23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I signed up for an Amazon Prime store card ( for amazon.com ). This card is issued by Synchrony Bank. When signing up, I was told as part of the marketing that I can manage my account and pay online. 

When I went to sign up, I ran into multiple issues. First, I was unable to sign up because the online software would not display my phone number as they require multi-factor authentication. After that was resolved over the phone ( They said the issue was that they had my home number and my cell number as the same number ), I tried to continue. I reached the part of the sign-up process where I am to create the account name and password. Despite following the password rules, ( Uppercase, lower case characters and at least XXXX numbers, special characters allowed ), several potential passwords were rejected. Upon raising this issue with the company, they informed me that they only supported XXXX antiquated versions of XXXX XXXX XXXX and XXXX XXXX or XXXX. I do n't have a way to easily downgrade XXXX, and I tried installing XXXX and I experienced even worse issues. 

I find it dishonest and misleading that the bank would advertise online account management and make me jump though hoops to use it. There is no technical reason why this should n't work fine - the browsers and standards that they refuse to support properly are not new and they have had plenty of time to write software that is compatible with them.
Product: Credit reporting or other personal consumer reports

I received notification from my student loan servicer, Mohela that my student loan have met the requirements under the Public Service Loan Forgiveness ( PSLF ) Program and all or a portion of your loans listed in the letter have been forgiven. My student loans nearly {$83000.00} have been forgiven and my balance is {$0.00}. 

This letter is dated XX/XX/. I contacted XXXX and learned that Mohela reported on XX/XX/XXXX  that I have a balance of {$82000.00}. 

I called Mohela and held on the line for two hours, got a representative who stated it will take 90 days to update the balance to zero. I asked to speak with a manager as this is a violation of the Fair Credit Reporting Act, and they can not report erroneous information and since I have a XXXX balance, they must report that current balance. 

I held on the line another hour and a half. A manger never accepted my call. Mohela is in violation of the Fair Credit Reporting Act.
Product: Debt collection

I got the XXXX credit card I only spent XXXX dollars when I got the card in store. They mailed it to the wrong address to start with I asked the card be canceled and billing information sent to me. I still have not received anything from the company. And now they say I owe over XXXX on a card that had an original XXXX limit I already have XXXX missed calls from them today and it XXXX they usually call me every XXXX mins from different phone numbers. I have asked them to stop calling me and harrasssing me have explained to them that I tried to pay it and no one has sent me the information to be able to pay it I never received a pshyical card. Now my health has taken a turn for the worse and XXXX cant work I have XXXX XXXX and XXXX problems that has made it hard to live daily life with out assistance. And this company is charging me for money I do not owe and harassing me a lot. What they are doing is not right and completely unfair.
Product: Checking or savings account

I was a victim of an issue with my Navy Federal Credit Union account. Specifically, there was money in my account that did not reflect properly, leading to inaccurate balances. Despite the funds being present, the system falsely processed transactions as if the account was overdrawn, resulting in overdraft fees. 

I contacted Navy Federal regarding this issue, but instead of resolving it, they closed my account. This has caused significant inconvenience and financial stress. 

The issue occurred on or around [ insert specific dates ], involving [ insert specific amounts if known, e.g., the deposit or overdraft fee amounts ]. I took action by [ explain what you did, such as contacting customer service or filing a dispute ]. Despite my efforts, the situation was not resolved fairly. 

I am requesting a review of this matter, a refund of any unwarranted overdraft fees, and an explanation for the account closure. 

Thank you for addressing this matter.
Product: Credit reporting or other personal consumer reports

I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 
1. I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Shellpoint Mortgage Servicing has made many adjustments to my mortgage loan without explanation of the changes. On XX/XX/XXXX, a letter was received that Shellpoint imposed lender-placed wind insurance on my property. The annual premium for the lender-placed insurance is {$2700.00}. Shellpoint Mortgage Servicing paid a disbursement for this premium on XX/XX/XXXX of {$1100.00}. On XX/XX/XXXX, documentation was given to Shellpoint Mortgage showing proof of wind insurance from my HOA. Shellpoint only issued a refund of {$230.00} to my escrow account. Shellpoint XXXX then completed an escrow analysis on my property increasing my mortgage by almost {$300.00}. Shellpoint did not give an explanation for the initial disbursement payment ( dates of coverage, how the number was obtained, etc. ). 

Below are current questions/issues found with the errors that should be clarified/fixed : Shellpoint Mortgage did not give information about the premium being disbursed Shellpoint Mortgage gave an incorrect refund amount after proof of insurance was provided. 
My property is a townhome, which Shellpoint mortgage is aware of, and which the HOA covers wind insurance. Townhomes are covered under an HO-6 policy. 
The mortgage sold by XXXX XXXX to Shellpoint Mortgage, did not require wind insurance yet Shellpoint Mortgage requires wind insurance with no explanation. I have been asking for information for about 4 months now and still have not received any information. I sent a notice of error on XXXX XXXX with no further response.
Product: Checking or savings account

Navy federal Credit union, transferred money from my money market account to my checking account with out my permission. When I contacted the bank, they refused to put the money back.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my extreme dissatisfaction with your lack of action regarding the dispute of the following inaccuracies on my credit report, which remain unresolved despite multiple prior communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : CHAPTER XXXX BANKRUPTCY-XXXX CHAPTER XXXX BANKRUPTCY-XXXX  CHAPTER XXXX BANKRUPTCYXXXX
Product: Checking or savings account

I had a merchant account with BOA in XXXX. My account was closed with an excess of {$43000.00} being held due to risk management. I was told by XXXX ( in security ) that my funds will be released after XX/XX/XXXX. She also provided me her phone number to call after 90 days XXXX. I have called over 35 times and left 15 messages and I can't get a return call. At this point its considered stealing.
Product: Credit card or prepaid card

On XX/XX/2021 I purchased a wreath from an online retailer, XXXX, for {$43.00} and  some change. I used my Capital One card to pay for the item. When purchasing the item the return policy was clearly stated in the item description. I received my item around XX/XX/2021. I was not happy with the item as the pictures compared the wreath received had differences. I emailed the address that was listed on a card with the item to let them know I was not happy with my item and wanted a return and refund. After emails back and forth and the company saying that is not their return policy and trying to refund a percentage of the purchase or I could mail the product back ( overseas ) and wait for a refund as long as it met their requirements when received. Seeing that I was getting nowhere, I filed a dispute with Capital One. I received a letter from Capital One that they needed additional documentation and a second opinion letter from a similar company on official company letterhead with their opinion on how the company handled the request and  what they would do. This second opinion information is unattainable and an unrealistic request. On XX/XX/2021, I submitted copies of screenshots of email communication with the company XXXX along with copies of screenshots of the pictures that were listed with the product and a copy of the screenshot of the advertised return policy listed in the description with the product. I also sent copies of screenshots from similar items on XXXX with their return policy. I then received a letter from Capital One telling me that they can no longer help me with this dispute and to contact the company for resolution. I have already tried to work with the company and they have refused to  honor their advertised return/refund policy. XXXX has now listed on their website that their store is closing.
Product: Debt collection

XXXX  XXXX XXXX XXXX SOLD A FALSE DEBT TO XXXX XXXX XXXX FOR {$9100.00} IN XX/XX/2018. THEY ARE TRYING TO COLLECT A DEBT THAT WAS RELEASED BY A MOTION TO DISMISS COURT CASE. I'VE ASKED THEM TO PROVE THE DEBT MANY TIMES AND THEY JUST SEND ME NOTICES OR JUST CHANGE THE AMOUNT DUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are posting inaccurate information on my credit reports. I was NEVER late!!! They are saying I was 30 days late and it is not true. They have admitted that they were wrong and sent me a refund check for the late fee. I have been going round and round with them for almost 10 months now.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX, for committing identity theft. I have never given XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX ) any right to collect on this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called them on the phone all three credit reporting agencies, XXXX, XXXX, and Trans Union and I have not had all of these inquiries removed that I did not authorize add explain to them I have not asked for credit in 14 months. Why do I have all of these inquiries, please remove them they have not done so and I do plant to buy a home when the rates go back down and home prices drop I want to be prepared and these inquiries are not mine or authorized
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX ( XXXX XXXX ) : XXXX I Disputed this account, and nothing was sent to me to legally verify this account.
Product: Credit reporting

This is written notice to Equifax that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the erroneous account ( XXXX XXXX XXXX ) in which have been illegally displayed on my credit file, be validated, and if validation can not be made within the 30 day time frame allowed to Equifax by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Equifax has now legally exceeded the time frame allowed by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes.
Product: Debt collection

On XX/XX/2018 I received a notification from XXXX XXXX that a new derogatory account had been added to my credit reports. Upon logging in, I saw that on XX/XX/2018 Midwest Recovery systems had added a new collection account in the amount of {$220.00}. I sent them a certified letter on XX/XX/2018 requesting validation of the debt within the next 30 days and also telling them that they needed to remove the unvalidated debt claims from all 3 of my bureau reports. As of XX/XX/2018, I have not heard anything from them nor has anything been removed from my bureau reports. I was never contacted by them in writing or by phone before they threw this alleged debt collection onto my credit reports causing my fico scores to drop.
Product: Debt collection

On XX/XX/XXXX I've submitted CFPB complaint # XXXX against American Honda Finance Co. ( AHFC ) which reported me to the credit monitoring agencies on XX/XX/XXXX as having a " major delinquency '' for me not paying them {$100.00} without ever sending me a bill or any other form of notification about it. I found out about this fact only on XX/XX/XXXX from a credit report sent to me by my financial institution where I'm trying to refinance my mortgage. Since then I've tried to mitigate the issue with AHFC via numerous telephone conversations where their representatives have admitted having a wrong house number for my address, which is not true because I have a letter from AHFC accompanying a title of purchase by me from them previously leased vehicle dated XX/XX/XXXX with my correct address. This is a classical case of AHFC practicing " parking the small debt with a debt collector and reporting a consumer to the credit agency without expending resources to contact a targeted consumer who'll find out about the debt only when doing some activity requiring a credit report. When on XX/XX/XXXX first contacting AHFC via telephone about this matter I was transferred without a warning to a collection agent who initially didn't clearly identify herself but collected all my personally identifiable information. Only at the end of the conversation I found out that who she was. I asked her why didn't her collection agency never send me a bill which was reported to them according to the credit report on XX/XX/XXXX. She said that they had a wrong house number for my address on their files. How is this my fault? After this phone call I received a first ever letter ( attached ) dated XX/XX/XXXX from this debt collection agency called XXXX XXXX, XXXX ( XXXX ) demanding for me to pay {$100.00} where the Original Creditor is AHFC, without any explanation what I was billed for. I have not received a bill explaining the {$100.00} charge from either company to this date. I did contact XXXX via telephone, left a voicemail identifying myself, stating the issue and asking to call me back. No one has called me back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was supposed to fix my balance, the manager never did. Not only an eviction notice was placed on my door after I told them I was moving out. Bu they wrongfully charged me and sent me to collection. XXXX XXXX XXXX sold/shared my personal information to third party without my consent. who then reported to my credit bureaus XXXX XXXX, the landlord called and cancelled my contract, they put a charge off on my credit reports. 
XXXX XXXX sold/shared my personal information to a third party without my consent. Third party reported the collection to my credit reports Credit Bureaus have verified my address for the third parties
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to report that I have been the victim of identity theft, as evidenced by unauthorized inquiries on my credit report. According to 15 U.S.C 1681, credit report agencies are acting unlawfully and defaming my character by allowing these inquiries to appear on my credit report without my permission. These unauthorized inquiries have resulted in significant damage to my credit score and have made it difficult for me to apply for credit. As a result, I believe that Equifax violated my rights under the Fair Credit Reporting act, which requires that credit reporting agencies maintain accurate and up-to-date information about consumers. I urge the CFPB to take swift action to address this issue and ensure that Equifax is held accountable for its actions. I would appreciate any assistance you can provide to rectify this situation and restore my credit report to its rightful state. Thank you
Product: Mortgage

XXXX # XXXX. I have been in contact with Bank of America, and they submitted initial explanation of my original inquiry, however there are still questions. I have reached out twice to the representative, and left two voicemails, however have not heard back. I understand that since it's XXXX XXXX / XXXX week, communication is a little delayed, however I would like to receive a final response on " other deferred amount '' totaling {$3800.00} pertaining to the Home Modification loan of 2010. My question is, is the deferred amount a fee of the modification loan process, or is this amount corresponding to missed payments? At no time during this time was a payment missed, but rather the payments were purposely withheld by BOA so that I could qualify for the XXXX XXXX loan. Therefore the deferred amount previously mentioned is non-existent. I would like to have clarification on this question. Thank you very much in advance.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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: Debt collection

I received a letter on XX/XX/XXXX for a sum of XXXX for a supposed debt in XXXX that I owed on a XXXX XXXX. ( this per a XXXX XXXX in a phone call XX/XX/XXXX at XXXX am est when calling in for info ) I have NEVER owned a XXXX XXXX in my life. This scam was attempted by XXXX XXXX last year, case XXXX with CFPB however with a different sum of money, ( which also violates the Federal trade credit collection law of different amounts ) I Reached out in regard by phone call to XXXX to find what the debt was about on XX/XX/XXXX. No info was given just that a debt was owed for XXXX for a debt on a vehicle I NEVER owned. The company presents themselves as XXXX XXXX XXXX in XXXX XXXX, Il XXXX. The only time I ever owed any money on a car was in XXXX. This was paid off and there action violates the act of XXXX XXXX. Be wary as they may be searching antique files to scam individuals This company needs investigated and held accountable. Please reach out to your attorney general or law enforcement if you receive any letters from Settlement Department in XXXX XXXX Illinois.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 2 certified letters to XXXX, Equifax, XXXX  and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX XXXX XXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to try to get approved for multiple vehicles because Credit Karma showed I had a credit in the XXXX. Because of this information I attempted. I have received a notice from XXXX XXXX XXXX Corporation Fulfillment Department stating that at this same time of XX/XX/XXXX when Credit Karma stated I had a score in the upper XXXX that I actually had a XXXX according to XXXX. If I had known this was the case I would not have wasted my time, energy, or stress on myself or my credit. I have assumed multiple hard inquires that have further dropped my credit to a XXXX on Credit Karma which I would assume is in the lower XXXX. I feel wronged and misled and something should be done.