23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I submitted a complaint last XXXX XXXX XXXX Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Mortgage

Due to loss of job from Covid-19 I spoke with a representative at Discover Home Loan and he said I could sign up for a forebearance plan due to Covid-19. He said he put me in for the forebearance plan and to expect a form in the mail to sign. I spoke with the Representative over a month ago and I still have not received a letter nor have they placed me on forebearance and I keep getting late fees each month and am being reported to the credit agencies as delinquent. I am trying to get caught up, but due to not being placed on forebearance I have racked up late charges since XXXX 's scheduled payment.I wish to be placed on forebearance and the late fees for XXXX, XXXX, and XXXX to be refunded. ( although XXXX has not been charged yet, within another week there will be a charge added to my account ).
Product: Credit card or prepaid card

On XXXX, I called Bank of America XXXX XXXX XXXX due to notice of fraudulent activity multiple charges on my account inXX/XX/XXXX. While speaking with the representative, she informed me that there were multiple other charges from XXXX fromXX/XX/XXXXXX/XX/XXXX that totaled to about {$1300.00}. 

On XXXX, I filed a case of fraud of all the multiple charges on my account from XXXX by bank of america representative. 

On XXXX Bank of America denied my claim and report of fraud, presenting no evidence or information on how or why the decision was made. A letter was mailed to my home address stating the report was resolved. 

On XXXXCalled in complaint again for it to be reopened, it was reopened by Bank of America on XXXX. The decision to deny my claim again was made by Bank of America on XXXX. 

On XXXX, I spoke with Representative XXXX ( XXXX ) XXXX and requested follow up information on my complaint. I was told that the complaint was declined again. I requested to speak with a supervisor. I spoke with Supervisor, XXXX XXXX ( who refused to give me her ID number ) she also refused to provide me with details on my case such as what evidence was used to make a determination, who handled the case. 

I was also informed that there was no evidence or information on file for the decision made on the first and second dispute. When asked who makes decisions on these claims and whether I can speak with a manager, XXXX XXXX reports the research team makes these decisions but does not meet or speak with cardholders. I requested the name of the head of the research team and was told by XXXX XXXX that she can not provide this information. 

Additionally, XXXX XXXX XXXX refused to give her ID number, claiming she is the only XXXX in her department on XXXX at XXXX XXXX I am a XXXX single mother, low-income who is a victim of fraud. I have been denied my rights and a proper case and am a victim of identity theft. Bank of America has failed to protect me because of the type of account being child support. They have not taken me serious or handled my complaint with integrity or honesty. I am appalled that someone has stole over XXXX dollars from me during a pandemic, this is child support money that I use to support and take care of my daughter. 

I am demanding Bank of America to immediately refund every fraud charge and to do a proper and full investigation of this case including : Collaborating with apple.com on this complaint and getting specific details on who used my card, their locations and items they purchased. I want my child money refunded immediately. This is degradable and illegal.
Product: Student loan

My student loans are in default and require rehab. I contacted my creditor, Coast Professional, in hopes to make arrangement to start the rehab process. Over the phone I was originally quoted a payment amount of {$80.00}. This conversation included everything about my financial situation. After submitting my paperwork the payment amount I was later quoted was {$250.00} which was waaaaay out of my ability to pay. I offered to make the max payment amount I could of {$100.00} and they would not accept it under the rehab program. Told me that I could make the payment but it would not change how they reported to the credit bureau and I would still be at risk for treasury offset. I explained to them that I live in XXXX XXXX and the cost of living is VERY high, plus I am a single mother of XXXX with no additional financial help and have some children in daycare. They patiently listened but offered not additional options. I am fully aware that I have created this situation for myself but I want to make it right and I want to be given the opportunity to do so. I do n't know where else to turn. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

AUDIT & ADJUSTMENT INC. services is reporting inaccurate information to the credit bureaus regarding my credit report without giving me any validation or sufficient information regarding the alleged debt.
Product: Money transfer, virtual currency, or money service

My sister sent me {$550.00} so that I could make an emergency trip to XXXX. This is a time sensitive issue and I needed the money to make my travel plans. She sent the money to me via Venmo. When I tried to transfer the money to my bank account via instant deposit on a debit card, I was denied. I tried a different debit card, and was also denied. I spoke to their customer service and I was told that the transfer was held on their end, but given no further information. I was also told there was no way for their customer service team to override the system. Again, I completed a transfer the night before, and while I am not a regular user of their service - given their appalling and completely XXXX XXXX XXXX XXXX XXXX XXXX  attitude when it comes to customer service- I have sent and received money from my sister before with no problems. To reiterate, this is an emergency situation. I lost my wallet sometime in the past week and am reliant on these digital transactions until my new cards arrive. Venmo is holding onto my money arbitrarily and not giving me any justification as to why. Every minute I waste trying to resolve this situation is a minute I could be spent getting to XXXX, and I don't have the time to waste.
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App due to inadequate customer service and unfair practices, which violate the consumer financial protection act specifically Cash App fail to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic Fund transfer act and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

The company sent me a letter stating that even after I submitted the Identity theft report they are still reporting it as mine.
Product: Credit card

I noticed that the credit card with Synchrony Banck ( Cheap on Air ) account XXXX XXXX  ending with XXXX charges me high interest every month. The creditor closed my account because I disputed a charge I did not authorize, so I can no longer use this credit card. I am still making payments on it, but they charge me high interest and other charges. 

I was told that if my account were closed, there would be no more activity, but I would still need to make payments. However, they are still interested in an account with no activity and only want to pay it off. Whenever I want to talk with someone in customer service, the wait time is too longmore than 45 minutesand it is tough to contact someone. 

My concern is that if they still charge me high interest, I will not be able to pay it soon enough. Last month, they charged me XXXX dollars more than I owed on my credit card, which they closed. 

Please help me with this issue. I do not know how to stop the high charges on it. 

Thank you
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 card or prepaid card

The credit card company did not report my information correctly to the credit bureaus. Disputed the information and they requested Drivers License, Social Security Card, Utility Bill, Identity Theft documents. These were faxed in. 

Just received a letter indicating that they closed my account because they did not receive the information. Called them today and they indicated they did receive all the information however they couldn't read the drivers license so they closed my account. They didn't call or attempt to get any updated information. 

CALL LOG with XXXX XXXX : XX/XX/2018 @ XXXX - XXXX in customer service. Let him know I got a letter in the mail that looks suspicious asking for Drivers License, Utility Bill, Social Security Card. He beleives that this is in relation to the Identify Theft that occured and they need a copy of the report to verify my identity. He is double checking to be sure this is what it is regarding. 

We need all this information again because your account is being held due to XXXX account dispute. He indicates to fax the items to ( XXXX ) XXXX. 

He indicates that to remove derogatory remarks the request has to be done via fax to them or by the credit agency. Let him know I fulfilled the request by their organization when they asked and they still have not removed it. " I'll see what I can do ''. 

XX/XX/2018 @ XXXX - XXXX indicates she will give me the information to remove. Either by mail or with the credit reporting agency. She indicates to write in requesting XXXX and address to XXXX XXXX or XXXX XXXX. First Last Name, last 8 of card number. There was a remark on my credit in X month and X year. I would like to have this adjusted to improve my credit score. Indicate that I am trying to get an auto loan. 

XX/XX/2018 @ XXXX - XXXX in customer service indicates she sees all the information but the drivers license was not legible so they closed the account out and it's currently on hold. She indicates that they can not in her department can not remove this and the account is closed. {$300.00} deposit will be returned within 10 weeks. 

She has sent an escalation to upper management requesting to re-open the account. Requested to send in the drivers license and the copy of the Identity Theft report and they will try to re-open the account.
Product: Mortgage

Freedom Mortgage is a complete and total crapshoot. I feel as though they are refusing to even assess the documents FROM THE GOVERNMENT that I have provided that show PROOF of the appraised value of my home. They are trying to tell me that my loan to value ratio is only 96 % ( which doesn't even make any sense, since I put 5 % down, so technically with that math it is 91 % ). I received a letter from the tax assessor stating my appraised home value is {$240000.00}, which I submitted to Freedom Mortgage and asked them to kindly remove the PMI since I clearly had more than than enough equity in my home ( 78 % XXXX to be exact ). 

I have spoken to multiple people at multiple timepoints, including supervisors at Freedom to try to resolve this issue, and every time I get conflicting results. Last year when I called them, they told me the only way I could remove the PMI was to refinance. So, I went through the whole process of refinancing and once we finalized everything and I went to sign the loan document, they completely changed the terms of the loan and made it an FHA loan ( WITH PMI!! ) and the person in charge of packaging the loan stopped responding to all of my calls/texts/emails. Every time I called them, they could not get him on the phone and told me that since I was working with him on the loan, no other loan officer could touch it or answer any of my questions. I then was referred to his supervisor, who also completely blew me off, and eventually instead of discussing with me what the XXXX happened with all of it, they just withdrew my loan! Which not only XXXX me off because I never requested it, but also they had already ran my credit and it affected my credit score so I couldn't refi with another lender. 

They other option they told me I could do was to prove I had made substantial upgrades to the property. I told them what changes I had made ( upgrades to all electrical outlets, complete upgrade of downstairs bathroom and upstairs bathrooms, etc. ) and the woman on the phone said that " would not be enough to justify a reappraisal. '' Then, today when I called, the man on the phone said that WOULD be enough and that he would send me a letter in the mail to fill out every change/upgrade I have made to the home since purchasing it. 

Not to mention, every time I call Freedom, I am on hold for at least 10-30 minutes before I can even get to a live person because their menu is so absurd. I have wasted too much of my life on this so far and I am over it.
Product: Checking or savings account

I filed a disputes as over {$1000.00} was stolen from my chime account, I filed a dispute with them and they denied the claim within XXXX hours, I had to re opened the disputes and wait another month for my money and they promised temporary credit will be credited, however they denied the claims right before the credited date, chime has not shown proof that they investigated this matter and did not protect my money, I told them it was very urgent as this money was needed for bills.
Product: Debt collection

National Credit Systems continues to report that I have an outstanding balance with XXXX XXXX XXXX on my credit report for {$1500.00}. I have explained to this collection agency that I have not lived at that community for well over 6 years, and when I did, I left on good terms. I was on a month-to-month lease, gave a 60-day notice, and left the apartment in immaculate condition. They even refunded my security deposit. So there is no way this debt exists. The apartment community no longer exists either. It was torn down and replaced with another community years ago. On repeated occasions, I have written to the collection agency, and asked them for a detailed representation of the {$1500.00} in charges they claim I owe. However, my countless attempts to acquire this information have been ignored.
Product: Student loan

I have been making payments on my FFELP consolidation loans since XXXX and I expect I was making payments on the original loans before they were consolidated, although it's so long ago I don't remember and don't even know how I'd get that information. I'm not sure if you can help me or not, but I'm hoping you can steer me in the right direction. 

My original disbursement for the consolidation loans was {$15000.00} on XX/XX/XXXX. The total I've paid to date is {$29000.00} and my balance as of XX/XX/XXXX is still {$5500.00}. I fail to see how I've paid nearly double the original loan amount over 22+ years and I still have a balance. 

How is this possible? I understand that the interest gets capitalized and adds up. But I would like someone to look into this and see if my payments for the past 22 years have been applied appropriately or not. 

I know Navient has been in trouble with the government recently and I expect I was just another young, XXXX college kid that signed up for student loans without any knowledge of what I was really getting myself into. 

These loans were for classes I took in community college when I was XXXX years old. Tuition at XXXX XXXX XXXX XXXX in those days was {$42.00} per credit hour, but they automatically disbursed the maximum loan I was qualified for and the school refunded me the overpayment, and I was completely clueless about finances and assumed that was normal and that I was supposed to use it for books and living expenses. I did not expect that I'd still be paying for those classes in my XXXX when I've already raised kids and put XXXX of them through college. 

Thank you for any assistance you are able to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act convergent XXXX XXXX account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions
Product: Credit card

I signed up in XXXX for an American Express Delta card to get plane tickets and a {$350.00} promotional credit after I met the terms. I met the terms by XX/XX/XXXX. I did not get credited my 40,000 miles either. 
The credit was to be put on my card within12 weeks ' time. It was not. So I called and waited and called a 2nd time it was escalated. I have also had 3 chat sessions with reps about this and they keep saying they will credit my account because I meet the terms in XXXX But then I don't get my credit for miles or funds. 

XX/XX/ I just chatted again with a rep and she said she will escalate it. This has been done before with no success. I feel I have been taken advantage of and am not being heard. My latest chat ID was XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

INACCURATE AMOUNT OF DEBT. VERIFICATION WAS SENT FOR MY WIFE AND I. AND WAS REMOVED FROM HER CREDIT HOWEVER, THEY ARE STILL TRYING TO COLLECT THE INCORRECT AMOUNT DEBT FOR THIS HOME AFTER WE PARTED WAYS DUE TO CONTINUOUS LIES AND BOGUS PAPERWORK.
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted complaint number XXXX with CFPB against XXXX XXXX XXXX, the bank respond came as a shock to me since its so contradicted. I stated in my complaint that Im a victim of identity theft and that there is an unauthorized charges on my account. XXXX XXXX XXXX respond with a letter ( enclosed ) that,  quote '' Since you received the order and signed for it, the charge was rebilled to your account on XX/XX/XXXX. ", they only provided me with a proof of delivery not a proof of signature! I did contact USPS.COM and requested a proof of signature ( enclosed ) to be emailed to me and here it is!! The signature on the delivery record is NOT my signature!! I do n't know who signature is this. Therefore, Im stating again that I did n't do any online order, and I did n't receive any order or sign any delivery form and I request Capital One to provide a USPS proof of delivery with MY signature on it, ( I can provide my driving license copy which have my signature on it if requested ). Someone can see clearly in the letter sent to me from USPS that there is a contradiction in the statement!! The letter states that, quote from enclosed letter " delivered on XX/XX/XXXX at XXXX XXXX in XXXX, MI XXXX to XXXX XXXX '' when my name is different than the one signed and there is a clear difference, moreover the scanned image of the recipient information shows that the name is " XXXX XXXX '' not even " XXXX '' Therefor, how can Capital One state that I did sign for the package when they ca n't provide a proof of this statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some credit inquiries that have been on my credit report for a while that is a result of a scammer using my personal information in an attempt to obtain credit on multiple occasions on XX/XX/XXXX XXXX, and XX/XX/XXXX. I have contacted all Credit Bureaus and Filed an Identity theft affidavit when I first noticed the identity theft. I have called Transunion multiple times speaking to different representatives receiving different answers on how to have them removed. The FCRA states if an item is a result of identity theft the CRA 's must remove them. The following inquiries are XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.