23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First time I found this company was trying to collect on this debt it was on my credit report. Never received a phone call or bill because this is not my account. This is a fraudulent account. Set up without my knowledge or permission. Advised XXXX the customer service rep of this company Franklin collections. She was rude would not listen she only wanted to talk would not me explain my side of the story. Told me I need to file a police report and press charge. I dont have any info about the account. All I was given was the address that they have added to my credit report. I have been at my address over 30 years! XXXX XXXX XXXX XXXX XXXX Ca. She talked to me like a child! Telling me to listen! Very rude and condescending. When I asked her to send me the paperwork to fill out she disconnected the call. Very unprofessional and rude. Will not be calling back, obviously will not be able to resolve the matter.
Product: Debt collection

XXXX XXXX XXXX chapter XXXX bankruptcy attny XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the worst! I have been trying to obtain my credit report for months. I have called and spend countless hours trying to fix this. Most of the time when I call, the system is updating and this is DAILY! They have my report and no one can access it. I am trying to refinance my house but my Equifax report is nonexistent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to insufficient customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I initiated a transfer of {$25000.00} from XXXX by Goldman Sachs to my XXXX XXXX Savings account. This transfer was rejected and reversed. When I called to see why, I was notified that since the funds haven't been in my Marcus account for at least 90 days, I can only transfer the funds back to bank where they originated from ( XXXX XXXX ). I never agreed to this when I first opened the account. Also in the Marcus app, the funds are stated as " available to use ''. I believe this is deceptive because the funds are not available for withdrawal. They can only be returned to the original bank.
Product: Vehicle loan or lease

07 XXXX XXXX XXXX Purchased : XX/XX/XXXX Financed : {$15000.00} Original lender : XXXX XXXX XXXX XXXX ( XXXX ) Int. Rate : 24.99 % Term : 72 months Pmt : {$430.00} Military orders sent in & applied to the account in XX/XX/XXXX. 
Int. reduced to 6 % & pmts dropped to {$280.00}. 
-- -Loan sold to Santander around XX/XX/XXXX. 
*closing balance with XXXX was {$13000.00} *1st statement from Santander showed the balance was {$14000.00}. 
-- orders were only valid for one year. XXXX nor Santander ever adjusted the loan int/pmt back to the original amount. 

This loan was supposed to pay off in XX/XX/XXXX. Balance was still showing on the statements as {$13000.00}. When requested about it in writing, Santander sent over a " loan revision '' to reduce the balance and pmts, stretching the contract another 2 years ... paying a total of 4 years past the maturity date. 

Loan revision matured XX/XX/XXXX. I wrote them again in XX/XX/XXXX, demanding my title and a refund of what I've overpaid them ( at that time, I had overpaid according to the " loan revision '' by {$1900.00} ). They responded by still demanding payments, and attempting to repo 4 times. Since XX/XX/XXXX, there have been an additional {$2100.00} in payments, bringing the total overpayment to {$4100.00} ( since the revision ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery changed the status of an old account from closed to open as retaliation of my dispute i XX/XX/XXXX. also the information they provided as proof of debt is not sufficient, I requested copies of any charges I made with said car, and all they have is an old letter from XX/XX/XXXX from the original creditor telling me that I am 6 and 7, months behind on the account and that it is charged off. this does not verify it is my account and the same letters are showing the account as being charge off, yet no evidence that I used this card or have knowledge of it as I currently have  accounts with XXXX XXXXXXXX. So it is reporting by portfolio as open yet on my credit file in XX/XX/XXXX and XX/XX/XXXX they reported it as closed, so now they are trying to retaliated against me as they he promised to cease all collection activities on this account thus as it is uncollectible it should be reported as closed as it was before I disputed it.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Your agency is in violation! 
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 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: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. Equifax, XXXX, and XXXX are stating that " inquiring are a factual record of file ''. How are these inquiries factual when I have no account. Furthermore, they have no knowledge of me doing businesses with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries. Frade Alert has been placed on my report now as of XXXX. 

None Account Inquires -XXXX XXXX ( XXXX/XXXX/XXXX ) - XXXX XXXX XXXX/XXXX/XXXX ) -XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) -XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX Federal Credit ( XXXX/XXXX/XXXX XXXX XXXX Team XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX/XXXX/XXXX ) - XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Auto ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX/XXXX/XXXX )
Product: Credit card or prepaid card

Hello, In XXXX of 2016, I received a phone call from Navy Federal CU/Credit card division that they were offering me a special to bring my account current for two months and that in XXXX my account would go back to its current amount due. I had lost my job earlier that year and was having a hard time finding another one. In XXXX, when I went to make my payment ... .the account was still past due and the representative told me that she could not honor that agreement. I asked what was going on and basically I could n't get an answer. I was confused by no-one helped me. Instead, they closed my account and brought the entire debt due. It 's disappointing because I had other credit card companies that worked with me every step of the way and got paid off. Of course, this has negatively impacted my credit.
Product: Student loan

I attended the XXXX College of XXXX ( part of XXXX XXXX University now ). Then XXXX, now Navient, refused to release my cosigner due to a " failure '' to make " 24 consecutive principal and interest payments, in the first 24 months '' when I have proof of more than 24 on time payments in that timeframe, with the only issue being that every XXXX payment, after beginning repayment, was only applied to principal by XXXX XXXX, thus disqualifying me from ever being able to release my cosigner. This eschews the fact that also, because they had misinformed me, I was paying DOUBLE what I was required to. This was fortunate in the aspect that it got me roughly a year ahead of repayment schedule, and was a boon when my car broke down, giving me some breathing room, but it still did not favor me when trying to release my cosigner. 

Later, after my loans were handed over to Navient for servicing, they changed the qualification of my " cosigner '' to a " co-borrower '' without any sort of paperwork etc. needing a signature. Now, because of this, my student loan debt is being assessed as debt to my cosigner, and preventing them from financial pursuits such as mortgage refinancing etc. because they now appear to have significantly more debt than they so. 

Lastly, a word of caution, when I consolidated my XXXX XXXX XXXX loans into XXXX consolidation loan for easier repayment, they converted the loans from Federal loans to Private loans, thus removing my ability to act upon special federal provisions and laws that would help me. I do not recall and explanation of this change occurring, nor did myself or cosigner receive any paperwork alerting us to this VERY significant change. It was years before I saw the change reflected on the Sallie mae servicing site, and not with them being sent to Navient for servicing, I fear there are simply too many levels of convolution ( not to mention corruption ) to adequately deal with any of these issues. 

In general, my payments have always been on-time, with the only significant lapses being the end of 2015, when I eventually defaulted in XXXX. I was out of work, not even able to pick-up odd jobs, was struggling to find a job which was going to cost me more in childcare than I was going to be paid, I had already a year or so prior, cashed in any retirement funds I had, and while my wife is paid a decent wage, it was n't ( and still is n't ) sufficient for our household of XXXX to survive on. But that default lead to a year in Navient 's rate reduction program, which coupled with me finding gainful employment, has allowed me to actually afford their payments, but beginning again in XXXX, I return to the XXXX higher interest rate and a {$100.00} increase in payment. I will thus be breaking even at best each month, so no savings or hope for travel, extra retirement, new cars, new house, or really any other expense aside form the bare necessities of modern life.
Product: Credit card

See my original complaint. When you made your inquiry, they credited the fees but have yet to give a final response. Just yesterday, they went ahead and charged fees again. THERE IS NO BASIS FOR ANY FEES OR INTEREST. This account has been paid early for 100 % of the extended credit. This is fraud. This company is ridiculous. Theyve deleted my fees twice admitting wrongdoing. Theyve gone back and manually recharged fees again twice. They are 100 % not helpful when called, and their chat channel refers you to call. See my last complaint please.
Product: Mortgage

Re : XXXX XXXX, XXXX XXXX XXXX Case # XXXX XXXX XXXX XXXX XXXX NJ XXXX To Whom It May Concern : Please be advised this is a letter I sent to XXXX XXXX XXXX  regarding their foreclosure against my mother : You have sent my mother paperwork to explain why XXXX serviced by XXXX should not foreclose on her property referenced above. As previously explained to you months ago in the attached letter, my mother is the victim of elder abuse. She is currently residing in XXXX XXXX XXXX XXXX NJ in the XXXX XXXX. As previously explained to XXXX and XXXX, I recently discovered that my brother, XXXX XXXX, has been victimizing my mother for several years. He has drained her bank accounts. This matter has been referred to the XXXX County, NJ prosecutor 's office, and they have taken the case. 

If XXXX had exercised even the slightest diligence, the above referenced loan would not have been originated. If XXXX had run a credit check on XXXX XXXX, XXXX would have discovered that XXXX XXXX has been defrauding creditors for years. I discovered that he ran up debt on my mother 's credit cards, then took out this loan against her property to further defraud the credit card companies and XXXX. 

XXXX has asserted that it was relying on a valid Power of Attorney issued to XXXX XXXX. However, my mother revoked the POA given to my brother because she issued one to me after the one given to my brother. Therefore, any actions taken by my brother under the POA were invalid. Again, if XXXX had done any diligence on my brother, XXXX would have discovered his credit history. A copy of the POA issued by my mother to me is enclosed. You will note that it is dated after the one issued to my brother. Please note that on information and belief, my brother has fled the country. In addition, he is over $ 17K behind in his child support payments. 

I have put her house up for sale. She needs the proceeds from the sale to pay for her care in the XXXX XXXX. XXXX 's fraudently originated loan will leave little if anything to pay for her care in the XXXX XXXX. We would hope that XXXX would see fit to investigate its origination decisions and practices related to this matter. In addition, we hereby request copies of all recordings relating to the origination of the loan as well as copies of all documents related to the decision making and underwriting documents related to this loan. 


I would appreciate your help in pressuring XXXX XXXX XXXX with restitution for this matter. " I believe that XXXX has engaged in predatory lending with respect to my mother 's loan and together with XXXX has engaged in unfair, deceptive and abusive practices in violation of both federal and state law. Such lack of diligence in the origination with the intent to take the assets of a defenseless elderly woman are beyond the pale of decency. '' Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX
Product: Checking or savings account

I asked capital one when my funds will be available they said that they can not give me a time frame, I also asked capital one to issue me a check in the meantime. They told me the money isnt there in order for them to issue me a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus continue to report a bankruptcy on my credit report. The information is inaccurate and I can not get it deleted. I have attempted to dispute with the three major bureaus, they pass me to the data furnisher ( LexisNexis ) , LN then passes me back to the court, the court refers me to the credit bureaus. 

It is a horrible circle and very frustrating. I just want the bankruptcy and accompanying erroneous information about me deleted. The XXXX was never filed, yet they continue to report that it was on my wife and my credit reports. 

Please help us.
Product: Mortgage

My former mortgage lender was XXXX, On XX/XX/2019 I received a letter of notification from XXXX that they were transferring my loan to LoanCare , LLC with instructions on where to make payments as of XX/XX/2019. 
I followed the instructions, however, I was surprised to receive a letter from XXXX in XXXX informing me they did not receive my payment. I called them immediately and after some research on their part, they discovered my XXXX payment and gave me a new loan #. I entered the new loan number and in XXXX I paid my mortgage with the new loan number and correct address. 
Now today, I was shocked to receive a letter informing me that my mortgage pmt is two months past due. Again I called immediately but no matter how many times I followed their automated phone instructions to reach a representative, I was bounced out of the system. I am of course, furious. 
I am XXXX y/o, my husband passed almost two years ago and I am struggling to take care of a house and all the responsibilities alone. However, I am doing the best I can and have been diligent about paying my mortgage payment on time. This is so unfair and unacceptable. After checking online, I see that LoanCare llc has a number of complaints against them and I can see why. I do hope you can assist me in resolving this unfortunate situation before it affects my credit. Thank you so much! XXXX XXXX
Product: Debt collection

The company Halstad keeps contacting XXXX XXXX without my consent and leaving messages after he has stated that I do not reside there and to not call.
Product: Checking or savings account

This complaint is against Wells Fargo Bank, their way of doing business, and treatment of Customers. And last but certainly not least- as their record / reputation validates- being an easy target and Gold Mine for identity thieves. Both Wells Fargo and the identity thieves have opened accounts in my name, and without my authorization. I cant get into my account, because I didnt open it. And to make matters worse, Wells Fargo will not help me get into my account, which is opened in my name, by utilizing my personal information. As stupid as this Sounds, it is so true. And Wells Fargo is the expert in giving the run-around,
Product: Debt collection

The credit agency XXXX XXXX XXXX after several request have not verified this account to me. I speak to them on the phone and they have no information they stated for me to speak to their attorneys. If they have no information on me then how are they reporting and verifying it to the credit reporting agencies? The credit reporting agencies claimed they investigated and the account is verified. I have no knowledge of this account and they can not and will not properly verify this account as belonging to me with a signed authorization of me acquiring this account. They have also brought a false Judgment against me for this account that I have no knowledge about. Please assist me. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX XXXX {$190.00} XXXX XXXX XXXX   {$1500.00} XXXX XXXX XXXX {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In spring XXXX, I began contacting XXXX to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late. XXXX either switched auto-pay systems or upgraded, I do not recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every time I called XXXX, the customer service rep would tell me that my balance was XXXX. I received another round of calls/mailings offering assistance, called XXXX " balance XXXX ''. Several times, I did this. I suspected that the calls/mailings were some type of identity theft issue, like the kind XXXX XXXX and XXXX XXXX XXXX previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however, XXXX sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus. <P/>I was so exhausted dealing with XXXX, and in disbelief that they would not correct/reverse the erroneous report { to the credit bureaus }, I did not know what to do. I did not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other 19 accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over XXXX XXXX  I was clearing out a box of documents to shred and came across the forbearance approval letter from XXXX. Once again, I am hoping to correct this error to ensure that my credit score is updated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in full.
Product: Checking or savings account

I opened my account a few weeks ago and received my card last week. Today, I went in and transferred {$980.00} with XXXX to meet some of the requirements for the checking bonus offer. I then transfer half of the money back and my account instantly gets blocked. I called and got bounced around and once I got to the fraud department, the rep informed me that they couldn't verify my account because the phone number I provided is not on the account, even though it's the same phone number I opened the account with. I asked to speak to a supervisor who hung up on me. I called back and get the the risk department again for them to tell me they needed to verify the transfer and it would take another 24-48 hours. They are holding my money and regardless of my verifying my account multiple times, they are holding my money for " Verification ''