23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received my credit report listing the following items I disputed. I have requested for several months Transunion to provide me proof of their verifying this accounts belong to me? If they can not provide me a Method of Verification then to DELETE these three accounts. 
This is my last request for them to delete these accounts from my credit report as it is hindering me from obtaining a home loan or any type of credit. Transunion has not denied me the ability to dispute these accounts online and by postal mail. I am requesting that they DELETE These accounts from my credit report as i have no knowledge of them and have never done business with these account holders.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 u.s.c. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. section 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Im not even trying to open any account and for some reason I got two similar random texts about a card number and then I had a debit card sent to my house today. Im afraid its happening again and Im getting worried someone is trying to steal my identity and mess up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Reporting inaccurate information. Duplicate account information, different opening dates. I am a victim of Identity Theft XXXX XXXX XXXX, need to REMOVE FRAUDULENT INFORMATION ASAP. Here is a copy of the Police Report Requested. Please remove within XXXX business days of this complaint date. Also, All three credit bureaus TransUnion, XXXX, & XXXX- Please remove asap. 

XXXX XXXX XXXX XXXX XXXX Account Status Closed Account Dates Date Opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XXXX XXXX Balance {$490.00} Balance updated XXXX XXXX, XXXX Original amount $ XXXX  Monthly payment- Past due amount {$490.00} Account name XXXX  XXXX  Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed I am attaching FTC Report, Police Report, Driver 's license
Product: Student loan

On XX/XX/XXXX, I submitted an IDR request to be moved to the REPAY plan so that I would be on the SAVE plan when it is released. That application was not processed for over XXXX months, so I submitted a new one. Both of those applications were never processed. The first one says it was approved, but I was never placed on the IDR payment plan. Since then, I have submitted XXXX more IDR applications ( for a total of XXXX ) with all of them being rejected as " Duplicates '' of the XX/XX/XXXX application. However, the XX/XX/XXXX application was not processed accurately.
Product: Bank account or service

Hello, Re-XXXX my name is XXXX XXXX XXXX, I have been paying XXXX mortgage through my checking account. I actually paid the full amount which was due on XXXX XXXX, XXXX, There is a problem with USAA lost Medication Department. ( XXXX XXXX ) has confirmed they have not received any payments. However, my bank which sends the payments. through electronic has confirmed XXXX has been accepting the payments. On XXXX XXXX, XXXX, I was on the phone with XXXX and my bank, and the bank confirmed the payment and the address. This information is recorded. so Please listen to the recording. XXXX XXXX has sent the letter from their research department ( XXXX ) XXXX confirming no payments have been made. Letters dated XXXX XXXX and XXXX XXXX XXXX. On XXXX XXXX I received my check uncashed from XXXX loss mitigation department. ( the check they say they did not receive ) photo attached. One thing Lost mitigation department can not lie about my electronic payments. XXXX XXXX actually sees the payments, XXXX XXXX has stated he will not send XXXX anymore funds all the funds will go to USAA corporate office. It is evident that someone at loss XXXX is trying to sabotage him. There is n't any reason for 5 payments received before XXXX/XXXX/XXXX and they are all lost and not received. The last electronic payment was returned, I have actually XXXX with signed confirmation to USAA Headquarters XXXX XXXX @ XXXX has advised no to do so. However, XXXX has lost faxes and payments. It 's evident there are issues. Here are all the payments sent. Which are {$2000.00}, {$200.00}, {$1600.00}, {$1800.00}, {$1800.00}, {>= $1,000,000} I believe these amounts take care of all the payment which were due. Now if XXXX XXXX sends them back and lies about it. XXXX XXXX actually have copies of the letters they have sent. She claims she ca n't listen to the conversation. It shows pure laziness and deceitfulness.
Product: Payday loan, title loan, personal loan, or advance loan

Sold debt and reporting inaccurate information to the credit bureau
Product: Credit reporting or other personal consumer reports

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CFPB DELETE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX amountXXXX  XXXX   acc# XXXX*capital one XXXX XXXX acc# XXXX XXXX XXXX XXXX
Product: Mortgage

I would like to reopen or at least reference Case ID XXXX. 
I have received no monetary compensation from this company for there predatory and misleading practices. 

Since opening the last case I have been working with XXXX XXXX phone XXXX EXT XXXX we agreed they would wave the inspection fee with the condition that they stopped providing misleading information about removing PMI. 

However, In the last month alone I have received two more calls where I was advised by PennyMac representatives that I can remove my PMI based on current market value. 

XX/XX/2022 - XXXX advised house is apprising at {$490000.00} on XXXX and I can remove my PMI without refinancing. 
XXXX XXXX XXXX again advised I can remove my PMI based on current market value. 

The company continues to provide unsolicited misleading offers about removing PMIs and then decline to honor those offers. This is misleading and predatorily as they stand to gain monetarily and informationily.
Product: Credit card

On XX/XX/year>, I XXXX XXXX attempted to request a paper application ( prefferably in large font ) for a Citibank secured mastercard. Although the website states ... '' To request a paper, large font or XXXX copy of any of these documents, call us at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we will mail them to you at no charge. '' When i called and requested Citibank denied me the paper application at both the application and customer service centers. I was told i must go into a branch location to apply. By doing so Citibank has been untruthful stating they mail out at no charge and also discriminating against me by insisting i go to a branch when other applicants are not required to do so in order to apply. Furthermore although Citibank did not send me the paperwork, they went on to ask for my personal information, attempting to receive consideration from me without giving any consideration to me
Product: Money transfer, virtual currency, or money service

I had a cash app account. It was closed by cash app due to violation of terms of service. I dont know what the violation is, was never told or given an opportunity to appeal the decision. I was given the opportunity to cash out the balance of {$940.00}. I unlinked all of my personal information from this cash app account. I attempted to cash out to my bank account. The funds were to be deposited in my bank account on XX/XX/2023. I contacted my bank and was told that the deposit was declined and sent back to cash app because it was coded incorrectly. I contacted cash app to reopen this account so that I may cash out my remaining balance. I have been told by cash app that bc my email was unlinked to the cash app account that I can not receive my {$940.00}. Ive tried everything they told me to resolve the issue. I have verified my identity, bank information and email address. They have no resolve or explanation. Ive spoken with 5 people. They will not allow me to speak to a supervisor.
Product: Credit reporting or other personal consumer reports

This is my 8th endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX Date : XX/XX/23 Action : When contacting Transunion to remove inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.
Product: Checking or savings account

Capital One direct deposits are not posting do to a " technical issue '' according to the little pop up when logged into their app. 
This has been an issue for 18 hours. 
Capital One has sent ZERO communication to account holders impacted. 
I have zero clue if autodrafts for bill payment, which coincide with my payday, will post. If not, I will incur late fees and harm in my relationship with the accounts owed. Requests for updates from Capital One have been ignored. The wait time for phone help is hours. They have no live chat, just an AI bot that's worthless. 
No update, no email, no nothing. 
18 hours. 
Online blogs are full of complaints that users can not access their money and are/ or are going to be in trouble. 
Please help ensure these companies do better.
Product: Student loan

To Whom It May Concern, I am XXXX XXXX, and I am writing to formally file a complaint against Mohela, with whom my account number is XXXX. 

Mohela currently manages my federal student loans. I am actively participating in the Public Service Loan Forgiveness ( PSLF ) program. In XX/XX/XXXX, Mohela contacted me, notifying that they had taken over the management of my loans from XXXX. They further indicated that my loans were listed under school deferment. This was surprising, as I never requested this status. I immediately asked for this deferment to be removed and for my loans to be shifted back to the COVID forbearance. 

I clarified that since XX/XX/XXXX, I have been enrolled part-time in a XXXX 's program at XXXXXXXX XXXX  XXXX which is fully sponsored by my employer. Furthermore, I have been working full-time and hence have no need for a deferment. Mohela promised rectification but failed to act accurately. 

Following events have raised serious concerns : Inaccurate Communication and Actions : XX/XX/XXXX : Received a letter from Mohela confirming the removal of the in-school deferment for the period from XX/XX/XXXX to XX/XX/XXXX and approving the COVID-19 Emergency forbearance starting XX/XX/XXXX. 
XX/XX/XXXX : Another letter from Mohela reported only XXXX qualifying payments for the PSLF, six payments less than my count. They had also reverted my status to in-school deferment. 
XX/XX/XXXX : Despite assurances in XXXX, Mohela claimed the period from XX/XX/XXXX to XX/XX/XXXX was ineligible for PSLF due to the school deferment status. Upon another request, they agreed to correct it, adding that I should complete an in-school deferment waiver form to avoid future discrepancies. 
End of XXXX : Received letters confirming the removal of deferment and approval of COVID-19 forbearance, as well as an update on my qualifying payments for PSLF, now listed as XXXX. 
XX/XX/XXXX : Yet again, I was informed of being put under in-school deferment. They reduced my PSLF qualifying payments to XXXX. I promptly uploaded the requested waiver form and reiterated my request. 
XX/XX/XXXX : A letter from Mohela stated I had made XXXX payments. 
XX/XX/XXXX : I was informed my loans were being considered for forgiveness. Yet, on XX/XX/XXXX, the website showed only XXXX payments and a reinstated in-school deferment for XX/XX/XXXX to XX/XX/XXXX, contradicting their prior communications. 
Suspected Malpractice : Considering the inconsistencies in Mohela 's actions and communication, especially with my loans due to resume repayment on XX/XX/XXXX, I am compelled to believe that these actions might be deliberate attempts to delay or deny my loan forgiveness and accrue further financial gain. 

Attached are all pertinent documents highlighting the correspondence between Mohela and me, which underscore the aforementioned issues. 

I earnestly hope this matter is looked into with urgency and rectified. 

Regards, XXXX XXXX.
Product: Credit reporting

Wrong name. XXXX incorrect. Not my name, please remove. Also length of credit history wrong. History is over 30 yrs
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I Noticed a fraudulent account on my report per following XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Onemain Financial is billing me for a XXXX $ loan that I never received, I never received the loan proceeds but they are stating that I still owe the full amount.
Product: Credit card or prepaid card

I they allow frivolous transactions that are hard to reverse. They gave me a credit, and took it back, I made a {$69.00} XXXX on XX/XX/2020 and got charged another XXXX
Product: Money transfers

XXXX is offered through Ally Bank, and through this service, I sent my daughter money thinking it 's safe to do so ( Ally payment # XXXX ). She, in turn, downloaded a XXXX app and entered her information plus a XXXX debit card number. She never received the money. In her conversation with a XXXX representative, she discovered that XXXX had completely different first XXXX digits of the debit card number ( wrong first XXXX digits were XXXX XXXX XXXX ) and only had the last XXXX digits correctly. XXXX asked me to file a claim with Ally Bank, but Ally Bank stated it can not help ( even though XXXX is a XXXX party product endorsed and made available by Ally Bank ). XXXX also asked my daughter to contact her bank and give them a XXXX Federal Reserve trace number ( XXXX ), but her bank says they can not help either. We asked XXXX to reverse the deposit that was made to the wrong debit card, but they said that can not be done. Ally bank states since XXXX deposited the money into the wrong debit card, Popmoney can also reverse that deposit. However, XXXX refuses to do so. I am thinking XXXX 's system may have been hacked. I have never seen anyone capable of typing first XXXX digits incorrectly but the last XXXX digits correctly. In addition, miraculously the wrong XXXX digits are part of a valid debit card number for some stranger.
Product: Payday loan, title loan, personal loan, or advance loan

Service Finance Company LLC is a subsidiary of Truist. They offer loans for HVAC equipment through XXXX XXXXXXXX XXXX XXXXXXXX based in Pennsylvania. We live in Delaware. During the estimate of the purchase, the financing was offered and the sales manager completed all the information through a online portal on his device. Providing us the contract and items through email for docusign signatory at that time/date. 

The loan was advertised as No Interest/No Payments for 12 months, upon application, it was approved for only 10 months. Interest would then go to XXXX or 12.99 % APR. Loan was originated on XX/XX/year> for install on XX/XX/year> of the equipment. 

Upon maturation of the loan on XX/XX/year>, payment was due on XX/XX/XXXX, and on XX/XX/XXXX the company called stating we were 5 days late and payment amount was {$590.00} per month. None of the previous statements provided that payment amount. I need to check the contract but I don't recall any of the payments being that amount on the loan servicing agreement or spelled out on the agreement. The loan is for 90 months. XXXX / month at 90 months is close to XXXX, way more than 12.99 % interest XXXX. It appears this is a daily interest loan which was not explained or stressed in the initial application and information from XXXX XXXX or Service Finance Company.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Capital Accounts. I requested a validation on XX/XX/XXXX as I do not believe that the account belongs to me and/or was not paid by my insurance. On XX/XX/XXXX I reviewed my credit report again which was updated to reflect that the account was being disputed however I never received validation of this debt nor HIPAA authorization from them. A 2nd validation request was sent out and when I reviewed my credit report again on XX/XX/XXXX the account was still reflecting on my report as disputed with no validation information received by me. Based on their failure to validate this account adequately I would like this account removed as this account is still reflected on my credit profile and continues to negatively affect me.
Product: Mortgage

XXXX XXXX, XXXXBank of AmericaXXXXXXXX, CA XXXXRe : Loan numbers XXXX & XXXXDear Sir/MadameI am in receipt of your letter dated XX/XX/XXXX regarding my home equity loan. 
I have been paying BOA since the loan originated more than {$40000.00} which is an incredibly unfair amount. Now you are telling me that I should either pay the whole balance or pay {$920.00} a month vs. {$300.00} that I pay now. My original loan was XXXX and now it has even gone up! 

If this is not highway robbery, I do n't know what is. I also pay my regular loan payment which is more than XXXX dollars a month. I have been paying more than XXXX XXXX dollars since the loan began in XX/XX/XXXX. 

How much does BOA need to make off of a good citizen? 

Are these numbers right? Or it is just robbing the good citizens of this country. This is my only asset in life. Do you guys want to take it from me and make your CEO 's richer than they are? 

Sincerely, XXXX XXXX XXXX XXXX XXXX 
XXXX, DE XXXX XXXX XXXX. XXXX XXXX, CEOBank of AmericaXXXX XXXX, XXXX Re : Loan numbers XXXX & XXXXDear gentlemen, I am sure you have no time to read a letter from a citizen, a number that I am among millions but I need to address this issue. For the last 4 months plus, I have provided all the documents necessary for a loan modification with BOA. I have paid over XXXX on XXXX loans ( in fact even more ) to your company and now even after 9 years, I have very little equity in my only property. 
I have had to deal with a sick young man-my son- who has been ill for the last 4 years, having to pay enormous amounts of bills for him. I lost my job in the midst of all that I went through. Yet, I kept paying without having built any equity. 
I have been tossed around by various " case agents '' of BOA, totaling at least XXXX so far after receiving the same packages every other day to no good result. Every other day, I am asked for more documentation which proves to me that BOA is not interested to help me but to advance whatever goal they have. 
How much does BOA and your investors need to make? 200 percent in gains or more? Your company has made billions and more in the last year, yet, it is n't enough it seems. 
I am not asking for a handout. I am asking to have my payments lowered so that I can pay it on time and without delay and build some equity. I understand that banks and mortgage companies need to make $ $ $ $ $ but what about people like me? Should I have the right to own my home-my only asset for my children or should I let BOA take it? 
If BOA can not give me a venue, then please let your number XXXX person to let me know as not to waste my time and theirs. 
Frankly, this has been the most frustrating experience so far. 
I need an answer and I need it sooner than later. I hate being tossed around like a yoyo by XXXX different people. 

Respectfully, XXXX