23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I requested a payoff letter for the loan for our mortgage closing on XX/XX/XXXX. Every other company I dealt with emailed the letter or I was able to get it from the secure website. I was told by American Express that it must be mailed and it will be XXXX business days for it to arrive. I requested again on XX/XX/XXXX for it to be faxed directly to the bank. I was again told it can only be mailed and only once. 

XX/XX/XXXX, the payoff letter still had not arrived. I called American Express and spoke with a XXXX and was told that it can only be mailed, but that what I needed to give to the bank was not even on the letter they mailed. I was taken aback by this as I had been waiting for this letter as the only thing we needed to close on our home. Now we close in 2 days and I have no payoff letter and am no closer to getting it. I have been directed to the website to my original loan agreement, which is not what the bank is asking for. I am not sure what I am going to receive in the mail or if I will even receive it in time to close, but I would like to warn others do not use American Express personal loans!! 

I will try yet again tomorrow morning to get my actual payoff letter before XXXX XXXX  It seems like this is an attempt to get another loan payment and more interest out of me and is unacceptable!
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 XXXX Account Number : XXXX Account Name : XXXX BANK Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 reporting or other personal consumer reports

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 has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Student loan

I have been contacting and working with Navient [ again ] for the past 13 months, [ last XX/XX/2018 i contacted and tried to get my Loan modified, and they turned around and AGAIN changed the terms and payment and have me pay ever MORE, by charging me for a " Forbearance '' and charging me over {$63.00} PER MONTH, just to use the Forbearance, while adding to my overall penalties from the last time they extorted me from over 20 years ago, and my loan then was {$10000.00}, now it is closer to {$16000.00}! 


I have talked to NUMEROUS people and agents, and they always have steered me to wrong options and financial choices, on trying to repay the student loan, as i wanted a INCOME BASED PAYMENT, and Navient [ after numerous requests! ] does not send me the payment history [ i have paid this for over 10-13 years BEFORE I LOST INCOME! ] and the payments keep going up since MY payments only include the interest NOT the principle of the loan! 


I have been VERY PATIENT, and have most documents and old papers they have sent to me for the past 27 years and more! My school closed down, [ XXXX XXXX XXXX XXXX ] after the months i graduated. I have not found much work as the school was a fraud! 

CAN you help me with dealing with them, as i suffer now from XXXX and maybe have to drop out the work force! 

If you can help i think i can provide much more. Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit Bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i. 

I waited XXXX days and I haven't received nothing. It has been over XXXX days. 

And XXXX more thing, they didn't even record the current status of the disputed information. 

Equifax, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family but XXXX is not doing its job according to the law.
Product: Debt collection

I visited the ER at XXXX XXXX on XX/XX/XXXX. I paid the {$250.00} co-pay at that time and I have the receipt. I received a billing notice for {$250.00} from XXXX XXXX and called them on XX/XX/XXXX and explained to XXXX/patient service rep that my {$250.00} co pay was paid at the time of my ER visit. She said she would correct their records. <P/>I received a letter dated XX/XX/XXXX from AMCOL Systems ; a collection agency stating I owed XXXX XXXX {$250.00}. I immediately sent them a copy of my receipt with proof the {$250.00} co pay was paid through my health savings account. <P/>I received another letter from AMCOL Systems dated XX/XX/XXXX stating I still owed this amount, along with an itemized bill from XXXX XXXX. <P/>I called AMCOL Systems on XX/XX/XXXX and spoke to XXXX. I explained my situation to her and she kept telling me that they are trying to collect a debt. I kept telling her there is no debt as I paid my copay at the time of my ER visit. <P/>This collection is now on my credit report.
Product: Credit reporting or other personal consumer reports

dept of education XXXX  in accordance with the Fair Credit Reporting act 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 without my written instructions dept of education XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

I have submitted the required documentation, which includes a letter with the correct information, a letter with the incorrect information, as well as identification documents ( IDs ) and the SS ( Social Security ) bill. Despite providing all the requested information, I have not received a proper resolution or response from the company involved. 

Actions taken on my part : I gathered and submitted the necessary documentation, including the letter with the correct information, the letter with the incorrect information, along with the IDs and the SS bill. 
I have followed the companys established process to resolve this matter, but to date, I have not received a clear response or resolution. 
Expected outcome : I request the CFPBs assistance in contacting the relevant company to facilitate the resolution of this issue. It is crucial that the submitted documentation be reviewed and that appropriate steps be taken to correct any errors or misunderstandings.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX opened a credit card for someone under my name and refuses to remove it!! It has an address that I NEVER lived at. XXXX XXXX XXXX XXXX XXXX XXXX. I did not open this account and demanded a signed copy of me authorizing this credit card. The bureau reported it as opened in XXXX now it says opened in XXXX. This is not my card and I never authorized it!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00}.
Product: Debt collection

Amount reported is inaccurate. I am not the original owner of the account. I have provided the name of the original owner XXXX XXXX. I have asked them twice to verify the account with no success or response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX for internet/cable service. Part of the service included a tablet that was given to me for having the service. The tablet needed repairs and I called XXXX for service. The advised that they would send a return envelope. At the same time XXXX sent me a return package for the equipment I had since I was ending service with them. I inadvertently sent the tablet to XXXX. I called XXXX immediately when I saw that I made the error and was transferred around to several people who were of no help. I finally spoke to a manager who stated that anything sent to them is listed as equipment and there was no way to find it. I told him what was sent and I have the return receipt and where it was sent. He said that they are not going to send anyone in the warehouse to look for it. I stated that I still have the actual equipment and he told me that it was of no use to them. Since then they have dinged my credit report for the price of the equipment that they would not allow me to return but somehow managed to keep my tablet. I want it back.
Product: Payday loan, title loan, or personal loan

Filed an application for personal loan on XX/XX/XXXX. They required paystubs and ONLY paystubs as proof of income and employment on their application. I am paid from a government grant and submitted my tax documentation and offered my W-2 in order to verify my employment. The customer service agent told me I needed to get additional documentation from my work outside of a W-2 to verify employment for which I decided to withdraw my application on XX/XX/XXXX as they insinuated they could not verify my app. with a W-2. As I was now unable to get approved by other bureaus due to a recent unsecured loan which *I* withdrew, I reconversed with SoFi customer support who indicated that they actually COULD verify my employment with a W-2, contrary to what I was told before withdrawing my original application. When I opened a new application on XX/XX/XXXX for 1. the same loan amount, and 2. without a new credit check as they store credit info for 30 days my interest rate had increased 15 % from the original loan offer. When I asked what warrants an increase of 15 % in 1 day, for the same amount, and with no change in credit I was told that rates are based on credit check ( which remained from the original application ) and the application amount requested/income ( which had not changed ). When I requested further information or someone to talk to regarding this extreme increase they claimed to not have access or know what the rate was based on. A 15 % increase in one day for the exact same application seems extremely predatory? and based entirely on the whims of the company and not the actual market or application. I would like a response from the company which outlines *specifically* the basis for the 15 % increase in set interest rate between my two applications and I would like the inquiry on my credit from this company removed as 1. I withdrew on the basis of receiving incorrect information, 2. they refuse to provide a fair rate, and 3. render me unable to secure a fair loan from another company
Product: Debt collection

THIS MEDICAL BILL SHOWED UP A YEAR AND SOME MONTHS AFTER INCIDENT I HAVE MEDICAL INSURANCE AND XXXX XXXX XXXX HAVE HAD PROBLEMS GETTING IT BILLED CORRECTLY IN THE PAST HOWEVER WHEN ASK WHAT THE CHARGES WERE? FOR THE STATEMENT ON THE BILL REFLECTED SERVICES RENDERED THATS ALL AND ALL I I CAN GET OUT OF THEM UNACCEPTABLE I NEED TO KNOW WHAT IT WAS AND WHY IM BEING ASK TO PAY. MY INSURANCE HAS NO RECORD OF THIS BILL?? AND ASK ME TO GET INFO SO THEY COULD CHECK ON THEIR END NO INFO JUST BILL NOW ITS TWO YEARS SINCE A DATE OF XXXXXX/XX/year> IS ON BILLS I DONT RECALL BEING IN HOSPITAL BUT I DONT KNOW WHAT THIS ALL ABOUT IT COULD BE SERVICES NOT COVERD BY INSURANCE BUT I NEED INFO BEFORE I JUST CUT A CHECK LIKE A FOOL.
Product: Checking or savings account

Because I have disputed charges with the bank over a period of time. On XX/XX/year> I called bank to dispute a charge from XXXX XXXX XXXX Speaking with XXXX, they advised the transaction wasnt from their end. To dispute with bank. Disputing with bank purchasing another debit card. My account was restricted permanently from debit card and can no longer have a debit card. Due to someone in the fraud department felted as if I no longer needed to use my debit card on my account. This decision is made poorly of dispute history which I have provided documentations for disputes. The decision should not be made by someone within the fraud department of someone livelihood. Branch office stated filing a complaint and sending fraud manager a message in regard to overturning the decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, D ; XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX OLD XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX BalanceOwed : {$770.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX BalanceOwed : {$310.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$310.00} ; XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXX Owed : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and 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 XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX Capital one finance XXXXXXXX XXXX XXXX XXXXXXXX Was told they couldnt do anything about inquiries.
Product: Credit reporting or other personal consumer reports

First the debt is in litigation as I'm writing the complaint. Second the I've already filed my XXXX to discharge the debt in compliance with debt discharge procedures. In conclusion the debt is over twenty years old,15USC 1666b . Please remove this collection from my report immediately per 15 USC 1692c and d, and 15 USC 1681i ( a ) ( 1 ) ( A ). This debt has surpassed the lawful limitation and it's destroying my credit reputation and creating a risky character ( slander ) to other financial institutions in regards to possibly future lending based off loan amount.
Product: Mortgage

PHH Mortgage owns the reverse mortgage on my home loan # XXXX. 

1. PHH Mortgage unfairly receives excess interest on the loan by only accepting payments via mail. Thus by not accepting online payments, interest is charged for up to two weeks or more after a payment is mailed, unfairly limiting my ability to reduce the amount of the mortgage and unfairly benefiting from the excess interest income. 

2. PHH Mortgage does not permit direct access to Customers Service Representatives who can answer specific questions related to accounting and or specific payments such as the status of a bank wire transfer. When I asked to speak to someone in the accounting office, I was told that I had to submit my questions in writing to the accounting department and they would get back to me. 

This practice unfairly discriminates against borrowers who do not possess adequate education and financial awareness to write clear and concise questions. Further, the practice discourages borrowers from being able to obtain timely information about their loan in the event of an emergency. Further, this oversight increases the length of time that mistakes and/or oversights in accounting are allowed to impact the borrowers loan.
Product: Checking or savings account

We receive direct deposit every XXXX weeks from my husbands company on XXXX. Capital One has not released direct deposit into my personal bank checking account shared with my husband. They have published on their website they are having technical issues. They sent me an email today XX/XX/25 saying that the issue should have been resolved as of this morning. It is almost XXXX XXXX and the funds have still not been released. As the day continues, I grow increasingly concerned that these funds will not arrive prior to the banks closing for the long holiday weekend. We rely on this account to pay our bills. If we do not receive these funds, our bills will not be paid on time.
Product: Credit card or prepaid card

This is with my California XXXX XXXX  card. I had money deposited XX/XX/XXXX at about XXXX and by XXXX it had been used in rapid succession and emptied. I notified the company at XXXX ( all PST time ). I started a fraud dispute. I received a letter today saying I was in a deal with the merchant and they denied fraud. The card company said there is not one thing I can do case is closed. I asked to speak to someone regarding the investigation because its so obviously fraud and they told me I could not, no one that has a phone number. I was instructed to contact the merchant but there is no contact information for them. Not on the statement and they said they did not have it. But Im guessing they had to contact them to investigate and just wont share it.
Product: Checking or savings account

On XX/XX/year>, my car was broken into and my wallet was stolen. I discovered this approximately an hour after the crime and a police report was filed immediately and Wells Fargo was contacted about XXXX stolen debit cards. At this time, I saw in my account that the thieves had tried to purchase gift cards at a XXXX XXXX XXXX minutes away ( approximately at the time I was meeting with the police ). They made XXXX attempts to purchase XXXX {$500.00} gift cards and XXXX {$250.00} gift card. Wells Fargo denied XXXX of the {$500.00} attempts and the {$250.00} attempt -- but they authorized the other {$500.00} attempt. I was told by Wells Fargo that this would be rectified but on XX/XX/XXXX, I received a letter from the bank informing me that I had not submitted information that they requested ( they did not request any other info - nor could they tell me what they were missing ), that they would not be reimbursing me for the {$500.00} purchase and the case was closed. I've since met with or talked to XXXX Wells Fargo representatives who refuse to explain how XXXX purchase attempts could be denied but XXXX authorized by them -- at the same store at the same time. They simply maintain that the {$500.00} purchase was authorized and a processing error did not occur. Of course, this is ludicrous. Attached is a copy of the police report and the letter from Wells Fargo. Many thanks for your intervention on my behalf.