23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I reached 120 payments for PSLF and mailed my application to Mohela in XX/XX/XXXX. Mohela denied my application in XX/XX/XXXX stating that I have not yet made 120 payments, which is not accurate. I now have well over 120 qualifying payments. I called 3 different times in XX/XX/XXXX and was told 3 different answers, stating that it still takes time for the payments to be counted. I called again in XXXX and someone said they would send my account for review. In XXXX there was still no progress, so I called again and the woman said the last person sent it for review incorrectly. This new person sent it for review again. After a few weeks, 6 of my payments were correctly counted. However, I am still missing payments from my qualifying employer ( the XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX. One payment from XX/XX/XXXX was counted, but I am still missing 9 payments. I have called Mohela 6-7 times over the last 2-3 months to get this issue resolved, with no resolution. I am constantly placed on hold and having my time wasted. My forgiveness application was complete, organized, accurate and concise, and Mohela was still not competent enough to properly process my application or my payment counts. I have spent hours and hours on the phone with Mohela with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX* Balance : {$0.00}
Product: Student loan

We co-signed for our daughter 's student loan with XXXX XXXX XXXX ( loan is now owned by Citizens Bank ) in XXXX in the amount of {$19000.00}. She left school in XXXX and payments began in XX/XX/XXXX. 

Since then we have made nearly 120 payments ( almost {$19000.00} ) and the principal balance is still {$18000.00}. 

This seems like a criminal attempt to gouge a student ( and their parents ).
Product: Mortgage

I have had an ongoing issues wi th Stonegate Mort gage. In the fall of   XXXX   we fell on som e hard times and we ( me and my wife ) got behind on the mortgage payment. We were only one month behind but kept receiving bills stating that we were two and three months behind. Stonegate would n't accept a partial payment they wanted the entire three months payment even though we were only one month behind. Due to this circumstance, my mortgage went into to foreclosure. For five months I tr ied to get the correct balance to bring my mortgage current to no avail. So I withdrew  XXXX  from my mutual fund to bring my mortgage out of foreclosure. I called for  two months trying to get the correct balance to bring my account current. Stonegate sent me two  statements  one  for  XXXX  the other for  XXXX . I paid the higher balance because of  Stonegate 's history of shotty record keeping. After receiving a payment my next statement indicated that I only owed {$320.00} for that month 's mortgage payment because I overpaid when bringing my account out of foreclosure. Two w eeks later I receive another statement indicating that I am responsible for the full payment. I immediately called customer service to address this discrepancy but no one has given me an acceptable answer. I asked for the an itemized bill that shows how my payments were dispersed after bringing my account out of foreclosure. I still waiting 5 months later and in that time it has been shear  XXXX . Negative reporting when payments are made on time, discrepancies in payments remain an issue, and uneducated employees when ca n't answer a question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit report company unauthorized freeze on my online account not allowing me to communicate online put Unauthorized statement on my account Will not delete information 8 to 20 years old report information as old 1998
Product: Debt collection

Portofolio Debt collector is trying to collect a debt that is not owed. It is on my XXXX  credit my XXXX   and XXXX
Product: Mortgage

Approximately 11 months ago I was having financial difficulties and contacted my mortgage loan servicer Ocwen. I asked for help and requested a modification. Since then I have sent in the modification papers several times, doing exactly what their representatives told me. I made payments in XXXX, XXXX, XXXX and XX/XX/2018 as a " trial modification ''. I also sent in a payments that they say are " on hold '' .The monthly payment amount was {$580.00}. I had sent in the modification papers which had my ex-husbands name on them. ( When we divorced the judge had said he was no longer liable for the payments and my ex signed off on the house ). I was not able to get his signature because I am afraid of him and what he might do so I sent the papers in without his signature. The last modification I did about 3 years ago was put through even though my ex-husband did not sign those. It has been almost 10 years since our divorce. With the help of the Wisconsin Department of Financial Institutions I was able to get some help and my ex-husbands name was removed from the mortgage. 
Since then Ocwen has been unfair and I have actually caught them lying to me. I have taken down every representatives employee number and date I talked to them. I've told them that I believe Ocwen is trying to get me out of my mortgage because with my last modification I was given an interest rate of 2 %. Many other issues have come up since then. I did receive a default letter and am in foreclosure. Most recently I sent a money order from my bank for {$1100.00}, it was sent overnight to Ocwen around the XX/XX/XXXX. When I called I was told that Ocwen was sending the money order back because it didn't include the XXXX payment. I didn't include it because it wasn't yet XXXX when I sent the money order. The representative I spoke to before the previous representative talked to me said that the money order was received in XXXX and that's why it was sent back. I am constantly getting various answers. I spoke with them today and am going to try to send the money back with the XXXX payment included ( {$580.00} ) and see what happens then. They've told me several times that they are working on completing the modification but they never have. 
I'm a single mom with XXXX kids living with me. Prior to my financial difficulty at the end of last year I had been on time with my payments. I am so stressed out and feel that Ocwen is trying to make me lose my home. I have begun counseling because I'm so anxious that I can hardly function. I don't know if anyone can help me but I would like to start a case against them if possible. There is so much more that I could include but not sure if there's room.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update or remove some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be updated as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Comenity Capital Forever 21. The Account Opened is Comenity Capital Forever 21 Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX, 2017, there is fraudulent activity being reported on all three credit bureaus with an additional money being taken out, without my consent, and reported fraudulently by XXXX XXXX that literally has been added onto my current mortgage loan. I am attaching both copies of Transunion and XXXX credit reports showing the date, increase of over {$140000.00}. I am also in contact with all three credit bureaus to place a freeze on my credit reporting until this urgent and serious matter gets resolved ASAP. I am also attaching where you clearly see the payment history and that my loan was not signed for $ 271,000+. 
Clearly ... this appears to be another retaliation from XXXX due to several complaints that I have filed with the XXXX XXXX XXXX XXXX and the state of Indiana. 
This is a very serious matter and I will be taking as well additional steps to make sure this never happens again to another consumer. I have as well sent a second complaint to the state attorney generals office in Indiana. I am asking this to be handled ASAP. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/18 while on vacation, Wells Fargo closed our current account without notifying us and " upgraded '' our credit card without our notification or request.
Product: Credit card or prepaid card

I have put in a number of credit card applications for the Apple Goldman Sach credit card.A person applies through the XXXX and have to input some personal information. Before submitting the application you are to take a picture of the front and back of your Government issued Identification. I have done this numerous times and have been denied  for the reason of my identification not being able to be verified. The associates have absolutely no guidance in assisting their clients with such issues. Their responses are more generic than the emails being sent. The process in order to apply and get approved for such card is atrocious and ridiculous.
Product: Mortgage

XX/XX/XXXX, I selected Rocket Mortgage to process my loan based solely on XXXX percent of the loan that would be credited toward closing as advertised on their website. This was confirmed by my XXXX XXXX XXXX XXXX. I followed all the rules ; and I used a subpar Rocket Mortgage-authorized realtor per the requirements of the promotion. 

When I found a home, I thought the hard part was overthat was when Rocket Mortgage 's loan process became the main character. The representatives and the system supporting the loan progress were excellent for most of the process. My primary contact XXXX was professional and would reach out to me anytime she had a question, and all issues seemed to be quickly resolved. I felt the process was working until I finally got my pre-closing document and noticed that the 1.5 percent from Rocket was not listed. XXXX told me it would be on the final document. The closing document came, and it still wasn't listed. I was then told I " got a better deal '' ; the credit was used to buy down the loan. No points were listed in the closing agreement, and XXXX XXXX, when I locked the rate, there were XXXX points. I reviewed the document, and saw no points, or a decrease in the cost of the loan, and again pointed out that it was not the agreement. 

I was passed around only to find out that no one could tell me where the 1.5 percent was credited in the process, but all resources at Rocket insisted that I got a better deal.

A better deal can be explained, and NO one could do that. A better deal should be agreed upon, and until the last minute, no one told me that Rocket was not going to honor its promotion. I have no choice but to sign the loan because this was communicated within three days of closing, and I would need more time to get a new loan with another funder. 

This was a Bait and Switch, plain and simple. 

Rocket Mortgage should fulfill its commitment and refund the 1.5 % of the loan amount since it was not credited to closing as agreed upon to reverse this bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX sent me a XXXX XXXX   debt discharged in the amount of {$2000.00} in XX/XX/2015. However they have reported this account to XXXX, Transunion, and XXXX as Opened account more than 180 days late the amount being {$3300.00}. I have written all three credit agencies and I have sent them copies of the IRS form but they will not report this accurately. I now have a Compliance Condition Code placed on the credit reports and have been told in writing that this code will not be taken off until I agree that the information is being reported accurately. I have had hundreds of credit accounts in my 48 years of life and I have not ever been threatened to say something that is fraudulent and inaccurate.
Product: Money transfer, virtual currency, or money service

ON XX/XX/XXXX, I MADE AN INTERNATIONAL WIRE TRANSFER THROUGH MY BANK PORTAL. 
ON XX/XX/XXXX, I RECEIVED AN EMAIL SAYING THE TRANSFER WAS COMPLETED, BUT WHEN I CONTACT THE RECIPIENT, HE CHECKED HIS ACCOUNT AND DID NOT SEE THE FUNDS, I CONTACTED THE CUSTOMER SERVICE LINE OF MY BANK AND THEY SAID THERE IS NOT WIRE TRANSFER DEPARTMENT CUSTOMER SERVICE ASSISTANCE AT THAT TIME AND THAT I HAVE TO DO EVERYTHING THROUGH THE PORTAL, WICH I DID, MY FIRST REQUEST WAS ON XX/XX/2021, AND I RECEIVED A REPLY THROUGH MY SECURE MESSAGES SAYING THE WIRE TRANSFER WAS COMPLETED AND PROVIDE ME WITH A REFERENCE NUMBER SO THE RECIPIENT COULD TRACK WITH HIS BANK, WHICH I DID, RECIPIENT HAD CALLED HIS BANK SEVERAL TIMES AND THE FUNDS ARE NOT IN HIS ACCOUNT AND IT DOESN'T EVEN LOOK IN PROCESS, I CALLED BACK TO MY BANK TO THE CUSTOMER SERVICE ON XX/XX/2021 AND THEY TOLD ME THE SAME THING, THAT THEY CAN NOT TRACK OR FIND THE EXACTLY INFORMATION OF WHERE IS THE MONEY, THAT I HAVE TO DO EVERYTHING THROUGH THE PORTAL, I HAVE MADE 3 MORE REQUESTS IN THE BANK PORTAL, EVEN ONE TO HAVE MY MONEY BACK, AND TODAY XX/XX/2021 STILL NOT HAVE AN ANSWER, NOBODY HAS CONTACT ME, I HAVE A LETTER FROM THE RECIPIENT ACCOUNT SAYING THEY HAVE NOT RECEIVED ANY WIRE TRANSFER FROM ME. IS VERY DISAPOINTED THAT A SUCH A BIG BANK LIKE THIS ONE IN UNITED STATES DOES NOT HAVE ENOUGH CUSTOMER SERVICE ASSISTANCE TO US THE CUSTOMERS.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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

These inquiries on my credit report were not from me 1. XXXXXXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 2. XXXX ( XXXX  ) XXXX XXXX, XXXX 3. XXXX XXXX  XXXX XXXX XXXX XXXX  ) XX/XX/XXXX 4. XXXX XXXX ( XXXX ) XX/XX/XXXX 5. XXXX XXXX XXXX XXXX ) XX/XX/XXXX 6. XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX
Product: Mortgage

I applied for a loan modification with Truist Bank on XX/XX/2024 and received a verbal denial on XX/XX/2024 over the phone. I requested that I receive a denial letter in writing along with the reason stating why I was denied. I have yet to receive the written denial. During the month of XX/XX/, I requested from Truist my monthly mortgage statements, reinstatement amount and what I owed in full on the loan. Truist told me I needed to contact their attorneys to request this information. I voiced my concern that I did not want to speak with their attorneys because I didn't want them to bill Truist for speaking with me and then the Bank pass the fees along to me, adding more monies to what I already owed on my loan balance. After going back and forth with them, a XXXX finally assured me that was not the case and the attorneys would not bill for speaking with me. I finally called the attorneys on XX/XX/XXXX  asking them to send me the reinstatement amount and what I owed in full as well as my mortgage statements. The attorney responded that they could send me the reinstatement amount and what was owed in full, but not my mortgage statements. He told me that is something Truist would need to send me. He stated that he would speak with Truist about my mortgage statements. I have yet to receive my mortgage statements. I need the mortgage statements in order to apply for asstance so I can reinstatement my loan.
Product: Student loan

I received correspondence on XX/XX/XXXX from FedLoan in response to my request for TEPSLF forgiveness. The letter states that I am not eligible for forgiveness now because I have not made the required 120 payments. However, when I checked FedLoan 's XXXX Payment Tracking page, I noticed that there are two years of loan payments that are not counted - between XX/XX/XXXX and XX/XX/XXXX - these payments just appear to be missing from my record. 

I consolidated my loans in XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) and began repayment the summer of XXXX. XXXX XXXX XXXX ( XXXX ) continued as my student loan servicer until my loans were transferred to FedLoan in XXXX. I believe that with these payments counted I will be over the required 120 payments needed to qualify for XXXX forgiveness.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXX XXXX  ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, it is stated in 15 USC 1681 section 602 that consumer reporting agencies, such as XXXX, Equifax and XXXX, have a responsibility to exercise fairness, impartiality, and respect for the consumer 's right to privacy. As the consumer, I have the right to ensure that my private information is not shared. This is supported by 15 USC 6801, which emphasizes the obligation of financial institutions, including those that furnish information to credit agencies, to respect customer privacy and protect the security of their nonpublic personal information.

Additionally, 15 USC 1681 section 604 states that consumer reporting agencies may only furnish consumer reports in accordance with the written instructions of the consumer. As the consumer, I have not provided consent for XXXX, Equifax and XXXX or the financial institution that furnishes information to credit agencies to share my information, and they do not have my written consent. Therefore, any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Moreover, as stated in 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer has been informed of their right to exercise a nondisclosure option. The financial institution did not inform me of this right. Furthermore, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including certain adverse information in consumer reports, unless authorized under subsection ( b ), which does not apply in this case. Therefore, the reporting of this adverse item without my permission violates the law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX, Equifax and XXXX are obligated to maintain reasonable procedures, as stated in 15 U.S. Code 1681e, to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. It appears that XXXX, Equifax and XXXX are not fulfilling these obligations. 

Lastly, 12 CFR 1016.7 specifies that a consumer has the right to opt out at any time. I hereby exercise my right to opt out of your reporting. 

Please take note of my requests and ensure that my private information is not shared or reported without my consent. Thank you.