23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been working on PSLF for several years and this my student loans were with XXXX. This summer I was notified that my loans would move to Mohela. I submitted an employment verification form from a previous employer, XXXX XXXX XXXX XXXX, to qualify for TEPSLF in XX/XX/XXXX to XXXX. I was told it would be reviewed within 90 days and my counts updated. I was moved to Mohela in XX/XX/XXXX. I submitted an updated employment verification form from my current employer XXXX XXXX on XX/XX/XXXX. After not hearing anything about my initial employment verification form I submitted to XXXX, I resubmitted the XXXX health employment verification form on XX/XX/XXXX. Because the TEPSLF program had a deadline of XX/XX/XXXX, I resubmitted bother the XXXX XXXX and an updated XXXX XXXX form to Mohela on XXXX/XXXX/XXXX. I didnt get any correspondence from XXXX other than to say my forms were received and it would take 90 days for processing. In XXXX it showed my form from XX/XX/XXXX was canceled as a duplicate and the forms from XX/XX/XXXX and from XX/XX/XXXX were processed but they never entered the information for the employment verification from XXXX XXXX. I called Mohela on XX/XX/XXXX and spoke with a representative who stated that the XXXX XXXX form was cancelled in error because they didnt think the employer qualified. I confirmed with studentloan.gov that XXXX XXXX did qualify before I ever submitted the form form my previous employer to fill out. The representative double checked and agreed XXXX XXXX was a qualifying employer. She reached out to a supervisor and stated that the form would be put in for expedited review and I would have updated counts in 30 days. I checked my form status in XXXX XXXX and it says it was canceled, again. I called Mohela again. Let them know I have had multiple problems with this employer verification form. I submitted the original form to XXXX in XX/XX/XXXX and The information was never transferred over to Mohela as promised. I submitted it directly to Mohela on XX/XX/XXXX and that form was cancelled in error as a duplicate form because the original form was never processed. The form I submitted on XX/XX/XXXX was canceled in error because Mohela erroneously determined the employer didnt qualify. And the most recent expedited review was also cancelled. The XXXX agent agreed that there have been several issues. She saw they had previously thought the employer didnt qualify but upon review it did qualify. She spoke with a supervisor who agreed to do an expedited review and stated I would have an updated count of my payments within 14 days. It has now been 3 weeks and the expedited review has never occurred. They didnt resubmit my employment verification and keep sending me in an endless loop of waiting, calling, and erroneous cancellations. I am over 120 payments and qualify for forgiveness with the TEPSLF prior to ever transferring to Mohela if my forms would have been reviewed when I was with XXXX. This is causing undue stress and anxiety and wasting my time calling over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE RE-INVESTIGATE FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Product: Mortgage

in the process of refinancing my loan, of which we fell behind. I sent forms required by the mortgage company, filled them out, sent them ( fax ). this was XX/XX/2022. Mortgage wanted more information and complied three week later. Again in XXXX did not hear from the morgage company. They sent my an email dated the XXXX XXXX stating the process did not go through. I reapplied sending more of my personal information to reopen the refinancing process. First week in XXXX no update status. The mortague company is evaluating what i have submitted. On XXXX XXXX, the mortgage lawyers have sent to the court a citation of forecloresure to the XXXX XXXX XXXX court. This citation was issued when i and the mortgage company were negotiating restructure of my home loan. i owe {$150000.00} to the loan. It is policy to issue a foreclosure during restructure of a home loan? I am not trying not to pay, i want to continue live in our home. I have talked to the loan company, and it was said that the loan restructure is still in place and forclosure was delayed until an offer was given. I have talked to realestate Lawyer to help me in the proceedings.
Product: Bank account or service

I made a deposit of {$10000.00} on XXXX/XXXX/2016. The deposit was supposed to be for {$9500.00} but i accidentally added {$500.00}. The teller counted the cash while i watched. She came up with {$10000.00}. She counted the money again with the counting machine and came up with the exact same amount {$10000.00}. I knew I had added {$500.00} by mistake and went through with the deposit. No problem. I got my statement for XXXX and noticed a " correction to deposit '' for - {$520.00}. I contacted the bank manager. She talked to the teller and her excuse was that she remembered that she did n't count it properly while i was there but apparantly she came up with a different figure after hours. Called M & T corporate and was told they could n't do anything about it. I still have not got my money back. The teller thought she saw an opportunity to enrich herself at my expense. She is a THIEF and should be prosecuted! I have a bank deposit slip that was forged and signed by someone at the bank. I did not sign it! The bank is at XXXX XXXX XXXX. XXXX, Md. XXXX. Phone # XXXX. The managers name is XXXX?. The tellers name is XXXX XXXX.
Product: Mortgage

To whom it may concern, In response to your letter, which I received it on XX/XX/22. First and foremost, the account in question is paid in advance. Here are some questions that will explain my position. Therefore, I conditionally accept for the value your presentment and agree that I owe the amount indicated on your statement/note and alleged home loan, upon proof of claim that you can produce a valid contract making me liable ( Obligated ) for such a statement/note of a Bill and not a True Bill i.e. Invoice. So in order to confirm this, please provide the following ; If you agree with my determinations, I make timely demand that you notify me of the actions you have taken to correct your errors.
Product: Bank account or service

My EX took funds without my knowledge and concealed it via mail fraud, the amount is in excess of XXXX. 
PNC Bank is aware and has done nothing to hold XXXX XXXX accountable for such electronic criminal identity theft of me and economic harm.
Product: Credit card

On XX/XX/2023 three payments of {$200.00} each were deducted from my checking account but only two of the payments were credited to my account. Unable to get thru by phone I emailed customer service and none of their responses made sense even though I had sent them proof from my bank account that the payments had been made. 

When I finally got thru to some one the phone they puled the proof that I had sent via email and handled the dispute telling me it would take 72 hours and that if I didnt hear back to contact them again. Upon contacting them after 72 hours I was told that a letter would be sent to me and that I would have to wait for that, the letter came today. Nothing on my account at their website, no decision from the person I spoke to, no decision via email. 
As stated in my attached letter their resolution doesn't make any sense as they stated that I requested a transfer from " the account ending in XXXX ''. I don't have an account ending in XXXX and would like that clarified as the insinuation is that they are transferring the payment from one of my accounts to another. This company has no idea what customer service is.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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: Checking or savings account

I was victimized by a wire fraud transfer scheme. I received a text from the Fraud dept at chase ( I. now realize it was not really chase ) about an attempted fraudulent transfer from my chase bank account. I then received a call from a chase representative who explained my account had been compromised and I would need to close my account and transfer money to my new account. The representative claimed to be helping me with this. I believed I was talking to chase. In the middle of this call, I was disconnected. I called back to the number in the text message I received and tried to do a wire recall. I worked on that into the evening on XX/XX/26, but then realized I had been locked out of my account. It was not until the next day while talking about it to a friend who had listened to a podcast about this scam that I realized that I had been further scammed when I thought I was reporting the fraud. I then called real chase and made an official claim for unauthorized wire transfer. The fraudster cleaned out my account and sent all the money to an individual I do not know and did not authorize. On XXXX, I received a denial of my claim from Chase Bank. I spoke to a representative today, who told me I would be unable to appeal my claim. I know that this is an unauthorized wire transfer and under the Electronic Funds Transfer Act, Regulation E the Bank is not entitled to more than {$50.00} in liability against me, even if I unknowingly participated in the phishing scheme, as long as I report the fraud timely which I did. I want my money back. I did not authorize its transfer and Chase is wrong for denying my claim. I have also made an FBI complaint related to the fraud.
Product: Credit card or prepaid card

On XXXX, there was a Check Cash Advance in the amount of {$3500.00} that I did not authorize from my Bank of America XXXX XXXX Credit Card.Additionally , there was a Check - Transaction Fee and interest charged for this unauthorized transaction.On XXXX XXXX  I noticed this unauthorized transaction when I saw the electronic statement.I notified Bank of America XXXX XX/XX/XXXX of this unauthorized transaction and disputed this transaction.On XXXX XXXX  I filed a police report with the New York Police Department XXXX XXXX XXXX Case # XXXX ) of this situation.The police detective XXXX advised me to call BofA to gather more information on this transaction, i.e. who the Check Cash Advance was made out to.BofA refused to share any information with me and has notified me that my fraud claim has been denied via a recent phonecall and to wait for the written denial via mail. 

On XXXX, I received a letter from Bank of America though the mail. they denied my claim because : the merchant provided receipt ( s ) with a signature that appears to match mine. at the same day, I called the Fraud department request copies of the documents they used to make decision and reopen the case. However until XXXX, XXXX XXXX  still not received these documents. 

On XXXX I called the Fraud department again, one suervisor finally gave me the information of the this check made out to. I shared this information to XXXX XXXX though the email today. 

Even though this case under the research, but the Bank of America email me the statement {$3500.00} plus interest.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate information reported on my credit report by XXXX, which has now been sold to XXXX XXXX XXXX. The account Account XXXX shows a charge-off with a {$0.00} balance as of XX/XX/year>. I believe this reporting is inaccurate and incomplete for the following reasons : XXXX. XXXX XXXX XXXX : The balance was charged off, but the reporting continues to damage my credit profile without validation of the debt. I am requesting full documentation verifying the accuracy of this debt. 
XXXX. Sale to XXXX XXXX XXXX : Since the account was sold to XXXX XXXX XXXX, XXXX no longer owns the debt and can not legally report it. However, the charge-off is still listed as active on my credit report. 
XXXX. Violation of the FCRA : Under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure accuracy, completeness, and proper verification of any information reported to credit bureaus. Failure to do so constitutes a violation of my rights. 
I am requesting that the CFPB investigate this matter and that the inaccurate charge-off tradeline from XXXX be removed immediately from my credit report. This error has caused damage to my credit score and financial reputation. 


XXXX. Upload Supporting Documentation : Attach : XXXX ( XXXX ) of the account details and payment history. 
Any letters or responses from XXXX XXXX XXXX acknowledging ownership of the debt. 
XXXX. Submit the Complaint and Track It : Once submitted, you will receive a complaint ID and updates as the CFPB investigates.
Product: Checking or savings account

Bank of America restricted my account after I called to cancel my debit card I thought someone was taking money but I realized it was an online casino I play they use different names on the transaction by the time I received a new debit card it was declining purchases I asked what was going on no one has sent me any alerts I updated my phone two weeks ago on the mobile app I was told to go in person I went in person to a branch to show my id when she told me its nothing she can do because they have my account on credit in only.. I am in need my bills are almost due and no one will tell me how to clear this up. Ive told them theres no fraud I spent money on an online casino after I realized my account was locked. No one has sent as much as an email to explain why? I am not involved in anything illegal and everything I earn I work for I am an Accountant ( Tax Professional ) I complete 75 tax returns this year. I tried paying for several necessities and Im unable to provide for my XXXX XXXX without access to my account. Bank of America have stole from me multiple times and this time XXXX wont allow it. Money is always missing and the calculations are always wrong. Ive never said or did a thing I simply didnt have the time. Now Im asking please help me everything is in this account that I have to my name including my federal tax refund.. Bank Of America is terrible and no explanation or letter given I dont know when my account well be available so I can provide for my family..
Product: Credit card

I purchased appliances through XXXX XXXX and was offered a 12mo deferred interest credit card via XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) for said purchase. The card and all of its associated information/documents arrived, and the first bill & documents arrived shortly thereafter. The billing due date is listed as the XXXX of every month. 
I emailed the company requesting a due date change to XX/XX/XXXX ( inquiry # XXXX ) requesting a due date change to the XXXX of each month and was emailed back 'the billing service did not allow that '. 
I subsequently phoned on XX/XX/XXXX to speak to a live agent to ask for and request the processing of this request. Again, I was told this was not allowed. 
I resorted to reading ALL of my documents to find where it was written that I could not request/receive a due date change and there is nothing written/documented, that was sent to the consumer, indicating a due date change is prohibited. 
On XX/XX/XXXX ( inquiry # XXXX ) another email request for due date change, also annotating that their card documents Do Not state this request is prohibited was sent. The response was 'call customer service ' On XX/XX/XXXX I phoned customer service, was again told that this is not a task that will be done, the system does not allow it, AND that fact does not have to be disclosed to the consumer. 
I'm not asking for a lesser payment, loan forgiveness, and any type of balance reduction. I'm simply requesting a payment due date change to the XXXX of every month to accommodate my payroll cycle. It's XXXX, in the world of technology, with a consumer who Wants to pay their bill, how is this not possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person I'm a living human being. 
I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be remove according to 15 USC 1681. I have the right to privacy and I did not give equifax written permission to furnish these accounts. 

ACCOUNTSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is the 2nd time I have applied for a loan modification from Ocwen. I also applied when my loan was held by the company before them. The sole source of income to pay the mortgage comes from the rental income received monthly. Unfortunately, since the day I purchased the house the market dropped. I am not able to sell the house for a price that would get me clear from the loan. The market rents have increased over the past few years but the rent doesnt cover the mortgage, the taxes and insurance for the property. I have struggled since the day I bought this property. I am beyond frustrated and feel that the lender is holding me XXXX because of the 8.625 % rate that is accruing on my adjustable rate mortgage loan. I know Ocwen Loan Services can make the numbers work for me and them if they would legitimately follow the guidelines of this program. I know that the Loan Modification was made for people like me who were victims of these mortgage brokers out for a payday. I know that I meet now, and have always met the criteria required of the Loan modifications. I need your assistance as soon as possible to get the Ocwen to help me lower my interest and my payment so I can afford my mortgage payment. Without your assistance, all the paperwork Im sending to them for this modification will go in the trashcan. To date, they do not respond to any of my questions they just continually keep asking for more and more documents. They wont return my calls but after they say they have everything that is needed nothing changes and they ask for everything all over again. I have been going through this run around for over three years. Please help, I was able to get my other mortgage company to do a modification on my other loan. I appreciate all your help in advance and look forward to your assistance in this matter.
Product: Credit card or prepaid card

A while ago I applied to the XXXX Credit card which has a annual fee of XXXX dollars (1st year waved). I was not using my credit card as much as I originally thought when I first got it, so I decided to downgraded it.I called in before the annual fee was charged and was told by the costumer service representative that I needed to wait a full year and to get the annual fee posted so that they can downgrade my credit card to one with no fee, and not to worry about the annual fee since they could reimburse it or waived when I downgraded the card.So I follow his instructions and called in on XX/XX/XXXX (2 days after the annual fee posted) to downgrade my account. I asked once more if the annual fee was going to be reimbursed or waived and they told me the fee will disappear in a couple of weeks.Today is XX/XX/XXXX and the fee hasn't disappear. I called in and I was told they could do nothing about it and that I was my fault and I should be held responsible for that. So basically I paid XXXX  dollars for an annual fee of a card that I was able to use for less than 2 days.I feel like I was deceived twice by their costumer service representatives by misrepresenting information and now I have to pay for that. They costumer service representatives are really poorly trained, they misquoted their terms and conditions in every single interaction I had with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seeing a fraudulent and inaccurate inquiry on my Experian personal credit report made me have painful headaches. I then submitted a CFPB compliant ( XXXX ) ( Exhibit A ) on XX/XX/XXXX about a fraudulent and inaccurate inquiry on my Experian personal credit report. On XX/XX/XXXX, Experian responded ( Exhibit B & C ) to me stating that they will be removing/deleting the fourth inquiry on my identity report ( Exhibit A ( 1 ) ) which is XXXX - XX/XX/XXXX. The removal/deletion of that fraudulent, inaccurate, and unauthorized inquiry is their admittance to violating me pursuant to the Fair Credit Reporting Agency . I am owed {$1000.00} for that violation and I want Experian to send me what I owed by XX/XX/XXXX.
Product: Debt collection

On XX/XX/21 I sent a letter to Portfolio Recovery regarding a debt that I do not owe and a card I never signed up for. I sent this letter by certified mail receipt # XXXX by USPS postal service. I never received a validation with the items that I requested to prove that this debt was mine, and I assume that they never responded because you can't validate something that is false. I followed up with another letter on XX/XX/21 and still received no response to my request nor any validation that this debt belonged to me, which I mentioned numerous times in my request that this account was not opened by myself.
Product: Vehicle loan or lease

I had a XXXX in XXXX I spoke to gateway financial solutions several times explaining that I had a XXXX and asking if they had any programs for like hardship they said no and were pretty rude about my whole situation. I explained that I applied for XXXX XXXX  XXXX and it was pending. Only after being XXXX behind they sent me to the repossession people. I am basically living in my car because I had my XXXX in XXXX lost my apartment and everything I owned in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm basically living in my car.
Product: Credit reporting or other personal consumer reports

There are accounts that were opened as a result of identity theft and are reporting to my consumer file. There is also incorrect information that does not belong to me being reported, such as names, addresses, phone numbers and employment. My information was compromised and used without my permission. I have brought this to the attention of XXXX, XXXX and Equifax and submitted my ID Theft report along with proof of identity, however they are still reporting accounts and information that does not belong to me.
Product: Debt collection

I tried to see if I could work out some kind of plan with this company but they wont work with me to pay off the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a collections debt from my credit report XX/XX/2021 and the creditor has not had the negative remark or sent me a letter as requested numerous times to that affect.
Product: Credit card

I sent truist a police report and a affidavit I need these credit cards removed off of my credit immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a letter of dispute to Experian and they did not reply within the allowed 30 days.
Product: Debt collection

I have requested documents from the Bureaus! And I have been ignored!