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

I attempted to settle a debt with credit collection services. I specifically asked them if the account would be removed from my credit report after settling, ie they would stop reporting it etc. They answered in the affirmative. However, it is still showing on my transunion report. Ive contacted transunion and they say they cant remove it, only XX/XX/XXXXcan. XX/XX/XXXX says only transunion can remove it, and they now say that theyve reviewed the call and that no one ever said that they would stop reporting it to the credit bureaus, but they will not let me listen to the call to verify. If, in response to me confirming that they would stop reporting it to the credit bureaus, they gave an obtuse and deliberately confusing reply that sounded like yes, and then they proceeded to not remove it from my report, then that is deliberately deceptive behavior in order to collect a debt. Ive settled this debt, I just want it removed from my transunion credit report.
Product: Credit card

Recently, XXXX is unable to schedule a recurring payment for a fixed amount other than minimum payment or for the whole statement balance. The minimum amount is too low to pay because you incur more interest charges whereas paying the statement balance may be too steep if you have a lot on your balance. Why can't we be able to schedule a recurring payment for what we consumers deemed affordable? Something that is definitely more than the minimum bur not as high as the statement balance. This practice recently started happening with XXXX of my credit unions-XXXX  and SchoolsFirst CU. About XXXX years ago, this was not a problem. I believe they changed the policy so they can make more money from you setting up a minimum payment and hoping you forget to make additional one-time payment. This is a very unfair practice. I have sent emails and called both banks. They said you can not do this yourself unless you call to schedule a recurring payment. I called to do this and the person helping me realized she even can not set up a fixed amount recurring payment. Kindly help look into this very unfair practice where customers are at the mercy of banks. Thank you.
Product: Checking or savings account

XX/XX/23 Account was hacked twice for {$1000.00} twice by the same person. Bank determined that first {$1000.00} taken was fraud, but said we authorized 2nd transaction. Bank alerted us to fraud when a third transaction, by same person, was attempted. We have provided multiple pieces of evidence to show we did not make nor authorize these transactions and it makes no sense to us how that bank could say one transaction by the same person was fraud but the other was not. They have refunded the first {$1000.00} but refused to refund the send transaction of {$1000.00}. Evidence provided are 1 ) Fraud alert from bank with same transaction name, 2 ) phone data usage that shows our phone were not in use at the time of the transaction, 3 ) fraud alert text from XXXX XXXX  on third attempt for {$500.00} from same person. 

Will submit all evidence upon request. 

Also, person in question has recently been arrested on other unrelated fraud charges, according to the person we were working with at our bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the Department of Education requesting a original signed promissory note exercising my rights provided by the fair credit Act section 609 States creditor has 30 days to provide you with the original signed document verified debt I have not received nothing from the Department of Education I have reached out several times asking for verification and after viewing my XXXX credit report I'm seeing a lot of inconsistencies amongst the three credit bureaus
Product: Mortgage

I have started to work on my Home equity loan with JFQ lending on XX/XX/22. We locked the rates at XXXX XXXX adjustable Home equity loan. I have submitted all required documents within few day and was assured by my loan officer XXXX XXXX that everything is fine and loan will be closed. My middle credit score XXXX was used for application process. I have some balance on my credit cards that I was able to pay once we started the process and I have sent all proof documentation to my loan officer. I have signed loan disclosure online. Disclosure was removed later from my online cabinet by JFQ lending but I have emails where my loan officer requesting me to sign a disclosure. 
Few days after signing in disclosure I have received another email that stated that we are under final underwriting. How ever JFQ lending had disappeared from that point. I try to reach then through phone or email. In a few weeks I got a phone call from XXXX XXXX where he told me that process is taking time but everything is fine. Then JFQ lending disappeared again. After some times I received a call from another person JFQ lending who stated that he is XXXX XXXX supervisor. He said that rates unfortunately went up and offer me to close at XXXX XXXX on the smaller amount of money. I responded that its they responsibility to provide me a loan at the rates that we locked but didn't get any sense from that conversation. 
XX/XX/22 I received an email from JFQ where they state that they still work on my loan and assigned me a new loan officer XXXX. After conversation with XXXX I was told that JFQ lending still working on my loan and my loan should get closed within XXXX weeks. 
How ever a few weeks later I received a call from XXXX. He told me again that rates went up and offer me XXXX XXXX to close. I was told otherwise my loan will get denied and rates already expired. I refused to go with higher rates and ask for denial letter with a reason for denial. Denial letter stated that I have an insufficient income even though the amount of loan was based on my income.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXXXXXX XXXX XXXX My correct date of birth : XXXX  My correct Social Security number : XXXX My correct address is : XXXX XXXX XXXX , XXXX, FL XXXX My employer is : XXXX XXXX
Product: Mortgage

Complaint : My loan servicer MID AMERICA MORTGAGE accepted direct payments from the CARES ACT in a lump sum for my mortgage payments in the summer of 2020, then reported late payments to my credit file with the national credit reporting agencies in XX/XX/2020. 

The actions of my servicer were intentional causing serious financial hardship to me and my family during a National crisis. Because of the administrative actions of my servicer, my credit rating dropped to less than favorable, triggering a higher interest rate and closing costs to refinance. Now I can not afford to refinance. 

Mid America Mortgage accepted taxpayer funds, assuring consumers they would not harm their credit rating. They mislead consumers causing more financial harm to already struggling American families. 


I have made contact with the company to no avail.
Product: Debt collection

To Whom It May Concern, I am filing this complaint against National Credit Systems , Inc. regarding their handling of an alleged debt associated with XXXX XXXX XXXX. This situation concerns account number XXXX, with a series of communications and evidence submissions dating back to XX/XX/2023. 

Summary of the Issue : Initial Dispute and Evidence Submission : On XX/XX/2023, I sent a final notice and reassertion of my debt dispute to National Credit Systems , Inc . This included substantial photographic evidence, sent via certified mail and email, showing violations of our lease agreement by XXXX XXXX XXXX, specifically under Florida Statutes 83.51 ( 1 ) and 83.53 ( 2 ). 

Evidence of Communication : On XX/XX/2023, I forwarded screenshots of the dated dispute letter, the certified mail receipt, and a photograph of the letter being sent. This was to ensure that there was no discrepancy in communication and to serve as an additional documented response. 

Failure to Address Evidence : Despite the clear and documented evidence provided, National Credit Systems , Inc. has failed to adequately address or refute the claims made. Consequently, I have reiterated that unless the agency provides a substantive rebuttal to the evidence, the alleged debt should be considered invalid. 

Demand for XXXX : I have repeatedly demanded that all collection activities, including any reporting to credit bureaus, cease immediately unless National Credit Systems , Inc. can lawfully rebut my claims. A written acknowledgment of the closure of this account has been requested within 15 business days from each communication. 

Given the above details, I believe that National Credit Systems , Inc. 's failure to properly address the provided evidence and to invalidate the debt is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). Their continued pursuit of this debt, in the absence of a proper rebuttal, not only disregards the evidence but also my rights as a consumer. 

This situation has caused significant stress and inconvenience, and I seek the CFPB 's assistance in resolving this matter fairly, in accordance with federal regulations. 

Thank you for your attention to this issue
Product: Debt collection

There is a collector by the name of M. Leonard & Associates reporting a closed account on my credit report that is not mine..I have repeatedly disputed this account to no avail.
Product: Debt collection

Regarding Federal Student Loan. In XX/XX/XXXX, the US Dept of Education told me if I paid {$350.00} per month for 18 straight months, the penalties and some of the interest would be removed from what I owe. I complied with the request and when the 18 months was up, I found there was nothing removed from the interest or penalties. I called them on the phone and they sold the loan said they sold the loan. I called the new loan servicer who stated " That has nothing to do with us. '' I was totally at a road block. Many things happened in my life that have been very hard to take on but then I started a job 13 years ago at XXXX. For the last several years, Immediate Recovery has been garnishing my checks for {$530.00} per month and if there are  three pay periods, {$790.00}. I have been late on mortgage since the garnishment and have contacted ICR several times trying to take it out of default as it still accrues interest all the time. Also they have my tax returns. Out of an {$8000.00} loan, I have paid approximately XXXX and still owe {$30000.00} which will continue to grow.I am not married, am by myself and feel there is no way out of this. They asked if I could pay lump sum of {$26000.00} which I can not do.
Product: Debt collection

I received a letter from a company called Convergent saying that I owed XXXX XXXX XXXX {$1200.00} back in 1989. I've never heard of this company nor have I done business with them.
Product: Debt collection

Debt was Discharged when I filed my Chapter XXXX Bunkruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently denied a lease for an apartment I'm assuming for the following reason. 

XXXX  is currently reporting : XXXX/XXXX XXXX XXXX account number # XXXX : Currently reports inaccurate balance or credit limit ; a violation ; as a result the entire account must be deleted immediately. 

: Currently reports a monthly payment amount after account has been closed. A violation : as a result the entire account must be deleted at once.
Product: Student loan

I have contact University Accounting Services multiple times through mail. I have requested a validation of the debt- I also sent the documents certified mail. XXXX has received my mail and then keeps emailing but is not emailing anything I have asked for. I have not got anything that I have requested. I have now sent an Affidavit of truth along with other documents to the company dated XX/XX/21. After continuing to get ignored I took charge and found multiple violations. I marked my exhibits and sent them in.

15 USC 1692 15 USC 1692 ( 5 ) 15 USC 1692e ( 2 ) ( A ) 15 USC 1692d ( 1 ) 15USC 1692e ( 11 ) 15USC 1692f ( 1 ) 15 USC 1692j ( a ) 15 USC 1692c ( 1 ) Since starting this process I have continued to pay because I do not want it to hurt my credit however it is getting ridiculous since I have asked for specific documents and I haven't received them, however I don't believe I should have to keep making payments. 

As of today the balanced owed is : {$1200.00}
Product: Consumer Loan

I applied for a loan with XXXX XXXX and had purchased XXXX vehicle during the month of XXXX 2014. I was told that I would be getting a good deal on the vehicles in which i purchased. I later found out that the interest rate charged for the loans at the time was almost XXXX times that of the average consumer for the credit score that I had and when I came back to speak to the finance manager. The dealership had let her go for fudging many of the loans and jacking up many customers interest in order to make a higher commission and she was no longer employed with the company due to her increasing many loans on the interest that some of their consumers were paying. The dealership as of today 's date has never contacted me and had i not inquired I would have never known the truth. When I applied my credit score was showing XXXX approximately and thought that I would get the lowest interest rate at the dealership offered but instead I received an interest rate that was nearly XXXX of that of the regular consumer. I am requesting an investigation on the lending of loans and services of this company based on the following Discrimination based on race, and color, gender for I was charged a higher rate than other consumers of a different race, gender or color I request an immediate investigation on the loans that were processed during the time that I applied and it will show this to be a everyday factor practice based on race and to investigate the transactions of this company and how they are advertising a certain price and then selling their vehicles for more than the advertised price. It is like a bait and switch on the consumer. Predatory lending has clearly been an everyday factor in order for the finance department to make a better commissions on the consumer who is not aware of how the process works. I was charged a higher rate for no reason other than greed. Fair and accurate transaction was not taken into account by dealership. Equal credit opportunity act has been was not taken into account. Gramm leach biley act was not taken into account. After purchasing the vehicle I was called back into the office to sign more paperwork again after the vehicle was in my possession for more than a month. I was told that it was necessary in order to get my military discount. I never got the discount on my vehicles and the price of the vehicles was sold for more than they advertised which I later found out from the XXXX ledger. I am still trying to figure out where is the discount and why was I charged a higher interest rate and why did the finance manager deliberately fudge my loan. consumers of a different race who have purchased from this dealership have lower interest rates than mine with lower credit scores than what I had when I purchased my vehicle. As of today 's date their is no discount, higher interest rate, higher price paid for vehicles and the military rate was applied later and went somewhere else for all I know. It is truly a shock to me to see a dealership do this to a consumer.
Product: Mortgage

In the beginning of 2021 PHH Mortgage allowed a government sponsored COVID deferment to our mortgage, at the encouragement of the PHH relationship managers. They suggested placing the past due payments, or deferred payments at the end of the loan. This would be a separate amount due after the mortgage balance was fully paid. Once deferment was over PHH requested a loan modification due to the COVID deferment. Signed papers were requested. PHH then would not accept the notarized signatures that were requested and sent by PHH. PHH then would put a time limit to receive the signed and notarized papers. This happened up to 5 times. In the midst of trying to correct the signature issues mortgage payments were sent to PHH, some were accepted, some were not accepted, then other times we were told not to send payment at all. Now after seeking legal assistance while PHH threatens foreclosure our attorney is struggling for clear dialog with PHH. They now are saying the mortgage is in active foreclosure. PHH is not willing to work through their own admitted errors by their underwriters and escalation department. Our attorney has made repeated efforts to work this out with them and PHH refuses to cooperate. This is resulting in added attorney fees while PHH is adding " delinquent '' ( We feel there is no delinquency because payments were paid as were due but not accepted by PHH at their instruction ) interest and/or fees that PHH will not explain. We feel like we have exhausted all efforts to please PHH Mortgage and are open to resolve but seem to be getting no where.
Product: Checking or savings account

On Saturday XX/XX/2022, I was selling an item on XXXX XXXX  when I fell victim to a scam. The scammer pretended to be interested in an item I was selling and asked to pay using XXXX. They got my email and began sending me spoofed emails from who I thought was XXXX. 
The email stated that the buyer had sent the payment using a business account. As a result, the buyer had to pay an additional fee for the payment to go through. They went on to ask me to upgrade my account and refund the buyer for the supposed upgrade fee. The scam email also pressured me to transfer the funds quickly if I wanted to receive the initial payment. Once I sent the extra funds back, I realized the scammer hadnt sent any money. I immediately called my financial institution, Midfirst Bank, to dispute the charges. I then called XXXX to let them know what happened. I also called my local police department to file a report because the scammer had my address. On XX/XX/XXXX, I went into my local Midfirst and signed the dispute paperwork as well as provided all the documentation from messages between myself and the scammer, all the emails I received, police report, and screenshots of all transactions. The same day, {$400.00} was placed into my account by Midfirst Bank. On XX/XX/XXXX the funds were removed back out of my account without any notice from the bank. I called on XX/XX/XXXX and spoke to a representative named XXXX to let him know that I would be filling this report with the CFPB due to their resistance of refunding these scam payments. He let me know I may or may not be reached out to by someone in the consumer complaint tracking service, but when asked for a number to their department and when I could expect to be reached out to he refused to answer. I believe I should be refunded the {$400.00} due to being a victim of a scam on an app they host and own as well as providing all the documentation that shows it was a scam.
Product: Checking or savings account

I got a letter from CapitalOne that my home number was changed on my account. Since I dont have any accounts with CapitalOne I was alarmed. 

When I called CapitalOne they said checking and debit accounts was opened few days back, fraudulently. They said they will close the accounts. 

When I requested that this be investigated they said they cant do anything more.
Product: Checking or savings account

XXXX XXXX Last four of social XXXX Account XXXX WELLS FARGO CHARGES UNNECCESRY FEES FOR OVERDRAFT PAYMENT, I HAVE A PAYMENT THAT WAS SCHEDULED XXXX, IT DIDN'T COME PUT UNTIL XX/XX/year>. WELLS FARGO ENDED CHARGING ME {$35.00} DOLLARS FOR A {$30.00} OVERDRAFT PAYMENT THAT DID NOT GET PAID, MY CREDIT CARD COMPANY ALSO CHARGED ME A RETURNED CHECK FEE. XXXX XXXXXXXX XXXX ONLY CHARGES {$10.00} AND XXXX XXXX XXXX CHARGES {$15.00} FOR OVERDRAFTS, WELLS FARGO CHARGES A WHOPPING {$35.00} DOLLAR FEE AND MY ITEM DIDN'T EVEN GET PAID. WELLS FARGO MUST BE LOOKED INTO FOR EXCESSIVE FEES. 

I HAVE BEEN A LONGTIME MEMBER GOING THROUGH HARDSHIP RIGHT NOW, IN XXXX XXXX AND WELLS FARGO CHARGES ME {$35.00}, THIS IS A LOT OF MONEY FOR SOME AND THEY REFUSE TO WAIVE THE FEE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, the following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 ( a ) states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 for convictions of crimes which antedate the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) states 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 may be inaccurate.
Product: Prepaid card

On the XXXX of XXXX this year ( XXXX  ) I received my tax refund for the amount of {$14000.00} on my brinks prepaid account, as at the time the deposit arrived I was XXXX  for over XXXX weeks, when I got out and attempted to login to my account I was puzzled to find out that the entire amount on the account has been spent fraudulently. 

I attempted to contact Brinks ( which is a subsidiary or Netspend ) SEVRAL TIMES but they kept taking me back and forth, I attempted the dispute online which they said would take up to XXXX to come to a full conclusion, XXXX has passed and nothing was done nor a refund. 


Right now I can't even log into my account because the online access has been restricted asking me to call.
Product: Debt collection

I have sent several requests to validate this account with no response. This is not my debt/account. This is a HIPPA violation without a legal contract in place. I have not received any validation from United Revenue Services. I am allowed under the Health Insurance Portability Act to protect my privacy and medical records from third parties. This company has not provided a copy of any documents with my physical signature with the provider of service to release my medical information Please remove from my credit report. Disputes has also been submitted. I am prepare for further action if this continues
Product: Debt collection

Portfolio Recovery has been recording my calls without my consent and they have been calling me after I asked them not to. I have attached all proof to this and I want the harassment to stop!
Product: Bank account or service

At the beginning of the 2016 tax year, specifically on XXXX/XXXX/16, I opened an HSA account with People 's United Bank ( PUB ). At the time there were paper statements, no service charge and no minimum balance requirements. During the 2016 tax year, specifically effective XXXX/XXXX/16, PUB imposed a {$1000.00} minimum balance requirement and $ 2 monthly service charges for amounts below {$1000.00} and for paper statements. I can contribute a maximum of {$4300.00} to the HSA. For any distributions the total of which exceeds {$3300.00}, a likely occurrence, I will be penalized with the $ XXXX monthly service charges. That adversely affects the supposed tax advantage of HSAs and discourages their use in violation of the public policy established by Congress.. To impose such penalties at all is unacceptable and to to so during the tax year is even more unacceptable.