23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have been attempting to rectify the situation with Bank of America by calling various executives including the Assistant General Counsel to no avail. After further review of my account I located {$490.00} worth of bank fees on XXXX account alone within the last month. All of these were based off of Bank of America allowing electronic payments to post and then charging my account a bank fee. The most recent fee was for a {$7.00} charge that they returned to a vendor that last month they choose to pay as a " courtesy '' when the transaction was for well over {$100.00} and the account was overdrawn for a lot more than it was when they returned the {$7.00} transaction. When I asked them to place a block on my account so that if I do not have the funds in the account electronic transactions can not be processed, which would avoid the overdraft fees being assessed I was told that it could not be done since my account was overdrawn. 

In addition to their unresponsive, unethical, and dishonesty I located XXXX erroneous transactions just with a preliminary review of my account. These transactions along with the bank fees that were assessed to my account put it in the positive, therefore there justification for removing funds from my savings account to cover the fees that they placed on my account is even more so ridiculous. Out of the {$540.00} that was taken from my savings account from the funds that I had already authorized to be paid to XXXX XXXX on XXXX/XXXX/15 at least {$490.00} of it was to cover fees that they placed on my account to cover transactions that they either " courteously '' paid or for bank fees that were assessed to my account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX MTG XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX XXXX XXXX  XXXX INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Student loan

As a XXXX, I should qualify forXXXX Loan forgiveness My coworkers got the loans reduction, but I have been denied 3 times. My district administrator signs the paperwork and verifies my employment. I began XXXX in 2005 and have worked for the same district to date. 
One rep told me I could get it because I had a XXXX  XXXX- no where in their correspond does additional degeees deny the request. 
One rep stated if I entered dashes instead of hyphens it gets tossed out. 
One stated I have s consolidation and that denies my ability for loan forgiveness- yet there reps recommended consolidation to me when I was struggling to pay my bills Ive been trying to secure financing elsewhere and have struggled getting the necessary data to my new loan servicing agency. 
I am tried and frustrated of being lied to, misdirected and denied to conditions offered at the time of requesting the loan funds. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS. XXXX
Product: Student loan

I have a student loan through XXXX and I was in the process of restarting my loan payments. I called the number for XXXX and I was connected to a company called Allied Enrollment and I thought that I was dealing with a company that was affliated with XXXX and that my student loan payments would be credited to XXXX. A few weeks ago Allied called me and advised me that they would need access to my XXXX account. I advised them that if they are affliated with XXXX that I should not have to get them access. They already debited XXXX  months from my bank account in XXXX and XXXX for XXXX. I did not feel comfortable about the situation so I told I would not give them access to my XXXX account. I recently received email from XXXX that advised me that they had not received any payments toward my loan. I want the company to refund my payments since they do not represent XXXX
Product: Debt collection

On XX/XX/year>, I received an email from Columbia Debt Recovery LLC DBA Genesis, XXXX XXXX XXXX XXXX XXXX XXXX, regarding a collection on behalf of XXXX XXXX XXXX XXXX XXXXXXXX. I contacted XXXX XXXX XXXX XXXX XXXXXXXX regarding any outstanding debt owed to them. I spoke with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX who stated that they showed no outstanding balance owed by them and provided a Statement to that effect. On XX/XX/year> I sent a letter to Genesis stating that I did not owe anything to XXXX XXXX XXXX XXXX XXXX providing the email from XXXX XXXX and the Statement showing no outstanding balance. I have just discovered that not only has Genesis ignored my letter, but they are reporting this debt to the credit reporting agencies, which is impacting my credit score.

It needs to be stated here that not once have I been contacted, through any medium, by XXXX XXXXXXXX XXXX XXXX XXXX regarding an outstanding balance owed to them. The only thing I have received regarding this is from Genesis. It seems odd that The XXXX XXXX XXXX XXXX would not contact me at least once if there was an outstanding balance due to them. 

Additionally, The XXXX XXXX XXXX XXXX will not process an application for renting a unit with them unless the full application fee has been paid to them in advance. Also, a lease was never signed with XXXX XXXX XXXX  XXXX XXXX and my wife and I have never resided at XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Checking or savings account

On XX/XX/year> : I opened account with the balance of {$35000.00}. I went into the hospital XXXX weeks later and when went to the bank my balance was approximately {$11.00}. 

I asked for a bank statement to find unauthorized charges ; and the charges showed charged off of credit cards in which I do not own or never owed. 

The stated they would look into ; and told there is nothing they could do.
Product: Debt collection

Female from ACS called and accused me of committing insurance fraud for waiting and eventually cashing a check my insurance company sent me that after the fact we found out should've been sent to the doctor. It was addressed to us and was verified by the bank at the time of deposit. 

This same vendor is now trying to get us to pay a bill that we already paid by threatening to report it to credit bureaus.
Product: Debt collection

I called Finance systems of Toledo in XX/XX/XXXX to ask why they reported the closed/paid collections account on my credit report in XXXX of XXXX when this account was paid and closed XX/XX/XXXX of XXXX but the closed date was updated to XX/XX/XXXX and then XX/XX/XXXX. I was advised by a XXXX that he would give me a call back after he looked into the matter. I looked at my credit report in XXXX of XXXX and they updated this accounts closed date to XX/XX/XXXX. They are reaging the debt by doing this. I reached back out to them and was advised just because you paid the debt does not mean it will be removed. I advised the representative that my issue is with them updating the closed date as if it was just closed. I explained to the representative how this is negatively effecting me and he was very nonchalant and said we cant remove it sir I'm sorry.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are alleged collections on my report that i do not recognize. I demand removal of these accounts pusuant to section 623 of fcra.
Product: Mortgage

Subject : Complaint Against XXXX XXXX  and Roundpoint Mortgage for Failure to Pay Homeowners Insurance Premium from Escrow Account Summary of Complaint : I am submitting this complaint against XXXX XXXX  and Roundpoint Mortgage Servicing Corporation regarding their failure to properly manage my escrow account for payment of my homeowners insurance premium, resulting in the termination of my insurance coverage and subsequent property damage. 

Background and Facts : Mortgage Transfer : My mortgage was originally serviced by XXXX XXXX  until it was transferred/ Sold to XXXX XXXX  in XX/XX/year>. 
Escrow Account Setup : As part of my mortgage agreement, escrow payments were set up to cover my homeowners insurance premium, which was due for renewal in XX/XX/year> with XXXX XXXX. 
Failure to Pay Insurance Premium : Renewal notices and bills were sent by XXXX XXXX to XXXX Bank, but XXXX did not act on these notices.

Roundpoint Mortgage attempted to contact XXXX XXXX to arrange payment, these attempts were unsuccessful, and no payment was made from my escrow account. 
Resulting Impact : Due to nonpayment, my homeowners insurance policy was terminated, leaving my property unprotected. Subsequently, I experienced water and sewage damage that affected my carpets and household items. These damages would have been covered if my insurance policy had remained active. 

Specific Damages : The mishandling of my escrow account has resulted in uncovered property damage, including but not limited to : XXXX damage due to water issues Damage to household items due to sewage backup These damages have resulted in significant personal expenses that should have been avoidable had my insurance coverage been maintained.
Product: Credit reporting

XXXX/XXXX/XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion , LLC XXXXXXXX XXXX XXXX, XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
Those address are not mine Please removed all adress ADDRESS : XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX XXXX CHILDSUPPORT XXXX # XXXX CHILDSUPPORT XXXX # XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my utter frustration and disbelief at the abhorrent level of service I have received from Equifax in regard to a disputed inquiry on my credit report. Since XXXX, I have tirelessly and diligently attempted to rectify this matter, only to be met with sheer obstinacy and an unwarranted refusal to correct a glaring error on my report. It is nothing short of infuriating that Equifax, a company entrusted with such sensitive financial information, has displayed such blatant disregard for the wellbeing and integrity of its customers. They have been removing and adding the inquiry on my account. They have been sending me updated credit report with the inquiry remove but when I check it online, its still there., This relentless stonewalling is not only unprofessional, but it undermines the very purpose of the Consumer Financial Protection Bureau and its mission to safeguard consumer interests. It is high time that Equifax be held accountable for its disgraceful conduct. The intransigence displayed thus far is nothing short of a gross injustice, and I implore the CFPB to take swift and decisive action to rectify this egregious situation. Your immediate attention to this matter is not only warranted, but demanded, as I refuse to accept anything less than a fair and just resolution to this issue.
Product: Payday loan, title loan, personal loan, or advance loan

I opened my XXXX billing statement dated XX/XX/XXXX and saw a principle balance due of {$3100.00} so I made a payment of {$1500.00} the same day and another payment of {$1500.00} on XX/XX/XXXX satisfying the principle amount due. To ensure everything was satisfied I contacted the Goodleap billing department on Monday XX/XX/XXXX and requested a payoff statement. The representative told me that she could not provide on at that time because my XX/XX/XXXX payment was still processing the in computer system and told me to call back later in the week. Then I received a statement 6 days after my payment on XX/XX/XXXX stating that after the two payments mentioned above were accounted for that I now have a principal balance of {$2800.00}. I contacted the company the next day XX/XX/XXXX to ask what was going on and I again asked for payoff statement. The representative stated that because my XX/XX/XXXX payment was 6 days past the " promotional period end date '' of XX/XX/XXXX that I was now assessed interest for the entire loan period and that under the circumstances, Goodleap would not offer me what amounted to a 6 day grace period to payoff a fraction of the loan. I then filed a complaint with the company to which they responded with documents that evidently were signed among a plethora of other documents in connection with my purchase of an HVAC system and denied my request to waive the penalty interest. I feel cheated and deceived.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX, XXXX, WV XXXX XXXX. My SS is XXXX DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate: XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX,XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX, WV XXXXXXXX XXXX XXXX XXXX, OH XXXXI HAVE  CELLPHONE NUMBERS ON MY FILE THAT DO NOT BELONG TO ME PLEASE DELETE THE FOLLOWING NUMBERS: (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

" " '' I have disputed this charge off on this XXXX   XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
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 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 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, credit repair services, or other personal consumer reports

XXXX Trans Union and XXXX are continuing to report inaccurate information. This collection with XXXX should not appear on my credit file for I have sent proof and it still remains. I agreed with XXXX that I would pay for delete. Item is paid and was not removed. Sent in that proof to the credit bureaus. Per XXXX representatives, have advise credit bureaus to remove due to agreement for pay for deleted was completed, yet this still remains on my credit file damaging my credit scores.
Product: Debt collection

This letter is sent in response to phone call received by you on I am requesting that you provide verification of this debt. Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision. Sincerely, XXXX XXXX
Product: Bank account or service

An unauthorized transaction was made using my debit card from Skrill in the amount of {$73.00} on XXXX/XXXX/2016. 
The transaction line from my bank statement looks like this : XXXX * NY
Product: Credit reporting or other personal consumer reports

This address of XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX Does not belong to me.
Product: Debt collection

The original creditor is no longer in business which is the XXXX XXXX XXXX however the XXXX XXXX XXXX was managed by XXXX XXXX XXXX whom I have contacted professional debt just put this on my report without notification and validity of this debt. I have told XXXX and XXXX and XXXX I have shown proof this debt is in repayment. This needs to be deleted off my credit report. 

I am attaching payment agreement which is now in the hands of the property management company XXXX  XXXX.
Product: Mortgage

Chase Bank agreed in XXXX, 2016 to a closing date of XXXX/XXXX/16 for a house we bought. They were unprepared on XX/XX/XXXX, but said ( daily ) they only needed another day or so. The seller let us move in anyway, as they had moved out and were enroute to Colorado to close on their new home. I called and emailed XXXX or XXXX different people at Chase daily, and almost never got a return call or email in reply. Chase delayed day by day, not closing until XXXX/XXXX/16. We had to pay our sellers ' out-of-pocket expenses of {$4600.00} to get them to extend our purchase contract past XX/XX/XXXX. We have asked Chase repeatedly to refund the {$4600.00}, and they have hinted that they will, but they are ignoring my calls and emails. We would like Chase to pay the {$4600.00} cost we incurred because of their delay. In addition, Chase 's rep, XXXX XXXX, promised to get our loan origination fee of .XXXX % waived at closing, but it was not. We would like that amount refunded, too, because of the promise they made AND the ordeal they put us through. Our sellers called us " squatters '' and even told some neighbors of our problems getting financing. It has made moving into the neighborhood uncomfortable, all because of Chase 's incompetence. Our credit, income and assets are very good - Chase is the entire problem here. I have dozens of emails and recordings that document their failures to perform, respond and make repeated requests for documents already supplied.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious matter regarding inaccuracies in my credit report that have arisen due to identity theft. Despite my previous attempts to rectify this situation, it has come to my attention that the erroneous items have not been removed as required by law. 

Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any items found to be opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. As such, I have submitted the necessary documentation to support my claim, yet the fraudulent accounts listed below remain on my credit report : These accounts were opened without my consent or knowledge, and I am adamant that they be removed from my credit report immediately.

In accordance with the FCRA, I am giving you formal notice that if these items are not removed within the next four business days, I will be left with no choice but to pursue legal action. My intention is to resolve this matter amicably and without the need for litigation. However, I will not hesitate to involve my attorney if necessary to ensure compliance with the law.

Furthermore, if you claim that these items are 100 % accurate and verifiable, I demand that you provide me with copies of any documentation associated with these accounts that bear my signature. As I know no such documentation exists, I expect that this information will be promptly deleted from the credit file associated with my Social Security number.

I urge you to take immediate action to address this issue and prevent further harm to my credit and financial well-being. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX MUTUAL ) XXXX Balance : {$150.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX