23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a deed in lieu of foreclosure with Ditech in XXXX XXXX, it was finally approved in XXXX XXXX, I had to resubmit all paper work because they told me that the application that was submitted in XXXX was out of date. I complied with their request. They approved the Deed in lieu in XXXX XXXX, after outright lying to me, telling me I had a lien on the property, when there was no lien. I went to the XXXX court and checked the land records for XXXX county, there was no lien on the property. However, the kept telling me that the lien was holding up the deed in lieu. Finally, in XXXX XXXX, I was sent paper work to sign agreeing the the deed in lieu. I have complied with every requirement contained in that letter ( see attached ), so it was no reason for Ditech not to fully executed the deed in lieu as promised I completed all the paperwork and sent back to Ditech by certified mail. I have heard nothing from them since submission of my paperwork. I can not contact them, they will not return my calls, nor respond to my request for a status on the deed in lieu. Then in XXXX XXXX, I received a Notice of Intent to Foreclosure and no one can tell me what happened to my approved application for a deed in lieu.
Product: Student loan

I stop trying to get information about my loans from Navient who was Sallie Mae before. I took a break from school and was paying my loans down. I got them down to around {$10000.00} dollars about before I decided to go back to school. Then during my time back at school my loan total shot up to {$58000.00} about, but it only cost me around {$25000.00} to finish back up. Roughly was thinking around {$35000.00} in debt to pay back when it's all said in done, but {$58000.00} I couldn't wrap my head around. Tried for 6 to 8 months to get information on how this number got so outrageously high in 2 years I was in school ; however, they would never tell me. 

I just want actual evidence of how this got to be so high, that seems rather highway robbery to rack up {$23000.00} in interest while in school. 

Then I'm seeing all these lawsuits against Sallie Mae and Navient which all of my loans are from. 

Just want to make sure everything is correct ; however, I can not get anywhere. 

Feels like something really shady since I can not get answers or metrics on how this happened while I was in school full-time. Aren't these loans suppose to freeze whilst in school. {$25000.00} to go back to school, and rack up about {$23000.00} in interest from {$10000.00} that I paid down to. It's very odd, and I would love answers. 

Thanks for your time, XXXX XXXX
Product: Debt collection

I have tried to get this deleted and removed from my credit report, because this is in my belief is a form a double billing. This is and XXXX visit where I have dual insurance that paid in full the hospital. I am not responsible to paid the doctor separately who was employed by the hospital at that time, not as I informed that it would be a separate charge. Now the hospital have shared my records and billing to an 3rd party. I did not authorize them to share any of medical information to anyone which I believe it falls under the Hipaa law.
Product: Checking or savings account

I received an email from Wells Fargo indicating that I had opened a checking account with them, which was not the case. After speaking with a representative, they informed me that ( 1 ) I should start looking into potential identity theft and ( 2 ) they would be putting a hold on my account and starting a fraud investigation ).

It's now been over a month, and there has been no indication that my identity has been stolen ( after all, nobody has attempted to open a new loan or credit card in my name and my credit score and report at still the same ). Given that, I suspect that it was fraudulently opened by someone at Wells Fargo. 

Additionally, my Wells Fargo checking account is still open and I am getting constant emails from them about adding funds, etc. I have now called Wells Fargo to try to close my account multiple times, but each time they say I have to wait on hold for someone in their fraud department ( which I've attempted to do so several times unsuccessfully, having waited on hold for several hours and listening to mind-bendingly repetitive music ). When I connect with someone from a different department, they tell me that the only option is for me to wait on hold ( as that can't give a time estimate for waiting, don't allow for a customer call back for their fraud department, and don't give you an option to email them ). 

All I want is for my account to be closed and to not be charged anything. There should be an easier way than this.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to no customer service being available and unfair practices which violates the Consumer Financial Protection Act. Cash App failed to make timely and effective measures to prevent and even address fraud in their platform which left my account vulnerable to fraudulent activity and unprotected. Their resolution process is unfair and very deceptive they did not comply with error resolution requirements under the Electronic Funds Transfer Act and Regulation E. Their actions have caused a significant inconvenience and financial loss and I seek appropriate readdress this issue and compensated for these issues.
Product: Debt collection

XXXX allowed XXXX to charge me twice after the first transaction was rejected after I rented an XXXX  where the hosts threatened me and I didn't stay a single night. XXXX then sold the balance to collections, ACI-US, and never removed it from my account. They then deleted my account and they are in possession of months of my music streaming royalties and are refusing to do anything to solve the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized inquiry on my credit report made by XXXX XXXX XXXX on XX/XX/17 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.
Product: Payday loan, title loan, or personal loan

I have had a Personify Financial loan since XX/XX/XXXX. As part of the set up of the loan, I elected to have Personify Financial automatically charge me every two weeks per the loan agreement. There was no issues until XX/XX/XXXX which is one of my scheduled payment dates. The payment was deducted from my bank account as usual ( my bank account was debited {$160.00} ) but was reversed ( money was still debited, there's no refund or credit on my bank account statement ). As part of the loan agreement, after a set amount of on-time payments there is a reduction in interest by 2 %. At the time my loan rate was supposed to decrease from 53.40 % to 51.40 % and my new monthly payment was supposed to be {$160.00}. On XX/XX/XXXX there was a charge for {$74.00} that appeared but since I was on auto-pay I did not worry because my assumption was that the normal amount would be debited. Fast forward to XXXX XXXX XXXX, I noticed my account was in bad standing and that I owed two payments. I immediately attempted to contact Personify who advertised their customer service hours as being available from XXXX to XXXX yet I was always met with a message that their center was closed despite it being early noon. I decided to email them and it stated that I would receive a response but have yet to receive a response. This was over a month ago and as a result, I have paid more interest that I would have had the payment been processed normally. There are no issues with my bank account and it was only until XX/XX/XXXX ( one month and two days later ) that the company notified me that my payment had been late. Since I have not heard a response from the company, I have decided to file a complaint in hopes of getting this addressed finally.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was previously reported to the FTC Report No. XXXX. I have not received an update. 
I learned on XX/XX/XXXX from EXPERIAN that XXXX XXXX has flagged my account as CHARGE-OFF on XX/XX/XXXX with a Balance of {$38000.00}. 
My letter to the director of finances of XXXX XXXX ( XX/XX/XXXX ) Formerly Loanpal 1. The Loan Closing Certificate dated XX/XX/XXXX, indicated that the Total Loan Amount was {$38000.00} 2. The Amortization Schedule of the First Year [ XXXX ] called for 12 payments of {$160.00} or {$2000.00}. 
3. The Amortization Schedule of the Second Year [ XXXX ] called for 5 payments of {$160.00} or {$840.00} plus 7 payments of {$240.00} or {$1600.00}. Thus, a total of {$2500.00} were paid. 
4. From XX/XX/XXXX to XX/XX/XXXX XXXX XXXX received {$1600.00}. 
This time was when the automatic withdrawals were stopped because, without previous warning, XXXX appeared on the scene. 
5. Thus, SINCE THE INCEPTION of the loan up to XX/XX/XXXX, XXXX XXXX XXXX was paid {$4500.00}. 
6. Further, the XXXX XXXX statement of XX/XX/XXXX gives the Outstanding Principal {$37000.00}. Yet, according to an Annual Amortization Schedule by XX/XX/XXXX, the end of the Second Year, the Outstanding Principal should be {$35000.00}. Thus, I request a copy of your amortization schedule. 
7. The attached checks for {$720.00} each to my letters of XX/XX/XXXX, and XX/XX/XXXX, were CASHED ON XX/XX/XXXX and XX/XX/XXXX. Thus, {$1.00}, XXXX are to be added to the {$4500.00} paid up by XX/XX/XXXX for a total of {$6300.00}. The Total Amount Due by XX/XX/XXXX, is {$7400.00}. Thus, the remaining amount to fulfill the Third Year Amortization is {$1100.00}. According to the Annual Amortization Schedule by XX/XX/XXXX, the end of the Third Year, the Outstanding Principal should be {$34000.00}. 
So, where is the reason for CHARGE-OFF on XX/XX/XXXX with a Balance of {$38000.00}?
Product: Credit reporting or other personal consumer reports

I am writing to formally address the recent denial of my demand to remove certain non-public information from my consumer report, specifically the inclusion of bankruptcy information. Your response to my last complaint was wholly inadequate and ignored the pertinent details of my request. I advised in my prior complaint that Equifax DOES NOT have permission to share non public information pertaining to a bankruptcy and their response was they verified it. Well I have proof from the US Bankruptcy court saying they do not send private information to anyone so that means Equifax received this information from a third party that also did not have my permission to seek out the info nor share it. I want to know where Equifax got this information from, dates that this company verified it, and the names of those individuals acting on behalf of Equofax and whatever other third party they use to fish out people 's private information. This is my last demand, not request, for this information to be removed before I assert my rights legally. I am attaching Equifax 's response which includes absolutely no detail on their verification.
Product: Debt collection

Received letter from First Federal Credit Control on XX/XX/XXXX, attempted to call on XX/XX/XXXX and every two weeks after requesting proof of debt. Hospital they collect for has a poor billing system and I wanted to see this invoice and either provide proof of payment or pay immediately. 

Called number and agent provided in letter. Never get to her ever, left explicitly detailed voicemail every time. No return calls ever, no proof of debt ever provided, submitted to the credit bureau without attempting to resolve with me or give me a chance to settle.
Product: Mortgage

Good Morning, I made a payment on XX/XX/XXXX for the amount of {$1400.00} and then the next day the mortgage company ended up pulling out another amount the next day through their auto pay feature. I called them and let them know and they apologized and said they would get it fixed. I saw that the money was returned to my bank the next day. Following week or two I get a call saying I am late on my payment and explained to them I made the payment and they apologized and saw that the payment was made on XXXX and said they would fix that. I waited a little bit more and was wondering when my request was going to go through and they said that it takes time and they will reach out to me. I wait a 1 week into XXXX and saw that my credit report was hit with a late payment from PHH Mortgage. I asked them about it and they stated I had not made my payment. I explained that I have been working with them on getting this resolved, it took them over a month to let me know that the bank pulled back the check itself and that they actually returned the payment that actually was made. I have been asking them to remove the late payment off the account and they are refusing to do so. 

I also spoke to another associate who said that they will continue to deny my request no matter who is at fault to remove the inquiry. 

Thank you!
Product: Checking or savings account

I want to add the content of the last case. All my money is in citibank. However, I paid for my credit card and bills, but citibank did not pay for my bills and credit cards, which caused my XXXX XXXX credit card to be closed for reasons. Payment returned! I deposited {$500.00} in the uphold company to buy XXXX  currency, but the XXXX currency increased from {$0.00} to {$0.00} each day, the currency 's profit was also confiscated, and my investment account was closed! The reason is that the deposit failed ... he suffered heavy losses. Not only did citibank not pay my bills and credit card, but it also charged me overdraft fees. I dont know what to do! Because many transactions in citibank were not paid, my money was in my checking account. I asked to get my cash back, but after the bank said it needed XXXX, I didnt have any right to choose. Facing the current covid-19 period, I dont have a job, but it will take 60 days for me to receive my money. So how should I live my life recently? I dont have any money anymore. I hope your company can help me faster! Thank you
Product: Student loan

I received XXXX XXXX discharge of my debt from XXXX XXXX XXXX XXXX of my student loans that were consolidated through NelNet. They received payment from the Department of Education on XX/XX/XXXX. My account was not updated until XX/XX/XXXX. Their website tells me they were paid an excess over XXXX XXXX and to call to see if it can be refunded to me. I have called approximately XXXX times and have gotten a different answer each time. Their staff is rude and incompetent. No one can or will tell me how to receive a refund of the excess.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint against XXXX XXXX regarding their continued inaccurate reporting of a debt on my Experian credit report. This reporting violates the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my XXXX XXXX and financial reputation. 

Key Issues : Incorrect Reporting of Sold Debt : Capital XXXX is reporting a balance of {$470.00} on my Experian credit report, even though this debt was sold to XXXX XXXX XXXX. 
Under the FCRA, once an account is sold, the original creditor is required to update the balance to {$0.00} and note that the debt was transferred or sold. XXXX XXXX has failed to update this information properly. 
Impact on My Credit Report and Score : The continued reporting of this balance by Capital XXXX creates confusion and misrepresents my financial obligations, resulting in a negative impact on my XXXX XXXX. 
This inaccurate reporting has adversely affected my ability to secure financial opportunities. 
Failure to Address the Issue : Despite previous disputes and attempts to resolve this matter directly with XXXX XXXX, they have not corrected their reporting. 
XXXX Requested : I request the following actions : Immediate Update of the Account : XXXX XXXX must update the account on my Experian credit report to reflect a {$0.00} balance and clearly indicate that the debt was sold to XXXX XXXX XXXX. 
Removal of Inaccurate Reporting : If XXXX XXXX can not validate the current reporting, I request that the account be removed entirely from my Experian credit report. 
Compliance with the FCRA : XXXX XXXX must ensure their reporting practices comply with the FCRA to avoid future inaccuracies. 
Supporting Documents Enclosed : A copy of my Experian credit report showing the incorrect reporting by XXXX XXXX. 
Correspondence with XXXX XXXX regarding this dispute. 
Impact and Final Request : The continued inaccurate reporting by XXXX XXXX on my Experian credit report has caused significant financial harm and undue stress. I kindly request the CFPBs assistance in ensuring XXXX XXXX updates this account appropriately and in compliance with federal regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent account opened thru XXXX XXXX XXXX. I contacted them to report the fraud also reported to the ftc. It still has not been removed.
Product: Credit card or prepaid card

I changed banks and therefore, checking accounts. My new bank provided 2 checking account numbers for the same account. One ended in an XXXX, the other a XXXX. When apparently one did not go through and Discover charges a XXXX man, at XXXX, {$29.00}. XXXX XXXX stopped charging overdraft fees all together, why can't Discover be more like XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are in Utah, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX 
I used their secure messages and the chat feature, I asked for arbitration information per the customer agreement, but have received no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently reporting on a close to XXXX XXXX XXXX collection account as Open and over 120 days late. I have contacted Equifax, to dispute the account. But they just refresh it the same. I have told them that they are illegally reporting on that collection. 
Over 120 Days Past Due Open XX/XX/XXXX Whose Account Individual Account XX/XX/XXXX Status {$790.00} Type of Account Type of Loan Debt Buyer Account
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have submitted documentation, a police report and multiple CFPB complaints against Experian in reference to incorrect information on my credit report. Experian has done nothing. I disputed the collection account with XXXX XXXX and they stated that they were deleting my information, yet Experian is still reporting this collection on my account. I have even submitted the documentation to Experian from XXXX XXXX. I have submitted a police report in reference to a credit card that was not mine as well for XXXX XXXX XXXX XXXX  XXXX that is still incorrectly reporting on my credit file. I have also disputed a cable collection account that was with XXXX XXXX that was not mine. This has since been deleted by XXXX XXXX but now XXXX XXXX has picked up the account and this is incorrectly reporting on my credit report. I have also submitted documentation that this cable bill is not mine. Experian has done nothing to correct the incorrect information that is reporting on and destroying my credit file.
Product: Credit card

I signed up for the Best Buy Credit Card on XX/XX/year> to get their promotional 15 % back on my first purchase. That purchase was a washer/dryer set that cost {$1500.00} ( before taxes ). I received only 5 % back in rewards for that purchase. I have called XXXX times over the last 60 days to find out where the rest of my rewards are, each time they say they are 'escalating the situation and someone will contact me or I will have the rewards within XXXX days '. I wait 5 days and call again, rinse and repeat. 

Best Buys website right now has the same promotional advertisement. Usually the 5 % is XXXX points per dollar spent. The promotion promises 15 % which would be XXXX points. This is confirmed in their small print on the offer saying that it would be an additional XXXX points per dollar on the first purchase. XXXX points on {$1500.00} would be XXXX points. Every XXXX points can be converted into a {$5.00} dollar reward certificate. That would be XXXX {$5.00} reward certificates or {$220.00}. I received only {$70.00} from this purchase ( I did receive another XXXX $ from a subsequent purchase at the regular 5 % rate ). I would like the additional promotional rewards credited to my account as advertised. I have tried for 2 months to resolve it with Best Buy, but they have done nothing to help.
Product: Credit reporting or other personal consumer reports

According to the FCRA XXXX account # XXXX, has violated my rights. 

Section 605 B. It is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the FAIR CREDIT REPORTING ACT ... XXXX ACCOUNT # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A 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 credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i XXXXXXXX XXXX XXXX XXXX  ( Revolving ) Accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, XXXX XXXX, XXXX Payment Status Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency None Reported Charge Off/Other Derog Balance {$5400.00} {$5400.00} Credit Limit {$5000.00} {$5000.00} Credit Utilization 110 % 110 % MORE DETAILS XXXX XXXX ( Revolving ) More Details XXXX TransUnion XXXX Closed XXXX XXXX XXXX, XXXX Open Date XXXX, XXXX XXXX, XXXX Last Activity XXXX, XXXX Terms Revolving Scheduled Payment High Balance {$5400.00} Loan Type Credit Card Credit Card Responsibility Individual Account Individual Company Name XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTPhone ( XXXX ) XXXX
Product: Vehicle loan or lease

I had purchased my XXXX XXXX XXXX through XXXX XXXX and bought it in XX/XX/XXXX. About XXXX I was having engine issues and it was costing more than the car note plus I had let the car note get to far behind to where I had to turn in the vehicle and let them have it instead of the repo man getting it. The depreciation value sunk with the higher percentage rate Wells Fargo bank had given me. It was too much by then.
Product: Student loan

I was approved for both Spring & Fall semesters when I applied XX/XX/2018. I am approved and the current status if 'certifying with school '. The financial aid department claims that they can not find the loan from XXXX, while XXXX states there's nothing they can do and to speak with the school. It is very frustrating the be in a circular loop where each party states the other party is responsible for the next step. I want my loan funded in the amount of {$37000.00} or the cost-of-attendance.