23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

We applied to Sallie Mae for a 1-year CD with an advertised rate of 2.35 % on Monday XX/XX/2019 and initiated the process to fund the CD with funds that were available in our main savings account. We provided our personal financial information, bank account information and accurately responded to security verification questions at that time. And then we heard nothing from Sallie Mae - not an email, phone call or acknowledgment of any kind. We weren't given the opportunity to set up an account, a confirmation number or a way to check on the status of the application. Four business days later - on the evening of XXXX XXXX - we received an email from " XXXX '' requesting additional documents that should have been requested at the time of application. We contacted Sallie Mae twice by phone with time-sucking attempts to understand the status of the application. A lengthy XXXX XXXX phone call earlier in the day had revealed the application hadn't been processed after sitting with Sallie Mae for four business days. We during that call were unable to learn when the application might be processed or get information on why the application was delayed. The Sallie Mae representative said she had no way to send confirmation or other details about the application to us electronically. We on XXXX XXXX canceled the application by email. In our opinion, Sallie Mae is falsely advertising returns that are higher than competitors, gaining access personal financial information in the process, and then suspiciously not following through. We on XXXX XXXX turned to an online competitor and opened an account and CD in 15 minutes, with funding confirmed the next business day. Why Sallie Mae didn't do that, with advertising to open an online account at an attractive rate, is a mystery.
Product: Credit reporting

Inaccurate information on my credit file. Account discharged in ChXXXX
Product: Debt collection

This is a supplemental filing to my original CFPB Complaint # XXXX. I am providing new evidence of contradictory statements and actions by R.A. Rogers , Inc. that occurred after their response to my initial complaint.

SUMMARY OF EVIDENCE CONFIRMING R.A. ROGERS ' CONTRADICTORY STATEMENTS The attached documentation provides conclusive evidence of contradictory representations by R.A. Rogers , Inc. regarding their collection activities on my account. This evidence directly challenges their XX/XX/year> statement to the CFPB that they were " no longer handling this account. '' The documentation demonstrates a clear timeline of their continued collection activities : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX R.A. Rogers sent me a formal collection letter on their letterhead regarding Account XXXX XXXXXXXX from XXXX XXXX XXXX XXXX. This letter : - Demands payment of the {$1100.00} balance - Instructs me to " contact our office at once to resolve this matter '' - Contains their standard debt collection disclosure : " This is an attempt to collect a debt by a debt collector '' - Is dated just 21 days before they informed the CFPB they were " no longer handling '' this account XX/XX/year> : R.A. Rogers informed the CFPB in response to my original complaint ( XXXX XXXXXXXX ) that they were " no longer handling this account. '' XX/XX/year> : Despite their prior statement to the CFPB, R.A. Rogers reported this same account to XXXX as an active collection with a balance of {$1100.00} ( as confirmed in my credit report ). 

This documentation establishes that R.A. Rogers made contradictory representations about their handling of this accountactively pursuing collection immediately before claiming to the CFPB they were no longer handling it, then resuming credit reporting activities afterward. This pattern suggests potential violations of 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with debt collection. 

It is also important to note that despite my certified mail request for validation ( tracking XXXX XXXX ), R.A. Rogers has never provided the legally required validation of this alleged debt as mandated by 15 U.S.C. 1692g, yet they continue collection activities including credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

After experiencing identity theft, I contacted, via certified Mail, and identified the following accounts that were not initiated by me : cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Despite providing the FTC identity theft report on and other proof showing this information/these accounts are fraudulent and a result of identity theft, Transunion has still refused to remove this information from my consumer report and has verified this information as accurate. Im confused as to how these accounts which are fraudulent were identified as accurate, especially as I was not provided with the investigation report, and as my personal information was included in Transunions most recent data breech.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2017 I went to XXXX XXXX to look and buy a new car, and I was in the process of getting one. The salesman at that time told me that XXXX XXXX   has a bank of their own and that they would use that bank to check out my credit and give me a price. The salesman was taking so long and I decided to not take the car instead and look somewhere else. Around a couple of weeks later, I check my credit report on XXXX XXXX and see that there is six different hard inquiries on that specific day. The names are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Santander has repeatedly ignored my requests to prove I made a payment in XXXX and XXXX of XXXX. I have asked them to take the vehicle for its sitting in a shop parking lot for the last 5 years trying to exercise my right to a voluntary repossession however they refused then continued reporting falsely on my account and keep updating the statute of limitations date.
Product: Mortgage

I have a mortgage with Amerihome on a rental property I own in XXXX TN. On X/X/18 they claimed that they had not received an invoice, so I collected the fax number from them and asked my agent to resend the invoice. ( They had previously sent the invoice and breakdown on XX/XX/18 ). Because this policy covers three properties with two loan servicers, the agent explained to the Amerihome insurance department representative that the check needed to be made out to the iinsurance agency, not to XXXX XXXX, and the agency would in turn combine the payments to send to XXXX. Amerihome ignored this request, and sent the check made out to XXXX, who will not accept partial payments. As a result, our policy on all three properties has been canceled, and must now go through underwriting. 
Yesterday my agent called and tried to speak with someone, and was refused service and hung up on. I called today, and managed to get a call through to a supervisor, XXXX XXXX, and had a conference call between he and my agent. She requested that the corrected check be overnighted, and he refused, saying it would take approximately 3 days. Bear in mind, that is three more days that I am left vulnerable and with no insurance through no fault of my own. This seems to me a blatant failure to pay in a timely manner from my escrow account.
Product: Student loan

Ascent Funding funded a XXXX $ loan for a XXXX XXXX XXXX. Starting on XX/XX/XXXX, they have ignored all secured messages on their site regarding deferment program they have. My phone calls would be sent to their customer service line and then I was prompted hung up on. My last communication with them was on XX/XX/XXXX, where I asked why no one had responded to the deferment forms I sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told the problem was being escalated to a manager because I should have received communication on the site.
Product: Payday loan, title loan, or personal loan

I have a personal loan with Avant, LLC. 

I initially borrowed approximately {$3400.00}. 
See below. 
{$3600.00} LOAN ID # XXXX Initially I agreed to an auto debit via checking account. 
On or about XX/XX/2018 I was alerted by my bank that Avant attempted a double debit for the same amount twice. In all honesty I believed it was a mistake, so the bank declined the transaction. I was not aware of this at the time it happened. When I did become aware I contacted them and did a payment, I believe over the phone, not realizing that they do not credit you on the day you actually make the payment ( which was a Friday ) but the next business day. 
Which to my recollection was a holiday, so it had to wait until the following Tuesday. 

At that point they contend that I have now generated a late fee of {$25.00} On XX/XX/2018 I requested a complete payoff of this loan being that I am paying XXXX a month in interest. I was quoted XXXX Good through XX/XX/2018. On XX/XX/2018 Avant received a total of XXXX. 

I did not pay the XXXX because that was in dispute and customer service said that were going to ask for a waiver. Initially the waiver was denied as it was requested incorrectly by the cust rep, but later it was granted. Now Avant want an additional XXXX which I object too, had they not mishandled things this would not of occurred. 

I am requesting assistance on this matter.
Product: Credit reporting or other personal consumer reports

There was a hard inquiry completed by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/23 under my identification : Trans Union reporting : best resolution is to hard inquiries remove from the Trans Union reports from XXXX XXXX XXXXXXXX submitted XX/XX/23
Product: Bank account or service

Soon after I filed for Bankruptcy, I was denied full access to the USAA website with the words " According to our records you filed bankruptcy and we can not collect certain debts. To obtain access to your existing accounts you may log on by clicking proceed below. '' Printed in red every time I attempt to log in. 
I am then redirected to a stripped down version of the website, basically a mobile site, with my full account information including full account numbers visible to the public when I check on my existing accounts. 
They claim, they do this to limit the possible chance of USAA accidentally extending further credit to those who filed bankruptcy. I call that a lack of professionalism and they make their members pay for USAA 's inability to perform a minor task as USAA can accurately access any current or future member 's credit worthiness via the credit reports, as that is what they are used for ; they do not need to limit access and further humiliate their membership in such a way and continued practice will result in Discrimination charges against USAA. As they seem to be punishing anyone for falling on financial hardship and not being able to pay their debts.
Product: Debt collection

XXXX  under Account # XXXX This account is being illegally reported on my credit report due to inaccuracy. I requested method of verification on this account. How is this accurate if the term duration being reported inaccurate, date opened is inaccurate, high credit amount is inaccurate, credit limit is inaccurate, last reported date is inaccurate, & the date last active & last payment date is inaccurate, and most important my birthdate is wrong on my consumer report. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or XXXX verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. This account needs to be removed from all 3 consumer reports due to inaccuracy and incomplete information. This account does not comply with Metro 2 compliance and legally can not be reported.
Product: Money transfer, virtual currency, or money service

As I stated in my previous complaint about government checks cashing that BMO treated as suspicious, blocked cell phone number for XXXX, blocked debit card and etc, the problem with XXXX was not fixed. It was going on over a month. I was needed to transfer {$2000.00} from BMO to XXXX. After many attempts by decreasing the amount transfer, I finally was allowed to transfer {$100.00} only. The XXXX imprisoned my money. It is obviously required to escalate the complaint to the next level.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed a fraudulent account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft happened. Remove account. The FTC said I had the right to dispute this account. I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. I REPORTED IDENTITY THEFT AND FILED A POLICE REPORT YEARS AGO REGARDING THIS MATTER AND IT IS STILL HURTING MY CREDIT. I DID NOT OPEN THESE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax score dropped XXXX points for no apparent reason I havent opened any new accounts nor do I have delinquent or late payments! 
And they cant explain to me how this happened!!! 
This is keeping me from purchasing a home!!!!
Product: Credit reporting or other personal consumer reports

Unable to get credit, at least minimum credit, refuse credit approval
Product: Mortgage

Closing the house found out. There is a lien on the house for {$55000.00}. We communicated with the lender says this account been inactive seen XXXX. Also I found 1099-c debt discharge of the amount of {$55000.00}. Lender want me to payout the 2nd loan plus interest and late fee that I have no knowledge of the 2nd loan. We sent all the document to the lender my bankruptcy and the 1099-c discharge. We been trying almost every another day to resolve this issue. My final day to close is Friday XX/XX/XXXX. I need help
Product: Debt collection

I have made several complaints, about XXXX XXXX XXXX and their deceptive business practices. After, numberous complaints. I have made through your services about XXXX XXXX XXXX. Examples are as followed : A class-action 3rd Party suit, Identify Theft through using XXXX email DSL service, and underground wiring that XXXX XXXX XXXX refuse to spend the money to fix. I am still receiving from XXXX XXXX XXXX attempts, to collect a debt from their 3rd party collection agencies that they continue to submit. I have done everything, in good faith, to attempt to resolve this issue with XXXX & XXXX They have continued to be deceptive about the active lines, that were present in my home. Where XXXX of the lines, was a business line and years ago, I use to trade on that line. It was disconnected, but still active, in my home. The phone number was recycled to a XXXX restaurant, but still active in my home under that same number. The personal line, was just disconnected recently, after having the number for almost twenty years. Upon XXXX disconnecting the number, I was receiving messages that I can no longer make international calls. I have never made any international calls. These, international calls, are connected to the underground 100 year old copper wiring, that have never been repaired. Also, even after explaining, to " my '' local Board of Supervisor 's, that the green boxes on the corner -controls not only, the timing of the crossing signals, but also, the under ground-wiring to homes that were built in the XXXX 's. It, would cost XXXX XXXX XXXX, more money and it would not be a Quick Fix for it to be repaired. I am tried of being Impacted by XXXX XXXX XXXX, ineffective infrastructure issues, and what ever it takes to fix this issue for not just me but those that are attempting to use this service when the underground wires are on my property. I have also included the pictures in a XXXX Blog!
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I worked with a rep. from Chase re. inaccuracies on credit card ending in XXXX.
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Chase reported that I was 'past due 90 days ' in XXXX, XXXX, and XX/XX/XXXX, according to an XXXX credit report pulled on same day ( refer to complaint # XXXX for credit report number ). The rep. reported that I had missed no payments for the months cited. In addition, she said that I was on a payment plan and " When on promised plan, no adverse reporting to credit bureaux if current on ( agreed ) payments ''
Product: Debt collection

This company was sold a debt for XXXX XXXX, this was a fraudulent account. XXXX XXXX has acknowledged this and I actually have an active, currrent account with them. However at some point 3 years ago they turned it over to a collection agency. When that first appeared I contacted that agency they contacted the customer everything was resolved they removed it from my credit I have the letter from them and the apology except apparently instead of deleting it they sold it to somebody else I guess so that they made some money off of the debt that they bought. Now the new company has added it to my credit report and is harassing me, I have told him repeatedly verbally and in writing that this was fraud And it has been removed twice now as fraud and they refused to do anything about it I should not have to keep disputing the same debt over and over again I am sorry they bought it that they couldnt collect on but they need to delete it off of my credit report because they just kept me from buying a house and Im really considering suing
Product: Student loan

There are large swings in the amount that goes to Principal and the amount that goes to interest month to month. That is not how an amortization table works I have never missed a payment on any loan. 

I have been paying on these loans for years and to have no principal reduction in the last 2 months and 100 % going to interest one of those months suggests foul play. This is not the first time I have asked why this is happening, its happened multiple times and Navient blow me off saying that it is just day counts of interest. Please perform a full audit of my account. 

I understand daily compounding and days per month will have slight changes in the amounts to the amounts. 

Is Navient incompetent on every level or is Navient stealing from me? 

Here is the most recent example Account Total XX/XX/XXXX Payment - {$79.00} Principal - {$16.00} Interest - {$63.00} Fees - {$0.00} XX/XX/XXXX Payment- {$79.00} Principal- {$66.00} Interest - {$12.00} Fees - {$0.00} XX/XX/XXXX Payment- {$79.00} Principal- {$29.00} Interest - {$50.00} Fees - {$0.00} Loan # 9 ONLY XX/XX/XXXX Principal {$0.00} Interest - {$51.00} Fees {$0.00} Total Payment - {$51.00} Unpaid Principal {$6600.00} XX/XX/XXXX Principal {$0.00} Interest {$0.00} Fees {$0.00} Total {$0.00} Unpaid Principal {$6600.00} XX/XX/XXXX Principal - {$14.00} Interest - {$37.00} Fees {$0.00} Total Payment - {$51.00} Unpaid Principal {$6600.00} XX/XX/XXXX Payment - {$15.00} - {$36.00} {$0.00} - {$51.00} {$6600.00} XX/XX/XXXX Payment - {$22.00} - {$36.00} {$0.00} - {$59.00} {$6600.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees die to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

XXXX has no right to be on my credit report. This same debt from XXXX Insurance company was just deleted from another company called XXXX XXXX XXXX.
Product: Checking or savings account

I filed a dispute for multiple debit charges to my account with Wells Fargo at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The customer service representative disputed all the credits to my account as well, I never asked him to dispute those credits to my account. I noticed XX/XX/2024 that my account was charged XXXX as an adjustment. I called in and they told me they told me that charge is because I disputed the credits to my account, I didnt and I never would have done that. Now Im being told I have to wait 2 days for them to review the call and make sure I didnt ask them to dispute those charges then 10 days for a resolution. I know I didnt dispute the credits to my account, so I requested a copy of the phone call and the customer service reps name who filed the dispute, they never gave it to me. Ive sent multiple emails with documentation showing that the credits were from me. The original email I sent on the date of XX/XX/2024 when i detailed what happened when my card was stolen I said I was the one loading the card. Every customer service rep I speak to says they havent received any documentation yet and its been 6 days. I have found legal representation to help me with this, but Wells Fargo will not provide any of the information they are using to make the decision on this dispute and they still havent received any of the documents/ screenshots showing Im the one who deposited the money into the account from XXXX and XXXX XXXX 
The dispute number for this case is XXXX. I just got off the phone with a Wells Fargo representative on XX/XX/2024 and they confirmed the claim I made against this dispute was never made. They told me countless times yesterday this claim had been escalated but checking back today it has not, no one had been assigned to look into this case even though Ive called a total of about 10 times regarding this. I am filing this as well as having my legal counsel send a letter detailing the situation and requesting the documents Wells Fargo will use for their investigation. Ive sent the screenshots showing these are my credits to the account one is missing from XXXX for about XXXX or something close to that I couldnt see the transaction as it has been reversed. I also sent the email I sent detailing I was the only loading the card. Theres no reason why these credits should stay reversed.