23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received an " offer '' from a company ( I forget if it was a direct call, or web ad, or mailer ) that offered to setup a payment plan to repay my student loans. The company stated that after paying a minimum balance, based off of my income, after 8 years the rest of the student loan would be forgiven, as part of a student loan forgiveness program with the US Government. 

Opting for this, I setup a monthly payment with XXXX XXXX XXXX XXXX XXXX, speaking with XXXX XXXX, to pay {$46.00} a month. I signed a contract and sent a VOID check to take money directly from a bank account. Every month I received an email stating that these transactions had been made and that things were going well. For four years they collected payments from me monthly. 

After receiving a call about my student loans that no payments had been made, I began to look into XXXX XXXX XXXX. I couldn't reach any of their phone numbers nor emails as they had all been disconnected. They had taken my monthly payments and no payments had been made to my {$30000.00} in student loans.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported in Transunion only.
Product: Debt collection

Ad Astra Recovery Services has been trying to collect a Debt that has been paid in full. They also have entered the information on my credit bureau file showing i still owe the debt with a negative entry. I never received any communication from the original creditor that I still owe this debt. This debt with XXXX ( the original creditor ) has been paid in full. XXXX is evening emailing me on a daily basis to let me know that I can be approved for another loan with their company. I also have screen shots showing that I have no loans outstanding and that my account is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent out a validation letter to Wakefield and associates. I received a letter back from them but it doesnt include validation.
Product: Credit card or prepaid card

On XX/XX/16. I had a credit building account with XXXX I decided to go ahead and prepay the credit building loan. {$2500.00} was sent to my government t prepaid card with Bank of America. For 3 months I been trying to get my account back but they have not been very cooperative.
Product: Debt collection

National Credit Systems are attempting to collect a debt by XXXX XXXX XXXX that is inaccurate. They are using a copy of an inaccurate rent ledger from the original creditor to report this collection as accurate when I have provided them with rent receipts that consist of copies of my money orders and a check from a rent relief program. Eviction was filed on me XXXX XXXX for the amount of XXXX due to an inaccuracy in the leasing office records which I attempted to resolve with the property manager XXXX XXXX and district manager XXXX XXXX with my rent receipts. The issue did go to court in which I acknowledged rent had been paid accordingly except for the month of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the attorney told the judge that they didnt want to discuss the outstanding rent but wanted me to move. In which I was ordered to move within a week. Months later this balance was reported and a copy of this inaccurate rent ledger was mailed to me from a law firm on National Credit System behalf.
Product: Credit reporting or other personal consumer reports

Credit acceptance corporation for the balance of XXXX opened XX/XX/XXXX Is a case of identity theft the account must be removed no later that 4 business days. 

XXXX Opened XX/XX/XXXX for the balance of XXXX Is a case of identity theft the account must be removed no later that 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully drafted a letter after reading about fixing my credit on my own. 
I have wrong names and addresses and previous employers that are wrong and multiple accounts that are labeled as charge off with balances still owed and that is XXXX to report that along with the fact I never received a 1099 for these items and some other accounts I was not late on and don't belong to me. I demand you delete this non-compliant listing on my credit, or I will seek damages in court
Product: Credit reporting or other personal consumer reports

The XXXX Bankruptcy XXXX Clerk located in XXXX XXXX, CT, plays an essential role in delivering a wide array of services and resources pertinent to bankruptcy cases within the XXXX XXXX Connecticut. Under the leadership of Chief Judge XXXX XXXX XXXX and Clerk of XXXX XXXX XXXX, the court facilitates access to various information, forms, and support for both creditors and debtors, promoting an orderly and effective bankruptcy process. The court clerk has indicated that the court does not share information with any credit bureau, which is the basis for my request to have the erroneous information removed from my credit report.
Product: Checking or savings account

I am writing to file a formal complaint against Bank of America for their mishandling of a serious data breach and theft of my debit card, which has resulted in significant financial losses and ongoing challenges. Despite numerous attempts to address these issues with Bank of America, I have been with delays, denials of fraud claims, and a lack of support. 

The incident began in XX/XX/XXXX, when I added the Bank of America app and subsequently a data breach that led to unauthorized transactions on my account. Despite reporting the issue to Bank of America and requesting a replacement card, I have yet to receive a new card, leaving my account vulnerable to further breaches. 

Furthermore, Bank of America has denied all of my fraud claims related to the unauthorized transactions, stating that the charges were valid. However, during a three-way call with a customer service representative and the merchant in question, it was revealed that the transactions were deemed fake and invalid by the merchant. This discrepancy has not been addressed by Bank of America, resulting in significant financial strain on my part. 

Additionally, the available balances on my account have been inconsistent since the data breach occurred. A Bank of America customer service representative stated that my account was missing over {$50000.00} from XX/XX/XXXX to XX/XX/XXXX. Upon manual calculation, I have determined that the actual discrepancy amounts to {$27000.00} from XX/XX/XXXX to XX/XX/XXXX, despite making multiple deposits during this period. 

The continuous errors, delays, and denials by Bank of America have caused severe financial hardship and stress for me. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold Bank of America accountable for their negligent handling of this situation. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I have received notification back from the XXXX XXXXXXXX. They informed me that they do not provide Information to third parties, and that Under the Privacy Law of 1974 and the opt out Law states that any authorization that they believe that there is no longer and it needs to be removed Immediately. I did not consent nor give permission. If they said i did i do opt out. This was XXXX on XXXX XXXX.
Product: Debt collection

Upon my visit to XXXX XXXX XXXX XXXX and XXXX, I paid with my insurance and copay. I did not owe any outstanding. When PRINCE PARKER AND ASSOCIATES ( Debt collector ) first contacted me claiming {$260.00} as owed, I made it clear with receipts of payment to the clinic showing I did not owe any outstanding. This was on XX/XX/XXXX. PRINCE PARKER AND ASSOCIATES then claimed it was {$170.00} and reported it to XXXX, I disputed that, and it was removed. They turned around and reported to XXXX ; again, I disputed that, and it was removed, so now they reported the same amount of {$170.00} as new debt every month. Why they do that, I do not know. The latest report was done on XX/XX/XXXX. I do not owe where this amount came from, and neither am I owing
Product: Credit card or prepaid card

While on a flight on XX/XX/XXXX, I was incented to apply for a credit card with Barclays bank to get XXXX bonus miles the first time I used the card for any amount ( " welcome bonus '' ). Subsequently my application was approved, I received the card in the mail, and activated it without a problem. The first time I attempted to use the card at a local merchant on XX/XX/XXXX - the charge was declined. I tried using the card again the same day at another merchant with the same result. On XX/XX/XXXX I spent 30 minutes with their customer service call center to finally get an answer that my card was not able to be used until I provided 'know your customer ' documents by mail to the bank in spite of already being a Barclays customer with another open credit card. And, the Security department is not open on Sunday so I would have to call back. I requested confirmation in writing of which documents would be acceptable to clear the XXXX and be able to use my card. 

I was traveling internationally during the following week and attempted to use my other Barclays card on XX/XX/XXXX and that charge was declined. I called the Customer Service number again and was told they couldn't help me and I need to call a different number. That resulted in a call to a call center with a 90 minute wait time, directed to their customer service website that has no option for providing any XXXX documentation or list of acceptable documents. 

So now adverse action has been taken on both of my credit card accounts ( no access to my available credit ) without a solution or any documentation on why ( no written direction was received after my XX/XX/XXXX request for how to lift the block on my card ). I also have a specific timeframe to use my card to get the promised XXXX miles in my airline account and no way to use my card to get them. This also feels like a bit of bait and switch, there is no apparent reason for my account to have been flagged for XXXX documents since I'm an existing customer. And the clock is ticking on me being able to get the reward.
Product: Mortgage

I signed a contract with Rocket Mortgage, to refinance my house, that I owned free and clear. The home did not have insurance as I had bought it for cash tears earlier. As part of the closing, I agreed for home owners insurance and flood insurance to be paid for out of the my equity funds at closing, and then to pay extra each month for the insurances and taxes to be paid in escrow. 
However, something happened with the Flood Insurance and there was a wrong address or something, and I was told the check was sent to the insurance company, but no flood insurance was placed. I then received a letter from Rocket Mortgage telling me I allowed my Flood Insurance lapse. It is impossible for me to allow it to lapse, because it was paid for in closing and is escrowed. 
I contacted the mortgage company and all they would say is they were going to get Force Placed Insurance, so I contacted insurance agent and the mortgage broker trying to find out why I was going on. At this point, the mortgage company and the closing agent should have been looking into this. We eventually got the issue cleared up, which required me having to pay cash to the insurance comp-any, which was not the original contract agreement. 
Meanwhile, Rocket did the Force Place Insurance and changed my mortgage amount, then changed it again, and then charged me for the mistake. 
My mortgage is just under XXXX and I have paid XXXX early every month, yet I have not received full credit for my extra payments, and then Rocket began charging me late fees because I refuse to pay for the mistake in closing. 
Finally, they sold my mortgage and passed the problem to another company, where that company charged me fees that Rocket passed on, including a late fee, when all my payments have been made early. 
Rocket mortgage refused to work with me and fix the mistake that was made in closing. It seems the consumer was the only one not protected during the closing, and all the professional licensed professionals involved in the closing absolved themselves of all responsibilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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 submitted a dispute to XXXX  and Equifax about a bankruptcy public record in XX/XX/2018. The company has failed to remove any account and responded back as verified accounts ''. Therefore, since they failed to comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. Equifax deleted an inaccurately reporting Bankruptcy off of my credit file and reinserted it without a written five day notice which is a violation of the Fair Credit Reporting Act. XXXX and Equifax have not provided any documentation ; they did not confirm who verified the information or what company. The local Bankruptcy court stating they dont report to any Bureaus, so how can XXXX and Equifax not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else? They keep saying a Company verified but never say which company. The court has already said in writing they did not communicate with XXXX or Equifax. So, how did they verify??? I have repeatedly sent them requests for VALIDATION which they have failed to provide. The public records law states that a public record must contain all of the following in order to remain in a consumers credit file : Name, DOB, SSN, and address which this public record does not. Furthermore, they are reporting inaccurate public information on my file and it is hindering my ability to obtain credit. I would like for this account to be deleted immediately and not reinserted again.
Product: Mortgage

When I locked in a mortgage rate with our Loan Officer XXXX XXXX from Citizens Bank, we enrolled in the Rate Cap Protector Program, which states that we are able to do a 'float down " at no charge if rates come down before closing. Shortly thereafter, XXXX XXXX was fired from Citizens Bank, and our loan was transferred to a new Loan Officer, XXXX XXXX. He was not familiar with both the Rate Cap Protector Program, despite it being in our file, and did not recognize the contents therein. He also was unfamiliar with the specific loan vehicle, a physician loan, which made it cumbersome for him to check rates. XXXX XXXX refused to check rates on multiple occasions, in violation of our signed agreement with the previous Loan Officer, and ignored communication to honor the program and float down program. He refused to send things in writing despite repeatedly asking this. He also did not honor previous Loan Officer 's agreement to be able to but down the rate with additional points. All of this is in writing. The biggest complaint is refusing to check rates and communicate the rates with us despite repeated requests. XXXX XXXX provided false statements about his ability to honor the loan agreement and took misleading ( in ) action. 
On the dates of XX/XX/XXXX and XXXX XXXX XXXX refused to check rates for us, in violation of the agreement. I also have proof that rates did indeed go lower, which we would have liked to have taken advantage of given the Rate Cap Protector ( float down ) program we signed, as evidenced by other lenders/banks pulling rates that were lower than our previously agreed upon rate ( and the same terms - 10 % down, physicians loan, etc ) - on the same days that we requested rates from Citizens. Citizens had actually always beaten both XXXX XXXX  and XXXXwhenever I compared on the same day -- Citizens ' XXXX XXXX just did not check the rate when I asked in early XXXX. When compared to market rates and competitorrates as shown, from early XXXX, you can see that rates had improved from my original XXXX with additional points upwards of {$2000.00} ( again, compared to a lower rate, with a credit ) -- but he refused to new check rates in violation of the contract. 
We were in contact with the Citizen 's Bank Chairman 's Office, who are now no longer returning our calls or emails, as we have requested the refund and return of the fee that we paid to Citizens Bank for this program that they were in violation of to the amount of {$1400.00} which was the payment made on XX/XX/23.
Product: Money transfer, virtual currency, or money service

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 the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is way too old to be on my report and has been dismissed. It should not be on my credit report. The company removed it from only 1 credit reporting agency. Please remove it from all credit reporting agencies. XXXX, XXXX and experian need to be notified. Its been an unreasonable amount of time. Its an uncollectable debt. I am currently also financially impacted by the XXXX disaster and florida hurricane XXXX and XXXX. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and bbb complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for XXXX XXXX. This sort of behavior has since been termed " trump deraingement syndrome '' and this call center in Colorado must all suffer from it. Especially the females who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. XXXX, XXXX and Experian should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied. Thank you. Please provide your companies legal addresses as well for my demand letters, subpoenas and attorneys correspondences. I can not speak on phone due to a XXXX so please note this and respond by hard copy mail.
Product: Credit reporting or other personal consumer reports

My XXXX  account on experian hasn't been updated for a balance I paid off XXXX months ago, in the range of {$2400.00}. It is still saying I have this balance and it is harming my credit score. I have tried to fix it with Experian, but they will not pick up the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Mortgage

This is another complaint. 

Truist Bank has just sent me another letter stating I missed a payment. 
XXXX XXXX  confirmed that the issue lies with Truist Bank. Truist Bank acknowledged their error to myself and the XXXX representative. 
Yet, I receive another letter saying I missed a payment. 

Obviously, Truist Bank has issues managing it's accounts. A full audit should be performed immediately.
Product: Mortgage

Dear Sir, XXXX XXXX XXXX, 2016, we refinanced SLS loan # XXXX to XXXX. 
The escrow account had {$1900.00}, but SLS sent us a ESCROW PAID IN FULL CHECK # XXXX FOR {$450.00} - we have not cashed it! 
After several phone attempts, we finally spoke with SLS - XXXX on XXXX/XXXX/16. 
XXXX XXXX assured us that we would be receiving the difference within 2 weeks. It is now XXXX XXXX, 2016, well past the two week deadline and a couple days past the Georgia Law for damages for not satisfying the Escrow account properly. 

I expect XXXX checks from SLS : XXXX - will be for the {$1500.00} that is my monies. 
XXXX - will be a check for {$500.00}. for damages per Georgia Law I am sending this letter and supporting documents to the CFPB and to the Lien Release Department of XXXX , County, Georgia. 

Sir, these are the consequences of your past actions.