23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Back in XX/XX/XXXX I got contacted by US Student Aid supposedly saying that they were calling from US Department of Education to help me forgive my loan due to my school ( XXXX XXXX XXXX ) being closed and sued for misleading students and unfilled promises. I proceeded with the application process and paid them a fee for them to complete and submit my application. They told me I got approved for loan forgiveness. Recently I tried to apply for a personal loan and I found out that I had severe delinquency w/my student loan that was supposed forgiven. I immediately contacted them and found out they have been sued by the US Federal trade commission for scam and fraud on XX/XX/XXXX. I learned that my loan approved and forgiven was transferred to XXXX XXXX XXXX   that I owe money and accrued interest ( from XX/XX/XXXX to current ) on my student loan. 

I've asked XXXX XXXX XXXX to stop the delinquency, but they're not able to help me with my credit issue until my claim is resolved.
Product: Debt collection

Navient is calling repeatedly. Getting multiple ( 4-6 ) phone calls per day, some as late as XXXX. Generally call twice in a row each time. If the first call is ignored, they 'll call again immediately after. Even when answering the call, they wo n't say anything and it 'll just be silent. They 'll leave silent voicemails when a call is n't answered.
Product: Debt collection

I have tried numerous times to contact the collection agency RMP SERVICES LLC ( 2 collection accounts ) to verify the debt being reported on my credit file. I have been unable to speak with someone who has information on the account, their system does not recognize my pertinent information as a valid account. 


Contact RMP Services LLC XXXX XXXX XXXX XXXX XXXX, TXXXXX  ( XXXX ) XXXX Contact RMP Services LLC XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX
Product: Checking or savings account

Since XX/XX/year>, I have been unable to access my funds, and despite multiple attempts to resolve the issue, I continue to face denial and a lack of assistance from my financial institution. I have reached out through various channels, including phone calls, emails, and even visits to the bank, but the issue remains unresolved. Each interaction has been documented meticulously, yet the problem persists. I have asked to speak with supervisors and managers, but no satisfactory resolution has been provided. This situation is causing significant stress and inconvenience, and I am considering escalating the matter to regulatory authorities or seeking legal advice to regain access to my funds.
Product: Credit reporting or other personal consumer reports

Dear Equifax : Thank you for taking my complaint Re Request for deletion XXXX Bank charge off XXXX for failure to investigate properly History XXXX. On or about XX/XX/XXXX. XXXX I requested an investigation on my account specifically the XXXX charge offs. I only have XXXX charge offs so theyre not difficult to find. I reported inaccuracies on these XXXX charge offs. 

XXXX. After patiently waiting, I was told that the investigation was complete however the inaccuracies for the XXXX charge offs remain XXXX Because the inaccuracies remained, I requested a more thorough investigation that involved more than just asking the data furnishers since the inaccuracies were created by the data furnishers in the first place XXXX On XX/XX/XXXX Equifax informed me of their so-called completed investigation, which merely involve the so-called data furnishers once again XXXX Because the investigation was not thorough like I had requested. I still have inaccurate information on my credit report that was not corrected. 

If the credit reporting agency determines that the disputed information is inaccurate, incomplete, or can not be verified, the credit reporting agency must promptly delete the disputed information from the consumers credit report or modify the disputed information as appropriate XXXX 15 U.S.C 1681 provides that I am entitled to a through investigation and that the inaccuracies must be corrected or promptly deleted XXXX Equifax did not correct nor delete the incorrect information associated with the XXXX charge offs and therefore I am requesting an immediate deletion XXXX I will submit a new complaint for each inaccurate information on my account that was not deleted nor corrected XXXX The item that needs to be deleted because of inaccurate information is the charge account from XXXX Bank account ending in XXXX XXXX The inaccurate information for the XXXX Bank charge off is : XXXX A wrong year of birth that XXXX Bank has been informed of on XXXX different occasions. XXXX Bank and Equifax have also been provided with my drivers license. XXXX Bank suggest that this is not my account and will not allow me to access it leading to confusion. The year of birth on my XXXX Bank account and my Equifax do not correspond XXXX The date of last activity for the same account is not consistent through all the credit reporting agencies XXXX. I have provided another copy of my drivers license and Social Security card with this complaint. 

XXXX This account being reported has caused me damage and loss and a significant amount of wasted time. Please removed the XXXX Bank charge off immediately. 

Thank you for your time Sincerely XXXX XXXX
Product: Credit card or prepaid card

I had a credit card from capital one bank. I had gotten the card in the year I think between ( XXXX or XXXX ) I have been paying them well each month and I did have problems from the beginning I send my payment a long ahead of time my first payment they had gotten it and lied claimed they didn't was holding it and tried to charge me a late charge and already had my payment. Secondly I had started seeing them charging me double for the same bill. And this had been going on since ( XXXX ) I caught it and asked them to return my money that they are charging me double and they denied it and I told them it's illegal and it's ( fraud ) I always had trouble and problems with them sending my monthly statements they always refused me my monthly statements and that tells you then they are not fair and charging people 's double payments. So I finally got paperwork from them but not all my payments statements i been paying A ( XXXX ) credit card fee since ( XXXX or XXXX ) and now it's ( XXXX  ) I caught them defrauding my account charging double I have been paying them ( XXXX a month all this time ). Now in the one statement they sent me they included another person bill threatening me to pay it! Never heard if this person in my whole entire life! Something is wrong with ( capital one bank and their fraud illegal dealings. What on earth is wrong with these people 's needs XXXX XXXX! The answer no! They are just plain to the eyes thieves cheaters and robbery. How can I file an abrivbration against them for false charging and pressing and threatening me to pay a stranger bill with a one statement they sent me since I got the card! Let me tell you this company is a fraud they closed my card because I filed a complaint against them and did not call me or write me about it! And I am still sending them payments. I pay them good every month early and never missed a payment. And they still not sending me my statements for payments. How can I sue them and they needs to be investgated and taken to court fined and be put in prison. This is fraud and very upsetting sending me another human being bills and refuse to send me my bill statements this! Insane and fraud.
Product: Credit reporting or other personal consumer reports

I sent several XXXX dispute letters to XXXX, transunion & XXXX contesting the validity of a bankruptcy and asked them to send physical proof that the bankruptcy court had verified the debt. All of them claimed it was valid without sending proof so I wrote them myself and have a letter confirming that in fact the credit reporting companies had NOT VERIFIED the debt with the court because the court does not report bankruptcy to the credit companies! I have a copy of this letter and I want it deleted immediately or I will sue for punitive damages!!
Product: Credit reporting or other personal consumer reports

I had a fraudulent activity on my account dated back since XX/XX/2023. This involves my XXXX XXXX XXXX credit card in which my account was charged {$17000.00}. Immediately I got the charges I alerted XXXX XXXX  and XXXX 's. I went to the police made a report XXXX XXXX XXXX XXXX. I went over to XXXX  on three occasions called a police trying to get a footage of the transactions. They refused to give it to us. I was on the line with XXXX  XXXX and XXXX XXXX  asking why dont they coordinate to resolve this matter. Meanwhile it is still showing on my credit report affecting negative as it is showing I have used 75 % of the total on the card. XXXX XXXX  refused to give a letter to remove it off my credit.
Product: Credit reporting or other personal consumer reports

I received a letter from LexisNexis Consumer Center dated XX/XX/2024. 

Subject line is " RE : Unable to Process Request '' As far as I know, I never made a request with LexisNexis as this is the first I have heard of the company. I called the phone line and they wanted me to give all of my personal information before they would tell me what this is about. It felt really dodgy and I don't know what is going on. The representative on the phone was unable to help. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inaccurate late payments reporting on my TransUnion credit report from XXXX XXXX XXXX listed in XX/XX/XXXX and XX/XX/XXXX. I have disputed the inaccurate late payments with TransUnion but the bureau refuses to remove the inaccurate information stating that XXXX XXXX XXXX verified the late payments as accurate. I have contacted the company and Ive been informed that there are no late payments reporting on my closed account. The car payments were due on the XXXX of each month. I am attaching a copy of my personal bank statements showing when the payments were withdrawn from my checking account. The XX/XX/XXXX payment was withdrawn on XX/XX/XXXX ( which is not 30 days late ). The XX/XX/XXXX payment was withdrawn on XX/XX/XXXX ( which is not 30 days late ).
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Western Union regarding a recent issue I encountered with their services. I am seeking your assistance in resolving this matter effectively. 

On [ Date ], I initiated two separate transactions with Western Union under the Money Transfer Control Numbers ( MTCNs ) XXXX and XXXX. The total amount transferred was [ $ XXXX ]. These transactions were carried out with the expectation that the funds would be available for collection by the intended recipient promptly. 

However, to my dismay, the funds were not available as promised. This left me in a state of frustration and inconvenience, as the intended recipients were relying on these funds for urgent matters. 

Subsequently, I contacted Western Union 's XXXX XXXX and raised a complaint regarding the unavailability of the funds. In response to my initial complaint, I received a communication from Western Union 's Customer Care team on [ Date ]. They mentioned a re-evaluation process that I would need to undergo. This process was not clearly explained, and it left me confused and concerned. 

I fear that some form of discrimination or unfair treatment may be involved, and I believe that transparency is crucial in resolving this matter. 

The primary purpose of my complaint was to address the issue of funds not being available as promised. I now request Western Union to provide me with detailed information regarding the re-evaluation process and its direct connection to my initial complaint. I strongly believe that clear communication between the company and its customers is essential for a fair and satisfactory resolution. 

I have already informed the sender to collect the refunds from Western Union 's agent locations, using the same MTCN numbers mentioned earlier. Nonetheless, I want to emphasize that the availability of the funds is of utmost importance to me, and I expect a swift resolution to this matter. 

I kindly request the Consumer Financial Protection Bureau to intervene in this dispute and assist me in obtaining a clear explanation from Western Union regarding their re-evaluation process and the handling of my initial complaint. I hope that with your intervention, Western Union will take prompt action to rectify this issue and ensure that such problems are not encountered by other customers in the future. 

I appreciate your attention to this matter, and I look forward to your prompt response. Please do not hesitate to contact me if you require any further information to proceed with this complaint. 

Thank you for your assistance.
Product: Checking or savings account

RECEIVED THE WRONG INTEREST RATE FOR MY MONEY MARKET ACCOUNT. OPENED THE ACCOUNT IN XXXX XXXX FLORIDA IN XX/XX/2016. MOVED TO OHIO IN XX/XX/2016. HAVE BEEN RECEIVING THE FLORIDA RATE FOR TWO YEARS, AND I WANT THE CORRECT INTEREST RATE APPLIED TO MY ACCOUNT. BANK TOLD US THAT WE WOULD HAVE TO CLOSE THE ACCOUNT AND REOPEN IT. WOULD NOT MAKE UP CORRECT INTEREST.
Product: Checking or savings account

I was charged overdraft fees and allowed to have unauthorized charges pull from my account with no money in the account cause me to pay excessive amounts in overdraft fees
Product: Credit card or prepaid card

I initially applied for an AMEX XXXX XXXX Gold back in XX/XX/XXXX. The offer was cancelled according to Amex because I changed to an AMEX XXXXXXXX XXXX When I made the change back in XX/XX/XXXX over the phone the Rep. did not advise me that I was going to lose my credit card offer and there was no offer with the XXXX card. I had asked Amex to pull the call and listen to the conversation. They have not done so and have dismissed all of my inquiries into the matter since XX/XX/XXXX. During this period, I opened a personal Amex XXXX gold and when I filled the application on their website, I was told that I would not be eligible for the offer because I already had the offer in the business card. This of course did not make sense because they are two separate cards ( one business and one personal ). Now Amex is contending that I did not receive the offer on my personal card because of the business. However, a month ago after multiple calls an Amex Rep told me that I lost business card offer because I changed from business gold to platinum. If I lost the offer on the business side, why I am not eligible to get it on my personal card? I called again XX/XX/XXXX and was told by another Rep. that they are still investigating the matter. When I asked why is taking months from my first inquiry, she was not able to respond and disconnected the call. I need assistance to get to the bottom of the bait and switch tactics that Amex is employing with their credit cards.
Product: Mortgage

Midland mortgage company committed deception during the last complaint I submitted through CFPB. Case # XXXX. Midland mortgage company claimed that the remedy was monetary relief but no monetary relief was ever given to me nor was it distributed to the account I have with them. They lied about the relief and they never fixed my delinquent taxes. Why was the case closed when they didn't do anything to fix the problem or address the concerns!!
Product: Consumer Loan

I took out a best XXXX XXXX card and it went into collection. in XX/XX/2015 I got a payment notice from them and said I was unemployed and could n't pay them any money because I was n't receiving any unemployment and my wife and I were barely getting by on what she was making. I sent them a check for {$25.00} along with a letter explaining our situation and that as our situation allowed we would start to pay small amounts towards the debt. I also asked that all communication be in writing.They never cashed the check and they did n't communicate with us for a year about setting up a payment plan. I did n't hear from them until last spring. They filed a lawsuit against me for a little over {$2500.00}. I tried contacting the collection agency to set up a payment arrangement and they had no record of the account let alone that it had gone into litigation. My wife and I ended up moving and again we had n't heard from them until XXXX where we got a court order for them to take my state tax return that was dated XXXX. I called them last week and explained again that I had been unemployed and just got to the point to where we can start paying on this bill. They wanted the full amount right then. They were n't interested in setting up payment plan.
Product: Credit reporting

I 've enclosed my recent credit file dated XXXX with a date of XXXX delinquency ( XXXX which according to FCRA guidelines & regulations determines the start date of the the 7 year period that this particular item shall be reported. ( exclusion date XXXX ) .I reached out to Equifax XXXX to inquire if it had been excluded however I was appalled to learn that this item ( XXXX XXXX ) credit report number XXXX had been illegally RE-AGED to start the clock over again.I 've took the initiative to research this matter further with the F.C.R.A being the predominant source of information and learned that the delinquency date CAN NOT & SHOULD NOT be re-started under any circumstances, the new date that i was given was XXXX!! Unfortunately Equifax has no regard for proper reporting of consumers information.I would appreciate greatly your assistance in this matter ... ... sincerely, XXXX XXXX.
Product: Mortgage

I have requested the loan servicer, Lakeview Loan Servicing LLC ( XXXX ), to establish the escrow account so that my monthly payments would include the property taxes and insurance. I have brought this attention to them multiple times via the phone and the email, and yet they have not responded to me. My first payment is XX/XX/2021 and every time I called them they keep on pushing back the date of completion for this loan escrow analysis. I have submitted multiple tickets with them on the same matter, ticket numbers are XXXX, XXXX, XXXX, and XXXX. The first time was submitted on XX/XX/2021, more than 2 weeks ago. There was system generated confirmation from XXXX confirming the receipt. I also attempted to email the servicer via their email at XXXX, and have not gotten a response as well. In fact, I spoke with the customer service supervisor, XXXX at XXXX, and I was promised this would be done. 

As of today, XX/XX/2021 I have not receiving any correspondence from the company regarding the changing in my monthly payment due to my request for the escrow account even though all the paperwork was submitted.
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Resolving XXXX XXXX XXXX XXXX XXXX XXXX Case To Whom It May Concern, I hope this message finds you well. I am writing on behalf of a federal award recipient authorized by the U.S.

Department of Health and Human Services ' Office on XXXX in Persons ( see attached Confirmation of Authorization ). This letter is to inform you that the XXXX XXXX XXXX has verified and determined XXXX XXXX is a victim of a severe form of XXXX XXXX XXXX, as defined under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX, as defined under 22 U.S.C. 7102 ( 12 ) in accordance with the qualifications for blocking adverse credit information according to 12 C.F.R. 1022.142 ( see attached rule ). XXXX XXXX XXXX is an organization dedicated to advocating for the rights and welfare of individuals affected by XXXX XXXX, including debt bondage. 
Our mission involves supporting and advocating for victims of XXXX XXXX, a severe violation of human rights and a modern-day form of XXXX. We aim to provide assistance to these individuals and work with various stakeholders to raise awareness and address this critical issue.

In our work, we have come across a case where an individual 's credit report shows an outstanding debt, which we strongly believe is linked to debt bondage. The nature of this debt raises significant ethical and legal concerns, as it may involve coercive or fraudulent practices, resulting in an unfair financial burden on the individual. We request your assistance in blocking and deleting any accounts negatively impacting her credit profile. Thank you for your consideration. We look forward to collaborating with you on this important matter. Please feel free to contact me at any time. 

Sincerely, XXXX XXXX
Product: Mortgage

I have owned my home for 30 years and it is now home to me and my XXXX grandchildren. I am retired and taking care of them. In 2009 I was pushed to refinance into an FHA loan by my daughter ( in order to benefit her ) and this raised my monthly payment over {$400.00} and added mortgage insurance. Not long after that I found out that my daughter was stealing from me and that she had a lot of problems. I was okay with the mortgage payment at that time because I had a good job and could afford it. However I was laid off after 24 years from my XXXX job and struggled with my mortgage payment and eventually fell behind. 

This loan is with Wells Fargo and I began trying to work things out with them but it was very difficult to make any progress. Instead of reviewing me for assistance programs for FHA loans they are ignoring me and moving me into foreclosure. I am concerned that my daughter may have gotten involved in the process and this has led to these problems. Wells Fargo should know that I am the borrower and that unless there is a signed authorization they should be dealing directly with me in regards to this issue. 

My main worry is I know that there are programs for FHA homeowners who are late on their mortgage and I would like Wells Fargo to work with me to try and qualify for these programs like modification or partial claim or forbearance agreement or repayment plan.. I have a pension and get SSI and can afford a fair payment. I do n't know what the problem is but I hope that they will decide to work with me instead of ignore me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Address wrong information duplicate address that do n't exist nor are my address : these are not right address : These are condo units not apartments XXXX XXXX XXXX XXXX APT XXXX -- -No such address XXXX CA XXXX Right Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I 'm also reporting to the FTC for all these address duplicated and wrong information on my file
Product: Checking or savings account

Chase Bank closed my checking and savings accounts but did not provide a reason for doing so and will not provide a reason when asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spoken with representatives from this company at least 2 times per month beginning XX/XX/XXXX. They offered me accommodations due to Covid-19 by moving my due date and allowing payment arrangements until account is caught up prior to my account becoming late. 

PURSUANT to the federal cares act 15 U.S.C. 1681 if a furnisher was offering accomodations prior to an account becoming past due, the creditor/furnisher must continue to report the account as current. 

XXXX did the opposite. They reported false, inaccurate info to the XXXX major credit bureaus in XX/XX/XXXX and now because I filed a dispute with the credit bureaus they have now retaliated against me and reported past due in XX/XX/XXXX, as well. 

This is illegal and in violation of law. I've spoken with XXXX and advised him of the law ( Cares Act ). 

XXXX has refused to continue to report my account as current affecting my XXXX XXXX and the ability for me to get Financial assistance from the XXXX ( XXXX XXXX XXXX ) due to a XXXX point drop in my XXXX XXXX. 

This is my final attempt before filing in federal court.