23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Both communication and no notice.

ProCom Services Springfield, Il. 

This company after being told 5+ times to provide me a letter stating the specific debt and information has denied me every time. 

I told them Im not paying until I get that. 
They told me they can not send me any kind of letter because they had already done so.

The last time I spoke to them, someone said theyd send me a letter, then the next day the debts showed up on my credit report.

The letter I got had my name and address, and its had 3 dates with 3 dollar amount next to them. This is no where near enough information. 

The person on the phone also went on about if I had paid my bills in the first place I wouldnt be in this situation so I should just pay them to get it over with.

Ive also contacted the medical facility this debt is from but they told me due to it being turned into collections they cant provide me any information at all ; no dates, no dollar amount, no visit information, I have to get all of that from collections, which they refuse to provide.

The last time I spoke to the collectors, I t
old them do not contact me until they send me the proper information pertaining to the debt.

They now proceed to call me 3+ times almost daily from different phone numbers because I refuse to answer.
Product: Bank account or service

JPMorgan Chase abruptly restricted my checking account for 3 days preventing me from using my own cash because apparently they sent me a letter asking my wife 's employment status and we did n't respond to this letter. They restricted my account without giving me any notification for such a simple reason. I was very negatively affected by this dumb decision because I did n't have any cash for 3 days and I could n't pay my bills and I almost missed my mortgage payment on my primary residence. Which one is more important to Chase? My wife 's employment information or my life, access to food and housing?
Product: Credit reporting or other personal consumer reports

Experian has been extremely unhelpful. My credit report with them has not updated in almost three months. I keep getting the same answers and nothing has changed.
Product: Debt collection

On XX/XX/XXXX I was contacted by XXXX XXXX Assistant Property Manager XXXX XXXX XXXX XXXX XXXX regarding an outstanding bill XXXX. ( see email ) On XX/XX/XXXX. XXXX. I was contacted by XXXX XXXX Property Manager XXXX XXXX XXXX XXXX XXXX regarding alleged amount I owed for move out cost. I disputed the amount and asked for an itemized breakdown. I was giving an estimated and not itemized invoice services were completed. ( see email ) On XX/XX/XXXX. I was contacted by XXXX XXXX regarding the drywall. Ms. XXXX stated, " I am waiting for XXXX XXXX to x your drywall on Thursday. Once I get an itemized invoice from them I will forward it to you. ( see email ) On XX/XX/XXXX, I contacted Ms XXXX via email. I asked for an updated regarding the itemized invoice. ( see email ) On XX/XX/XXXX. I contact XXXX XXXX Employee Relations Manager of XXXX XXXX XXXX via email with XXXX XXXX CC on the email. I let Ms. XXXX know I have not received any correspondence regarding the itemized invoice and I offered solution to the matter. ( see email ) XXXX XXXX stated they found a second drywall vendor and will get it done this week and XXXX XXXX stated, XXXX XXXX has not completed the drywall because the employee who handles all the drywall has been out on leave. XXXX XXXX expects to complete this by XX/XX/XXXX. 

Until this day. I have not heard from XXXX XXXX, XXXX XXXX, or anyone at XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. I never received an email, a phone call, or mail regarding itemized invoice for services rendered. 

XX/XX/XXXX, I became aware of a collection account on my credit from national credit systems that was reported on my credit report on XX/XX/XXXX. I have never received a call, email or mail from national credit system. I never had the opportunity to dispute this collection. 


POC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have Chase XXXX XXXX XXXX credit card under my LLC ( XXXX XXXX ) ending # XXXX and I had problem with the payment via online in XXXX XXXX. My automatic payment was in place all through the year with minimum statement balance due to 0 % APR they were not charging me interest. However, when the 0 % APR ended in XXXX I was unable to change the automatic payment to use full statement balance instead of minimum payment. I had issues logging in and the wait time was XXXX when I called in twice. I was finally able to get a rep on XX/XX/XXXX and she corrected the log in issue with my account and told me I can pay the balance full so she then reverse those finance charges in XX/XX/2022 on the balance I was unable to pay any balance due to the technical issue. I paid full balance on XX/XX/2022, However again on XX/XX/XXXX they charged another finance charge. When I called on XX/XX/XXXX to request the reversal of those finance charges the rep was very rude and said he can't reverse them and when I requested to speak to the manager he said there is a very LONG wait time. This was very intentional and I told him I need to file a complaint and he immediately disconnected from me and it went to the main menu. I have no choice now and filing complaints through CFPB to let the regulators know the issue with XX/XX/2022 finance charge which is a cumulative of 2 months according to the rep and if no activity on the card they won't let the customer know if they're charging any finance charge. This is very unfair and each rep says different things and I was promised to get this refunded initially and now another rep denying my request after the full payment on the balance. I will be closing their account if they don't treat 10-15 year customer relationship fairly.
Product: Credit reporting 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. 

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 XXXX XXXX XXXX XXXX XXXX  All these accounts have violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no customer 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.

15 USC 6802b ( 1 ) ( b ) States : the consumer should be given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ( Opt Out option was not disclosed or was i ever given notice )
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX INQUIRY : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not being filed by a 3rd party and is not a duplicate complaint.

In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

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. 


XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DP OF EDUC Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DP OF EDUC Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DP OF EDUC Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX XXXX. Account Name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : DPT ED/XXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX Account Name : XXXX XXXX  Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX
Product: Mortgage

I have an mortgage loan with Bancrop South and I have been treated like I do n't matter. I have had problems with them contacting me when I have questions or issues. As of XXXX/XXXX/2016 I do n't have homeowners insurance and it is because Bancrop South did n't pay the insurance company when I submitted the documents. I was told by XXXX XXXX that they will also contact Bancrop South also. Well I do n't know what happen but I talked with the Insurance Department of Bancrop South and that was weeks ago and I have n't heard from anyone. As a customer of Bancrop South I was never given the opportunities to lower interest rates, I was denied a loan to refinance my home to get a lower interest rate and never notified of how thing work with escrow. I 'm a first time homeowner and I was never educated on how escrow works.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax announced that they were a victim of a data breach on XXXX XXXX, XXXX. Do note that the breach appears to have occurred from XXXX XXXX to XXXX XXXX. Equifax is offering TrustID enrollment to me until some time in XXXX. It has also been reported that accepting the TrustID enrollment may remove your legal options towards the company. While Equifax is equally a victim, they are ultimately responsible for keeping my information safe.
Product: Credit card

XXXX XXXX XXXX XXXXGoldman Sachs Dispute Refusal : XXXX placed an order for a closet through a website called XXXX using my Apple Card, and I received a confirmation email on XX/XX/year>. Months later, they sent me a large box containing a pile of wood with no assembly manual. After reviewing the contents, I believed I had received the wrong order, so I reached out to XXXX. What followed was a months-long back-and-forth via email. Eventually, I realized I had been scammed. A quick online search revealed numerous reports confirming that XXXX was a scam, with a clear pattern : they send incorrect products and refuse to issue refunds. ( For clarification, check website : XXXX XXXX XXXX XXXXXXXX account : XXXX XXXX, or reviews from XXXX, XXXX, XXXX  or communities such as XXXX ) I have documented evidence of every communication with XXXX, including receipts, the violated contract, testimonials from other victims, and screenshots of websites detailing the scam. Following XXXX 's Purchase Protection policy, I contacted Apple Card Support and submitted all relevant evidence. Despite this, after months of waiting, I was notified that my dispute was rejected. 

Undeterred, I reached out to Apple Card Support again, providing additional evidence in the hopes of clarifying the situation. Unfortunately, the dispute was rejected again, with no explanation. Recently, I discovered that there are ongoing lawsuits against XXXX and Goldman Sachs for mishandling similar disputes, which leads me to believe that the rejection had little to do with the evidence I submitted and more to do with flaws in the dispute resolution process.
Product: Credit card or prepaid card

From : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX COVER LETTER FOR CAPITAL ONE 's REQUESTED INFO on- RE : CARD NUMBER -- XXXX Virginias SCC case number, NUMBER -- XXXX We are protected under Virginia Law and By the State Corporation Commission , as Insurance Agents and Brokers are licensed with the Authority to have the Fiduciary Responsibility for handling " Their client 's money '' and it looks like this insurance company is deceptive, and therefore we need your help! 

RE : Payment for $ XXXX- Made to XXXX XXXX XXXX ON XX/XX/XXXX, a COMMERCIAL INSURANCE POLICY WAS NOT APPROVED BY UNDERWRITING. 

The insurance company asked for A CANCEL AT INCEPTION LETTER, to protect them from claims. They have NO LEGAL reason to keep any premium for NO INSURANCE POLICY WRITTEN. 

AND This insurance company is being INVESTIGATED BY VIRGINIAS SCC BECAUSE THEY DID NOT OFFER MY COMPANY THE CORRECT POLICY AND THAT IS WHY THEY CANCELLED BOTH POLICIES AND LEFT US UNINSURED. 
WE HAVE MOVED ON TO ANOTHER INSURANCE AND THE INSURANCE POLICY REFUND OF OVER {$2300.00} WAS NEEDED TO SECURE NEW COVERAGE WITH XXXX XXXX!!! 

We are shocked that after notifying us in writing in XX/XX/XXXX that our insurance was not approved by underwriting, that the Insurance company has ignored ( 2 ) Requests by Certified Mail, with no response, including our Attorney 's Letter ( Attached ) on USPS tracking number- XXXX, which shows that the Attorney 's Letter and the request for a refund was received on XX/XX/XXXX with no response. 

We are shocked that we received a call today that Capital One, is forcing a re-bill to our card that ends in - XXXX for the {$2300.00} for the cancelled policy. The SCC has asked the Insurance agent to provide us with their Errors and Omissions Insurance information, because the policy taken in XX/XX/XXXX with XXXX XXXX XXXX- XXXX XXXX  XXXX was not the correct coverage for our business. That is what XXXX XXXX, Insurance Agent at the XXXX XXXX   XXXX XXXX XXXX wrote in her letter cancelling our policy ( Referenced above ) on or about XX/XX/XXXX. 

We used the refund on our card in XX/XX/XXXX for {$2300.00} to purchase a NEW Insurance Policy that was the correct policy and with the correct coverage needed. 

Although XXXX XXXX has a NO-Loss Letter from XX/XX/XXXX so that the insurance policy can be cancelled to inception, with no claims that they would ever pay, and with their agent 's notification on XX/XX/XXXX that we had no insurance, we had to receive a refund, the agent at XXXX XXXX  XXXX is insisting that he would keep our money. So that Is why we reported the agent to The SCC, the regulatory Body for insurance agents in Virginia.
Product: Credit reporting or other personal consumer reports

I disputed this on my credit report more than once for XXXX installment loans, as it was paid off in XX/XX/year>. Yet, XXXX  just incorrectly reported to Experian ( FOR THE 2ND TIME ) that as of XX/XX/year> the installment loan is open and {$51.00} due. I advised XXXX that the loan was paid off and the account should be closed, and the representative refused to correct the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is inaccurately reporting a collection account on my credit report which doesn't belong to me. This same account has been disputed with XXXX. XXXX investigated and deleted it. I learned of this erroneous inaccuracy on my account when my credit was pulled for a Mortgage Loan application. This erroneous report has negatively impacted my credit worthiness. Experian violating my consumer rights protected by the FCRA, 15 USC 1681b ( a ) ( 2 ) " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written consumer who it relates to. '' This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Product: Debt collection

I'm having a problem removing a collections account from my credit because of Portfolio Recovery Associates , LLC. They are refusing to remove the negative account and have made several attempts to collect on a debt in which they purchased from XXXX XXXX, whom purchased the debt from XXXX ( I believe ). From my own research of the XXXX XXXX XXXX report, Portfolio Recovery Associates , LLC isn't registered in my State to even collect a debt, but yet that company continues to reach out for payment. 

Also, I NEVER APPLIED NOR USED ANY CREDIT CARD FROM XXXX!!!!! Any of the few purchases I made via that app, the funds were direct deposited from my checking account every single transaction.
Product: Mortgage

I had applied for a VA Home Loan through Castle Peak Mortgage and after finding a better loan, requested that Castle Peak Mortgage ( former lender ) transfer the appraisal request of my new property to my current lender XXXX XXXX Upon the request Castle Peak insisted I pay for the appraisal before initialing the transfer. Castle Peak had not prepaid for the appraisal and it it not required that the appraisal be paid for before transferring. I was informed this was a company policy. 

I would like to point out that in accordance with Lenders Handbook VA Pamphlet 26-7, Revised Chapter 10 : Appraisal Process, Request from the Veteran to Change Lenders, Lender Responsibilities states : Lenders are expected to cooperate when a Veteran decides to change lenders. The lender who ordered the appraisal must transfer the case to the new lender when requested by the Veteran in writing ( including email ). An appraisal report and case number XXXX be transferred to another XXXX lender in XXXX XXXX XXXX XXXX of the original lender. The new lender should provide to the Veteran, their email address, phone number, and VA Lender ID number to be included in the Veterans letter to the original lender.

To my knowledge Castle Peak has not responded to my request to transfer the appraisal. Additionally their refusal to cooperate with me XXXX extend my closing date and place my home purchase and jeopardize my current loan rate.
Product: Student loan

Explanation of complaint : I graduated in 2007 and started paying my student loan. 
It was my understanding that my loan would be paid in 10 years and it has been over 10 years and I owe just a couple thousand dollars less than I started with. It states that my repayment is an income based repayment program and I am not sure how that happened. At this rate I will be dead long before it is paid off. I am sure that I have to date paid as much if not more then I owed. Please help.
Product: Credit card or prepaid card

I applied for an XXXX XXXX Visa Signature credit card through Bank  of America. This card advertised a sign on bonus of XXXX miles and a {$100.00} statement credit after charging $ XXXX or $ XXXX to the card ( I forgot exactly how much was needed ). Once I hit the charge limit to receive the bonus, I got the XXXX miles but not the {$100.00} statement credit. Boa claimed I didn't apply on the right website or whatever which is XXXX. The same website I applied for the card still has that bonus as an offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681SECTION 602 A. States i have the right to privacy.

15 U.S.C 1681SECTION 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Dear Sir/Madam, I have a complaint for TD Bank. This bank is changing the dates of your transactions and when you make a payment which has caused an overdraft, you have to pay {$35.00} overdraft fee for the previous transactions while still you think you have money in your account. 

I made XXXX different transactions on XX/XX/XXXX and checked my account and saw all of them have been posted. At the end of the day, I withdraw {$500.00} which I'm willing to pay {$35.00} for. Today I saw they changed my other transaction dates as of XX/XX/XXXX charged the fee for each. I spent my own money and I had to pay {$170.00} for this. Customer service is not helpful and They kept saying there is nothing they can do. They told me I don't understand anything about this service but they are wrong. There is nothing to understand why do you have to pay a fee when you spend your own money. 

Is there any way that you can help me for this issue? This wasn't the first time but this was too much. It's just not fair and I kindly ask your help. 

Regards,
Product: Student loan

I contacted Studentaid.gov in reference to my PSLF application. Their website states that I have qualify payments from XXXX, but nothing prior. This is been an ongoing problem that began with XXXX. I have filed numerous complaints but I have still not received a clear answer as to why my qualifying payment counts have not been updated. I have been given case numbers that are never followed up upon or been given inadequate information. Today, when I contacted Studentaid.gov, I was transferred to 3 different customer service representatives before I was disconnected by the last. They have my phone number, but I did not receive a return call. The last representative told me I would have to file a PSLF reconsideration form. I explained that I do not want reconsideration due to the fact that the payments I made were not denied as qualifying they are just not accounted for one way or the other on their site. This was the same situation with XXXX, with the exception that they did not ask me to file a reconsideration. I stated to the Studentaid.gov rep. that it clearly states on their website to " not '' submit a reconsideration form if you are waiting for updates on your qualifying payment count. I conveyed this to the representative and requested that I speak with someone else. He stated that he would send my message to someone else and wait for a response. I waited another 5 minutes and the line went dead. This has been my experience for over a year. It has been 2 years since I consolidate my loans and submitted my PSLF application. I have filed complaints with the ombusman at Studentaid.gov and with XXXX, and with CFPB, but still have no resolution.