23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my second time writing this complaint. There are still accounts on my credit report that shouldn't be there, despite the fact that I wrote your company a dispute last month XX/XX/year>, in which I explicitly mentioned the accounts that were false.
Product: Mortgage

My home has reached loan to value 2 years ago, so PMI, MIP should n't apply to me. Wells Fargo says the insurer says I owe PMI for the entirety of the loan. I have an FHA 30 year fixed with 17 years left on the loan. I think they are lying and want me to keep paying the XXXX bucks a month. loan originated in 2002 so the new PMI law does n't apply. What recourse do I have? Regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an outstanding student loan with Fedloan Servicing, and all information is wrong and repeated, the same account appears 3 times, Fedloan Servicing, US Department of Education twice. it says the original creditor is XXXX XXXX XXXX. all three have wrong information, and I only had one student loan.
Product: Student loan

This is both a complaint and a Freedom of Information Request to  Nelnet XXXX Inc. - a U.S. Department of Education Loan Servicer. I have previously filed a CFPB complaint on XX/XX/2020 XXXX XXXX, which is NOT published when I requested this complaint to be published ) stating that I do not have access to my account on-line with XXXXnelnet.com. Today, XX/XX/2020, Nelnet mailed me a letter stating that my issue for access is with my browser. This letter is a lie as I have previously provided video link proof that I am unable to " see '' any information and as of today, XX/XX/2020 I can not even log onto Nelnet - without receiving messages that I have to phone call Nelnet. In my CFPB complaint, my final comment was requesting that Nelnet provide me with a meeting, any two dates, any two times, and instead I receive a " browser '' letter as a response. I am requesting that Nelnet provide me with any two dates and times and location/address so that I, XXXX XXXX XXXX, can physically see my Nelnet records along with my husband, Mister XXXX XXXX XXXX and my son, Mister XXXX XXXX XXXX. If Nelnet refuses to give me a meeting then there can not be any account and I do not owe any money for any U.S. Department of Education Student Loan ( s ). 
Further, I reserve my rights to file in Federal Court against Nelnet for this constant abuse with not providing me with full account access and refusing to comply with a Freedom of Information Act request for a meeting and any other harm. Here is the video link proving that there is NO browser problem : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed some fraudulent accounts on my report. Please remove these accounts from my report, as they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint on be half of myself an no other. I the consumer did not consent too nor authorize these inquiries that are reporting to my Transunion consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Transunion. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Transunion sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Transunion an identity theft report via USPS certified mail. Is Transunion above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Transunion humiliated me to the public and damaged my reputation. If Transunion can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Transunion let concur on my consumer report. Transunion stole my identity and sold my private information without prior consent. I have a right to privacy and Transunion violated my privacy.
Product: Mortgage

XXXX XXXX  made us aware our escrow was increased. We were given the option to pay it in full or increase our monthly payment. We paid the increase of {$290.00} in full on XX/XX/2019 before the deadline. We then continued to pay our monthly mortgage payment on time each month. The mortgage company is now saying that our mortgage is past due. They failed to apply the escrow payment appropriately. The payments made since then are being placed in a suspense account because they are for the regular amount without the increase. We notified the mortgage company of the error but they have not corrected the problem. They have acknowledged receipt of all payments but have not credited payment to the mortgage loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a hard inquiry that has surfaced on my credit report, under your company 's name, which I believe to be unauthorized. Upon careful review of my credit report, I observed an inquiry dated XX/XX/2023 attributed to TRUIST. 

I would like to emphasize that I did not provide authorization for this inquiry, and I am seeking your immediate assistance in conducting a thorough investigation to rectify this matter. The unauthorized inquiry is impacting my credit score adversely, and I am concerned about its inaccurate reflection on my creditworthiness. 

Details of the unauthorized hard inquiry : Company : TRUIST Date : XX/XX/2023
Product: Mortgage

Our sales closing date was today, XXXX XXXX, 2015. 

XXXX XXXX - Our loan application package was submitted in full with the understanding from our chosen lender that " as soon as all the papers are verified as received, we will pass them to the underwriter '' - every. single. document. requested was provided to the lender and the lender confirmed receipt in full. 

**XXXX! ** XXXX - The package was given to the underwriter. 

XXXX XXXX - a few additional documents were requested. These were provided by return email within XXXX business hours. 

Monday, XXXX XXXX - was a holiday. 

Friday, XXXX XXXX at XXXX - the lender requested ANOTHER document. 

Monday, XXXX XXXX at XXXX XXXX - the requested document was sent by return email with a gentle reminder that we were scheduled to close on Tuesday, XXXX XXXX. 

Monday, XXXX XXXX at XXXX XXXX - we were phoned and told the closing documents would not be ready by XXXX XXXX at XXXX XXXX and that the lender would call in the morning and " let us know when the documents could be ready ''. 

After no call in the morning, our realtor phoned and rec 'd voicemail and I emailed the lender 's manager for an update. The lender called and said " no closing today ... or tomorrow - the fully underwritten package would be sent to the MI company on Wed, XXXX XXXX. ( WHAAAATTTT???? ) and perhaps close by Friday, XXXX XXXX ...? '' PERHAPS???!! ... .by ... ..Friday???! 

What is our recourse? Who compensates us for the loss of income for the days we have taken off of work to close and move? for the current lease that has been cancelled? for the movers that have been scheduled? for the family that is now unable to move in here because we can not move out? for the pre-move-in renovations and repairs that can not now be done because the builders and contractors are fully scheduled for the rest of the summer and fall? Who watches our dog during the move because the kennel is now full with summer vacationer 's pets? 

I mean, EVEN IF THE LENDER HAD DENIED OUR LOAN 5 WEEKS AGO!, we would be better off than we are now. Had they said WE WILL NOT TOUCH YOUR DOCUMENTS UNTIL THE END AND THEN, WE PROBABLY WILL NOT MAKE YOUR CONTRACTED CLOSING DATE, we could have arranged a lease/purchase with the sellers and moved on time. 

IF THE FAULT WAS OURS, we would eat the delay and apologize profusely, but we had no fault. Our package was complete and the requested additional documents were minor, and WE GAVE THE APPLICATION PROCESS EIGHT WEEKS. 

There was no reason for us to believe the lender would not meet our extremely generous future close date. 

What can be done to close tomorrow, Wed XXXX XXXX? Does the CFPB have any pull to coerce an immediate solution? An immediate close?? 

Or can you only listen to us complain about a broken system? 

Lenders need some serious XXXX XXXX. 

... and some financial penalties TO. THE. BORROWERS. when they have been such pompous and ignorant butts about the whole ordeal. XXXX knows if my mortgage payment is late - " ... maybe Friday ... '' - I 'll pay a financial *and* a credit bureau penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this issue with each credit bureau, XXXX, XXXX and Equifax for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC below.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$1000.00} XXXX ACCT XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$630.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

Dovenmuehle Mortgage has been over-collecting on my escrow account for nearly a year. My taxes went down significantly ( $ XXXX ) due to my home being designated Historic. I called Dovenmuehle in XXXX of XXXX to see when my mortgage payment would be decreased and when I would receive a refund for my over-payment. They told me the analysis would be completed at the end of XXXX. I called in XXXX when I didn't see a difference on my mortgage statement. I was put on hold for hours and no one understood what I wanted. I called again a week later and the same ting happened. I was hung up on and had to go through the system several times until I finally gave up. I called in XXXX and asked for an escrow analysis. They said ok, and a week later I created an online account so I could check to see if there was a new analysis. There was. It still showed the previous tax amount. I called a week ago ( XX/XX/XXXX ) and was told that I needed to show them proof of the new tax amount. They told me it would take four days to re-run once I submitted the tax bill ( which they already had ). I called my county and had them send me the tax bill. I emailed it to the address provided by Dovenmuehle. I called today ( XX/XX/XXXX ) and was told an analysis would not be run because the difference was less than {$10.00}. At this point I asked to speak to her manager. She is now expediting my claim. It took five months and I was never followed up with, or treated fairly. They have been holding too much of my money in escrow and it shouldn't be my job to correct them beyond when they received the first tax bill in XX/XX/XXXX.
Product: Student loan

My husband and I consolidated our student loans, and in 15 years, we have never had a late payment, or struggled to make our payments. Sallie Mae sold our student loans to Navient, and after making a late payment one time, in XX/XX/2018, because I believed I made a payment, but forgot, Navient increased our interest rate an entire percentage point. I paid the student loan payment as soon as I was notified by Navient that the payment was late, and they still raised our interest rate. I called, and spoke to a representative who informed me she would submit a request to have the interest rate hike removed from the account, but it was not removed, though our conversation led me to believe it would be. When I called Navient back to question, they said our lower interest rate was a borrower incentive that had been removed, and that the 'processing department ' denied the request to add the incentive, and they would leave our interest rate higher by a full percentage point as a result of one late payment. It saddens me that after 15 years of almost always paying our payment early, one late payment would result in an interest rate hike of 1 %, with no grace on the part of the company. This is why Americans have so little faith in banks and lending companies like Navient.
Product: Credit card or prepaid card

My XXXX  XXXX Barclays XXXX Credit Card account ( Last Four Digits - XXXX / Expiration Date XX/XX/XXXX ) was closed for lack of use back in XXXX. The account was closed without Barclays providing notice to me that I needed to utilize the credit card or the account would be closed. 

I appealed the decision via a Consumer Financial Protection Bureau complaint in XXXX and XXXX XXXX XXXX from Barclays investigated my complaint and found that my XXXX XXXXe Barclays XXXX Credit Card account should be reopened ( see submitted letter dated XX/XX/XXXX ). Unfortunately, even though the XX/XX/XXXX letter from XXXX XXXX noted that my credit card account was reopened, when I attempted to utilize my card within the window provided the card was continuously declined at a number of different merchants. I left several phone messages to XXXX XXXX regarding this issue ( as directed in her XX/XX/XXXX correspondence ) ; however, my credit card account was never reopened as promised and therefore I was never able to utilize my XXXX XXXX Barclays XXXX Credit Card. 

I then submitted another complaint to the Consumer Financial Protection Bureau regarding the fact that my World Elite Barclays XXXX Credit Card was not usable as promised. XXXX XXXX XXXX from Barclays once again investigated my complaint and found that my XXXX XXXX Barclays XXXX Credit Card account should be reopened ( see submitted letter dated XX/XX/XXXX ). Unfortunately, once again, even though the XX/XX/XXXX letter from XXXX XXXX noted that my credit card account was reopened, when I attempted to utilize my card within the window provided the card was once again declined a number of times. I once again left a voice mail for XXXX XXXX regarding this issue ( as directed in her XX/XX/XXXX correspondence ) ; however, my credit card account was never reopened as promised, XXXX XXXX once again never returned my call and therefore I still unable to utilize my XXXX XXXX Barclays XXXX Credit Card. 

I would like to be able to utilize my XXXX XXXX Barclays FXXXX Credit Card once again as noted in both letters from XXXX XXXX at Barclays. 

Thank you, XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

i reviewed my credit report and noticed some fraudulent accounts. could you please remove these accounts from my credit file report because they affect my ability to obtain credit, according to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. please remove this information from my credit profile. it is unlawful for false and misleading denial of my unlimited credit based on Title 15 Subsection 1611 of the US code. 

SELF FINANCIAL/XX/XX/XXXXAccount number : XXXX Date opened : XX/XX/year>XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a fraud account on my report ive submitted all required documents to support my claim, the bureau claims that these documents were not in report as a cfpb rep clearly states that they are included as this report will also ... ... .. XXXX XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT I WILL LIKE TO HAVE IT REMOVED IMMEDIATELY
Product: Money transfer, virtual currency, or money service

I actively XXXX XXXX XXXX on the XXXX XXXX XXXX XXXX  ( XXXX ) run by Coinbase, a US company based in XXXX XXXX. My account was initially funded via a linked XXXX  checking account from which wire payments and ACHs have been initiated and settled without any issues. The following incidentis the first issue I 've experienced with their platform.
On Monday, XX/XX/XXXX, I attempted to link an additional checking account with intent to initiate a wire transfer onXX/XX/XXXXafter the Labor Day holiday. To confirm ownership of linked accounts, Coinbase asks you to confirm small transaction amounts in your account. The credit union that services this additional checking account had shut down its online banking system over the holiday for scheduled maintenance and I was unable to confirm the deposit amounts immediately.
However, from this point forward, I was unable to execute any trades on their XXXX platform or transfer funds ( virtual currency or USD ) in or out of Coinbase or XXXX. I opened a support ticket and went through the suggested steps to fix the problem on my own.
An automated prompt indicated that it may be an issue with identity verification. For example, if the credit union only had my middle initial on the account 's signature card, Coinbase may be unable to verify that with the driver 's license I submitted which has my full middle name. Furthermore, the inability to immediately confirm the deposit amounts may have triggered something in their fraud or compliance process.
After re-uploading my ID verification materials and removing the newly added checking account, my Coinbase and XXXX accounts were still locked down. I currently have around {$10000.00} USD worth of assets in an account on the XXXX platform.
Coinbase/XXXX  support has been unresponsive, with the exception of automated replies ( case # XXXX ). They do not have an option for live chat or telephone support.
Product: Credit card or prepaid card

I received a XXXX gift card for my birthday XX/XX/XXXX. I tried to use the card Monday XX/XX/XXXX. The card had the pin number that needed to be scratched off. The card was not used by me previously, as the number was not scratched until Monday. The clerk advised me that the card had a XXXX   balance. The card was worth {$50.00}. I explained I never used the card. The clerk suggested I contact the toll free number noted on the Gift Card. I contacted them, and the person I spoke with stated there was a XXXX  balance and the card was used in the XXXX XXXX XXXX California store. I typically order my items on line which I explained to her. She investigated and found the card was used XX/XX/XXXX in the store for cosmetics I do not use. I am not sure how the card could have been used without the pin number which as I stated above was not scratched prior to XX/XX/XXXX.
Product: Mortgage

I received a " Notice of XXXX XXXX '' from JFQ Lending Inc. that was made to look like an official government notification about my loan benefitting from enhancements to Fannie Mae Eligibility. The letter has a heading that says " XXXX  XXXX XXXX '' but it never describes any of these enhancements. Instead, it seems it is just a veiled solicitation for refinancing my home loan. I find it misleading and offensive. I feel the letter is predatory in that it tries to fool some people into thinking they need to do something about their existing loan to take advantage of some FNMA/government enhancements and it is misleading and unscrupulous.
Product: Checking or savings account

I have an auto payment setup for the balance for my credit card from truist whom i also bank with. I discovered on my last month i was charged twice for the same exact amount for my credit card payment. this issue was resolved with no problems. when i discovered that this had been going on since XX/XX/year> i called again. the lady i spoke to said that they would be able to give me a full refund within three to five business days. after the fifth day only one more refund had been received. When I called again today they had told me they could only honor one more payment because of the following : my credit card had exceeded its limit, it was a lot to process, and that i had waited too long to file a complaint. I had little choice in using the credit card because my checking account was suffering because of these payments. i had made the mistake of trusting the bank that i have been with for over twelve years, to handle my credit card payment that was from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationwide is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit file and noticed this reporting on my credit. This account is very old and past the statute of limitations to enforce any debt collection activity in the state of Utah. Not only that, under the FCRA this account is past the credit reporting limit and continuing to report this debt is a violation. Please remove this account from my credit file.
Product: Credit reporting or other personal consumer reports

i recently review a copy of my credit report and i noticed some fraudulent accounts on my report. please removed all the fraudulent accounts from my report. it is really hurting my ability to obtain credit