23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Edfinancial last reported my loan on XX/XX/2022. On XX/XX/2022, my loans were transferred to XXXX. My Edfinancial account balance is XXXX ( I can't even log into their system ). Edfinancial has failed to report the XXXX balance to the credit reporting agencies since it was transferred in XXXX. Thus, it appears that I have outstanding loans through both XXXX and Edfinancial totalling approximately {$100000.00}, double the approximately {$50000.00} it should show ( I got word last week that my student loans were forgiven under PSLF but XXXX hasn't had time to update yet ). 

When I contacted them, Edfinancial tried to state that it only appeared to be open due to how tradelines are reported but an open account is not the problem. The problem is that my debt balance is double what it should me.
Product: Credit reporting

I disputed a collection account from portfolio recovery on my credit report to equifax , they responded that they verified the account, but somehow XXXX could n't verify the account. So who 's wrong? I say equifax , cause as I stated in my original dispute the account was incorrect. So how did equifax verify an account another credit reporting agency could n't? Does Not exactly explain out very well.
Product: Credit card or prepaid card

I am referencing case   XXXX   from the CFPB. This case was closed and was originally opened due to Chase closing my accounts without notice due to too many requests for credit, despite them approving me for the credit and informing me of my excellent repayment history. Upon further review, Chase reopened my accounts  on   XXXX   XXXX  , 2017. This  was 9 days ago. Upon calling into Chase tonight, I was informed that they had closed all of my accounts again. They have essentially lied to the CFPB and me stating that they would reopen my account so that the case would be closed and then closing my cards right after CFPB closed the case. This is definitely unethical behavior on Chase 's end and also closing my accounts after 9 days later telling me that they would be reopened. Also, in reference to the previous case, Chase 's representative refused to provide any sort of reference number or a specific name that I could reach her by, thus I still have been unable to reach that lady who provided me the initial information. Very sketchy for a " legitimate company ''. I have not done anything wrong and my payment history shows no bankruptcies or delinquent accounts. Additionally, I have perfect payment history carrying no balances between months and always staying under 1 % of my utilization ratio. My closing my account without notice, not only are they hurting my credit as I am   XXXX   years old with one of my oldest accounts with Chase, they are also misleading the case referenced by stating they " reopened '' my accounts, just so that CFPB would close the case.
Product: Debt collection

On XX/XX/XXXX, Merchants Credit Guide located in XXXX, Illinois, showed a collection for {$220.00} on my credit reports. Prior to the collection appearing on my credit reports I had no knowledge of the debt. Since, I have disputed this collection with XXXX ; XXXX XXXX ; and XXXX. All but XXXX removed the collection from my credit report. On XX/XX/XXXX, I spoke with three individuals at Merchants Credit Guide over the phone. I told them that I would pay the {$220.00} just as soon as they could provide documentation to support the validity of the debt. Every time I asked for documentation to support the debt or support their claim of attempting to contact me in the past, the individuals immediately became defensive and would transfer me to another individual. After speaking to the last individual who represented himself as a manager, I was told the best that could be done was another bill would be sent to my address. It is my opinion that a bill from Merchants Credit Guide does not support their attempt to collect a debt from me that I have no knowledge of. I told Merchants Credit Guide that I would not be paying the " debt, '' however, if they would like to mail me documentation from the debt that they claim to be collecting I would pay it. The manager told me that he was putting a cease and desist on the account and I would not be hearing from them again.
Product: Credit card

Sent an overnight check to Capital One Bank on XX/XX/XXXX which was for more than the balance due, check was signed for on XX/XX/XXXX. The check amount was credited to my account on XX/XX/XXXX. After seeing the posting online, I contacted Capital One to see if the would consider waiving the interest fees that were charged to my account seeing I have never been late, and my account was in very good standing with them and customer service confirmed that the account was in very good standing. Also, I asked why it took them 3 days to post to my account and accrue additional interest. I never have asked for any consideration in the past to waive any interest charges. I was told NO by customer service and that they had 3 days to post my check. They could not give me a straight answer to why the check was not posted on XX/XX/XXXX when it was signed for and received. All i was asking for was a overpayment of {$71.00} returned to me which included the waiving of the accrued interest. I was still told NO that they could not waive any fees and the interest of {$26.00} will be deducted from my overpayment plus the XXXX charge of {$7.00} and a total of {$37.00} would be sent to me in approx. XXXX. I requested that the funs be sent to me that day. They said they would process the request and a check would be mailed in XXXX business days. I tried to explain that I have paid off several Credit Cards, which were overpaid and ALL XXXX, XXXX, XXXX XXXX  and XXXXXXXX XXXX  ALL waived there interest fees and the Full Overpayment dollar amount was refunded in Full. Dealing with Capital One XXXX Customer service is a nightmare. I even spoke to a supervisor and She told me that the decision they mentioned will stick. I told them that I would file a complaint and I was told To Go Do What You Want. All we are talking about is a total Refund of {$64.00}, not {$37.00} I even took steps to make sure no Additional Charges are placed on this Credit Card Again
Product: Credit reporting or other personal consumer reports

On XX/XX/23, I disputed this XXXX account for the accuracy of reporting to the 3 major credit bureaus. 
I have attached a copy of the most recent reporting for XXXX and highlighted the inconsistencies they are reporting. I have not received investigation results regarding this accounts from them, I have also disputed this account via mail to the bureaus on XX/XX/23, XX/XX/23, & XX/XX/23.
Product: Credit reporting or other personal consumer reports

Despite of my written request the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is the evidence that you can not and did not verify any of the disputed accounts like you said you did. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX has recently changed an account on my credit report from a closed status to and open status, this account has been closed and was assigned to a collection agency by the name of XXXX I finally have had my credit report free of this collection and account now its reflecting as an open collection account and should be removed.
Product: Credit card or prepaid card

Reference : XXXX previous complaint against PNC Bank I just received notification that PNC Bank needs more time to investigate this complaint. 
As I stated before, no warning was given, and I had less than 30 days, after receiving numerous letters concerning closures of all my accounts. I don't accept PNC 's delay of needing mire time to resolve the problem. 

Update : Item 1 ) My Fico Scores with PNC were kept very low of {$800.00} for several months, while I had outstanding accounts and no late payments. While another Bank, where I only had a Credit Card, its Fico Score was XXXX. 

Item 2 ) I was not offered Disputes several times. Item 2a ) P
NC 's Executive Office interfered, trying to cancel my Credit Card and mail me a new one within 5 ( five days ). Since pending purchases, I didn't accept their offer, but took care of the dispute myself within 2 ( two ) hours.

Item 2b ) XXXX XXXX debited my Credit Account by mistake, however, deleted the charge a couple of hours later. Informed a Ms. XXXX about the error, however, she told me that the " merchant had been paid '', and the " charge '' was obviously passed on as as the charge. 
Item 2c ) I also made Ms.XXXX aware of a mistake in her letter, and I was assured that a corrected letter was to be sent to me. As today, XX/XX/XXXX, I never received this promised and corrected letter. 

New Item of complaint : Item 3 ) I have been unable to log on to PNC Bank lately, trying to retrieve payments made and being considered as deductions for Income Tax purposes, which I would require to file at the beginning of XXXX for the current year of XXXX. 

Summary : PNC Bank failed numerous times by making mistakes and shortcomings, which I have given its Customer Service including its Corporate Office, and I felt very offended, the way I had been treated with the " thanks for your help '' and closing all of accounts in good standing. 
Giving me the less than 30 days I had ( due to the postal delivery ), I do expect PNC not to give them more time ( 60 days ) to complete its 'investigation ''. 

submitted by XXXX XXXX
Product: Money transfer, virtual currency, or money service

Sent money through Zelle but was not given warning prompts to make sure money was sent to intended person or business.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and the letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my report withing 4 business days, pursuant to section 605cof the Fair Credit Reporting Act. I am a victim of Human Trafficking of Debt Bondage and would like for all listed accounts be blocked and deleted. Please delete the following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I am glad if you put some margin to CORRECT a portion of the data in my credit document. As I saw my credit file i am so disappointed that there are still a few records that required to update. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts needs to be corrected immediately : XXXX XXXX Balance {$3400.00} ; XXXX XXXX  XXXX XXXX. XXXX, XXXX Balance {$3400.00} ; XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$410.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX : {$3400.00}. 


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

I notice a couple of hard inquiries on my credit report from XXXX   and XXXX. That I did not give permission to run my credit. 

The name of the Company was XXXX XXXX XXXX XXXX XXXX, M XXXX Please help me to correct this item. Thank you
Product: Debt collection

I saw this company on my credit report, I don't know who this company is and now my credit is damaged due to them and I never received a notice from them also.
Product: Credit reporting or other personal consumer reports

Submitted Dispute on XX/XX/year> to Experian under dispute number XXXX. The company has failed to respond to the dispute within XXXX days and should remove all items disputed. Under U.S. Code 1679c Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within XXXX days.
Product: Student loan

I filed for closed school loan discharge. I noted that I had withdrew prior to the school closing once we were informed of the loss of accreditation/lawsuit notice but no more than the 120 days it states..according to chapter 6 that was considered part of the exceptional circumstance and I should have still been eligible. I have also filed for the fraud discharge because they took money and forged my signature. Both applications were denied and was not given any info on how to appealthe decision.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX/DEPT OF ED # XXXX - Opened on XX/XX/XXXX XXXX XXXX XXXX
Product: Student loan

I have student loans from 2007. These loans were given to me by Financial Aid and I didn't understand the process of the loans. Each year the balance and service provider has changed. I was taken advantage at the time I received the loans. I didn't understand the terms because I was on an academic scholarship. These loans were dispersed to me with no information on how they would be paid for. I was a teenager at the time.
Product: Debt collection

We moved out of XXXX XXXX at the end of XX/XX/XXXX. Around XX/XX/XXXX, we got a letter in the mail from a credit agency trying to collect almost 3,800 from us for XXXX XXXX. Right away, I called the trailer park & spoke to XXXX, the manager, & she wax very rude to me. I asked her why she had gone almost a year without ever trying to contact me to give me a chance to discuss this matter and/or pay what damages we are responsible for & why she went straight to the credit agency, almost a year later, without every contacting me first, & her exact response was, " I do n't gave an answer for you ''. I want to stress the fact that XXXX XXXX has always had my phone number & address. I know this for a fact because, even while we lived there, we used our current address for mailing, & always recieved any mail they sent us. My phone number has never changed either. She never tried contacting me in any way to discuss & take care of this matter within the 11 months after no longer living there, & went straight to the credit agency. We moved in to that trailer park with different managers at the time who put us through so much & we ended up accepting certain damages as is, at the end of XX/XX/XXXX. I feel like XXXX, the current manager, is charging us for damages we moved into & this amount of money is absurd, let alone the fact she never contacted me within 2 weeks to inform me of any fees. We were always very good tenants & never caused any problems. I wish for this to be handled legally & with appropriate ethics, which is should be. My name is XXXX XXXX. My boyfriend is XXXX XXXX. & my phone number is XXXX.
Product: Debt collection

On XX/XX/year>, I received a call from an individual representing LCS Financial Services. During this call, I was informed of an alleged debt, which I do not recognize or recall. When I requested information about the debt, the caller refused to provide any specific details or documentation, stating that they had allegedly contacted me before, which I have no memory of. As I continued to ask for verification, the caller responded with an unprofessional remark, YOU NEED TO PAY YOUR BILLS, which I found disrespectful and harassing. 

Since that interaction, I have formally requested that LCS Financial Services provide me with all relevant documentation to verify the debt. This includes an original signed agreement, a comprehensive audit of the debt amount, and proof of their legal authority to collect the debt. I also requested that all future communications be in writing to avoid further harassment. 

I am submitting this complaint to seek assistance in obtaining lawful verification of this alleged debt and to address the unprofessional conduct exhibited during the phone call. If LCS Financial Services is unable to provide valid documentation, I request that the debt be removed from my records and any related credit reporting be corrected. Thank you for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

30 day late on XX/XX/2023 for XXXXXXXX XXXX XXXX XXXX. The card has always been on auto pay. 

Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 15 U.S.C 1666b
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. This has caused significant inconvenience and financial loss and I seek appropriate redress
Product: Mortgage

During the pandemic, we requested a forbearance plan. In the meantime, we continued to make payments but two of them were not properly accredited to the account in XXXX and XXXX. I have been calling them since then, and the representatives I spoke to kept saying that their system had not catching up with payments and requested to give them time to do so and disregard future notices of delinquency since they were just automatically generated for the system not recognizing the payments. 
We continued to accumulate late fees, penalties, recovery fees that now go above {$1200.00} and still show two payments behind, besides being reported to credit agencies as delinquent and having a negative impact on our scores. 
Every attempt to speak to XXXX XXXX XXXX, VP of consumer banking for XXXX Citizens financial group in Rhode Island has been blocked and employees say they do not have knowledge of him or XXXX phone #. I sent copies of bank statements demonstrating payments, and we are yet to receive any response.
Product: Debt collection

This company called me and asked if I was the person they were searching for. I told them I was. I then asked the collector to please stop calling, send a verification of debt, validation letter, original contract with my name on it and signed, and the verification that they have the right to collect from me. The lady asked for my birthday and again I asked to have those items and for her not to call anymore or the company. I did not answer about my birthday. She got irate and said she refused to send anything g bevause I did not answer her question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS****** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX XXXX # XXXX. This account was charged off in XXXX and closed. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$1400.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$1400.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX year ; XX/XX/XXXXyear ; XX/XX/XXXXyear. Shows late payments, 30 days late XX/XX/XXXX ; 60 days late in XX/XX/XXXX ; 90 days late in XX/XX/XXXX ; 120 days late in XX/XX/XXXX. Reported 49 charge offs. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an  urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Student loan

Hello : How do I get my loans discharged since they are over 20 years old and I have worked for XXXX, XXXX, and XXXX XXXX as a XXXX XXXX for XXXX years? 

I have contacted my loan servicer, Mohela, on several occasions, via phone and email, requesting information on how I get my loans discharged. Today, Mohela contacted me and could not advise me how to request my students loans get discharged. Additionally, I contacted StudentAid.gov for the same reason and was told to contact Mohela. 

I am exhausted with going in circles on this issue. I need definitive information on how to get my loans discharged in their entirety. 

Thanks in advance for your assistance. 

XXXX XXXX XXXX
Product: Debt or credit management

On XX/XX/year>, I was planning to go to a XXXX XXXX XXXX XXXX XXXX but I had to withdraw due to me being homeless living in my car for a few months at the time. After I sign the paperwork work, I realized that I need to handle some other priorities first, so I got a call from the department and told them immediately that I could no longer go to school. Once I emailed the finance department, they told me I had to contact the owner XXXX XXXX XXXX XXXX and I emailed them a few times in XXXX because the department was going back and forth with me about contacting him, when I have multiple times without a response back to my phone calls and my emails. Now they expect me to pay almost XXXX dollars to a school Im not even attending, since i already decided to attend another school in my state. They have still not resolved this problem and it has affected my credit score.