23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello..Ive consistently sent letters and have gotten no response, Im concerned about invalid items/inaccuracies on my credit report with all 3 bureaus pertaining to Midland Credit Management.Im under stress after seeing this problem on my report as it is disrupting my livelihood due to the adverse impact its causing.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to XXXX, Equifax, and XXXX to remove these fraudulent addresses they still havent done so for years now! these are the following fraudulent addresses as follows : XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Product: Debt collection

I opened a XXXX XXXX account with XXXX on XX/XX/XXXX and enrolled in their XXXX debt cancellation program. Under this program my debit up to {$10000.00} will be cancel if I remain Unemployed for more than 180 Days. I remained unemployed for more than two years. 
This collection Agency reporting wrong date of account opened ( XX/XX/XXXX instead of XX/XX/XXXX ) and still trying to collect this debit.
Product: Debt collection

This is not a duplicate, my previous Complaint " XXXX XXXX XXXX '' say they not quite sure why nor how its a HIPAA violation. law is clear like the previous document I provided, XXXX XXXXXXXX XXXX XXXX  } did NOT provide me a HIPAA release, that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. you state that your are associates with the Original creditor, that don't make you the original creditor. so how did you get access of my private medical history with out a HIPAA release form. which is a violation.

I sent a validation request months back, you sent me a insurance claim that is not a HIPAA RELEASE FORM.
Product: Vehicle loan or lease

I leased a 2014 XXXX XXXX. During the leasing process I was told that absoluted all fees were paid upfront and then all I needed to do was pay the monthly fee and return the car in an acceptable condition. Upon completion of the lease, with the car in perfect condition, and with the car with far far fewer miles than contractually allowed, I was charged a {$380.00} disposition fee because I didn't choose re-lease another XXXX. This was never disclosed to me. It was buried in a giant contract which I was told was standard and unfortunately I signed without fully reviewing or referring to legal counsel for review. I was told it was standard and I had been told of all fees. XXXX threatened my credit. They had a collection agency come after me for this. I tried to speak with supervisors. They told me the CFPB has no jurisdiction over them and that they are not aware of any rules regarding properly explaining hidden fees to customers. 

I would also add, I chose not get another XXXX because the dealership was over-billing me for service and attempting to commit insurance fraud. Claiming it would take some insane amount of labor and excessive parts expense simply because they could convince an insurance adjuster to approve it. This made me very uncomfortable. This coupled with the generally terrible service was enough to turn me off the dealerships closest to me and the brand in general.
Product: Debt collection

I opened a credit card with Army Air Force Exchange Services ( AAFES ) in XXXX. In XXXX I was separated from service with the XXXX XXXX with a debt I could not pay and I remained unemployed until XXXX. The debt was sold to XXXX XXXX XXXX in XXXX while simultaneously Treasury Offset was initiated by AAFES. Recently ( XXXX ) I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX telling me that the balance that I owe was several thousand over the initial debt and that XXXX was attempting to garnish my wages. I contacted AAFES to provide me with the initial debt amount, I was told by a representative that they did not have that information. AAFES has collected my tax returns since XXXX leaving me with nothing and has allowed XXXX to charge interest on my debt while not providing any evidence to support the continued offset of my tax return. I have contacted XXXX for verification of debt with no response. I am currently seeking legal counsel for this blatant disregard of Federal law simply because AAFES is considered a Federal Agency. Please advise or take action on this matter, I am not the only one who has been placed in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred from XXXX XXXX XXXX in XX/XX/2022 to XXXX XXXX. On my credit report, it's showing that I have two loans and it's giving a balance of {$99000.00} which is affecting my credit score. XXXX XXXX XXXX should be updated on my credit report. I've tried calling them, but I'm getting an automated system saying that they don't have a record of my account and it's not allowing me an opportunity to speak to a representative.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We are currently paying {$280.00} monthly into our escrow. Annually that is a total of {$3300.00}. NewRez pays our County tx biannually in the amount of {$1400.00} which equals a total of {$2900.00} for our taxes. Also our XXXX XXXX Home owners Insurance is also paid in the amount of {$820.00}. Total amount paid out in Ta xes and Home Owners Insurance is {$3700.00}. The Annual Escrow Disclosure statement show a Shortage of  {$290.00} up until XX/XX/2020. However, if our balance for taxes and home Insurance is {$3700.00} - our yearly escrow payment of {$3300.00} our remaining balance owed is {$360.00}. 

Here is the discrepancy : they are showing an Escrow shortage of {$1200.00}. Why???? even if they have a so called Cushion of  {$620.00} as shown on the Escrow Disclosure I can not justify having a Shortage of {$1200.00}. In addition to the fact that in the month of XXXX we paid out {$870.00} Mortgage payment and {$1900.00} which was supposed to be an escrow shortage payment. Now here it is XXXX and once again we are facing another escrow shortage payment. Why??? Also, there is no explanation for the " other fee payment ''. What does this other fee payment mean??? I have tried to resolve this numerous times by calling in but as you know no one in this company is accountable for anything. No one can explain to me what are these other fee payments. 

It is this Mortgage companies bad practice not to make anyone accountable for any information given. I have several emails from NewRez they all come from a General Email box with no contact name. It is so sad that this PATHETIC MORTGAGE THIEVES are allowed to exist. 

I need to know why are we constantly behind in payments with this Mortgage thieves when we are constantly paying out money to them. Notice that you will not find one missed payment but yet we are behind not sure how this happens. We have MASSIVE documentation to show our payments throughout the entire time this mortgage has been transferred. 

This is a recurring issue with NewRez and it really does not help that our Mortgage has been transferred numerous times. Apparently in the process of transferring our Mortgage accurate payment history is NOT transferred.
Product: Consumer Loan

I borrowed XXXX. I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$260.00} finance charge, not {$4000.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. This is illegal.
Product: Debt collection

I paid rent in full {$490.00} to XXXX XXXX XXXX, XXXX XXXX, TX on XXXX XXXX. However, they still referred to IQ Data international. I told IQ that I had already paid in full, but they still called me constantly. Then they even reported to it XXXX. So, My credit score decreased. Now, I have claimed to dispute, but XXXX did not settle down this issue.
Product: Debt collection

I sent XXXX debt validation requests to XXXX XXXX and they have ignored all of my requests. I do not recognize this debt and I need proper validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number : XXXX This account needs to be removed immediately from my equifax report and never be added again by any bureau according to the FCRA. It has been deemed fraudulent by XXXX XXXX XXXX by a recent investigation into the credit card account. Please remove immediately.
Product: Credit reporting or other personal consumer reports

I was trying to get along through Huntington Bank with there be a loan or credit cards and Ive been rejected several times. My credit score is up to XXXX to XXXX and I gave them everything I needed. I filed bankruptcy over 20 years ago and theyre still holding it against me when any other company that Ive tried to get credit cards through. I got them XXXX except for Huntington Bank, I feel is still Im being discriminated against my employment history. I have a good employment history. Im work for XXXX XXXXXXXX XXXX XXXX and I saw on my check stubs in XXXX months into the year. Im at {$100000.00} so you tell me how come I cant qualify for {$8000.00} loan to do repairs on my house. This has been happening several times through the process very disappointed and feel like Im being discriminated against by Huntington Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}, XXXXXXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1400.00}
Product: Money transfer, virtual currency, or money service

On saturday XX/XX/, venmo suspended my account with {$1100.00} of my money in it. No explanation of their reason was given, now without access to my funds i can not use this money to pay my bills. The company has not allowed me to speak to anyone who can tell me why they suspended it and took my money nor can they tell me when I'll have access to it again
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet in XXXX. I immediately filed a police report. Since then, information has appeared on my credit report that does not belong to me. I have requested copies of my original signatures from creditors and the credit bureaus, yet I have never been provided with such. Not only have accounts been opened, but some of them have gone into collections. I have done all I can to resolve this. Next Step will be a civil suit against all 3 credit bureaus for reporting false information. The accounts listed below DO NOT belong to me, XXXX XXXX, and should be immediately removed from my credit report! Thank you, 1 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2100.00} 2 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Balance {$20000.00} 3 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$11000.00} 4 ) Date Opened : XX/XX/XXXX XXXX - Balance {$1500.00} 5 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1000.00} 6 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1500.00} 7 ) Date Opened : XX/XX/XXXX XXXX - Balance {$190.00} 8 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2900.00} 9 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1100.00}
Product: Mortgage

credit reporting act XXXX Account # XXXX has violated my rights 15 USC 1681 seccin 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also State a Consumer reporting Agency Can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a mortgage account under an open end Consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 {$40000.00} was paid to my Paypal account from a client for a service ( general contracting ). As of today, I've only been allowed to withdraw {$10000.00} of the money that is sitting in my Paypal account. Simply, I have not been allowed access to the remaining $ XXXX. 

When I called customer service, I was initially told I needed more information to confirm it was a legitimate sale and I am the legitimate account holder. I provided them with two forms of ID, a copy of my bank statement, my business license, insurance info and the buyer/sender/client got on a three way call and confirmed it was a legitimate sale. He also did what they asked him to do online.

I've been calling everyday to gain access to my funds. Each time I call, I'm given a different excuse... XXXX always ends with them telling me it is a large amount of money and it triggered their security measures. " Wait 48 hours ''. They can not identify an issue on my end ; they have confirmed that my bank account checks out, my identity, the client confirmed the legitimacy of the transaction and the money cleared, they have all of my information, nonetheless, they claim there is no person to override the system which is preventing me from withdrawing my money. " The money is in your account ; our system is just blocking you from withdrawing it ''.

I am a XXXX XXXX XXXX I find it unacceptable that Paypal is allowed to take 2.99 percent of the money paid to mXXXX XXXX an extra fee that I knew nothing about- then hold my money for an indefinite time. It feels like extortion. Based on their cavalierness during discussions, I can not imagine that I am the only one this is happening to. There needs to be some accountability on their part. Equally important, I need them to release my funds. I hope you can help!
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. 

XXXX XXXXXXXX XXXX  : # XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 deferred my student loans due to my XXXX  and my loans were sold back and forth between XXXX and XXXX. Each time they would redo all the negative late payments on my credit report on all 3 credit reporting agencies for all 8 student loans. I was awarded a waiver based on my XXXX  ( XXXX  XXXX  ) service connected from when I was in the military. The negative 120 Day late payments were removed and I thought I was able to move forward. They have since been put back on my credit report, again and again and again. I have constantly battled with this for years submitting new evidence each time and still having the 2 sister companies XXXX and XXXX repost the late payments 30/90/120 days to my negative credit transactions. 

I really want to get a loan and I am looking to purchase my first home as a disabled vet and have been unable to because of these huge delinquent hits to my credit. The loans show paid but all the negative history remains even though they were " supposed to be in deferral '' and were sold. When I called they said once they are sold they are put back into delinquent status. This seems like an unfair practice and if the 2 companies are sister companies it feels like tax fraud may be involved also.
Product: Payday loan, title loan, or personal loan

My name as stated on all my legal identity documents including my Social Security Card is XXXX XXXX XXXX. Loanpal is referring to me as XXXX XXXX XXXX and is refusing to correct this. I have shown them proof of a legal name change in XX/XX/XXXX and they tried lying to me about my name legally being XXXX XXXX XXXX when it is not. They would refuse to correct my name on the loan certificate that was issued before the install was finished even though they said payments are not due until 60 days after completion of the project. They would lie to me in XXXX of XXXX and XXXX of XXXX about fixing the name on my account and still send me statements under an illegal dead name of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian violated the law by allowing the following 3 items below to be re-added to my credit report after they were removed without sending me proper notification. These items successfully removed, as of XX/XX/2017, but were re-added. 
The items are as follows : XXXX XXXX-XXXX  XXXX- {$670.00} XXXX XXXX XXXX  {$580.00} XXXX XXXX XXXX- {$530.00} In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to  consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA.
Product: Mortgage

I am dealing with Reverse Mortgage Funding LLC. I had a Hail Claim which I turned in to my carrier XXXX XXXX. They issued me a check in the amount of {$27000.00} which I encorsed " FOR DEPOSIT ONLY '' to account XXXX XXXX in bank XXXX and then signed by my wife and I. 
Consequently this was a restricted deposit and I was the first endorsement. I do have the proof. 

XXXX endorsed it with 3 of their companies and the subsequently cashed it. I have asked for it and always had excuses and lies for not giving it to me. I have repeatedly asked where it is and they would not tell me. Now they file bankruptcy - no wonder they would not tell me. At our age we can not afford to lose this money to fix the hail damage as we don't have it. They have turned things over to XXXX XXXX XXXX XXXX and am not making any headway with them. To me, they are trying to steal money from us seniors. I have done everything they have asked but they keep asking for more. Some of which is impossible at this point. Since I was XXXX with a restricted endorsement they should not have been able to cash that check They should send me their check. I do have a copy of the front and back of the check they endorsed as proof. PLEASE help me get my {$27000.00} so I can fix my house. Why should I have to hire a lawyer to get this - is there any protection in cases like this?? It certainly proves that reverse mortgagees are not the best for us elderly. I should have backed out in the beginning as I was getting XXXX  around then. but I stuck with it..PLEASE HELP! If you need further informatiion, let me know. Thanx, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied through Credova for a line of credit to purchase some firearms. I was approved with a limit of {$1000.00} on an open line. I used XXXX to order ( 3 ) firearms and one box of ammo for one of the firearms. I ordered a " XXXX XXXX XXXX XXXX XXXX XXXX - 20 '' Barrel, 7 rounds, Synthetic with a description stating the firearm was a " Semi-Auto action ''. This means that its not " pump-action ''. For {$250.00} it should be that price. You can get the Pump-Actions for $ XXXX {$150.00} range. We I went to pickup my order they opened the box to find a Pump-Action shotgun from XXXX in there. I have contacted XXXX SEVERAL times over the course of 5 days and received one reply initially asking for more info, ( which i provided ) and no reply. I attempted to contact again several times, no response. 

I then contacted Credova via chat last weekend advising of all of the above and a rep was very rude and non-helpful. I revoked the autopay out of my account in writing during the chat until this issue is resolved and the XXXX is taken off of my order amount since I never took ownership, ( It's still sitting at XXXX ) . 

XXXX has refused to contact me nor has Credova called me even after a rep told me a supervisor would reach out via phone to me on XX/XX/2023. That never happened. This complaint is due to Credova being the finance company and stating on their website that if a consumer disputes something and has tried to reach out to the merchant ( XXXX ) that they would reach out. I advised the rep via chat I tried and to no avail, the rep refused to reach out in violation of their own company guidelines posted on their website. Now we have Credova falsely advertising their guarantees on their website to actually refuse them. I did not receive what I ordered from XXXX and I want to speak with Credova about it. I have spent hours and missed work to deal with this issue and am seeking compensation for my time and effort to resolve this conflict.