23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was an account holder of Discover Bank and my account was closed in XX/XX/XXXX and charged off according to my XXXX credit reported dated XX/XX/XXXX, since I didn't know how to remit for my legal and equitable interest at that time. I requested from Discover multiple times a copy of my 1099C and full accounting according to GAAP using GAAS and I was ignored and denied and to date Discover has not provided me with a copy. 

I have evidence Discover sold the account to XXXX XXXX XXXX and received a letter they were trying to collect a debt for Discover Bank on the account on XX/XX/XXXX. I vaguely remember this was not the first time a collection agency attempted to collect debt. Discover then assigned the account to XXXX XXXX XXXX, a debt collector and I received a notice from them in XX/XX/XXXX. Discover is now pursuing me with a lawsuit in XXXX XXXX XXXX XXXX to collect {$7000.00}, plus 5 % interest, penalties, fees and attorney fees.
Product: Student loan

My student loan servicer is MOHELA, and I was XXXX of the many affected by the billing errors at the restart of student loan payments last year ( XXXX ). Per the Dept. of Ed. policy and a mass email directly from MOHELA, my account was placed into administrative forbearance until the end of XX/XX/XXXX while the issues were resolved. 

Before even realizing that there was an issue, I diligently made the first " restart '' payment on XX/XX/XXXX in the amount of {$680.00}. However, the administrative forbearance went into effect, and the stated policy was to either refund payments made during the forbearance or to apply them to future balances if no refund were requested. I chose the default option -- expecting my 'overpayment ' to be applied to my XXXX balance of the same amount. Instead, I received a bill for XXXX in the amount of {$680.00}. 

I reached out to MOHELA twice through their secure messaging portal with details of this oversight. My first communication was on XX/XX/XXXX. After not receiving even a confirmation of receipt, I repeated the secure message on XX/XX/XXXX. 

I finally received a response to the first copy of the communication yesterday, XX/XX/XXXX. I am repeating the beginning of MOHELA 's response below : " Thank you for contacting MOHELA, We apologize for any inconvenience this may have caused. Payments made in XXXX and XXXX were not credited to future payments. " This response flatly contradicts the official statement of policy outlined in MOHELA 's email of XX/XX/XXXX titled " Regarding Your XXXX Billing Statement. '' The pertinent section of that statement reads " If you made any payment ( XXXX ) between XX/XX/XXXX, and XX/XX/XXXX, they will count toward your future payment ( XXXX ). '' MOHELA is not entitled to simply retain the payment from XXXX at its own discretion. It must abide by regulations and policy set forth by the Dept. of Education. In this case, MOHELA is explicitly reversing communicated policy and directives from the Dept. of Ed. 

In MOHELA 's XXXX XXXX response, they go on to insist that my position is inaccurate and that my account is delinquent in the amount of {$680.00} -- with a total amount due for XXXX of {$1300.00}. Based on their own official communications, this is incorrect and must be resolved as soon as practicable so as not to affect my creditworthiness going forward.
Product: Mortgage

Since XX/XX/2021, I've attempted to do a short sale with my mortgage lender and they are still in the process of trying to foreclose on my home. I have been offered a short sale option on multiple occasions by PennyMac prior to actually applying and now that I've submitted all of the required paperwork, they refuse to review it. They've wasted tons of paper mailing me applications to apply for the short sale and are now telling me that the foreclosure auction date is too close for them to review my file when there wasn't even an auction date scheduled at the time that I initially applied in XXXX. They didn't decide to schedule a foreclosure date until after I submitted an application, which is a complete slap in the face to me as a struggling homeowner. Not only have I submitted a completed short sale application, but also an offer from a willing and able buyer and PennyMac won't even so much as tell me what are the minimum net proceeds that they'd be willing to accept as an offer. I'm so confused as to why they would offer me something just to refuse to allow me to apply for it. I fell behind after I lost my job over two years ago and I could not afford to catch up. Please help me get through to my mortgage lender because I should not have to go through this when I've done everything that's been asked of me to apply for the short sale.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX I already filed an ftc report. They have inquiries on there that I didnt authorize on this date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. XXXX XXXX  XXXX XXXX - XXXX XXXX  - XXXX 2. XXXX XXXX  XXXX XXXX - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. And 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. 

And they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries : 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 Please remove these items ASAP.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. Causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violations please add payment history XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Missing payment history for 1 year : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act Convergent, Account:XXXX, Creditor : XXXX  XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

This account is fraudulent account, I did not open any account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lendingpoint LLC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. This company has reported a supposed debt of {$14000.00} to the credit report in my name. I have never had any accounts with them. I called them and talked to XXXX. She informed me they have no account in my name. Account was opened XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was potentially affected by the incident in which personal information was taken. I retrieved notice of this on XXXX XXXX, 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed directly with the collection company because I don't believe this debt to be accurate ; so I requested validation of the debt. PlusFour Inc never responded to me nor did they ever validate the debt they claim is owed. I have now submitted a 2nd dispute, today XX/XX/2021 with PlusFour Inc and pending a response.
Product: Mortgage

I submitted a completed application request for modification a year ago. And the company repeatedly marked the application as incomplete for vague and dishonest reasons. For example, they repeatedly marked marked that my income taxes as incomplete without and without a status which was not true. Eventually, they finally told me I didnt qualify for modification. Then they tell you they were still working on it. 

I filed a complaint with the agency in XX/XX/2022 to which they had 60 days to respond. They responded. Essentially, they stated that I needed a {$32000.00}, down payment to qualify. I dont have that and I wouldnt have had {$20000.00}, either - assuming they would made that offer a year ago. Due to the XXXX Pandemic XXXX units were vacant and severely damaged by tenants. I do have police reports. 

Specialized or at least certain employees never had intentions of trying to help. I can email CFPB every document that was sent to them as well as a screenshot of my account as to why the application was incomplete. I finally had to log on to understand what the issues were which was in my opinion intentionally vague. Please send a email link so that I can forward my proof and documentation. 

Thank you!
Product: Mortgage

I have been trying to remove my PMI payment for more than 1 year.  I have never made a late payment - ever.  The mortgage company, Ditech, required that I obtain a new home appraisal, which was done approx 2 years ago - my loan to value is currently below 80% and still, they refuse to take the PMI off of my payment despite numerous requests.
Product: Credit card

I have a credit card account with Pentagon Federal Credit Union and have requested several times that the credit insurance I am being charged monthly be discontinued via email within their secure email messaging platform and they refuse to do so unless I sign documents. My email from within their secure website should be good enough. 
I have placed the credit insurance debit charges that they keep charging me into dispute, yet I logged in today and I can not find anything about the status of the disputes. This month, another charge for {$.00}. These charges may be small, but they add up, and when this may be occurring nationwide, it adds up to a considerable amount of money. When I inform you I no longer want the credit insurance it should be removed prompty without the need for dispute resolution or me having to go to regulatory agencies to complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am overly stressed. I am completely suffering because of Equifax. I can not obtain a mortgage because there has been a internal lock on my credit file. Equifax is retaliating against me because of lots of disputes. I have police reports since XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Is that are reason to retaliate? Is that are reason to shut my credit file down and stop me from getting a home? What if I get killed because I can't move? There are still fraudulent inquiries on my credit due to me not being able to see my credit file. I asked the representative concerning my inquiries and she gave me a list. I am afraid to dispute them because they always shut my credit file down every time I dispute items. It is their job to work for consumers not retaliate against them. On Monday XX/XX/XXXX I have a phone record of calling Equifax XXXX times until I was able to reach someone to finally help me. Her name was XXXX XXXX ID XXXX. She put my credit file online for only 5 days. I also have a record of calling other days to get the matter solved and got any where, but more emotional stress. Before then it was locked and XXXX XXXX  could not pull a application for my business loan. There are over 7 inquiries on my credit due to Equifax negligence, future creditors will deny me because of the inquiries I did not give authorization to pull and the bank thinking there is a error in Equifax system. Why would I process 7 plus inquiries with XXXX? Everyone I talked to that day told me that they could not help me I am attaching the names. They told me my file was going to remain offline infidelity. They were very disrespectful. I never experienced any discrimination, unprofessionalism and hate as such. I am suffering mentally behind this. The agents are reading the complaints and seeing the situation and making a complete mockery out of me. My credit file should remain online. My credit file should not be offline. I am in the middle of trying to get a home loan and a commercial loan for my company. The confirmation for the recent disputes are # XXXX. It was processed by XXXX. On www.identitytheft.gov I created a online log in/password. The updated FTC will have the same reference number because they will not allow you to keep filing complaints no more than 2 times if more they will block you from the system. There are XXXX inquiries and the report will only allow you to add XXXX at one time so I will have to continue to remove and update the file. Equifax is also always giving me problems with this as well. I can not set the FTC rules and regulations. They have a button to update the reports as needed. I am attaching what I send Equifax. The agents that I worked with that are unprofessional, violating my rights, and being rude are : XXXX agent # XXXX, XXXX agent # XXXX, XXXX agent # XXXX, XXXX agent # XXXX, XXXX agent # XXXX, XXXX agent # XXXX, and XXXX agent agent # XXXX.
Product: Credit card or prepaid card

I paid off a Wells Fargo retail account back in XX/XX/XXXX. My wife did not realize I paid it off and sent in 2 payments totaling {$1500.00}. ( XX/XX/XXXX and XX/XX/XXXXpayments ). I have since tried numerous times to get these monies refunded back to me. They originally said they would mail out a refund check ( in XX/XX/XXXX ) ; the first check never arrived. I called Wells ( XX/XX/XXXX ) and they said I would need to fill out a notarized affidavit and send it back in and they could reissue  the check. They explained the process could take an additional 25 days. I requested to speak with a manager since this was putting me into a financial hardship. The manager i spoke with agreed with me and explained I would NOT have to fill out an affidavit and a new check would be reissued. I did receive the affidavit in the mail a week later but no check. I was under the assumption from the manager I should be receiving a check so i waited a bit longer. Finally on XX/XX/XXXX I called Wells again and was told by another associate ( XXXX ) that the matter would be resolved and a check would be re-issued. She told me to wait a week or so and call back to verify that it was sent out. I called today on XX/XX/XXXX and again no check had been mailed out. I now spoke with another manager ( XXXX ) and he says there is no way of getting around the affidavit and they will send me another to fill out. My point is they will not allow me to go into a branch to do any of this and now I feel I am jumping through major hoops to try and get my money back. It has been about 60 days now I have been told numerous things from many reps in their retail division but am yet to receive my {$1500.00} back.
Product: Debt collection

Received a text message from Harris & Harris on XX/XX/ which read as follows : " [ last name ], Harris & Harris is a debt collector for The Government of Washington DC. To Pay : [ web address ] or call XXXX. STOP to stop, msg & data rates may ap '' I called during business hours the same day, spoke with a woman, and requested they send a letter validating this alleged debt. She verified my information including mailing address, phone, and email. She noted they would share details, and I have received no subsequent contact via call, text, writing, email, etc. for more than ten days. 

Either the debt is in fact not valid, as I suspect, or they are delinquent in notifying. Unnecessary hassle, at best, if it is at all legitimate to begin with. There is a likely scenario where this adversely impacts my credit reportingwithout warrantabsent government intervention, in light of the significant delay and lack of details on the side of the collection agency.
Product: Checking or savings account

My bank keeps changing their terms of service to overcharge my account by the way of overdraft fees. Wells Fargo charges {$35.00} everytime they assess an overdraft fee. To get Wells Fargo to reverse a charge, they make you call in and navigate their automated phone system. This means wait times. They also recommend that the consumer sign up for text message alerts. 

Yesterday, I received such an alert and within a few hours I transferred the funds to cover the overdraft. Nonetheless, the very next business day, I get another text message, that a Wells Fargo Overdraft fee as tipped my account into the negative. I call WF to get the fee reversed. XXXX, their employee responds and offers me a registry. I insist WF reverse the fee. XXXX offers to reverse half the fee. I insist WF reverse the full amount. She places me on hold and WF reverses the fee. She says this is a one time thing and is not a guarantee that WF will not do this in the future. 

She asks me if there is anything else she can do for me. I suggest her to that WF reverse their policy of looking for opportunities to overcharge their long time customers or even go back to their old policies. She started arguing with me, interrupting me and terminated the conversation. It should not cost me 14 minutes 24 seconds to keep my own money.
Product: Checking or savings account

Huntington National Bank I received notice that whatever I had on my accounts on XX/XX/XXXX would end, and they would send me a check. I still have over {$150000.00} in the accounts. I went to the branch in Michigan today, and they stated that I had to get a hold release, but did not have a number. 
Also, one account has {$65000.00} less today than yesterday, and Huntington can not explain. 
Accounts : XXXX. I am the 66.7 % owner on that account. Current balance {$16000.00} XXXX. I am 100 % owner on account Current balance {$4500.00} XXXX. I am 66.7 % owner on account. Current balance {$130000.00} They stated that they would mail me a check, then they said I had to go to the branch, and when I went to the branch they said they could not do it, and I had to call a XXXX number. When I called the number, they said I had to go to the branch. I have been at that branch 2-4 times in the last couple of weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contacted XXXX about the unauthorized inquiry. They informed me that I need to get a police report if I did not authorize the inquiry and to contact the actual company who placed the inquiry. I went to the police department and I have attached the document that I was given. I faxed over the information they requested just to be told that it was not good enough they needed an actual report. So unknowingly I called the police again and tried my best to get an " actual police report '' that they requested. Only to be told numerous times that they do not give actual police reports for this type of matter, only for car accidents. I added the card of the police officer whom made the report only to be told that they ca n't contact the police.Next I contacted Exeter Finance Corp the company who actually placed the inquiry on my credit only to be told that it was nothing that they could do because they received the authorization through XXXX XXXX XXXX even after I expressed to them that it was not me. I next tried calling XXXX XXXX XXXX multiple times leaving many messages unable to get anyone to assist me.
Product: Checking or savings account

In XX/XX/2019 a mortgage payment was set using the online banking offered by FirstBank in Puerto Rico. Payment was received by the mortgage bank on or before XX/XX/XXXX however FirstBank did not honor the payment despite having sufficient funds in the checking account. 

This caused for the mortgage bank to impose penalties including an NSF of {$15.00} and a late payment fee on the mortgage of {$91.00} on or about XX/XX/XXXX. This evidence of the {$15.00} and {$91.00} has already been provided to FirstBank. 

After numerous calls attempting to address FirstBank 's mistake and to provide remedy, my wife and I visited a FirstBank branch on XX/XX/XXXX. We were told that FirstBank attempted to contact us to confirm that the online payment was made by us and were unsuccessful. 

This explanation is ridiculous for numerous reasons such as the access required to make such a payment online with our bank account, and the double security implemented. But, more importantly, this is a payment that is made every month AND in XXXX the same call was made and confirmed. Therefore, a XXXX-year old child-like level of due diligence of their own records would have provided any required confirmation without the need to even having to call us. 

After the visit at the branch were a statement was written, my wife and I have made repeated and numerous calls to FirstBank 's customer service line and they have never been able to provide assistance nor remedy the situation. 

This has caused the loss of scores and scores of hours that should never have been wasted, a damage to our credit score/report and the imposition of fees to us that is also the responsibility of FirstBank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation into errors on my credit report. I also requested the C.R.A provide documentation verifying the information on my report. No documentation was provide after multiple investigation requests.