23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, I received correspondence in my online account dated XX/XX/XXXX ( see Attachment 1 ) indicating that I only had made XXXX XXXX qualifying payments for loan sequences XXXX and XXXX. On or around XX/XX/XXXX, I received correspondence from XXXX XXXX ( see Attachment XXXX ) indicating that I had XXXX PSLF qualifying payments each for both loan sequences XXXX and XXXX. MOHELA 's letter received on XX/XX/XXXX implied that I had a lower PSLF qualifying payment count than I had previously with XXXX XXXX even despite the fact that I submitted an updated PSLF application/Employer Certification Form to MOHELA in XX/XX/XXXX. As I believed MOHELA 's letter to be inaccurate, I called MOHELA on XX/XX/XXXX to express concern, especially as I thought I had received the correspondence because I had ( wrongly ) assumed that MOHELA had finished updating my PSLF qualifying payments based on my XXXX PSLF application. On XX/XX/XXXX at approx. XXXX XXXX and after a wait on the line and spending an unacceptable XXXX minutes navigating phone trees to figure out how to reach a live agent for assistance, I spoke to MOHELA agent XXXX XXXX While speaking with XXXX, he shared concern with me that MOHELA sent correspondence indicating that MOHELA had a lower PSLF qualifying payment count than XXXX XXXX. Eventually XXXX was able to do further research and determined that the correspondence was sent in error, likely due to an IT issue. He determined that MOHELA 's system indicates that my correct PSLF qualifying payment count for loan sequences XXXX and XXXX is XXXX for each and that the information was correct in my online account PSLF tracker ( see attachment XXXX, which while from XX/XX/XXXX appears to match the same information I reviewed on XX/XX/XXXX for loan sequences XXXX and XXXX while on the phone with XXXX XXXX. XXXX also confirmed that MOHELA received my PSLF application from XXXX and that it had not been reviewed yet, thus MOHELA 's payment count only reflects the data they received from XXXX and not the information from my XXXX PSLF application yet. At the same time however, I am extremely concerned why MOHELA would send correspondence similar to what is sent after a PSLF application has been approved and I would receive a letter contradictory to information showing in my online account. As such, while I find the service provided by XXXX to have been exceptional, I am seriously concerned that I received bad loan information due to IT errors and am not 100 % sure my issue was fully addressed. I find IT errors sending inaccurate student loan payment information to be extremely concerning.
Product: Debt collection

Do not go through broadway finance if u do not want to be harassed! I told them I would come in Saturday and the Manager XXXX said it had to be paid today that she would meet us halfway she was screaming and saying we always lie and make excuses. They show up to my husbands job and tell him he has to pay! I have never dealt with a company like that before they usually just report you to the credit company if you do n't pay them, but not this company they harass u with calls and visits until u pay, she did not want to take my arrangement and we feel very harassed. We decided not to pay them because of the way she spoke to us and threatened us and said she would keep calling.
Product: Credit reporting or other personal consumer reports

I have made every effort to ensure the accuracy of my credit report, yet these errors persist. This situation is beyond frustratingit is completely unacceptable. The presence of false information, such as the charge-off reported by XXXX XXXX  Account # XXXX with a balance of {$120.00}, violates my rights as a consumer, and I demand immediate corrective action. 

Additionally, I have strong reason to suspect that these discrepancies may be the result of a data breach, making their continued reporting even more concerning. The FCRA was enacted to protect consumers from exactly this kind of negligence, where reporting errors and misconduct negatively impact financial well-being. Allowing these inaccuracies to remain on my file is a clear failure to uphold my rights, and I expect immediate action to correct this issue.
Product: Mortgage

We received a statement from Ditech dated XX/XX/XXXX, informing us that the mortgage payment was increasing from {$480.00} to {$1000.00} effective XX/XX/XXXX. 

I called Ditech at the beginning of XXXX after receiving the notice to inquire as to what was going on and why was an escrow account set up on our mortgage account. 

I was told the escrow account was set up to pay the property taxes. I informed them and also sent copies of " The Tax Deferred for XXXX and over '' agreement we have with XXXX XXXX. 

Ditech claimed that they had been paying the taxes even though we had an agreement with the county. 

A Ditech representative said they would be researching. 

I also told them that we had never had an escrow account, that we had always paid our taxes and insurance directly to the tax office and insurance company since XXXX. 

I informed Ditech that we had never approved an escrow account and to remove it. 

After numerous calls to Ditech, I was told by a Tax Department representative that they had never paid property taxes. 

I was then told that the Escrow account was paying the homeowners insurance. I also informed this department that we have always paid the insurance directly to the insurance company. 

After additional calls and conversations I was told by the XXXX XXXX that they were NOT paying the insurance on the property. 

At this point I was told by a Ditech Customer Service Representative that I could not talk directly to anyone in the Escrow Department, that they do not talk directly to customers. 

After several more attempts to resolve this matter, I was told by a representative from the XXXX XXXX that the Escrow account had been set up for future use in case the Tax Deferred for XXXX and over was dismissed or deleted. 

I was told by the XXXX and XXXX XXXX ( XX/XX/XXXX ) that they submitted a request to have the Escrow account removed from the account immediately. 

I was told that request would take 7-10 business days to complete. 

I am currently waiting for written confirmation that this has been done.
Product: Student loan

I have asked three times for my loan payment option to be switched to the revised income based plan. They have told me every time that it will go into effect the next month but it never changes. I have all of the messages saved. This month the payment was even higher. It jumped to {$270.00}! I ca n't afford for them to keep doing this to me. If it is n't lowered like iced asked multiple times I am going to have to defiant on my loans and I do n't want to do that.
Product: Money transfer, virtual currency, or money service

I have an account with coinbase since XXXX and I invested more than 10k on crepto currency. Around XX/XX/XXXX I couldn't access to my account at all I did everything to contact coinbase customer service and fellow all instructions on their website like help! But with no results or help. I have no choice but make complaint with cfpb and other agency include SEC or probably get my own lawyer. I work in XXXX XXXX where their offices located but all lies I visited one by one and was closed even before pandemic this company is ghost company.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges.
Product: Checking or savings account

Chime closed my account without warning or reason. When I tried to contact them to resolve this, I was told that my account wasn't compliant with their terms, however would not tell me how I wasn't compliant. They won't reopen the account, and I'm blocked from opening a new one
Product: Debt collection

I am being sued by Machols and Johannes debt collectors for a debt which occurred 25 years ago in another state and can not be verified by the debt collectors. I have made numerous attempts to see if this is truly my debt, but I could not find any evidence of it. I have not received a notification from Machols and Johannes to appear in court in a timely manner so I could defend myself. They are taking 25 % of my income every 2 weeks out of my paychecks. I am supporting a family of XXXX and it is a hardship on our family. I am being charged 23 % interest for the past 25 years without any proof this is my debt. The collection agency started to garnish my check in 2015, the garnishment stopped after they held it out 4 times. Then they re-started the garnishment in XX/XX/XXXX2016 but cont. to charge interest even for the time the garnishment was not taken. I do n't believe this is my debt at all and all the dealings are fraudulent. I do not have the money to hire an attorney, or I would have done so long ago. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have six negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate accounts and information on my consumer report in which I request them to investigate these accounts. I reached out to the creditors and asked them to verify anything that theyre reporting on my credit report. The accounts listed in my dispute never belonged to me nor do I have knowledge of who they are asking to collect debt. Ive reached out to the creditor asking them to verify this debt, which they couldnt so how does this debt belong to me? How can I owe them a debt if there was a mutual agreement set in place? I understand that it is Experians duty to do whats fair and equitable for the consumer and I am asking them to thoroughly investigate these and remove anything thats unverifiable, inaccurate or under violation. Anything thats inaccurate or not verifiable must be removed from my consumer report immediately. Included in my complaint is a new dispute letter with the inaccurate accounts and information listed. 



Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Money transfer, virtual currency, or money service

XXXX XXXX Hello, Sunday, we purchased a cat on XXXX XXXX XXXX   XXXX Phone number : XXXX We signed a contract We paid with XXXX XXXX XXXX XXXX - Zelle to XXXX ( XXXX XXXX ) Then, the transporter ask us to pay an additional insurance {$1000.00} XXXX XXXX XXXX XXXX + XXXX ( XXXX ) XXXX and then we check on XXXX ... and it's a scam XXXX XXXX XXXX so second time we tried to buy a kittens only, and it was a scam Then we reached XXXX XXXX XXXX XXXX, who told us they have to block our accounts and create new ones and that they can not refund us, but we have to contact Zelle. 
Of course, Zelle is asking people to reach the bank ... the ping pong play can begin! 
XXXX XXXX XXXX XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit card or prepaid card

I had to open a retail credit account with Fortiva Retail Credit to finance equipment for XXXX the security systems company. This new account was reported to the credit bureaus a couple of weeks after opening the account. To my surprise, 18 months later the account was reported as new again decreasing my credit score by XXXX POINTS! I called the company to understand why this happened and I was notified that my retail credit account was converted to a credit card account. That I was sent a notice via email that I had to " opt-out '' within 45 days. I told them ( a ) I never received the email and ( b ) it is GROSSLY inappropriate to send an email concerning such a serious impact to a person 's credit file! I asked them to forward me the email. After several attempts I never received it. I asked them to confirm the email address. It was WRONG! They had the wrong email address on file. So, technically I never received the opt-out notice. I asked them to convert my account back and the rep said no and there was nothing I could do it about it. I confirmed that this was the email address that XXXX provided to them and no changes to the email were made. I contacted XXXX and I have it in writing from them that they have had the correct email address since the inception of the account. I contacted Fortiva again and told them the error was on THEIR end. Again, since I never received the opt-out notice they need to convert my file back to retail. They refused and told me there was nothing I could do. They converted my account WITHOUT my consent, gave me a credit limit {$300.00} more than my balance thus driving my utilization up over eighty-percent on the credit card and knocking my credit score down by over XXXX points. This is unethical! Companies should not take measures to convert accounts impacting the credit file of their customers without consent. Sending an " opt-out '' email is not acceptable. The option should be to be able to " opt-in ''. They are counting on the email address being wrong ( as was the case for me ), or they are hoping it is spammed or that you miss it. They can make collection calls, send marketing material, but they can not contact you through better means to notify you of something so major? This is a bad business practice and has a direct impact on the financial file of customers. I am extremely upset and frustrated by this. Even after confirming they made an error by not correctly keying in my email address- they still did not do the right thing. I had to request that they do not activate this credit card, that I did not ask for or sign up for. I had them confirm that they would not charge me any fees, activation or otherwise and I paid off the account in full to stabilize my utilization. So, now I am out a lot of money and a large dip in my credit score until it rectifies itself. Opt-out notices via email should not be a business practice. Tacit acceptance when it concerns your finances is a devious business practice. This is not ok.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, account has been paid off for a year. Still showing delinquent and that I failed to pay in XX/XX/2018. I have the final invoice showing that it has been paid in full with XXXX  balance. The account was transferred to XXXX XXXX, did not make it to court. We settled, I paid within 3 months. Around XX/XX/XXXX I  submitted complaints on both XXXX XXXX and XXXX XXXX to XXXX   because they were both showing the paid account as delinquent, not paid. Now all of a sudden my FICO score went down 44 points because now they are rebuffing their efforts to show that I am failing to pay something that is finalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX Hurricane Laura causes significant damage to my home and it is unlivable XXXX Hurricane Delta causes additional water damage to my home XX/XX/XXXX - Repairs completed on my home can not get XXXX to pay even when supplemental claims and estimates were provided in a timely manner multiple times. I had to pay mostly out of pocket for $ XXXX in damages XX/XX/XXXX - hired a public adjuster who worked my claim and XXXX denied payment, filed suit through an attorney in XX/XX/XXXX XXXX settlement agreement reached with XXXX during mediation XXXX Homepoint Financial receives my settlement check and has held it ever since. They will not release my payment even though they Refinanced the house in XX/XX/XXXX and transferred the loan in XX/XX/XXXX to a new servicer with a greater value assessment than the previous year. I have never missed a single payment. I need my settlement money released to my attorney so that I can pay my XXXX and recuperate the out-of-pocket money I spent to rebuild without the assistance of XXXX for over two years. 
XX/XX/XXXX Attorney spoke with a supervisor in loss department and they still have not released any of the funds.
Product: Credit reporting or other personal consumer reports

these inquires on my Transunion credit report should be removed they are fraudulent and weren't authorized by me 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
Product: Mortgage

I am reaching out to you today in regards to a credit dispute I am trying to resolve with our Mortgage company, Bank of America. I have tried to resolve this issue directly with Bank of America, but both times I have received letters from the Bank of America customer service department that states that BOA has completed a review and they feel their records have confirmed the information they provided to the CRA is accurate. I do not feel that the information is accurate. In fact, I feel that Bank of America messed up on their end and they are not taking any accountability for the miscommunication that was given to us at all. I pride myself on having great credit. Since this incident occurred, I have hit so many roadblocks with my company, applying for loans, and now I have a senior who is going to need our help for college loans. It makes me so angry that loyal, XXXX, hard-working people do not have a voice with these large mortgage companies. Not once was I able to even talk to someone directly about it. I was told the people that make these decisions are in a back office company for Bank of America. They do not take emails or phone calls. I do not believe that someone who receives their paycheck directly from Bank of America, should be making all the credit decisions for Bank of America, especially when they are not taking any accountability for their own mishap and miscommunication. I am coming to you because I need a strong voice to hear my side and hopefully help me. I have a Fixed, 15 year conventional loan with Bank of America. This is our first mortgage. It is sit up with automatic withdraw each month so a payment is never missed. I had requested that our 2nd HEL through Bank of America would also be established this way. A representative told us that this is not a problem. Just fax in a " Letter of Authority '' and the loan number and approval to have this established. We did that. The fax was received, but the phone call of this representative telling us to do this and that it could be done, has disappeared. I also feel that, once this fax was received, we should have immediately received a phone call or email to tell us that this service was not available for the HEL. We had left to travel for the summer to return to two missed payments and our credit messed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Your denial of my credit is based on ( insufficient credit experience ) your words. From a company that has little to no information on me. 
I have multiple copies of Experian reports they did not check their own records.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

account was never my account and still on my credit report