23daVinci/CFPB_Complaints huggingface dataset:
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- --. 
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 an account without 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 with antedates the report by more than seven years.15U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This medical debt is from 2014 and the collection agency is not showing a " date of last activity '' with the creditor. This was due to an injury on the job and my employer paid this. I didn't try to fix this because i didn't even know I owed it since my employer paid it in 2014.
Product: Mortgage

On XX/XX/XXXX, my husband and I were approved for a four-month repayment plan of {$580.00}. That day I received a letter from XXXX stating she received a {$1900.00} payment. I responded and stated that she was incorrect and provided proof that I paid {$2200.00}. On XX/XX/XXXX, XXXX emailed me ( attached ) saying she did not like my tone. I did not verbally speak to her ; it was by email, so I want to know how she can make any assumption. I only said I would like to know where the {$190.00} went. You will see her horrible and unprofessional response to me ( email attached ). 

Fast forward as to why I am making a complaint with CFPB, on XX/XX/XXXX, I responded to XXXX 's email about XXXX and XX/XX/XXXX payments. I stated that my husband 's XXXX and whatever back pay from his employer had stopped, which was the reason for the late payment for XXXX. I also stated I would make a payment on XX/XX/XXXX I did not say I would make one payment. XXXX assumed that's what I would do and blocked my account preventing me from making a payment. It stated, " XXXX XXXX does not have access to any loans. Please contact Customer Service ''. That wasn't the case I got paid that day and made both payments by phone since she locked me out of my account knowing I said I would make a payment. To me this was done intentionally and I was told she was out when I emailed her and called her about not being able to make my payment online, to date no response, not sure if she's still out. I asked why I was locked out they stated they ( customer service ) did not see any notes as to why my account was blocked and XXXX was out. 

XXXX XXXX XX/XX/XXXX email had me very upset, and I am taking this matter personally, 1. why would you stop me from making a payment as of today I still don't have access to my account and 2. To request a demand for the past due balance and attorney fees/foreclosure when I said I was going to make that payment. Had I not called to make the payment and with her being out on XX/XX/XXXX to remove the hold on my account, that would have put us in default/foreclosure procedure. This is scary this can destroy someone's life. I would like to have someone else from SN Service Corporation to be our accounts Representative. 

Our payments are up-to-date, and I would like to have access to my account I was told after I made those payments, I would have access and I don't.
Product: Credit reporting or other personal consumer reports

XXXX has failed to provide me with the original contracts from the following companies listed on this report below. They have failed to remove inaccurate information on my report such as address and phone numbers that I am not associated with. They tell me my accounts were verified however they never even sent me confirmation of the verification. These XXXX accounts is listed on XXXX XXXXXXXX XXXX  Account # XXXX This account is reporting closed but status is stating 120 days late XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX is reporting an address of XXXX XXXX XXXX XXXX that is not my address My updated address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Reporting wrong balance and late payment
Product: Money transfer, virtual currency, or money service

Hi My name is XXXX XXXX. My bank is XXXX XXXX. My XXXX XXXX. 
On XXXX XX/XX/2022 I order an wire fund to a company XXXX XXXX XXXX  with a XXXX  XXXX account XXXX. But money end up in XXXX XXXX XXXX. 
I tried without success to recover money. They take more 10 days to investigate. They sent me report on XXXX XX/XX/2022 Finally, banker told me I can not get money back on XX/XX/XXXX XXXX. 
XXXX XXXX  said that : XXXX is owner of XXXX. So that money goto right company which is not true. 
Attached are 3 files : 1. my order.

2. screen shot of wire trans detail in my account via web-site.

3. investigate report from XXXX XXXX 4. emal from XXXX XXXX  Thanks for your help Regards XXXX XXXX Email : XXXX Cell phone : XXXX
Product: Mortgage

My mortgage was purchased by Freedom Mortgage mid XXXX, which began servicing my loan in XX/XX/XXXX. Then in XXXX XXXX XXXXXXXX Freedom, Mortgage began billing the entire yearly amount charged for my loan 's mortgage insurance every month... So suddenly, I'm paying {$4200.00} per year for PMI, compared to around {$350.00} per year for the 3 previous years on a {$130000.00} loan. Clearly a clerical error was made, and the first person I talked with at Freedom Mortgage 's escrow department researched the situation, and agreed with me wholeheartedly. She even went as far as to decrease my mortgage payment ( which had increased by around {$400.00} per month due to the error ) by the max allowed for her while they " addressed my concerns. '' Well, I never got any response, and when I called back no one had any idea there was a problem. This went on for the first 3 months of XXXX, with me eventually requesting some sort of response each time, and still, nothing. At this point I have had no less than 10 conversations with Freedom Mortgage regarding this, and have been promised a response 4 times and never received one. Additionally, I am currently in process to terminate PMI on this loan, an while I am over 22 % on the original LTV, Freedom Mortgage still required I pay the {$100.00} fee to consider termination, which as I understand, shouldn't be required. Furthermore, I have repeatedly requested Freedom Mortgage to contact me via email, as I live in a location where cellular service is questionable at best. I even went so far as to include a formal written request to be contacted only by email, with my PMI termination request, which they commented on in my XXXX XXXXomplaint, but ignored completely during the process. To this date, I still have not been contacted once via email by Freedom Mortgage, other than a daily message about their next scam product. I have made repeated requests for this to be looked into, and Freedom Mortgage has made no attempts to address my complaints and has been unable to provide me with any proof that the amount they are charging is actually being paid out. Currently I am owed around {$2000.00} by Freedom Mortgage, and at this point have little recourse but to hire a lawyer, as I can not even get useful communication from this business. Unfortunately, the majority of my interactions with Freedom Mortgage 's employees, like the email request situation, lead me to believe very few, if any of them are actually competent enough for the job they are attempting to do.
Product: Credit reporting or other personal consumer reports

I mailed out information needed to properly update my report and the bureaus have failed to do so. There is a lot of information reporting improperly such as addresses and information that is a result of identity theft. These bureaus are reporting this information without proper verification before doing so. 
Inaccurate information : Names : XXXX XXXX XXXX XXXXXXXX XXXX  : XXXX Communications Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquiries : Dept of Ed XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX we had a conference call with CITI and XXXX at XXXX XXXX. We were told they would be returning the money. On XX/XX/XXXX we had another conference call and XXXX sent letters stating her company 's billing dept had made an error and since I canceled the policy I should get the {$600.00} back. We were again told I should receive the credit in a few days. On XX/XX/XXXX I talked to a rude condescending supervisor at CITI. On XX/XX/XXXX I talked to XXXX, XXXX, and XXXX and he said I should have the money in 2 days but it could take 2 weeks. On XX/XX/XXXX XXXX at CITI and XXXX at XXXX and I had a third conference call at XXXX 's request and we were assured the money should be returned. On XX/XX/XXXX I called and talked to XXXX and XXXX, XX/XX/XXXX I talked to XXXX and XXXX and was told I WOULD get the money back by Friday XX/XX/XXXX! On XX/XX/XXXX I talked to XXXX on XXXX XXXX and she said XXXX sent me an email and he should be calling me. His response in the email was that I opened the dispute with the incorrect reasoning, It seemed like it was my best choice of drop down boxes onXXXX! He has not called yet. According to the Insurance documents the CITI payment on XX/XX/XXXX was not accepted which started this whole problem! I disputed this issue 2 times because I was stuck between these 2 agencies! 40 phone calls have failed to produce anything, many of these were an hour or more.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to issues like unauthorized transactions, fraudulent activity on my account, issues with customer service not resolving a problem related to disputed transactions, failure to refund money after a scam, problems with account access, and I was charged incorrect fees. This violates Consumer Financial Protection Act ( CFPA ). Also they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ).
Product: Money transfer, virtual currency, or money service

I had a 5 YR CD with XXXX Axos Bank ( based out of XXXX XXXX, CA ) for {$55000.00}, which expired on XXXX XXXX. I requested on the phone to have the funds deposited in my checking account and was told 1 ) That I could not request this transaction until the CD 's expiration date ; 2 ) On the date the CD expired I called was told that it could only be done by me, online. After I told them I did not see the option to do it, I was told that it was a technical issue and that someone will call me about it ; 3 ) 24 hrs. later no one call me. On XXXX XXXX, I was told that I had to fill out a form to request the transfer. It could only be done by check or by wire transfer ( fee : {$35.00} ). I chose the wire transfer and submitted the form via their secure message center. I received acknowledgement that it was received. 
4 ) On XXXX XXXX I was left a message saying that the bank needed to verify my request. I called the bank numerous times. The call center told me that they did not do veryfication of requests. So I sent another message, through their secure message center, veryfing my request. 
5 ) Today XXXX XXXX I logged in to my XXXX Axos Bank accounts and it shows no money. I have another CD for XXXX with them that expires on XX/XX/2021. However, my account now show {$0.00} and their customer call center can not help either. 
It makes me think that someone is running away with my money. Could you please help me.
Product: Student loan

This issue goes way back to 2017 of XXXX and maybe a 1 time after that and now I am tired and have figure it out on how I can take my matter to a higher level to get resolve.. My complaint is against Fed Loan Services- student loan. 

I have contacted them many times in the past regarding my student loan account. I have requested for FedLoan Services to send me a bill each for my interest that is accruing on my account each month that is not being paid by the government. And they claim they can not provide me with that, in which I find that very unfair that Fed Loan Services can charge me interest and they can not provide a monthly statement of my interest. I have never heard of such thing, if a consumer borrow money from any financial institution then it is the lender responsibility to provide that borrower the not just a statement showing the amount owed ( all added up into one balance ), but the lender must be able to provide a statement showing the monthly amounts itemized out on the statement. Just like on a credit card, the creditor provides a monthly statement with current balance that includes any recent charges including the interest that was charge for that month 's period. As FedLoan Services continues to adds interest to my student loans accounts along with reporting the added interest to the credit bureau showing that my balances on my loans are increasing, which can and is causing a negative effect on my credit utilization on my report, which in terms affects my credit score. So therefore, FedLoan Services needs to provide me with a monthly interest statement showing me what interest has been added to my loans for that month. It is not my job to be their computing system and calculate my own interest every month, they need to do that and providing a lump sum total of all my interest with showing me the interest for that months period is not sufficient. As a lender FedLoan Services is supposed to provide accurate, detailed, itemized information to the borrower. I want to know every month, not every three months, because FedLoan Services reports to credit bureaus every month, so therefore I want to see it every month what the amount of interest that is being added to my account and I want to see it on my statement separately, so that it can be paid monthly. I will not do their job for them, because it's not my job to do its only knowledge for me as consumer/borrower if indeed I wanted to know how my loans are being calculated. And I believe they have a duty to me as a borrower to provide me with a clear statement every month I am being charge interest.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I have two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a screenshot inside this complaint in on dates of XX/XX/2024, XX/XX/2024. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CARD, 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

I have repeatedly asked experian, XXXX XXXX and XXXX, to report accurate information regarding this XXXX account and they keep saying the information is verified in compliance, when the consumer law states they have to report 100 % accurate information but there's obviously not a human looking at my dispute. 

PLEASE SEE THE ATTACHED DOCUMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a dispute via USPS certified mail to Lexis Nexis asking them to update my personal information and remove all wrong names, old addresses, phone numbers, emails, etc. According FCRA 15 U.S.C. 1681 602 ( A )... I have the right to privacy. Also FCRA 15 U.S.C. 1681 604 ( A ) 2 states ... '' a consumer reporting agency, ( Lexis Nexis ), can not furnish an account without my written instructions. I did not authorize any company to access my consumer disclosure report/credit score. I do not have nor want any requisite names, aliases, and/or other inaccurate information to be retained on my report without my written consent. I never received the receipt from Lexis Nexis saying that they received my mailing.
Product: Credit reporting or other personal consumer reports

I want these 5 inquiries remove from my credit I don't recognize ASAP!!! 
XXXX of 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: Debt collection

I have never received a single collection letter nor phone call nor any other means of collection from this company regarding account XXXX and furthermore, the report on my credit by XXXX  claims history of on attempt and one registration to the credit bureaus. Furthermore, I have never been to this Hospital and it can not possibly be about me nor anyone from my household because we have all have private insurance by XXXX XXXX and again this is not possible. At any rate, there is nothing fair reporting or otherwise by means of collection when one is not notified by mail nor phone nor by any means prior to slapping an unsubstantiated charge on an otherwise perfect credit report. Please take from these unscrupulous agencies the power to do such harm to people and to rob people of their peace and calm. Report to whatever agency needs to have this information regarding less than proper practices regarding collections and reporting of debt and have them immediately pull this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts with the  XXXX  credit reporting bureaus  XXXX , Equifax and  XXXX  the credit accounts opened well over 7 years ago and most have a  XXXX  balance. Also it 's been two years and some hard inquiries are still showing on my credit report. I do n't know why the credit bureaus will not remove all of these accounts. There 's a lot of unlawful credit reporting activities and this most definitely  XXXX  of them.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX {$22000.00} XX/XX/XXXXXXXX XXXX {$25000.00}
Product: Vehicle loan or lease

Paid off on car but still paying on it..interest loan exceed States lawsays we had a second loan
Product: Debt collection

I called mcm and told them it's a case of I'd theft and disputed but no validation received till now ...
Product: Credit card or prepaid card

I am set up for direct deposit to my checking account through the IRS, but instead of direct depositing my funds, an account was opened in my name without my permission. According to XXXX, the account activity is as follows : XX/XX/2021 XXXX Transfer to personal bank account Amount : ( {$600.00} ) XX/XX/2021 XXXX One-time Contribution from AFC Economic Impact Payments XXXX  Amount : {$600.00} According to the above, XXXX held my money for 26 days without my knowledge and without paying any interest. According to XXXX, the current rate for personal loans ( assuming XXXX has good credit ) is 10.3 percent. Very roughly, XXXX owes me {$4.00} in interest and {>= $1,000,000} for severe emotional distress. 

When I call XXXX, no one answers the phone, so I have no reason to believe that a real person would respond to mailed correspondence either. There is no place on the website to close the account. 

I want this account closed, and all future money owed to me by the United States to be direct deposited to my personal bank account as I request every year when I file my taxes. It is not for the U.S. Treasury to run a retail bank at all, much less one that opens accounts in secret and exposes Americans to potential fraud and abuse. I have already written to my Congressional Delegation on this matter and am investigating further legal options.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was fraudulently opened and maintained. I've contacted the company ( Best Buy ) and communicated that. But they keep calling and threatening to place it in collections.
Product: Student loan

I made a payment to completely pay back my student loan over a months ago on XX/XX/year>, however when I log into the edfinancial portal it still posts the full balance ( plus interest since then ) and my payment is nowhere to be seen. This is although I have a confirmation email and screenshot from ed financial confirming my payments. It is also unchanged on my credit report.
Product: Payday loan, title loan, or personal loan

XX/XX/2020, I received multiple emails thanking me for applying for loans. Later that night, I also received notices from credit bureaus that XXXXXXXX XXXX XXXX had accessed my credit files. Due to the Thanksgiving holiday, I could not contact anybody until XX/XX/2020 and i went to a local XXXXXXXX XXXX XXXX branch. They said YES, someone had applied for credit through them and they ran my credit. They acknowledged that their XXXX AZ branch was the one who did it. They gave me a phone number of their corporate office to dispute this XXXX. I called and they emailed me an affidavit to refute the inquiry. They said that they would get with all credit bureaus to remove the inquiry. On XX/XX/2020 I received an email from Mountain Summit Financial stating that my first loan payment was due ( account xxxxxx ). I called MSF up and they said I needed to email my complaint to XXXX and they would get back to me at their leisure. A loan for {$1000.00} was taken out in my name, using my SSN, MY Address, but not the banks that I use. I did not authorize the Credit pull, nor did I apply for any loan.
Product: Credit card

The representative indicated that the creditors reserves the right to increase the APR regardless without reason. However, the reason as stated on the notice does not align with my credit profile nor other credit holders with less ideal credit profiles. This needs to be analyzed to ensure that U.S. Bank is not isolating certain protected classes of borrowers as previously determined.
Product: Payday loan, title loan, or personal loan

My paycheck wasn't direct deposited in time and the loan didn't get paid. I was assessed some fees due to this and another payment not going through and it made my account negative. I contated the company and they made an agreement to let me pay the loan on XX/XX/XXXX. Since then they have been calling me 5-6 time per day and emailing me. I asked them not to call me but they continue to do so. I don't understand the need to call since we had a repayment plan in place.
Product: Credit reporting or other personal consumer reports

I just recently reviewed my credit report and noticed a fraudulent account on my credit report. Please remove as it is hurting my ability to obtain credit. Thank you!