23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a current account holder and have maintain a pre-existing business relationship with One Main FinancialXXXX, TX. I requested on XXXX office visit and submitted my written request to be placed on a monthly Payment Plan, so I don't fall into default on my loan. 
The reason for my inability to maintain the original loan payment is due to a wide range of conditions which have affected my ability to maintain the original monthly charges. These include unexpected medical debts, pandemic expenditures over a prolonged period, rising costs of living, economic inflation, and the dollar amount of my fixed XXXX income. 
Under the Texas law I should be able to be placed on a payment plan which I was refused. I have acted in good faith in trying to pay my loan but recently treated unfairly when I asked to be placed on a monthly plan to avoid default actions.. Rather, I was placed on 2 deferments for half of the original payment amount I struggled to pay in XXXX and XXXX. I was informed by local office that corporate policy allowed 2 deferments options per year only and I would have to return to original payment amount for XX/XX/XXXX. I was clear in informing the staff at that time, in person and by phone that I just didnt have the funds. I asked and asked to be set up on a monthly payment plan I could afford not a fixed price they dictated. I hand carried a {$75.00} payment for XXXX payment which was refused and not accepted. 
My interest rate of 29.62 % I was told could not be readjusted or refinanced, loan dated XX/XX/XXXX and is At this time, I can afford to pay {$50.00} per month over the next 6 months and hopefully be able to restart my normal payments in XX/XX/XXXX. I am open to an XXXX Hearing and wish to avoid default and negative credit report. In addition I requested w my interest rate of 29.65 % could not be adjusted or refinanced at a lower interest rate and Loan taken out in XX/XX/XXXX.
Product: Credit card

On XX/XX/year>, I called U.S bank to close one of my credit cards because of their poor customer service and not resolving an issue. 

They ended up closing the account I never requested to close which I had filed the complaint for with CFPB. Heres complaint number XXXX. 

I suddenly cant use the credit card then I called U.S bank on XX/XX/year> to see if they put a hold on it because I filled a complaint. They said they closed the account. I said I never asked to close the account. The person didnt respond. 

She said in order to reopen this account, they would send me a form to fill out and explain why I want to open this card again. 

I told her I never requested to close this account and I recorded the call. As usual, no apologies or concern about the issue. 
There were so many recent transactions on the card and I wanted to keep it open so I dont have any issues receiving refunds and making payments easily. U.S bank retaliated against my complaint mentioned above and purposely closed the account that I never asked for. 

I have never gone through such trouble with any bank.
Product: Credit reporting

I tried to order my free annual credit report online from Equifax. They would not let me order the report on line and implied that I answered some of their questions incorrectly, which means that someone has possibly stolen my identity. I tried to order a paper copy ( not online ) but was unable to download Equifax 's required form. It is in a format not recognized by Windows or Adobe. At the same time, Equifax re-directs me to a web page where I can order a bunch of paid credit monitoring and other products. I could not be more disappointed with Equifax. They are blocking me from obtaining my free annual report and at the same time trying to sell me paid products.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report from XXXX  and noticed that the seven ( 7 ) XXXX XXXX XXXX accounts listed has incorrect information listed. I returned to school from XX/XX/XXXX-XX/XX/XXXX and received my XXXX degree. Then I returned from XX/XX/XXXX -XX/XX/XXXX and received my XXXX degree. I applied for loan forgiveness and my application was received by the XXXX XXXX XXXX on XX/XX/XXXX and all school loans have been in forbearance since then. I noticed that beginning XX/XX/XXXX-XX/XX/XXXX I was being shown as late with payments but as of XX/XX/XXXX I still had one more month to go before I was to begin to repay ( 6 mos. was not completed after I graduated ). As of XX/XX/XXXX-XX/XX/XXXXmy 6 mos. was not up AND I also was to be in forbearance until both the loan agents and myself are notified that the investigation has been completed. This is on all seven accounts and I am still in forbearance since XXXX so I am not understanding how this is being reported in this manner. I have disputed similar issues with them in the past but yet this shows up every now and again.
Product: Credit reporting or other personal consumer reports

TransUnion continues to report old accounts, or accounts that were already resolved and removed from my credit report.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 a letter was sent to transunion asking for them to verify the information from a item listed on my credit that i feel was deemed invalid by XXXX and XXXX. Wanted to inquire into what information the company has validating this account.
Product: Checking or savings account

Two deposits went in to Arvest Bank account in Missouri I closed the account at branch on XXXX XXXX  in XXXX do to 1000 dollars un accounted for missing and two weeks later I went to desput the 1000 at branch on prospect and account was opened still with XXXX $ was there And I snapped on them two days in a row and they closed the doors on me not giving me the proper paperwork to despute any false transactions I had to go to branch on XXXX XXXX XXXX mo.to get proper paperwork and that was a moth later and they showed me more new information bottom line the bank said I was right about me not writing checks and taking out money but it was past the time frame to dispute it.
Product: Debt collection

In XX/XX/XXXX, I was getting a mortgage loan approved to purchase a condo. There was one unknown debt associated with " Portfolio Recovery '' and at that time, I called and emailed the company and I was unaware of any outstanding debt as I had paid off and not had any credit cards since XXXX. The mortgage company informed me that it was settled and I got the loan. In the past 2 years, I received 5-7 calls per/week from different numbers with Portfolio Recovery. I have blocked them every time and then a new number comes up. Sometimes these calls are very early in the XXXX  or later in the XXXX. I would like this harassment to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a dispute letter to the company and the credit bureaus and I was sent a letter stating they will not reinvestigate the account that was not verified. They would not provide me information regarding what was the method of verification who they spoke to etc
Product: Credit card

US Bank owes me a refund of {$3500.00} from VISA transaction ID XXXX but no one at the corporation will search for My Missing Money, find out where it was mis-applied or mis-appropriated, and return the money to me. 

Details of my complaint are specified in CFPB Case XXXX which seeks to find or locate My Missing Money. XXXX response to my complaint states On XX/XX/2021, the Seller issued a refund of {$3500.00} ( Refund ) for the Payment, which was credited to your Credit Card that same day. It is important to note that most refunds will appear within five business days. However, refunds can take up to 30 days depending on your financial institution. 

I have never received this refund to my credit card from US Bank. 

Individuals at US Bank that I have talked to maintain that US Bank did not receive the refund. I believe US Bank, in an effort to provide quality customer service to a XXXX year loyal customer, should be working with the gateway provider XXXX to determine where My Missing Money is. 

Other individuals at US Bank that I have talked to maintain that because I did not file a Bill in dispute notice within 60 days as per the Fair Credit Billing Act, that I am not entitled to my refund. This purchase occurred when I was doing a home remodel during Covid, and, like everything else in the world, nothing proceeded easily, normally or smoothly. Because of the pandemic, renters were offered protections through the CARES Act, home owners were offered Mortgage Relief, students were given Student Loan Relief, and many exceptions were made to standard rules, laws, and operating procedures. I believe I am justified in asking for an exception to the timing of the XXXX. After all, this is MY money that was refunded ; nobody else has a right to the refund of {$3500.00}. 

I look forward to reaching the following resolution : US Bank traces VISA transaction ID XXXX for the misapplied or misappropriated funds and returns the money to me.
Product: Debt collection

Credit card debts over 6 years but they still want me to pay do I have to or is it a zombie debt and to old to have to pay. Ive been paying a small amount for awhile now on XXXX different accounts but they sent letter saying they cant sue or report me to creditors what can I do
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX- FIRST REPORTED DISPUTE - XX/XX/XXXX - RESULT XX/XX/XXXX WITH TRANSUNION- NO CHANGE ON INACCURATE BALANCE DUE.

DISPUTE -XX/XX/XXXX- RESULT BACK XX/XX/XXXX WITH TRANSUNION - FOR DUPLICATE ACCOUNTS And would like to know why and how they are allowed to continue to damage my credit with this inaqurancy?

Also according to credit report accurancy, the account has it 7yrs on my credit report as of XX/XX/XXXX.
Product: Mortgage

I called on XX/XX/20 to combine my 2 mortgages and they wont and say they cant because my house is worth less than what I owe and Ive told them so many times because its not the first time Ive called for this issue I have called many times over the years I have well going on 12 years living here in this property and not planning to move anytime soon and Ive called them that the reason I owe my house more then whats its worth is cause my interests was so sly high for so many years and i havent been able to put a gap on my loan i have with them I bought my house almost 12 years ago for {$130000.00} and till this day almost 12 years later i still owe {$100000.00} and yet I call them and ask them about it and they dont see a problem and if they cant fix it and cant do anything about it or atleast trying to help me in any kind of way they can or should
Product: Money transfer, virtual currency, or money service

I have had an account with this company for a little longer than a year. I went to sign in and am getting an error that my information is not valid. I have attempted to reset my password via the website and the link is not being sent to me. I have tried 5 times since XX/XX/XXXX to reach out to the company for assistance and no one has been in contact with me. I would like a response and provided assistance to access my account so that I may access my funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been notified of this billing Error and the inaccurate late payments in previous CFPB COMPLAINTS AND as well and communications and securities sent to the TRUST INDENTURE XXXX XXXX TRUSTEE XXXX XXXX. 
XXXX  XXXX has failed to do a reinvestigation and failed to provide the method of the investigations. The pre audit has determined a potential securities fraud issue with securities not being process in a timely manner. Also your trust indenture agreement and your prospectus clearly states NO SECURITIES WILL BE SOLD ON THE SECONDARY MARKET. When previous inquires were made regarding this manner, no REINVESTIGATION WAS PERFORMED NOR WERE THE METHOD OF THESE INVESTIGATIONS DISCLOSED.
Product: Debt collection

On XXXX A lady contacted me regarding consolidating my student loans via telephone and asked to call them back at XXXX. I called them back and informed them I am in the process of consolidating my student loans. The person who identified herself as XXXX XXXX informed me they would assist me in the process and that due to the " laws changing '' that I would need their support. She said she worked for " 77 Elite ''. She asked for my FSA ID and password, got into my account to look up my information regarding my student loans. She sent me an email with my current loan breakdown and told me she could be able to greatly lower my student loan payment and improve my credit score. She said in order for me to be able to consolidate my loans, they would need an upfront fee of {$990.00} for the service as nothing is for free. I told her I could not afford that, so she said I could pay it within 4 months. She asked for my debit card account information and immediately took {$240.00} out of my account. She emailed me documentation and told me to click to say I signed a document so that she could consolidate my loans for me. The documents are not notarized and the name of the company on the forms says " XXXX XXXX. '' I received two emails at the same time which I will upload, one stated they were the " Processing Team '' and the other one said " Processing Team, 77  elite on XXXX. '' I received a call from XXXX on XXXX from a lady asking for my social security number, and she would need it quickly in order to continue the process of my student loans. I received an email on XXXX requesting to sign releases of information to my 3 loan companies ( XXXX, XXXX XXXX, and XXXX  XXXX ), and requesting either my last two pay stubs or the first two pages of my most recent filed income tax report. I emailed the documents. After researching " loan scams '' I became very scared that this was a scam as there have been many " red flags ''
Product: Money transfer, virtual currency, or money service

I sold a watch on XXXX  and then they returned it when the buyer did not like it to an address I have not lived at in over ten years. Then when the people currently living there would not accept it XXXX  then shipped it back to the buyer and automatically debited my paywall account the XXXX dollars. Both XXXX and Paypall refuse to do anything including get me back my grandfathers XXXX watch that I mistakenly sold for XXXX that is actually worth over XXXX please help even if its just getting me my watch back.
Product: Checking or savings account

So I opened a savings account with Ally bank on XX/XX/year>. 
I had {$1000.00} in my account and I was trying to access my funds to transfer out of it. I was going to zelle the amount and they blocked it. I also tried calling ally bank regarding this issue and they closed my account and wouldnt talk to me. I kept calling numerous times and they kept hanging up on me. They claim that I didnt verify my information which is a lie because i provided all my correct information. They insisted they couldnt help me and kept hanging up on me.
Product: Debt collection

On the XXXX of XX/XX/XXXX my girlfriend 's sister and mother were both contacted by XXXX & XXXX- though the person never gave a name or the name of the company. They were both frightened by the tone of the call and contacted me. I called them yesterday ( through the number that was given on the message ) and it was only when I asked that the lady I talked to said the name of the company - XXXX XXXX XXXX. I've since tried to look them up and have found no information about them online. I don't know the name of the lady I talked to ( she never gave it ) but she was very threatening. She asked for the last XXXX digits of my XXXX and when I hesitated she said she'll get it from the court when they sue me. She said they sent me documents on the debt but I never received anything ( despite her having my address ). This was a theme throughout our conversation- I would ask her a question and she would answer with an answer that was " or it'll go to court '' " we can settle it in court '' " You'll be sued ''. She told me the store the Gap is suing me for a store card I had from XXXX. The amount of the debt is {$1000.00} ( per the lady ) but they ( the Gap ) would settle for {$770.00} right now. When I asked where I would be going to court she stumbled and thought and said that she thinks the debt was from XXXX so likely Colorado. She told me that a person was on their way today to deliver a court summons unless I pay the amount. I told her I'd have to talk to a lawyer ( because I wasn't sure of any of this ) to which she said " I'll see you in court! '' and hung up on me. I was very confused and frightened by the whole thing. I don't remember having a Gap card in XXXX and I'm suspicious that this person/company are trying to scam me.
Product: Debt collection

Throughout XXXX and XXXX this company called Credence resource management LLC has attempted to repeatedly contact me about a debt that I don't even owe. They say that the debt is to XXXX XXXX XXXX  and is owed by XXXX but I'm not even XXXX. They've called numerous times and have left cryptic voicemails with random numbers being said in order to bait me into calling them. They've also repeatedly called my phone even though I don't answer any of their calls. They've multiple voicemails but I only retained 1. The dates in which they've messaged me and called me are in the screenshots. This is XXXX for a debt I don't even owe.
Product: Mortgage

I am being notified every month even when forbearance was issued and my statement explains how many days late I am as well as Im being charge a late fee every month I dont pay. Now my statement tells me Im currently in loss mitigation and soon will be in foreclosure. Im still being charged late fees every month. Every time I call they note my concerns I n their system and then state that they are unable to reach me when I give them my email my cell and any other way I can be contacted. My statements show I paid them also show the year 2020 being charge late fees every month. Its an FHA loan and I want to refinance and they told me its against the rules to do so when on forbearance and against the law.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX Acct XXXX XXXX,  Acct XXXX XXXX, Acct XXXX has violated my rights to privacy. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, false information consists of this account : Account name : XXXX XXXX XXXX XXXX Amount : {$5000.00} Account number : XXXX Date opened : XX/XX/XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. 

The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 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.