23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of Identity theft. I have contacted the apartment complex, XXXX XXXX, and they are unable to do anything due to it being in collection and it is under new management. I have a police report. I have provided the report and my driver 's license to the agency as requested. The collection agency is located where I reside ; so I drove to the information that was requested and the collection agency is stating that it will not suffice due to information on the report being redacted. I called the detective and he stated that they are unable to supply an unredacted report due to privacy. I conferenced call the detective and the collection and the agency stated that a verbal authorization will not suffice and they are unable to speak with them. I have emailed them the report that was provided to me and my id and they will not assist. I have explained the problem and XXXX XXXX is not helping and will not accept the information that was provided. The company as a hold is not trained properly and training on fraud is highly recommended. 

Per Canton 's Record Clerk, " Unfortunately, no we can not release a copy of the report to you completely unredacted. The suspect was not charged in this case. Without a subpoena stating otherwise, both the suspect and witness information is redacted to protect their privacy. 

Thank you, XXXX '' I told the agency and they were adamant about not being able to do anything.
Product: Mortgage

In XX/XX/2021, Finance of America stated they didn't receive my payment and then they reported me late. In the end, My LO who doesn't even work at FOA any longer figured out what happened and they reversed the negative reporting after 65 days of frustration. They were horrible in regards to communication and didn't seem to take me seriously or even care about my anxiety regarding the issue. My credit is excellent and I always pay my bills on time so this issue was really frustrating. In the end, they applied my payment to the wrong account which I proved to them by getting the cancelled check which was suggested by my LO. My issue is their communication and then they also stated they wouldn't report it to my credit until the investigation was complete. I understand mistakes happen, however the way they approached the situation was very unprofessional and unethical. Had my XXXX not stepped in, I find it to believe that they would've resolved the issue. I'm making this complaint for the next person they are treating like this and maybe they'll be more professional next time. I find it very unbelievable that they would blatantly lie to me about reporting the late payment to the credit bureaus. Thanks you in advance for reviewing my complaint. I have numerous emails to prove what I'm saying is correct. Please see attachment which includes an email in which they stated they wouldn't report it to the bureaus.
Product: Student loan

At the end of XXXX, I requested a refund for a payment ( {$4200.00} ) I made during the pandemic and under Bidens new policy I was eligible for a refund. It has been over 6 weeks and I have not gotten an answer on the status of the refund. I have called Mutiple times, but no one has given me an answer on what they are waiting for or how long will take.
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage and extreme disappointment regarding the recent data breach that compromised my personal information due to your companys negligence. It is absolutely unacceptable that an organization entrusted with safeguarding sensitive data has failed so miserably in its responsibilities. The breach of my personal information is not only an invasion of my privacy but also a serious security risk that could have lasting consequences. 

Your failure to implement and maintain adequate security measures has placed me and countless others in jeopardy. Because of this breach, my personal and financial security are now at risk, and I demand immediate action to rectify this gross violation of trust. 

As a victim of your incompetence, I expect the following actions to be taken without delay : A Full Explanation I demand a detailed account of how and why this breach occurred, including when you became aware of it and why your security measures failed to protect my information. 

Compensation for Damages If I suffer any financial losses, identity theft, or other consequences as a result of your data breach, I will hold your company fully liable and pursue all available legal remedies.

Immediate Security Improvements I expect immediate action to ensure that no further breaches occur, including specific details on how you plan to improve your security infrastructure.

Credit Monitoring and Identity Protection As a direct consequence of your failure, I demand that you provide me with at least 5 Years of credit monitoring and identity theft protection services at no cost to me. 

Your companys failure to safeguard my personal information has caused unnecessary stress and concern, and I will not tolerate inaction or half-hearted responses. If I do not receive a satisfactory resolution to this matter within 7 Days, I will escalate my complaint to regulatory authorities, consider legal action, and publicly expose your companys negligence. 

I expect an immediate response addressing my concerns in full. Do not underestimate the seriousness of this situation.
Product: Consumer Loan

I did n't see my first complaint about Cash Central but I do remember in there response they they stated they would no longer interrupt me jeopardizing my work status. They continue to call and today alone there were XXXX calls ( phone records will show ) that went to the front office. This is an annoyance and goes against regulations.
Product: Money transfers

Several months ago, I enrolled a PayPal account so I could receive money for selling some personal items on Ebay. On XXXX XXXX I sold a gold bar in the amount of {$1200.00}, the buyer of this item paid and I shipped the item. Due to this being a new PayPal account, these funds were held for several days. After the money was made available, I attempted to withdrawal {$500.00} of these funds only to have the transaction reversed and account limited. PayPal is now demanding a large amount of personal information from me to " restore '' the account- a task that is very onerous. Furthermore PayPal wo n't respond to my Emails and continues to cite their " User Agreement ''. I am also unable to refund another buyer who paid for an item I sold on Ebay, which creates another issue. Because I can not deliver this item, nor refund it, my buyer has no other recourse to in initiate a dispute ( or possibly legal action against me ) for failing to give their money back to them. 
I feel PayPal is unlawfully holding my money for an item I sold, and will not allow me to refund a second buyer for another transaction.
Product: Student loan

The lender Key Bank is harassing me with phones calls on a number I never provided them as well as my XXXX father. They are calling from XXXX est time until XXXX cst. My fathers voicemail box is filled with calls from them within the first few hours Monday through Friday. Hes answered and asked them repeatedly to stop calling as well as faxed over a letter stating do not call his number and only communicate via mail regarding the student loan. They obtained my cell phone number from god knows where. They started the non stop calling back in XXXX where I spoke to a representative who advised me to fax over a letter stating not to call my number again and it would cease. They have again started calling my cell phone number over 10 times a day which have caused me to get in trouble at work and my hours have been reduced to less than part-time ( XXXX XXXX ) due to cell phone continually vibrating in my desk. Im allowed my phone for emergency purposes only for my daughter and they have made it impossible. Ive spoken to numerous of representatives and advised to stop calling my numbers even advised the do not call letters that were faxed over to them. They place me on hold each time for 30mins to come back and say well we are calling ... and I then cut them off and say did you find that document where you arent suppose to be calling, but sending it in writing. They then hang up only for the calls to continue by someone else, hours later. They are causing great stress to myself and my father and due to them harassing me has cut down my funds to pay my bills. We want the calls to stop and them to follow the consumer laws as well as the FDCPA. These harassing non-stop calls will lead to me seeking more than just a complaint if it causes me any more financial harm or stress. ( Ive received 3 calls while just typing this message from them ). I am able to provide any proof that needs, whether its the letters sent in ( XXXX, XXXX, XXXX ), call records, voicemails left, and documents sent from them which shows they received my do not call letters.
Product: Mortgage

My problem began when XXXX XXXX transferred my mortgage to Specialized Loan Servicing. When Covid hit the problem became a nightmare. I applied for a forbearance loan in XXXX of 2020 and after 10 months of constant phone calls and letters I finally refinanced with another company. This was the only was I could afford to keep my house. Specialized Loan Servicing mishandled everything from beginning to end. Paperwork shows that all documentation was received and yet they also sent notice of intent to file foreclosure. The majority of people in this country were able to have the payments during forbearance tacked on the end of their loan. What I got for missing three payments of Principal and Interest was a balloon payment of {$29000.00}. tacked on the end of my loan. They manipulated everything that began as a forbearance to what they then called a deferment to what became a " modification '' of which I did not sign or approve. 

In addition to this when I finally closed with a new lender, they overcharged me interest for an additional 21 days after closing and hit my credit.
Product: Checking or savings account

I RECIVED MY UNEMPLOYMENT FROM WHAT WAS OWE TO ME. WELL SOME DAYS LATER I WAS RUSHED TO THE ER  MY XXXX XXXX XXXX XXXX XXXX DO TO XXXXWELL DURING THAT TIME MY WALET, KEYS AND MY PHONE WAS LEFT IN MY CAR. SOME ONE BROKE INTO MY CAR WHILE I WAS IN THE ER AND MY CARD WAS USED NUMERIOUS TIME SO I REPORTED IT AS FRAUD THE BANK DENYS THE CHARGE. HOW I FILED 2 CLAIMS ON THE SAME DATE SAME PHONE CALL THAT THEY APPROVE. FOR THE SAME UNAUTHORIZE USE. SO BECAUSE I DISPUTED THIS FOR XXXX XXXX AND SOME CHANGE. THEY ASKED ME TO SEND MY ID AND PROOF OF ADDRESS. I DID. THEN THEY ASKED FOR MORE STUFF AND MORE AND THEN CLOSED MY ACCOUNT THEY DIDNT GIVE ME NO TIME TO SWITCH MY BILL PAY OR DIRECT DEPOSIT. 
NOW THERE DEPRYING ME OF MY HARD EARNED FUNDS I SRNT THEM A CABLE BILL MY DL AND MY 1099
Product: Debt collection

While talking with XXXX XXXX at XXXX XXXX XXXX about the debt in question I disputed the validity of the debt. After getting him to send me an email of what was owed and to whom I informed him that I did not know this was on my credit report and I would be disputing the entire debg. It was at that time I was called various names and profanities. This seemed completely unaceptable for anyone, especialy someone talking with people all day. After XXXX   the company and person I found that this is something this person does to alot of people. I received another message saying that the conversation was recorded and hope that can be used to stop this for anyone else.
Product: Debt collection

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS NOT A DUPLICATE. At this point KICKOFF you have dug yourself into a deep hole. I've given you opportunity after opportunity to simply resolve the issue of unwilling participation in your services. This will be the final complaint personally filed myself. I've outlined consumer laws that you're in violation of and you willfully disregard me. Throughout the duration of this back and forth i've suffered accumulative damages that you're responsible for. 

XXXX XXXX XXXX NOTE, if KICKOFF can't furnish all details requested. YOU are also going to be held accountable for willful negligent behavior with the violation of consumer law. There for you will also participate in the financial legal obligations of damage compensation. I've filled complaint siting law violations and you also ignored my request for detailed information by stating all is confirmed. If this complaint closes with this negative late payment account still being allowed on my consumer report. Please make sure your attorneys are made aware of every complaint filed up to this point. 

YOU ARE REQUIRED BY LAW YOU PROVIDE ORIGINAL CONTRACT FURNISHING ALL ACCURATE DETAILS OF DATE TIME AND LOCATION. YOU ARE TO SEND THIS INFORMATION TO THE CFPB FOR PROPER DOCUMENTATION.
Product: Mortgage

I have been continuously trying to work with Wells Fargo and they have never tried to help me. Their excuse was that they never spoke to me but that is a lie. 

I now have a counselor that is helping me save my home and they continue to delay my review! I have told them several times that I want a modification. I am veteran that is trying to save his house but I am not getting the help from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Contacted reporting companies Nothing they can do but gave me information to call and dispute Told me to claim identity theft
Product: Bank account or service

I am a Bank of America ( bank ) customer. I received an offer of a credit card which stated that my application for this credit card will be without any impact to the credit score. However, a hard inquiry was made against my credit file maintained by the credit reporting agencies. This hard inquiry diminished my credit score by few points. I asked the bank to remove this inquiry and they refused. I have attached a copy of their offer.
Product: Credit card

A capital one credit card was opened in my name without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/2025 XXXX BANK XXXX Subject : Request for Account Details Dear Sir/Madam, I am writing regarding the account listed under my credit report with the following details : Account Number : XXXX Creditor Name : XXXX BANK XXXX XXXX XXXX XXXX to clarify that I am not disputing this account. However, I kindly request the following information for my records : XXXX. The Date of First Delinquency for this account. 
XXXX. The Date of Last Payment made on this account. 
XXXX. The Date of XXXX for this account. 

Please provide the requested information in writing at your earliest convenience. I appreciate your cooperation in this matter. 
Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was unable to obtain phone service due to incorrect information provided by EQUIFAX. Birthdate was incorrect, reported as XX/XX/XXXX, correct date is XX/XX/XXXX. After I provided confirming documents, I received confirmation # XXXX and # XXXX from EQUIFAX stating that my birthdate was corrected on XX/XX/XXXX. I recently applied for credit and discovered that EQUIFAX was still reporting incorrectly. I submitted a new dispute and received confirmation # XXXX dated XX/XX/XXXX with the birthdate unchanged and no explanation as to why their previous corrective statements were false. 
This is OUTRAGIOUS!!! EQUIFAX should be severely censured and fined for this devious action and failure to correct their data. They must be fined until they correct their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : Both XXXX and Transunion Credit Bureaus have failed to verify the account listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ). 

Background : I filed a dispute with both XXXX  and Transunion per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for this account. In my dispute, I also demanded the account be Verified or Removed immediately : Account Name : RECEIVABLE ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Additional Facts : Both XXXX and Transunion received their Certified Letters on XX/XX/2020 ( See Attachment ) Deadline to Provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Neither XXXX  or TransUnion have provided Verifiable Proof that meets the standards of FCRA XXXX and this account still remains on both my XXXX  and Transunion credit reports.
Product: Debt collection

Navient has deemed a debt marked as  Default. R eopene d the Defaulted Loan and changed to Deliquent. There are no payments or any authorization for this this. The company  will not forward me any documentation in terms of payments and how much money was allocated towards these payments from before the loan became defaulted. Incorrect billing and lack of information from Navient.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I received my latest credit card bill from Barclays ( an aviator XXXX XXXX XXXX  XXXX ) I was notified of an increase in my APR to XXXX. I have had this card since 2015. I pay the balance in full each month. I called Barclays and was told to contact XXXX.I attempted to get a credit report online from XXXX but was unsuccessful because I was timed out? My credit score is XXXX .Perhaps Barclay wants to drop my account since I pay each month in full. They charge XXXX $ a year for the use of the card. Such usury should be illegal if it isnt already. I suspect millions of consumers received a similar rate increase, many of whom are in precarious financial positions.Thanks for any help you may be able to provide.
Product: Mortgage

I applied to get my home mortgage refinanced with SoFI. In order to start the process i had to get appraisal done and i paid SoFI {$520.00} to have appraisal scheduled. 
Appraiser came on XX/XX/2021. In his report i found mistakes that would affect the comparable and value of the house. The mistakes i found were 1. Missing half bath, misreporting of updates by saying no major updates done in last 15 years where as complete first floor remodel was done in last 2 years plus second floor flooring and paint. At first when i brought this up SoFI loan officers did not understand and told me i needed to provide them with list of houses that would be comparable and all the details in " reconsideration of value '' document if I want to try to have the appraiser review his findings. Even after paying the money for appraisal i was told to fix the problem. They told me that because the underwriting had accepted the appraisal they can not do anything. i had lost my trust in the company at this point as they are accepting falsely documented information for such a big transaction. At this point i wanted to get my refund for the appraisal so i can go somewhere else for my refinance needs. They took long time to resolve the appraisal issue and that caused me immense stress and missed opportunity to get a good rate in timely manner. They insisted on fixing the report saying the value does not change since the missing info is not significant. Even though they gave me updated report it was prepared for SoFI and it is useless for me. I am still under distress because of this issue. Their own team is sending me decision that the mistakes on the report was not significant and we have decided to not refund the money. I believe that if it was the other way around and by mistake my house value was more because of an additional bath, they would have said it was significant and take money off so they can give me higher rate. I believe, they should refund me my money but I am really looking for an impartial 3rd party to give me a good reason why the company does not need to give me a refund. So i can move on and never work with them again. Thank you