23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed a complete loan modification application on XX/XX/XXXX. Following that, the bank filed a Praecipe for sale on XX/XX/XXXX. At around the same time, SPS informed me that I needed additional 'Required Information ' in order to review my account for a loan modification. Around XX/XX/XXXX, I learned that a foreclosure sale had been set forXX/XX/XXXX. I filed with SPS all of the " Required Information ' on  XX/XX/XXXX, which was 39 days prior to the sale date of XX/XX/XXXX. As a result of having a complete application, and the updated 'Required Information ', SPS should have taken steps to stop the sale pursuant to federal law. However, what has been happening instead is almost everyday since XX/XX/XXXX, SPS has come up with a new piece of 'Required Information ' that they then tell me will take 4-5 days to evaluate after I submit that newly-required information. If there was new information required, it could have and SHOULD have been given to me all at once so that the whole process could have been completed within a week. And by 'whole process ', I mean the process of establishing what, if anything, was still missing. Instead, it 's been nearly three weeks since I submitted a complete application, and SPS still ca n't tell me if they have everything. At the same time, they 've refused to stop the sale. This appears to be a deliberate attempt to inflict emotional distress, and to that extent, its clearly working. I 'm confident that when I call back later this week that they 'll find something else new, and another 4-5 days will be added to the ongoing agony of having the sale date hung over my head like a sledgehammer. It 's truly unconscionable. In addition, I have repeatedly asked SPS to 'Cease and Desist ' any and all collection activities on this account since they have failed to properly Validate the Debt per two letters I sent them via certified mail. Instead, they simply respond that they we '' Cease and Desist COMMUNICATION with me, but they are still moving forward with collection ( IE foreclosure sale ) of a non-validated debt, in clear violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to follow up compliant on my previous complaint against Wells Fargo regarding the violation of my rights under the Fair Credit Reporting Act. In response to my initial complaint, Wells Fargo provided a response that did not adequately address my concerns, and their subsequent actions have continued to violate my rights as a consumer. 

As I previously stated, Wells Fargo has violated my rights under the Fair Credit Reporting Act. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Despite these clear violations, Wells Fargo has continued to report inaccurate and derogatory information on my credit report. In their response to my complaint, they confirmed that they are accurately reporting the account as " Closed ; {$0.00} Balance, '' with the last date of activity being the last payment of {$480.00} made on XX/XX/2019. However, they failed to address the fact that they are still violating my rights as a consumer. 

Furthermore, Wells Fargo 's response to my complaint was condescending and unprofessional. They stated that they are " unable to honor the request to delete or update the reporting to reflect a more favorable account history, '' which implies that I am requesting something unreasonable or unfounded. On top of this, they made derogatory updates to my account further damaging my credit. This tone is unacceptable and only adds insult to injury after further damaging my credit. 

I demand that Wells Fargo immediately remove any inaccurate or derogatory information about this account from my credit report. They must also provide a written explanation of how they plan to ensure that they comply with the Fair Credit Reporting Act in the future. 

Thank you for your attention to this matter.
Product: Checking or savings account

Chase bank locked me out of my bank account and is falsely accusing me of suspicious activity because I use a virtual private network ( VPN ) when signing into my account and trying to send money from it using XXXX. 

Chase bank is also refusing to accept my state ID and Chase bank debit card as valid forms of identification for verify that I am the owner of my account.
Product: Credit reporting or other personal consumer reports

I am urgently appealing for the removal of this mistaken late payment from my account. My consistent track record of timely payments contradicts this entry, which is causing me unnecessary worry and distress.
Product: Credit card or prepaid card

I filed a claim online with XXXX under their Auto Rental Collision Damage Waiver protection program on XXXX XXXX, 2017 for the amount of {$740.00}. The claim number is XXXX. <P/>I have filed all required documentation through their online portal. However, it has been almost 3 months since the date of the initial claim and I still have not been reimbursed.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was placed on an administrative forbearance by Mohela despite my request to not be put in it out of fear my last few payments for PSLF would not count. I proactively called numerous times and was assured each time ( see call history below ) that these would not impact my payments counts. I have waited three months to have my chart reviewed, they have finally updated the payment count which is now at 121 ( 120 required for PSLF ) but they have not counted the payments during the forbearance ( XX/XX/XXXX, XX/XX/XXXX ) and have marked them " ineligible '' resulting in leaving me at a count of 118 and not sending my application off to Federal Student Aid for final forgiveness. I am now stuck in this limbo where I am not accruing qualifying payments due to the forbearance but they will not remove the forbearance. This is illegal and something needs to be done. This is my livelihood. 

XX/XX/XXXX XXXX XXXXXXXX spoke to XXXX XXXX requested my ineligible payment in XX/XX/XXXX be moved to qualifying as I made a payment in XXXX, stated he would have this changed requested Forbearance be removed. Session key : XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke to XXXX XXXX She stated forbearance is in place XXXX thru XXXX. I requested ineligible payments be moved to qualifying. She stated she put a note in my chart. Transferred me to supervisor ( XXXX ) was on hold for 2 hours and she never picked up. Session key XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke to XXXX XXXX addressed the ineligible payments due to forbearance, stated the " IDR one count adjustment will take care of that ''. Should hear something by XX/XX/XXXX Session key : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke to XXXX re : status of student loans. Suggested I submit page 1 before my chart gets assigned to someone- this was completed same day ( XX/XX/XXXX ) Session key : XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke to XXXX : told her I noticed my payment counts were updated to 118 and stated this was incorrect as the " ineligible '' payments should count as well. Was told it's still being processed despite the documents section showing " processed ''. Was told again that the ineligible payments will not count against me Session key : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX : received online message of processed paperwork with nothing changed. 
XXXX XXXX XXXX XXXX XXXX XXXX  spoke to XXXX. Asked to speak to a supervisor, was transferred to an answering service that disconnected me.
Product: Debt collection

The collection agency did not notify me about the debt and refused to provide any information regarding the account during our phone call today. I have disputed the debt multiple times and requested verification. Additionally, I filed an ID theft complaint with the FTC and the local XXXX, and I received a police report. 

The collection agency seems to play games with consumers by ignoring my requests. The original creditor, XXXX, is also a collection agency under the XXXX  XXXX XXXX. They have resorted to retaliatory actions against me as a consumer. 

Just last week, I made a purchase at XXXX on the XXXX XXXX XXXX XXXX using my personal credit card. The following day, when I attempted to return the item, I was informed that my ability to make returns had been blocked by XXXX due to issues related to checks. However, I have never written a check to XXXX in the past.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than XXXX.This is done XXXX XXXX by me. The stuff on XXXX  XXXX  report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of XXXX  reports I never gave any XXXX  consent to report XXXX  on my XXXX  reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts -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: Debt collection

I noticed I had a negative mark on my credit report on XX/XX/2019 involving a medical debt that was being handled by Works & Lentz , Inc. of XXXX XXXX, OK. I have never received any notice via phone or written communication of this debt from Works & Lentz , Inc. Upon further investigation with my insurance company and the provider, a claim had never been filed and I had not received any bills due to error in my address on file. The claim has now been submitted and I was advised to notify the debt collection agency that the debt was now in process of being resolved. Upon calling Works & Lentz and  explanation of events, they wanted my contact information to now notify me of the debt. The individual on the phone also wanted our insurance information and DOD number even thought they are not the ones filing the insurance claim. I promptly ended the phone call at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with Santander. The vehicle was subsequently totaled. My insurance covered some of the loss while the gap insurance I had covered the remaining balance and sent the remainder owed to Santander. Santander then argued without merit that they were owed more money. Santander has put a delinquent account on my credit reports and refuses to remove them even though they are incorrect.
Product: Credit reporting

I have XXXX Bank account ending in # XXXX appearing on my Experian credit report. I 've disputed this account with them and it still remains even after the company states that the account does not belong to me. Please get this account removed ASAP. It has a huge negative impact on my credit report. Please find that I 've included the letter from XXXX that states that the account should be removed.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft with XXXX XXXX XXXX  account numbers XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX  number XXXX, Amerihome Account number XXXX, and XXXX XXXX  Account number XXXX.
Product: Checking or savings account

XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, AZ XXXX USA drafted {$83.00}. from my account on XX/XX/year> for an product that expired on XX/XX/year>. I paid for my email on XX/XX/year> {$23.00}. I never authorized or agreed to pay for a product had legally expired. The company said i would receive a refund but i received a email stated i will not be refunded. i never authorized XXXX or US Bank to transfer my funds. The was expired on XX/XX/year> i should have been charged funds for an expired product. my XXXX customer number XXXX Thanks XXXX
Product: Prepaid card

I have been experiencing issues with my Flexible Spending Account ( FSA ) managed by XXXX. Despite multiple requests, I have not received my FSA card, which has prevented me from accessing my funds for the past six months. Here are the details : Initial Request : I first requested my FSA card on XX/XX/XXXX Follow-Up Requests : I followed up with Optum customer service on email and calls each month until XX/XX/XXXX. 

XXXX XXXX : Each time, I was told to wait for the card to arrive, but it never did. 

Impact : Due to the delay, I have been unable to use my FSA funds for eligible expenses, causing significant inconvenience and financial strain. 

Actions Taken by Me : Contacted XXXX customer service multiple times. Contacted employer to communicate directly with them. 
Confirmed address and info they have on file. 
Requested card activation assistance. 
Asked to escalate the issue. 

Actions Taken by the Company : Advised me to wait for the card. And kept saying sorry on phone, No resolution provided despite repeated requests. 
I believe this delay and lack of resolution may violate the terms of service for my FSA account. I am seeking assistance to resolve this issue promptly.
Product: Payday loan, title loan, or personal loan

Solar panels were put on my roof as of XX/XX/2022. XXXX was done XX/XX/2022 failed bc the company XXXX XXXX  failed to do the right plan. XX/XX/2022. A third party that had to come out to fix their problems fixed my issue. Now Im waiting on final inspection and cant get it bc we need a compliance letter from the solar company. But XXXX XXXX took everyones money and ran. We all got scammed and good leap financial is still changing us monthly payments for something that is not even functioning. Is this legal? I want to stop payments but I do not want to have a bad credit report. I need some help here bc they are taking everyones money and nothing is functioning. XXXXXXXX XXXX of XXXX is no longer in business so how are we going to have our stuff fixed and functioning. Last I heard the owners are in jail for embezzlement. 
I can send the contract in a private email once I hear back from you all since you didnt want names or account numbers and such. I really do appreciate you.
Product: Debt collection

This company is illegally attempting to collect a debt not owed. Our former landlord repeatedly violated the terms of our lease agreement, all violations are photo and video documented, forcing us to move. The landlord is attempting to charge us for rent not owed. In Iowa, the law clearly states that since we were forced to move due to landlord lease violations, we owe nothing. In order for any debt to be incurred the landlord in a rent dispute according to Iowa statute would need to sue and obtain a court ordered judgment. That has never happened. I have no signed agreement or contract with this collection company agreeing to pay them. They are therefore illegally trying to collect money not owed, and are violating Iowa law as well as the FCRA and FDCPA. On multiple occasions National Credit Systems have called my place of employment even after the first occasion when I returned the call on XX/XX/year> to XXXX XXXX, an employee of National Credit Systems, at ( XXXX ) XXXX and informed him it was against the law to contact my employer. The repeated calls were XXXX thing, but National Credit Systems had illegally obtained my place of employment violating 15 USC 1681 section 602. National Credit Systems has acted outside of State and Federal law on several occasions to collect on a debt they have no right or legal authority to collect.
Product: Mortgage

I am trying to pay-off my loan. During the process they are said that I owe an additional {$1100.00} in Taxes + a final {$630.00} in principal. After much discussion about this " Tax advance '', I called the XXXX XXXX XXXXXXXX and learned that I lost an exemption, which increased my tax amount owed by {$810.00}. My taxes are escrowed and Wells Fargo did not pay the amount due. That is what caused the penalty of {$380.00}. I have been going round and round with them for over a month. XXXX said that she was going to call me back with the info requested. She did not. I left several follow-up messages for her, she won't return my calls. XXXX said that she was going to have a XXXX call me. She did not. On XX/XX/year> I got fed up and requested to pay off the loan. I sat on hold for an hour waiting for someone to take the call and take my payment. XXXX kept apologizing. This is a huge issue. XXXX ) Wells Fargo is charging customers penalties and interest on escrowed taxes when the Wells Fargo XXXX Department doesn't pay them on time. XXXX ) They are extremely unresponsive. Because of their lack of responsiveness, I am now paying them additional interest because my original payoff statement has expired. I am ending my relationship with Wells Fargo, but I would like a full return of my escrow account, including the {$380.00} in penalties that they stole from my escrow account.
Product: Debt collection

This is my office work number we are talking about at my work.XX/XX/XXXX XXXX: Got this collector from Cash Call calling me at my work number talking down to me and would not stop or listen to me and just rudely interrupted me and kept on over voicing me. I told him that this my work number and to call me again .XX/XX/XXXX XXXX: Calls back again telling me that he'll call me as many times as he wants and there's noting I can do about it - As I am telling him off, he thinks it's the funniest thing in the world. I warned him that I will report him if he continues to call me at work.he said he will continue to do so as long as he pleases and I hung up again and didn't answer my own work phone anymore.Got pretty sick and couldn't work until XXXX XXXXXX/XX/XXXX: Calls again and we end up in another yelling and screaming contest, where he is saying that the calls are being recorded and i better talk to him otherwise he would play them to my supervisor so he can hear the language I am using and what kind of a person I am. Again I am telling him not to bother me with his calls again at work and again he is saying that he will continue doing that. Now determined to file a complaint I ask him for his number he says as he gives it to me there we go, call me when you calm down and we can talk again. I hang up.XX/XX/XXXX around XXXX: I have a voice message on my work number, ridiculing my work title and ordering me to call him back at the XXXX number - I assume this a variable drop and get a new number type thing, because there hasn't been any reports on it yet, so all this stuff with proper caller ID etc per FCC + FTC guidelines are a joke for cashcall and nobody steps on their toes.I know he will not stop, so I will not be answering my WORK phone for a while because of this XXXX until I get a response from the CFPB, while I look for a good attorney to get the voice recordings and sue the fine people involved in this.
Product: Debt collection

In 2000, I graduated from college with several student loans. As I was looking for a career, I read that if I work as a XXXX in a high poverty, high risk/XXXX XXXX XXXX, I could get partial forgiveness. I worked as a XXXX  for 5 years in a high poverty/high risk, XXXX XXXX XXXX. I filled out the paperwork and had my XXXX sign it. After submitting the application I was declined. When I called to inquire why I was declined, I was given the following explanation. I was declined because I had loans before 2000. I was only eligible for the loans in 2000, therefore they wouldn't grant a partial repayment.

This was not mentioned in any of the paperwork, not even the fine print. The fine print said " I had to be fully employed, at a XXXX XXXX, Spend 90 % of my time with XXXX, at a XXXX that was XXXX XXXX '' Never did it mention that my loans had to be after 2000 to be eligible.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I wired {$25000.00} from my XXXX XXXX checking account to my stepson 's Chase account. The name of the recipient was correct but the account number was wrong by a couple of digits. multiple requests to have that money returned to my checking account or have deposited it to the correct account number has failed to yield any information or response from Chase. XXXX XXXX tells me this is most unusual as money wired in error to an account the does not bear the name of the intended recipient is returned automatically to the sender. 
Chase has confirmed that that money is in their system but will not provide any further information. XXXX XXXX has placed multiple requests for return of funds to the originating checking account but Chase Bank has not responded.
Product: Debt collection

After checking my credit report recently I began to do more investigating. I discovered several accounts that I am not familiar with. In the past, I have been a victim of identity theft, so I asked the companies to give me more information about the debt. On XX/XX/XXXX I sent the creditor a letter asking for additional information regarding the debt they are attempting to collect from me. They have failed to respond to my request but continue to report the information to the credit bureaus. They are in direct violation of the Fair Debt Collection Practices Act 1692 which states they are to provide this information upon my request or cease collection activity.
Product: Credit reporting or other personal consumer reports

I had an AMEX credit card shared with my son. He does work on my house and I needed him to be able to purchase materials. I haven't used the card in a while and in XXXX, I got an 'Important " email stating that if I didn't use my card, they would close it in 90 days. The statement was friendly and had a bolded area of what I should do if I chose to let it close. Just destroy cards and notify anyone with the account. I never expected my credit score and my son 's to take a big hit. My score went down by XXXX and my son 's XXXX went down by XXXX points, on the day it took effect. I've discussed this with AMEX customer service that told me to call 'AMEX Credit Bureau Unit ', who tells me to call customer service. AMEX keeps telling me to call the credit bureau but I know they can't change what's reported. My issue is, AMEX should have had a professional responsibility to warn me that the " line of credit ' I held with them would directly reduce my 'available credit '. With all the efforts out there costing ppl to repair their credit score, as a consumer, no effort was made to warn me. Any consumer would've 100 % made a purchase to keep that level of available credit. I had no idea. I casually thought it was just a " XXXX '' balance credit card that wouldn't make a difference. AMEX refuse to reinstate the card and understanding that, this shouldn't happen to anyone else. I'm asking for consumers to be better informed by the financial institutions. AMEX completely disassociated themselves with any knowledge of factors impacting credit scores. I'm so sorry I did this to my son. We all work so hard for a good credit rating, yet there's no protection ( info ) required from a credit card company that could've saved me. I only had to make a purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Waypoint Resource Group is reporting a debt on my credit file that is not mine. I have asked multiple times for validation of this debt and have received nothing. They are reporting a debt for XXXX and I have never had XXXX!!! This needs to be removed.