23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Around XXXX of XXXX a home equity loan was taken out in my name by my now ex-wife for her business. I became aware of the loan in XXXX when the loan should have been paid off but was in default. I received a call from USAA stating that the loan was in default and I needed to make payment arrangements. I told my ( then ) wife about it and she said that she told me about it ( which she didn't, she told me of another loan taken out for the same amount through XXXX XXXX ). She was able to set up payments. Fast forward to XXXX ( we divorced in XXXX ), I went to the courthouse to file paperwork and it was suggested that I check to see if there was any information on my home. I uncovered falsified documents, signatures ( notarized ), and information regarding the loan. I have contacted USAA several times over the past few years and since then my ex wife stopped paying on the loan. I have been paying the loan myself to keep my name clear with USAA but they have done nothing to date. I have evidence that completely puts USAA at fault for somehow letting this loan go through.
Product: Debt collection

I did not know I had a collection from Allied Collection Service until I received a notification of a negative item. I contacted the original debt owner XXXX XXXX and the balance was lowered to $ XXXX after I returned the rental equipment. Today I called Allied Collection and was informed my balance is $ XXXX due to interest charges. I said okay and would like to pay it in full but would also like a pay to delete letter. The man I spoke with informed me of my options to obtain this pay to delete letter - pay over the phone and wait XXXX days for the letter to be mailed or come to the office to pay in cash and receive the letter right away. I told him I would pay in cash at the office to get the letter today and I will be there within the hour. However, when I showed up the lady at the desk said that they dont do pay to delete letters just paid in full and the man I spoke with would be reported to the supervisor. I told her that he made a verbal agreement over the phone and I want to speak to someone but she said there is no one that I can speak with. This is the problem with these collection agencies where they make false statements over the phone just to collect on a debt that they do not own.
Product: Credit reporting or other personal consumer reports

I disputed this account on XXXX because I was under the impression that the account was CLOSED on a recorded phone call and was told that the dealership would was told to return the check immediately, but later found out the bank rep, coerced the dealer at the dealership to do otherwise. In which case has caused me and my business financial hardship
Product: Prepaid card

I called American Express Customer service, XX/XX/2024 because my gift card has been declining everywhere I try to use it. I called asking why my card keep declining, and they just told me the balance on the card and that it was active. They said it would be " fixed '' but the card is still declined everywhere. Anytime I try to use it, the checkout says the card has been declined and when I try the " Check Balance '' on American Express Gift Cards website, it charged me {$.00} for " Pending Transactions. '' I still have money on my gift cards, so I do not understand why this is happening.
Product: Credit reporting or other personal consumer reports

XXXX AND TRANSUNION WONT GIVE ME MY CREDIT REPORT. HAVE NOT SEEN MY CREDIT REPORT IN YEARS
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters about this issue over 30 days ago, I have yet to receive a response or satisfactory validation. I would appreciate your assistance in resolving this matter promptly and effectively.
Product: Credit card or prepaid card

The company issued me a credit card in XX/XX/XXXX/XX/XX/XXXX and regardless of the fact that I never made any late payments or missed a payment, never went over my credit limit, and continually carried a balance, they decided in XX/XX/XXXX to close my account. They never advised me of this fact and the only way I realized my account had been closed by them was to try to use my card and have it declined at which point I contact them and they advised they just decided to close my account. Couldn't provide a reason and refused to re-open the account. Interestingly enough, I have a cash reward balance on my account of {$39.00}. Redemption of cash rewards is done in {$50.00} increments, so basically they closed my account just shy of me earning a cash reward of {$50.00}, which I could redeem to my account balance. When I originally called to inquire why my card was declined, and inquired about the cash reward balance that was just shy of a redeemable amount, I was advised I could be transferred to someone who could help get whatever my current balance was credited to my account, but I was already late for work and said I would have to call back to handle that. I called back today and two different associates ( one supposedly a manager ) pretty much laughed and me and told me too bad, I would never be able to redeem the cash rewards until they equaled {$50.00} and since they closed my account it would never happen and too bad I can write a letter if I don't like it. Yet, they still expect me to make my monthly payment after they didn't have the decency to send me a letter that they would close my account or anything. These are reprehensible business practices -- - preying on consumers and closing their accounts just in time to stop them from earning or using additional rewards.
Product: Debt collection

I never owed a debt to XXXX XXXX university. I canceled enrollment way before the refund date and therefore never owed them money. More than a year later I received a call from coast professional to pay the debt which I don't owe. I explained how I didn't owe it to the representative and she agreed to look into it. I never heard back from coast professional after then. Almost 6 months later I received an alert from my credit report saying a derogatory account was added from coast professional. I was given No warning and I was under the impression everything was taken care of. The results have cause credit card to lower limits and raise interest rates. I intend to sue.
Product: Debt collection

This debt was placed on my credit file without prior notice. I have disputed this alleged debt requesting that your company provide me with validation of this debt. Your company has failed to comply. If you can not validate this debt, I demand you to remove this debt from y credit report. This is causing damage to my reputation. I have read FDCPA and come to notice that you are violation of many of my federal protected consumer rights. I also did research on the company and in many cases you all were sued for this very same reason that is in violation of my rights. I demand you remove this account from my credit/consumer report immediately. I have enclosed proof that no debt is owed.
Product: Checking or savings account

I am trying to link my bank account with XXXX and XXXX on XX/XX/20. Both use XXXX   and I have spoken with a PNC rep but they explained why they wont allow XXXX to link to my bank account. And suggested I reach out the the companies to have it linked because they said all they need is my number on file to alert me of suspicious activity. I spoke with both XXXX  and XXXX  and they said they cant do anything unless PNC gives me permission. Obviously PNC wont allow me to link my account. I just wish I had more autonomy over MY information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea who this debt collections company is that bought some debt and says it was mine. Ive told the the company over and over again it got deleted and reappear. I have been trying with the credit reporting agency to get this removed and they have not been responsive to my request. 

Several police reports were sent to Experian in the past they continue to allow this company to ruin my credit. 









Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$810.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$810.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$810.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history 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 Collection Payment history guide Collection as of XX/XX/XXXX to XX/XX/XXXX Historical info Original creditor XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info The original amount of this account was {$810.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Comment Current : Completed investigation of FCRA dispute - consumer disagrees. 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting

I got my free annual credit report. I has just XXXX companies with their credit report ; XXXX AND XXXX but not the EXPERIAN. I need the full XXXX companies reports and now I will pay Experian in order to obtain it because it is listed in thre free credit reports but it is not included.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, See attached FTC REPORT, Forms of Identity, and utility bill. Remove the following accounts per 605B of the FCRA.
Product: Mortgage

Hello, I have inquired on several occassions to Freedom Mortgage about removing the PMI from my loan based on the amount of equity in my home. Most recently the young lady I spoke with stated I was unable to do so as the laws had changed. The last person I spoke with, a gentleman, went even further after I explained to him that when I bought my home I was advised I could have the PMI removed once I accumulated a certain amount of equity or 11 years whichever came first, he stated the law changed the year before I bought my home stating that you had to remain in the home for 11 years. 

I have also made an email inquiry regarding removing the PMI.
Product: Debt collection

I got a call from hospital personnel, about my survey and why I was not happy with my day nurse. I told her I told the nurse I needed formula and she wanted me the breastfeed and would not get me the formula. I told her I felt the nurse was shaming me for not wanting to breastfeed. 

She said since I was not happy with the service I got, that they would be waiving my copay I was not notified that they wanted be to pay, because of the agreement I did not receive any form notification that I was owing them. I was under the impression that everything was taken care off.
Product: Mortgage

XX/XX/23 - Letter dated XX/XX/23 received from Flagstar Bank that property was recently mapped into a Special Flood Hazard Area by FEMA. 
XX/XX/23 - Letter dated XX/XX/23 received from Flagstar Bank that I must provide proof of flood insurance within 45 days after the date of the letter. Letter also states that I do not have to establish an escrow account for the flood policy, as I pay my real estate taxes and homeowner 's insurance on my own and not through an escrow account. 
XX/XX/23 - I purchase a policy through XXXX XXXX XXXX XXXX for the maximum allowable limit of {$250000.00}. 
XX/XX/23 - I upload XXXX policy through Flagstar Bank portal. 
XX/XX/23 - Flagstar Bank purchases additional XXXX policy for my property. 
XX/XX/23 - Letter dated XX/XX/23 from Flagstar Bank stating that the flood insurance coverage they ordered on my behalf has been cancelled. 
XX/XX/23 - I contact Flagstar Bank to inquire why they have purchased an additional policy for my property. I am informed that, contrary to their letter dated XX/XX/23, I can not purchase a flood policy on my own and must establish an escrow account and the flood policy must be purchased by them. 
XX/XX/23 - Policy documents for Lender Placed Flood Insurance through XXXX XXXX XXXX XXXX received from Flagstar Bank. The policy was purchased by Flagstar on XX/XX/23 and back-dated to XX/XX/23. At this time I was notified by Flagstar Bank that I did not have 45 days to provide proof of flood insurance coverage, contrary to the information contained in their letter dated XX/XX/23. 
XX/XX/23 - Flagstar escrow account charge {$520.00}, the pro rata amount for coverage from XX/XX/23 to XX/XX/23. The annual cost for this private, lender placed policy is {$3600.00} which represents a premium which is 493 % of the cost of the same coverage policy through the XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, Thank you for providing this service. I am unable to get Equifax to unfreeze my credit report that I froze on XX/XX/XXXX. 

I tried to have to the freeze removed on XX/XX/XXXX, but the request was not fulfilled. 

I tried again by raising a CFPB complaint on XX/XX/XXXX. I attached documentation including my electric bill, drivers license front and back, letter confirming my residency from my apartment manager, the credit freeze reference number provided by Equifax when I froze the report. However, not only was the freeze not removed, but there was no clear indication why. 

I can only assume that Equifax wants more information. In my new complaint, I have included : my electric bill, drivers license front and back, letter confirming my residency from my apartment manager, the credit freeze reference number, plus my social security card and a bank statement from my new checking account. 

I successfully removed the credit freezes I placed on my Trans-union and Experian accounts by providing the freeze references on XX/XX/XXXX. 

" God grant me the serenity to accept the things I can not change ; courage to change the things I can ; and wisdom to know the difference. '' Kind Regards
Product: Student loan

I chose to go to XXXX XXXX XXXX. When I applied for my student loans, it happened so quickly that I was n't even sure of what I signed. I was also told that through an XXXX program XXXX credit- I would have some, if not all, of my tuition reimbursed if I kept a grade level above XXXX which I did. That program then magically disappeared once I got in the door. I was told that ny student loans would go to XXXX XXXX and then they would be split between federal loan institutions. That did n't happen. Some of my loan when to XXXX XXXX, and the other part went to XXXX XXXX - a collection agency and private lender. Since they are a private lender, my interest rate is above 10 % and they refuse to work with you on lowering payments. This was a HUGE issue when I graduated. I called and asked when my first payment was due, and was originally told XXXX. a month later I received a call that my loan was in default and I had n't made my first payment that was due in XXXX. I explained that I had called and was told my payments were due in XXXX. They refused to listen to me, or work with me. I ended up owing over {$500.00} for my first payment with them because they refused to work with me. I could n't eat for a month because I had no money. 
This was above and beyond predatory lending on XXXX 's part and on XXXX XXXX ' part.
Product: Credit reporting or other personal consumer reports

Account with XXXX XXXX XXXX Account # ending in XXXX under XXXX XXXX ( XXXX XXXX XXXX ) auto loan was closed over a year ago. I have disputed this with the bank ( XXXX XXXX  ) as well as with the credit bureaus over a year ago and they are still being reflected as open on my credit profile.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 

XXXX XXXX XXXX Balance : {$10000.00}
Product: Debt collection

XX/XX/XXXX i was called from XXXX at Allegiance Accounting Services , LLC. Stating i owed a debt for a payday loan from XXXX. I simply asked for a " vaildation noticed '' to be sent to me. After i asked that question she started screaming at me telling me if i did not pay the debt now i would be summonds to court an procuscted. I simply asked for proof of debt in written an she agian screamed at me saying that this debt is past this point. And refused to give me any proof of this debt. Number they call from is XXXX!! Call them!!!
Product: Credit reporting

I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2009
Product: Checking or savings account

I am requesting ADP to close my checking account and they are refusing to close my account so that I am charged " inactivity '' fees they are sending me emails about.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX... I was approached, while at XXXX XX/XX/17 and was given their spiel on their services and I said I might be interested. He asked for my address and name. He said to check if XXXX was available in my area. Recently, I downloaded XXXX XXXX and released that XXXX did a hard inquiry on my credit. He never mentioned anything about running my credit. I filed a " notmycreditinquiry '' per XXXX 's advise. After reading a XXXX ton of complaints regarding this matter with no resolution, I am hoping your services will help. We are putting our house up on the market and will need to purchase another home and at this time I have " fair '' credit and want to eliminate any bad karma off my credit record on XXXX.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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. 

This company 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: Money transfer, virtual currency, or money service

In the beginning of XXXX, XXXX I applied for a job position with the description of being a personal assistant to deal with finances. I was sent a fake check by a fake employer and asked to send approximately {$2300.00} to XXXX XXXX, a supposed interested buyer for my " employers '' business, via Venmo. The whole transaction was a scam. I reported the incident to my bank and they reversed the fraudulent check transaction, however, Venmo still sent the money through and is now demanding I pay over {$2000.00} before they report me to credit bureau. I explained the situation to my bank, they spoke with Venmo, as well as to the police and filed a report. Originally, Venmo told me with the correct documentation they would reverse the payment, however they went back on their word and is now demanding I pay the full amount. After numerous emails they asked my lawyer contact their legal team. That message was sent XX/XX/XXXX of XXXX, they guaranteed a response within 10 days. However, my lawyer continuously called, sent multiple emails, contacted on XXXX, explaining of the unauthorized transaction and fraud, and gained no response until approximately two weeks ago. Which only goes to show their lack of care for these matters. I have attached Venmo 's response. This is not the first time a scam has happened with Venmo 's platform, I've been in contact with multiple others who state Venmo has easily reversed their transactions in a situation like this, not to mention XXXX XXXX, the person who aided in scamming me is still using Venmo 's platform. In fact, I was advised by The XXXX XXXX XXXX representatives to contact Consumer Financial Protection Bureau because instances like this are so common. I am a college XXXXt, soley paying for my tuition, I do not have {$2000.00} to pay, and I can not afford to jeopardize my building credit. I am asking for forgiveness in this situation, and understanding, this will not happen again.
Product: Debt collection

Radius Global Solutions have called my phone several time regards a medical bill that I dont know anything about. The charge is {$56.00}! I asked several time to verify that it was me and I havent received anything. They keep calling my phone and telling me that I need to pay this bill, lawsuits, garnishments etc. This is showing on my credit report.
Product: Mortgage

Nation Star Mortgage will not report my payment to all XXXX credit agencies every since my loan was transferred in XXXX they started reporting NO ACTIVETY in XX/XX/XXXX after I got a XXXX modification this has effected my credit scores badly. I have made all payment on time never late according to the contract. 
Nation Star is reporting the original loan amount on my credit report as being XXXX when in fact the amount was XXXX is the number I 'll go with be all my paper trail from XXXX say something different. Even with my modification the loan amount was XXXX ( the new principal blance ). they always have a bunch of lies to tell when you speak to someone that 's you know with common since is not correct. 
Nation Star is also still charging me XXXX a month PMI I been paying this 10 years now. they want take it off because they said I do n't meet the LVT and I need to pay XXXX more dollars on my balance.