23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My husband I purchased a used RV from a private party on XX/XX/22 for {$39000.00}. The private party had an outstanding loan with Bank of the West for approximately {$31000.00}. The seller and us met at the local branch of Bank of the West and we paid off the loan for the seller as well the gave the seller the difference owed to purchase the RV. The Bank sent a letter to their loan office at that time saying it was paid off and to release the title to us. On approximately XX/XX/22 we received a letter from Bank of the West stating they had received payment in full and since the bank is a paperless title user, we would receive the clear title directly from the DMV. I have made numerous phone call to customer service at Bank of the West as well as visited the DMV and AAA to complete the registration. As of Monday, the DMV states the Bank of the West still has the title and is still the lienholder. 
( please see attached documentation ). I have been told that Bank of the West has requested a paper copy of the title from XXXX, and once they receive it, it will be sent to me. Something seems wrong for a this to take two months before I can register a vehicle. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pulling my credit to looking into buying a home this year and I seen that there was quite a few unauthorized accounts on my Trans Union,  XXXX, XXXX reports. I have not access my credit file since XXXX or XXXX and it seem as if someone use my personal information to access utilities and cable bills. I do not recognize these accounts that are listed on my credit file XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ... I no longer live at the follow addresses I have been the victim of ID Theft so please remove the following address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Student loan

I currently have {$170000.00} in student loan debt being serviced by Mohela. I work in a non-profit setting, and thus I am in the Public Service Loan Forgiveness ( PSLF ) program. I have applied for discharge / forgiveness because I am over the required 120 qualifying payments while working for a public service / non-profit employer. Mohela has my account currently in a " general forbearance '' which means no payments are due at this time each month, but the months do not qualify for PSLF forgiveness.

However, I believe I should be in a " processing forebearance '', which the Office of Federal Student Aid ( FSA ) states does qualify each month as a qualified month towards gaining forgiveness to 120 qualifying months.

I was in the Income Driven Repayment ( IDR ) plan under the SAVE program, but on XX/XX/XXXX I submitted an application to switch my repayment plan to the Income Contingent Repayment ( ICR ) plan. To this day, my application still says it is being reviewed by Mohela and I am thus still on the SAVE repayment plan.

I received an email from FSA on XX/XX/XXXX updating me on SAVE. This is where I learned that my account should really be in a processing forbearance ( see email attachment ).

Per FSA guidelines, if the loan servicer ( Mohela ) has not processed a repayment application within 60 days, you are supposed to be placed in a " Processing Forbearance ''.

Per FSA : If servicers need time to process a borrowers IDR application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for PSLF and IDR forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward PSLF or IDR until their application is processed. Interest will not accrue in this general forbearance. 

Thus, since I applied on XX/XX/XXXX, and my application is still not processed, my account should have been placed in a Processing Forbearance on XX/XX/XXXX. From this time forward, my months should be counted towards my PSLF forgiveness, which at this point puts me over 120 qualifying months, and my entire balance should be discharged per PSLF guidelines. 

I spoke to Mohela and requested this change to be made to my forbearance, but they said they could not do this. I explained the FSA guidelines and they still refused to process my request.
Product: Debt collection

I was alerted by repeated harassing phone calls that I had a balance at XXXX for medical debt IN TOTAL OF {$560.00} for XXXX XXXX  ( XXXX XXXX ) when I had already paid off any outstanding debt directly to XXXX XXXX. I contacted XXXX XXXX multiple times on the phone and even emailed receipts of my payment to them, they refuse to acknowledge my payment receipts instead repeatedly emailing me how I was charged. The Merchant collector does not acknowledge that these amounts were already paid either, even though I have receipts and the money was withdrawn from my accounts. 

Here is one of my emails to XXXX XXXX I called the Merchant and they said I had {$560.00} owed to you, which I don't understand as seeing you have only billed me ( incorrectly ) for {$180.00} and in my payment history I have indeed already paid this exact amount in XX/XX/XXXX -- - this needs to be removed from my credit report as I only owe {$180.00} as of today and it seems your company has not updated the debt collector. In addition, it seems I have also been incorrectly charged for {$180.00} TWICE on XX/XX/XXXX. I have attached the paid bills receipt. The double charge is what apparently I " owe '' and I am out of medication due to an error on your end it appears. This needs to be resolved immediately. Furthermore, I have already paid a seperate fee for any no show appointments that was {$560.00} in total. ''
Product: Mortgage

XXXX received " Notice of cancellation '' form my homeowner insurance company. The semi-annual premium for my policy had not been paid and was now considered past due. The demand stated that I have until XXXX to pay the premium or the policy will be canceled. The amount of the premium is {$1600.00} XXXX XXXX made several attempts to contact OnQ Financial for being past due paying homeowners insurance. Several attempts to contact the company end in voice mail XXXX and you can't escape. The last on on hold was over an hour and achieved nothing. 

XXXX made contact with OnQ after over an hour in voice mail. Agent stated that this was an issue with the " Settlement Agent '' and I would need to contact them regarding issue. I reminded her that I made payment to OnQ Financial and she refused any assistance. She would only give the name and phone of the " Settlement Agent '', XXXX, XXXX. 

XXXX Called XXXX, immediately got transferred to another voice mail box for the " Dispersant and Resolutions team ''. Direct Line : XXXX xt XXXX. 

XXXX XXXX Called the " Dispersant and Resolutions team ''. Straight to VM. Could not get a human on the phone. All numbers lead to VM ONLY! Left another message on the VM for a potential return call.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I never gave Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.

You also do not have any permissible purpose to furnish my personal information to any third party.

THIS IS IDENITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUSCTION TO REPORT THIS ACCOUNT LIST BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECIEVED MY INFORAMTION FROM A SECONDARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENITY THEFT AND I DEMAND THIS ENITRE ACCOUNT BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATA BASE. IM EXCERCISING MY RIGHTS.

As a consumer, I am demanding a deletion of the following account : 1. Please validate this account TENNESSEE DEPT OF H Please delete this from my consumer report.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 



PLEASE SEND ME AN UPDATED REPORT SHOWING THIS ACCOUNT BEING DELETED FROM YOUR DATA SYSTEM IMEDIATELY
Product: Mortgage

To : XXXX XXXX ( The House Appraiser ) & AmeriSave Corp ( lender ) RE : House Appraisal Reconsideration Pursuant to HUD, U.S Department of Housing and Urban Development Fair Housing Equal Opportunity ACT, Federal Trade Commission, it is unlawful to discriminate a house appraisal based on race, XXXX, religion, national origin, XXXX, familial status, and XXXX. 

Upon having an independent licensed Appraiser for the property on XXXX XXXX XXXX, XXXX CT XXXX on XX/XX/2022, the value of the property in question was found to be between $ XXXX - $ XXXX. Therefore the current market value for this property is $ XXXX and not $ XXXX. Legally speaking the difference between the two appraisals performed within 3 days apart is extremely enormous and is worthwhile to be reconsidered. Please reconsider. 

I sincerely ask that we resolve this issue amicably and in the most civilized form comfortable to both parties. This appeal for House appraisal reconsideration is only good until XX/XX/2022. If no action is taken or if there is no consensus ad idem ( meeting of the mind ), l will therefore assume that legal proceedings will be our only remedy. Please note : This is NOT a threat to anyone but only communicating my concern regarding my house appraisal dated XX/XX/2022. 

Thank you for your consideration in this endeavor. May God bless America.

Yours sincerely, ( Borrower )
Product: Student loan

my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX - Late closed XXXX XXXX XXXX - Charge-off
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft and am disputing several accounts and inquiries on my credit report that I did not authorize. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete all fraudulent accounts and inquiries listed below. 
Fraudulent Accounts : XXXX. XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$970.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$00.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$860.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$420.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$00.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$790.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Amount : {$00.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$2900.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$00.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$520.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$00.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$620.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$790.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$520.00} XXXX. XXXX  XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$730.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$180.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$420.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$430.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$6100.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$10000.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Amount : {$200.00} XXXX. XXXX  XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Amount : {$370.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$620.00} XXXX. XXXX XXXX  Account ID : XXXX Opened : XX/XX/XXXX Amount : {$54.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$00.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$430.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$1000.00} Fraudulent Inquiries : 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 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 XXXXXX/XX/XXXX
Product: Credit card

3 charges showed up on my Bank of America credit card from a company called XXXX on XX/XX/XXXX and XXXX XXXX. To be clear, i never ordered any items from this company. I disputed the items with my cc company before the 60 days had passed and they initially gave me a credit on my account. B of America sent me a letter stating that I had received the items sent by the company and the credit was removed. I called them and requested documentation as to what and when the items were shipped. After receiving the documentation I researched the tracking numbers to find a company that used the numbers provided. I searched XXXX, XXXX, XXXX  and XXXX and wasn't able to find on tracking number that provided a match for the items that the company said were shipped. The information provided to bofa said that the items were shipped from TX to Florida and arrived on the same day. I went to the company 's website, which has since been removed, and emailed them multiple times, no response was given. I have a XXXX  camera that doesn't show any footage of packages being delivered on those days. I disputed the items a total of 3 times with the cc company and they won't let me dispute it anymore. They also charged me late fees for not paying the charges. I finally broke down and paid the bogus charges because my credit score went from XXXX to XXXX. Please help me.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a outstanding balance with American Express gold card which was paid in full and had a agreement with their internal collection department for pay to delete. After the payment of {$1400.00} I havent received any letters from American Express about the agreement and the company have baked out from deleting the negative account from my credit reports.
Product: Prepaid card

XXXX Visa gift cards issued by US Bank were purchased at the same time XX/XX/XXXX and location, the XXXX store, XXXX for {$500.00} and XXXX and XXXX for {$200.00} I have the receipt for the purchase. The {$500.00} card was lost so I called the number given to report the loss ( XXXX ) only to be told to send the information along with a receipt via fax to # XXXX this was on XX/XX/XXXX as of XX/XX/XXXX I got no response from anyone so again a call was made and was given the same instructions then again on XX/XX/XXXX at which time I asked for a supervisor only to be transferred to what they call an expediter only to be given the same instructions. On XX/XX/XXXX I called and again told same thing. This has dragged out now for some time and no one will say anything other than you have to fax the info to the number given and nothing else can be done until I hear from them, only I have never been contacted from anyone. I do n't believe at this point that they have any intention of doing so and wonder how many others they just ignore and hope they give up trying only to keep the money for them selves I feel they are scamming people out of a lot of money.
Product: Credit reporting or other personal consumer reports

I received an email that I had a hard pull from XXXX XXXX XXXX  ' to my credit score on XX/XX/. XX/XX/, I started to received emails to an email that is not associated with my established credit card with XXXX. That I had been " approved '' for a XXXX XXXX XXXX XXXX XXXX to expect my card in the mail " 5 to 7 business days ''. I immediately called XXXX 's fraud department. The representative stated that it was only an application that had yet to be approved. I corrected her based off of the email I was sent. She verified the legitimacy of the receiving email address but denied the " approval ''. I requested all further application requests documentation to prevent this happening again. Representative stated she would put in a written request in my notes. The representative stated that she hauled the application and suggested I call XXXX XXXX checking and savings fraud department as well. She stated there were two different frauds progressing. I called TransUnion to put an alert on my credit score then called XXXX checking/savings fraud department . After three different representatives stated I did not have an inquire related to my social and the others stating they would transfer me to someone who could help but did not. I finally reached a representative who stated the application for a XXXX total checking account had already been denied. There was now another notification, I had a hard pull from XXXX XXXX XXXX  ' on my credit score as of XX/XX/. Representative stated to find further accounts my social security number would have to be in, " the account holders '', my legal name even though emails stated another name which was provided. She then stated she would send an identify theft package in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today on XX/XX/XXXX I called the Credit Agency Commonwealth Finance because last night I seen on my credit report it said I owed XXXX XXXX money for XXXX. When I called the representative said he did not have the number to the company that is trying to collect this money and was rude. There are a lot of XXXX XXXX in XXXX VA. He told me the charge was from XXXX but on my report it looks like I was seen XX/XX/XXXX. Ive never received a bill from this company and never had time to even pay on it if I owed. There are no bills that have been sent to me for this amount from that company. I should have the right to know what I owe and a right to know from who. I disputed this claim and in XXXX day it came back the same.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Citibank XXXX. - # XXXX violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Citibank XXXX. XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to Privacy. And according to XXXX XXXX XXXX ( b ) they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX ( a ) ( XXXX ) section states : no consumer reporting agency XXXX make any consumer report containing any of information. Any other Adverse item of information other the records of convictions, of crimes which antedates the report by more than XXXX years. 
XXXX XXXX XXXX ( A ) XXXX. A person shall not furnish any information relating to a consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate or incomplete. 

UPON the receipt of documents herein and of this notice. You are hereby notified Pursuant UCC XXXX - XXXX. Your prompt attention and response are both requested and required. Citibank XXXX XXXX. # XXXX Signature XXXX : XXXX
Product: Credit card or prepaid card

I have a Sears Citibank Credit Card, and I made a purchase on a Promotional balance putting over {$2000.00} on my credit card in XXXX ; however, I requested a refund back on my credit card for the entire purchase from the merchant in the same month the purchase was made. The merchant refunded all of the money back to my credit card. I called Sears Credit Card and spoke with a man and he told me since the purchase was refunded, I should not incur interest charged because I was refunded the credit. He also stated that the promotional balance was only for purchases made, and mine was refunded. Now, in XX/XX/XXXX, I am unlawfully being charged " INTEREST CHARGE ON PURCHASES {$800.00} '' for purchase that was returned and refunded back to me.