23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called Aidvantage on XX/XX/22 to request a payment refund and my loan re-instated ( since it was previously paid-in-full ). I was given a timeframe of XX/XX/22 for the refund request to be approved, my loan account being " revived '', and being able to see my balance updated on my Aidvantage account online. Within 4-6 weeks from XX/XX/22 the balance would be updated on XXXX, would be sent to the Treasury XXXX for a refund, and the Treasury XXXX would send a direct deposit to the account the refunded payment originated from. 

On XX/XX/22 I called Aidvantage and they stated that there is not an approval as of yet. There are also no estimates or timeframes for when this will be approved and the loan re-instated and balance updated on Aidvantage will be done. The rep said it may be another 4-6 weeks to see the balance updated. ( At this point, it is 12 days past the XX/XX/22 date provided for seeing the loan balance updated on the Aidvantage website. Based on the rep 's suggestion, by the time I see the balance updated on Aidvantage 's website it would be 40-54 days past the original estimate of XX/XX/22. ) On XX/XX/22 I called Aidvantage to see if the refund is now approved. The representative stated they actually don't do approvals anymore, and they stopped requiring approvals prior to when I made my original request on XX/XX/22. However, there are not any notes that it is denied or further information is needed. This feedback is different than the feedback I received in the first 2 calls. The rep stated I may see the balance updated by the end of next week, but did clearly point out he was not certain and it may be different. ( At this point, it is 14 days past the XX/XX/22 date provided for seeing the loan balance updated on the Aidvantage website. If the rep 's estimate is accurate, when I see the balance updated on Aidvantage 's website it would be 21 days past the original estimate of XX/XX/22. ) As of today, I am getting conflicting information on if this is sitting somewhere waiting for an approval or not, and different estimates on timeframes. The estimates for just seeing the balance updated on Aidvantage 's website vary wildly and are extremely conflicting.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against my mortgage company, New Rez, regarding what I perceive to be deliberate stalling tactics in the release of Private Mortgage Insurance ( PMI ) from my mortgage. My efforts to resolve this matter directly with New Rez have been met with frustration and concerning conduct that suggests potential misrepresentation and unethical practices. 

I initiated the PMI release process in late XXXX XXXX XXXX  and have made numerous attempts to communicate with New Rez. They insist on conducting a home evaluation, for which they demand a fee of {$190.00}. I find this requirement to be baseless, especially considering that the XXXX XXXX XXXX XXXX has already established the Assessed and Taxable Value for the 2024 year at {$350000.00}. The equity in the property significantly exceeds the remaining mortgage balance of {$160000.00}. 

To add to these issues, upon thorough investigation and consultation with all four tenants residing on the property, it has become abundantly clear that no broker had been denied access to the interior of the home. All three tenants unequivocally deny engaging with any broker or providing access to the residence. Upon contacting NewRez on XX/XX/XXXX, I asked for the specifics in regards to the alleged broker visit and she said she did not have access to names or dates but I could submit my request through their website. Which I did, and had zero response up to today. 

Several additional concerns compound this situation : The property is a rental, and had New Rez contacted me beforehand, they would have been aware of this fact. 

The unannounced visit is not only unprofessional but also violates basic principles of privacy and property rights. Landlords are required to give legal notice before entering a residence, and mortgage companies should adhere to the same standard. 
Expecting individuals to be available during working hours for unannounced visits is impractical and unrealistic. 

To compound the matter, New Rez took the liberty of returning the check without engaging in any prior phone conversation. Now, they insist on restarting the entire process, causing further unnecessary delays and inconvenience. 

This alarming combination of potential misrepresentation, unethical practices, and unprofessional conduct raises serious questions about New Rez 's integrity and adherence to industry standards. I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into these allegations and intervene to ensure fair and ethical practices within the mortgage industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information 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
Product: Debt collection

I have been made aware that XXXX XXXX XXXX XXXX  still has a closed account listed on my credit report, and also have listed the same account with a credit report. It is a violation of my rights to have duplicate accounts on my credit report. 
The credit agency is LVNV and the amount listed is {$600.00}. 
They are also in violation for reporting inaccurate dates ; they are saying this was opened XX/XX/2022 and that is a blatant lie, it is much older and nearing the statute of limitations in my state. They are also listing this account as having an open balance which is a violation in itself as there can not be an account in collections with an outstanding balance.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed some inquiries that I did not authorized.
Product: Credit card or prepaid card

Item purchased at whats was supposed to be sears outlet store that belongs to sears at XXXX XXXX XXXX XXXXXXXX XXXX il XXXX to find out this is not sears. I used my sears credit card on this purchase but i never received the item. they could never deliver it when I set time to be at home, I have not received anything so i cancelled order. But I have paid my sear credit card for the item in full. I cant get my money back from the credit card or the store when they have not and did not deliver the item and i cancelled the order and paid for delivery.
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit report. This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history.

Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter.

I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my disappointment, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX Balance Owed : {$24000.00} ; 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to investigate credit inquiries not authorized by me these credit inquiries are lowering my score and XXXX refuses to investigate, stating that inquires are a matter of factual data XXXX states that creditors have the right to view my credit without my authorization and affect my credit score and  there is nothing I can do about it
Product: Payday loan, title loan, or personal loan

I took a loan out with Synchrony Bank for a air conditioner back in XXXX of 2019. My first payment was due on XX/XX/2019. I paid that payment on time. Come XXXX and I paid on the XXXX of XXXX. I did not know this company has no grace period. It is due on the XXXX of every month. I did not find this out until XXXX when I called the company to find out why I was getting late fee charges. Then I find out yesterday that not only am I getting charged {$38.00} late fee past the XXXX of every month but I am getting charged a extra {$2.00} for interest on the late fee which means every time I am late I have a {$40.00} late fee past the XXXX of every month. I have tried to speak with the bank but their English is very hard to understand. I do not think these late fees are very fair nor did I know I would get hit with them and a " interest '' late fee as well. And no grace period. This was not explained when the loan was taken out. They did waive 2 late fees for me within this time period but these will be the last fees waived due to bank having a limit on waiving them.
Product: Credit reporting or other personal consumer reports

Per my state and the applicable federal reporting laws and standards for compliant reporting of physically verified true, accurate, complete, timely, validated claim ( s ) that are equally properly certified compliantly reported is the MINIMAL CRITERION FOR REPORTING or which is NOT AN OPTION but rather a REQUISITE to report LEGALLY! 

I here again DEMAND that you are LAWFUL in reporting ONLY CLAIMS that are documented and demonstrated as CERTIFIED COMPLIANT in the reporting of ONLY factually true correct complete timely physically verified valid claim ( s ) that equally are certified compliant in its processes of reporting and investigations even to the mandated perfect and complete CERTIFIED COMPLIANT METRO 2 FORMAT REPORTING STANDARD ( s ).

Any deficiency of reporting INCLUDING proof of such invalidates REPORT-ABILITY of any injurious allegation ( s ) contested by an injured consumer and THIS LETTER is my official WRIT NOTIFICATION of CHALLENGE so REMOVE FROM REPORTING any derogatory claim now and permanently please to return to and retain required compliance of reporting status, which you MUST DO! 

ADDITIONALLY, this letter is your OBVIOUS formal notice to Cease and Desist all collection activities in regards to the above titled Inquiry, specifically because the reporting of claim ( s ) was a part of the collection action thereby if a part is spoiled the whole is as well! 

As your firm is well aware I have LEGALLY exercised my rights by disputing the validity of this application/inquiry that I have NO knowledge of its proven document of adequately acquired lawful permissible purpose and I can not assume it is legitimate otherwise. 

I have in writing and by phone demanded that you provide documented validation to me of claim ( s ) and the proof of certified compliant reporting such as to the mandated Metro 2 format standard ( s ), instead you have ignored my demands. By ignoring my legal validation request of claim 's verifiability of certified COMPLIANT METRO 2 FORMAT REPORTING and truth accuracy and completeness of validity otherwise your firm is in direct violation of the FDCPA and FCRA.

Since your firm has knowingly violated both federal and state law, I am demanding that you CEASE all reporting activities IMMEDIATELY! Stop at once reporting the debt in question to any and all Credit Report and delete it from my credit report at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid down these accounts XXXX I have disputed all of them on XXXX, XXXX XXXX has updated, but did not reflect on the other two credit bureaus. 

XXXX  XXXX reported balance is XXXX actual balance is XXXX XXXX reported balance is XXXX actual balance is XXXX Chase reported balance is XXXX actual balance is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

regions pulled my credit twice in 3 days is a violation of the fcra XXXX  XXXX pulled my credit twice same day
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an old address and has not removed it. This address is 5-6 years old.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, INC. ) due to an inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. XXXX. 
On XX/XX/XXXX, after checking my credit reports mailed an investigation letter to each credit, XXXX, XXXX, and Experian regarding account XXXX XXXX XXXX Account Number XXXX. And to XXXX again for account XXXX Account Number XXXX asking them to investigate and verify these 2 accounts. 

On XX/XX/XXXX, I received the following letter from Experian with XXXX XXXX XXXX Account has been verified and still reporting on my credit report with no justification/proof this is my account. 
On XX/XX/XXXX, I received notification from XXXX that since they received my letter on XX/XX/XXXX, they needed until XX/XX/XXXX to complete their investigation. 
To date, I have not received any correspondence from XXXX, they couldn't even be bothered to respond. 

I just pulled another copy of my credit reports and it is still showing these inaccuracies. 

15 U.S.C. q681s-2 ( A ) ( * ) 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

I have made several attempts to dispute accounts reporting on my consumer report that do not belong to me. These fraudulent accounts are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts, I did not open these accounts, and I have never resided at the address listed on these account. It is very clear that the companies opening these accounts as well as the CRA 's are not taking the proper procedures to verify identification and is essentially assisting the thief in identity theft. I have resided in the same home with the same phone number for the last 39 years and any business I conducted should be attached to that information only. Anything else is fraud I have filed my FTC report and if these accounts are not removed I will file suit. I know for a FACT none of these companies or CRA have verified the consumers identity and won't be able to stand a chance in court. This is my final demand for permanent block and removable of these fraudulent accounts from all major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite two written requests and a fraud alert placed on my reports with XXXX and Experian, fraudulent unverified items still remain on my credit report in violation of Federal Law. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they have verified that these items are being reported correctly. I've contacted the creditor and the 2 credit bureaus with no success with getting. XXXX, XXXX and XXXX XXXX are still being reported but have yet to provide me with PROPER documents validating my ownership of these account.They have NOT provided me a copy of any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Iam just receiving validation of an existing debt. It does not prove ownership! These account are not mine but continue to be reported on my credit reports. I was told by a fraud rep at XXXX that she could not provide me with any information received by the creditor used to validate or verify this account. It is hurting my credit and a consumer i know my rights and i feel they are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I submitted a letter to Trans Union concerning XXXX XXXX  account # : XXXX. I received a letter from Trans Union on XX/XX/2019, File # : XXXX, stating the disputed item was deleted from my credit report. Shortly thereafter I received a credit report from Trans Union on XX/XX/2019, the deleted item was reinserted back on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Trans Union is required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( a ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I DID NOT receive NO such notification! This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their disregard for the law. 
I DO NOT consent for Trans Union to use XXXX or any other automated verification with this matter. 
I never receive anything in writing from Trans Union concerning the reinsertion.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : 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  Credit Unions XX/XX/XXXX XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Money transfer, virtual currency, or money service

I have drafted the following timeline of my entire Coinbase history. Please see the references below. 

Overview : On XX/XX/2021 at XXXX PM : I deposited {$24000.00} on Coinbase Pro. 

On XX/XX/2021 at XXXX AM : I made a {$5000.00} purchase of Bitcoin on Coinbase Pro. This resulted in a {$19000.00} USD and XXXX XXXX balance in my portfolio on Coinbase Pro. 

On XX/XX/2021 at XXXX PM : I made a withdrawal of {$1000.00} USD on Coinbase Pro. This resulted in a {$18000.00} USD and XXXX XXXX balance in my portfolio on Coinbase Pro. 

Fraudulent Activity Timeline : On XX/XX/2021 at XXXX AM : The hacker withdrew the entire total of XXXX XXXX ( value of {$6300.00} USD ) to the following Destination Address : XXXX On XX/XX/2021 at XXXX AM : The hacker transferred {$18000.00} USD from Coinbase Pro to Coinbase. 

On XX/XX/2021 at XXXX AM : The hacker made a {$18000.00} USD purchase of Bitcoin on Coinbase, resulting in a Bitcoin balance of XXXX. 

On XX/XX/2021 from XXXX AM to XXXX AM : The hacker unsuccessfully attempted XXXX transactions that were all canceled. 

On XX/XX/2021 at XXXX AM : I called Coinbase and locked the account for suspicious activity. 

On XX/XX/2021 from XXXX AM to XXXX AM : The hacker successfully completed 127 transactions, resulting in a Bitcoin withdrawal of XXXX ( value of {$6400.00} USD ) to the following Destination Address : XXXX Conclusion : The total amount of Bitcoin that was stolen was XXXX ( i.e. XXXX + XXXX ) ; In USD, this was a total value of {$12000.00} ( i.e. {$6300.00} + {$6400.00} ) The remaining balance in my portfolio on XX/XX/2021 was {$90.00} USD and XXXX XXXX on Coinbase. 

I would like an explanation on how I locked my account on XX/XX/2021 at XXXX AM and the hacker was successfully able to complete 127 transactions, resulting in a Bitcoin withdrawal of XXXX on XX/XX/2021 from XXXX AM to XXXX AM.
Product: Student loan

FedLoan servicing has miscalculated my payments. I only have 55 eligible payments for forgiveness when I should have at least 64, if not 76. I turned in my annual certification for my employment on XX/XX/XXXX and it has not yet been processed. That is over 60 days ago and this is not acceptable. Payments after my grace period are not counted. I should only have 24 additional months not counted due to deferment. This company has failed numerous times to communicate with me on these accounts. When I submitted a request regarding missing payments, I was told that it was because of deferment. I used my deferment periods in XX/XX/XXXX-XX/XX/XXXX. My grace period ended in XX/XX/XXXX. Payments from XX/XX/XXXX-XX/XX/XXXX are not being counted. Please investigate this. This is not the first time I've filed a complaint on this servicer.