23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My name is XXXX XXXX and I lost my debit card on XX/XX/year> and I reported it to Fifth Third Bank ( XXXX  ). I informed the bank that my card was stolen between XXXX as I did not go to XXXX to use the {$12.00} cent that I reviewed on my XXXX XXXX XXXXransaction. The bank has implemented a rule that I have to fill out the dispute form before the debit card is shipped out. I believe that neither are related as I need my debit card because I have a family to take care of, bills to pay, interviews to prepare for, and a planned trip for my birthday. The bank 's final decision is that I must wait until I fill out the dispute form before receiving the debit card that will be sent out in XXXX business days while the dispute form will be sent out before in the same amount of time. That results in two weeks that I will not have access to my funds. 

I would like Fifth Third Bank to ship my card along with the dispute form so that I can have access to my funds.
Product: Credit card or prepaid card

Hello, In XX/XX/2021 Synchrony Bank AKA Banana Republic XXXX XXXX card changed their rewards program. I spoke with a representative from Synchrony Bank in XX/XX/2021, name unknown. They assured me my old rewards would transfer over to the new system, which is maintenance by Gap rewards. I was told my rewards would not expire. Well, this is far from the truth. According to XXXX representative from synchrony bank on XX/XX/2021, I had {$5100.00} in expired rewards. I spoke with several representative with no resolution. XX/XX/2021, I spoke with XXXX supervisor with Gap rewards, she could only offer me {$20.00} in rewards. This isnt satisfactory! I used this card only to receive rewards. In my eyes this is fraudulent activity. They are not standing by the information given to me by their colleague on synchrony bank side stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts are reporting the account status inaccurate these accounts below are paid! XXXX, Transunion, are in violation for not reporting the account status as PAID. 
please update this account or delete it from my credit report XXXX XXXXXXXX - TRANSUNION REPORTING ACCOUNT STATUS AS DROGATORY AND ACCOUNT HAS BEEN PAID XXXX XXXX XXXX - XXXX REPORTING ACCOUNT STATUS AS DEROTORY AND ACCOUNT HAS BEEN PAID XXXX  XXXX XXXX XXXX REPORTING ACCOUNT STATUS AS DEROTORGY AND ACCOUNT HAS BEEN PAID
Product: Credit reporting or other personal consumer reports

In response to the recent investigation, I hereby submit my disagreement with your findings and request complete accuracy in the matter. I am not convinced that sufficient efforts were made to contact the creditor responsible for reporting the account information in question on my credit report. Therefore, I am seeking further information regarding the specific account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I request notification once the account has been updated. Following this update, kindly provide me with an updated copy of my credit report to the address specified.
Product: Debt collection

Fair Debt Collection Practices Act Violation There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX is in Violation of The Fair Debt Collection Practice Act 15 U.S.C 1692 against me, XXXX XXXX as of XX/XX/XXXX. On XX/XX/XXXX, it was brought to my attention via a phone call from RMP LLC, that they are attempting to collect a debt that I do not owe and to furnished negative information to the Credit bureaus against my XXXX XXXX XXXX, in violation of 15 U.S.C 1692. 
I XXXX XXXX never received notes of this alleged debt from RMP LLC in violation of 15 U.S.C 1692 ( g ) ( a ) and was never afforded the opportunity to dispute this alleged debt in violation of 15 U.S.C 1692 ( g ) ( b ). I DISPUT THIS ALLEGED DEBT IN ITS ENTIRETY. If reported to the XXXX major XXXX XXXX XXXX, this negative information will grossly affect my ability to borrow money from any Financial Institutions and will affect my credit worthiness. 
I am also concern that a XXXX XXXX ( Unauthorized access, use, or disclosure of Protected Health Information ) ( PHI ) may have accrued due to the statement made to me by XXXX XXXX ( ID # XXXX ). She asked several times did you received and used A XXXX XXXX that may have been sent to you : In addition, XXXX XXXX used obscene language, the natural consequence of which is to abuse the hearer of her words, in violation of 15 U.S.C 1692d ( 2 ) Along with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of XXXX. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the State of XXXX XXXX against RMP LLC, Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I am a co-signer on a 2021 XXXX XXXX, my mom was the signer. I was struggling with financial hardships and didnt have phone service in the month of XXXX when I got a text from my mom stating wells fargo wanted to repossess the car. I asked her to call and ask what we can do to stop that and they told us to make a payment of {$800.00} and that they would pause the repossession. I got up the money and I made the payment by XXXX. XX/XX/XXXX came around and around XXXX they came and took my vehicle. When calling WF they stated that they were so sorry that happened, and that theyd put it under review. We called again, they asked us to make another payment to get the car back but it was still under review. Called a couple days later & come to find out, they didnt put it under review they went off and sold it and it was too late they were just trying to get more money from me. They put in an incredibly horrible bind and I am now without a car and unable to go get another one due to this. What a horrible corporation.
Product: Student loan

On XX/XX/2021 Fed Loan Servicing sent an email notifying me that I qualified for a refund for a payment I'd made during the Covid-19 deferment period. I requested that refund in early XXXX via telephone. It is now XX/XX/2021 and I have not received a refund despite the fact that the balance on my student loans has increased by the refund amount of {$2200.00} ( the sum of the interest on my loans ). I called back in XXXX and was told the refund was only just processed and a check would be mailed to me within 2 weeks to 2 months. The woman I spoke with claimed the check would arrive no later than XX/XX/2021. It is the XXXX. I have now been trying to contact them for days and have been met with ridiculously long hold times. Last Friday, XX/XX/2021 I was on hold for 2 hours ( despite a promised 15-20 minute wait ) before finally getting fed up and ending the call. Today, XX/XX/2021 I was on hold for over 30 minutes before the call disconnected. All of these calls have been made well within their business hours. My loans were unfortunately transferred to Fed Loan Servicing earlier this year after I applied for the XXXX program. Since then, they have also calculated my number of eligible payments incorrectly and show my having made FAR fewer eligible payments towards the program than what I have actually made. It is utterly disheartening that in addition to the stress that comes with student loan repayment, their service is so XXXX poor to boot. A loan servicer is supposed to offer support to borrowers and be sure that questions and concerns are adequately addressed, and in my experience, Fed Loan Servicing has completely failed to do any of this in the time that l have dealt with them. Over half a year of constant phone calls, and incorrect information and I have nothing to show for it but an increased loan balance and a XXXX program that I seemingly will never qualify for due to incorrect payment calculations. The United States government ought to be more discerning with whom they contract with and hold said contractors to higher standards. Fed Loan Servicing, at this point, should be out of business as my complaints are not unique. I want the {$2200.00} refund I requested and was promised issued expediently and for the payments I've spent years making to be accurately reflected on my account and counted towards XXXX!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with c ertified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, XXXX a charge from XXXX for the amount exceeding {$1200.00} as well as an out of state transaction was debited from my account for a total amount of {$1200.00}. These transactions were unauthorized, the card was not in my possession. Provisional credit was granted from bank of america. Claim number XXXX account ending in XXXX. Bank of america stated I have prior history with this merchant deciding to reverse the provisional credit and deny the claim. Which is untrue, I 've never had any prior doing 's with XXXX or XXXX in XXXX, XXXX. This is unjust, and unethical.
Product: Credit reporting or other personal consumer reports

These are the inquires I did not authorize. 


XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXnquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX 
XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Mortgage

My mortgage was purchased by green tree from XXXX services. They mailed my first statement on XXXX XXXX with a due date of XXXX XXXX. No problem, but when I tried to pay the bill they denied me access to auto pay which is the only pay method online that does not have a {$12.00} service fee. I called and they said to download the form and fax it. The site blocks me from downloading the form. I want to pay my bill without getting a XXXX XXXX credit card or incurring a fee everytime I pay my mortgage. Paying by mail is not a secure way to pay your mortgage.
Product: Debt collection

I contacted PlusFour who told me to contact XXXX XXXX XXXX there was nothing they could do. That their client had to contact them. I contacted the Billing Department of XXXX XXXX XXXX and was told by the Billing Dept that there's nothing they can do since XXXX didn't pay. I continue to get the run around from the Billing Department of XXXX XXXX XXXX and PlusFour. My insurance companies have reassured me that I had coverage at that time and should not have been billed. I have been dealing with this since XX/XX/XXXX and I am still in collections and I have yet to get this issue resolved. 

After my 2nd call, I spoke to Supervisor XXXX of XXXX XXXX XXXX and informed her about being sent to collections in error and that I have had coverage with XXXX & XXXX during the DOS that I was billed and sent to collections. I explained everything that was told to me during the 3-hour conversation with a rep from the state of Nevada 's XXXX office. She also didn't understand why XXXX was not billed and why I was sent to collections. 
Per XXXX of XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX did not pay for the following DOS & Claim No : ** XX/XX/XXXX XXXX {$22.00} **** I owe and paid this claim since my XXXX coverage did NOT start until the following month ( XX/XX/XXXX ) ** XX/XX/XXXX XXXX {$22.00} I had coverage with XXXX & Nevada XXXX at the time of this DOS ** XX/XX/XXXX XXXX {$26.00} I had coverage with XXXX & Nevada XXXX at the time of this DOS ** XX/XX/XXXX XXXX {$22.00} I had coverage with XXXX & Nevada XXXX at the time of this DOS ** XX/XX/XXXX XXXX {$99.00} ( XXXX ) I had coverage with XXXX & Nevada XXXX at the time of this DOS On my 1st call to the Billing Dept of XXXX XXXX XXXX, I spoke with XXXX ( male ) rep who disconnected the call after I repeatedly asked to be placed on hold to speak with a supervisor. 2nd call spoke with Supervisor XXXX. 3rd call left a complaint/message with CSR for management of the Billing Department which they still have not gotten back with me. When I call everyone is either busy, out of the office, in a meeting, or on the phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX XXXX  This doesn't belong to me. 

XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX This is not accurate. 

XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently i loocked at a copy of my credti report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that you will investigate these item for me to ensure accuracy. 
here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and someone my information has been used to try and open accounts. The inquiries are not mine or initiated by me : XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my recent credit report, I found several unauthorized inquiries as well as incorrect accounts. I sent a certified letter to XXXX, as well as submitted disputes online asking them to remove the inquiries and both verify and validate the accounts in question. Today I received a letter via mail, explaining that I did not need to give consent for inquiries to be given on my credit history. As these are inquiries that are not associated with any account, I do not agree that any company should be able to request my credit file without my written consent. They still have not provided validation or verification of the debts shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a XXXX Internet service, but XXXX did not get the service setup - indeed I have attached a voicemail message from a XXXX representative where he states that the service was not setup, however XXXX proceeded to bill me for the service that never was setup and never provided. I have several times reported this both to XXXX and to the debt collector that XXXX gave this over to - all to no avail as they just say their records show I received the service. The fact is they could not setup and provide the connection to my home and acknowledged this in the attached voice message left on my phone answering machine ; however, XXXX continued to bill me for what never got installed. I sought internet service and they threw in a phone line as a special addon offer, but I never received any of these. Indeed, after a year of disputing and getting their acknowledgement that they in fact never sent me the box with their modem that was part of the original order, they then, one year later without my knowledge, sent the the useless box with modem that could not be used because they had never completed the line setup to my house and the service obviously was not setup even then. For many years I have tried to straighten this out but my credit has been lowered due to their false claim on my credit showing " XXXX XXXX XXXX '' for " XXXX '' as a bad, unpaid debt on Experian, XXXX and XXXX  all to my damage. Even with my proof ( see voicemail from their rep attached ) it never was installed, they insist their records say otherwise. These arrogant companies deserve to be fined severely and pay for the damages they cause!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I paid the collection agency Sequium Assets for an account with a balance of {$710.00}, open date XX/XX/2021 and the original creditor being XXXX XXXX This account was since updated and closed on my credit report. On today XX/XX/2021 this same information was ILLEGALLY REINSERTED onto my credit report with that same balance and same date only difference is its a new agency called Focus Receivables Management. This was done without my knowledge or consent and without any prior notification. This is AGAINST THE LAW and NOT IN COMPLIANCE with the rules and regulations set forth by the FCRA. This derogatory information needs to be REMOVED from my credit report IMMEDIATELY or I will be forced to take legal action.
Product: Mortgage

I have a loan through Mr. COOPER and I refinanced from a 30 year to a 15 year in XXXX of XXXX. I also own another rental property which I sold on XX/XX/XXXX and during closing I learned that they, Mr. COOPER, listed XXXX other properties on the refinance in XXXX which includes the property I was selling on XX/XX/XXXX. They listed a total of XXXX parcels and listed them all as the XXXX XXXX XXXX property. One of these parcels I haven't owned since XXXX and the other is another rental property I own. I was told I have to pay off my mortgage with Mr. COOPER with the sale proceeds of my other rental. This is an error on the mortgage and I have been asking for the past 2 weeks for it to be corrected. They pointed me to XXXX XXXX XXXX who was the closing company Mr. COOPER used for the refinance and said it's their error. They are saying they have to work with Mr. Cooper to get it fixed. My profit from the sale of my other rental is being held up. Mr Cooper is awful customer service and no one seems to know anything. They sent me to a resolution XXXX, XXXX XXXX who can do nothing and stopped responding. XXXX XXXX XXXX also stopped responding. I think they are both fraudulent companies trying to scam me out of money.
Product: Mortgage

I want an appeal of CFPB 's inaction regarding Case number : XXXX. Bank of America stopped accepting my regularly scheduled mortgage payments which were set up by my Bank of America Branch Manager to draft bi-monthly from my Bank of America account. My account was filled with plenty of funds to make all due payments. BOA failed to notify me of this arbitrary cessation in any way whatsoever. BOA also failed to telephone me when my payments were not received. They then placed my account in Foreclosure and still failed to notify me in any way. Through my own research I learned BOA 's XXXX-based foreclosure attorney tried incorrectly, to deliver a foreclosure notice to my tenants. ( This property is a duplex and it has been a rental since the inception of the BOA loan ). Still, BOA made no effort to contact me. I learned about the forexlosure through my own efforts noticing my payments were in arrears on a basic monthly statement, going into the bank, being told I had ti call the XXXX Department. i was then on hold for 90 minutes inside the bank, told a " pay-off '' would be faxed within two hours to the bank branch and only then could i pay anything on my loan. The fax never arrived. I was then told after 30 or 45 minutes on the phone that payoffs are " never faxed '' and would be mailed. When it arrived I had to pay over {$2500.00} to reinstate my loan. I have since tried for almost a year to contact BOA and to obtain what I asked CFPB for - a refund of the {$2500.00} plus letters written to the credit reporting agencies to clear my credit. BOA has hung up on me multiple times and I had had no relief. CFPB considered this case " resolved '' on BOA 's word without obtaining any documentation from BOA. BOA has been sued by numerous state attorney generals for taking advantage of consumers. I ask you to do better in my case, please.
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXX XXXX XXXX  reference # XXXX and XXXX XXXX XXXX  reference # XXXX, with Trans Union, XXXX, XXXX Credit Bureau with you in response, you verified the item as accurate, and stated that you have verified the information with the court. I contacted the United States Bankruptcy Court XXXX XXXX XXXX Illinois stated The Bankruptcy Court does not report any information to the credit bureaus letter enclosed. I contacted XXXX XXXX and their letter response is enclosed Results of Investigation we have reviewed the information from our identification Records and determined the data being reported unverifiable the data in question has been removed. The data in question has been removed and our files have been updated after research conducted with the following source : XXXX XXXX XXXX.