23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX with Loan Depot with cash out for a remodel in XXXX, 2021. Made first payment via a one-time payment on XX/XX/2021 for {$2200.00}. Registered for Auto-pay on XX/XX/2021. Had to make one more one-time payment in the amount of {$2200.00} on XX/XX/2021, while Auto-pay is established. Received email confirming Auto-pay enrollment and first auto-payment would be made on XX/XX/2021. Received email confirmation on XX/XX/2021 that {$2200.00} was received for XXXX payment. Received email confirmation on XX/XX/2021 that {$2200.00} was received for XXXX payment. Received voicemail requesting a return call regarding loan at XXXX XXXX  on XX/XX/2021. Returned call on XX/XX/2021 and spoke with a representative who indicated my loan was was in default due to my XXXX payment hadnt been received and the XXXX payment was also due. I explained the loan was set up for auto-pay and successfully deducted XXXX payment. I was connected with a representative in the research department and was then told they attempted to apply the payment to the loan and the bank refused payment and that the account was closed. I have had this account at this bank for more than 15 years. I was told to submit the trace number and they would research it and that they had seen this same thing with other loans. In the meantime, this was reported to the credit bureaus and now my credit has been negatively impacted thru no fault of my own. I provided the info requested with the help of my bank, XXXX XXXX XXXX  XXXX. I called on XX/XX/XXXX to confirm receipt of the faxed trace info. The representative, XXXX insisted it was an issue I needed to work with my bank on. I conferenced my bank in on the call with XXXX and she proceeded to again state the issue was with the bank. The bank informed XXXX the funds were deducted and not returned. At this point I am out {$2200.00} and have a lower credit score and leery of sending anymore money if it cant be posted properly. I have requested to speak with the folks in the research department and am being given the run around. I have sent emails and filled out surveys in hopes someone from this very large company could call and talk with me. I experienced being put on hold/ignore for 25+ minutes or just being disconnected without a return call back. Loan Depot is being irresponsible and unresponsive leaving me minus {$2200.00} from my bank account, placed into default status on my loan and a lower credit score.
Product: Checking or savings account

First they lock my save and spend accounts and provide no reason why they did so. 
Then they demanded a copy of my most recent bank statement and copies of my drivers license. The license made sense but my bank statement? The way it had to be transferred to them does not seem secure but I begrudgingly did it in the hope I could get access to my own money again. That didn't work even though I was told that was all they needed. They then wanted additional IDs and for me to send photos of myself which seems really freaky. 

After going back and forth with this over a couple weeks I finally demanded they close my account and refund. I had to demand this several times over the phone and email and they continued to ignore me. 

I finally broke down and submitted a XXXX  complaint demanding they close the account and refund my money to my primary bank which was linked to my save account. Within a few hours I received a bubbly email letting me know that they were responding to my request and closing my account, they would then electronically deposit my funds back into my account. 

After several days I contacted them yet again to find out where my money was only to find out that instead of transferring the money back into my main account, as they promised, they mailed a check. 

The check never arrived at my home. 

Finally after several calls to their customer 'service ' department we find out that they mailed the check to an old address that isn't even on our account and hasn't been since XXXX of this year. 

The customer 'service ' representative begrudgingly agreed to send us another refund check this time to the correct address but adamantly refuses to expedite it in any way. Unfortunately that check was not received either. 

There are so many of us talking on social media about having these exact issues with this corrupt company that I'm shocked they are still in business. I know they have lost multiple class action lawsuits for their fraudulent business practices.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding their handling of my recent dispute letter dated XX/XX/year>. In the letter, I requested an investigation into inaccurate items on my credit report and disputed the incorrect personal information listed therein. However, despite providing all necessary documentation and information, I have not received any response from Equifax regarding the results of the investigation. 
Enclosed with my dispute letter were copies of my photo ID, social security card, and a recent bill displaying my current address. These documents were included to assist Equifax in verifying my identity and address, in accordance with their procedures. Despite adhering to their requirements and providing ample evidence to support my claims, I have not been provided with any updates or resolutions regarding the inaccuracies on my credit report. 
This lack of communication and failure to provide investigation results is not only concerning but also violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies investigate disputes within a reasonable timeframe and provide consumers with the results of their investigation. It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 
As a consumer, I rely on accurate credit reporting to make important financial decisions. The inaccuracies on my credit report could potentially have significant negative consequences for my financial well-being. Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter and ensure that Equifax fulfills its obligations under the FCRA. 
I am including a copy of my dispute letter sent to Equifax as proof. I am now demanding Equifax immediately and permanently remove the disputed items from my credit report.
Product: Money transfer, virtual currency, or money service

This is the second claim I have submitted on the bank, HSBC. I sent   XXXX  wi res to customers of the bank, totaling  XXXX  from my   XXXX   XXXX   XXXX   account. We suspected fraud so they   XXXX   wires were recalled but the funds have not been returned. The first complaint that I submitted were met by a response from HSBC that called for a letter for indemnity from    XXXX   XXXX   XXXX  . The lady in charge of the Fraud Dept at   XXXX   XXXX   XXXX   informed me that they are not able to provide such a document. If they  wish, I will sign such a letter for them, if it will help get my funds returned. My prior complaint # is  XXXX . Please recontact them for me and urge them to cooperate. I urgently need my money. I took out home equity loans to take part in this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has wrong addresses work place on my consumer report and should only have my correct name on report XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX Target Correct name ( XXXX XXXX XXXX ) any thing other than this should be changed or fixed.
Product: Debt collection

Dear Lending point I am writing to bring to your attention that I have not received a Form 1099-C from your company for the cancelled debt that I owed to you. As per the IRS regulations, creditors are required to report cancelled debt of {$600.00} or more to both the debtor and the IRS by filing Form 1099-C. 

I am aware that you have written off the debt that I owed to your company, which makes me eligible to receive a 1099-C form for the tax year in which the debt was cancelled. However, I have not received any such form from your company, which puts me in a difficult situation with regards to my tax filing obligations. 

I would appreciate it if you could please send me a copy of the 1099-C form for the cancelled debt as soon as possible so that I can properly report it on my tax return. Failure to do so may result in penalties and fines imposed by the IRS. 

Thank you for your attention to this matter, and I look forward to receiving the necessary documentation from you soon.
Product: Mortgage

Bank of America is foreclosing on my home. I applied for a Mortgage Modification/Loss Mitigation through the Home Affordable Modification Program ( HAMP ) and submitted all of the Modification application to Bank of America on XXXX XXXX. I did not receive anything from Bank of America, I called Bank of America 27 times. I was not given a single point of contact at Bank Of America, and on XX/XX/2019 told by Bank of America that they lost my Mortgage Modification paperwork and that I should contact their law firm XXXX XXXX which I did and was told that they did not have my Mortgage Modification either. Under the Consumer Financial Protection Bureau 's guidelines for Loss Mitigation Procedures and Statutes 1024.41, Bank of America has not exercised diligence and did not put perform reasonable diligence, lost my Mortgage Modification paperwork, and filed the information to a third party which also did not process the Mortgage Modification. Furthermore, I did not receive any written information from Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Michigan 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
Product: Credit reporting

XXXX BANK IS REPORTING ACCOUNT XXXX AS CHARGE OFF I NEVER OPEN AN ACCOUNT WITH THEM. I CONTACTED THE CREDIT BERAU AND THEY WONT DELETE IT
Product: Credit card or prepaid card

I have previously filed a complaint with td bank, and it was initially resolved. Now the charge is magically back on my CLOSED account, and Im being mailed paperwork saying Im late on my payments ( for a charge that was deemed fraudulent ), and Im being charged interest and late fees. Im enclosing photos of all paperwork explaining the previous complaint and current billing paperwork Im receiving. I have reached out to td many many timEs, both on the phone and in person. On one such occasion, the representative on the phone actually suggested that I just pay the charge. This is unacceptable, and needs to be resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have sent in the requested information and the item is still appearing. Why is it not removed? I have sent in everything that was required from me.
Product: Debt collection

I am writing to remove a fraudulent tradeline on my credit file by Jefferson Capital System. Furthermore, I am begging this consumer agency to enforce this by helping me remove Jefferson Capital Systems fraudulent and blemished collection account from my credit file. I have disputed the following data on my credit file more than a few times, which is fraudulent. I spoke to someone at Jefferson Capital and the young lady stated you people never pay your bills. You people? This is beyond XXXX. 

I have disputed this illegal debt several times and once I dispute the debt, the debt collector must stop all debt collection activities until they provide me with proof that I owe the debt, which I do not since it is fraudulent. Jefferson Capital System must provide me with that proof and never bother me again.

Under the FDCPA, I have the right to dispute the debt and it has three separate components : 1-Right to notice of the debt 2- Right to contest the debt 3-Right to verify the debt Within 5 DAYS of first contacting the Consumer Financial Protection Bureau, Jefferson Capital System must send a letter telling me : the amount of the debt the name of the creditor information about what I can do if I think there has been a mistake and proof, I actually owe the money. I can prove it is identity theft.

The debt collector must stop all debt collection activities until it can verify the debt. Additionally, I have my original identity theft affidavit. 

The recurring patterns of complaints against Jefferson Capital Systems , LLC, as reflected in the XXXX XXXX XXXX complaints, are as follows : Denial of Debt : The denial of liability for the debt assigned to Jefferson Capital Systems continues to be a consistent complaint across all customers. They claim they do not owe this debt and have no contractual relationship with Jefferson Capital.

Lack of Original Contract : Customers consistently complain that Jefferson Capital Systems failed to provide them with the original contract that they requested. This contract would validate the claimed debt. 

Unfamiliarity with the Company : Some customers state they are not familiar with Jefferson Capital Systems or the original debtor. They assert they have never been contacted by the company before noticing a collection on their credit report. 

Inappropriate Reporting : A complaint suggests that Jefferson Capital Systems ' reporting of the debt to credit bureaus might be violating the Fair Credit Reporting Act. This indicates potential issues with their reporting practices. 

Claims of Identity Theft : In one of the new complaints, a customer claims that the debt is the result of identity theft. This points to potential issues with verifying the identity of the individuals associated with the debts that they are trying to collect.

Unsatisfactory Product/Service : All of these complaints fall under the complaint type " Problems with Product/Service '', which indicates a more general issue with the way Jefferson Capital Systems manages its debt collection process or communicates with its customers.
Product: Debt collection

I am filing a complaint against Portfolio Recovery regarding their collection practices, which I believe constitute harassment. 

Timeline of Events : Date of Initial Contact : XX/XX/2019 : The collection account was opened by Portfolio Recovery. 
Nature of Contact : Portfolio Recovery initiated contact regarding the collection of the debt. 
Frequency of Contact : Portfolio Recovery has engaged in a pattern of aggressive and relentless communication regarding the collection of the debt. The frequency and nature of these contacts are as follows : Multiple Calls Per Day : I have been receiving multiple calls from Portfolio Recovery on a daily basis, sometimes as frequently as 3 times per day. 

Calls at Unreasonable Hours : Portfolio Recovery has also contacted me at unreasonable hours, including early mornings, late evenings, and weekends, disrupting my daily activities and causing undue stress. 

Repetitive Calling : Additionally, Portfolio Recovery has demonstrated a pattern of repetitive calling within short timeframes, often immediately redialing if the call is not answered. 
Portfolio Recovery 's communication tactics have included various harassing behaviors, creating an intimidating and distressing environment : Threats : Representatives from Portfolio Recovery have made explicit or implicit threats regarding legal action, wage garnishment, or other punitive measures if the debt is not immediately resolved. These threats have been made repeatedly and without merit, instilling fear and XXXX. 

Abusive Language : During communication attempts, Portfolio Recovery agents have used abusive language and employed aggressive tones. They have been disrespectful and intimidating, disregarding my rights as a consumer and resorting to demeaning language. 

Intimidation Tactics : Portfolio Recovery has engaged in intimidation tactics, such as repeatedly calling family members, friends, or colleagues regarding the debt, despite being informed not to do so. This invasion of privacy and harassment of third parties adds to the distress caused by their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted information to the credit bureaus about fraudulent accounts on my report. And according to 605B of the Fair Credit Reporting Act, which requires the CRA to block the fraudulent information on my credit report resulting from identity theft within XXXX business days. This account is fraudulent XXXX XXXX and it was removed from my report then a few days later it was placed back without any reason. This block was not requested in error and the CRA has no reason to rescind blocking of account from my report. The CRA has a duty to do what is fair and equitable to the consumer. Please remove this fraudulent account.
Product: Payday loan, title loan, or personal loan

As an XXXX yr old senior my wife and I purchased a new car. The dealership set us up with Ally Bank and we opted for auto withdrawal from our account. This XXXX XXXX l got an email from Ally saying that my bank rejected payment and after much discussion with different XXXX Ally l contacted my bank and they stated no request was ever made.We have been paying auto withdrawal for over XXXX yrs. l have trusted my bank for over XXXX. After much transfering of calls over a XXXX day period Ally instructed me to log on to their website and redo all my personal information.l did so.When l had finished a notice informed me that they could not reenroll me and to try again later. l was instructed to try again and again the same message came up. I was then instructed in the various ways l could pay my XXXX XXXX payment l chose to pay by check which l sent on XXXX XXXX. At that time l began to research Ally reviews. l found complete disregard for the customer.l found what appear to be illegal practices and l do n't want to be caught up in them and feel bad for those who are.As a senior, l have all ready felt the stress of refilling out unnecessary forms over and over. l am asking for help to stop these practices by Ally Bank.Thank you
Product: Checking or savings account

On Friday XX/XX/22, I attempted to transfer {$10000.00} from my XXXX XXXX  ( Texas ), Checking XXXX to my Citizens, XXXX Deposit Checking XXXX after lengthy verification process confirming that that I am an owner on both accounts. Over the weekend, I was notified that my bank transfer is stopped due to security concerns. I was told to call Citizens Bank phone number at XXXX for additional assistance. The average wait time to reach a representative at Citizens Bank phone number XXXX is over 90 minutes. Giving the amount involved, I called Citizen bank on Saturday XX/XX/22, Tuesday XX/XX/22, Wednesday XX/XX/22 and Thursday XX/XX/22 each time spending over XXXX minutes waiting for a representative to correct the error made by a representative a day before. Each time I was told that the bank transfer is cleared, blocks are removed and my account at the corresponding financial institution is debited. I have received a series of conflicting Citizens Bank Messages ( attached ) prompting me to call the bank again and again in attempt to resolve the issues with my bank transfer. It appears, in meanwhile, my money were shuffling back and forth between my account at Citizens Bank and my account XXXX XXXX  ( Texas ). Finally, on Saturday, XX/XX/22, I was explained by a Citizens Bank XXXX, XXXX XXXX, that Citizens Bank is using a third party, XXXX, which is unable to complete the transfer because Deposit Checking XXXX is joint account with my husband. I dont understand why I was not explained it before on on Saturday XX/XX/22 when my transfer was approved by another Citizens Bank supervisor who unblocked the transfer then. It is not acceptable to have a 90 +minute wait time on the phone and having repeated 90+ wait three days in a row is amounted to a torture by Citizens Bank Call Center , when one hand at Citizens Bank doesn't know what the other Citizens Bank hand is doing. Citizens Bank is saving money understaffing its phone support but it should not have done so at the expense of own customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed there is a hard inquiry on my XXXX credit report from COMENITYCAPITAL/XXXX on XX/XX/2023 that I did not recognize. I have never applied for anything at Comenity capital nor authorized them to access my credit file. I called Comenity capital. According to them, they could not find anything related to my SSN in their system and asked me to dispute it with XXXX. 

I submitted a dispute to XXXX, but they got back to me saying the inquiry is factual and can not be removed. 

Even though Comenity bank claimed that they do not have any application or account under my SSN, XXXX insisted that after investigation they believe it is legitimate inquiry.