23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for the save program in XX/XX/2023 before student loan payments resumed. I was just granted student loan SAVE program on XX/XX/XXXX. By then NELNET tacked on XXXX in accrued interest. I want the accrued interest removed.
Product: Debt collection

Portfolio Recovery Associates has harassed me, attempted to sue me, used obscene and profane language, and attempted to collect a debt from me that did not belong to me. They also infringed upon my right to privacy as a consumer. These are all direct violations of USC 1692. Portfolio is violation of the following : 1, 1692b. ( 2 ) 2. 1692b. ( 5 ) 3. 1692c. ( 3 ) 4.1692c. ( 3 ) 5.1692d. ( 1 ) 6.1692d ( 2 ) 7. 1692j. ( a ) I have attached all exhibits as proof.
Product: Credit reporting or other personal consumer reports

Regarding my closed XXXX XXXX XXXX Account. The XXXX bureaus are not following the XXXX XXXX XXXX XXXX procedures for 15 US Code Section 1681e, part ( b ) Accuracy of report " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Please see page 5 of the attached document. XXXX bureaus are reporting 30 days late for XXXX different months. One bureau failed to even report any data.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
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 under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

I received a debit card from money XXXX point that I have never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 In accordance with the Fair Credit Reporting act the aforementioned accounts 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account late under an open ended consumer credit plan for any reason.

Refuse to block information resulting from identity theft Refused to send proof of validation of debt and full details of the supposed investigation.
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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 168s-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: Credit card or prepaid card

My unemployment card I have requested three times they told me the first two times it be in around two or three business day the first two cards arrived together through XXXX. I order the first card on XXXX XXXX then the second order of another card on XXXX XXXX they both arrived on the XXXX day XXXX. I order the third card on XXXX XXXX. Well since the first two cards I cancel them now today date is XXXX XXXX. My third card still has not arrived. I was on the phone with customer service and the young lady was being rude. Like it was not I asking about the third card. They have charges me three times when it's their fault. I feel someone or everyone is commiting fraud or trying for me to give up the funds to the debit card holder bank. I have bills to pay and am tired of them making too many excuses I have asks if they be able to transfer my money to my saving account they told me no. I feel they are able to do it but the refuses to do so. And the bank saving account is under my name and belongs to me the saving account. Am overwhelmed tired fedup stress out and just want to give up on life over this issues with this card debit card bank please help asap
Product: Debt collection

XXXX XXXX  this account is inaccurate and was not on my report a week ago and now it has appeared on my report I request to have this item blocked and removed from all credit reporting agencies immediately And I was told once items are removed they would not be able to be place or reinserted onto person credit report after valid removal.
Product: Mortgage

XX/XX/19 Paid off our mortgage We were told we would receive interest and escrow refunds of about {$1200.00}. They said check was required to be mailed within 30 days of the payoff. 

We have called many times to see if the check had been mailed. Including XX/XX/19 when we were told by a supervisor that it would absolutely be taken care of that day and we would receive a confirmation call. We didn't receive any calls. Since the refund had gone weeks beyond their deadline I told them I want them to add 10 % for use of my money. 

We need this money ASAP to pay taxes and now we will not be able to pay our taxes on time with this money. It is now causing us a hardship. 

I called yesterday ( XX/XX/19 ) and there was no supervisor available. The customer service person said I would have to call back some other time. I said that I needed an answer and he said they can't help me, and " You know how it is '' Today I called and they claim they will help me again. After many calls and 3 weeks beyond their own deadline to send the money, I do not trust that I will be helped. 

I was reading XXXX reviews and saw that another customer waited " months '' to receive their refund. 

The Statebridge Company reviews are nearly all bad. Some of the good ones were added by employees of the company.
Product: Credit reporting or other personal consumer reports

i never applied for this card its not mine Reported balance {$2300.00} Actual payment amount Date of last payment XX/XX/XXXX Past due amount {$2300.00} Account status Closed Date reported XX/XX/XXXX Payment details Last reported Review your last reported payment information and click FILE A DISPUTE to continue. 
Account type : XXXX XXXX  Help mark icon Whats this? 
Account owner Individual Account Loan type Credit Card Creditor classification Revolving credit limit {$2200.00} High credit amount {$2300.00} Term frequency Monthly Term duration Activity designator Date opened XX/XX/XXXX Date reported XX/XX/XXXX Date of last activity Payment Details Months reviewed XXXX Date of last payment XX/XX/XXXX Deferred payment start date Scheduled payment amount Date closed Actual payment amount Charge off amount {$2300.00} Delinquency History Balloon payment date Date of first delinquency XX/XX/XXXX Balloon payment amount Amount past due {$2300.00} Date of major delinquency reported XX/XX/XXXX Comments Consumer Disputes After
Product: Student loan

I have summarized in the previous two comment sections about my involvement and experience with a school, the school closing, and the application and process that I have been through with the clothes school loan discharge process. I have submitted attachments to justify and prove this long and unnecessary process. I can not define in words to express the hurt and suffering this is called to me XXXX, financially, and XXXX. This was a direct impact to my XXXX, to my support for my family, and the opportunities I lost.
Product: Mortgage

On XX/XX/2015 The Mortgage LOAN attained from XXXX XXXX XXXX was transferred to XXXX XXXX XXXX XXXX. Mortgage LOAN Number XXXX was unlawfully SECURITIZED by XXXX XXXX XXXX XXXX representative ( s ) agent ( s ) contractor ( s ) and is trading on the stock market today with CUSIP Number XXXX Symbol XXXX. 
I have sent certified letters and Affidavits of Fact and the response I received was inadequate. I requested XXXX XXXX XXXX Compliance to answer the following two questions : Was a Trust formed at the inception of this LOAN? 
Is the Trust being utilized today? These two questions were NEVER answered. Ms. XXXX NEVER responded regarding SECURITIZATION of the LOAN that was generated by my signature and thereafter used to fraudulently construct surety instruments for Profits.
Product: Debt collection

Requesting original contract, creditor information, payment history and proof of ownership for the debt amount of {$6900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have submitted this complaint three times to CFPB and no action has been taken. All CFPB does i forwards the compliant to the Bank of America who does nothing. I have complained to Bank of America Home Loan many times and they haven't done anything. They have been posing fraudulent transactions on my account to charge excessive interest. I need this to be resolved and I need CFPB to really get involved rather than simply forwarding the request to the bank. I have proof and audit trail of all my transactions.
Product: Credit reporting or other personal consumer reports

There is a collections company by the name of XXXXXXXX XXXX XXXX XXXX who has been calling me for the last two years regarding a debt for a school named XXXX XXXX XXXX XXXX. Stating that I owe them Money for XXXX. Which that is incorrect. I have no knowledge of this and I asked the collections agency to provide documents to show proof this is my account and I have yet to receive it. They are XXXX  my credit report by making derogatory remarks and its effectively damaging my credit. They have been harassing me for the last two years saying they are going to garnish my wages and suspend my license if I dont pay. I have spoken to the school and still nobody can give me an answer but yet its on my credit. I have fraud alert on my credit for years because I am a victim of identify theft. I just need this to be resolved quickly because this is hurting me and my credit and its been very hard for me to try and get a house with this on my report and especially when I have No proof this belongs to me.
Product: Checking or savings account

On XX/XX/XXXX I made a complaint against PNC regarding a NSF fee that posted on my account. Complaint number XXXX. On XX/XX/XXXX PNC Supervior XXXX reached out to me and resolved my first complaint. On XX/XX/XXXX I filed another complaint against PNC regarding to charges they placed on account. Complaint number XXXX. To which CFPB/PNC deemed as a duplicate to which it is not. On XX/XX/XXXX I contacted CFPB regarding the error and per CFPB rep XXXX advised that I have to filed the complaint over and explained that this a totally different complaint. On XX/XX/XXXX PNC Bank charged my account with two fees in amount of {$100.00} ( {$96.00} excessive withdrawal and {$4.00} monthly service fee ) In my prior complaint ( XXXX ) I explained that I reached out to PNC and spoke with their rep XXXX who stated that she " tried '' to request a refund onto my account in amount of {$100.00}. In addition, I explained that PNC Bank had NEVER charged me such fees and I had withdrawals from the months of XXXX and XXXX. THIS IS NOT A DUPLICATE COMPLAINT!
Product: Credit card

There is a fraudulent charge of {$4500.00} on my account that Bank of America refuses to resolve. I have never done business nor received any services from the merchant that charged my account. I have asked for a signed receipt, and a signed agreement from the merchant that charged my account, and Bank of America hasn't complied with my request. My account number is XXXX XXXX XXXX XXXX. I have closed my account with Bank of America. I can not pay for something that I did not use, and the Bank refuses to verify if I used the product or services.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The only mail I have received was the beginning of the year in XX/XX/2022 of a collection debt from a XXXX XXXX XXXX of {$1800.00} I have written a dispute letter yesterday and sent it off. and I have asked multiple times to send out a itemized Billing and they wont. I have called today and was threaten that I have a court date in XXXX over {$2000.00} of being sued. Again, wont tell me everything that I owe and wont break down costs. Asking me personal questions about where I work and if I still work there and if I own property or a home. I have paid them {$500.00} today as of XX/XX/XXXX, XXXX and I havent received anything yet in mail of any type of receipt or anything. I have never been in this situation before. I honestly thought my insurance had covered it all through my hospital. But I havent received anything else by mail of being sued and requesting payment. I also dont recall giving them any permission to contact me or look at my medical records and my personal info. Thats a violation. And also had to find out by phone call today that I was being sued and will be served soon and was asking me questions about my work place. And yesterday I received a letter in the mail by an attorney saying I was being sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit pulled and noticed that Equifax was not providing me with a score. I have multiple lines of credit open that report to them so I'm not sure why they're not providing me with a score. They are the only credit bureau that aren't providing me with a score and I need one immediately to begin my home buying process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover is reporting false information to the credit agencies. There have been several attempts to correct this information but Discover will not provide the correct information. An account with Discover was included in a chapter XXXX. However, no payments were ever missed on this account up to the Chapter XXXX, and once that began Discover received a payment settlement from the courts. However, according to the credit agencies, Discover has reported Delinquent payments. This is 100 % false reporting, as stated above no late payments ever occurred. During these difficult Covid Times, I am trying to refinance my mortgage to help me through. Discover is holding this back. I'm not saying Discover isn't correct in saying that this account was included in Bankruptcy, I am saying that their reporting of delinquent payments are wrong and must be corrected. This account is scheduled to fall off the report in XX/XX/2021, but during these times, I just can't wait that long. This would help me out tremendously. As can be seen in the attached, this is one of 3 accounts falsely reporting. XXXX XXXX has fixed theirs and that should be showing as paid in full with no delinquencies soon. The other is an account that will also be reported to correct.
Product: Mortgage

I am about to pay off my mortgage and M & T bank sent me a payoff letter stating that I owe {$420.00} for late charges. The late charges were incurred on the previous mortgage holder, XXXX XXXX, as I was told by M & T Bank. I do not think that I owe the late charges and I asked them to show me documentation that I owed it but they said I have to prove that I do n't owe it. My loan # is XXXX M & T Bank.
Product: Credit card

XX/XX/year> - FRAUD REPORTED TO BANK OF AMERICA. 
CALL MADE FROM XXXX XXXX XXXX, XXXX XXXX, CA. 
XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT CLOSED. AT THE TIME, THE ACCOUNT HAD A NEGATIVE BALANCE OF {$17.00}. I HAD PAID THE YEARLY FEE OF {$95.00}. 

DURING THE PHONE CONVERSATION ON XX/XX/year>, BANK OF AMERICA REPRESENTATIVE, XXXX XXXX, INFORMED ME THAT MY ACCOUNT WAS CLOSED AND I WOULD RECEIVE A REFUND CHECK VIA XXXX. 

XXXX  MONTHS LATER -- XX/XX/year>, I RECEIVED A LETTER VIA XXXX THAT MY ACCOUNT WAS OVERDUE. I HAD NOT RECEIVED ANY CORRESPONDENCE BEFORE THAT TIME AND HAD BEEN TOLD THAT MY ACCOUNT WAS CLOSED. I DID NOT FREEZE THE ACCOUNT BECAUSE THE HACKER WOULD HAVE DRAINED THE ACCOUNT - HE HAD ALL MY INFORMATION - POSSIBLY A PHONE CLONE BY XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a Cash App Visa Debit card issued through XXXX XXXX  in the mail to my home address. It was delivered anywhere between XXXX XXXX XX/XX/year>. 

I have never used or opened an account with either Cash App or XXXX XXXX. When I called Cash Apps customer service, they claimed they had no record of my account and said they would follow up with the issue. I contacted Visa and they confirmed they could see the account, but did not close it because it was issued through XXXX XXXX. 

I've contacted the credit unions and filed a fraud alert onto my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were in default status due to intermittent unemployment and persistent underemployment. Therefore, I entered into the Loan Rehabilitation Program with XXXX XXXX XXXX on XX/XX/XXXX. The Repayment Agreement was signed and submitted via email on Friday, XX/XX/XXXX and Thursday, XX/XX/XXXX. The Repayment Agreement states that I was supposed to make at least nine ( 9 ) monthly payments of {$5.00} each month. I have made and XXXX XXXX XXXX XXXX XXXX has processed ten ( 10 ) payments, which was more than agreed. However, XXXX XXXX XXXX XXXX XXXX has neglected to provide this accurate information to all three credit bureaus. I have complied with all requirements regarding timely paperwork and payment submissions. However, the incorrect repayment reporting to all three credit bureaus continues to adversely affect not only my credit score, but also my attempt to secure credit. 

I have submitted all requested payments before or within the payment timeframe. The following payments, in the amount of {$5.00} each, have been submitted to date : No. Payment Date Payment Type Comment 1 XX/XX/XXXX Payment Card Submitted on XXXX website 2 XX/XX/XXXX Payment Card Submitted on XXXX website 3 XX/XX/XXXX Money Order # XXXX 4 XX/XX/XXXX Money Order # XXXX 5 XX/XX/XXXX Money Order # XXXX 6 XX/XX/XXXX Money Order # XXXX 7 XX/XX/XXXX Money Order # XXXX 8 XX/XX/XXXX Money Order # XXXX 9 XX/XX/XXXX Money Order # XXXX 10 XX/XX/XXXX Money Order # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

improper information on my report
Product: Debt collection

Date - XXXX / Amount - {$360.00} / Violations of 15 U.S.code 1681 ( a ) ( 1 ) accuracy & fairness / 15 U.S. 1681 ( b ) Permissible purpose / 15 U.S. Code 181 C-2 / 15 U.S. Code 1681i For reinsertions/ Legal document letters of Cease and Desist / Harrassment / Trademark Infringement were sent, issued to company/agency/ Never was given proper legal Notice of debt within 5 days/ Never was sent the name and address of Original Creditor/ Never sent a statement informing me they were assuming the alleged debt to mine. Illegal third party debt company without permission reported fraudulent negative alleged debt / personal information to all 3 credit bureaurs XXXX, XXXX, XXXX.