23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Applied for one time payment count adjustment in XX/XX/year> and eligible PSLF repayment plan via consolidation option. 

As of XX/XX/year>, payment counts have not been adjusted and repayment plan is ineligible even thought consolidation was processed from that application. Made payments for XXXX until I was placed on administrative forebearance, under precedence that the consolidation loan was in SAVE repayment option. 

Now servicer is advising that my loan is in an ineligible payment plan. My payments have not been adjusted with the one time adjustment. The servicer has put me in administrative forebearance that is ineligible for PSLF. I am unable to change to an eligible plan using the provided online options. The servicer will not process my last PSLF application for eligible payments because the loan is currently in their administrative forebearance status even thought the application is for eligible payments before entering forebearance, including some payments from the last forebearance that have still not been updated as qualifying even though they were eligible and the paperwork was already sent in and processed.
Product: Prepaid card

On XX/XX/year> I purchased a {$250.00} Amex gift card at XXXX XXXX on XXXX XXXX and XXXX XXXX in XXXXXXXX XXXX XXXX XXXX. Despite having done so with other amounts in the past, I am no longer able to reload my XXXX balance with my remaining {$6.00} Amex balance. After multiple attempts, I am still unsuccessful and now {$0.00} of my {$6.00} is stuck in holds for several days. All reload attempts were less than the card 's face value. Many people have reported having this problem in the past XXXX years.
Product: Mortgage

Hello, my name is XXXX XXXX XXXX. 
My mortgage company was Home Point Finacial. They have sold my loan to a new company and have marked to the credit bureau that my account has been closed. This has put a negative impact on my credit history and score!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX  XXXX XXXX Balance {$880.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} SXXXX XXXX XXXX Balance {$1400.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$2900.00} Inquiry : XXXX XXXX Inquiry Date XX/XX/2021 2021
Product: Vehicle loan or lease

Ive tried to reach out via all three credit bureaus to have them confirm and remove this that that isnt mines! The company is reporting that theyve certified that this debt belongs to me without proper proof. I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requi-site compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all de-rogatory and adversary items from any and all alleged claims still yet unproven to be true, cor-rect, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX XXXX reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the afore-mentioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of re-sponsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are un-doubtedly mandated in your obligation to obey
Product: Credit card or prepaid card

I used my card to purchase something online ( XXXX, ORDER # XXXX & XXXX ) on XXXX of XXXX. I did never received my orders till this day, XXXX, XXXX. However, I did attempted severally to contact the company requesting for my orders, through email message, and they keep telling me I will be getting it, and yet, it was all fase. 
But, as the month of XXXX and XXXX goes by, to close to ending. I contacted the company again, and yet nothing was done. I contacted the XXXX  ( MONEY NETWORK ) to report the issue. The complaint description, and companies informations given to the Bank. I have called the Bank several times to get an update, also refund me the amount of {$140.00}. Since, I did not receive any of my orders till day. It's been about 3 months. I am really desperate for my money being refunded, credited back to my account. Since, I am going through great financial difficulties. I need my money refunded back to me. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the TransUnion/XXXX after I purchased a credit report with XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complain and hoping that this XXXX XXXX XXXX XXXXXXXX Late payment XX/XX/XXXX, XX/XX/XXXX, 30 days late will be updated.
Product: Checking or savings account

Bank Of America been with them for 30 years and Ive constantly was charged for things. I didnt do transactions that they let come in late just so that they can charge me late fees now my mother has passed away and I have total guardianship why I was taken care of her and I did close her Bank of America accounts, and then they took three weeks to release her fines even with the court documents in XXXX certificates which caused financial devastation with my family in proceeding to bury her. I do believe that she is entitled to the settlement against Bank of America. Have plenty of proof. They robbed her for decades Thank You XXXX XXXX XXXX XXXX XXXX ( Legal Estate Beneficiary )
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below due to my status as a victim of a data breach. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), which provide protections for individuals in cases of fraudulent activity.

Please find the accounts and inquiries in question listed below : 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Progressive management systems violated title 15 usc 1692c they didnt have my written consent to contact me nor did they have consent to contact any 3rd party ( credit bureau ) without my consent which is invasion of privacy and especially when progressive management systems is FTB suspended which means they are not licensed to do business they can not legally do business Ill upload it on here. Im asking for monetary relief and please be advised that the address thats on the Secretary of State is different from progressive management system address when they registered in 1978
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act these companies have violated my rights. 
XXXX XXXX Acct # XXXX, from XXXX XXXX XXXX XXXX # XXXX, on XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, on XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX 
Acct # XXXX, on XX/XX/XXXX & XX/XX/XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In with the fair credit reporting act. The list of accounts below has validated my federally protected customer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX Account : XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX has violated my rights. 

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 customer 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 customer to any custom reporting agency if the person knows or has responsible calls to believe that the information is Inaccurate.
Product: Checking or savings account

I have disputed a transaction with capital one for the amount of XXXX with merchant XXXX. Upon initiation of the disputeI provided copies of communication with the seller as well as tracking information. The package was severely delayed on top of the non- deliverance of the ordered item. Capital one denied my claim twice now with any explanation provided.
Product: Credit card or prepaid card

Date : XX/XX/XXXX I notified SYNCHRONY NETWORKS that the information they're reporting on my credit is inaccurate and needs to be deleted : -Late payment XX/XX/XXXX -Late payment XXXX XXXX Account : SYNCHRONY NETWORKS ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX No response from lender
Product: Debt collection

Debt collection company National Credit Adjusters is reporting on my credit a debt of {$850.00} for an original creditor listed as XXXX XXXX XXXX XXXX. Upon review of my credit reports, I reached out to each credit bureau by mail on XX/XX/XXXX requesting validation of the debt. In response they stated that the debt was verified, however, did not supply any additional information to me proving such. I then reached out requesting the method of verification on XX/XX/XXXX to the credit bureaus and was told I could reach out to National Credit Adjusters directly. I sent another letter directly to National Credit Adjusters on XX/XX/XXXX requesting proper validation of debt. In response, I received a letter dated XX/XX/XXXX showing copies of a promissory note to which I believe to be fabricated, as it has my maiden name and dated XX/XX/XXXX, a time in which that was no longer my legal name, no signature, and no proof of debt or validation was provided. They then proceeded in request for me to call them directly by phone, when I have established communication in writing by mail. I have provided ample time and numerous opportunities for this company to provide proof that I am responsible for this debt, and after months of reaching out, I still have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the LVNV Funding ( Resurgent ) collection agency in XX/XX/2021, I requested debt verification. The company sent me a copy a statement. The statement was not dated. I received this on XX/XX/2021, I then requested validation of the debt, specifically, I requested that the company supply me with a copy of my signature, verification of the amount currently due and validation that the company is licensed to collect a debt in the state of Connecticut. As of today, XX/XX/2021 I have not received a response. Today I called the company at XXXX and asked for the compliance department. I spoke to a rep there who advised me that all they have is a copy of the statement and the terms. They do not have any additional information to validate the debt they are attempting to collect. Because the company did not respond to me within 30 days, nor validate the debt, I am requesting that they immediately cease and desist any future collection attempts and remove this debt from all three collection agencies within 15 days of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Report Act XXXX  Account stating : ( XXXX XXXX ), has violated my rights. 

In Accordance with the Fair Credit Report Act XXXX  Account stating : ( XXXX XXXX XXXX XXXX -LATE PAYMENT ) XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX {$500.00} PLEASE REPORT CREDIT LIMIT. ON XXXX  ACCOUNT Letter Date : XX/XX/XXXXXXXX  Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX To Whom It May Concern : PLEASE REPORT ( ( CREDIT LIMIT ) ) ( {$500.00} ) RE-INSERT XXXX XXXX XXXX XXXX XXXX CREDIT LIMIT. PLEASE REPORT THE {$500.00} CREDIT LIMIT. 

ACCOUNT : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX CREDIT LIMIT : {$500.00} OPEN ACCOUNT {$0.00} BALANCE Thank you for your time and help in this matter. Sincerely,
Product: Mortgage

Chase bought out the servicing of my loan in XXXX of 2022. The previously lender gave them proof insurance. Through an escrow account they renewed the insurance. They then claimed they showed 30 days of missing coverage and threatened to buy my insurance. They should of just contacted the insurance company they just renewed with if they didnt have full proof of coverage. What a huge frustration. Why send a threatening letter. Whats the point of an escrow account if they cant seem to keep track of the dates then try to double charge for insurance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which volatiles the Consumer Financial Protection Act ( CFPA ) specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

TransUnion 's Violation of the Fair Credit Reporting Act - Urgent Assistance Needed Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing an ongoing issue with TransUnion, who I believe has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ). 

On three separate occasions, I have disputed incorrect bankruptcy information listed on my credit report, and each time, TransUnion has failed to conduct a proper investigation. 

The details are as follows : - XX/XX/year> : I submitted my first dispute regarding the incorrect bankruptcy information. TransUnion claimed to have investigated the issue, but the record remained unchanged. 

- XX/XX/year> : I filed another dispute, and on - XXXXless than 12 hours laterI received an email stating that they had again investigated the matter and the record remained unchanged. 

Given the rapid response, it is clear to me that they simply reused the results from the previous dispute without performing a legitimate investigation. 

- XX/XX/year> : I made a third attempt to dispute the bankruptcy record. 

On XX/XX/year> at XXXX XXXX, I received yet another email indicating that TransUnion investigated the public record and found no changes. 

I requested in writing that TransUnion provide me with their method and procedures for investigating the dispute, but they have failed to respond appropriately. As of now, they have not provided any proof of proper investigation or compliance with the law. I am left with an incorrect bankruptcy record on my credit report that is not mine, and TransUnion is continuing to disregard my rights. 

The bankruptcy record in question belongs to my father, who has a similar Social Security number and previously lived at my address. I have never filed for bankruptcy, yet TransUnion refuses to correct this mistake. 

I am seeking your help in documenting this neglect and holding TransUnion accountable for their failure to comply with FCRA. If they do not remove this incorrect public record, I plan to take legal action. 

Please help me get the relief I am entitled to. TransUnion 's actions are not only irresponsible but deeply distressing, as they are profiting at the expense of consumers like me. 

Thank you for your time and attention to this matter. I look forward to your guidance and support. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I initiated an ACH transfer from outside website from my ally bank checking account. It was for {$32000.00} for Thursday ( XXXX XX/XX/2022 ). Within 3 hours, I reallized that i need to stop that transfer. Tried chatting with Ally bank customer service... more than 45 minutes of wait and no help even after that. Then called Ally bank... more than 1 hour on the phone with the first level and then the supervisor ( XXXX ). By around XXXX, XXXX assured me that this amount will be blocked and she charged me {$15.00} from my bank account for this stop payment. Rest assured I was okay with this resolution but later I reallized the transfer was not being stopped by Ally bank even after charging {$15.00} fees to my account on XXXX XX/XX/2022. This {$32000.00} took money out of my Ally bank account and Ally couldn't even stop it even when they knew what they had to do and charged me Stop payment fees of {$15.00}. 
I had to make another payment but I was under the impression that {$32000.00} was stopped so I made larger payment to this vendor from this website : XXXX : XXXX How shameless, clueless and hopeless Ally bank is and how they are deceiving their customers? Such a long wait time on phone as well as chat and still no good customer service. 


For more than 10 months, ally mobile app is not working. Still Ally is doing research with no status update. 
Moreover check deposits are returning as there are not enough instructions on the website. Every time you call Ally bank- they have a different person who give a different narrative of the problem/resolution. When i opened Ally bank account way back in XXXX it was good... but quality has really gone down like anything.
Product: Mortgage

Complaint Against  : Freedom Mortgage   XXXX , TX Unfair reporting of late payment  by Freedom Mortg age. This complaint arises from a dispute w ith Freedom  Mortgage whereby the Real estate taxes were increased  in the County  we live in. F or ten ye ars we have been paying our mortgage on time without any late payments. My wife and I signed on a third party company to automatically pay our mortgage. In  XXXX    XXXX   there was a {$150.00} shortfall due to the increase in our taxes . Freedom Mor tgage received our regular payment of {$2200.00} through  XXXX   XXXX  on a timely schedule through  XXXX   XXXX .  Freedom Mortgage contacted by letter to notify us of the {$150.00} shortfall and my  wife made arrangements to pay the balance of {$150.00} over the phone.  Freedom  Mortgage took the payment but never collected the money from our bank  (   XXXX   XXXX  ) on time. The money was subsequently returned by our back because of non-collection. My wife made a payment over the phone on  XXXX / XXXX /  XXXX   and the money was collected by  Freedom Mortgage. Subsequently in looking at our credit score Freedom M ortgage reported our payment as late. We notifie d Freedom M ortgage of this negative reporting, and asked them to reverse it, but they said that they could do nothing about it. We feel tha t Freedom Mortgage is unwilling to rectify the situation. We tried to send the additional payment to Freedom Mortgage on time but feel that they dragged their feet in collecting t he money. It was't our fault because we did all we could to make sure they were paid.