23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This is pertaining to corrupt practices for Heartland ESCI. 

Dated XX/XX/XXXX ( Today ) I've always made payments by the due date or within the grace period. 

I made a payment for the month of XX/XX/XXXX with a due date on XXXX XX/XX/XXXX for an amount owed of approximately {$290.00}. I made the payment in the amount of {$310.00} on XX/XX/XXXX. 


Today I was informed by a Heartland ESCI representative that because I paid early in XX/XX/XXXX and the payment was recorded for the month of XXXX, my XXXX payment, made on XX/XX/XXXX ( which falls within the grace period of 9 days as informed by the representative ) only went towards the interest accumulated between XX/XX/XXXX and XXXX as there wasn't a payment made in the calendar days of XX/XX/XXXX ignoring my XX/XX/XXXX payment for XXXX. 


( FYI : My XXXX payment was made on XX/XX/XXXX ). 


So, because I made an early payment on XX/XX/XXXX for XXXX ( which was documented as a payment towards the XXXX billing ) I am being penalized by having my next payment goes towards the interest that accrued from XX/XX/XXXX to late XXXX as the system didn't make my payment for the interest that would have accumulated as of the XX/XX/XXXX. 

I've paid higher than the expected billing amounts the past few months, but I'm still asked to pay a lot more. 


Now I'm being asked to pay {$460.00} dollars after making my XXXX payment of approximately {$290.00} on XX/XX/XXXX which is in the grace period. I haven't been previously notified of any increases and I shouldn't see such see increases now. 

Historically my payment has been {$270.00}. 

Now with the interest of trying to preserve my credit score/history, I will have to make an extra, unnecessary payment. 

These are unfair practices. Please help or investigate Heartland ESCI consumer practices.
Product: Debt collection

One XX/XX/XXXX I did a consumer credit transaction with American Express. In XX/XX/XXXX I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. After receiving a significant amount of bills from American Express, I sent them two documents. The first being a debt validation letter and a cease and desist. Even after American Express receiving these documents, I still received several emails in regards to this so called delinquent debt. These documents were sent via the USPS on XXXX and was picked up by someone from the company on XXXX XXXX at XXXX from the post office. These documents requested that American Express respond back and as of today they failed to do so, but have instead contacted me in regards to making a payment. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.
Product: Credit reporting or other personal consumer reports

I looked at my repot from XXXX XXXX, XXXX  and noticed some things are not accurate. According to the fair credit reporting act, 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. 

I sent a letter asking them to reinvestigate these accounts listed below : Collection Account holder - XXXX XXXX XXXX XXXX Original Account Holder- XXXX XXXX XXXX Account- # XXXX Status- has been paid up to date and closed
Product: Checking or savings account

My XXXX year-old mother passed away last year and had a fiduciary/insurance agent supposedly taking care of her finances. As it turns out, he stole over {$750000.00} by using her bank accounts to pay off his own loans, debts, mortgage, car payments, utility bills, family trips, eating out, and just about everything that he could. He was making transfers into other accounts that were over {$10000.00}. He charged just under {$50000.00} through XXXX ( which my mom didn't even know was a company ). He brought his house out of foreclosure and sold it less than two weeks after she died. He then moved out of state ( without telling anyone ) to XXXX, TN. 
The banking records were received under subpoena as the man, XXXX XXXX ( DOB : XX/XX/83 ), who was also appointed as the executor to her will, stopped responding to requests made by the beneficiaries as well as the attorney that he hired from the law firm that wrote my mother 's will. She had accounts at : XXXX XXXX and BMO/Harris. He also " sold '' her an annuity ( that cost {$250000.00} ) through XXXX XXXX. The annuity did not list a death benefit ( although it was specified in her will ). 
The banks appeared to have done NOTHING to protect my mother who was a vulnerable adult from the financial exploitation ( along with countless crimes- state and federal ) that XXXX XXXX perpetrated on her.
Product: Student loan

FFELP consolidation loans were purchased by the department of education in a random fashion, and this means that protections for those who have these loans from before XXXX are unevenly applied among citizens. those whose loans were purchased by DOeD get protections which are not offered to loan holders like myself who had no choice in whether our loans were purchased by the DOeD. This is unjust. FFELP loan holders are subjected to the whims policy we can not control. Those with DOeD loans are able to request refunds for payments made after XXXXXXXX and those who have 'private federal loans ' through the FFELP program don't enjoy the same rights. It is not our responsibility to accommodate for bad policy while others enjoy rights we are not afforded. DOeD must make this right for loan holders who did not willingly apply for 'private federal loans ' but were subjected to the vagaries of bad policy while others in this category of borrowers were afforded protections in a random fashion. 'private federal loans ' is an oxymoron. Those of us who are part of the FFELP program and have loans that are not owned by DOeD are being treated differently for reasons which we can not control and have no say in.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX  - XXXX - {$2900.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Mortgage

SunTrust Mortgage has failed to close a loan for my mortgage. We have been misled throughout the entire process. Our situation has been escalated, however, we have had XXXX closing dates fall through and we have been told that documents have been sent to the closing attorney, when actually they have not. Emails and phone calls have not been replied to and the entire process has been detrimental to the consumer. I have lost time at my job fold conference calls, as well as, taking time off for XXXX closings that have never occurred. Our furniture is sitting out in the street and unable to be moved into the home, as SunTrust can not complete this loan. Underwriting blames new software upgrades, volume of business, etc. but we have been without a home going on XXXX weeks. This company should be reprimanded for its behavior towards consumers and I hope others can learn from this horrible experience.
Product: Credit card or prepaid card

I was purchasing something on Samsung.com. They offered 12 months financing and I chose that option in the checkout process. This created a credit file with TD Bank Retail Services and a hit to my credit report, but then XXXX told me the item was not available for my zip code. So I was lured into an irreversible hit to my credit score with a product they never intended to sell me, and now TD has a customer account with me that I never would have opened otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information has been used since I was child since XX/XX/ I have alot of things on my credit report i did not do at all. i know my things was stolen so please removed all the things off my report. equifaxXXXX XXXX  for XXXX and a collection account XXXX XXXX for XXXX & XXXX XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX  XXXX all this is for
Product: Money transfer, virtual currency, or money service

Consumer Protections Agency Consumer protection agency, I hope this letter finds you well. I am writing to bring to your attention a matter that has caused me significant distress and financial hardship. As a XXXX XXXX customer of Chime, I have encountered a series of deeply troubling challenges in seeking resolution for disputes that have had a severe impact on my financial stability and personal well-being. My name is XXXX XXXX, and I am compelled to bring to your attention the series of events that have led me to believe that Chime has failed to uphold fair and just treatment, thereby discriminating against me. 

The handling of my claims by Chime has been marked by a persistent lack of due consideration and professionalism, resulting in substantial financial losses and personal distress. Despite providing comprehensive evidence to support my claims, each of my submissions has been met with repeated denials, creating an atmosphere of doubt regarding the thoroughness and fairness with which my concerns have been addressed. The cumulative amount in dispute is in the thousands of dollars, and the continued disregard of substantial evidence provided has been particularly distressing. 

I have made repeated attempts to engage Chime in the proper investigation of my disputes. However, each interaction with their support and supervisor teams has been marked by failed promises and unfulfilled assurances. I have diligently followed all the prescribed procedures, including submitting a meticulously prepared Regulation E form supported by a signed affidavit attesting to the errors in the claims. Yet, my claims have continued to be summarily dismissed. Moreover, actual transaction receipts documenting ATM errors were inexplicably disregarded despite being submitted as irrefutable evidence. 

The consequences of these issues have been nothing short of severe, resulting in significant personal and business-related upheaval, including the unfortunate dissolution of my marriage and the loss of my home. Engaging with banking and investigation agents has only served to reinforce the validity of my disputes, with clear indications that the claims in question should be rightfully reimbursed. 

I am deeply troubled by what I perceive as discrimination against me as a XXXX XXXX customer and the apparent failure of Chime to conduct a proper and impartial investigation into my disputes. In light of this, I urgently seek your agency 's assistance in addressing this matter and ensuring that Chime upholds the fundamental principles of fairness and equity in its treatment of all customers. 

I trust in the earnest commitment of your agency to give the serious attention this matter truly merits, and I eagerly anticipate your swift and decisive intervention in this regard. 

Yours sincerely, XXXX XXXX
Product: Checking or savings account

I have requested 2022 specific information from PNC Bank and have been given the run around. This has been going on since XXXX and I have had a string of broken problems, bad followup and limited direct resolution for anything. After leaving messages and asking for escalations with no help I am going to this bureau in hopes of getting end to end resolution assigned to a capable rep at PNC. I am facing state required records for a guardianship/conservatorship and have been going in circles of incompetence. This is not acceptable as banking customer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Bank has abused consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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 has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

We purchased a new home in XXXX, XXXX on a contingency basis. Our current home in XXXX has not sold and therefore we can not go forward with the closing on the new home. On the XXXX of XXXX we received from the builder a Cancellation Notice, and were told that they sold our future home to someone else. We refused to sign the Cancellation Notice, due to the fact that the form was too vague and misleading, and asked the Builder to rephrase it, and/or delete the last sentence. They refused. The Notice states : by signing this Notice we 're giving up the property ( showing addrss. ). Then also states that signing this Notice of Cancellation does not provide Buyer the guarantee that the Seller will refund all Earnest Money Deposits. We 've contacted First American Title, Agent said to us that the form is too vague, and that normally the Notice should include and disclose the total amount to be refunded, ( the builder refuses to do that ). We then contacted a local Attorney in XXXX. He suggested that there was no need to delete the last paragraph, but just the word NOT would be sufficient. The form was then signed inside First American Title 's office and sent to the builder by the agent. We asked the agent if she could refund our deposit of {$17000.00}, she answered no, unless the builder ok 's it, she further said that she represents both, the Seller and the Buyer, but it seems that First American Title is very biased toward the builder. The Nevada XXXX XXXX XXXX even asked me if I asked First American Title for the refund, I answered yes, and was refused. First American Title also told us that the new home can not be sold, until we sign the Notice of Cancellation. This morning, I called the agent and asked her if the new home was sold and occupied, she refused to answer she said, since she can not discuss any Escrow matters with anyone. Can you please try to help us in recovering our deposit back?
Product: Debt collection

XXXX XXXX from Michael Haynes and Associates has called around and threatened people that I owe a debt and that they would be going to court. I owe no such debt and I am not too happy that he would slander my name with people i respect. He also would not give me an address to communicate with him. He threatned to sue the corporation, take my house, my paychecks and sue people that i dont even know.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act : 15 USC 1681 Section 602a States I have the right to privacy.

15 USC 1681Section 602a Section 2 states that a consumer reporting agency can not furnish an account without my written permission. 

XXXX XXXX  XXXX # XXXX This item is reporting a late payment during which time i was in a extension
Product: Credit card or prepaid card

In XXXX I did on Macy 's chat account automatic payments before I left from USA because of my health.After I come back I check my account and find out that I have 4 late payments.They say that was probably a mistake on there part. I told them that I will pay them but I need some time at least a month, because I lost my job when I went to get help when I was sick and I really don't want my account to be closed because that will shorten my credit history and if they could remove some of my late payment fees .They agree to remove 2 and I paid them and they told me my account got current status now.What made me think everything is fine and fix. After, I found out when I called them, the following month to make my next on time payment that my credit card was closed onXX/XX/2019 without a notice, after 3 late payments.First off all it's redicilous that they didn't do automatic payment and I payed for that! And second .They closed me account after 3 months?? And now I have 4 late payments with account on time now but my score droped like crazy.Just because they don't do there job properly I try to ask them to reopen my account but they claiming they just don't do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting 2 accidents as At-Fault, however there was lawsuits paid by the defendants insurance due to them being at fault. 

I contacted LexisNexis and they even said they are listed as No Fault, however there is an error and they are being sent out on the reports as BLANK, and left up to the insurance company to decide how they want to classify these. 

Driving record, and all other reports list them as No Fault, except LexisNexis. 

I contacted LexisNexis to resolve this, and they said it is up to the insurance carrier to correct it. However LexisNexis is the one reporting the inaccurate information, and according to the insurance company, it is up to LexisNexis to resolve it.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed..
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  bankruptcy XXXX Filed Date : XX/XX/XXXX Reference Number : 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I noticed my account was in the negative. So, I went to the bank to inquire about the negative balance in my account. The representative gave me a number to call XXXX. I called this number. It is XXXX XXXX XXXX XXXX XXXX. I never did business with this company. I do not owe them nothing. I want my money ( funds ) back into my account. Please help? Thank you.