23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

both XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX ; Midland funding LLc continue to send me letters to collect a 3rd party debt, after I wrote to them informing them that I do not deal with 3rd party debtors or their attorneys. XXXX XXXX keeps putting the address of the local courthouse on their communications, to imply some threat of legal action or debtors prison. attorney XXXX XXXX XXXX State bar # XXXX is the XXXX or XXXX lawyer from XXXX to contact me about the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Mortgage Amount : {$53000.00} XXXX Personal Credit Line : {$60000.00} When spouses divorce, and the one spouse is supposed to refinance, and deliberately fails to do so, the mortgage lenders have the discretion to honor the divorce decree or not by removing the non-responsible party from the Mortgage & Home Personal Credit line. 

However, if they choose not to, they don't offer any alternative solutions to the spouse who, by a legal divorce decree, isn't responsible for the loan, which also states that states no party is permitted to continue extending credit to either party using both names. Credit can only continue being extending in their own names. 

They merely suggest court and contempt of court charges which actually leaves little to no recourse for the divorced spouse to actually force a resolution, as sending someone to jail for contempt doesn't actually solve the problem, particularly when the other parties intention is solely to harm the other party, in any and all ways that they can. 

Not only is this financial abuse from the ex-partner, the mortgage company is facilitating it, when they dont follow their own procedures by foreclosing on the property when this ex-partner continues to not pay. 

While obviously NOT ideal, a foreclosure would at least provide the non-responsible spouse an actual end to the financial abuse that the bank is facilitating by failing to honor the divorce decree. 

Mortgage companies should be required to stipulate who is responsible for the mortgage & any Home Credit lInes in event of divorce and remove the other party from the loan after a divorce at the time of the signing. They should allow for amendments to be made if something changes too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank is reporting a 30-day late payment on my credit report for the month of XX/XX/2022 despite on time payments. I previously submitted a dispute directly with the creditor. I received a message saying the information is accurate despite not providing any documentation that this account was indeed 30-days past due. This error has resulted in my credit score dropping XXXX XXXX  and has prevented me from being able to obtain a mortgage. Upon trying to resolve this issue with Comenity Bank I spoke to representatives in addition to writing a dispute letter to ensure this issue would get corrected. Comenity Bank has not cooperated in removing inaccuracies from my credit report. My rights as a consumer have been violated per FCRA 609/611.
Product: Credit card or prepaid card

At XX/XX/2018 I purchased an item from XXXX store for {$39.00}. Counter clerk said payment with XXXX credit card has been declined so I used XXXX XXXX XXXX card. Few days later I returned an item to the store and got my refund into XXXX XXXX XXXX account at XX/XX/2018. 
Unfortunately some time later I got a call form XXXX Customer Service noticing me that late payment fee will be charged if I will not pay my balance from XXXX credit card. I disagreed to do that and went to XXXX XXXX store for explanation. The only help I could get there was a phone call to XXXX customer service. They remove late fee penalty but never take back item price from my balance even I was asking for that. 
Since that I had two another similar calls with XXXX XXXX Customer Service, every time they are removing the late fee but not item charged price. Recently I got on paper XXXX Account statement showing on my balance price of never purchased item with this card and multiplied fees for late payment. Of course my credit score has been also harm b/c of this situation.
Product: Checking or savings account

I closed my checking account with BMO Harris and didnt realize that did not automatically disconnect my XXXX account. 

On XX/XX/XXXX, a deposit in the amount of {$2000.00} was sent to me via XXXX XXXX still connect to the closed BMO checking account. 

Realizing this immediately, I called BMO and was told since the account is closed it would automatically be refunded to the sender within 3 business days. 

XXXX XX/XX/XXXX, I received a from BMO thats stated they successfully deposited the XXXX payment to my account. 

The account was closed and I logged it to see it was still at a {$0.00} balance. Given 3 business day passed I called again to speak with someone and was told they BMO had no history or records of any transaction even though I had an email from them stating otherwise. 

They advised me to have the sender file a claim with their bank. The sender did as instructed. The claim was denied to BMO stating they had deposited the funds as instructed. 

I called again and was told the same thing that the money was probably in limbo somewhere as they have no idea where the funds are and somehow have no record of the transaction. They told me to file a claim with the sender. Again I stated they had sent me an email stating they received the payment and now are saying they didnt. 

It is now XX/XX/XXXX and I still have not received the payment nor has it been been retired to the sender. BMO Harris is illegally holding funds and not releasing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ( points before ) XXXX ( Points after ) XXXX ( Amount taken out ) 38 pts  We found 1 change to your XXXX credit report. 
Accounts Removed XXXX XXXX XXXX/XXXX XXXX Account Removed From Report I have no had a student loan for over 5 years and this was paid off. This has came out of my account more then 4 times and has greatly impacted my score. i have worked 2 solid years working to rebuild my credit however this dep of education has been removed 3 seperate occasions and dropped my score over 70 points. This needs to be resolved ASAP
Product: Mortgage

Every year I provide PENFED with a certificate or " Proof of Insurance '' to prove to PENFED that the Condominium complies with the insurance requirements to include Flood Insurance. I provided PENFED with the proof of insurance certificate and spoke with customer service on several occasions to ensure I was in compliance. Notwithstanding, I received a notification from PENFED that funds were withdrawn without my authorization to pay for an insurance policy selected by PENFED for my property even though I already had XXXX and had provided this information repeatedly to PENFED. I have spoken with a customer service agent named " XXXX '' at XXXX XXXX XXXX XXXX, ext XXXX regarding this matter. She advised that until an escrow analysis is completed, that I should continue making the additional {$630.00} in monthly payments ( in addition to the $ 428 monthly mortgage payments ). I would like PENFED to refund this funds to me and to stop these abusive practices which unfortunately occur on a yearly basis. I did not authorize PENFED otr anyone else to withdraw funds from an existing PENFED Money Market Savings account to create an escrow account on my mortgage. I respectfully request a prompt resolution to this matter.
Product: Mortgage

I am a XXXX and did work at a home New Day USA was refinancing and they needed this work done asap so they could close on a loan XX/XX/XXXX. A XXXX XXXX employee contacted me on XX/XX/XXXX and I completed the job on XX/XX/XXXX. I was promised that a check was to be cut from the homeowners funds at settlement and sent to me, this never happened and now they will not pay me, its been XXXX months. Attached are the emails from XXXX XXXX stating I will be cut a check at closing. I've been calling and emailing and getting nowhere, in fact, I have to call from different numbers because they avoid me. 

Please see attached emails stating on XXXX separate occasions I will be cut a check at closing. The following are excerpts from XXXX emails from XX/XX/XXXX between myself and a new day employee. 

" We will be handling the {$750.00} payment for the repair '' and the next sentence says " We will send payment as soon as the loan funds on XX/XX/XXXX '' also earlier in the day on XX/XX/XXXX you'll see another email stating " we plan on closing on the XXXX and funding will be on XX/XX/XXXX so we can send you a check then ''
Product: Credit card

On XXXX XXXX 2024 i was contacted by Comenity fraud dept via text message and a voice mail about potential fraud on my newly opened Bread XXXX  credit card.I opened this account in XX/XX/year> and already there was fraud a month later.I never had fraud on any of my credit cards ever.I called Bread CS to confirm that those charges were fraud.They said that they would investigate and it took them three months even though I called the moment a got their alerts to let them know it was fraud.They still let two charges clear. Unbelievable! 
However my main issue is that since I reported fraud they cancelled my credit card and for some reason are refusing to issue a replacement.I contacted CS multiple times and always get a weird excuse.I asked them to escalate this to management and that did not help because person that responded made even weirder excuse. They also keep blaming USPS for not delivering a replacement but I know its not USPS fault.I get emails from USPS with scans of my mail every day.Two days ago I got a letter from Comenity stating that they finished their investigation and I was not at fault for fraud charges. 
I asked them to send my replacement card with tracking but they said they can't do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX XXXX XXXX / XXXX Credit Card
Product: Credit card or prepaid card

I had a discover it credit card, it was my first credit card. I had a late minimum payment in XX/XX/2019 due to being inexperienced and never being taught about credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since these guys have sent my PII through email without verifying any information with me personally, I have been harassed by phone calls and people showing up at my door. Oh, and I've had to move because my ex husband got a hold of the information. I now sleep with a gun because of the incessant harassment. I'vetried contacting them multiple times through email, their website, phone number and all I get are XXXX representatives. Why are fraud issues dealt with in a foreign country? Why am I not able to talk with an American citizen about any of this? I've searched through the contract they sent and nowhere does it state that any information was going to be available in a foreign country. How is this even legal. The amount of fraud that can happen is unreal!!! I have had to move twice now because these guys have handed my PII to my violent ex hisband. Several of the addresses on these aren't even mine. Ive contacted every merchant on the bills they sent through my email with account information and address and NONE of them can provide me with a signed receipt. NONE!!! There's no delivery confirmation for the letter they claim they sent informing me of them selling my PII. If they sent something like that, I would think they would want some sort of proof that it was sent and not just written and left on a computer. Im sick of the harassment!!! These guys do not care about the personal safety of anyone.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in bankruptcy since XX/XX/XXXX. My lawyer, XXXX XXXX XXXX, sent out a letter of proof on XX/XX/XXXX to XXXX. They still are showing my XXXX account as open and active in their er site as well as my XXXX credit report and possibly XXXX and XXXX. I know for sure in XXXX. Its illegal to keep open my XXXX account after Ive filed for bankruptcy. And when I call XXXX Im automatically transferred to collections where they ask for payment. Its illegal to do this after I filed for bankruptcy which I did on XX/XX/XXXX. Please cease and desist attempts to collect money when I call in and am transferred to collections. Please contact XXXX and change my account from open status to closed due to bankruptcy. Also close my account number XXXX. Stop showing Im in past due status on XXXX website. Im in bankruptcy. Its illegal.
Product: Mortgage

In XX/XX/XXXX, I contacted PennyMac to request a forbearance plan. This was requested due to a reduction of income due to Covid-19. Additionally, while I was on the forbearance plan I was consistently told that there would be no credit reporting. In XXXX of XXXX my loan was submitted for a streamlined modification and this modification was approved. Again, I was told that this modification would not impact my credit and that there would be no credit reporting. 

However, on XX/XX/XXXX I realized that PennyMac had submitted a 120 day late notice to the credit bureaus. I have called several times since XX/XX/XXXX and was told that this should not have been reported to the credit bureaus and that it would be removed. I was promised a call back with 48 business hours but never received one. 

Today, on XX/XX/XXXX, I called PennyMac and was told that they would not remove the credit reporting because my modification was not setup as a Covid-19 modification. I believe this is an error as my loan should have been setup as Covid-19 forbearance/modification. Also, for the entire time I was in forbearance, I was told that no late payments would be reported to credit bureaus. 

I believe PennyMac needs to correct this because ( XXXX ) they did not setup my loan correctly as a Covid-19 forbearance plan and ( 2 ) they consistently told me that no credit reporting would happen during many of the calls I've had with them since XX/XX/XXXX. 

Sincerely and appreciatively, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

I received a letter from Wells Fargo, dated XX/XX/XXXX, explaining that the bank enrolled me in Identity Theft Protection - XXXX product between XX/XX/XXXX and XX/XX/XXXX. I did not request this product. 

I called Wells Fargo on XX/XX/XXXX, seeking further explanation. I left my name and phone number, as prompted, by the bank 's automated answering system. As of XX/XX/XXXX, I had not received a call from the bank. 

On XX/XX/XXXX, I again called the bank seeking an explanation ; instead of leaving my name and contact info, I held until an employee answered. The employee read a script after I explained why I called. I asked the employee a question about why and how I was enrolled in the product and she transferred me to a department that supposedly could answer my question. While on hold ( again ), the bank disconnected the call. 

I submitted this complaint because Wells Fargo involuntarily enrolled me in the product and made it difficult for me to obtain an explanation. I suspect that this has happened to many other current and former Wells Fargo account holders and that a banking regulator is better placed to deal with this huge entity rather than relying on each current and former account holder that was impacted to seek a resolution.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my free credit reports online and went thru them to find a few inaccuracies on them. I furnished Trans union with absolute proof that I returned a XXXX XXXX cable box along with the XXXX XXXX pictures and tracking confirmation. Also a letter that was from XXXX   XXXX stating they received the box with a credit to me for the amount of XXXX which they forwarded a credit card with the balance amount to me. After speaking with the girl today she says it's up to XXXX XXXX to take off the negative report with them after I furnished them in black and white the evidence that XXXX XXXX got it with the letter they sent to my home and also with the tracking from the XXXX XXXX office with pictures of proof of the cable box returned to XXXX XXXX. 
Also I applied for a loan with my credit union bank and my score was. XXXX now down to XXXX with the inaccuracies on my report. I kindly asked them to adjust that to reflect what it was previously to be fair which I assume they don't wish to do and also send me the revised credit report and to my bank for them to see these items were not to be on my report for them to reconsider the loan.
Product: Student loan

Mohela has changed my payment amounts, at random. When I call customer service to seek explanation, after waiting on hold for literal hours, sometimes I get no help, sometimes I get hung up on, and sometimes I get conflicting information from one customer service rep to another. 

Additionally, the amount of my monthly payment on the SAVE play is more than double what it was on the REPAYE plan. I can not afford more than $ XXXX in loans- if I could, I wouldn't have had to take out loans in the first place. Mohela is unable to explain why the payments are so high and are unwilling to adjust them on the PSLF.
Product: Debt collection

XXXX Averst Bank 2008 this is to old to be on my credit repot. Its XXXX. I want this removed. I gave this back to then. They sold me a lemon. The transmission had went out of this thing after a XXXX or four months. I lost thousends on this.
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX. On XXXX XXXX XXXX dollars was stole from my XXXX XXXX debit card and XXXX on the XXXX of XX/XX/XXXX. I called Bank of America Within XXXX hrs of the XXXX being stole. I had went to the ATM on the XXXX to withdraw money And thats when I found the money was gone. I immediately contacted the bank who then Issued me a a new card and their help stopped there. I immediately filed a police report on XX/XX/XXXX. On the XXXX of XXXX after being denied I sent them everything they ask for to DISPUTE their action. I faxed everything they needed on the XXXX of XXXX from XXXX XXXX XXXX here in XXXX, XXXX. They tried to say it was the XXXX but their XXXX Didnt realize the date and time of day and what day are on the fax. I have proof. Anyway, today is XXXX the XXXX XXXX and they have done absolutely NOTHING. I have kept detailed Information on every call Ive made and what Ive done to resolve this matter. They have 45 Days to resolve a transaction Dispute. They clearly are doing nothing. Im not that good at Math but its been 52 days from the XXXX of XXXX if you go by their numbers 58 days is The right number because Thats the day I disputed and thats when I faxed the information They wanted. I HAVE PROOF! They see it to the Date time of day is on the fax. They choose To not do the right thing. They are doing the same thing to XXXX XXXX XXXX Debit card users as they got in trouble for in XXXX Anyway thanks for your time, My name Is XXXX XXXX my claim # XXXX for Bank of America. Im starting a XXXX XXXX to address the actions of Bank of America. Im not alone!! My number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in late XXXX i took out a visa credit card from XXXX ( thru XXXX XXXX. ). sometime around XXXX and XXXX of XXXX the card was used by XXXX XXXX three times, two weeks apart. i have never been a member of XXXX ... we also moved our residence in late XXXX of XXXX to our new home. we did not receive mail from old address ... i did not see the problem until XXXX of this year when i checked my credit score..it went from XXXX to XXXX.. 
i checked and saw the 3 over due bills of XXXX dollars, three time from XXXX XXXX and called XXXX.. they agreed it was fraud and credit back the money to XXXX credit card ... 
however, XXXX has NOT removed the problem and equifax will not correct the problem. 
i spoke to XXXX on XX/XX/XXXX about this c # XXXX XXXX XXXX XXXX and he said all has been cleared, no delquincy .then spoke with XXXX at equifax on XXXX, c # XXXX XXXX XXXX and she said to talk with XXXX XXXX???? 
nothing has been corrected as yet. 
XXXX and equifax need to be held responsible. 
thank you, XXXX XXXX
Product: Mortgage

Contacted Wells Fargo to refinance my home Mortgage in California. I have paid my Mortgage on time for many years. Went through the application process and submitted my 2018 tax returns. Was a struggle communicating with a Home Mortgage Representative weeks went by before a returned e-mail or phone was done. My application was denied because of my income. I feel I am being discriminated against because ( 1 ) I am a Woman ( 2 ) I am XXXX XXXX. I offered to submit my Bank Statements to validate my income and told the Representative I had no problems paying my Mortgage during Covid 19. Please Help me I should be able to refinance at a lower rate without any issues.