23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a veteran applying for a VA mortgage. VA mortgages allows for multifamily units, up to XXXX. I found a great XXXX plex home. My wife and I are going to live in XXXX unit. My daughter is going to live in XXXX unit paying me rent and we will continue to rent XXXX units to tenants who already live there. 

I have XXXX insurance as do many veterans. XXXX has written me a policy for XXXX XXXX dollars to cover the new property starting tomorrow, the day we are supposed to close on the rental. 

The insurance policy is XXXX pages long and is comprehensive. Because the property is XXXX units with owner occupancy in part and paying tenants in part, Washington State law calls this a " Rental Property Policy. '' Navy Federal Credit Union told me on Friday before the Monday closing, that they would not accept my XXXX insurance because, following Washington State law, it is called a " rental property policy. '' They acknowledge that it covers everything that a homeowners policy covers and more, but because of the name on the first of the XXXX pages, they are denying me VA mortgage at my locked in mortgage rate. Navy Federal Credit Union has offered to give me a different mortgage with higher rate and higher fees in what seems like a bait and switch. 

I have confirmed with XXXX that they are following Washington State law with the policy. I have tried three other insurance companies, XXXX, XXXX XXXX, and XXXX XXXX that they would write me the same kind of policy as XXXX. 

I have requested Navy Federal Credit Union to tell me the name of even one insurance company that offers a policy in Washington State that would satisfy them for me to get my VA mortgage with my locked in rate. They have yet to identify one. 

Because Navy Federal Credit Union is refusing to accept insurance in accordance to Washington State law, they are trying to compel me to get a higher cost insurance policy without my VA benefits. 

I started a new application with a new VA mortgage vender who is happy with my excellent XXXX insurance, but because of mandatory VA waiting periods the new mortgage will take a minimum of 15 days. If I can not get the seller to agree to a 15 day extension, I am at risk to lose {$100000.00} in XXXX money held in escrow for the closing that is supposed to happen tomorrow. 

If Navy Federal Credit Union won't accept Washington State insurance for a multifamily unit with VA XXXX, they should not be allowed to advertise in Washington State that they provide multifamily VA financing and they should not be allowed to take fees from veterans, such as myself, for a mortgage they won't provide. 

I am attaching the insurance policy that is unacceptable to Navy Federal Credit Union.
Product: Debt collection

I am writing to formally dispute an item listed on my credit report. Specifically, I am contesting the validity and accuracy of a debt associated with the following details : Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Account Info Account Name XXXX XXXX  Account Number XXXX Account Type Line of Credit Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$4100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$4100.00} Balance Updated XX/XX/XXXX Recent Payment- Monthly Payment- Credit Limit {$3200.00} Highest Balance {$4400.00} Terms- On Record Until XX/XX/XXXX Under 12 C.F.R. 1006.34, which implements provisions under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide validation of a debt when a consumer disputes the debt. This regulation mandates that debt collectors validate the information reported, including providing proper documentation to substantiate the existence and amount of the debt.

As I have disputed this debt, I request that Experian investigate this item for accuracy. If the reporting party ( the creditor or collection agency ) is unable to provide verification or validation of this debt, I ask that this entry be removed from my credit report in accordance with 12 C.F.R. 1006.34.

Additionally, I request that Experian provide me with the results of your investigation within the 30-day period required by law, along with a copy of any documents provided by the creditor or collection agency that substantiate the validity of this debt. 
Please note that under the Fair Credit Reporting Act ( FCRA ), inaccurate, incomplete, or unverifiable information must be corrected or removed. If Experian is unable to verify this debt, I request that you delete this item from my credit report. 
Thank you for your attention to this matter. I look forward to your response and a resolution of this dispute. Should you require any additional information from my end, please do not hesitate to contact me.
Product: Debt collection

XXXX XXXX XXXX XXXX keeps on calling my cell phone number countless times in a single day. They call me from a local phone number with a different number every time and from a XXXX aswell. I told them that I revoke consent on calling me, but they still call. Ive been having this issue since I first opened an account with them fell behind one payment on furniture and the calls kept on coming. I am very unsatisfied with this company and really regret doing business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing seeking your help about my dispute letters sent to all three bureaus on XX/XX/2020 regarding the inaccurate things on my credit report. As of today I have not heard anything about their investigation. I have been working on the front line battling Covid-19 for over a year now and you can't imagine how much stress I have been under with dealing with death after death of patients under my care. Being helpless and doing as much as I can and not being able to save them is the worst feeling. As soon as I was able to breath again I decided to pull my credit report and to my dismay I find all these inaccuracies.
Product: Credit card or prepaid card

Several unauthorized charges were made on my Visa account with the Bank of America in XXXX. I noticed three of them when reviewing my statement. Also I was notified by email from B of A of a questionable charge in XXXX which the bank had declined. I phoned the bank at the XXXX number on the card, still in my possession, not lost or stolen. The B of A person at my request closed down the account. A new card with a new number will be issued and the account will be reactivated in about six business days, I was told. The total known loss at this time is about {$130.00}. B of A is giving me a temporary credit of {$130.00} while they do their processing. I believe my account has been active for over ten years. I do not know how the account was compromised. I have never given the card to any other person to use. I have only one recurrent charge on the account, a subscription with a business named XXXX 's XXXX for aviation publications which are reissued periodically. 

On XX/XX/XXXX I filed a police report with the XXXX XXXX CA police department at the request of the B of A representative describing these events. 
Submitted TO CFPB on May 212, 2021 by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Student loan

I submitted a XXXX XXXX XXXX XXXX ( XXXX ) form on XXXX XXXX, XXXX, the form stipulated it expires XXXX XXXX, XXXX. I received a letter XXXX XXXX, XXXX stating my form was rejected due to a new form that was created after therefore rejecting my form with Expiration date XXXX XXXX, XXXX. Terms and condition have changed in the new form. They are just prolonging services that I applied for.
Product: Debt collection

I have had problems of utility bills, inquiries on my credit report, data breaches, and unknown account placed on my report. I recently pull my report to find to unknown accounts in my name. I was denied a car loan and funding for a mortgage loan. I have called, and they said this debt belongs to me. I don't have a written contract or written permission from me to run my credit or a legal signed valid contract with me.
Product: Money transfer, virtual currency, or money service

I received a call from a wells fargo number. This person told me that he is from a wells fargo XXXXaud investigation unit. He asked me to check his phone number to verify he is from wells fargo. I did using my phone and next thing i know a cash advance from my visa credit card for XXXX to my checking account followed by a wire transfer ( XX/XX/year> ) out of my checking account for XXXX was made to an account owned by XXXX XXXX. The following day ( XX/XX/year> ) Wells fargo failed to protect my sensitive information and closed my case due to it being an online transaction! I am out of XXXX! My wells fargo case # XXXX XXXX XXXX. Please help me, XXXX XXXX and on fixed income.
Product: Student loan

XXXX XXXX XXXX XXXX is falsely reporting that I am an enrolled student. I am not. Mohela says half of my loans are in in school deferment. I called and asked about this issue and informed them I briefly enrolled at the XXXX in XX/XX/XXXX but immediately withdrew. For some reason the university is updating my status monthly as enrolled. I am unable to get in touch with anyone at XXXX to resolve the issue. Second, in XXXX I requested that my student loans be in repayment status while I was in XXXX XXXX. My loan servicer is reporting that my loans were in deferment for 6 months of XXXX. Mohela told me that I could get this corrected via FSAs site. There is no such form for correction on FSAs site. Mohela also said that FSA is reporting my enrollment at a university- I looked in FSAs site under your enrollment and the XXXX  is not reporting as a school Ive attended- BUT they still show that half of my loans are in deferment status. This all matters because I have been a public educator in the PSLF program for 15 years. I should be eligible for forgiveness NOW but am not due to these issues and inaccurate payment counts as a result.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the presence of several accounts listed on my credit report, as these accounts are not mine and were added without my authorization. As a victim of XXXX XXXX I have been subject to identity theft and fraud. The inclusion of these accounts on my credit report has caused significant harm, both personally and financially.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following provisions : 15 U.S.C. 1681 Section 602 ( a ) : I have the right to privacy regarding my personal financial information. 
15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agencies are prohibited from furnishing information about me without my explicit written instructions. 
The following accounts are erroneous and must be removed from my credit report immediately : 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 These accounts were not opened, authorized, or managed by me. Please take immediate action to remove these accounts from my credit report and ensure they are not reflected in future reports. 

I have attached all necessary documentation, including a copy of my credit report, government-issued ID, and any supporting evidence demonstrating my claims. 

Thank you for addressing this urgent matter promptly. I request written confirmation once these errors have been resolved. 

Sincerely,
Product: Credit reporting or other personal consumer reports

The issue Im having is that someone used my social security number to obtain an apartment. The first name of the person is her name and the last name is my name. She used my social security number and birthday. I asked the rental property to give me more information on said person. They declined for privacy reasons. I already file fraud with the credit bureau. I want her name and address off my credit report as soon as possible. I also have accounts that are not mine on my credit report. I have several accounts from XXXX that are not mine. I also had my name ran several times to obtain credit that I did not do as well.
Product: Student loan

I cosigned XXXX student loans at SallieMae for my son. For the last XXXX years I have made the {$25.00} required minimum payment. Over time as the number of loans grew, so did the payment. I currently send XXXX check for all XXXX loans in the amount of {$100.00}. Suddenly last month they credited the full payment to just XXXX loan and then put the other XXXX loans into a late payment status with extra fees. This happened XXXX other time and they gladly reversed it for me. This time however they tell me it 's just too bad. That I will have to make the late payments and fees on the other loans to get caught up. She said even though it 's their rule I make {$25.00} each they ca n't be expected to know how to credit my account correctly unless I send in XXXX separate payments or detailed instructions on how I want the payment to be credited to each loan. Seriously, it 's simple math XXXX loans x {$25.00} = {$100.00}. Seriously? I should not have to send XXXX checks, nor should I have to write detailed instructions.
Product: Credit reporting or other personal consumer reports

My social security number is XXXX on my equifax Credit report theirs is XXXX negative item that's 60 days late the account is a negative item that's fraud I filed a federal trade commission identity theft report on file these items should be removed right away
Product: Credit card or prepaid card

This is a XXXX XXXX card, and we redeemed on line for XXXX earned points for 3 {$100.00} XXXX e-gift cards, with the codes supposed to be delivered within 3 days by email. This was a Saturday XXXX/XXXX/XXXX and when the codes did n't come within a day - which they have before- we called XXXX customer service and rewards # s on the website. There was no option to email. We were told it could take through til a business day, which would have been XXXX, for the e-codes to be redeemed. We waited until Wed XXXX/XXXX/XXXX, about XXXX CST, to call again at the number listed and were told that rewards is closed, on a week night, and no one can help us - no supervisor available and that XXXX customer service can do nothing. The rep on the phone also said she was the only supervisor for XXXX that I could speak to, and that there is no one else. 
My complaint is this -- poor customer service that in redeeming rewards, there is no one to speak to during the business week, outside of normal business hours. XXXX CST is ony XXXX PST and even earlier elsewhere in the world. How can customers have no one to speak to, when more than {$300.00} in rewards is outstanding and no one provided any service. 
We plan to close this card as soon as all the rewards issues are resolved and all redeemed. XXXX is supposed to be a premium card- they should always, always have rewards redemption help available and an escalation process to submit an issue. Not acceptable for a fee based card.
Product: Mortgage

My mortgage with XXXX XXXX was sold to SunTrust in XXXX. We received a letter from XXXX  in early XXXX that we should get a letter from Suntrust at least two weeks prior to our next payment on XX/XX/XXXX. We called suntrust the last week in XXXX to get our account information so we could make the XXXX payment. We were told we would get the account transfer letter by XX/XX/XXXX. We have not received the letter but today ( XX/XX/XXXX ) we got an email from Suntrust stating our payment is overdue and we will be charged a late fee if not paid by XX/XX/XXXX. I am currently on hold with SunTrust ( approximately an hour and a half ) with no response and no way to resolve the payment issue until we get an account number for the new mortgage..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a dispute statement against a credit card company. This is a personal statement that Equifax has completed. I do not see it listed on my report. I would like proof that this is completed. I do have my report that it is done but that is all. It is not reflected on myEquifax.
Product: Credit card

Bank of America offered me a promotional rate and never provided the date the promotional rate expired. I asked to have the interest fees refunded and the bank refused. I complained to the Better Business Bureau to no avail.
Product: Credit card

We were surprised to find that Yard Card added a {$120.00} promotional fee to a XXXX-month no interest plan. We were n't informed of this addition nor is our purchase now " interest free. ''
Product: Checking or savings account

Hello. This is XXXX XXXX. I am a student attending XXXX XXXX. I like to file a complaint about the Capital One Bank. Recently, I have recently gotten COVID funds from the college, but those funds were reversed back to the college. The following day I have received an email stating that my account was restricted, and I could not make any withdrawals. Earlier this morning, I have called the bank 's customer service, and the representative told me that the funds were classified as scams. I didn't believe that because I have actual evidence that I have received those funds from the college. The representative also said that the available funds that I have in the account have to be withdrawn by going to an ATM, and that I can't bank with them anymore. Furthermore, these funds were supposed to benefit me and my family through this time of COVID. I am a XXXX XXXX XXXX  active perusing to better myself. The particular establishment is causing a financial injury. If you would like, you can contact me at your earliest convenience at ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. I Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : several incorrect addresses and names
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the EquiFax hack. There has been no recourse offered beyond standard shallow free monitoring services.
Product: Credit reporting or other personal consumer reports

I purchased a copy of my credit report last year in XXXX of XXXX  where i noticed some fraudelent accounts that I did not apply for .. i have attempted to reach out to XXXX, XXXX, and XXXX with mutiple dispute letters and each time they have failed to properly investigate and have not provided me with any of the proof i have requested and continue to report these accounts as verified with out properly investigating I have also filed a police report
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX ( transunion, XXXX ) report wrong address and other information to the bureaus
Product: Checking or savings account

This is my XXXX time contacting the CFPB about Wells Fargo transactions that I need to be reimbursed for. The previous complaint case numbers are XXXX and XXXX so please reference these regarding disputed transactions. Long story short they have made it clear I obviously made the transactions. Why I'm making further complaints on this matter is because I have never received any goods or services provided to me for any of the transactions in question. Meaning I " paid for '' tons of items in exchange for nothing. It is to my knowledge that Wells Fargo also has in place a no liability policy. I've reached out several times to XXXX XXXX escalations representative and have yet to be contacted back regarding this matter. {$3400.00} out of my account with no merchandise service platform provided has had drastic Repercussions in my life. The only fair and just thing would be to reimburse me the money that was spent and nothing was received. I am now taking this matter even further to the fdic and my states attorney General.
Product: Student loan

On XXXX/XXXX/XXXX, I completed a request for a deferment online, and submitted my paperwork that was not processed. I assumed it was as I never heard back from them. I have another student loan through XXXX that I completed and was approved for one year. Wednesday XXXX/XXXX/XXXX, I submitted an application to consolidate my with XXXX XXXX XXXX to XXXX. Friday, XXXX XXXX updated my credit score and reported me as being 90+ days late. I feel that my application was overlooked ( thankfully I saved it ) and that reporting my loan as being in default and I 've NEVER received a phone call from these people was done out of spite for consolidating and closing my account with them. My credit score dropped 56 points. I have worked HARD to maintain a good credit score and now this. After receiving alerts that my credig score dropped significantly, I did submit ANOTHER request for a deferment. Hopefully, this one goes through and they can back date it and correct/update my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems Inc, has filed ( 2 ) unverified and inaccurate collections on my credit report. NCS DOES NOT have the LEGAL authority to collect on any debt in my name or social security number. They are not following the CFPB statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which was opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 

EQUIFAX INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX AN # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX COLLECTION : XXXX ( Original XXXX : XXXX XXXX TEXAS XXXX XXXX XXXX Balance {$5400.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX