23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I had been calling Capital one over and over again about releasing my money they had on hold for several weeks and kept getting the run around and different stories. They kept talking like bots repeating themselves and brushing me off not helping me at all. Hanging up on me and transferring me numerous times. They really frustrated me so badly and disrespecting me so i had a few choice words of course after all the disrespect for days. I found out on XX/XX/year> they closed my checking, capital one quick silver and the savor they just gave me. All of these were on auto pay and it shows paid on time and they closed them all for language used not even taking in consideration how i was treated for days. Then send me a letter talking about what i still owe and in the future... they are saying basically " learn how to talk to people '' like I'm a kid. WOW!! now my credit will look bad. HELP ME PLEASE! I hear you cant even do an arbitration with them. This is so unfair and childish, didn't even realize this was a thing.
Product: Credit card or prepaid card

I received my online statement due on  XXXX . My statement separates my purchases because I have a promotional offer. On my  XXXX  statement I had made purchase that were open to regular interest rates and  one sp ecial promo that is under contract for a special interest rate throu gh 2020. I  made a large payment on  XXXX  to pay this statement.     I received my next statement due on  XXXX  and it revealed that they had used my previous payment to pay off a new transfer made on  XXXX , which is after my statement close. When I contacted them regarding this they told me that 0 % aprs are paid first then higher apr. I do not recall this ever being the case but I said fine but how can you pay off something that has not been on my statement yet. I specifically planned my payment to basically pay off my purchases since I did a new transfer for the  XXXX  statement. It seems they did this since I was avoiding higher interest rates and they wanted me to owe more in interest rates. I really need someone to review this. I have copies of all my communications with them.
Product: Student loan

Im days from defaulting on my {$55000.00} private student loan with XXXX/Mohela XXXX 14 % interest, account, originally {$15000.00} in XXXX from XXXX XXXX XXXX a predatory school owned by XXXX XXXX  XXXX XXXX refuses to negotiate despite my hardship : {$150000.00} total debt, {$6000.00} monthly income ( {$2000.00} disposable ), XXXX credit score. Im a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX $ XXXX is unaffordable. XXXX offered 3.5 %, $ XXXX ; I asked XXXX for $ XXXX, 5 %, 20 yearsthey refused on XX/XX/XXXX. XXXX XXXX at XXXX insisted that 1 ) speaking with a supervisor would not help, as " they can not do anything for me that he could not, '' 2 ) Mohela does not negotiate anything other than temporary 6-month solutions, and 3 ) XXXX/Mohela would knows they will ultimately get what they want via garnishment, legal action, etc. I sent XXXX a letter ( XX/XX/XXXX ) demanding they pay, citing their $ XXXX XXXX XXXX was excluded. XXXX  inaction risks default $ XXXX {$38000.00} XXXX  vs. my {$36000.00} offer. This is unfair ; I need relief.
Product: Credit reporting or other personal consumer reports

Barclays Bank has been reporting a duplicate charged off credit card account on my XXXX and refuses to remove the duplicate. The information and dates are reporting inaccurately across all 3 credit bureaus and I have disputed this information via letters, online with XXXX XXXX, and online through the dispute centers with all 3 credit bureaus. When I called Barclays to settle the account in an attempt to have the information updated and reported accurately, I was told they have my complaints flagged and filed in their system but are unable to do anything. The accounts showing as closed and charged off are of the same account number with the same balance - indeed a duplicate. 

This adversely harms my credit report and score as it is appearing as an entirely additional charge off which is a serious derogatory account and affects my ability to get approved for other loans and a mortgage.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has not followed the federal law of sending me a CFPB noticing affording me my legal right to dispute or validate the claim prior to placing this on my credit report. I will file a lawsuit for deceptive practices if this is not removed immediately.
Product: Checking or savings account

On XX/XX/XXXX, Robinhood sent me an email informing me that my accounts at Robinhood had been restricted due to suspicious activity- they didn't provide any details so I don't know what activity occurred on my account leading to the restrictions. Then immediately, they sent another informing me that they would be closing my account. Since then, they haven't provided any further instructions or information what the next steps would be so I can withdraw the funds back to my personal bank account. Withdrawal has been disabled on my account as part of the restrictions that they placed on the account. I have been trying to reach their customer support but all they have is an automatic chatbot, there haven't been any responses to the emails I sent. It's been virtually impossible to reach someone at their customer support and this situation has caused a lot of distress in my family. I hereby request that Robinhood to respond to my emails immediately with clear instructions on how I can start withdrawing the funds back to my bank account. 

It's extremely concerning that a company like Robinhood that manages people 's financial life including investing, retirement and saving but doesn't provide reliable ( or any ) customer support for such issues as mine.
Product: Mortgage

Suntrust is making it very difficult for a consumer to remove the escrows from their mortgage. 
The department who handles the escrows is a phantom department you can only communicate with via fax. They say it takes 2 weeks for someone to contact you. No-one ever does. One has to call back to get answers. 
The big issues is they will only remove escrow once the loan to value ratio of the property is 80 % but the value they use is the price of the home when it was first purchased which is not representative of the current value of the home now given market appreciation. This does not make any sense, if the home values where lower than when one first bought the home I bet they would not do the calculations based on the purchase price of the home. 
I am pretty sure this is a violation of consumer rights and protection laws. 
This even applies to consumers who want to have their PMI 's removed. In that case the consumer would be tied to the PMI until their loan is actually 80 % of the value of the home which given real estate market fluctuations this could very well play out to the detriment of the consumer who may not be able to remove their PMI 's for a very long time. 
They are clearly manipulating the law and using the rules to their convenience and controlling our money in their escrow accounts. If they are making it difficult for consumers to remove their escrows in good financial times with a healthy real estate market, they can cause home owners to lose their homes during harsh economic times because they are tying the escrows to the mortgage and not allowing the homeowners to remove them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXX/XX/XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXX/XX/XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Incorrect Reporting Date : The payment reported as late for XX/XX/XXXX and XX/XX/XXXX was made within the grace period and should not have been reported as 60 days late. 
Clerical Error : There appears to have been a clerical error where the payment was misapplied or not recorded accurately by XXXXXX/XX/XXXX 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Mortgage

Nationstar has failed to process my client 's loan modification application in a manner consistent with industry standards. They failed process my 3rd party authorization ; Nationstar sent notifications to borrower and did not to communicate with my office about any application deficiency. Emails and faxes were not responded to and phone were rotated through a series of prompts requesting either loan number or social security number in full SEVERAL times until the call was terminated.
Product: Bank account or service

Dear XXXX : :This is another complaint of false billings created after an auto rental last XXXX rental without my approval, by XXXX XXXX XXXX i 'm responding to several '' XXXX citizens '', who have commented to me after XXXX XXXX Pa.refused to deny this billing, and charge against my account, and have not sent me their detailed list of charges that go with every rental that all rental car compan'y detail with at least XXXX number more than, " {$25.00} that, '' the number {$2500.00} '' is not possible for an auto a rental since this number does not have any other single number after the " XXXX '', XXXX. {$25000.00} ''. every rental has more than XXXX or more additional fees in addition to the rental to add to the final rental '' they add : " there 's no ways that this rental that XXXX Bank allowed to be taken off your debit card/checking account '' that does not have XXXX single other number. especially since they assert the 45 day rental. now that i think about it.they are correct in thier logical conclusion that XXXX Bank did not realize, or notice as impossible.
Product: Checking or savings account

On XX/XX/XXXX I tried to make the following deposits to Key Bank via the mobile app : Deposit Date Check No. ( if applicable ) Dollar Amount Maker XX/XX/year> XXXX {$470.00} State Of New York XX/XX/year> XXXX {$470.00} State Of New York XX/XX/year> XXXX {$470.00} State Of New York XX/XX/year> XXXX {$470.00} State Of New York XX/XX/year> XXXX {$500.00} State Of New York XX/XX/year> XXXX {$44.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$500.00} State of New York XX/XX/year> XXXX {$460.00} XXXXXXXX XXXX XXXXXX/XX/year> XXXX {$470.00} State of New York XX/XX/year> XXXX {$450.00} State of New York XX/XX/year> XXXX {$470.00} State of New York XX/XX/year> XXXX {$520.00} XXXX XXXX XXXX XX/XX/year> XXXX {$500.00} State of New York The day afterwards I discovered that my account was restricted. On XX/XX/XXXX I sent a sworn statement regarding these transactions to the XXXX XXXX of Key Bank which was then forwarded to the fraud department. This was what the representative from that branch XXXX XXXX instructed me to do. When I checked in with XXXX on the phone two days after that, she said she would check on the progress of my case. She emailed me later that day saying that the specialist was still reviewing my documentation. On XX/XX/XXXX I emailed XXXX asking for an update. On the XXXX she emailed me back saying that the specialist did not update my profile to reflect receiving the documentation. I later contacted the fraud department to confirm they did receive my documentation. They told me that their policy was to provide updates within 10 business days. I contacted them again on XXXX and they told me there was no update on my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft : EQUIFAX HARD INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, VA XXXX ( MAI ) L O-NLY - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX, FL XXXX ( MAI ) L O-NLY COLLECTIONS : - XXXX XX/XX/XXXX {$360.00} - None provided - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX HARD INQUIRIES : - XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX - XXXX XX/XX/XXXX XX/XX/XXXX XXXX Credit Cards XXXX XXXX XXXX XXXX, OH XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX first showed up on credit report last year. Called to take care of it with Health provider and insurance directly. They said I did not owe the amount and that the above Medical Provider was making false claims. 

It is now showing back up on my XXXX Report only as being reported on XX/XX/2020 with collection company GLA Collection Co., XXXX, KY. 
This matter started last year, why has it reappeared.
Product: Debt collection

On or around XX/XX/2021 I called SOUTHWEST COLLECTION to discuss my debt and credit reporting. I asked the rep who was in charge of my collection if they would stop reporting negatively to my credit, being that I had set up a payment arrangement with SOUTHWEST COLLECTION, and had already made 2 payments towards that agreed upon arrangement. The rep informed me that he would not remove the collection and that I should pay it in full. I advised him that I did not have the funds to pay in full at the moment. After a bit of back and forth he ultimately refused to remove the negative collection and also threatened to delete my payment arrangement and auto pay and my credit would never be fixed. At the time the next payment should have been deducted from my bank account in XXXX, but the payment was never made. So I assume he made good on his threat and removed my arrangement without my authorization. Now the collection is still on my credit report, and increasing in balance by {$3.00} a month. I feel this companies rep and practices are unethical.
Product: Debt collection

The company, Simm Associates, continues to call our home repeatedly after we have told them that we are not the debtors whom they seek. They call at all hours and are unresponsive to our requests to take our phone number off the call list.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed that my consumer privacy rights were violated. In accordance with the Fair Credit Reporting Act the list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602a. 

XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 604 A section 2 it also states : a consumer reporting agency can not furnish an account without my writing instructions. Under 15 USC 1666b as it states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please be advised that I did not give consent for any agency to report on my consumer report.
Product: Debt collection

The company sends texts and emails multiple times a day. I assume they are trying to call but they use shady phone number spoofing tactics. 

I have asked them to stop contacting and harassing me and they just ignore the requests repeatedly. I attempted to tell them I refuse to pay and still constant contact.
Product: Debt collection

I have asked that these XXXX debts be removed multable times and they keep saying they are verifiable but they cant be because if web bank sold it to XXXX XXXX XXXX  it shouldnt be on my report and if they sold it they should have mailed me a 1099 and if XXXX XXXX XXXX bought the debt I dont have a contract with them it shouldnt be removed the names should be removed because my name is XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wisconsin any other address should not be on my report because Mail is not deliverable to me by us mail I have requested that they remove them multiable times
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. 

List of Unauthorized Inquiries : 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  - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX XXXX Account Number XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have complet
Product: Credit reporting, credit repair services, or other personal consumer reports

Americollect, a debt collection agency, has reported the same accounts MULTIPLE times, resulting in one account alone, being reported as almost 50 collections accounts. I have filed disputes with and XXXX, XXXX, and Americollect has claimed that the information is accurate and correct. This is a fraudulent claim, as Americollect accounts on my credit report would have you believe i have been to the emergency room at XXXX XXXX XXXX XXXX XXXX upwards of 100 times. One of my disputes was finally resolved in my favor, resulting in my debt amount going down from {$52000.00} to {$23000.00}. There are, however, still multiple claims on my credit report, of accounts being report more than once. This is a cowardly and gestapo-type tactic that Americollect is known for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED INFORMATION WITH TRANSUNION AND THEY FAILED TO CORRECT THE ERROR BUT ADDED FALST INFORMATION TO MY CREDIT FILE. 
THE ACCOUNT UNDER THE NAME OF XXXX WAS NEVER LATE, PAID ON TIME AND CLOSED OUT. THEY CHANGED THE STATUS TO CHARGE OFF WHEN THIS ACCOUNT WAS NEVER CHARGED OFF. THIS ACCOUNT WAS NEVER LATE, THIS ACCOUNT WAS CLOSED BY THE LENDER BECAUSE THEY CHANGED THE NAME OF THE COMPANY. 
AT THIS POINT, I AM READY TO SEEK LEGAL COUNSEL AGAINST TRANSUNION DUE TO ALL OF THE ERRORS THAT ARE ON MY FILE AS WELL AS THE ONES THEY REFUSE TO CORRECT. 
THIS ACCOUNT WAS NEVER CHARGED OFF!
Product: Credit reporting or other personal consumer reports

I am writing to demand your immediate attention to a serious discrepancy in my credit file a COLLECTION/CHARGE OFF entry persists despite the glaring absence of monthly historical data on the account. I want to underscore that, as per the 15 U.S. Code 1681i Compliance protocol, swift removal of these inaccuracies is not optional but imperative
Product: Student loan

Hello, I contacted Navient previously see complaint # XXXX. I attempted to call them and make arrangements several times ; however, their customer service agent or loan servicer " XXXX '' yells and talks over me, threatens, accuses me of giving Navient " bad checks. '' Its horrible, its abusive. I will not talk to him and Navient has set up when I call that he is the ONLY person that I speak to. I truly want to get this straightened out, and I have been attempting. I am attaching the letter I got from XXXX explaining that the checking account I HAD did not allow certain transactions that I was completely unaware of. That account has been closed and I have a new account. Navient was not my only error in this. So XXXX can get some help for his abusive presentation with customers. This company calls at least XXXX to 5 times a day, up until exactly XXXX, they call on Sundays too. For me to speak with XXXX?