23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. We have a 3rd floor condo in a mixed use retail, professional office and residential building in XXXX,XX/XX/XXXX We were notified by US Bank in XXXX this year that flood insurance would be required. We have a first lien HELOC with US Bank on this condo. It was opened about 10 years ago. 

2. We informed US Bank that we would like to close the account in late XXXX rather than secure a flood insurance policy for over {$1000.00}. 

3. US Bank 's insurance division then put " forced place '' flood insurance on our condo, and billed us for the annual premium of {$1000.00} in XX/XX/XXXX. We spoke to various US Bank divisions and representatives in XXXX and XXXX explaining that we had closed the account and should not be held liable for the flood insurance premium. On one occasion speaking with the insurance division rep, he said that if the account was closed, we indeed wlll not be liable for the premium, but as his system was down, he could not verify tha the HELOC account system was reflecting the account as closed. He said he would notify the HELOC division that we indeed had requested to close the account, and he said he would update our account notes once the system came back up. 

5. We continue to be told by the US Bank HELOC unit that we still owe the {$1000.00} premium. Plus they have not given us an accurate pay-off amount and continue to bill us for nominal accrued interest. Our XX/XX/XXXX statement shows we had an outstanding balance of {$4.00} in XXXX that we remitted {$4.00} XXXX ( check cashed ) and it says we still owe {$4.00}. 

6. We are simply seeking to close our first lien HELOC. US Bank has not been able to do that and they are continuing to bill us even though we paid off the {$4.00} outstanding a, and they continue to tell us we owe the flood insurance premium. 

We are working professionals who own multiple homes and this has taken an inordinate amount of time to simply close our account. We ask you help in closing the account and resolving the annual flood premium liability that was forced on us. We offered to pay a pro-rated amount of the insurance premium to expedite the closure but US Bank could not calculate that and bounced us from one unit to another over a period of two hours today.
Product: Money transfer, virtual currency, or money service

Block employed weak security protocols for Cash App and put its users at risk, the CFPB said in its release. While Block is required by law to investigate and resolve disputes about unauthorized transactions, the companys investigations were woefully incomplete.The digital payments provider agreed to pay penalties to the Consumer Financial Protection Bureau and a group of states under settlements that alleged the company violated banking laws.
Product: Bank account or service

I bought a washer dryer from a XXXX store on XXXX/XXXX/16. The washer was defective and flooded my cellar with water. On XXXX XXXX, 2016 the washer dryer was returned and a refund was promised within 2 days. Today XXXX XXXX XXXX, 2016 XXXX, I went into the store to demand my money. After 2 hours of waiting while they looked at their records, my XXXX debit card was swiped - once again an immediate refund was promised. 

When I arrived home I called my bank ( Chase ), as no credit appeared on my account. My bank will not help until a full 15 days have elapsed from the time of my complaint. So my bank ( Chase ) is participating in a scheme to hold over {$1000.00} for over a month for a product that was defective, damaged my house, and has been returned. They claim the 'XXXX rules ' demand this behavior. 

Imagine if I pulled into XXXX XXXX store and loaded up a washer a dryer and drove off with it without paying. Would I have 15 days to pay for it before I was XXXX? OF COURSE NOT! 

Start providing some 'justice for all ' instead of just cash holding for all your banker friends!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 hard inquiries showing on my credit report. These were done on XX/XX/2019. The names are Syncb/amazon XXXX FL, XXXX XXXX DE and XXXX XXXX XXXX VA. I did NOT apply for credit with these 3 companies. Should I be concerned with identity theft?
Product: Debt collection

Following a thorough check of my recent credit report, I identified several unauthorized accounts that seem to be fraudulent. Kindly block and remove these accounts from my report.
Product: Consumer Loan

Lender failed to send financial/billing statements in a timely manner ; after requesting a bill, and receiving one, I have made timely payments. Lender continues to add interest charges to the initial late fee assessed, even though representatives assured me that there would be no late fees, as their error caused the initial billing lapse.
Product: Mortgage

My name is XXXX XXXX. I am writing in regards to my previous property at XXXX XXXX XXXX XXXX XXXX AZ XXXX. My property was being foreclosed on in XXXX. I was not offered a loan modification or any help when the housing market crashed. I was told I would be receiving {$3000.00} this did not occur. My question is why did they not pay these monies owed? I will attach documentation. Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau To whom it may concern, I am writing to file a formal complaint against XXXX regarding inaccuracies in credit reporting and improper debt collection practices related to my account, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ), U.S. Code 1692. National Credit Systems has been reporting inaccurate information to my Social Security number under the account XXXX. Specifically charging unauthorized fees that are not stipulated in the original debt agreement. This practice not only misrepresents my debt obligations but also reflects negatively on my credit history. Furthermore, I have received numerous calls from a law firm claiming to represent XXXX XXXX XXXX, offering various debt settlement amounts and terms that are inconsistent with what is listed on my credit report. These discrepancies have caused confusion and have raised concerns about the legitimacy and legality of their collection efforts. They are unlawfully requesting a one-day settlement making continuous calls. I am formally requesting that National Credit Systems, and any third parties acting on their behalf, cease these unauthorized practices and delete the inaccurate information reported to the credit bureaus. Additionally, I ask that the collection agency provide clear and accurate information about the debt amount and terms, in compliance with FDCPA regulations, as they have not responded directly to any of my requests. Please confirm receipt of this letter and outline the steps your office will take to resolve these issues. I appreciate your prompt attention to this matter. SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I paid my full balance with Bank of America ( {$13000.00} ).  On XX/XX/XXXX, BofA again drew against my checking account in the same exact amount even though my balance was {$0.00}. This not only put my credit card account with them in a credit balance but also over drafted my checking account. Furthermore, upon calling BoFA I was told to just give it 3-5 days! I have a negative balance in my checking account and they basically STOLE my money {$13000.00} worth and then are telling me to just wait it out while I am drawing overdraft fees and additionally have mortgage payments and other bills to pay! There is something seriously flawed with Bank of America 's business practice in terms of their payment system. I have autopay setup to ensure I am not late on any payments so on XX/XX/XXXX they also drew another {$130.00} on this same account against my already overdrafted checking account and my credit card balance now has a {$13000.00} Credit Balance and they just tell me to wait it out. I WANT MY MONEY NOW!!!! THEY ARE A BUNCH OF CROOKS! I do not understand why on earth they would continue processing payments on a XXXX balance or even a credit balance!
Product: Student loan

I have been attempting to get the remaining loan forgiven through the Public Service Loan Forgiveness program, unsuccessfully. It seems that Mohela has not updated their payment counts and as a result, I haven't had the loan forgiveness that I am due. The issue is that there is a large block of payments that have been made, and were qualifying, but haven't been applied to my account. What's somewhat odd about this, is that there have been payments prior to this block of time that have been applied, and a block of payments after this time period that were applied, but for some reason there are about 51 payments that aren't being counted towards PSLF, even though those are qualifying payments. I pulled all of my student loan payment records through the FOIA and have included screenshots of the qualifying payments that I've made, as well as a screen shot of Mohela 's payment count. Multiple attempts to inquire with Mohela have gone unanswered in that they can not seem to understand why those counts haven't been applied yet. They refer me to FSA - Federal Student Aid indicating that FSA is responsible for informing Mohela what payments should be applied. When I call FSA, they refer me back to Mohela indicating that Mohela is responsible for the payment counts. No one seems to be able to find any answers here, and as such, I hopeful that CFPB can. Screenshot 12 - That is a picture of my payment counts in Mohela - You can see the gap in counts, as it goes from XXXX XXXX XXXX. Screenshots 13 - 17 should prove that the payments were made, and were qualifying. Further, these payments would push my count over the 120 payment count for my last loan and it would be forgiven. My student loan should be forgiven due to PSLF. More specifically, payments made from XX/XX/XXXXXXXX XXXX XXXX  aren't being counted. 
These missing 51 payments would push me over the 120 threshold quite easily. I will include screenshots of the documents, and can provide on request, the actual documentation. I have submitted this complaint in the past, but the answer didn't address why those payments weren't being counted when others were. ( complaint number XXXX  ) Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a followup to complaint XXXX I just received a reply from Experian. It is obvious that they did not read the complaint and simply pasted some boiler plate text as an answer. 
I have made it clear that I do not dispute the debt. What I want is for Experian and XXXX to agree to remove the negative comments on my report in exchange for payment. They both tell me it is not up to them, but to the other party. Experian did not even remotely try to answer the question and simply concluded that the debt was valid ... TO WHICH I HAVE AGREED. 
Can you please get these lazy careless people to do their job? 
Thank you
Product: Mortgage

Refinance VA Mortgage, Payed off Freedom Mortgage XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX. My credit union inadvertently sent ( 2 ) two payments after the mortgage was closed w/Freedom Mortgage ( 1 ) one payment was sent for the amount {$710.00} on XX/XX/XXXX another payment for {$710.00} was sent XX/XX/XXXX called Freedom Mortgage XX/XX/XXXX to find if they received the first payment Freedom Mortgage acknowledge they had received the payment and would put the money back into my account did no specify a date. call them several before the second payment was taken out XX/XX/XXXX. ( 3 ) three since the second payment was taken out got the same answer they would refund the total {$1400.00} back in to my account as of today XX/XX/XXXX the money has not been put in my account. 


XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

I contacted Bank of America customer support and my transactions were declining. I called XXXX and spoke to 2 representatives ( XXXX XXXX XXXX XXXX XXXX ). I requested that my account be unlocked as I didn't understand why it had been blocked. 

I did not report any suspicions activity nor was I notified by BOA of any unusual activity on my account. I mentioned to the customer service representatives that I was traveling and it was crucial that my account be unlock, specially because they could not provide an explanation as why my account is blocked. 

I'm current with all payments and have never paid late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. XXXX # XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX Bank # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX All of these accounts were not open by me and are still on my report. I have attached the FTC identity theft report. DELETE THEM ASAP PLEASE. 

FTC REPORTS # XXXX & # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/ I HAVE NOTICED FRAUD ACCOUNTS AND INQUIRIES THIS IS ONE OF THE FRAUD ACCOUNTS THAT MUST BE REMOVED NOW! 

account name : XXXX self-reporting account # : XXXX account type : Installment last reported XXXX last payment XXXX last date active : XXXX incomplete account # is grouns for removal of this account " fair cares act ''
Product: Student loan

On XX/XX/2022, I received an email from Aidvantage stating that theres a payment due next month for {$47.00}. There should not be a payment due, nor has there been one for at least a couple months, as my loans were all put into the national Covid forbearance. When I check online, just 1 loan has been taken out of forbearance, and has a past due amount of approximately {$23.00}. I have not received any information about this particular loan being taken out of Covid forbearance, nor that a payment was erroneously due last month. All my loans are through the Department of Education, none are private, nor are they the specific types of loans excluded from forbearance. I called Aidvantage to see what had happened and to make sure it wasnt going to affect my credit score. They assured me they would return the loan back to forbearance, however I have no way to make sure of this, except to wait, at which later point in time the erroneous past due amount may affect my credit score. Also, this is the second case in my history with that servicer where I would call for something to be done ( refund ), waited weeks for the refund, only to call and find out that the refund was never processed and that Id have to wait several weeks again!
Product: Debt collection

I am severely distressed due to my rights being violated by this company. 

I woke up the morning XX/XX/XXXX to find my vehicle, a XXXX XXXX XXXX, was stolen from a private gated property by an unauthorized third party, which is a violation of 15 usc 1692f ( 6 ), which the third party company involved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, did not have a court order to seize said property. XXXX XXXX is also in violation of 15 USC 6803 ( a ) ( 1 ), because they did not receive any written authorization from ME to disclose my personal information to a third party. 

Further in accordance with 15 USC 1692e ( 2 ) ( 4 ) This company is liable for the unlawful seizure of my property, as the vehicle was parked in a private gated area in the middle of the night, so the towing company had no legal means of entering the property, thus resulting in XXXX XXXX XXXX XXXX XXXX XXXX 

As a consumer, I know my rights afforded to me by federal law, and I am requesting immediate compensation to my distresses or I will be forced to seek litigation.
Product: Credit reporting or other personal consumer reports

To Experian : My identity was stolen and the email and phone number used to access my Experian account is not mine. I have called 5 times in the last 3 days. I have uploaded requested documents 5 times as well in near perfect quality and I am told repeatedly that the quality is degraded and unreadable on their end. I have requested that my credit be unfrozen, the fraud alert be lifted, and that my account be restored. There were promises of callbacks or responses, but neither my phone nor email account have any messages. The company is very difficult to contact, and whenever I find my way to a human voice, they almost always direct me to the automated phone system instead of actually trying to help me.
Product: Checking or savings account

I have reached out to XXXX XXXX XXXX at Truist Banking which he did call and I went to see him to submit my court-certified POA paperwork pertaining to my mother. XXXX XXXX stated after a week that the paperwork was denied because the paperwork was not in the correct order. he said someone else has power of attorney over my mother which is impossible due to the fact that she has XXXX, I have been her POA since XXXX and the court has not revoked my paperwork. I tried contacting XXXX XXXX by phone and by email and have not received a response on this matter. I have asked for the denial letter from the company as he stated it was not accepted and to take it back to the courthouse in XXXX XXXX and they might provide me a letter. I am requesting that this bank freeze her account due to the mishandling of her funds.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  I repeatedly attempted to get LexisNexis to delete my information, provide me a consumer report and the list goes on. I've also asked for online access and to remove a security freeze. They will do nothing. I have attached correspondence from XXXX  up through until today of these attempts with them. I want my report, I want deletion of information due to being a victim of XXXX  XXXX and I want access to my online portal. I keep providing them my id and it goes ignored. XXXX was the contact person who failed to help me. I've even sent them court documents but still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently worked with XXXX XXXX XXXX in XXXX to resolve a debt with Barclays for 50 % of the balance. The payments were made timely and as agreed. Upon the final payment my credit file was to be updated. I recently received a notification in my credit report that Barclays updated on XXXX of the balance was paid in full and has not changed the current status to paid and balance as XXXX. I have filed a dispute before and this was the update.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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
Product: Credit reporting or other personal consumer reports

On XX/XX/year> submitted dispute with Experian, in XXXX minutes came back that the information was accurate. They did not check the facts of the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Also known as XXXX also know as XXXX XXXXXXXX XXXX XXXXXXXX creditor 15 U.S.C Sec 1681i ( a ) FCRA law has been violated Every creditor and credit bureau is obligated to report complete and accurate information to the bureau each one of the report bureau reflect different information which we make the report inaccurate and incomplete which violates 15 U.S.C Sec 1681i ( a ) XXXX Equifax XXXX reports open on XXXX Charged off on XXXX and Equifax All of this information is incomplete and inaccurate you can not report this information to the bureau like this it violates the law listed above nor can u report one account multiple times via different collect names all the the account reflect the same or similar open dates and balances and limits this is incomplete and inaccurate and violates multiple of the FCRA laws 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. You guys did not fully complete an investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting multiple collections with the account numbers # XXXX, # XXXX, # XXXX, # XXXX to my credit that are past the Statute of Limitations in Utah. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.
Product: Money transfer, virtual currency, or money service

XX/XX/20. PNC is not connecting with a grant funding company and it won't allow access to grant funding. PNC claims there is nothing more they can do. Meanwhile I'm XXXX  out of grant funding for because they can't electronically transfer funds to my business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX