23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called XXXX to get options about repayment, I couldn't log into the site because the statement I received from them didn't have the proper log in information I needed to actually log in. I spoke with someone for over XXXX minutes about whether I needed to be making payments when I am applying for forgiveness for being a teacher. They insisted that if I do not make payments, I will go in default. I set up my payments and sent in the required paperwork for forgiveness. The paper work says you can check status online-but you actually can not check the status. The paperwork also says you will get an email if there is any issues with the application-which I did not. I called after 30 days because I hadn't heard anything and couldn't check the status online ( because that's not an option according to them ) and they said someone noted that they emailed me on XX/XX/XXXX! They absolutely did not. I asked why they didn't call and they said they would only send a letter if I didn't have an email listed-to which I didn't received a letter either even though I have verified my email address. They now say I have to resubmit ALL my paperwork and continue to pay on the loan until it is processed. I asked to speak with a supervisor because my boss is on maternity and they said someone would call me but haven't.
Product: Credit reporting or other personal consumer reports

ON OR ABOUT XX/XX/XXXX I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED UNUSUAL ACTIVITY FROM ALOT OF INQURIES THAT I DID NOT HAVE NOT HAVE ANY KNOWLEDGE OF AND DID NOT AUTHORIZE AND IS IDENTIY THEFT, THE INQURIES ARE AS FOLLOWED I ALSO FILED AN FTC REPORT SINCE TRANSUNION IS NOT BEING HELPFUL IN REMOVING THESE FROM MY 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE I NEED IMMEIDATE DELETION OF THESE INQURIES FROM MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps closing disputes and does nothing. 'We hope this resolves your concerns. ' No it does not resolve my concern, over 5 years! All you do is close disputes and fix NOTHING. 

Delete the account in question, I have sent statements directly from XXXX showing you over 50 % of the payments being reported are incorrect and you continue to do nothing. I'm using all of this proof of you intentionally breaking the FCRA to hurt me. You're ignoring the obvious proof I have sent to you for over 5 years and you're doing this on purpose to hurt me. 

" Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. ''
Product: Credit reporting or other personal consumer reports

Mortgage is not escrowed. Insurance company for a period of a month and few days, XX/XX/2023, like most insurance companies, of late, out of nowhere dropped insurance on property without due cause. In that time period a new insurance company and policy had to be secured and was secured. The {$670.00} mortgage payment for XXXX, XXXX and XXXX has been paid. This matter is being disputed with all credit bureaus but credit bureaus are only contacting customer service and the matter goes much deeper than getting a customer service rep to pull up the acct on screen and saying yes the mortgage is owed. A deeper dive into the history of this problem needs to be done. Contact ServiceMac rep XXXX XXXX for further information. The run of the XXXX XXXX rep at the XXXX number can not provide accurate information regarding this issue. A dispute will continue to be filed until this matter is favorably resolved.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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. 




XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 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 or other personal consumer reports

I applied for a XXXX XXXX offer from XXXX on XXXX. On XXXX I received a letter from XXXX XXXX XXXX stating my application was denied because Equifax was reporting a credit score of XXXX. Naturally, I checked XXXX, and my credit score on XXXX was XXXX. I looked at my XXXX account and XXXX XXXX XXXX showed a score of XXXX. I called XXXX XXXX XXXX on XXXX and spoke to XXXX XXXX XXXX, who was of no help at all. I also called Equifax the same day and spoke to rep XXXX, and explained to her what was going on, call reference # XXXX. NOBODY CAN TELL ME WHY EQUIFAX IS TALKING OUT OF BOTH SIDES OF ITS MOUTH!! Obviously this is somebody's idea of a prank or sick joke. I have spoken to an attorney and we are currently composing a letter to Equifax and XXXX XXXX XXXX. I would like a reasonable explanation as to why this is happening, but it is apparent that the important people at either Equifax or XXXX XXXX XXXX are more ignorant than I realized. XXXX help the United States if these are the top brass calling all the shots and trying to make our country great again!
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in 2015, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American XXXX, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It is unacceptable that this misinformation persists despite my repeated attempts to correct it. Unauthorized and Bogus Inquiries : I have identified several unauthorized inquiries and accounts on my credit report that I believe your agency has mishandled. XXXX XXXX All accounts XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -All accounts XXXX XXXX XXXX XXXX all accounts XXXX  XXXX I have never provided permissible purpose for these accounts, nor have I authorized the establishment of these accounts. The persistent presence of such items leads me to believe that your agency has failed to take adequate measures to protect my credit file.
Product: Money transfer, virtual currency, or money service

I moved to the US with my family in XX/XX/XXXX. As XXXX  without any credit or rental history, our apartment application was accepted with increased security deposit ( exhibit XXXX ). We paid the security deposit on XX/XX/XXXX using a cashiers check through Chase bank ( exhibit XXXX ). After XXXX year we decided to move out from this community. The community did not find any damages and hence on XX/XX/XXXX they sent us a notice about returning the security deposit minus remaining utility charges, totaling {$3000.00} ( exhibit XXXX ). Shortly after, they also sent us a check with the corresponding funds. I tried to deposit the check to my Chase account on XX/XX/XXXX at a Chase branch and I was told by Chase that the funds will be on hold for XXXX  business days. However, on XX/XX/XXXX I received a letter from Chase that both my checking and saving accounts got restricted and I could not use them ever since ( exhibit XXXX ). My bank accounts were eventually closed around XX/XX/XXXX. The reasoning provided by Chase is that they could not verify the issuer of the check by calling a verified phone number associated with the companies written on the check. However, the XXXX XXXX and associated XXXX XXXX firm claim to have their public records in order. The check issuer also claims that they can provide any documentation needed and that the authorized users of the issuing bank account are available to confirm any information needed, none of which Chase is willing to accept. None of this is helpful unless Chase gets a phone number that nobody understands how and where to update. Moreover, to my understanding, Chase has my {$3000.00} and will neither return it back to the issuer nor give it to me unless they verify the check issuer. Eventually, after about XXXX years, they say that they will send my money to the state/country. Clearly, the restriction of my accounts caused me a serious harm, they restricted all my funds and they refuse to return my {$3000.00}. Moreover, my salary from XX/XX/XXXX was not returned to the employer even though my accounts were not functional. As of XX/XX/XXXX I still have not received my salary as it is somewhere at Chase.
Product: Mortgage

XXXX XXXX MORTGAGE LOAN IS ESCROWING insurance premiums when Insurance company informs me that I am poying monthly on the insurance premium.
Product: Checking or savings account

PNC Bank has taken over my accounts @ BBVA Bank. In some 2 months since the takeover PNC has failed to provide new checks and debit cards or any materials required to use the new account with them.. Repeated calls to their " customer service '' numbers have resulted in waits on " hold '' in excess of 40 minutes and resulted in no one who has been able to resolve these issues.
Product: Credit reporting or other personal consumer reports

To whom it may concern, In accordance with 15 USC 1681a Section 602, I have a RIGHT to privacy and the right to know where and how to direct the disclosure of my nonpublic information. I was not given this opportunity and I did not give Equifax permission to put ANY of these accounts on my credit report. I am not asking for verification. Equifax has no permissible purpose to put this information on my credit report without WRITTEN instruction. This is a violation of Section 604 15 USC 1681b ( a ) ( 2 ). Federal law, which congress put in place to protect consumers like me, overrides any company policy. The accounts that need to be deleted from my credit report immediately are listed below. Furthermore, my name is STILL incorrect, which gives me cause for concern for identity theft, along with these accounts being placed on my credit report without my written permission. The negligent behavior of Equifax has negatively impacted my credit standing. I would prefer not to escalate this situation further, by enforcing my rights through legal proceedings. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX If you refuse to delete these accounts from my credit report, I want this 100-word consumer statement added to EACH account. My driver 's license and social security information will be included, and I request it be mailed back to me and not used again for any purpose. 

Attention all readers of my credit report. I am writing to express my extreme frustration with the inaccuracies and inconsistencies found on my credit report. The information associated with this account being reported is incomplete, inconsistent, and inaccurate. I have made a detailed written dispute to Equifax and requested that they correct these errors, but Equifax has refused to correct these errors or delete the account. I urge anyone reading this report to disregard this account as it does not accurately reflect my credit history or standing and should not be on my report.
Product: Credit card or prepaid card

Discover card put a block on my acct and blackballed me from contacting them by phone had a 3rd party to call who heard all my business at that time made aware about a block was hoping it was not due to the fact I had commented the review process at the time of my request for an increase was never approved even when my credit was credit worthy also asked them if any XXXX American were cust serv reps
Product: Mortgage

Ealy XX/XX/2022 Wells Fargo and my spouse and I signed into a locked interest rate of 2.75 % on a refinance of an existing mortgage with Wells Fargo. We started the refinance process and it became clear that they were very disorganized and mishandled documentation. They would ask for the exact same document over 6 times ( each time I sent it ) and they received it on their end. A few days later they asked for the same document again. I resent it and they received it. They repeatedly told me they had everything and then a few days would pass and they would ask for the same document as previous. When I asked them why, they stated the bottom right corner was cut off of a page that had inscribed " this page is intentional left blank ''. They asked for one of 8 bank accounts to be resent 6 times but did not ask to resend any of the other bank accounts. They asked for one of many investment accounts to be resent, 4 times but did not ask for the other investment accounts to be resent. 

My suspicion is that they are trying to back out of the low interest rate lock in that we signed into. They are very sloppy in handling our documentation and are disorganized in communications with us.
Product: Debt collection

i was contact by debt recovery solution on behalf of XXXX, about a bill that i owed them, i immediately contact XXXX because they used to be my carrier, when i called them i was told by XXXX to file a complain to you.i want that to be clear from my credit report.
Product: Debt collection

I have asked this company to cease and desist all contact. They continue to reach out, but now call from blocked numbers and threaten legal action. They also gave information to my sister who answered the phone for me today.
Product: Mortgage

My home should've been foreclosed on prior to the COVID Pandemic, but it wasn't. COVID regulations helped delay the process. I wasn't able to make payments for a considerable amount of time due to unemployment and other reasons. 

On XX/XX/XXXX, my home burned down ( complete loss ). I informed the mortgage company and filed an insurance claim. The only insurance coverage was for the mortgage. The insurance company determined the amount of the payout and issued a check for approx $ XXXX. The full amount was made available to the mortgage company to be applied towards the principal. 

In XX/XX/XXXX, we put the property up for sale and a buyer quickly made an offer of $ XXXX. Shortly thereafter, the mortgage company filed a foreclosure lawsuit against us fully knowing that we had both a buyer and insurance money available to settle any outstanding debts with them. 

At this point, the mortgage company stated that since we were in foreclosure, they could not apply the insurance payout funds against the principal. They started requesting various documentation so that the foreclosure would change from " active '' status to " hold '' and then the insurance payout monies could be applied. All of the mortgage company delays have lined their pockets with additional interest off of the loan and whatever interest they're making off the insurance payment monies that haven't been applied, After filing all requested documentation, my foreclosure lawyer was in contact with the mortgage company 's foreclosure firm and they had agreed in principle to let the insurance payout funds to be applied under certain stipulations ( the paperwork that was already filed with the mortgage company ). 

Today ( XX/XX/XXXX ), the mortgage company is now saying that we are in a short sale status because the buyer 's offer is less than the amount owed and we have to follow the short sale protocols which can take up to 120 days. They are scheduling an appraiser and working with the underwriter to determine the value. We may lose the buyer over all these delays. 

The mortgage company still has NOT applied the insurance payout funds. $ XXXX ( offer ) + $ XXXX ( insurance payout ) is > than amount owed ( $ XXXX ). This appears to be unethical and perhaps illegal to withhold insurance payout money like that.
Product: Mortgage

On XX/XX/17, I accidentally sent Citi Mortgage a {$620.00} payment, right before closing on XX/XX/17. I called CitiMortgage, who advised that the {$620.00} was rolled into Escrow, but my online account does not state this. I just received a breakdown of my escrow payments. It reads that on XX/XX/17, {$900.00} went into my escrow account, but does not break it down and state that it includes the {$620.00}.
Product: Debt collection

CBE Group purchased an allegeded debt from XXXX XXXX for {$50.00} concerning disconnection fee from 2019. I did live at the address in question XXXX XXXX XXXX but I returned any equipment and paid my bills on time. This collection showed up on my account 3 years later and I never received communication within that 3 years stating I had an outstanding balance. Plus I dont remember being a part of XXXXXXXX XXXX? I am disputing this claim paid in full, service equipment returned or whatever nonsense would of created an alleged {$50.00} outstanding collection.
Product: Checking or savings account

Date : XXXX Event : Called the bank to address an issue with not receiving my check. 

Details : I was informed that I needed to wait 60 days to receive my check. 
60 days later ( XXXXXXXX XXXX ) Event : Followed up with the bank as I still had not received my check. 

Details : The bank informed me that there was a system issue preventing me from receiving my money. 
Current Situation ( XX/XX/year> ) Event : It has now been 3 months since the initial complaint, and I still have not received my money. 

Problem Description : Despite multiple attempts to resolve the issue, I have been unable to verify myself with the bank, and the system issues have not been resolved. This has left me without access to my funds, severely impacting my ability to pay bills and buy food. 

The amount of {$3700.00}
Product: Credit reporting or other personal consumer reports

I have an account with XXXX that is no longer open. 
This account closed in XX/XX/year> when I filed XXXX XXXX Bankruptcy. This account was paid in full as of XX/XX/year>, yet the company is reporting " Debt discharged in bankruptcy/Never late ''. 
This account should state that the account is Paid In Full/Never Late. 

I have an account with XXXX XXXX XXXX that is no longer open. 
This account was closed in XX/XX/year> when I filed XXXX XXXX Bankruptcy. This account was paid in full as of XX/XX/year>. The bankruptcy was filed XX/XX/year>. XXXX has corrected this information on XXXX only. This account is Paid In Full/Never Late. 

Both of these accounts are reporting as Negative on my credit report. Both of these accounts were paid in full, and their reporting is inaccurate. Neither of these accounts were included in the XXXX  XXXX Bankruptcy court filing. They are not listed on the court documents. There is no debt to pay or be discharged. This almost seems fraudulent on their end to claim writing off debt that did not exist.
Product: Money transfer, virtual currency, or money service

These company called : 'coinbase ' they provide access to cryptocurrencies, to buy/sell transfer, they also got an app called coinbase wallet. that you can create a wallet and make transactions, in their coinbase wallet app. 

XX/XX/year> XXXX I did a swap between cryptocurrencies, named XXXX  to an XXXX token for the amount of {$1100.00} plus fee {$25.00} that can be seen in the web by : etherscan.com after the swap, the funds were reduce by {$450.00} what they called secured transactions. Those funds are currently floating around however I can't to nothing about it, they're frozen I can't get access. 

I've been trying to contact them I did a claim with them but they response once and close the case without doing nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told experian, XXXX and XXXX that I was a victim of identity theft. someone was even filing taxes under my name. I have a report number of identity theft with the irs, also have a report of identity theft on the federal trade commission on identitytheft.gov and that report number is XXXX they are reporting all these accounts as verified XXXX 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: Bank account or service

Complaint on Yield to High Deposit, Rewards, Missed Deposit and Reserves Prompted Balance At account opening interes computation on interes is calculated on combined account from checking and saving Bank errors are found on interes computation yielding is daily can not presumably tune to XXXX 0r 366 days and is contradiction to 12 months APY computation notion Actual Rate interes on receipted deposits base on relationship from XXXX to Present, XXXX {$12000.00} to {$40000.00}, should come out to not below 20 % daily Beside prompted and position Bank of America to become number XXXX twice in prior 10 year with net reserve BOA {>= $1,000,000} aggregate {>= $1,000,000} Daily Interes sum on combine account deposit is $ XXXX and even applying your so call XXXX formula yield $ XXXX/daily multiply to 130 days yields $ XXXX yield come to $ XXXXmonth multiply to XXXX cycle is {$25000.00} month, Itemized cyclic computation from initial cycle interes on combine accounts is {$1600.00}, from initial date XXXX XXXX, XXXX, .04 % ( XXXX ) {$1400.00} and XXXX XXXX, XXXX, .04 % ( XXXX XXXX {$200.00}, Second Cycle sum is {$46000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$700.00} and XXXX XXXX, .04 % ( {$38000.00} ) {$45000.00} Third Cycle total is {$42000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$34000.00} ) {$41000.00} Fourth Cycle sum is {$39000.00}, XXXX XXXX, XXXX, .04 % ( {$30.00} ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$33000.00} ) {$39000.00} Fifth Cycle Sum is {$39000.00}, XXXX XXXX, XXXX, XXXX ( XXXX ) {$38000.00} XXXX XXXX, XXXX, .045 % ( XXXX ) {$470.00}
Product: Payday loan, title loan, personal loan, or advance loan

I had told the lender not to allow someone that was not authorized to get any information about my loan or about my payments or anything concerning the loan and they still let the person contact them and do things on the loan that was not authorized and they haven't contacted me and I didn't make any additional payments on the loan after finding out that the person the XXXX still was letting the person seems like they had some type of relationship going on I noticed that the person involved would go there without my permission and the XXXX would allow them to get information on my loan and make changes on my loan without my permission and they seem like they had some type of Love connection