23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

So I was sitting down minding my business and my account has gotten charged twice. It charged me for a hotel stay. I was staying at this hotel for the night and the total for the stay was {$120.00} and it double charged me again and made my account go to {$250.00} which threw me to negative {$120.00}. So I need my now or I need to see a process where my is being processed to my account.
Product: Mortgage

When we applied for a refinance and or a loan modification with Selene Finance, we were told Selene does not do refinances and we were denied 3 times for a loan modification till we approached CFPB. We were then approved for a loan modification. We had asked for a principal reduction and a lower rate of interest or a prepayment waiver. We were denied all 3 requests. By denying us all 3 requests, Selene is putting us in a position to fail as the payments are very high and we are locked into their system for 3 years. I have spoken to XXXX XXXX XXXX who I believe is a manager and at the time of the loan modification, he suggested to take the loan modification and then to refinance with another company as Selene does not do refinances. I addressed the prepayment penalty at that time and he said when you are close to getting a refinance ( which we are at this point ), to make the prepayment request to him. I have left 3 messages for XXXX XXXX with no response and this morning was told by XXXX that the waiver was denied. This is putting us in a very difficult situation. 
We would like for CFPB to please mediate on our behalf to either do a principal and rate reduction or to get our prepayment penalty waived. 
As we both our unemployed and can not find higher paying jobs, we need the help to reduce our monthly PITI payments to closer to {XXXX} per month. If Selene can not do so, they can release us and let us refinance with another mortgage company by waiving the prepayment penalty. Any assistance in this matter is appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXXXXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary ATTENTION : XXXX has notified XXXX XXXX XXXX to cease and desist all collection efforts against Mr. XXXX. PLEASE REMOVE THIS ITEM FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

hippa and cra violation of my rights XXXX XXXX XXXX XXXX not mine sent police report no knowledge of account police report was sent to XXXX and equifax
Product: Credit card or prepaid card

I see repetitive 30 days late marks on my report, I was never late on this account and I've tried many times to contact with the creditor but they never responded with my concern.
Product: Mortgage

I contacted my mortgage company Loancare regarding removing PMI and they are saying it can not be removed until 5 years. I closed on mortgage XX/XX/XXXX, so we are at the 5 year point but now they are saying it has to be done when I make my XX/XX/XXXX payment, which was done on XX/XX/XXXX, but say still can not be removed yet. I requested a payoff statement because I would rather just pay mortgage off to not be ripped off anymore and they stated " that function is not available '' hence not giving me final payoff amount which of course will continue to accrue interest until they figure out how to do it. On top of that I got a current escrow review statement and they are raising my monthly payment to put more money into escrow which of course includes the PMI which is due to be removed.
Product: Credit reporting or other personal consumer reports

Date for compliant is XX/XX/year> ; Bank of America reports that fraud was done with my name. I am not aware of any fraud done in my name during XXXX. The information that is being reported is incorrect. 

According to FCRA Section 605B, it is illegal to report any info on my credit report without my permission. 

I am requesting to have this taken off my credit report. This information on the early warning system report is false.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I checked my credit report, and it shows that the credit reporting agencies still have not removed all the personal names that do not belong to me. In accordance with the Fair Credit Reporting Act, the list of names below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681i ( 5 ) ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall... 
( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

( B ) ( i ) Certification of accuracy of information : If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

I have on numerous times requested that the credit reporting agencies remove those personal names that do not belong to me. I still see them on there and I also sent them a copy of my driver 's license.
Product: Credit card or prepaid card

I was contacted my a XXXX agent in the beginning of XX/XX/2022 stating that my personal information had been stolen and used to open countless credit cards. with charges racked up on XXXX ( was contacted by them too ). I have a Federal Trade Commission agent and number that was giving to me. I wasnt sure if it was authenthic or fraudulent also. I was then contacted again mid XXXX 2022 about more credit cards being found in my name at the border of XXXX and Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's my understanding that I may get weekly credit reports using XXXX. Otherwise, XXXX, Experian, and XXXX will only update once a month, if I'm lucky. I know that several items have been removed from my report and/or disputes have been resolved. I do not know, however, what the results of these disputes are nor have my online credit reports changed at all from XX/XX/2020. When I try to get these reports via internet or by phone, all 3 agencies are now stating that they can not give me this information. XXXX, the worst of all, claims that they have no such person in their database matching my name, SS #, and address. They are just lying. I was found quickly enough last year when I was found to be a member of the Class Action that was filed against XXXX  for the release of my information. XXXX XXXX 's excuse is that since I have an ongoing dispute, I can't see my credit report, including, but not limited to, the results of prior disputes filed. I have been very aggressive in going after these fictitious accounts lately, after spending the past few years having my XXXX XXXX and trying to recover. I believe during this period of time is when all this false information was added to my reports. The credit agencies seem to suddenly be either ignoring me or trying to avoid me. Neither will work.
Product: Student loan

Navient has closed the following XXXX, XXXX, XXXX, XXXX, & XXXX. Navient illegally and unethically charged subprime interest rates on Private Student Loans, Collected on Private Student Loans after bankruptcy XXXX  XXXX entered in XX/XX/2015 and Discharged on XX/XX/2015. They lied about forbearance and also about removal of US Veteran co-signer. They said I had to pay on these Private Student Loans even after XXXX  XXXX. I opened complaints with the XXXX, Fl. Atty General, and PA attorney general, about what the CFPB has ordered Navient to do per the following : " CFPB examiners have apparently uncovered that certain loan servicers have been unlawfully sending discharged loans back to collections after bankruptcy courts had discharged them. The CFPB is directing these loan servicers to return any payments that were illegally collected from consumers and immediately stop using these illegal collection tactics '' I paid on the 2 loans exorbitant interest rates and would never see the end of the loans because Navient continued to adjust the subprime rates on the 2 Private Loans, seeing no end in sight to these Private Student Loans, and after my 3 year bought with XXXX and procedures, I had to enter into XXXX  XXXX hoping to get a fresh start, yet these people continued to call and pressure me while I was trying to recover from my procedures and financially after XXXX  XXXX. They close the complaints without even looking at these deeming these Duplicates. As per the CFPB order NAVIENT must return any payments that were collected after XXXX  XXXX Discharge. I am once again attaching evidence of their subprime interest on these loans whose origination amount were nothing compared to the interest and fees they placed on these loans. Navient as per the CFPB needs to return all funds collected post Bankruptcy filing. 


Once again I am attaching all documentation on the 7th complaint I make on this. This was also referred to the XXXX, the Attorney General for PA and FL, and sent to those in process of the pending class action. Navient collected these funds illegally and closing this as duplicate without a resolution is unethical and illegal since they owe me these monies.
Product: Mortgage

On XX/XX/XXXX the mortgage company citizens bank, payed me XXXX dollars for excess funds in my escrow account. I never received the check. I called back 6 times, about 1 time a month, asking for the check because I never received it. They say it shows the check has not been cashed and they will resend. However every time I call back they say an error happened and they will do it again. 

Ive been waiting for my money since XX/XX/2022 and havent received it. I closed my account with them due to a refi of my mortgage. Im nervous I wont recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, Experian, XXXX and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and Experian, XXXX  and XXXX  correct and remove this inaccurate info from my credit report. 

6. The Balance is outrageous!! {$16000.00} for 1 months rent?? This is insane!!
Product: Debt collection

What best describes my issue is that this company continues to report an account to my credit report that they no longer hold or have any rights to collect on. ( {$250.00} XXXX of XXXX ) They have stated that the account is not in their hands and they have no control over what happens to an account once it is no longer in their hands. Yet they continue to report the debt on my report as if they are the current creditor. If what they are saying is true ( as referenced in complaint/case number XXXX ) then why are they still listing themselves as the creditor and reporting to the bureaus. Also, the letter I received from the so-called new company, XXXX XXXX XXXX XXXX looks awfully identical to letters that Escallate uses. I found out from a government agency that EscallateXXXX are either affiliated/sister collection agencies or are the exact same agency using different names and possibly switch between each other to trick the consumer into thinking the debt is now with a new/different company. This complaint is specifically directed at Escallate. I have also contacted the Original Creditor and was told the account is still with Escallate, which again confirms deceptive representation and collection practices. So, I am requesting Escallate provide the date the account for {$250.00} was removed from them. The date and any additional info regarding when this debt was transferred or sold or otherwise removed from their care and when they no longer became the Creditor for this account that they state is out of their hands ( again refer to response in case # XXXX ).
Product: Mortgage

When I applied for my first time homebuyer program I was shopping around. Movement Mortgage told me they would like to try to match the rate I was being offered by XXXX XXXX. The rate was XXXX XXXX. Movement advised that if I paid roughly {$600.00} I could get the 6.5 %. I agreed to pay that. My initial XXXX XXXX showed XXXX XXXX ; however, I noticed the rate wasnt locked. I called my mortgage rep and was told that Movement was watching the rates as they expected them to drop but that I would absolutely get the XXXX XXXX A week later I had not heard anything and again advised that I wanted the rate locked to ensure it would not rise above the XXXX XXXX. I was again told not to worry as I would be getting that rate. On XX/XX/XXXX I received a call from my mortgage rep stating that the rates had gone up and my rate would now be XXXX XXXX and that she needed to lock me in immediately. I was very upset. I reminded her I was promised that I would get the XXXX  and twice asked that my rate be locked and was told not to worry. I again asked why my rate wasnt locked when I had twice previously requested it. She said Movement was watching the rates so they wouldnt have as much of a cost. She apologized and said that if I wanted to pay {$3400.00} then Movement could get my rate back down to 6.5 %. I was within XXXX weeks of my closing, which occurred on XX/XX/XXXX. I had no way to negotiate or fight with them over this because it would have delayed my closing and I wouldve lost the house and my XXXX money deposit of {$3000.00} because there was already a signed Purchase and Sale. The rate lock was also set to expire and it couldve went even higher than the XXXX XXXX I was completely pressured to lock in at the higher rate. They waived the fee to be at the rate that I closed at but it was not the rate I was repeatedly promised and that was initially disclosed. I feel this was a complete bait and switch and completely abusive and deceptive. I repeatedly asked for my rate to be locked. They skirted around it every time telling me they were watching rates but that I would absolutely get the XXXX XXXX. When I received the call on XX/XX/XXXX the mortgage rep also told me she had to call several other clients about the same issue so Im sure others had unexpected rate hikes. This company needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered that GM Financial had been re-inserted into my XXXX  credit file. They are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Also I have recently disputed AGAIN on the other credit files XX/XX/XXXX, that the balance being reported is incorrect, instead of fixing the balance gm has reported 7 late payments and balance is the same as it was 1 year ago. We have gotten a deferment on the auto loan, paid the interest on the loan, and payment was never deferred. Ive been disputing with them for over a year now and they still have not corrected the problem, and they are not allowed to re-insert without notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over this past weekend, XX/XX/2020, I received an email alert stating that my credit report dropped XXXX points! Obviously, this will get anyones attention for concern so I immediately logged in to all of my credit report accounts to do my research. I recently opened disputes for errors on addresses that were not mine and old inaccurate data. 

I was in the process of getting financial funding for my startup, so the past year I have been focused on paying off all my debt with an exception of my large installment loans such as my XXXX car payments and student loans which are all in good standing, as well as I did pay down all my credit balances and am now at credit to debt ratio of 16 %. 

I have called the the 3 credit bureaus and they all couldn't figure out why my score dropped XXXX points. They saw that my credit to debt ratio was low, have paid off my charge off accounts from when I hit hard times a few years ago due to a move, and all my accounts have been on time and up to date the past couple of years. 

They even mentioned, even though there were old delinquent accounts that haven't fallen off, they have been paid in full, as well as had still been on my report prior to the XXXX point drop. 

No one could figure out why as well as didn't have any solutions because they haven't seen this, so here I am trying to fix the problem and get my newest score back of XXXX that I have worked so hard to get to, as well as complete my next step for my startup funding that was about to get approved until this drastic Change. 

Please Help me resolve this as well as with all 3 bureaus who couldn't figure out why it happened. I really appreciate your time. 

Stay safe.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I had a car loan through XXXX XXXX. 3 months after I bought the car, my car was parked in front of my home and was hit by an intoxicated driver, which flipped my car into my neighbors yard, and my car was totaled. The driver took off running before the sheriffs arrived. I had full coverage car insurance through XXXX. My accident was in XX/XX/year>. XXXX paid off the vehicle loan and confirms XXXX XXXX cashed the check from XXXX in XX/XX/year>, the day after they received it. XXXX XXXX states on my credit report I missed XXXX payments after that, however, there were no payments to be made, as the debt had been completely paid for. They were going to continue until I had bought a different car and because my credit score was affected by the lie from Regional Acceptance, the dealership was going back and forth between Progressive and Regional Acceptance, which then Regional Acceptance finally stopped adding months of nonpayment to my credit score. I believe this is fraud and is still negatively affecting my credit, when my payments were in good standing. I was not late 3 months.
Product: Checking or savings account

In XX/XX/2019, my savings account was froze due to deposits and the bank wanted to know why I'm withdrawing my own funds from my account. The bank spoke to my relative about the deposit and she confirmed however the bank have yet to release my funds that are in the account. It's about to be 7 months and this bank have not informed me that they will close the account and mail me a check for my remaining funds.
Product: Student loan

I recently requested a copy of my credit report. I noticed false late payments on my account from Wells Fargo. XXXX in XXXX 2015 for a 60 day late payment and afew other 30 day late payments. And as much as Wells Fargo likes to call and send letters mysleff nor my cosigner never received notice of a delinquent account. I called to have these late payments resolved in the beginning of XXXX 2015. The man I spoke with admitted the 60 day late payment was put on my account by mistake. He said a letter would be sent out to notify it had been fixed. I never received a letter and when I called to check back they said my dispute was denied. I have my current bank records pulled ready to support my on time payments as well as the words of the customer service associate I spoke with confirming Wells Fargo indeed made a mistake on my account.