23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I Recieved a letter from a collection agency about an amount of debt of {$4500.00} owed to XXXX XXXX XXXX after seeing the letter i immediately called XXXX and complained about the amount owed and said i have never attended that school. they proceeded to ask me am i sure and i reassured them that i have never EVER attended the school not online or in person for any classes, majors, or certifications. they said they would email me a claim number and i should hear from someone very shortly in regards to the claim. now i have never received a call, email, or letter about the update. XX/XX/year> i seen EASTERN REVENUE INC flagged my account as unpaid/ past due as of XX/XX/year> was added to my credit profile. and today XX/XX/year> i seen that the same debt collection company EASTERN REVENUE INC reported to my credit profile with a collection of {$4500.00}. drastically dropping my score by XXXX points. i immediately called XXXX XXXX XXXX back at XXXX XX/XX/year> and explained to them that they already told me they would open a claim the last time we talked and how i now i a collection reporting for debt i dont even own. their response was ill try to push it through again and you should hear something back in regards to the claim in 2-4 business days i asked for a claim number up front and was told my claim number was # XXXX
Product: Vehicle loan or lease

We purchased the vehicle in XXXX of XXXX. Since then we have had XXXX children ( both XXXX XXXX XXXX and lost wages ) I am currently XXXX with our XXXX baby. We had to move and in XXXX of XXXX I made a payment and was told it was for XXXX. Today XX/XX/XXXX, I spoke with XXXX. She states that I now owe for XXXX, XXXX, and XXXX and that a right to cure letter was sent to my current address ... that we moved to 7 days ago, stating that we were in default and had to be completely paid by XX/XX/XXXX. I explained we just moved to this address and I never received the letter. She said regardless I needed to pay by Saturday morning. I do not have the find until XXXX and explained that multiple times. She stated I needed to pawn items, borrow money, get a payday loan ( which are illegal in Arizona ) or she would start calling the references we provided to ask for money. I asked what would happen if I didnt pay by Saturday and she refused to tell me. She said she would notate the account. Its currently 68 days past due as of today the XXXX. I am receiving a settlement payment around the XXXX and had planned to make it completely current then. They have also reported me late multiple times in one month to the credit bureaus so its hitting my credit 3-4 times a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is constantly reporting an account from a pay day lender by the name of XXXX XXXX XXXX, that I never opened, nor never applied for. It has been removed from my credit report 2 previous times. The first time it was removed from my XXXX report. The second time it was removed from my XXXX report. It is now being reported on my XXXX report and should be removed immediately as a fraudulent account, from information most likely obtained through and XXXX data breach earlier this year.
Product: Credit card or prepaid card

Elan Financial stole my {$300.00} deposit. The company stole my account information charging hundreds of dollars to my account. The Fraudulent actions resulted in illegal charges of {$140.00} dollars in financial charges, XXXX dollars of fees and the dilution of the security deposit. <P/>This company has illegally submitted negative information to the credit report agency. The company has diluted the security deposit ( {$300.00} ) but, states on the credit report a balance including the {$300.00}. <P/>The previous complaint has n't resulted into a sensible response. The company has admitted to not researching the Fraudulent charges that was made my their employees in a timely fashion. The company previously admitted to illegally charging finance and annual fee to the closed account. Lastly, Elan Financial stole the account deposit without submitting the legal federal paperwork. The security deposit account was in my name with US Bank,  this company dilute the account without filing papers with the court.
Product: Mortgage

I am a senior citizen on XXXX a fixed income. due to my condition a modification was negotiated with Ocwen loan Servicing LLc in XXXX with a deferred {$XXXX} at loan term in XXXX. after much litigation, as Ioan had no prepayment penalty I paid all bearing interest principal in full, {$XXXX} monthly payments were made {$XXXX} principal & {$XXXX} escrow. Ocwen then decided to refuse monthly payment after a year of litigation they realized I was complying with modification terms. in XXXX Ocwen decided to modify except they demanded I pay {$XXXX} to start modification. to me it was surprising as I never heard of payment to modify person 's loan on XXXX. ocwen refused paymwents twice, then I included Ocwens representative 's correspondence which stated I was to pay principal bearing interest first then with no penalty. 
as seen in attached documents, with my family 's help I managed to pay all monthly payments in addition XX/XX/XXXX {$XXXX} in following months We paid another {$XXXX}. in XXXX we paid over {$6000.00}. XX/XX/XXXX taxes and insurance as seen paid into escrow. PHH is demanding more escrow for projection which is unfair as I already send my entire Social Security check to satisfy loan. We no late payments or past due except PHH wants to add over {$3000.00} dollars to loan for projections. I advised PHH that my modification is specific to exact payments due to limited income. to no avail even talking to managers.
Product: Checking or savings account

Bank of America is unfairly holding my funds in the amount of {$1300.00} in retaliation for a previous claim I filed against them. I had my account closed which was also retaliation. I received funds from the XXXX  for a XXXX  that I XXXX  and XXXX  that came in my name which Bank of America at that time had no policy in place For whatsoever and my loan officer from the XXXX told me this himself in fact he explained to me that receiving a grant or loan from the XXXX could be for a multitude of reasons including but not limited to research and development so it would not matter if I used a business account or not to receive those funds as long as I am the personal guarantor as per XXXX  policy. Bank of America and XXXX XXXX ( Bank Manager XXXX XXXX XXXX, XXXX Il ) did not want to honor those terms so I filed complaints with the attorney general, cfpb, fdic and other respective entities and he and his boss ( XXXX ) quickly obliged and released my funds because they knew they didnt have a policy in place but later retaliated by closing my account and now holding my funds. They are now stating after they released the funds to me months ago that I must provide documentation for my business to receive my funds which is most likely from a policy that they adopted after my interaction with them. This is discrimination, retaliatory and egregious at a minimum and I demand my funds be released to me without delay. I filed a claim with Bank of America XXXX XXXX XXXX XXXX was my point person from there resolution department but he never got back to me at all after I left several voicemails. This is a conspiracy to inconvenience me and I intend to seek legal representation and damages.
Product: Payday loan, title loan, or personal loan

The personal loan was originated in XX/XX/XXXX with maturity in XX/XX/XXXXwith 5.99 % APR if I had an auto payment from a PNC checking account. I usually transferred money from XXXX checking account into my PNC account prior to auto payment due date ( XXXX of the month ). 
In XX/XX/XXXX they started to charge my checking account at PNC and I was notified before however the payment from XXXX to PNC was not increased by me ( my fault ) and I got my first Not Sufficient Fund! I fixed that issue by changing my PNC checking account type. The payment was paid in full in XX/XX/XXXX without going any cycle past due. 
In XX/XX/XXXX the money was in transfer from XXXX to PNC checking ( the weekend is not counted for transfers ) when I got my second NSF! The payment was paid in full again after the fund transfer was completed. 
After that a series of issues started 1- PNC bank cancelled my auto payment plan 2- they increased my rate 25 basis points. 
After talking to two customer service specialists I was told by both of them, it should have happened after 3 NSF while I had 2 of them so it's wrong and they filed the rate dispute for me. Finally when I asked to talk to a manager he didn't even bothered to look into my account, credit bureau profile and payment history with PNC. He immediately started to say the decision has been made and there's no appealing process or complaining system in place. He mentioned it's a pure subjective decision making process to increase your rate whenever they feel it's needed not 3 NSF as previous agents mentioned. They training has huge flaws. He even couldn't answer my question about how he came up with this idea that my payment pattern is showing a risky pattern!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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, credit repair services, or other personal consumer reports

I was incarcerated for almost 10 years. I was released XXXX. All my information was stolen and accounts have been opened and debts accumulated beyond belief! This is a very frustrating process. This complaint is for XXXX  and XXXX XXXX signs. They have listed multiple accounts as well as bad checks. US Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and a bad check to XXXX.
Product: Credit reporting or other personal consumer reports

In the latest credit report in under my account there are several errors that falls under all or one of the following : Failure to Address Disputes Properly.

Outdated or Inaccurate Adverse Information.

Privacy Act Violations. 
Inaccurate or Confusing Information Potential Incomplete or Incorrect Remarks on Closed Accounts I hereby revoke any prior consent provided to XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XXXX, written, verbal, or otherwise, to share or report any of my nonpublic personal information to third parties, including CRAs. 

See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got hard inquiry report on my credit, the report said a hard inquiry being pulled on XX/XX/XXXX from XXXX XXXX XXXX/XXXX XXXX, I called the no on there ( XXXX ) and said that theyre not responsible for the report being made, what should I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

My Federal Student Loans were discharged under President Trumps, XXXX XXXX XXXX XXXX XXXX, XXXX Veteran Loan Forgiveness Program on XX/XX/2019. XXXX  and Equifax are still reporting these accounts with an outstanding balance.
Product: Credit card

I used a Home Depot Credit card to purchase lawn equipment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which was supposed to be delivered on XX/XX/XXXX. After receiving a notification from XXXX that the package was delivered, I immediately called the XXXX XXXX XXXX center to inform them that I had not received my package and that the proof of delivery photo did not match my house. The representative said that they would contact the supervisor for the delivery driver and have them go back to the location where it was delivered. I waited XXXX business hours before calling for an update. I received a text notification that I should reach out to the shipper to file a claim. I called Home Depot to start a dispute and was informed that the investigation could take up to XXXX weeks to be resolved. I also reached back out to XXXX  to start a dispute on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Home Depot Services with the status update about the claim. As of XX/XX/XXXX, the claim was denied and they cited the XXXX  proof of delivery and documentation was provided with the letter. On XX/XX/XXXX I called XXXX to get a Case number to provide to Home Depot which could could possibly prove that I sent photos of my front door for XXXX  to compare to their proof of delivery photo in hopes that this would prove that the package never made it to my home. I was told that they needed a " XXXX XXXX '' in order to launch an investigation on their end. I then called Home Depot to fulfill that request and was told that I should receive a credit to my account within XXXX to XXXX business days and that the " Shipper waiver '' would not be necessary. On XX/XX/XXXX, I noticed that the credit was never issued on my Home Depot statement. XXXX also sent an email on XX/XX/XXXX to say that Under Terms and Conditions, the shipper did not request a signature to be required at the time of delivery and therefore they were unable to approve the claim. I called Home Depot to check the status of the refund and they asked me to call CITI Bank, which is the company who issues the card, to claim a refund. Citi Bank told me that they would launch their own investigation which would take an additional XXXX to XXXX business days. On XX/XX/XXXX, I called to check the status and was told that the claim was denied and they cited the same delivery information from XXXX. I reached back out to XXXX  and no one has responded. Citi Bank also said that Home Depot would have to approve the refund before they could issue a credit. I spoke to a supervisor at Citi Bank who started a conference call with Home Depot to possibly resolve the issue. After an hour of conversation, the result was that both Citi Bank and Home Depot told me that there was nothing that they could do since XXXX had the proof of delivery albeit to the wrong address. XXXX Tracking # XXXX XXXX  Case # XXXX
Product: Credit reporting or other personal consumer reports

My account with DEPT ED XXXX was never late! I have had exceptional payment history with DEPT ED XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

DEPT ED XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Debt collection

This company is attempting to collect an erroneous collection from me. I have disputed this every month from XX/XX/XXXX to XX/XX/XXXX between the company itself, XXXX XXXX XXXX XXXX XXXX. However, I have received computer-generated responses and have not had a thorough investigation regarding the dispute or a human manual review. 

The correct violations are as follows per the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions/permission. They have no permission to report ANYTHING using my info pursuant as outlined in section 4 18 U.S.C 8, I owe no debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

Deposited a check by mobile deposit on XX/XX/2023. After funds were issued to my account on XX/XX/XXXX I withdrew money on XX/XX/XXXX in morning. Then. That evening I noticed my account was negative and theres was no longer any sign of check being deposited I immediately went to bank XX/XX/XXXX to see what was going on. Upon looking into situation manager was XXXX. We could see deposit in my deposit history but it was completely gone otherwise. At this point he told me to call XXXX number because he didnt know what to do. I called number and was put on hold for an hour and a half. All three representatives had no idea what to do so an investigation was started. On XX/XX/XXXX I was contacted by investigator who said he could see where check was deposited but file must have deleted but he could see check image and had no idea what was happening He said money would be deposited now today XX/XX/XXXX I still have no money deposited. So I called again to be put on hold for over an hour. Finally when talking to representative who had no idea what to do and could not get any answer from technical department told me to redeposit the check. When I asked for his name he hung up. Ive had this account at Citizens for will over 10 years. This is a business account and money is for customers material
Product: Credit card

I disagree with the account listed below which still appears on my credit report, even after their investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my XXXX XXXX The inaccuracies are highly injurious to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$8200.00} ( Paid Off )/ XXXX : XXXX XXXX XXXX XXXX XXXXXXXX / XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  XXXX. This company has continued to violated my rights in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card. 
They had the wrong address for me and so I was not receiving my bills for a few months.My unit is XXXX and all my XXXX XXXX mail was sent to unit XXXX and I was not getting any of it. Although I tried a few times to get it corrected it took a really long time. In addition I did not have online access since I did n't have my card because it was mailed to the wrong address they had and I needed the card to set up online access. So I was sending payments from my personal bank online bill pay and it took a long time for it to get processed since my bank needed to snail mail the payments out. During this time I had 2 late payments over 30 days less than 60. 
These are the only late payments on my credit report. 
I called XXXX XXXX and they said I should file a dispute with Transunion and get back to them. I did. under file number XXXX. I stated my reason that the address was wrong and so I was not getting my bills. The investigation came back with no changes. 
So I called XXXX XXXX and spoke to XXXX who says her ID is XXXX. And she spoke to her manager. She told me because it was n't a 'bank error ' they could do nothing about it. 
She suggested I file another dispute. She said there was no other department to talk to. 
I pointed out it would be silly to do the very same thing I did and expect different results. 'But nothing Right now I just want to talk to someone who can clearly explain the matter and work with me beyond just telling me to do what I already did. Thank you
Product: Debt collection

Reference : ARS ( ACCOUNT RESOLUTION SERVICE ) - {$470.00} On XX/XX/XXXX, I applied for an apartment and was told I had negative collections on my credit files. I was not aware of any collections and contact the credit bureaus XXXX, XXXX  and XXXX  and advised that the account do not belong to me, nor had I ever been notified about any past due account with this company. All three bureaus came back with the account had been verified. I was never contacted by any one nor can they validate that the accounts belong to me. 
I am waiting for some kind of documentation from the creditor or collection agency, so that I can dispute the debt, but as of today XX/XX/XXXX, have not been contacted in writing and it has been thirty ( 30 ) days, since I disputed the entries on my credit files. 

Thank you XXXX XXXX
Product: Checking or savings account

I wanted to open a brand-new business checking account with Navy Federal Credit Union XXXX I was told I was unable to open account because, of a bankruptcy that was filed in 2002. They allow me to open a savings account but not a business checking account. I advised the phone agent that was over 20 years ago, and she said it didn't matter. She then proceeded to provide a listing of all accounts that were included in the bankruptcy filing which, I didn't request.