23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am formally complaining about Pacific Premier Trust 's inability to properly display the transaction records for my IRA Roth and Traditional accounts. Nothing at all shows in the transaction records history. Further the Dashboard shows Unrealized Gain/Loss amounts that are totally fictitious. The amount shown are actually the asset values not a gain or loss o them. 

I spent an hour on the phone with the support desk yesterday and they could not do anything to resolve this. On switch over to a new system my old ID/Password combination would not work and my account got locked out. The help desk did restore that but only for top level summary information. No details. 

I am deeply disturbed that the bank can not properly manage and correctly report my accounts. I pay you fees for this. I am not getting value for these fees. I can not access current or historic records I need to complete reconciliations, taxes and/or do valuation/sale of the assets using these records. This is a total failure on the part of the bank. 

I have been on line with the bank 's support desk to no avail. I also wrote a formal complaint as noted above. The support desk said they would get someone back to me in 24 hours. No one has done so. I just checked the account record prior to sending this note and nothing has changed. 

They appear out of control.
Product: Student loan

I have federal student loans with Navient. I went into repayment around XXXX and had signed up for the income based repayment. I soon realized that I would n't be able to maintain my repayment amount and called to find out if I could have my payments reduced or if there we 're any other options available. The loan office I spoke on XXXX XXXX 2016 to told me that my payments could n't be lowered and that my only other option was to put my loans into forbearance unless I provided proof with pay stubs or taxes that my payments were going to be too much to manage. I signed up for the forbearance which was approved XXXX XXXX 2016 and ends in XXXX but I still feel discouraged and doubtful about my loan repayment. The officer was not understanding at all and now I 'm accruing more interest when I could have been paying an amount that would be suitable for me. I was also unaware of a delinquency notice I received and was not told about it when I first applied for forbearance in XXXX of 2016. Meanwhile the notice was sent to me in XXXX of 2016. I believe that people should really reach out to you and no only when they want you to pay a fee.
Product: Debt collection

I have been getting about 10-15 calls a week anywhere between XXXX XXXX and XXXX XXXX  from Midlands Credit Bureau for 6-8 months, to which I have requested to all of them to send me a debt verification letter which I still have not been sent. I have been given no information about the original debt amount which is significantly less than the amount they are requesting ( which is why I have repeatedly asked for a debt vertification ). I've requested that they only contact me in writing and that they send me a debt verification before I continue any negotiations with them, which has been completely disregarded. When I state that I am not interested in speaking on the phone until I get a vertification, the agents get hostile and aggressive, refusing to allow me off the call even when I make it clear I can not be on my phone/have my phone ringing during work. Its become extremely harrassing.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquires on my Transunion consumer report. I have contacted the creditors to get these fraudulent inquires removed but have had no success. These inquires are fraudulent and I need them removed from my report. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed several accounts with XXXX, XXXX and trans union about late payments, it is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( I ) my consumer report should not contain information solely as to transactions or experiences between the consumer and the person making the report. 
Accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations
Product: Student loan

The beginning of my loan with Edfinancial was {$5000.00} I made a two payments on XX/XX/XXXX of {$2500.00} each a total of {$5000.00}. The next day i had to call because my payment history disappeared, but i have bank statement to prove otherwise that the money was taken out of my accounts. 

I called customer service several times, one caller said it should take 2weeks to clear another said 30 days then another representative said to be patient. My Last attempt on XX/XX/XXXX I called and asked why my account now only shows half paid off and that i still owed {$2200.00} in which that is incorrect. 
On the Edfinancial website I'm unable to see what was actually my remaining balance all while interest kept accumulating. So i asked what was my remaining balance the rep said {$130.00} and i made that exact payment on XX/XX/XXXX so interest does not accumulate. 

My accounts should of been paid off on XX/XX/XXXX and today its XX/XX/XXXX and nothing has been done. I received an email from Edfiancial that they are going to fix this and that my account should be paid in full but they are not sure when Finance team will get it done. 

This has been almost 6months to settle Edfinancial is one of the worst companies i have ever dealt with. 

Below was the last email sent to me on XX/XX/XXXX XXXX XXXX, " Thank you for contacting Edfinancial Services. I hope this email finds you well and I do apologize for any inconvenience that this has caused. Your account currently shows a negative balance for one of the loans and a positive balance for the other. The payment will be reapplied to your account by the Finance Department unfortunately we don't have a timeframe for when the payments will be reapplied and your account will reflect that it is paid in full. We appreciate your patience. 

If you have any other questions, you can also chat with us at XXXX XXXX XXXXedfinancialXXXX 

Thank you, XXXX Edfinancial Services We value your opinion and want to know how we can improve your email experience. Please take a minute and provide us with your feedback by clicking on this short survey. 

XXXX XXXX XXXXedfinanciaXXXX XXXX
Product: Debt collection

On  XX/XX/XXXX  O cwen Loan Servicing LLC, said it was No Longer Servicing this Loan #  XXXX  on a letter sent in reply to CFPB a government Agency.   On or about   XX/XX/XXXX  Oc wen Loan Servicing LLC posted property Inspection fees, Legal Filing Service Fees and a GSE-REO Liquidation transaction.   How is this Possible? When the on   XX/XX/XXXX  th ey show a Loan disbursement of  XXXX , to WHO?   They show force placed  Insurance  on   XX/XX/XXXX     XX/XX/XXXX , XX/XX/XXXX .    On XX/XX/XXXX there is an alleged sale  XXXX   XXXX  County Recorders Document #  XXXX  from  XXXX  to  XXXX   XXXX .   and in   XX/XX/XXXX ,   Document  #  XXXX  from  XXXX   XXXX  to  XXXX  and  XXXX   XXXX .   On     XX/XX/XXXX    Ocwen Loan servicing, LLC  shows  6  transaction occurring on that day.   How is this possible since they stopped servicing this loan in   XX/XX/XXXX 6  and it sold twice since?   Also If They did a Full Credit Bid they are precluded from collecting its debt.   Did they Pay  Cash  in Lawful Money of the United States? Please show the receipt and proof of funds .Document #  XXXX  See attach ed 1 )  So what was it   a Purchase? A Credit Bid.
2 ) Was Loan Disbursed? Insurance paid it? or was it Sold?
Ocwen Has violated Title 15 U.S.C 1692c ,1692e,1692f,1692g,1692h,1692i,1692j .  Evidenced by their own admissions to the CFPB complaints submitted.   Also Unjust Enrichment, Filing false insurance Claims, and other Financial Crimes R.I.C.O. related
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 confidentially under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602 a state i have the right to privacy. 

15 usc 1681 section 204 a section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions. 

15 usc 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a 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

XX/XX/XXXX my credit score was XXXX. In XXXX of XXXX, I called Social Security and requested that my income be transferred to XXXX XXXX XXXX. 

The woman who took my banking information transposed one digit of the bank 's routing number. As a result, my monthly income was not deposited on time. Every month I paid off my XXXX in full. XX/XX/XXXX, I wasn't able to do that because of the SSA representative 's error. So, I paid the minimum. XX/XX/XXXX ; I paid the minimum on the XXXX. 

XXXX XXXX XXXX asked if I wanted an increased amount on my XXXX and I said, " yes. '' I also applied for a XXXX XXXX credit card. I had one several years ago and was pleased with the company 's customer service. 

Both XXXX  XXXX XXXX and XXXX XXXX ran my credit which lowered my score by a few points. 

My score in XXXX of XXXX was XXXX. 

Transunion ruined my credit rating when they lowered my score to XXXX on XX/XX/XXXX. I've read about the lawsuits that were filed against this company. I'm considering filing a lawsuit against them too. 

Transunion does not have my correct name. I am XXXX XXXX. Years ago I was married to XXXX XXXX. He's dead. I am legally " XXXX XXXX '' and have the paperwork to prove it. I went to court in XXXX of XXXX and was granted a name change.
Product: Debt collection

On XXXX/XXXX/XXXX I went to XXXX Medical Center for a XXXX. I stayed in the hospital overnight. A few weeks later the bills started rolling in and I agreed to pay the remaining {$1000.00} after insurance was collected. XXXX began billing me and each statement was different after agreeing to a monthly {$100.00} payment. I paid {$100.00} on XXXX/XXXX/XXXX and waited for the next month statement. On XXXX/XXXX/XXXX the statement was for {$2200.00} and I contacted both the hospital and my insurance. The insurance called XXXX and they agreed that there was an error and they would send correct statement. On XXXX/XXXX/XXXX I got another statement for {$2200.00}. I again called the hospital and insurance and the insurance contacted XXXX and again they said they erred and would send correct statement. On XXXX/XXXX/XXXX I got a letter from debt agency indicating I was sent to collections. I have a credit score of XXXX. I called XXXX again on XXXX/XXXX/XXXX and asked what was going on and they said it was my responsibility to pay and I explained how they were sending me wrong statement amounts and that I would have gladly paid the {$100.00} a month if they did their part and statement showed correct balance. 

I hope you can help me with this, I have no issues paying the monthly or even full balance if I could get someone there to understand how they erred and I should not be taken to collections for something out of my control. I always get a different supervisor with different answers on how all of this was my fault even though I set up a payment plan and they failed to bill me.
Product: Vehicle loan or lease

On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Money transfer, virtual currency, or money service

Commencing around XXXX of XXXX, XXXX my XXXXXXXX XXXX XXXX was swapped by hackers, who then gained access to my Coinbase account. The hackers transferred {$34000.00} from my account to their wallet. Despite my attempts, I was unable to regain access to my original Coinbase account. After about a week Coinbase had me open another account and transferred the remaining {$1400.00} to my new account.
Product: Mortgage

problem is XXXX reporting what select portfolio servicing, XXXX XXXX and XXXX XXXX are sending them. I have disputed several times with all XXXX agencies and XXXX or XXXX with this cfpb. my wife and I were in a mortgage that was an A R M and before it started to change we tried to refi with no success we later ended up filing chapter XXXX bankruptcy in 2006. we still tried to keep the house and get a modification from the bank with no success ended up rolling the house in to the bankruptcy thru a modification approved and passed thru by the trustees office mortgage company was XXXX XXXX then XXXX XXXX then XXXX to now select portfolio servicing is reporting improperly to credit agencies reporting late pays 120 days or more on an account number we never had XXXX tried to say we excepting a modification and started reporting late pays on that account that was never excepted or approved if any report it should say house was surrendered back to bank in a chapter XXXX bankruptcynow we are trying to buy a new house for us butt have this big issue to fix
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter is a XXXX XXXX XXXX XXXX and has a XXXX XXXX Student Loan. I was under the impression that while she remained a XXXX XXXX XXXX  the loan would gain interest but did not have to be paid back until after she XXXX. I was also under the impression that any and all payments made while she was still a XXXX XXXX XXXX were optional.

I made several interest only payments but did not do so in XX/XX/2017 which resulted in a negative report on my credit report ( 60 days late ).

I disputed this with experian and was denied. I contacted XXXX XXXX  and was told that interest only payments were still required during the time my daughter was still a XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a plane ticket using Chase Rewards Points before the pandemic on XXXX XXXX for a total cost of {$2700.00} or XXXX points. As that flight was schedule to travel to XXXX in XX/XX/2020 where there was already widespread covid-19 infection, I took advantage of the airline 's travel waiver to change to a flight to XXXX XXXX for XX/XX/2020. The airline cancelled my flight and refused to refund me. While they issued me a credit, it's about to expire ( I have no need to travel at this time ), they are legally entitled to refund me my money, but they will not. Chase has done nothing to return my points or get XXXX to return the value of the ticket to me. ( They say they've called the airline, but this isn't helpful ) As the booking agent, they should be helpful in assisting me in returning the value of my ticket. ( They could even process a charge back for the stolen value of the ticket, but they refuse to do this ). 

I would like chase to return my points for the flight I purchased that was cancelled that I was unable to take.
Product: Credit reporting or other personal consumer reports

Date : XXXX Experian Consumer Services XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear Experian Customer Service, I am writing to formally dispute incorrect information on my credit report, which I obtained from Experian. Upon reviewing my report, I have identified discrepancies that I believe are not reflective of my true credit history. 

The inaccurate information is as follows : [ Describe the misinformation, e.g., incorrect account status, wrong account balance, account not belonging to you, incorrect late payments, etc. ] Issue : These old information that shouldnt be on my report are still there. Such as old address, data, email, background checks. 

I have already attempted to resolve this issue by [ describe any steps youve already taken, e.g., contacting the creditor directly, previously submitting disputes, etc. ], but the issue remains unresolved. 

Under the Fair Credit Reporting Act ( FCRA ), I request that Experian investigate and correct the erroneous entries on my credit report. Please provide me with a written response within 30 days detailing the results of your investigation and any changes made to my report. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution.
Product: Debt collection

I sent out dispute letters on XX/XX/2021 Which was over 30 days ago to Complete Credit Solution, my complaints was to have debt validated and proof to collect debt in my state. I have never had an account with this complany. I have ask for proof of my wet signature and this company has yet to provide that. I also sent a second notice on XX/XX/2021 which also was well over 30 days ago. Failure to provide proof also. I have not heard from this company since then. XXXX, XXXX, and XXXX is also reporting this information inaccurate STILL after disputing with them multiple times. They also have failed to provide me proof.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # # # # # XXXX, # # # # # XXXX, # # # # # 1957 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: Payday loan

Company claiming to be a debt collector keeps calling me and texting me from different numbers stating I have to pay for a payday loan from Advanced America from XX/XX/2013, and that they are going to come to my job and arrest me. They state they are calling from XXXX and I spoke with a gentlemen by the name of XXXX XXXX. I have received calls, text messages and voicemails from the following phone numbers : XXXX, XXXX, XXXX and XXXX.
Product: Debt collection

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or companywithout my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent account : LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Citigroup has decided to make banking decisions on social policy rather than on sound business decisions. How can banks deny banking services to perfectly legal businesses? 

With all of the highly personal information that banks collect ; how long before they start enforcing their social policy on consumers? I think the banks that had such poor policies that they required almost {>= $1,000,000} of US taxpayer money shouldn't be trying to push legal businesses out of business. 

We need all banks to follow the laws that apply to they and not be listening to fringe groups that encourage them to break the laws of banking. Americans need you to come down hard on banks that aren't following laws and policies that are meant to protect ALL legal businesses and people in the USA.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand immediate action regarding the fraudulent and unverifiable information on my credit report. My recent investigation into my credit file revealed inaccurate, unsubstantiated items, and a direct result of identity theft. This has caused me severe emotional distress, which your agency is legally responsible for addressing. Under 15 U.S.C. 1681e ( b ), your agency is required to ensure the maximum possible accuracy of the information contained in my credit report. It is abundantly clear that this obligation has not been met, and I hold your agency fully accountable for this oversight. Furthermore, under 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to a detailed description of your agency 's procedures to verify the accuracy and completeness of the disputed information. This includes the business name, address, and phone number of any furnisher of the information in question. I demand that this description, including all related documentation, be provided to me within 15 days of this request. 

I have previously notified your agency that I am a victim of identity theft as a result of the Equifax data breach. Attached is my Federal Trade Commission ( FTC ) Identity Theft Report. I have already demanded the immediate removal and blocking of all fraudulent information from my credit report as required by 15 U.S.C. 1681c-2 ( a ). However, the following items remain on my credit report, and this failure to act is unacceptable. 

Items in Question : XXXX XXXX XXXX XXXX XXXX It is out of date and does not comply with reporting obligations and consumer legislation. I kindly request that you provide documentation confirming compliance, and I demand that any wrong, incomplete, or unsupported material be deleted from your records. 

I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX - XX/XX/year> - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report XXXX XXXX XXXX XXXX  My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report XXXX - XX/XX/year> - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report