23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I submitted a refund with my student loan servicer ( MOEHLA ) requesting a refund, under the CARES ACT, for student loan payments that I made during the COVID-19 Pandemic though my prior loan services ( XXXX ) . I was quoted approximately 90 business days for the refund to be processed. As of today- more than a full calendar year since I submitted my request -- I have only received a partial refund ( {$2400.00} in XX/XX/XXXX ) and am still waiting for a large portion ( {$7500.00} ) of the refund to be returned to me. Since I submitted my request in XX/XX/XXXX I have followed up on the status of my refund multiple times and been provided multiple different, and conflicting, timelines for when the refund will be processed. On XX/XX/XXXX I was instructed to provide MOHELA with bank statements, as well as screenshots from my previous loan servicer 's website confirming that I made these payments. Since providing those documents to MOHELA I was told on two separate and subsequent occasions ( XX/XX/XXXX and XX/XX/XXXX ) that my refund would be expedited, and it would take approximately 10-15 days ( for a total time period equalling 30 business days. During this period I've spoken with supervisors at MOHELA who have told me that my request has not even been assigned an employee to look into my refund, and the extreme delay in processing it.
Product: Debt collection

Hello-A doctor 's bill was sent to the wrong address, so I received a debt collection notice via the telephone saying I owed payment. No big deal, I contacted my insurance company and doctor and they confirmed it was legitimate. I told the debt collection agency that I was in the process of contacting those companies and I planned to pay when that was confirmed. I received the XXXX notice about 10 days ago. 

I received a call from the collection agency today and was told they were going to report the bill to the credit agencies. I said okay, I 've confirmed it 's real and I 'll pay it online right now, since I do n't feel comfortable giving my credit card information over the phone. They said that if I pay online, it wo n't post for three days and by that time I will have my debt reported. I said okay fine - I 'll take that chance and I 'll have a confirmation email, which I can use to clear that up later. They said I would n't receive a confirmation email for the payment either, so I had to pay over the phone. 

This seemed odd, so I asked to speak to a supervisor and they said the same thing. I hung up and paid my bill online. Unsurprisingly, I received a confirmation email immediately. I called back 15 minutes after making my payment and I was told their system shows that my balance was paid in full. So obviously, all of those previous statements about online posting and confirmation emails were bold-faced lies designed to be pressure tactics. It was pretty disgusting.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a certified letter to Experian asking them to correct inaccurate information on my credit report. The letter was accompanied by extensive and conclusive evidence that the debt in dispute was previously settled with the creditor. My letter and evidence was signed for and received by Experian on XX/XX/2023. On XX/XX/2023, I received a letter from Experian that their investigation was " complete ''. However, the inaccurate information was never corrected or removed from my XXXX report. 

According to the FCRA, " If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it. '' I have attached my original dispute letter with accompanying extensive and conclusive evidence, confirmation that my dispute letter was received by Experian and a copy of their response for your review. 

After you review this information, please make sure Experian adheres to the FCRA and corrects or removes the inaccurate information from my credit report. If they fail to do so, please inform them of my intent to sue in Federal Court to have the erroneous information reviewed. 

Thank you.
Product: Credit reporting or other personal consumer reports

Until now, I received NO resolution from XXXX, XXXX and Experian despite my numerous efforts of sending them multiple letters in a mail. I have already spent so much time and money with these incorrect items that these agencies has been furnishing on my credit report. All I want for to have these accounts be totally remove from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I received an email notifying me that my account had been temporarily restricted due to irregular activity. The email stated that the issue would be resolved following a review within 7-10 business days. I contacted the bank several times over email and phone to attempt to resolve this issue. I offered to provide any information that would assist with confirming the validity of my account activity. I reminded the bank that this is my primary checking account, and not having access to the account for any period of time is considerably costly to me. And I asked to be regularly informed about the status of my case. Bank representatives told me on multiple occasions that they had requested an expedited review process for my account. However, the 10-business-day deadline has now elapsed, with no communication from the bank on the status of the review. My account remains inaccessible, and my debts are piling up. 

While I can understand the bank 's interest in reviewing accounts for fraudulent activity, I find the bank 's handling of this issue to be considerably prejudicial to the consumer. If the bank does not have the capacity to process reviews in a timely and transparent manner, it should not be in financial services business.
Product: Credit reporting, credit repair services, or other personal consumer reports

BBVA was bought by PNC I paid XXXX every month through auto pay with XXXX to BBVA on the XXXX of each month. Then all the sudden without my notice PNC incorrectly change my account to be Escrowed which I didn't give in consent to do. which this resulted in my normal payment of XXXX to go to over XXXX so the XXXX was short and I was unaware of bc they had an incorrect address on file. I continued to pay theXXXX being unaware and finally was contacted and explained the situation to PNC so they switched it back to XXXX but during the weeks and at least 10 calls they somehow still in correctly reported me 60 days late.?? which is strange because there is no 30 day? 
I have all my statements and documentation that I made every payment on XXXX of every month.
Product: Debt collection

They call several times a day. When I asked what account and the amount I owed they are unable to provide information and keep asking for my personal information
Product: Debt collection

I had this account with XXXX XXXX that was being collected by Account Resolution Corporation. I had sent this collection agency an electronic message via their online portal offering a settlement to delete their reporting and received no response, Afterwards I contacted XXXX XXXX and paid them in full and they would recall it from the collection agency as it was paid directly and would be removed. I also sent Account Resolution Corporation another electronic message via their online portal and also no reply. Instead Account Resolution Corporation has updated all 3 credit bureaus that I paid them directly and it remains on the credit reporting causing harm. I did previously have a cease and desist contact to the company but in my electronic communication I specifically stated they could respond to that request only.
Product: Debt collection

THIS SHOULD NOT NE ON MY REPORT IT WAS TAKEN OFF BACK IN 2019 AND ALL OF SUDDEN IT GOT RE-INSERTED WITHOUT NOTIFY ME I NEVER RECEIVED ANYTHING IN MAIL ABOUT THIS AND I SEE THEY HAVE A BUNCH OF THE SAME COMPLAINTS SIMILIAR TO MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Consider this letter a formal instruction and unequivocal authorization to immediately remove and delete the inquiry made by XXXX XXXX  XXXX, XXXX XXXX  XXXX  AND XXXX XXXX on XX/XX/, from both the consumer report and file associated with the XXXX  and File Number referenced above. I expect full compliance with this demand, as it is well within my rights under 15 U.S. Code 1681 of the FCRA and 16 CFR 313.3 ( o ) ( 2 ) ( D ). 

Failure to comply with this directive within 5 business days from the date of receipt of this notice will be viewed as a deliberate violation of my rights, and I will not hesitate to pursue all legal avenues available to rectify the situation and seek appropriate remedies. 

To emphasize the urgency of this matter, I demand your immediate attention and action. Remove the aforementioned inquiry without delay and ensure its complete eradication from all pertinent records. 

Attached for your reference and verification are the following supporting documents : 1. XXXX XXXX XXXX  2. FTC IDENTITY THEFT REPORT I expect a written confirmation of the inquiry 's removal within a reasonable timeframe, affirming that my consumer report and associated file have been thoroughly purged of this derogatory information. 

Take this demand seriously, as any further delay or noncompliance will be met with swift and decisive action. 

Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this collection company and disputed this charge many times as well as with the Credit Bureau directly. The collection agency has no right to place this on my credit report due my health Insurance paying both of these bills directly to the original creditor. I want the item removed immediately. There are two bills XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$700.00} account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1000.00} account number XXXX I want these items removed as they should have never been reported to my credit report.
Product: Checking or savings account

XX/XX/XXXX : opened checking acct with US bank due to offer promotion of $ 400-450 from flyer local branch ( requirement : direct deposit total $ 4k for 4-6 months ). Within 60-90 days, the offer cash out will be credited to the acct. 
No credit until, i came to the branch XX/XX/XXXX. Spent many hours going to the branch and phone calls, no follow up. 
XX/XX/XXXX : went to the branch and i was told being researched. The US Bank associate refused to provide me with the upper mgmts contact XX/XX/XXXX : still researching and finally XX/XX/XXXX got the incorrect credit of {$300.00} instead of 400-450. In addition, there was no any compensation of waiting for almost 8months. I filed complain now, because i was in the middle of medical treatment last year. 
Please assist me on this.
Product: Mortgage

I have a 14 year old mortgage with first florida bank of Puerto Rico. 
My ondo insurance has lapsed because they have not paid it in spite of the fact my payments are always on time I phoned the bank 2 weeks straight and left messages each time and never receive the courtesy of a return call in spite of the fact I stressed the urgency of the matter. 
Today I phoned the manager of the main bank and was put through. He told me an intermediary paid the insurance. he would contact them and it will be paid tomorrow. 
I feel this bank is not worthy of doing business because this is the 3rd issue I have had with them where their practices are questionable ... legal?
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by Equifax. I assert that Equifax is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX  and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is quite the disturbing kind for which I don't understand how this takes place and it gets overlooked.. 
My hard inquiry list has some very loud info to be handled very carefully since me personally think this is impossible for me to do but very disrespectful of the agencies whom too advantage of running credit checks.. this may strike you lightly but I have 3 agencies whom within a less than a year span have all three ran my credit more than 50, 70 and over 125 times and I am completely and utterly dumbfounded because I don't know why anyone who run my credit si many times and some day after day!!!! Ticked off since these are hard inquiries so they have screwed my credit up tremendously and I didnt apply for loans or cards nothing near 350 times in a less than a year and one is very close to home for consumer finance and I need someone to call and explain this to me because it's outrageous what has taken place. Thank you XXXX XXXX. XXXX, XXXX
Product: Payday loan, title loan, or personal loan

Back in XX/XX/XXXX I had installed a walk in tub. It is being financed through Service Finance company. My payments are $ XXXX until payed off. I just received a bill for next payment BUT it struck me as odd because I am ahead on my payments. From my calculations & from my review of my bank account on a couple of occassions I made XXXX payments in a month time, on more then one occassion. I have complained to the company before about their poor tracking system. I have also requested copies of my cancI am looking @ my statement I was sent & there is a huge discrepency with when my payment is due. I am also contacting the bank for copies of my cancelled checks. Yet in reviewing my past bank statements, your company is double dipping & NOT current with all my payments already made. ( this message sent to company ) Again I am requesting copies of my cancelled checks becauxe in the memo section I write my account # & the date payment is for. Here is what I see thus far : I started in XX/XX/XXXX. XX/XX/XXXX XXXX # XXXX was cashed on XX/XX/XXXX Check # XXXX cashed on XX/XX/XXXX Check # XXXX cashed on XX/XX/XXXX Check # XXXX cashed on XX/XX/XXXX check # XXXX cashed on XX/XX/XXXX check # XXXX cashed on XX/XX/XXXX ( this is XXXX payment made in XX/XX/XXXX ) check # XXXX on XX/XX/XXXX ( this too is second payment made in XXXX ) Check # XXXX cashed on XX/XX/XXXX So as you can see there are some months were I paid x2 & so your records are incorrect & * wjhen I get the cancelled checks back from the bank it will prove your error in billing & that you are double dipping & overcharging me. Therefore just w/ this proof of your incompetence I am filing a complaint with the FTC on your company for this mismanagement & double dipping & over charging me on more then one occasion. 

So I strongly recommend you re-educate your billing personnel & I strongly suggest you get your records in complete order & compliance because even now the bill I received is for XX/XX/XXXX payment!!! 

XXXX XXXX XXXX # XXXX checks from the bank as in the memo section I write loan # & payment month.
Product: Credit card or prepaid card

These people are putting me through XXXX to access my account. I have given up on attempting to use thier website online, to manage my account, i wait to review all transactions on my paper statement when it arrives, and submit any disputes by mail, because i can not access their websites i enter my valid credentials and they impose XXXX, a third layer of security which asks to send me a text with a code which i have to enter to access my account. The phone number that I have on file ending XXXX, is no longer my number. The capital One Bank credit card will not update my new number and, as such, is wrongfully withholding access and discriminating against me and I take these tactics as undue hardship and burden unfairly disadvantaging me financially and emotionally I can not access my account and I believe that these unscrupulous financial institutions are intentionally and maliciously without my permission implementing this deffective technology to our detriment without any consideration towards the consequences of damages. The refusal to accept my new number, discrimination is wanton wilful and unlawful. You can call upon the phone number service provider to testify as to the fact that my name and identity is registered to my phone number because capital One Bank, upon implementing their defective multi-factor authorization without my permission, claims that my number is not valid or acceptable or compatible with their defective technology resulting and clean that they are have the right to deprive me of access they refuse to bypass their defective technology and this has been one of the most disrespectful and uncalled for offenses have ever had to deal with. 

I am a human being alive with blood that will identify my identity. 

I lost my card at the atm machine at the physical capital One location and they refuse to return it to me, I had to report it in person and request a replacement be sent right away however even in person they told me they needed to send me a text with a code for extra verification for security to validate my identity to complete the request. The same error of the effective technology kept on refusing my phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached the actual report i received from the company. I have a lot of things that are not correct and im disputing. Anything I have stated needs to be deleted should be reviewed.
Product: Debt collection

XXXX has wrongly sent me to collections with Credit Collection Services for a debt they say I owe in the amount of {$76.00} for equipment XXXX alleges I never returned. I have attached numerous documents showing the date and tracking number verifying that I did, in fact, return the equipment pursuant to the guidelines outlined by XXXX. XXXX continues to ignore the evidence that I returned this equipment and they continue to state they never received the equipment. In the meantime, this collection is being reported on my credit report and is harming my credit score. I have sent numerous correspondence to both XXXX and Credit Collection Services, via certified mail, along copies of the tracking numbers, to prove that the equipment was returned. I do not owe this debt, I am not responsible for any of the charges, and I should never have been sent to collections. This incorrect reporting of a collection is doing damage to my credit score and this collection needs reversed. I have contacted the ( 3 ) bureaus, as well as XXXX and Credit Collection Services to solve this matter however, I have not been successful.
Product: Checking or savings account

Google Pay amount is not known as they blocked me from gpay, i asked them many times but still they didnt unblock it
Product: Consumer Loan

On XX/XX/2015, I went to XXXX in order to get a loan to re-finance my car loan with GM Financial. I was assisted by member representative, XXXX XXXX, who contacted GM Financial and obtained a loan pay off amount of {$13000.00} for my Loan # XXXX. GM Financial said that the payoff was valid up to XX/XX/2015. On XX/XX/2015, XXXX send a Treasurer 's Check in that amount to GM Financial and also requested that the title of the vehicle be mailed to them immediately ( see attached ). 
On XX/XX/2015, I received a statement from GM Financial showing a {$0.00} amount due ( see attached ). 
On or about XX/XX/2015, I received a payment reminder email from GM Financial. I reply back indicating that my account was paid off XX/XX/XXXX and I also asked whether I 'd received this email in error, but I received no response ( see attached ). 
XX/XX/2015, I received a phone call from XXXX asking whether GM Financial had mailed the car title directly to me. I contacted GM Financial and they told me they had not because they were waiting for the full payment on the car. I contacted XXXX again who confirmed that they had paid off the car ( see attached ). 
I visited a XXXX branch on XX/XX/XXXX and was assisted with the assistant branch manager, XXXX XXXX ( see attached ), who contacted GM Financial herself. It was only at this time that we learned that the original payoff XX/XX/2015 was in correct and that there was still a balance of {$330.00} due on the account. 
When this became known to me, I immediately made the payment to GM Financial ; and the company sent me a satisfied pay off letter on XX/XX/2015 ( see attached ). 
I was surprised to learn though that although I had paid off the account in full on XX/XX/2015, GM reported this as being 30 days late ( see attached ). 
As a result of this delinquent reporting, my credit score has dropped significantly and I have been unable to obtain credit from any financial institutions.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other income deposits. Capital One has cite technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF HUMAN TRAFFICKING PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX SEND ME A COPY AND CPFB.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before.XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.