23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My company was hired to facilitate a short sale transaction on behalf of the client after the previous company hired was unable to do so.  On XX/XX/XXXX, I faxed in the Bank of America (BOA) Authorization Form to four different fax numbers within BOA to ensure that it was placed on the file.  On XX/XX/XXXX, I was told that the Authorization was on file but they still needed to Authorize me through the system and to call back the following week.  Wanting to give ample time for the authorization to be placed on file, I called in on XX/XX/XXXX.  I had received word that the client had been receiving calls from BOA and they expected answers.  When I called into the short sale department, a gentleman told me that I needed to speak with Customer Service about the Authorization.  After the transfer, the lady at Customer Service was able to locate my Authorization and said that I needed to inform short sale to "read the customer service notes about [my] authorization."  I was transferred again to short sale and spoke with XXXX XXXX.  XXXX. XXXX refused to look into the notes and repeatedly told me that he was not able to speak with me as I was "not authorized."  I explained to him what happened and that customer service gave specific directions on how to bypass this issue.  He again refused.  When I asked to speak with a supervisor, he put me on hold only to come back and say that the supervisor refused to speak with me as well since I am, once again, "not authorized."  I demanded to speak with any supervisor in any department and he once again refused to allow me to do so.  When I asked to be transferred to customer service again, he instead stayed on the line with the rep from customer service.  She finally agreed to search for my authorization, even though there are notes about it, and confirmed with him that we have a short sale authorization on file for my company.  She told me that the only thing she can do is send me to short sale.  XXXX said that he is short sale and he will not speak with me and neither will a supervisor.  Even though, he had confirmation that my authorization was on file, he still refused to speak with me or let a supervisor know that my authorization is on file so that they could speak with me.I let him know that we have an offer on the property, the property is in foreclosure, we have an elderly client, and that I am trying to help BOA recover some of their losses by working on the short sale with them.  He refused to listen or care and simply told me that he cannot speak with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my consumer credit file from XXXX, XXXX and Equifax and notice these late payments with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am requesting all late payments be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on me in the first place. The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was asked by myself and XXXX card to remove XXXX hard inquiries off my credit report. I sent the letters I recieved from XXXX verifying this request. There are two letters from XXXX. From this date X/X/17 they have not been removed. We started this process in XXXX of 2017. I am demanding the removal of these items on the forms attached.
Product: Student loan

I updated my bank account information for auto-debit payments with Mohela in XX/XX/XXXX via the Mohela website, changing the account from which my payment would be withdrawn. I received two messages from Mohela in XX/XX/XXXX and XX/XX/XXXX with subject lines " Auto-Debit Withdrawal Confirmation '' which made it sound like my payments were processing as usual, but Mohela later informed me that it actually takes 1-2 billing cycles to update auto-debit information, and so my account was past due. <P/>After learning of the discrepancy, I processed the payment manually via the Mohela website in the meantime, but I believe that by not clearly disclosing this delay in auto-debit payment processing on their website, they 've created obstacles to repayment by providing bad information, or no information at all.
Product: Debt collection

Weinberg Mediation keeps le aving me vague messages regarding an alleged " debt '' they claim I owe. They will not provide any information or validate the " debt '' in writing. They are constantly calling my cell phone, work phone and family. They threaten to take legal action and say each time that this is the final warning. I have called them and asked them to stop calling and to validate the " debt " in writing but I have not received anything from them except threatening phone calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : 15 U.S. Code 6801 : Pr
otection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information. 
15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX regarding a bankruptcy on my credit report. 

1 ) Bankruptcy - I provided written documentation from the US Bankruptcy Court stating it does not verify information with credit porting agencies ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. I provided written documentation to XXXX from third-party XXXX stating there is not a bankruptcy on my consumer file ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. XXXX has failed to provide how and with whom the information was verified. 

I provided I provided written documentation from the US Bankruptcy Court stating it does not verify information with credit porting agencies ( XXXX XX/XX/2020 ). TransUnion responded the information as " verified ''. I provided written documentation to XXXX from third-party XXXX stating there is not a bankruptcy on my consumer file ( XXXX XX/XX/2020 ). TranUnion responded the information as " verified ''. TransUnion has failed to provide how and with whom the information was verified. 

I provided written documentation to XXXX stating XXXX removed the bankruptcy from my credit reportXX/XX/XXXX ; yet reinstated the incorrect item on my credit report 2 ) Charged-off account - I provided written documentation stating XXXX is reporting late payments to a charged-off account ( XX/XX/XXXX ). XXXX responded the reporting of late payments on a charged-off account as accurate. 

Charged-off account - I provided written documentation stating TransUnion is reporting late payments to a charged-off account ( XX/XX/XXXX ). Transunion responded the reporting of late payments on a charged-off account as accurate.
Product: Debt collection

XXXX XXXX XXXX. and said it was assigned to XXXX address XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Texas XXXX sent me a letter on XX/XX/XXXX said they were collecting medical debt for XXXX Hospital/ XXXX XXXX from XXXX in the amount of {$830.00}. The letter was dated XX/XX/XXXX and said I need to respond by XX/XX/XXXX but I didn't receive it until XX/XX/XXXX. I responded with a debt dispute letter I sent this out on XX/XX/XXXX certified with return signature they received the letter XX/XX/XXXX I have received the card back with a XXXX signature on it. I checked my credit report and they reported it again XX/XX/XXXXthe day after they received my dispute letter. On XX/XX/XXXX they received it they sent me out another letter from XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX but this time with the name Mitchell D. Bluhm & Associates LLC. but this time saying I owe {$190.00}. It's the same company but they are just putting different company names on the letter head, and they are trying to scare people into paying them I asked them to Cease and Desist until they sent me proof the debt belong to me and if they can legally collect debt in the state if Michigan then they just put a lawyer 's name on the letter. None of the account numbers are mine nor service dates nor amounts they say I owe. One on the service date on both sheets are for XX/XX/XXXX one in the amount of {$57.00} and then the other for {$45.00}. I have never been to the doctor or hospital twice in one day. Plus, I have 2 insurances and have had for about 5 years, and I don't have co-pays, and anything not covered would come directly off of my FSA account. I do not have or ever had an account or signed or signed up for anything with this company.
Product: Credit card

My credit card is current. It is significantly below the credit limit. Citibank declined my card for a {$360.00} purchase. I was embarrassed at the store and with the clerk. I had to return home to locate a different credit card and return to the store to complete the purchase. Citibank denied the card was declined. The representative was unable to help me other than deny they declined the purchase, which was a lie.
Product: Student loan

I had a student loan out with Navient and I called them to discuss being a teacher for a non profit organization about 7 years ago. They told me I would qualify for the Non profit forgiveness loan but I have wait 6 years and then {$8000.00} would be forgiven. I called them multiple times to follow-up and they gave me the same information ( phone calls are on record ). After 6 years I called and they told me we needed you to sign a form, you have to wait another 6 years now. A form was NEVER mentioned prior, I obviously would have done it, I even made follow-up phone calls to ensure I received the forgiveness, and I was never made aware of having to sign something. When I was obviously upset on the phone, the enployee told me Navient had been cheating their customers for a long time, it was announced 2 days prior to my call, and I should join the class action lawsuit. The lawsuit seems to be about late payments, which I wouldnt qualify for. I need help please!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
-XXXX XXXX {$2600.00} ( date open XX/XX/2023 ) -XXXX XXXX XXXX {$1400.00} ( date open XX/XX/2023 )
Product: Debt collection

XX/XX/20 account was paid in a settlement with ERC account still showing on my credit report.
Product: Mortgage

Flagstar bank is refusing to remove pmi after paying down balance to 79 % loan to value owed. Will not use appraised value from XXXX and trying to make me pay for a brokers opinion fee. Was told it would be handled in 3-5 days but they continue to just resend my request to processing which takes 14 business days every time instead of just removing the pmi.
Product: Mortgage

InXX/XX/XXXXI bought my 1st house with Countrywide Financial Mortgage Co. As well known litigation XX/XX/XXXXallowed me to refinance my house with BofA , HARP program staid no closing cost, but I was charged the closing cost that was added to my outstanding balance. That time one benefit was no appraisal required by BofA. I asked BofA remove my PMI monthly payments, but they rejected my request. I paid PMI sinceXX/XX/XXXX {$98.00} x 12 month x 11 years = {$13000.00}!!! just PMI!!! beside interest ( 4-6 ) % on top of this.XX/XX/XXXX, last year, I asked BofA calculate for me how much I have to pay down to avoid PMI, that really unfair charges that sound like penalty to the first time home buyer!!! instead of benefits I got penalty!! Well since that BofA replied my with the general letter. I went twice in local branch : XXXX XXXX XXXX XXXXKS XXXX, tel XXXX. XXXX XXXX /NMLS ID XXXX/ and he was not able to tell me exact amount of pay to avoid PMI. I decided make own calculation. I borrowed $ XXXX from BofA, my resent balance $ XXXX, then ratio is 82 % ( XXXX:XXXX ) O.K. the general letters said my ratio need to be at least 80 %. Well, I paid down other $ 20K. Now my balance is below $ 100K, compare to borrowed amount $ XXXX it is 68 %. If take for consideration XXXX COUNTY APPRAISER 'S my house market value {$170000.00}, and the ratio will be 58 %. But BofA refused to accept XXXX COUNTY APPRAISER and force me to do an appraisal from they list that cost me $ 500- {$600.00}!! why do I need trough my money UNNECESSARY to somebody instead of to make payments against my principal? Why BofA was able refinance me in the first place without appraisal, and refused now?? I see only one answer : GREED!! the vain hope of finding work.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting that six ( 6 ) accounts has ever been late, when in fact, I identified only three ( 3 ) accounts that is listed in the attached dispute letter. I am requesting that TransUnion correct their reporting to reflect true and accurate accounts as ever being late to my credit file. If TransUnion identify three ( 3 ) additional accounts outside of the three ( 3 ) accounts that I identified and shown in the attachment, that they please provide me with this information vial mail.
Product: Checking or savings account

I was scammed in my checking account of {$XXXX} from dispute charges i did not do in XXXX, and the branch XXXX of PNC on XXXX XXXX XXXX XXXX, XXXX  XXXX refused to service me because of my appearance. He specifically asked if I could put on a different outfit or a long shirt over my nice brown dress I had on. He stated that I was making some of his employees uncomfortable due to my outfit which is discrimination. He told me he would call before the bank closed and never followed through. That was on XX/XX/year> Today is XX/XX/year> and I will once again try to go to the same branch and get my account fixed with my proper funds. I am a XXXX  XXXX XXXX majoring in XXXX  and that money was being used for school and basic human needs. Now I have no funding and I am in deep emotional distress because the bank was more worried about my outfit than helping me fix my account. Little does that XXXX know who was discriminating against me is that I suffer from mental health disorders and have constantly been bullied and targeted by judgmental people most of my life and that triggered me mentally. Being judgmental in a professional space when someone is seeking help respectfully is inappropriate especially a bank. What a person wears or what a person looks like should not determine what kind of treatment they should be given. We are all human, and all humans deserve respect and decency.
Product: Consumer Loan

On XX/XX/2014, a finance adviser at XXXX XXXX XXXX confirmed an approved vehicle loan application with Fifth Third Bank in my name. That day at the dealership, I was given a Fifth Third Bank Note to sign and I was able to leave with vehicle. Waiting for Fifth Third monthly payment statements. I received a demanding letter for payment from a different bank XXXX. I was suspicions that this was fraud and a scam, because listed on my vehicle title as a lien-holder was only Fifth Third Bank and the finance adviser at XXXX XXXX never mentioned XXXX. I sent notices to both banks demanding for answers. For months, I was unsuccessful in finding clarification. Without a court order or notices my car was illegally repossessed by XXXX. On XX/XX/2014, a letter sent by a Fifth Third Bank specialist, XXXX XXXX stated that my loan application was declined on XX/XX/2014, and the bank routed my declined application to Santander for approval. I did not authorize this transaction and I was denied the right to declined XXXX 's loan offer. XXXX have illegally repossessed vehicle before and there is a case against them that proves that. United States of America vs. XXXX XXXX XXXX. Furthermore, the dealership never asked for the car back, because of a declined loan XX/XX/2014 and I never received any notices of explanation from Fifth Third Bank or the Dealership before or on XXXX stating that my loan was declined. Both banks and the dealership have been deceptive with the loan transaction and Fifth Third Bank are still listed on my vehicle title. I also have letters from XXXX contradicting Fifth Third claims.
Product: Debt collection

Received a collection letter for a debt I had never been billed for. It has the wrong account number on the notification letter and I couldn't verify with the debt with the original company. I called the clinic and they had never sent me a bill for this debt because they had the wrong address on file for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like Experian to remove inquires XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I have XXXX Sallie Mae loans. I just finished school in XXXX and now they are constantly wanting money. They told me they do not have the same plans as Federal Student Loans. I do not have a job, yet. Usually, they wait 6 months after school. Sallie Mae did not even wait a month. Then, they made me pay late payments when I do not have a job. They told me they had no income driven plans. So, now I have to do forbearance with a rate of interest 10.25 % which is ridiculous. I have XXXX Sallie Mae loans when I looked at the total interest, I nearly passed out. On XXXX loans, they want to charge me XXXX dollars. The total I took out together was XXXX dollars ... XXXX is interest is highway robbery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and it was a bankruptcy on it and i sent a letter and called XXXX, Equifax and XXXX and they all said it was verified through the courts. So i contacted the Bankruptcy Court and the reply was they don't give information to 3rd party groups. So i sent letter to XXXX XXXX and all 3 credit bureaus as you can see in the attached document below XXXX XXXX removed it and courts continue to say verified through courts.
Product: Debt collection

Enhanced Recovery Company has previously tried to reach out to me with threatening tactics multiple times during the period of XX/XX/XXXX - XX/XX/XXXX regarding this so called debt that is not mind. I have also told the creditor, XXXX, that I was a victim of fraud and identity theft. I do not owe, nor do I know anything about this particular charge, and I've made this clear to this company, who has now tried to call me again earlier today, XX/XX/2019. I do not owe this bill, and I am being negatively affected by this companies repeated threats and contact for a bill that is not mine.
Product: Credit card or prepaid card

im apply a business card at barclay websilte. and received the result said is reject, call the customer service said need to provide the share holder information. 
our company is a XXXX , we have 2 share holder is XXXX i talk the the customer service said they only on 10 % of the company each and not the use person, do not have the ssn and the XXXX id ask what need to provide. they just call me back said the backend just request XXXX passport to process. after i submit the document, they said they do not accept any foreign document. you can reject the application. but the rep ask the document to provide, after i provide the document you request. the result is reject this document. it's joking to the customer. 

my application id XXXX