23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been paying my student loans on time always for years and one of my loans has gone down {$10.00}. I was never offered any assistance with how to manage loans or income dependent payments. I was also wrongfully listed as in forbearance against my will. I called in asking how to lower my interest rate and the representative said to have it reviewed I can not be current in my payments and she stopped my auto debit which I have had in check for 8 years now. I received notification that my loans were in forbearance and called immediately and no one was able to help. Finally one department said they needed to deposit {$1.00} to deactivate my auto debit. It was an awful experience and I was promised everything was resolved and I was never in forbearance. Fast forward a few months I call to release my brother a cosignor and was told I could not because of the forbearance listed on my account. I explained the situation and no one has any notes of anything. I would love for any phone calls to be reviewed to see the error that was made as they imposed this forbearance on my account that was never requested. I have been paying as much as possible since 2009 and the loans do not move. The interest I pay is through the roof and I receive practically nothing back at income taxes because I am XXXX and have no deductions to claim. Anytime I ask for assistance from Navient they have no options available.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX it's been 60 days and they haven't responded, this affects accordind to the law section 611 they must remove evrything that is not verified from my credit and i am a victim of equifax data breach XXXX on XX/XX/year> i sent a letter regarding inaccurate and unknown things on my report its been mor than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed. from my report as per FCRA section 611A. 
I surely was a victim of the equifax date breach.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number XXXX XXXX Account name :  XXXX XXXX XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Student loan

Greatlakes is representing their lender in managing my private loan and they constantly harassing me and the cosigner. I 've submitted letters asking for a lower payment because I can not afford to pay back over {$700.00} per month. They refused to work with me and issued blanketed statements such as private loans are not eligible for income-based repayment. I did not ask or apply for such a thing and this is utter nonsense as other institutions have options to lower payments for private loans. I presented the situation that I 'm unable to make payments in full and would need it lowered. I do not plan on defaulting the loan that 's why I asked for help. They refused to go back to the lender and work with them to find a solution. They would call and harass me daily without providing a solution. I ask that CFPB step in to find me a solution. They 're damaging my credit by keep reporting late payments without providing a satisfactory resolution. This is modern day discrimination and we need to escalate to the highest level.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account NoXXXX has violated my rights -- see XXXX references below XXXX ( Client account number is XXXX. ) 15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 604A, Section 2 states that a consumer reporting agency can not furnish an account without my written instructions and consent. 

Therefore, XXXX XXXX XXXX XXXX has violated my right to privacy by furnish my account info without my written instructions and consent. 

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

15 USC Chapter 41 subpart II-A section 1679c. ( a ) Disclosures states that any credit repair company has to issue a disclosure statement It provides that : Consumer Credit File Rights Under State and Federal Law " You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any 'credit repair ' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. ' The information being reported on my credit report by Equifax and XXXX XXXX is over 7 years old. It is not a bankruptcy. I want this item removed permanently. I've already reported to CFPB once and nothing was done. I will continue to fight this. Again, Equifax is only doing this because I am a person of XXXX.
Product: Money transfer, virtual currency, or money service

Made a sale via the paypal platform for {$150.00} on XX/XX/2019 buyer desputed transaction and made a chargeback i desputed and won the despute and reversed chargeback then paypal closed my account and placed a hold for 180 days 4 moths has past and talked to paypal over phoneXX/XX/19 and told them i need to withdrawal my money asap ... ..i came thrugh on my end shipped and all that and i won the chargeback despute its done case closed i waited enough i need my money its mine i need it
Product: Checking or savings account

This is a complaint about Bank of America ( BOA ) and their customer service. I am writing to request the proper process of my deposit {$1800.00}, my money {$5600.00} they put on hold, and apology from the customer service. 

On XX/XX/2022, I deposited {$1800.00} of a check with total amount {$5600.00}. I got the deposit {$1800.00} on the same day, with another transaction called " Bank Adjustment '' with amount of {$3700.00}, which is the rest of the check. Then, on the same day, Bank of America ( BOA ) took {$5600.00} from my checking account. 

In the morning of XX/XX/XXXX, I received an email from BOA saying my available account balance is low. I logged into my account and found they put {$5600.00} hold on my account. That's on top of the {$5600.00} BOA took from my account on XX/XX/XXXX. 

I called the customer service at XXXXXXXX XXXX in the morning of XX/XX/XXXX, and explained what happened. The customer service claimed the {$5600.00} they put on hold is from the check. I further explained several times to XXXX XXXXXXXX clearly didn't understand anything and then hang up my phone call without saying anything when I was talking.
Product: Vehicle loan or lease

In XX/XX/XXXX, I received a bill from Chase Bank for XXXX XXXX   property taxes on a XXXX XXXX - leased XXXX from Chase bank. The issue is I moved to XXXX in XX/XX/XXXX and had turned in the vehicle to a XXXX dealership in XX/XX/XXXX in XXXX. The payments were finished ( Chase simply stopped charging my account ). I was then driving a new vehicle. I called about the bill ( around {$300.00} ) and they said it was their mistake. I am at work now however getting calls about this so I needed to document this here. I have paperwork at home. 
*I received another letter less than a month later, requiring proof of the title being turned in. The title was never mine, it was Chases, so I never had a title. How could Chase bank ask me for that? I told Chase bank I gave all paperwork to the XXXX dealership. I was asked to track down the dealership to see if they still had things in the glove compartment, mind you its the month of XXXX, and I turned in the car in XXXX, and honestly don't remember where the dealership was. *Chase bank was privy to the same information I was about my payments being stopped in XXXX and not owing on XXXX or XXXX XXXX  property taxes. *I provided them with the registration of my new vehicle and the registration for XXXX for the subaru. 
*I am now getting telemarketing calls daily to extend my warranty on the XXXX XXXX ( which I turned in XXXX ). I haven't received these since XXXX. They are local calls and I can not answer my phone now. I've registered for the DO NOT CALL LIST which hasn't helped.
Product: Mortgage

LoanCare is not mailing periodic statements for months, at least since XX/XX/XXXX but I believe longer. Nor have I received my year end tax forms ( this may still be excusable given the proximity to XX/XX/XXXX ). I have  verified online that they have the correct address for me. I have verified I am not enrolled in online statements. I contacted them via their contact us feature on their website XX/XX/XXXX and their only response is below. I have tried to call during business hours and are repeatedly disconnected by their phone system with a message that it is not during their business hours ( I am calling after XXXX EST ). I expect paper statements mailed to me and I expect a refund of the fees I am paying them for online/phone payments when I don't have a statement to mail in with a payment. I get that as a borrower I do not get to select my servicer but I expect they comply with federal requirements to provide a periodic statement via mail unless I select other delivery options. I expect to receive a XXXX in the mail postmarked XX/XX/XXXX and delivered before XX/XX/XXXX. I personally think they keep the fees from processing online/ pay by phone payments and are leaving their borrowers no other option to make payments increasing their profits. My understanding is they are a debt servicer and I doubt that the owner of my mortgage knows that they are not carrying out their fiduciary responsibilities as a servicer. Below is my attempt to contact them a month ago and the only response I received from them Customer Service <XXXX> XX/XX/XXXX to me Dear 'XXXX ', Thank you for contacting your loan servicing team! 

We have received your inquiry and are assigning it to the appropriate department where your request will be thoroughly reviewed and handled. Please utilize the ticket number provided which begins with the letters XXXX for any further communication relating to your recently submitted email request. 

Please note : duplicate inquiries may prolong your time for resolution. 

Your reference/ticket number is XXXX. 

XXXX Your Inquiry ====== XXXX XXXX XXXX XXXX Morning ( XXXX ) XXXX Payment/Statement Inquiry According to the TILA I am to receive regular and accurate statements via mail unless I have requested otherwise. I have not been receiving statements in the mail and expect this corrected immediately. My mailing address is correct on file and this will be reported if not corrected.
Product: Debt collection

XXXX listed a fraud account same service address:XXXX XXXX XXXX XXXX California twice the first time with a collection agency XXXX XXXXXXXX XXXX. I filed a police report. I filed a cfpb report. I never lived in California. XXXX was supposed to correct the collection agency, and have my XXXX Report corrected. I thought it was over. I was wrong. XXXX assigned an account with another collection agency, Waypoint and they reported it to XXXX who alerted me on XXXX. I contacted this Waypoint who supplied me with the service address XXXX XXXX XXXX XXXX California XXXX. I called XXXX and asked them to fix this they gave me a very hard time. Please help me. This has to stop.
Product: Mortgage

My loan payment has gone from {$2100.00} per month to $ {$2200.00} per month to {$2400.00} per month in a year. While mortgage rates range 3.4 % to 3.75 % my rate as gone from 3.75 % to 4.75 % in less than a year and is scheduled to go to 5.00 %. In the meantime I have applied for Home Financial Assistance and Modification based on increasing unaffordable payments as well as becoming unemployed XXXX 2016 and beginning to suffer unforeseen illness and mounting medical expense as of XXXX 2016. The bank per attached letter has denied modification options and escalated a notice of forced short sale in no more than 45 days. However as of XXXX 2016 my loan is current based on the following. per the bank they hold {$820.00} in unapplied funds and in XXXX I made payments of {$2200.00} and {$1200.00}. the combination of the unapplied funds and my payments total {$4200.00} and cover any amount considered past due as of XXXX 2016. I request bank credit and apply unapplied funds as well as my payments listed here, and acknowledge doing so, and acknowledge that as of XXXX 2016 my loan is current. I request bank cease and desist from force 45 day timeline for forced short sale because the loan is current as of XXXX 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the following has violated my rights. All three credit bureaus have a XXXX year freeze on my credit report impeding any new attempts to establish new credit files. The freeze placement was put in place by myself for protection. Following inquires were not filed under me and caused for fraudulent activities. Formal complaints have been made and the following bureaus must remove these fraudulent attempted inquires. 

XXXX XXXXXXXX -XXXX This is frustrating and impedes the process to financially prosper. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Attached is a copy of my credit report information associated with the following accounts that are marked to noticeably validate my findings.
Product: Credit reporting or other personal consumer reports

Ensuring punctual payments, I have never experienced delays on this account. I'm unsure why there are indications of late payment remarks on my accounts.
Product: Debt collection

I had a contract with XXXX. I left XXXX and owed them a balance of {$650.00}. They turned it over to XXXX for collections. I agreed to settle this debt for {$500.00} due on XXXX XXXX 2016 which I paid in full and even have a letter stating that. Now I am receiving calls and letter because XXXX turned in the remaining {$150.00} into another collection agency. XXXX also called me and harassed me and said I owed money. Like I said I have a letter stating the account was settled. I do n't appreciate the harassing calls and letters.
Product: Debt collection

I was a victim of identity theft and as a result an account was placed in my name for a company called XXXX XXXX. I filed a police report years back when I found out about the account. However, a company by the name of LVNV Funding/ Resurgent appears on my credit in this regard. I have sent several letters/disputes to the company and they have gone unanswered and the fraudulent account still remain on my credit. 

The company also has several addresses. I have sent letters to the XXXX XXXX location and the XXXX TX location. I will be reaching out to the attorney general office and the FTC today. I want the account removed from my credit and their database. they never contacted me before placing the debt on my credit Account XXXX XXXX
Product: Debt collection

I was notified by Midwest Recovery Systems, LLC. of a debt of {$1700.00} forwarded to their office for collections by XXXX XXXX XXXX for collection of debt. The referenced debt is for professional medical fees generated by an emergency admit ( dos XX/XX/2014 ) to XXXX XXXX Hospital which is a VA approved medical facility. All entities was billed and processed for payment except it seems for the original provider XXXX XXXX XXXX XXXX. The claim was resubmitted to XXXX XXXX Billing Dept. and  processed for payment. Attached are the explanation of benefits and a letter from the Veterans Administration informing the various entities that the payment received represents payment on full for services rendered. I am a XXXX XXXX veteran listed as XXXX XXXX XXXX and as such I do not generate any patient financial responsibility for claims generated by any VA facility.
Product: Mortgage

XXXX posted the video in regards to the CARES Act that the CFPB made. It mentions to ask 3 questions to the mortgage company in regards to Forbearance due to COVID. When I ask them how am I to pay back the forbearance they told me they would tell me XX/XX/XXXX. How can I commit to miss 3 months of payments without knowing the term of the missed payments. I have spoke to them on the phone and requested for the terms to be emailed to me. They have declined to send me the terms of my forbearance but only send the definition of forbearance. I would like to know the terms in which I am held to. They will not answer the questions within the video.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX of XXXX, I attempted to have items that I observed as incorrect ; corrected or removed from all three ( 3 ) credit reporting agencies. XXXX and XXXX has since updated the information in question however Equifax has yet to update the information correctly or remove said information in its entirety. The information is as follows : XXXX XXXX # XXXX EQUIFAX reports account as a charge off. This information is incorrect since the account has been reported as Paid off and subsequently closed. 

XXXX XXXX XXXX  : # XXXX This account also reflects a " CHARGE OFF '' when in fact this account was also declared " PAID OFF FOR A SETTLEMENT AMOUNT ''. 

See the attached credit reports reflecting the inconsistencies between the XXXX and XXXX reporting similar information and EQUIFAX reporting incorrect information. 

The following credit reporting agency, EQUIFAX, is not in compliance with the Fair Credit Reporting Act 15 U.S.C 1681. 
As described by the following : ( p ) The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information.

( 2 ) Credit account information from persons who furnish that information regularly and in the ordinary course of business.

in addition : 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Money transfer, virtual currency, or money service

I had sent my friend {$100.00} on the cash app today, but it wants through on my end, but she told me she didn't get it, and it was failed on her end, and I was billed for the payment by my bank. Please help me with the receipt identifier is # XXXX. My cash app is XXXX XXXX, and my bank proof is INFORMATION Description CASH APP*XXXX  XXXX XXXX CASH APP*XXXX Type Debit Card Withdrawal Status Posted Amount - {$100.00} Previous Available Balance {$1100.00} Posted Date XX/XX/2020 Card Ending XXXX Category Communications/Telephone my email is XXXX, and her cash app is XXXX XXXX
Product: Checking or savings account

On XXXX/XXXX/2022, XXXX XXXX, Branch XXXX at PNC Bank refused to dispense funds from my checking account after I provided my valid government issued identification and debit card. He insisted that I come in the branch to complete paperwork. I am XXXX and have mobility difficulty that I am overcoming. XXXX asserted that even if I came into the branch, no one was available to help me indefinetly. I was effectively denied service. Please help me get my funds.
Product: Credit card or prepaid card

Laid off, and they have no plans to lower payments, ,and they keep adding late fees,, when a person notifies a place that they lost there job, you should automatically be put on a reduced payment plan, ,with no late fees or, other charges, There are 2 accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX on the XXXX there was some fraudulent activity, someone was apparently trying to get loans and car loans in my name resulting in multiple hard inquiries. Showing up on experian/XXXX. I however do not no where any of this is coming from. Please help get them removed from my credit report