23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Mohela offers a .25 % interest rate reduction if you schedule auto deductions. The problem is that they withdraw the monthly even if it is not due. By way of example, if your monthly payment is {$590.00} and due on XX/XX/XXXX, but if you make the payment in full on XX/XX/XXXX, Mohela will still automatically withdraw {$590.00} on XX/XX/XXXX despite the fact it is not currently due. This double dipping is unfair to student loan borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX that's reflecting a 30 day late payment status on a account I have never been late. It also reflects the 30 day late payment status despite the account has been paid and closed for quite some time. The historical payment history does not reflect what month and year this alleged late payment took place so it makes it challenging to be more specific but I do know I was set up on auto payment for the account during the duration of the account. I wrote the credit bureau back on XX/XX/2021 and as of today I have not received any mail or electronic mail in regards to my dispute as a result I am writing a complaint with your company. To support my claim if you go on the XXXX XXXX XXXX website this company only has unanswered claims and does not have their contact information on my credit report.
Product: Checking or savings account

On XX/XX/XXXX I opened Up a Huntington Checkings and Savings account because I needed an account to make check deposits, receive my deposits from work and pay my rent. On XX/XX/XXXX I went into the closest Huntington Branch and deposited a total of {$1300.00} into my checkings account to go towards 2 months of rent, on XX/XX/XXXX I attempted to into my mobile account but was unable to I called customer service and they said that my account was closed, I asked for what reason they said they could not disclose that over the phone and that I would receive a letter and the amount I deposited within 7-10 business days and that if I wanted my funds faster i would have to go to a branch and withdraw the money. I went the next day and they said that all the funds hadnt went through and to wait till Friday, so I came back Friday and they said the account was fully closed and there was nothing they could do. So I waited those amount of days no letter and check had came with in the remaining days, I called once again and they said to go to the branch to get the funds, that time over the phone they forwarded me to the collections department and they said that they left a note on my account for the bank tellers to see to give them the ok to hand me the funds. This was about 2 weeks ago from today the XXXX of XXXX. Yesterday the XXXX of XXXX go into my branch due to me having free time and I start the process of starting a withdrawal and I explained to the bank teller my situation he said again there was nothing he could do the account showed XXXX XXXX and it was closed. So I call customer service again and they transfer me to collections and I talked to a representative and was placed on hold, the representative then spoke back with me and said she was informed by someone over her that the check and closing letter was already mailed to me a while ago and I shouldve received it, I told her I didnt and she said well do we have the right address on file I said yes because Ive received other mail from yall including a bank statement for both accounts from XXXX. Yesterday was the last form of communication Ive had with Huntington and since nothing has been received and solved Im escalating the issue even more
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B requires the deletion of incorrect accounts from my credit report. Can you review the documents? Some accounts are inaccurately listed with wrong amounts and dates.
Product: Credit card

A lot of time I get call for credit debt Collection sometimes matches my information sometimes not. But I never try to open any credit card after my first credit card charged from unknown sources, then I never had any credit card but a lot of time I get calls and email from different companies about my payment but I never had those account. Even I saw a lot of car loan requests after I tried to buy a car
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living being, I have rights 15 USC 1681. XXXX is govern 15 USC 1681. And they violated my right numerous of time. I demand the accounts listed below be removed because : According to 15 USC 1681- I have the right the privacy and did not give XXXX written permission to furnish these accounts. Accounts : XXXX XXXX Financial - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financing - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my loan was sold from XXXX XXXX ( XXXX ) to NationStar/Mr. Cooper. Mr. Cooper sent me a letter letting me know they were my new lenders & to please call them in order to start making payments. I called them to do so & " they '' said they couldn't accept payments because the previous company, XXXX, was under a Class Action Suit & because of that " they '' couldn't accept my payments. My attorney had asked me to ask them since they should've still be able to accept payments. I offered to pay them ALL of the payments that XXXX refused to accept since they were being sued. I told them I had ALL of my payments, yet THEY ( Mr. Cooper ) still refused to accept payments until the case was resolved.  Because of that they decided to mark me 180 days from XX/XX/XXXX - XX/XX/XXXX. I sold my house in XX/XX/XXXX & they got all their payments so I am still confused as to how they can mark me as such. I have asked them to change this & they still have not. Is there anything you all can do? Pls help since none of this was my fault & it was them ( Mr. Cooper ) who ultimately refused to take my payments. Thank you.
Product: Credit reporting or other personal consumer reports

This is absolutely ridiculous!!! I have been disputing information on my report since last year. I am tired! I did not sign up for their membership and I've tried to opt-out of sharing my personal information from Experian with their affiliations and it has been nothing but a hassle with this company. I prepared an email today to cancel and opt-out of any and all affiliates, third parties, etc ... with Experian including but not limited to unwanted advertisements, sharing of my personal information to lenders, etc... Experian has a bogus email address on their website to opt-out. It kicked me out immediately. They provide an email address of consumerprivacy.experian.com on their website ( which is not a valid email address ). Please see my attached screenshot with the error message. They do not have an @ sign within their email address ( consumerprivacy.experianXXXXXXXX  ). Therefore, this is not a valid email address. It appears, they have no intentions of allowing you to opt-out. I'm sure if I'm experiencing this, others are too.
Product: Mortgage

This is a partial copy of the letter sent to the lending company : I am writing to share my frustration and disappointment in one of your Loan Officers, Mr. XXXX XXXX. I am at a complete loss at his level of incompetence and inability to reach settlement on the above listed property. To date, he has missed three closing dates for one bogus reason or another. Despite the mess he has created, he has yet to take ownership for being ill-prepared and failing to ensure all documents were in place for the scheduled settlement dates. 

The following are the dates missed and the rationale given : XX/XX/XXXX date moved to XX/XX/XXXX - No reason given XX/XX/XXXX date missed and moved to XX/XX/XXXX - I was told that HUD wanted to audit the file because multiple contracts had been made on the property and the contracts had failed to reach settlement. I have not spoken to one lender who has ever heard of HUD wanting to audit a file for such a reason. 
XX/XX/XXXX date missed and moved to XX/XX/XXXX - he failed to confirm buyer 's rental history and underwriting needed the former landlord to confirm dates of rental history. At this time, HUD supposedly still wants to " audit '' the file but they will not delay the settlement as the audit is completed. 
XX/XX/XXXX date missed and unable to schedule another settlement date - the buyer has a gap in her employment history, therefore her existing loan is null and void. Why wasn't this discovered and addressed a long time ago? How is something as basic as employment history not addressed in the beginning stages of preparation for settlement? 

I am hoping that you are able to intervene and possibly assist him in closing this deal by XX/XX/XXXX. Not only is this a hardship on me, the seller, but the buyer has been on an emotional roller coaster as well. If I am unable to sell this property by XX/XX/XXXX, I will be forced to terminate this contract and rent the property. I have absolutely no desire to rent this property, but I can't afford to wait until Mr. XXXX  figures out how to do his job and actually reach a settlement on this property. When I told him I may have to rent it because I can't prolong this case any further, he actually had the audacity to suggest that I rent it to the buyer. What kind of pathetic loan XXXX would say something like that? Doesn't that go against your industry? Why purchase or sell a home if everyone should rent?
Product: Debt collection

Conns has been reporting information that has erroneous I was told by their company not to make payments for 90 days and they would re-find me. So I did not make payments so they begin to refi my accounts and when I receive the refinancing forms I signed them with all rights reserved they did not like the way I sign so they refused my payments from their on and then charged of my accounts I have to know avail been able to reach anyone who could give me any answers basically they have XXXX XXXX me around and our continually reporting information that is erroneous along with the three credit agencies to continue to violate section 609 and not certifying the information to the consumer myself which is disclosures to the consumer under 15 USC statute 1681GA information on the file every consumer report and agencies youll have upon request and subject to 610 A1 statued Merchant store should correct the information by removing it it is not correct it is erroneous and they have put me in an unconscionable situation I believe that the three credit agencies XXXX XXXX XXXX XXXX and XXXX  need to follow the legislation laws on the books as stated earlier pursuant to section 609 in the federal credit act thank you 1681H clearly and actually this close to the consumer basically they need to give me the request In writing and certify it and they have refuse to do that as well this is been a real battle hopefully you folks can help me out thank you
Product: Credit reporting or other personal consumer reports

i reviewed my credit report and noticed unauthorized inquires. i contacted the creditors listed below and they have NO proof i initiated the inquires, they have no written or verbal authorization. 
. according to section 604 of the fair credit reporting act 15 us code 1681b and 15 us code 1681i ... my rights have been violated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Account for XXXX XXXX is older than 7 years and has not been removed from XXXX, or Equifax.
Product: Credit card

I purchased tires on a " 12 months same as cash '' deal. The purchase price was {$2000.00} and the full payment was due on XX/XX/year>. I made monthly payments on this balance. Later I made another purchase. This one was {$370.00} on a " 6 month same as cash '' deal that expired on XX/XX/year>. On XX/XX/year> I went to my credit union and had them call the credit card to get the payoff amount on the 12 month purchase balance. My credit union then electronically transferred the payoff amount of {$500.00} from my account to the credit card. The credit card received the amount in time but did not apply that amount to the " 12 months same as cash '' balance and instead applied a small amount of the payment to the " 6 months same as cash '' balance. Thus the " 12 months same as cash '' balance was not paid off by the deadline and the interest that had accrued in the amount of {$540.00} was added to my balance. I attempted to dispute the interest charge and to explain their error, but they have refused to budge. I disputed the charge by letters dated XX/XX/year> and XX/XX/year>. I have paid the disputed amount, but would like it to be refunded to me.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX was Closed due to Fraud and Predatory lending Practices I Qualify for Permanent Loan Dismissal According to the Federal Gov But when i contact Navient they tell me no such Program Exists and that I do not Qualify for this Program. 
Yet under Federal Statue i due and they refuse to dismiss my Loans cause of this
Product: Mortgage

Complaint against NewREZ XXXX www.newrez.com XXXX. XXXX  XXXX XXXX, TX XXXX My mortgage was transferred to Shellpoint Mortgage which then became NewRez LLC some years ago. In XX/XX/XXXX I began paying extra principal and just additional money on my mortgage. Unfortunately, I didnt pay a lot of attention of how my extra payments were being accounted for, but I assumed that it was going to principal and interest payments. I had a XXXX in XX/XX/XXXX and in XX/XX/XXXX I finally reviewed my mortgage account to see how much longer it would take to pay it off. I realized that what they did was they kept pushing out next due date as opposed to applying the funds to my account. Ins My XXXX statement of XX/XX/XXXX stated I owed {$0.00} on XX/XX/XXXX and my next due date was XX/XX/XXXX ( or XX/XX/XXXX ). To me that meant they had at least five months of payments accredited to my account or at least {$12000.00} ( my regular payment was {$2400.00} although I often rounded up to {$2500.00} ). My first call on XX/XX/XXXX the customer service rep said she would enter a ticket to have my payments reassigned to principal. She thought I might have somewhere between 12 and {$15000.00} overpaid. At that time, I owed {$12000.00}. She told me it would take 3-5 days to process. Nothing happened so I called back on XX/XX/XXXX and spoke to XXXX. She said she saw the notes but no ticket so she opened one and said she would escalate to her manager. On XX/XX/XXXX NewRez fluctuated my due amount between {$12000.00} and {$22000.00} and determined I owed {$9500.00}! I called back on XX/XX/XXXX and spoke to XXXX who would not explain why they did what the did but their adjustments were correct were correct. After that fiasco I noticed they had pushed my next payment out to XXXX. I called and spoke to XXXX and we figured if we took the 2 months credit into account if I paid on XXXX we figured the new principal would be {$4700.00}. NewRez moved my next payment due to XX/XX/XXXX but only reduced my payment to {$8300.00}. I do not understand their funny math so Ive attached the spreadsheet with my payment history. I feel I should owe much less than what they are billing me. I believe they are being dishonest, I have attached the payment record for you review. I hope you can help.
Product: Mortgage

On XX/XX/XXXX I entered into a purchase Transaction with a buyer who supplied a conditional approval with her offer for acceptance from her XXXX XXXX XXXX XXXX XXXX American Pacific Mortgage signed by XXXX XXXX XXXX XXXX # XXXX. On XX/XX/XXXX XXXX XXXX communicated that all was on track for closing and borrower released loan contingencies for a presumed loan closing of XX/XX/XXXX. on XX/XX/XXXX Escrow officer reached out to XXXX XXXX again at XXXX XXXX and was advised that a closing disclosure had been requested and documents arriving to escrow soon. After missing the closing date XXXX XXXX stated she was working to have the loan close on XX/XX/XXXX. On XX/XX/XXXX it was stated XXXX was out of the XXXX and XXXX XXXX XXXX XXXX took over the loan on XX/XX/XXXX. On XX/XX/XXXX, Branch Manager communicated that the loan had never been approved or submitted to underwriting violating potential Reg B. requirements and UDAAP in order to secure a home purchase transaction for an individual who had not received a loan approval. The seller was deceived into accepting an offer and made to believe lending had been procured by XXXX XXXX. for the purpose of financial gain by XXXX XXXX. Branch Manager XXXX XXXX communicated to seller that he was not sure how the borrower was looking for homes as there was not a loan approval issued. He then asked for more time to obtain financing on the borrowers behalf and to add additional borrowers to the loan. On XX/XX/XXXX after the borrower being served an escrow cancellation request XXXX XXXX once again asked for additional time close the loan adding additional borrowers. As a result of the lenders inability to procure a loan for the agreed upon borrower the sellers have experienced financial harm, and have not been able to cancel escrow as a result of the unethical, Unfair and deceptive loan practices from the institution, that could not have been reasonably avoided by the seller due to the misrepresentation from XXXX XXXX, in having had procured loan financing. To date, at the direction of XXXX XXXX the Borrower has failed to acknowledge any loan cancellation or correspondence from the seller in attempt to coerce a loan closure between additional parties that have not been agreed upon. I formally request that the CFPB evaluate XXXXXXXX XXXX Sales Practices, as well as their adherence into Reg B, Fair Lending and UDAAP compliance.
Product: Money transfer, virtual currency, or money service

I requested a loan from Bank of America to XXXX on XX/XX/XXXX. The XXXX was sent but for unknown reasons the money just sat at XXXX. On XX/XX/XXXX the money was supposedly returned to BAC, me, or other reasons XXXX gave me. I contacted BAC and was told to continue with XXXX to find the money. XXXX finally told me the money went to XXXX and to contact them. XXXX  does not talk to individuals but they said the originating bank had to contact them. As of XXXX I have contacted BAC multiple times. Some conversations were helpful but most were a dead end. Meanwhile I had completed multiple transfers from other banks ; but some one at BAC charged ahead and paid the loan I never got with my other funds. I should have never been in this position. I have never been compensated for the XXXX, there is no communication, and my credit is getting weird. I want my money so I can move on to another bank. It has been 5 months and my patience is gone.
Product: Student loan

Hello I started XXXX XXXX XXXX in 2016. We applied for XXXX XXXX loan, received it and paid it off years ago. XXXX XXXX is the only student loan that I had or new of. This week I received a statement from aidVantage that I owed {$6500.00}. I have never new about this so called debt. I contacted my parents who advised the only student loans we had were with XXXX XXXX and they were paid off years ago. I contacted my school, Student Aid.gov and aidVantage. My school said my school loan debt has been paid off. Student Aid.gov said they show we owe this along with aidVantage. I have never received ANYTHING from ANYONE about this debt. It has been 8 years!!!! Nothing was ever sent about this debt. This is not right. You can see on my XXXX XXXX that payments were made each month and now paid off. We would have done the same on this loan if I would have know about it. Please help me. If I owe it, I will pay it but I don't feel that I should have any interest accrued since I didn't know about it and no one can provide me with any documents. Why wasn't anything sent to me in 8 years? My parents haven't moved, phone numbers haven't changed! Please Help : )
Product: Credit reporting or other personal consumer reports

There are 3 problems. First this company has made accessing accounts online difficult. The reason for this that comenity Bank only has a single domain name. Ie. D.comenity.com/ whatever lineofcredit. This compromises the clients online security by forcing an individual to memorize their user name and password, keeping all comenity usernames and passwords the same ( very comprising ), or by having previous knowledge of this problem and choosing different user names that include the channel of credit ( ie. XXXX XXXX XXXX ) .password keeping apps that are encrypted and safe to use do not recognize diffrent channels of credit because the domain name is the same for all channels of credit regardless of any sublocations ( XXXX XXXX ) If there is any additional noise in the background you are unable to use the phone system to make a payment. They have been made aware of this issue through several of my phone calls ( after finally getting to a person, not being hung up on ) The second issue is that their payment systems have not been able to be accessed to make a payment at all multiple times throughout this year. Either being unable to log into any accounts all together or just unable to load any navigation beyond the landing screen. There was even a notice that was sent out that they would be making their payment processing system available as soon as possible without giving any leeway for lateness. I believe from the time that I noticed, there was going to be no account access for payment processing and the time the issue was remedied for about month, it was 2 weeks. Comenity then discontinued business with floor and decor as of XXXX XXXX. They added charges to my account that converted it revolving account and closed my account. They told me that even though I'm an authorized user on the card I was not allowed to speak with them about the account. I was told by 2 associates that I instead needed to call synchrony bank ( which was incorrect ).
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding the inaccurate information on my credit report related to the XXXX  XXXX bankruptcy proceedings. I believe that Experian has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to provide me with essential information despite my repeated requests. 

Specifically, Experian has neglected to furnish me with the following details concerning the verification of the disputed information : a. The name of the courthouse where the XXXX  XXXX bankruptcy proceedings took place. 
b. The full name of the person at Experian who verified the dispute. 
c. The address of the court or entity that provided the verification. 
d. Any telephone numbers associated with the verifying party. 
e. Copies of any documentation that was used to verify the dispute. 

I urge the CFPB to investigate this matter thoroughly and compel Experian to take immediate action, including the deletion of the inaccurate account from my credit report and the provision of the requested information as mandated by the FCRA. 

Failure to adhere to these requirements may necessitate further escalation of this issue, as I am resolute in my commitment to upholding the accuracy and integrity of my credit report.
Product: Credit reporting or other personal consumer reports

Sequium Asset Solutoins put a collection notice from XXXX XXXX XXXX mobility on my credit reports. First it appeared on my XXXX report. It caused my rating to drop XXXX points. I filed a dispute with XXXX after calling XXXX XXXX XXXX and being told that I have a {$0.00} balance. A couple days later, my XXXX score went back up and the collection was removed from that report. I checked yesterday XX/XX/year> and now the same notice appears on my XXXX report... I do not owe XXXX XXXX  XXXX anything. I haven't even had XXXX XXXX XXXX XXXX for years. And I am not able to contact anyone from Sequium.