23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

Upon pulling a credit report I discovered this account and have written XXXX separate disputes between XX/XX/XXXX- XX/XX/XXXX. I have received two letters back showing original creditor and amount owed without proof of account such as identification or signature that belongs to me. Upon calling today XX/XX/XXXX I spoke with XXXX different representatives and still no resolve. I refused to verify any information due to the account not belonging to me. I also repeatedly asked for the procedure that I need to follow to get his taken care of. I was told that I could not be helped unless I was willing to verify my identity. I was also hung up on after trying to get the proper information for 14 minutes. This account is fraudulent and I have repeatedly expressed this to the company. At this point they have not helped me and this is something that is not only damaging my credit but also preventing me from purchasing a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did n't use proper security in order to protect my credit information from being stolen. I now have to spend {$10.00} dollars at every credit reporting agency to freeze my credit and because of my states laws {$12.00} dollars every time I unfreeze my credit report. I 've lost Time + Income due to this malfeasance, this is  something I have no power over.
Product: Credit reporting or other personal consumer reports

I filed an identity theft report. please see attachment.
Product: Credit reporting or other personal consumer reports

I reached out to XXXXXXXX XXXX XXXX about a collection in the amount of {$790.00} in XX/XX/year>. I have never purchased anything from this company. It appeared on all 3 credit reports and it has a negative remark. This debt does not belong to me. The company has not responded to me after I asked them to remove this false report.
Product: Student loan

In XX/XX/XXXX, I initiated a consolidation and refinance of all loans from Nelnet ( {$100000.00} ) to XXXX XXXX. XXXX paid off Nelnet in full, and I started making payments towards XXXX 6 months after the refinance. I have NOT taken out new loans or refinanced back to Nelnet. The last school loan I took out was in XXXX, for the loan I am trying to dispute ( XXXX XXXX ). I have their own records stating it was paid off. I have called them several times a month since it appeared on my Nelnet account in XX/XX/XXXX, and provided them the proof. They have laughed at me, gaslit me, and told me it is " showing as due so you have to pay us. '' I have given them their own documents as proof of it being paid, my XXXX contract, and even transaction history with the new lender showing that I was paying them. There are not statements past XXXX of this year for Nelnet, because it was paid off for so long. It showed as closed and paid off on my credit report for 3 years. Now I have the original loan amount plus interest ( almost {$15000.00} ) showing on Nelnet again. I have begged, pleaded, and spent HOURS trying to get someone to help resolve the issue. They have no proof I took out a new loan, they have no signed documents refinancing back to them, yet are claiming I owe them a second time. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

In XXXX of 2019 I applied for a forbearance on my Student Loans through XXXX XXXXXXXX who was the servicer at the time. XXXX assured me I did not have to worry about payments or anything else while it processed. Everything was fine until I realized that I have 90-120 day late payments reported to my credit although I have a letter from XXXX XXXX clearly stating that I was in forbearance during the time that I was supposedly late. 

During this time I had 17 student loan accounts which meant I had 17 90 day late payments which absolutely devastated my credit. 

I did dispute this through XXXX, Equifax and XXXX all of which said that XXXX came back and verified that the late payments were accurate which is incorrect. The multiple times I spoke to fed loan over the phone I was told this is something that needed to be dealt with through mail. I mailed them on numerous occasions and never received a response.
Product: Student loan

School : The XXXX XXXX College XXXX XXXXLocation : XXXX, MAIt is very difficult to make extra payments to just the principle of my loan. I wait until the day my monthly payment is deducted so the accrued interest is zero, or at its lowest. However, then there are additional challenges such as fees to make the payment instantly online ( {$1.00} ), a percent fee to make it over the phone ( for a {$1000.00} payment the fee was going to be {$49.00} ), or errors with their online fee scheduling program insisting I select that I am making the payment on behalf of someone else. While the fee for instant payment online was low, it was still present, and I would have had to call the loan servicer at a later date once the payment was processed to direct the payment to go towards the specific loan I intended. It was not until I sounded very angry and frustrated was I then told I could give them the confirmation code immediately to request the payment be applied to the loan of my choosing. It appears that my loan company intentionally creates confusing, extra steps and expenses to borrowers from being able to make additional payments, especially applied to only the principle.
Product: Checking or savings account

XXXX XXXX, has been the individual in charge of handling my complaint against First Horizon Bank. XXXX XXXX has answered many of the questions presented and has cleared the air on whether there was a Paid-On-Death benefit for XXXX XXXX by sending copies of the Signature cards. Now, the only unanswered questions are : Where is a copy of the Court Appointed document the bank say they used to freeze my bank account and take money from it? And, where is the copy of the second, Power of Attorney? And, where is the stamped received date on the Death Certificate? You see the only way to get the correct answers about the dates in which the bank say they received those items is to have the bank submit their copies, as they did when they submitted the bank 's signature cards on the Paid-On-Death ( POD ). All of these records, the court-appointed order, the second Power of Attorney and the death certificate are public records. I already have a copy of the second, Power of Attorney and the death certificate, but none of the requested items have the bank 's stamped and received dates. These are the items that are being requested : 1 ) Court-Appointed Order 2 ) 2nd Power of Attorney 3 ) Death Certificate all with the bank 's received dates.
Product: Debt collection

This disputed collection action came about ( late 2020 ) as a result of XXXX XXXX 's desire to punish a long-term customer for demanding a termination of service. No contract existed at this time. When I was notified through email ( not in writing ) that there would be a nearly 100 % price increase to {$140.00} ( partially through lost or expiring discounts and credits ), I immediately called customer service and requested termination of service. This termination request came within a few days of the new billing cycle encompassing the price increase. I requested that the service be cut immediately so that they would be owed nothing. They failed or refused to cut the service when requested. This verbal notification was supposed to have been recorded by them for training purposes. In the so called investigation by XXXX and the collection agency, no attempt was made to recover the recording-obviously, the facts must not get in the way. 
XXXX has turned this over to collections, and are attaching my credit report.
Product: Debt collection

Monarch recovery keeps calling me. I've told them to cease and desist, and have blocked their numbers. They keep calling with different numbers
Product: Money transfers

I received some amount on my PayPal account. At first they claimed that money was fraudlent activity so they requested that I provide a copy of the utility bills, telephone number, bank statements, and source of the funds so that they could validate my account. They have declined to read and to read the information which I provided. They have closed my account and claimed that the case can not be appealed. The sender has sent an email to them explaining the purpose of the transaction but they have not changed their decision.
Product: Debt collection

Portfolio Recovery Associates sued me in Colorado court without proper notice of a court date or verifying the credit card debt. They told me it was a valid debt and I had to pay. I ended up paying something like {$5000.00} to them since they garnished my wages and I just saw the CFPB article about Portfolio Recovery Associates illegal activities by XXXX so I want my {$5000.00} refunded.
Product: Credit card or prepaid card

This credit card automatically enrolls customers in a Security Fee, that is 1.66 % of each monthly statement. The paperwork for this card, and their website, both do not mention that customers are automatically enrolled ; they instead call this an optional fee. I have read through my paperwork from when I activated this card in detail, and there is no mention of this fee being something customers are automatically enrolled into ; instead, it is called an " optional '' fee. I only noticed because I was being charged a " security card '' fee each month. It seems all users are automatically enrolled, as I have found comments of others ' complaints on online forums. 

For example, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' the amount of {$11.00} ; on XX/XX/2022, I was charged {$17.00} ; and on XX/XX/2022, I was charged {$34.00}. 

I believe this is deceptive, and it is not fair for them to automatically enroll us in a paid service and charge us fees without our consent and without customers ' prior notification. The only way to gain knowledge this is to be charged. The only way to waive enrollment in this fee and " service '' is by calling them ; there is no way to do so on their website. Their customer service makes it very difficult to drop this " service, '' as they transfer you to multiple other numbers, with long wait times. They also refuse refunds for fees recently paid.
Product: Payday loan

I was making payments on a returned check and working with manager of Advance America. Another employee from a different location verified funds and took my check to the bank and picked up {$630.00} out of my account. I did not owe that amount because I had already paid {$300.00} on my bill. She never admitted to making an error and refunded my money of payments. Money was taken from me when I did not authorize it nor expected this to happen. I did not owe that amount and want an investigation in XXXX, SC. When company takes your money it forces you to write another check to get your money back. I was trying to pay out of debt instead of starting back over. Snatching cashier 's check from someone 's account replaces Company 's money. That is what is cycle of debt where you have to be trapped when your money is gone how you going to pay your other bills or live until you get paid again. This is so unjust that I hope a closer look is taken for customer 's views instead of company paying lobbyists for laws to allow such treatment to people of our USA. The money made from this big company Advance America is a XXXX company. We advertise helping America when they take money from citizens and give to XXXX. How dishonest is this world? Using poor people to pay for other 's wealth is morally wrong. Most people with money have savings to go to in time of need. Poor people use payday loans ca n't afford to leave money and not get it back. There has to be an end to this cycle of debt. Help!
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Mortgage

Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, SC XXXX This mortgage company is refusing to recalculate my mortgage ( AKA Preform an escrow analysis ) after a tax exemption was applied to my property. I began notifying the company of the exemption on XXXX or 2024. I have called and submitted any documents requested and even wasted my time in getting a tax estimate from the County Tax office in XXXX. Its now XXXX and they for sure have received the official tax bill from XXXX XXXX and still the company is refusing to update my escrow and or is holding the over payments of funds in my Escrow account for more than two months which I believe is against federal law and or regulation.
Product: Credit card or prepaid card

In early XXXX of 2019, I signed up for the Chase XXXX credit card. They advertised a free " Companion Pass '' for the rest of 2019 when you spent {$4000.00} in the first 3 months of the card. The Companion Pass allows your designated companion to fly with you for free on XXXX. I follow-up with Chase 's Executive Office and they sent me the attached email confirming the promotion. 

By the end of XXXX, I have met all of the conditions by Chase. See the attached screenshot of my XXXX Chase statement. The balance has been completely paid off. I've sent multiple emails and have not received any written replies since the email from XXXX XXXX on XX/XX/XXXX. I've called multiple times and both Chase and XXXX state I'm not eligible for the Companion Pass reward. 

I recently received a call from Chase stating that I did not qualify for the Companion Pass. I asked them if they saw the email from Ms. XXXX from XX/XX/XXXX. They acknowledged the email but stated that I am still not entitled to the pass.
Product: Checking or savings account

On Saturday XX/XX/XXXX {$1800.00} was stolen from me. I was walking in XXXX and three guys stopped me to talk about some basketball charity. I was going to walk away but they talked me into sending them money through XXXX. My face ID logged me into my bank of America app and they snatched my phone out of my hands and proceeded to withdrawl all the money from my checking account to theirs through XXXX. I had to fight to get my phone back but there was three of them and by the time I got my phone back they ran off and all the money was already withdrawn. 

Because it was a XXXX transfer the transaction was automatic. I told the police right after it happened, but as I was filling for fraud on the phone XXXX  got up from their spot and left. I reported that they didn't help me 10 days later to 3 other police officers while I was filing for a police report. 

Before I filed for the police report my fraud claim went through and was denied. BOFA said that I verified the transaction because of the verification number that's required when making the transaction and the fact that I didn't have enough evidence to prove that my phone was stolen. 

After I finally got the copy of my police report I sent the complaint number and pdf of the police report sent to me by a detective that was working to solve similar zelle scams. However they sent a letter to my home address stating that they could not give me back my money because I verified the transaction due to the vertification number. 

There's a couple errors in their judgement. When BOFA sends the verification number it's easily accessed because it shows up in the keyboard on top where the autocorrect function sits, so all the user has to do is press one extra button. Another flaw is the fact that my phone was unlocked and in the hands of the thief who was joined by two other men. They aruged I didn't have evidence, but I sent a whole police report to them which apparently wasn't good enough. 

The crime is considered grand larcency due to the amount that was stolen. I am a college student and all the money they took from me was from my first paycheck from my internship. I had less than XXXX dollars in my account before that paycheck. Becuase of what happened I've needed to pick up an extra job in order to recouperate my loss, and dealing with the whole situation has been very stress inducing during my upcoming school year. 

BOFA customer service also promised me they would follow up on me after 11-14 days of me reopening my case if they hadn't already solved my case and give me all the money that was stolen from me back in the form of credit. This never happened. 

To reiterate, here is a summary time line of what happened : 1. I got stolen from 2. I filed for fraud 3. My claim was denied 4. I filed a police report 5. I sent the police report 6. I wait for a few weeks 7. they deny my claim again
Product: Mortgage

I was declined for a short sale when the loan transferred to Selective Porfolio Servicing Inc in XX/XX/XXXX. The company claim the short sale was declined because the buyer did not meet the $ XXXX, the company BPO had as the value. We requested a full interior appraisal this was not completed until XX/XX/XXXX .The amount came back at $ XXXX which met the company standard. The FCL sale date was placed on hold and we submitted another short sale packet on XX/XX/XXXX. The file was reviewed and returned for missing documents on XXXXTthe 3rd party send the missing documents on XX/XX/XXXX. Myself and the 3rd party called once a week and agents told us the file was being reviewed. On XX/XX/XXXX a supervisor apologized and explained they never looked at the file because they did not realize they had the missing documents. This is 2 weeks without reviewing a file. They asked for more missing documents on XX/XX/XXXX we sent the missing documents on XX/XX/XXXX. We sent a updated HUD and HOA, There is a cash buyer and we understand the appraisal will expire if we do not get the file reviewed and approved ASAP. We called again and the agents kept saying the file is being reviewed. On XX/XX/XXXX They claimed they received all documents but it takes 30 days to give a approval. I explained time is of the essence. Due to the fact the appraisal is expiring and every month the HOA bill goes up. NO SHORT SalE takes 30 days to be reviewed if they have all documents. I spoke to a agent today. She said they need a updated HOA again after we sent the company 3 since XXXX They want to order a BPO because the appraisal is expiring. This company want to send me in foreclosure when I have a cash buyer and have been doing what is asked of me. I have spoke to agents from the company once a week you can check the notes. I have emailed the documents several times and the company is not reviewing the documents. Spoke to a agent today she asked for a updated HOA. I explained we sent on XX/XX/XXXX she reviewed it and said she will send to underwriting. The company was sitting on the HOA statement they requested for over a month it is XX/XX/XXXX.
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 & confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : 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 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus never did a proper ''investigation '' according to the FCRA XXXX 


Th term ''investigation consumer report '' means a consumer report or potion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated the law because according to 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 I did not give nobody written instructions
Product: Credit card or prepaid card

This is in regards to my Discover credit card. It has a limit of {$7400.00}. My current balance is {$7200.00}. My total credit card debt is over {$15000.00}. I am currently unemployed and I am pursuing a different career path to better take care of my family. I have a son who is almost XXXX and a fiance. At my previous job of 6 years I was only making {$16.00} per hour or about {$35000.00} per year which ended in the middle of XX/XX/XXXX. I am currently cashing out my 401k to pay off some of these debts which is about {$18000.00}. Most of this debt came from the past 3-5 years. After our son was born, my fiance, did a 2 year XXXX XXXX at a local XXXX college. I paid for almost all expenses while she was in school. We didn't qualify for anything more than XXXX ( in Wisconsin ) as secondary insurance for our son. This kind of economic condition resulted in my current situation. I will take part responsibility as I could of been more careful with money. Back to Discover, I had submitted a secure message on XX/XX/XXXX through their website under the topic of " credit assistance request. '' Asking for help to remedy my situation and that I was exploring bankruptcy options at this time. I also included some details on my situation such as currently unemployed. I also opted out of automatic payments through this same message. The payments are scheduled on or around the XXXX of every month. I requested that the email me or send a secure message through the site and that we could schedule a phone call as it would be easier for me. These automatic payments have been going on for over 3 years now for the minimum payment amount. To my surprise, they still haven't gotten back to me and it's a good thing I had enough money to cover the payment from my last paycheck.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file.The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit.Please delete the items as soon as possible.