23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is about Healthcare Finance Direct ( XXXX ). They were the payment processor for XXXX XXXX XXXX ( XXXX ) when XXXX was still in business. XXXX closed business/operations late last year. 

At that time, XXXX XXXX XXXX sent communication stating that services promised as part of the contract would no longer be honored. These services included ongoing access to XXXX, XXXX XXXX XXXX XXXX XXXX  ), and a lifetime guarantee for those services. They kept one singular page on the web stating that if you are on a XXXX XXXX  plan, which I was, to reach out to XXXX. 

I have made several attempts at contacting XXXX via email, phone calls, and certified mail requesting the name of who the creditor is now as well as a new addendum to the original contract. Part of the original contract stated that if there were any major changes to the contract, an addendum would be provided. Additionally, the contract expressly states more than once that XXXX is not the lender, but rather the payment processor and that XXXX is the creditor/lender/provider. 

After several attempts XXXX either refuses to provide the requested information, or they are choosing to ignore it. The only thing they've done is continued to threaten sending my account to collections and referring me back to the singular web page that XXXX put up which then just directs the user back to XXXX. 

The couple of times I've actually gotten someone on the phone, they proceed to threaten collection, argue, and continue to ignore the requests for the information mentioned above while also stating they don't know anything. 

The following is the dates of all contact attempts. 
Email- XXXX/XXXX/24, XXXX/XXXX/24, XXXX/XXXX/24, XX/XX/24, XX/XX/24 Phone- XXXX/XXXX/24, XXXX/XXXX/24, XXXX/XXXX/24 Certified mail- sent XX/XX//24 and signed for by a representative of XXXX on XXXX/XXXX/24
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XXXX REVCO   SOLUTIONS XXXX Reported : XXXX XXXX, XXXX + {$19000.00} Needs Attention REVCO SOLUTIONS XXXX Reported XXXX XXXX XXXX, XXXX + {$2500.00} Needs Attention REVCO SOLUTIONS XXXX Reported XXXX XXXX XXXX, XXXX + {$10000.00} Needs Attention REVCO SOLUTIONS XXXX Reported XXXX XXXX XXXX, XXXX + {$18000.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to  provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious REVCO SOLUTIONS XXXX Reported : XXXX XXXX, XXXX + {$19000.00} Needs Attention REVCO SOLUTIONS XXXX Reported : XXXX XXXX, XXXX + {$2500.00} Needs Attention REVCO SOLUTIONS XXXX Reported : XXXX XXXX, XXXX + {$10000.00} Needs Attention REVCO SOLUTIONS XXXX Reported : XXXX XXXX, XXXX + {$18000.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

Phoenix financial services has reported on my credit report on XX/XX/2019 and amount of {$230.00}. I have never been seen by anyone associated with this agency called XXXX XXXX. Phoenix financial services has not provided any valid proof of that bill or anything to prove this belongs attached to my credit report. In outbound call to this agency left me on hold for 45 minutes. This account debt does not belong to me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/2019 it showed up on my credit report, debt of XXXX. I contacted not only the credit collecting company but the originator of the debt and neither one of them had any information of me owning any money. So i said fix it, and they said they cant fix something they cant find, yet there it sits on my credit report. I disputed it and XXXX XXXX reported it as valid ... XXXX  .... Very frustrating. I would pay it .... Does anyone hear that ... They say there is nothing to pay.
Product: Money transfer, virtual currency, or money service

Account was hacked and XXXX payments were sent without authorization
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXX CXXXXe XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( 2 ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : # XXXX, 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: Consumer Loan

My husband and I were approved for a car loan from Lendmark Financial. We signed the loan documents and did what we were instructed to do, but the title was misplaced and we had to get another copy from the dealer. The dealer contacted the previous owner and it took the owner some time to give the dealer a copy. Once the dealer received the copy we processed the title immediately, but Lendmark Financial had to update their information with the Virginia DMV in order to get the title. Lendmark claimed they could n't get in touch with the DMV and did not know what to do. I got in touch with the DMV and found out what to do, sent the form to Lendmark and processed a title copy for the third time. I did not miss a payment and I kept open communication through out the entire process. Lendmark Financial placed a judgment on my husband 's and my credit report. When I called to see if the title was received they confirmed that they had it. I then asked if the judgment could be removed since we made sure the company received the title. The branch manager ( XXXX ) was very rude and stated that the judgment would not be removed until the loan was paid in full. I replied that there were no payments missed and reminded her that I made sure they received the title. I also told her that I was not going to pay until they removed the judgment. However, I am still current on the payments and she filed a motion to garnish our wages, even though we have not missed a payment. I have proof from my checking account and my credit report shows on time payments as well.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


Account : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent money thru my cash app to someone but it was the wrong person I asked them for the money back and tried to make a dispute with cash app and they told me they couldn't do anything
Product: Student loan

I made a total of XXXX payments to Mohela with the following amounts and dates : XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00} Per their recorded message when you call their customer service line, I am eligible for a refund of these payments as my account was placed back into an administrative forbearance during this time. 

I requested a refund in XX/XX/XXXX. I reached out to customer service on XX/XX/XXXX to inquire about the status of my refund at which point I was told that they had already processed my refund. I did not receive any refund. I have no record of a refund with the bank that I used to make the payments. I was told that they would look into the matter. I requested proof of the refund, but never received that nor I have received any update as to where my funds are. 

They have been holding my money, interest free since last year.
Product: Student loan

For MOHELA, stating that interest is accruing on forbearance. Based on the documentation, interest should not be accruing while SAVE is on forbearance
Product: Mortgage

The subservicing company I pay my mortgage to recently changed. 
I had been working really hard to find out how to do it. It felt like not providing me with the necessary or helpful information was intentional as time passed. I actually learned facts that were essential for the process from a friend. I was planning to have an appraisal done ( with XXXX XXXX XXXX XXXX ) to cancel the PMI when I was notified of the change. The new company, LoanCare, LLC is ignoring all my requests. They say they did n't receive my initial email request and subsequent emails are bounced back as undeliverable. I have yet to speak with anyone but a receptionist who disconnects calls when transferring to insurance dept. They say all over their website that multiple inquires may prolong the process. Yet the process never starts. I believe this is intentional. I 'm sure XXXX people like myself are eligible for PMI termination. But this is free money for them so OF COURSE they do n't want anyone to cancel it early, never mind helping them to do it by providing information. 
I am really really angry. I HAVE NO CHOICE about who I pay my mortgage to. And they know it and treat their customers like garbage.
Product: Debt collection

My wages have been garnished, by XXXX XXXX XXXX contracted thru E.D. gov. Unfortunately I was never notified of the garnishment process, or given the chance to dispute or voluntarily offer repayment, agency claims they sent a letter in XXXX of 2017, I honestly know that I did not receive a letter, actually I never even received a warning of garnishment from my employer either. I feel I was not offered a chance of repayment arrangments now that I 'm able and employed to do so, the Education department states that the agency will make numerous attempts to collect the debt or make options available, but in my case they did not, and I feel that they make false attempts and skip straight to garnishment process so that they get their money with out the process of making options available, so in reality they fraud the Education department with their claims of attempts to collect and they fraud people like me by not notifying me or giving me the chance at repayment options before consuming 15 % of my pay, I take the blame for being in this situation but still I was shafted by the process.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the listed account from my file. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

We requested and Bank of America sent us a check on XXXX/XXXX/2016 for {$4000.00} which we deposited in our checking account in another bank. Approximately a week later a BOA representative called to tell us that this check had printing errors, it will not be paid and that a new check will be issued and sent. We finally received a replacement check today XXXX/XXXX/2016. In the mean time our checking account was overdrawn and we are accruing fees for overdrafts and returned checks not paid due to insufficient funds. In multiple follow up calls, while BOA representative XXXX XXXX finally acknowledged the situation and stated that we will be reimbursed for any fees we were charged as a result of this situation, the resolution of this issue is with their legal department and refused to provide a document that the negative consequences were the result of BOA 's error. To make us whole we need to have a document that explains what happened so that we could forward it to credit bureaus and to others to whom we made payments that were refused due to unavailability of funds we relied on. Their requests of fees for returned checks will also need to be honored and paid.
Product: Checking or savings account

I 've had a Chase credit card for a few years, never late. I opened a checking account 2 days ago and they now have closed the checking account and my credit card account. They did this a few years ago too. I can get to answers as to why. I have not defaulted, I have not deposited cash, I am not money laundering or gambling or overdrafting or anything else. I have 2 other checking accounts but there is a Chase close by so for ATM purposes it would have saved me . It was fine that they closed my checking, I had never had the chance to even use it but to close my credit card too ... rude. Please help, it 's been years and I 'm blacklisted by Chase and can get zero answers from the company ... only that they have the right to close my account ( s ) with no explaination.
Product: Student loan

XX/XX/XXXX - I called Navient, the student loan holder of my loans, to make a payment and allocate a majority of the payment towards one of the two consolidated loans I hold with the company. The representative I spoke to informed me that I was not allowed to allocate payment, and that what you pay, and how it 's preset, is how it 's supposed to be set up, and that I can not change or request to change that. 

XX/XX/XXXX- After reviewing the XXXX Dept. of Justice lawsuit of Navient, I learned that my previous interaction with Navient, and what I was told about allocation, was incorrect. I called to have this rectified, and at first, asked if I could ungroup my loans as stated on their website here : https : //www.navient.comXXXX First, the representative told me that I can not ungroup my loans unless I un-enrolled in online billing. I said, " Fine, please un-enroll me in online billing. '' After I submitted that request, the representative then told me that I, in fact, can not ungroup my loans because they are consolidated. So, my first request was unfulfilled, and I was led to take an unnecessary action ( un-enrolling in online billing ) that literally accomplished nothing. 

Second, I asked again if I was allowed to allocate my payments towards the exact loans that I want. The representative told me that I was allowed to do that - rendering the information I received in XXXX as incorrect - but with a caveat, that I need to call, make a payment over the phone with a representative, and then ask for it to be allocated the way I want it to. 

After this interaction, I asked the representative to note my account, and to note that I was filing a complaint with CFPB for the incorrect information I had for the last 5 months. I 'm also filing this complaint because I find this company to be untrustworthy and purposely giving misleading information to consumers in order to maximize their profits. 

Please investigate.
Product: Student loan

I work with FedLoan Servicing for repayment of my loans. They send me e-mails every month reminding me that I have to make my payment. However, I 've noticed they 're very sneaky when it comes to re-certifying my income based repayments and PSLF status. They sent one single reminder in XX/XX/2016, three months before I was due to re-certify my IBR plan. They did n't remind me at all to re-certify my PSLF plan. I believe these are deceptive and intentional practices made in an effort to A, cause me to lose my IBR payment plan, thereby causing me to have to make a substantial payment or else use forebearance, and B, to keep me from having my PSLF loans dispersed. Otherwise, why give me only one brief notice 3 months prior to a due date and not give any notice at all for my PSLF plan 's expiration? As I said, every month they remind me I need to pay. But when it comes to limiting my payments or alleviating the expense of my payments they are quiet. To me this is a deceptive practice. I should receive monthly reminders up until my plans expire, just as I receive reminders that a payment is due. Because I missed the IBR re-certifying deadline they wanted me to make a payment that was 3 times what my income-based payment plan would have been. Had I not taken my own initiative to re-certify my PSLF plan, my loans would be delayed in being dispersed.
Product: Payday loan, title loan, or personal loan

I applied for a Personal Loan with the XXXX XXXX XXXX " Citizens One Loan XXXX '', back in XX/XX/XXXX. I was approved for the loan. I paid off the loan XX/XX/XXXX. Originally I was told that I would be billed through the XXXX XXXX XXXX XXXX, and every payment would be reported to the credit bureaus. Now that I have paid off my Personal Loan in advance, Citizens One ( Citizens Bank ) is refusing to notify the credit bureaus that the loan was satisfied in good faith. And they make it very hard for you to pay them. The payment options are unjust and should expand. The financing company refuse to be linked to other banking institutions, refuse to give the customers their payment address and contact information in order to pay through the customer 's banking institution. ( Unable to make payments through the customers BILL Pay Option ). They lack transparency. Now Citizens One aka Citizens Bank informed me that they only report late payments to the credit bureaus and they are no longer reporting when a Loan is paid in full! This is unfair and unethical. My timely payments should reflect on my credit reports.
Product: Money transfer, virtual currency, or money service

Bam Trading Services Inc. ( DBA Binance.us ) held my wire deposit since XX/XX/21 without any proper explanation. There customer service is only available through email tickets. Their last response to me was XX/XX/21 asking for more information which I supplied immediately. A domestic wire is suppose to be same day, it's now 20 days. 

Their ticket number is XXXX
Product: Debt collection

XXXX XXXX  is on my credit report twice, total amount {$1800.00} Portfolio recovery is on my credit report twice, total amount {$2400.00} XXXX XXXX XXXX in on my credit report 3 times, total amount : XXXXXXXX XXXX XXXX XXXXXXXX on my credit report.total amount {$2100.00} i have no knowledge of these of these debts, i have had my identity stolen 3 times in the past 3 years.
Product: Mortgage

In XX/XX/XXXX I applied for a home improvement project ( cost {$19000.00}. ) with XXXX XXXX who automatically sent me to Goodleap for the home improvement loan. I was not given the choice with another company which rates are more competitive. 
The project was to have the final inspection on XXXX XXXX, XXXX but the project didn't pass inspect with the city. 
I communicated with Goodleap that the project failed inspection but they still wanted payment of loan with interest rate. They stated the equipment was installed and didn't matter whether the project passed inspect or not. 
I have contacted XXXX XXXX to try to get the inspection corrected on a timely manner. They are not communicating that the project is not complete.