23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

BANK OF AMERICA  WO N'T STOP HARASSING M E!! Ten years of torm ent over flood insurance. I filed a complaint a few months ago. Now I ca n't log in. They continue to tell me I dont have flood insurance. Now they are telling me it 's not sufficient even thought I purchased it for exact amount they told me to purchase in writing. I was told verbally over the phone ( because they refuse to put anything in writing because they know it will come back to haunt them because they are such a mess ) that it was resolved. Then days later in another call I was told they are still working on it. Then I come home from a vacation to a stack of letters with it all starting over again telling me I dont have sufficient insurance. This has to stop. They have done this to me for 10 years. Are there any class action suits I can join. Can I get legal assistance to stop this insane harassement from the most messed up company on the plant. This is taking a toll on my health and it must stop. Who is going to come down on them for this kind of thing that goes on and on for years? This is serious and I want help.
Product: Mortgage

I have been incorrectly charged in the amount of {$2300.00} for force-placed homeowners insurance when I already an insurance policy, for which I have provided copies of policy both via emails to XXXX and attachments on your company website. Here are the dates that I have provided proof of insurance to the company : XX/XX/2021 An e-mail that includes a screenshot of acceptance of insurance policy on your companys website. 
XX/XX/2021 An e-mail that includes proof of insurance that covers XXXX through XX/XX/2021. 
XX/XX/2021 An e-mail that includes proof of earthquake insurance. 
XX/XX/2021 An e-mail from our insurance agent with a message from one of your representatives stating that forced placed was resolved. 

A letter to Network Capital Funding Corporation was sent on XX/XX/2021, requesting for this error to be corrected and the insurance bill to be refunded. I have not received a response to correct this error.
Product: Credit card

I have a Chase XXXX Visa credit card, which I 've had for a few years now. On the card anniversary, Chase promises to give the cardmembers a hotel award night, which is placed in the cardmember 's XXXX account. My anniversary was some time in the fall of XXXX, and I did not receive my hotel award. I did n't realize that my award was missing until XXXX of XXXX, at which time I called both Chase and XXXX on various ocassions asking for my hotel award. XXXX companies blamed the other company for the issue, but eventually Chase sent me a letter indicating that I should have my award within 10 business days from XXXX XXXX, XXXX. It has now been approximately 40 business days since XXXX XXXX, and I still do n't have my award.
Product: Debt collection

I had my credit frozen from XX/XX/2021 until XX/XX/2021. I unfroze my credit so that it could be run because I am in the process of renting a property. On, XX/XX/2021 I realized my scores were low and started to read my credit report. I found that there was a Collection Account originated from XXXX XXXX and going through Credence Resource Management for {$840.00}. It shows the account # XXXX was open on XX/XX/2021. This is complete fraud as I never even heard of XXXX XXXX or Credence Resource Management. I was never contacted and my credit was frozen during that time. I have contacted XXXX and will contact XXXX and also Credence Resource Management to report this fraud.
Product: Credit reporting or other personal consumer reports

Certainly! Heres a revised dispute letter requesting the removal of the overdraft fees from your credit report : -- - [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX Subject : Request for Removal of Inaccurate Information from Credit Report I am writing to dispute inaccurate overdraft fees reported on my credit report related to my XXXX XXXX account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request the immediate removal of these fees, as they were incurred due to delayed transaction postings and are unjust. Please investigate this matter and correct my credit report accordingly. 

Sincerely, XXXX XXXX
Product: Debt collection

Hello im not sure if I chose the correct category that gives insight on my issue. Im having issues with XXXX XXXX. I tried disputing the company because I'm not quite sure what loan this debit collectors is working with, and when i tried calling a year or two ago the customer service representative was rude and nasty so the call ended before information was ended. I have not received any mail stating what, when and how this loan came about. The account state that it was open in XX/XX/XXXX and i never opened opened an account in XX/XX/XXXX, I'm listed in public records now as of XX/XX/XXXX and i never received notice. I tried disputing this company and that didn't work, the amount owed is $ XXXXon one report. I do have debt from XXXX that im trying to get removed for identity theft the initial amount being {$300.00} and with late fees {$420.00}. I initially thought that these two accounts were the same, But the amount is different. As of XX/XX/XXXX they have listed that i have paid on this account and i never have!! Isn't this fradulent! I tried disputing it again today from credit karma and it's not going through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a modification on my mortgage with XXXX XXXX. I had to make three trial payments as follows : XX/XX/XXXX {$3200.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00}. 

The modification then detailed that the actual mortgage payments of {$1200.00} would start on XX/XX/XXXX. I have the copy of the modification package. 

Being that this left XXXX without a payment, I decided to make the regular payment of {$1200.00} anyway so that there would be no lapses in payment. 
Check XXXX for {$1200.00} Mailed on XX/XX/XXXX ( I have the XXXX receipt ) Cleared my bank on XX/XX/XXXX ( I have the copy of the cleared check ) I then discovered that XXXX Servicing reported me to the credit bureaus as being late in XX/XX/XXXX. I called and spoke directly with the account manager and explained this to him. I also submitted my proof of payment, showing the cleared check and the postage receipt. They did not correct the reporting. I called two more times and spoke with other XXXX XXXX personnel, who also stated they considered the payment late. I then filed a direct dispute and provided the cancelled check and the postage receipt showing the payment made and cleared in a timely manner and the credit bureaus also contacted XXXX and after getting their response, left the late reporting on my credit. 

I have been working very hard to repair my credit in order to refinance a very high loan on another property and am unable to do so because my credit score is  very directly impacted by this erroneous reporting. I have tried every means to get this corrected and can not get it fixed.
Product: Credit reporting, credit repair services, 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 Then and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent XXXX TransUnion and XXXX a letter to perform an investigation and review the accuracy of the account, XXXX XXXX XXXX. I am still seeing a monthly payment on a closed account and moreover, they re-aged the closed date and are reporting both on time payments and " repossession '' on my credit file. This information is misleading and inaccurate because they should not be reporting anything on my file after the account has been closed. Due to their negligence, i am now asking that this account be removed from my credit report because no notice of dispute was entered on the remarks section which violates my rights as a consumer.
Product: Student loan

This is a follow up from my previous complaint which led to 0 change. 

I live in XXXX. 

First, I was told by a Navient customer service representative that I would have no problem making payments from a foreign bank account. I then shifted all of my money to my account in the country where I live. I then found out that autopay is in fact impossible without a US routing number, which actually increases the amount I need to pay. Bad information fro Navient. 

More recently, I made the decision to come off of my income driven repayment plan based upon two emails I received from Navient that said quote : " On XXXX/XXXX/XXXX, your Monthly Payment for your loans enrolled in an Income-Driven Repayment ( IDR ) plan is set to increase to {$160.00}. 

This is the maximum amount you 'll be required to pay each month while you 're in an IDR plan, but you may be able to lower your Monthly Payment if you qualify for a new XXXX partial financial hardship period. '' XXXX was certainly a payment that I was able to make, so I let my IDR expire only to see that my payment was indeed quite a great deal more than XXXX. Bad information from Navient. 

Furthermore, calling Navient to actually make my payments continues to be nothing short of farcical. First, I need to call either from XXXX which is unreliable, or from a landline in XXXX which is costly. Then, each time I speak to them, I have to go through the same song and dance about the phone number they have on file ... .I mean this most recent time must have been the XXXX or XXXX time I have been asked to verify if my phone number was still one from when I lived in XXXX XXXX which I have n't lived in for nearly a decade. 

What kind of nonsense is this? What is happening to the up to date information that I have repeatedly supplied them? Why is it that they can get away with such persistent incompetence, especially given the fact that this incompetence has more than once caused me financial stress and hardship? I also ca n't help but feel that Navient 's payment system discriminates against people who no longer live in the USA, making it nigh on impossible to simply make a payment.
Product: Checking or savings account

I had a non-recourse business loan and the company filed a lawsuit in NY. I reside in Florida. 

Florida law states that a judgment must be filed in the County the debitor lives as a foreign judgment and this was not done. XXXX XXXX is where my XXXX  is located. I was also never served. The merchant cash advance loan company filed in NY to make sure I was unaware and they never served me. 

Navy Fedral froze my account during the Florida hurricane totaling {$2500.00} which left me stranded due to evacuation. This obviously caused massive stress during a life threatening hurricane.

I would like my funds released based on Florida law, and reviewing the court site which shows there is not a foreign judgement filed.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX 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. 


( XXXX XXXX XXXX XXXX XXXXXXXX ) 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

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$970.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$480.00} XXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ======EQUIFAX : XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$970.00} XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$400.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$970.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX According to FCXXXX XXXX XXXX XXXX a ) the CREDIT REPORTING AGENCIES shall remove any items 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  Account name : DEPTEDXXXXT Account number:XXXX  Account name : XXXX  Account number:XXXX  has violated my rights. Or list of inquiries 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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

The 'do no harm ' decision to place SAVE borrowers in a mandatory forbearance they can not leave DOES harm a large section of public servants, especially those of us who should have been granted PSLF forgiveness in this time period. The buyback program is supposed to be our way out, but it is not being serviced or processed. 

I have worked in public service for XXXX months, XXXX more than is required for PSLF, but because of the inaction of the Department of Education, I have no recourse or avenue to forgiveness. Every month they refuse to process my buyback request is another month I do not have the option to leave the public sector for a job that pays market rate. This is a form of harm. 

I am stuck at XXXX qualifying payments, though there are XXXX qualifying employment periods, or a total of XXXX eligible for buyback once the XXXX for XXXX is processed. 

I was placed into the SAVE forbearance in XX/XX/year>, which does not count toward PSLF. I immediately attempted to switch to another IDR plan so I could keep making payments, submitting forms in XXXX and XXXX. I was just informed, after waiting XXXX months, that one has been rejected, and the other has not been processed. 

After not hearing back, I submitted a buyback request via the reconsideration process on XX/XX/year>. Notably, there is no way to track the status of this process, and I was just given a case number. This request has not been processed, though official letters have listed the expected time frame to be " up to 45 days. '' So, to sum up, I was moved from the REPAYE program to SAVE without requesting it. Then my loans were placed in a forbearance I CAN NOT LEAVE. 
I can not make payments. 
I can not switch to another payment plan. 
I can not get buyback to make payments. 
There is no indication of when this SAVE forbearance will lift.

I earned PSLF forgiveness months ago, but the Department of Education, through their mismanagement and lack of action, is making what was promised to me before I entered public service impossible to attain. Had I instead worked outside of public service, I would have been able to repay my loans many years ago because I would have been paid at market rate. Fulfill your promise.
Product: Student loan

I attempted to have my student loans consolidated back in XX/XX/2009. When I did consolidate them, A new loan appeared on my credit report. When I consulted to new loan company, they did not see the loan that I was speaking of. I then called the department of education and they told me the loan that was added was paid in full and should not be collected from anyone. Well, Navient is refusing to adhere to that and are collecting on this very loan as I type this. I paid on it again today. I have produced the evidence from The Dept of Education and they have still refused to delete this loan or repay my funds. I need help. The dept of Education has proven that this loan is a XXXX balance.
Product: Prepaid card

I am unable to use my AmEx gift card anywhere. It gets declined at every merchant, can not be added to a digital wallet, and they won't send me a physical card so that I can use it in stores. 

In addition, charges have been made to this card by someone other than myself- so the card that won't work for me has somehow been stolen and used successfully by someone else. The vendor will also not look into or resolve these fraudulent charges, or send me a new card so that it won't continue to be used by someone else.
Product: Mortgage

My husband passed and I was making the payments and then one day Wells Fargo said that I couldn't make payments for him anymore so I was still trying to give them payments so I can keep the house then they start saying I couldn't refinance and I kept telling them I could still make payments but they didn't want to talk to me because I was not on the mortgage I was on the d but not on the mortgage payments if I can't have my house back I would like to get some of the money that I invested in trying to keep the house by making payments that they kept and to access my husband 's savings account I couldn't get into it neither
Product: Debt collection

No negative information should be furnished to your credit report without your lawful authority. Committing unlawful extortionate means such as furnishing non public personal information i.e.Late payments, charge offs, etc. can get a creditor 20 years for violating 18 USC 894. 

XXXX XXXX XXXX XXXX TEMPOE XXXX
Product: Debt collection

I have been trying to dispute this collection. I attempted to verify debt with company and they only sent a copy of a bill which is not verification, failed to verify debt the amount of XXXX was paid for a totally different bill
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I sent a letter regarding inaccurate and unknown inquiries on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage f and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authority, used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for furnishing this unknown account on my credit report. This information has caused me to suffer monetary losses and defamation of my character.