23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for loan forgiveness in XX/XX/XXXX through XXXX XXXX XXXX due to a total and permanent XXXX and had to jump through hoops for XXXX  years to make sure the total and permanent XXXX forgiveness went through. In XX/XX/XXXXI filed a XXXX form with my taxes after receiving a letter in the mail from XXXX XXXX stating that my {$32000.00} worth of private loans had been removed off my credit and permanent record. Mind you each year from XX/XX/XXXXthrough XX/XX/XXXXI had to send in a copy of my taxes with all of my medical records and letters stating that I was indeed totally and permanently XXXX. I also contacted the Department of Education for the state of XXXX who has also stated that the private loan for the above amount should have been permanently deleted from my credit and permanent record. I am contacting you because as of today Nelnet ( The agency that collects debt ) claims that I still owe the amount even though I sent them a copy of my tax transcripts and a copy of the letter they sent me stating that the loan had been forgiven. This has been damaging my credit and has also caused lots of stress due to their incessant phone calls telling me I owe them money. I have called them several times since XX/XX/XXXX to try and get this resolved and they simply will not resolve it unless I pay the above listed amount, which I do not owe.
Product: Debt collection

On XX/XX/XXXX, I sent a certified letter to Transfinancial Companies in which they didnt respond. So, I proceeded to send a letter to the Credit Bureaus in which they ( Credit Bureaus ) stated they validated that it was mine, however during the verification process they still didnt send me anything with my signature to prove that the debt was mine. The debt is in the amount of {$640.00}. This is a violation of HIPAA because Im allowed under HIPAA to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that HIPAA does allows the release of limited information about me but with the patients authorization. Therefore my request was twofold-validation of debt and HIPAA authorization.
Product: Credit card or prepaid card

I received a credit card I did not request. I called the company to advise that I didn't request a card and did not want it. I was told by the representative that he was sending me an email verifying the closure of the account and removal from my credit history. I received a text message asking how the representative did his job. I responded with that was not what I wanted I requested verification of the account closure and removal from my credit.
Product: Checking or savings account

HSBC closed my checking and savings account on XX/XX/2023 for no reason, I asked the reason for the closure and was told that there was no reason, I did not do any illegal operations, I hope to verify, thank you!
Product: Credit card or prepaid card

On XX/XX/2019 I contacted Chase to reject their proposed arbitration terms. Chase refused to accept my rejection. I followed up several times, but Chase continued to refuse to accept my rejection. On XX/XX/2019, I asked Chase to justify its refusal. Although I was informed I would receive a response in 24 to 48 hours after my XX/XX/XXXX inquiry, I never did. I inquired again on XX/XX/2019, and Chase 's responded as follows : " We apologize for the delay in our response concerning your arbitration agreement inquiries. [ NAME ], upon checking, we are still reviewing your inquiry. We'll get back to you as soon as we have the resolution. We sent a follow up to the appropriate team. They will respond to you directly as soon as possible. '' That was almost two weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i section 5 ( D ) ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. accounts XXXX account XXXX, XXXX XXXX XXXX account # XXXX This accounts by the other consumer reporting agency were found inaccurate information and Removed
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for all
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX helped me out by finding a way to check if my XXXXXXXX XXXX were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts 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, credit repair services, or other personal consumer reports

Twice this year I had a " mixed file '' issue with another person resulting in a sudden drop in my XXXX XXXX. I was told that " further research '' was needed to prevent the issue from happening again and that I should have been contacted after the first case. I have received no correspondence regarding the root cause of the issue.
Product: Debt collection

Previous complaint number XXXX. In response to your answer : ARS, Account Resolution Services is a third party debt collector. We are not a billing agency. We do not have the explanation of benefits from the consumer 's carrier, nor are we required to possess that documentation. The consumer does not need an explanation of benefits to inquired as to the processing of the claims in question. The consumer can contact their carrier, provide the dates of service in question, and the carrier can advise the consumer of the claim status. My response to you is that I contacted my insurance carrier and I was told that in order for them to know what bills I am claiming to be in collection, they need to get an invoice from the medical billing department. Obviously I do n't have a bill because I never got one because I provided my insurance information, so the insurance carrier ca n't check if they paid it or denied the claim, if I do n't send them the bill, this is all you need to get from the hospital. Then they look at the invoice dates the medical provider sent them and they will be able to find in their system the bills in question, what was paid and what was not.
Product: Mortgage

I applied for a loan modification and was excepted with trial period starting XXXX When I spoke with them on phone on XX/XX/2023 ( after completing XXXX & XXXX trial payments ) They told me as long as I make XXXX payment by XXXX ( when they closed ) I would still be on time for XXXX trial payment. On XX/XX/XXXX I spoke with loss mitigation coordinator to assure there were no issues.She told me payment was accepted and she would call me once modifications were ready to be mailed out. The next day I received a letter dated XX/XX/XXXX stating that I'm not qualified for modification because I failed to make all the trial period payments.Called them with no return call so tried again today XXXX and spoke with rep who said payment had to be made by XXXX on XXXX which I was told XXXX in earlier conversation.Now they are trying to kick me off modification and have to pay {$4200.00}.
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, 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: Debt collection

XX/XX/XXXX I called Citibank North America ( CBNA ) to request a validation notification. I spoke with an CBNA employee & she informed me they can not send me any letters/notices about my debt account due to it being in the archives & closed. 

XX/XX/XXXX I called Citibank North America to speak with someone else about my debt. The CBNA employee said my account is in the archives & they do not have access to it therefore they can not send me a letter on my account debt. The CBNA employee also informed me my account is in the archives & closed at this time. 

XX/XX/XXXX I called Citibank North America for a second time this day. I request to speak to someone higher up. They denied my request. I asked to get a letter on my debt so can get it paid & off my credit report. The CBNA employee said my account is in archives & closed. They can not send me any kind of paperwork and any payment i make is voluntary. I asked the employee how do i get it off my credit because it is keeping me from getting a mortgage. The CBNA employee said i have to send a check but they can not send me any paperwork because my account is from XX/XX/XXXX and closed in the archives.
Product: Credit reporting

My Experian credit report and XXXX XXXX show an address of XXXX XXXX XXXX . XXXX . XXXX, XXXX XXXX XXXX, FL XXXX. I have never lived in Florida. This address has been used by someone trying to open accounts under my name and identifying information. This needs to be removed from my credit history. My credit report also shows hard inquiries by XXXX. I have never applied to XXXX for an account. This is the reason I have fraud alerts on my credit reports. These need to be taken off my credit report.
Product: Mortgage

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XX/XX/XXXX TO XX/XX/XXXX to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. FREEDOM MTG never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant to rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Credit card

I opened a card with Wells Fargo through a retail purchase at a jeweler. The only reason that I choose the financing option was due to it being a surprise and not wanting to pull the money from our savings account. Since the finance charges are paid at the origination of the loan it makes no financial sense to pay the card off now at this point. As with all of our bills this was set up on auto-payment shortly after the account was opened. At that time I had made an error in the checking account information causing the payment to not process on the next payment cycle. This first occurrence was my mistake and it was promptly corrected on our end by making the payment as soon as the issue was realized. From that point I went back online and canceled the previous auto payment with the incorrect information and set up the new one. The next month to my surprise the payment did not process yet again but this time everything was set up correctly for the auto payment. After calling and speaking with a representative they argued that the auto payment was cancelled but not set back up. I could clearly see on my online account that it was set up after the initial incorrect auto payment was cancelled. After I directed the representative to where i was reading the message from Wells Fargo about the auto payment we saw that it stated that it could take 2-3 months for the auto pay to go into effect! I explained to the representative that I felt this was completely unacceptable. How was I to know if it processed or not until after my payment was already late I asked. Her response was that she was n't sure and I would just have to monitor my account to see if it came out or not. When it came time for my next payment to process it failed to do so again. I spoke with the representative who claims to see no auto payment information on my account. After I logged into my online system I was astonished to see that the previous messages from Wells Fargo on my account about the auto payment are no longer there! It is as if they had been deleted because even the welcome messages etc. are gone as well. If the call I had with the first representative was reviewed it will be clear that what I claiming is in fact truthful. 
We are in the process of building a home so our credit is very critical at this point. We strive very hard to ensure nothing is ever late with any payment we make and always pay much more than the minimum. Wells Fargo has been nothing but a hassle since the very first payment and all we are trying to do is ensure they receive the money we owe them. Every month it is a constant issue taking time out of our busy schedules to ensure this gets corrected. The frustration and XXXX we deal with on a monthly basis is not acceptable and I feel Wells Fargo should be held responsible to make this correct. We are very deliberate about every account we choose to open and what banks deal with our financial matters. We feel at this point that Wells Fargo is not meeting our expectations when our time is extremely valuable to us.
Product: Credit reporting or other personal consumer reports

Based on, 15U, S CODE {$1600.00} c2, Under15 U.S. CODE1681e ( b ) 1681 ( 5 ) In accordance with the Fair Credit Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & conditions, Failure to comply will forfeit your claims and will require you to delete all the list of items above You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never filed for Bankruptcy in my life yet the credit bureau is reporting that I have a bankruptcy from   XXXX   on my credit report. This is incorrect information and has been disputed numerous times with the credit bureau. My concerns are never addressed and this continues to damage my credit when the account is not even mine. I need the credit bureau to ensure their records are in order. In the past, the credit bureau has reported other persons ' accounts on my credit just because I share a similar name. If I really did file for bankruptcy in   XXXX  , would n't several accounts be showing on my credit as " Included in Bankruptcy ''? They do not because this record is not mine and I ca n't understand why the credit bureau refuses to see this and address my concern. I do not understand the logic behind the credit bureau investigation.
Product: Mortgage

Truist Bank keeps changing the amount I owe for escrow. In less than two weeks I was told my shortage went from $ XXXX to $ XXXX to an additional $ XXXX. They've applied an escrow payment to the principal in error and I can not trust what they say over the phone nor can I trust their paperwork is correct. To date, they claim I still owe them {$6000.00}. My loan was sold to them in XXXX. Before the transfer my insurance was paid and the difference was sent to me. I sent the difference ( {$6100.00} ) to Truist. ( proof of insurance payment is attached ). 

That difference would have been close if not enough to cover at least the school taxes, leaving only the county taxes unpaid at the time of transfer. My total monthly escrow comes to {$1900.00} ( based on what was paid in 2022 ), which to-date ( 5 months ) would be {$9900.00} plus the unpaid {$6100.00} for county taxes comes to a total of {$16000.00} for escrow. For all the payments I've made to Truist ( {$23000.00} ), that comes to a difference of {$7600.00} in my favor. My monthly principal/interest payments add up to roughly {$1500.00} for the past 5 months ( a total of roughly {$7900.00} ). My arrears then should only be about {$300.00}. 

Last week, both Monday and Friday, they said I owed {$8000.00}. I wanted to pay the {$8000.00} and close the escrow account. Then they told me I couldn't close the account until I paid them an additional {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Navient to the XXXX for continuously reapplying an old closed account to my credit report for over 10 years. 

Navient sends me a new bullying email using info from my XXXX complaint. I emailed the XXXX about my concern that Navient was not using the arbitration steps required for this complaint process. 

The XXXX closed my account and listed my failure to respond as the cause. 

The XXXX only sent me XXXX emails, the first to open the account and the second to close the complaint, see the attached documents.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX i WAS GOING TO PAY A COMPANY THAT WORKED ON MY HOUSE IN South Carolina. The company that I was going to pay name was XXXX and it is owned by XXXX XXXX who has and account with Pay Pal. When I sent it Pay Pal sent it to another company which is also called. I immediately called Pay Pal and told them and put in a dispute about this transaction. The amount is XXXX dollars. Pay Pal wrote me and said they could not do anything about it. I have tried contacting the company that they sent the money to by email because that's all the information I can get from PayPal. The email address is XXXX XXXX I have reached out twice and get no reply. I told the company about the mistake and have ask them to reply but they don't. I have since paid the man that did the work at my home at XXXX XXXX XXXX XXXX, SC and have a receipt for the work. I notice on PayPal it says why i was paying this amount so I know the company can look back and see the have never done any work at that address. I hope that we can get to the bottom of this and I can get my money back.
Product: Credit reporting or other personal consumer reports

I demanded that the consumer reporting agency in question immediately implement a full security freeze and enforce an opt-out from any use of my consumer data, including personal information, tenant screening, and rental background reporting. 
I am not seeking rental housing and have not provided consent for the use, sale, or distribution of my personal or rental-related consumer data. Any continued or future access, reinsertion, or dissemination of such information without my express permission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase a XXXX XXXX cleaner, we did the paper work to run my credit on Thursday XX/XX/XXXX, and i was under the impression they had only one finance company. They have since ran my credit three times without my knowledge, and dropped my credit score drastically. I cancelled the purchase Tuesday XX/XX/XXXX. I don't know if its legal or illegal, but they did it without contacting me on the other inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to open a Bank account and once they ran the ChexSystems 3 accounts came up on my account that were listed as NSF ( 2 ) activity or Account Abuse ( 1 ) I wrote to the banks and to ChexSystems on XX/XX/XXXX to let them know that I had no recollection of owning or signing for these accounts. I received a letter from one of the banks stating that the account was valid but they did not send me proof of signature. I wrote them another letter on XX/XX/XXXX requesting that they send me proof of signature.
Product: Checking or savings account

My account # XXXX was frozen by Citibank in XX/XX/2018. Citibank has NOT mailed the ( last ) XX/XX/2018 statement to my address on record. Why???