23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXXXXXX XXXX  XXXX, I was contacted by a so called law firm by the name of XXXX XXXX that was trying to collect a debt from XXXX for XXXX XXXX XXXX  XXXX I was already in the process of paying off all my debt so I figured this debt collection was legit. I paid {$140.00} every month for a year. It ended up being a scam after I so called paid it off. I asked for the original paperwork to try and get my money back from my back but they could not provide the paperwork because they were/are scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bk chapter XXXX in XX/XX/XXXX// my car loan at the time was 4 payments past due. In XX/XX/XXXX I paid and caught up the loan to keep the car. I signed a reaffirmation agreement with gm financial XX/XX/XXXX. They reported it as included in bk. I disputed for the account to be updated properly. Gm financial approved for it to be removed from my credit bureau. This is not what I asked for. Now have no records on my credit of ever having the loan. It originated in XX/XX/XXXX. Gm has still yet to resolve the reporting issue. They say the have no resolution and are unsure of when they will. I am about to pay off the loan. The give me the run around and candid answers when I call, about getting up to date statements and getting it reported. The only proof I have is bank account records for payments that have been made. I want to pay this off and stop accruing more interest. I have been trying to settle this since XX/XX/XXXX. I also have called every month since XX/XX/XXXX to get this resolved and I get told its being fixed, then again un XX/XX/XXXX getting fixed, XX/XX/XXXX getting fixed, XX/XX/XXXX its getting fixed, XX/XX/XXXX and nope sorry having technical difficulties to get it reported correctly, ever since XX/XX/XXXX still no answer. BK discharged XX/XX/XXXX
Product: Credit card or prepaid card

in XXXX of XXXX my interest free promotion ran out on a XXXX clearance item my balance at that time with interest applied was XXXX i have always made my minimum payment on time and now today XX/XX/XXXX my balance is now XXXX how id that even possible i have always made my payments on time and my balance has gone up to almost twice the amount of the item purchased 3 years later im pretty sure that 36  mos at XXXX dollars a month is XXXX so how in gods name is my bill still XXXX i am getting robbed blind by synchony bank and value city furniture
Product: Student loan

I have a student loan with navient. The loan is in charge/off status due to none payment. In XX/XX/XXXX I talked to a customer service representative and gave a {$1200.00} payment. Then after I make two {$42.00} a month until account is settled. The customer service rep assured me that this account which was opened in 2004 would be deleted from credit report. This has not happened yet .I even sent a goodwill letter to the company and they still will not do what was promised to me.
Product: Mortgage

Applied for a loan with excellent credit score, stable work history, and 6 plus figure salary. Wanted lowest interest rate because of excellent creditworthiness. Received instant approval from multiple leaders who were competing for my business. Decided to go with quicken mortgage because of excellent rate. Completed process and loan approved. Once home appraisal was completed and loan was ready rate and points changed. Leader promised to correct problem and I refused to go to closure until this was resolved. As a result of this position quicken made the appraiser adjust appraisal report to prevent me from getting loan. Apparently after a long battle to correct the interest rate and points problem they reach out to the appraisal company and had them to make adjustments to lower the value of my appraisal report which prevented seller from selling property to me. The appraisal that was initially sent listed property value at XXXX after the back and forward of correcting interest rates and points they had it lowered to XXXX which is way below market in area. THe mortaage company is working with appraisers to defraud customers. Had to work behind scene to get to the bottom of what was going on. It Took me a while to get reports but I have the proof of this fraudulent activity. Also I was able to get the same home from another lender with a new appraisal that was almost the same price as the original appraisal of XXXX and XXXX higher than the fraudulent one of XXXX they made appraisers adjust. They are not independent organizations. They are working together. Took me 6 months to get information but Now that I have proof, I will be contacting XXXX. I was told to take this step first.
Product: Checking or savings account

On XXXX fraudulent charges occurred on a checking account my husband and I have with Wells Fargo XXXX I completed all the necessary steps and received a provisional credit from Wells Fargo amounting in {$2000.00} in early XX/XX/2024. On the night of XXXX XXXX I discovered that Wells Fargo rescinded the provisional credit of {$2000.00} with absolutely XXXX warning, no text alert, phone call or email. My account was left with approximately {$11.00}. The following day a very vague letter arrived via USPS, but it was after the fact. To this day, I am still fighting with Wells Fargo over the fraudulent charges, but wanted to file this complaint because of the way this horrific fraud has been handled. I feel with todays technology my husband and I should have received a fair warning that such a large amount would be taken out of our account. I get petty notifications for everything else, but not this. (?! ) Wells Fargo should be held accountable, and I dont know how that works out, but what they did and are continuing to do to my husband and I is completely unacceptable, stressful and frightening. We have XXXX XXXX kids to take care of and {$2000.00} means a lot to our family. Additionally, fraud occurred on my personal Wells Fargo credit card simultaneously as the personal checking fraud, but Wells Fargo took care of and honored the credit card fraud with XXXX issues ( thus far ). We are having a difficult time comprehending how fraud that occurred on the same night, at the same time, and one has been taken care of, but the other they are giving us an extremely hard time. Wells Fargo investigation process is baffling.
Product: Debt collection

In  XXXX    XXXX  , I was contacted by  XXXX   XXXX   XXXX  of  XXXX   XXXX , CO through their  XXXX , AZ office indicating that they were representing   XXXX   XXXX    XXXX  regarding a loan that I had with Prosper Funding, LLC that was purchased by   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX  proceeded to violate multiple sections of the FDCPA and Colorado FDCPA as well as numerous Illinois consumer protection laws regarding debt collectors. Specifically,  XXXX   XXXX   XXXX  called my employer  20 times in one da y and when I did not timely return a message that was left, the collector called every member of the executive management team at my place of employment and left messages on each persons voice mail to contact  XXXX   XXXX   XXXX  regarding a matter concerning me. A message was also left on the HR Mgr. voice mail to call regarding an issue with my payroll. I was threatened with wage garnishment and the debt was disclosed twice to my  Mother  who is not a responsible party to the loan. After numerous emails asking the agency to stop calling me at work and being ignored, I finally submitted a cease and desist request to the owner of the company and threatened to sue them for the FDCPA violations. The matter was referred to the corporate attorney  XXXX   XXXX   XXXX  who subsequently offered me a cash settlement of {$1000.00}. I rejected the settlement offer and requested that the issue of the debt be resolved.  XXXX   XXXX  informed me that  XXXX   XXXX   XXXX  nor he is no longer handling the account and that it has been referred back to   XXXX   XXXX   XXXX   XXXX  ho now owns the account and that legally he nor  XXXX   XXXX   XXXX  can discuss the account with me. I have sent  XXXX  unanswered emails to   XXXX   XXXX   XXXX   in an attempt to find out who is handling the matter in an attempt to address not only  XXXX   XXXX   XXXX  and their abusive collection tactics on behalf of Velocity but the debt and its disposition. No one will respond to me. I contacted  XXXX   XXXX   XXXX  by phone who identifies himself as the Compliance Officer at  XXXX   XXXX ,  XXXX  and he claims that he needs to confirm from  XXXX   XXXX   XXXX  that they are no longer handling the matter before he can discuss it with me. I gave  XXXX   XXXX ,  XXXX  more than 10 days to confirm that and contact me and they have not done so. If   XXXX   XXXX   XXXX   refuses to address the issue of the debt with me and the abusive and illegal collection tactics of their collection agency with me, I believe that the CFPB should intervene on my behalf and also take discipline actions and monetary sanctions against  XXXX  and  XXXX   XXXX   XXXX .
Product: Mortgage

PHH is forcing Mortgage homeowners in NEVADA into Loan Modification by delaying the company approval of XXXX funding is being sponsored through DEPARTMENT of TREASURY. 

PHH has had atleast 6 months to process the XXXX XXXX XXXX XXXX XXXX XXXX and its look like they will not be completing this process this year! 

What is PHH motive? What states have PHH completed the Process? Why is it taking PHH 6 months to process the agreement? 

CFPB needs to do an internal investigation as to what is going on with this process and to see if PHH is deliberately holding up the completion of SERVCING PARTICIPATION AGREEMENT.
Product: Checking or savings account

On Friday XX/XX/XXXX, TD Bank wrongfully withdrew funds from my checking account, froze my account and was very difficult and rude when I demanded to know why. In the end there was a subpoena for someone with the same name as me so instead of checking to see if they had the correct person they simply withdrew the funds and froze the account. 
It took almost the whole day to correct this and TD did very little to help. People on the phone were rude and withholding and we had to ask multiple times to see the subpoena before they would send it over. 
A branch manager had to try multiple times to get to the right person to unfreeze the account. They didn't even want to unfreeze it as they said we had to go through the lawyers of the company suing the other guy with the same name as me! Why would it be MY responsibility to fix THEIR mistake?? I don't know these lawyers and what if they don't talk to me? 
I had to miss an entire day of work, had to pay a babysitter, and it caused a lot of stress. Eventually we got the money back but the whole situation was absolutely outrageous, unacceptable and TD Bank handled it so poorly.
Product: Credit card

I sent a letter explaining the situacin, they just dont want to removed or accept my goodwill adjustment. This is the first time I will get a goodwill adjustment with them and ever in my life! 

My credit report shows I missed pymt on XX/XX/2020, we were going through a PANDEMIA!! My family was at the board of death really scary and hard times Please I just want a goodwill adjustment
Product: Credit reporting

I sent in disputes regarding inaccurate account information almost two or three weeks ago, and did n't receive a response regarding inquiries or accounts that were removed from my credit report. I called Equifax and I was told that they were n't going to remove the inquiries that were n't authorized. I did n't receive any notification regarding the accounts that were disputed either.
Product: Checking or savings account

I opened a Citibank account under promotional terms : deposit {$15000.00} in new to Citibank funds and hold for 60 days to earn {$400.00}, which would be deposited within 90 days after meeting the aforesaid requirements. Now Citibank is refusing to pay after I've met the requirements. I never would have opened an account with this bank if not for the promotion.
Product: Credit card or prepaid card

I was told I received an airline refund on XXXX for {$4100.00} and it appears it went to the credit card the bank 's rewards company uses, because it definitely did not get refunded to my account. Bmo harris bank rewards uses a company called XXXX. After multiple calls and attempts to have them track the funds through an XXXX XXXX # XXXX reference number, they still won't return my emails, and hour long phonecalls lead to " we'll call you back tomorrow '' or " we can't find it ''. The purchase was made XX/XX/20 - so I've been at this a LONG time. The airline insists they paid it and that it is trackable. The bank says they don't have it. Someone has committed credit card fraud! And I am out quite a bit of money after a XXXX  year battle with both.
Product: Debt collection

I asked the company for some verification of the debt. I wrote them on XX/XX/2022. Requesting verification of the debt. They stated I said something about fraud. I need verification of what debt they are claiming I have. I called again on XX/XX/2022 after I did not receive any verification of the debt. I have not received anything.
Product: Debt collection

Prior attempt were done and I only received statements from this collection company of r the credit card. On XX/XX/year>, I requested proof of the Debt by mail with a certified return receipt. My request to FBCS Inc. was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.
Product: Credit reporting or other personal consumer reports

I have emailed to Equifax my identity theft form on XX/XX/year>. However, Equifax refuses to remove from my credit report the XXXX XXXX account which I filed the identity theft form. 

Instead, I am being left on hold in addition to being spun around with questions that has nothing to do with my dispute. Told different and inconsistent information all the times.

Consistently lied to on every phone call. This account is to be blocked from my credit report 3 to 4 days after receiving per law. 

Spoke to XXXX of Equifax supervisor employee id number XXXX asked me for my driver license and social security card. This is against the law to ask for someone's information especially when their system has been breached! 

You do not give strangers your drive license or SSN Card this leads to people committing more fraudulent acts to your credit report,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX  XXXX XXXX Never late please remove late payments In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Checking or savings account

The federal government has frozen all of my assets despite repeated identity verification from my bank. I have not been able to access my money for more than XXXX XXXX and my entire life has effectively been ruined. I am barely getting by on what Im able to borrow from literally everyone I know. I need the federal government to release my identity NOW
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received XXXX response once again not addressing any of my concerns and never giving me any proof of the information I am requesting and entitled to by law! 

THIS IS NOT A DISPUT I'M AWARE XXXX  IS NO LONGER THE CREDITOR My account charged off due to nonpayment on XX/XX/XXXX.XXXX  sold my account to XXXX XXXX XXXX on XX/XX/XXXX. XXXX also responded to the disputes I filed with a letters dated XX/XX/XXXX, and XX/XX/XXXX. 
In every single letter I wrote I never disputed the fact XXXX was reporting innaccurate account status or sold/transfer status or ownership. The account charged off and sold was never been a dispute or the validity of such information. 

I have asked XXXX 10+ times what INFORMATION did XXXX use or steps taking by XXXX  to bring my account current from XX/XX/XXXX when I consumer closed the account without payment on that day never making any payment or arrangments on account since XX/XX/XXXX ( {$43.00} ) how then is XXXX reporting payments being made on a account when there was no payments actually being made the balance never decreased after XXXX reported these on time payments. Even after the account was charged off and sold XXXX report 15 additional payments made on account after sold at one time XXXX cerified the information they was reporting was accurate but XXXX was reporting my charged off account as a REPO I had to dispute that among other things XXXX was reporting inaccurate that in fact was not! 

So my question to XXXX I how did my account become current from XX/XX/XXXX when I consumer CLOSED WITHOUT PAYMENT, ALL THE WAY TILL XX/XX/XXXX WHEN ACCOUNT WAS FINALLY CHARGED OFF FOR NO PAYMENT? HOW!!! what method was used and documentation used for XXXX to make these changes to my account? 

I'M AWARE For any additional questions about ownership of my account, please contact XXXX XXXX XXXX at XXXX. 


AGAIN I AM NOT DISPUTING ACCOUNT STATUS ( CHARGED OFF ) OR THE ACCOUNT BEING SOLD ( XXXX  ) THAT IS FACTS I'M REQUESTING INFORMATION THAT XXXX USED INTERNALLY TO MAKE THESE CHANGES TO MY ACCOUNT
Product: Debt collection

After a detailed examination of my recent credit report, I found multiple accounts that appear to be inaccurate and were included without my knowledge.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my PayPal account was permanently locked with {$38.00} in pending funds. I called PayPal customer service, and they could not provide a reason for the lockout or any support in remedying the issue. To my knowledge, there is no behavior on my account that should have caused this. My PayPal account reads, " We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. BANK XXXX XXXX SENT ME AN LETTER OF ERROR REGARDING THE CORRECTION OF ACCOUNT. WHILE LOOKING AT CREDIT REPORTS FAILED TO COREECT LATE PAYMNETS ON ALL CREDIT BUREAUS EXCEPT XXXX PLEASE CORRECT ALL LATE PAYMENTS FOR THE ACCOUNT IS PAID IN FULL NEVER LATE CLOSED AND SEND ME A LETTER TO HAVE THIS ACCOUNT REPORT TO XXXX.
Product: Debt collection

Company lied through the CFPB response- sent a bill from almost one year ago as proof that money is owed. Debt had been paid to original creditor a long time ago. I have attached XXXX response letter through CFPB as well as 10 months of bills showing that nothing is owed until XX/XX/06 for my monthly bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received reivestigation of inaccurate information being reported on my credit report. 
If, after any investigation under paragraph ( 1 ) of any information disputed by consumer, the item of information if found to be inaccurate or be incomplete, or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Student loan

In XX/XX/year>, I requested the refund of student loan payments made during the XXXX pandemic from my loan servicer, EdFinancial. In XXXX, EdFinancial confirmed that my requested refund had been approved and would be disbursed within 60 days. Since then, I have yet to receive any refund or update as to the processing of this request. I have been sent back and forth between EdFinancial, XXXX, and the Treasury as to which entity should be able to provide clarity. Most recently, the Treasury told me to contact the Dept. of Ed directly for assistance. Upon calling the Dept. of Ed, I was told to reach out to the Treasury again. 

It has been over six months since I was approved for the refund of these payments, I have yet to receive the refund. I can not afford my since-restarted payments without the refunded payments, and I am now accruing interest based on the delays caused.
Product: Money transfer, virtual currency, or money service

Yesterday on XX/XX/XXXX I tried add cash from my bank account to my cash app and it failed no matter what amount I tried. Today I tried again and decided to contact support when it failed again. An automated email came back saying that my account had been closed. I now try to cash out my remaining balance into my bank account and that transaction fails too. I would like to get the remaining balance from my cash app if it is no longer usable.
Product: Credit reporting or other personal consumer reports

I did an investigation on my credit report and found several items in there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the " Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing : Please help me delete these illegal accounts from my credit reports.