23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX I applied to lower my payments. My application was never processed. I was then told I needed to pay money to exit the payment program I was in which I was never asked to do. I did this and I had to reapply. This whole process delayed about XXXX months and forbearance had to be added to my account and interest capitilized. I was also told that my payment would lower based upon the information I provided over the phone. My payment did not lower. I was threatened wage garnishment if I did not pay. When I complained about how long this process took, they back dated my payments XXXX months. I disputed this and when I asked if I could afford to come up with XXXX months of payments if they could credit them as showing timely due to this poor decision, they declined and if I made the payments they would show as late. I refused until they would resolve my loan. This has caused me extreme distress especially because they call me and email me constantly advising me how late my account is showing. I was then called and told that if I made XXXX payment on XXXX, they would apply a XXXX month administrative forbearance on my account. I had no other issue because I didnt want my credit damaged but they would not reverse all of the interest that kept capitalizing. I made a payment on XXXX. I was then told they could not apply any administrative forbearance on my account and refused to give me even a regular forbearance.
Product: Money transfer, virtual currency, or money service

Went into my local Chase Bank and handed the teller a XXXX $ XXXX bill and got back XXXX $ cash and XXXX $ in quarters. In the roll of quarters was a XXXX Yen piece worth about XXXX cents. 

Called customer service and they said my complaint was noted but I needed to resolve the issue with the local branch. If a person was scamming me or others by using a foreign currency I felt they were not concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account I have disputed but it appears on my file still. The original dispute took longer than 30 days for the merchant ( XXXX XXXX XXXX ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.
Product: Credit card or prepaid card

I have had problems with some merchants in which I had to file a claim with Paypal. Paypal refuses to comply with their own policy and federal law regarding my rights to dispute a charge. Cases are being ignored and never closed and I am receiving harassing emails from the company threating to close my account and take away my legal rights to file a dispute against a merchant. I am now required to fraudulently pay for all purchases regardless of never recieving the service or merchandise I paid for.
Product: Credit reporting or other personal consumer reports

The balance on my credit report is inaccurate and needs to be updated and it is the military star card account.
Product: Debt collection

I applied for a mortgage on XX/XX/2021, and a collection for a medical debt was on my report I did not recognize. The collector reporting it is XXXX XXXX XXXX. 

I contacted this collector on XX/XX/XXXX, to attempt to get information on the nature of this debt so that I may resolve it if necessary. They were not able to locate any account under my name, address, or social security number. I even provided them the account number on the credit report and they confirmed that they are unable to locate anything, and I was advised to dispute this account with XXXX. I promptly disputed this account with XXXX, and that investigation took 30 days. The investigation concluded and XXXXXXXX XXXX XXXXXXXX validated the information as accurate. 

Now, I am unable to pay or get information on a debt that does not exist with the party furnishing the information, and the credit bureau stating that the party verified the non-existing information. I demand a thorough investigation into this sequence of events and a detailed explanation or cancellation of this from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that the following companies are reporting addresses that are not mine, I have provided a copy of my Drivers license, and these Banks have Account charged my account without sending me a 1099C Under Section 166 of the Internal Revenue Code, All debts or Accounts are charged off. Must send the consumer a 1099C which I have not received from this bank. BARCLAYS BANK DELAWARE, XXXX XXXX XXXX XXXX XXXX are bank ( as defined in 1.166-2 ( d ) ( 4 ) ( i ) of the Income Tax Regulations ) and is subject to supervision by Federal authorities. BARCLAYS BANK DELAWARE, XXXX XXXX, XXXXXXXX XXXX has elected under 1.166-2 ( d ) ( 3 ) to use the conformity method of accounting to determine when debts owed to BARCLAYS BANK DELAWARE XXXX XXXX XXXX, XXXXXXXX XXXX become worthless bad debts. 
15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports 15 U.S. Code 1681a - ( 2 ) ( A ) ( i ) 15 U.S. Code 1681a - ( 2 ) ( B ) 15 U.S. Code 1681e - ( b )
Product: Credit card

American Express had closed my account. It was sent to XXXX to handle my payment plan that started in XX/XX/XXXX and to end in a year, XX/XX/XXXX. Successful payments were made. For reasons unknown to me, and after calling on XXXX different occasions, I discovered that American Express contacted XXXX on XXXX XXXX to take my account back were they then sent it to collections. No one can tell me why this has happened since all of my payments since XXXX are current. American Express says they can not they me what happened though they are the ones that authorized the account to be returned to them and they all just refer me to the credit collectors. 
The credit collectors have no explanation except to say that American Express sent the account to them. This is means that American Express does know why and are lying to me, the consumer, when they say they do n't know. American Express violated the terms of my agreement with XXXX and made no effort to contact me when they sent it to another collection agency. American Express blamed it on the " system '' automatically sending it to collections although I was already working with another collection agency and had made successful payments with them. 
I just want to know why I was sent to another collection agency when I was already working with XXXX that was successfully withdrawing the agreed upon amount for six months to only have American Express violate the agreement I had.
Product: Credit card or prepaid card

I filed a complaint about Chase Bank, within an hour of notifying Chase bank I filed the complaint Chase blocked all my other accounts. This is a obvious act of retaliated by locking me out of all accounts and all information concerning the accounts. Chase bank gives the following reason " WE LOCKED THE ACCOUNT TO PROTECT IT FROM SUSPICIOUS ACTIVITY '' IF this is true I must know what the suspicious activity is so that I can protect myself and other accounts. I am demanding Chase bank to forward to me by USPS or email, what is the specific activity that caused them to locked me out from viewing the account information.

1,. I am specifically asking for the dates of the " suspicious '' activity 2. The type of activity 3. The IP address or location of the activity and how that differs from previous activity, If Chase refuses to forward this information then it further confirms Chase is either lying or they really do NOT care about protecting me and others from this suspicious activity, Chase is implying the only way they will discuss anything is if I call them. They do this so Chase will be the only ones controlling the evidence. They will not put anything in writing. Ask yourself this, When another entity or person refuses to put information in writing or to be transparent with information, what does that tell you? 
It is a result of the policies of Chase Bank an others that XXXX XXXX is becoming the leading candidate. People are sick of the lies, the fraud, the all around behavior of Banks like Chase, My lawyer told me to simply allow Chase Bank to continue to dig their grave, sounds lie a plan to me. It is my responsibility to share each act of retaliation or bad behavior with the public and that is what I fully intend to do. 
Thank you Chase for helping build my case, can not wait for the next round of bad behavior.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. Please remove this inaccurate information from my credit report XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX  Account Number XXXX Please remove it from my credit report. 


XXXX. I was never late on this account. 
XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Please remove this inaccurate information from my credit report XXXX XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX XXXX XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX XXXX  Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX XXXX  Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX  XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX  XXXX Account Number XXXX In addition, please remove all non-account holding inquiries over XXXX  days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I got inquiry from XXXX on my credit report..I do not have active credit card or car loan with XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I made a purchase of {$360.00} for some home flooring. The product was purchased from XXXX XXXX XXXX XXXX  ( on the credit card bill the charge appears under the name XXXX XXXX XXXX ) and I used my Bank of America credit card to make the transaction. The company ended up not having the product that I initially purchased so nothing was shipped to my home, therefore I cancelled the transaction/order with the company. The company would not reimburse me my funds and they advised me to call my credit card company to seek a reimbursement of the transaction. I called Bank of America credit card on XX/XX/18 to dispute the transaction. Bank of America informed me that they were going to investigate the situation and that I did not need to submit any documentation unless requested. They said that based on what occurred that they did not expect their to be problems with getting the transaction reimbursed. On XX/XX/18 I received a letter from Bank of America stating that I needed to submit supporting documentation for my claim by XX/XX/18 otherwise my dispute would be closed against me. Bank of Americas letter is datedXX/XX/18 and the post mark on the envelope for the letter is XX/XX/18. I did not receive the letter at my home until XX/XX/18 ( there was a long XXXX XXXX   weekend where the US mail did not operate ). It was impossible for me to respond to Bank of America because their request arrived at my home after their deadline. Immediately I spoke to Bank of America and informed them that their letter arrived late and I faxed them all of their requested documents and a copy of their envelope with the postmark of XX/XX/18. Bank of America sent me a letter stating that my dispute is closed because they did not receive the documentation on time. I called Bank of America again and they said they were not reopening the case because the documents did not arrive on time. I told them it was impossible for me to respond on time because their letter request arrived after their deadline. At this point Bank of America has refused to provide with further assistance and what they did in not providing me with sufficient time to respond to their request is truly and injustice and an abusive practice. I am attaching a copy of Bank of Americas letter, their post marked envelope, Bank of Americas billing statement, and a copy of the receipt from XXXX XXXX XXXX XXXX showing that they acknowledged that the transaction was cancelled and the product was never received by me. Thank you for your assistance.
Product: Checking or savings account

On XX/XX/25 I made a report of unauthorized transactions. I was told it would be up to 10 days before I received a provisionary credit. I then asked to speak with a supervisor because the representative that I was speaking to was unable to assist me. The representative was very rude, talked over me the entire time, and then ended the call. Immediately after, I lost access to my online bank login, I was told the investigation could take 30 days but less than 24 hours after making the claim, I was told that my claim was denied and my account was being closed. I am falling behind on bills and have not been able to even eat without access to my account or funds. I will be evicted if my funds are not returned as i rely on my income to pay my rent and other important bills. Another issue i have is that the representative with whom i made the original complaint, only listed the atm transactions as fraudulent when i selected many more. He only included transactions that were atm and more than 100 dollars,
Product: Credit card or prepaid card

I have been disputing this account listed with Citibank/Best Buy for well over a year. During this time Best Buy has been reporting a monthly charge off and a balance owed to them of {$450.00} when they have sold the account to a collection agency, XXXX XXXX XXXX. There should not be a balance on an account that has been sold to collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX XXXX- Loan Amount {$560.00}, XX/XX/2020.

# 2. XXXX XXXX -Loan Amount {$420.00},XX/XX/2020. # 3. XXXX XXXX XXXX-Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX- Loan Amount {$0.00} XX/XX/2020# 5. XXXX XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020.
Product: Credit card or prepaid card

On XX/XX/XXXX I selected an on-line option to have the balance of my XXXX Comenity credit card account automatically paid off each month on XX/XX/XXXX. I had a balance of {$280.00} due XX/XX/XXXX. When I received my XXXX statement it showed no payment had been applied, began accruing finance charges on the outstanding balance and charged by a {$28.00} late fee. I made an inquiry of Comenity Bank as to why they did not automatically deduct the payment of my balance on XX/XX/XXXX as selected. Their original response was that the on-line selection I made on XX/XX/XXXX took 11 days to process and so it wasn't reflected in time. I then inquired as to why it would take 11 days to process an on-line automatic payment selection and where was that disclosed to me as a consumer, as I assumed it would have been processed in time to post a XX/XX/XXXX payment. Then I received a response that did not address my inquiry, but rather told me I selected a {$0.00} recurring monthly payment and that is why a payment wasn't processed. I provided them a screen shot that reflects the selection was the balance of my account. I attempted to speak to a representative, but their system does not allow this to occur. It is fully automated. I closed my account as I would not do business with an establishment that intentionally attempts to defraud consumers. In closing an account with them it should be noted that that only way to receive a confirmation is through fax. I have to believe this is not legal as how many people own a fax.
Product: Student loan

I made a payment on XX/XX/23 of {$7900.00} that was supposed to satisfy my outstanding interest but it was never properly applied. When I discovered the error I was told I could request a reimbursement and have the payment re-applied correctly which I did and it was still applied incorrectly. I requested a 2nd reimbursement and again the same issue occurred. 

My next payment of {$5000.00} on XX/XX/23 was also not properly allocated. This has been the pattern for all my payments since the first payment. 

I make extra payments towards my loans with the goal of paying them off but it has been a struggle dealing with my student loan servicer MOHELA. They have made errors in allocating my payments when I have sent instructions. For example, they have erroneously put money towards the principal instead of the interest and vice versa or applied money towards loans I didn't specify when I have been trying to target specific loans. Their payoff calculator was also not working for an extended period of time, forcing me to call in order to payoff a loan. I was unable to get in touch with a representative and had to wait over the weekend as interest accrued before waiting excessively long on the phone in order to pay it off. This is poor customer service and affecting my ability to properly plan my debt repayment. They have also provided inaccurate due dates on their site and given me inaccurate information over the phone. 

For at least 3 months I have been trying to resolve the same issue with my student loan servicer MOHELA. I have sent messages and called at least 10 times and I am spending on average 1-2 hours per call. Even as I'm writing this letter I was speaking with a representative that put me on hold for at least 30 minutes and then transferred me to a supervisor I was never able to speak to as my call was dropped after waiting for an hour. 

On XX/XX/XXXX  I provided MOHELA with a detailed table showcasing how my payments should have been applied and they have yet to accurately apply my payments. I am making additional payments in order to pay off my loans and these constant errors have prevented me from making additional payments for fear of misallocation. I am also concerned that my credit report will be negatively impacted as my balances are in constant flux. 

I believe MOHELA has had enough time to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 8 inquires on my credit reports from companies i never did business or re-apply for any other services from them on my TransUnion I have 5 companies i never gave permission on did any business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX also same companies are on my XXXX XXXX, XXXX XXXX XXXX so i would appreciate your assistance in getting these companies remove from my credit report thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : XXXX XX/XX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. XX/XX/XXXXStates : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofXX/XX/XXXXwhich antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXX 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: Debt collection

THe Thomas Agency has called twice now, from an unidentified number, to leave messages stating I owe a debt to XXXX Hospital. I have verified with XXXX Hospital TWICE that there is no outstanding amount due. First the agency should not be calling from an unidentified number. I can only assume they don't want people to answer the phone. 

Secondly I have never received any written communication from the Thomas agency, only random pre-recorded phone calls that are made to my cell phone once the office is closed for the evening. 

I have twice now immediately called back only to be directed to an automated service, as the office is closed when these calls are generated. I have left messages that they are not to contact me via phone and to only contact me in writting. Additionally they need to verify what they are trying to collect with their client. 

.
Product: Mortgage

We bought our house in XX/XX/XXXX  through XXXX XXXX XXXX  in XXXX. XXXX XXXX XXXX  sold out loan to Planet Home Lending. We have had nothing but problems with this company from day one.Tried to say we were in a flood zone which we were definitely not then sent us a statement saying that we owe {$3000.00} for being in a flood zone. Called them multiple times even have proof and sent it to them they kept saying they will fix it and remove it which took months. That being said we kept getting statements in regards saying that we were delinquent we would get two or three statements a week. We even got our old lender from XXXX XXXX XXXX  to try to talk to them with us which they told her they will be fixing things. Then they did not pay our home taxes which put us as delinquent. We have got the runaround for months and we are still going through it.