23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hi, I have direct loans. I am trying to get the Public Service Loan Forgiveness. I consolidated my staffords into a direct loan in XXXX in order to qualify. I have been on the ibr plan and most recently repaye plan the entire time. I've been making timely payments the entire time. So, next year should be around my 120 months ' of payments. I've only worked for 2 employers, all fulltime, during this time, a XXXX XXXX   's Office and the California XXXX XXXX XXXX. I submitted my form for the XXXX 's  office for XXXX and CA XXXX from XXXX. Both were certified as qualifying employers. Nonetheless, my statement shows only 30!!!!! qualifying payments. I have emailed and emailed. All they say is the standard : we will review your account for qualifying payments and update the number. They have never updated the number or provided any information about the payments that they have not counted as qualifying. I've asked for that review and that information so I can backtrack through my accounts to find proof of payments or whatever it is that I need to resolve this issue. Whenever I email about it, they just send the same response again, as if I have not been emailing for the last 2 years about the same thing. There is no accountability and no standards for XXXX 's servicing of these loans or how quickly and accurately they calculate qualifying payments. Finally, I do believe that the problem stems from the time that my loans were serviced by XXXX XXXX before they were transferred to XXXX XXXX and that perhaps those records from XXXX XXXX are not complete or have not been reviewed. 
Second thing, they have now twice put my loans in forbearance without my request. I called about that too, and they claim that it is for my benefit. I've explained that it is not, as interest continues to accrue and the payments that I make during that time do not count as qualifying payments. The first time they put my loans in forbearance, I did not make the payment since it would not count. Then, I complained about it and they reversed it after the payment was well past due. So, when I paid, it was after the 15 days. So, this last time ( XX/XX/XXXX ), they did it again. I paid anyway, but I'm sure that payment will not count as a qualifying payment either.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX transferred the XXXX XXXX into their name as a repossession. However, prior to that XXXX XXXX accepted payment and returned the vehicle. Thereafter, XXXX XXXX refused to reissue a new title making the vehicle unable to be registered. No further payments were made and XXXX XXXX refused to pick up THEIR vehicle and it stayed on public storage until XX/XX/XXXX. When the property was sold ( location of vehicle ) the XXXX XXXX was notified and an abandoned vehicle report was filed. XXXX XXXX was noticed for auction and served twice and never expressed interest in the vehicle. Finally, the vehicle sold at auction in XXXXXXXX XXXX XXXXXXXX. However, XXXX XXXX continues, and for the last XXXX years, reports the vehicle 180 days late. Purposely, harming my credit.
Product: Credit reporting or other personal consumer reports

ONE MAIN reported an inquiry on my consumer report without fully disclosing to me that such information would be reported. They also failed to provide me with the option to opt out of sharing my information.
Product: Credit reporting or other personal consumer reports

i called experian to report incorrect information on my credit report. they told me to send proof i identification and a dispute letter. i di that via certified mail. they remove the information and later reattached the incorrect information back months later
Product: Checking or savings account

I have been trying to close this account for months now due to a companies taking out payments out of my account without my permission which is the same thing that Wells Fargo credit card company did to me as well they put me on auto pay when I did not request for that to happen so since this was happening I reached out several times to customer service reps to try to get them to refund the first overdraft fee and close the account down and the service fee so that way this would not continue to happen they denied my request over and over again they have helped me in the past but they are still denying my request saying that I am trying to bring the parts account to a positive status and close it without accumulating further charges Wells Fargo is causing me to go further and further in debt by keeping an account open that has no activity on it and charge me a service fee and overdraft fees for an account that has no activities on it I would like for this account to be closed and all of these unnecessary charges to be erased thank you. I have spoke to several several customer service reps has been escalated supervisor complaints have been written and I am not getting anywhere with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I signed up for Self in XXXX  and cancelled im XX/XX/2021 payments were always on time never past due and I close my account per my request and got a refund and on my credit report it shows derogatory and I never missed a payment and was never late. This is false credit reporting. If this isnt fixed I will sue!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my report that is not mine belongs to someone else, also there are names and addresses that do not belong to me. Reporting information that you know is inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Product: Debt collection

I received a copy of my XXXX  credit report and saw that XXXX XXXX was reporting I owe them {$640.00}. 

I sent letters to them in XX/XX/2018, certified mail ( tracking number XXXX ) which was received XX/XX/2018 and XX/XX/2018. In these letters I requested that they validate this debt. They have not responded but are continuing to report this inaccurate and invalid information to the credit bureaus.
Product: Checking or savings account

My previous Complaint ID # : XXXX was not resolved told to resubmit. On XX/XX/20 at XXXX XXXX I went to Bank of America in XXXX to uses deposit money to the bank only the ATM machine was available my checking account. The ATM machine showed an error message and made usual noise with deposit cash an error. I deposited XXXX in cash only to discover with the error machine to fine that only showed {$100.00} deposited. I filed a report with transaction dispute bureau through the Bank of America consumer service XXXX. XXXX, a transaction dispute representative, that I deposited XXXX dollar in cash only deposit XXXX dollar and willing to help. I contacted Bank of America consumer service XXXX spoken XXXX to find that the claim was not result. I opened my Bank of America app on my cellphone to find out I showed contact XXXX different from Consumer service. The account was closed with no reason why at that point. Bank of America XXXX told me that reversed the amount no explanation was given either. The Bank of America supervisor was not willing to resolve the issue told me that the bank is not going to resolve this transaction. I told the representative that if you go to ATM machine in person there will be a {$300.00} difference. I told today on XXXX that there XXXX XXXX XXXX XXXX XXXX Extension XXXX. I went through this already before there is an issue the transaction with deposit money into ATM machine in XXXX. I wanted the money back in the form of a check to my address. I would want a supervisor from consumer financial protection bureau to speak to Bank of America supervisor. There is a problem with the ATM machine. I tried this before with no help at all. The Bank of America ATM machine number is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX has put a fraudulent report on my credit ( Experian ) pretending I owe them money when I don't. In fact, they owe me several thousands dollars. 
In XXXX, I bought furniture with XXXX  XXXX XXXX XXXX XXXX. The money came out of my account, but wasn't sent to the furniture store. 
The then local bank manager paid the store by transferring the money from my account, but could not reach the XXXX XXXX department to get my money back. 
In XXXX, the bank sent the money back on a credit card. I misunderstood that the minus ( - ) sign before the amount ( {$6200.00} ) meant the card had the money on it as did a woman with the bank who told me to destroy the card. I did. 
After many, many conversations with bank reps, I was told I'd get a check. None came, but I have a statement showing the {$6200.00} on the card and a statement showing the amount was transferred and a check was sent, but no check arrived. 
Recently, I applied for a home equity loan with XXXX and was turned down for " bad credit '' ... .even though I pay my bills no later than two weeks after receipt. XXXX XXXX XXXX claimed I owe them {$350.00} which I do not. When I asked if I sent them the XXXX would they remove it, they said I had to ad bank fees and late fees and the amount was close to double... I sent a check and they still have the fraudulent report on Experrian. So, the bank has literally stolen my money and now put a totally false item on Experian damaging my formerly excellent credit. 
More recently, a XXXX XXXX called dunning me for things I didn't buy on cards with different numbers. I have a printed out scan of my cards and that statement showing the {$6200.00} was on the card the bank sent. I'd like to get my money back and have the erroneous charges on Experian etc. removed, not " charged off '' ... .... The bank has been unable to produce any singed sales slips and when I asked a XXXX XXXX for a printable list of what she's dunning me for, she came up with XXXX, XXXX... who I called..XXXX  gave me a print out on their message board that I haven't used their services and a person named XXXX at XXXX called me back to say I've never charged services with them on any XXXX XXXX XXXX cards.. I called XXXX  and spoke to XXXX who assures me that I've never had a XXXX  card ending in the numbers that I used when I charged stuff with XXXX in the past. 
In XXXX I met with a XXXX XXXX who literally blew me off by claiming the banks own statements are fraudulent I thought I'd try one more time to have the erroneous charges taken off my formerly excellent credit rating, now lowered by XXXX. I paid attorney XXXX XXXX {$500.00} ... first {$200.00} cash to discuss then he demanded {$300.00} to proceed. He needed to know who I spoke to at the bank. After taking my money, he said, " I do not wish to help you and you can not have your money back. So, the bank stole my money, extorted more with false reports on my credit and influenced an attorney to take my money and not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recent review of my XXXX XXXX I found numerous Hard Inquiries on my report that I have no knowledge of, or did not authorize .The following are the hard Inquiries that I have no knowledge XXXX : XXXX XXXX, XXXX, Equifax Mortgage XXXX XXXX XXXX, XXXX  XXXX Bank XXXX XXXX bank XXXX CB XXXX XXXX XXXX, Factual Data, XXXX XXXX funding, XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX, Web Bank ... XXXX
Product: Credit reporting or other personal consumer reports

Fraud accounts due to ID THEFT. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UD DEPARTMENT OF EDUCATION {$1500.00} Charges filed Officer XXXX POLICE REPORT attached, address, emails, current bank statement, FTC and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Date XX/XX/XXXX
Product: Mortgage

I traditionally take and make bi-weekly payments on my mortgage with Stearns lending so that way I can take and make an extra payment as well as so I can take and pay down the principal on the loan more quickly. 
I am not signed up for any bi-weekly payment plan and or service and have always questioned given the quick and easy method by which companies are able to take and receive and apply any payments that come with them why I should have to take and incur an additional cost when I can clearly show that my mortgage company by their own system is receiving my payments but they are are choosing to apply them to the loan on their own schedule thereby forcing me to continue to incur added interest while at the same time they are just able to sit on my money without any added return or benefit for me? 
I have provided a PDF of all payments that have been made every 2 weeks going back to XXXX/XXXX/2014.
Product: Debt collection

I received a call at XXXX CST XXXX/XXXX/2016 from XXXX, when answered, there was no one on the other end of the line, then the call disconnected from the caller 's end, forcing me to call back. When I finally got in touch with someone, I do n't feel they properly verified my information prior to disclosing what the call was regarding, then proceeded to attempt to collect a debt that is no longer in collections on my credit report. I view my credit report monthly, and can assure that this particular item fell off months ago. I advised the representative that this was no longer listed on my credit report and did n't want to be contacted again. I also filed 2 different change of addresses forwarding all mail from my previous address to the XXXX XXXX that I had, then to my current residence. I did n't receive any mail regarding this account after I moved, even though they should have received notice of the change. I then received a call from XXXX at XXXX CST XXXX/XXXX/2016, when answered, there was no one on the other end and the call disconnected from the caller 's end, again forcing me to call back. Called in, and rather than repeating myself with all of the same information listed above, I told the person that they have the wrong number. I should n't have to lie about who I am to get unwanted calls to stop. I work in a business that has to be up to date on collection laws at all times, and if the customer states that they do n't want to be called, the company is responsible for maintaining that request, not calling from another call center across the continent.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the CFPB findings against navy fed for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out my XXXX round of disputes and they still have yet to remove or respond any Information back. I have also spotted many inaccuracies and XXXX  violations which is affecting the banking system and I am reaching out to the XXXX as an agent top remove this fraud information from my report.
Product: Checking or savings account

I try to open a account with a Wells Fargo They said they will send a letter in 10 days letter came in no reason
Product: Credit card or prepaid card

A claim I submitted to Bank of America for the non refunded portion of a XXXX tour package using my Bank of America Premium Rewards credit card was denied. The card has an annual cost of {$100.00} and offers travel protections. The tour was to begin in XX/XX/2020 with the main attraction attendance at the XXXX XXXX XXXX XX/XX/2020. Due to the Covid-19  pandemic, the passion play and tour were canceled. I, as an XXXX-year-old person, was required to quarantine in my home. I canceled my tour package and received a refund from XXXX XXXX for 80 % of the tour cost. The tour cost was {$5900.00} and I received a refund of {$4700.00}. I believed that the Premium Rewards card should cover the non refunded portion of the tour package ( {$1100.00} ) because the 10th item on the credit card agreement specifically states that " a covered person is insured under this policy ... Quarantine of covered person ... a physician or by a competent governmental authority ''. A claim I submitted was denied on XX/XX/2020, because the event I was to attend was canceled, but my cancellation was significantly due to the Covid-19 quarantine imposed in the state of Georgia.
Product: Credit reporting

TransUnion has discriminated against me by listing items on my credit report that occurred because I was emitted in a VA XXXX as a XXXX XXXX veteran. These items which do not belong on my credit report have prevented me from receive credit by many companies and have cost me because I receive higher interest rates on credit and loans. I suffer XXXX and there are items on my credit report that are do to this XXXX and XXXX. I have attempted to clean my credit report with this firm to no avail.
Product: Credit reporting or other personal consumer reports

This is for PNC Bank Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX My mortgage was transferred from XXXX XXXX  to PNC bank and I was not properly ( The mail was sent to wrong address ) notified causing me to make the payment late since I did not know where to make the payment to. Then there was an issue with the auto enrollment, I had called the bank and you can check my call logs. 
I want the 30 mortgage late to be reversed since I have a 90 grace period during a bank servicing change to make payments. 

Please help me as i had cash in my bank and there is no reason for me to delay the Payment. Its not my fault.
Product: Mortgage

stop sending me emails about mortgages? iam a cash buyer, having lost ahome to fraudulent forclosure with over 50/ % equity in the house and stole by wachovia bank /wells fargo bank with over XXXX cfpb case claims against this was deliberate govermant act to decieve XXXX from the penshions and will fight for justice until the end of life, the cfpb have fined these banks for fradulent mortgage activity and stole home to order $ $ $ $ $ $ this was organised by the govermant as wells fargo bank was forced by the govermant to take over wachovia bank then the govermant told the bank what to do Fha insurance the cfpb have not passed any monies that they have collected from fraudulent activity committed by wells fargo bank you think this will go away and you blatently robbed XXXX people of there penshions and i hold you totaly responsable for your action it will come out in the wash? thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My account fully closed on XX/XX/XXXX, I had a balance of {$2400.00} in my account, I have recieved a check for {$570.00} but the remaining {$1800.00} check had remained unrecieved and Chase has not sent it over no matter how many times I have went to a branch to ask, it has been way longer than XXXX business days and it is still unrecieved as of XX/XX/XXXX
Product: Debt collection

I am unaware of this debt I didn't have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it and my signature. ( XXXX deleted this account from my credit report so Experian need to be in compliance and remove this account from my credit report )
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXXXX/XX/XXXX : The following inquiry was not authorized and should not be reporting. XXXX XXXX XXXXXX/XX/XXXX : The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXX/XX/XXXX : The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX : The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX : The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX : The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX : The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX : The following inquiry was not authorized and should not be reporting.