23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX, I applied for a loan online with Big Picture Loans for {$1900.00}. I was approved for the loan and the funds were deposited into my bank account. On XXXX XXXX, XXXX, paid off the loan in full with interest in the amount of {$2000.00} using my debit card for the same bank account. 

On XXXX XXXX, XXXX at XXXX XXXX, I received two emails from Big Picture Loans. The first email stated that my application for a loan in the amount of {$1500.00} had been approved. The second email stated that the funds were on their way to my bank account and the first payment was due on XXXX XXXX, XXXX. I did not apply for another loan with this company. So, I called them immediately to advice them to delete this information and not send me any funds because I did not apply for this loan. I checked online a few hours later and observed that the loan was cancelled. 

On XXXX XXXX, XXXX at XXXX PM, I received another email from Big Picture Loans stating that I was approved for a loan for {$1500.00}. I received a fourth email from this company stating that the funds were on the way and the first payment was due on XXXX XXXX, XXXX. I phoned Big Picture Loans back a second time and informed them that I did not apply for a loan with them since paying off my initial loan. I stated that I was extremely concerned because an application continues to process which I did not make. I requested that the representative delete any account associated with my initial loan and remove all of my personal information to prevent them from continue to apply for another loan on my behalf and send me funds. The representative stated that he could not delete my information. He stated that he would cancel the loan application. 

I phoned my bank to try to place a block on my bank account preventing Big Picture Loans from sending any funds to may account. My bank advised me that this is not possible. I would have to cancel the bank account which would be difficult for me since I have this account set up to pay my monthly bills. It would be a great inconvenience to close my bank account ; however, I will close the account if Big Picture Loans continues to try to send funds for a loan that I did not apply for or want. 

The interest rates with Big Picture Loans are extremely high. It appears that they are attempting to send me another loan in order to earn the high interest which accumulates very quickly. 

I believe that Big Picture Loan has acted fraudulently by continuing to open loan accounts in my name multiple times for which I did not apply. I believe they have intentionally continued to open loans in my name under the false premise that I applied for these loans in order to profit from the high interest rate which will be applied if I receive the funds. 

I would like this complaint published to prevent others from being subjected to this scam. I would also like Big Picture Loans and its affiliates to delete my account  and all of my personal and financial information to prevent them from continuing to open another loan application in my name.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

As stated in previous complaints. My unemployment card was sent to a wrong address. I did not know I was even approved for unemployment. Not until several months later did I find out. I have been submitting claims over and over again since XXXX. Ive been told several times that I would have the credits on my account by such and such date and of course theres dates had passed and I never received anything. Their last response to me was about my card being froze at one point for suspected fraud which was cleared up by me providing proof of identity. And no explanation at all as to why my claims are denied. This entire event has consumed my life and I have been doing a lot of research and speaking to others. It appears that Bank of America is doing this to anybody who had fraudulent charges on their account. Ive spoken to over a dozen of card holders who say their accounts are negative because Bank of America credited their accounts only to put the charges back on. This bank can not get away with what they are doing to unemployed Americans. Weve all been affected by the pandemic, then to have our identities stolen on top of it and the bank holding our unemployment income is denying us access to it because they allowed fraud to happen on our accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is not mines was not notified of results.
Product: Mortgage

I have been trying to modify my loan via HAMP with Ocwen since last year and they kept giving me the run around to finally tell me that they will not process my modification after they sent me a letter stating that they would do so. I have spent countless time on the phone explaining this to different relationship managers. Every time I spoke to someone I would get a different answer or different instructions on what to do next. They sent me payment vouchers which was incorrect during the trial period which they addmitted to doing. They asked that I send in the shortage and 1 additional months payment ( for a total of 4 months under the HAMP ) and then they would process my final modification. After I did everything they asked me to do and met the requirements they still would not process the final modification. I have tried my best and I am tired of fighting with them. No one seems ever have a clue as to whats going on when you contact them for help or assistance. I have a secure letter that was sent to me by Owcen that states for me to make they payment difference and they would process my final HAMP which I will attach to this complaint. I will also be attaching the letter i recently recieved from Ocwen stating that they denied me for non payment which is incorrect, they did recieve my money per the letter dated XXXX/XXXX/2015. I called in and was once told by a relationship manager to reapply for the HAMP to get it processed but they denied it and sent me a Shared Appreciation Modification which I was uncomfortable with signing and sending back because the value of the home seemed to be inflated per their apprasial and there were some other things I was n't comfortable with. Again I told them i was n't comfortable with that and did not want it. I get a letter in the mail saying we denied you for the Shared Appreciation Modification because you failed to make the payments of which I never singed and returned the package to them agreeing to any of it. I have tried to explain to the best of my ability and will attach some supporting documentation to explain my complaint.
Product: Debt collection

was admitted to hospital I'm XXXX miles away and the VA is the one who pays the bill and they did ; nt i gave the company the va # and told them medical is not supposed to be on my report they won't remove what do i do.
Product: Checking or savings account

I paid my rent on XX/XX/24 via ach thru a portal ( XXXX  ). On XX/XX/24 BoA put the funds back in my account causing me to believe I had been approved for a loan. No label with the deposit. The portal charges XXXX for the transaction which still shows on my account, however the other transaction has disappeared. I have screenshots of the receipt and my acct. showing the XXXX charge with no other info. This has caused me almost {$300.00} worth of late fees, embarrassment and frustration. Not to mention I could be evicted due to this being my first full month in this apartment. Help me please!
Product: Checking or savings account

Fraudulent activity went on in my account that I had no control over and I tried calling them to fix it and they end up closing my account and taking a lot of money from that was from my taxes
Product: Student loan

Fed Loan did not apply multiple payments sent by me via my bank 's auto pay function. Fed Loan then changed my payment without notifying me. I continued remitting correspondence as well as my payments, and could not understand why my payments were increasing. All correspondence I received was auto generated and never once addressed review of my account as I requested on multiple occasions. On  XXXX   XXXX  , 2017, I fin ally received a letter from Fe d Loan o utlining the payment increased and background information regarding the account. I was never notified over the course o f two y ears that they kept increasing my payment - if I was notified, I would have made the correct payment. This is extremely unfair as now my credit standing has been damaged through no fault of my own. In addition, I disputed multiple components of their letter and sent a response on  XXXX   XXXX  . 2017.
Product: Credit card or prepaid card

I was a loyal customer to Discover credit card pay my payments on time and they closed my account and reported me to the credit bureau for no apparent reason they had me to fill out a 99 form to the IRS to verify who I was IRS verify who I was and it's still closed my account for no apparent reason they also reported me bad on my credit report I really need help and I really need something to be done about this
Product: Debt collection

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX-XXXX  XXXX XXXX for them to release my ( or my minor childrens ) medical information to a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite providing specific information to the credit reporting agency as to the dispute, the credit bureau did not require the reporting company to verify that information. Rather, the allow the collection agencies to " verify '' a debt by simply looking at the account information and seeing the name on the account. When specific information is provided, the credit reporting agency has a duty to make sure that it actually " investigates '' that dispute, not just the name on the account.

In this case, I disputed the charges, not the account. However, the credit reporting agency only required XXXX XXXX XXXX to verify the name on the account. This does not meet the requirements of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is using the same Hard Credit Inquiries more than once? They recently listed inquiries from XX/XX/XXXX and another from XX/XX/XXXX. The result of this was to lower my Credit Score from Excellent to Good!
Product: Debt collection

Profit Services Group reported a false debt to the credit reporting agencies in an attempt to collect a false debt in the amount of {$1900.00}. This false actions is continuously reporting on my reports as negative and making my life horrible. I have made several attempts to contact the reporting agencies to remove the debt. Every letter was demanding for validation within 30 days or the debt must be removed. After receiving no response, I mailed a certified letter to the collection agency directly and still received no response. These actions have been over the course of 3 months, which gave them ample enough time to valid or remove the debt. I have never received a letter or anything from them regarding this assumed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a  XXXX   credit score m onitoring. I was then charged  XXXX , the representative first says she sees the charge but then says she is unable to refund it because it has n't showed up. I called the company the same date and they will not help me.
Product: Vehicle loan or lease

On XX/XX/XXXX a second lien was added on my XXXX XXXX XXXX that I purchased from dealership. XXXX XXXX XXXX C/O HIDAY & RICKE PA. My mother who is joined by or and not and is on the loan and that is her debt that was not informed to me that would be  added. I am trying to refinance the vehicle to get it out of her name and only into mines however due to second lien i am stuck with high interest rate and high car payment. Hiday & ricke continue to state that i was informed when i was not.
Product: Credit reporting or other personal consumer reports

I received a settle offer for 50 % of balance If I paid {$160.00} the account would be considered settled. I paid that {$160.00} in early 2022. All the sudden about a year later they reported to all 3 credit bureau saying I still owed {$160.00}. I have disputed with all bureaus multiple time and provided documentation that I took the settlement and asked them to delete from report. Everytime my the investigation has come back as the information from XXXX  is correct and legal. I have asked for proof of anything and I am ignored. I gave them one more chance to fix the information being report or provide me proof before I reported to CFPB. Once again I was ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I froze my credit file with Experian Credit Bureau, and in XX/XX/XXXX, I attempted to create a free online account on their website in order to manage my credit file and temporary unfreeze it for a purchase. However, I was unable to create the account for some reason. I attempted to create the account several times afterward, but it still didn't work. 

Experian Credit Bureau wdbsite instructed me to call them to resolve the issue, but the phone number they provided and all the other numbers I could find online were answered by the same robot which refused to connect me to a real person or representative. I sent three letters ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to Experian Credit Bureau, requesting assistance, but I have yet to receive a response
Product: Checking or savings account

My savings account XXXX was closed by XXXX on XX/XX/XXXX. Before it's closed, we had more than {$60000.00} in the savings account. And they owed me interests of {$99.00} for XXXX ( see screenshot ). However, they did not pay me the interests earned in XXXX before the account closure, which is not legal.
Product: Money transfer, virtual currency, or money service

i Wired XXXX $ to XXXX/coinbase on XX/XX/2018. It was a same day wire and my bank confirmed to me that the recipient has got the money on their account. 

I called XXXX/coinbase customer support to confirm and they said that since i did not include the recipient message in my wire, the wire would be automatically returned to my bank account within 10 days and now it has been over 35 days and i still haven't got the money back in my bank account. 

Every time i call the XXXX  support regarding this they give the same answer that my case has been escalated and i should get my money soon. 

I called the XXXX XXXX XXXX and they confirmed that funds were recieved and that they have to get instruction from coinbase to send my money back. 

I even gave my iban number to XXXX/coinbase so that they can track the wire. 

my case # XXXX my iban : XXXX
Product: Debt collection

My son XXXX XXXX lives with his father and grandmother for the last 8 years. His father had custody of him at that time. He is XXXX now and lives with me .Upon the time he lived with his father he was XXXX and taken to the hospital. There are hospital bill being charged to me instead of his father XXXX XXXX who live in XXXX XXXX. 
The medical bill is from XXXX XXXX. 
I live in Georgia for over 10 years. 
I explained this to Phoenix financial XXXX  over and over again., it's even documented. 
They continue to call several times a day and sent several letters. 
I have tried to communicate with his father and grandmother and was advised it is me problem. 
I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX and XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I opened an account with Venmo, then I decided to get the Venmo debit card after that my troubles began that night they sent me 4 emails requesting a physical address, well I call them on XX/XX/XXXX talked to XXXX XXXX and explained my living situation situation and that I wasn't using credit cards any more and I would use there card instead of my personal debit card. Then on the XXXX? I received an email indicating they want a government issued id with my name on it fraud and scam flags I was thinking on the XXXX Venmo was concerned about my address then on the XXXX they were more concerned with my name, I have ask them 7 times to close the account, they refuse even after filling a XXXX XXXXXXXX XXXX report on Venmo screenshots of emails are attached, then on the 8 the they froze the account email attached for that stating that there appears to be activity on the account that was against there policies well I haven't even used the account and for some secret reason no one wants to tell the reason instead they insist on my government issued id NO NO AND MORE NOS I keep telling, they created a situation by freezing the account to have an excuse to request further identification which they have no right to ask for, all Venmo has to do is permanently close the account that's it, this continued absolutely abuse and horrific treatment by these people insisting on my id is not necessary they have no reason to want my I'd.they want my id to unfreeze my account so I can close it. Silly to me! Then I tried to get back into the the next day it was frozen, restricting my access to deleting my card off the account, to get my debit card off the account so I had to go to my financial institution and close that card immediately I knew I was being scammed, and I had been defrauded. As of XXXX on XX/XX/2023 the account is not close it is still open. After reporting Venmo to the XXXX XXXX XXXX Venmo still hasn't closed the account that why I have come to you for help thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on XX/XX/2020 that a collection account was placed on my report. I have perfect credit with no blemishes. I have never heard of the company or the collection agency, which I have never heard from via written or voice communications. I had pervasive and repeated Identity Theft over the last few years, I sent Allied Collection Services of California the FTC Affadavit of ID Theft with a nortarized statement, and two police reports regarding the ID THeft, and told them it was urent. They didnt respond, and I called back to talk to a manager and they would not let me. They placed this on my XXXX XXXX and XXXX reports with no warning, no letter, no call. I provided all of the documentation at once proving it was fraud. I see many complaints about this companies practices so I need protection from having my credit ruined due to fraud. Please advise.
Product: Mortgage

i am a plaintiff in a pending lawsuit the basis is fdcpa, fcra against Usbank Na alleged creditor and XXXX as servicer for the alleged loan. defendants are making a threat to take an action which they can not legaly take. 
On XXXX XXXX, XXXX. I was given the opportunity to observe the collateral file provided by US BANK NA alleged creditor location of XXXX office by a secretary who allowed me to observe the documents for appoximatley XXXX mins and gave me a black and white copy. 
Plaintiff now witnessed the Collateral file that was now altered in its original form. Plaintiff has now discovered a transfer of the DOT from XXXX XXXX XXXX XXXX transferring all benefical interest to : XXXX XXXX XXXX XXXX, as Trustee executed on XXXX/XXXX/XXXX witnessed by notary XXXX XXXX. 
Us bank Na has recently sent the Original documents to XXXX XXXX XXXX who in turn destroyed the Orignal allonge by writing void across it and has now stamped a new endorsement on the note. 
on XXXX/XXXX/XXXX XXXX XXXX tansferred the same instrument it had previosly transferred to XXXX to a trust dated back in XXXX. XXXX XXXX XXXX has sold the note to XXXX and allegedly to US bank who has yet to produce and authentic endorsement. a true and correct copy of the XXXX. to XXXX XXXX and a recent voided allonge is included as an exhbit along with a corrective assignment that has has not been recorded. I allege that this is morgage fraud.
Product: Debt collection

A debt was added to my credit report from LVNV FUNDING LLC, upon calling LVNV collection to validate the debt, I was told they cant validate the debt, I ask that this debt get deleted from my credit report, for the failure to provide proper validatiion
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. 

The letters are stated with items and issues. 
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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Target credit card that was opened on XX/XX/2021. I added XXXX authorized users on to the account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021. They placed my account in a restricted status requiring me to submit documentation to verify my identity, which I did. I faxed them the requested documents in the beginning of XXXX. They claimed the faxes came through blurry and continued to demand faxes. I offered to email the documents, and they said for my protection, they don't accept emails. I told them I could send an encrypted email, they declined. I told them to cancel my account, and they refused. This is an FTC violation of a barrier to cancellation. I told them if they think I'm breaking some laws to contact the FBI. This is a {$500.00} credit card. This is insanity. I have a XXXX minute conversation recorded legally, as I'm currently in the state of XXXX, and also I notified the representative that I was recording the call anyway. She stated that it's their policy that they can't cancel until I do something extra. 

This is resulting in the following : Their customer base appears to be larger than organic due to barrier to cancellation. 
My credit report is being impacted, and will continue to be impacted permenantly due to this barrier to cancellation. 

The representative refused to transfer me to their manager claiming to be the end of the line, and so I'm coming for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

collection account is showing as open and is allowing the creditor to keep updating the status and balance on a closed account. this is violation of metro 2 guidelines