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

back in XXXX of XXXX I was in the process of closing on a new home the deal fell through because of lack of financial information my credit was good enough to get me thus far. but I was eligible to retry in XXXX so in XXXX I tried to pull my credit score an low a behold no credit score .... My loan company told me not to get anything on credit until I re-apply ... Now I don't have a credit score at all!!! how is this even possible or legally allowed it took a while to get my score even up i am a XXXX veteran!!! I'm not going to go out an buy things I know I can't afford!!! an for that I get punished ... my family an I are trying to buy a home an some numbers that's not right are stopping me ... I served this country an this is what they give back???
Product: Mortgage

My hardship began in XXXX, when the economy was at its worse. I lost my job in XX/XX/XXXX causing me to fall behind in bills until I found fulltime employment. When I found employment back then it still was not enough to cover all of my bills. I notified PNC Bank of my situation. We agreed to a repayment plan. I paid almost {$3500.00} and continued to pay {$1800.00} per month for 18 months that I have receipts for to confirm validity. PNC made an error on my account after paying the arranged repayment agreement. My payment plan was stopped in which I escalated to a supervisor for assistance to get back on my repayment plan. The supervisor restarted my payment plan back up. 
I paid every month as agreed. This plan began in the early month of XXXX and continued to fall XXXX. PNC made another error to the repayment plan stating that I owed another payment after the repayment plan finished. Once the payment plan was finished I made two months payments of the original monthly payment ( {$1200.00} ) before I fell behind. My payments were rejected and this is why we are here today trying to save my home. 
I am now employed with stable, fulltime, consistent income on a monthly basis. I am respectfully asking for you to help me keep my home as I have now owned since XXXX with a modification. 

PNC refuses to review and keeps closing it for review after they ask me to submit a modifciation. 
I escalated to the CEO of PNC name XXXX XXXX who sent it to his escalation team. The liaison name was XXXX XXXX. I was shocked on how XXXX handled this. SHe never reviewed the documents after confirming receipt. She relayed only messages from loss litigation or her contact person who was assigned to it. 

I faxed the modification packet and docs numerous times just for them to say the XXXX tax were not signed when they were so I resubmitted them again directly to XXXX of what was sent. I was also told that there was not 30 days of income and they wanted YTD income that was also submitted and resubmitted. I recent paystub was also sent so there were no issues. Yet, it was. XXXX sent a message to her contact person in loss litigation while we were on the phone letting loss litigation know the docs are there. I had to check back with XXXX on the status for her to tell me the same thing she was told. It was closed out for review. I had to ask why she said usually when its 2 weeks before the sale date it wont be reviewed. She also said it was already in denial. 

I was so confused of her position in this. I was shocked she never looked at the docs initially. She was also in charge of the modification being resubmitted. It was handled poorly.
Product: Debt collection

I am the cosigner. The options given on previous page, don't cover my problem. I contacted Lendkey Default Prevention Department on XX/XX/XXXX regarding a private student loan that my daughter let lapse years ago, wanting to know how to get the loan up to date. On XX/XX/XXXX they responded that the loan was returned to the lender ( XXXX XXXX XXXX XXXX ), every since that day I have been given the run around between Lendkey and XXXX. Lendkey then emails me on XX/XX/XXXX stating that the loan is being transferred to XXXX XXXX on XX/XX/XXXX. I telephoned XXXX XXXX XX/XX/XXXX and was told that they do not have the account. Just last week I called XXXX again and was told they had received the account, but it was then recalled by Lendkey due to the fact that no payment had been made in years. Today, XX/XX/XXXX, Lendkey is again saying they sent the account to XXXX. 

I don't know what to do, this loan is affecting my ability to purchase a home because it is showing on my credit as late. Please, please help me. I haven't been able to find anything on line that mentions my situation and who to contact. 

The unprofessionalism is unreal, for a company that collects monies to lose or misplace an account is sad.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Submitted request for verification of inquiries made and the inquiries are past the 2 year mandate time to be removed. See list of inquiries : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2019 we contacted US Bank regarding the amount of interest on a cash advance which we have no record of initiating. We were advised by the customer service agent that they can only go back 7 years and after review, can not locate any cash advance transaction on the account.  US Bank was requested to go back prior to 7 years and research any such activity. It is out position that we did not make such an advance and the charge must be fraudulent. On XX/XX/2019 US Bank responded that they could not find any record of the cash advance. This letter does not state they only went back 7 years to review. We asked US Bank to go back to the inception of the account. On XX/XX/2019 we requested an interest adjustment to this account for any and all interest or fees imposed since the initiation of this transaction. To day we have not received a written response to this letter. In a telephone conversation with a supervisor today we were informed that since US Bank could not locate the cash advance and that since we could not prove we did not make a cash advance they were not providing any interest adjustment on the account. It is our position that an adjustment in interest applied should be made.
Product: Payday loan, title loan, personal loan, or advance loan

Goodleap charged 35.74 % of dealer fee that I did not know when I signed the contract. I called Goodleap to negotiate lower the dealer fee. Goodleap refused to negotiate it.
Product: Checking or savings account

Wells Fargo first stated my personal property wasnt mine, allowed XXXX XXXX who was mistakenly hired by XXXX XXXX to steal {$500.00} from me, and never deliver the remaining {$200.00}. Upon perfunctory and cursory review, Wells Fargo has lost at least 5 lawsuits totaling billions of dollars each for defrauding clients. 

Their solution is indeterminate, a void contract, and a proven lie, false promises with no delivery, as they stated the check was rendered by me on XX/XX/XXXX when I was in the ER at XXXX XXXX XXXX XXXX in XXXX, AZ for XXXX hours due to a XXXX. They further stated my monies of {$200.00} would be returned after a fabricated 60 days following their chosen date of XX/XX/XXXX, whereas no check was received at my mothers address of XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 

Their track record, like XXXX, is marred with blatant corruption : lack of disclosure, fictional recounting of events, indeterminate and changing timelines with fallacious reasoning, and non-delivery without forced compliance.
Product: Checking or savings account

On XXXX XXXX, 2021 I received an email at XXXX XXXX  est stating that my account was charged a {$36.00} overdraft fee. At the time my account sat at a - {$0.00} balance. No overdraft fee is triggered until the account is {$5.00} overdrawn. The bank decides which transaction to authorize and which to refuse at their own discretion, according to the agent I spoke with. So PNC Bank decided to authorize a {$5.00} transaction on an already overdrawn account, which allowed them to charge me {$36.00} because I was over the overdraft limit. It appears that PNC intentionally authorized a withdrawal on an overdrawn account so that they could deliberately push my overdraft amount past the limit of being exempt from an overdraft charge, so that they could charge me {$36.00}. Additionally, the email I received notifying me of the overdraft was sent outside of business hours as was the time of the overdraft fee being charged, which I received 30 mins later. I was not given timely notice which would have allowed me to make a deposit, covering the {$5.00} overdraft. This appears highly unethical I would like the {$36.00} overdraft fee removed so thank I may make a deposit to cover the outstanding overdraft amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX You are in Direct violation of The Fair Credit Reporting Act XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have the rights to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never or gave anyone consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1200.00} DEPTEDXXXX XXXX {$0.00}
Product: Debt collection

I have received repeated letters and calls fro m Debt Recovery Solutions , LLC,   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , NY  XXXX , about a debt of {$190.00} alledgegedly owed to  XXXX .   XXXX  I have never been a  XXXX  customer and do not owe this debt.   XXXX  I have repeatedly told  Debt Recovery th is, both in writing and by telephone and demanded they furnish written copies of contracts showing I owe this debt to  XXXX . They have never complied with this and have never shown that the debt is in fact owed by myself to  XXXX .   XXXX  I request that this harrassment stop and that they cease reporting that I owe this debt.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Bankruptcy reported on XXXX & Equifax. This account is not on XXXX, so I want it removed. Also in the state of Pennsylvania statutory limitation is XXXX for bankruptcy on credit report. This was suppose to be off my report XXXX  years ago.
Product: Mortgage

My home was in foreclosure process. I went through Nc Homeowner Assistance Funding for help. I was awarded funding and they paid for my reinstatement. Now I had already been having issues with Bank of America customer service. The nchaf had paid over {$19000.00} on XX/XX/XXXX, for reinstatement and any fees that was owed on the mortgage account. They also are paying an additional XXXX months of mortgage payments, the last would be XX/XX/XXXX. In XX/XX/XXXX I was sent a statement bill saying I owe an additional {$380.00} fees. I had contacted my funding counselor, and I was informed that all debts and fees should of been already included in the first amount that Bank of America received, I then called back to Bank of America and discovered that now account statement balance had increased again to {$430.00}, when I ask about all these extra add on fees they couldnt explain and keep transferring to another representative causing me to start the entire inquiry process again. Now the XX/XX/XXXX mortgage payment is due, and my funding counselor informed me that a payment of {$850.00} was sent on XX/XX/XXXX, but the bank is saying that the payment wasnt received or that it may had been applied wrong. I keep trying to get some kind of understanding but they saying they cant pull up information due to that its not there department so now Im just getting transferred to person to person not getting anything resolved making my mortgage payment late. My issue where are my funds going and why are unexplained fees being added to the mortgage account.
Product: Credit card or prepaid card

On XX/XX/2022, I applied and was approved for the Barclays XXXX XXXX  Credit Card. The card comes with a sign up bonus of 80,000 miles and a {$95.00} statement credit after spending {$2000.00} within 90 days. I met the minimum spend requirement and received the 80,000 miles but not the {$95.00} statement credit. I contacted Barclays Bank via secured message on XX/XX/2022 to inquire about the statement credit and was told : We are pleased to inform you the statement credit has been processed and will apply to your account within 3-5 business days. However, 5 business days passed and I still didnt receive the credit. I contacted them again on XX/XX/2022 to inquire about the issue and they responded : A request to credit the {$95.00} acquisition bonus has been submitted. The next day, a credit of {$95.00} AND a reversal of this credit was posted to my account so I contacted them a third time on XX/XX/2022 and received a generic reply of : Were aware of the issue and are working to correct it as quickly as possible. Barclays Bank has been " aware of this issue '' for three months now, everyone who applied to this promotion has been experiencing this same issue. I don't know how many years it should take a big international bank like Barclays to fix a minor glitch. The deceiving responses I've been receiving from their customer service are unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/22 I have been on the phone with Experian since XXXX XXXX. I have never experience such lack luster customer service in my entire life like the customer service center of Experian located in XXXX XXXX. ( Sighs ) I have an account currently reflecting on my credit report for XXXX XXXX acct # XXXX. This account has already been removed by XXXX and XXXX. However, Experian continues to violate my rights and reports account. I even took the time out of my hectic schedule to upload the identity theft affidavit. On XX/XX/22 I was relieved when I received countless notifications that the account had been deleted. However, when I logged in today the account was still reporting. Several people in the dispute department informed me that their records show the account was removed. So they werent sure why it was still showing. They informed me they would transfer me to the fraud department. I spoke to several persons in the fraud department who informed me the account was deleted. Im drained from this and feel like as a consumer Im being abused Ive even recorded phone calls to show how rude the reps were ESPECIALLY XXXX!!! Ive attached the online results showing the deletion along with my identity affidavit Im asking that Experian for once adheres to the rules and I pray the cfpb launches a investigation into Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a PayPal/Synchrony Bank card that was settled through a settlement with XXXX XXXX on XX/XX/XXXX of XXXX that I have disputed with the company and the credit bureaus that has not been updated to show that it was paid in a settlement I have the settlement letter and nothing has changed I want it to show paid in a settlement for less than the full amount and it will not update properly I also have an Amazon/Synchrony bank card that was settled with XXXX XXXX and that was paid and closed out by XX/XX/XXXX and that also was disputed to state paid for less then full amount and this also has not been updated and I have disputed this as well I have proof of both of these accounts to show that I owe nothing and they were both " settled '' and I want this status updated on all of my credit reports. 
It seems that Synchrony Bank is not doing their job and disputes are not resolving this either!
Product: Consumer Loan

I am so confused by the terms of this loan. I took out a {$1000.00} advance when I finished XXXX school to move on XXXX XXXX. I have made XXXX payments of over {$390.00} each ( XXXX ) against the balance, yet still owe {$830.00}. There is no ability for me to calculate how many payments I will make or when this will be paid off. The initial terms are worded in a confusing way, I had no idea this was going to essentially be debt slavery. I called the lender today to explain I could not pay another {$390.00} payment and they told me there was nothing I could do to postpone or stretch out the payment. I currently have no money because of this. No money for food or life essentials. The company provides no repayment schedule, no breakdown of where my payments are going ( i.e. principal and interest ). It just takes huge payments and seems to apply very little to the balance. I 'm scared this will go on forever because it seems that the interest or terms are so high that it is impossible to payoff. This is usury and intentionally confusing. I have no idea when I can ay this thing off or how.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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: Student loan

I have been trying to finalize my mortgage. To do that I needed to show I was out of school ( graduated XX/XX/XXXX ) and get my loans consolidated to enter REPAY. I already consolidated my loans with Navient between XX/XX/XXXX-XX/XX/XXXX so I only needed to apply with the " add loans '' form which I did the first week on XX/XX/XXXX. I was sent correspondence from Navient on XX/XX/XXXX stating there is no waiting period to do this and it would be completed by XX/XX/XXXX. Since I submitted my REPAY apllication at the same time with my current proof of income, this would be done XX/XX/XXXX. I have spoken to Navient several times and received different answers. Now being told I had to wait up to 75-90 days ( depending on who I speak to ) for a consolidation to be done. Again, they also already confirmed the consolidation was completed months ago. Then today I received a coorespondance stating they put me into consolidation forbearance. I did not request any forebarence and have only been trying to get my payments established. I am to close on the home XX/XX/XXXX but can not do that until Navient has completed the add loans. I have been given multiple excuses such as they couldn't find the form, I can't establish repay on the loans until the add loans is done, they need to do another consolidation, there is no wait time for it, then a week, then varying months. It seems they are not allowing me to pay. They also claimed they took me out of in school status but the Dept of Ed still shows me in status. I was told they updated that on XX/XX/XXXX but as of today its not. I'm concerned that im unable to establish any kind of payments and they would take it upon themselves to put me into forebarence without even consulting or asking me about it, especially knowing I've bedn trying to establish a payment.