23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Due to reduce of income I did applied for a loan modification with my mortgage provider ( Saturus Bank ) This process began on XX/XX/XXXX after sending all modification requirements I received a four month Trial package on XX/XX/XXXX the trial began I payed on time as the modification agreement.after completing the trial the modification approval arrive on XX/XX/XXXX. I keep making my payments on time. and Contacting the lender every week. as of today the modification is not finalized due to XXXX XXXX is the owner of my loan and they are reviewing and eventually approve it. my lender keeps confirming that this process could take up to Six months for XXXX to be approve. I been contacting supervisors to get an strong answer of the delay, but every week I received the same answer is under review and keep making your payments .on the other side I received one or two phone calls from the bank requesting payment of the past due and threat me that if I do n't pay the balance I will be in foreclosure and loose the property. My answer is that I am on a modification process and is not finalized. I am requested the bank representative to please check the notes to understand the process and treating me with foreclosure actions.
Product: Money transfer, virtual currency, or money service

Many payments made in XX/XX/XXXX to Coinbase you can pay in but cant get your money out wont verify my bank account even though I sent them XXXX euro asked and they sent it back to my bank account so verified yes,, NO been going on now for months emailed them many times this company sucks
Product: Credit reporting, credit repair services, or other personal consumer reports

These 's account listed below are unknown/fraud and have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 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. ( ( These are fraudulent ) ) 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 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 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 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 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 XXXX {$380.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX
Product: Checking or savings account

On or about XX/XX/2019, Wells Fargo executed a Legal Order submitted by the CA Franchise Tax Board. In addition to debiting {$340.00} from my checking account without my permission, Wells Fargo charged me a {$120.00} Legal Order Fee. 

If that Legal Order was correct, I could see that I might be responsible for the fee. However, the Legal Order was clearly an error on the part of the CA Franchise Tax Board. Upon contacting them, they immediately faxed over to Wells authorization to return the funds. See attached screen print of the transaction. The fax was sent within hours of me contacting the CA Franchise Tax Board. 

After days of arguing and escalating the issue with Wells Fargo, they refuse to return the {$120.00} fee because they argue they received a Release Order and not an Admittance of Error.

Apparently, this is a common issue at Wells Fargo. If they do not get a party that serves a Legal Order to admit in writing that they made an error, they will not  refund the fee. Notwithstanding the proof is right in their system that the release was performed immediately. I owe no money to the CA Franchise Tax Board and at the time of this transaction, I was 100 % current with the few hundred dollars that I did owe them. They just made a simple error in processing my check, which they acknowledged on the telephone, hence the immediate fax to return all of my funds taken ( without deduction ) or hold, all within 48 hours, beginning to end. BTW, the fax was received by Wells Fargo on XX/XX/2019 and did not process until XX/XX/2019. 

I did not initiate the transaction resulting in the fee, I did not authorize the transaction causing the fee. I am not at fault for anything related to the fee or Legal Order. This can not be Legal. 

This fee was assessed upon me and I had no control over its application to my account. Wells Fargo has clear and convincing evidence that it was an error, but chooses instead to profit from the fee. Well 's recourse is with the CA Franchise Tax Bureau,  not me, and CA will never admit their mistake so they will be accountable. I can only imagine the 1000 's of customers being charge a fee for what I understand to be a not so uncommon error, and Wells Fargo benefits from it. 

If this is not an Unfair and Deceptive Practice, I don't know what is! 

Wells Fargo Customer, but not for long.
Product: Debt collection

Ad astra has been reporting inaccurate information, re-aged the account, reported inaccurate amounts alleged due and has been inconsistent in reporting the account type.
Product: Credit reporting or other personal consumer reports

I reached out to dispute these inquires and collections account. Ask that I receive proof of it being mines or me initiated these inquires as well. Told me they would send info and never received anything.
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 TransUnion Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XXXX 2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX REV ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My ID Theft company alerted me that an account had been opened in my name at TD Bank. Together we called the fraud department at TD Bank. The TD Bank employee took the information and stated that they would investigate and get back to me in writing. They also said that we were not to call to check on the progress of the investigation. They would give me NO information about the account type or anything. This was over 1 month ago and I have received nothing from TD Bank regarding this matter. 
As a result, I have had to freeze all of my accounts, launch fraud alerts at all of the credit bureaus and XXXX XXXX so I am not de-frauded. 

I want TD Bank to respond to this investigation, perhaps you have some leverage with them?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), due to my status as a victim of a data breach and identity theft. 
The accounts in question are as follows 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX XXXX located in XXXX, SC in XXXX ( account number XXXX ). I paid {$10000.00} down with a remaining balance of {$8600.00} to be financed. I currently have a balance of {$4300.00} of which I pay {$210.00} per month. I've asked the company to please check my payments because I have paid for the car almost 6 years. I've received a printout that shows over 90 % of the payment is against the interest and nothing against the principal month after month. I also show missed payments that weren't applied to my loan. I'm writing requesting all the help I can possibly get to assist me with clearing this loan. This company has me paying 7 or 8 years for an XXXX balance. This is not the way it was explained to me at the time of purchase. PLEASE HELP!
Product: Consumer Loan

I took out a {$2500.00} loan from XXXX XXXX who sold it to XXXX XXXX who sold it to Cash Call. I just found out that they are collecting on a loan without a license in Texas. Cash Call placed my signature on documents with their company name on it and I did not sign anything with them. I was also informed they are not a payday loan company which means they are in violation of Texas statutes regarding APR in addition to lending without a license. I have already paid them approximately {$9000.00} and have just over {$3000.00} left. I do not feel like this is legal.
Product: Vehicle loan or lease

Denied multiple occasions car loans from USAA for the following reasons.Serious delinquency, amount past due, time since derogatory public report, length of time accounts have been established, too many inquiries in the last 12 months.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have attached all supporting documentation to support my such as police report and all verifiable identification, I demand that these inaccurate fraudulent accounts be blocked and removed from all XXXX credit reporting bureaus immediately
Product: Debt collection

Today XX/XX/2020 I called Nemos Investigations and Collections in XXXX, AZ. I spoke with XXXX  XXXX I asked her if there was a way she can write a letter indicating that I paid my {$80.00} debt collection and report it to the credit bureaus. She began to raise her voice and lecture me on how I shouldn't have done this and they sent multiple letters. I informed them I was financially struggling two years ago and that's why I had now paid this. I was not rude at all and didn't want to upset her. She said that the FDCPA and FCRA told them not to delete anything from the reports because that's our fault for not paying. IO then asked if I can get a letter sent that i paid off the {$80.00} and she refused because she said she sent one two months ago and she was not going to waste her time sending another one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account that is reporting on my credit in error. This account is negatively affecting my credit and I can not get it removed from my credit reports due to the credit bureaus not conducting a thorough investigation. On XX/XX/19 I mailed a dispute letter for this account that is reporting as a chargeoff/collection and in the comments it states it was sold to a third party collector. I do not know who this third party collector is they are stating now owns the account nor is it even reporting on my credit. In the first dispute letter I asked all three of the credit bureaus to investigate this account and verify it. They keep coming back saying it is verified and updated. I did not ask them to update anything. I asked them to verify it and if they can not properly verify it then to delete from my report. Then I sent another letter on XX/XX/19 on to ask them to re-investigate and send me the information they used to verify the account from the creditor which I received the same result. They did not tell me how they were able to verify the account when the creditor no longer owns the account and they clearly did not conduct a through investigation. I sent a third letter to them on XX/XX/19 telling them they are violating the law by falsely validating this account and not removing it from my credit report. They sent a response back saying they updated more information on this account which is completely inaccurate. I never opened this account and they were not able to send me an original contract with my signature. This one account is causing me to be denied for my business funding and I am beside myself that they can even do this to me and ruin my credit this way. Equifax, XXXX and XXXX are not doing their job and this is very upsetting as a consumer.
Product: Student loan

Navient is misdirecting overpayments of my student loans. As I understand, for federal student loans, it is required that any extra payment goes first to outstanding fees, then to interest accrued since my last payment, and then to the principal of the loan. I have two loans with them ( subsidized and unsubsidized ). My monthly payments are made on time with extra towards principal each time. Their online platform provides two options to make a prepayment, direct an overpayment and specify for each loan. Each time I request that an overpayment be directed to one of the two loans using either option for prepayments, Navient ignores the request ( even though the monthly payment is paid in full ) and divides the prepayment equally among both loans. It is my preference to pay loan XXXX   consolidation off before the loan XXXX. My attempts to speak with Navient brought me to customer service people who were unhelpful and would not take my compliant over the phone. The misappropriation of payment has been consistent for at least the past 12 months. If the payment requests had been appropriated correctly the balance of the XXXX student loan would be close to paid in full leaving me with half the payment I am currently making. By offering the ability to direct payments and then not honoring the directed overpayments is nothing more than deceptive and unfair. If Navient considers this one loan then they will likely force me to get a payoff letter for XXXX and just move the balance to credit cards which do not want to do.
Product: Credit reporting or other personal consumer reports

I disputed twice to Banco Popular of Puerto Rico and XXXX that the information in my Credit Report is incorrect. I had a Foreclosure of my house and my last missed payment was in XX/XX/XXXX. Even though the other XXXX Credit Bureaus has eliminated this foreclosure in my credit report, XXXX continues to report the foreclosure. Banco Popular reported the foreclosure in my credit report in a confusing way every month using incorrect credit codes as XXXX  and in XXXX ( 4 years later ) they are still reporting for XXXX consecutive months that I had XXXX XXXX XXXX  past due when my last payment was in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received a credit alert from XXXX for a delinquent account called AFFIRM INC that does not belong to me XX/XX/XXXX I reported an Identity theft claim XX/XX/XXXX I placed a security alert with XXXX, XXXX and XXXX XX/XX/XXXX Pulled my credit report XX/XX/XXXX Disputed with XXXX reporting this account XX/XX/XXXX Received a response from XXXX that this account was verified XXXX Followed up on identity theft.gov for the next steps XX/XX/XXXX Spoke to an agent over the phone with AFFIRM INC . 

XX/XX/XXXX Mailed off a written letter
Product: Bank account or service

Unfortunately I fell behind on my payments to Astoria Federal Savings overdraft line of credit in XX/XX/XXXX. Astoria Federal reported this account as charged off in XX/XX/XXXX and XX/XX/XXXX. I paid the principal and interest on this account in full in XX/XX/XXXX. The account was closed and no further advances were ever made. 

FCRA 623 ( a ) ( 2 ) requires any party who has furnished information to a CRA to promptly update that reporting as necessary to maintain its current accuracy. Astoria Federal was thus required to update their credit reporting to keep it current and accurate. Astoria Federal failed to update the account status from " Charge-off '' to " Paid charge-off '', and omitted my payments from the reported account history. THIS CONSTITUTES A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

( Astoria Federal did update the balance to zero at the time the account was paid. However this is not equivalent to reporting the account as paid as there are many reasons a charged off account could report a zero balance, such as the debt being sold to a collection agency. And besides the balance, Astoria Federal persisted in reporting the account status and account history inaccurately. ) I attempted to obtain relief innumerable times by disputing this matter via the credit bureaus ; and while this should be an open-and-shut case Astoria has never corrected its reporting. ASTORIA 'S FAILURE TO CONDUCT A REASONABLE INVESTIGATION TO CORRECT THIS ERROR CONSTITUTES A SECOND VIOLATION OF THE FCRA. 

Furthermore, Astoria 's reaction to the disputes has been to falsely report the account history to show that a default occurred at the time of the dispute, i.e., approximately FOUR YEARS after the account was paid and closed, in XX/XX/XXXX and XX/XX/XXXX ( see the attached credit report info ). THESE FALSE DATA CONSTITUTE A FURTHER, EGREGIOUS VIOLATION OF THE FCRA. 

Possibly, Astoria Federal 's erratic credit reporting is due to technical incompetency rather than actual malice.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

Unfortunately I do not have any documentation regarding thus issue. And have already begun a payment plan with the professional credit service. Around the month of XX/XX/year> I was working at XXXX XXXX XXXX XXXX XXXX and my employer received a garnish notification that my wages are going to be garnished unless I take action. This was the first and only way I found out about said debt collection. The company is ( PROFESSIONAL CREDIT SERV ) as displayed on my XXXX XXXX  app, I believe based out of Wyoming? Out of fear for my wages to get garnished I called them and they said that I will be having my checks garnished if I don't start making payments. So I did and still do. I'm XXXX and literally have a luck of a clue as to what credit is and all it's works, and am just paying this place monthly out of fear for my wages to get garnished.
Product: Credit card

On XXXX XXXX I was notified through XXXX XXXX  about a closed account with Capital One. All payments have been made on time through a bank account and card was being used in accordance with customer card agreement. They have initiated a letter for a fraud account which I am attaching. If it is fraud and payments being made the account should not have been closed and company should have contacted me. Capital one is knowingly causing damages to my account reducing my age of credit as this is one of the oldest accounts I have. At this time they are in violation of security exchange commission as my application has been turned into a security and this is a form of discrimination.
Product: Debt collection

I was called by XXXX XXXX and they left a weird voice message. I called back asking questions. They stated that I was delinquent on an account. They stated that it was a XXXX account. I informed them that I opened that account 10 years ago and that I don't owe anything.I asked, why isn't the company contacting me? They stated if I would go into the Wells Fargo bank, that they could pull up all of my information. I also asked, '' Why isn't this on my credit? '' They stated because it goes through a checks and balance system. I told them it doesn't make sense. They then stated that if I would have paid my debt, I wouldn't have this problem. I stated that I haven't received anything in the mail. They tried to identify my address. They have called my job asking if they could process serve me. They have also called my aunt and my uncle harassing them. When I asked about this they stated that they are trying to contact me to serve me. This is not making any sense to me whatsoever. This is harassment and I want it stop.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX AND ALL SECONDARY BUREAUS SUCH AS LEXIS NEXIS (ALL),XXXX XXXX  (ALL), XXXX, XXXX (ALL), ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS; ALL 3 BUREAUS ARE IN VIOLATION OF: 1. 15 US Code 1681 b 2 - 2. 15 US Code 1681 c 2 - 3. 15 US Code 1681 e b - 4. 15 US Code 1681 a 2- 5. 15 US Code 1692 C C 6. 15 US Code 1692 G 7. 15 US Code 1602 P 8.15 US Code 1601 ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE 10 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE,ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}