23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX there was a serious accident that happened to a MINOR XXXX XXXX at my residence. XXXX did not obtain correct billing information, such as address etc. The invoices addressed to MINOR XXXX XXXX was sent to my house at XXXX XXXX XXXX. Since this happened at my residence I began to pay these invoices. Attached are the invoices and my payment history which is not correct. Check XXXX {$5000.00} accompanying this invoice I wrote a note saying I will be taking care of this invoice and I would send another check soon with a " paid in full '' date of as soon as possible that I was experiencing some financial struggles. Not once did this company say that this was unacceptable and cashed by {$50.00}, Check XXXX for {$100.00} sent on XX/XX/XXXX was never cashed. again no invoices were sent to me. I then sent check XXXX for {$200.00} with a note that " I would pay in full the following month '', again no communication for this company, check was cashed. I sent a check XXXX for {$700.00} on XX/XX/XXXX which was never cashed and again no communication from this company. I have only received the attached invoice dated XX/XX/XXXX showing the payments made and checks cashed. I was under the impression making payments was acceptable. This company then sent these collections to CVCS and this company attached collections to all credit bureau 's damaging the credit of someone who had nothing to do with this injury or debt. I made every attempt to make good on this invoice. CVCS sent a notice to XXXX XXXX asking for money she isn't responsible for, also there are NO dates listed on this collection notice. All the checks cashed and sent have my name and address on them. Again, this invoice was addressed and sent to a MINOR XXXX y/o. It was the responsibility of the XXXX XXXX XXXX XXXX  to obtain the correct billing information and signatures of an adult or guardian. This did not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

After signing up with Creditrepair.com as advertised by credit.com where we monitor our credit scores they offered a XXXX discount monthly in which was only honored for the first month and signing up my spouse to take advantage of the 50 % off for having multiple accounts. Creditrepair.com informed me after reaching out by their chat feature and calls the discounts are only honored for one month. We continued to use their service despite the mis advertised discounts. As more than 30-45 days passed we noticed little to no updates on the member portal. We have several accounts with dates from XX/XX/30 untouched. We also uploaded documents to assist with the process and no action was taken from XXXX until XX/XX/XXXX! This company purposely did not work on the items uploaded or Items from XXXX but continued to charge me. When I called I got XXXX on the line who told me numerous times use the website. I cant ask the website why work is not done that I am paying for. After some frustration I got to his manager who put in a Heavy documentation dispute. She informed me it is my duty to call after uploading documents and to review them with a CSR. Nowhere on their site or when I called in or in chats was this told to me. After calling and chatting to keep on top of everything I get another manager who tells me I am wrong and my account was opened in XXXX not XXXX and to look at my service agreement. Im looking at the agreement and it states XX/XX/XXXX. She realized she had the wrong account after I confirmed my sensitive information to confirm my identity. She stated I should call daily if I want any work done or she can cancel my account. Very rude and did not take responsibility for her mistake. I am asking for refund for dates from XXXX to current as services not rendered and promised not kept. Delays on their behalf. Rude Managers and no assistance throughout the process.
Product: Mortgage

My escrow has gone up {$220.00} monthly. When I called the company to ask why, they stated its because my taxes and insurance went up. My insurance has not changed and my taxes rose under {$200.00} annually. When I told them there must be a mistake, they said no its just how it is. I said can you please make it make sense and they couldnt. Finally they put a person by the name XXXX on the phone and he said that back in XXXX their sister company XXXX XXXX by Mr. Cooper accidentally gave me {$700.00} dollars back in escrow overage that wasnt supposed to go back to me and it caused a deficit in my escrow account that they are making up for now. I cant find any bank statements backing this theory. Their sister company got caught in an accident with me before when I tried to have my PMI removed, they accidentally had my conventional loan in a rural housing loan. Intentional accidents are not accidents and I would like this to be investigated.
Product: Money transfer, virtual currency, or money service

I am a part of the bankruptcy claim by Celsius network they are refusing to pay out. They have not gave me my first payment my second payment and now they are trying to refuse my third payment saying that I am not entitled to it when I have email correspondence, confirmation numbers claim forms and everything necessary to receive my settlement I waited three years. This is a breach of contract.
Product: Checking or savings account

Truist banking emailed me about a new online banking ID being created at XXXX XXXX XXXX on XX/XX/22. I contacted the company, and they said they reported it. 

XXXX  XXXX XXXX contacted me at XXXXXXXX XXXX XXXX on XX/XX/22 alerting me that someone attempted to open a personal checking account. I have a credit card with them, but not banking. I told them this was fraudulent, and they told that the person doing it used my SSN and date of birth and that I was a victim of identity theft. 

I called XXXX at XXXX XXXX XXXX on XX/XX/22 and placed a fraud alert. They said they would notify the other two credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Midland Funding LLC is reporting a due balance of {$8000.00} under the account number XXXX in my credit report which should not be in my credit report because the date of default or the last date of any activities with me is more than 7 years old. The card was with XXXX and last activity with me is in early XX/XX/XXXX and subsequently defaulted. XXXX was sold to XXXX bank in early XX/XX/XXXX. In XX/XX/XXXX, XXXX sold the account to Midland LLC.
Product: Credit card or prepaid card

Facts : 1. Kohls alleges that I owe {$250.00} on purchases made. 
2. I have had several conversations with Kohls representatives and sent many confirming documents. 
3. On XXXX XXXX, XXXX, I made an electronic payment of {$210.00} from my account at XXXX XXXX. Admittedly, that payment was directed to the wrong account number ( XXXX ). It was sent to Kohls XXXX XXXX, XXXX. XXXX XXXX, XXXX, WI XXXX. 
a. XXXX XXXX acknowledges sending that payment and debiting it from my account. I have proof of Payment from my back and have provided it to Kohl 's. 
b. I have not received a bank credit for this payment and XXXX XXXX says it has cleared. Because it is electronic, I have no canceled check to offer as additional proof. 
4. On XXXX XXXX, XXXX, I made an electronic payment of {$32.00} from my account at XXXX XXXX. Admittedly, that payment was directed to the wrong account number ( XXXX ). It was sent to Kohls XXXX XXXX, XXXX. XXXX XXXX, XXXX, WI XXXX. 
a. XXXX XXXX acknowledges sending that payment and debiting it from my account. Attached as Exhibit B is a Proof of Payment document from XXXX XXXX. 
b. I have not received a bank credit for this payment and XXXX XXXX says it has cleared. Because it is electronic, I have no canceled check to offer as additional proof. 
5. My payments were timely, have been received at Kohl 's payment center, and debited from my accounts. In a telephone telephone conversation, Kohl 's representative advised my husband, whom I authorized, that Kohls fees and interest would be credited and suspended while Kohls finds these funds and until my XXXX checking account receives credit for the two payments totaling {$240.00}. 
7. I have issued Stop Payments for the two payments received but not credited by Kohls. This stop payment action cost me {$50.00} and, presuming the bank can stop payment, I believe Kohls should reimburse me {$50.00} in the form of credit. 
8. Once my checking account shows a credit for the two checks totaling {$240.00}, I will immediately send Kohls payment in that same amount. 
9. Until the credit is received either by the stop payment or by your discovery of where the funds were deposited I demanded in a letter that no negative credit report be made.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc ) due to inadequate Customer service an unfair practice which violates the Consumer Financial protection act ( CFPA ) specifically Cash Out failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected Furthermore their dispute resolutions process was what's unfair and undeceptive as they did not comply with errorsation requirements Under the Electric funds transfer Act ( EFTA ) and Regulations E. These actions have called significant inconvenience and Financial loss and I seek appropriate redress for these violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to experian a number of times to get my information on my credit report corrected. I am tired of going back and forth to have correct information updated and removed that is inaccurately reporting. 

There is a bankruptcy that is inaccurately reporting that needs to be removed. I have attempted several times to have the information removed and have yet to have it corrected. I know the information is not reporting with XXXX XXXX like XXXX  advises time after time in letters sent. XXXX XXXX does not have any record of a bankruptcy an this information needs to be removed from my public record sections. 

I also have inaccurate inquiries reporting that need to be removed I did not apply for credit these are inaccurate. I am not going to the creditors to ask for removal since I never applied XXXX  is reporting and XXXX  needs to remove the following inquires XXXX XXXX/XXXX XXXX Comp XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax Mortgage XXXX XX/XX/XXXX Equifax : I have disputed the following inquires with Equifax and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly Equifax is the ones reporting and the ones that need to make a corrections to these fraudulent inquires Equifax Mortgage XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I have disputed the following inquires with TransUnion and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly XXXX is the ones reporting and the ones that need to make a corrections to these fraudulent inquires Equifax XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of XX/XX/XXXX
Product: Student loan

On XX/XX/XXXX, I submitted my " final '' PSLF application that should have resulted in discharge of my student loans. I have had XXXX of XXXX payments since XXXX XXXX, on XX/XX/XXXX, after no fewer than XXXX phone calls over the last XXXX months, I learned I had to resubmit because of an error. This is after being told previously by Mohela reps that everything was " fine '' and it was just a matter of " time. '' Now, they expect it to be at least another XXXX business days to even process the application, and then another XXXX days to discharge, putting me to at least XX/XX/XXXX before this is over. I asked for an expedited review since they told me previously that my application was good, and was informed they do not do that, even though I've had it done before. Now, my qualifying employer is about to eliminate my position, which is a huge problem considering, to qualify for discharge, I need to be employed there. Mohela has told me " it's fine ; you can leave. We don't call to check. '' I have XXXX different phone calls recorded confirming this, which is legal in my state, and it is indicated in my personal file at Mohela, per XXXX conversation with a rep. However, given the inconsistent advice and, at times, outright lies ( as to not doing expedited reviews ), how can I trust this statement? At this rate, it will take almost a year for me to get my loans forgiven, which is horrific customer service. Had this system operated the way it was intended, I would not be in the terrible position of being about to lose my qualifying job without forgiveness. I fully understand that many people are impatient, but this is a potentially massive problem for me, through no fault of my own, if Mohela does not expedite this review to correct their misinformation shared with me. At this point, the amount of XXXX XXXX XXXX XXXX and XXXX XXXX I've acquired during the last XXXX months in wholly unreasonable, and I simply want this fixed. The financial consequences for me if this is not done are significant and feel like a slap in the face after XXXX years of government and non-profit work.
Product: Debt collection

I received a letter from R. A. Rogers Inc. around XX/XX/2017 that a bill was owed in the amount of XXXX plus interest {$140.00} = {$1000.00}. There was no documentation or paperwork sent to indicate that a bill was owed to R.A. Rogers Inc until this collection notice around XX/XX/2017. The letter indicated that I had 30 days to either dispute or pay the bill. I am currently writing a letter to dispute the bill. This is the first collection notice of XXXX that was received from this company. Companies should have periodic updates to ensure accountability.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my Rights
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 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 Any other adverse item 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.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Student loan

Mohela has not updated my PSLF payment accounts correctly after a year of waiting. There were two different loans on the account, unsubsidized and subsidized, and one was updated and forgiven, and one was left with no updated payment counts. 

When student loans have entered back into repayment ( which should not happen for me because these loans should be forgiven ), Mohela 's delay and incompetence has caused my loans to enter into repayment. As a matter of principle, I refuse to make another payment on the account because the loans should be forgiven in full. 

In order to gain more time for Mohela to do it's job ( which I have no faith they can do ), I submitted a forbearance request because I am not paying them another dime. However, as of XX/XX/XXXX, they gave me a letter that stated " sorry, we're not able to process this for 90 more business days, during which time you will be responsible for paying your loan. '' This is absolutely unacceptable and incompetent. My loans should have their payment counts already updated. My loans already should have been forgiven. While having to wait on this delay, it should not take 90 days for them to pause their own payment process and substantially negatively impact my family. 

Mohela has consistently done the wrong thing every single time given the opportunity in the past two years for both myself and my husband. He's had to file XX/XX/XXXX complaints, a CFPB complaint, and a complaint with his US Representative against this company. 

Their contract needs to be canceled and their company fined for mismanagement.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. The following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is erroneously reporting a bankruptcy on my report and is refusing to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy that was inaccurately reporting on my credit report with XXXX XXXX. I received the attached letter from XXXX XXXX stating that they have removed the bankruptcy from my credit file on XX/XX/2023. However, the bankruptcy is still reporting with XXXX XXXX and all three credit bureaus : Experian, XXXX, XXXX. 

I have reaching out to all agencies repeatedly after XXXX XXXX has notified me that it has been removed. It is now 30 days from the date of the letter from XXXX XXXX and the bankruptcy still has not been removed from my credit report. 

I am asking CFPB to please assist with having these agencies abide by the law in its entirety and delete this disputed item from my credit file. I am demanding that All agencies, XXXX XXXX, Experian, XXXX, XXXX delete this bankruptcy immediately.
Product: Credit card or prepaid card

I applied XXXX XXXX XXXX XXXX from American Express on XXXX XXXX this year ( XXXX XXXX and they gave me an new launch offer. With this offer, I can earn XXXX XXXX Bonus Miles after spending {$3000.00} in purchases on my new card in my first three months of Card Membership. And I can earn XXXX Bonus Miles after my first anniversary of Card Membership. I completed the purchase of {$3000.00} on XXXX. XXXX this year XXXX XXXX ) and it was within the time limit which is three months. I still have NOT received XXXX Bonus Miles now. 
I have contacted American Express via both message and phone call on XXXX. XXXX XXXX and they told me that my bonus was declined but didn't give me any certain reason. The message told me the reason might be I had opened Hilton Honors Aspire Card   from American Express and this was partner card with XXXX XXXX XXXX XXXX   And the phone call told me he would contact manager to give me certain reason. However I still have not heard back from American Express today XXXX XX/XX/XXXX XXXX. I have read the terms of card offer again and didn't find any reason that may cancel my bonus.
Product: Debt collection

They keep calling for a XXXX but she no longer owns this number. i've asked to be removed 37 times but they keep calling for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the inquiry for XXXX XXXX XX/XX/XXXX or XXXX XXXX XXXXXX/XX/XXXX. 

I went to a car dealership and did not authorize multiple lenders to pull from my report. 
UNAUTHORIZED * XXXX XXXX XXXXXX/XX/XXXX * XXXX XXXX XXXX
Product: Debt collection

I am a   XXXX   XXXX   XXXX    XXXX  Veteran. In   XXXX   I was taken to a hospital via  XXXX . Total bill : {$1400.00}. For whatever reasons the  Veterans Administration refused to pay the bill. Every few months I receiv e a new bill with threats of contacting my employer ( I 'm not employed/Unable to work ) and/or garnish wages. Under federal law they can not garnish VA Compensation. By reporting my bill to the credit bureau every few months the statue of limitations starts over. I have been told that they can do this to me for the rest of my life. So, for the rest of my life I will have this bad mark on my credit report. And, for the rest of my life each and every year they report it as delinquent the account is considered a new collections and the Texas State statue of limitations starts over. I have filed a complaint with the Texas Attorney General 's Office and I 've have contacted Texas Veteran 's Lega l Advisor a nd am currently seeking additional advice from the  XXXX   American Veterans Association of America.
Product: Credit reporting or other personal consumer reports

I was reviewing a copy of my credit report and saw fraudulent activity on my account.