23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a Fleet Farm Credit Card which is held by XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX to pay off my credit card in full. I submitted my payment with the lady on the phone and she gave me my confirmation number of XXXX. My account had the amount of {$330.00} withdrawn from it on XX/XX/XXXX. I received a letter stating that my account was past due on XX/XX/XXXX. I then contacted XXXX XXXX to ask if it was a mistake or if their system sent it out to early and XXXX informed me that our account was still delinquent and showed a balance of {$330.00}. I then gave her a our confirmation number and was put on hold for 26 minutes to only get the response that they do not know where the money went if it was truly paid and that it could take up to 10 business days to reflect on our account and to call back then. I waited longer and contacted them back on XX/XX/XXXX. I spoke with a rep and directly asked to speak with a manager and she proceeded to want the details to relay to him so I gave them to hear to have her respond with " Sorry Sir, I understand your frustration, but I ca n't help you with this '', in which I responded " Thank you for wasting more of my time, so please get someone who can handle this situation ''. I then was put on hold for 25 more minutes to get greeted by XXXX ( who would not give up his last name ). I then had to repeat everything to him and ask him why my card still showed a balance on it. He then stated that they have no proof that I paid the card off, so I gave him the confirmation number AGAIN, to which he stated that he saw that in the system, but no payment was reflected to it. I then asked him what is a confirmation number for. He laughed and stated " Proof of Payment '', to which I responded " So you have proof that we paid it '', to which he laughed again and stated that it is not in their system or if it was " Truly Paid '' they do n't know where it was applied. He then told me that I needed to send proof of payment via a bank statement. I told him that I had it pulled up and could email it to them. He then stated that they have NO EMAIL! Who has no email? I then cooperated with his request and told him that I would print it and send it to them. I sent them the statement on XX/XX/XXXX and contacted them today, and was told that they never received the statement! I then asked the female rep to speak with a Supervisor and she said I need to put you on a brief hold. I was put on hold for 49.32 minutes to then have them disconnect the phone from me. I am beyond amazed of the rudeness, un-tactfullness, disrespect-fullness and no care for customer service that this corporation has HIGHLIGHTED in this simple problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX XXXX : {$4600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I incurred a medical debt on XX/XX/XXXX with XXXX XXXX XXXX XXXXXXXX XXXX The debt was sold off to Financial Recoveries and I received a collection letter dated XX/XX/XXXX in the amount of {$330.00}. 

I responded within 30 days by sending a certified and regular dispute letter to Financial Recoveries on XX/XX/XXXX. ( Please see certified return receipt and the attached letter to Financial Recoveries. ) Financial Recoveries still reported the debt to the credit reporting agencies, and after speaking with them today, XX/XX/XXXX, they are unwilling to remove the collection account from my credit report. I informed them that I would be filing a formal complaint and/or hiring a lawyer to resolve this issue.
Product: Credit card or prepaid card

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Product: Student loan

I am having issues with navient on my federal student loan. They charged me a late fee after I asked what amount I needed to pay to get current. They only told me XXXX. I paid {$700.00}. The following day they charged me a {$65.00} late fee. They are reporting to all three bureaus the wrong information. Please see the following on all my credit reports : DEPT OF ED/NAVIENT Reported : XX/XX/2020  {$8300.00} Now I show according to all my payments that I owe {$7000.00} and have not been late in the last couple of months. They are still showing 9 payments late. Please see my following attached account Account Summary As of XX/XX/2020 ( ET ) Total Payment Due : {$7000.00} Current Amount Due : {$65.00} Past Due Amount : {$7000.00} Recent Payments Date Amount Status Show more information XX/XX/2020 {$110.00} Received Payment was received Show more information XX/XX/2020 {$750.00} Received Payment was received Show more information XX/XX/2020 {$250.00} Received Payment was received Show more information XX/XX/2020 {$100.00} Received Payment was received Show more information XX/XX/2020 {$250.00} Received Payment was received View all Account History
Product: Credit card or prepaid card

I woke this morning to alerts from all three credit agencies that a hard inquiry card application had been placed by Capital One on my account - after calling and confirming with Capital One that it was indeed fraud, they said they would log this after XXXX days. So my credit would be affected by fraud for 90 days, which is unacceptable.
Product: Debt collection

XXXX  XXXX  XXXX continues to sell off a debt that was a result of identity theft and fraud. Credit Control LLC sent me a debt request for a debt that I do not owe. Please remove the debt from my name. Cease and desist collection on this debt.
Product: Debt collection

I recently pulled my XXXX credit report ( XXXX/XXXX/16 ) and noticed a collection account by : PARAMOUNT RECOVERY SYSTEMS, Date opened : XXXX/XXXX/16, Last updated : XXXX/XXXX/16. 

I do not know Paramount, nor have I been contacted by Paramount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account ( Pheaa XXXX ) multiple times & Equifax has violation my rights. As seen in the pictures this account was reporting Derogatory/Chargeoff. After disputing inaccurate information not only have they changed the status to open but they are also reporting that its current. Even the payment history has been updated which is inaccurate as well! No documentation has been sent to me from Equifax or XXXX proving that this account is mine. This is illegal!
Product: Student loan

I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called XXXX ( XXXX ). This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( Transunion, Equifax, Experian ). I am not sure how the credit bureaus verify this when XXXX is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both XXXX and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/2008 while showing a document of XXXX sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE XXXX EDUCATION, SECTION XXXX - Discharge for false certification of student eligibility or unauthorized payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Related OPEN Cases : CFPB # XXXX TO WHOM IT MAY CONCERN, I believe these documents should be shared with the companies that are involved in my Identity theft which are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe XXXX and whomever else CFPB Seems appropriate. 

I 've attached a document that will explain my complaint. This is an additional complaint in reference to my 13 years of continual identity theft that CFPB has greatly assisted me with. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***THE 2 DOCUMENTS THAT WILL EXPLAIN MY COMPLAINT ARE CFPB LETTER TO XXXX XXXX AND LETTER TO XXXX XXXX XXXX XXXX THE REST ARE SUPPORTING DOCUMENTS. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Note : Please mail all hard copies to my address b/c my online access has NOT been accessible since the first complaint. For some reason i can not get access to it and have gave up on attempting to resolve this issue. 

NOTE : POLICE REPORT IS INACCURATE B/C MY ADDRESS IS NOT XXXX XXXX XXXX XXXX, XXXX, IA XXXX. THAT ADDRESS IS THE SUSPECT ON MY POLICE REPORT, XXXX XXXX. 

THE SUSPECT, XXXX XXXX WAS UNEMPLOYED FROM XXXX. XXXX XXXX DID NOT RETURN TO WORK UNTIL XXXX WHICH MY MOTHER GOT HIM A JOB WITH HER WHICH THEIR TAKE HOME AFTER TAXES IS A LITTLE BIT OVER XXXX, AND HIS DIVORCE WAS NOT FINALIZED WITH HIS EXWIFE ( a victim of abuse by suspect XXXX XXXX ) UNTIL XXXX, WHICH HE HAD XXXX KIDS STILL IN SCHOOL AND HAS BEEN WORKING A REGULAR LABOR JOB AT " BASE PAY, AND THE XXXX, XXXX XXXX IS ALSO ABUSING MY MOTHER BOTH PHYSICALLY AND MENTALLY, which was discovered in XXXX, and is when XXXX XXXX from the XXXX XXXX XXXX XXXX requested the letter I attached below Thanks Respectfully and Sincerely, XXXX XXXX
Product: Debt collection

We obtained a mortgage through Bank of America in XX/XX/XXXX. In XX/XX/XXXX, I lost my job, and started commuting to XXXX weekly. In XX/XX/XXXX, we moved to XXXX, TN, and put the XXXX   house up for rent. A year later, due to the housing bust, we could no longer afford to rent the house, since any rental income we could receive was 1/2 what was needed to pay the monthly housenote. We continued to struggle with paying the note for another year.

On many occasions, from XX/XX/XXXX to XX/XX/XXXX we contacted Bank of America 's Home Retention department, alerting them that we could no longer afford the house, and that we were being proactive in pleading with them to help us, and avoid any credit problems. They said that, due to the type of mortgage we had, and since the house was not our primary residence, there was nothing that they were willing to do. Despite this, they continued to have a collections officer call us almost every day, and sometimes multiple times in a day. Although I tried to make him understand our situation, he was rude and condescending, implying that we were lawless thieves. In one conversation, he told me he would " call me every hour if that is what it takes. '' In XX/XX/XXXX, I had received notice that we had a potential renter who was willing to pay {$500.00} less than our house note for rent. At the time, we were {$6200.00} overdue. I used my bonus check for the year, and sent the amount in a Money Order. The next day, the renter pulled out, and I called the Bank of America Foreclosure department, asking them to return the Money Order, since I had no way to continue payment after reinstatement. They said that it had not arrived yet, but when it did it would be returned ( XXXX, XX/XX/XXXX XXXX ). It was never returned.

The next week we consulted a lawyer in XXXX, and were told that, if we let the bank foreclose, the affect on our credit would last up to 7 years. Although foreclosure had begun in XX/XX/XXXX, Bank of America, through deceptive and, in my opinion, unethical means, did not record the foreclosure until XX/XX/XXXX. The house was auctioned off in XXXX on XX/XX/XXXX at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaints to all three credit bureaus, the CFPB, the BBB of Michigan and the original creditor in regards to an ongoing dispute. Please see complaint below : I originally purchased a vehicle for a XXXX lease on XXXX. Once the XXXX lease was up, I had the option to either turn the vehicle in and they will bill me the disposition fee or take it out of my original down payment of {$900.00}, or if I still needed the vehicle, I would have to put down another down payment for an additional 12 months. I opted to return the vehicle, which I was informed by the account rep that I had until XXXX to return the car without any additional fees being added. The account rep also informed me that if there was any damage or additional fees ( disposition fee ) that it would be taken out of my initial down payment or I would be billed for whatever amount remained. 
When I returned the vehicle on or about XXXX ( I had purchased another vehicle several days prior ) I was also informed at the dealership upon returning, that if there were any additional fees that were not covered by my initial down payment that I would be billed. 
1 year later, I checked my credit report and the finance company, XXXX XXXX XXXX has recorded a charge off amount of $ XXXX a monthly payment of {$78.00} on my on all three credit files XXXX XXXX XXXX XXXX XXXX Transunion XXXX. 
My agreement was for 12 months with the option to lease again at the end of my 12 months and a monthly payment of {$150.00}. As of XXXX/XXXX/XXXX, this company was paid a total of {$7000.00} from XXXX to XXXX. This vehicle was returned on time with no additional monies owed. In addition, per the lease agreement ( see attached ), the total payments paid at the end of the lease was to be {$4800.00}. Therefore, this lease agreement has been paid in full per the documentation provided. 
Furthermore, I contacted the company in XXXX XXXX to ask for my credit report to be adjusted from the amount owed/charged off amount of {$6300.00} to be corrected. The account manager then informed me that the amount that is seen is what was financed and not owed. At this point the finance company is refusing to correct their issue. I am requesting VALIDATION of this account. This means that the creditor is to send me a complete payment history to show that a payment is actually owed. 
I have sent complaints to all three credit bureaus, the Consumer Financial Protection Bureau, and the creditor with on success. Please look into this matter and verify the account as being falsely reported. 

In addition, I have only received handwritten/typed account information stating what is owed. This is not proper VALIDATION, as this information can be from any one of their current or previous customer 's information. XXXX XXXX as also sent back dated emails with previous amount owed. See all attached documents. 
Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am a victim of identity theft. I have seen many inconsistencies and inaccurate on my credit report. Please have these items deleted permanently
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this hard inquiry on my credit. 
Need this take off please
Product: Credit reporting or other personal consumer reports

I also respectfully request to be provided proof of this alleged item, specifically that these payments were in fact late. By the provisions of the consumer laws. I demand that if unable to do so or lacking proof of these payments being late, please update my payment history of PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to any creditor who have requested a copy of my report in the last six months.
Product: Credit card

I opened a CapitalOne Venture X credit card a few weeks ago, and barely got to use it before one transaction triggered a fraud alert and blocked my account from further purchases. 

I called CapitalOne 3 times in the last week and every time, I told them all of the declined transactions were not fraudulent, and that they can unblock my account. Every time, the customer service agent was unable to unblock my account due to an unknown error, with no resolution nor estimate on when this issue would be fixed. They only advised me to call back 2-4 hours later ( despite me calling a few times that week, and nothing getting fixed ). 

Now that my card is incorrectly blocked, I am unable to make purchases on the card, unable to reach my spending limit toward the sign-on bonus ( since I have large purchases to make right now ), and I'm unable to use the advertised card benefits despite paying for the card 's annual fee. 

They have made no effort to follow-up with a resolution, and continue to stall by saying they've " submitted feedback internally '' with no guarantee that it will be read or acted on.
Product: Mortgage

Dealing with loanDepot 's local mortgage originator was a joy ( XXXX XXXX XXXX XXXX, XXXX ).  The person with whom we worked with took the time and effort to explain the process to us from start to finish. To lock-in a rate, we 've provided him with our personal and business tax returns, and a list of our assets and liabilities. Unfortunately, this is where our good experience came to a halt. After telling our loan officer that we 've decided to pursue a 15-yr loan instead of a 30-yr, he flat-out stopped responding. Did n't answer his phone or voicemails, did n't return our e-mail. This is a person whom we 've entrusted with our new home. To make matters worse, loandepot saw it fit to print out our ENTIRE credit history, financial assets, complete with our FULL social-security numbers, dates of birth, bank account numbers, etc. Basically, EVERYTHING you 'd need to steal identity and credit. They simply mailed these to us, by good-old US Postal Service, without tracking or signature requirements. And since the packages had so much paperwork, they did not fit through our mail slot, and were thus left UNATTENDED in front of our house, for anyone to take. At a day when identity theft is rampant, and major companies like XXXX have compromised our personal data, loanDepot 's complete lack of good judgement and care in safeguarding our most valuable information left us completely flabbergasted. I choose not to upload photos of any of these documents given how much valuable personal information they contain, but if CFPB requires them, I 'd be happy to submit them later upon request.
Product: Mortgage

I have my mortgage with first republic bank. 
But the bank is charging far more interest silently in the statement than the mortgage agreement! 
The mortgage started XXXX this year. The interest rate on the agreement was 2.25 %. But in the statement they are charging {$250.00} more every month! They admit that they are doing this wrong ( see their apology letter from their director attached ). But they are not able to fix it ( it has been nearly 4 months ), and more than one of the statement were wrong. They are still applying fixes to the XXXX payment, which means the XXXX auto payment is still incorrect. 
My questions are 1. Amount Why is the amount shown wrong in These months? 
Why did the bank claim it is only a frontend issue? 
But it actually impacted several payments. Why statement shows rate changes? Did the bank try to change rate silently to profit? 
2. Statement The bank must Correct statements for XXXX and XXXX and XXXX and XX/XX/XXXX. Misc Am i only one affected? If so, why? If not, it must be sth serious. 
4. tax Is the bank sending false info to IRS by correcting the payment in the wrong way ( special payment )? ( This is what the bank fixed in XXXX ) 5. Amortization What will it be like if no one notice it? Most people just sell or refinance after several years, does XXXX do this intentionally make profit silently? 
6. The real reason why it happen Vague reason not acceptable. Must indicate what is responsible
Product: Student loan

I made my XXXX student loan payment and submitted my XXXX application on XX/XX/year>, checking the box requesting administrative forbearance. I submitted this both to Mohela as well as XXXX XXXX XXXX ( as they took over XXXX in XXXX ). XXXX has noted that I made XXXX payments, am in administrative forbearance, and am due for forgiveness this month. Mohela is still trying to bill me. They do not have me in forbearance-despite my request on the form and the fact XXXX has me in forbearance. They claimed I missed a payment in XXXX, but they never billed me, I was on autopay anyway, and they should not be attempting to collect payment while I am in forbearance. They have also attempted to bill me for XXXX. As the wait time when you call is 3-4 hours, I deleted my bank account information and am waiting for XXXX to hopefully process my application this month. I need Mohela to update their records to note I'm in forbearance and remove the claim that I have past due or currently due payments.