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

We experienced a financial hardship after Hurricane Florence and have letters from BB & T stating that we were approved for Forebearance starting in XX/XX/XXXX through XX/XX/XXXX. We sold the house on XX/XX/XXXX. On that date, BB & T falsely reported to XXXX that we were 120-149 days late which made my credit score plummet. We called repeatedly during the Forebearance to make sure that no payments were due and that everything was good. They reassured us all was well. I am very upset about this. This will take time to fix and until then, I will be wrongly penalized if I apply for any credit. 

Not only this but we continuously received letters from BB & T during the Forebearance telling us we were in default and that actions would be taken if we didnt pay the outstanding past-due balance. That was very misleading and when we called them, they asked us to ignore those letters as they are system letters. These should NOT be sent to customers like us who followed the correct process and continued to receive incorrect letters.
Product: Student loan

To the Consumer Financial Protection Bureau : I am writing to make an official complaint against Mohela, my federal student loan provider, regarding the capitalization of > {$10000.00} in accrued interest on my loan after I entered the first payment period. I graduated from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, repayment for the first time. I believe that the capitalization of my accrued interest is an unfair business practice and I was deliberately misled by Mohela regarding the capitalization of my loan. 

I have called Mohela to discuss my loan >5 times between XX/XX/XXXX and XX/XX/XXXX and was never told that the accrued interest would capitalize. The two signed promissory notes, one for XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and one for XXXX XXXX and XXXX XXXX XXXX ( XX/XX/XXXX ) both state that accrued interest " may '' capitalize and the subsequent interest statements that I received also said that interest " may '' capitalize when my loans enter repayment after graduation. None of the paperwork that I signed ever clearly stated the rules and conditions under which this judgement would be made by Mohela. " May '' is a deliberately vague and misleading description that leads me to believe Mohela made the decision to capitalize my accrued interest at their own discretion, and in a deceptive manner. This business practice will likely result in an increase of > {$4500.00} in loan repayment to Mohela. 

I am happy to provide any additional documentation from Mohela that is necessary to review my claim. I hope that the CFPB will assist me in this matter. 

Kind regards, XXXX XXXX
Product: Mortgage

I previously filed a complaint regarding Citi 's handling of my request for modification of my Home Equity Line of Credit ( HELOC ), Case # XXXX. The problem now is that I can not get CitiMortgage to send me copies of the monthly statements for the HELOC payments. The last statement I received was for the XX/XX/XXXX XXXX XXXX XXXX billing period. What is odd is that every other piece of mail that comes from Citi ( notices and letters from CitiMortgage regarding the HELOC - most recently, Citi 's response to my CFPB complaint - even statements from Citibank regarding inactive bank accounts ) arrives at my residence, so they clearly have the correct address. They just don't send the statements, which makes it even more difficult to stay current on payments. ( This was a recurring problem last year - I am still missing 3 out of 12 statements for XXXX - and I complained numerous times ). I spoke to a customer service person most recently on XX/XX/XXXX, who promised to email me the most recent statements, for XXXX, and to work on getting me the missing copies from XXXX. I have received nothing. I sent the attached email to XXXX XXXX, the person who contacted me regarding the earlier complaint, in the hopes she could obtain at least the XXXX statements so I could make a payment. I have not received a response. This will, of course, sound completely paranoid, but my dealings with Citi have been such that I have no trouble believing that the statements are deliberately not sent so as to accelerate the process by which we will lose our home.
Product: Checking or savings account

I opened an account at Truist with a {$50.00} deposit. They immediately marked it as fraud. I thought Truist closed it. However, they have been charging maintenance fees which has depleted the {$50.00} and caused {$20.00} in overdraft fees.
Product: Credit card or prepaid card

My Southwest Rewards credit card by Chase Bank was unilaterally cancelled by Chase without any prior notice, on XXXX. I found out when I was embarrassed by having my card declined at the grocery store. I called the company twice that same day, and was only told that the card was cancelled and would not be restored, yet they refused to explain why. I filed a complaint with the XXXX XXXX XXXX with the same results. All Chase would tell me is that the account was closed " because an affiliate is ending their banking relationship '' with me, apparently referring to something dating back to XXXX. I asked what " affiliate '' they were referring to, and what happened in XXXX. I have no idea what they are talking about, and they refused to provide any further information. I don't understand why they are afraid to do so. There were no late payments, and no payment was due at the time the card was cancelled.
Product: Mortgage

Loan is seriously overdue and approaching foreclosure. I think this was predatory lending and loan has been sold to XXXX companies. I have repeated ask for sale in lue, short sale, and other options because I have problems paying mortgage since I moved away during a military move and I have recently divorced. The Mortgage also has PMI insurance. The company has stated that they could not attempt to modify the loan before because I needed to show a good payment history. I have not been able to maintain a good payment history and that is a part of the problem. I am currently XXXX to XXXX as a XXXX and really need help keeping this loan our of foreclosure.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX has validated The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 reporting or other personal consumer reports

Re : XXXX XXXX XXXX-pushed private loan Firstmark Services is continuing violations including, but not limited to under the FCRA. 

Firstmark Services Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I asked the company to cease and desist is TIME BARRED. ( Email latest communication ). The company had in the past had outright denied that the XXXX XXXX private pushed loan of which the school was directly involved was time barred ( ref payment I was mislead to make on XX/XX/XXXX ). Discharge occurred XX/XX/XXXX. Firstmark continued slyly changing status. Please reference the statute of limitations for a Florida consumer. Firstmark is believed to be a Nelnet company In XX/XX/XXXX I received delinquent reporting to my credit report ( s ) and the company reporting a collection status. 

Furthermore for the CFPB to view availability of civil relief fund for me as to XXXX XXXX matter, I have yet to receive compensation for damages suffered by me or refunds of payments made. Federal Trade Commission may also be able to assist with appears to be a XXXX Debt Collection Scheme.
Product: Credit reporting or other personal consumer reports

" Please investigate and remove the fraudulent hard inquiries listed on my XXXX and XXXX credit reports, as they are not authorized and XXXX be affecting my XXXX XXXX. I have not applied for any credit or loans in the recent past, and I suspect identity theft or error has occurred. Please take immediate action to correct this issue and ensure the accuracy of my credit reports. ''
Product: Credit card or prepaid card

In XX/XX/2019 i signed up for a American express XXXX card where the promotion was within 3month if you spend XXXX you will get XXXX bonus hilton point. After 3 month when i ask them where is my bonus they say you are not eligible, which they never communicate at time of application or by mail, and i have a good score, no default in history, they are not even giving a reason why i am not eligible for bonus. 
I want two answer. 
1-> If a customer not eligible for some bonus why dont they communicate.

2->What basis they made that i am not eligible for offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In fact, the law provides me with protection as a consumer to prevent inaccurate information from being simply reported on my credit report. Before I speak with my own legal counsel, I would like to have one last request for analysis so that I can learn how to manage inaccurate and unverifiable materials that are now being accepted as real. These accounts must be verified by the three credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following accounts as needing investigation and correction due to inaccurate reporting : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX Balance Owed : {$880.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently sent experian two documents reguarding an account on my credit report via certified mail, i also sent a photo id and a social security card..both documents were very clear in detail, one which under federal law and spelled out very clearly was basically not honored or reviewed, as an employee lied to me about what i requested..i sent a method of verification letter which clearly stated the account i was inquiring about, which states under FCRA 611 ( a ) ( 7 ) that i have the right to receive the documents that they have used to verify the account was mine, within 15 days.the agent i spoke to told me that they dont have any documentation about the account and that they arent required to send it to me.so experian sent me a letter stating that they couldnt honor my request based on the limited amount of information regarding my dispute when clearly in the heading of my method of verification letter that they received it states the name of the account that i am inquiring about.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 a fraudulent inquiry was made to my Transunion report by XXXX XXXX XXXX. I have attempted to reach this company by phone and not been successful. I have been the victim of identity theft and Transunion has instructed me to reach out to each company, on my own to resolve this myself. I'm attaching my related police report I have made for identity theft.
Product: Debt collection

I do not know or owe, this company ERC {$990.00}. I have never done business with this company. They do not have my signature on a contract with ERC. A dispute has been filed, but it remains on my report. Please have this item removed as soon as possible. It has damaged my credit tremendously.
Product: Checking or savings account

I opened a Merrill brokerage account in XX/XX/XXXX in branch. At the time I believe I was offered {$1200.00} in bonus for opening the account. I have funded the account the same month and met all other requirements. To get the bonus I was supposed to wait 6 months, which I did. 

On XX/XX/XXXX I contacted Merrill support to enquire about the bonus because it was already more than 6 months and I haven't received it. I was told that the person who helped me open the account has not submitted bonus request for my account. So either Merrill representative lied to me or there was a problem in the Merrill system. The support representative said that they can submit application for my bonus. 

On XX/XX/XXXX I had another conversation with support confirming that I will get a bonus. I was told that I can either get a {$900.00} bonus or if I wait another 3 months I will get a {$1500.00} bonus. I agreed to the latter and asked for email confirmation. The representative verbally confirmed that they will send the email, but I never received it. 

On XX/XX/XXXX I contacted Merrill support yet again to inquire about the bonus and ask to get an email confirmation for specific dates and amount I can expect to get. I got another verbal confirmation, but never received any emails. I also asked what would be the latest deadline for the bonus. I was told that I will definitely get it by XX/XX/XXXX or earlier. I notified the representative that if I don't received the bonus by XX/XX/XXXX I will be forced to file a Consumer Financial Protection Bureau complaint against Merrill. 

On XX/XX/XXXX I contacted Merrill support yet again to confirm that we are on track and asked why I have not received any email confirmation. The representative confirmed that I should get a bonus, but he doesn't know the date and he said he will contact me if the date is later than XXXX XXXX or if there are any other issues. I have not received any communication since then and I have not received my bonus. 

At this point I have no choice but to file a complain as Merrill consistently failed to deliver on their promises.
Product: Credit card or prepaid card

In XX/XX/XXXX, our card was compromised and new cards were issued. Our card was frozen to prevent further use. 
However, the company requires two arbitrary conditions to use credit card rewards. The first is that you have to use your card to spend your rewards and that you spend more than the reward total at the time of purchase. 
For example we have {$120.00} in rewards. We tried to spend {$100.00} at XXXX using the {$120.00} in rewards. However, the card was locked thus we were unable to use the rewards. 

Now, the XXXX XXXX removed all the rewards only because new cards were issued. We didn't close any accounts or do anything. They just stole the {$120.00} in rewards. 

Additionally, the rewards are timed with expiration dates. The company is blocking the use of the rewards, taking the rewards away, and thus creating false advertising for the card rewards.
Product: Student loan

My private student loans from XXXX XXXX XXXX XXXX XXXX   , Trans World Systems, were being serviced by XXXX. I was unable to make the monthly paymets, and I was not allowed to contact XXXX XXXX XXXX XXXX directly. XXXX claimed that they are the only agency I can correspond with in regard to the matter.

XXXX urged me to write a letter explaining my situation, and that they would forward it on to XXXX XXXX XXXX XXXX XXXX  on my behalf. That letter is at the end of this statement. I never heard back from XXXX, and XXXX  kept telling me there was nothing they could do on their end. The loans are now being serviced by XXXX XXXX XXXX XXXX. Apparently this is the servicer XXXX  uses for delinquent debt and uses strong-arm tactics to get their money. They will not accept a financially viable payment solution, and will only accept a payment plan that is far beyond my means, with a massive up-front " good faith '' payment. It is untenable, and they are now threatening to sue myself and also my mother who is the co-signor.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Here is the letter that was sent : To whom it may concern, I just finished speaking with one of your customer service reps, who was very nice, but said there was nothing she could do for me. She recommended that I send this email, asking you to pass this information along to the lender to see if there is anything they can do for me.

AC # ************* XXXX XXXX.

Apparently, back in 2010, I used up my one & only forbearance option, and am now unable to get the loans current again. I was given a reduced payment plan back in XX/XX/XXXX, but it did not make the account current and now there is a huge past due balance on the loans. I am unable to bring the account current, and do not see any possible way to bring it current.

My credit has been absolutely destroyed by this account, dropping it over 350 points since last year, making it impossible refinance it. The current payments are just a little higher than I can afford, but what is worse is that the past due is untenable and is just making the delinquency worse & worse every month.

I really need the account to somehow be brought current, so that I can make normal payments and no longer be delinquent. Please help!

Sincerely, XXXX XXXX.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- And here is the confirmation of XXXX ' receipt of this letter : Thank you for contacting XXXX XXXX XXXX  ( XXXX )!

A request has been submitted to have your lender contacted. Please allow up to 10 business days for processing. We can not provide a response time for your lender nor can we guarantee an outcome. Correspondence will be sent once a response has been received to advise you on the outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX Balance Owed : {$290.00} XXXXXXXX XXXX XXXX Balance Owed : {$1000.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX Balance Owed : {$4300.00} XXXX XXXXXXXX XXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$820.00} XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXX Balance Owed : {$15.00} XXXX XXXX Balance Owed XXXX {$640.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00}
Product: Debt collection

I was forwarded to CFPB by the FCC regarding a scam text message. I do not have unknown outstanding debts and have never heard of State Collection Service Scam text message below : Notice from State Collection Service, a debt collector. Document password is 5 digit zip XXXX Contact XXXX Reply Stop to end
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 XXXXXXXX Account # XXXX, has violated my rights. 
-XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
-XXXX XXXX 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: Student loan

I requested a refund from Aidvantage for all payments i made on my loans from XXXX XXXX. They reinstated my loan balance on XX/XX/27, but they said it would take anyway 8-12 weeks for then to provide me the refund in my bank account. That will not work if that forgiveness is blocked, because then interest will kick back in and i still won't have my refund to pay my loan off again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have contacted Equifax Informations Services over 6 times and to no prevail. They are not reporting and investigating the unauthorized and fraudulent account. I have provide all the documents requested by the FTC and Equifax. The creditor stated they have not been contacted by Equifax to verify that account and have no records. 

This is becoming Stressful dealing with Equifax and I am also including in their data breach to add more stress to me and my family. I need this resolve promptly and need Equifax to do the right thing in investigating and removing this misleading information on my credit profile. 

The account that does not belong to me and needs to me Delete and remove promptly is : XXXX XXXX  XXXX XX/XX/2015 {$6500.00} I have tried everything the right way and still Equifax is not doing the right thing to help resolve this situation that against my FCRA rights. 

Thank you for helping me resolve this issue. Appreciative XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this account was ever disputed. that is a violation and this account need to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters regarding inquiries found on my credit were submitted  XXXX  on  XXXX , and Equifax on  XXXX .  XXXX  refused to remove any of the inquiries and an second letter was send  XXXX . I never received a response from Equifax nor an update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up an account with XXXX, XXXX and Experian so I can look at my credit report on scores online, and after a few days XXXX and Experian is saying i have the wrong log in. XXXX says my file is blocked and just shows null on every page. I have made countless attempts to contact someone but the numbers send me into a loop and then hang up on my. I have sent them a letter about this problem and received no response.