23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact the bureaus but there seems to be no way to easily contact any one of them. I moved my investment account selling XXXX or so in bonds and but it in stocks I already owned. This was because of inflation risk. I did not take any money out of the investment accounts and they as saying I have to pay down XXXX of student loans for my credit to go up. I virtually have no other debt and only XXXX in student loans and have worked the entire duration making XXXX to XXXX qualified payments on my student loans and only have XXXX payments to make before the loans are completely forgiven under the XXXX XXXX XXXX XXXX XXXX before they are completely written off about XXXX dollars. I do and am not required to make extra payments as under the program extra payments do not count towards forgiveness. 

I work for a law, XXXX enforcement agency and dont have XXXX of payments left to make and I will resume making payments on them when the Covid 19 which made loans of this nature exempt during Covid 19. 

If they would look i. Have just as much money XXXX in cash as I had before and am not required to make XXXX in student loan payments and they are incompetently reporting and violating federal laws by including them.
Product: Mortgage

I applied for a primary home mortgage through Wells Fargo in the XXXX of 2014. After reviewing my credit/income information, WF issued me a commitment letter for the purchase of my home dated XXXX/XXXX/2014. It was a 15 year mortgage with 20 % down and a 3.625 % interest rate. Closing was scheduled for some time in XXXX. Just before closing, WF told me that based on the appraisal report, I was required to bring {$500.00} to closing and put siding on XXXX side of the property ( I have never heard of an appraiser requring work to be done on the property ). I objected to the last minute notice and the additional monies I would need. The WF rep told me that I could put 15 % down, pay PMI and a slightly higher interest rate to fund the siding and additional monies required at close. I refused their offer. About a week later, just as I was about to put siding on a house I did not own, WF told me their underwriting unit rejected the loan application because I did not provide suitable comps, even though comps had been submitted to them months ago. Closing was pushed back yet again. Additional comps were provided, but those comps were deemed unsuitable. I was never told why. I then asked WF whether they were rejecting my loan and that I would need a written rejection to get my XXXX security deposit back. They would not respond. I pursued a loan with another lender, and settled within three weeks. A few months later, WF officially rejected my loan due to my credit ( although they had already approved me through a commitment letter ). I believe that the entire process was a scheme designed to suck me in with a great interest rate, and then at the last minute claim I had to come up with more money to close, thereby getting me me to lower my down payment, pay PMI and a higher interest rate. WF 's deceptive sales practices caused me to incur additional moving, storage and living expenses in the amount of $ XXXX. Plus, I paid additional appraisal fees to XXXX lenders ( approx. {$500.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my SS XXXX DOB is XXXX. I live at XXXX XXXX XXXX XXXX, XXXX XXXX. please remove any other spelling of my name. I have some addresses that are not mines possibly fraudulent I have a exboyfriend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX.I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : 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 The follow number are not accurate please delete/remove they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Mortgage

In this complain, I report two discriminations I observed when doing refinance with PNC. These kinds of discriminations are systematically implemented in PNC, from individual underwriter to their director. 

1. discriminate small lender- PNC discriminate small lender by asking for materials beyond their capabilities, for example, only accept statements printed from a website, which is discriminating the small lenders without a full functional user portal.- PNC also asking forexcessive materialsthat not usually required.

2. discriminate income source- PNC is asking for excessive materialsfor equality income, posing more restriction in the acceptedformat, style.

Beyondthis, PNC underwriter also try misleading my current lender to providemisinformation to against me. For example, asking my current lender to explain why I haven't pay the mortgage that not due yet. And PNC also asking my current lender to explain the not existing mis-payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several incorrect items on my credit report plenty of times, but the items have not been removed from my report. Ive also sent in letters to dispute those items Ive called and try to get them to remove the items over the phone of disputed online also but nothing ever seems to work out for those items to be removed.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy 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: Student loan

I have been in repayment since XXXX. I was originally under XXXX and now loans are mantained through Nelnet and Federalstudentloan.gov. It been 28 years since I have been in repayment. In XXXX the loans were consolidated. My understanding is that you would be eligible after 20 years. Why am I not yet eligible for forgiveness and what date should I be eligible for forgiveness? Are you reviewing records accurately and not disregarding things prior to consolidation
Product: Credit reporting or other personal consumer reports

These are my repeated attempts to convey that I've fallen victim to identity theft. I'm raising concerns regarding certain entries in my documents resulting from this crime. These entries have no connection to any transactions I've initiated or approved for acquiring goods, services, or money. If there's indifference, I request the removal of any information related to alleged fraud or extortion from my credit record. 
XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Ocwen Loan Servicing LLC XXXX XXXX regarding the need for a payment program due to just graduating and seeking gainful employment. As a result, I was provided with a program and was advised by the specialist that as long as I paid the payment amount by the XXXX of every month I would not be considered late. Furthermore, my payment would reflect as current on my credit report with all three credit reporting agencies. I began making payments ranging from the XXXX to the XXXX of each month. Unfortunately, I did not discover until several months later that my payments for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX were reported as late on my credit report. I called and spoke to several specialists starting in XXXX XXXX and was continuously assured that as long as I made a payment by the XXXX I would not be considered late and it would not negatively report on my credit report. Furthermore, I was advised that the aforementioned reported late payments would be corrected to reflect that I paid on time. I completed the payment program in XXXX of XXXX and my mortgage account has been up-to-date ever since. Unfortunately, to no avail has my credit report from XXXX, XXXX or XXXX been corrected by Ocwen Loan Servicing LLC to reflect XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX as being paid on time. I would greatly appreciate assistance with having this issue corrected. I have the names of the specialists I spoke to and the dates that are available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to apply for a car loan today XXXX. I have a freeze on all of my credit reports due to having my identity stolen. Last night ( XXXX ) I attempted to unfreeze all of my accounts. I was able to unfreeze all, but one with Equifax. I have had repetitive issues throughout the years to unfreeze my account with Equifax. I called and spoke with two representatives and a supervisor on XXXX. I was able to prove my identity, but was told that I would still need to fax over my social security card, ID and a letter explaining why I sending over the documents. They explained to me that they needed updated information about myself in the system before they can lift the freeze on my account. This provides an issue for me, because they have told me that the processing time take 3-5 business days for them to process the information. 

They explained to me that they were unable to access my account until I provide them with my personal information. I have an issue with this company not only for the fact of the matter that my personal information was stolen from them due to their security breech, but for the fact of the matter I am being held hostage and unable to apply for a loan due to their inability to keep my information current. I now am in a situation where I can not apply for a loan because Equifax will not unfreeze my account for several days. 

I am looking for assistance for a quicker resolution so that I can apply for a loan. This company has made my life more difficult from the day that my information was stolen from their company. They continue to make my ability to apply for loans increasingly difficult when the ability to manage personal freezes should be a simple and seamless process. 

Although reluctant to give my personal information to this company that has not kept my information private in the past - I am willing to give them my information. However, a processing time of 3-5 days is unreasonable and unfair. I can loose out all because this company refuses to release my freeze.
Product: Debt collection

I am unaware of the below accounts and inquiries and I did not give any person or company my written or verbal consent to have, use, and or obtain my nonpublic personal information to apply for credit. The FCRA state in 15 USC 1681c-2 any item the consumer ( me ) declares as fraud SHALL be blocked from reporting within 4 business days of receipt of notice
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience and according to 15U.S.C.1692C, my rights have been violated by unlawful communications. Please remove these collections off of my credit report. Thank you,
Product: Credit card or prepaid card

My cash app account withdrew XXXX dollars from my bank card to someone else cash app card without my permission I have reached out to them several times and they keep saying that its my banks fault which my bank says because it was taken out from a card that was liknked to my cash app account I need to talk to cash app.i sent them a copy of the transaction and the number of the card it was sent to they still refuse to investigate this problem
Product: Student loan

I am writing to express my concern regarding a recent interaction with my current loan servicer, Mohela, which has left me in a difficult situation as I attempted to apply for the SAVE program. 

On XX/XX/XXXX, I spoke with a representative at XXXX XXXX who advised me to consolidate all of my student loans, including Parent PLUS loans, under the Department of Education. I was informed that this was the only way I could qualify for the XXXX XXXX XXXX program. Following this advice, I proceeded with the consolidation as instructed. 

However, during a conversation with a Mohela representative on XX/XX/XXXX, I was informed that my consolidation of XXXX XXXX XXXX disqualifies me from the SAVE program. I was advised that I should have consolidated only my XXXX  loans, not the XXXX XXXX XXXX. The erroneous information received from XXXX has put me in a challenging financial position. 

As it stands, my current take-home income and family size do not allow me to afford the payment now required by Mohela. Despite having incurred a significant amount of student loan debt with the expectation that a XXXX  would enhance my XXXX XXXX I have been unable to secure a higher-paying job that recognizes the value of my XXXX  and would help alleviate this financial burden. 

Additionally, I have submitted a borrowers defense application due to my attendance at the XXXX  XXXX XXXX, a predatory institution. I completed this application in XX/XX/XXXX, and it has yet to be reviewed. I was informed that the review process could take anywhere from XXXX XXXX XXXX XXXX 

I have had deferments and forbearances over the years, including income-based repayments of {$0.00} per month. I am just learning that these may not be counted toward the Public Service Loan Forgiveness ( PSLF ) program, for which I am eligible. 

The method of basing repayment on gross income rather than net income is problematic. With the rising costs of essential expenses such as mortgage payments, utilities, transportation, insurance, medical and dental care, groceries, etc., it becomes exceedingly difficult to manage additional financial obligations. Taking on a second job to meet my student loan payments is not a feasible solution for me. Under the SAVE program, there was the chance my payments would have been more manageable. 

I am reaching out in hopes of finding a resolution to this issue. The conflicting advice I received stemming from XXXX, has significantly impacted my financial stability, and I am seeking guidance on how to rectify this situation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

XXXX
Product: Bank account or service

bank of america has responded 3 times now stating they think i have been a victim of fraud, NO XXXX!!! BANK OF AMERICA IS THE ONE COMMITTING FRAUD!!!! THEY REFUSE TO LET ME FILE AQ COMPLAINT FOR FRAUD AND THEY ARE REPORTING ON AN ALLEGED DEBT THAT THEY CAN NOT PROVE!!! ITS OVER 7 YEARS OLD TOO!!! THATS AGAINST THE LAW YOU CRIMINALS!!! DIRTY ROTTON SCOUNDRELS YOU ARE!!!! 
YOU DO NOT HAVE AND CURRENT VALID CONTRACT WITH ME YOU CAN NOT PROVE THAT DEBT IS MINE!! 
YOU ARE IN VIOLATION HAVING THIS FAKE DEBT FOR OVER 7 YEARS CRIMINALS CRIMINALS CRIMINALS!!!!!!!!!! PLEASE ANSWER MY QUESTIONS YOU ROTTON CRIMINALS, SILENCE IS ACQUESCENCE, SILENCE IS FRAUD, SILENCE IS GUILT,!!!!! WHY WONT YOU ANSWER TO ME CRIMINAL!!!!
Product: Mortgage

I sent a XXXX letter to Vanderbilt Mortgage and Finance , IncXXXX on XX/XX/XXXX. It was late to be delivered and when I inquired at the local post office, they gave me some incorrect information. It appears the letter was received XX/XX/XXXX, as expected, but USPS is delayed in the tracking. I apologize to VMF for the accusation. However, my letter addressed 15 USC 1692g ( b ) in larger font than the rest of the typed letters, to make it clear and conspicuous what I was requesting. VMF responded that my letter was referencing RESPA, which is in no way, nor has it ever been, relevant to my relationship with VMF. This is a blatant 15 UCS 1692 ( a ) violation as an abusive, deceptive, and unfair debt collection practice. I would suggest that the person who put their signature at the bottom of the letter should be ashamed of themselves for this display of ignorance.
Product: Credit reporting or other personal consumer reports

I'm unsatisfied with your assertions and am disputing them due to the absence of any substantial evidence to substantiate your position... I urge you to contest this account! Otherwise, I will pursue legal action against you ... Let 's be crystal clear here : I am a victim of identity theft, and it's a gut-wrenching situation that nobody should have to go through. But instead of finding help and support from your bureau, I've encountered indifference and disrespect. These accounts are a result of ID-Theft and I expect you to remove this immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

Your failure to validate disputed late payments on my credit report violates federal law. Despite my written dispute over 30 days ago, you have not responded or provided required documentation as mandated by the Fair Credit Reporting Act.
Product: Checking or savings account

When I was checking my emails on the morning of XX/XX/2021 I found that I had received an email from Regions Bank notifying me of overdraft fees. I immediately checked my online banking and found that my account was not in the red until they charged the overdraft fees on XXXX XXXX of {$72.00}. I called the Regions Green line when they opened and spoke with a customer service rep and supposedly a manager. They informed me my account actually went into the red on Friday XX/XX/2021 with two charges from XXXX. They acknowledged that shortly after the charges from XXXX showed as pending I did make a transfer of funds from my savings and also did a mobile deposit. According to my records from my online banking on the night of XX/XX/2021 prior to their overdraft fee I had {$10.00} available. At the time of the transactions they say overdrafted my account I had {$170.00} prior and {$140.00} after the second transaction. As the two ladies I spoke with called out transactions they were not even in the same order as they are in my online banking and the numbers were all messed up. They claimed they gave me credit for the transfers and deposit yet they still charged me two NSF fees of {$36.00} for a total of {$72.00}. I have had many times my account would show overdrawn briefly in the pending status but while still pending I would do transfer or deposit to cover and it has always been accepted and not charged as an NSF until now. Then only solution either persons I spoke with offered me was to just opt out of the overdraft protection and kept insisting that even though their records do not align with mobile banking they were still correct. They both kept telling me that as I use my card money comes out of my account as if I am a complete XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested numerous times to get these disputes removed off my credit reports, they are keeping me from getting approved for my mortgage to purchase a home. I have already submitted complaints XXXX / XXXX / XXXX. I have contacted Experian, XXXX, and XXXX to please removed these disputes from my credit reports, they have said that it was done, but it is not. Please help me to get these disputes removed from my credit report, I am past frustrated and tired of talking to these companies about getting these disputes removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to Equifax on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX I am constantly called, sometimes multiple times per day, by this debt collector. 

In XX/XX/2017 I submitted a request to the office to cease with the phone calls and only communicate with me in writing. I have only received one written notice from them. 

Furthermore, in XX/XX/2017 I submitted an offer to pay 25 % of what is due. I never received a written response from them. 

For the last several months, I have received a multitude of calls from this office. Most recently from XXXX Other numbers include are a variation of XXXX
Product: Credit card

Consistency in paying on time is my motto. I'm firm about it. Yet, I'm bewildered by the occasional tardiness in the company 's reporting, which shouldn't be the case. USC 1666b mandates that any billing errors must be rectified promptly and reflected correctly in the payment records.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have the wrong social security number for me!! I was using a service to repair my credit and they brought it to my attention. The one you have on file is incorrect.
Product: Money transfer, virtual currency, or money service

Many days ago my AIRTM account was limited, said account was already verificated, one day I wanted to withdraw my funds and they simply restricted it without giving me any reason, I have tried to communicate with them many times by support emails because it is the only form of communication that gives the platform but they don't offer me solutions, they only answer automatic messages saying that I should wait, they don't allow me to have my money and this has caused me many problems. I have many days without withdrawing my funds by any way and the company does not offer me any solution, with each passing day they harm me more, in fact the price of the currency exchange has dropped significantly and I have let them know through multiple emails that I need to have my money but it has been in vain because I have not received a timely solution.