23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a VA loan with XXXX and was issued a prequalification letter. I contacted my realtor and went under contract for a house on XX/XX/XXXX.  I was currently in a rental and had to be out byXX/XX/XXXX so that the owners could put the house on the market. We asked for buyer possession and we along with my realtor kept asking was everything moving smoothly with the loan along the way and we were told yes. Everything they asked me or my realtor for they received immediately.   My realtor contacted XXXX XXXX on XX/XX/XXXX because we were scheduled to take possession on the XXXX and she was told that it was in underwriting and we should here something that day or the following day.  I then called and spoke to XXXX XXXX and was told everything was moving smoothly and we should not have any problems.  I still didn't feel comfortable so I still waited to the following week to start moving items in the house and had my movers scheduled to come on Friday XX/XX/XXXX with my bigger items. My realtor contacted them again on XX/XX/XXXX because no one has yet to confirm that we had final loan approval  and were scheduled to close in a few days on the XX/XX/XXXX and XXXX emailed her back and said my file was still in underwriting and we should have final loan approval today.  I then called him later that day to check on the status and I was told that the underwriter did not feel comfortable approving my loan so it was denied.  Imagine my shock because now I am homeless and do not know  what we are going to do.  My realtor gave me the number to 2 local mortgage companies to see if they could help and they both said just solely based on pulling my credit that I should have never been issued a pre-qualification letter. I feel like this company mislead me and had me spend thousands of dollars on moving and inspection expenses by leading me to believe I was qualified to purchase a home.  I am a military veteran that served  this country and this is the thanks that I get? If they would have been honest with me, I would have just found another rental and fixed me credit and purchased when I was qualified.  We have all emails and my realtor also have email transactions from them as well as proof. They left me homeless and ruined my life and will not return any of my calls or calls from my realtor to try to fix the mess that they made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes, and requested multiple times VALIDATION of this bankruptcy reporting on credit report that it belongs to me but they failed to provide me the proper documentation except " verified ''. I have called the different numbers listed on my credit report from all 3 credit bureaus for FL FED Bk CT-XXXX which are XXXX on XXXX, and XXXX on XXXX and Experian but yet all these numbers are disconnected or not in service. I fear that this bankruptcy is being reported wrongly on my credit report and since they are unable to properly VALIDATE THIS INFORMATION WITH THE CORRECT SIGNATURE AND PERSONAL INFO, I am requesting an immediate removal of thisbankruptcy from my credit reports in all 3 credit bureaus as it is negatively big time affecting my credit score.
Product: Mortgage

I have tried to work with Truist Mortgage for the past 3 years to get current and apply for a modification or repayment plan. I believe they are treating me unfairly and they do not want to assist me with keeping my home and I have been going back-and-forth with him about the tax liens. They said the title has to be clear but the tax liens are from a payroll business debt not personally but that shouldnt matter but i wanted to apply for a repayment plan and/or modification. Im not trying to refinance the home and they keep saying that the title needs to be clear but looking at research and other mortgage companies they dont really worry about that because they already first on the title. But theyre already first on the title, but I understand Tax Lien supersede any debt on the property, but I also offered and turned in the paperwork for a subordination agreement for the tax liens and they would not proceed with any assistance. when it comes to that issue when trying to refinance or modification, I dont think theyre being that reasonable with me and I think they keep telling me no because they just do not want to provide me with mortgage assistance. And, they want to sell my property and get the money because there is equity in the property. I need to get some assistance for the mortgage an keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX  are unfairly setting my credit scores. In the month of XX/XX/XXXX, my credit score dropped ~30 points down to a XXXX due to an incorrect late pay reported by my mortgage company ( XXXX XXXX ). I got this corrected and saw no adjustment in my credit score. My credit just dropped another ~30 points because my credit balance increased ~400. I believe XXXX is displaying unfair practices.
Product: Credit reporting or other personal consumer reports

My credit report includes a fraud alert indicating that I am a victim of identity theft ( Exteded Fraud Alert under FCRA Section 605A ). Any applications in my name should be verified with me directly. Section 605A ( 15 U.S.C.1681i ) : Provides consumers the right to dispute information on their credit reports and mandates the credit bureau to investigate and correct or remove any inaccurate, incomplete, or unverifiable information. Section 605A ( 15 U.S.C.1681i ) : Entitles consumers to place a fraud alert on their credit reports and requires creditors to verify the identity of the consumer before extending credit 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
Product: Mortgage

I got this mortgage from XXXX and I never missed a payment, Lately I have been sending big amounts towards the principal with the last payment of XXXX dollars on XX/XX/XXXX. After the last payment, my balance ( which I follow very closely ) was XXXX, but when I tried to make the payment, the website ( XXXX ) did not allow me to do so and wanted to charge me the previous monthly payment of XXXX dollars. I tried calling them several times and there was always a problem with the comminication, there were always busy and the waiting time was too long and they always told me to call later, I emailed them more then 15 times and I only got the same message saying " someone will call you soon " but they never did. then I try to pay on the website the whole previous amount since I did not want them to say later that I did not pay on time ( why would I do that when I never missed a payment? why would I do that on XXXX dollars when I paid XXXX dollars in principal payments this past year alone?, ridiculous!!! ), the website did not allow me to do the payment, so I tried fast Pay in which I was enrolled on their website and also did not allow me to do so, so I sent a check to Lakeview Loan services LLC since thet is the address in Pa where the payments by check can be sent, this was done 4 days ago ( before the payment was due, which is on XX/XX/XXXX ) and they never credited me for the last payment. Today I called the call center and I explained the situation and the person there said " you owe XXXX????? ) I said no, look on the website and you can see where it says " your remaining balance is XXXX dollars, but she did not want to hear what I was explaining. so tomorrow is the deadline, they are not answering my emails or phone calls and they will argue that I did not pay on time, I will file a complaint with the Banking comission against Lakeview and XXXX too.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account with, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions and I would like a copy of original with my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In 2013, I moved from XXXX  to XXXX XXXX after finishing my University. I obtained my SSN while working on campus as an XXXX XXXX XXXX XXXX 

Currently, I am in the process of applying for the XXXX bar exam and they requested that I submit my current credit report. I was unable to request my free credit report on the website since I am residing abroad and have no current address in the US. Is there any way I can receive my current credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank stated to C.F.P.B.the bank noticed all credit bureaus to update or remove the account.all but XXXX  on XXXX reported to me by my credit report that the account ending # XXXX and # XXXX by comenity XXXX XXXX and XXXX XXXX is reporting as a due debt.with the old federal forgiven background on them and with two new account numbers on them XXXX XXXX XXXX XXXX with a charge off balance of $ XXXX XXXX XXXX XXXX XXXX  with a charge off balance of {$410.00} -default accounts reporting only on experian the proof of the accounts is sent by certified mail as of today, by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX used my information and applied for a personal loan ( {$730.00} with interest, loan- {$650.00} ) to XXXX XXXX XXXX my consent. XXXX XXXX approved the loan without my consent or any additional verification. XXXX XXXX reported my account to Experian and my XXXX score has significantly affected due to this wrong doing. Further, XXXX XXXX had sold my account to collection agency, XXXX for the recovery. I am requesting here to take strict actions agains XXXX XXXX XXXX to use my information and applying for the loan without my consent and against XXXX XXXX who approved the loan to XXXX XXXX, without any additional verification. Because of this wrong doing, My FICO score has significantly affected and hence, affecting it in my personal and professional life in several ways. I have also filed Identity Theft report. I also filed a dispute with Experian XXXX XXXX XXXX wrong doing. To your knowledge, I have never used any kind of services or products either from XXXX XXXX or XXXX XXXX XXXX with the given loan. Further, I have never signed any documents to approve this loan amount to XXXX XXXX XXXX.
Product: Student loan

I ask that the CFPB compel AES the servicer to respond to my XX/XX/XXXX feedback from my initial CFPB complaint # XXXX. 

And today I report two separate events that have occurred since the initial complaint. These events demonstrate the servicers continued pattern & practice of : XXXX XXXX XXXX XXXX XXXX loan modification terms that are in the servicers economic benefitnot the borrowers Modifying loan terms without borrower consent. 
Servicer disregarding borrower instruction then using their discretion to modify the loan terms. 

1. In XXXX of XXXX there was a presidential order pausing student loan repayments. AES the servicer contacted me making me aware of this option. At that time I was working and continued to pay my monthly obligation. Then I became unemployed in XX/XX/XXXX. At that point I contacted AES via phone call informing them that I was now unemployed and would not be paying utilizing the presidential order. They accepted my communication, and my payments were paused. I discovered more than a year afterwards that they place the loan in a Unemployment Forbearance instead?!?!?! 

2. This Unemployment forbearance was to end in XX/XX/XXXX. That fall I was required to reapply for the annual XXXX XXXX payment recalculation which was completed timely and correctly. I learn after the XXXX deadline that they did not underwrite my file. This accelerated the payment amount to be {$1700.00} for the XXXX XXXX monthly payment. On a phone call in XX/XX/XXXX, I corrected them ( which had no material differences from my initial submission ) so they could complete the processing of my XXXX application. They did process my paperwork and adjusted my XXXX to a new 2022 monthly payment of {$390.00}. At that moment AES was requiring me to pay the XX/XX/XXXX {$1700.00} payment. I spoke with an AES client services manager to correct the XXXX payment to be the corrected XXXX payment of {$390.00} vs the {$1700.00} amount. That manager responded that he would call back with a resolution. I received no calls or communication until late XX/XX/XXXX when I called in to AES. Then I learned that my XXXX payment was added to the outstanding principal via an Administrative Forbearance which added that XXXX payment to outstanding principle Additional thoughts Why am I not being disclosed nor required to consent to their terms? E-Signature technology is commonplace and should be utilized for all correspondence with the servicer. To this point I contend that their disclosure does not meet legal requirements and should void the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous items listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.
Product: Prepaid card

Unable to use Amex Gift card at any location or online store. Even locations that claim to accept Amex have declined purchases. Needing access to the {$150.00} on card balance. 

Can not use the card anywhere and have waisted countless hours and stores time with declining purchase issues. 

This has costed me more in the long run as Im forced to cover the cost when I should be able to use this card!
Product: Credit card or prepaid card

this complain is for the collection practices regarding the in store card for XXXX XXXX via Comenity Bank. This month i was XXXX week last paying my card - i had a health issue but that is neither here nor there. on day XXXX that i was late ( btw first time i was late ) Comenity started calling me every hour on the hour starting at XXXX pst and usually ending around XXXX - they have XXXX different numbers they are using and then a restricted XXXX which they think apparently gives them carte blanche for phone harassment since i can not identify the number but i know it is them - along with their other numbers they call on the hour - every hour - every day Monday thru Sunday. - last time i checked this was phone harassment - they leave no message and now have also started texting me - again i was XXXX WEEK LATE and as soon as i got my next paycheck i scheduled the payment. i have all the calls on my phone and think this is ridiculous. a few years ago i was late by a few months with my XXXX XXXX XXXX and they called me twice during that whole time. every hour on the hour is harassment and i want to file a compliant they ca n't do!
Product: Credit reporting or other personal consumer reports

SEE ATTACHED : VERIFCATION DOCS I am completely distraught about what has been happening to me over the last 120 days. Under the Fair Credit Reporting Act, I have a right as a consumer to fairness and accuracy of my personal information on my report. Not only have I not been able to access my credit file, but I also fear that my credit file containing my sensitive personal information is being misused without my consent. I have tirelessly contacted XXXX, Experian, and XXXX about my inability to access my consumer report. This has led to denials for new bank accounts due to verification issues, and also denials of credit extension. After all my efforts, these consumer reporting agencies continue to willfully neglect helping me. I feel like I am being played around with. This is nothing short of negligent willful noncompliance. Please help regulate this matter. I am a business owner currently traveling and helping my clients and I am also a good consumer. I should not have suffer emotional and financial damages from this situation. Thank you for your time and help. I look forward to fast feedback and a quick and efficient solution.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> someone fraudulently applied for credit through ( XXXXXXXX XXXX XXXX ) I called ( XXXX XXXX  ) corporate and they said they do not have the inquiry in their database.however ( XXXX XXXX ) won't remove the fraudulent hard inquiry for credit application. Also I have an similar issue where someone fraudulently applied for a auto loan through ( XXXX XXXX ) without my knowledge or permission I reached out to the company to no avail, it's been over 60 days with no debt validation from either.
Product: Mortgage

On XX/XX/XXXX XXXX sent an electronic check in the amount of {$930.00} to Wells Fargo in my behalf toward a home mortgage. 
On XX/XX/XXXX the {$930.00} was refunded to my bank account I was contacted mid XXXX by Wells Fargo stating that I had not payed my mortgage and that their system had changed. They would no longer be accepting the E-Checks and I would have to resubmit paper checks to a new address for mortgage payments. 

On XX/XX/XXXX I notified XXXX of the changes and resubmitted two paper checks ( both ) in the amount of {$930.00}. 

I was contacted mid XXXX by Wells Fargo stating that they had not received my mortgage payments and that I was now three months behind. XXXX XXXX XXXX were notified and got in contact with me recommending that I place a stop payment on the checks that " they did not receive '' and make new payments. 

On XX/XX/XXXX XXXX provided me with printed copies of the paper checks signed and payee endorsed by Wells Fargo on XXXX XXXX XXXX and told me that they could no longer place a stop payment on these checks. 

On XX/XX/XXXX After weeks of futile talks with Wells Fargo Reps on the location of my money I sent a fax ( upon their request ) of the copies of the endorsed paper checks. 

On XX/XX/XXXX I made a follow up phone call to see if they had received the fax. I was told that they were investigating the case and that no further information could be given pending completion of send investigation. They estimated completion by XX/XX/XXXX. 

On XX/XX/XXXX Still having not heard from Wells Fargo, I made a follow up call and was given an e-mail address to one of the " investigators '' and told to send him an email detailing what was going on. I am currently waiting for a response ...
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX  XXXX time, I spoke with MrXXXX XXXX XXXX after finding out that I had a debt collection on my credit report. I wasn't notified about this issue via email, mail, or anything. I then reached out to find out what is going on, and why I was not notified by Portfolio Recovery to prevent this from reaching my credit report. They confirmed they sent it to an address of XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I advised them that was not an address I have lived at since XXXX. They then said, " Well, we have a XXXX XXXX XXXX XXXX, AZ XXXX on file ''. I advised them that I never received that whatsoever. ( On XX/XX/XXXX, I reached out to the Postmaster to get a copy of all the mail I have received for 1-year. Portfolio Recovery is nowhere on the mail report showing them ever sending me a letter. ) I proceeded with a friendly conversation to ask them how can we get this handled right away and get it removed. They neglected to say anything, so I then threw it out, " What if I pay you in full right now? Can we get it resolved? '' They responded, if you pay it today, we will update the credit report to reflect a XXXX balance immediately. I asked them if they verified this information before they posted it to my credit report. They said they didn't have to as of yet because it wasn't requested. They then said, After the payment has been posted for 30 days it would be removed. I asked for that in writing before I pay the bill, they refused to do so until I paid. So, I paid the bill to prevent myself from being homeless because their line of credit is what is preventing me from buying or renting a home. I am attaching the letters that were sent to me and the information. I would like Portfolio Recovery to be Shutdown due to this exact issue. For being deceptive, misinforming, and not providing required notification prior to all this occurring. 

On XX/XX/XXXX, I reached out to Portfolio Recovery to address this issue and they refused to do anything and said, " I have no knowledge of this phone call and I will document your call and that's all I can do! '' I spoke to a Mr. XXXX XXXX. After that, I became XXXX. This company has lied, posted inaccurate information to my credit report, and never properly notified me of the issue to prevent it from getting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts several times now and it's been almost a year since I stated these accounts are incorrect, erroneous, and invalid.Even the Account number is inaccurate and incomplete for the XXXX account. I also requested documentary evidence from the credit reporting agencies showing me proof that I owe this debt with the account number that's been reporting and everything is completely inaccurate and what's being reported isn't my account this inacurrate account isn't mine and I proven that as clear as day also provided support documents and XXXX XXXX XXXX, XXXX, XXXX, and Transunion have been subject to disregarding the Fair Credit reporting Act FCRA also fair and accurate credit transactions Act and 15 USC 1681eb- Compliant Procedures and all the credit reporting agencies I listed have been incompliance disregarding federal laws.Infact I was a victim from XXXX XXXX XXXX when they were unlawfully given out subprime autol loans with ridiculous high interest rate with high monthly payments and loan terms with an XXXX credit score with XXXX monthly payment for a XXXX vehicle and I actually called them when they had the class action suit but they lied and said I were wrong when I met all criteria of their unlawful actions but of course I was told this from XXXX XXXX attorney also there's 4 accounts with the same inaccurate numbers and also incomplete on my credit file for XXXX reported by Transunion another inaccurate reporting is the XXXX XXXX XXXX account and that's been paid of years ago and I were never late also paid early or promptly on time and paid it off completely. So Have that account corrected as never late and paid as agreed and always on time or you can delete that as well.