23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a home equity loan on XXXX/XXXX/2016 and sent the documents requested by the personal banker ( XXXX XXXX ) on XXXX/XXXX/2016. I did not hear from my processor ( XXXX XXXX ) until XXXX/XXXX/2016 and responded to her requests the same day. The processor does not return phone calls or emails. To add insult to injury, I received a notice in the mail that my application would be cancelled if I did not respond to the requests for documentation ( which I already provided ) by XXXX/XXXX/2016. I received another email from the loan processor on XXXX/XXXX/2016 asking me how I was progressing in providing the documents that she requested, to which I responded that I 'd already provided the documentation, and she has yet to reply to me. I have made several unsuccessful requests to speak with XXXX manager about these concerns and still have no resolution. XXXX lack of organization, customer service, and poor responsiveness have delayed the underwtiting process of my application and caused me unnecessary inconvenience.
Product: Debt collection

Despite numerous calls to XXXX XXXX about the billing, they are still stating that my insurance, XXXX has declined payment. They ( XXXX ) have paid out the sum in each case and I have paid my portion of the bill. 

I have also been in contact with my insurance company, AXXXX several times on this matter and they assure me that I have paid my portion of all the bills and I owe nothing further. 

This was an XXXX visit which while out-of-network, due to the fact it was an XXXX, it was covered by my insurance. XXXX paid out the bill as if the XXXX was in-network. 

I've lodged a dispute with my insurance company in this matter and they attempted to make a settlement with XXXX, but XXXX was not interested. I called XXXX to discuss the issue of the bill, but was hung up on. 

They have since escalated the issue by sending correspondence through a bill collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. TRANSUNION - XXXX XXXX - XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was notified by a company, name attached below that I owed over {$4000.00} in debt to XXXX. I have never purchased anything from XXXX, nor would I ever purchase or take out a debt in that amount with a company I do not know. 
I received a letter in the fall of XXXX, and thought that it was a fraudulent attempt to collect a debt. I was afraid to call and give my information to this company, because I was afraid of further theft on my account, or in my name. I threw the letter away because honestly, I thought it was someone who was trying to impersonate accompany and collect money that I did not spend or use in any type of loan or to purchase any type of item from XXXX. 
I do not know who these people are, that represent XXXX, and what the debt is for because the letter from them never stated it. as you will see the attached document, it says that it was opened in XX/XX/, and they reported me to the credit bureau for not paying it. Which makes absolutely no sense. I will be filing a police report this week as well.
Product: Credit card or prepaid card

I have been scammed by Capital One on my XXXX credit card. Specifically, I availed myself of Capital One 's XXXX offer described at this link XXXX XXXX XXXX XXXX For a XXXX card, the terms state that between XX/XX/XXXX and XX/XX/XXXX, statement credits will be applied for up to six consecutive months in which XXXX XXXX membership has been charged to the card. 

I used my XXXX card to cover my XXXX membership from XX/XX/XXXX to XX/XX/XXXX ( six months ). I was charged {$9.00} six times, starting XX/XX/XXXX, and ending XX/XX/XXXX. However, I have only received five statement credits ( XXXX through XX/XX/XXXX ). I am therefore missing a statement credit. Even after calling Capital One, the agent acknowledges that I have been stiffed by the system, but the bank has continued to not correctly apply the final statement credit. 

I require immediate resolution of this issue, by applying an additional statement credit to my card in the amount of {$9.00}.
Product: Checking or savings account

XXXX XXXX XXXX XXXX, Case No XXXX I was left a voicemail by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that lasted XXXX seconds. She mentioned there was a resolution offer. 

I have attempted to contact XXXX XXXX, the XXXX Specialist numerous times. Each time that I have called the number provided ( XXXX ) via XXXX XXXX XXXX, both on the mailed documented response and voicemail, after I enter the XXXX extension ( XXXX ), the response is 'if you do not know the XXXX extension, please refer back to the original correspondence. ' There are no further options to speak to anyone or the person 's name or number I was provided. 

If I can not speak to anyone, how will I be able to inquire? Why was this person 's name, number and extension even provided?
Product: Credit reporting or other personal consumer reports

This is a Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S.Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent.
Product: Credit card or prepaid card

I filed a dispute in XXXX with Current debit customer service after my account was hacked and my money was stolen out my account and used digitally at a XXXX in Florida and I am not in Florida I am in Tennessee. Over $ XXXX was used for a fraudulent purchase I did not make, after I reached out to Current Customer Service. I had a dispute opened and was to be settled because they have location on my phone, so I did not make the purchases. And after I thought it was settled because my money was returned. Now as I of today my account back in the negative and to my knowledge it was settled until I checked my account today. I am tired of them stealing my money because our accounts should be more secured but its obviously not. I just want my money all back and I will be discontinuing using Current again.
Product: Debt collection

Navient continues to say I owe a XX/XX/XXXX payment of {$560.00} that I paid. It was not due until XX/XX/XXXX, but posted on XX/XX/XXXX. The XX/XX/XXXX bill reflected a past due amount of {$550.00} with a total amount due of {$1100.00} I called the company on XX/XX/XXXX or XX/XX/XXXX and explained the payment had been made. The representative insisted I send proof to fax # XXXX. I went to the bank, where the bank manager said the check had been processed electronically, so she gave me bank proof of payment to Navient of {$560.00} which posted on XX/XX/XXXX. Then I became confused when the Navient representative said my bill group # is XXXX???? That has NEVER previously been my group number and if it has changed, why was n't I notified? I wrote the usual Account and/or Group # s as they appear on my bill and I have NEVER previously had a problem. I pay my bill promptly and regularly every month. I received a call from Navient, when I was not home on Sunday, XX/XX/XXXX. I assume that was a collection call. 
I called the company again on Monday XX/XX/XXXX, and my payment had still not been corrected and credited. Later that day, I received a letter from Navient COLLECTIONS department demanding the XX/XX/XXXX payment. I called that department at XXXX. I originally spoke with " XXXX '' but that call disconnected. I called again and spoke to " XXXX '' # XXXX who initially told me she could see where a {$560.00} payment had been made, but it had apparently been miss-applied. She then said I would have to wait until after XX/XX/XXXX to allow for the adjustment to be made. She also said she would roll back collection calls. Why could n't she just stop those calls, since even she could tell the payment had been made? She then supposedly consulted with someone else who said the correction would be made in 2-3 days. Why? I need it corrected now! I mailed the XX/XX/XXXX payment on Saturday, XX/XX/XXXX ... 4 days after the fax proof of XX/XX/XXXX payment had been sent. The correction has yet to be made. I am now afraid the XX/XX/XXXX payment could mistakenly be applied to the XX/XX/XXXX payment and now Navient will say I have not made that payment. That will then propel me into a spiral cycle of nonpayment. I have also received three emails demanding XX/XX/XXXX payment on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is harassment. I have uploaded documentation.
Product: Mortgage

XXXX/XXXX/2016 I contacted the Ditech Mortgage to find out where to send a check from the insurance company due to a fire claim. The representative told me to send it to a XXXX Illinois address. It was received on XXXX/XXXX/2016 at XXXX XXXX by XXXX XXXX. On XXXX/XXXX/2016 I contacted Ditech to make sure the check was received and the rep told me yes, but it went to the wrong address. The rep assured that it will be okay but claims will need to forward the check to the claims department to be processed. On XXXX/XXXX/2016 I contacted Ditech again because my account on the internet did not reflect any activity. Again I was told by a rep and management that the check will be posted on that day. After checking my account on the internet again on XXXX/XXXX/2016 with no activity I contacted Ditech to be told that it will take 7 to 10 business days to process by claims department and then sent back to payoff on XXXX/XXXX/2016. to be processed and check should be mailed the following week. On XXXX/XXXX/2016 checked the internet no activity contacted Ditech and to sum it up every call I got a different answer and empty promises. I continued to check the internet to find no activity so I contacted the XXXX which is a subsidiary of Ditech LLC. I spoke with XXXX XXXX and he referred to upper management on XXXX/XXXX/2016 XXXX XXXX Ext XXXX. XXXX stated the payoff was expedited and we show paid in full on XXXX/XXXX/2016 and I confirmed paid in full. However, XXXX stated if it showed paid in full he will expedite and contact me on Monday XXXX/XXXX/2016. On Monday I spoke with XXXX and customer service in reference to the payoff being incorrect. Instead of back dating the date of receipt it was dated as of XXXX/XXXX/2016. XXXX which upper management for compaints stated that he will look into it and call back and I have not heard back from him until this date. The company will try to tell you that I have cease and desist on my account. However, I had given XXXX permission to contact me in reference to receiving funds. I asked been asked to send letters and i have complied and now I am told that I have 30 days of posted payoff. My family and I have been through enough with the house fire and waiting on the insurance company to pay for the loss of my home. This is undo stress on myself and family. Please take this message as a sense of urgency due to my family and I not having home. I have lost bids on several homes due to not having sufficient funds to pay for a new home. Please see attached documents and audio to document my claim.
Product: Debt collection

I got a call from this number claiming I was supposed to be contacted yet instead I was transfered to someone claiming to be a paralegal who had all my information including social security number. They claimed I owed a debt to US Bank over a decade ago and when I told him to tell me the lawfirm he worked for that I need to cut the XXXX and he will show me how bad he will make it for me. I called back repeatedly to find out what company contacted me but they refused to tell me and hung up. They claim they would be putting a lien on one of my vehicles but refused to communicate anything useful.
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 15 USC 1681. 
Account name : # XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : # XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

ON XX/XX/year> I REQUESTED A BILL PAYMENT ONLINE FOR {$7400.00} TO PAY A COMPANY CALLED XXXX. THE MONEY WAS DEBITED FROM MY ACCCOUNT INMEDIATELY AND CHASE SENT A CHECK TO THAT COMANY 'S ADDRESS. ON XX/XX/XXXX THE COMPANY CALLED ME AND SAID THE CHECK HAD NOT ARRIVED YET. I CALLED CHASE THE SAME DAY AND THE PERSON I TALKED TO TOLD ME THAT HE WOULD PUT A STOP PAYMENT AND THE MONEY WOULD BE REFUNDED TO MY ACCOUNT IN 3 TO 5 BUSINESS DAYS. SINCE THE MONEY WAS NOT REFUNDED I WENT TO THE XXXX XXXX XXXX XXXX XXXX XXXX THEY PUT ME ON THE PHONE TO A PERSON WHO TOLD ME THAHT THERE WAS NOT A STOP PAYMENT AT ALL, THAT HE WOULD PUT ONE AND GEVE ME A CASE NUMBER : XXXX AND PROMISE THAT THIS TIME THE MONEY WOULD BE IN MY ACCOUNT ( AGAIN ) IN 3 TO 5 BUSINESS DAYS. 
SINCE THE MONEY WAS NOT IN MY ACCOUNT ON XX/XX/XXXX, I CALLED CHASE AND AFTER TALKING TO ABOUT 4 OR 5 DIFFERENT DEPARTMENTS AND PERSONS IN A CALL THAT LASTED 36 MINUTES, THEY PROMISED THE MONEY WOULD BE IN MY ACCOUNT AT THE END OF THE DAY. 
XXXX XXXX XXXX XXXXXX/XX/XXXX AND MY MONEY IS STILL MISSING AFTER MORE THAN A MONTH OF BEING DEBITED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is currently showing 30 days late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Money transfer, virtual currency, or money service

I have prepaid for XXXX XXXX minute video phone calls with my son who is currently XXXX in a XXXX XXXX XXXX XXXX in Idaho. The company I paid is Jpay I was approved for the video calls and Jpay sent me a sign in link on XX/XX/2024 I followed log in instructions and when I clicked on start call I was transferred to another Jpay page with another link I needed to download to start my phone call which was already supposed to be in progress. The link took me to a page not found error. I tried again and again but while Jpay deducted my account I was never even close to being able to access the prepaid visit with my son. There is no way to get a person on the phone at Jpay just a computer with no information about Jpay video connect. I have sent an email every day trying to get help from Jpay but the only reply I get is a Covid precautionary reply promising a reply someday. I have another pre paid video phone visit on XXXX when I will have my grandson here to talk to and see his father. I am desperate to get a useful reply from Jpay before we miss another chance I already paid for to see my son. Thank you
Product: Debt collection

I had credit card debt roughly {$3000.00}. My debt had been transferred to XXXX XXXX XXXX ( XXXX ). My debt attorney settled the case for {$400.00}. I have made XXXX installment payments of {$100.00} totaling {$400.00} to account # ... XXXX SYNCHRONY BANK. I was hoping I had resolved this account with my full payment. 
However, the last payment was misapplied to the incorrect account # ... XXXX GE CAPITAL RETAIL BANK, which was another debt with XXXX which I have and contesting. 
Therefore, leaving me at {$300.00} paid, and the other {$100.00} misapplied. 
I 've continuously called, emailed, sent bank documentation providing payments and receipt. I 've also involved my lawyer hoping to resolve the case. Unfortunately, they have not contacted my lawyer back. My lawyer notified me to " file a complaint with The Consumer Financial Protection Bureau. They have previously sanctioned XXXX for bad faith collection conduct. '' Therefore, I am contacting you and can provide more detail at your request.
Product: Credit card

I have called several times to make sure the payment was processed and was told on recorded lines that my payment was received and my account was up to date as of XX/XX/XXXX. My bill was due XX/XX/XXXX and they didnt process the payment until XX/XX/XXXX and now they expect me to pay all the fees because of their mistake not fair to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting methods of verification on certain items on my report from XXXX, XXXX   and experian credit bureaus and have filed several disputes and they keep coming back as verified. I did some investigating and found out they are using third parties to obtain information that may or may not be true. I have a total of seven items in question that need to be removed from my credit reports ASAP. The items are as follows 1. XXXX XXXX, I am unaware of this account. 2. The XXXX XXXX XXXX, I am unaware of this account. 3. XXXX XXXX XXXX, the information being reported is wrong because the dates and amounts don't match. 4. XXXX XXXX information is reported wrong because the dates are wrong and it was not a repossession the item was sold. 5. XXXX unaware of account. 6. XXXX XXXX XXXX I do not owe this debt, they are reporting as a charge off and still reporting an amount owed. They have been paid in full! 7. Chapter XXXX bankruptcy, requested them to tell the method of verification they used to verify this item, they stated the courts but I have proof from the court they don't give information to credit bureaus. I have been dealing with these issues for several years now and nothing is being done to correct anything. I have disputed by mail and phone. I know my rights with the fair credit reporting act and if they don't remove these items I'm prepared to file a lawsuit against them within a 15 business day time frame.
Product: Debt collection

A company called EOS collections has contacted me on numerous accounts about a debt I do not believe I owe. I have asked on four separate occasions for them to either provide validation of debt or cease and desist all contact. They continue to call me as recently as this Friday XXXX. But refuse to mail a debt validation to my address.
Product: Credit reporting or other personal consumer reports

Im being denied acces to my credit profile features by transunion online causing me loan opportunities, I am unable to access my profile for the second time XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously raised concerns regarding XXXX and believe they are now discriminating against me with how they reported my Credit Scores based on erroneous information being reported by XXXX Bank which was paid off in XX/XX/2022 and has since been reported to TransUnion XXXX XXXX. However, XXXX has refused to update my Credit Report to reflect the appropriate Paid Off Status within " PAYMENT STATUS '' section of my Credit Report. XXXX was Paid and Settled and should be reflected accordingly, so my scores can be properly adjusted. 

Also, XXXX was paid and Settled and is not reflecting that it has been Paid and Settled in the " PAYMENT STATUS '' section of my XXXX Credit Report. 

Also, my XXXX XXXX account is also showing the wrong " PAYMENT STATUS '' with XXXX, XXXX, & Transunion as this account was also PAID & Settled and should be reflected in the Algorithm which will update my scores and not only in a comments section of your report. 

Also, when I attempt to file a Credit Dispute with XXXX it is blocking me and not allowing me to file any type of Dispute or upload supporting documentation to validate my claim of erroneous, fraudulent, and discriminatory Reporting Practices. 

I am uploading my additional information from my XXXX Report dated XX/XX/2022 which reflects where XXXX and Transunion was updated for XXXX and XXXX accounts, as these accounts were Paid and Settled.
Product: Credit reporting or other personal consumer reports

XXXX will not delete this fraud account. The sent the company my information and then kept this fraud account on my credit report. I have disputed this 90 days ago. XXXX has broken the law 15 USC {$1600.00} b by providing my information to company that has reported fraud on my account. Then On the page of the attached letter they said " We sent the company your information ''. I sent the fraud dispute request to validation the debt ( fraud ) not for them to send my information to them. Now they sent the attached letter with and affidavit to validate a fraud account. I have Attached XXXX bill proving I have a current account the account from the fraud company doe not match.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my second request, in response to your request I have AGAIN attached my identification and social security card copies n FTC report
Product: Prepaid card

Cashapp closed my account due to a violation of terms or user agreement but wont tell me which one they just keep telling me why they closed it. Tried finding out over the phone about opening a new account and before the call ended the lady said I need to be verified and Id have to do that online with chat, done that but on chat once again they told me that my account was closed but not why. Called back again to ask when they say my card is permanently disabled did that mean. I could never get a card agent told me he couldnt tell me that and if there was another question I had outside of that hed be glad to answer it so I asked the same question again he proceeded to say if I didnt have another question he was going to end the call and hung up on me. Got back on chat to see if I could speak to a supervisor she said one wasnt available asked for my email address and said one would contact me when one was available or had an answer or something like that but they never email back when they say they are. I dont see how cashapp is in business.