23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2019 I contacted American Consumer Credit Counseling ( ACCC ) to attempt to enter my Capital One card into a payment plan. On XX/XX/2019 I received a letter from ACCC that my account had been denied based upon the fact that it was currently on an internal plan with Capital One. My account was not on nor ever has it been on any repayment plan with Capital One. Upon contacting Capital One, I was told that the reason I was denied was due to the previous internal plan, however, when I stated that I had not been on a plan they could find no record of ever being on a repayment plan. I was informed that they would perform additional research and to call back in a few weeks. Roughly 3-4 weeks later, I contacted Capital One again and transferred between 2 representatives and 1 manager. The manager informed me she had no updates and still could not sort out my account. She advised I would need to send my request via correspondence to general inquiries. I submitted the requested information in XXXX outlining all information that was advised to me via phone conversations. I then received a letter on XX/XX/2019 that stated " We are unable to fulfill your request through written correspondence. '' I then contacted the number listed in the letter so that I could receive assistance with my request. The representative again stated they could find no record of my account being on any repayment plan at any point and that I simply needed to have that removed. They were however unable to provide any assistance and stated that I needed to again submit the information through general correspondence essentially repeating the process that I had just completed that concluded with no action being taken and told that no one was able to help me in correcting the mistake that the company had made on my account. When I was transferred to a manager, he was extremely disrespectful and would not allow me to explain the issue. I was told that Capital One had made a decision and he could no further support or assistance. I simply had to live with the error that they had made. I was denied any remedy to inaccurate information on my account and this false information is purposely being used by Capital One to deny my entrance into a repayment plan and successfully remedying my debt.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> Credit report on transunion was reduced from XXXX to XXXX with no apparent reason for the impact. asked to talk to supervisor as person was giving questionable information. advisor refused said there was no supervisors on the floor. advisor gave a phony name. told me to call back later.
Product: Money transfer, virtual currency, or money service

Good day, I have a fully fledged, verified corporate account with XXXX where I utilize their crypto currency exchange services. 
I recently had a deposit to my account of roughly {$500000.00} USD on XXXX XXXX, 2021, as I gradually exchanged and withdrew funds from the account, as of XX/XX/XXXX my accounts withdrawals have since been suspended because they are currently reviewing a Litecoin ( LTC ) transaction on my account from XXXX, 2021. I have now at this time {$350000.00} USD locked and unable to withdraw on my account. 
They said I could withdraw the funds in fiat and was told to reply to the support email once I would like to do so but there has been no response. 
I reached out to them multiple times via social media, email and internally opened a support ticket with no avail. 
I have lost a lot of money throughout this process since I can not withdraw these funds and that every day that passes the crypto market changes dramatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX DISPUTE RECEIVED BY EXPERIAN XX/XX/XXXX EXPERIAN CLOSED DISPUTE STATING RESULTS REMAIN XX/XX/XXXX SPOKE WITH EXPERIAN THREE TIME XXXX, XXXX, XXXX CALL WAS DROPPED TWICE. REPRESENTATIVE INSTRUCTED ME TO UPLOAD MY DOCUMENTS BECAUSE THEY DIDN'T RECEIVE MY ATTACHMENTS, WHICH IS FALSE BECAUSE MY DOCUMENTS WERE STAPLED TO MY DISPUTE. 

XX/XX/XXXX I UPLOAD MY DOCUMENTS A SECOND TIME XX/XX/XXXX EXPERIAN CLAIMS THE INFORMATION SHOULD REMAIN
Product: Credit reporting or other personal consumer reports

Equifax Is still reporting inaccurate information on my reports- there has not been any verification sent just all generic responses.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries on my credit report. I am a victim of identity theft due to a data breach, and I am seeking the removal of these entries under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In 2011, we lost our home in XXXX XXXX, Indiana, in a short sale. Our mortgages were being held by XXXX XXXX and XXXX XXXX. Neither of these companies still exist ( or so we have been told ).  We lived in Illinoos at that time and recently received a letter from the Treasurer of Illinois that they are holding funds as unclaimed property due to an Insurance claim that was submitted on our behalf as a result of the final inspection of the property ( something apparently to do with hail damage to the roof ). 

Since the funds are assigned to both mortgage companies listed above as well as ourselves, how is it possible to receive these funds? 

Is there anything at all that can be done?
Product: Student loan

I've held and paid on direct consolidation loans since XXXX. The loans were automatically placed in forbearance during the Covid pause ( XXXX XXXX ). Despite this, I voluntarily made payments on those loans until the XXXX waiver was announced in XX/XX/XXXX. I was serviced by XXXX XXXX during that time. Under the waiver, I knew that I was eligible for forgiveness, so I submitted an ECF on XX/XX/XXXX and was transferred to Fedloan by the end of XXXX. During the transfer period, I learned that I could request a refund of payments made on direct loans during the Covid forbearance, so I contacted Fedloan to ask for the refund in XX/XX/XXXX ( as soon as my information had transferred to them ). They said that they issued the request, and within two weeks the balance of my student loans increased by the approximate refund amount ( around {$4200.00} ). 

XXXX months later, in XX/XX/XXXX, I still had not received the refund, so I spoke with a FedLoan agent on the phone. They assured me that the request had been submitted, but could take up to 120 days. 

In XXXX, I called and spoke with another agent who assured me that the request had been submitted, but could not be sure when the refund would be issued. 

On XX/XX/XXXX I called again to check on the status of the refund. The agent said that the request had been filed, but the refund could take 6-9 months.

I want the refund of payments that I voluntarily made on direct loans during the Covid pause. It shouldn't take more than five months to issue a refund.
Product: Debt collection

XXXX XXXX XXXX is still reporting a collection account to my credit report. We had an oral agreement this account would be removed when the account was paid ( they called it a pay for delete ) but I just checked my credit yesterday & see it 's still being reported. This account is damaging my credit & impacting my ability to get a loan. I 'd like them to remove the account per our agreement. Please help me get this rectified
Product: Credit reporting or other personal consumer reports

TransUnion : On XX/XX/year>, I mailed a dispute letter to TransUnion disputing the completeness and accuracy of accounts on my credit report. I recently received a response from TransUnion that was issued by them on ( date TransUnion sent the letter ) that they received my dispute but they would not process it because they are assuming it is from a XXXX party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.
Product: Credit card

I received a credit card in the mail showing that a credit card account had been opened without me knowing. I called on XX/XX/2023 And filed a fraudulent card ask that it be closing everything removed regarding this card. On XXXX I received a phone call saying they were working on it and investigating and that everything would be fixed if they found it was actually fraudulent. However the account had not been closed. I am concerned about how this is being handled and that they will not properly correct this. I want no record of this card on my credit or anywhere as I did not agree to this.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, die to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settles with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

I have not received anything in writing. They just started telephoning me and my family over the last 2 days. 
they contacted my sister in Minnesota to try to track me downthey contacted my mother at home to try to track me downthe calls I rec 'd was a recorded message from a loud woman screaming that This is an attempt to locate the whearabouts of myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was recently hacked and after checking their service, i was listed as an affected victim.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inconsistent reporting of the past due balance for a XXXX account Number : XXXX on my credit reports from TransUnion and XXXX. The past due balance is reported as {$8600.00} on my TransUnion report and {$0.00} on my XXXX report. This inconsistency raises serious concerns about the accuracy of the information being reported, in violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies and data furnishers are required to ensure that all information reported is accurate and complete. Specifically : FCRA Section 623 ( a ) ( 1 ) : Data furnishers must provide accurate information to credit reporting agencies. Reporting conflicting past due balances for the same account violates this obligation.

FCRA Section 611 ( a ) ( 1 ) : Credit bureaus are required to conduct a reasonable investigation into disputes. Both TransUnion and XXXX have verified this information as accurate despite the clear discrepancy, failing to meet their statutory obligations.

FCRA Section 605 ( a ) : Credit reports must not include misleading or incomplete information.

These conflicting balances not only create confusion but also harm my creditworthiness by presenting inaccurate information to potential creditors. I have attempted to resolve this issue through direct disputes with TransUnion and XXXX, but neither has corrected the inconsistency or provided an adequate explanation. 

I request that the CFPB investigate the following : Why TransUnion and XXXX are reporting conflicting past due balances for the same XXXX account. 
Whether XXXX has failed to fulfill its responsibilities under FCRA Section 623 by providing inaccurate data to credit reporting agencies. 
Immediate removal of the XXXX account from my credit reports due to its inaccurate and misleading reporting. 
To support my claim, I am including the following documentation : Copies of my credit reports from TransUnion and XXXX highlighting the conflicting past due balances for the XXXX account. 
Any correspondence with TransUnion, XXXX, and XXXX regarding my prior disputes. 
I respectfully request your assistance in addressing this matter and ensuring that my credit reports reflect only accurate and consistent information. The harm caused by this discrepancy warrants immediate correction and removal of the XXXX account from my credit reports. 

Thank you for your attention to this issue. Please confirm receipt of this complaint and provide updates as your investigation progresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows addresses that either is a result of fraud or belong to others on my report. Some addresses are of accounts that I am authorized to use or accounts that have been opened in my name ; the accounts do not belong to me as well as their addresses. I've requested that they be removed, but the dispute has been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

today on XX/XX/2023 i have been trying to contact Experian about a sutuation regarding trying to open a bank account with XXXX and an agent told me to contact experian as they use them in such situations. problem is i called at lease 10 times and i cant even get a hold of any human at experian to resolve the issue. this has been frustrating and also i will be using this to file a complaint against XXXX  also as I have spent my whole day trying to get this issue resolve with XXXX as they have breached their contract with me in regards to a XXXX dollar referral bonus i was suppose to receive but never gotten
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent accounts ; XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and Child Support Enforcement # XXXX have 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 states : Consumer Reporting Agency can not furnish an account without my written instruction. I need these accounts to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, transunion and XXXX, Has done a half job Dealing with my XXXX  account Which still holds a negative remark that Im late 30 days which XXXX, nor XXXX nor XXXX nor Transunion has provided Late payment history proof with XXXX  account that Ive been paying as a good consumer with great payment history, XXXX, XXXX and transunion defrauded me and lowered my credit score defamed my character for these thirty day past due remarks Thats plummeting my credit score and credit worthiness XXXX, transunion and XXXX has also never provided me notice of dispute for my last dispute put in XX/XX/year> Which is illegal as well and Im will to escalate this case for XXXX, XXXX and transunion defaming my character and credit worthiness
Product: Mortgage

Hello, Back in XX/XX/2018 we were looking to buying a home and contacted Wells Fargo Home Mortgages On XX/XX/2018 XXXX XXXX from Wells Fargo Home Mortgages charged my Credit Card {$530.00}. He said I had to pay for Appraisal and only after my credit card was charged did I receive the " Loan estimate '' that is dated XX/XX/XXXX, I will attach the Wells Fargo Home Mortgages Loan Estimate with date of XX/XX/XXXX and my credit card statement showing my credit card was charged XX/XX/XXXX. 
I have removed the account number, the Consumer Financial Protection Bureau website saying that the only fee they can charge is Credit report fee and the fee listed for the Credit report is {$15.00}.
Product: Mortgage

PNC Bank - Refinance property located at XXXX XXXX XXXX XXXX, XXXX  PA, XXXX County, PA., The existing mortgage was a PNC loan. PNC gave me 6 different refinance loan estimates. Most of these preliminary loan documents had errors including errors in my name, my initials, my aliases, my address, my work history. The loan was a NON escrow loan. The original closing estimate of XX/XX/2021 was {$6000.00} including {$1500.00} in closing points. 

On XX/XX/2021 I closed this non escrowed refinance and PNC charged me {$7900.00} in closing costs. That amount included {$2500.00} in property taxes. They also charged me {$84.00}, for home owners insurance even though I have paid my own insurance.

1 ) This was a non-escrowed loan so I asked why they were charging me {$2500.00} for school tax. I was told that was just what they do. They pay any unpaid taxes at time of closing.

2 ) The amount {$250000.00} was not the full amount of taxes owed. The total amount of taxes is {$3900.00}. I informed them of that.

3 ) I was told that I could not change the amount they were charging for school tax because it would take too much time and the loan guarantee was about to expire. They said they would pay {$2500.00} and I would have to write a check to the school district for the balance. I had to call the school district to make special arrangements for this.

4 ) PNC did not pay the taxes as of yet. As far as I know they have not paid the {$84.00} to my insurance company either. The School tax penalty kicks in after XX/XX/XXXX. 

5 ) I called PNC customer service on XX/XX/XXXX at @ XXXX. I was told that the account was not escrowed and so PNC wasn't responsible for the taxes. The person on the line did not have access to my loan closing documents. I asked to speak to someone else. I was put on hold and disconnected.
Product: Mortgage

Bank of America has transitioned most of their banking to machines limiting access to a in person customer assistance in their lobby. This has cause customer to contact their main banking services phone number. The waiting to speak to an agent could take 30-45 minutes. At times during the transfer to the right department the calls get dropped. My main concern is that I have a mortgage account that I wish to pay extra towards the principal but with doing this on line or at the automatic machine the system only accepts the monthly payment and any Extra is held for the next month payment. I waited in line for 30 minutes to enter a lobby but the service Dept. Insisting that I need to speak to a mortgage department and they dont have any in their branches. I can only call the main number provided by the bank to speak to a mortgage agent. 
I have visited 2 locations and the results were the same no one has attempted to resolve my issue.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, under section 605C of the Fair Credit Reporting Act. I have given you my identification and the information requested from the list of acceptable items, of which only 2 are required per the Law. I have provided all needed documentation and a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRY COMPANY UNRESPONSIVE COMPANY : XXXX ON XX/XX/XXXX
Product: Debt collection

I received a letter today ( XX/XX/XXXX ) claiming that I owe {$88.00} for a {$1.00} toll that I allegedly did not pay two years ago ( on XX/XX/XXXX ) in Delaware. First off, the license plate number on the letter is not mine. Second, I don't live in Delaware nor do I travel to Delaware and I have photos on my phone from the date they are claiming I have this unpaid toll which proves that I was not in Delaware, I was Washington , DC, which is where I live. Third, I tried calling the number on the letter to this Law Office and no one picks up, I was on an automated hold 20 minutes and finally hung up. Fourth, I looked up this company ( Linebarger Goggan Blain & Sampson, LLP ) and the first thing that pops up are the XXXX reviews, all one star reviews, and people have similar accounts to my own and asking how this company is still allowed to be in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft and fraud, collection account does not belong to me, remove and block verizon collections from my credit report ftc report attached