23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This saga with XXXX is XXXX commonplace issue XXXX XXXX, their XXXX lawsuit for [ lying ] cheating stealing from their own customer base, does n't magically go away!!!!. XXXX Irrefutable proof } of a problem here. Before I filed a complaint with the govt. and the california XXXX. I argued, complained, confronted there sloppy blunders, they twisted [ obscured ] with weak apologies and promises to correct?! # NEVER happened?! # I do n't need to call anyone XXXX times a month and XXXX about some stupid errors, that should of never happened. NOW, XXXX is circumventing your authority, sent this deceptive bill to 3rd party. ( vantage ) I called and XXXX faxed XXXX them XXXX today ] talked to someone named XXXX XXXX plus XXXX they say the conversation is recorded. I told them I am disputing there fraud and deceit, why they have XXXX tunnel vision ]?! # They told me XXXX has me down as a excellent customer since 2008!!!! Imagine that?! # I filed a grievance with their [ billing ] and sales dept. supervisor for the deceptive sales practice from their XXXX telesales ] _again_ they failed miserably to investigate. Part of this cryptic deceit starts with their salesman [ lying XXXX to me that there [ XXXX tablet ] is {$190.00} no contract!!!! THAT was the only reason I called them in [ first ] place. SIMPLE MINDED QUESTION/ HOW MUCH FOR A LAPTOP [ RETAIL ] __NO CONTRACT____?! # Does it get any plainer than that?! # They send me some junk XXXX tablet with a arbitrary contract XXXX years. Some convenient {$170.00} early termination fee. {$75.00} restocking fee. Outrageous incompetence. I never agreed to any of this or XXXX aware ] of any hidden clauses. I sent this junk back within XXXX days, they manipulated these blunders for XXXX months with there cryptic balance billing, [ before ] I finally got credit XXXX accountability ] for it. Disgraceful!!!! NOW sent this fraud and deceit to a collection agency [ pretending ] they do n't know there is an obvious problem here. I still have [ not ] received my refund and/or credit for there forwarding XXXX cryptic ] balance billing, that I and everyone pays in [ advance ] before you get your service turned on. HOW should this manipulated deception of the facts be treated?! # XXXXbreached_ their own arbitrary contract, with XXXX willful ] fraudulent and deceptive billing practices. Failed miserably in good faith and fair dealing business practices. Customer loyalty, and satisfaction. They are required to eat these billing blunders on good standing, taking responsibility for their outrageous billing blunders!!!!!!!!!!!! I have XXXX lines with them. I cancelled with rage distrust, complete dissatisfaction.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am deeply concerned to discover that someone gained unauthorized access to my account and conducted a credit inquiry without my knowledge and approval. This breach of privacy adds to my ongoing frustration with the unresolved issues concerning these inaccurate accounts below. 

XXXXXXXX XXXX  Account # : XXXX Account # : XXXX I request urgent attention to rectify these disparities and they must ensure a consistent and accurate representation of my credit history across all bureaus. Failure to provide the exactness of reported information will result in further removal of these accounts as declared by the Congress in terms of accuracy policy. 
As per FCRA Sincerely, XXXX XXXX
Product: Credit reporting

I was trying to obtain a free credit report, I got as far as receiving the report on the screen. I was not able to print or save. The website froze. I have a report # but I can not find an outlet to ask for a reprint ; there are no numbers or emails to even send such a request for a website/technical error. Every link clicks to an address ( different state or city ) with a request for money. I have reached out via twitter to ask for a resolution - no response. Every year I go through this with ONLY Experian. I feel they are withholding my credit report, and trying to extort money in any kind of way from consumers. I have not been able to secure any new lines of credit, and I think they may be the hold up. I do not have bad reports from other bureaus. I do not understand what the problem is, as my request is only once a year. 
I simply want a free credit report as promised, and I do not want to pay for it as promised.
Product: Credit reporting or other personal consumer reports

REMOVE : XXXX XXXX XXXX, XXXX & XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.
Product: Debt collection

XX/XX/XXXX Consumer Financial Protection Bureau Office of Innovation - Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX XXXX Washington XXXX DC XXXX U.S. Department of Justice Internal Revenue Service Bankruptcy Specialist XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Washington, DC XXXX To : Consumer Financial Protection Bureau Re : US Bank - complaints on file : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( Marked as a duplicate complaint on XX/XX/XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Closed Marked as a duplicate complaint XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX Company response is in progress as of XX/XX/XXXX in relation to CFPB 's personal own statement that " Each week we send more than XXXX complaints about financial products anld services to companies for response. If another agency would be better able to assist, we'll send it to them and let you know. Most companies respond within 15 days. '' and the details listed below. 


Dear CFPB, on XX/XX/XXXX, a US Bank National Representative, on behalf of US Bank National Association, filed into the public records of XXXX XXXX XXXX XXXX XXXX, a list of their own Corporate Representatives, who have personal knowledge of all matters pertaining to me and any business relationship/interactions occurring between me and US Bank National from XXXX to the present date. 

The first complaint submitted to the CFPB regarding US Bank National was on XX/XX/XXXX and submitted thereafter, CAN be responded to within the 15 days alloted by the CFPB and the Bank does not require more time, as they have indicated in a response to the XX/XX/XXXX complaint. 

On XX/XX/XXXX, each individual listed below was personally named as a witness in an action filed against me by US BANK National, and each individual should be contacted directly to respond to all complaints that I have filed with the CFPB sent to US Bank National and are still awaiting their response.

US Bank National described these individuals witnesses as its own : " Corporate Representatives '' - see the attached Court Filing # XXXX E-Filed XX/XX/XXXX XXXX XXXX, who are individuals that are willing to and will testify as to authenticity of documents, the boarding process of business records, and that the records are kept in the course of regularly conducted business. These Corporate Representatives of US BANK NATIONAL have stated that they can also testify as to the fact that a default occurred and the amounts are due and owing. These corporate representatives of US BANK NATIONAL are listed as follows : 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 or other personal consumer reports

I have read their correspondence regarding my filed CFPB complaints back in XX/XX/2024. 

XXXX stated that these account were verified on their end but ; XXXX. XXXX XXXX OPERATIONS- Account # : XXXX account & must be updated to current status! 
XXXX. XXXX XXXX  - Account # : XXXX XXXXInaccurate Report! NO longer reporting to Equifax. 

Equifax stated that the account below is NOT currently reporting on the Equifax credit file, however, Im still seeing that this account is being reported on my Equifax credit file as per XXXX XXXX latest and updated credit report. 
XXXX. XXXX XXXX  - Account # : XXXX - Inaccurate Report! 

Lastly, XXXX stated that these account were verified on their end but ; XXXX. XXXX XXXX XXXX - Account # : XXXX -NO longer reporting to Equifax & XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX XXXXInaccurate Report! NO longer reporting to Equifax I would like to inquire about the method they employ to verify and validate the authenticity of the above-stated accounts? Why are some categories or information provided on my credit report still different from other credit bureaus? How did they conduct their investigation to ensure applicable and fair results? I still do not observe complete accuracy in their verification method.

According to Congress, if an account displays inaccurate details and the consumer disputes it, requests an investigation, and, following the investigation, the same inaccurate information persists in your furnished reports, then the disputed accounts should be subject to removal.

The significant question here is, why do the same inaccuracies appear concurrently in both of their previous and recent credit reports? Shouldn't all credit bureaus be reporting and obtaining the same information from a single furnisher? 

I need clarification on this matter and I insist that the above-mentioned inaccurate accounts MUST be completely removed from my credit report.
Product: Debt collection

The use of the debt collection tactic thats in question violates 15 us code 1681b, 15 us code 1681 a ( e ), 15 usc 1692c.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its stated that my balance has increased over {$1000.00} which affected my credit negatively. But I pay consistently on time. And I am not in bad standing.My credit score went down 31 points!
Product: Mortgage

My current ( new ) mortgage company is NOT applying my payments correctly. I send them payments bi-monthly. {$400.00} & XXXX/month. 
They are not applying the payments to the PITI ( which it is supposed to be ) they are instead applying the " extra '' payment to principal which is messing up my payments. They are wrongly claiming we are past due and hitting us with erroneous late fees also.
Product: Checking or savings account

on XX/XX/XXXX I deposited 2 checks thru an atm at BOA into my personal checking account at BOA.. both checks were drawn on local banks from tenants who have been paying me for long periods -- one for 15 years and the other for over a year, amounts were the usual monthly deposits ( nothing out of range ) .. there have been no history of failure to pay from these payers or their accounts.. the amounts were roughly XXXX and XXXX and I had over XXXX XXXX  in my checking account.. I received notice from BOA that the checks ( local banks mind you with good history ) were going to have a 7 day hold, including a weekend which now became a 10 days! the next day I deposited another XXXX and it was only held for 2 days ( the usual ) usually BOA has a 2 day hold which is reasonable.. I feel this hold is excessive, arbitrary and wrong. and was automatically done by a machine and customer service refused review it or to discuss with me, they hung up on me.. it jeopardizes my ability to get my mortgages paid ( all due the XXXX at the latest ) the hold ( is so long.. I want to know when those checks cleared!
Product: Credit reporting, credit repair services, or other personal consumer reports

sending to them? I have been requesting that the Credit Bureaus update the disputed account to appear accurate information on my Credit File, but despite all my efforts, the XXXX is yet to respond to my letters. The XXXX credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX {$280.00}
Product: Mortgage

I had a mortgage with XXXX when I bought my house in XXXX in XXXX my husband went XXXX XXXX XXXX a couple years later the loan was sold to XXXX XXXX XXXX in XXXX we got orders to XXXX to XXXX at that time I had called XXXX to start a deed in lieu we had to leave in XXXX from XXXX to XXXX we lived in XXXX I called XXXX everyday to try and get this deed in lieu done it always came back that they never got the fax or it was lost this went on until XXXX when we went to see a lawyer he called XXXX then things started to get going they got right back to us that day we had to pay off a sewer lien we got that done XXXX put a lock box on the house they had an appraisal done then I get a call the loan is sold to Green Tree Servicing I called them as soon as the loan was transferred to them I was told by XXXX that the deed in lieu papers would be sent to green tree that was not true I had to r refax the paper work again I did that then I was told by green tree they did not get it I refaxed it again now green tree will not even work with us because XXXX has a lock box on the house so green tree can not get into the house they said they can not do a deed in lieu I called XXXX to find out how to tell the people at green tree how to get into the XXXX as it stands right now XXXX or Green tree will not help us. 
We have not been in the house since XXXX we can not get any help from either company and just to add one more thing green tree said the house should have been listed for sale in order to do a deed in lieu when I asked them why they said that I was told that is how XXXX works the deed in lieu process I told green tree that XXXX is the one I was working the deed in lieu with so how could it be different rules they had no answer. we are a military family that had orders to XXXX in XXXX we bought the house in XXXX before my husband went back in the military as XXXX XXXX in XXXX. We need help I ca n't get a straight answer from XXXX or green tree I do have all paper work that was sent to XXXX and green tree I have all names of the people from XXXX and green tree that we have worked with we are now living in XXXX we moved her in XXXX XXXX we will never be able to go back to XXXX because of the military.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Today, XX/XX/2018 I received an alert from my fico stating that my name which I had already disputed with Equifax and thought I had it updated was reversed back to a previous name on my report. I have contacted Equifax, XXXX and XXXX more than once with this concern. I have sent in notarized documentation with supporting documents ile,. drivers license, and mail with my name and address information. However they refuse to update the information that is given. I find it very hard to understand how a credit reporting agency can at will go in and change your information on your report at will. This is very disheartening to find that a company can change your info at will. I am attaching my drivers license as proof yet again to prove my name and hopefully this time this name change will stick.
Product: Debt collection

The past few months have been incredibly difficult for me. I saw these accounts on my credit, and I do not know what an LVNV funding is or why it's on my credit. I read the FCRA and learned that I have the right to dispute the account and request verification. I have many times now, requested said verification, which I still have not received. I have however received threatening phone calls from agents of the company. I have asked them several times to cease telephone communication and to send me information by writing, which they have refused many time!
Product: Money transfer, virtual currency, or money service

I was using Cash app and I tried to dispute a charge, but they have no automated system or live service for me to get in touch with anyone.
Product: Debt collection

J and M law firm has attempted to call me both on XX/XX/XXXX and XX/XX/XXXX regarding a payday loan from a company that I don't have a history with ( I personally verified with that company ) The first call was from North Carolina, then ( in order ) XXXX XXXX, XXXX, XXXX, and XXXX, IN. They all say the same thing and Just started out of nowhere yesterday morning XX/XX/XXXX. My phone sends the number to spam, when they leave a message they try so hard to sound important. I XXXX  them and according to the XXXX  no law firm exists.
Product: Mortgage

In XXXX, I made my mortgage payment in full, knowing that this first installment covered both interest and principal. The following day, I contacted the bank to arrange a second payment within the same month, specifically asking for this second payment to be applied entirely to the principal. The bank 's chat support team confirmed this arrangement. 

However, three days later, when I made the second payment, the bank applied it to XXXX 's payment and allocated it towards interest, which was not what I had been led to expect. 

I have reached out to the bank multiple times over the past XXXX weeks, but they keep telling me they are too busy to provide an estimated time for resolving this issue. It feels like I'm being given the runaround and that they are just trying to make me give up on the issue to keep the extra principle.
Product: Credit card or prepaid card

Barclay charged me fees on a XXXX balance account after the account was closed and reported a balance from the fees to a credit reporting agency, XXXX.
Product: Mortgage

I am writing to formally complain about the numerous errors that have occurred in processing of my requested {$1000.00} payment that should have gone directly into my loans escrow account to offset a portion of my escrow shortage. 

On Thursday XX/XX/2020 I contacted Citizens One Customer Service and directed the customer service representative to process a {$1000.00} payment directly to my escrow account to paydown a negative escrow balance according to my recent escrow analysis. I was informed that this transaction had to be done by a customer representative and could not be done on-line by myself. I normally make all of my mortgage payment online. 

The Customer Service Rep put me on hold several times while she conferred with her Supervisor on how to process the transaction. I was assured no less than 4 times that my {$1000.00} payment would be applied to my escrow account. 

The next day a withdrawal of {$1500.00} was posted against my XXXX Checking Account causing an overdraft and a subsequent {$37.00} over-draft fee on my account. The payment was posted in error as a regular mortgage payment, which was not due until XX/XX/2020. The majority of the payment was applied to interest. I went to my bank that day, where I again contacted Citizens One Home Loans and spoke to Customer Service Rep XXXX, who apologized for the error, instructed me to send a fax verifying the charge on my bank account to fax number:XXXX, and that she would have the error corrected by reversing the unauthorized payment. The error was not corrected. 

I have made countless follow up calls ( no less than 6 ) and still have not resolves the issue. Citizens One Home Loans then instructed me that they would move money from my prior months ( XXXX ) payment to apply to my escrow, the use the {$1500.00} payment made in error to cover the prior months ( XXXX ) payment and use any overpayment towards principal?!!!? 

I should not have to negotiate where to direct moneys already paid in my account towards where the bank wants to place them. 

To resolve this matter : I am requesting that the {$1500.00} unauthorized withdrawal from my XXXX Checking Account be reversed and that the {$37.00} overdraft charge on my XXXX Checking account be reimbursed. 

I am requesting that my original transaction of the {$1000.00} payment directly into my loans escrow account be processes. Any over-payment resulting from these transactions should be posted into my escrow account, not principal or interest. I also request a re-evaluation of my escrow account for 2020 be conducted after XX/XX/2020. 

Cordially, XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased computer equipment on XX/XX/2021 from a merchant on XXXX. The item arrived on XX/XX/2021, with water-damaged parts. I contacted the merchant and I received a return label from the merchant within 30 days. 

I returned the damaged goods to the merchant with tracking and his signature confirmation that he had received however, the merchant decided to keep the money from the purchase and not refund me. 

I submitted a dispute with Apple Card Support with Goldman Sachs and they mismanaged my case twice with improper handling. I provided photo evidence of the damaged parts, the return tracking information with an adult signature signed by the merchant, and the text messages the merchant sent me confirming the parts were damaged due to improper packing. I submitted the evidence to multiple Apple Card Specialists and they confirmed with me that they submitted the evidence with my dispute. 

After waiting over 30 days for a response from the Apple Card Support Specialists with Goldman Sachs, I received an email stating the dispute was not found in my favor DUE TO NOT SUBMITTING ANY EVIDENCE. I have screenshots of the evidence I provided to the Apple Card Support Specialists in which they confirmed they received the evidence but did not bother to look over it in my case.

It has now been over 4 months trying to get Goldman Sachs to properly refund this transaction.
Product: Student loan

I called my loan provider great lakes on XX/XX/2022 to start the refund process for the XXXX student loan forgiveness. I called back mid XXXX to check the status of my loan being reinstated and the refund of my loan repayment and they told me to wait another XXXX to XXXX weeks. I call again in that time line and I'm told my refund process was canceled and was reinstated today. I am just wanting to get back the money I paid during the time period it's being promised to be paid back and I feel like something shady might be going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never or gave anyone consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1200.00} DEPTEDXXXX  XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

My identity was stolen and I ended up with an excessive amount of inquiries on my credit report, some duplicates where I never applied for credit from any of these companies, nor did these companies have my permission to run my credit.