23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were contacted by an agent from Moria Development DBA Peoples Mortgage, and gave false information about a loan product, specifically a XXXX loan. The agent expressed that she was an experienced loan officer and knew what she was doing. She screwed up our loan process because she waited until the week of closing to tell us that she did not know how to process a XXXX loan. She made me pay for an appraisal for the property, as well as a XXXX consultant, and she did not know what she was doing. There was false advertisement, lies during the process, and she was the cause of us missing out on a great home as a first time home buyer. XXXX XXXX of Peoples Mortgage who is Moria Development , Inc. should be held responsible for her falsely representing products.
Product: Mortgage

I closed a loan from Wells Fargo back in 2011. I had disputed an address on my credit report which was associated with it ( my attorney for closing 's address ). I 'm now trying to purchase a new home and ca n't get a loan because on my credit report it 's saying that the old mortgage is being disputed. On XXXX XXXX, I faxed a letter to Wells Fargo with the request as they told me to do. I called them a XXXX later and was told that there was no way of looking into the matter as the division of Wells Fargo that deals with it does n't have a phone number or e-mail. After many more attempts I spoke with a lady who informed me that the fax was received and that there was an image on the account but that she could n't open it to see what it was. I called back a XXXX later and spoke with XXXX who stated that she had sent an e-mail requesting a follow up on the incident. I called XXXX 's direct line ( XXXX ) as she had told me to do and requested she call me back. On XXXX I called XXXX 's direct line again, and again requested she call me back and as of this date XXXX I have not heard from XXXX or Wells Fargo. All I am looking for is a letter from Wells Fargo stating I am no longer disputing the loan so that I can move on with my life and purchase a new house for my family. It seems as if Wells Fargo is intentionally ignoring my request.
Product: Student loan

To whom it may concern ; I recently took out a loan from my equity of my house and use it to payoff my student loans. The title company got cashier 's check in my name and sent to XXXX ; however, due to an automatic payment that was drafted out of my bank account before I could cancel, the pay off amount to XXXX was more than the current balance owed. I've since contacted them on several occasions, spoke to at least 3 representative to inquire about my refund. They kept telling me that a refund was issued to a XXXX XXXX XXXX, which I don't even know how to track down to get my refund back. A cashier 's check was made in my name payable to XXXX and I want them to issue my refund. The amount owed to me is {$110.00} and I have been unsuccessful of trying get my refund back from XXXX.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.15 USC 1681 SECTION 602 STATED I HAVE THE RIGHT TO PRIVACY.15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR AND PURPOSE
Product: Credit card

I've had a credit card with Ally/XXXX for the past several years. I've used it without any problems. I never carried a balance on the card and, to my knowledge, I never made any late payments. I earned 2.5 % cash back on the card. I initially opened the account with XXXX and the institution was later bought out by Ally. 

My account was closed in XXXX, XXXX, by Ally, without any warning or explanation. My account was not past due and I did not owe anything on the account. According to the " Cardmember Agreement, '' Ally has the right to close my account without any warning or explanation. I, however, had a statement credit of {$150.00} ( earned through the 2.5 % cash back rewards program ). Upon account closure, I was not re-imbursed for the statement credit on my account. I was told by the first representative, and the second representative that I spoke to that any credit earned through the cash back rewards program is forfeited upon account closure. I may be mistaken, but I don't see anywhere in the " Cardmember Agreement '' ( that Ally sent to me after account closure and after I spoke to the representatives ) that statement credits earned through the cashback rewards program would be forfeited upon account closure. Conversely, the " Cardmember Agreement '' states that I would continue to owe any debts that I had on the account after account closure. There is a " Benefits '' section that mentions the right to change or remove any benefits at any time, but they are not defined in the " Cardmember Agreement. '' The " Cardmember Agreement '' also states they are defined elsewhere, but not exactly where. I also don't see how that would apply to credit already earned.
Product: Student loan

Original Email to Edfinanical Customer Service dated XX/XX/XXXX " In light of recent decisions by the white house, I would like request a refund on several payments made since XX/XX/XXXX. 

Payments I would like a refund on are below with the dates they were processed and payment total. The refund and remainder I have left to pay will equal the forgiven amount of {$10000.00}. 

XX/XX/XXXX = {$520.00} XX/XX/XXXX = {$520.00} XX/XX/XXXX = {$520.00} XX/XX/XXXX = {$520.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$700.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$400.00} XX/XX/XXXX = {$400.00} XX/XX/XXXX = {$400.00} '' I received the response below on XX/XX/XXXX " Thank you for contacting Edfinancial Services. 

We have received your request and have submitted it for processing. Please note, all refunds will be processed according to the U.S. Department of Education 's timeline for the discharge program. We appreciate your patience. '' Since that response it has been over a month and I have heard nothing from them. The refund has not been issued to my bank account and the amount on my Edfinanical account does not reflect the refund I requested. The fact that I have received no other information is alarming and I would like the issue refunded as soon as possible. There is no reason someone should have to wait this long for a refund to be issued.
Product: Credit reporting or other personal consumer reports

I attempted to apply for credit and was denied, I was told to look over my credit report and if you find XXXX discrepancies to file a police report. I found two ( 2 ) unauthorized accounts on my credit report that has been reporting as collections two ( 2 ) CREDIT CONTROL SERVICE I've tried disputing these accounts and they can not provide me with any evidence or documentation that I had these accounts. 

I have items on my consumer report that are a result of Identity Theft and not made by any transaction related to me There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

This just proves your lack of proper record keeping. Now, this item is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ... XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My account with Bank of America was never late .I have had exceptional payment history with Bank of America and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Bank of America Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

On Friday at XXXX XXXX, I called Experian 's customer service to initiate a dispute regarding this bankruptcy. I was informed that Experian had previously conducted an investigation and that the bankruptcy was verified, and would therefore remain on my credit report. However, I never received any formal verification letter, only a verbal notification indicating that the bankruptcy would stay on my report. 

During the call, the representative informed me that she could not record the conversation, although Experian could do so. She also stated that the verification of the bankruptcy was conducted through the court. I immediately explained that I have an official letter from the court ( XXXX XXXX XXXX XXXX  XXXX ) stating that the court does not share information with third parties such as credit agencies. I requested to speak with a supervisor, who initially refused to initiate a new dispute, which I consider to be fraudulent and harmful. 

Eventually, after my insistence, the supervisor did initiate the dispute, although I was not provided with clear details on how the verification process would proceed. 

I believe that Experians actions are fraudulent and damaging, as it has caused significant harm by keeping inaccurate information on my report without proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had this problem numerous times with Equifax, with them removing an item ( XXXX XXXX XXXX ) only to have it reappear on my credit report. The time before this complaint was back in XXXX complaint number XXXX. I'm getting tired of this, their not following the law of the credit Reporting Act. The latest one was a few days ago, which I'm sending proof of. This illegall activity just keeps occuring.
Product: Student loan

I have been trying to get the fedloan.gov to certify my eligible student loans for public service loan forgiveness. I have been trying to resolve this matter for over a year with numerous phone calls  ( 10+ )   and submitted written requests.     Issue is whether  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX  a non profit  501 ( c ) ( 6 )   qualifies for public service loan forgiveness?      Public Service Loan Forgiveness is gr anted in the following circumstances '' " If your organization is tax-exempt, but is not a  501 ( c   ) ( 3  ) organization, it could qualify under this category if it provides a qualifying public service. '' Fedloan.gov will not provide what standard is used to define the following qualifying public service :  Emergency management Public safety T hey wo n't tell me if I do qualify. If do n't, why not? What is the standard. No guidelines exist and no one will put anything specific in writing. I am constantly put on hold fo r 20 m inutes or more and then hung up on.     https : //myfedloan.org/borrowers/special-programs/pslf
Product: Mortgage

on XX/XX/XXXX I received a call for a man saying he was XXXX with BB & T and it was imperative and in my best interest to call him back. Advised I needed to pay {$980.00} to avoid my mortgage going into foreclosure. I gave my savings account number but didn't have enough in it to pay so I was told to get XXXX XXXX XXXX XXXX card and I did. On XX/XX/XXXX for {$500.00} and On XX/XX/XXXX for {$490.00}. I called the direct number back XXXX and the number was no longer in service. After reviewing my cell phone messages this man has left me two threating messages from that number to call him. 
I have spoke to SLS and BB & T regarding this and either account has the payments posted. I need help tracking down this well needed money. Due to my account about to go into foreclosure. I am a single hardworking mother whom have taking over the care of XXXX little girls and keeping my sisters kids while she is working out of state. Please tell me there is some hope of getting my funds back.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Wrong Personal Informations : Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Experian several times concerning this negative mark on my report and requested proof that this account is mine per the FCRA which they have not.
Product: Mortgage

We took out a loan modification with Bank of American that was completed on XXXX/XXXX/2015. The loan documents should have been sent to the XXXX XXXX Recorders office in XXXX XXXX, NV on XXXX XXXX. They were not and have not been sent as of today 's date of XXXX XXXX, 2015. We have called Bank of American on numerous occasions each time speaking no less than XXXX hours while being passed from person to person and department to department. Each time we have been assured that the document was sent except for XXXX time being told it takes the recorders office XXXX days to record a document ... that is there standard pat answer. I both called and visited the Recorders office in person. They told me on XXXX occasions that it takes only XXXX days to record a document once it is received. The recorders office gave me a print out showing all documents that have been received and recorded on our property. The loan modification is not on the list! We spent XXXX hours speaking to Bank of American on Thursday and another hour today and nothing has been resolved. We are considering selling the home but no realtor will list the house until the recording of the loan mod is done. We do not feel that we should be required to make payments on a home that is not recorded in our name or that we should stop making payments which would have a negative impact on the credit we are trying to rebuild. In addition, BOA forced insurance on the property. The insurance they have only protects their interest in the loan balance and not our equity. We purchased a policy with the United States XXXX XXXX XXXX on XXXX XXXX, 2015 that protects the interest of XXXX parties. A copy was sent to BOA by the insurance company on XXXX XXXX, 2015, however, BOA has for XXXX months insisted that they did not receive it. So we are left paying for XXXX policies, XXXX from the escrow account and XXXX from our pockets. On Thursday they finally took the insurance information from me but have given me no proof that they actually put the information into the system. There is no reason for BOA to delay in sending the documents.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to track picking debt final role, 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you blocked this information from my credit report within four business days pursuant to section 605C of the fair credit reporting act I am a victim of XXXX XXXXg XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted Company information, Transunion please delete the following accounts XXXX balance {$0.00} XXXX  balance {$170.00} XXXX XXXX balance {$1200.00} XXXX  balance {$0.00} XXXX XXXX  balance {$370.00} XXXX XXXX  balance {$1300.00} XXXX XXXX XXXXXXXX  balance {$200.00}
Product: Debt collection

Allied is reporting an account on both my XXXX XXXX and XXXX credit reports in the amount of $ XXXXfor a former account with XXXX. This account was paid directly to XXXX in full. Therefore, Allied does not have any legal right to try to collect it from me, including reporting it on my credit report as unpaid and derogatory. Allied has an obligation under the FCRA to report truthful and accurate information and because they have no legal right to collect this account or report it they are in violation of the FCRA. Further, I have never received any mail communication from Allied notifying me of the account or my right to dispute it as per the FDCPA and although Allied calls my cell phone repeatedly with their automated dialing system, they never leave any voice messages.
Product: Credit reporting or other personal consumer reports

This is my fourth complaint about Experian in violation of reporting inaccurate information that should be removed. I've submitted countless documents proving my claims yet they still haven't removed the inaccurate information. They even sent me a email saying that they have made mistakes on my credit report but has yet to remove the wrong data. It must be done immediately or I will continue to take legal action to the highest level of law. 
Experian has yet to remove the incorrect addresses I am not associated with. The name alias that are not my legal name. 
My credit report should only show XXXX XXXX XXXX XXXX. I have submitted my ID, social security card, identity theft report. All of this information has been sent in numerous times XXXX XXXX XXXX XXXX bank XXXXXXXX XXXX
Product: Debt collection

I am being called by XXXX XXXX at least 5 times a day. Just today, they called me from 5 different phone numbers, a couple from other area codes! I try to block the numbers every time, but day after day, I get call after call, always from a different number! This account was settled with the origional creditor, and I hold current accounts with that bank right now. I want XXXX XXXX to STOP calling me at al, much less 5 times a day from 5 different numbers!
Product: Debt collection

I had accrued medical bills from a trip to the emergency room which ended up being transferred to the collection agency listed here : BCA FINANCIAL SERVICES,XXXX. Contact Information : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX, ( XXXX ) XXXX. When i contacted this company to pay my debts they assured me that paying them in full would result in them fully absolving the debt along with removing the delinquencies from my credit report and marking them as paid on time. The derogatory marks remain on my credit report and continue to hurt my credit. I would very much appreciate any action that can be taken to get the company to honor their agreement.
Product: Money transfer, virtual currency, or money service

Im a XXXX  seller who has been selling valuable items that I had to get my money together during COVID. I have sold items such as XXXX, and a XXXX and those buyers were proud with there order but I didnt get my money which hurts. So now those people are going around flexing with my items while my money is on hold for 180 days. I think PayPal is being a little overprotective by putting my money on 180 day hold because I dont do fraud or any negative activity, and if you check my PayPal account you will mainly see only XXXX  orders. Im a dedicated XXXX seller who wants to make a brand called XXXX and sell expensive jewelry and designer clothes Ive received in the music industry. I created other PayPal accounts because I felt that PayPal tried to stop me from making money during this rough time in my life. Ive contacted PayPal multiple of times and I get the same email saying I have to wait. The PayPal email Im contacted to work on is XXXX XXXX