23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

THIS IS NOT A DUPLICATE COMPLAINT. READ THE COMPLAINT IN FULL. 

This has been ongoing for months now. Since XX/XX/XXXX to be exact. A person made payments to me for items that Venmo deemed high risk so they froze my account. I was told I had to wait until on or before XX/XX/XXXX and that I would receive an email stating my funds were available for withdraw. On XX/XX/XXXX, I finally received that email after funds were being held since XX/XX/XXXX. So initiated these transfers to my linked bank account on file. Later that evening of the XXXX of XXXX, right before these funds were about to be sent to me, I received an email from an account specialist saying that the payments were being disputed and to provide the information regarding these transactions. These payments had already been disputed and deemed in my favor based on the information provided to them about these transactions back in XXXX. So when I receive this email it confused me considering the night before I received an email that I was told I would receive once my payments were able to be withdrawn. Instead my account got REFROZE. And Venmo requesting the same exact info I have already provided to them. I spoke with a supervisor on XX/XX/XXXX, and she agreed that this isnt right and escalated my case. Said I could contact her whenever to see what the deal was. Well I hadnt heard anything and so I reached out again to speak to a supervisor on XX/XX/XXXX. Was told my case was escalated again. I havent gotten any response from a specialist Ive reached out to them on multiple occasions. I was told turnaround time was 7 days and to allow up to XXXX weeks. Well we have reached that point now and my account is still frozen with my funds in it. Ive been lied to. I called yesterday to talk to someone again and was left on the hold line for FOUR hours while I was told from a rep they were gon na get a supervisor. No just sat on the phone for XXXX hours for nothing. At this point, the business practice being done here is unethical, its atrocious to say the least, and I want my funds like the email I was told to be waiting for said I could have. Im not sure whats going on at this place but I expect a resolution very quickly as I have every right to feel how I feel because Ive been lied to, ignored, and basically makes me feel like my {$3200.00} is a big joke to them.
Product: Checking or savings account

SunTrust Bank put a hold on XXXX from my checking account to pay back a debt I wasn't aware of. This occured of XX/XX/16. My account went negative. In addition to the hold, they've also debited the same amount, essentially leaving me XXXX in the hole. I have returned item fees adding up because of this. The hold isn't set to expire till tomorrow, I can't get any information out of these people. It's almost unsurvivable.
Product: Debt collection

This bank has called a total of 19 times, Im not the person they are trying to reach. Wrong number or perhaps Ive been givin a phone number of a past customer. However I owe these people nothing.

Im a senior citizen, my calls are lotted, every time they call it goes towards my minutes.

Please have them not call me number any further. Again Im not the individual they are looking for.

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one has sent negative information to the XXXX  without my written consent : as well as my authorized users. I have never given written consent to send any info to a third party. This has caused problems for me to obtain anything for my future, has caused stress and XXXX in my life.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting things I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my XXXX and TransUnion credit report on line. There was an U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed  me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 

I have asked both reporting agencies to provided me with detail or letter confirming i am the one who filed Bankrupt and with my signature i have not been given this information as of yet. However they continue to advise that such has been " VERIFIED '' My inquiry to the U. S. Bankruptcy Courts confirmed XXXX AND TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Product: Mortgage

There have been numerous problems with Guild. First, I called about insurance money about a year and a half ago that was supposed used to fix my house from hail damage. At that time I was told there was no money left. However, the current issue with Guild messing up my escrow account by over XXXX. An employee recently found the money ( hail damage ) and sent me a check after nearly four years. However, that employee called me soon after asking for the insurance money back so he could apply it their mistake with the escrow account. That employee was recently fired. As a result of their own mistakes Guild is trying to jack up my house payment almost an additional XXXX per month. I called my insurance company and they told me the bill for my insurance can be paid monthly or in lump sums as it went up XXXX per month. My property taxes were raised by by XXXX per month so the total payment should have been a total of XXXX. Furthermore, I made a house payment at the end of XXXX and recently found that money XXXX was sent back to my checking account and Guild is now charging me late fees and is impacting my credit score significantly.
Product: Mortgage

Wells Fargo charged me late fees when I changed my auto debit. I received a warning that I was going to make a double payment when I was only going to make a single payment, so cancelled the payment. Then my payments were a month behind because of their online warnings. They did not reach out to let me know until I saw the issue online. When I had tried to check things earlier in the month their online system was down. They refused to eliminate XXXX late fee of XXXX. They said I could call back in XXXX  year to have it eliminated. They did not take responsibility for the alerts their system generates nor their poor communication. They did not inform me I was behind. They refused to document what they told me on the phone in writing.
Product: Debt collection

Addressing American Revenue Management : I request communication regarding a purchased debt. Failure to comply with laws may be reflected on my credit report. I urge you to rectify any violations, provide the required notice, and resolve the matter promptly. Accuracy and transparency are key
Product: Consumer Loan

This is the sixth time in 2 years i have complained about this company ever since i bought this car from them we have so far paid more then XXXX in repairs for the past 3 months we cant even get this car to pass emission and therefore cant get our tag the car has been undriveable we informed them but they still report us late on our payments they will not take the car back and have attempted to process payments we told them not to causing us extra charges they claim to cfpb that they try to work with customers but they do n't
Product: Credit card

I accidently paid off the full balance of my Nordstom Credit card once on XX/XX/year> for XXXX and again on XX/XX/year> for XXXX. I realized the mistake and sent a message through their website on XX/XX/year> and received a response on the same day that i needed to call their XXXX number. I called XXXX XXXX XXXX XXXX on XX/XX/year> and was transferred to a woman named XXXX who acknowledged my overpayment and informed me that they will not send me back my money until 20 business days after it posted.
Product: Mortgage

This is an addendum to my last complaint filed earlier today. I just checked my mortgage account with BMO Harris, and have seen that they have apparently double disbursed my escrow refund just yesterday. This brings up 2 concerns. FIrst I was assured on XXXX that the check was sent on XXXX. Second since they have disbursed the escrow 2 times, I do not want an escrow shortage on my account. I have attached a screenshot showing the history and double disbursement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im simply disputing my credit scores that have been grossly deflated by the Credit Reporting Agencies and have been reported that way for over 2 years by these same Credit Reporting Agencys. They have been reporting grossly inaccurate information that has caused great HARM to my family and I and continue to do so. Theyve done nothing to fix this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX Equifax and XXXX for failing to properly investigate and validate a disputed XXXX XXXX collection account on my credit report. Despite multiple requests, the credit bureaus have continued to report this debt without verifying the accuracy or validity of the information provided by XXXX. 

**Background : ** XXXX. **Disputed Account Information : ** - Creditor : XXXX XXXX - Collection Account Number : XXXX - Amount : {$860.00} - Date Reported : XX/XX/XXXX XXXX. **Failure to XXXX XXXX : ** Since XXXX, I have repeatedly requested from XXXX XXXX a proper validation of the alleged debt. XXXX has only sent me random, non-itemized phone bills, which do not meet the legal requirements for debt validation. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested specific information that was never provided, such as : - A copy of the signed contract or agreement creating the debt. 
- A complete itemization of charges. 
- Proof that the debt is within the statute of limitations. 
- Documentation of any transfer or sale of the debt, including the name of the current owner. 

XXXX. **Disputes with XXXX XXXX and Equifax XXXX ** I have formally disputed this XXXX XXXX collection account with the credit bureaus multiple times, yet they continue to report the debt as verified without providing any evidence of its validity. Credit bureaus have not conducted a thorough investigation or requested sufficient documentation from XXXX. As a result, the inaccurate collection continues to damage my credit score. 

4. **Inaccurate Credit Reporting : ** The credit bureaus refusal to properly investigate and verify the disputed information is a violation of the Fair Credit Reporting Act ( FCRA ). Their failure to remove this inaccurate collection has caused significant damage to my credit profile and financial standing.

5. **Impact on Military Family : ** As a military spouse, I am particularly vulnerable to the financial consequences of incorrect credit reporting. This inaccurate reporting has caused undue stress and negatively impacted my familys financial well-being. 

**Relief Sought : ** - I request that all three credit bureaus remove the XXXX XXXX collection account from my credit report immediately. 
- I demand that the credit bureaus conduct a full and proper investigation, requiring XXXX to provide all legally required documentation to validate the debt. 
- I seek compensation for any damages incurred as a result of the credit bureaus failure to investigate my disputes properly. 
- I request that all debt collection and reporting activities cease until full validation has been provided.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to comply with the following FCRA and FDCPA laws such as 15 U.S.C. 1681b, 15 U.S.C. 1681e, 15 U.S.C. 6802, 18 U.S.C 102A, the Gramm-Leah-Bliley Act and the Privacy Act of 1974. For the failure of providing proper verification asked upon in multiple previous letters, as I have told them these accounts to do belong to me. I am invoking my right under 1681c-2 ( FCRA Section 605B ), which requires credit reporting agencies to block fraudulent information from my FICO credit file within XXXX business days of receiving a proper identity theft request. 

On the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent several dispute letters to Equifax informing them of the fraudulent accounts appearing on my XXXX credit file. Despite fulfilling all legal requirements, Equifax has failed to remove the fraudulent accounts from my XXXX credit file, violating multiple rights under the Fair Credit Reporting Act and several other federal laws. My consumer file continues to reflect fraudulent accounts, causing financial harm and damage to my credit score. I have been denied credit, received increased interest rates, and financial instability due to these fraudulent accounts. I have also severely suffered emotional stress, frustration, and extreme wasted time from the hardship these fraudulent accounts have caused to my livelihood trying to resolve this issue with the Equifax.

I am demanding that Equifax : 1. Immediately remove the fraudulent accounts from my consumer credit file, as required by FCRA Section 605B.

2. Provide written confirmation that the accounts have been blocked.

3. Send me an updated credit report reflecting the corrections.

Documents ( Attached ) Copy of my government-issued ID Copy of my Social Security card FTC Identity Theft Affidavit Equifax has failed to comply with several federal laws, and I request that the CFPB take immediate action to enforce my rights and Ensure Compliance.
Product: Student loan

XXXX, now Navient, has made it very difficult for me to repay my student loans at a rate that I am comfortable with. I have both private and federal loans, but my private loans have been a nightmare to try to settle. I graduated in 2008 and since then, have been trying to work with XXXX/Navient to come to a mutual agreement on what I can pay monthly. After years of receiving multiple harassing phone calls daily, I very hesitantly agreed to payments of over $ XXXX monthly, knowing very well it was going to be extremely difficult to keep up with. I honestly wanted to start paying back what I owed and desperately wanted the harassing phone calls to end. This was my only option for that and the best offer I had gotten in the years I 've tried to settle with Navient. After the first few months, I noticed the payments were not coming out, even though I agreed to a direct deposit from my account. When I contacted Navient, they somehow had the wrong account number and penalized ME for it, adding more to my already difficult-to-make payments so that my account can become current again. After months of this, it was clear that I could not keep up with my payments. I already have very little in my savings and had to dip into them in order to eat some days, which is extremely frustrating as I have made a great career for myself and work very hard for what I make. I contacted Navient to plead with them and try to come to a better agreement. It was obvious that I wanted to pay these loans back, but could no longer keep up with the payments and my savings were minimal at this point. I was told that I " have enough in my bank accounts '' to keep up with the payments and that there was nothing they could do. I pleaded for them to take a second look as my savings could only help me for another 2 or 3 payments before I would be left with nothing and my checking account clearly did not have enough funds. The supervisor was rude and not very willing to help. After " reviewing my finances, '' he decided that I could keep up with the payments and that there was nothing else they could do. I am in a very difficult position now because these are not my only loans, my interest rates are through the roof and I am drowning trying to keep up with all of my expenses on top of the overwhelming amount of student loans I pay monthly. I want to pay back my loans, I am an honest person, but I do feel very taken advantage of by Navient. There is no way that a XXXX. in XXXX cost almost {$200000.00}! Please help. I want nothing more than to settle this and be done with this huge burden.
Product: Debt collection

I entered into a consumer credit transaction with XXXX XXXX XXXX dealer on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX dealer took cash. The finance charge is suppose to include insurance, but XXXX XXXX XXXX dealer made me purchase insurance separately. XXXX XXXX XXXX shall be held liable and accountable for withholding information that shall have been disclosed to the consumer in a consumer credit transaction. The consumer was never given two copies of the recession notice and the required disclosures in a credit transaction according to 15 USC 1635 ( a ) ; Regulation Z 15 CFR 226.5 ( b ), and 15 CFR 226.15 ( b ).
Product: Checking or savings account

Good afternoon, On XX/XX/XXXX I realized that my savings account with Chase Bank had been compromised via XXXX. Someone had gotten access to my savings account information and attached it to a XXXX account, fraudulently used my name, but not my social security number, address, email or phone number. They did not have to provide any type of verification that they were who they said they were and Chase allowed them to steal over {$6200.00} worth of my hard earned money. I am a single mom trying to raise a daughter in California and for this to happen to me is devastating to say the least. I have since closed my account with Chase. 

The transactions started on XX/XX/XXXX XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XXXX = {$790.00} XX/XX/XXXX - {$190.00} XXXX = {$790.00} XX/XX/XXXX - {$420.00} XXXX - {$490.00} XXXX - {$990.00} XXXX - {$1900.00} XXXX- {$6200.00} Don't we put our money in a bank to protect it? They refunded me only {$990.00} to then send me a letter on XX/XX/XXXX asking for that money back! They know this is fraudulent activity and XXXX has verified this as well with the countless calls I have made to them, but never has anyone sent me any correspondence regarding how this has happened or why. I can't get anyone to give me a clear answer and I'm disgusted. This is my last hope. Please help me get back what is mine.
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.US Dept of Education Account XXXX XXXX XXXX XXXX Dept of Education Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, Account XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number 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: Payday loan, title loan, personal loan, or advance loan

My vehicle was repossessed by Title Max & on XX/XX/year> at XXXX, I entered the Title Max located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to ask What date did a Title Loan occur with my vehicle, What is the remaining balance on the loan with Title Max for my vehicle & XXXX XXXX company did Title Max have repossess my vehicle? The Title Max employee ( XXXX ) refused to answer any of my questions or give any information I was asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a chapter XXXX bankruptcy in 2018 which included XXXX ( formally known as XXXX XXXX XXXX XXXX ). I completed the bankruptcy and it was XXXX. During court proceedings, XXXX did not appear at the meeting of the creditors to contest the filed bankruptcy and the debt was XXXX. Since the discharge of the debt, the company has changed their name and the debt has still been reporting to my credit. As of today XX/XX/XXXX, XXXX  has reported me being XXXX  days late on payments to this non existent account. This has down extensive damage to my XXXX XXXX. I am also including documentation from the bankruptcy showing that they have been XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX  XXXX