23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Received 3 month XXXX XXXX XXXX to start XX/XX/2023 and made first payment XXXX, XXXX. Sent {$1900.00} to cover what I thought was {$1900.00} payment. 

Sent XXXX, XXXX  payment of {$1900.00} which was returned to my bank. 

When called to find out why was told it was cancelled. Initial reason was because payment was short {$5.00} due to error on my part. I thought the payment was {$1900.00} and payment was actually XXXX. I explained that my eyesight was really bad and that I had been ill with a severe XXXX XXXX so it was an honest mistake. I asked to immediately send them the payment back plus the short amounts for XXXX  and XXXX.

However please note the XXXX  payment in the same amount was NOT returned so i was not aware there was a problem. I didnt get a letter or a call from XXXX XXXX 

They told me I would have to send an appeal. I sent an appeal to reverse the cancellation and i called XXXX times to follow up and was told each time a supervisor would call me back and never received a callback. 

I called on XX/XX/2023 to find out if was resolved yet and was told it was denied and had been cancelled because they didnt receive the assumption package! ( Letter attached ) My attorney had sent the assumption package on XXXX XXXX ( email and docs attached ). Please note the date given for receipt of assumption package was 60 days from XXXX XXXX. 

So we actually had until XXXX XXXX to submit but they cancelled in XXXX! 

This company needs to be shut down.
Product: Debt collection

I have reached out to the debt collection agency XXXX XXXX XXXX in regard to the account XXXX and them attempting to collect a debt that is not mine. I have requested proof of ownership as well as a signed purchase agreement over XXXX months ago and they have yet to provide me with the requested information.The only information that they have supplied was a bill from XXXX XXXX XXXX which has an address that I am not associated with on the bill.I have supplied them with all of the identity theft information and they still have not removed the collection from my credit report. They are reporting a debt that is not mine and that is the result of fraud and identity theft. I have no knowledge of this referenced account, and it should be removed immediately.
Product: Debt collection

The Best Service Company - I was told to contact this company to request proof. I have contacted them & they have provided no information. FDCPA 809b requires this to be deleted until validate. I have requested validation and they have not produced it.
Product: Money transfer, virtual currency, or money service

I have a subscription to the app called XXXX, an investing app, and I can't withdraw my money from it because XXXX uses XXXX, and XXXX  doesn't work with my bank, PNC Bank. PNC Bank needs to authorize XXXX  to handle transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was granted a Covid relief program from XX/XX/XXXX until XX/XX/XXXX with XXXX XXXX XXXX. During this time, XXXX has changed service providers. I began getting notices saying my account was past due, and they would pursue legal action if the mortgage is not brought current immediately. I called and was told to disregard the notices and don't worry. Then in XX/XX/XXXX prior to me having to make my 1st mortgage payment in XX/XX/XXXX, I was sent modification paperwork to change the terms of my mortgage and roll over the forbearance months payments into the mortgage creating a new payment increase of over {$100.00}. I was ok even though I was initially told that the payments would be moved to the back of the mortgage and the payments would stay the same initially. So, I submitted the paperwork through XXXX  mail in that was sent to me, and expected to make my 1st new payment in XX/XX/XXXXXXXX. Every time I go to the new servicing website, it says I have to call because my account is so far past due from XX/XX/XXXX. When I call, the new servicer states don't worry, we are still waiting on the documents and account information from the old servicer, disregard all past due mail correspondence and it won't go against me. Then this week, I was reported more than 120 days past due to the credit agencies and my credit score has gone down over 40 points. I really keep trying to pay everything on time and communicate with XXXX, and 2 years prior to this, XXXX gave me a forbearance for 3 months and stated it wouldn't count against me because we were in a bad car accident, then it went on my credit as a negative mark anyway. I filed a XXXX XXXX XXXX  dispute and the CFO of XXXX supposedly said they would never say it wouldn't go against me and they wouldn't agree to this during that time of my car accident. I gave up because I just wanted to get away from this mortgage company. This time I have the paperwork that states what they agreed to with this Covid relief plan they offered me. I am trying to get away from this company and find a new one and they keep putting negative marks on my credit so I am stuck with them. Can someone please help me, I am a healthcare worker with a XXXX wife and daughter that is fighting for my credit to be accurate and nobody is helping me.
Product: Credit reporting or other personal consumer reports

While checking my credit report a few months back, I noticed errors concerning the account for CAPITAL ONE ( XXXX ) and XXXX ( XXXX ). This is a violation of my rights. I contested these errors with the three credit bureaus and the creditor, yet I received only vague responses. Therefore, I am submitting this complaint based on my research. The company is in violation of sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to your recent communication regarding the debt collection for my account under the name of XXXX XXXX with the account number XXXX. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Specifically, I am requesting the following information : The amount of the debt owed The name of the original creditor The date of the last payment made towards this debt Proof of your authority to collect this debt Please note that until I receive the requested information, I am unable to determine the validity of this debt. Furthermore, I dispute the debt for the account number XXXX on the basis that it has been legally paid in full for less than the full balance. 

I also dispute the debt for the account number XXXX on the basis that it is seriously past due date and has been assigned to an attorney, collection agency, or credit grantor 's internal collection department. I request that you cease all collection activities until the requested information is provided and the validity of the debt can be determined. 

I would also like to request that any communication regarding this debt be done in writing, and that you cease any phone calls to me regarding this matter. Please be advised that any further contact that does not comply with the FDCPA will be considered a violation and I will take appropriate legal action. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint to the CFPB for the same issue. You keep closing the complaint without ( apparently ) even reviewing the response from Experian. This is the same problem that has never been resolved. 

THEIR ONLINE PORTAL DOES NOT RECOGNIZE MY ACCOUNT/EMAIL SO I CAN ACCESS THE ACCOUNT.
Product: Student loan

I was advised in XXXX by FedLoan Servicing that if I continued having financial hardship for 5 years straight that my loan would be forgiven. In XXXX, I received notice that my student loans had been added to a class action lawsuit out of California and I had to complete necessary paperwork to continue to be added to this suit. I did that. Then I was advised that my schools where closed and I would be forgiven for that reason. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  ) Then I received a message from FedLoan Servicing stating that I had been awarded to have my student loans forgiven as of the XX/XX/XXXX class action lawsuit and that the loans would be removed with 12weeks. Well, it has been over two years and still nothing has been done. Now, when I call FedLoan Servicing, depending on who I speak to they tell me, that my loan has been pushed out into some status until XXXX to give them time to get it cleared off my credit and another person will say they are not responsible for the clearing that the Department of Education is responsible for clearing this debt. No one is taking care of the matter and all I am being told is lies and deferments. 
I am a veteran, I went through XXXX years of XXXX XXXX  and inability to XXXX XXXX XXXX because of issues from XXXX XXXX XXXX XXXX that still no one wants to own up to. To have this is just an insult to injury. I have taken every step that I was asked to do and I expect FedLoan Servicing and Department of Education to do the same. Thankfully, nothing has ever been reported that I was in default on my loans but to still have this debt over my head from institutions that I can not even have/ show credit of education from is not fair. It is as if I spent all these years in school only to have no proof other than XXXX in debt that was to be removed and still has not been removed.
Product: Checking or savings account

my personal account was closed without notice and without cause. I spoke to everyone at the bank that i could reach, but no one can tell me why my account was closed and why i was not notified. 

I found out my account was closed when my transactions started to get returned. 

And now, they will not let me withdraw the money. they said I have to wait till I receive a letter and can not tell me when and how I can withdraw my money. 

this can cause a customer a great deal of harm. I can not use my funds and have all sorts of running expenses to support a family.
Product: Credit card

On XX/XX/2023, I charged {$4400.00} to my Citi credit card. I already had a {$1500.00} balance at 6.99 %, a {$370.00} balance at 5.99 %, and a {$2600.00} balance at 0.00 %. I accepted an offer to finance the {$4400.00} at an APR lower than the standard APR of 19.24 %, which I believe was 8.99 %. Later, I received an insurance reimbursement for {$4400.00} and wanted to pay off the latest offer. I called Citi, and I was told that they could not direct the payment, but the highest interest rate would be paid off first according to law. Since the balance of {$4400.00} had the highest interest rate at 8.99 %, I thought it would be paid off first. 

Instead, the payment XXXX out {$2600.00} balance transfer at 0 %, the {$370.00} balance at 5.99 %, and the {$1500.00} balance at 6.99 %, leaving behind a balance of {$4100.00} at 8.99 %. I believe Citi has broken the law by paying off the debts with the lowest interest rate.
Product: Credit reporting or other personal consumer reports

I submitted a credit repair request to a company, but they still failed to respond within the XXXX0-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my XXXX  written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your XXXX  investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. Account Number : XXXX XXXX  XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX this account. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX, SC XXXX there is some inaccurate information reporting, delete this account. 
XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Delete this account. 

I have been in communication with the companies for a YEAR about the errors on my account, i am highly considering a lawsuit if these accounts are not deleted immediately!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the account listed below, which remains on my credit report despite my request for investigation. I am requesting an immediate reinvestigation of this account under the FCRA ( Public Law 91-506, Title VI, Section 611, Subsection 1-D ). The continued reporting of this account with inaccuracies is causing severe harm to my credit score.

As part of this reinvestigation, please provide me with the names, addresses, and contact details of each individual or entity you used to verify and validate this account, so that I may follow up accordingly. Additionally, I request an updated copy of my credit report once the investigation is complete. 

- **Account Name XXXX XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX Please ensure you comply with Section 611 of the FCRA, which mandates that inaccurate or unverifiable information must be removed from the consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Fraudulent Account : XXXX XXXX XXXX XXXX  Account # XXXX Fraudulent Account : XXXX XXXX XXXX : Account XXXX XXXX  Fraudulent Account : XXXX XXXX XXXX : Account XXXX XXXX  Fraudulent Account : XXXX XXXX XXXX Account # XXXX Fraudulent Account : XXXX  XXXX : Account XXXX XXXXXXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. The fraudulent information has impacted my credit report, causing considerable psychological stress. I request assistance in investigating this matter and taking the necessary steps to resolve it promptly. Please inform me of any actions required on my part in response to this dispute. I am aware of my rights under federal laws relating to credit reporting and identity theft. Failure to act in accordance with legal obligations will force me to get an attorney.
Product: Checking or savings account

On XX/XX/2023, I received a text from BankMobile XXXX XXXX asking me to verify a charge on my debit card. I did not recognize the charge and logged into my account to find that several charges had been made overnight to XXXX that I had not authorized. Charges in the amounts of {$21.00}, {$100.00}, {$39.00}, and {$39.00}. I responded that I had not authorized the charges and was called by a representative of BankMobile. All she said was that she confirmed that I didn't make the charges and that I would have to call customer service about cancelling my card and getting reimbursed. I called the customer service number and was transferred twice. The XXXX person I spoke with said I couldn't do anything about the charges until they had fully cleared my bank account, but the money was considered gone and I could not access it. I asked her to cancel my card and that I wanted to speak with a supervisor. She told me that there was no supervisor to speak with. After several minutes of back and forth, she transferred me to " Rain '' who said he was a supervisor. He asked me if I wanted to cancel my card, which I had already asked three separate representatives to do. I was then told that I couldn't use the money, but couldn't refute the charges until they had fully cleared. He said I should just call XXXX and contest the charges with them because it would be easier for me to do it instead of them. I was traveling across the country at this time and was unable to use my debit card and had money stolen from me, but they said nothing could be done for at least 5 days. When the money was officially taken out of my account a few days later, I filed claims against each charge. I received an email that it would take the institution 10 days to investigate. It is now XX/XX/XXXX and I have not received reimbursement nor have I received any correspondence from BankMobile. I have tried to contact them a couple times via email to no response and tried to call again, but was put on a lengthy hold and never reached anyone. I have never had a financial institution that does absolutely nothing when their clients have money stolen from their accounts - then makes them jump through hoops to get their money back. I will be finding banking elsewhere, but I need my money to be reimbursed. It should not take over 3 weeks to get my money back.
Product: Mortgage

I submitted a payment for my interest only mortgage for XX/XX/2020. Instead of my regular payment amount of {$1300.00} being debited, Bank of America debited {$2600.00} and applied half to principal. I dont understand why they did this. 

They have no responded to my secure messages and I can't get anyone on the phone because wait times are over 90 minutes long. I have also asked to be removed from my deferral payment plan and put back on my regular monthly payment plan as it is very confusing on how to pay my regular bill at this point and have received no response.
Product: Debt collection

In 2014 I identified fraudulent activity on my credit. I submitted complaint to FTC ref # XXXX, CFPB complaint as well. I am continuing to get notifications regarding this incident from XXXX ref # XXXX as well as Orion Portfolio Services ref XXXX. This is all in reference to a fraudulent account opened with XXXX ref # XXXX. I though this was all resolved, 9 years later still haunting me.