23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I requested to apply for a new loan other than an income driven repayment plan since this is what I currently have and can not afford. MOHELA keeps sending me the Income Driven information. I have asked them to send me what I do qualify for and an application other than income driven plans. MOHELA has sent the same information about income driven over and over in an automated message. I already have an income driven plan that is not affordable.

I would like to know what I can apply for? The last loan I applied for that in which MOHELA told me I was eligible for was not eligible.

MOHELA has not provided me with correct information as to what loan I qualify for since I consolidated a parent plus loan.

What loan other than Income driven can I change to with a parent plus loan consolidation.
Product: Debt collection

I settled a debt collections account with Midwest Recovery Systems on XX/XX/2020 for {$670.00} for an account that originated from XXXX. I received confirmation that the debt was settled and that a deletion would occur. All of my credit reports were updated relatively quickly, and were all removed fairly quickly. However, as of today, XX/XX/2020, this collections account has reappeared on my XXXX report. This account needs to be removed ASAP. I am upset that it was removed and then reestablished on my credit report. This is probably the 5th or so issue I have had with MRS. Each time they continue to mess up my credit with either putting debts that are well over 10 years old on my credit, and now putting new collections on my credit profile that have already been paid. I have attached a redacted transaction of my bank account with the payment authorization and clearance. The letter of deletion I received from MRS via email. As well as a copy of XXXX credit report indicating that MRS updated my credit profile on XX/XX/2020 to re-add this collections.
Product: Credit reporting or other personal consumer reports

Since XXXX my identity was stolen I put an alert on my credit file. In XX/XX/XXXX, I was in the process of buying a house I gave permission to a mortgage company to run my credit, there was a fraudulent account on my credit report associated with XXXX under a company name XXXX XXXX XXXX. I immediately contact XXXX, the three credit reporting agency, XXXX XXXX XXXX as well as filling a FTC fraud report ; the matter was investigated by XXXX, XXXX, XXXX, Equifax and was removed from my credit file on XX/XX/XXXX. 
This year a company name XXXX XXXX XXXX, called my phone 7 times a day, I thought it was scam, after many calls and no messages I called them back. XXXX now fail to to a proper investigation nor looking at the previous cases or the evidence of fraud that I have submitted. I was asked to pay them the money or they said I owed on a XXXX  account, I told them I never have XXXX. a few days later the account appeared on my credit file when I looked closely it is the same fraudulent account that I have previously disputed and was removed from my file in XX/XX/XXXX. I called XXXX which is now XXXX  the manager I spoke with told me that matter was resolved and I don't have any account with them. I reached out to the credit bureaus and the company nothing has been done. I believe that they are using this to extort money from me. 
I have had a identity fraud alert in my credit since XXXX after my identity was stolen and I have previously from several complaint with the FTC regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified dispute letters to XXXX, XXXX, and Experian with the latest letter being sent on XX/XX/2020 requesting for an investigation of the errors on the two alleged accounts that are being reported on both of my XXXX  and Experian credit reports. XXXX is claiming that I allegedly owe {$710.00} and {$150.00}. There are two inconsistent " Date of Last Activity '' being reported for the alleged {$710.00} account after XXXX, XXXX, and Experian have claimed to have validated the account. How is that possible? After reviewing my XXXX  credit report it shows that XXXX is reporting a Date of Last Activity on XX/XX/2020. Under the consumer protection afforded by the FCRA Section 605 ( c ) it is against the law to re-age an account. I am requesting that XXXX, XXXX, and Experian be investigated and that the XXXX account be deleted from all of the credit bureaus and from my credit reports.
Product: Credit reporting

A credit card XXXX XXXX Bank XXXX causing a negative rating is listed. This card belonged to my parents, XXXX XXXX and XXXX XXXX I did have an authorized user card to help them.
Product: Credit card

On or about XX/XX/XXXX, I called bank of America XXXX XXXX XXXX ( credit card ) to set up an auto-pay because the bank locked my card and I was forced to make payment. At that point I didn't use the credit card to buy gas at XXXX. After I made the payment for the balance that was due, I told the representative to set up an auto-pay to avoid the disagreement in the future and she did. On or about XX/XX/XXXX, bank of America credit card sent me an email that they still can not process the payment. I received an email that a payment of {$56.00} was past due on XX/XX/XXXX. On XX/XX/XXXX, I made a {$200.00} transfer from bank of America XXXX acct to the credit card. I even called the bank at XXXX and they confirmed it. They couldn't tell me the reason why the auto-pay that was set-up didn't go through. I also noticed during the call with the bank that they reduced my credit line from {$5000.00} to {$800.00}. I asked the bank and they told me that they sent me a mail explaining the reason. The bank also said that they made the decision to reduce my credit due to my credit score. I went to my XXXX XXXX to check with XXXX which is the credit report used by Bank of America. My credit dropped from XXXX to XXXX as of XX/XX/XXXX. They bank couldn't tell me exactly why they reduced my credit line. There was no late payment and no delinquency. The balance on the credit card was close to {$800.00}, so you understand why the credit report would dropped my credit. On XX/XX/XXXX, I tried again to make transfer using my checking account with bank of America to my credit card, still nothing to show if the payment is successful or not. The bank seems to take few days to let the customer knows if payment was accepted as opposed to XXXX or XXXX XXXX. This is not the only credit card I owed, but it's the only credit card that I hate using because if you make an extra payment, the bank returned the extra as shown in the attached document when they returned a {$94.00}. It wouldn't have bother me if the bank kept it on the credit card. If you don't make payment the date you're supposed to make payment, the bank locked your card. I have {$560.00} on my checking and {$290.00} on my saving. I owed the credit card since 2011 and this is what I get as a thank you even with no late payment. I just tried to use the card for emergency as when I used it in XXXX of this year to pay for my {$600.00} prescription glasses, thus the reason for the balance. Now, I would reconsider my trust in that bank in time of hardships.
Product: Checking or savings account

I received notification that TCF bank was acquired by Huntington Bank and that my account would be considered dormant if I did not contact them. I called XXXX XXXX XXXX  and waited for 1 hour 48 min on hold before the line was cut off. I tried again XXXX at XXXX XXXX  and asked for a call back.I never received a call back. I replied to the email that was sent to me with no acknowledgement. I need to close this account and the bank is giving me no way to do so.
Product: Checking or savings account

My name is XXXX XXXX. I am a square user and opened a business in my house for mini drinks and retailing known as " XXXX XXXX XXXX XXXX '' I process one payment with square and square needed information about my business. I sent them my ID card and other document but I have not gotten a response and it has been weeks. 

I need square to tell me when I will be able to withdraw my money. 

If they have deactivated my account, they need to tell me when I will be able to withdraw my funds. 

The email address associated with my square account is XXXX XXXX
Product: Credit card

On XXXX/XXXX/15 my identity was stolen & several charge cards were opened in my name. This person also went to my bank on XXXX/XXXX/15 in attempt to withdraw funds from all of my accounts. Luckily a wish bank teller refused & called me. On XXXX/XXXX/15 I called Macy 's ( they were listed as XXXX of the fraudulent accounts ) to say that the account was opened fraudulently. I was told that the card had not been used yet & they closed the acct. In XXXX XXXX I received a Macy 's bill for {$1300.00}. I called Macy 's again & was told that the card had been charged on XXXX but a processing delay meant that the rep had n't seen it when I called. They said they 'd send me the fraud claims forms & they did ... 2 MONTHS LATER. I submitted my Identity Fraud Affidavit, Police report, proof that I was at work XXXX miles away that day, & proof of identity. I waited a month & called Macy 's to check on my status ... they claimed that they never received my proof, that is until I showed that I sent it via certified mail. I was told that they 'd " expedite '' my claim ... I called in XXXX XXXX ; nothing had been done. Macy 's reported the account as delinquent & my credit was suffering. They told me that I could do nothing about that but promised to " expedite '' my claim ( again ) ... nothing happened. I called in XXXX, same thing. This time they PROMISED that my claim was being " expedited '' for real this time. In the meantime, Macy 's is still reporting the account as delinquent. I called today & requested an update on the account as well as their address to their legal department as I was going to have an attorney send a Letter to Compel. They refused to give me the info. I was put on hold three times, each for about 45 minutes before the line was disconnected. 

My rights as an identity theft victim have been violated by Macy 's reporting the account as delinquent while it is under investigation. I also feel that they are stonewalling the process my taking 8 months to investigate my claim. I have always been willing to provide more proof if needed. I feel that the fact that my bank alerted me and can verify that this person has a fake ID under my name ( XXXX misspelled ) ; that my work requires us to use a fingerprint to clock in ; that I have a police report ; and that I called Macy 's to report it as fraudulent before they knew the card had been used should be sufficient. Their refusal to provide me with the legal departments address is sleezy at best.
Product: Mortgage

I recently closed on a HAMP loan for my 1st mortgage with XXXX XXXX. I submitted an 2mp loan modification with Citimortgage in 2016 for my 2nd loan. Citibank has denied my request for the 2mp program because they were not notified that my 2nd loan qualified for the 2mp program. The have said there is no way for them to give me a 2mp modification without the notification. I believe the notification they need comes from the XXXX XXXX matching system which is used by Hamp loan servicers. I also believe the system allows servicers the ability to match 2nd mortgages to a hamp modified 1st mortgage. Thus allowing them to modify my loan. I do not believe an proper attempt has been made by Citimortage to assist me with my 2mp loan and would like an explanation why citimortgage does not follow the Hamp servicers guide and assist me with my loan.
Product: Credit reporting or other personal consumer reports

Im complaining about a XXXX  account # XXXX that 3o days late and is closed. This account was not 30 days late and it was closed in XX/XX/2024. I contacted Transunion and told them that this account was not late and is closed
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes. 
XXXX has retroactively removed positive payment history and changed it to negative. 

In XXXX they reported XX/XX/XXXX XXXX  late, after the account was XXXX XXXX  out in balance in XXXX XXXX. I disputed, and had an attorney send a demand for arbitration. After 30 days, they responded, stating bank error and correcting information. Now in XXXX, they are reporting a 30 day late payment in XX/XX/, while the account had been XXXX XXXX  out in XXXX and no payment was due in XXXX XXXX XXXX 

The company responds slowly, continues to make false changes to my credit report.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXXI went to XXXX XXXX XXXX ( owned by XXXX XXXX ) a check cashing agency in XXXX XXXX MO to help pay my bills due to being a single mom that was getting no child support. Unfortunately, things got difficult for me financially and I ended up defaulting on this loan. I was taken to court and my pay ended up being garnished in XX/XX/XXXX. The case information for that satisfaction of Judgement with the XXXX XXXX XXXX Missouri Courts is as follows : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. It states clearly that I paid it in full as a Satisfaction of Judgement is clearly indicated on the files that can be viewed by the public on Missouri Case.net I have also enclosed screen shots of this with this complaint. The satisfaction of judgement was entered on XX/XX/XXXX by : XXXX XXXX XXXX XXXX On Behalf Of : XXXX XXXX XXXX. I received a letter today, XX/XX/XXXX, from XXXX XXXX XXXX, XXXX. a law firm that does debt collecting ( XXXX ) XXXX referencing Circuit Court case # XXXX stating my bank account and wages will be garnished for this very same debt that I already paid for. They want {$3700.00} for a loan that was only {$500.00}. They have already garnished my bank account. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX TN : XXXX Fax : XXXX email : XXXX New Court Case E # XXXX
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXX - XX/XX/XXXX : XXXX # XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX :
Product: Mortgage

I had a loan with Saxon Mortgage Services , Inc. Loan # XXXX, I tried to do a cash out refinance to obtain about {$31000.00} for improvements on that property ( XXXX XXXX XXXX , XXXX , MD XXXX ), and Saxon approved Loan # XXXX ; however, when I went to the title Company ( XXXX XXXX ) to sign the papers, I discovered that the interest rate and the monthly payments were much higher then what was promised. At the advise of Saxon 's agent XXXX XXXX I signed the documents anyway that I had three days to decide if I wanted to keep the loan. Two days later I called Saxon and informed them that I wished to cancel the loan, they gave me the fax number to fax the Notice of Right of Rescission which I did and kept my copy. And for the next three months, I continued made my Mortgage payments on the previews loan # XXXX, those payments were never returned nor applied to the newly-cancelled loan. Some time in XX/XX/XXXX, I received a call from Saxon stating that I have failed to make the first payment on Loan # XXXX. I quickly reminded them of the cancellation of that loan and requested in writing an investigation on both loans, on XXXX XXXX, I received XXXX letters from Saxon confirmed my inquiry and stated they will clear the matter and will get back to me. A month later, XXXX XXXX, I received the CERTIFICATE OF SATISFACTION of loan # XXXX, and in XX/XX/XXXX Saxon hired the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to foreclose on the cancelled loan # XXXX. In an attempt trying to save my Home, I had to file XXXX bankruptcies and still lose everything that I have ever owned. Saxon wrongfully foreclosed and sold my property and I never received from Saxon that {$31000.00} cash out refinance from loan # XXXX had I not cancelled loan # XXXX. Saxon made the mistakes off not cancelled the loan, satisfied the only valid loan, wrongfully foreclosed and sold my house causing me financial ruined and XXXX.
Product: Checking or savings account

As of XX/XX/2020 we have closed out an IRA CD at Capital One Bank. This account was open 30 years ago with XXXX XXXX XXXX. During this time, I changed my legal name. When I closed the account, they put the check with my old name ( no longer in any legal record ), which is no longer a valid person. They would not make the check to my current legal name. I provided the bank my official court document stating the legal name change and my driver 's license with my current legal name. Unfortunately, due to COVID-19, the branch was unable to open a new IRA CD for me to rollover the funds, so they informed me to open the new CD IRA account online. When I tried to open this IRA CD Online, the computer kept declining and saying unable to open. 
When I called customer service, I was informed I had to open an IRA Savings account online first, then mail the deposit to the IRA department at Capital One, as this deposit can not be done at the branch. After the check is deposited into the IRA Savings, then go online and open an IRA CD and transfer the funds over. 
This check was mailed on XX/XX/2020, included with the check was the IRA Deposit form, copy of legal name change, account to be deposited into, and I endorsed both my legal name and previous name on the back of the check. The check was received on XX/XX/2020. I called customer service on XX/XX/2020 to see why the deposit was still not in the savings account, they informed me it is because an additional form was needed and the name did not match the account that was opened online. Immediately that day, I filled out the additional form needed and emailed it to XXXX. They also requested me to send them the court document stating the legal name change. 
I still have not received any response as of XX/XX/2020. 
Not only did they misplace my legal name change document which I attached to the check, but the deposit is still not in the account and it has been over 1 week. 
I am missing interest that is to be earned on the funds that I am rolling over with. In addition, due to me not being able to deposit this check at the branch, I was required to overnight the check to the bank, costing me {$26.00}, as I do not want the IRS to penalize me for early withdrawal, when this is supposed to be a direct rollover. 
I called Capital One repeatedly to follow up on my deposit, and I requested that a supervisor call me back on Monday, XX/XX/2020. They still have not returned my call.
Product: Credit reporting or other personal consumer reports

This is the 2nd time I have called XXXX XXXX about not reporting end of month updates on the XXXX XXXX and XXXX XXXX XXXX which I own. 

I am filing for a Refinance and can not get the accurat e info on my XXXX report. 
I spoke to their Rep XXXX XXXX who called their Business office and they say they have no information showing updates for these cards from XXXX. 

I want it updated so I can get credit pulled and apply for a Refinance, due to this President XXXX up the Interest rates and causing major inflation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got out of an XXXX  relationship after living in a XXXX XXXX XXXX XXXX for quite some time. In hopes of restarting a new chapter for myself and my kids, I started reviewing my credit report about 4 months ago, in anticipation of making a home purchase. However I noticed negative and derogatory reporting by PORTFOLIO RECOV ASSOC, XXXX XXXX XXXX, XXXX, VAXXXX, ( XXXX ) XXXX. I contacted the company in writing to ask about information about this account and how this debt came to be as I have no knowledge of it. I also have not done any business with this company. The company responded by sending me an invoice for the bill, requesting payment. I attempted to contact them several other times in order to get information however, their response would always be the same. They would send me an invoice demanding payment and nothing else. 

In the meantime, the company has continued derogatory reporting to XXXX, XXXX  and XXXX  - which has in turned ruined my credit score. At this point, I am seeking intervention to stop this company from violating the law. Please let me know how I should proceed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, XXXX XXXX XXXX. working on behalf of XXXX XXXX XXXX, signed for a certified letter of official dispute of their information of a collection account in the amount of {$19000.00} on my and my husband 's credit reports. The letter informed them that I was requesting validation of this debt pursuant to FDCPA and FCRA and corresponding local state laws. Competent evidence bearing my signature and showing contractual obligation to pay was requested as well. I also informed them that I was aware of the law and that they had 30 days to validate the debt, or the law required that they request that all reporting agencies delete the entry. After not hearing from them after 30 days and noticing that no notification of dispute was indicated on my credit report I sent a follow-up certified letter which they signed for on XXXX XXXX, 2017. This letter notified them that they were in violation of ( but not limited to ) FDCPA Section 807-8 and FCRA Section 623-b, and therefore I was demanding that the item be removed from my credit report, as required by law. I finally received information from them on XXXX XXXX, 2017, a full 55 days beyond what is allowed by law. In the letter, they informed me that I had 30 days from date of notification by them that the account had been placed with them to dispute the debt. However, I have never received such notice, they have failed to provide proof of such, and I was only aware of the issue when checking my credit report. On that same note, FDCPA states : " 809. Validation of debts ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer '' which does not excuse their legal responsibility to abide by the law in their reporting and validation when informed of formal dispute and request for validation evidence. I am also reporting them to the BBB today, as well as the Texas Attorney General before filing a small claims action.