23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

my complaint is with XXXX XXXX XXXX company I made a loan one time and encountered an abuse.It wasXX/XX/XXXX when I went to make a payment with cashiers check endorsed as XXXX XXXX XXXX a lady at the counter refuse to accept the payment because it was not written as XXXX XXXX XXXX, it was written as XXXX XXXX XXXX.if did not have time to change the office would be closed for four days they would charge me late fee and the bank would charge more fee for not having suficiente fund.This my first loan after I paid it with no even late one day one month later I received a letter notice of data breach.So that induced me to get loan in order to alieviate from someone using my information and get a loan until I do some thing to prevent identity theft.So when they gave me the contract I saw that the score was XXXX, but the next day when I checked my score was XXXX.And this was intentional falsification to jack up the score.Then on XX/XX/XXXX I wrote them a letter how we can solve the situation and never received an answer.
Product: Money transfer, virtual currency, or money service

Wire transfer funds from my XXXX stock purchase brokerage XXXX headquartered in XXXX ) went missing - amount XXXX XXXX. The funds were wired through Citibank to my XXXX XXXX XXXXXXXX account. After launching an investigation, XXXX XXXX XXXXXXXX concluded that the money was returned back to Citibank. See attached investigation from XXXX XXXXXXXX XXXX. 

Citibank has still not credited the return wire. Both XXXX and Citibank are not even accepting the fact the money was returned. I have called the sender XXXX multiple time to launch an investigation with Citibank but so far no results. The money was retuned back on XX/XX/XXXX and as of this writing, it is XX/XX/XXXX and absolutely no progress in the matter, Citibank refuses to talk to me, XXXX claims Citibank does not have the returned funds yet and XXXX XXXX XXXXXXXX claims it was sent back to Citibank so there is no end in sight. Wire transfer money is NOT meant to be lost - Citibank needs to get serious about locating it as the initiator of the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a judgment years ago, Capitol One never released it with XXXX XXXX County, Iowa and I am now unable to close on a house that I am trying to purchase. I spoke to Capitol One on XX/XX/2019 and Capitol One keeps telling me it is in " legal '' and they don't have a telephone number for legal. 

I really need to close on my house and the bank won't lend the money because of this old judgment that I paid off long ago. 

Someone told me it appears that Capitol One is possibly doing this as part of its strategy to fight a bankruptcy ruling where it was sanctioned : https : XXXX I hope this is not true, I just want to close on my house.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against Experian Regarding Inaccurate Late Payment Reporting for XXXX XXXX XXXXXXXX Account Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXXXXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : Account Number : XXXX High Balance : {$1900.00} Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Description : Individual, Closed or paid account/zXXXX  balance Dispute Status : Account not disputed Creditor Type : Bank Credit Cards XXXX XXXX XXXX, XXXX Credit Card XXXX XXXX XXXX XXXX Account XXXX : Closed Payment Status : Late 30 Days Creditor Remarks : Canceled by XXXX XXXX ( XXXX ), XXXX due to inactivity ( Experian ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$1700.00} Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

The Lakeview XXXX site has been down for like a week because of cyber attacks, and hacks. They have left customers in the dark about all this. Today they withdrew the incorrect amount from my bank account and I can not get ahold of anybody at lakeview. The amount doesn't show up in my account on their website, so I have no way of verifying it being legit or not. They changed the website, and accounts so my account stopped working and I had to reset my password. Most of the features on their website relating to accounts isn't working. This has has been a horrible experience. They bought my mortgage about XXXX  months ago and has been a source of constant problems since. My loan payment says it's due today, and I can't pay or get this corrected either.
Product: Debt collection

Harris & Harris , Ltd . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has repeatedly contacted via phone calls, text messages, and now emails. Every time it's from different phone numbers. I requested they send me proof of the debt via certified mail and they stated they would do it this one time. I requested that they send me a breakdown of the charges. The person who contacted me was frustrated and annoyed because I asked for this information. They stated they would only do it this one time but never sent me any information regarding the debt but kept contacting me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I submitted a request to have 2 accounts removed from my credit report, due to the fact that they were canceled by the creditor. I submitted my copy of the 1099-C that both XXXX XXXX and XXXX canceled these accounts. Under the governing laws of the IRS, canceled debt is deemed income by the IRS. Which means that I now must file these forms with my XXXX tax return. Attached is evidence that these accounts were indeed canceled. It is illegal to report a canceled account to a credit report because it is now considered income by the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Checking or savings account

I believe to be a victim of identity theft since XXXX I got a call from Wells Fargo bank in XXXX stating I may have a settlement for fraudulent account 's made in my name. I also got some information from a source that I may have an inheritance that was taking from me also and maybe some crimes in my name. I believe it's a group of XXXX individual 's involved. I believe it's a XXXX XXXX lives in Florida and one of these people I was involved in a relationship with. XXXX possible names I XXXX have is the married couple XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX should show pictures of the couple.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX ( XX/XX/year> ) Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the XXXX  time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Debt collection

In Bayviews response they state i ask for similar documents instead of askng for responses on letters i've sent see resolution below
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX A Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX, XXXX OF XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Mortgage

I went to wells fargo to apply for a mortgage loan. I was given a preapproval letter by XXXX XXXX stating how much I was approved for. I gave the letter to my real estate agent and we started looking. Within a few days we found a home. We communicated with the loan officer the amount of the home and he gave us an offer amount that fit our payment needs while being in the budget he gave us. The offer he told us to give was accepted so I proceeded to borrow from my XXXX for the {$1000.00} binder needed as well as the inspections. XXXX then told us to immediately give the money back to XXXX XXXX because it would look bad on our credit, not knowing XXXX loans do not affect your credit what so ever. XXXX should have been very well aware of that! So we could not give the money back so he advised us to immediately use the money to pay off a couple of credit cards to make up for taking out the loan. This was unescessary money we did not need to spend nor could we afford to spend then to find out it was for absolutely no reason in the end. We proceeded to move forward with inspections and XXXX. This is when all phone, email, or text message communication completely stopped. We reached out numerous times to let him know all these things were done and we were ready for finalizing. Well after about 8 days we realized the loan was not going to go through, he had inputted my info wrong. I still have not recieved a call from him at this point I have reached out to corporate and was informed that he was wrong and they were sorry ... .Well now I have taken out a {$2000.00} loan, paid for all inspections, paid off XXXX credit cards with the money borrowed per his advice, and put down a {$1000.00} binder all on the word of my loan officer who allowed me and encouraged me to move forward. Corporate does not seem to think this is a big deal and have not in any way tried to make ammends. I feel very strongly wells fargo owes me all the money that I spent in this process because it was money that was wasted and money I did not need to spend nor did I have.
Product: Debt collection

National Recovery Agency insist that I owe {$5700.00} in charges. I am a victim of Identity Theft. I was recently contacted by the United States XXXX XXXX XXXX XXXX informing me that I was a victim of ID theft. They informed me that my information has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to purchase my first home. As many people know, it is quite the process. In this process, it was discovered that a dispute was incorrectly listed on my credit report because I never authorized any dispute whatsoever. In my attempt to contact Equifax to resolve this matter so that I could get a loan for my home, I have continued to be thrown through the ringer. I called back in XXXX to have the issue resolved and was informed that it was taken care of only to find on XX/XX/19 that was in fact, a lie. So, I called to resolve the matter and the first person I talked to wanted everything down to the exact amount of my loans in order for me to verify my identity. I understand trying to protect people, but there are other ways you can go about doing that without asking me to carry every document of financial information with me in order for me to answer my questions. After I didnt pass my verification because the process is absurd ... I was asked to send in a written request. So I did. I called back with my lender on XX/XX/19 to try and get this matter resolved faster, as he has all of my information that I need right in front of him and after going through two people and a supervisor that were unable to help me I was then told that i couldnt talk to a manager because he wasnt taking any calls. They wouldnt give me a name for them or anything ... to fix a problem that they should have already taken care of months ago. How is a consumer supposed to accurately adjust their credit report with a company that makes it impossible to do so? Im pretty sure im going to lose my deal on my very first home. Equifax should be punished.
Product: Credit reporting or other personal consumer reports

I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report. 

XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts and personal information reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX - Open XXXX Bal. {$130.00} ( I was never 30 days late XXXX XXXX - Opened XXXX Bal. {$22000.00} ( I was never 120 days late ) XXXX  - OpenedXX/XX/XXXXXX/XX/XXXX Bal. {$4700.00} ( I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$8000.00} ( I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$1800.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$2600.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$6000.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$8300.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$6000.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$8600.00} XXXX I was never 120 days late XXXX XXXX - Opened XXXX Bal. {$23000.00} ( I was never 120 days late ) The following accounts is a result of identity theft : UNKNOWN - Opened XXXX ( XXXX  XXXX UNKNOWN - Opened XXXX ( XXXX  XXXX
Product: Student loan

I asked for in school deferment as I had two XXXX online courses - the one with XXXX was the only one I requested to be considered. Navient was slow in sending the forms after they agreed to send them in XXXX - the course ran from XX/XX/XXXX to XX/XX/XXXX. In XXXX they finally sent the forms which I promptly filled out and sent back to them. They have never responded about the disposition of my request, instead they continue to demand payment even as I have sent them a payment - {$50.00} XX/XX/XXXX - and am send another today, as I have agreed to do since XXXX. 
Now Navient is threatening Litigation with their legal network partner ( unnamed ).  XXXX XXXX - VP of XXXX XXXX XXXX appears to not recognize that I have agreed to continue making payments. This has become so typical of Navient 's total disregard for my responses, requests, and remittances. 
Furthermore, over the years there has been a complete unwillingness to provide year to date total of payments made. Their unwillingness to be transparent makes coming to any settlement, which they offered at a 90 % payback on approx. {$3600.00} is not possible for me at this time and is greatly beyond what most creditors would conisder a " mutually discomfortable '' arrangement. Attached below is a recent Navient notice XXXX XXXX, here 's a friendly reminder that your Monthly Payment is due soon. 

This is not a bill. 

Your Monthly Payment ( s ) for the private loan ( s ) listed below is due on XX/XX/XXXX: XXXX XXXX in the amount of {$390.00}. 

Please note that this email does not include all information depicted on your statement. We highly encourage you to review the entire document by logging in to your account, as it has additional pertinent information related to your loans. 

You can view and print your monthly billing statement ( s ) by accessing your inbox. 

Ways you can pay Online : The fastest way to make a payment is by visiting Navient.com. With our mobile site, it's easy to pay on your smartphone, too. 
By phone : Call us at XXXX. 

If you are enrolled in Auto Pay the amount shown on your statement will be debited from your designated bank account. 

We're here to help Visit us online or give us a call at XXXX, Monday - Thursday   XXXX XXXX to XXXX XXXX, and Friday XXXX XXXX to XXXX XXXX, ET. 

1The payment amount ( s ) listed above reflects the amount due as of the date of this email. Please log in to your account at Navient.com to view your minimum payment due. 

Please do not respond to this automated message. Emails sent to this address are not monitored. 

Privacy | Terms of Use 2018 Navient Solutions , LLC . All rights reserved. Navient and the Navient logo are registered service marks of Navient Solutions , LLC . Navient Corporation and its subsidiaries, including Navient Solutions, LLC, are not sponsored by or agencies of the United States of America. 
XXXX XXXX
Product: Student loan

I submitted my PSLF application on XX/XX/2022. I received email notification on XX/XX/2022 my PSLF application was denied. I didn't understand how because I have been employed for the XXXX  for over 14 years and I have made over 120 monthly payments. I called Mohela on XX/XX/2022 and spoke with a worker. She reviewed my PSLF application dated XX/XX/2022 and stated my application should not have been denied as I met the qualifications submitted on the application. She reopened my XX/XX/2022 PSLF application with a received date of XX/XX/2022. Now I have to wait another 90 business days before Mohela processes my PSLF application. What kind of business are they running. If the error is caused by Mohela I should not have to start over and wait another 90 days for the process of loan forgiveness. I should be able to keep my original received PSLF application date of XX/XX/2022. I do not have time in my day to wait 2-3 hours to be on hold with Mohela just to speak to someone about their error. The Mohela PSLF application process should not be difficult to verify my employment and 120 payments made by my student loan servicer. It's as if Mohela does not want people to receive student loan forgiveness authorize by the Federal Government so they prolonged the process and denied my application that meets all the qualifications for forgiveness. Please change my PSLF application date back to XX/XX/2022 so the process to loan forgiveness can be completed in a timely matter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This company NEVER sent a response as to why I was " approved '' and then declined. They have never emailed me to contact me about this matter, yet they lie and claim they contacted me. No emails whatsoever. 

As I stated previously, when I called to check the status of the application it had NOT went to underwriting according to their agent but I was approved as underwriting was the final step. I was also PROMISED by their agent that my credit would only be pulled once it went to underwriting which at that point it had not. They confirmed their agent made a mistake. 

That said, had the agent said it was a pre-approval then I would have never continued the process and there would have been no need to check my credit creating 2 inquiries by Headway  Capital on my credit report. 

So no, I did NOT knowingly give authorization as that was only done AFTER I was told by their agent that I was completely approved. This company has yet to email me anything and I have asked for an emailed response ONLY! 

Still waiting to hear back from the company that lies repeatedly.
Product: Debt collection

Monarch Recovery repeatedly calls me and calls me at all hours of the day a minimum of XXXX times PER DAY! I have asked them to stop all communication and the ftc will fine them XXXX per call and they STILL continue! I have very bad XXXX issues and it makes me very angry to the point of insanity.
Product: Credit card

Due to repeated customer service issues and payments not being credited correctly despite being listed as posted, discover is refusing to credit my bill with the posted payments. They repeatedly lie that it is returned for nsf. I have on average 1.5 to 2x the entire limit of the card in my account at any given moment. they keep cancelling my autopay. 

Customer service has repeatedly treated me like an XXXX at both the first and second levels of support.