23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I went into Bank of America to apply for an bank account on XX/XX/XXXX. I was told to call ph # XXXX. I call number gave them my info I thought it pertained to a fraud alert I have on my credit report. Little did I know, the agent to me that checking accounts had been open from XXXX to XXXX with my Husband which, I was only married for three months before his death and we had no accounts together. Woman stated the amount charged off for over $ 7k ( fraud ). I was then told about 4 other accounts open in my name in XXXX ( bank would not disclose the amounts ). I told them I was a victim of fraud I Bank America has never sent any letters or notice to me. I asked about the address listed for the account but, the agents said it was against federal law to disclose the address since, this was a fraud account. I never had any accounts with Bank of America. I filed an Identity Theft report with XXXX Police Department XXXX. I am very upset because this is the first time ( its not ever on any reporting agency reports. I would like to know what was purchase on all the accounts and the address this was sent to. Why would bank allow someone to open that many accounts in one year running up amounts? I need to know this I have a right ...
Product: Checking or savings account

I was supposed to be upgraded to the premium, black, debit card from this company Current. I contacted customer service 2 weeks ago and was told they were sending me out the premium, black debit card. Several days would arrived in the mail was a regular white debit card, not the premium black one which was discussed originally via chat when the order was placed. I then contacted customer service to complain and they said they would send me out another card which again was white. I again contacted customer service and was told they would finally be getting me out the black card as promised. I asked them to expedite the card. I was told that they would expedite the black card via XXXX. Another entire week go by with the car not being delivered, and no tracking information provided. I again contact customer service requesting an update and tracking information. I was told that I would be getting tracking information within 24 hours. More than 24 hours goes by without a response. I yet again contact customer service and am told that they have no updated information. I was told I have to wait until next week. This to me is completely ridiculous that this company just sends me in circles for several weeks. I want the black debit card I was promised, and I want credit and an explanation for my time wasted.
Product: Mortgage

I filed a complaint against Ditech Financial in XXXX. They resolved part of the issue but not all of it. The complaint should not have been closed. Complaint XXXX. Ditech Financial has been misapplying all of my homeowners insurance payments since XXXX. I have provided proof, my bank provided proof, I have called, sent letters, bank called on my behalf etc. refer to original complaint. I received a letter from Ditech admitting to misapplying all the payments. They stated they found all of them but XXXX and I need to pay XXXX. Really? Look harder! Ditech you think I have been fighting with you for months and I didnt send XXXX. You admitted to misapplying every payment since XXXX, yet you insist I am still behind. XXXX payment cleared by account XX/XX/XXXX and you have been provided proof multiple times. There will be no further payments. Your half apology is not good enough. Your staff has been rude and your company was and is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion customer service would not help and take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  Inquiry : 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 XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX
Product: Student loan

Navient has had a glitch in their system for 3 years, which I just found today, that shows that I owe {$0.00} each month on a specific loan. Where in actuality, I owe a specific amount each month and am being charged a very high interest rate and they are just sitting there collecting the accrued interest and money that I will someday have to pay back. I called and asked about this issue and they told me that it shows that I owe a certain amount each month and that it is in fact a glitch on their part. I asked them if they are going to waive the past 3 years of interest it accrued unbeknownst to me and he told me No, that it was my fault for not catching it sooner and that it specifically tells me each month on my statement that that amount is due. So I pull up the statement and it shows the loan, but everything says {$0.00} and every time I would go and try to pay on those loans as a group, it would always tell me there was {$0.00} to pay on it. I just assumed that it was the loan I paid in full a few years ago and showing that I owed {$0.00} on it. This is not the first time that something like this has happened with them. They have repeatedly wrongly allocated payments and charged me late fees, pushed me into forbearance multiple times, denied my release of cosigner after they told me I would be approved, caused confusion from their terrible user navigation on their website and automated phone system, locked me out online, and now this shady business of a " glitch '' in their system that they claim is my fault. I wish I would have never done business with them. It 's funny how easy they make giving you money and how hard they make it to repay them. They have caused so much stress to my life these past 5 years and I am currently seeking how to not have to do business with their company anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with Equifax. I have been faxing documents to them for years now. Equifax seems to refuse to update my information even when I send them supporting documentation. I have documentation to support the removal of these accounts from my credit reports. Equifax is the main credit reporting company. However, I think that needs to change.The following accounts are either fraudulent or need to be removed or have the payment history updated correctly on the account. This is in reference to confirmation # XXXX. I was trying to submit this documentation online but Equifax has issues with their online portal. The following accounts need to be removed or corrected : XXXX. XXXX XXXX XXXX Bank Account number XXXX. This account is fraudulent. This was a medical account and I had issues with these people. XXXX sent them paperwork so they could get the account paid for. XXXX spoke with me and said they paid the account and they said Equifax could see this on the XXXX XXXX XXXX report. This was not an installment account. Account needs to paid in full with no late payments and it needs to be on the medical report. 
XXXX. XXXX Bank XXXX CREDIT Account number XXXX. This account had fraudulent charges on it. It was closed out and the charges were deemed as fraud. The account has already been taken care of. I was asked for the specific charges by Equifax for this account. They have already been removed and the account needs to say paid in full and no late payments. 
XXXX XXXX CO Account XXXX. The account was paid in full. This account was not supposed to be charged off. The account sent me letter. I went to the office to get XXXX dollars for having paid the account off. But I resigned some documentation but never received the funds. So again, account should be reporting as paid in the full with no late payments period. 
XXXX XXXX XXXX  XXXX, XXXX Account XXXX. The account is very much fraudulent. I do not know anything about this account. I called the company at the number provided by the Equifax and informed them that this account is fraudulent. It just needs to be removed from my credit report period. 
XXXX. XXXX Account XXXX so this account fell underneath CARES act for the pandemic. I was trying to pay them but I just couldn't due to the social security XXXX. However, they were a predatory loan company and so there were issues with the XXXX. I was told it was only XXXX percent but it was not working out that way.I just need this account to be removed because they did not follow the provisions of the CARES act. 
XXXX. XXXX Bank, XXXX Account XXXX. This was a credit card with this bank. I had issues with the account. There were fraudulent charges and the bank ended up having to remove them. I have documentation to support this account. It should be reflecting paid in full with no late payments. 
XXXX. XXXX Now Rental agreement account number XXXX. This rental agreement was paid in full. I will have to see if I can get XXXX bank to give me access to the payments. There was also fraud involved with this account. Documentation will be submitted with this account.
Product: Debt collection

Approximately XXXX/XXXX/2015 I was contacted via mail to my residence by Credit Collection Services ( CCS USA ) with an address of XXXX XXXX XXXX XXXX, MA XXXX phone number XXXX related to a XXXX Insurance bill. I called and was asked for a phone number. I refused to give them my phone number because it is not my bill. They looked it up by the number on the notice and I asked them questions about the debt and explained that I had never had XXXX insurance and that the information they had in the file did not relate to me. They indicated that they would remove my address from the account. I have recently received XXXX additional notices about the past due bill 9 months after the first one. There is another person in the area who has the same name I do but I have lived in my house for 12 years and this is the first I am having issues with this. I explained if I heard anything else from them I would contact appropriate authorities about continued contact on a bill I do not owe.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XX/XX/year> Equifax Information Services , LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear Equifax, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Section 609 Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : 1. XXXX XXXX  Account # : XXXX Date Opened : XXXX XXXX Amount : {$720.00} I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


Sincerely, XXXX XXXX
Product: Credit reporting

I have been trying to get my free credit report from them and every time i try the telling me i have to pay to get it from them.
Product: Student loan

I received a summons from  Courtney and Camp   in  XX/XX/XXXX  regarding an  unpaid student loan from   XXXX   XXXX   University. I responded immediately to arrange an affordable payment plan. I explained to the representative that I would only be able to send what I could afford and it was never disputed. I was told that any payment  would be better than no payment at all. From  XX/XX/XXXX  to the current month of  XX/XX/XXXX , I ha ve been making  XXXX  dollar monthly payments by check. Once again, this has never been disputed by this particular representative or anyone working at the firm by phone call, mail, or any other form of communication. They have been accepting my payments and I have the bank statements to prove so. I made a phone call to the firm and spoke to someone by the name  XXXX  this past Monday about a writ of garnishment I received in the mail. It confused me because I have been making my payments on time monthly. My issue is that there was a paper inside stating for me to appear in court  on  XX/XX/XXXX ,  XX/XX/XXXX  and the postage on the mail is dated  XX/XX/XXXX .  XX/XX/XXXX  was on a Thursday. How would I have been able to make an appearance in court to plead my case when the papers were sent late by   the firm? It did n't arrive in my mailbox until the end of that week. It just makes me feel as if this was done purposely just so my wages could be garnished. When I tried to explain this to  XXXX , she was unbelievably rude and dismissive of the situation as if there was nothing else left for me to do except accept the garnishment. She made excuses by stating that I have n't spoken with anyone at the fi rm since  XX/XX/XXXX . If the onl y acceptable payment is by check and the payments are being made monthly, then why do I need to speak with anyone? How is it okay for this representative to tell me that  XXXX  dollar payments are not acceptable, yet they are still being withdrawn from my account? I do n't have anything to hide and my bank statements prove so because I 've been making my payments on time. No one ever stated to me that a certain amount had to be mail in to avoid garnishment. If what she says is true about them getting fired due to the amount in payments I 've been sending in, then someone needs to be fired immediately. This matter was poorly handled by   XXXX   and I want an explanation. I should not have to risk my wages being garnished and not having a place to stay because this firm failed to send my court papers on time. Not to mention, I have been making my monthly payments on time. I need answers from anyone that is willing to assist me with this problem.
Product: Debt collection

Closed account and returned cable box by mail thru XXXX. They continue to try and charge what is not owed to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion were XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the complaint number that I just received a response from Experian XXXX They lied and said that was a duplicate of this. 
XXXX They are liars please start an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft fraudulent accounts mid XXXX XXXX XXXX XXXX  keep deleting and adding accounts back on my credit report under my open and closed accounts These account do not belong to me and I didnt no open or apply for any of these accounts The creditor also change is to the XXXX XXXX XXXX and put it back on my credit report XX/XX/XXXXAmount XXXX XX/XX/XXXX Amount XXXX
Product: Student loan

I moved from XXXX to XXXX the end of XXXX XXXX, In XXXX XXXX Navient Told me I was past due on my loans. I asked that they consolidate my loans into one montly payment. It was decided I would pay {$290.00} from XXXX to XXXX and {$400.00} from XXXX to XXXX to avoid any late payments In XXXX, however, I learned that all the loans had not been consoilated and that I had to pay a one-time check for {$530.00} in XXXX XXXX to make up the difference. In addition, I just got my Transaction report and learned I had been past due 60 days on XXXX separate reports in XXXX -- {$93.00} on a loan of {$5500.00}, {$93.00} on a loan of {$5.00}, and {$310.00} for a loan for a loan of {$18000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I get my annual credit reports every year. I look it over to check for errors. On Equifax credit report, it is still showing my " XXXX XXXX XXXX '' account. ( This was paid off XX/XX/XXXX ). It shows it is closed. ( Under other accounts ). However, it should have come off my credit report in XXXX. I have called and disputed with Equifax many times. They tell me to call XXXXXXXX XXXX XXXX. I call them, and they said they took care of it on their end, and to talk with Equifax. Since I have disputed it, they are now using that date, for last activity date. So they told me now the date it will be taken off is XX/XX/XXXX! XXXX and XXXX have taken this account off a long time ago, without me even having to ask. I am a federal employee and I get credit checks every 10 years for my secret clearance, and I want this off! TY!
Product: Payday loan, title loan, or personal loan

I was forced to take a predatory loan that claimed to offer 90 day XXXX interest. After one late payment all the XXXX interest terms went out the window. I have since paid the debt in full and even over paid. They now refuse to refund me without reopening the account. They obviously do this to trap me into a never ending cycle of interest and fees. I have attached today 's email exchange. 
To XXXX : Refund the {$95.00}. Stop making things. difficult Stop scamming people.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00}