23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Twice in XXXX XXXX XXXX I reached out to Mohela regarding recertifying my PSLF. I have updated my information on studentaid.gov. Mohela has done nothing except tell me when a payment is due or when my payment will change and for how much. On XX/XX/XXXX, I uploaded my IDR on Mohela 's website. It appeared in the section " documents you sent us '' until sometime XXXX. On XX/XX/XXXX, noticing that the document disappeared, I went to studentaid.gov and submitting the document electronically. On the XXXX XXXX XXXX, I submitted a complaint to studentaid.gov of which they claimed to have sent to Mohela. Mohela has not attempted to recertify the issue or acknowledge that I have timely submitted my documents in order to have my account updated and recertified. Yet today XX/XX/XXXX Mohela has my account listed as past due for over XXXX XXXX  due on XX/XX/XXXX. Hopefully when my credit report is updated, my credit is not affected ; but I have to wait and see. None of this is my fault. I have doing what I'm supposed to for years!!!!
Product: Mortgage

On XX/XX/2022, Navy Federal Credit Union claims that they have withdrawn my application for a VA XXXX XXXX XXXX due to my failure to provide required documentation. The bank stated that a Notice of Incompleteness was issued on XX/XX/2022. The two issues that the bank claims led to the loan application being withdrawn were my income and XXXX XXXX service information along with an intent to meet the VA occupancy requirement. I consulted with the VA XXXX XXXX XXXX, and was advised that there is no occupancy requirement from the VA for a home loan assumption. Further, if there was an occupancy requirement, then I would have satisfied the requirement since I am currently on XXXX XXXX military orders away from my XXXX which is where the property that I would be assuming is located. 

For the XXXX XXXX service XXXX, I provided the lender with a copy of my XXXX which showed an XXXX date of XXXX. This should have indicated to underwriting that my base pay is stable and reliable. All of the documents that were requested were provided on time or a reference was made to the VA pamphlet XXXX to show where the documents were not required. The lender did not provide any opportunity to submit additional documentation in order to continue processing the application. They withdrew the application without warning and stated that the only recourse would be to restart the application from the beginning and resubmit all of the documents again to underwriting.
Product: Checking or savings account

From XXXX to XXXX, XXXX  I was scammed out of {$5500.00} between fraudulent checks and unauthorized XXXX payments . Despite immediately going into Chase XXXX XXXX XXXX when I realized that I was the victim of a scam, and closing out my old checking account, unauthorized XXXX continued from my new account. 

I have been working relentlessly to re-open my claims as this was so evidently a scam, and every time they have been closed citing that " I '' authorized the XXXX despite the fact that I went into a Chase branch, closed out my account, and opened a new one to avoid just that. They repeatedly stated that I authorized the XXXX despite it making no sense- why would I close out an account and then keep XXXX the scammers? 

I filed a police report, and the detective is actively working to find the three people involved in scamming me, but as you can imagine, it's a slow and difficult process to locate these people. I am XXXX XXXX XXXX XXXX and in XXXX XXXX - this money is vital for me to pay rent and keep food on the table. Chase has been very hard to communicate with, and I do not feel protected or valued as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported hardship to Flagstar bank in response the COVID pandemic during the month of XXXX. Flagstar bank initiated the forbearance under the XXXX XXXX but still reported the month of XXXX as delinquent to all three credit bureaus. I have disputed this with all three credit bureau 's but they were unsuccessful at removing the derogatory remark. I have also reached out to Flagstar bank but they have been uncooperative in helping to remove this inaccurate remark on my credit report. I am now unable to refinance my home at a lower rate due to this report as VA require no missed payments in 12 months. Your help in this matter is greatly appreciated.
Product: Debt collection

Date : XX/XX/XXXX Amount : $ {$3300.00} Email : XXXX XXXX XXXX Southwest Recovery Services with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX from XXXX to XXXX XXXX XXXX to XXXX I received an email from Southwest Recovery Services with XXXX XXXX XXXX in regards to a collection amount of {$3300.00}. I have already gone to court and the judge already granted the decision for me to pay XXXX XXXX XXXX in the amount of {$2900.00} in XX/XX/XXXX. XXXX XXXX XXXX is requesting more payments after XX/XX/XXXX when I am no longer living on the property. XXXX XXXX XXXX is asking for XXXX and XX/XX/XXXX Payments.
Product: Mortgage

XXXX XXXX For my escrow account, Shellpoint Mortgage company has withdrawn excessive amounts of 3 tax disbursements and 2 insurance premium payments. 
For tax disbursements the city takes quarterly payments, not 3 city tax payments all at once. 
This needs to be corrected and the excessive amounts withdrawn returned to my escrow account.
Product: Credit reporting or other personal consumer reports

The following items do not belong to me. I have already submitted my FTC report showing that the fraud company didn't remove them under section 605. They have 4 days to remove fraud items and block these items. I demand immediate removal. We are looking to pursue arbitration if items are not removed and blocked immediately.

I also request the FTC to send all documents including my drivers license my id to these agencies
Product: Checking or savings account

The first time I received closure letters as to my my personal bank account, business bank account and personal credit cards, was letters from Citibank dated XX/XX/2023. However, after inquiring as to the reason why the accounts were to be closed, I received letters back stating that the accounts were closed in error and the credit cards have been re-activated. Furthermore, my Citibank personal and business bank accounts also remained open ( Please see attached bank error letters dated XX/XX/2023 ). 

Now, I received another sets of account closure letters from Citibank, dated XX/XX/2023. 

Since XXXX of XXXX  to now, nothing has changed neither in the use of my accounts, my personal nor professional life. I have been a loyal Citibank customer for over XXXX XXXX XXXXXXXX XXXX years. My credit score is excellent, there have been no late payments nor did I ever have any other issues with Citibank. I am a practicing attorney in XXXX XXXX, have not been involved in any criminal matters or have any pending criminal cases against me. 

Citibank also for the XXXX time, sent my parents an account closure letter. My parents, XXXX and XXXX XXXX, have been with Citibank for even a longer period of time than me. My father is XXXX  and I believe he is also being targeted by Citibank. 

Because of the above, I believe there are discriminatory banking practices involved and I am demanding an investigation as to Citibank 's discriminatory banking practices as to the reasons of my account closures. I am an XXXX  woman and believe I am a target of Citibank 's dissimilatory banking practices.
Product: Debt collection

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately!
Product: Student loan

My student loans that I pay {$290.00} per month for are currently {$62000.00} which they have remained steadily for at least the past year. The company states paying {$290.00} per month of the loan will result in it costing me {$120000.00} overall. I have not missed a payment in years yet it grows higher and higher. The applied my entire last years payments to interest only ( without giving me any option ) and continued to compound interest of my FELP loans as well as my subsidized and unsubsidized. I have been on autopayment for 2 years in order to get an interest reduction but was penalized when I cancelled it for one month. I am not on the lowest plan and in fact am on the middle of 5 plans.
Product: Consumer Loan

I called  Automobile Acceptance bec ause I am trying to fix my previous mistakes from 5 years ago. I am in the process of getting a financial license that requires me to explain past financial mistakes. It requires me to show proof that a debt has been paid, proof that a payment plan has been established and t hat 3 current pay ments have been made, or prove the debt is not mine and dispute with creditor and credit agency. I called  Automobile Acceptance aft er 5 years of not dealing with them. The account shows as a repossession, which it was, and I have not received a call or a piece of mail since the repossession. I have had the same phone number the entire time, since   XXXX  . I called them to discuss a payment arrangement and was offered an arrangement of 60 % of the balance for {$120.00} a month, or 50 % of balance for {$150.00} a month. I asked if there was anyway to do a weekly arrangement of {$40.00} a week so I can show that I have m ade 3 payme nts to the GA  Dept of Banking and Finance so I can proceed with my life and future employment endeavors. I was the n accused of wanting to pay jus t 3 payments an d then not pay them again. I never once said that. They said that they could not offer weekly arrangements. I was then sent to a supervisor ...  XXXX , the  Legal Manager. After much back and forth, she put me on hold and said I could pay {$50.00} a week, but it   would be on the entire balance of {$4600.00}.     They have not attempted to contact me for 5 years. I contacted them to try to take care of the deficiency balance. I never even received a letter stating the remaining balance after the sale of the vehicle. I want to work something out with this company, but it just reminded me as to why I regretted buying the vehicle in the first place. They prey on people in need and over price their cars and then charge you a ridiculous interest rate on top of the overpriced car. Its my fault that I did it, but I am trying to take care of it.
Product: Checking or savings account

More than {$600.00} was taken from my Wells Fargo account that I did not authorize by way of my debit card. I personally went to one of the merchants and requested to see video of the person using the card. It was not me and I did not know the person. Wells Fargo has not reached out to the merchants as I did and request to see the same to rule out it was me using the card. Very unfair.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$530.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Id like to bring to your attention the following errors in my credit report. I am hoping to get some assistance from the CFPB, in accordance with the Fair Credit Reporting Act. Id like to request the deletion of these inaccurate accounts that are having a detrimental impact on my XXXX XXXX and resultant interest rate costs : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, account ending XXXX ( a ) Account Status should show Closed ; was paid as agreed ( b ) Available Credit {$0.00}. No late payments. 
( c ) Error in the record. I request CFPB assistance so Experian, XXXX and XXXX would please remove this record. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX, account XXXX ( a ) Duplicate account, and covered under number XXXX above. 
( b ) This account was not Charged Off. 
( c ) Error in the record. I request CFPB assistance so Experian, XXXX and XXXX would please remove this record. 

3. XXXX XXXX  account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$150.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so Experian, XXXX and XXXX would please remove this record. 

4. XXXX XXXX  account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of XXXX  from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so Experian, XXXX and XXXX would please remove this record. 

5. XXXX XXXX, account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of XXXX from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so Experian, XXXX and XXXX would please remove this record. 

Thank you for your attention to this matter, and feel free to reach me by phone or email. Based on your determinations, XXXX happy to follow up with XXXX XXXX, XXXX XXXXXXXX XXXX as well as the credit reporting bureaus. 

Kind regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items to XXXX for six months now, which they have fixed some of my issues. I am a victim of Hurricane Harvey. My credit is very important to me. I called everyone of my creditors right after the storm. They all agreed to postpone my payments to recover from the storm damages. Now months after the storm, XXXX is reporting I have late payments on my credit report when I know I contacted each creditor and arranged an agreement. And also, XXXX is reporting I have missed payments on student loans that are duplicate accounts. All of my school loans have been deferred for years now, because I am still in school. This false reporting information has impacted my credit score and been damaging my credit for years now. I have been paying higher interest rates on loans and higher insurance rates, because of their erroneous reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuse too release my credit report and score they have successfully verified me through there identity verification system I sent copy of my ca drivers license and birth certificate and social security and W2 and pay stubs they still won't release my credit report there in violation of XXXX credit report
Product: Checking or savings account

I am extremely frustrated and disappointed to inform you that someone has opened an account using my personal information on Bank of America, and attempted to do the same at XXXX XXXX and XXXX. This is a clear case of fraud and identity theft, and it has caused me a great deal of stress and financial harm. 

This fraudulent activity has already had a negative impact on my credit score and financial stability, and I refuse to suffer any further losses or damages as a result of this criminal act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT TREASURY Account Number:XXXX and list of Inquiries.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX I as the consumer have attempted to contact this company multiple times to seek remedy & it is now believed that this company is operating under the XXXX XXXX XXXX. Under the Fair Credit Reporting Act, I the federally protected consumer wish to exercise my right to opt out of the disclosure this nonpublic information from my consumer credit report as i may have given written, unwritten, verbal and non verbal consent per 15 USC 6802 ( B ). I the consumer was never provided a method to opt out of the disclosure of my nonpublic information to this nonaffiliated third party per 16 CFR Part 313. I under the Privacy Act Of 1974 have the right to be protected against unwarranted invasion of my privacy from the collection, maintenance, use and disclosure of my personal information.
Product: Checking or savings account

I am writing to file a complaint against NAVY FEDERAL CREDIT UNION regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees and my account closed due to lagged postings and charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these actions are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Please conduct an investigation of these items, as required by the Fair Credit Reporting Act ( FCRA ), and remove or correct them as appropriate. Attached is a copy of my credit report highlighting the disputed entries, along with any supporting documentation that can assist in your investigation. 

I appreciate your prompt attention to this matter and expect a written response detailing the results of your investigation within 30 days, as stipulated by the FCRA. If any item is not removed, please include the name and contact information of the entity that verified its accuracy.
Product: Checking or savings account

During my CD renewal period, I called the local branch where I have banked for years to ascertain their current interest rate. I was quoted 1.4 percent. I left my CD in place in the sum of {$30000.00} and my first month of interest posted on XX/XX/XXXX in amount of {$6.00} and then {$6.00} on XX/XX/XXXX. I contacted XXXX, Branch Mgr., on XX/XX/XXXX and he said call corporate. Extremely disappointed and dissatisifed. I began contacting their Corporate office and spoke with a XXXX on XX/XX/XXXX who transferred me to their Executive Office. I spoke with XXXX of the Executive Offices Case Mgmt. Team and was assigned a case management number. I had received an emailed from bank stating I would hear in 3 days from XX/XX/XXXX. To date, never heard from anyone! I was waiting for a case manager to be assigned and was not assigned one for at least 10 days, at which time I called the main executive office and spoke to XXXX once and requested info and another time with XXXX. XXXX walked over to the case workers ' department and a XXXX provided me with her direct number and said she would work on my case, even though it was assigned to someone who was out of the office, and get back to me. I called XXXX many times and left voicemail messages. I left messages and no response. Again, I called yesterday, I spoke with XXXX for a second time at the main executive office and demanded an upper level supervisor. I held on with her for 35 minutes at which time she cut me off and never called me back on my home number or cell number. I called the main number back immediately and spoke with XXXX who does not know XXXX. He said XXXX is no longer working on my case. After 25 mins, he told me there was nothing he can do in his attempt to locate a supervisor and then transferred me to square one. I am at my wits end. I explained that we are seniors and need the rate we were promised and I want my interest rate back dated. I also stated that I would contact the Dept. of Banking & Finance if they refused to handle my account and do the right thing. Please help us to receive the promised interest rate expected, as quoted, since XX/XX/XXXX. The CD is for 9 months. I am into the third month at this time. The banking institution does not care about their loyal customers, in my opinion. I have not returned to this branch except for the cash machine. As a senior, I have had many CDs throughout my life, and I never had any issues with the bank and I know how renewals work. Thanking you in advance for your help during this time and I hope that this situation does not happen to another consumer.
Product: Checking or savings account

Purchased a XXXX XXXX XXXX XXXXXXXX was taken from my account twice. 

My reference number from XXXX is XXXX. 

I'm unable to purchase anything from XXXX. 

My back verify that it was taken twice. Truist is my bank
Product: Checking or savings account

In early XX/XX/2018, PayPal asked me to update my outside credit card information and upload a scan of my driver license. I complied. 

On XX/XX/2018, PayPal restricted me from making transfers to and from my account on the grounds that my account is controlled by a foreigner. 

I opened my account from the USA at least 17 years ago. I have only and always been a USA citizen from birth and have always maintained a residence in the USA and have been physically in the USA for at least seven months of every calendar year. My account has been controlled only by myself and PayPal. I have never given access to anyone else. 

On XX/XX/2018, I discussed the matter with PayPal agent XXXX by telephone. She said that they needed a proof of address other than my driver license. She sent me a link to upload a document. But the upload function is disallowed because of the restriction PayPal placed on my account. And XXXX wont remove the restriction until I upload the document. My current address is a home which I own in my own name which is a matter of public record. 

I called PayPal again. But reaching XXXX was not possible because PayPal doesnt transfer calls to specific agents or have any way to identify XXXX. They can not even read the message that she sent to me in the PayPal Message Center. 

PayPal closed my account based on a hasty and incorrect conclusion that I was a foreign agent and said that they will keep my money for 180 days, then mail a check to me.