23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We sold our house in XXXX, 2021 and there was an escrow balance of {$3000.00} that we should receive, before we changed our address a check was sent to the address of the property that was sold. We talked to the mortgage company ( Guaranteed Rate ) and changed our address and then called back again to request a new check ( they would not take both the requests at the same time ) then they told us to wait 30days to call back to request a new check. We waited and called back on XX/XX/2021 and the representative we spoke with said they would issue a new check to the right address and it would take 10 business days. As we have not receive the check even after 20 days, we called back again in XX/XX/2021 and the representative is telling us that it can take 30 to 60 days to process this request and there is nothing they can do and would not provide any form of request ID or number. Especially during times like this ( Covid ) it is very hard to not have your own money to use for expenses and these big corporations are taking so long to return our money. Their estimated time of when we will get our money is XXXX - almost 4 months after the loan was paid.
Product: Debt collection

I have two accounts on my XXXX credit profile for medical bills for {$500.00}. They have the same account number and have been there since XX/XX/2020. I have, over the years, contacted the credit bureaus and United Revenue Corp multiple times asking them to prove that either or both of the bills are mine and what they are for. I have NOT had any reply and they remain on my report. I have asked why there is a duplicate, if they are separate, asked for itemized bills, contracts, or any information verifying the bills. They simply will not respond. I do not believe either bill is mine, but I am positive that there are not two bills with the same amount, date, and account number. I have attached a sampling of the letters sent in the past
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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX, XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX XXXX is inaccurately reporting that this account has late payments. I noticed on a previous statement that they have a person named XXXX also with the same account number listed on my same statement. This is the source of the problem. My name is XXXX XXXX XXXX XXXX and I have never missed a payment and paid that account off a long time ago. They even have the wrong name on the statement. Its very strange what they have done.They have my account confused with as much as two different people! I spoke with the manager there and they have agreed multiple times to delete this account or update it to never late as it should be. However now they keep avoiding me and telling me the manager is out and that he will call me. They never all and are clearly dishonest and shady people who know they are not complaint and are choosing the not acknowledge the error and keep reporting to the credit reporting companies that the status they report is accurate. See the attached document it proves there is great confusion within their system and that it should not be trusted. You all are required to comply with FCRA and FDCPA and delete this account immediately since its clear there is obvious identity theft and unfair reporting practices by this data furnisher or creditor. This account is causing severe impact to my financial, and work life. My health and family life is greatly impacted. It is very inhumane to and down right wicked to be so callus and apathetic about this issue. I should not have to ask again. Please delete this account and keep it off my report.It is a lie to report this as verified! This is preventing me from getting lifesaving medical treatment! I am going to make this public. I could potentially die because this company won't comply with FCRA and FDCPA laws and delete this account!
Product: Debt collection

My mother recently passed away on XX/XX/23. On XX/XX/XXXX, I received the letters of administration & forwarded them to my mom 's banker same day and told her I wanted to pay off her Truist credit card immediately which was due XXXX. Instead of replying in a timely fashion while still holding my mother 's accounts closed, Truist turned the account over to XXXX collection agency! They called me from a scrambled number and insisted I owed them and Truist was their client. When I checked with XXXX XXXX at Truist she said I had to pay them. As soon as she released my mother 's funds, I opened an estate account and paid all my mother 's bills. I sent a check to XXXX and they refused to cash it. After 7 days I called them and they scoffed at the starter checks that every other creditor had cashed, and told me I could not sign the checks " The Estate of XXXX XXXX XXXX '' which is how the bank told me to sign the checks. They refused to deposit the check! and then extracted personal information from me in a very sleazy way, insisting they want to make an ACH withdrawal from the estate account now. I am not comfortable with this XXXX and I am XXXX that they refuse to cash the check, and have the nerve how to tell me to sign it. I am only trying to pay the bill off in full!
Product: Student loan

Hello, I am XXXX years old and have a decent job working for XXXX XXXX XXXX XXXX XXXX. For work, I help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In order to get to this position, it took 1 year of prerequisite XXXX XXXX XXXX at XXXX XXXX XXXX University and then 2.5 years in a XXXX program at XXXX University in DC. This was unbelievably expensive and after 5 years of payment, almost all of my principal balances exceed the loan original balances. This is mostly due to " Private '' student loans. My federal loan debt is {$100000.00} and my payments are $ XXXX/month ( which is very reasonable ). My private loans are another story. I owe {$53000.00} and my payments are $ XXXX/month. ( This amounts to about 1/3rd of my monthly income. ) I repeatedly asked the private loan companies ( XXXX and Nelnet ) to reduce my minimum payment due to meet my income and they have repeatedly refused to work with me on this. My interest rates on the private loans range from 6 % -8 %  and they consistently treat me ( their customer ) like it 's my fault that I can not afford the payments. My credit has suffered when I made late payments while trying to make rent. I am not alone. Many of my friends and professional colleagues are in a similar position. Ideally, I would like to see private student companies be required to offer income-based repayment just like federal loans. It seems like a very reasonable way to allow young professionals to be able to be more financially stable. I would like to see private student loan interest rates also capped at 5 % or lower. This is one of the main reasons for me and many others being stuck in this endless debt cycle. I would also like to see a much larger student loan interest deduction. In 2016, I paid {$5700.00} in interest on my private student loans however ; I was only eligible for a {$2500.00} deduction. If you could push for private student loan reform and an increase in the student loan interest deduction, I would guarantee you would find overwhelming support from the majority of the students and folks who have a ton of student loan debt. I live in XXXX ( XXXX XXXX XXXX XXXX XXXX ) and would be glad to meet and chat about this request anytime. Many thanks in advance, XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I took advantage of a 0 % balance transfer offer when I visited the website to check my balance which at the time was {$0.00}. I had other offers for 0 % interest but took advantage of this one. I was charged the regular rate 17.24 % on the initial balance transfer and the following statement. The customer service team has repeatedly ignored my requests for a resolution and I have since transferred the balance to another financial institution. I am requested that all finance charges be reversed and I will be closing this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The school cited multiple reasons for closing, includingincluding declining numbers of XXXX students nationwide and a growing negative characterization of for-profit education. 
received notification on Wednesday evening, XX/XX/2016, that XXXX XXXX XXXX was permanently closing its doors at all 79 campuses. 
4 loans were taken out from XXXX and they are now called XXXX XXXX and U.S. department of Education. 
Contacted all 3 services providers and department about the matter also contacted all 3 credit bureau 's and this matter. 
Nothing has been resolved as far as to removing this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am writing to file a complaint against Equifax. I sent them my first round of dispute letters on XX/XX/XXXX and had not received a response. On XX/XX/XXXX well after their 30 day deadline I sent out a non response letter. Followed by round 2 letters on XX/XX/XXXX after another 30 days had past and still no verification of the accounts disputed I sent out another round of letters on XX/XX/XXXX. Yes 3 rounds of letters and Equifax continue to violate my rights according to the FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act, this creditor : XXXX XXXX and XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose. 

I never received a 1099 from XXXX XXXX for the account that was charged off.
Product: Checking or savings account

My company sent out my paycheck for payment on Tuesday. I am eligible for early deposit on Wednesdays but did not receive my paycheck deposit. It is now Friday with no resolution or explanation of when I am supposed to get my money. Rent, bills, car note, groceries, and traveling ( for work and other daily activities ) can not be paid or done because I do not have my money I work for.
Product: Credit reporting or other personal consumer reports

I would like to dispute off these inaccurate items on my credit report listed below. 

Equifax : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$19000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$640.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$19000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$640.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$19000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

Amex keeps changing my payment requirements without notification. I have been hacked every day for three years and to protect my account I gave let my balance stay high so the hackers can not make multiple fraudulent charges to my account and pay over the phone with a representative when I need to make a purchase. Several times I have tried to call and make a payment to open up enough credit on my card only to be told I need to pay sometimes as much as three times the amount I need to charge. Last time in Tuesday XX/XX/2021 I needed to charge {$590.00} & pay the remainder of my statement {$220.00} and Amex requested a payment of {$2000.00}. Was told a letter was mailed to my XXXX XXXX XXXX day before on Monday XX/XX/2021 which I would never have revived in time and did not have sufficient time to respond and take steps to make such a payment. This has happened once or twice in the past few months and may also be a stall tactic to enable the car rental company to mess around with my rental car. Separate issue that law enforcement has been notified as XXXX is looking into.
Product: Debt collection

I had open an account with XXXX XXXX back in XXXX. I terminated the service In XXXX, due to every month extra fees was added. I would call the company then they would credit the account. Every month they were scamming me for extra money. This account was taking off my credit back in XXXX. I checked my credit score and seen where XXXX has given my information to a third party called XXXX XXXX. Now they have opened an account on XX/XX/XXXX when the statue limits have ran out.
Product: Mortgage

Our mortgage company has our home insurance in escrow. They received our insurance bill in XXXX of 2015 for the XX/XX/XXXX payment. In XX/XX/XXXX, we received a phone call from our Insurance agent stating that our insurance was about to be canceled, due to lack of payment.We contacted our mortgage company asking why they did not pay. They gave us the run around, no one giving us a straight answer. I told them to pay it immediately. I was then told, they were given a grace period and would send a check out in time to pay the bill. I got off the phone frustrated and contacted my agent to let him know it would be paid. Periodically, I called the agent only to find it had not been paid. I called again and got another run around. We received a cancellation notice for non-payment. I had to call my agent and pay my bill via credit card to prevent our insurance company from dropping us. I have called twice to see if our taxes have been paid and once again no clear cut answers just talking in circles. I am frustrated and concerned about where our money is going.
Product: Consumer Loan

On XXXX XXXX 2015 my XXXX Mitsubishi Truck was totaled loss andNavy Federal Credit Union financed it and I purchased GAP because theRep ex plainer that my truck if ever loss would be replaced at Bill of SalesValue. The wreck was n't my fault and they took 100 % Liabilty for the XXXX Mitsubishi. 
XXXX NFCU paid XXXX XXXX from XXXX XXXX and willReimbursed from the they 're insurance. XXXX the Claims Repfrom NFCU refused to pay me XXXX. XXXX deductible stating it was included in the XXXX. Despite GAP Claim on NFCU Website they pay up to XXXX & XXXX for replacementvehicle. XXXX also has filed a claim demanding the XXXXGAP Reimbursement from the driver at fault insurance company. 
They refused me another vehicle because of my lowcredit score- that 's not what they 're sales representativeexplained to me XXXX XXXX years ago when I Purchased GAP norWhat they 're NAVY FEDERAL CREDIT UNION WEBSITE STATES. 
I 've been without my truck for a month and they received XXXX plusXXXX.XXXX and I still have my rights violated by NFCU FRAUDULENT SALESPRACTICES AT TIME OF PURCHASE.
Product: Checking or savings account

On XX/XX/XXXX, my XXXX XXXX account was scammed. My Bank of America Debit Card is linked to my XXXX XXXX account. Therefore, when the funds were taken from XXXX XXXX because of my card being linked to my XXXX XXXX account the charges were debited to my bank card. XXXX XXXX informed me they could only refund the XXXX XXXX amount taken from my XXXX XXXX but could not refund me what was taken from my bank account ; I had to contact my bank. 

I initially received from XXXX XXXX a text from a person pretending to be XXXX XXXX associate that resulted in the scammed transactions. I responded to the communication and the individual identified himself as XXXX XXXX ID # XXXX out of XXXX, NJ. I filed a police report regarding this issue. The police report number is XXXX ; XXXX XXXX - XXXX number XXXX was the officer that took the report on XX/XX/XXXX. I did not authorize or gave anyone authorization to make the charges against my XXXX XXXX account that is linked to my Bank of America Debit Card. After filing a claim with the bank for unauthorized charges, the bank credited my account for the {$500.00} stolen from my account on XX/XX/XXXX. 

On XX/XX/XXXX the bank reverse the credit of the {$500.00} stating disapproval of my claim. The bank stated I authorized or gave authorization to someone to make the charges against my account. I disagree with your findings and request that you credit my account of the {$500.00} that was debited against my Bank of America Debit card. After a phone conversation with a Bank of America Associate i was instructed to fax a letter regarding my disagreement to their findings. I faxed the letter and the results of the reversal of the credit remained. I am requesting that the {$500.00} stolen from account be return. 

***I am not able to upload the letters I received from the bank. I can fax copies if you need them.
Product: Checking or savings account

Citibank XX/XX/year> - recieved e-mail about Account closed due to fraud. No calls or questions about any fraudulent activities on the account closed right away. 

XX/XX/year>- went to local branch to get my remaining funds ( this was written on the email saying i can wait for the check in the mail or go to a local branch to get it sooner ). Banker said they can't do anything since the account is being processed to be closed already and advised me to call the number on the email instead.

called fraud department ( number that was on the email ). They said branch can release funds but the branch have to call back office first. 

Went back to same banker and asked for him to call back office to request the funds. Back office says they can't do anything as well just wait to be mailed within 60 days. No timeline or estimate time. 

XX/XX/year> - called fraud department again asking for any update about my funds. Says to go to branch to ask for funds. i told her I already been to the local branch and they said no. She said to just wait for the check in the mail. No tracking number yet so check hasn't been mailed yet XX/XX/year> - called fraud department again to ask for another update and they said it's still processing and there's still no tracking number yet so check hasn't been mailed yet. 

XX/XX/year> - called fraud department for an update. Representative said account is now FULLY CLOSED as of XX/XX/XXXX. She said they should mail it anytime now since it is fully closed. She also advised to go to the local branch to get it sooner if i wanted to. I told her what had happened prior saying the local branch and back office said they couldn't do anything to release the funds. She reassured me that they can do it and even said to call back fraud department on the day i go to the local branch so she could advise them to release the funds. 

XX/XX/year>- went to local branch and asked for my funds. They said the same thing they said the first time, they couldn't do anything to release the funds. They gave me a different number to call. I called asking for my funds, the representative only told me to write a letter to Citibank to ASK for my funds. I called fraud department again, as they advised me to call them when I'm at the branch, but this time they said they couldn't do anything NOW that the account is fully closed. I told him that the representative prior to him who I called just 2 days before reassured me that I can get my remaining funds and to even call them so they can advise the local branch to release it, but now he's saying that it's not accurate information and to just wait for the check to be mailed
Product: Checking or savings account

WELLS FARGO BANK FROZE MY MULTIPLE ACCOUNTS ON XX/XX/XXXX. WELLS FARGO BANK THEN PROCEEDED TO CLOSE MY ACCOUNT ON XX/XX/XXXX WITH NO EXPLANATION BEYOND A PARROTTED ROBOTIC RESPONSE TEMPLATE. WELLS FARGO HAS MADE IT IMPOSSIBLE FOR ME TO EVER BE IN A POSITION TO OPEN ANOTHER CHECKING ACCOUNT, OR ANY ACCOUNT FOR THAT MATTER, WITH WELLS FARGO AGAIN. AFTER RECEIVING AN ACH DEPOSIT FROM A COMPANY IN WHICH I WAS DOING BUSINESS WITH, THE COMPANY, XXXX, THEN TURNED PERFORMED AN ACH RECALL DUE TO A FALSE ALARM. THE COMPANY CONFIRMED THE BUSINESS ACTIVITY AS LEGITIMATE YET WELLS FARGO HAS CONTINUED TO CONDEMN ME AFTER BEING A LOYAL AND FORTHRIGHT CUSTOMER FOR OVER 7 YEARS AT THAT TIME. WELLS FARGO IS BEING EXTREMELY VAGUE AND PASSIVE-AGGRESSIVE WHILE LEAVING ME IN THE DARK IN REGARD TO THIS MATTER. ALL PHONE CALLS HAVE BEEN UNSUCCESSFUL.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I made a wire transfer to Bank of America ( BOA ) in the amount of {$4900.00} the wire was to go into the account of XXXX XXXX  for a deposit on a townhouse I am purchasing. However, the wire turned out to be an electronic bill payment made by my bank XXXX to BOA mortgage. XXXX XXXX  never received the wire. After several temps to trace the money and numerous calls to BOA mortgage, I have not been able to get any answers as to where the funds are and why they haven't returned my check? XXXX states that BOA had received and cashed the check. My bank issued numerous traces and disputes on my behalf. I have not heard from BOA regarding this dispute nor have I been able to get any answers to who's account the money was deposited to. I have called their customer service and even went into the local bank branch and no one has been able to assist or offer me any explanation or resolution.