23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXXXXXX XXXX XXXX I contacted Navy Federal Credit with questions regarding cash-out refinancing. I explaining to the representative my prior equity line loans with Navy Federal and how one of my equity loans went to collections and come to find out the allot from my paycheck was never applied to that loan and I had {$10000.00} just sitting out there. Fast forward everything was taking care the derogatory reports dropped off my credit reports two years ago. I tried applying for a credit card and was denied. Again, poor credit performance but I got a credit card with my other banking institution and XXXX XXXX. And all three credit bureaus have me as having excellent credit scores. 

The mortgage representative said let 's apply and see what happens. He would have to do a soft credit report to see if I qualified. I unlocked my credit reports and I was preapproved to proceed to a loan officer and a hard inquiry would be pulled from the credit bureau and of course my score would decrease. The next step a loan officer sent me an email and I received documents via XXXX. I had a few questions contacted the loan officer and she answer my questions. I sent my documents back via XXXX on XX/XX/XXXX. On that same day when the loan officer received the documents the credit denial letter had the same date and it was mailed on the XXXX, XXXX. Why put me through all of this process if they knew the were going to deny my application. I tried calling a couple of times left a voice message and no one has yet called me back explaining poor credit performance with navy federal. Yet, my current equity is paid up until XX/XX/XXXX and I am still making the monthly payments on time. I just applied for credit from two companies and was approved. I also, feel as though I am being racially denied an equity loan. I am aware of the lawsuits against Navy federal denying mortgage loans to XXXX XXXX XXXX XXXX XXXX. I just want an explanation on why I being denied credit when all three credit reports say otherwise. I am including all of that in my documents.
Product: Student loan

On XX/XX/ I made my student loan payment of {$290.00} and at the same time I received a notification that my next payment will be {$550.00}. I was surprised, from seeing how much my payment jumped in a short time, and I knew the payment would be too much for me because I just started a new job and was not making enough money to cover it and my expenses at the same time. I called my student loan servicer to weigh my options. They informed of the options and I thought that forbearance would be the best option at the time. They told me that my interest would capitalize. I can not recall if they mentioned how much that would be. However, later on when I thought about it and realized how much they would be adding to my balance, I decided it would just prolong my loans and make me pay more eventually. I decided to cancel the forbearance on the day before it was due to start. I called my servicer and they agreed with my request, but they said that I would still have to make the full {$550.00} payment. I agreed and made a payment via telephone. They said it should it automatically adjust and that I was good to go. No further action necessary. I also did an income based repayment plan and that also capitalized my interest. I did not realized it until a year later I noticed that the capitalized interest was not cancelled and I was still charged twice for utilizing one service. I called Nelnet and spoke to a representative. The representative saw exactly everything that we talked about previously in the account notes. She also said that she does not understand why the forbearance did not cancel and why I was still being charged. We had a short conversation about it and she informed me it was something she would have to discuss with management and would have to get back to me with an answer. At least six months have passed and I have not received an answer, nor have I seen any adjustments made to my account.
Product: Debt collection

I NEED HELP PLEASE! I have BEEN TRYING FOR MONTHS NOW! I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe in ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Student loan

I currently pay a Perkins loan throught the University XXXX. That loan is serviced through ecsi.net. Not only does this servicer assert that a perkins loan is not elligible for income based repayment plans ( with no explination ), it also can be paid with a credit card, which seems counterintuitive. Further, on a loan that does not show any compounded or accrued interest, I pay XXXX % of each payment to interest, on a 5 % interest loan with no explainitory documentation. For example, on {$160.00} of payments, I have reduced the total balance {$110.00}, with no documentation provided about where the other {$50.00} went, other than " interest, '' even though none of my bills list the interest amount accrued, or that interest is outstanding. For each {$40.00} payment, {$12.00} goes to " interest, '' despite no interest balance being listed anywhere on my total balance or monthly balance. Finally, there appears to be no way to pay online ( direct from banking account or otherwise ) without paying a service fee. I think the business practices of ECSI are questionable and need to be looked into.
Product: Bank account or service

We signed a contract to purchase a bank owned property or short sale. Property address : XXXX XXXX XXXX, XXXX, CT XXXX. Contract was signed XXXX/XXXX/16 and XXXX/XXXX/16. Repeated communications in regards to moving forward. On XXXX XXXX we were advised that it was assigned to a rep at McCue mortgage and we would hear something soon. On XXXX XXXX after we inquired we were told that additional documentation was requested by the seller the week before and the seller was obtaining information. We were advised we would hear something back by XXXX XXXX. On today 's date ( XX/XX/XXXX ) we were advised by the short sale negotiator that McCue is VERY slow and they are likely another couple of months from an approval. They have not finished financial review yet, based on the financials they have asked the seller for. They have not ordered and appraisal or title report yet. Short sale negotiator states that they have had at least XXXX files with McCue in the last year and they are taking way longer than most other lenders. We are desperate. We will not have a home XX/XX/XXXX. We need to know if we will be able to purchase this home by then. We have XXXX children and need an answer as soon as possible.
Product: Debt collection

I contacted ( 2 ) collections agents XXXX, XXXX and ERC who are reporting a negative account on my ( 3 ) bureau credit reports. I reviewed my XXXX  credit report in XXXX and found an account that is unknown to me. I wrote a letter on XX/XX/2018 and again in XX/XX/2018 to both companies who are both reporting at the same time. I explained in my letter that I had not yet used my credit in anyway and there should be nothing reporting on my credit I requested that both companies provide me with Full validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and all corresponding local state laws. I requested validation that is competent evidence bearing my signautre showing that I had or ever had some contractual obligation to pay. Because this account was fraudulently opened I insist that these ( 2 ) collections agents remove all negative marks found on my ( 3 ) bureau credit report files from your company and the company they represent. 

XX/XX/2018 after no response at all from both the reporting collection agents I worte to the ( 3 )  reporting bureaus XXXX  ; XXXX XXXX and XXXX  by certified mail and enclosed copies of the letter sent to XXXX, XXXX and ERC ( see attached document ) asking for validation that the information their clients are reporting is correct and that it seems that some one used my perosnal details to open up this accounts. I requested Full Validaiton and I have not yet had any reply.
Product: Checking or savings account

I applied for a online loan and they put funds into my account which was available right away but the amount they had sent was not what they told me that I was approved of. The date was XX/XX/XXXX and there was nothing that made me think that something was wrong because PNC bank made me think that it was cashed and available until a few days later they put a provisional credit for the same amount for what the loan was for and now that I have sent back the money to the loan company which I found out it was a scammed company I am out of my money and the bank is telling me that I am not going to be able to retrieve the money back because it is not insured for these types of problems. So, I asked the person from the bank so anyone one can just get money out of anyone 's account, and you will cash it but later on reverse it so that you all can make money. It seems like they are working with the hackers and scammers so that they can charge their customers overdraft fees and checks that they have cashed but later on make it a false check. I am XXXX and I had to cancel some very urgent appointments with my XXXX XXXX  which I have a serious XXXX coming up and I had to call my pharmacy and explain my situation so I can get my medications for my XXXX XXXX and my XXXX. All I want is my money back and them to make things right.
Product: Checking or savings account

This complaint is related to my XXXX XXXX ( CD ) with Wells Fargo. I contacted them on XX/XX/2021 via telephone to close out my CD account. I was told this is not something we can do over the phone that I would have to go into a branch office. I told them we don't have a branch office in my town and the account was opened online and I should be able to close it over the phone. They then told me I would have to send in a notarized request to close the account. I asked if it was okay to notarize the request myself since I'm a XXXX and they confirmed it would be okay. On XX/XX/2021 I contacted them to see what the status of my request was. They didn't have any information for me but did tell me that in order to close the account I would have to send a written and notarized request which should also include the affirmation that I was aware and acknowledged there would be an interest penalty. I asked if I could file a formal complaint because the two people I talked to before had not informed me of that. In the meantime I was able to download a preprinted request to close my account. I filled it out and had it notarized and sent it again today. Additionally I initialed the form acknowledging I was aware of the interest penalty. Today, XX/XX/2021 I received a letter stating that I had to resend my request and have it notarized. Additionally they wanted me to call and confirm my identity. After talking to two people yesterday neither one of them asked me to confirm my identity! I'm tired of the run around and just want to close my account out~ I am a senior citizen and I feel that I've been given much wrong information and I want others to refrain from putting money in a Wells Fargo CD XXXX  account. I'm attaching the original letter sent on XX/XX/2021 and the second letter sent on XX/XX/2021 and the follow-up letter received from them on XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$120.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$1200.00} XXXX  XXXX XXXX {$180.00} XXXX XXXX   XXXX {$230.00} XXXX XXXX {$140.00} XXXX  XXXX {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3300.00} XX/XX/ 15 U.S.C, 1681section 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 ) 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

AN ACCOUNT WSAS OPENED IN MY NAME VIA FRAUD, I ADVISED COMENITY BANK OF SUCH I WAS GIVEN THE RUNAROUND AND EVERY TIME I CALL THEY DONT GIVE ME ANY RESULTS
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account ( XXXX XXXX XXXX XXXX XXXXXXXX ) that was in fact paid in time. the consumer reporting agencies need to report all information with complete accuracy. I do not agree with your response on XX/XX/XXXX, XXXX so therefore I am now requesting to reinvestigate and provide verifiable proof with records showing that I had late payments. If verifiable proof and information can not be verified I demand these payments be updated to paid on time immediately or the account be removed. This inaccuracy has affected my report gravely. Thank you kindly.
Product: Credit card or prepaid card

Unfair decision or discrimination based on my personal credit history?. They closed my American express account XXXX for no reason and I reported to them that the last transaction was not my authorized purchase because of my credit card got stolen but they are insisting me to pay them with accumulating interest for months that im trying to disputing the charges. In addition, if my account was XXXX it should be cleared by now because its over 7 years or more they should remove it from my record thats the rules. I suffered enough for those years that i did not authorized the charges. My credit score is weak because of them and it should be cleared by now. I also recently applied for credit card through American express but they denied me twice. On XX/XX/XXXXXX/XX/XXXX AMERICAN EXPRESS CARD Declined. On XX/XX/XXXX DELTA SKYMILES OPTIONS CREDIT CARD FROM AMERICAN EXPRESS Declined.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

Acima works with a vendor ( s ) who sell faulty goods ; I purchased two necklaces totaling {$5800.00} ( paying on weekly basis ) on XX/XX/XXXX ; I entered the agreement on good faith, that the jewelry was in-fact real ; one month or so later pieces began to fall off and tarnish ; the seller made me believe it was real ; I contacted Acima to inform them that the jewelry wasnt what I expected for the cost ( via email ) ; Acima responded by saying, u have received this email because you have requested a return of the XXXX gold chain and charm silver necklace with stone leased through Acima, and initiated at XX/XX/XXXX XXXX In order to begin the return process and suspend renewal payments on your lease account, please do the following : Send pictures of all the leased property to XXXX include your telephone number ( s ), and email address, XXXXThis lead me to believe the actually cared about costumers concerns, especially with {$5800.00} cost tag. They later emailed me back after I sent the pictures stating that, Settlement : Acima can offer you a settlement of ( {$1400.00} ) ; This lead me to believe I was infact getting a refund, so I called to confirm my payment, not once did they say you have to pay us during the call, until i asked why would my card decline if i was receiving a refund. It was until then the stated no refund and you have to pay the settlement ; i then asked why would i pay for something that much that wasnt worth the money from the beginning ; I was mislead, I then told them i would call back at a later time to discuss my final discussion on how i would proceed with new information, I informed to stop taking paying from my account and that I would call back ( after my legal paper were sent ) ; but instead they continue to withdraw funds from my account without my permission, this constitutes fraud, deception, unfairness, oppression. ; i had to move the money in a different account so they wouldnt take it, overdraft fee accured ; Acima offers no protection to the client in the case of bad goods, kind of like a lemon car ; it was never a sold as is kind situation. I asked for a full refund. Acima contact XXXX ; violates 15 usc 1692, false rep of character amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I noticed several inaccurate accounts on my report. I reached out to the collector/creditor no luck. I sent another request to Experian to provide me with the docs on how they were able to validate the accounts. tHEY THEN SENT ME A LETTER STATING THAT THEY CAN NOT VERIFY MY IDENTITY OR ILLEGIBLE. I've provided the requested info several times to them and the other bureaus. The other bureau did comply per the FCRA. Iguess my question is how can the same documents/request be sent but Experian could not confirm me?
Product: Debt collection

I had account with XXXX 3 year ago with 3 numbers after leaving the company my account was $ XXXXbalance. XXXX also never sent confirmation that my account was {$0.00} balance after asking months after & years after years all till this day..Nothing! 


Recently I at looked credit report & saw there was an account of {$430.00} from DIVERSIFIED ADJ SVC from XXXX. I called & asked I was told that was a balance own from the last # on my account ending with XXXX moved but the new own could take care of the balance also on top of that they never told him that nor me XXXX just sent me straight to collection. Now my credit is being damage so badly now I can't get a good car insurance or purchase a new car for work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Equifax fail to delete fraud auto loans from my credit report even though I have submitted and identity theft Affidavit, police report, and my ID which is completely different from the one used to secure these loans my driver license number doesnt even match they still have refused to remove the inaccuracies and have sided with the auto loan company to which both are clearly violations of my rights as a victim of identity theft! On top of that Equifax is apart of the reason my data has been compromised as I was one of the victims of there companies major XXXX data breach and they still fail to help me resolve my identity theft issues which may have been from the affects of that breach. I have submitted multiple disputes all same results with credit companies.
Product: Student loan

To whom it may concern, I am currently on Public Service Loan Forgiveness ( PSLF ) and my federal student loans are serviced by Mohela. In order to qualify for public service loan forgiveness, I need 120 payments while working full-time for a qualified employer. I currently have 119 payments confirmed and counted, both reflected on my account login through Federal Student Aid ( FSA ) and Mohela. I should have 120, however, Mohela has incorrectly miscounted a payment for XX/XX/XXXXXXXX 
In XXXX, I received a letter from FSA stating that, " your account has been placed into an administrative forbearance ( meaning no payment is required ) for payments due between XX/XX/XXXX, through XX/XX/XXXXXXXX. .the months of XXXX through XX/XX/XXXX will count toward income-driven repayment forgiveness and Public Service Loan Forgiveness , assuming all other requirements are met. '' Mohela currently shows that XX/XX/XXXX is ineligible because my account was in administrative forebearance? This is incorrect since, as stated above, I was placed in administrative forbearance ( not by my choice ) and the notification I received from FSA clearly stated that the months XXXX XXXX would count toward PSLF. I called in to Mohela three times to try and resolve this issue and spoke to three different representatives who confirmed I should have received credit for XX/XX/XXXX and that I've reached 120 payments and qualify for forgiveness. I was told this problem would be corrected by end oXXXX XXXX 
This is unacceptable. I have completed the 120 payments needed for PSLF, and my account should be processed in a timely manner and loans forgiveness as I have met the requirements of that federal program. Mohela has consistently exhibited poor customer support, 2+ hours phone wait times, and failed to correct a rather easy oversight on their part to correct my account. I've completed my obligation to qualify for Public Service Loan Forgiveness and waiting for another 10-12 months due to their error and mismanagement, is unacceptable. 
Please help resolve this situation. I'm happy to answer questions you may have. Thank you.