23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attended XXXX XXXX in XXXX California and was told I had to take out a XXXX XXXX loan to pay for my schooling. When my school closed I received a loan forgiveness for my federal loans but had to continue paying for my genesis loan. They have transferred my account to University Accounting Service LLC and I would like to have these loans forgiven due to my schools closure.
Product: Credit card or prepaid card

I had store accounts with XXXX  and XXXX. At some point these companies started using XXXX XXXX  for to process credit purchases. I check my accounts online frequently and have never seen any unfamiliar activity. 

Synchrony sends emails each month notifying me of the payment due date and provides a link to view my bill and make a payment. I had NEVER been late with a payment and always paid in fulluntil XX/XX/2017. I wanted to pay early because I was moving. However, Synchrony would not allow me to log into either account so I could see the bills/balances and make a payment. Since I was moving at the time, I had no internet service for approximately two weeks. 

Apparently they have been charging me late fees since they will havent been allowing me to log in! Yesterday I called to get answers. First I sat through nearly 5 minutes of recorded messages and push this for that recordings. When I finally got to a live person I was transferred FOUR ( 4 ) times, sitting on hold between each transfer. At one point, I asked for a paper statement to be mailed to me and they refused. Each time my identity was verified, but I never received answers to my questions. Frustrated, I finally hung up. 

I called back and paid off the XXXX XXXX card for the amount they said I owe. I have no idea if that was the correct amount. Today I will do the same with the XXXX card, again having no idea if the bill is correct or not. 

At this point, I would like Synchrony to just close every account that I may have with them. My credit score is and always has been excellent and I do not want to jeopardize that with their lousy customer service practices. Ill stick to XXXX or XXXX for my credit needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX - partial account number ****XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach. The engagement number Equifax assigned to me is : XXXX. Please help me delete these innacurate accounts from my credit reports. 
XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX I tried to apply for credit in XXXX because I lost my job during the Covid 19 pandemic but because my identity had been stolen I was not approved for credit to help pay my bills. That resulted in negative remarks on my credit report in addition to the identity theft. This remained the same in XXXX, XXXX and XXXX. ( I will attach some recent denial letters, copies of my FTC reports, etc. ) In XXXX I had to purchase XXXX XXXX to draft all of my letters to the bureaus. I also paid for various applications and subscriptions to be able to make my affidavit of identity theft, to scan documents for my FTC and CFBP reports, etc. I submitted a claim for the breach and I will attach a copy of that as well. ( CLAIM # XXXX )
Product: Mortgage

I receved a letter on XX/XX/2019 that my mortgage was sold and not to send payment to old serviceing company.I had paid for XX/XX/XXXX due date on XX/XX/XXXX and my due dateis not till the XX/XX/XXXX son i oaid three weeks ahead then waiting for new Fay servicing i paid them on XX/XX/2019 for a due date of XX/XX/XXXX.Fay servicing says my mortgage is a DSI Mortgage that i never heard of and because there is 5 weeks between payment i must now pay an extra fee odd {$240.00} and i was never late but because there is mor than 31 days or somthing i must pay.In my 13 years i have been late and never had this charge this is all new to me.they say my interest rate is 10.61 somehow someone did not tell me truth.
Product: Credit card or prepaid card

My credit card company arbitrarily duplicated many of the monthly payments I made on my account but has failed to reflect any of the extra payments that were made on my account and continue to not show these credits to my account for all of these extra payments. It is nearly 2 years worth of extra payments and almost every month. A total of over {$6000.00} dollars of payments they continue to fail to reflect on my account. I have documentation of all payments taken from my bank account and I even have copies of all payments using the credit card companys online history. Even with al of this, they still have failed to issue the credits for all of the payments that were made and reflect them on my credit card account.
Product: Checking or savings account

Bank of America failed to offer me their $ XXXX  monthly fee account until I requested to close my account on XX/XX/XXXX. Bank of America Misinformed me on XX/XX/XXXX when I first called in about this fee saying it was bank error when I could have been advised of the correct reason as to the problem. 

XXXX, I called Bank of America about a monthly fee of {$12.00}. I spoke to XXXX. I advised the rep I had called in previously about this fee and prior rep said it was a bank error and reversed the fee as I was making direct deposits more than the amount required from employer and payactive. Rep was very unhelpful and blamed the fee on me not making enough direct deposits. I requested the rep 's supervisor. I spoke to XXXX. XXXX for the first time advised me that she showed the direct deposit coming in from my employer and the other was coming in as a debit deposit from " XXXX '' which was not considered a direct deposit. I advised her that the rep named XXXX that I spoke to about the same issue on XX/XX/XXXX had advised me it was a bank error as she confirmed the direct deposit from employer and XXXX  were more than the minimum direct deposit required to have a free checking account. I asked to close my account. XXXX then offered me for the first time a checking account with a monthly fee of {$4.00} which I accepted. XXXX however did not reverse the $ XXXX monthly fee charged on XX/XX/XXXX. 

I have had my account with Bank of America for more than 15 years since I was a freshman in college. I have direct deposit coming into this account from one of my employers through the employer itself and XXXX. This account had always been an account with no monthly fee. Many changes had happened with Bank of America over the past year 's and I had always seek an account with no fee with Bank of America. Bank of America never offered me their $ XXXX  monthly fee account until I requested to cancel it. 

I feel Bank of America reps XXXX and XXXX had treated me unfairly and could have resolved this issue regarding the XXXX XXXX monthly fee assessed for the second time based on the misinformation and lack of information provided to be by the rep named XXXX.
Product: Credit reporting or other personal consumer reports

late payments inaccurate was suppose to be in deferment status. 
XX/XX/2018 DEPT OF ED/XXXX XX/XX/2018 DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XX/XX/2018 DEPT OF ED/XXXX  XX/XX/2018 DEPT OF ED/XXXX  XX/XX/2018 DEPT OF ED/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report, it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting

XXXX/XXXX/2015 XXXX / XXXX Hard Inquiry not has been deleted my credit file 60 days already passed
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to Transunion 's multiple glitches in XX/XX/XXXX and XX/XX/XXXX relating to " disappearing '' and " reappearing '' inquiries, I requested the removal of the inquiries from my credit report as I felt the information on my report was n't being securely stored or accurately reported. I called transunion and they were not able to remove the inquiries on my report.
Product: Credit reporting or other personal consumer reports

I discovered some unauthorized inquiries on my credit report today, and I dont understand why. I always check my credit report, but this time there were unexpected discrepancies. I tried refreshing my browser to see if it would fix the issue, but it didnt work. The inquiries remained. Im really frustrated and would like the documents Ive sent to be carefully reviewed so I can stop worrying about this problem.
Product: Debt collection

I have paid this company thousands to get out of a lease that terminated in XXXX. They are trying to make us pay XXXX more dollars- some of this is stating that it includes a carpet that is XXXX XXXX XXXX but in the lease, we signed only XXXX XXXX per charge on the damaged spot. On the bill, it states that the carpet is XXXX months old - if the rug was XXXX months old in XXXX ( the date they wrote this ), this means that someone would have broken into the apartment to place the carpet without our consent of entering because we were living there in XXXX of XXXX. This company is known for charging everyone for " destroying '' their carpets. '' They are also asking us to pay a termination fee of which we spent our part already- XXXX There are already tenants replaced in the apartment- why are they asking us to pay for them? There should only be a XXXX $ negative balance on the bill, and they are now trying to charge us XXXX $ more when we moved out in XXXX!!!!! -- -- If no tenants were replaced, we should only owe XXXX XXXX If NO tenants were replaced, and in fact, we did not sign an agreement that we would replace the carpet, which we did NOT. The company should ow us XXXX XXXX They need to leave us alone and quit harassing us for money. We moved out of this apartment early because the living conditions were unimaginable, with XXXX XXXX everywhere in the yards not being picked up and the workers and maintenance men sneaking in at night using the trash bins for their personal trash, which I have on camera.
Product: Credit reporting or other personal consumer reports

Legal Department : Recently, I found that the information you are providing on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well.

As you know, all incorrect and inaccurate information MUST be IMMEDIATELY REMOVED from my credit report.

I attempted to contact the below creditor listed below and received NO response to my request. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, creditors are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report. I am including PROOF that each creditor received the notification more than 30 days ago and DID NOT respond nor did they remove the item ( s ) listed on my credit report. 

Account Name : XXXX XXXX  Type : Revolving - Account : XXXX I attempted to verify this debt and received NO RESPONSE from the above company ( see attached proof of this verification. ) According to FEDERAL LAW, this creditor had 30 days from the date of my request to validate the debt and they failed to provide any information concerning this debt. This debt is NOT mine and needs to be removed immediately from my credit report. 

On XX/XX/year>, XXXX removed the above mentioned account accordingly per my request. 

XXXX and Equifax should please follow suit as reporting this account is against federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, which I believe is a mistake. After reviewing my credit report, I have identified the following entry that I would like to have investigated and corrected : Creditor Name : XXXX Account Number : XXXX Date of Late Payment ( s ) : XX/XX/year> & XX/XX/year> Reported Late Payment Status : 30 days & 60 Days Late The information in question is inaccurate because the creditor is reporting different information to each credit bureau. I've attached a copy of each credit report. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable, and I believe this entry falls under that category. 

Under FCRA Section 609, I request that you investigate this error within 30 days and provide me with the results of your investigation. If you are unable to verify the accuracy of this late payment entry, I request that it be promptly removed from my credit report.

Additionally, if the creditor can not verify the accuracy of the information, or if they fail to provide documentation of the late payment, it must be removed in accordance with the FCRA. As outlined in Section 611, you are required to notify me of the outcome of your investigation, and if the dispute results in a correction or removal, an updated copy of my credit report should be provided. 

Please inform me of the outcome of your investigation as soon as possible and provide me with a written confirmation of any corrections or updates made to my credit file. 

Thank you for your attention to this matter. If you need any additional information or documentation from me to facilitate the investigation, please do not hesitate to contact me via email at XXXX.
Product: Mortgage

A reverse mortgage was taken on the residence in XX/XX/XXXX. The mortgagee died in XX/XX/XXXX. As a trustee of the estate, I have tried since XXXX to get the payoff amount on the loan, to pay it off so the house can be sold. The company, American Advisors Group, has stalled and avoided providing this information since XX/XX/XXXX and it is now XX/XX/XXXX. I have been told the the payoff amount will be sent within 7 to 10 business days at least 3 times. Each time the payoff amount changes before I can get the payoff on the loan. I have since found a buyer for the property and the American Advisors Group ( Reverse Department ) then required their company to do an appraisal on the property. This took several weeks and I am now having the same trouble getting the appraisal from them. I have spoke to several customer service representatives regarding this issue and each time there has been an error on their part to include sending the information to the wrong email address! My frustration has peaked and I asked to speak to a supervisor to get the problem resolved and get both a payoff and a copy of the appraisal. I was again told 7 to 10 days before it could be sent. I spoke to XXXX who claimed to be the supervisor and she told me that nothing could be done and that their procedures involved other departments and the 7-10 day timeline would still be observed even though the mistake was theirs, meanwhile the interest on the reverse mortgage continues to grow and consume the equity left in the property. I asked to speak to XXXX 's supervisor and she refused to accommodate the request and said that it was n't necessary and that she was the only supervisor necessary for me to talk to, preventing me from escalating a complaint. This is a clear stall tactic being employed by the company to delay the payoff of the loan and to bolster their profit. There is no recourse or process available internally to get American Advisors Group to provide timely service on such a predatory tactic, contacting an actual supervisor to file a complaint is impossible at this point. I am begging for assistance through the Consumer Financial Protection Bureau. Please help!
Product: Credit reporting or other personal consumer reports

I have called the reporting agencies and let them know there are so many things wrong with my report like First off the accounts included below are NOT supposed to be visible on my consumer report. 
I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights. 
This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report in 5 days.

Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are also in violation of not reporting 100 % accurately.

15 U.S. Code 1681s2
Product: Student loan

My problem is with National Collegiate Trusts. I have been sued in California Courts over an alleged debt. My understanding is that in the case that CFPB brought againt them, they agreed not to sue until these debts have been audited. Is this agreement still in force? If it is, are they vilating this agreement by suing me? Lastly, how can I become a member of this class?
Product: Money transfer, virtual currency, or money service

I closed my XXXX account in XX/XX/2021. The company said that in XX/XX/2021 they returned my {$990.00} by electronic transfer to my Chase bank account, which is the originator of the fund. However, I have never received it. I contacted XXXX more than 7 times, but can not solve the problem. In our last conversation XXXX weeks ago, XXXX said the money is at Chase bank and asked me to contact Chase bank. However, Chase bank said they did not see it. It is really hard for a customer to be pushed between these XXXX banks.
Product: Mortgage

Due to XXXX, I experienced financial hardship, and my mortgage went into forbearance. Instead of offering a deferment, Axos Bank only offered a XXXX mortgage with a XXXX balloon payment. It didn't seem reasonable to expect financial stability in 12 months. 

I worked as a mortgage professional for many years, and I knew from the beginning that it was a bad idea. I repeatedly requested other options and was forced to proceed. I prayed that they would reconsider and offer me another reasonable option. Instead, they offered me a refinance that would increase my current mortgage payment by {$1500.00}, and I can barely afford my current payment. The 12 months were up last XXXX and the interest rate has more than tripled to 18 %. 

I feel that Axos Bank took advantage of the situation and what they are doing is predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX NA Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; SYNCB Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX/ Date of inquiry : 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/XXXX ; XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX