23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

At the beginning of XXXX I began looking for a home in Pennsylvania. I live in Virginia. I explained that I would keep my current position and commute from PA to VA on the weekends to continue my employment but I wouldnt be taking occupancy for about XXXX months. XXXX XXXX from Navy federal said he had the perfect loan for me. I believe he referred to it as the home buyers choice loan. With this loan I didnt have to put any money down although I planned on putting XXXX down. The loan was for around XXXX for the home. I was approved! I submitted all requested documents in person at my local branch. I put XXXX down for earnest money for the house to be taken off of the market. My inspection and appraisal was completed and I had a closing date of XXXX the XXXX XXXX. As XX/XX/XXXX was approaching the underwriter for XXXX federal called to tell me that the garage on the property needed to be removed for safety reasons and we couldnt close on the home until this was done. With this loan sellers were allowed to pay a XXXX of 7 % for sellers assist which they agreed to so they didnt want to pay to demolish the garage. I spoke to XXXX, my loan processor and she said that she had the closing disclosure and the clear to close on was pending, just waiting to receive photos that we knocked down the garage. This was a process and expensive but according to XXXX this was the last step. I paid XXXX for the garage to be knocked down and a dumpster to haul it away. XX/XX/XXXX I sent pictures to my realtor of the knocked down garage. She called me moments later to tell me that my mortgage loan was denied. After speaking with XXXX, his supervisor XXXX, and XXXX the processor, I was told that my employment couldnt be verified. I went from having a closing date to being denied. In 60 days nobody verified my employment? Nor did they tell me that they needed more information? All they kept saying was the garage needed knocked down. Had I known they needed more information to verify my employment I would have provided it! Literally within this 60 days nobody verified my employment and denied me after I put so much money into this. I was misinformed. Strung along. I am XXXX XXXX XXXX and I was treated like they didnt take me serious. I feel discriminated against because of my age.
Product: Credit card or prepaid card

I brought a {$75.00} prepaid vanilla visa card at XXXXXXXX XXXX  on XX/XX/XXXX Friday I login on to website signed in at it said under status being processed but on the the receipt from gas station it's saying active and the I tried to re login back to site and it is saying system error.So as of XXXX XXXX Tuesday morning XX/XX/2022 the card does not work I tried phoning the number but no success.
Product: Checking or savings account

I opened a CD 5 months ago maturing on XX/XX/year>. 
I did not want this CD to auto renew. 
But they still auto renewed it at 3 % for 5 months. ( such a bad rate, treasury pays more for 5 months ) On XXXX XXXX I called them to break the CD. They wanted {$210.00} to break the CD. 

This is like a criminal stealing your money on the subway. 

Please work with the banks to fix this problem otherwise the mad man who shot the CEO of XXXX XXXX may do the same to Citibank CEO once the jury releases him : ) Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed a company I had no dealing with. This company XXXX XXXX XXXX - XXXX - I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Please delete this account immediately
Product: Mortgage

I refinanced with XXXX XXXX XXXX last year. The loan was subsequently sold to Nationstar Mortgage and has been serviced by Nationstar since. My property has XXXX tax parcels. When I closed the loan, I made sure that both parcels were documented for the escrow account. I deposit over XXXX dollars to the escrow account with Nationstar on a monthly basis. A few months ago, I was alarmed that only XXXX of the tax bills has been paid out from the escrow account. Nationstar has missed XXXX payments of the other tax bill, which accounts for about 90 % of the entire tax liability. Now even though I have sufficient fund in my escrow account, my property tax is delinquent and significant interest has accrued on the tax due to late payment. I 'm at risk of having my credit damaged and having a tax lien on my property. I 've been calling Nationstar every week but they have n't resolved the issue.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any information about them, and the company conducted them without my authorization.
Product: Credit reporting or other personal consumer reports

As I was reviewing my consumer report I came across an account that does not belong to, me I contacted the following companies, Lexis Nexis, XXXX, XXXX, XXXX, along with XXXX. I disputed the account asking for verification of the account. I then received a letter from Lexis Nexis, XXXX, XXXX as well as XXXX, that said the account was verified by the creditor. I then contacted the creditor witch in this case is the UNITED STATES BANKRUPTCY COURT ... .I then received an answer stating that the UNITED STATES BANKRUPTCY court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies. This is un acceptable the credit bureaus are committing FRAUD ...... Placing inaccurate, incomplete erroneous information on my consumer report violating the FAIR CREDIT REPORTINGACT and the FAIR DEBT COLLECTIONS ACT. This information is inaccurate the creditor stated that they did not verify this information making it illegal and a violation of state and federal law to place this account on my consumer report, Please delete this account immediately
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted. Please delete the following : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

Equifax was breach and admitted to my information being stolen back in XXXX. Due to that I had to file bankruptcy and been in hardship. Please remove negative inquiries off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told on XX/XX/XXXX that my XXXX student loans would be removed from their reports 7 years after they had been completed. those loans were discharged on XX/XX/XXXX. Now over the 7 years quoted the loans are still on his credit reports. it is nowXX/XX/XXXXthe loans still remain I want them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX  Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  Acct # XXXX, XXXX, XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX 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
Product: Credit reporting or other personal consumer reports

I have a data breach pawned website with XXXX it was my XXXX account. I looked at the credit report and it was not on my XXXX dispute with trespassing wire tap fraud and larceny of my business account. I asked to review the account with the dispute teams with the credit bureau I contacted the bank and it was not showing up on my XXXX XXXX number log in from my dispute with my XXXX phone from XXXX XXXX XXXX I contacted the log in with XXXX XXXX. I did a log in with the business account it was showing fraudulent records on my email dark web. I asked to put the account on my XXXX due process of payment with XXXX tax refund. I filed a XXXX affidavit with the company showing it was mishandling funds but it was lost with my phone on the file. I asked to file a complaint with the FTC and get back yo me with the identity theft. I see the account was embezzled. I was showing records to entitled financial debts, which happen when the tax lien from my IRS said the phone was compromised and the credit bureau could not process the payment with the identity theft without following up with the data breach papers with XXXX XXXX XXXX XXXX XXXX I looked at the phone the records were stolen inaccessible and the data was distorted on my XXXXXXXX XXXX XXXX XXXXXXXX. I see it showed here was in a data breach with XXXX and the was compromised on my server as identity theft from my IRS reversed mortgage account for {$110000.00} tax lien and any other tax debt from the credit bureau that raised on the credit bureau. So I followed the XXXX to the servers I see it was a XXXX XXXX XXXX XXXX XXXX where the data breach occured on my pawned website from my normal log in considering it did not go through on my Experian Credit report it was on my dark web for bad credit mortgage account reversed mortgage loan entitled error background report from the IRS Tax scheme showing it was paid then the ln could dispute it on the credit report with Experian showing it belonged to XXXX XXXX XXXX. I ask the Experian dispute the error with Experian my identity works. So we can show the account was hacked along with the financial statement from the bank. It was deprived of its losses from the cyber security incident with the unsolicited fines of a merchant from a XXXX due process of payment to my bank for money fraud wire tap transfer of my bank from the credit lender.
Product: Payday loan, title loan, or personal loan

LOAN NO.XXXX Gentlemen, On XX/XX/2019 I applied for a Title loan from XXXX, I was approved on XX/XX/XXXX and ever sense I have been trying to set up my account on line to be able to check my information and most important, to be able to make my payments and have not been able to do so. I have repeatedly contacted XXXX  over the last three weeks, have spoken with several customer service reps, I have been given via email several passwords and to no avail I still can not access my account An hour ago I spoke with a " Supervisor '' by the name of XXXX XXXX who had no clue and did not have a solution to my problem, I asked her to switch me over to the IT department and she told me the speak to no one, then I suggested we did a three way call and she also refused to do so. After 20 minutes of getting no where with her she told me to contact their compliance department and that was the end of the conversation. 

I HAVE NEVER HAD SUCH BAD EXPERIENCE WITH A FINANCIAL INSTITUTION IN MY LIFE AND DEEPLY REGRET HAVING GONE OUT OF STATE TO GET A LOAN. 

Having said this I would appreciate that your agency expeditiously act on this complain and have this someone in this IT department for this company to contact me in order to resolve this issue once and for all. 

Sincerely angry XXXX XXXX Tel XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX email XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681g is a federal law that gives consumers the right to access documents related to their credit history. This law ensures that companies who maintain, transfer and provide information about consumer 's creditworthiness are required to disclose certain documents upon request from the consumer. The FCRA outlines the type of documents that must be disclosed including those regarding account status, payment history and other important information that may affect an individual 's financial standing. 

Under section 1681g of the FCRA, any individual can submit a written request for disclosure documents pertaining to their personal information which should include any records maintained by the agency such as a credit record or investigative report.
Product: Mortgage

My mother refinanced a home in XXXX. As her trustee and executor I 've been paying the mortgage to present. In XXXX XXXX, I contacted the lender to inquire if there was a prepayment penalty. They said there is no prepayment penalty so I wired {$100000.00}. The person I spoke to said that the mortgage would be re-amortized. However, I was not informed at that time, that this would be an automatic re-amortization. Later I was told, that I had to either assume the mortgage, or I needed to sign a re-amortization document that only had my mother 's name on it. 
As executor of my mother 's estate I transferred the property to myself. While I do n't see any advantage to assume the loan I would n't mind if it did not cost anything. The lender said that it would cost $ XXXX to assume the loan. On the other hand, the lender advised that I can sign the re-amortization agreement except this document only has my mother 's name on it. My bank notary said the document needs to be amended to have my name as executor or trustee on the re-amortization agreement. The lender 's representative said I should just go to another notary. I pointed out that the notary checks my ID so how can I sign a document that does n't have my name on it?!
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in XXXX, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American XXXX, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX keep your records straight Failure to address these concerns promptly will leave me with no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action under relevant federal and state laws
Product: Consumer Loan

I lost my job 4 months ago and started receiving Unemployment Benefits last month. I fell behind on my monthly car loan by 3 months. I made a small payment on my car loan this past week in order to try and catch up on my loan. However, Nissan Motors, the loan holder, repossessed my vehicle this morning. I gave them a call and they let me know that I owed 3 months of payment totaling {$770.00}, however, they are also charging me a ridiculously high repossession fee of {$400.00}. They are letting me know that if the {$1200.00} is not payed within 10 days, they will auction off my vehicle and I owe them whatever balance remains after sale. I am more than willing to pay the {$770.00} I owe on my loan payments, however, this extra {$400.00} repo fee they are unnecessarily charging me is going to make it impossible for me to afford getting my car back. I have a few job interviews coming up soon, and I ca n't get to them without my car. I 'm now stuck without a car and without a chance to get reemployed.
Product: Payday loan, title loan, or personal loan

Demand by PNC of certain tax filings not required by borrower. Lack of knowledge of tax filing options of SMOD borrowers. Failure to reply or discuss loan. Operation in secret. 

Dear Mr. XXXX, Im concerned you as my banker required certain Tax items not applicable to me or required, both as to payroll costs and XXXX employment income. 

It feels like Tax Advice or a mandate I file as PNC requires. This seems wrong. 

Mr XXXX approved I think correctly my initial application and subsequent acts constitute a requirement a borrower file taxes as PNC dictates. 

A form 2106 may only be filed by limited filers of which I am one. The reporting of such a filer seems beyond the scope of competence you or MsXXXX XXXX or any reviewer to date. 

I dont see why this isnt essentially Tax Advice. Apparently you think you can demand I pay for a tax expert as a condition of borrowing, provide you with tax forms not necessary to my operation. Or insist I file as PNC demands. 

The materials below, seem to indicate improper training, knowledge and audit by you, Ms. XXXX, and even Ms. XXXX. 

Please deposit the loan proceeds of {$20000.00} completed ap, today. Your insistence on documents I dont think I need to file remain improper. 

Thank you, https : //www.irs.gov/government-entities/federal-state-local-governments/tax-withholding-for-government-workers Fee-Basis Officials A fee-basis public official receives and retains remuneration directly from the public. This work is considered self-employment under IRC 1402 ( c ) ( 2 ) ( E ) and these individuals are not employees with respect to this work. An official who receives salary, even if its called fees, is a common-law employee and is subject to social security and Medicare withholding. Fee-basis public officials are subject to self-employment tax. 

A position compensated by salary and fees is considered a fee-basis position if the fees are the principal source of compensation, unless a state law provides that a position for which any salary is paid is not a fee-basis position. A Section 218 Agreement may provide an exclusion from social security tax for individuals.

Form 2106 Purpose of Form Use Form 2106 if you were an Armed Forces reservist, qualified performing artist, fee-basis state or local government official, or employee with impairment-related work expenses. Due to the suspension of miscellaneous itemized deductions subject to the 2 % floor under section 67 ( a ), employees who do not fit into one of the listed categories may not use Form 2106. See the flowchart below to find out if you must file this form. 



It is my sense my filings are permissible. And it feels like PNC is not only giving Tax Advice but also requiring certain filings as a condition of PPP participation. 


Why do you think I must file certain forms? 

Why isnt that tax advice? 

Or discrimination against SMOD borrowers or any borrower who does what is permissible under the Tax Code, but you simply dont understand.
Product: Debt collection

American Finance acct XXXX stating I owe {$2200.00} on my credit report now has a company XXXX XXXX contacting me via email. Under Law USC 1692c ( c ) without consent of consumer given directly to debt collector or express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in collection with any debt! Now has also given my information to another debt collector! Im needing this removed from my credit immediately.
Product: Debt collection

I was made aware of an account in collections with Recovery Management Serv on behalf of XXXX University in the amount of {$3400.00}. I have not been contacted by the agency since this debt was listed on my credit report on XX/XX/XXXX. 

This debt appears to relate to an issue from XXXX where I was corresponding with XXXX XXXX and XXXX XXXX from XXXX University. The charges were for coursework that was not taken and dropped prior to the start of class which should have resulted in a full refund. 

XXXX XXXX originally advised that this account was in collections with XXXX XXXX, as shown on my credit report at the time. However, when it was removed and marked closed I considered the matter resolved. 

I am unsure of who Recovery Management Serv is and/or how to dispute this debt that has now been on my credit report for 4 months.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
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 Balance : {$6700.00}.
Product: Checking or savings account

This is now the 3rd complaint Im filing. Wells Fargo closed my account after someone FRAUDULENTLY deposited a check into my account which was made out to I assume themselves or a fake name. The check bounced and Wells Fargo closed my account and now is holding me accountable for the money that was FRAUDULENTLY deposited and then FRAUDULENTLY withdrawn from my account. How am I expected to pay back money I never touched or had knowledge of?
Product: Credit reporting or other personal consumer reports

Equifax refused to help with security issues regarding their login system which is hackable through password resetting leaving everyone vulnerable. 

The password resetting, Gives hackers all your login information and sends password reset links to Emails they specify without any security
Product: Credit reporting or other personal consumer reports

To ensure that your company is reporting accounts XXXX % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting XXXX % correctly? 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
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, XXXX XXXX, XXXX XXXX.
Product: Mortgage

On XX/XX/XXXX & XXXX, the XXXX XXXX XXXX  XXXX and XXXX, representing the executrix of the Estate for Loan Number XXXX through Fay Servicing, LLC., sent a payoff request. It is now XX/XX/XXXX and they are still not complying with our request. This goes against federal law as it is not in foreclosure so they should have complied within 7 days. I have called vigorously to get the figures for the pay off amount. I then went through XXXX XXXX XXXX XXXX as it had been transferred to them and sent them the same payoff request on XX/XX/XXXX and apparently Fay Servicing is not answering them, either. Again, this goes against federal law. This is absolute nonsense that we are still trying to get a payoff amount or even an answer from Fay Servicing , LLC, more than 2 weeks later.