23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. On XX/XX/XXXX the dishwasher in my house failed and released water. The house is a raised ranch built in XXXX. Most of the damage was drywall and related which affected the lower, basement level. 
2. On XX/XX/XXXX the insurance company paid out ~ {$100000.00}. In a check payable to me and lender PNC BANK. 
3. I sent the check to lender PNC BANK. 
4. I explained in great detail and included pictures to document that it would be non-economical to make repairs as the house sits on 4 acres of prime wooded land in the City of XXXX, and that the highest and best use of the site is eventual tear-down of the single structure on the house and development of multi-housing sites. 
5. The Hazard Insurance clause in the HELOC agreement states 4 Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, provided such restoration or repair Is economically feasible or if the security of this Mortgage is not thereby impaired. If such restoration or repair is not economically feasible or if the security of this Mortgage would be impaired, the insurance proceeds shall be applied to the sums secured by this Mortgage, with the excess, if any, paid to Borrower. 
6. Lender PNC BANK refuses to allow the insurance proceeds be used to pay down the HELOC balance which is {$250000.00}. 
7. This is the latest email thread from XXXX XXXX XXXX. PNC BANK intends to sit on the money for years until the mortgage is paid down to {$100000.00}. This is a breach of the HELOC paragraph 4. 
XXXX XXXX is an attorney at XXXX XXXX, and PNC BANK is XXXX XXXX client RE : XXXX XXXX PNC XX/XX/XXXX XXXX : PNC has advised that it will not apply the proceeds to the balance. You will either need to apply the proceeds to the repairs or the funds will remain in restricted escrow until the loan is paid in full. I wanted to communicate this to you in advance of the hearing tomorrow in case you wanted to proceed on our motion to dismiss. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX, XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX, XXXX XXXX Subject : RE : XXXX XXXX PNC Thanks, XXXX : I dont make the call so I have to wait for PNC to advise and I will be in touch. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX XXXX Subject : Re : XXXX XXXX PNC EXTERNAL E-MAIL - From XXXX XXXX : XXXXhats a no brainer. Comps for 4 acre wooded parcels or similar w/in the City ( not unincorporated ) See attached 2 docs On Tue, XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX wrote : XXXX : I am waiting to hear back from PNC as to whether it will apply the insurance proceeds without an appraisal or other confirmation that the security interest has not been compromised. I will be in touch. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX  Account Number XXXX
Product: Student loan

I am experiencing XXXX unresolved issues with MOHELA, my federal student loan servicer, which have caused financial and credit-related problems : Unpaid Refund : MOHELA owes me an approximate refund of {$2000.00} from an overpayment since XX/XX/year>. Despite multiple attempts to contact MOHELA via phone and email, the refund has not been issued. 

Duplicate Loan Reporting : After MOHELA transitioned to a new servicing platform in XX/XX/year>, they inaccurately reported my student loans to the credit bureaus. I have XXXX active federal student loans, but my credit report shows sixteeneight under " XXXX XXXX XXXX '' and XXXX under " MOHELA/Dept of Education. '' This duplication has negatively affected my credit score and is delaying my ability to refinance my mortgage. 

I have verified through the XXXX XXXX XXXX website that I only have XXXX loans, and the duplicate reporting appears to be an error caused by MOHELAs system migration. I have contacted MOHELA multiple times but have not received a resolution for either issue. 

I am requesting that : MOHELA promptly issues the approximate {$2000.00} refund owed to me. 
MOHELA corrects the duplicate loan entries on my credit report. 
I receive written confirmation of these resolutions. 
This matter has caused undue financial stress and harm to my credit profile, and I am seeking assistance in resolving it as quickly as possible.
Product: Mortgage

On XX/XX/XXXX my mortgage was transferred from XXXX XXXX to Shellpoint Mortgage Servicing, my payment due date is the XXXX of the month. As is required of all new mortgage servicers, a 60 day legal grace period is granted to all new clients who have had their mortgage involuntarily transferred. <P/>Per this law, my mortgage payments would not be delinquent until after XX/XX/XXXX. In violation of this law, I received harassing phone calls from Shellpoint Mortgage Servicing before the month of XXXX was over, in fact : - On XX/XX/XXXX, I received harassing calls from Shellpoint claiming my loan was in default. 
- I also received a letter from Shellpoint datedXX/XX/XXXX ( attached ), stating that my loan is delinquent. <P/><P/>I know that is a term that applies to loans that have gone approximately 4 months without a payment. Even if I had not paid by XX/XX/XXXX, I would be delinquent, not in default, default would occur around XX/XX/XXXX. <P/>Shellpoint also reported my loan as being late to the credit agency, that is also illegal, again, all my payments are due and owing on XX/XX/XXXX, the legal grace period for a transferred mortgage. <P/>Shellpoint need to follow the law and rules of transferred mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account is missing or not being reported on my credit report, from XXXX XXXX XXXX XXXX, these are good accounts XXXX XXXX account is missing or not reported on my Credit Report from XXXX XXXX XXXX XXXXXXXX, these are good accounts
Product: Mortgage

My grandma had a reversed mortgage she passed away back and 2020 OK I had a filed complaint on my violation of rights and because XXXX XXXX and I didnt say any were treating me well that was novad but now the people servicing my grandmas mortgage OK is comp link and I just filed the complaints but I forgot that I put it against XXXX and I Compulink Inc now services my grandmas reverse mortgage. They are refusing to do an appraisal for me and I had a house and my grandmas house is worth {$86000.00}. The money that Im using are the money that theyre trying to get from me is the money going to fix my house so Im not going to be homeless and its not right but they trying to make me pay XXXX and Im on fixed income and its just not right
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. the account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX  I'm am now requesting that this matter to be investigated and information to be provided to with verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

I have my XXXX  account with Kraken.

Someone tried to use my email to set up an account. I spoke with the Kraken representative who told me they would lock my account for security purposes and get back to me about making my account secure again. 
That was a month ago. 
They shut down their phone service and require logging into your account to use chat, which I can't do since I am locked out of my account. 
My many emails and complaints have been ignored. 
After sending a complaint to the sec I received an email with steps to take to secure and reopen my account. I took the required steps and responded to the email informing of that. I am still locked out of the account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation 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 Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting, unreliableresponses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

I have disputed this Target account multiple times. This company has claimed they would resolve my complaint if I returned the fraud affidavit. They have already received it and have done nothing, claiming they still do n't have it. 
This account is fradulent and harming my credit. I have incurred damages and intend to sue within 60 days if this is not removed from my report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the persistent issues and multiple unsuccessful attempts to rectify the delayed opening of my accounts with Credit Bureaus. Despite my continuous efforts to resolve this matter, the issue remains unresolved, causing significant inconvenience and concern. 

I initiated the account opening process with your institution, and unfortunately, I have encountered repeated delays. Despite my diligent compliance with all required procedures, submission of necessary documentation, and adherence to your institution 's policies, the accounts remain unopened. The prolonged delay is causing disruption to my financial plans and has created undue stress. 

I have made several attempts to address this issue by contacting your customer service department, providing additional information as requested, and patiently awaiting a resolution. Regrettably, these efforts have not yielded the desired results, and the matter persists, impacting my confidence in your institution 's ability to provide timely and efficient service. 

Enclosed, please find a detailed record of my interactions with your institution, including reference numbers and specifics of each attempt made to resolve this issue. I kindly request you to review this information comprehensively and take immediate action to expedite the opening of my accounts. 

As a prospective customer seeking to establish a relationship with your institution, the current situation falls short of the expected standard of service. While I understand that challenges may arise, the repeated delays and lack of communication are unacceptable. 

I request that you prioritize the resolution of this matter promptly and provide clear communication on the steps being taken to ensure the timely opening of my accounts. If my concerns are not addressed within the specified timeframe from the date of this letter, I may have no choice but to explore alternative banking options and escalate this matter to relevant regulatory authorities. I am asking for your assistance to correct these late open accounts in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXXXXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$7800.00}.
Product: Checking or savings account

I clicked on an ad for a new account promotion which Citi was running. If i deposited $ XXXX in the account within 60 days of opening, then kept in for 90 days i would get the {$500.00} bonus. I made a deposit of {$15000.00} on XX/XX/2019 and still have not received anything. The money has not been earning interest and Citi has not responded as to why it has been more than 5 months.
Product: Student loan

I reached out to Aidvantage in correspondence to a request I made for the refunding of all student loan payments that occurred since XX/XX/XXXX. I made the initial request via phone call on XX/XX/XXXX. Since then, I have phoned in several times times asking for any updates, or at the very least if it was approved. I haven't received any straightforward answers about this and only received the runaround instead. First I was told 4-6 weeks, then 6-8 weeks, then 10-14 weeks. There is no way to validate any of their processes either as there is no confirmation of anything. My account hasn't reflected any change at all since I first contacted them. This is unacceptable! 

Some reps say that my request was submitted same day that I called in. A few others say it was approved on that day. 
Has my request been approved? Why isn't Aidvantage reflecting an update on my account with the loan balance reinstated? I have been told a lot of conflicting information surrounding this process. With each time that I reach out, being told something entirely new or different. 

I reached out by email 3 times with no satisfactory answers XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. I also reached out via phone each week since I made the initial request and the timetable keeps being pushed back further each time. What I find most insulting, is that others who have made their refund requests after I did, have already had their balances reinstated and refunds received. There is no clear structure for this. I already explained to this company that I was facing hardship and I was originally told, because of that, that my request would be expedited, but clearly it hasn't.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX my federal student loans were transferred from XXXX to Mohela. XXXX and XXXX are showing both accounts as open. In XX/XX/XXXX, XXXX advised me to file a dispute with the credit bureaus. In XX/XX/XXXX, when the bureaus deemed the information " accurate '' leaving the issue unresolved, I called XXXX again. I was told that their records show the account transferred & closed with a XXXX balance, but Mohela would have to inform the credit bureaus. On XX/XX/XXXX, a Mohela representative assured me that the necessary paperwork has been filed to correct this situation. Two months later and only XXXX has been corrected.
Product: Credit reporting or other personal consumer reports

I sent a letter over a year ago to experian to verify these late payments. I have not received any response or update on this account. Please investigate and verify this account as soon as possible. 

I HAVE NEVER BEEN LATE ON THIS ACCOUNT. 

I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late on this account to support your inaccurate reporting on my account. If you can not supply this, please DELETE these alleged late payments from my credit report per 15 USC 1681b.
Product: Credit card

I am currently being charged three different interest rates on the same account for purchases every year 2022 the interest goes up, and adds a different interest rate. Almost making the minimum payment unaffordable. The interest rate went from 29.49 % to 30.99 % to its current rate of 33.49 %.
Product: Vehicle loan or lease

Bridgecrest violated consumer financial protection laws including engaging in unfair practices, deception, and abusive acts. Bridgecrest has violated federal regulations in relation to the aforementioned loan, which warrants the termination of our contract. Bridgecrest REQUIRED a down payment in order to extend credit which is illegal according to 15 USC 1662- illegally mixing credit and cash in a consumer credit transaction. Bridgecrest did not offer insurance and only required I provide insurance before the delivery of the vehicle that was purchase. Insurance is suppose to be included in the finance charge as the sum of all charges according to 15 USC 1605 Determination of Finance Charge. These violations not only constitute a breach of trust but also compromise the legality and ethical principles on which our agreement was predicated. Car loan labeled as a Retail installment contract and security agreement which is a credit application. Violations : 15 USC 1692e misleading representations. 15 USC 1692j - false & deceptive. 15 USC 45 - unfair Methods of competition. 15 USC 1602 - multiple violations. I have no obligation to a breach of contract due to The Truth and Lending Act. Bridgecrest willfully violated provisions of Truth and lending Act. Bridgecrest is responsible for civil liability, punitive damages, payments made up to date, return of down payment, the finance charge, and {$1000.00} for each violation.
Product: Checking or savings account

I have opened a Business Checking account with Bank ( Investor 's Bank ) of XXXX XXXX NJ about a year and a half ago. I chose this bank because the business account carried no monthly fee. 

In XXXX of 2019 I was called by the bank representative and told that they are changing account terms and that starting XXXX my account will be charged monthly. I advised the representative that I do not authorize a charge and to close my account immediately. I was out of state and unable to physically come to the branch. At the time the account only had XXXX cents in it. The representative said I need to come to the bank to pick up the balance. At the end of XXXX I was in a major car accident and was also moving and unable to come to the bank. 

In XXXX I checked back on the online banking service and did not see my account was unable to view anything or have any access so I assumed my account was closed. 

In XXXX I have received a letter that my account has a negative balance of XXXX. I was very confused by this and attempted to call the bank but it was after hours. On Monday XXXX, XXXX I physically visited the XXXX XXXX branch and explained the situation. The representative called the XXXX XXXX Location and said that they can not waive the charge and that XXXX XXXX is unwilling to waive the charge and will not close my account until the balance is paid. 

I told the representative that when I signed for the account it was a free service. I have never received any paperwork stating there will now be a charge and I never signed anything authorizing a charge. The company can not illegally charge fees that were not previously agreed upon and steal money from their customers. I was told there is nothing they can do for me.
Product: Vehicle loan or lease

XX/XX/2022, I received from CAPITAL ONE AUTO FINANCING sent a Notice to Default and Cure. XX/XX/2022, I respond with a Notice to Dispute citing violations and ask for debt to be validated. CAPITAL ONE AUTO FINANCE sent a letter not responding to what the dispute was addressing. I replied with a Cease and Desist. CAPITAL ONE AUTO FINANCE continued to Report late payments. CAPITAL ONE AUTO FINANCE repeatedly sent Notice of Default or Right to Cure. Stating I request benefits under the service member Civil Relief Act, being deceptive, stalling and not addressing the violations. I then sent a Notice to Rescind and Cure with an Invoice attach. They sent a copy of agreement. never replying or addressing what was sent. checked my consumer report CAPITAL ONE AUTO FINANCE removed the value and it out of owed status XXXX XXXX placing it in closed accounts with derogatory statements. I called CAPITAL ONE AUTO FINANCE inquiring about the Car Title. Representative XXXX told me I still owe on the car. Neither have they acknowledge my Invoice. I never gave CAPITAL ONE AUTO FINANCE written permission to furnish information on my consumer report.
Product: Credit reporting

they have a address that i have never been to or live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I did live in XXXX but not here please help
Product: Credit card or prepaid card

This is my second CFPB complaint to Capital One, I filed a previous complaint last month which I have not got any response still. When I contacted Capital One they stated that I need to verify my Social Security Number and send me a SSN form to fill out which I returned to them, they also asked I send in a copy of my driver 's license and SSN card which I did last week. Now there asking for bank statement, which am not comfortable sending my private information in my bank statement. I had this account for years and now Capital One put a restriction on the account and asking for all this without letting me know why there requesting this information.
Product: Credit reporting or other personal consumer reports

I recently came across the CFPB Equifax lawsuit regarding Equifaxs failure to properly investigate dispute request and upon reviewing my credit report I noticed a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) regarding the payment history associated with XXXX  ( Account No. XXXX ). It is my understanding that information regarding transactions and or experiences are to be excluded from consumer reports. 

Moreover, Per 15 U.S. Code 1681e ( b ) this account does not adhere to the maximum possible accuracy of the information concerning the individual about whom the report relates as it is inconsistent and inaccurate across XXXX, XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and that fraudulent accounts have been opened in my name without my consent. As a result, I am requesting that all of the following accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$260.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$160.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$140.00} XXXX  - XXXX - XX/XX/XXXX - {$140.00} XXXX AUTO XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$240.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00}
Product: Consumer Loan

I have been receiving relentless phone calls from a company that call themselves " the law firm '' upon a search of their telephone number I have found that their true name is oxford law firm and they are a debt collecting company. They have threatened to show up at my home and job and have now began calling and harassing my family members daily. When asked to provide a written legal document regarding the supposed debt I am told an email will be sent ( although I am requesting mail ) but one have never been received. I am told in first call that I have 30 days and following calls that I must pay full balance of supposed debt immediately or my file will be signed off on by the office attorney.