23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a letter in the mail from a collection agency and I called them they only asked me if I was going to pay the debt that it was a debt that I owed them I know that I did not owe them this debt because I was XXXX  originally while I was waiting for social security XXXX to be approved and it was I looked at all of my statements from the only bank that I have used for years and I sent that to the XXXX trying to resolve it through a dispute but that did not work I tried to call another company that now owns the loan and that number just keeps hanging up on me I answer all of the electronic questions but it only rings a few times and then disconnects. I know this is not my debt I don't know how somebody got my information that doesn't seem to be any other areas that of my bank account or anything else so they obviously don't have that information but they have just enough information to get a loan I guess I'm not sure how but because if they used my employment information at the time I was on XXXX  and then on XXXX after that so I can't imagine anybody would give me a loan based on my personal employment information or income information at the time because I like I said I'm on an it was on XXXX  and now I am on XXXX.
Product: Mortgage

My loan with XXXX was sold to Loancare aka XXXX XXXX XXXX XXXX. Prior to being sold XXXX sent me a shortage statement in XX/XX/XXXX in which they added my " Special Assessment Tax '' ( SIDS ) to my loan. This increased my monthly mortgage payment by {$110.00}. This tax has never a part of my escrow/mortgage payments and I have always made these payments myself. I received no notification from XXXX that this was being added to loan. Every time I called I was told " you need a buffer in your account incase you ever go short ''. I did not actually figure out what this {$110.00} was until MONTHS went by of going round and round with XXXX. I spent over hour on phone with supervisor going through every line item. This was sent to their research department ( more waiting ) then their agent XXXX finally completed the research to remove the tax, but oddly.. they now sold my loan and could not adjust this line item off my account. 

Starting over now with Loancare..On XX/XX/XXXX, with XXXX agent on phone, we ( XXXX & I ) called Loancare together and explained that the Tax item needed to be removed from my loan. They said I needed to fax this all in to them, plus give them authorization to speak with XXXX agent. This was all done on XX/XX/XXXX. Since that point I have faxed, entered tickets, emailed, and called at least 11 times to Loancare to get this line item removed from my account. XXXX at XXXX even tried calling Loancare twice to try and help me! When I call Loancare I am told Supervisors will call me back, they never do ; I 've opened tickets that no one knows how to look at on the customer service line. I 've been hung up on, and put on hold for longer than 30mins. 

I then on XXXX I received an email that Loancare made this {$250.00} Tax disbursement payment for me. I immediately responded to that email and got an answer back that a ticket was created and someone would respond ; no one did. Loancare had since XXXX to fix this issue, with my fax and open ticket. During this time I called on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX XXXX 's. This payment was also over a month early as the payment was not due until XX/XX/XXXX. 

The Tax /SIDs payment break down like this. 
XX/XX/XXXX I paid XXXX - then Cenlar paid XXXX XX/XX/XXXX No One Paid due to credit XX/XX/XXXX Loancare paid {$250.00} on XX/XX/XXXX. 
From XX/XX/XXXX - to date I have paid over {$1100.00} for this " shortage ''. Something is very wrong! 

I can provide all the listing of dates and times, agent id 's from both XXXX & Loancare from each time I called. I also have the statement from the City showing the history of these payments for this tax and that they have ALWAYS come from me. When I called the City they told me they get calls about this all the time and 3rd Party companies are selling this information and this is how it was added to my mortgage without me knowing. 

It has been over a month since I first contact Loancare and I need help please. I can not keep sending these higher payments.
Product: Mortgage

The mortgage servicer US Bank Home Mortgage has failed to accept the complete submission and review for Mortgage Assistance to XXXX XXXX XXXX. XXXX XXXX XXXX application was deemed received as of XX/XX/XXXX, at which time additional documentation was requested by the due date of XX/XX/XXXX. ( See attached document from US Bank ). US Bank Home Mortgage did not allow XXXX XXXX XXXX the promised time to complete the application; instead, US Bank Home Mortgage entered a sale date of XX/XX/XXXX 30 days from the date of the mailed letter. 

2 ) XXXX XXXX XXXX honored the request and provided the requested documents by XXXX. 

3 ) US Bank stated the application would be accepted on XX/XX/XXXX and on XX/XX/XXXX stated that the sale date of XX/XX/XXXX had been placed on hold and the application was being reviewed for modification. Later in the day on XX/XX/XXXX, it was then stated that the sale date was not canceled, and the file was denied. 

4 ) US Bank Home Mortgage improperly started the foreclosure process prior to the customer, XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect. 

4 ) In addition, this constitutes dual tracking, based on US Bank Home Mortgage providing correspondence that stated that file would be reviewed for mortgage assistance programs ; however instead of being reviewed, sale date was entered for XX/XX/XXXX and file was denied and US Bank is attempting to force illegally force a foreclosure sale date to press sale date of XX/XX/XXXX.
Product: Checking or savings account

Capital One Bank holds my direct deposit since Wednesday and no legitimate explanation has been given. Thousands of people like myself left in the dark, bills has to be paid snd the bank is holding ACH payrolls. Its not the first time Capital one bank is not depositing payroll into peoples account.. 
For people like myself, who lived paycheck to paycheck this direct deposit is extremely important and its absolutely unacceptable and the bank should be punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has verify inaccurate accounts on my consumer report. 
Pursuant to 15 USC 1681a ( e ) I am requesting that TransUnion show me who they interview and also the names and address of who TransUnion interview. 
CHECK ATTACHMENTS BELOW.
Product: Credit reporting or other personal consumer reports

There are 2 hard inquiries on my XXXX account for XXXX XXXX XXXX dated XX/XX/XXXX. The other is XXXX XX/XX/XXXX. These are fraudulent and do not belong to me. I do not fill out any applications for these companies. I have reported to the bureau, but no luck on resolution of these fraud hard inquires. 

There is also a credit card account that does not belong to me. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account open XX/XX/XXXX closed XX/XX/XXXX. This is a fraudulent account and wish to have this removed from my credit file. The account is listed on all 3 credit bureaus ( XXXX, XXXX, Experian ). I need help in this process. 

In addition, there is a new account on all 3 credit bureaus I'm requesting to dispute. XXXX XXXX dated XX/XX/XXXX. I do not recall this account and need assistance in deleting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit reporting agencies continue to violate my rights the fair credit reporting act says under 15 usc notice of results of reinvestigation ( A ) a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later the 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency also 15 usc 1681 ( A ) accuracy and fairness of credit reporting ( 4 ) states there is a need to insure that the consumer reporting agencies exercise thier grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy also see 15 usc 1681 ( B ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) in accordance with the written instructions of the consumer to whom it relates 15 usc 1681s-2 responsibility of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information ( A ) reporting information with actual knowledge of errors a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate 611.procedure in case of disputed accuracy 15 usc 1681 i ( A ) reinvestigation of disputed information subject to subsection g if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by consumer the agency shall free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate i am submiting documents with this complain proving that the credit agencies are violating my rights and ask that you please remove the following items from my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as you will clearly see there is alot of in accurate information on all of these account i have hilighted all of the inconsistencies and inaccurate information om my credit report im also sending you the letters i sent to the reporting agencies.

15 usc 1681 ( e ) section ( b ) compliance procedure section 1681 ( b ) accuracy of report 15 usc 1681 section 602 i have the right to privacy section 604 a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Requesting a Method of Verification Letter Dear Transunion I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a  transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.
Product: Checking or savings account

I filed a complaint against PNC this year and I still have not received an official response from them regarding my valid claim that I filed for unauthorized use of my debit card via my XXXX account by hackers in the XXXX. I received an official response from XXXX today XX/XX/2018 stating that 2 Credits from my claim were issued on XX/XX/2018 for $ XXXX and XX/XX/2018 for $ XXXX. Yet none of those credits are showing in my PNC checking account. Nor has PNC officials have addressed my current open complaint with the CFPB.
Product: Checking or savings account

I have an account in Capital One 360 Performance Savings Account. 
On XXXX XXXX I made a Mobile Deposit into this account. I received A notice on that day stating the following : After an in-depth review of the check deposit ( XXXX ) you made on XX/XX/2023, into your account ending in XXXX, we believe there is an increased risk that the deposit may return based on confidential information that indicates that the check may not be paid. To protect you from this potential risk, we've decided to delay the availability of {$17000.00} until XX/XX/2023. 

However, as a result of this review, we noticed additional unusual activity and for your protection we restricted your account ( XXXX ). A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money.

The next E-Mail I received that day stated : We wanted to let you know that your check was successfully deposited, so you can go ahead and destroy your check. Here are the details of your deposit : Amount : {$17000.00} To : Performance Savings, XXXX Deposit Date : XX/XX/2023 Fully Available On : XX/XX/2023 Availability Details : {$17000.00} on XX/XX/2023 It is nowXX/XX/2023, XXXX  business days later, and my account is still restricted and I do not have access to this money. I have contacted Capital One various times by phone and E-Mail and I have not received any clear indication of the status of this account. 

XXXX XXXX XXXX : XXXX E-Mail : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$470.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$6500.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

Several letters were received on XX/XX/XXXX from Marcus by Goldman Sachs informing me that " following an internal review, we have closed the above-referenced account ''. No more information was provided about how or when I would receive my funds ( or why the account was closed ). After phoning them I was informed a cheque would be sent. I didnt receive it by XX/XX/XXXX so phoned back. They informed me it can take up to 45 business days to send a cheque ( this is completely unacceptable ). In addition they have no tracking information to show that the cheque was sent. Based on their actions so far, I strongly believe that Goldman Sachs do not intend to return my funds. My goal is to get my balance back from my account and fair compensation for the financial hardship experienced while my funds were withheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are closed, they also are showing incorrect dates, and dates are not consistent.
Product: Credit card or prepaid card

I have been a Citi credit card member for many years. They have a process to submit disputes online by clicking on the charge and then clicking on dispute claim. I have done in this in the past with no problems. However, this feature has been disable recently by Citi. When I contacted customer service to submit a dispute they told me I had to do it online by 1 ) clicking on the charge and then 2 ) clicking on dispute charge. Again, this feature has been disabled by Citi. I told Citi through chat on XX/XX/XXXX I wanted to dispute a charge from XX/XX/XXXX, they said they would initiate the process and I would be called. I have not received a phone call and the charge has not been reversed. The dispute process was never started by Citi and I am currently liable for the full charge. I have contacted the merchant and they assured me that the charges would stop and I would received a refund. I never have received anything.
Product: Student loan

I am writing this summary in concern as a deceptive practice by Aidvantage student loan servicer. Below is a summary of what happened. 
XXXX XXXXreceived an email to confirm autopayment XXXX XXXX-confirmed autopayment on Aidvantage website and received confirmation email. No further steps provided. No further emails. 
XXXX XXXXreceived email that autopayment was cancelled due to no confirmation. No longer enrolled which forces me to now make payments myself and I lose the interest rate reduction. 
XXXX XXXX I sent an email requesting clarification as to why it was cancelled and received a response several days later stating I did not respond directly to an email to confirm my autopayment. 
I sent another email to Aidvantage asking about what email was supposed to be responded to as all the emails are automated and say not to respond, but receive no further response from them. 
XX/XX/23 I call customer service because I am no longer receiving a response as to what email I was supposed to respond to as I never received anything other than automated emails and I was told by the representative that there was an error and the emails were not sent to everyone so there was no option for me to respond to that email so I was unenrolled from autopay. I feel this is a deceptive practice on their part as likely many people have been removed from automatic payments and do not realize it and will miss their first payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : My credit report has address I discovered that are not mine on it and it contained some errors pertaining to the following my individual personal information. I am demanding that you promptly update and delete addresses that I never resided and may possibly be relatives address. These please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. 

My name is : XXXX XXXX XXXX, File Number XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX OH My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX HERE FOR 6 YEARS ( XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please send me notification that these items have been deleted, as well as updated. I hereby acknowledge that the above information is true and correct. 
There is account I do not recognize from a XXXX XXXX XXXX # XXXX this is a error please delete!
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a XXXX XXXX XXXX After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however, the information was not provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, FTC complaint, a copy of the report showing my information in the data breach, and a validation of debt letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX XXXX Balance : {$0.00}