23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have made payments to my student loans under the " Public student loan forgiveness program '' as I am a XXXX XXXX. I have sent in numerous employment verifications to this company as they have lost them. I joined the program on XX/XX/XXXX. to date I have made near 45 payments that are qualified which means according to the companies own website as, " The Public Service Loan Forgiveness Program is a federal program that forgives federal student loans for borrowers who are employed full-time ( more than 30 hours per week ) in an eligible federal, state or local public service job or 501 ( c ) ( 3 ) non-profit job who make 120 eligible on-time payments. '' I have done this in full compliance and have attached the payments made to XXXX XXXX   since my loans were transferred from XXXX XXXX to XXXX XXXX in XXXX. Prior to this I made the qualifying payments through XXXX XXXX which I have been unable to obtain thus far as XXXX XXXX will not get back to me with the calls I have made requesting my payment details, and the web site will no longer allow me to log in since my account is no longer active with their company. My qualified payments need to be updated and I have attempted for the last year and a half to work with XXXX XXXX to get this updated and they are incompetent in performing their duties. please assist.
Product: Mortgage

I started the refinance process with my current lender back in XXXX 2016. After submitting all of the requested information in a timely manner, they informed me that too much had passed and that I needed to start the whole refinance process over again. 

I resubmitted all of my information once again and after repeated attempts to check the status of my refi, I was finally informed that the person I had emailed all of my information to " was on leave '', then later " got into a car wreck '', so I once again, had to submit all of the same information I had submitted months ago. 
Recently, they 've begun requesting further information beyond their original requests, have led me on by saying my loan is " approved with conditions '' they keep changing and meanwhile, interest rates have risen and they continue to ask me for documentation I 've already submitted. Again and again. no financial institution should be allowed to waste a customer 's time in this manner presenting false hopes of reducing their mortgage payments.
Product: Debt collection

They call shortly after XXXX and again usually around XXXX. There have been a few days where I have received XXXX calls from the same number as well, each time the same situation. 
I answer the call and the caller hangs up. Nothing is said from the calling party.
Product: Mortgage

I have a Nationstar Mortgage account, I just realized that they increased my monthly payment, because their guidelines allow them to do that, based in amount that they want to have as a " cushion ''. I never received any communication about it. I have requested that they need to remove the referenced " cushion amount '' which was never authorized.
Product: Credit reporting or other personal consumer reports

Bright app charging my debit card {$39.00} which I did not authorize nor did I get a warning email beforehand. Ive asked them to cancel my account and refund all of my money back. This has caused my bank account to overdraft due to what theyve taken out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted earlier this year by a person claiming to represent XXXX stating that I had a past due balance on my account. At that time, I was unaware of any balance due, and had already turned in this leased vehicle to the dealership months earlier, in favor of a renewed lease on a newer vehicle. While speaking to the agent on the phone, I logged into my account at XXXX, and saw that I have a {$0.00} balance. My most recent statement for this account was dated XX/XX/2019 and showed Total Amount Due {$0.00}. 
Considering I had an unknown person calling me unsolicited and asking for money, while giving me conflicting information from what my online statement showed me, obviously this raised red flags. The agent was unable to tell me why my online account showed no balance due, or what the amount owed was for. The agent advised they would mail me an invoice showing me the balance due, which I agreed to review and pay if it was in fact legitimate. 
This invoice never arrived. I have still yet to receive any piece of paper showing what the balance owed is for. 
Moving forward, I have been in the process of refinancing my home. Earlier this month, my mortgage broker advised me that they noticed a sharp drop in my credit score from one day to the next. I immediately reviewed my credit report to find that XXXX reported my account as seriously delinquent, for a vehicle I had turned in more than six months ago, and for an account to which I have no statement showing I owe any money. To add to this, my account was enrolled in autopay, which served to pay any balance for the duration of my lease. Any money owed should have just been debited from my account, but that is not what happened. 
I have since attempted to resolve this matter with XXXX XXXX XXXX over the phone over multiple occasions. I was transferred, hung up on, and lied to. I was told I would receive a call back from a manager within 72 hours, only to find out a week later that no managers make outbound calls, and that there was no record of that request on my account. 
I have since paid the balance due, despite still not seeing any invoice to indicate what it was for, as my concern for the $ 300+ dollars that I was told I owed is far less than the impact this has taken on my credit report. I have worked very diligently throughout my life to maintain a flawless credit score, however this incident has taken me from over 800, to in the 600s at the time of this writing. I am in the process of trying to refinance my home, and this incident is severely impacting my ability to do so, and in turn costing me FAR more money than the {$300.00} XXXX requested ( and in turn received ) from me. 
I have now sent a letter in writing to XXXX, as I was told this is the only method I am able to communicate with their disputes department. I initiated a dispute with Transunion when this first appeared ealier this month, however just today this has now appeared on my XXXX   report as well, despite having already been paid! 

I have attached the most recent statement I have for this account.
Product: Mortgage

We did not receive, nor is there record of, escrow analysis for years XXXX, XXXX or XXXX and now our mortgage has gone up approximately {$700.00} per month despite being in a fixed rate product. Our property taxes and insurance rose marginally and PMI is on a steady decline. Yet, we have a negative escrow balance of nearly XXXX and PennyMac wants us to pay approximatey {$4600.00} to true up the escrow account or continue to make our increased monthly total. It shouldnt come as a shock that when someones budget on a fixed rate mortgage starting at around $ XXXX is completely and unreasonably stretched nearly 7 years later when the mortgage is $ XXXX. Since we did not receive, nor did PennyMac perform, escrow analysis for 3 consecutive years we feel this is an unreasonable encumberance to our family and feel they shoulder a great deal of liability in this severe an oversight.
Product: Debt collection

WFBNA CARD consistently calls after I ask for signature proof of me a agreeing for a debt
Product: Student loan

To whom it may concern, My situation, like so many others, seems hopeless and endless in dealing with Navient Student Loan company. Over the years, I have attempted to repay student loan debt only to find myself with more fines, more interest, and rising monthly payments beyond my ability to meet. I finally in desperation contacted the student loan ombudsman group who helped me in determining that Navient had arbitrarily doubled my student loan debt through a fraudulent student loan consolidation program. Upon attempting to resolve this issue with Navient, I have been met with outrageous bills, increasing interest and penalties, and gotten no further in attempting to resolve the issue. My credit has been destroyed, and financially I survive month to month. I am a XXXX American with XXXX ; I work as hard as I can, do not receive XXXX benefits from the federal government, and contribute at the level I am able given my limitations. I need advocacy in order to financially survive and find some way to escape the unethical and abusive practices of the student loan company, Navient. I hopee that you would please help me in my pursuit to become debt free and feel like I can live a normal life without the threat of financial ruin day to day. Can you help me? 

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

In pursuant to 15 USC 1681b ( a ) ( 2 ) which states " ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I, THE CONSUMER, DID NOT authorize the credit bureau IN WRITING to furnish my credit report to the following accounts listed : XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus XXXX TransUnion, XXXX, and XXXX ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Inquiry Date XX/XX/20 XXXX, Inquiry Date XX/XX/20 XXXX, Inquiry Date XX/XX/20 XXXX, Inquiry Date XX/XX/20 XXXX XXXX  Inquiry Date XX/XX/20 XXXX Inquiry Date XX/XX/20, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The collector requested money not owed and threatened to report the false debt to the credit bureaus. There is no debt! Medical bills were filed with XXXX and my XXXX XXXX and payment was rendered. Furthermore, I received nothing regarding the bills from the hospital that turned me over to the collection company. To resolve the issue, I had to spend time to find my XXXX and then fax the information to the debt collector. The girl I spoke with told me to find the information to prove to her there was no debt She stated that she could file an insurance claim if the claim had not been filed and she could receive the payment, yet she could not check with the insurance company herself to see that there was a claim. I do n't understand how she can get money, but ca n't get information from my insurance company! This is wrong!!!
Product: Checking or savings account

Couple of weeks ago, I tried to open a new checking account with Wells Fargo. The request was denied, and when I asked about the reason, the bank did not share and were not able to give me any information about the reason of denial. The bank said that I should receive a letter from the Consumer Protection Bureau explaining the reason. So far I did not receive any information neither by mail nor by email about the reason of the denial, neither from the Bank nor from CFPB. I appreciate all your help. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The last four of my social security number is XXXX. Please investigate the following information. XXXX XXXX # XXXX. The address for this creditor is incorrect, correct it or delete this account. The account type is incorrect, correct it or delete this account. The term duration is incorrect. Correct it or delete this account. The loan type is incorrect. Correct it or delete it. XXXX XXXX  # XXXX. Date open is incorrect, correct it or delete it. Date closed is incorrect, correct or delete this account. The high balance amount is incorrect, correct it or delete this account. The payment history is incorrect, correct it or delete this account. XXXX XXXX # XXXX Date open is incorrect, correct it or delete it. Date closed is incorrect, correct or delete this account. The high balance is incorrect, correct it or delete this account. The public record XXXX XXXX XXXX PENNSYLVANIA # XXXX. I contacted the bankruptcy court concerning this account and they told me they have no record of this under my personal information or social security number. They also told me they do not report anything to credit bureaus for no bankruptcies at all. I have also contacted the data furnisher XXXX XXXX and they also conveyed to me they do not have any information under my complete name, address, date of birth and full social security. Please remove this Public Record of my report for false reporting.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The foreclosure that was placed on my credit report erroneously, by XXXX XXXX for a property that was not mine nor did I have a mortgage for it. foreclosure is on my credit report is false and needs to be removed.
Product: Credit card or prepaid card

I have a Capital One Venture Credit Card. On XX/XX/2020, Capital One reduced my Credit Limit from {$15000.00} to {$5000.00}. The stated reason was low usage of the card over the past two years. I have missed no payments. I have had no overdrafts. My credit score on XX/XX/XXXX was XXXX. 
I use this card for international travel. I have been stuck at home due to XXXX and then the pandemic thus low usage of this card. Of note, {$5000.00} will not go a long way, if you are stranded overseas. 
I called Capital One on XXXX and spoke to XXXX. I explained these circumstances. He indicated that many people were " shocked '' by the credit changes. But his instructions were that the change can not be reversed. 
This action will adversely affect my credit score and potentially my ability to obtain credit. It renders harm.

There are two classes of consumer affected by this action ; 1. Consumers, like me who have the means to cancel or just not use this card and extend the credit limits with other cards. This will cause a temporary blip in credit score, but likely no long term effect. Still based on the usual assumptions of consumer reporting, this is an unprincipled practice signaling deteriorating credit. 
2. Consumers who have been adversely affected by the pandemic and who do have a change in means. These have been responsible and have not run up debt. Thus, their credit risk is limited. Still, they can not change out cards. These consumers are obliged to use Capital One services and no others. This is an unfair business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

An investigation was completed on my credit report Completion Date XX/XX/XXXX. 
Report Number XXXX. Item was deleted on my report and placed back on my report. I reached out to equifax on XX/XX/XXXX and advised them that the items was placed back on my report. doing the conversation I was told that the Items was found and would be corrected. After waiting and updating my report several times. It has come to me as of XX/XX/XXXX, that the report is still stating that the items are still on my report. I am asking for my report to be updated and corrected.
Product: Student loan

I made 8 loan repayment counts that have not been counted towards public service loan forgiveness. I submitted a request for appeal to get these payments to count in XXXX of 2020. It is still in the appeal process without any date of when it will be done. I am nearing date of forgivenes if they would count these payments. MyFedloan servicing will also no longer be working on these loans in the near future and I'm worried that my appeal will not be completed ever. Also my counts are all off. I started repayment at the same time for all the loans but the counts towards forgiveness are not the same somehow. There has never been an adequate explanation for this discrepancy. 
I have called many times and there is no new information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$970.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$2600.00} Debt can not be collected twice ; settled with original creditor ... unlawful and disgusting ... 
Original creditor has stated that they did not verify, and that they have it on record that my insurance carrier paid all XXXX accounts ... so why do you still report these? 


... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Checking or savings account

On XX/XX/2024 I went to The M & T branch in XXXX, Delaware to open an estate account on behalf of my brother who has recently passed away. I opened up a checking account and deposited a check for XXXX. I was told that the funds would be available in 5 business days. On XX/XX/XXXX I went to the M & T branch in XXXX, DE to withdraw the money from the account. The teller gave me the hardest time. She went to speak with the bank manager, then called the branch in XXXX to verify that I actually opened the account there. After about 20 minutes she made a statement " she's taking all of the money except XXXX. '' Ten minutes after her not being able to reach the manager at the XXXX XXXX she handed me a sealed envelope with a receipt that showed {$6400.00}. I placed the envelope into the bottom of my purse. I left the bank and proceeded to finish running errands. Later on that evening I went home. Took the envelope out and began to count the money and realized that there was a XXXX dollars short. I called the customer service line and reported the missing funds. The next morning I went back to the branch in XXXX and reported it to the bank manager who stated that she will do an audit since the teller wasn't at work that day. The manager stated that she would call me by the end of the day. About XXXX she called and said she didn't find any discrepancies and suggested that " maybe I dropped it. '' I was very upset and told her that she should check the cameras. I was shorted XXXX and needed to finish paying back the money for my brother 's funeral. I am unsure of what to do next. This has never happened to me before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ameris Bank sent me a copy of a payment history that has been made to this account. Yet nothing to show I am the person who is obligated to this debt. Ameris bank stated I owed them money for this debt, Since Ameris bank is stating I owe them money for this debt on ACCOUNT # XXXX. I am asking for documents to prove I'm obligated to pay this debt. I would like to see an account ledger that shows I have an obligation for this alleged debt. I would like to see Ameris Bank records of accounting/their ledger for this account, If Ameris Bank cant provide me their ledger for this account, which should show I owe them money they should remove this inaccurate account from my consumers report immediately, because I am not the person obligated to this debt. A BANKING LEDGER/ OR XXXX LEDGER ON THESE ACCOUNTS would show that I owe them money for this alleged debt. please produce them and I will have no problem paying on this debt. They've reported inaccurate accounts on my consumer reports for to long and are now responding to me like I am not the one inquiring about getting this inaccurate account removed from my consumers report.
Product: Credit reporting or other personal consumer reports

I dont know how I keep getting these hard inquiries on my credit from banks and loans I didnt authorize myself someone is trying to use my credit for bank accounts and loans and cars
Product: Credit reporting or other personal consumer reports

Equifax stated this bankruptcy was verified it provided no further details on how it was verified. The clerk of court stated they did not report any sick information and the data furnisher known as XXXX even deleted the information. This is my final attempt at getting Equifax to follow reasonable procedure outline in the laws established to govern the credit bureaus. Equifax is also securitizing my information for profit without my consent they are located on the New York stock exchange under commission file number XXXX this is putting my personal data at risk of data breachs.