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

XXXX  OPENED AN ACCT IN   XX/XX/XXXX .  THIS ACCT WAS WAS OPENED FRAUDULENTLY WITHOUT PERMISSION OF MY INFORMATION. IT IS A CASE OF IDENTITY THEFT. THERE IS NOW A BALANCE SENT TO COLLECTION THAT IS HURTING MY CREDIT REPORT AND SCORE. I AM CURRENTLY TRYING TO FINALIZE A HOME LOAN AND AM UNABLE TO DO SO.     I CONTACTED ATT   XX/XX/XXXX  A ND REVEALED THAT THIS ACCT IS NOT MINE. I WAS TOLD THAT THERE WAS AN INVESTIGATION ON IT DUE TO FRAUDULENT ACTIVITY. HOWEVER IT WAS CLOSED. I ASKED FOR IT TO BE REOPENED AND INVESTIGATED TO HAVE IT REMOVED FROM MY INFORMATION AND PULLED FROM COLLECTION. I WAS TOLD IT WOULD TA KE 5-10 BUS INESS DAYS TO BE RESOLVED.     I FOLLOWED-UP WITH A CALL TO  XXXX  ON   XX/XX/XXXX . T HIS TIME I WAS TOLD THAT IT WOULD TAKE 21 DAYS TO BE RESOLVED. I TRIED EXPLAINING THAT I WAS TOLD DIFFERENTLY THAT IF THERE WAS ANYTHING TO BE DONE TO EXPEDITE IT SINCE IT WAS EFFECTING THE HOME LOAN PROCESS. " NO '' WAS THE ANSWER, UNWILLING TO EVEN BE FORTHCOMING IF ANYTHING COULD BE DONE.       Collection Agency   XXXX   XXXX     XXXX  Original Creditor   XXXX   XXXX   XXXX   XXXX  Opened Date   XX/XX/XXXX   Balance {$3600.00}
Product: Debt collection

I called the Debt Collections Company after filing a dispute on my credit report for the collection of an improperly filed medical bill.

The Debt Collections Company insisted on taking personal sensitive information, and could not offer any information on the debt other than the institution who sold the debt to them. They could not provide contact information or further information on this debt.

I attempted to contact the Medical Institution regarding the improperly handled medical bill, with no response. They improperly filed the bill and were more than compensated by insurance already. They filed this debt improperly afterward, without any regard to notifying myself of said debt.

This information was also improperly filed on my credit report, causing me further trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank  flagged my XXXX card as fraud, but when I asked Experian for a removal they did not comply. If the card is flagged for fraud and an investigation by XXXX, Experian should remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a new copy of my consumer report and it showed a credit inquiries that I have disputed and been Disputing since XX/XX/XXXX. I have provide Equifax with a copy of a FTC report and a letter from my bank that placed this inquiry on my consumer file and in the letter it stated that they send over a request on XX/XX/XXXX to have this delete from my personal credit file. I called Equifax today and asked why is it still reporting when the bank has requested that it be removed and I have provided them with a FTC report. The supervisor stated that it was XXXX thing that she see that she could not disclose over the phone in my consumer file and in order to get this inquiry remove I would need to send another FTC report in with more detail about this inquiry. Correct me if I am wrong why would I need to do that when the Bank had already send them a request almost a month ago to have it deleted. I feel Equifax is trying to bully me and refuse to remove a inquiry that I did not authorized. Please help I have a previous open complaint that has an attachment from the Bank stated that they have put in a request on XX/XX/XXXX the previous cases are XXXX and XXXX. Per these letters Equifax has refuse to delete.
Product: Bank account or service

I doubt this will ever be resolved in my favor, but I 'm willing to explore all possibilities. And if nothing else, maybe my story can warn other consumers who are about to go on California state XXXX. 

Bank of America debit cards are used by California 's XXXX Department in place of XXXX checks : the state sends pre-loaded debit cards to workers out on XXXX leave. I was one of those workers receiving a XXXX benefit after XXXX last year. After my leave was finished and I returned to full-time employment, I was unhappy to learn that my card number had been used by someone other than me and that my card had a zero balance. The number had been used on several occasions, some of which occurred when I was at my office, and there were charges of close to {$500.00} at several XXXX locations within the space of XXXX hours on opposite ends of XXXX XXXX County. These took place on a Sunday when I was at home. 

As the card had never been out of my possession, it was obvious this was a case of fraud. But proving that to B of A has been impossible. I immediately contacted California XXXX, I filed a report with B of A 's Fraud Department, as well as one with the XXXX XXXX County sheriff 's department, and I also contacted each store 's security team. The security staff at one XXXX location, where many of the purchases were made, let me know that they reviewed the recorded footage where the transactions were supposed to have occurred. The register was n't in use at that time. Quite literally, no one was there. While the staff was baffled and concerned, there was nothing they could do. 

Of course, the state of California will not re-imburse me for the stolen " cash. '' B of A insists that these purchases at XXXX were " valid transactions. '' The people with whom I spoke in the bank 's Fraud Dept. told me they hear these stories frequently, and that there was nothing they could do. 

I am SURE I am not the only person on XXXX who has experienced this. There must be hundreds of people being victimized like this at any XXXX time. Obviously this system does n't work real well! But here 's the thing : {$500.00} is not going to break me. But for some older, unwell person who is depending on that money, {$500.00} could mean the difference between eating and starving, or living under a roof as opposed to living in one 's vehicle. 

Friends and co-workers who have been on state XXXX tell me the only way to beat the crooks is to withdraw every cent on that debit card the moment it is issued. I now understand this, but I am appalled that the state of California, knowing that this is flawed system, continues to utilize it. In no way does this practice help the people who are supposed to be getting benefits. And shame on B of A for refusing to help a consumer who has gone out of her way over the course of several weeks to gather evidence, file reports and do all the legwork. This lax attitude is the reason this bank is now on my list of institutions with whom I 'll never do business.
Product: Debt collection

I have no idea who this company is, and why they are trying to get {$1100.00} from me, when I try to communicate with them, I am put on hold for over hours, or call is disconnected, or even I am told someone will get back to me. I have been on XXXX since XX/XX/2010, the kind that all of my medical debts are paid, I have told them either they have the wrong person, or someone used my name. they refuse to give me any information, and they keep putting this on my credit report every few months, which gives a negative reaction to my score. This has to stop.
Product: Vehicle loan or lease

I was impacted on the last XXXX XXXX XXXX, called my auto company Ally Financial and worked out an agreement with them to avoid any negative impact to my credit file. Now looking at my credit file Ally marked me as a 30 day late. Please help
Product: Mortgage

I went with 'Better ' mortgage to purchase an investment property. They offered competitive rates so I thought, why not? It's an investment property and every lender credit/lower rate helps. 

The number of tasks you need to complete to get your loan reviewed is unending. You think you're done and then you receive a wave of new tasks. 

Fast forward, FOUR MONTHS LATER, closing was scheduled. All well and good until CLOSING DATE. 

CLOSING DATE -- XXXX - reached out to loan officer and he cloud not provide status. Promised to get back to me. Then I get a call at XXXX -- the terrible news -- " We can not close today because our HOA team just realized that the units sold/under contract in the condo building are not above 50 % '' " We need to get an exception from XXXX XXXX '' . 

SERIOUSLY? 

Me : Why was this missed? 
Me : What was your HOA team doing from the day I put in my application over 4 months ago? 
Better Mortgage : Oh our HOA team was not on top of it. It's our fault and we take full responsibility. 

Me : Am I the first customer that has experienced this? 
Better : No, it's actually happened at least once before. 

Me : So why the heck did you not put appropriate controls in place to ensure this does not happen again? 
Better :.. 
Better : ... ... mute.

Better sent me an email days later saying they will deny the loan request. 

THIS IS THE WORST BORROWER EXPERIENCE I HAVE EVER HAD. 

Unbelievable and shocking that a company that positions itself as a disruptor to the mortgage industry can operate in this manner. 

I opened another loan application with XXXX  Lenders - terrific company and I was able to close the purchase.
Product: Checking or savings account

i am XXXX XXXX holding saving account in Wells fargo bank account number XXXX XXXX XXXX in month XX/XX/year> bank sent me promotion if you open saving account with us keep {$25000.00} we give you {$520.00} promotion now they not provide me anything i went multiple time branch No answer in XX/XX/year> i went to branch brach officer said today saturday you have allready checking account with us open online when you come back XXXX will ad your this promotion coupon in account i keep in account {$30000.00} still didnt get anything in XX/XX/year> i inform to bank for make sure no fake promise they provide me complaint number and asure me you will recivred soon no need to worry still i am waisting my time too much on calls No satisfied answer wells fargo doing fake promotion & fake promostions complint Ref.. No. XX/XX/year>... XXXX Anyone can contact me direct XXXX
Product: Mortgage

I have a loan with Bank of America. We agreed to terms on a modification agreement, the agreement was supposed to start in XXXX, 2022. I made my payments during the trial period. I have proof of mailing that the modification agreement was sent to them. Bank of America now is saying they have no record of the agreement on file and my loan is in default. Bank of America is currently sending me paperwork for a new proposed modification agreement but the interest rate is substantially higher than the last agreement.
Product: Debt collection

I am writing to request the investigation and correction of a medical bill that appears on my credit report. The credit report number is XXXX and XXXX. 

The medical bill is listed under account number First Federal Credit C, and the account was opened on XX/XX/2020, and XX/XX/2020, by XXXX XXXX XXXX and XXXX. 

The amounts are {$940.00} and {$450.00}. 

This medical collection is inaccurate because I have emailed and sent certified mail to the company to verify and requested to send me a copy of my debt and I have received no reply. 

Please reinvestigate this medical collection and delete it as soon as possible. Thank you for your attention to this matter.
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 XXXXXXXX XXXX XXXX  XXXX XXXXXXXX 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: Student loan

I filed for a refund of payments made during the Covid pause on XX/XX/XXXX. I haven't received any updated balance or return of the requested refunds as of XX/XX/17.
Product: Credit reporting or other personal consumer reports

2023 I was reviewing my credit report when I noticed a new inquiry from a credit acceptance for a automobile for XXXX I filed a dispute. 30 days goes by the inquiry was deleted. I was sent a letter stating so. A few months go by I went to check my credit again. The same inquiry from credit acceptance where back on my credit report.
Product: Student loan

On XX/XX/XXXX, I spoke with XXXX XXXX from Transworld collection agency and he was rude and would not allow me to speak or ask questions. He specifically stated in my first call with him if youre not calling to pay, then you dont need to be calling. I called to make an arrangement to pay a SIF of {$5300.00} and I called on XX/XX/XXXX to advise that my check may not be available to pay the full settlement on this Friday due to my withdrawal n to pay this being a check that is in the mail. I do not have control over when I will receive this check in the mail. I then spoke with XXXX and asked that he reach out to the lender for an extension because I have every intention to pay the settlement of {$5300.00} when my check comes in that I have taken out to pay this loan off. This company acts as if they can not work with the consumer and makes speaking with them and paying this debt very hard. It feels like I am dealing with the mafia and they are making this process difficult.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of two collection accounts that have been reported on my credit report. I believe these accounts do not belong to me and have been incorrectly attributed to my credit history. I request that these accounts be removed from my credit report immediately. 

The accounts in question are : Account Number : XXXX Amount : {$1300.00} Creditor : XXXX XXXX ( name not listed ) Account Number : XXXX Amount : {$1400.00} Creditor : XXXX XXXX ( name not listed ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a ( b ), I am entitled to a fair and accurate credit report. I did not authorize or provide written consent for these accounts to be reported on my credit file. As such, I am disputing these entries under the following legal grounds : Inaccurate Information : The accounts listed do not pertain to me and should not be reflected in my credit report. Under 15 U.S.C. 1681i, you are required to investigate and correct any inaccuracies. 

Identity Theft : The presence of these accounts on my report may be a result of identity theft or other improper use of my personal information. Under 15 U.S.C. 1681c-2, you are obligated to take appropriate action to ensure that my credit report is not misused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is usually the lowest of a consumer 's 3 credit scores but they are the most difficult to retrieve a credit report from. In addition, they do not provide access to credit scores to individuals without payment. When applying for a mortgage, it often prevents approval because it is so much lower than the other two and the least transparent to the borrower. It appears that the credit reporting industry is unregulated and far too powerful in Americans ' lives. For-profit companies like this block home ownership and other opportunities from those that would benefit the most. All 3 major consumer credit reporting agencies should be required to provide credit scores along with the free annual credit report that is available. Equifax not only fails at doing this, but the annual credit report is notoriously difficult to access for most people. Security questions are often incorrect and requests by mail are ignored. What is the CFPB doing about this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found out that I am a victim of the Equifax security breach. As a result of this I wanted to put in an extended fraud alert. the company website does not give access to a phone number to do so without " becoming a member '' meaning they wish to collect even more information. The XXXX number for the victims basically verifies that we are victims but provides no other services. My attempts to call Equifax failed even after a total of 148 mins on the phone on 4 different occasions. Similar failures occurred in regards to placing fraud alerts with XXXX and XXXX as well. 

I am requesting that you contact these companies and have them provide us the assistance we need- we are victims of their greed and incompetence, and they have gone unregulated for too long. Please do help.
Product: Money transfer, virtual currency, or money service

PayPal has decided my account is at risk. So, they have decided to part ways with me while they hold my money hostage for 180 days. I am XXXX and live on a limited fixed income. A PayPal rep said she cant find out why. She put me through to her supervisor and she hung up on me. This is just wrong because I didnt do anything to warrant such. I use their service for XXXX and refunds, rebates offers. Thats it. I need to know why I am being treated this way. Maybe, if I identify as XXXX or some XXXX XXXX, I will get help from them. Such a disgusting, disgraceful so-called American company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had requested for an investigation with the three major credit reporting agencies within my rights under the Fair Credit Reporting Act. I disputed the accounts attached to this complaint and the credit reporting agencies claimed to have verified the accounts which also included a bankruptcy public record. I found the credit reporting agencies alleged verification as sketchy due to the fact that information was still reporting inaccurately for the disputed accounts and the United States Bankruptcy Court for the District of New Jersey has already confirmed that they don't furnish any information to any credit reporting agencies including XXXX but the three major credit reporting agencies claimed to have verified the bankruptcy with XXXX which is impossible because the bankruptcy has already been disputed and removed from my XXXX credit report. 

The three major credit reporting agencies stated that the accounts and bankruptcy was properly investigation but how is that possible if the account type is inaccurate and the bankruptcy reference number is not accurate. This is ground for removal as they violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy and under 15 U.S.C. 1681 section 604 A which states they credit reporting agency can not furnish information without my written consent. Also, the credit reporting agencies never sent me results for my dispute request and I had to get updates through my credit monitoring account with Experian but I never received anything in the mail.
Product: Vehicle loan or lease

I would like to report Santander Consumer USA as a predatory lender. I am in the process of paying off this loan in order to refinance. I tried to wire transfer the balance, but Santander Consumer USA claims they do not have a routing number or bank account number in order to do this. The representative also claimed that the only way to pay this balance is to have my bank issue a cashier 's check. 
In the meantime, I have been making daily cash payments at XXXX through the " XXXX XXXX XXXX '' option. The first problem I encountered was not being able to process payments in excess of XXXX per transaction. There is a XXXX fee per transaction, and when paying more than XXXX per day, payment is declined. Today I attempted to continue making another payment, and it was also declined. I called XXXX, and their excuse was that there is a monthly limit on payments. Last time I checked, that is illegal. Since this loan accrues interest on a daily basis at 24.03 %, it appears that this is also predatory in order to collect more interest on this loan. 
I would also like to start an investigation as to why XXXX is doing business with this predatory lender.
Product: Student loan

Navient did get me back some of the overpayment of my private loans garnished from XXXX and XXXX, but based on my calculations, I still was overcharged by at least $ XXXX. I was garnished for over 2 months with fees and some of this was not calculated into my refund amount from Navient. I contacted XXXX and XXXX XXXX named XXXX XXXX who basically responded " Matter is closed '' and I contacted Navient who said basically the same thing. They did, to their credit, refund me a check for $ XXXX and another for {$300.00} or so, but this did not take into account other private account fees, poundage fees and discharged accounts I should have been credited with. Originally, I had over {$12000.00} taken over the amount showing I owed on Navients website which means my $ XXXX calculation may be even lower than I calculated. I am not sure how they determine the fees, added fees and interest, but I know I have more money coming back. Some of this was also miscalculated loans discharged based on my XXXX score at the time it was originated and Navient has not taken into consideration the fact that XXXX XXXXXXXX was the one used as the basis and therefore I met the requirements, as XXXX XXXX as well as income level was far under the bar set.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 reporting or other personal consumer reports

The mortgage was on XXXX and the account was sold to XXXX XXXX and it was under assumption that that payments that was submitted and transferred to XXXX XXXX. I went to XXXX XXXX website had the payment scheduled to be take out as soon as possible on the XXXX and it wasn't taken out. I called them ask why the XXXX didn't occur and ask how to make the account current and I was told that I could update the account with their XXXX Payment which was {$6900.00} on XX/XX/XXXX including additional {$5900.00}. My regular payment is {$5900.00} which was paid on XX/XX/XXXX but for some reason it was reversed. The rep at XXXX XXXX never informed me that this would be reported as a XXXX. I did not request any XXXX As the result of being coerced into this XXXX XXXX which is something I was not familiar and never used. My mortgage account since I have owned this home for the past XXXX years has never been deliquent until that the rep from XXXX XXXX misinformed me. When I reviewed the statements it says " *The amount listed on this statement under " total amount due '' is based off your original loan terms ( or previously modified loan terms ) and will not reflect any trial modification, forbearance or repayment plan agreements. "