23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX we closed on a Home Equity loan as a refinance of our original mortgage issued in XX/XX/XXXX. This Home Equity loan on XXXX XXXX XXXX XXXX PA XXXX, was for the total amount of {$230000.00}. It was written by PNC Bank Mortgage loan officer XXXX XXXX, out of the XXXX XXXX XXXX XXXX office ( I'm not completely certain that this was the branch he worked out of ). 
At the time, he told us that we were getting a 15 yr. mortgage. At no point did he inform us that we would have a balloon payment of {$160000.00} due at the end of 15 years. At no point in the 15 years that we had this loan did PNC communicate to us that this balloon payment would be coming due in XX/XX/XXXX. In fact, the only way we discovered this was through our online banking portal. The payment due changed on XX/XX/XXXX from the typical {$1300.00}. to {$160000.00}. 
THIS IS PREDATORY LENDING. We have faithfully made our payments for the past 15 years, and now PNC expects us to come with a lump sum of XXXX? We need to have the loan modified in a reasonable and affordable way. So far PNC has NOT cooperated, we applied for a refinance and were told we did not quality - due to income and debt requirements. We own a small business and have cash flow problems. But we HAVE always made our mortgage payments. When we inquired about our options at PNC were advised to let it go delinquent and then do a " work-out '' we do not want to go delinquent and have our credit ruined. This is inexcusable. 
Please require PNC, a multi-BILLION dollar company, to do the right thing and modify this egregious loan product that should have NEVER been issued, and should have come with many, many communications about its payment structure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted disputes to XXXX, Equifax in regards to ( 2 ) closed account XXXX XXXX ( XXXX ) & XXXX XXXX ( XXXX ) for inaccuracy and failure to send me the status of the investigation within 30days. I asked that you assist me in contacting XXXX and Equifax and have them removed the above said closed accounts. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

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 XXXXXXXX
Product: Money transfer, virtual currency, or money service

Starting the week of XXXX XXXX I 've been trying to send money to XXXX through Xoom a company affiliated to Paypal but I have n't been able to do it because all of my attempts get canceled. 

I 've never opened an account directly with xoom but I was able to send money with my XXXX account -XXXX until recently that I had to create a xoom account because the other one it  is a paypal account and not a xoom account and I was't able to use it on the mobile app of xoom.

I called the verification department of xoom several times asking for their help including supervisor  XXXX and over several hour long calls up to this date they have n't been able to help me with this situation because they say there 's another account open that I can not remember or I did n't created. I 'm aware of the risks that this situation brings to me, like for example the possibility of a money laundering scheme or problems with the IRS out of an identity theft for me. 

I believe the company might not be compliying completely and correctly with some U.S. Federal  Regulations including the Dodd Frank Wall Street Reform and Consumer Protection Act to detect fraud and other illegitimate uses of the service.
Product: Money transfer, virtual currency, or money service

I opened an account with Ally Bank on XX/XX/year>. I reached out on XX/XX/year> because I received an error message when trying to enroll in XXXX. I started via online chat and was routed to the 1-800 number as the chat can can not support this kind of issue. The called lasted 30 mins. I was told this issue would need be researched by their XXXX team. Follow up in five days. Contacted them again via chat and phone on XX/XX/year> and the case was still being investigated. I contacted them again XX/XX/year> and a new case had to be started and an new technical would be investigating then a supervisor would contact me in two days. I received no calls, app notifications, messages, or voicemail. Reached out again on XX/XX/year> to ensure my case was being looked at and none of the note reflected all the past troubleshooting we had done. Called again on XX/XX/year> and the supervisor promised to follow up as we getting close to a month. No follow up gain. XX/XX/year> I called and the issue was being looked at. XX/XX/year> We created all new emails and reset all both my computer for the issue to still not be fixed. Today XX/XX/year> I called on my lunch to simply speak directly to the technical team ad directed. She kept me on the phone for an hour, missing my lunch, to finally get transferred and then hung up on by the supervisor. I have been extremely patient. They don't care to help their customers. They just waste time until you hang up.
Product: Debt collection

I have sent them certified mail to cease & desist calling my cell phone any longer. I ask them to demonstrate the entire chain of title of the said stated acct. with Synchrony Bank aka Care credit. I ask them to provide & produce all account statements that prove the acct balance in question to be correct or provide the actual amount they paid for the Care Credit acct. from Synchrony Bank. I was not notify by XXXX XXXX XXXX that they bought this account. Instead Synchrony Bank notify me by a letter sent snail mail dated as of XX/XX/XXXX. I now dispute the debt & sell. I could have used a debt management company to resolve the matter with Synchrony Bank. They used under handed means to get me to default on the account in the first place by lowering my Care Credit line of Credit from {$2000.00} to {$1400.00} without any written notice. I got the necessary documents to prove it. I'm under some economic hardship due to a part time job and a divorce earlier in the year.
Product: Debt collection

This company tries to intimidate, leaves threatening messages with false information and has called relatives of mine several times, even after being told to not call because I dont speak to most of my family.
Product: Credit reporting or other personal consumer reports

I have incorrect payment information on my equifax report. 
XXXX XXXX acct # XXXX showing late payments from XXXX XXXX XXXX acct # XXXX Showing late payments in XX/XX/XXXX and XX/XX/XXXX XXXX acct # XXXX showing late payments in XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX in XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID19 issues I was furloughed from my current job I contacted Dovenmuehle Mortgage, our current loan holder at the time, an was approved and received forbearance position on XX/XX/2020 and continued to be extended through XX/XX/2020, as shown by their letter dated XX/XX/12020. They assured me they would correctly report our position to the 3 credit bureaus and would not receive any late payments. When we recently checked our credit both XXXX and XXXX are showing 120 day lates. This has totally disrupted our lives and has dropped our credit score over 100 points. I have gone on record with over 30 phone calls ( all recorded and documented ) over the last 60 days into Dovenmuehle and, even though they confirm they made the mistake, they refuse to email me a simple 1 page letter I have been been requesting so I can clear my credit. This letter must contain specific items to which I will refer to further in the " Desired Outcome '' section. They also confirmed on recorded conversations I am not the only borrower they made these mistakes with during this time. I hope others who read this complaint that have had these same issues will join me in this complaint so that everyone will know the pain and suffering me and my family have experienced. Dovenmuehle is an irresponsible, inconsiderate company I have ever worked with!! They are a disgrace to the industry and I truly hope this complaint helps to discredit their name for everyone to witness!! Do not walk but run from this company so you never have to me treated as horribly and me and my family!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, my rights have been violated by 6 different companies. Listed below are 3 rights that have been violated ; 15 U.S.C 1681 Section 602A. States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 C. States that a debt collector may not communicate with a consumer in connection with the collection of any debt.

Below, I've listed the companies, account numbers, and amounts that should be removed from my credit report as soon as possible. Thank you for your cooperation. 

XXXX XXXX XXXX Account # XXXX Amount- {$320.00} XXXX XXXXXXXX Account # XXXX Amount- {$940.00} XXXXXXXX XXXX XXXXXXXX Account # XXXX Amount- {$1900.00} XXXX XXXX Account # XXXX Amount- {$2300.00} XXXX XXXX XXXX  Account # XXXX Amount- {$1200.00} XXXX XXXX XXXX Account # XXXX Amount- {$160.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00} XXXX XXXX XXXX Account # XXXX Amount- {$1400.00} XXXX XXXX XXXX Account # XXXX Amount- {$1200.00} XXXX XXXX XXXX Account # XXXX Amount- {$120.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00} XXXX XXXX XXXX Account # XXXX Amount- {$1300.00} XXXX XXXX XXXX Account # XXXX Amount- {$1200.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00}
Product: Mortgage

I was in a forbearance agreement due to covid-19 this forbearance is about to expire in XX/XX/2021. 
I submitted a loan modification request on XX/XX/XXXX, Chase only took few days to tell me that because I'm self-employed I don't qualified to obtain a loan modification. I ask why they did not have a valid answer. 
I re-applied back on XX/XX/2021, to obtain the same answer from chase. 
they only said I can only due a repayment plan, this repayment plan was for {$3500.00} in an amount that I can't truly afford. 
I ask who was my investor? they answer that XXXX XXXX was in fact the investor on my loan. when I look up XXXX a tool to see if XXXX XXXX owns the loan in fact XXXX https : //loanlookup.freddiemac.com/** the XXXX XXXX web page it's said that XXXX XXXX XXXX not own the loan. 
My intentions were never to fall behind any of my payments, I'm a realtor and work hard to provide for my family. due to the pandemic I was not able to show houses for almost 7 months, this is the main reason why a fall behind on payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  accounts listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My husband and I paid off all of our federal student loans through Mohela and XXXX in XXXX. Using the payoff calculator, we submitted the full amounts requested. I then had a - {$0.00} balance with Mohela. The same thing happened with my husbands loans through XXXX, but with a larger balance of less than {$3.00}. Neither of us have been able to get the refunded amounts. My concern isn't the amount of money, it's the fact that : 1. Services are overcharging and not automatically reimbursing borrowers. Students are penalized for under and late payments, but why not the servicers? This is a dangerous double standard at best, and at worst is a form of financial fraud known as " salami slicing '' and it needs to be addressed with the same urgency that students are consistently faced with. My Mohela account doesn't even reflect the difference anymore. It just says that the amount owed is {$0.00}, which is further proof that these servicers are both taking advantage and sloppy. 

2. We have not been able to get help through messaging through our accounts. We have also not been able to get answers via phone. I could not reach Mohela via phone. My husband called XXXX twice and they had to file some paperwork for him to get reimbursed and after XXXX phone calls, no one was able to properly help him and they never followed up. Both times, he waited several hours to speak to a representative. The fact that they couldn't help him twice was bad enough. Why aren't these transactions automated? 

3. People in our position with non-urgent calls are forced to increase the phone wait times when it's already impossible to reach customer service.

4. The government should hold services accountable and reimburse students promptly. Students who overpay and are owed funds should earn interest on funds being held by sevicers.
Product: Debt collection

I had a XXXX XXXX credit card and owed XXXX and change. I paid it in full to XXXX XXXX. The agent with whom I made the last payments on the phone asked me if I wanted the confirmation numbers for paying in full and I said please send them to my email address, as I am on the pho0ne and don't have a way to write them down. He never sent them and they subsequently transferred the old and already paid account balance to Portfolio recovery associates. They did report that I had paid it off in full to the credit reporting agencies ie XXXX and XXXX. The reporting was noted and reflected by all three agencies with a jump in my credit scores. But then, Portfolio Recovery started hounding me to pay this exact same bill. I have the bank statements PROVING that I have paid XXXX  XXXX in FULL for this debt, The fact that the three credit bureaus also reported this account as paid in full evidently is irrelevant because I keep being hounded to pay TWICE., I sent both XXXX  XXXX and Portfolio the bank statements with the automatic payments to XXXX XXXX equaling the total amount. I admit that it took me much longer to pay off this bill but I refuse to pay it twice. I want records of them ( XXXX  XXXX ) receiving my payments sent to Portfolio and I want them to STOP HARASSING ME FOR THIS account that has been paid in full for over a year
Product: Mortgage

Initiated refinance process with Cardinal Financial on XX/XX/XXXX. Loan still hasn't closed. Company is not very responsive. I've been promised prompt follow-up to my open issues and often received no follow-up at all. I am the only one keeping this process moving but at this point it has grinded to a halt and I have no idea why. I was told that the closing would include payment of my second installment of property taxes, but their extreme delays in closing caused me to miss my property tax payment deadline, so now I'm facing a {$1000.00} late payment penalty from my XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts are not affiliated with me nor are they authorized by 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
Product: Debt collection

World Finance is not my debt. they call me after hours and harass me. I feel like a victim all over again
Product: Money transfer, virtual currency, or money service

I have filing a complaint against cash app ( Block , Inc . ) due to the inadequate customer service and unfair practices which violate the consumers financial protection act ( CFPA ). Specifically cash app has failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. furthermore their dispute was unfair and deceptive, as they do not comply with error resolution under the electronic Funds Transfer Act ( EFTA ) and regulations E. This action has caused significant inconvenience and financial loss, and I seek appropriate redress and financial loss for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX  XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, and # XXXX XXXX XXXX XXXX. Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U S.C 1681 Section 604 A Section 2 : it also state consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

The problem with this credit card that reporting is I do not use it very often had the card since XXXX and paid bills on time never had an issue once charge a late fee due to no fault minds and was credited back here now opened card back up and use it again as of XX/XX/XXXX the first payment was due on XX/XX/XXXX which wasn't aware of due date until search account on XXXX reason it paid late I didn't realize the due date and pay it on XXXX afterwords I was charge XXXX late fee now again here it is XX/XX/XXXX, now making another payment which is due on XXXX Due to honest mistake not utilizing the card often and having multiple monthly bills thinking this bill due on XXXX of the month now they charging another late fee for being one day late I contact the company explains honest mistake they refuse to at least credit back XXXX of the late fees charged or both also change the due date to later day to avoid this happening again within two months been charge the twice late fee-paying unnecessary out pocket expense of XXXX the company management refuse to honor resolution something should been done as loyal customer of there service or granted grace periold before late fee charge requesting support to remove the late fees charge on this account and refund back into my balance
Product: Student loan

in XXXX I started collage at XXXX XXXX  in the XXXX XXXX. 
I agreed to a grant from the Georgia Student Finance Authority of XXXX XXXX dollars for that program that would need to be repaid if i did not enter the engineering field in GA for at least 2 years after graduation. 
In XXXX XXXX i swapped over to the XXXX XXXX due to some politics, and personal dynamics that were not conducive to my success in the XXXX XXXX. 
in XXXX  XXXX I stopped going to the school in search of a position in XXXX XXXX within the state of Georgia such that I can finance the XXXX classes I had left. 
in XXXX i got a position with XXXX XXXX XXXX XXXX XXXX  for XXXX XXXX  remotely. 
In XXXX or there about i noticed that XXXX was reporting that an account of mine was " delinquent '' early XXXX i looked into getting access to their site to figure out what information i could gather and could not get any information from the site due to the site refusing to accept a legitimate Zip code. 
in XXXX I received a letter from the Georgia Department of Revenue about them seizing my tax return about this grant in an amount greater then the grant amount.

during this time I had received NO notice of anything regarding this grant since the date I started collage at XXXX. i had receive no bill, no calls or other contact regarding this alleged debt. no notice that the grant needed to be repaid, nothing.

I filed an letter with the department of revenue and the Georgia student finance authority requesting an appeal detailing these issues, and they immediately refunded the money. 
On the week of XXXX XXXX XXXX XXXX i received another notice of such a seizure and proceeded to get more information.

They refused to provide any information about the grant and refused to do anything about it.
Product: Debt collection

I filed a compliant against First Federal Credit Control on XX/XX/XXXX and XX/XX/XXXX advising the following : Providing a bill/ statement is NOT a form of VALIDATION it is a form of VERIFICATION which is NOT what I requested. Verification means establishing truth and accuracy. Validation means to provided the legal proof of this truth and accuracy. Proof of validation includes leases, promissory notes, contracts with an original signature. I requested full documentation of the validity of the alleged debt with a contract bearing my signature. Which the collection agency still has not provided. Although the validation notice was sent on XX/XX/XXXX to the right address, however, the notice arrived in my mothers name, which technically I did not receive and also which is a VIOLATION OF HIPAA. The bill provided by the collection agency on XX/XX/XXXX also listed my mothers name as a patient and under the insurance information which is a VIOLATION OF HIPAA. The information presented by collection agency is inaccurate. I am not on my mothers insurance and my mother doesn't have medical insurance currently. The documentation provided violates my rights as a patient. The collection agency stated that their records are correct and accurate which is FALSE. My mother should not be listed on this account at all for any reason. My mother should also not be included in the bill/statement provided. ALL DOCUMENTATION PROVIDED IS INVALID AND INACCURATE. It is the responsibility of the collection agency to make sure that the information provided by the original creditor was indeed accurate and correct which includes the insurance information to which they have failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX 15USC 1692 ( g ) Failure to validate this alleged debt. 
15 USC 1692cI Ceasing communication FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations