23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  report my 13 Student Loans between XXXX XXXX XXXX College and XXXX XXXX XXXX XXXX College were Transfered to XXXX  from XXXX. I consolidated my XXXX  loans to XXXX XXXX. XXXX  had them as being collection accounts with a XXXX  balance. I contacted XXXX who said they were never collections accounts and should be marked paid in full. A notice was sent that the dispute investigation was finished and they were marked collections/paid. I disputed that after calling and letting XXXX know. XXXX  said they made their investigation and they were still collection accounts. This is untrue. They are not and never were collections. XXXX  then told me they would only be on my credit report til XX/XX/2021, that is when 7 years was up so I should not worry about it. The XXXX loans are showing 120 days past due and they should be closed. Not only that but they were rehabilitated, but into general forbearance, and had hardship deference on them. All those actions should have taken any past due balance away. I can not reach an XXXX  customer service rep and the only note in all now 26 of these loans on my reports says dispute investigated, consumer not satisfied. This is not how I was counseled during student loan counseling this would work and XXXX/PHEAA never told me the transfer to XXXX. I am tired of fighting these loans.
Product: Debt collection

I had a XXXX  service and I had a deb with them that was paid trough a 3rd party company CREDENCE RESOURCE MANA the  debt was paid to this company for about 2 years now and they still showing in my credit report as not action.
Product: Checking or savings account

i am filling a complaint with the CFBP regarding capitol one 's failure to deposit my direct deposit from my employer and other incoming deposits. Capitol one has cited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and i request your assistance in investigating this matter to ensure my rights are upheld. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX breach have ruined me please have them remove the inaccurate accounts
Product: Credit card

About XX/XX/year> I had got charged {$980.00} in interest from my XXXX furniture credit card provided thru synchrony bank. About XX/XX/year> I received a letter from synchrony bank that they were lowering the amount of credit on my credit card. I responded via email that I was displeased with their decision and do not charge me fees for lowering my amount of credit. Then just recently I received a letter from synchrony bank that they were closing my XXXX credit card account. I have never been late or missed a payment on this account, but I noticed that this company has a history of closing consumers accounts that have a history of being in good standing, while not caring at all how it damages their credit report and rating. In addition, since they closed my account I can not even access my account to view my previous statements or pay my bill, which is very shady. They clearly have a track record of doing this to consumers and getting away with it over and over again, while leaving consumers credit even more damaged than it was before.
Product: Credit reporting or other personal consumer reports

I SENT A NOTICE TO OPT OUT AND REQUESTED FORM TRUST AGREEMENT AND CONSUMER CONTRACT.THEY NEVER PROVIDED ANY CONTRACT THAT LIST THEM LOANCARE OR XXXX AND I XXXX XXXX .IN ADDITION TO THEIR LACK OF DOCUMENTATION I WAS NEVER PROVIDED DETAILS TO OPT OUT AND NEVER AGREED TO DO BUSINESS WITH THEM. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to you written, un-written, verbal, and non-verbal per 15 USC 6802. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reported 5 hard inquiries that I did not give authorization for to Transunion and XXXX. XXXX dispute was successfully removed. The 5 that were not removed from Transunion were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA U.S.C 15 1681 there shouldnt be any damage on my consumer report, that shall cause defamation to my character.
Product: Mortgage

Newrez began servicing my mortgage XX/XX/2020. Ive had problems from the start. First they paid the wrong insurance company {$1800.00} I called them and made an online payment to escrow for {$1800.00} so they could pay the correct insurance company and waited to receive my refund for the cancelled insurance. 

On XX/XX/XXXX, XXXX I received notice that my hazard insurance had expired and they planned to buy insurance for my property. I again called them and gave my insurance company ( Foremost ) and policy number, XXXX. For some reason Newrez could not get the premium paid to XXXX but my insurance was still in effect. On XX/XX/2020 after receiving another request from XXXX for payment, I managed to get representatives from both companies together on a three way call. Finally, they got it straightened out. 

Newrez claimed nothing would change but the first thing they messed up was dropping the extra {$10.00} principle XXXX was processing. I decide to wait a couple of months and then add the extra back to my payment. I paid {$850.00} from XX/XX/XXXX thru XX/XX/2020. On XX/XX/XXXX they deducted {$990.00} and tell me that is my new payment. 

My hazard insurance is {$1400.00} per year, my taxes $ {$1500.00} for a total of {$3000.00} or {$250.00} per month necessary to pay both from my escrow account. They want a required cushion of {$500.00}. What law requires me to furnish them an interest free loan? 

My payment record and credit score should reassure them that the bills will get paid. After all, I paid the {$1800.00} to allow them the funds to pay XXXXXXXX. 

By my calculations, my new mortgage payment should be {$870.00} NOT {$990.00}. Thank for any assistance you can give me.
Product: Debt collection

I have never heard of this debt I was not contacted by the collection agency nor by the company that sent the debt to collection.
Product: Debt collection

THIS WAS RESOLVED YEARS AGO WITH  XXXX  FOR {$270.00} WHICH I DO N'T KNOW WHY I OWE BECAUSE I PAID MY BILL IN FULL THEN YOUR COMPANY BROUGHT THIS ACCOUNT AND PUT A NEW DATE ON IT LIKE IT JUST HAPPEN THIS WAS OVER 9+ YEARS AGO I 'M WITH THE COMPANY THAT BROUGHT  XXXX  AND IF I OWED ANY MONEY YOU WOULD THINK THEY WOULD HAVE NOT GRANTED ME SERVICE, FOR AS I 'M CONCERNED YOUR COMPANY IS JUST OUT HERE DOING WRONG TO HARD WORKING AMERICAN AND NOT DOING YOUR JOB CORRECTLY JUST PUTTING ITEMS ON PEOPLE ACCOUNTS.   I DO N'T HAVE ANY PAPERWORK SHOWING ME HOW THIS {$270.00} BILL WAS CALCULATED SO I SUPPOSE TO JUST PAY FOR SOMETHING I DO N'T OWE, COMPANY MAKE MISTAKE ALSO LIKE  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still fighting this student loan mess in my credit reports it started in XX/XX/XXXX and I was born XX/XX/XXXX ; the CBs have my d.o.b. however that dont seem to help stop them from allowing this type of stuff to happen. I am frustrated to the max I am trying to buy a home for my family and this is stopping me. Something need to be done immediately and these student loans need to be removed from all 3 CBs XXXX, XXXX and Experian ... I need this taken care of from the day I first filed my dispute and they keep saying this stuff is verified JUST HOW IS IT VERIFIED I WAS BORN XX/XX/XXXX was not thought about in XX/XX/XXXX my parents had was only XXXX going on XXXX years old at this time and this is frustrating me too the max!!!!! I need HELP and need it NOW ... It look like the wrong social security number and incorrect names along with addresses I sent on my report and these people is doing nothing to get this cleared/removed when it shouldve NEVER been on my report from day 1!!!
Product: Credit card or prepaid card

I've open other complaints with no results, I've went to XXXX as well seeking help. Now after several complaints. On the XXXX the company took all my available credit, by decreasing my credit down by {$1000.00}, make all credit not available. I know I have never been decreased in credit, until after I've, made these complaints on getting my credit cards fix. It feels so what as an act of discrimination against the fact, I didn't just let them run over me, and took actions. Their answer or solution is to cut my credit due to all the complaint. I need answer, to why I've has the problems for 3 months, even the embarrassing declines, as well, as why was my credit decreased only after I've made several complaints. As of right now I'm not seeking legal actions, but answers are needed. I did go ahead and close the and stop all automatic payments until all questions are completely answered. Again no decreased until after I have complaints on the company. The credit was {$5000.00} is why they pulled my credit score with over {$900.00} was available.
Product: Vehicle loan or lease

I purchased my vehicle that was leased through Ally bank for XXXX years, at XXXX years and XXXX months I sent a cashiers check for the full amount of the lease buyout to Ally bank. They acknowledge this was received XX/XX/2021 and I just received the title for my vehicle XX/XX/2021 which is not even a complete title in my name ( excluding a need to visit XXXX of XXXX ). Because of this I have lost over {$4000.00} in the sale of this car, insurance, XXXX vehicle that I have now owned for over XXXX weeks, and I have the paperwork and quotes from XXXX, progressive and statements from a wholesaler who was attempting to buy my vehicle to prove this now is a loss of value for the sale of my leased vehicle. I called Ally Bank over and over for XXXX weeks, sat on hold for XXXX minutes at a time only to be treated like garbage by their staff once the calls were answered, I was refused email confirmation of phone calls, I was refused proof of my calls to Ally, I was refused any options to speak to anyone else such as a customer relations specialist. I was told to wait for emails that never came, and finally after demanding that I wouldnt hang up a call before they sent this required email, I finally got the email on XX/XX/XXXX which required signature after signature, then more asking & waited for Ally to complete their end of it while being threatened NOT TO SIGN UP FOR AN ACCOUNT TO TRACK THIS LEGAL SIGNED DOCUMENT IN ORDER TO KNOW WHEN IT WAS ALL COMPLETED. Then once again I waited a week to finally receive a title in the mail but its not even my COMPLETE, OFFICIAL TITLE OF OWNERSHIP. 
Its a title of sale that I am now required to take to XXXX of XXXX for assistance in completing the final title creation.
Product: Credit reporting or other personal consumer reports

I am a victim of a breach and the accounts listed are not mine XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX XXXX XXXX XXXXXXXX I received a text stating that there was a {$150.00} transaction pending on my account. This text was quickly followed by two other text stating that two other {$150.00} transactions were pending on my account. I logged in to my online banking and saw these XXXX transactions were from XXXX. I do not and have never had a XXXX account. When I called LMCU the first time, I was told I could do a dispute online. Went to the website to do it, transactions were not available for me to dispute. So I called back a second time at which point I was told the transactions needed to post before I could dispute them. I then chatted in to see if there was anything that could be done at which point I was informed since it was fraud then something could be done and I was given the phone number for the fraud department. I called the fraud department and was told that it was actually a debit card transaction not ACH as the mobile app intially stated. I asked which debit card it was and was told the last four numbers. This representative then transferred me to the debit card fraud team. The gentleman from the debit card fraud team was less than helpful. Literally zero empathy and told me go to a branch or do it online. I hung up with this gentleman and called back for a fifth time hoping to get someone a little nicer to assist. The final person I spoke to was helpful and he was the first person out of the SIX I spoke to that offered to block my debit card for me. Ridiculous that it took SIX people before that was even offered up as a solution to prevent further transactions coming out of my account. So since I was not able to dispute the charges at the time I noticed them, the fraudulent charges caused legitimate items to bounce on my account and resulted in " courtesy '' fees to be assessed. Honestly what I find to be the absolute most ridiculous part out of all of this is their fraud department is constantly texting me to make sure transactions for {$20.00} or {$39.00} dollars are legitimate, which they have been, but when XXXX transactions for {$150.00} dollars occur within seconds of each other on XXXX XXXX, even though XXXX XXXX has NEVER taken money from the account before, not a single eye is batted and no attempts to block it are done. Absolutely ridiculous. This whole experience is making me consider switching financial institutions because I feel like I am having to jump through so many XXXX hoops to get my money back from a fraudulent charge when the fraudster was just able to waltz in and steal the money and LMCU was just like " go ahead, these charges on an account that has never ever had any sort of sports-betting or gambling charges on it ever in the almost XXXX years it has been open seem totally legitmate '' I am just absolutely disappointed and disgusted with how this is being handled. I want my money and all the fees that were charged back immediately.
Product: Vehicle loan or lease

" End of Term Final Bill '', dated XX/XX/20, received on XX/XX/20 via USPS, charging {$270.00} for " Exterior Damage '' that did not include any substantiating documentation of any kind detailing the type of damage or necessary repairs. No repair statement was included, nor photos, nor mechanic 's documentation that would substantiate the charges. Document indicates that it is " page 1 of 1 '' so, no documentation was excluded in error. Call to " lease end team '' resulted in assurance that " I could have gotten this information if requested '' online, making it the consumer 's responsibility to get information that should be provided by the finance company to substantiate their invoice.
Product: Checking or savings account

My husband and sole business owner had a business account with Wells Fargo. This business was originally opened with XXXX  Secretary of State and transferred as a foreign entity to XXXX XXXX in XXXX due to our move to XXXX XXXX. The business owner/spouse passed away on XX/XX/XXXX. In XX/XX/XXXX I am his wife and executor of his estate started getting notices from XXXX  Comptroller of public accounts about Tax/Fee due. I have contacted the Comptroller office, told that my spouse and business owner died, was able myself to cancel/end sales and franchise tax and submit paperwork to XXXX  Secretary of State for his business closure. Certificate of termination of this Entity on XX/XX/XXXX has been forwarded to me and attached. This Certificate of termination and Certificate of Death along with SD Affidavit of Collection of Estate Asserts have been presented to the Wells Fargo Bank to close the business account. 
The Wells Fargo refused to close this business account that has a small balance left less that {$1000.00} and gave me a run around.
Product: Debt collection

I dont not apply for this loan. Somebody else must have used my information. I never received anything or had any knowledge of this.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER REPORT, I HAVE DISCOVERED INACCURACIES AND DISCREPANCIES IN THE REPORTED ACCOUNTS. 

Reported in Experian : XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account.
Product: Money transfer, virtual currency, or money service

In the attempts to become debt free I enrolled all my debt with the company Beyond Finance on XX/XX/XXXX with the total amount of debt of {$26000.00}. I have never missed a payment with them. One of the agreements when signed up with their program was that I would never pay any of the debt collectors any money regardless of them attempting to settle with me and to ignore their attempts at contact because Beyond Finance was the expert and they would handle every account for me. I trusted them with my money yet I was served papers at my home for the largest account that is being managed by XXXX XXXX. The total debt was XXXX. Since I was served papers and felt in that point I wasnt being properly represented because I was served paperwork. They again reassured me everything was handled, and that they would contact XXXX and handle it. 

On XX/XX/XXXX of XXXX I was informed from an associate of Beyond Finance that they contacted XXXX XXXX  XXXX and a settlement had been reached with XXXX XXXX after they had served me papers for {$6800.00}, which I had in my savings account. I asked the beyond associate if they would take any less if i paid them with one lump sum, but was told the amount would still be {$6800.00} and opted for the monthly payments versus draining my emergency funds. I was told that my biweekly payments of {$250.00} would need to be increased to cover the settlement because there would not be enough funds after paying the other settlements. They then increased my biweekly payments to {$540.00} and have been paying them this amount since XX/XX/XXXX. 

On XX/XX/XXXX, with absolutely no notice, XXXX garnished {$6900.00} from my XXXX account and wiped every last dollar I had in my checking and savings account leaving me with negative funds and not a single dollar. 

Today, XX/XX/XXXX my wife and I received a letter that XXXX XXXX attempted to take funds from my wife and Is joint account but there was no funds available. 

I have left several messages for XXXX XXXX  XXXX to see what happened and attempt to prepare for what is happening next and am waiting to hear back from Beyond Finance on how this could have happened and what to expect next. 

This has been devastating for my family and I am at a loss on what I should do next. I work full time, I pay all of my bills on time and I went from trying to become debt free to not knowing if Ill be able to make a mortgage payment because I am not being represented the way I was promised. My wife and I have no idea what to expect when our paychecks are being deposited tomorrow and if we are completely wiped out with no way to pay for food, childcare, our mortgage or our utilities we will be in an ultimate hardship
Product: Debt collection

The company is calling on a COMPANY credit card debt owed to AMEX. The information was submitted to the company and it was approved by a retiring supervisor. For some reason it has not been paid. 
The company calls the home phone several times a day. Then they have started to call my son 's cell phone number also, several times a day. He is just XXXX. 
The debt on the AMEX XXXX card is over {$1800.00} now, on the orignal debt of {$1500.00} due to delinquent fees. 
The company is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NJ XXXX
Product: Credit reporting

I have a collection that does not pertain to me at all. I have had past identify theft over seas being hurrassed at my job on on my cell phone. I recently applied for an apartment with my husband with not so good credit and my son whom has perfect credit and we all have good jobs. Please help we are struggling to make ends meet n possibly get rid of our debt. Exclude my son. And we have a XXXX yr old. We have money to make ends meet and more. We r homeless now, while others are criminals trying to get over on the system and succeed. We are doing right and can not get a break.
Product: Debt collection

I had recently open a complained in regards to this company and they just checked it off as a duplicate and didn't acknowledge it. Please refer to Case # XXXX. I need resolution to this case. This isn't a duplicate case. This hasn't been addressed.
Product: Debt collection

On XX/XX/XXXX I was contacted by XXXX XXXX XXXX a collection agency from XXXX Florida acting on behalf of XXXX XXXX. This company stated that they were going to put a collection on my credit profile for a rental agreement I owed {$17000.00} for, at which time I stated to them I never rented this apartment or owe any money. I stated to them i'm a current home owner at XXXX XXXX XXXX, XXXX NY XXXX and this account is apart of identity theft. This account goes back to XX/XX/XXXX when I noticed a company name XXXX XXXX was reporting monthly activity on my credit profile for this same rental apartment with XXXX XXXX. I filed a FTC report ( # XXXX ) and CFPB claim for that account and it was investigated and remediated. XXXX XXXX XXXX stated that this is my debt and it has been verified. I asked that they mail me the info showing its my debt in which they did not send anything. XXXX XXXX XXXX proceeded to put an illegal collection on my credit profile with equifax ( XXXX ) which I have attached. This filing is a violation of my rights and of FDCPA section XXXX ( a ) which requires that a debt collector send a written notice containing certain information about the debt and actions the consumer may take in response ( the validation notice ) to a consumer within five days of the initial communication. The final rule also requires a debt collector to provide prompts that a consumer can use to dispute the debt. The final rule provides a safe harbor for compliance with these disclosures requirements for debt collectors who use the model validation notice or certain variations of the notice. 

I have filed a new FTC report ( XXXX ), two police reports ( XXXX & XXXX ) and I have attached the police report ( XXXX ) from the prior claim showing the company XXXX  XXXX  that was reporting the month activity on my credit report. I have attempted to resolve this matter directly with the debt collection agency and through the credit bureaus. Despite my request the inaccurate information remains on my report. I then made a second request with the collection agency XXXX XXXX XXXX and was told that they're not the original debtor, that they were hired to manage the debt and I could not receive any information regarding the original debtor which is why it wasn't sent to me. 

This debt how's on my credit report that it was opened XX/XX/XXXX but shows no activity on credit history, in order for it to be in collection it should have some history of being late or charged off and comments state subject has not satisfied debt in which the collection has not provided me with any validation of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is not mine. I contacted the creditor as well as sent them a copy of police report stating my information was used