23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing and putting in a complaint to make Wells Fargo justify and give detailed proof of why they denied me a modification and what they based it on. They told me in both of my meditations in Bankruptcy court, that I would be approved if I submitted the documents they needed. In the XXXX mediation they had the wrong information regarding my salary on the document sent to my attorney. They had a lower amount on their document. My attorney told them the true figure which we already sent paystubs and documents to verify it. They had {$7000.00} of a forced place Homeowners insurance that was on their document. My attorney said that I could get that for less. They told us to submit a new homeowner 's policy and the paycheck stubs proving I made more. ( The paystubs they already had but we submitted them again ). They said I would qualify once they received that. The information was submitted the very next day. 
In the next mediation they said they needed a letter of explanation regarding my quarterly bonuses ( again this was on all my pay stubs that they already had ) .They said that was all they needed and that based on the figures they had I would qualify again. They also said I need to send a new modification paperwork updating the old XXXX. We sent this in the very same day. We were waiting for them to contact us for the next mediation date which the mediator attorney said she would do it for free to expedite the process. Then we got a response that they denied me even though they said I qualified based on all my information. 
They based my mortgage in mediation on XXXX and 2 % and they said the payment would be around {$1000.00}. My attorney said I was paying that to the trustee and there would be no problem. I have never paid late to the trustee. I pay on time. 
The bank keeps sending me statements of XXXX in interest payment for the previous pick a payment loan. They said the new mortgage payment is around XXXX. I do n't know if this is legal when I am in Bankruptcy to send me statements wanting money for interest, etc. 
Also the Vice President said she was investigating the complaint and she was in touch with my attorney which my attorney said no one had ever tried to contact him. 
I want to know how you justified me not getting approved when I was told the figures look good and I would get approved. I want detailed proof and documentation they have why I was n't approved when they said in mediation XXXX I would be.
Product: Debt collection

I received a bill from Americollect on XXXX XXXX, XXXX for {$250.00} for the services of XXXX XXXX of Nevada. The issue with this bill is that my insurance provider at the time, Nevada XXXX XXXX, is in Permanent Receivership. Had my insurance provider not been in Receivership I would have had a zero co-pay for XXXX services. This was communicated to XXXX XXXX of Nevada and they are well aware that under the Permanent Receivership, " The XXXX will focus initial efforts on two parallel goals : ( 1 ) avoiding disruption in the delivery of health care to the Enrollees for the period that they are entitled to receive such care from XXXX ( ending no later than XXXX XXXX, XXXX ), and ( 2 ) maximizing payment to Providers and creditors for services rendered initially during the receivership period ( which commenced on XXXX XXXX, XXXX ) and thereafter for amounts owed for services rendered before that date. 

IT IS IMPERATIVE THAT YOU CONTINUE PROVIDING HEALTH CARE SERVICES TO ENROLLEES ON THE SAME BASIS AS BEFORE, WITHOUT CHARGING ADDITIONAL AMOUNTS OR REJECTING REQUESTS FOR APPOINTMENTS OR HEALTH CARE SERVICES. 

Specifically, the Permanent Receivership Order provides at pages XXXX and XXXX : All providers of health care services, including but not limited to physicians hospitals, other licensed medical practitioners, patient care facilities, XXXX and XXXX facilities, XXXX companies or managers, and any other entity which has provided or agreed to provide health care services to members or enrollees of XXXX, directly or indirectly, pursuant to any contract, agreement or arrangement to do so directly with XXXX or with any other organization that had entered into a contract, agreement, or arrangement for that purpose with XXXX are hereby permanently enjoined and restrained from : SEEKING PAYMENT FROM ANY SUCH MEMBER OR ENROLLEE FOR ANY AMOUNT OWED BY XXXX ; Interrupting or discontinuing the delivery of health care services to such members or enrollees during the period for which they have paid ( or because of a grace period have the right to pay ) the required premium to XXXX except as authorized by the Receiver or as expressly provided in any such contract or agreement with XXXX that does not violate applicable law ; Seeking additional or unauthorized payment from such XXXX members or enrollees for health care services required to be provided by such agreements, arrangements, or contracts beyond the payments authorized by the agreements, arrangements, or contracts to be collected from such members or enrollees ; and Interfering in any manner with the efforts of the Receiver to assure that XXXX members and enrollees in good standing receive the health care services to which they are contractually entitled. '' Thus, as Ordered in the Permanent Receivership, IT IS UNLAWFUL to attempt to collect ANY amount owed by the XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 of 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXWAKEFIELD ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not sent in error. I am consumer that abides by the law. My information was used without my permission. I never authorized anything and now i have accounts that are inaccurate on my credit repport
Product: Student loan

To whom it may concern : I am not sure where else to turn to complain about 'Fedloan Servicing, ' the company that services my student loans, as their own website does not have a section dealing with customer satisfaction or complaints. <P/>I am currently on an income-based repayment scheme ( this is my third year on it ). To make my story  short and sweet, every year ( 3x now ) that I have had to send in income documentation regarding how much money I make ( 1st as an XXXX XXXX through the XXXX XXXX XXXX ; 2nd as a XXXX XXXX XXXX XXXX XXXX ; 3rd as a XXXX XXXX at XXXX University ), Fedloan Servicing flat out rejects my application because I have not stated my " gross annual salary. '' After calling them for days at a time, and getting contradictory advice with each representative I talk to, I finally talk to someone and explain to them that all the information is there, including how much my gross salary is. <P/>It takes them 1-2 months to process the initial request, then they reject it. Then, after they realize they have made the mistake ( not myself ), they tell me I have to wait another 1-3 months to get it re-processed, which makes me lose out on " payments '' for the particular IBR scheme I am on ( 20 yr plan, after 20 years of payments, the loan is forgiven ), which, if they do this every single year for 20 years would add a few years onto my payments. <P/>My simple point is this : Fedloan Servicing consistently makes simply administrative errors, penalizes the customer, and only after repetitive harassment from said customer, do they actually ever do their job. I am only 3 years into dealing with this company, and I really can not believe that the federal government allows them to service loans in the taxpayer 's name. <P/>It is extremely frustrating ( not to mention demoralizing ) to have to call these people constantly, a company that does not seem to deem either customer service nor actual knowledge about student loans a priority. <P/>I hope this can serve some use. On another note, how in the world does it take 3 months to process an income payslip to prove how much money I make? It is literally one piece of paper. <P/>The attachment below shows the income documentation I submitted to Fedloan Servicing. I was told that it was rejected because they did n't know how much money I was making ... seems clear enough to me. Furthermore, I submitted documentation in XXXX of 2017 for job starting at the end of XXXX because I KNEW they would mess it up ( like they did last year ) and take months to figure it out. <P/>XXXX regards.
Product: Checking or savings account

Credit karma closed my spending account without notifying me and I still had money in my account. I used it most of the day and then suddenly it said account closed and I couldn't use my debit card. I reached out via chat ( saved the correspondence ) and was told that some users were experiencing account problems but they would be resolved and that if I had money in my account a check would be sent. I asked when and they didn't know. I waited a few days ( hoping the problem would be resolved ) and chatted again and this time was told they can close accounts whenever they want and I should have received an email as to why. I told them I didn't and they said my money would be transferred to the bank on file or a check would be sent. They would not give me any reason why it was suddenly closed or when I would get my money. I've had this account for over a year. My tax refund also goes to this account so now I'll have to wait even longer because they closed my account and hope they send back my refund to the IRS so they can send me a check. I don't understand why no one can tell me why and why it was so suddenly when I used it that day and cant tell me when ill get my money. Seems like bad business practice to me!
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report for all inaccurate information that is hindering my credit report. this has been a issue ive addressed multiple times an no action has been taken. alot of errors on my credit report are not accurate an valid an is hindering all areas of my credit report. please review an remove the listed items to help clean my credit file asap. none of the information listed is correct. delete all listed items asap.
Product: Debt collection

I have an unverified account from PINNACLE LLC. I had previously disputed this account. I have never done business with PINNACLE LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PINNACLE LLC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PINNACLE LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

false reporting under 1681 15 U.S. Code 6802 Violations of 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 


I sent a letter to XXXX XXXX  XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX, CA XXXX since XX/XX/XXXX and have not received a response to date but only results of continous violations reported to XXXX Wrong Addresses, invalid names and alleged debts parked on file by XXXX XXXX 
These accounts are deliberately parked on my consumer profile by XXXX and unconscionable depicts actions of unfair, deceptive acts of stealing my identity and continous unlaw practices. XXXX XXXX, XXXX, XXXX and XXXX have flagrantly disregarded not only the Fair Credit Reporting Act but also the Privacy Act of 1974, particularly within the scope of 12 CFR 1016.1. This regulation underscores the importance of treating nonpublic personal information with utmost care and outlines essential requirements, including the obligation of a financial institution to provide notice to customers about its privacy policies and practices. 
I am relying on your office to take actions against XXXX and demand the deletions of all these unknown accounts and alleged debts of all incomplete and erroneous data immediately.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I discovered fraudulent accounts XXXX XXXX XXXX XXXX with account number XXXX opened on XX/XX/XXXX, XXXX XXXX with the account number XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX with account number XXXX opened on XX/XX/XXXX, and fraudulent hard inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My TD Bank Business Credit Card XXXX was last used by me at a restaurant in NJ on XX/XX/2023. I live in New York and my card was used in Florida. I'm in fear that my card was cloned and the card was not used by me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 a transfer was made into an account by mistake. Chase is not responding to request to return funds.

The amount deposited incorrectly into a Chase account was {$500.00}.

I contacted and subsequently filed a complaint with my Bank ( XXXX XXXX ) who informed me that Chase would not grant permission to retrieve incorrecty deposited funds.
Product: Debt collection

My name is XXXX XXXX. I am a victim of a scam through social media. The person was posing as a family member and wanted me to go into an investment with a company with a man named XXXX ( his XXXX name is XXXX ; his number is XXXX ) .He then scammed me into investing in BitCoin . This was my first time ever investing in a company this big. Bad checks were directly deposited into my bank account, which resulted in a {$10000.00} overdraft. I have met with the bank officials and have talked to the police about this and the police opened an investigation. The bank officials told me that I could be held responsible because I gave out my information. The bank required me to pay the {$10000.00} in full, which I am financially unable to do. Therefore, they closed my account and the amount went to collection. The police opened an investigation, but they told me that they are at a dead end on the case and there are no clear or defined suspects to charge. I provided all of my documents to the bank officials and to the police and I am willing to provide them to whoever is able to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX 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. 




In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Last Reported XX/XX/XXXX Collection Agency MED DATA SYS Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$170.00} High Balance {$170.00} Remarks Placed for collection
Product: Debt collection

Back in XXXX I negotiated a settlement offer with receivables performance management llc. When I originally made the payment arrangement, I was told by the representative that if any situation arises to let them know 48 hours in advance, and they will work with me on resetting a date for the payment that will work with me to withdraw the payment from my bank account. On XX/XX/2023 I was separated from my company and when I try to collect unemployment benefits, I found out that I was a victim of fraud and have to go through a ID verification process with the Connecticut Department of labor. After submitting all required paperwork to the department of labor, I contacted receivables performance management , LLC to advise them of the situation. I explain to them that I am a victim of fraud with the department of labor and I am waiting to be scheduled for an ID verification interview which wont be until next week and the investigation could take up to two weeks and then an additional week after that to collect unemployment benefits, so I asked if they can push the payment back three weeks and they were not willing to work with me. They said that they can only push it out one week and then it would void out the agreement. I then reiterated to the representative that when I originally made this payment arrangement of what I was told, he said that he would speak with his manager. He put me on hold for two minutes and came back and said that there was nothing they can do. They could only push it out to the end of the month. I advised him that I will not have any money at the end of the month because of the fraud investigation And asked to speak with a manager. The representative refused to let me speak with the manager. I have offered them documentation supporting my claim and they denied the offer. They are not willing to work with me despite the original agreement.
Product: Credit reporting or other personal consumer reports

I had a car financed with XXXX  back in XXXX. Car was repossessed in XX/XX/XXXX. Looking at my credit report I noticed several things wrong. First it has XXXX repo dates. XX/XX/XXXX and then XX/XX/XXXX. Which is incorrect. XX/XX/XXXX is correct. Second is Charge off date which is XX/XX/XXXX on XXXX report and then a Charge off in XXXX XXXX. How is that possible when it was charged off in XX/XX/XXXX and closed. Third you can see no ND on reports. I have included photos. The first attached file is XX/XX/XXXX the second attachment is XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XXXX To : Equifax Information Service LLC XXXX. XXXX  XXXX XXXX, GA XXXX From : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Strange Activities Verify my identity and current Address I am on a fixed income and I have spent approx. $ 20.00+/- via mailing/certified letters, by the way of mailing my ssn + Light Bill to Equifax. The last certified mail was sent XXXX, to XXXX. XXXX XXXX USPS certified, all has a clear copy of both documents requested. Either someone is taking the two main documents out of the envelop while at the USPS site or someone is taking the 2 main documents out at the Equifax office. If I did not verify my identity and current address, why did Equifax send me a Credit file dated XXXX when I talked to an Equifax Rep dated XXXX and after that I passed 3 different phone verification for identification. I received an XX/XX/XXXX Credit File because I was on the phone with Equifax XXXX. Equifax did not have a problem with me when I did a fraud alert XXXX living at the old address or when I open up a credit card with XXXX/XXXX  on XXXX and paid the account off with a XXXX  B only because I got mad with XXXX. I was over charged. As of XXXX, the XXXX-XXXX/XXXX  account is currently " Lock. '' You have my permission to ask that question to the company.

Who is pulling the strings to hurt me? SEE ATTACHED DOCUMENTS : 1. Credit File : XX/XX/XXXX Confirmation # XXXX 2. Credit File : XX/XX/XXXX Confirmation # XXXX 3. Credit File : XX/XX/XXXX Confirmation # XXXX 4. ssn document 5. Light Bill 6. Equifaxs letter dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX log XXXX Filename:XXXX XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account # XXXX opened XX/XX/2019, 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. 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 years. Also the credit bureaus took more than 30 days to complete my investigation heres my certified mail tracking number XXXX