23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loancare : XXXX XXXX XXXX XXXX  XXXX VA XXXX, Account # XXXX This is a follow up to the previous complaint XXXX. I received a letter from Loancare acknowledging receipt of the complaint. Loancare removed the 60 days delinquencies record from my credit report. Event though the {$190.00} is their responsibility when they acquired the servicing from XXXX I went ahead and paid it in full so to stop their continuous harassment with robocalls and threatening letters of foreclosure. Only to find out when I received the following statement that they again started me another escrow account and said i owe {$45.00} more!!! In addition they again reported to the credit bureaus that I was 30 days late. I called the person who wrote me the letter after he received my first complaint with CFPB Mr XXXX XXXX, Office of the Customer, XXXX ext : XXXX but of course like his colleagues he does not pick up the phone nor does he return the calls. Even though in his letter of XXXX XXXX he states that my credit report is now corrected and reflects current status.
Product: Credit reporting or other personal consumer reports

Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> sent a request to have XXXX accounts removed from my credit. This is the third time that I have requested within 2 months each time came back that the company certified it is accurate and will remain on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 ACCOUNT XXXX FROM XXXX SHOWING CHARGE OFF AMOUNT OF {$1500.00} WAS REMOVED FROM ALL THREE BUREAUS AND NOW AS OF XX/XX/2019 IT HAS REAPPEARED AGAIN ON BOTH XXXX  AND TRANS UNION, THESE NEEDS TO BE DELETED SINCE THIS AFFECTING MY CREDIT SCORE!
Product: Student loan

I re-submitted a PSLF application to MOHELA on XX/XX/XXXX after my prior submission was incorrectly processed, after which MOHELA responded over 60 days later, letting me know ( once again incorrectly ) that I was ineligible for loan discharge at that time due to processing only 1 of 3 submitted Employment Certification Forms. I tried without success to get through to them over the phone for the following month. I was finally able to speak to a supervisor on XX/XX/XXXX. The supervisor looked up my account and conceded that my forms had been processed incorrectly, that I was eligible for loan discharge, and said he would resubmit my application. I asked whether I would have to go through another 60-90 day waiting period and he said no, it would take at most 30 days but could take as little as 2 days. It has now been 2.5 months and my forms have still not been processed even though I have well over 120 qualifying payments and was eligible for loan discharge back in XX/XX/XXXX. This has been an ongoing saga for nearly a year with my forms being repeatedly incorrectly processed and MOHELA being impossible to reach.
Product: Credit card or prepaid card

I have been a XXXX XXXX CC holder since XXXX of XXXX. Spent a bunch of money and loved shopping there. I had my CC on auto-pay and never had an issue. Just paid some off every month. I assume when there is an issue with auto pay, they try and call, unless i get a new bank account or debit card, in which case i should call. I was checking my credit report in XXXX of XXXX and i saw a late payment from this card on there. I was SHOCKED. I have never missed a payment on anything at that point. So i called, paid my FULL balance as soon as i could and asked what happened. Turns out, in the month before, my account was sold to XXXX XXXX and because of that, my auto pay was turned off. I had NO idea about the transfer OR that my auto pay would be turned off. I told the lady on the phone this and she could not help me, she just told me to dispute it with Capital One. I did, i told them exactly what happened and they told me to go XXXX myself essentially. This stinks. I was looking to refinance my house and this mark, at the time, dropped my credit score XXXX points! This was not my fault. I have PLENTY of money and would NEVER miss a {$80.00} a month payment, if i had known I had to switch my card. They said they sent me a notice via USPS and I NEVER received it. This is unfair. Since then, while the account has stayed open, I am scared to use it because I do not trust this company 's practices when it comes to this situation, if it were to ever happen again. I also LOVED to shop at XXXX XXXX. Capital One
Product: Checking or savings account

I have been a loyal customer of Capital One 360 since XXXX ( back when it was called XXXX XXXXt ). I have told others about how they have higher than standard bank APY and its convenient use. I have multiple savings accounts for certain goals, a Capital One 360 debit card and a Capital One Venture card and have had those for over a decade as well. I offer this as a show of my loyalty to the brand. 
There was a promotion in XX/XX/XXXX on its " paycheck percentage transfer, '' which I took advantage of as I was trying to increase and automate more of my savings. However, given that I was watching the news about interest rates, I noticed that I was still making only cents a month, which didn't seem to add up. I had thought for some reason my accounts had been converted to all debit accounts with such a low rate, but noticed it was not that. I could only assume that Capital One was lying about its high interest rates and immediately began moving most of my savings to another bank in XX/XX/XXXX. I did not know this appears to have been a larger scheme by the company to punish longstanding customers by continuing to claim they had high-interest rates but not saying it was for a different type of savings account that had not previously existed. 
I feel take advantage of by a company I had been loyal to who was not advertising their higher performance savings accounts to current savings holder and withheld interest from me over the course of years. It appears that across my several different savings accounts, they all had differing interest rates within about XXXX % of one another, for reasons I'm unsure of ( except that occasionally one account has less funds in it ; am I then punished for that in my lower interest rate? ). I feel like because I have less money at any given time in my savings account, I was punished by Capital One and didn't notice because the general interest was so low to be mere cents. I don't have any letters or statements from Capital One explaining why it knocked my interest rate so low despite the national average. I thought I was in their performance savings account, as I had been for decades and no such other savings account existed. Capital One just hoped people wouldn't check their interest rates and people like me fell for it. These are deceptive practices and Capital One 360 should pay for it. 
Interest Rates from the Years in Capital One in three savings accounts : XX/XX/XXXX - .29 % / .30 % / .36 % XX/XX/XXXX - 0.0 % ( no money in account ) / .30 % / .26 % XX/XX/XXXX - .32 % / .29 % / .23 % XX/XX/XXXX - .24 % / 0 % ( no money in account ) / .29 % XX/XX/XXXX - 0 % ( no money in account ) / 0 % ( no money in account ) XXXX % XX/XX/XXXX XXXX % / 0 % / .34 % XX/XX/XXXX - .51 % / 0 % / .56 % XX/XX/XXXX - .58 % / 0 % / 0 % XX/XX/XXXX - 1.01 % / 0 % / 0 % XX/XX/XXXX - 1 % / 0 % / 0 % ( based on research, this appears on par with the national average of the time )
Product: Credit card or prepaid card

Bank : Synchrony Bank in conjunction with TJMaxx. 

I have been charged late fees and interest even though my payments were posted before the due date. In XXXX 2022 I was charged {$65.00} in total fees & {$22.00}. Each time I have had to contact the company to have the fees & interest charges dropped. The last incident ( XX/XX/2022 ) the company dropped the late fee but not the interest charge. Because this has been an ongoing issue, I have since canceled my account. My payments were always made before the due date, I shouldn't have been charged or had to take time to settle the inappropriate business practices.
Product: Credit card

Bank of America closed one of my credit cards without notice. Their explanation did not make sense, and was an error. They said I should n't have been approved in the first place. Now I am worried I have an inquiry and a short credit card stint showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay Bank pulled my XXXX personal credit report for barclay bank and i did not authorize a personal hard pull on my credit please remove
Product: Mortgage

I have not been contacted by my servicer since I submitted my short sale package 1024.41 Loss mitigation procedures. 

We are filing a complaint because the servicer received a loss mitigation application request on XX/XX/2019. They are currently in violation of 1024.41 ( b ) ( 2 ) ( i ) - Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer  acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. The notice to the borrower shall include a statement that the borrower should consider contacting servicers of any other mortgage loans secured by the same property to discuss available loss mitigation options. 

As of todays date the servicer has not stated in writing whether the application is complete, incomplete or stated whether and or what additional documents are needed to complete the application. 

I spoke to XXXX, they received the package last XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau the documents needed and a letter fro an advocacy group helping me due to human trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5-1002 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of The Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, Experian and XXXX. Please delete XXXX XXXX acct # XXXX bal. {$3400.00}. 

Thanks for your help
Product: Debt collection

I was contacted by Arcadia Recovery Bureau , LLC regarding a debt it states that I owe that I did not immediately recognize. An Arcadia phone representative said they would send me an itemized bill. The only thing I received in the mail was a general statement of the debt owed -- it was not itemized. I called and was told that what I was looking at was the itemized debt -- this made no sense. In a subsequent call, I disputed the debt and was told to call back in one week. I called back one week later and was told that was way too soon and to call back in several weeks. 

On XX/XX/year>, I called again and was told that there was no dispute filed. The representative was very rude, kept speaking over me, misrepresented what I said regarding the debt, and the hung up on me. I called back and spoke with a supervisor, XXXX, who said that, contrary to what the previous representative had told me, no itemized bill had ever been sent. He said he would follow up. 

I suspect Arcadia may have violated at least two consumer protection laws or regulations : ( 1 ) failing to send an itemized bill and ( 2 ) failing to permit me to dispute the debt.
Product: Vehicle loan or lease

I called to in to Regional Acceptance Corp after I logged on to the app to see if I could do it myself. I am trying to refinance my auto and they want a copy of the title, front and back. The representative went through all my info, verifying everything and finally told me that they would not be able to provide me with that as I am over 30 days behind and simply wanted me to make a payment. I explained I was refinancing and didn't plan to make that payment. He told me he could send the request up and management would deny until I made a payment. I asked to be transferred to that XXXX as I wanted him to confirm that Regional Acceptance is refusing to send me a copy of my title until I made a payment as I thought that was illegal. He transferred me to another department who confirmed I am 10 days past due, not XXXX and that he couldn't get me that document copy but he could transfer me back to customer service ( he was collections ) and they could send me the document I was requesting. Call initiated at XXXX XXXX. I'm still on hold, however, they have employees who lie about providing documents and use unscrupulous collection methods. 

Now the new customer service rep is saying they will not provide me with a copy of the title, but with the title application that is 3-4 years old and not what I need. I've even told them I'm filing a complaint with the CFPB because of this, they say they don't have it. How can they release it when I pay it off if they do not have it??
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint regarding a company that has refused to remove late payments that were a result of job loss and COVID-19 related issues from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ).

Due to the pandemic, I experienced a significant loss of income, which led to difficulties in keeping up with my account payments. Unfortunately, late payments were incurred as a result of these unforeseeable circumstances. Despite this hardship, the company has not acted in good faith and has refused to remove the negative reporting reflecting this hardship.

I believe that the company in question is in violation of the FCRA. The act specifically states that credit reporting agencies must report accurate and complete information. The reporting of these old negative instances, even after the consumer has made efforts to settle outstanding balance and work out a payment plan, fails to provide an accurate and complete representation of my credit standing and worthiness to prospective creditors.

I respectfully request that the CFPB review this situation and that necessary action be taken for the company to comply with the Fair Credit Reporting Act. In addition, I am requesting that all negative instances reflecting hardship be removed as a reflection of the extraordinary circumstances presented.

Thank you for your attention on this matter and for your support in restoring my creditworthiness. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Well I received a text from NetSpend saying that a deposit of XXXX dollars was uploaded to my card ending in XXXX well I contacted customer service and was told that it was a fraud also was told that I didn't own a card like that well when I asked when this card was closed I was told a lot of garbage this I this isn't the first time I have had problems with NetSpend customer service about money being uploaded to my cards I have many cards the name of the company that uploaded to was XXXX XXXX XXXX  my money is being constantly spent with a lot of garbage being told that it was a spam so I do have evidence keep
Product: Debt collection

A collections account appeared in my credit file for all three credit bureaus from Midwest Recovery Systems. XX/XX/2020. 
I had never received any communication regarding the alleged debt and I am unfamiliar with the balance and original creditor that is listed inconsistently with the three credit bureaus. Midwest Recovery Systems also listed inconsistent contact information for their agency. A debt validation letter was sent certified with receipt required to the collection agency less than 30 days from its appearance in my credit file and now more then 60 days later I have not received any communication from Midwest Recovery Systems to validate the alleged debt. During the 30 day alloted validation period Midwest Recovery Systems continue to report negative information. I suspect the account to be fraudulent.
Product: Checking or savings account

On XX/XX/24 my former employer enrolled me to company benefits like XXXX, XXXX and XXXX XXXX Accounts. However, I left my then employer on XX/XX/24. Right after a week I got the XXXX XXXX from XXXX XXXX XXXX. I immediately signed up for XXXX XXXX for XXXX XXXX, XXXX XXXX and Optum Flexible  Spending Account. I also sent my first XXXX  payment on the XXXX week of XXXX, The Optum Flexible Spending Acct. monthly payments alone are {$55.00} per month. 

I called XXXX XXXX XXXX 's customer service and XXXX dept. then also with Optum Flexible Spending dept. advocates, customer service, XXXX and help desk. It took me 2.5 hours talking to 7 different depts. and agents. Here are the phone nos. XXXX, XXXX, XXXX, XXXX and XXXX. 

No one can find the account except for the XX/XX/24 enrollment which is of course inactive when I left the company on XX/XX/24. At some point they thought my new current employer is the contributions I was looking. 

At this point, my only option talking to OPTUM and XXXX XXXX is do the round around again calling different telephone numbers. My monthly payment is by check for the XXXX as I get a bill so where is my money and contributions????
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX called my place of employment multiple times for XXXX XXXX for several different retail accounts - XXXX XXXX and XXXX XXXX XXXX. I informed them that this account had been discharged in a bankruptcy in XXXX and should have never been assigned to them for collection. XXXX XXXX XXXX is now reporting a NEW collection account opened on XX/XX/XXXX for {$1200.00}. This account was not collectible effective XX/XX/XXXX after the account was discharged in bankruptcy.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Have noticed some fraud accounts and unauthorized inquiries appearing on my credit report. 

Accounts 1. XXXX XXXX XXXX  {$130.00} 2. XXXX XXXX XXXX {$84000.00} 3. XXXX XXXX XXXX {$27000.00} Inquiries 1. XXXX XXXX
Product: Credit card or prepaid card

I am writing to file a formal complaint against PayPal Credit c/o XXXX  XXXX  regarding a violation of the Truth in Lending Act ( TILA ), specifically Regulation Z 1026.8 ( a ) ( 1 ) ( i ). I have an open-end credit account with PayPal Credit and have received billing statements that do not meet the requirements of Regulation Z. 

Account Information : Name on Account : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Billing Cycle Dates : XX/XX/XXXX, XXXX Issue Description : The billing statements I have received from PayPal Credit c/o XXXX  XXXX  lack meaningful identification of sellers or services involved in multiple transactions. Instead, these transactions are ambiguously listed as " X '' without any clear indication of the merchants or services associated with them. As a result, it is difficult for me to verify and reconcile the transactions, making it challenging to understand the charges and assess the accuracy of the billing statements. 

Attempts to Resolve : I have already contacted PayPal Credit 's customer service to address this issue. However, their response did not provide a satisfactory resolution to the problem. I expressed my concern and requested clarification regarding the transactions listed as " X, '' but the representatives were unable to offer a clear explanation or meaningful identification for these transactions. I have had multiple interactions with their support team, which all seem to be located overseas, and they do not speak or understand Standard American English well enough to understand that this is not an allegation of fraud. 

It appears that PayPal ( distinct from PayPal Credit ) has reversed the charges in question, and now the merchant is puzzled and contacted me.