23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Have been attempting to apply for SCRA benefits with American Express since XX/XX/XXXX. My home of record is Louisiana, which is a Key Provison state and has additional benefits in regards to the SCRA laws. Initially I was rejected on XX/XX/XXXX. I resubmitted my request along with my inital contract ( proof i enlisted from Louisiana ), member summary data report ( proof of home of record ) LES ( proof that Louisiana is my home of record ), as well as, current orders ( XXXX Orders ) on XX/XX/XXXX. I recieved notification on XX/XX/XXXX requested the information that was already provided be provided again. I uploaded the sane information XX/XX/XXXX via upload center, a method listed on the request for proof of residence notification. I have contacted customer support on various occasions requesting assistance. They resubmitted my SCRA request on XX/XX/XXXX requesting that the SCRA department look at the upload center documents for all requested information. Still I am receiving requests for proof of my home of record. I am unable to speak to anyone working with the department as the customer service line can not redirect me. I am receiving no information on updates, just requests for my home of record being Louisiana which has been submitted numerous times.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on the report inaccurate underc15. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about the report relates.

15 US. Code 1681 ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or canto be verified the consumer reporting agency shall ( 1 ) promptly delete the item of information, as appropriate .baaed on results of the reinvestigation and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report LNVM. 
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Product: Credit card or prepaid card

I received a letter from Discover Card stating, ( see below ). I have never corresponded with Discover Card about a card ending in XXXX. I tried to call and speak with a representative but was unable to because of bad communication with the rep. My current Discover card account is current as of todays date and I have never had an account that ends in XXXX that I can recall. MY current account # ends in XXXX. I am a victim of fraud and identity theft. 

Discover @ Card account ending in : XXXX Dear XXXX XXXX : Thank you for your recent correspondence. We have reviewed our account records and determined that we are no longer collecting on this account. The account is closed and charged off. Due to the age of the account, it is has been removed from your credit file. 
If you have any questions, please call XXXX-DISCOVER ( XXXX ). Knowledgeable Account Managers are available to assist you 24 hours a day,7 days a week. 
Sincerely, XXXX XXXX  XXXX Per state law your debt has been extinguished and we may no longer accept payments. In addition, the trade line has been deleted from your credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing a past due balance Under FRCA XXXX ( a ) I am disputing the completeness and accuracy of the information being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is accurately and erroneously reporting a 30-day late notation. I request an investigation into this.
Product: Vehicle loan or lease

XX/XX/XXXX XXXX XXXX XXXX XXXX Ga XXXX RE : XXXX ( Account ) Retail Installment Contract dated XX/XX/XXXX ( Contract ) XXXX XXXX XXXX VIN XXXX ( the Vehicle ) Dear : XXXX XXXX XXXX XXXX so that has been established that a contract was signed on XX/XX/XXXX under a false & deceptive manner. 

Pursuant to federal law 15 usc 1692a ( 6 ) any person entity or corporation. Trying/attempting to collect money from me is in fact a debt collector.

Since you are not a debt collector am invoking another cease & desist from all collection this account. Until you can provide proper documents of validation of debt. Including but not limited to. I need to see your books, files, ledger, audit trail, whatever form of record keeping you have of this transaction and 15 usc 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt.

( 2 ) the name of the creditor to whom the debt is owed.

( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
I am holding you XXXX XXXX XXXX personally willfully and knowingly of falsifying information, coercion, extortion to pay a debt that has already been paid XXXX XXXX XXXX you are personally liable for running a racketeering ring. 
You must comply with my validation of debt. Congress says you shall. I should have already received that notice of debt : content 7 months ago. 

After entering a credit transaction, you fraudulently turn my credit application into a retail installment. contract which was never defined in truth in lending act. 
You have violated my consume rights you are in default, and you have refused to cure this action you have time and time again lied about not violating federal laws and state laws. 
So, if youre not a debt collector what are you? 
Because you seem to be exactly what congress told me a debt collector is Make the best decision! 

Yours truly
Product: Debt collection

Original loan with XXXX. Debt was sold off to XXXX ( A.K.A. Plaza Services at phone # XXXX XXXX ). I called XXXX to request settlement offer to clear debt and XXXX referred me to collections company XXXX who owns the debt now ( verified on my credit report. Representative ( XXXX also stated she is a manager with XXXX and one of the policy makers on no settlement offers ). I requested a settlement offer from XXXX at XXXX and was advised that XXXX ... /Plaza Services is not a debt collector but a debt buyer. I asked if I could get a settlement offer to close the debt out and was told by XXXX they do not offer settlements since they are not a collection agency but they would take the entire amount owed on the account they purchased. I told XXXX my credit report is showing that Plaza ServicesXXXX is the collection agency to contact to resolve the account. XXXX advised me that XXXX/Plaza Services is not a collections business and my account is in a holding status with thousands of other accounts until XXXX gets it assigned to a collection agency. I asked who the collections agency was and XXXX said it has not been determined yet. I asked how can XXXX accept money from me for a full pay out or as XXXX suggested to set up payment arrangements when XXXX is not a collections agency. I asked why would accounts be in a holding status preventing the consumer from closing the account through a settlement. None of XXXX answers were consistent with other agencies. XXXX advised me that I could not speak to anyone above her management level to get a deeper understanding of why the debt could not be resolved through them versus waiting until XXXX removed the account from a holding status. What struck me as odd was XXXX at XXXX was the customer service representative, the office manager and decision maker, and an author or the company policy on no settlement offer. It appears strange that XXXX is doing business as a debt purchaser and is indicated on my credit report as a collection agency and will not negotiate a settlement on a debt they own per their policy. 1. Are their actions legal or within guidelines? 2. Are they splitting hairs to meet their need to make more than their share of money off of consumer debt without oversite? 3. Why can I not settle my debt with a company that owns it? Does this fall under the fair credit act? 
This experience does not appear to be a proper way to handle consumer debt
Product: Debt collection

Claims to be calling from First Financial Bank ( XXXX ) XXXX Trying to Contact XXXX, but I have only had this phone for a few months and my name is XXXX. I informed them they have the wrong number and they told me I would have to pay them {$10.00} to stop calling. I told them, I would file a complaint and I didn't even believe they were with First Financial Bank. They made many strange comments and accusations such as " I stole this number from XXXX '' and what they were doing was not against the law.
Product: Vehicle loan or lease

Exeter Finance has reported a write-off for my vehicle loan on my credit report. However, I have not received a 1099-C as required by the IRS under 26 U.S.C. 6050P for cancellation of debt over {$600.00}. I believe this is inaccurate reporting and request an investigation into whether Exeter Finance has correctly handled this account per federal laws.
Product: Debt or credit management

I am trying to get my card sent to another address and add my sister on my card. I am in the hospital here in XXXX and cant talk where I could be understood. And I told the person on the phone that. My card was stolen and also my wallet. I cant remember the last transaction because I am here in the hospital. My sister can speak for me but they wont let her help me so I can get my card. We also ask them to call the hospital to verify that I am here and that my sister is over my affairs because of my condition. Could you please help me to get this resolved ASAP. If you have any questions please contact my sister because you will not be able to understand me. Thank you, XXXX XXXX. You can reach her by email XXXX or phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year I have been actively monitoring my account with a credit reporting agency, TransUnion. I have paid off debt, obtained credit, paid it off, and my score increased from the mid 500s to the high 600s in  the TransUnion credit reporting system. A week ago they reported my score at XXXX ( XX/XX/XXXX ) and now they have dropped my score to XXXX ( XX/XX/XXXX ). I am attaching Desktop pages from their web site. Nothing from a week ago has changed with my credit. I still have bank and brokerage deposit balances in the medium six figures, have not borrowed any money, I have the same job for over 20 years, and actually in XX/XX/XXXX my income increased by $ XXXX with my turning XXXX and receiving social security additionally. 

In addition, the top of the TransUnion web site Desktop for my account on XX/XX/XXXX reported XXXX and below on the Desktop it clearly says XXXX is my Credit Summary which matches the Score Trending graph. So there is a discrepancy within their own page reporting. 

I believe this is an arbitrary calculation and mishandling of the credit reporting mechanism that in my particular case is certain to affect my ability to make a move to a less expensive apartment next month, because my credit will be obtained by the landlord 's home owners ' association and it is likely I will be declined the ability to become a tenant.
Product: Checking or savings account

The money in the estate account that I controlled was removed with XXXX fraudulent checks between XXXX and XXXXXXXX XXXX because the XXXX fraud protection had collapsed. There were many indicators that the checks were fraud but due to XXXX 's carelessness they made unauthorized payments to XXXX XXXX. The XXXX resolution after the initial dispute process was that one check would be given credit and the other checks were denied because of bank policy. The care management team is for the care of XXXX and not the customer. That is why I am reaching out to the Consumer Financial Protection Bureau for help because they are not operation fairly. The important issue is that all the money in my account was stolen while it was in their care. I was trusting them to keep it safe. There was a crime and the law was broken.
Product: Checking or savings account

I tried to open a checking account with Chase in mid XXXX. I tried to make transfers into the account throughout late XXXX and XXXX, but my transfers repeatedly were rejected. It was to the point where I was going to get charged a fee for not having an account balance despite REPEATEDLY trying to make valid transfers. I went into the branch, called Chase XX/XX/23 and XX/XX/23, XX/XX/23, so many times on different numbers. I was told by a chase representative that it was simply NOT possible to make external transfers into chase ( false ), which lead to me asking them to eventually close my account. At the time that I asked them to close my account, my balance was XXXX, so I thought, no problems. However, 3 weeks after this call, the account is STILL not closed, and my transfers are going through. So then I have $ XXXX in the account and it is openappears account is not being closed after all. On XX/XX/23, 3 weeks after my last call to Chase, suddenly the account disappears from the website, it is closed, and it says the XXXX is withdrawn. I go into the bank and work with the banker, they call the closings line, who says they have NO idea why the account a ) didn't close when I originally went through, b ) then stayed open and MULTIPLE {$1000.00} transfers went through, c ) then closed arbitrarily 3 weeks later with no notice and d ) where exactly the {$2000.00} has gone. They can not even tell me whether they have mailed me a check and if so where to ( I informed them I do not have residence at my mailing address and CAN NOT receive a check there ). This is absurd behavior by a bank that I literally pay to have a card open on. I feel that Chase stole {$2000.00} from me simply by " not knowing '' what they were doing and having no knowledge of how their own internal banking processes worked. Additionally, while my account was held open for 3 weeks after I made the call, Chase allowed my transfers but did not make my funds available for WEEKS- which I am pretty sure is illegal, without a reasonable hold reason they should not be able to simply hold my funds for that many business days. I have been trying to resolve this issue with Chase for a month and a half at this point and have seen NO resolution.
Product: Credit reporting or other personal consumer reports

I am reporting this as an open account, which is not under FCRA compliance. This is inaccurate reporting on my credit report. 

XXXX XXXX  reported XX/XX/XXXX debt {$330.00}. I spoke with manager and there is no debt I owe! This is a violation of the fair credit reporting act. 

XXXX XXXX reported XX/XX/XXXX for a payment of {$220.00}, this is also in violation of the fair credit reporting act XXXX XXXX reported XX/XX/XXXX th XXXX, I am unaware of this company and it is violation of the fair credit reporting act
Product: Checking or savings account

I found two fraudulent charges to my checking account, with same amount of {$18.00} each. I filed dispute with bank and they refunded one of the two charges for {$18.00}. When I called the bank 's fraud center they confirmed that only one refund was issued. Regarding why the other transaction not refunded, the answer was " not sure ''.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, and XXXX ) credit report, and I noticed a negative item on my report that i did not authorize to report. On the account I have attached is 30 day late payments that are improperly reporting. I have tried to work this out with the credit bureas and have been unsuccesful. The account listed below is identified as aggravated identity theft per 18 U.S. Code 1028A. 18 U.S. Code 1028A U.S. Code ( a ) Offenses.
Product: Debt collection

I have no knowledge of this debt. 
I'm requesting for a full debt validation of this debt or delete the negative report off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX I met with XXXX XXXX, a XXXX XXXX at Key Bank about changing my accounts and setting up a major credit card. XXXX XXXX informed me twice that charges to the credit card would incur zero interest for the first XXXX XXXX Shortly after being approved, my dog had some emergency medical issues so I charged my new Key Bank XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I charged {$3900.00}. I planned to pay it off within a year so that I wouldnt have to pay any interest. So I was shocked when I received my first credit card bill and saw an interest charge of {$83.00} on XX/XX/XXXX. I called XXXX XXXX and he said that yes, it should be interest free for the first 13 months. He said he would research the issue and get back to me. He called me about eight days later and told me that the zero percent interest was only for balance transfers. I exclaimed that that isnt what he had told me. XXXX said he would do some research to find out what I could do about this situation. He never called me back. Since then, I have had more medical emergencies with my dog and have charged an additional {$1300.00}. There was also an additional interest charge of {$82.00} on XX/XX/XXXX. I was misled by Key Bank regarding the credit cards interest rate. I believe I should be reimbursed for the interest charged, {$160.00}. In the past week, I have had to obtain another credit card with a no fee balance transfer promotion and 1.99 % APR for the first XXXX XXXX The transfer to this new credit card of the Key Bank credit card balance is in process. Thank you for your consideration.
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX. I am part of the CFPB settlement with Omni Financial. I have requested that they reissue my check. The refuse to reissue my check until the check void date ( which is not for another month ). They say they will then issue another check 8 to 10 weeks after that time. I would like them to re-issue the check now and not wait the 3 months to issue a check.
Product: Student loan

Mohela still has not addressed the problem that there should not have been a separate forgiveness process for subsidized and unsubsidized loans. Both loans originated the exact same date, with the exact same loans. Mohela responded that they received the okay from FSA for one of the loans to be forgiven but not the other. 

Here is the text of the response : Our records indicate that as of this writing, MOHELA has not yet received confirmation from FSA that the subsidized portion of your loan may be forgiven through PSLF. Please note that the evaluation for PSLF forgiveness eligibility is completed on a sequence-by-sequence basis, and one portion of a Direct Consolidation Loan may receive this determination before another. 
As of XXXX XXXX XXXXXXXX MOHELA escalated your concern to FSA for a review and determination of the remaining portion of your loans eligibility for forgiveness. MOHELA is unable to expedite or determine the timeframe necessary for this evaluation, but anticipates that this FSA review will take approximately 90 days. Upon receiving confirmation from FSA of any additional PSLF eligibility, we will update your account accordingly to reflect the provided. 

If this is the case, then a complaint also needs to be made against the Federal Student Aid portion of the US government, and Mohela needs to be able to also hold the federal government accountable for not empowering Mohela to do its job in a timely and correct manner. 

There is no reason for there to be separate timelines on forgiveness when the consolidation for all loans occurred at the same time.
Product: Mortgage

I contacted Loan Care about removing PMI from my mortgage. I started my FHA loan when the terms stated that PMI would be removed when loan to value ratio is 78 %. I contacted Loan Care several times and they stated that the value is based of my home 's appraised value of {$190000.00}. I reached the 78 % milestone in XXXX. Since then they have removed PMI payments from my account three times. After I contacted them about removing PMI from my account, they removed a PMI payment from my escrow account to make my payment look like they removed the PMI. If I hadn't checked the payment history, they could have continued removing PMI from my escrow account without me knowing it. They never responded to my message.