23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hit XXXX payments for XXXX in XX/XX/year>. Had two loans, one finally forgiven in XXXX, second one not forgiven?? -- on federal website it was officially forgiven in XXXX finally, but I have no confirmation from Mohela. Also further payments were made after XX/XX/year> while Mohela was failing to process the XXXX forgiveness despite ethr ight forms being submitted XXXX times, so they owe me money back on the excess payments which of course has not come. 

They failed to process XXXX when it was due despite the payment count reaching XXXX payments and forms being submitted. They continued to charge me after XXXX payments. They stlll have not confirmed that I am in a XXXX balance. They still have not refunded me for overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself onXX/XX/XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, DPT EDXXXX, XXXX, US DEP ED, US DEPT OF ED/XXXX, USDOE/XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Mortgage

My XXXX XXXX mortgage loan is being serviced by PNC bank. XXXX XXXX XXXX substitation of collaterla procedure states the following '' The Borrower must initiate the release/substitution process by submitting a written request to the Servicer. Upon receipt, the Servicer must submit a release/substitution request package through the MAMP ... '' ( XXXX  : XXXX ). 

After submitted my request to PNC, I was told that " PNC doesn't have a procedure for substitution of collateral requests for mortgages. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX, XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX  XXXX XXXXUnder Dispute US DEPT OF ED/XXXXDispute all ftc violations
Product: Credit reporting

Collections from Original Creditor : XXXX ... This is not my debt. How did they get my social security number and information?
Product: Mortgage

We have sent in the entire short sale packet to Wells Fargo including the offer as of XX/XX/XXXX. The negotiator actually acknowledged the file being complete as of XX/XX/XXXX. Then we received a letter from the Homeowner stating that Wells Fargo is foreclosing on his house on XX/XX/XXXX. We have actually been sending short sale documents ( homeowner 's documents ) to Wells Fargo since XX/XX/XXXX but recently got an offer in XXXX. The offer was acknowledged and we are actually undergoing a value dispute review at the moment which we were told, could take up to 10 business days to complete, so it is completely strange that Wells Fargo would put a foreclosure date less than 37 days before the date they assigned and then sent the letter to the Homeowner less than 30 days before the foreclosure date. We were told by Wells Fargo that they can't help us postponing the foreclosure date despite the fact that we are in the middle of short sale negotiations and to reach out to the Foreclosure attorney. Knowing that this is not how foreclosure processes work, we are appealing to CFPB in order to assist in postponing the foreclosure date. On top of this, the homeowner is dealing with a very hostile tenant and is undergoing a difficult tenant-landlord situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00}, U S DEPTOF EDXXXX XXXX XXXX : {$4400.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$150.00}, XXXX XXXX XXXX ( OriginalCreditor : XXXX ) XXXX Balance : {$89.00}, XXXX  XXXX : {$0.00}, XXXX XXXX Balance : {$180.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00}.
Product: Credit card or prepaid card

This account was opened due to fraud and I have no knowledge of it. I submittied a complaint and was only given dates of when this account was opened, charged off, and paid off and the thing is that I never ordered any items from them and never made a payment to these people. Giving me these dates wont resolve my problem and the fact that I never opened this account to begin with. There are numerous people having this same issue with this company and it is clear that they are not doing anything about it. I will get all my bank statements from the date that you guys claimed that I supposedly made a payment and maybe you will finally seee that I never made this payment you are referring to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report because I'm trying to buy a home and noticed inaccuracies and/or incomplete information and accounts that are Unverified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

15 USC 1681 Section 604, states the right to consumers ' privacy. Reporting agencies can not furnish an account WITHOUT my WRITTEN consent!

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even any or all the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety, or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : ( Closed Accounts/Charge-Off Accounts/Written-Off Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE LISTED ACCOUNTS!
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Mortgage

Contacted reverse mortgage company ( bank ) asking for the pay off on a loan after my Father passed away. I was told an appraisal was done. Appraisal was a `` drive by. '' No one entered the home. It sits behind a half acre of land. A `` drive by '' is not an accurate appraisal. Also, the home sits in a town that over 37 houses are in foreclosure due to a decline in employment. ( Oil field town. ) After speaking to a loan officer, I was told they were asking for the MAXIMUM amount they could on the home, not neccesarily what my Dad borrowed. Selling this house at their asking price is ludacris. I believe a law was passed in XX/XX/18 stating that they have to agree to let me ( trust holder or beneficiaries in Trust ) sell his house at FAIR MARKET VALUE. Asking for more than he loaned is not only unfair, but lying about the amount we owe is also unfair. No one will tell me what the pay off ( amount of reverse mortgage ) actually was. No one will do an accurate appraisal. No one will return my emails. Complete ridiculous and I'm sure a law is being violated here. I have rights to have complete and full disclosure to all information in order to try to sell and pay off the borrowed amount, not what the bank would like to make.
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep calling it is a credit management service they call three time a day I did get one of the mans name it was XXXX XXXX. They are calling for XXXX XXXX XXXX XXXX XXXX, Cal. XXXX. The call is routed through XXXX .. now they have changed phone numbers and that have a women calling. We have cut off our answering machine on account of them. Is there anything we can do. We have never used these people we have very good credit.
Product: Credit card

Three lines of business with wells fargo 1. Loan for a new boiler and mini splits for my house that had an 18 month no interest loan component to it. I made the initial instalment payment via my wells fargo checking account. The next installment payment wells fargo pulled the full amount of the remaining ballance of the loan around XXXX i called and said i was on an installment plan and they refunded me the money to my account. A few days or weeks later they again pulled the full amount of the loan remaining which was around XXXX. This time they didn't refund me my money and said it was my fault and it was how i set the loan up. I never set the loan up. It was set up via XXXX the XXXX XXXX  i got the boiler and mini splits from. I didn't have the full XXXX in my checking account but had around XXXX in it which would easily cover my bills including the installment payment of XXXX for the new boiler system. Since i didn't have the full amount they went into my credit card for over draft protection and charged me an over draft protection fee of XXXX and a a few days later XXXX dollar late fee. I've since paid off the full amount of the loan cause i'm so sick of dealing with wells fargo. They waived the late fee ( not sure how i can be late as i paid everything off ) and are saying that i still owe them the overdraft protection fee of XXXX dollars. I refuse to pay them the $ XXXX dollars because it was their mess up that caused me to over draw in the first place. Wells Fargo assigned three investegators each representing, from their perspective ) a line of business. So 1 from the carrier loan, 1 from my credit card and 1 from my checking account. Instead of them viewing it as one problem they're incorrectly looking at the agreements between the various lines of buisness. None of this would have happened if they wouldn't have pulled the full loan amount out of my checking account and we would have just done the monthly interest free loan per our agreement. I've been into the branch 2 times and the bankers there just say sorry and we're not sure whats going on. They make inquiries and then hand me the phone at the bankers desk so i can talk to somebody thats supposed to be handling things. The investigative group is in way over their head in terms of understanding things and clearly have guard rails put over them and everything is a process driven result versus actually looking into the full picture of whats going on. They're also based out of the XXXX  so any communication i have with them has to be over the phone. Otherwise the branch i go to says their is nothing they can do. Its inane and frusterating and a big waste of my time.
Product: Credit card

Navy Federal credit Union is not taking payments on time. Which they are increasing their interest rate and fees. Moreover, they are violating the agreement of my accounts. They are routinely reporting negative information on credit profile. A violation of the credit laws
Product: Debt collection

This person has called my employer, myself and my wife. She is relentless and sneaky. When I returned her call she said she " couldn't find my file ''. We have NO clue what debt she believes we owe, but the amount of phone calls we've recieved is ridiculous. She told my boss " I would know who she was '' .. which I don't. We have no idea what debt she's attempting to collect and request to file a formal complaint for violating our consumer rights. The person calling is calling from XXXX and says her name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt validation request was sent onXX/XX/XXXX to credit collection agency to provide signature/contract and other documentation that would validate this alleged debt as mine. Received a response from the collection agency onXX/XX/XXXX that did not validate this debt or send any type of documentation to fully support their claim that the alleged debt owed is mine.
Product: Debt collection

Ive paid my debt through Columbia recovery XX/XX/2019 and Im still getting that I owe them from every credit agency.
Product: Student loan

I received a education loan from Chase Education Loans Dept., which was already terminated between XXXX and XXXX ( I cant remember the year ). I found out this year, through my tax accountant, that chase turned the loan into " taxable income '' in XXXX, but I was never notified. Fast forward to this year, when I got into XXXX school at XXXX XXXX XXXX XXXX XXXX, and I tried to get a Federal Direct Plus loan, and was denied. The people at XXXX XXXX XXXX, gave me an account number to investigate through a free credit report, which I did. I received the credit report results on XX/XX/XXXX, and it clearly shows that the loan is in limbo, and it is listed as " charged off ' status through Chase. The investigation/ report provides an address and phone number for Chase as the lender. When I tried to call the number listed in the report, it is no longer valid. So I spent 6 hours today, speaking with XXXX, the collecting agency Chased initially told me had the loan, and they could not find it. Then I tried to speak to Chase and they initially told me that they have no info. In other words, XXXX claims they have no info on the loan and asked me to contact Chase ; and Chase claims it has no info on the loan, and asked to contact XXXX. I am completely in Limbo. All I am trying to do is start a process whereby I can start repaying the loan. Finally, after 6 hours, I spoke to a rep. from Chase internal credit beaurue specialty dept., who launched another investigation, which takes about 7 days for the results to see where is the loan and find out what  happened. 
I feel this is extremely unfair to me, specially since I have been a Chase costumer since XXXX. I would like to file a complaint against them.
Product: Debt collection

This debt was paid in in full and a debt consolidation company and the balance was paid in full and theyre saying it wasnt on the credit port. It says charged off, but wasnt taken off my credit report.
Product: Credit card

I filed an complaint with Barclays bank of Delaware on XXXX, I advised Barclays that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, XXXX. 
As of today XXXX, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRAConsent to publish the description of what happened? Consent providedIssue Customer service / Customer relations
Product: Credit reporting or other personal consumer reports

I discovered some instances of old accounts for which are unlawfully displayed on XXXX credit file. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. The following account ( XXXX ) with US DEPARTMENT OF EDUCATION, account number ( XXXX ) XXXX, XXXX, XXXX should be DELETED from EXPERIAN. I request a thorough investigation into these discrepancies and urge you to provide evidence of why the information on any and all consumer profiles are not the same or accurate. If unable to furnish such proof, I demand that these accounts be promptly DELETED to reflect their true status.
Product: Vehicle loan or lease

I called about get information on how there car loan program works sounded good applied only for that I was denied the loan told that I qualified for XXXX secure loan. I was assured no money would be on HOLD. BUT 24 hour hold on funds TO MOVE TO A SAVING ACCOUNT AND WOULD BECOME AVAILABLE ONCE THE FUNDS IS IN MY ACCOUNT LONG STORY SHORT THE REPRESENTATIVE MISLEAD ME AND SEVERAL OTHERS UNTIL IT WAS TO LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a letter to TransUnion in regards to two unauthorized hard inquiries that were place on my credit report reported by the same company named XXXX, first one was dated XX/XX/XXXX and second XX/XX/XXXX. I did not give permission for XXXX to pull my credit. I requested TransUnion to delete these two inquiries from my credit report immediately which still has not been done. I've made several attempts to have TransUnion to honor this request. Upon speaking with different representatives and the fraud department to investigate this matter I was told that I had to file a complaint with the FTC/cfpc before they would remove these two hard inquiries. I am now reaching out to you to help me to have this matter resolved asap! I also want to state that I sent TransUnion documentation explaining in detail my concern and resolution that I'm seeking. This was sent by cerified XXXX mail. I received receipt of delivery on XX/XX/XXXX that my letter had been received by TransUnion. 
Thank you for your attention to this request, US citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting for Experian to increase my credit score for months. I have been at XXXX since last year sometime. XXXX and XXXX have kept up with my credit activities I am at over 600 points with them and Experian has me less than XXXX points from the others and they all should be around the same. They don't report info as they should and the other credit bureaus have been reporting my activities. Yet they ask for me to pay for a boost when I should not have to pay for a boost if my credit is being reported accurately through XXXX and XXXX. I have a credit card for over three months and it just took them XX/XX/2021 to update my records, falsy with a 3 point boost. REALLY!!!! and it's a {$450.00} dollar credit card. Then they having my credit showing like a {$0.00} balance instead of a {$450.00} credit. They are literally affecting my lively hood. I just took out a loan for XXXX XXXX from XXXX  site, got {$1000.00} they didn't report it. My sister added me to her XXXX XXXX and XXXX XXXX cards and they say every 30 days, yet it's not there. I tried to take out a XXXX XXXX card from my email, not knowing Experian was the credit check and Experian email me quickly letting me know of an inquiry staying on my credit, but can't report fresh accounts. I feel like I'm being discriminated against.