification weeks after I have sent them the required information. I feel they are purposely delaying to keep us paying the original loan higher interest rate as long as possible, or even to frustrate me so much that we dont refinance at all so they can keep us on a higher interest rate. 

Today, more than 90 days after the start of the refinance, they are asking for new, not asked for before, information. Also they again, for the third time, want recent bank statements because they have delayed so long that they claim my previous ones are now out of date. 

I urge anyone looking for a mortgage loan to not deal with Flagstar Bank and go elsewhere.
Product: Credit card or prepaid card

XX/XX/XXXX. Received an email from USAA credit card that my credit limit has been decreased from {$16000.00} to {$2000.00} due to " extended account inactivity '' and an inaccurate XXXX  XXXX XXXX. I monitor my XXXX score and it is XXXX as of XX/XX/XXXX, USAA has reported it as XXXX have filed a dispute with USAA over inaccurate score. I have an exceptional payment history and a 24 year relationship with the company. Last balance carried with this card was XX/XX/XXXX. I find it unacceptable and very damaging to my credit history that such a drastic decrease in credit limit has occurred without counsel.Over a {$14000.00} decrease!!. I spoke with XXXX, USAA executive resolutions, who was inflexible, uncaring and arrogant. 
The credit card division of USAA fosters extremely poor customer relations. USAA membership is only open to service members and their families, my husband is a veteran. I believe they are mitigating loses and penalizing me for not using their credit card for 16 months, this at a time of great financial uncertainty due to the global pandemic. Do they support our service members and their families? The credit card division certainly DOES NOT
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account # XXXX ( ALL 3 ) XXXX/XXXX ( XXXX ) XXXX XXXX XXXX. XXXX, OH XXXX ( XXXX ) XXXX ( XXXX & XXXX ) XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX ( ALL 3 ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ( ALL 3 ) XXXX XXXX XXXX ( XXXX-one open-one closed ) XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX. IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

Capital one bank with account # XXXX. This account is currently closed due to missed payments, the creditor capital one who I have opened a credit line with sold my information without my consent to a debt collector name XXXX XXXX. I never give capital one permission to sold my information, my information should held private and confidential, this is a volition of the Fair Credit Reporting Act Privacy Act of 1974, as amended,5 U.S.C. 552a capital one has caused me and my family harm by selling my information without my consent to a debt collector which is reporting incorrect and inaccurate information to my credit report, multiple phone calls numerous times and for a debt that I don't owed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I have called on XXXX  different occasions about why these loan are showing negative on my credit report.. My students loans should not be showing negative. They are deffered and not defaulted or negative. I have called XXXX US dept of education and I was informed they they are not showing negative, but they are showing negative. 

XXXX. XXXX ( Date opened XX/XX/XXXX ) XXXX ( Date opened XX/XX/XXXX XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX )
Product: Checking or savings account

Capital one froze my account wrongfully because sba deposited XXXX dollars in my account they said i didn't have actual buisness. I applied under sole proprietary. I reached out to individuals at sba they helped me and walked me thru steps to get loan forgiven and it is .I have documents to show that the money capital one is holding is mine and I don't give them permission to hold and want it released at once they still have in there possession as of XX/XX/21. The credit institution which i got loan from is happy and im good standing and have reached out to lend me more money. I have documents for that .Now my buisness is llc which it wasnt mandatory for loan and I have documents to prove that also. Capital one wouldn't respond to my call or voicemail I reached out over 40 times i have proof of that also.My loan is forgiven by the sba i have documents to prove the money they are holding is mine and want it returned ASAP. Sincerely yours XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2021 - we purchased with XXXX XXXX. This purchase included an additional fee for expedited shipping ( XXXX  days ). 

On XX/XX/2021 - the day of expected delivery, nothing arrived. We attempted to contact the vendor a few times throughout the day but had no luck. Our final attempt of contact was through email, where we asked XXXX XXXX to cancel the order and refund the charge. Still no response. We purchased the same item through another vendor named XXXX XXXX XXXX and used the same card on this same day. 

On XX/XX/2021 - the shipment from XXXX XXXX arrived. 

We made multiple attempts to contact XXXX XXXX, and when they finally answered, they claimed the shipment was sent in error after cancelation. However, pool XXXX asked us to ship it back, so we did. 

On XX/XX/2021 - the item was sent back to the vendor through XXXX Tracking # XXXX. 

On XX/XX/2021, @ XXXX PM - The shipment arrived at the vendor. 

On XX/XX/2021 - I did not see a credit appear on my account as promised by the XXXX XXXX, so I contacted Barclays and filed a dispute. A credit was issued against the charge, and Barclays told me they would handle it. 

On XX/XX/2021 - I noticed a charge on my account for {$400.00} from XXXX XXXX dated XX/XX/2021. I contacted XXXX to find out what was going on. After speaking with a couple of people who gave differing stories, I asked to speak to a XXXX. I was told there was no XXXX available, so I asked to talk to someone in the XXXX, which was not an option either. I was told they would have to message a XXXX, and someone would get back to me. No one ever did. 

On XX/XX/2021 - I received a letter from XXXX stating they attempted to reach me on XX/XX/2021, and XX/XX/2021. These claims are false. I have no missed calls, nor did anyone leave a voicemail from these alleged calls. Additionally, there was an alleged statement from the vendor claiming they ( the vendor ) did not receive the returned item within the XXXX day return policy. We received the item on XX/XX/2021, and it was shipped back to the vendor XX/XX/2021, and received by them on XX/XX/2021. This is well within the XXXX day policy. Please see attached documentation. 

Would you mind helping fix it? 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX XXXX not XXXX XXXX told me to contact you guys after rerouting me 4 times. 
Im to purchase a home soon and this, along with other inquires are negatively impacting my credit XXXX XXXX XXXX XXXX XX/XX/year> Hard Inquiry Incorrect Information This company did not input the co-signers information in the initial hard inquiry, told me not to worry about it. Upon getting the report back, they noticed that it was only for 1 person. They then ran the credit two more times without advising that there would be 2 more inquiries, I was under the impression that it would only be one.

Im looking to remove these two immediate along with the second auto loan inquiry below. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX This was the second inquiry made instantaneously on the following day. 
Looking to remove immediately. 

XXXX Credit Card XX/XX/year> Glitch in system This inquiry was made accidentally upon reviewing the terms and conditions of the Already Approved Credit card. The approval was initially for XXXX XXXX XXXX but when I was reviewing the terms, the page auto loaded and was now in the XXXX XXXX XXXX section, which got finalized and I didnt never got to authorize anything. 
Looking to remove this as well immediately.
Product: Student loan

For the past month Ive been trying to pay for my student loans and each time it says it is processed and then comes back with a reversal! It is so frustrating and Im not sure why this keeps happening and every time I call there are long wait times and it says it will call me back and when it does or when it did it I was disconnected.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this complaint is in Direct reponse to the Equifax Data Breach my information was apart of. I have attached several documents including several of inaccurate reporting accounts. Please remove them immediately. For they are damaging my financial history.
Product: Credit reporting or other personal consumer reports

For the last XXXX  months, I have been trying to get Equifax to report XXXX different accounts correctly from XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX. I am currently applying for a mortgage and their inaccurate reporting is making the process difficult. The accounts in question were charged off back in XXXX and the Inaccurate reporting is showing all three as a recent missed payment when all three accounts were settled with the respective companies in XXXX. As the accounts are all listed as closed prior to being settled, it stands to reason that a late payment for settlement is inaccurate on the part of the CRB. I have asked Equifax to correct this both online and by phone to which the information has come back validated everytime. DoFD are XXXX, XXXX, and XXXX respectively. By inaccurately reporting, Equifax is in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently opened an account in my name in XXXX, Texas using my social. 

XXXX XXXX Acct # XXXX {$100.00} Address : XXXX XXXX XXXX XXXX. 
Unit # XXXX XXXX, TX XXXX This is not my account it is fraudulent.
Product: Mortgage

I have been working with Ocwen to get a loan modification was recently denied because they stated that they do not allow loan modifications while in active bankruptcy. I informed Ocwen that I was no longer in an active bankruptcy and the bankruptcy was discharged. I supplied them with all the documents and they still continued to deny me for the same reason. Now, they have decided to place a sale date on my account set for XX/XX/17. I dont want to lose my home and would like to continue working to get through a loan modification. I definitely do not want to lose my home. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to Equifax explaining that I am a victim of identity theft and the bankruptcy reporting on my credit file is not mine ; supplying evidence and documentation. However, Equifax responded that the information was verified as accurate through XXXX XXXX. I have had my information suppressed with XXXX however, Equifax refuses to remove this fraudulent account from my credit file in accordance with Section 605 B of the FCRA.
Product: Checking or savings account

My bank statement dated XX/XX/XXXX to XX/XX/XXXX is {$10.00} less than what my register says. My statements balance to the XXXX every month without fail. If there is a discrepancy, I work until I have found the error so that the statement balances. My statements balanced up until this one. I went over my numbers and calculations at least 4 times before deciding that the error is not on my end. I made an appointment with the bank to have them go over it with me. She looked at my statement and recalculated my numbers 3 times. She couldn't find an error so she decided the error must be somewhere in my past statements. She was totally unwilling to look into the bank 's end of the problem because there are no discrepancies in their statement and my register. So, I came home and dug out every register I have which amounts to app. 2 years. I went over every number all the way back 2 years even though I know for a fact that everything was balanced at the time it came in. Every number matched except for 1 which I apparently wrote down wrong. All of my calculations matched up perfectly with no errors on my part. Somewhere in the month between XXXX of XXXX and XXXX of XXXX, {$10.00} has vanished from my account. I don't know where it is or what happened to it and I have no way of checking to see if the bank made an error. They refuse to look into it because ( 1 ) their technology doesn't make mistakes and ( 2 ) it would be almost impossible for someone to take money from an account because they are so well supervised. I have no clue where the problem lies. What I do know is that I've lost {$10.00} which, I realize, is not a lot of money but on a XXXX fixed income, every penny counts. My only recourse now is to close out this account before I lose any more money.
Product: Checking or savings account

I received two checks for my tax return refunds. One was a check for XXXX and another for XXXX. The reason they both sent these two checks in XX/XX/XXXX was because these two tax years were amended in XX/XX/XXXX. I deposited the check for XXXX in my Fifth Third bank account via mobile banking on XX/XX/XXXX. I then went to deposit my XXXX refund check in person at the Fifth Third branch at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. That same day they completely locked my savings and checking accounts and card. I went in person to resolve this and they told me to show them my original and amended tax returns so they can verify. Since then there has been zero updates or change in the situation. I have no funds at all right now because that was also a bank account that I have my paychecks direct deposited to so I am completely stuck and they dont care.
Product: Mortgage

Hello, Our loan carrier ( Rushmore Loan Management ) has owned our loan since XXXX. The loan has been owned previously by multiple carrier 's before Rushmore. Since acquisition of the loan, Rushmore has not complied by the law that was put into effect in XXXX called the Garn-St Germain Act. 

Under this law, the mortgage company can not force the due-on-clause sale if a parent ( who's name was on the loan ) becomes deceased. The mortgage company must provide a chance for the heir 's to be able to pay the mortgage at the same payment the parent had, especially if there is a transfer-to-child execution in which the child is stated on the title has joint tenant. The mortgage company must automatically offer same payment without the need for assumption/loan modification, etc. 

Since acquisition, Rushmore has not executed the law of XXXX. They have not given us notice about acquiring the same payment without hassle of offers ( Loan modification, assumption, etc ). 

In the past, Rushmore has explained that in order to get back on track, we would have to put down $ XXXX with payments close to {$7000.00} which is completely absurd. As well, our last statement sent to us stated the acceleration amount close to {$400000.00}. The original payment was around {$2300.00} a month. 

Recently, we filled out a loan modification to adhere to their standards and for the sake of the estate and trying to save our mother 's home. But, we are trying to understand why we have not been offered the original payment as stated by law since acquisition. 

Even the CFPB stated that the mortgage company can not pursue due-on-clause after parent 's death. In XXXX, the CFPB stated the interpretive rule.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated XXXX XXXX XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX  GAXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$110.00} 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  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$7900.00} Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XX/XX/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 Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX