23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We refinanced our home with XXXX XXXX on XX/XX/XXXX / now Wells Fargo Bank. After paying our last house note and the principle balance on XX/XX/XXXX, on the XX/XX/XXXX all these funds were placed in a unassigned funds status and our account has been handled as if we are late paying the last payment with interest being added daily on the unpaid balance ( which has already been paid ). We have talked to numerous customer service reps. and three ( 3 ) different supervisors, who all have given us the same run-around and no one has followed through to finalize this account as a paid in full account. In the beginning of the problem, Wells Fargo said the problem was that there was a missing payment from XX/XX/XXXX ; only to find that that payment was sent by XXXX XXXX Georgia, a grant program we were able to take advantage of during a time of hardship. That program lasted 18 months and the payments to Wells Fargo was turned back over to us after that time. Since that time, we have not missed a payment. We were told that the payment they thought to be missing has been located and we would be hearing from the mortgage dept. within one to two days to finalize this account as paid in full. That person I, spoke with ( XXXX, Code # XXXX ) told me that the payment was misplaced because it was sent to the original account number which was changed after Wells Fargo took over XXXX XXXX. It is now XX/XX/XXXX and that has not happened ; and the people we've talked to have not gotten back with us as promised ; nor can they be reached any longer. We now keep getting new people who start the same run-around over and over again.
Product: Student loan

On XX/XX/XXXX I received an email from the U.S. Dept. of Education from the office of Federal Student Aid signed by XXXX XXXX, Chief Operating XXXX. This letter states that all XXXX loans taken out from XXXX XXXX to XXXX of XXXX will be XXXX without requiring me to file an application due the widespread and pervasive nature of the school 's actions. This was to be a Group Discharge and the letter states that I do not need to do anything further.

While " some '' of my loans were discharged, {$64000.00} of the loans are still in Forbearance and the lender holding these loans ( AidVantage ) states that they did not receive any instructions from the Dept. of Education to discharge these loans. 
ALL of these loans were taken out to attend XXXX within the specified dates and therefore should be discharged according to the Dept. of Education.

AidVantage will not do anything other than tell me to contact the Dept. of Education, the Dept of Education borrower defense line states that they have been " experiencing historically high call volume '', tells me to try again later and hangs up. Of the few times I have been able to get a person on the line with the Dept. of Education they say they sent discharges for all the loans, AidVantage says otherwise.

I have filed multiple complaints with the Dept. of Education and have received no response after several months. 
The remaining loans are the vast majority of the loans taken out for XXXX. They are Federal Student Loans and it seems no one cares that they should be XXXX. 
If I do not get a satisfactory resolution ( discharge of my XXXX loans per the Dept of Education ) my only recourse will be to file a lawsuit against AidVantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent dispute letters via certified mail to all 3 bureaus. On XX/XX/21 I followed up with a demand to comply letter, again sent via certified mail. To date, I have not been notified in regard to any of these accounts. According to the FCRA these accounts must be removed immediately from my consumer report. 

I XXXX XXXX am submitting this complaint, not a 3rd party. Thanks!
Product: Mortgage

This complaint is being filed against PNC Mortgage Co. due to the fact that they have refused to mail me a statement for my XX/XX/2021 payment which would bring my mortgage current. Due to the XXXX virus pandemic I was having problems paying my mortgage on time. My county- XXXX XXXX has been assisting their residents with funds from the CARES ACT to pay their mortgage. They will pay the principle and interest and I have been paying my escrow. The mortgage company has a policy of not accepting/ posting partial payments but I have kept them informed of what is going on and they have been accepting my county 's portion of {$490.00} + my portion of {$380.00} : now that my payment for XX/XX/2021 will bring mortgage current they are refusing to mail me a statement. I have ask for a statement when I made my latest part of my payment for XXXX on XX/XX/2021. The person that I made my payment with said she would see that I got the statement ... I've got nothing. On Monday XX/XX/XXXX I received a call from some guy at PNC, who didn't Identify himself, instead he begins to tell me that since I was always late with my payment that I should go back on a forbearance plan. I told him that payments made in XX/XX/2021 would bring my mortgage current and I asked him about getting me statement in the mail. He said he would see what he could do, or I could go to one of their new locations in the XXXX area and get the a copy of XXXX statement printed out asked him to hold for a second so that I could get a pen to write his name down, he said ok, instead he hung up. 
I have gone to two different branches ; each time at first I was told yes then they came up with the lie that they couldn't because they couldn't be sure I was the mortgage ownerthough they were given my Texas driver license and I showed them my XXXX statement which had with me. 
Since this Decembe payment will bring my account current, I know what they are attempting to do since I can't submit to my county for their assistance without a statement, PNC has decided that they will force me back on a forbearance plan because the guy who called me alluded to that. I need some help quickly from you all because they are trying to add every fee that they can come up with such as late charge fee, late charge assessment fee, etc., etc. 
In conclusion, can I please get some assistance quickly from the CFPB, because PNC is just the lowest of low and I am trying to move my mortgage to a more fair and reputable company. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that have spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name and have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureau to have these items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute fraudulent accounts that have appeared on my credit reports from Transunion, XXXX, and XXXX. The accounts in question are associated with XXXX XXXX and XXXX XXXX, and they were opened without my knowledge or consent. 

1. XXXX XXXX - XX/XX/XXXX - XXXX 2. XXXX XXXX - XX/XX/XXXX - XXXX As a victim of identity theft, I am deeply concerned about the impact that these fraudulent accounts will have on my credit score and my ability to obtain credit in the future. I am writing to request that these accounts be deleted from my credit reports immediately, and that any associated negative marks or comments be removed as well. 

I have taken all necessary steps to protect myself from identity theft, including notifying the Federal Trade Commission. I have also contacted XXXX XXXXXXXX and XXXX XXXX directly to inform them of the fraudulent accounts and request that they be closed. 

I understand that as a consumer, I have certain rights under the Fair Credit Reporting Act ( FCRA ). These rights include the right to dispute inaccurate or fraudulent information on my credit reports, and the right to have that information corrected or removed. 

I urge you to take swift action to remove these fraudulent accounts from my credit reports, and to take steps to prevent similar incidents from occurring in the future. I have attached copies of relevant documentation to support my claim. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I believe securities fraud, identity theft, and other consumer rights were violated. 
A fraudulent contract was made with my identity which resulted in damages to self and credit. 
Contract omitted consumer information Security Interest was not perfected under UCC Cash downpayment was taken in the making of the credit consumer contract, which federal law states cash is prohibited in a consumer credit transaction.

Finance charge was fraudulent Violations done by companies - 12 CFR part 1026 Truth In Lending 12 CFR part 1006 Fair Debt Collection Practices 12 CFR part 1016 Privacy of Consumer Financial Information 12 CFR part 1041 Payday Lending Rule 15 U.S Code 6802 15 U.S Code 6805
Product: Credit card

In a letter dated XX/XX/2023, American Express ( AE ) suspended my charging privileges for my Open Card account and any associated Additional Cards because they do not have my physical address. Attached hereto is a copy of the letter. I have never been notified of this in the more than forty-five years as a Card Member. AE has always maintained my business address for my business card and has never requested my physical address. On XX/XX/2023, I called AE to demand my business card be reinstated and after thirty minutes of being passed around, I spoke with XXXX, supervisor located in North Carolina. The call was consented taped recorded. In speaking with XXXX she stated AE suspended my charging privileges for my Open Card account and any associated Additional Cards because they do not have my physical address as required by Federal guidelines. I questioned XXXX what were the Federal guidelines AE is asserting as a reason for suspending my charging privileges. I asserted that the letter did not cite any authority to base their decision. And requested to cite the authority that requires I provide a physical address when my credit card is for business only and AE has always maintained my business address. XXXX failed to cite or assert any authority and stated she does not know of any federal guidelines to cause my charging privileges to be suspended.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : SOUTHWEST RECOVERY SERVICES
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the recent Annual Credit Report dated XXXX company Cache LLC has reported a debt of XXXX. This charged was disputed as a fraudulent charge originally in XXXX and again in XXXX under the name XXXX. Previously named XXXX. The credit bureaus favored the decision and removed the charge from the report. however the company has resubmitted the claim under a different name 3 times. The companies have provided no proof that this is a legate charge to the individual. I have notified the FTC. Along with the 3 major credit bureaus. This has become an ongoing process. The CFPB needs to assist in implementing regulation to prevent this type of double jeopardy reporting
Product: Credit reporting or other personal consumer reports

15 USC 1681 Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 USC 1681 b A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law 15 USC 1681A Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility XXXX Charge off Account number XXXX XXXX XXXX Removal of late payments Account number XXXX XXXX XXXX of late payments Account Number XXXX XXXX XXXX  Removal of late payments Account number XXXX XXXX XXXX XXXX Removal of late payments Account number XXXX XXXX XXXX Removal of late payment XXXX XXXX XXXX Closed account Account number XXXX
Product: Credit reporting or other personal consumer reports

All of the auto requests on my report from May have been falsely applied for on my credit reports. There are many. There are also credit cards. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a home equity loan with Discover Home Loans. Originally I applied concurrent with a refinance ( from another lender ) of my first mortgage. Discover had told me it was appropriate to apply concurrently, however, I was later informed that I would have to reapply after the refinance closed ( which was imminent when I was informed ). When I reapplied, Discover informed me that the value of my home had decreased from approximately {$1.00} XXXX ( per Discover appraisal in XX/XX/2020 ) to {$950000.00} ( Discover appraisal in XXXX ). I filed a dispute but no action was taken to properly resolve this issue.
Product: Credit reporting or other personal consumer reports

I have recieved my Copy B form from my 1099C cancelation of debt for XXXX XXXX loans. Amount of debt canceled and forgiven of {$13000.00} at the time it was along with any update amount showing now. As well as another Copy B form i have recieved for XXXX XXXX XXXX XXXX loan account. Form 1099C cancelation of debt to be properly updated on my XXXX  credit score as paided as agreed as the debt was also canceled and forgiven. Both 1099C forms i will attach to this compliant for my student loan and car loan account to be properly reflected and finilized for my XXXX credit report and Transunion as shown.
Product: Credit card

I currently have an American Express Blue Business Plus credit card. Via an online promotional offer, I added two Employee cards, one on XX/XX/XXXX, one on XX/XX/XXXX. The terms of the offer were as follows : spend {$4000.00} per card within 6 months, earn XXXX Membership Rewards points. 

The spend for each card was completed around XX/XX/XXXX. On XX/XX/XXXX, I received only XXXX bonus points for each card. The code attached to each bonus reads : XXXX a XXXXXXXX XXXX XXXX XXXX. This is the incorrect offer. I should have been awarded XXXX bonus points, not XXXX. 

On XX/XX/XXXX, I called about the missing points and was told that a case would be opened and I would hear back within 48 hours. I never heard back. I called again on XX/XX/XXXX and spoke with a different customer service agent, who was able to see the case in the system. However, nothing had been done. This agent told me the case would be escalated and I would hear back within 7-10 business days. 

As of today, XX/XX/XXXX, I have had no communication regarding this incorrect bonus from American Express. 

The page I clicked through clearly stated the terms of the bonus. I never would have added an employee card with the terms of the bonus received because American Express frequently offers better bonuses. In fact, just 3 months later I added three employee cards through another promotional page. The terms of the second offer were : spend {$2000.00} within the first 6 months, receive XXXX additional XXXX XXXX. I have completed the spend for one of the cards and did in fact receive the correct bonus points. 

I do not have screen shots of the original offer because frankly, I shouldn't have to take screen shots of every single action I take with every single bank. Banks should honor the terms of the contract they enter into, and are in fact legally obligated to do so. I have upheld my side of the contract ; now American Express needs to do the same.
Product: Checking or savings account

Deposited two mortgage payments to my mortgage company that were lost. Bank states they were delivered and mortgage company claims not to have received payment.
Product: Debt collection

I have sent certified letters via mail time after time after time requesting this false information be removed from my credit report as they are not able to verify that the debt belongs to me. No one has responded or honored my request.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/XXXX Robinhood flagged my account for suspicious activity after the stock market tanked. Which wouldn't allow me to buy sell or trade assets. Shortly after that with no explanation Robinhood locked and started the process to close my account. I couldn't access my bank account which is connected to my work via direct deposit. I couldn't access my over {$8000.00} in my Robinhood brokerage and I was unable to pay any bills or use my Robinhood debit card or do anything at all. When I reached out to Robinhood they said they're closing my account and it will take up to 15 days to hear back or get any information. I asked to transfer my assets and they keep responding with my account is closing but never gave me any way to get my assets or money back. My bank account and investment accounts are locked
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information which has led to a data breach that puts myself and millions of others at risk. They decided not to securely handle this important data with proper authentication, encryption, or storage. Sensitive info, like my SSN, now has the potential to end up in somebody 's hands that will use it to steal my identity and potentially ruin my life. 

I am extremely upset with how Equifax has handled reporting this breach as well. Very little was done to notify the public after the breach was detected. I had to find out about the breach from second and third hand sources on social media, as I received no notification what so ever. This all is an undue burden from a company that I have no choice of doing business with, as they are a vendor to my credit companies. Equifax has displayed the utmost negligence and lack of remorse. Their executives even cashed out stock before announcing the breach to the public so they would n't lose too much money, which is truly shameful.
Product: Mortgage

I entered into and Agreement in XXXX, 2019 with XXXX XXXX XXXX for a loan amount of {$31000.00} against my home. The understanding was that and when I chose to sell my home I was responsible for repayment at time of escrow. It is now XXXX XXXX years later and they own ALL the equity in my home. It was appraised for {$370000.00} and the estimated sale price would be approximately {$520000.00}. They would receive over {$160000.00} for a {$31000.00} loan. I no longer own the equity in my home. The only caveat is that I owned my home outright when I borrowed the money so I do not have a mortgage to consider, however, at XXXX XXXX XXXX I will never be able to sell my home with any hope of an equal return on my original investment. I have had XXXX lawyers read the document and they have both said it is predatory, confusing and reads exactly like a reverse mortgage without the typical reverse mortgage language and that is how they are confusing and gaslighting people. If I were to pay it off, it would cost me over {$80000.00} due to the 33.75 % interest rate which s far above a traditional home equity loan. I would be happy to pay it off if there was a way to renegotiate but there isnt. In addition, Unison Home has several class action lawsuits pending against them in the XXXX XXXX.