23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had filed a consumer, financial protection agency complete against XXXX XXXX in XXXX XXXX Approximately XX/XX/2023. XXXXXXXX XXXX  froze my account two years ago for a joint IRS tax refund that my husband signed and I signed and I put in my personal checking account. My husband and I were going through divorce and he complained to the bank that he didnt get his half of the refund, so XXXX XXXX account with the understanding that I was to bring my husband in and he signed an affidavit that he signed the check and I returned the check to them. Theres a restraining order on my husband for XXXX. He was arrested for XXXX  XXXX, and I could not bring him in and he cant even be near me. The bank went ahead and hold on the check for approximately a month and then release the funds. And then place the throw it freeze on the account with those stipulations. Unfortunately, XXXX had cashed the check and I was unable to go to the IRS to have them issue to separate checks so the funds still remain in the bank account and XXXX still will not release the funds to me, I file consumer financial protection complaint and they actually released the hold on the account and I had verified it with Capital One Bank. All three of us were on the phone and XXXXXXXX XXXXXXXX is shirt capital one bank with me on the phone that there was no holds on the account and that they could transfer the funds and there would be no problem with me having the money. Well, two weeks later they reverse the funds so I attempted to transfer again to make sure that maybe there was an error and I did this probably three or four times and they reversed it every time. Well, One has no My Account and will not release hold. They said its under investigation its been 15 days now and I cant make my auto loan payment. I cant use my credit cards. They have all my money and commercial has all my other money and Im sitting here looking at no food. No gas cant pay my bills. My credit is gone down because I cant even pay the car payment that One has and I can not pay it with my own checking account. They allow me to transfer it but then they reverse it now, and basically Im sitting here looking at my electricity is going to be cut off and I have no access to any financial banking. Im very frustrated I was not allowed to have a XXXX this year because of this and my phones gon na be cut off Im trying to operate my own business and I have no access to funds. This has been the most horrific experience in banking Ive ever had I feel its very unfair. They dont care everything is computer generated and operated and I cant talk to anybody nobody ever calls me back when I do leave messages and they said they dont know when theyre gon na ever really XXXX. I have a mortgage payment is due. I have car payments thats due. I cant pay any bills.
Product: Student loan

I been paying this loan since XXXX XXXX until last year and never see the debt go down. still it's almost twenty years later and still it looks like I never paid anything because its highway robbery with these student loans. Then I still a check that I never cash because the college told me to wait and I still been charge this money. The other college was XXXX College the check was for XXXX
Product: Money transfer, virtual currency, or money service

Wise, Cancelled and returned my long established monthly retirement payment from XXXX. It seems wise returned the payment to the XXXX retirement distributor. 

Wise claims that this transfer was cancelled because more information were needed. Wise did NOT contact me and requested any information. I contacted wise multiple times to resolve this issue without any success. 

It will take me multiple months to change the XXXX retirement payments distribution to a new account. At this time, I have no idea how to recover the already lost payment ( s ).

Please be aware, you are on your own if something goes wrong. What a MESS!
Product: Payday loan, title loan, personal loan, or advance loan

I am being harassed by a XXXX XXXX! I spoke to a loan officer yesterday because I'm behind on my loan and I told her a particular day to call me back to defer because I have a lot going on with life right now! He gets on the phone and tells me I didn't talk to anyone. He proceeds to tell me that I'm actually rejecting to pay the loan entirely! He's called me before and he has the worst attitude! I'm sure I'm not the only one complaining about him!
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy ot my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

Name of the account XXXX XXXX Reported on XXXX and Experian Account Number XXXX XXXX The Account was started under A business tax id and they logged it under my Social Security without my consent. And also the report is wrong. 

I need this deleted from XXXX And Experian In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

The application process was arbitrarily unclear, needlessly difficult and I was asked to submit redundant information on several occasions as a result of poor communications and inefficient quality controls, throughout the entire application process, on the part of the credit issuing bank. I was given incorrect, inaccurate and incomplete information regarding the status of my limited liability company in the state where the business is incorporated, where I was attempting to open this line of credit, causing still further delays. Throughout the process I was informed that more than XXXX application was submitted for review, which was inaccurate, but caused considerable difficulties for the representatives of the bank trying to process the correct application ( on one respective call I was told contradictory information about whether a correction could be made on the existing application or an entire new application would need to be created and submitted. ) Throughout the process of opening the line of credit account the bank and its representatives apparently initiated a process of, what they termed colloquially a hard credit pull on at least three separate occasions, that Im aware of. Ive been reliably informed that the very act of performing a so-called hard credit pull, just once, may have a negative effect on ones credit worthiness score, let alone three or more times. So, the very same entity making a decision on my creditworthiness ( credit score ) was potentially, negatively affecting said credit score over a several weeks period as a result of their own errors, omissions and incompetence. Based on that very same score a computer based system and/ or a banker makes a decision what annualized percentage rate ( APR ) I should be given. This rate was allegedly, needlessly set higher, then it would have been otherwise, had the credit issuer maintaned the proper systems and or properly trained staff in place to process the application correctly the first time it was submitted.
Product: Money transfer, virtual currency, or money service

I am writing to to express my concerns using XXXX. I was told receiving lost funds were impossible. XXXX has neglected to protect consumers, leaving users vulnerable to scams.
Product: Credit card

Care credit has a interest rate that takes up all of your payments, so you will never be able to get it paid up, in XX/XX/XXXX it was XXXX dollars they would charge, they said low interest until your XXXX month is up and I completely agreed with that, I wasn't able to get it paid in time due to other bills, I never dreamed it would be this high my payment was a minim of XXXX a month and I always paid more and on time, in XXXX they charged XXXX dollars interest also in XXXX I then made XXXX payments XXXX for XXXX and XXXX and in XXXX they charged me XXXX dollars and put card security on there without me knowing it so it was an extra fee, I made a payment for XXXX to cover that and got the card security taken off, XXXX they charged me XXXX dollars for interest made XXXX payments in XXXX interest still was XXXX and XXXX, XXXX rolls around and now interest is at XXXX dollars, didnt know it went up, so card is now in the minus, XX/XX/XXXX mad a payment for XXXX didnt know it went up still, but caught it and now the interest is XXXX and my card remains in the XXXX dollars, someone needs to stop this company from screwing people over, I contacted them and all they can say is well you didnt pay it off in XXXX  months time, they need to be shut down, i was just getting good credit and now my credit score has gone down because of this, they need to stop messing with peoples life and let them pay it instead of putting the money in there pockets and start caring about others i also heard form other people once you pay it off they close it on you
Product: Mortgage

I almost always pay bills when I get them, not when they are due. Flagstar sends the next month mortgage bill after I paid the previous month 's payment so I end up paying months in advance. Over the years, i noticed that being two months in advance becomes only one month in advance, the lost of a month 's payment. When I file a complaint, Flagstar Bank would send a payment record full of error charges and refunds so I could not determine the failure to credit one of my payments. I do not have insurance or escrow with my loan, I only make {$880.00} monthly payments, nothing else. However, the payment history from Flagstar would be filled with false insurance charges, escrow deductions, principle payments and refund, and so forth making the payment records unreadable. If honest, Flagstar should have my payment history with only the payments I made ( all were on time ). 
Being cheated many times of my monthly payments, I started to get better records and copies of my payments. Attached are four documents. The first is a bill from Flagstar dated created on XX/XX/XXXX ( top right of page 1 ). Note that the total amount paid for that year was {$7900.00}. It a bill for a payment due XX/XX/XXXX which I made XX/XX/XXXX to keep from getting too far in advance. Page 2 is a copy of my XX/XX/XXXX payment check # XXXX for the monthly amount of {$880.00}. Page 3 is a copy of my bank statement showing that Flagstar cashed my XX/XX/XXXX payment check on XX/XX/XXXX. 
Yesterday I received in the mail from Flagstar another XX/XX/XXXXXXXX bill created date of XX/XX/XXXX for XXXX ( 2 months plus late charge ). On that statement was the same total payments of the year of {$7900.00}. Flagstar had received my XX/XX/XXXX payment on XX/XX/XXXX and had not credited to my loan. This has been done several times over the years but I did not have the copies of my payments to prove it. 
Please have Flagstar credit my last payment and give a full accounting of my loan history with only my loan payments, without all the errors they made on fake insurance, escrow and other items that did not relate to my loan. I kept all my payment check statements so if I know on what dates they cheated me ( just like their current attempt ). I could also prove their criminal actions.
Product: Mortgage

My mom had less than 9k left on her mortgage. At that time she suffered for XXXX  of XXXX XXXX. She fell behind on her payments. A representative from Ditech came to the house to take pictures for foreclosure. I asked if I could help in catch up with the late payment which equaled under 2k. I offered to pay double payments a month beginning that month. I was told I couldn't do that and had to get a loan modification to stop the foreclose. I sent the paperwork about 7 times and I always got the runaround. During all these attempts, they continued to add up the months I wasn't allowed to make payments because of the modification process. They then foreclosed and sold the house to themselves in an auction that didn't happen. Now they offered to sell me back the house for 4x the amount originally owed. I was willing to do it to keep my mom, which now has XXXX, at home. I was told to get a co-borrower to ensure being granted the loan. When I told them I was having to do it alone, they took the application and within a day told me I didn't qualify because of my credit. So I asked if i could reapply with my long time boyfriend who had better credit than me. I was then told they don't accept co-borrowers. Now they served us an eviction citation and we have court. The judge granted me a continuance to help me find help. The day it was granted, a representative from ditech came to the house and told me to start packing because they were putting my stuff on the street the morning after our court hearing. He also said he recommends I find somewhere to take my mole and start getting her adjusted to new surrounding because of her condition. My mom was done wrong by this company who has a track record of XXXX  over their clients. Now all I can do is pray for a miracle or we will be homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed Equifax a letter disputing a few errors on my credit report. I also mailed letters to XX/XX/XXXX and XX/XX/XXXX at the same time. I received XXXX response on XX/XX/2021 and XX/XX/XXXXon XX/XX/2021. I understan from the Fair Credit Act, I should hear a response within 30-45 days. I even gave a few days extra due to COVID and the mailing system being slow. However, it is now XX/XX/2021 and still have not received any notification from Equifax. According to the Fair Credit Act, all my concerns on the original dispute should be updated / granted due to lack of response. 

I would like my credit report to reflect all the disputed information at this time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 



XXXX XXXX, XXXX, and Equifax have 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

Hi Equifax, THIS IS THE SECOND TIME I REQUEST TO DELETE THOSE 8 FRAUD INQUIRIES FROM MY CREDIT REPORT. 
I NEVER APPLY OR DO BUSINESS TO ANY OF THOSE FRAUD INQUIRIES AND I CALLED EACH OF THEM BUT I WAS TOLD THEY DO NOT HAVE MY NAME ON THEIR SYSTEMS. 

THOSE FRAUD INQUIRIES BELOW SHALL DELETE FROM MY CREDIT REPORT BY LAW. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I have Citi thankyou Preferred master ( credit ) card for couple of years with no single late payment or any other issue. As a very good customer in XX/XX/2020 I requested online and with a representative to increase my credit line and it did not approve it. I have a very good credit score as  well.
Product: Consumer Loan

I received an unsolicited check in the mail from Mariner Finance LLC in the amount of {$1200.00}. The check stated by signing and cashing I would enter into installment loan with them. At the time I was consolidating debt and needed the money and the low monthly payment of XXXX enticed me. I deposited the check and made XXXX payments before deciding to pay in full. I sent several emails through their online portal asking for final balance and never heard back. They called me XXXX time before I paid off the loan, telling me I can have an additional funding, I advised not interested but after this call from my local XXXX XXXX branch, my preference is to receive communication in writing for financial matters pertaining to this loan so I will not call them or discuss over the phone. This is based on the strong urging from the caller to visit them to receive " more money. '' After this call I had a bad feeling about this loan. They have tried calling my desk phone at work but I will not answer since personal calls are not allowed and because I prefer in writing. My total payments were {$76.00} more than I borrowed and the final payment I sent was what appeared on my credit report as total now due ( this entry somehow has now disappeared from my credit report ). After it vanished from my report I figured it was paid in full only to receive another call to my work number this past Friday XX/XX/XXXX. I checked XXXX 's web portal this morning and it shows an open loan with a " maturity '' date of XX/XX/XXXX and my next payment due as {$60.00} with a future date of XX/XX/XXXX. I have not received any billing statements nor have I signed any documents other than the unsolicited check they sent me. I suspect they are withholding the total due and future dating a payment for some interest charges to accrue interest. My loan was open less than XXXX months and by my calculations ( based on future date and total payments ) my total interest paid for a 60 day loan of {$1200.00} would be {$460.00}. I have never received any acknowledgement for the XXXX emails I sent, I do not wish to speak to this company other than in writing and they have never sent me a single statement in the mail. An online search of complaints shows similar experiences with other clients. Attached is supporting documentation showing the payments made from my XXXX XXXX checking account and the deposit of the {$1200.00} check back in XXXX into my XXXX XXXX account. I do not have any other documents since none were ever provided by this business. 
I strongly believe they are comitting predatory lending and fraud based on my above experience.
Product: Consumer Loan

I had XXXX loan agreements with Lendmark Financial in XX/XX/XXXX. I ran into some money issues and both accounts went in default. in early XX/XX/XXXX an judgement was granted in favor of Lendmark Financial and the account was soon charged off. I talked to an Attorney and it was discovered that when the judgement was granted, the account was no longer active. ( In other words the judgement would remain on my credit report for 7 years from that day ). The judgement did indeed stay on credit reports for 7 years and was taken off. However, the items still remain on my credit reports ( all XXXX ). I fell strongly that Lendmark Financial has altered the roll off dates to keep the items on my report. ( the dates do not match on the credit reports ). I have contacted the company and reporting agencies numerous time and nothing was done. To sum it up My complaint is that the judgement was removed after seven years but the charge-offs remained. ( they are offset ) and unfairly doing damage to my credit. I think the charge-offs should be taken off just as the judgments were taken off after 7 years. The judgments actually happened before the charge-offs
Product: Debt collection

after talking on the phone with this agency, their practices were very unprofessional. ive read several complaints about them on the web.
Product: Credit reporting

The XXXX credit recording company are still reporting XXXX judgments ( XXXX XXXX XXXX XXXX and also XXXX of XXXX XXXX ) that have been satisfied ( Paid in Full ) over a year ago. I have reported to the credit company s and the court over a year ago.I hope you can help remove this out of date and false information. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX