23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/XXXX : logging in using my Personal ID and password, only bus accounts show on screen. I'm told the accounts have been " melded ''. This is without any input from me. I'm given a case # XXXX and told someone would get back to me in 48 hours. First lie : no on ever gets back to me, trying to get an explanation is impossible : phone tree and robot akin to waterboarding, then when finally in queue, no one answers the phone for over 20-30 minutes.This happens countless times. 

On XX/XX/XXXX, while at a conference in XXXX I get an e-mail ( copy enclosed ) that makes me panic, they've deleted my bill pay from my BUSINESS ACCOUNT. Try to find out about this and have same exp as above. This e-mail turns out to be totally wrong! I have no idea what they're doing. 

On XX/XX/XXXX, I go to BoA XXXX Branch, speak to XXXX XXXX, mgr who says he will look into it. He responds on the 11thXX/XX/XXXXthat " they '' said they didn't need to get back to me because they " fixed '' it in two days. No explanation of what they're doing to my accounts. Are they melded or not? He forgets to bring up the e-mail. I get another Case # XXXX, which they never respond to. 
XX/XX/XXXX, I log into my account using Personal User Name and Pasword and the screen is exactly the same as it was on XX/XX/XXXX. -only my bus accounts, no personal account showing. I'm harangued by Mr XXXX, who insists I am logging in with my Business user name and password, because " they '' said I was. I send him a video that shows " they '' are again wrong proving " they '' don't have a clue. 
XX/XX/XXXX- I change my Personal password again, I log in and finally have my personal account showing, but now my Business Checking doesn't show which means I can not transfer funds between my Personal and Business accounts. As of today, that's how it remains. 
I have also been told that they have the wrong tax ID for my Business account, but since it is impossible to get any answers or believe anything they say at this point I am reaching out to you. 
When does their sloppiness cross the line into malfeasance?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ( XXXX ) and auto loan from XXXX XXXX failed to follow persuite with inaccuracies on my credit report that I disputed..I manage to get the 2 off my XXXX   and also XXXX XXXX  is off my XXXX and XXXX XXXX  failing to take it off XXXX  and XXXX   after disputing from the other credit companies that I have screenshots of the companies credit report deletion
Product: Credit reporting or other personal consumer reports

On, or around XX/XX/2024, I submitted a dispute directly to Experian, and submitted documents regarding the account that was being reported incorrectly, and provided personal information so that Experian could identify me. 

However, instead of investigating my dispute, Experian has sent me multiple emails, stalling this investigation, and listed different reason for their refusal to investigate.
Product: Credit card or prepaid card

I have been the source of an almost constant barrage of marketing, payment reminder and other emails from XXXX XXXX XXXX. I do not own a self card, although they keep reminding me that my payment is due. 

Repeated tickets to their service center with no results and at least fifteen unsubscribe attempts have gone ignored.

I just want them to stop contacting me.
Product: Credit reporting or other personal consumer reports

I requested USAA provide me with the IRS required 1099-C from regarding an account frequenting reporting on my credit reports. Per their response, the debt in question does not meet the requirement for providing a 1099-C form, however, the response goes on to speak to the debt having been " assigned to multiple third-party collection agencies. To date I have not been provided with the chain of title nor formal written notification of the assignment as legally required. Further I have yet to have the account verified per my request late in XXXX  all of which constitute violations of the Fair Debt Collection Practices Act. This lack of compliance only further supports my argument of the illegitimacy of the debt and the improper reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open a account with this company in XX/XX/XXXX, as we all know the XXXX hit Americans XX/XX/XXXX, well I talk to them in XXXX of XXXX and explained to them that I had loss my job due to XXXX I was assured that they wouldn't report to my credit and it did. I paid the account off in XXXX and early. I called the company in XX/XX/XXXX, it was told they apologize that it did report and they would fix it and it could take 60 days to update. I called again in XX/XX/XXXX, and was told the same thing and that give it 60days to update. I called again in XX/XX/XXXX and was told that the information was true and they can't fix it. I ask to speak to supervisor and was hung up on. I have been calling this company every other month since then. This is destroying my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXX collection on my credit that I never had and a XXXX inquiries on my credit and I never applied for a car both are keeping me from getting a job
Product: Credit card

On XX/XX/23 I called American Express at XXXXXXXX XXXX Call duration was XXXX, XXXX minutes and XXXX seconds. Please look up the call transcript, and listen to it. Why did the agent say that they would call me back after reaching out to the right department about reinstatement of the account? Why was I never called? Why do I have no missed calls or voicemails? Why when I called the following day to request the call records be looked at and find out the agent I spoke to, I was not informed of the agent? Was it the same agent XXXX days in a row? I was misled into closing my account. I requested not closing it/re-opening it within XXXX minutes of the agent closing it earlier through live chat.
Product: Checking or savings account

I stopped using the account towards the end of 2019 but it remained open. I didnt realize some transaction must have caused my account to have a - {$10.00} balance. I realized that in XXXX and initiated a transfer from my primary account for the {$10.00}. That was sent on XX/XX/XXXX. The account was actually closed on XX/XX/XXXX. Additionally a deposit was attempted by the IRS on XX/XX/XXXX in the amount of {$1200.00}. 
I began contacting the bank Simple ( BBVA Compass ) on XX/XX/XXXX to ask if there was anything that I needed to do since that account was closed. I was initially instructed that the process to return the funds often took XXXX business days. After XXXX business days I called Simple back because I did not see the funds back in my primary account XXXX XXXX XXXX. I was instructed that the funds had been retuned and I needed to contact XXXX. I did, they indicated that they had not received the funds back and they couldnt do anything until they received the money back from Simple. Ive called Simple several times to be told there is nothing that can be done, they dont have the funds and would have bounced back to the sender. I have also sent support messages so that some of the interactions are documented. On XX/XX/XXXX I spoke to someone at the IRS who was able to place a trace on the deposit and found that it was sent to Simple and not returned to the IRS. On XX/XX/XXXX I contacted Simple again to let them know that the trace had been completed and to ask for some assistance in locating the payments. I spoke to someone named XXXX who was incredibly rude and just hung up on me while I was explaining the situation.
Product: Checking or savings account

I spoke to my bank, PNC, regarding withdrawals from a lender who was to have no further access to my checking account. I was told that the impending payment would be reversed due to a stop payment request and the payment returned. However, I noticed on Saturday, XX/XX/2018, that the payment was taken back out of the account. One of the charges was disputed but it was also returned to the lender. This lender has been incorrectly stating the remaining amount of the loan and has breached the contract. I made my bank aware that this lender is to no longer to have access to my account but it seems my bank has disregarded me as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover that aTRANSFINACIAL COMPANY had a collection on my credit report in XXXX. On XX/XX/2021 I sent Transfinancial a letter for validation of debit by certified mail. They responded not complying with the letter. Also, Transfinancial does not have a debt collection license to collect debts in OUR STATE! I reaffirmed this bye sending one more Debt validation letter on XX/XX/2021 by certified mail asking for the license number and agency Issuing the license and so forth. No Response. So I looked it up myself, and they have no license to collect debts in FLORIDA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Fraudulent Information on my credit report since XX/XX/XXXX. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, the Credit reporting agencies have violated the FCRA section 605b which states that the Credit Bureaus are required to remove any accounts and information resulting from the Identity Theft. By submitting this CFPB Complaint, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX  XXXX  XXXX  XXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8300.00} XXXX XXXX - XXXX XXXX Opened XXXX XXXX, XXXX Balance {$750.00} XXXX  XXXX  XXX Opened XXXX. XXXX, XXXX Balance {$1200.00} XXXX XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$400.00} XXXX XXXX XXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$12000.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX  XXXX XXXX  XXXX  Inquiry Date XXXX XXXX, XXXX XXXX  XXXX XXXX/XXXX  XXXX Inquiry Date XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX
Product: Mortgage

CFPB complaint against Ocwen Loan Servicing Per Ocwen Loan Servicing policy, Ocwen reports to all credit bureaus each month on every customer. Per Experian, Ocwen did not report for XXXX XXXX. This date reflects as " data unavailable ''! This credit bureau entry clearly shows that Ocwen never reported for this month. Per the previous complaints filed with the CFPB against Ocwen, these complaints reflect that Ocwen Loan Servicing reported " D no payment history available ''. Per Ocwen Loan Servicing website, the credit history letter request dated XXXX XXXX XXXX reflects that Ocwen is showing on their system, XXXX XXXX as " no payment history available this month ''! Per our payment history sheet dated XXXX XXXX XXXX, our XXXX XXXX payment was received by Ocwen Loan Servicing on XXXX XXXX XXXX. Per our credit history sheet dated XXXX XXXX XXXX, Ocwen reflects in there system for XXXX XXXX as " D no payment history available this month ''. Attached are documents for the CFPB to review! 
As you can see, this has been on ongoing issue with Ocwen Loan Servicing, bad business practices. Ocwen loan Servicing failed to report to all the credit bureaus for XXXX XXXX even though Ocwen received our mortgage payment in advance! Ocwen has failed to update their records and all the credit bureaus months later. Ocwen Loan Servicing is violating our rights to have our mortgage payment history be reported accurately each month! Ocwen 's policy to freeze credit reporting during a complaint violates our rights and possibly federal and state laws! Ocwen 's policy does not exceed federal and state laws! We request that Ocwen Loan Servicing corrects this issue immediately, reports accurately each month to all credit bureaus and verifies that the information that Ocwen employees put on our account must be accurate each month! Failure to do so must result in action taken by federal and state agencies for violating our rights!
Product: Money transfer, virtual currency, or money service

I trust this message finds you in good health. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation has occurred due to a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

Throughout my history as a PayPal user, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is of the utmost importance to me, and I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only relieve my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process expeditiously. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Product: Student loan

I spoke with a customer service rep for Nelnet back in XX/XX/XXXX. I was trying to get an amortization schedule because I wanted to see how my balance was being paid down over time as well as a breakout of interest vs. principal. He said there is no way for Nelnet to provide me with that. ( See attached below. ) The reason I asked is because my loan terms just didn't seem to add up. I felt like I was paying much more than I was supposed to based on my interest rates. This morning ( XX/XX/XXXX ), I received an email from Nelnet indicated that my student loan rates were increasing. I was not aware that this would happen. I then checked my email history from Nelnet and found that the interest rate for this loan has been raised twice in the past with email notification dates from XX/XX/XXXX and XX/XX/XXXX. Nowhere in my loan details on Nelnet 's site does it say that my rates would increase or that the interest rate is variable for that loan. My payment amount did not change, either. Which is why I was unaware that more of the payment was going towards interest. This is why I wanted an amortization schedule in the first place back in XX/XX/XXXX. 

In the chat transcript ( see attached ) from XX/XX/XXXX where I asked about the amortization table, the Nelnet rep mentions that he does not see interest rate variability on my loan. This
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

This account has not been validated a XXXX has been removed from XXXX and XXXX I need this removed immediately as the company has yet to validate the Debt. 

I need them to stop reporting wrong information to the credit bureaus as false and misleading practices. Will also report to Attorney General, FTC and XXXX.
Product: Checking or savings account

On XX/XX/XXXX, my CHASE checking account was restricted and I was told the account was pending closure. 
On XX/XX/XXXX, the account was officially closed. In the latest statement, the final transaction only showed 'withdrawal ' without any explanation and date or who withdrew it. 
On XX/XX/XXXX, the branch banker told me that I needed to wait for another week for the check to be issued. 
On XX/XX/XXXX, the banker of the branch told me that they could no longer mail me the remaining final balance by check because my transaction involved fraud. My friends did not dispute the transaction after asking. 
On XX/XX/XXXX, the manager of the branch asked me to notify each friend who transferred money to me one by one and asked them to call their own bank and then dispute their transaction. Their bank needs to do a source of report research request. However, the bank 's customer service on the phone told me that my transaction was still under investigation and the funds were still on hold. They didn't know how to deal with it next, but it was almost a month since the whole incident happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/XXXX     a request for my credit was made by   XXXX   XXXX   XXXX  . This is an inquiry on my credit report that needs to be removed.
Product: Debt collection

I am continuously receiving phone c alls from MIDLAND FINANCIAL DEBT COLLECTORS from MULTIPLE phone numbers. I have REPEAT EDLY asked them to NO LONGER call me and correspond with me v ia U.S. Mail. They CO NTINUE to call me at ALL hours of the day from  XXXX  EST -  XXXX  EST. They repeatedly disregard my request to correspond ONLY with Mail and that they are harassing me. I have blocked every number from them. Here  are a few of the numbers they have called me from with dates and times. This is just in the last TWO  WEEKS :  XXXX  -  XXXX   XXXX , MI -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX , NV -  XXXX / XXXX / 17   XXXX   XXXX  - Unknown Location -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX / 17   XXXX   XXXX  - Unknown Location -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX /   17   XXXX ,  XXXX / XXXX / 17   XXXX  -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX , NJ  XXXX / XXXX / 17  -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX   XXXX , CO -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX , NV  XXXX   XXXX / XXXX / 17   XXXX ,  XXXX / XXXX /   17   XXXX   XXXX  - Unknown  Location  -  XXXX / XXXX / 17   XXXX   XXXX  - Unknown Location -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX /   17   XXXX
Product: Credit reporting

I Have disputed a fraudulent account which went into collections with Trans union over XXXX times. Each time they claim they verified status and they keep saying they have not received the documents I uploaded via their own websites and also that i faxed to them. I have letters from both the collection agency : XXXX XXXX XXXX and the original creditor XXXX. XXXX XXXX has also submitted a XXXX and it is not getting updated. I would like this removed from my credit report however I am tired of disputing it with trans union. Fortunately I provided the same proof for XXXX and XXXX and they removed it also immediately.
Product: Debt collection

I have filed this complaint before case # XXXX when another debt collector was being used by XXXX XXXX. They continue to pursue these charges but have not EVER proven where they come from and how they applied to my account that was closed in XXXX 2014. The account was paid in full and 6 months later an additional bill was sent to collections which I refuse to pay without accountability of where the charges come from. I have reviewed complaints about XXXX from other customers and they are notorious for charging erroneous amounts after accounts are closed and people pay them and find they continue to get billed even after that. I fear that this will happen to me as I paid my final balance IN FULL. XXXX is a dishonest company that has refused to comply with the basic consumer right of disclosure of services being billed. This should be illegal and I wish I was able to sue them for the time spent and the damage they have done to my credit history. As soon as XXXX debt collection company dumps the account, they move to another. This is what they have done. The same charges are now with a different debt collector. They will continue to harass me until I pay this charge. My credit has been damaged to the point where I do n't even care any more. They will never get a dime from me as they are thieves and I will never pay them an amount I simply do not owe. This is the fleecing of the consumer {$100.00} to {$200.00} dollars at a time. They do this because they know at some point people will give in and pay the amount they are harassing them about. I have called them numerous times to request a full outline of where these charges come from and they refuse to comply. I am NOT going to pay just because they say I owe the money. Please refer to the previous complaint that I filed and the resolution of that account. I now have to communicate and start all over with this new debt collector. This is a scam and has to be stopped.