23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The agency had contacted me a few times about a debt owed to a college. I settled to do a payment plan however all I could afford was {$25.00} a month as I was already struggling with work hours and other bills. They told me they would only accept this amount for a short while before they need to claim more. They told me to text a number to receive a link to where I can begin payments to which I never received a link. They called back and in the midst of trying to figure out what went wrong they mentioned that the amount I owed was {$2600.00} when in the original paper work I owed less so the collection company was deceiving me in the true amount I was owed. I stated I wanted any future communication to be done through mail and that I wanted the original contract of the debt with the school and the itemized bill of the added amount on the debt. This was requested on XX/XX/2024 and it is now XX/XX/XXXX and I have yet to receive anything at all. If I could not afford to pay the original creditor I dont understand how the collection agency expected me to be able to pay more than I could afford monthly and more than the original.
Product: Credit card

Barclays failed to identify or prevent multiple fraudulent changes on the account, including several international changes that clearly did not make sense for the account. Barclays agreed to reverse the fraudulent charges. We were so dissatisfied with how they handled it, we settled the payment and closed our account. Barclays claimed they made a mistake and credited us too much. They reopened the account and sent us a new bill for fraudulent charges that they already confirmed were fraudulent. We disputed the charges. No one could explain what we owed money for. Instead of addressing our concerns, they just added interest charges and late fees. They ignored our dispute. 

We called numerous times and the agents kept reciting fraudulent charges that they already agreed were fraudulent. We can not find any valid charges that we are responsible for. Meanwhile, Barclays keeps adding fees and refuses to explain what we are being charged for. 

We have filed multiple complaints and have gotten no response. We called again and they could not find our account, but we had just received a bill. We asked to file a complaint and they said we couldn't file a complaint because we don't have an account. They said they do not accept complaints from consumers who don't have accounts with them. 

This has been infuriating to be treated this way.
Product: Checking or savings account

WF has an early deposit program. In this program you can receive your direct deposits up to 2 days early. This program was added to my account WITHOUT MY CONSENT. I went to my local branch to have this removed. They can't do it at the branch level so I filed a complaint and asked for it to be removed. I got a call from some guy who told me someone named XXXX would be calling me about this. I missed the call from her. She left her name and number and I called back 3 times, no one answered and no one returned my calls. I went back to the branch and filed another complaint and said if I don't hear from someone, I would seek legal help. Its been around 6 months or so and I haven't heard from anyone. I am a XXXX veteran and I have been a customer with WF for XXXX XXXX and don't appreciate being treated like this. I consider this a form of age discrimination.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX. I was shopping on the XXXX XXXX   and ran into a couple pair of shoes. I was interested in them so I contacted the seller. He requested me to send him the payment of XXXX through XXXX. So I did. After I paid him. Hours later he sent me a receipt showing proof that he shipped the pair of shoes out to me. I thought it was pretty legit so I purchased more shoes and sent him 2 more transactions for 2 pairs of shoes. One of XXXX from my savings account. And another of XXXX on XX/XX/XXXX. The first pair of shoes were expected to arrive Friday, XX/XX/XXXX. And the other two were expected to arrive on Saturday, XX/XX/XXXX. It is now XX/XX/XXXX and I have not received anything. I tried and tried contacting him but no response from him at all. I contacted my bank. Bank of America and they told me that since I sent the seller or should I scammer money through XXXX. And that it is a third party, BofA can not and will not be able to dispute the multiple transactions. Which I think and believe is very unfair. I just lost XXXX!
Product: Mortgage

I have had an ongoing problem with Shellpoint mortgage. I have consistently fully paid the mortgage monthly since its inception and have never missed a payment. 

The loan was established without an escrow, and I have paid the insurance and taxes without lapse. On numerous occasions, I have supplied proof of insurance to Shellpoint, but they have not updated their records, and have applied lender placed coverage on the loan and added the cost to an escrow balance on the account. Since I already have insurance on the property, I refused to pay the escrow balance, and have asked Shellpoint to rectify this situation. This has been an ongoing issue with them for the past 2 years, and they have not corrected their records. They are now calling me non-stop trying to collect the balance and show the loan 60 days in arrears which is negatively impacting my credit.

I provided Shellpoint full proof of insurance coverage for the past two years including building liability and flood insurance policies via email to XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 and have requested that they correct their records. Rather than update their information, I have received 2 additional letters from them demanding proof of insurance.

I have tried to resolve this issue through Shellpoint 's customer service, but find them to be useless. Instead of resolving the issue, they tell me they will file a complaint and request that I send the proof of insurance to the email address that I referenced above.

I recently tried to refinance the property to get away from Shellpoint, but the negative impact they are having on my credit is preventing me from refinancing. I need your help to get this resolved and will provide any and all documentation you need to resolve this issue with Shellpoint
Product: Credit reporting

Hello Consumer Finance, I 'm not sure where to even begin! I have been battling with Equifax for the last few months and as of late I submitted a complaint against them. I 've had some fraud on my report and it been a complete nightmare for me. Since I travel I guess I 'm an easy target. AND now it almost seems like experience is retaliating against me in the form of negative reporting. I 'll give you my evidence and what happened and hopefully we can make some sense of it. There was an SST/SYNOVUS ( # XXXX ... ... ) & an XXXX ( # XXXX ) that were and haven {$0.00} balance for years.no balance owed nothing. I filed a complaint against Equifax about 2 weeks ago and as of yesterday morning. Those accounts mentioned both have a balance of $ XXXX. and was reported as a new charge-off and derogatory. ( according to the credit monitoring ). This has sent my credit into a tail spend and my stress and health are taking a toll. Please help me. Here is the attached screen shot showing the XXXX balance charge-offs for the exact amount and how they showed out of thin air. 

I 'm already fighting with someone using my social and now I have to fight a large company ... I do n't stand a chance. and I think they know that so they keep doing stuff like this to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting credit act these following creditors jetblue/barclays, XXXX XXXX and XXXX XXXX has violated my rights under 15usc 1681 section 602 states that i have rights to privacy, 15usc 1681 section 604A section 2 also states a consumer reporting agency can't furnish an account without my written instructions.Under 15usc 1666B a creditor may not treat a payment on a credit card account under and open a consumer credit plan as late for any purpose i'm hoping you can look into this matter. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

account information disputed by consumer ( meets requirement of the fair credit reporting act ). This is showing on the Credit Report. I have disputed this with a legal form from and letter overnighted to the Company. They have not contacted me nor sent me any information via mail to let me know what happened to this investigation. I have yet to receive any proof of the debt. Because they havent provided this they shouldnt be reporting this in the credit bureau when this is clearly not my debt. 
The Debt is with Hunter Warfield Inc. it says its a rental or leasing office. This is affecting my Credit Bureau reports and it needs to be deleted or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I sent a letter to Capital One Auto Finance to report an unauthorized application for auto financing, which was initiated by XXXX XXXX XXXX in XXXX XXXX Texas XXXX XXXX XXXX, 2022. Said application was unauthorized, as it was submitted without my knowledge nor permission. Unfortunately, this dealership collected my personal information under false pretenses as I was attempting to redeem a cash prize that I had supposedly won, but it turned out to be a fraudulent scheme. A large number of unauthorized credit inquiries appeared on my credit report after visiting this dealership, even after I verbally told them we had no interest in purchasing a car and did not want any hard inquiries on my credit report. 

Unfortunately, contacting the dealership for assistance at this point is not an option. Several days after my visit to the dealership, their financing XXXX XXXX XXXX called me and yelled at me for leaving a bad review of the dealership online. Therefore, I ask that your company please step up and correct the issue related to the dealership 's fraudulent behavior. 

My letter to the company was returned to me on XX/XX/2022 due to the company listing a wrong address said inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

The following accounts/items do not belong to me. Please delete immediately. 

Bankruptcy - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX  - this account doesn't belong to me Action Requested : Please Delete Please send me an updated copy of my credit report showing that these accounts are removed.
Product: Debt collection

I'm filing a complaint on National Credit Systems XXXX XXXX XXXX XXXX   XXXX, XXXX GA XXXX. 
After receiving a notice from National credit systems about owing them {$170.00} I contacted them by mail to informed them the debt did not belong to me and it was a result of identity theft. I contacted the credit bureaus ( XXXX and XXXX ) to report the matter after waiting for over 6 months I was told the item was verified with no supporting documents. I contacted them again and was advised to contact the federal trade commission. once I contacted the federal trade commission I was referred to consumer finance.
Product: Mortgage

My wife and I originally did a home mortgage with TD Bank , N.A . on XX/XX/XXXX for a refinance and cash out in the total amount of {$900000.00} with a interest rate of 3.5 % for 30 years. On XX/XX/XXXX we did a home mortgage modification in the amount of {$880000.00} with a interest rate of 3.125 % for 30 years. I have maintained my on payment status with TD Bank throughout the history with them and never had any late payment problem or skipped payments. However, on XX/XX/XXXX, I received a formal notice in the mail from TD Bank , N.A . that they are closing all my accounts with TD Bank ( e.g. personal checking, XXXX checking, saving, etc. ) including this mortgage loan that I have with them.

I have emailed the executive teams at TD Bank, left messages with them, however, they are not return my calls or respond to me. I believe TD Bank is engaging in predatory lending practices ; they are trying to seize the collateral, or my primary domicile, even though I have excellent payment history with them. This is a classic example of lender liability in which they are trying to own my property for no fault of my own. 

In fact, according to the original Note I have executed on XX/XX/XXXX, Section 6 ( b ) Default, Default only occurs " If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. '' I have an excellent payment history, and was never late on payments. I have not served with the Notice of Default as per Section 6 ( c ) of such Note. I do not understand why they are now claiming they will close all my accounts including the mortgage account I have with them. I am not sure why the bank is doing something like this to prey on consumers during COVID-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX Inquired on XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX ; XXXX XXXX  Inquired on XXXX XXXX XXXX
Product: Debt collection

This complaint is about the national service bureau contacting me and family members, friends multiple times harassing and being rude on the behave of my name. This debt collector is telling me I'm going to jail and also giving out my SSN number to friends who don't have that information.
Product: Vehicle loan or lease

I started a new lease with Ally financial and I get the welcome letter in the mail to set up my online account. When going to set up the account I get an error message. I call customer support and they say that this is a known issue that has been around for a week and they will fix it... eventually. Paying online through their website is the only secure way to pay without a fee. my current bank does not have bill pay and if I want to pay over the phone Ally wants to charge me {$4.00} for something that is clearly their fault. The other option is to send an in an automatic payment form by mail which is insecure. They refuse to give an ETA for when I will be able to access my account information.
Product: Vehicle loan or lease

I have contacted XXXX XXXX XXXX several times to try to get a lower payment because i knew my interest was very high and my car was in an accident and even though my car was sold I still owed a very high balance. I have a couple of friends who are not XXXX and their payment was not as high as mine nor was there payments that high. I have been approved by XXXX XXXX XXXX Corporation Settlement for discrimination but this is still on my credit report. I read the contract and it said I had to pay over {$400.00} a month and the price had had jumped to {$29000.00} and some. I went to the dealership and I spoke to the salesman about the figures and took me to the finance department and the finance manager said that he explained to me about the price and still said that it was too high and he said that he will try to see what he could do. I advised I thought this was a loan with a XXXX interest and I was told that my payment should be no more than {$250.00}. I feel like nothing was explained to me correctly and they took advantage of what I didnt know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an ATV for summer fun. As I was looking for the XXXXne I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim oXXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$930.00}
Product: Credit card

I went in for a XXXX  operation, and on the day of the operation I was told by the receptionist who signed me up for Care Credit through XXXX XXXX  that the credit would be 0 % interest. There was no indication of a temporary period of time that interest applied, or that there would be an increase. I was misinformed of the terms of the loan and now have been charged a {$1900.00} lump sum interest amount that more than doubles the amount I owe. 

I messaged with customer support on XX/XX/XXXX  to ask if I could pay the remainder of the principal balance owed prior to the interest charge ( {$1400.00} ) and waive the lump sum interest because I was unaware of any interest on the loan ( {$1900.00} ), and they told me that wasn't possible. I think if you allow a nurse or receptionist who is not representing the true terms of the loan in a upfront and honest way to obligate consumers for credit use with Care Credit, they should be informing people of the period of time the 0 % interest offer is good for. She told me in person that there was no interest and it was an awesome option to cover the cost of my XXXX. I would've paid off my entire loan prior to the end of the promotion had I known it was a temporary offer. Now I have a loan I won't be able to pay off for years because of a lack of understanding of the loan terms, and I feel as a consumer I was harmed and misled in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

False items need to be removed from my report as it is causing hardship.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX, and XXXX with no success. They have refused to update information. Account to be removed : XXXX XXXX & XXXX # : XXXX
Product: Student loan

Every time I try to contact MOHELA phone wait times are prohibitive ( >120 minutes while calling several times over the last 6 months ). Most recently my mortgage servicer requested that I contact them using a third party servicer called " XXXX XXXX XXXX'. I spent 1hr 40 minutes on hold and the call was dropped. Despite giving them my number for a callback in the case of a dropped call, they never called me back. I'm concerned these issues will delay my mortgage approval and the closing date on my house. Also I am deterred from speaking to anyone about my loan with the extremely poor customer service of MOHELA with the long wait times.
Product: Credit reporting or other personal consumer reports

I send dispute to investigate multiple time and Experian and EQUIFAX continue with error on my credit report all credit reports company not match which other please removed this fraudulent accounts from my credit report that hurting obtaining credit .Thank you
Product: Credit card

On XX/XX/XXXX I received a XXXX Cancellation of Debt from Wells Fargo with regards to credit card account XXXX - Cancelling a purported $ XXXX.- I filed my tax returns and added that amount to my income for tax year XX/XX/XXXX as advised by my accountant, and thus ended up having to AMEND my tax returns and incurred a tax liability greater than normal due to the extra income being reported through this XXXX. 
My grievance, to which I 've communicated in writing to Wells Fargo and the XXXX Major Credit Reporting agencies is that they continue to report a past due balance on my credit report even after I 've given proof of the XXXX that clearly shows the debt has been cancelled. Therefore NO BALANCE should be reporting. 

I have done research on the topic and would like to advise both the CFPB and WELLS FARGO that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled that as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor. 

See : See, e.g., In re XXXX, XXXX XXXX XXXX, XXXX ( Bankr. Ct. XXXX XXXX XX/XX/XXXX ) XXXX XXXX v. XXXX , XXXX XXXX . XXXX XXXX ( XXXX ), XXXX, XXXX XXXX XXXX, XXXX ( XXXX Dist. Ct. XX/XX/XXXX ) XXXX XXXX XXXX . XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX Super. Ct. XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). 

" is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at XXXX. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at XXXX.