23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am begging for someone to help me. I need help desperately with Loan Care. I went through XXXX XXXX and they use Loan Care for their mortgages. This issue has been going on for almost two years and I can not get any help. When I re-mortgaged with XXXX XXXX, I was set up for automatic payments to loan care. The first few payments went through no problem. Then a few months later, I noticed I had a lot of money in my account. I investigated my account and figured out that Loan Care stopped taking out my mortgage payment. I contacted them immediately ( about XXXX of XXXX ). I was told that I had to pay XXXX to catch up before they could take another payment from me. I told her I do not have that kind of money, but could pay a few months. She told me I had to pay the XXXX, first. I then found a company called XXXX XXXX XXXX and spoke worked with XXXX. I was told while they were working on fixing the issues that I would not be reported to the credit bureau ( which they did ). Finally in early fall everything was in place for me to start making my payments. I decided to pay through my bank since the last time they made the error and stopped taking out the money, mind you they never called or emailed me to inform me of the issue. So I made the XXXX and XXXX payment ( XXXX ). In XXXX ( XXXX ) I made another payment. I noticed that the payment was returned. I called my bank and they said that Loan Care put the money back in my account. I called Loan care and was told that I did not need to make payments yet. I told her that I made one in XXXX and XXXX with no problems. Why is there an issue with a XXXX payment. She said to make the payment in XXXX when they start. I did make my XXXX payment and XXXX payment ; they now have reported me again as no payment and charged me fees! I wrote them a letter to try to get my credit report fixed and to get my fees back! It has been almost three months and they keep giving me the run around. Last week I sold my house and the re-mortgage was for XXXX, at closing they took XXXX plus extra from me for all the fees and missed payments. I am very confused how they can keep doing this! I now can not rent a place to live due to the fact they have reported me as not making payments for over a year! I need help to get my credit clean up as well as get my money back for all these missed payments that are NOT my fault. Please help me. I recently read reviews of this company and so many people have issues with them. Please help me so we can stop them for doing this to others. I am at a loss at this point. I am so irritated that companies can do this and get away with it. I have owned XXXX homes and have NEVER missed a mortgage payment. This mess is totally their own doing and not one time have they reached out to try to contact me to let me know there was any issues. Please help me!
Product: Credit card or prepaid card

my name is XXXX XXXX My name and personal sensitive information was used to opened to credit cards with navy federal credit union. The cards was opened and maxed out and are now reporting negatively on my credit report. I filed a police report with the location it was opened XXXX police department. my police report number XXXX. The date the accounts was opened on was XX/XX/2017 and to this day of me reporting them its still showing on my credit report. I also have disputed the information with the XXXX and they still decided to report this fraudulent information on my credit report. The results of this fraud has also led to have my personal information as far as my address reported wrong and cellphone number as well
Product: Credit reporting or other personal consumer reports

On XXXX I call first premier bank to ask for a XXXX grace period due to the fact that I was getting retire and with the money I was receiving I wasnt able to pay for the month of XXXX XXXX XXXX and XXXX. The customer service representative told me that she was going to put my two credit card that I have with them on hold for those months so I didnt get any late payments fees and she said that I was supposed to be ok with that. She said that after I started having my retirement payments that I could start paying them. So I did what she said and now that I see my credit report I saw that they put me XXXX late payments on each card saying that I have late payments for XXXX days. XXXX late payments on the card that ends on XXXX and the other credit card that ends on XXXX. On the other hand they didnt gave me any paperwork for these agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED THE LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

To Whom It May Concern : I went to sign into my PNC Bank account today, and I received a pop-up reflecting that my on-line banking had been revoked. 
I spoke to various customer service representatives, and even used the chat feature, to find out why my on-line banking had been revoked. All I was told by several representatives was that my on-line banking could be revoked for up to 30 days while they are investigating my account. Not one representative could tell me why. I requested a call back from someone in the Investigation Department.

6 hours later, a Manager from PNC called me. Apparently, I was not allowed to speak to the Investigation Department directly. The Managers was very helpful. Although she did not know the answer as to why my on-line banking had been revoked, she was determined to find out. 
After being on the phone for 35 minutes with the Manager ( she was playing the middle person between me and the Investigation Department ), she found out why my on-line account was revoked. And here is why I deposited a 3rd party check into my PNC checking account, via ATM, with the payees signature and my signature as I was instructed by PNC. 
PNC then sent me a letter and a copy of the check and instructed me to take these documents into a PNC Branch and redeposit the check along with my identification and the payees identification. Therefore, the payee and I went to a PNC Branch and followed their written instructions.

The reason for the revocation of my account was due to attempting to deposit the same check twice. If the Investigation Department actually knew how to investigate, they would easily be able to tell that I was instructed to deposit the check again at a Branch with the Payee. 
Even though the Manager told the Investigation Team that I was instructed by PNC to redeposit the check, they werent listening. They had her tell me to go into a PNC Branch and show them proof that the check I deposited was made out to me. I told her several times, the check was not made out to me, hence the reason why the payee and I went into the Branch with our IDs as instructed. Its not like I was credited twice for the deposit.

I also gave them additional information that they didnt ask for. One, the payee of the check was my father, and I could send them proof. Two, the reason my father signed the check over to me in the first place was to repay me for the cost of my uncles funeral. My father did not have the money to pay for the funeral upfront, but reimbursed me with the life insurance check once he received it. 
At the end of my conversation with the Manager, nothing was resolved, and I was told again that my on-line account may be revoked for up to 30 days.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple XXXX XXXX regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section XXXX o XXXX states I have the right to privacy ( 15 USC 1681 ( section XXXX XXXX XXXX a section XXXX ( it also states a consumer reporting agency can not furnish an account without my written instructions under XXXX USCS XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit as late under any purpose
Product: Debt collection

They are making calls my job when asked not to do so. The last call was placed XXXX/XXXX/17. I work at a XXXX XXXX that does not wish to take these calls.
Product: Debt collection

I have been receiving 4 to 5 calls a day from Discover Finance, XXXX XXXX, for several months. They obviously have my name confused with someone else because I am current on all bills with a credit score of XXXX. I refuse to talk to them to correct their mistake.
Product: Credit card or prepaid card

Fees and even when payments were made at bank. Increase of credit limits without notice
Product: Checking or savings account

I was not receiving my monthly bank statements every month and the last statement that I got it was showing an overdraft due to monies debited by the IRS to repay a student loan. The problem is that Ive never had a student loan. I got proof from my university that Ive never had a student loan but the bank say that there is nothing that they can do. The lender is requesting XXXX {$300.00} in fees that they insist to collect from me. I got in contact with the IRS to resolve the situation. In the meantime, I requested the lender to stop the collection and reporting this negative issue to my credit profile but they insist in collecting the money that they erroneously sent to the IRS
Product: Credit reporting or other personal consumer reports

Im writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fait Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a responsible reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought light significant concerns regarding XXXX and Experian, CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX and Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. This reinvestigation has been done in 24 hours which is unlawful per FCRA. Furthermore, any information found to be inaccurate or unverifiable must be promptly deleted. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX and Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts XXXX XXXX XXXX 2. Provide me with all documentation used to verify the accuracy of the disputed information 3. Provide the chain of assignment 4. Delete any accounts that can not be verified or is inaccurate, as mandated by law Given the recent CFPB findings, I expect XXXX and Experian to handle this dispute with the utmost seriousness and compliance with legal standards. 
If XXXX and Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legal mandated timeframe. I expect written confirmation of any changes made for my credit file
Product: Credit card

I've consistently made sure that payments on this account are made on time, never allowing them to be overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, bankruptcy account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I have been scammed with a company called XXXX  i transferred money from coinbase to it but they did not take no action to help me out i lost XXXX the last time i sent money was XX/XX/2021
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX Spring Oak Capital XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Debt Validation Dear Spring Oak Capital, I am writing to formally request validation of the debt referenced in your recent correspondence dated XXXX. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt you claim I owe. Specifically, I request the following documentation : 1. A complete chain of assignment for this debt, which includes all relevant documentation showing how this debt was transferred to you. I need to see my name and account number on this document.

2. A bill of sale that includes my name and account number, demonstrating your legal right to collect this debt.

3. Evidence of permissible purpose as required under the Fair Credit Reporting Act ( FCRA ). Please send all requested information to the address listed above. Until I receive the requested validation, I ask that you cease all collection activities, including any reporting of this debt to credit reporting agencies. Thank you for your prompt attention to this matter.
Product: Checking or savings account

I am on Social Security and I get paid monthly on the XXXX. I opened a new account at So-Fi Bank about two months ago and requested that my direct deposit of my monthly check be changed to that bank. Social Security acknowledged my request and said it would be changed in XXXX. Before that could happen, I discovered So-Fi was not a good fit for me. I would pay bills from that account and they would reverse those payments and replaced the money back into my account - no harm, no foul, EXCEPT THAT MY BILLS WERE NOT GETTING PAID! I also receive a monthly payment into my XXXX XXXX  account on the XXXX of every month. So-Fi doesn't work with XXXX! These two revelations made me decide not to work with So-Fi either, so I transferred my money back to XXXX. I did not close the account because I had already transferred my direct deposit to them and the transfer process takes a long time. So-Fi posted interest to my account in the amount of XXXX so that is my listed balance at that bank. I again requested Social Security to change my direct deposit back to XXXX XXXX, and their acknowledgement stated that would take effect in XXXX, so after this MISSING payment, I will be able to close my So-Fi account. I contacted Social Security and they gave me a trace # for my payment and confirmed the payment had been sent to So-Fi. I contacted So-Fi and they claim to have sent the money back to Social Security because my account was " under review '' I was never notified of the status of the account and I can not afford to live without my Social Security! Four automatic payments have already been returned due to insufficient funds in my XXXX account, one of them being for my life insurance, which now faces cancellation due to non-payment of the insurance premiums. So-Fi is destroying my life!
Product: Bank account or service

I opened a new CitiGold Checking Account with Citibank in XXXX of XXXX under a promotional offer XXXX XXXX XXXX ) for XXXX XXXX XXXX miles after completing a number of steps. After completing all of the necessary steps, which included paying a certain number of bills and spending over {$1000.00} on the debit card, and receiving written confirmation that I had completed the requirements, Citi still has not deposited the miles into my account. They are currently XXXX days overdue per the written confirmation I received in XXXX of XXXX. I am submitting the complaint because I feel like I have been bait-and-switched into opening an account with Citibank. Though they keep assuring me the " issue has been escalated '', I do n't have faith that they will carry through on their side of the offer.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I file a dispute with both XXXX and Experian credit agency to have XXXX XXXX XXXX removed from my credit reports. I no longer owe a debt to this lender, and the balance is showing as a {$0.00} balance and closed account on both reports. I reached out to XXXX XXXX XXXX and requested for them to report to be removed from my account but was instructed to contact the credit agency to have it removed. I contacted Experian and they stated that the account is already showing {$0.00} balance. However I would like to get this account removed completely from my credit reports both XXXX and Experian.
Product: Debt collection

American Express needs to delete, remove and block this fraudulent account on my XXXX credit report. I did not open this account. Someone used my name without my consent. I will contacted the consumer attorney as well as writing my Attorney General Office regarding American Express reporting a fraudulent account on my credit report.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I mailed Experian a certified letter regarding the Fair Credit Reporting Act, section 611 ( a ) ( 7 ). I said that I was entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information and the telephone number of such furnisher. 

On XX/XX/18, Experian sent me back a form letter not providing me the required information.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach According to 15 USC 1681 Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX seems to think that my complaint is with XXXX so here goes. I have two student loans still on my credit report ( {$3400.00} and {$850.00} ) after my original student loans were forgiven by public loan forgiveness in XX/XX/2022. The Dept of Ed says I have a {$0.00} balance and that is reflected on my student account. The National student loan database says I have a {$0.00} reflected in their database and Federal Student Aid has written a letter that I will attach to this complaint that also says I have a XXXX balance. 

XXXX however believes differently and has taken it upon themselves to dispute my request to erase the two balances from my credit report. Instead they said that two multi million dollar companies tasked with the responsibility of transferring my student loans from one location to another was so incompetent in doing so that it is somehow my issue to solve and have left it up to me to fight for myself. Instead of looking at the evidence they are blaming you XXXX for not successfully transferring my loans. I have also attached a letter from FED Loan servicing that says that my loans were transferred but XXXX knows better than anyone, obviously. I have also attached a document with what I believe are the two loans in questions. Next to them you will see it says they belong to the DEPT of ED and not XXXX XXXX  so why is XXXX XXXX still reporting them? 

I have tried unsuccessfully to contact someone at XXXX. I have tried unsuccessfully to dispute these accounts with the CFPB and both credit unions because XXXX decided to write a letter claiming the loans are valid. I have included their response here. 
" Company 's Response The Office of Consumer Advocacy ( ~~OCA~~ ) at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX received your recent correspondence through the Consumer Financial Protection Bureau ( ~~CFPB~~ ) portal regarding the status of your student loan account serviced by XXXX XXXX. Please Note : XXXX conducts its student loan servicing operations for federally owned loans as XXXX XXXX on behalf of the U.S. Department of Education ( the Department ). In your inquiry, you requested that your XXXX XXXX account either be removed or updated to report accurately to the consumer reporting agencies since your account was transferred to XXXX. XXXX performed a comprehensive review of your account. This investigation included the review of all relevant account history and documentation, including any information you provided to us. Based on this review, we determined the information reported is accurate. Credit reporting is valid. The Department advised XXXX XXXX to report the loans as normal using the previous transmission prior to the transferring to XXXX on XX/XX/2022. XXXX will have to complete the merge of the tradelines in order for XXXX XXXX to no longer report the loans. '' Please assist me in removing these two loans from my credit report. 

Thank you
Product: Checking or savings account

In XX/XX/XXXX XXXX XXXX located in XXXX XXXX informed that they were closing the bank for good and that I would have to call in order to close my account and retrieve my funds. I contacted them several times until they finely sent me an online document to sign in order to retrieve my funds. They told me that a check would be mail within 10 days, but I never got the check. I contacted them again in XX/XX/XXXX and received the same answer that they will have someone call me. So I waited until XX/XX/XXXX and called them again and got the same answer. In XX/XX/XXXX they finely told me that a check was sent out and cashed. I asked them what address the check was sent to and who cashed it, but they refused to tell me. They told me that they would be issuing another check and that I would have to contact the fraud department. When I asked to be connected to someone in that department, I was hung up on. after making several more calls over the month I decided to contact the Attorney General Department. To this date, I have not received a copy of the cashed check or been contacted by XXXX XXXX.