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

I am not sure if I selected the right option for this complaint. However, I am submitting this complaint on Tower Loan that's located on XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. I received an unsecured loan check in the mail XX/XX/2021. I cashed the check XX/XX/2021 and I am well aware that I am a month payment behind. I have informed them that I would pay this upcoming Friday, XX/XX/XXXX, XXXX have also informed them not to call my job or during my working hours. However, even after informing them of this they have still been calling my job. Not only did they call my job Tuesday, XX/XX/2021 the young lady who called informed my manager that I owed a debt. When my manger informed me of this I called them to let them know for the third time not to call my job. The young lady on the phone said, Well XXXX XXXX what you gon do? As if shes trying to invoke me and/or threatening me. I then replied that Ill just file a complaint and hung up the phone. I proceeded to start back working but they began to call my phone back to back, which was a total of 5 times. I did answer the second time they called and informed them that they were in violation of 15 usc 1692d ( 1 ) ( 5 ) and 15 usc 6801. I told them that I am aware that I am a payment behind and I will make the payment this Friday and that I didnt appreciate that you informed my boss that I owe a debt. Not to mention to continue calling me while I am working. Once I hung up the phone the second time they still began to call 3 more times, which was the total of 5 times. The same young lady, who will not provide her name, called my job again Wednesday, XX/XX/2021 and Thursday, XX/XX/2021. She called my phone again during those hours as well back to back for a total of 3 times. Today, Thursday, XX/XX/2021 when my manager informed her that I was not there and to not call, in which she had already informed her of this on Tuesday the young lady replied back to her, " Well it's a new day. '' and then she hung up the phone. By the time you all will get this complaint I will be caught up on payments, but I do not appreciate the harassment and providing private information about me. I have also never gave them permission to call me job from day one of receiving the check in the mail.
Product: Money transfer, virtual currency, or money service

Cash App closed my account without warning. There were large sums of money deposited from my job. Cash App kept my money and locked and eventually closed my account. When I called several times I was given empty promises.
Product: Mortgage

My loan was transferred to Flagstar Bank in XXXX, MI for an XX/XX/XXXX payment. Flagstar 's system wasn't set up to accept any payments until XX/XX/XXXX. In the meantime, they did the following : 1.  Provided conflicting information about my RESPA protection and not being subject to late fees or credit reporting for 60 days. One customer service rep said that I didn't have to make any payment for 60 days. The other said that I had to meet my regular payments 2. Starting XX/XX/XXXX, they sent me and my wife daily or twice a day robo calls to their debt services line even though I had no debt 3. Sent one letter about my RESPA protections and sent a subsequent letter saying that I would be subject to late fees and reporting to credit bureaus within 30 days. They didn't admit those were conflicting letters I called Flagstar today with my complaint and they did not resolve it.
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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

I am writing to formally dispute several charges that have appeared on my account, which were not made by me. On XX/XX/year>, I received a text message from Citibank asking whether I recognized XXXX of the charges. Upon reviewing my account in the Citibank mobile app, I discovered XXXX charges that I did not authorize. I immediately marked them for dispute within the app and contacted Citibank customer service for further assistance.During my call with a representative, I was asked routine questions, one of which was whether I had possession of my credit card. I confirmed that I did, though I was perplexed as to how these charges could have been made while I still had my card in my possession. The representative assured me that an investigation would be initiated, though it would take some time.To my surprise, I received a letter dated XX/XX/year>, although it arrived today, XX/XX/year>. The letter stated that the investigation had concluded, and no fraud was detected due to the use of the XXXX XXXX. However, this statement is inaccurate, as some of the disputed charges were made online and therefore could not have involved the XXXX XXXX XXXXI am confused by the outcome of the investigation and can not understand how these charges were made, especially when some occurred while I was at work. What I do know for certain is that I did not authorize any of the XXXX charges in question. I am requesting that the Citibank XXXX Department re-investigate these charges thoroughly and provide a more accurate assessment.Thank you for your attention to this matter. I look forward to a resolution as soon as possible.
Product: Consumer Loan

I was in an accident. I had a loan on the vehicle. The finance company had an insurance policy on my vehicle so the car went to the finance company after the accident for the insurance company to pay off the claim. Instead of handling the situation properly the finance company put the car on my credit as a repossession. The car was n't repossed at all. United Finance Company XXXX WA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Submitted on XX/XX/2022 & XXXX, SUBMITTED ON XX/XX/2022. 
XXXX, SUBMITTED ON XX/XX/2022. The response states, the company will reply back in 60 days. 
This is not acceptable. Under the Fair Credit Reporting Act, the CRA has a certain amount of timegenerally 30 days but up to 45 days in certain circumstancesto resolve a dispute. If the item can not be verified by the creditor within the time frame, it will be removed from the report. 
Therefore, 60 days, is not acceptable according to the FCRA Guidelines, when the disputed information was received by the credit reporting bureau agencies in a timely manner. Therefore, 30 days, is the maximum allowable time frame, from the date which dispute was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

l am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number XXXX XXXX services XXXX. In XXXX of 2017 XXXX XXXX illegally repossessed a vehicle I had with them. XXXX then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of {$35000.00} and I should have been due some amount of equity returned from the sale.
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 : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, TN CHILD SUP 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 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.
Product: Checking or savings account

Dear sir/madam, I had signed up for XXXX XXXX XXXX provided by First Data XXXX Services LLC in XX/XX/XXXX for my XXXX  of XXXX XXXX XXXX XXXX XXXX 

I was using their merchant services till XX/XX/XXXX without any problem. On XX/XX/XXXX, I processed two transactions for the total amount of {$740.00} using merchant service account ( XXXX ). When I processed these transactions on XX/XX/XXXX, First Data XXXX Services LLC cancelled my account and never released the fund of {$740.00} to me as of today. I contacted their customer service several times and talked to their supervisors ( XXXX  ) in  many occasions, at the beginning they told me that the funds will be released after 60 days from XX/XX/XXXX, they also promised me that someone would get back to me from their security department, and as of today - nor their security department or any one else has called me back yet. Rather than releasing my funds, they are charging my account and adding lot of fees unfairly. They have cancelled my account unfairly and because of them, i had to pay additional {$530.00} for their devices. They have also reported my name on the merchant services as misuser. 

I called their security department at least 20 times to solve this issue and there is no one to pick up the phone, I left several voice messages too but no responses back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized credit inquiries on my Credit Report. Transunion XXXXXXXX on XX/XX/XXXX, XXXX 's XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These account has been deleted off my XXXX credit report after having been disputed.
Product: Money transfer, virtual currency, or money service

Hello, We have a business with a XXXX XXXX XXXX. Someone on their name contacted us and the conversation was perfect. They send email with the invoice and everything and we transfer the money. It was around USD XXXX we send to a bank in JP Morgan XXXX from XXXXXXXX XXXX  XXXX. 

It was done in XXXX and today we get to know that it was not the company account. It was a scam.
Product: Credit card

Early in XXXX I opened up a Discover card. They offered me a {$10000.00} line in doing so they told me that my monthly payment would be {$25.00} a month. At no time why I was using the card in the first 90 days did they express to me that they went off a percentage of per balance monthly within a few months with timely payments they did a query on the account demanding that I fill out an IRS form and that they were closing the account before I could submit the form they close the account which led to two other credit cards, closing and other cards, reducing my limits, forcing me to pay out sooner than my other contracts due to this card while also reporting that I close the account which I was trying to do before they could, but they are actually the parties that closed it without providing any information. Since then, Ive received minimum two calls a day every single day of the week and Emails demanding the total balance, and that theyre reporting actively on my credit negatively. I am really baffled on is how they marketed the card And the high usage only to allow false pretense on Payments being within reason. I currently have three other credit cards all in good standing with reputable banks, including XXXX XXXX, XXXX, with where I was reduced my credit limit and a third-party credit card however, ive been paying all my credit cards and good standing since the date of their opening. This is in fact a predatory card and their behavior is predatory because its the point where I expressed my concerns with them that they kept changing the payment around without giving me any ample notice. Then the direct affect was they ended up closing the account and are threatening Collections.
Product: Mortgage

Allegedly Im assigned a person within this company to assist specifically for the possible prevention of foreclosure. The person has changed many times since my assignment with them as a consumer. Yet I get form letters telling me to contact them for additional assistance and they are NEVER available. I believe it was spoc something but Ive yet to have a conversation. I havent talked to anyone on the phone from this company since XX/XX/2020. On a couple documents a person who was removed was rubber stamped on a updated situation after they were reassigned by a new rep and I never had and conversation with them but they are included in dialogue like they preformed services on my behalf. Who are theses mystery people why are they so hard to get a hold of? Are there so many distressed account nobody can get to them IT cant be case load cause Im sure XXXX XXXX  has the man power .. how can this component thats put in place to help never contact me and dont take calls sign off on situations they arent engaging from the standpoint of the consumers perspective? I only email the spoc person once and he replied and was reassigned then a new and a new and a new one etc and they co-sign like the are engaging me with out any interaction to actually see whats the issue causing foreclosure cause had they would have been proactively involved the communications wouldnt have been this bad
Product: Debt collection

XXXX XXXX XX/XX/XXXX XX/XX/XXXX PAID ORIGINAL CREDITOR CLASSIFICATION : Banking ORIGINAL CREDITOR : XXXX XXXX BANK XXXX XXXX. 
DATE FIRST MAJOR DELINQUENCY REPORTED : XX/XX/XXXX ORIGINAL CREDITOR CLASSIFICATION : BANKING LAST REPORTED DELINQUENCIES : XX/XX/XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX BANK XXXX XXXX XXXX XXXX COLLECTION COLLECTION ACCOUNT UnknownLoanType Closed
Product: Debt collection

I am in receipt of your letter dated XX/XX/XXXX. The following is my response along with the attached Identity Theft Report from the FTC : American Education Services ( AES ) is defined as a debt collector pursuant to 15 USC 1692a ( 6 ) by 1. compiling and designing a deceptive form called a FAFSA and 2. defined under 15 USC 1692a the term debt collector means any person who uses any instrumentality of XXXX XXXX or the mails in any business the principal purpose of which is the collection of any debts or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. It is a fact AES is participating in interstate commerce, provided a FAFSA ( free application for federal student aid ) and is participating in the collection of any debt. The form was deceptive and its null and void. I, the consumer have all CFPB records and all mailing evidence providing the alleged debt was never verified. The consumer reporting agencies have removed this alleged account from my consumer file due to not being able to verify it and/or identity theft. FCRA 1681c-2 is the law that governs identity theft. I mailed a notarized Affidavit on XX/XX/XXXX to AES that stipulated failure to Cease and Desist shall be evidence that American Education Services intends to be guilty of the aforementioned crimes and more ( reference the Affidavit ). By failing to meet all of the stipulations required in the Affidavit, AES ' full agreement through tactic acquiescence was and is that there can be no case, collection, or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See Eads v. Marks, P. 2d 257 260. There shall be no reporting or any attempts to collect this alleged debt.
Product: Mortgage

XXXX XXXX was not licensed in the state of Missouri at the time these documents were produced. 
XXXX XXXX produced a FHA loan in XXXX XXXX name, XX/XX/XXXX. 
XXXX XXXX produced a loan in XXXX XXXX name, XX/XX/XXXX. 
Both for the amount of XXXX total of XXXX FHA loans as shown from XXXX XXXX XXXX website. 
XXXX XXXX ' email XX/XX/XXXX stated the Note was damaged when in fact the note was never signed or agreed. 
XX/XX/XXXX new XXXX XXXX sent the Missouri attorney generals office a document stating that it was a Note we signed. 
XX/XX/XXXX XXXX XXXX XXXX sent XXXX XXXX a Note with different signatures as shown in the documentation. 
As shown in the documents provided I have sent new American funding documents showing clear evidence. 
XX/XX/XXXX email questioning XXXX XXXX about the situation, XXXX XXXX stated XXXX XXXX was added later, the reason being not married. 
XXXX XXXX was added later, how is the loan dated 2 months apart with XXXX loan XX/XX/XXXX and XXXX XXXX XX/XX/XXXX? 

XX/XX/XXXX is the date they have on the addendum only in XXXX XXXX name Stating he was married, he worked at XXXX XXXX, documents are robotic signatures. 
He did not work at XXXX XXXX at the time. He was not married. Stating the no cash out refinance was due to a bona fide financial crisis. 
I have attached a XX/XX/XXXX statement showing we were ahead XXXX payments until XX/XX/XXXX. 
No payments were ever missed, we were never in any financial crisis nor did we ever state we were in any situation of financial distress. 
As shown in the document provided In fact we both were not working at the time both receiving unemployment due to XXXX XXXX. 
New American funding received forbearance money XXXX cares act filing form XXXX with the irs XXXX tax documents. 
I believe the information from XX/XX/XXXX was used As you can see the dates XXXX XXXX XXXX loan and XXXX XXXX loan XXXX. 
XXXX XXXX name was removed from the original loan dated XX/XX/XXXX. 
I have sent proof of new American funding using unsafe methods including naf technology open source software and projects to hack into my ip address. 
I have more information and documents I am more than happy to provide, I am not the only person they have done this to the federal government has been made aware XXXX XXXX XXXX has been fined by the federal authorities and have been charged in court for the same reason as I have provided evidence of this is ongoing. 
Underwriting as many FHA loans as possible for issuance payments including modification of documentation and information other than provided or not provided to new XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB I am in the process of disputing two items on my most recent XXXX credit report. Per their instructions, I am reaching out to you to start a identity theft report. 

I have a Hard Credit Inquiry from : SYNCB/AMAZON XXXX XXXX XXXX XXXX GA XXXX XXXX Requested on XX/XX/2022 I also noted this item under Inquiry Analysis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX on XX/XX/2022 I did not request any credit inquiry in relation to Amazon. I also do not have any connection to or have ever lived at XXXX XXXX XXXX XXXX, NY. 

I contacted Amazon service department, and they have no record of a credit request on my personal account. Per XXXX instructions I have requested a 'letter of deletion ' from Amazon . I have not heard back from them yet. 

XXXX requires and identify theft report in order to start the process of removing these items. 

Note this hard inquiry does not appear on my XXXX report Please let me know if you need any other information from me to get this issue resolved Thanks, XXXX
Product: Credit card or prepaid card

I have had my Lowe 's consumer store card for more than 7 years. In that time I have always paid my monthly bill in full and on time, never late and always paid each payment in full. XXXX XXXX who handles the accounts for Lowe 's, has decided too close my account due too perception. I am recovering from some other bills and fell behind on some other accounts which adversely affected my overall credit score.how can they do this? When I have been a good customer and always paid the bill in time in full. Closing my account affects my credit score, how can this be right. I as the consumer abided by all the terms of my lowes card, again I paid it each month. How can they just close the account??
Product: Mortgage

Wells Fargo bank offered a hurricane relief plan for there customers a 90 day plan to put the payments at the end of my loan. But instead they ask for all 90 day payment in full or I would be put in default of my loan .Sent me letters asking for the payment added late charges every month on my statement. They was to help me and I feel that they did not.
Product: Debt collection

Had an agreement with Immediate Credit Recovery. We had an agreement that I would pay {$5.00} per month for 10 months and then the debt would either be consolidated or reviewed. Tried to send in documentation stating that I was not financially able to pay. The next thing I knew my wages were garnished, now I only have {$800.00} every two weeks to pay my mortgage and my bills. This will put me in a financial bind. I received no mail documentation that my wages would be garnished. This is an old debt and I should not have to pay a 3rd party for a loan that I did not sign originally with
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX fails to comply with my cease and desist order and now they are making XXXX and Equifax accomplices to their fraud and deformation of my personal character. Please comply with the cease and desist attached to this complaint so that no further action is required. There will be no more added time for investigation. the company must comply immediately or deal with the next step in the litigation process. A record of all documents sent via certified mail has been filed away and stored along with the companies attempts of responding with documents that didn't meet the requirement for validation. By validation, the following was requested Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.