23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I never had an account or any debit with XXXX, this scamming company Convergent USA (  www.convergent.com ) is trying to obtain personal information accusing a company already dissolved in 2019,  who I was part, to have a debit with XXXX of {$1800.00} and if I pay them ( Convergent ) the amount of {$670.00} the collection process will stop and my account will return to XXXX!!! Totally Scam, we never had that account, I called XXXX and they don't have any info about that. I read many and many complains about this company applying the same scam to hundreds of people ( XXXX XXXX XXXX  ) in such hard time all Americans are through now, shut down that company please, many people will less knowledge and resources will be a victim losing the little money they have in the middle of a pandemia! Please act fast! Thank you very much for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account was opened XX/XX/XXXX Balance {$380.00} XXXX XXXX  account was opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX account was opened XX/XX/XXXX Balance {$320.00} XXXX XXXX account was opened XX/XX/XXXX Balance {$280.00} XXXXXXXX XXXX XXXX account was opened XX/XX/XXXX Balance {$310.00} I have contacted all companies above stating that this is fraud. I did not open these accounts. They only account I opened is XXXX, a late payment is on this account and they agreed not to remark that!
Product: Mortgage

My mortgage loan was transferred to PHH from Ocwen home loans on XX/XX/XXXX. Before the loan was transferred I applied for a modification due to financial difficulties stemming from the wind storm we had back in XX/XX/XXXX. My roof collapsed, and ceilings caved in raining into my home. My XXXX   had over XXXX worth of damage and the insurance declared it a catastrophic incident. we lived in a residence in for 4  months and had to pay for food, new clothing etc because we couldn't enter the home. We applied for a modification while continuing to do what could be done to keep the mortgage up and Ocwen turned it down stating that we had had too many modifications in the past. The question was posed to Ocwen and PHH how many have we had and to please provide us with paperwork as to when it was. we are currently 11 months behind and PHH has stated that a Notice of Intent has been sent but can not provide us with paperwork nor give us a explanation as to when it was sent nor can provide us with any paperwork as to the number of modifications were done. They just say no and that we have to provide 10 months of payments in order to even get on a payment plan. This company is unorganized and unprofessional and we just want to do what right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX  ) XX/XX/year>2024 / XXXX XXXX XXXX XXXXk ) XX/XX/scrub> 2024 /
Product: Credit reporting, credit repair services, or other personal consumer reports

**If its anything over {$1.00} they are to return the money PERIOD! 
( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall **there are three things that need to happen A. credit the amount of the credit balance to the consumers account ; XXXX refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( theres no choice here ) XXXX make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone ; meanAND in law ( a semicolon meansAND in law it has to be done ) 1026.17 is part of 12 CFR Part 1026 ( Regulation Z ). Regulation Z protects people when they use consumer credit. CFR https : XXXXXXXX 12 CFR 1026.21 - Treatment of credit balances. 
Pursuant 12 CFR 1026.13 : ( XXXX  ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( XXXX ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode, as listed on the account in question, in the form of a check, from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, current, and future payments. 
NOTICE OF ACKNOWLEDGMENT- this is important Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 
Your prompt attention and response are both requested and required. 
XXXX XXXX XXXX, consumer, debtor, and legal Date representative of [ XXXX XXXX XXXX UCC 1-308 All Right Reserved
Product: Credit reporting or other personal consumer reports

Hello, I have tried to get bank accounts, and or a new car from places XXXX XXXX XXXX XXXX, XXXX, or even apply for loans. However when I do this, these creditors are unable to pull my original report. I am subject to XXXX XXXX  from higher up family members, who liquidated my assets and credit cards, profile and ssn number, all against my will. I was subjected to guilt, shame, and incorrect statements about my financial status, discrimination on how I personally lived my life. They threatened me to comply else they would choose if I lived or died. They are rich family members, and XXXX requesting the credit companies to remove old accounts, re-establish a healthy credit score, place my negative credit accounts on delete, and give me a second chance. I will be suing my family for defamation, choice abuse, and environmental violations/controls for my credit history and profile issues Ive received XXXX I also want a fresh start on my XXXXXXXX XXXX
Product: Checking or savings account

I was expecting for a check that I never received, because someone stole it. 
I called the two banks, and no one takes responsibility, the Discovered Bank said I have to call XXXX and the XXXX that I cant make the claim I can not understand how the back could cash it with out my ID or signature on it.
Product: Mortgage

SIGN A ADJUSTABLE LOAN AND DID NOT READ THE 30 PAGE CONTACT WITH HAD A BALLOON LOAN AT THE END OF IT AND FELL BEHIND ON PAYMENTS LAST YEAR AND SCHEDULED A APPOINTMENT WITH WELLS FARGO TO GET OUT OF THE LOAN INTO A CONVENTIONAL LOAN EVEN KNOWING I WAS GOING TO SIGN FOR ANOTHER 5 YEARS BUT THEN WAS TOLD DUE TO THE WAY THE PAYMENT WERE BEING PAY AND STILL BEHIND COULD NOT GET INTO AND NOW RECEIVING LETTERS ON THE HOUSE THAT IT IS IN FORECLOSURE AND NOW LOOKING INTO THIS PROGRAM AS A XXXX XXXX VET.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit repository is reporting incorrect, outdated information with regards to BANKRUPTCY CH-XXXX ref # XXXX. Item has been withdrawn last XXXX XXXX, my social nor my date of birth is not showing in relation to this item, all of which was verified by the court. Clearly, this credit repository 's information/records are outdated and the item was never investigated as my credit report shows. I kept records of my credit report from the day I disputed this item and downloaded new reports and the incorrect information still is reporting. This is a violation of FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX portal showed the account as restricted while there was a balance, as soon as the balance was paid off, the portal status changed to account closed. When I inquired about the account with the creditor, the representatives advised the account was closed for a year. The creditor reported the account as closed as of XX/XX/XXXX to the major credit bureaus, however, the creditor was still reporting late payments from XX/XX/XXXX through XX/XX/XXXX after the documented account closure date of XX/XX/XXXX, further causing misleading information on account status.
Product: Debt collection

XXXX from progressive management services called my sister and my dad stating they were looking for me and provided a case number my family got worried tried to pay the debt for me would provide further information but they called me XXXX and left a voicemail i even get text messages
Product: Credit reporting or other personal consumer reports

Attn : TRANSUNION LLC Arbitration Filing Fees XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Dear TRANSUNION LCC, I am sending this letter in to request payment for arbitration filing fees with the XXXX and the fee is {$220.00}. Transunion says in the company agreement that they will pay half of the filing fee which would be {$110.00}. I'm filing in reference to my consumer rights being violated or was being violated by the XXXX XXXX, XXXX XXXX, US D OF EDUCATION XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX and XXXX  reporting 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three years ago I had identity theft and enrolled in Equifax freeze protection. They charge my credit card {$6.00} per month.
Recently Equifax has had a breach in their data and I looked on their website and it shows that my data has possibly been affected and they offer a FREE Freeze product via Trusted ID Premier, which I signed up for. Please see attached proof of process dated XXXX17. 

After five days when I still had not received the " final '' activation email I started to call and was on hold with a variety of telephone numbers for hours over a four day period. When I finally did reach someone, they had no idea why I did not receive the above email and I should just give it more time. 

After another four days I finally called Equifax sales at XXXX who is the department that sold me the original above {$6.00} product. The sales department answered their phone within 10 minutes. Umm, something to think about.
Anyway, the Sales Rep said the reason I have not receive an activation email for the free product is because I have the {$6.00} product. The Sales Rep said the only way to get the FREE product is to cancel the {$6.00} product. Though she WARNED me that once I cancel this {$6.00} product I will be exposed to identity theft for at least a week until Trusted ID can activate the free product.
How does that make any sense? The Sales Rep said it is the only way to get the free product.
Product: Mortgage

I place complain a15 days ago with CFPB, Someone from navy compliance called on XXXX XXXX2023, she reviewed that my deb ration was at 22 % I asked why they would not allow me the 28 % debt ration, she said navy Federal was not a like most banks, after not backing down in believing I'm being whitewash, she decide to make inquiry about the loan being increase. 

I was told she would called me on Tuesday the compliance person would contact me in the mean time no phone call, while missing out on home due to the wait for the increase.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, and as a result, fraudulent inquiries have been made in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent inquiries be blocked and deleted from my credit report. 
The unauthorized inquiries in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I applied for a loan and was directed to money Lion website. They collected my checking account data and linked to my account via Plaid account verification only to get a XXXX Instacash offer. I didnt take the money but Money Lion website will not let me delete the account. When you call the number provided for help the hold time starts at 15 mins and INCREASES as you hold not decreases. I see theyve had issues in the past and they need to be shut down for good. I want my personal banking info removed as they got it on false pretenses and I want my Money Lion acct deleted
Product: Student loan

I called EdFinancial on XXXX 2022 and asked that all payments made during the Covid pause be refunded to my account. The representative told me it would be 21 days to process the refund. I asked for a confirmation number, or email to track the status, she stated it couldnt be provided to me. She stated I would have to call periodically to check on the status. I called again on XXXX 2022 and the representative informed me it would be a minimum of 150 days to refund the money I paid when student loans were in Covid forbearance. She stated she couldnt provide me with a confirmation email, and didnt know if the refund would be sent back to me by mail or through direct deposit. Per the CARES Act, I can request a refund of money I paid during a period when I wasnt obligated to pay it. The timeline of this refund is unsubstantiated, as well as the confirmation of the refund application itself. EdFinanciaXXXX has had several reports of similar cases with other students, wherein the tracking of their refunds is impossible. Other financial lenders are reporting 4-6 weeks of return processing, yet EdFinancial is the only lender whose processing time is 5 months at minimum. Id like the money returned in a timely manner and an update of the refund processing.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Consumer Loan

Wells Fargo Dealer Services has reported six late payments and I was told that they do not follow the same rules as credit cards. That is, if a car payment is even 1 day past due, it is reported to the reporting agencies. ( XXXX, XXXX, XXXX ). I was n't receiving paper or electronic notifications that payments were due, nor that the payments were late. My credit score has been ruined and they refuse to remove these lates and restoring my credit due to this technicality. This is going to remain on my credit for seven years with no recourse by Wells. Of course, Wells has a history of fee gouging the consumer and this is just another method of collecting fees, disregarding what 's in the best interest of the consumer. I respectfully ask for your help in having these lates removed from my credit and that they report accordingly to the reporting agencies. Thank you so much for your help in this matter.
Product: Checking or savings account

I changed my plan with XXXX. XXXX stated the I would receive a prorated adjustment if my plan is an amount lower than the existing plan. The condition is to set up automatic payments. The result was a new due date. I set up the auto pay for the future due date of XX/XX/22. XXXX did not wait until that date to take the payment. I called Bank of America to dispute the charge and spoke with XXXX, Supervisor in XXXX. He said if this is not a billing dispute Bank of America can not dispute the charge because they are providing me a service. I told him XXXX is committing fraud and providing a disservice by putting through a charge on a payment method and date that I had not authorized. XXXX said Bank of America does not see it that way. I don't care what service they are providing if a company makes an unauthorized charge on my account the fact that they are providing me a service doesn't excuse an act of fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX representing Syncrony Bank for Amazon Store Card last for digit XXXX Account was charged off on XX/XX/2016, due to illness in the family of XXXX XXXX XXXX XXXX, the account holder chose life over debts and became the care giver for the XXXX patient. The account went into default, there were no communication from XXXX XXXX XXXX XXXX written or verbal, its been 6 years and they scout my profile in different ways, got my last job and try to garnishee, which was XXXX XXXX XXXX, and during the filing from XXXXXXXX XXXX to XXXX XXXX XXXX XXXX they went through Legal and garnishee my Checking and Savings of what little I have of a total combined of {$400.00}. 

What happen to the statutory law in Hawaii of 6 years. 

Now I'm broke.
Product: Credit card or prepaid card

I have been making my payments all on time and early by using debit card from the same exact checking account which is also capital one checking account, for many months. On XX/XX/XXXX th, 2022, I made a payment from the same account for {$170.00}. Thus payment cleared my bank account within minutes and XXXX days later it showed as payment received on Capital One mobile banking for credit card ending XXXX, bit has not been made available to me! I have Made numerous calls to Capital one even to XXXX teams and they all are telling me there is a 26 days hold and no one can tell me why other than is a processing time!!! 
This has cost me extreme financial distress as. I even Asked them to refund my money and they have refused to do that. My next course of actin after this complaint is law suit for conversion. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance : {$1400.00} XXXXXXXX XXXX XXXXXXXX XXXXBalance : {$3500.00}
Product: Credit card or prepaid card

Capital One promotional check offering 0 % APR for 18 months transacted but the promotion was not honored. Check had expired but was allowed to post anyway on XX/XX/XXXX according to XXXX at Capital One. No proof of expiry was provided with the copy of the check XXXX after discussing the issue at length. The same promotion was offered throughout the year ending XX/XX/XXXX. Proof will be provided below. I was sent multiple bundles of checks offering this 0 % APR for 18 months promotion and they are attached below. The fifth phone call was made today ( XX/XX/XXXX ) with XXXX - XXXX at Capital One Executive Headquarters, and I told her that the federal government will judge this according to the proof I provide for this claim demonstrating the continued offer. Capital One has exhibited predatory lending in this case as well as fraudulent advertising and marketing to an excellent customer of over XXXX years with a high credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am utterly frustrated to see that the Credit Bureaus have done nothing to remove the inquiries that were the result if the Theft of my Identity despite the countless written letters that I have been sending to the Credit Bureaus. It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX