23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Back in XXXX of XXXX I found out about a debt in the amount of {$830.00} while trying to get a loan on a house. I contact XXXX XXXX asking what the Debt was about she informed me it was a water bill and gave me the address. In which case I told her I had never lived there and she told me to file a police report for identity theft and send it to them. Which I did. While trying to get a loan for a car it was still on my credit report. I then disputed it and they refused to remove it. I called again she said she never got the police report. I then filed a report with the Federal Trade Commission for Identity Theft which list that account and another account I got a copy of the police report and a copy of that report and sent it to them with a tracking number which was delivered XXXX XXXX. I called them again on XX/XX/XXXX to find out what was going on she had a attitude and told me she don't know who signed for it but she did receive a copy of the police report. I called XXXX XXXX XXXX to get a cop of the agreement from the bill and they are refusing to give it to me. I asked them if it is a account with my name and SS number on it I would like to see the signature that was signed to the agreement. They are refusing to to give it.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter was sent to TransUnion Consumer Solutions, XXXX   XXXX XXXX, XXXX, and the XXXX  Dispute Department on XXXX XX/XX/XXXX and the disputed amount is {$19000.00}. This account is past the statue of limitation for the state of Florida. This account has also been re-aged, and it is illegal to re-age any account. The date last active for TransUnion is XXXX XX/XX/XXXX, XXXX   is XXXX XX/XX/XXXX ( currently listed as XX/XX/XXXX ), and XXXX  shows XXXX XX/XX/XXXX. It is illegal to re-age an account. This account has been re-aged. Delete this account immediately. 

This letter was sent to TransUnion Consumer Solutions, XXXX   XXXX XXXX, XXXX, and the XXXX  Dispute Department on XXXX XX/XX/XXXX. The dated last active for TransUnion is XXXX XX/XX/XXXX, XXXX is XXXX XX/XX/XXXX, and XXXX  show XXXX XX/XX/XXXX. XXXX  shows this account payment history with a paid as agreed status in XX/XX/XXXX and it was placed in a charge-off status in XX/XX/XXXX by XXXX, this is a conflict. Delete this account immediately.
Product: Mortgage

I received a letter in the mail from Fifth Third Bank, dated XX/XX/year>, stating I am delinquent on my mortgage and risk losing my home. The letter states that if the payment had already been made, I should add late charges go the next month 's payment. 
My mortgage is due on the XXXX of the month, but not late if paid by the XXXX. 
I logged into Fifth Third 's website on XX/XX/XXXX and paid my mortgage in full. 
I contacted their customer service on XX/XX/XXXX, when I received their letter, and an agent verified that I am not delinquent on my mortgage. I therefore requested a formal letter in the mail stating the letter I received was both premature and inaccurate. The agent informed me they do not have such a letter and so can not send one to me. A supervisor later informed me he would refer it to the research department. 
For my records, I would like a formal letter from Fifth Third stating their delinquency notice was sent in error. I would also like Fifth Third to rescind any reports made to credit bureau stating I am delinquent on my mortgage. Finally, I would like any late fees assessed to my account removed.
Product: Credit reporting or other personal consumer reports

I have tried to call Experian several times without getting any help. They only have the automated line - called this number several times XXXX. I am not able to speak to a live agent like other credit Bureau. It seems like Experian expect to get membership fee for any help. This process needs to be addressed. My identity has been compromised multiple times through hacking in to public domain- I am not sure why we can't get someone to help us to answer some of our questions by Experian. 

My suggestions is like other 2 credit Bureau, they need to have a live agent if they want to be one of our credit monitoring agency. Please respond to me. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****
Product: Debt collection

I was asked about my assets, then I was sued, never offered payment plan or any other suitable conclusion.
Product: Student loan

PSLF issue -- XX/XX/XXXX federal admin forebearance not counted toward PSLF -- called Mohela early XX/XX/XXXX to get this marked as " eligible '' for PSLF instead of " ineligible ''. Then XXXX payment/forebearance ***disappeared from my account entirely*** which is perplexing. 

Called them again XX/XX/XXXX to get this anomaly fixed, no results. 

Current qualifying payment count as of XX/XX/XXXX is XXXX XXXXXXXX payments ( which should be XXXX if they had actually counted the eligible federally mandated XX/XX/XXXX forebearance ). Now I am paying into XXXX despite having reached PSLF forgiveness threshold as of XXXX AND having recertified employment XXXX  since the XXXX payment. 

No updates to my account from this call. 

Advised that once payment count hits XXXX XXXX to call them back and resubmit the employment certification AGAIN. 

Advised that once form is received forgiveness may take up to XXXX business days to be processed. 

Problems cited above : 1. Failure to properly implement federally mandated PSLF eligible mandatory forebearance for XX/XX/XXXX. 
2. Failure to count payments correctly.

3. Direct financial harm. Requiring payments beyond PSLF threshold due to
# 1 and # 2.

4. Failure of timely/reasonable action. Advising us that
PSLF forgiveness may take up to XXXX BUSINESS DAYS ( this means XXXX WEEKS which is over XXXX MONTHS ) to process -- how does this not constitute financial harm. 
5. PROFITEERING. If they get paid for XXXX extra months, and then take even more time to refund our overpayments, they are definitely making crazy amounts of money in interest on our money for the XXXX months while they have it!
Product: Bank account or service

I have a checking account and a loan ( previously a Home Equity Loan ; now terming out ). The original terms for the line of credit were based on interest only during the revolving period ( XXXX ) followed by a 10 year straight amortization. Terms also included that a XXXX account was to be opened and the payments to be on auto debit. Also, a {$50.00} annual fee was to be paid for the line of credit. 

During the recession they froze the line of credit to new draws ( so essentially I no longer had a line of credit ) and continued to charge the {$50.00} annual fee which does not seem fair. I have continued all along to make my payments unlike most who were " upside-down '' and simply stopped paying. 

I was rewarded for my good payment history this month be an outrageous {$36.00} " return-item '' fee by BBT. This was the result of me making my XXXX XXXX payment on XXXX XXXX. Apparently, I paid " too early '' because unbeknownst to me my new billing had not dropped and BBT applied the payment all to principal and did not update my next due date. So on XXXX XXXX the " auto-debit '' kicked in and overdrew my account. I had " opted-out '' so the check was returned with no NSF, but I was an assessed a {$36.00} " return Item '' fee. I think the was a {$6.00} fee back before consumer protection legislation allowed for " opt-out ''. It seems this increase is the big bank way around the law. 

I contacted BBT to ask them to research my impeccable repayment history ( always early or on-time ) and confirm where I made XXXX payments in XXXX and that XXXX was intended to be XXXX and misapplied. I would have had money in the account if I realized that they did n't update my payment date. The responded that they did nothing wrong and it is their policy to apply any payments made before the new statement drops on the XXXX of the month to principal. My subsequent response was while it may have been in the fine print I did n't think it was fair, I have acted in good faith for over 10 years paying perfectly even when I owed at least {$60000.00} more than my house was worth and this is how I get treated. This was never responded to I am contacting you. 

My complaint is 3 fold ; 1 ) {$36.00} is excessive for a return item and especially since it was ACH auto-debt from BBT to BBT ( they had absolutely no risk or cost at stake ) 2 ) it should never been charged because if my XXXX payment was applied to the XXXX due date as I intended the auto debit would not have triggered on XXXX and 3 ) how is it fair that they can continue to charge the {$50.00} annual fee that I agreed to pay for a " line of credit '' every year but the froze the line to new advances so I no longer had a line of credit. 


After approximately 5 years into the loan ( before the revolving 7 year RLOC period ended ) BBT Froze my RLOC to new advances ( not because of any default of me, but because market value declines and they correctly assessed that the liens exceeded the home value ). It was true and I am not upse, however they continued to charge my {$50.00} annual fee
Product: Checking or savings account

I called the chase bank on XX/XX/XXXX  due to unauthorized charges in the amount of {$16.00} from Amazon XXXX from XX/XX/XXXX  until XX/XX/XXXX  and I did not authorize those charges because I don't have Amazon XXXX and I called the Amazon and they said to call my bank to dispute all of this charges that I did not make. I received a letter from Chase and they said that they can only dispute only the 60 days of charge and I'm responsible for the rest. This is not fair for me. This is fraud and why did they allow those charges in my account that I have no knowledge about. I called the chase bank and they told me to call the Amazon and I called the Amazon and they told me to call chase bank they are passing me back and forth. This is fraud and stealing.
Product: Checking or savings account

Capital One 360 has restricted a perfectly good working loyal customer bank account for no reason. I have been a loyal customer for 5 years now and I was surprise my account was restricted. As everyone does i have bills to be paid and my money is hold and I can not even deposit to use XXXX to send payments. I have called the company over the phone and email 10 times now and they are not doing a thing about it. I just want the account to unrestricted and working now immediately!!!
Product: Money transfer, virtual currency, or money service

I requested a refund for a purchase I did not recognize on my cash app account and they never refunded me my money or messaged me back. And I called and there was no information provided.
Product: Payday loan, title loan, personal loan, or advance loan

Credit Genie uses their app based payday loan service to charge clients {$3.00} monthly even after they have followed to companys policy of cancellation and deletion of account to cease the charges. The most recent charge was on XX/XX/XXXX and I have not used this service is a very long time. They have charged me {$3.00} to {$4.00} monthly since XX/XX/XXXX though I never actually received a payday loan from them. I have asked the company repeatedly to cease these charges and immediately refund ALL charges incurred since XX/XX/XXXX. Due to an arbitration agreement, I can not pursue a class action against them.
Product: Mortgage

Mortgage company increased escrow amount for annual taxes. They made the mistake of increasing tax payment to state of WI by 50 %. XXXX taxes had been paid in full and we received a {$110.00} payment for escrow overages. 

XXXX 2nd phone call to let them know they made a mistake. Talked to XXXX the escalations manager Emailed them XXXX tax bill Was notified via email they would investigate. 10 biz days to investigate and would receive a letter in an additional 10 business days of their findings. No letter arrived. I emailed multiple times with no response. Talk to an agent on XX/XX/XXXX that I should hear something by the end of the week. Its now a full a week later and still no resolution. They are mismanaging money and my account.
Product: Credit card or prepaid card

Unfair business practices ; I received a letter on XX/XX/ 2019 from Discover Card Services dated XX/XX/, 2019 regarding a credit limit increase on the account. I have had the account going on 2 years and I have even paid the account off completely couple of times. Anyway, I had enquired about a credit limit increase cause it had been over 8 months since the last credit limit increase ( {$1600.00} ), and the account as I mentioned above has been opened going on two years with a perfect paying record, and is current as the present time. THe letter states that I was not eligible for a credit limit increase cause of ; " insufficient Experience with Current Discover Card Credit limit ''? I try to speak to a representative about it and all I got was ; " sorry we can't approve a credit limit increase at this time '', even though I have paid on this account on time every month, never missed a payment. The representative told me that on XX/XX/ 2019 that my credit score was " XXXX '' with XXXX, but that is not true, my credit score as of XX/XX/ 2019 was XXXX with XXXX and XXXX with XXXX ( see screenshot attachment of credit score ), both is good credit, and as of today 's date, the score is still the same. So what the rep told me was a lie. I believe I am being treated unfair regarding " not having credit extended to me for no good cause '', and I contend that after I told the rep that being rude is unacceptable cause " I am a paying customer '', and since my account has been open going on two years, perfect paying record, the credit limit increase should be applied without me having to ask for it. I am a good ; paying customer and I should be treated like it. My complaint regarding unfair business practices ( denying credit limit increase without good cause ), should be investigated. I can understand not extending credit limit increase if the account is not current, but the account is current and over a year old, so with holding a credit limit increase because of the reason ( s ) listed in the letter is not accurate and unfair business practice and biased towards me.
Product: Credit card or prepaid card

I have spoken with several people about the same issue. It was reported in XX/XX/2017 that I was late on 3 of my credit cards ; cards ending in XXXX, XXXX, and XXXX ). When I originally spoke with someone, due to the issue with the autopay and one of the payments being short XXXX  cent, the late fees were removed due to inaccuracy and it was supposed to be fixed with the credit bureaus. On 2 different occasions, a rep told me it would be resolved. When I called back for it not being resolved, I was told the reps didn't add notes and there was nothing they could do. I've been giving the run around and hung up on many times. I can't get anything resolved and they won't fix the issue. The information is inaccurate and I was advised that it would be resolved. If my payment activities are reviewed, they will show that this issue is the only time I've ever been " late '' with my payments. In actuality, I've never been late, this was an issue.
Product: Debt collection

I have a complaint against Transworld Systems , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX ( XXXX ) XXXX. I was treated at XXXX XXXX XXXX XXXX on XX/XX/XXXX for the last Appointment in treating a XXXX XXXX. I have no co-pay from my insurance and never had to pay one for  any of my treatments. All of a sudden I received a statement that I owed {$100.00}. The last time I spoke to XXXX XXXX XXXX at Transworld Systems on XX/XX/XXXX at XXXX XXXX with a complaint because I received a written letter on XX/XX/XXXX from them saying I still owed this money. XXXX XXXX XXXX took my ID # from my health insurance to resolve the problem. I am really upset even more now because they have not resolved the problem because when I received my house insurance bill, I was informed that my credit was now affected and my bill was now higher. I feel that I have been a victim by this company and that they should be stopped from defrauding others.
Product: Debt collection

XX/XX/XXXX received letter from Synchrony Bank our account was sold to XXXX XXXX XXXX for nonpayment XX/XX/XXXX @ XXXX XXXX spk/w XXXX to explain problem XXXX XXXX spk/w XXXX re same as above XXXX XXXX  spk/w XXXX re same XXXX XXXX spk/w XXXX Synchrony Bank re same XXXX XXXX  spk/w   XXXX Syn. Bank Customer Service Fraud who informed our account was closed. Will check on problem and send letter of resolution. Call ended @ XXXX. 
To all representatives we explained we had not a received a bill, paid {$34.00} XX/XX/XXXX, which left account paid in full. Did not remember making a purchase a year before and felt if we had, we would have received a bill. 
XX/XX/XXXX received a welcome from XXXX XXXX XXXX. Also sent CEOs of Synchrony Bank and LOWES a letter describing our plight. Received calls from both. Described plight again. Synchrony said bill returned by USPS unknown at address. When asked what was purchased, Synchrony said no. When asked if we could see the returned envelope, Synchrony Band again said no. Synchrony also stated no further bills were sent nor any phone calls made regarding this now cancelled account. 

XX/XX/XXXX received letter informing us the amount of purchase only {$95.00}. 
XX/XX/XXXX received letter from SB stating as we did not provide any information or documentation we now owe {$370.00} plus interest charges.
Product: Debt collection

This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of  security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of TEXAS medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.