23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I exercised my right of rescission as a result of XX/XX/2022 due to failure to provide me the following mandatory T.I.L.A required disclosures below and such rights in accordance with the regulations of the Consumer Financial Protection Bureau : 1. the creditor must deliver the notice of right to rescind to each consumer in the transaction 12 C.F.R. section 226.23 ( b ) ( 1 ) ( i ) - ( v ). 2. the notice must disclose the requisite information clearly and conspicuously 3. The consumer 's right to rescind the transaction 4. Information on how to exercise the right to rescind 5. the effects of rescission 6 the expiration date of rescission ( 3 days-3 years ) 7 to satisfy the notice requirement, the creditor is required to use model form in Appendix G form or the one substantially similar. none of the above did I receive from Best Egg violating 12. C.F.R. section 226.23 ( b ) ( 2 ). Best Egg is ignoring and refusing to execute my rescission rights thereby, being non-compliant to the regulations of the Bureau 12 C.F.R section 226.23 ( d ) ( 1 ) and 12 C.F.R. section 226.23 ( d ) ( 2 ). It appears Best Egg and its officers are intentionally refusing to comply with the regulations of the Consumer Financial Protection Bureau, T.I.L.A. Regulation Z, and the U.S. Supreme Court Order and Decree on XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX whereby borrower need only provide written notice to a lender in order to exercise right of rescind.
Product: Checking or savings account

On XX/XX/XXXX, I opened an estate account at Chase Bank following my mother 's passing. One week prior to my appointment to open the account, I was required to bring in all of the required legal papers such as my letters testamentary and the estate EIN. I was told the paperwork passed muster and I was allowed to open the account. A week later I received a letter telling me that I needed to supply further identifying information. I called the 877 number provided but after an hour on hold, I gave up and reached out to the branch for resolution instead. ( This was another option provided in the letter. ) A day later, on XX/XX/2021, the banker reached back out and told me the issue had been resolved. Specifically, he relayed that the branch had scanned the documents a few days after the account was opened and the timing created an issue. I was told the documents had been scanned in by the branch and that I did not need to worry about the issue. I was therefore quite surprised a month later when I received a cashier 's check for the amount of funds belonging to the estate with a notice that my account had been closed. I reached out to the branch and was told they would look into the matter. I also again attempted to call the 877 number. This time I was on hold for XXXX hours at which point the system hung up on me. I discussed this matter over the next few days with branch personnel and was just told that they could not open the account because I live in a state other than my mother 's state of residence which has jurisdiction over the probate. This is a particularly strange reason given that I had just concluded my step-father 's estate that was held in the same jurisdiction one month prior to opening my mother 's estate account. The Bank is under the mistaken impression that the state of probate does not allow the estate account to be held in another state. However, my probate attorney told me it was ok and the court in the case of my step-father had no concerns about my opening the account in another state. 

At this point, I am left with a check for over {$200000.00} that is no longer earning interest. This puts me in the extremely awkward position of not being able to fulfill my fiduciary duty as executor. Chase Bank has been deceptive with me, making false statements with material impact, in that they had numerous opportunities to tell me if they had concerns about opening the account. For example, why tell me they needed identifying information when no additional information could cure what they see as a problem. If they had been forthright, I could have transferred the funds to another bank during the waiting period and continued to earn interest. It also strikes me as unfair in that their back office operations caused me injury that I could not have avoided and it is not outweighed by any benefits. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to Experian received XX/XX/22 that there method of verification was invalid and to please correct the error of reporting a bankruptcy XXXX because I went to the data furnisher directly XXXX and after there investigation they are not reporting and bankruptcy in there files. ( LETTERS OF INVESTIGATION ENCLOSED ) Experian responded XX/XX/22 report # XXXX, that the results has been certified as accurate. I sent another letter received XX/XX/22 stating that Experian has violated 15 U.S. Code 1681i for invalidated inaccurate credit information being reported. Experian responded XX/XX/22 with report # XXXX once again that the data furnisher certified the results as accurate. There is noway Experian did any investigation when I have documents from XXXX there data furnisher stating they are NOT reporting any bankruptcy in there files. Experian has not provided me a copy of any verified proof of an investigation has been done or any documents of an investigation. Experian has obviously violated FCRA rules and my consumer rights.
Product: Credit reporting or other personal consumer reports

I was Trying to get a XXXX loan when I realized I had damage on my credit report which ended up causing me major issues. Also According to 15 U.S.C. 1681 there should not be any damages on my report as it is a defamation of my character. And it is impeding my progress in life and putting major undue stress and hindering my pursuit of life, liberty and happiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts 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 602 A It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Acct # XXXX XXXX Acct XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX ( Original Creditor : XXXX AT T ) Acct # XXXX XXXX FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX  LLC DBA ) Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a settlement on my capital one credit card I paid the settlement offer but capital one is still reporting that my credit card is still overdue amd that I still owe money on it amd they wonr remove the negative item or update the account to say its paid it's just sitting there as if I haven't done anything to resolve the issue
Product: Debt collection

They are medical bill collectors called capital accts. They have called me several times every day for a medical bill. I have explained to them that I have over 50k in med bills from just last year and my meds are XXXX and I can not even pay for gas. they stated that ask the family to pay my bills or my spouse which is the only one able to keep a roof over our heads. they have placed 5 different collections on my credit report. I have explained to them im very sick and I know I have a bill but to please stop harassing me. they then stated they will seek legal action against me and it can result in judgment lien on me and anything I own it can also result in wage garnishment. I told them if I was able to work I would not be in this call with them. They call from several landlines they call and hang up and when you call back they answer. I do not know what else to do
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I faxed a letter to XXXX  XXXX XXXX after a conference call with their service representative, and a representative from XXXX XXXX XXXX XXXXXXXX XXXX. The letter and call were designed to explain to XXXX  XXXX XXXX that during the process of paying off my loan with them, the dealership ( XXXX XXXX of XXXX XXXX ) made a mistake and misapplied the payoff payment to another customer 's account. This was not my error. 

*I purchased a new car in XXXX and during the same month, paid off XXXX . The misapplication of the payment erroneously triggered a late payment for me, reporting for XX/XX/2020. 

After initiating disputes regarding this matter, the credit reporting agency, XXXX, has inserted a late payment for XX/XX/2020, even though the the loan was paid and closed before XX/XX/2020. 

Equifax has inaccurately reported the payment history on this account. It reports late payments, with a date of first delinquency of XX/XX/2020 after the account was closed. Again, requests to have this properly investigated have failed. How can my account report late payments before the date of first delinquency of XX/XX/2020? 

I have a right to have the information updated or corrected to reflect complete and accurate information. Otherwise, the account must be deleted. Neither CRA XXXX or Equifax has complied with the law. They have not properly investigated my disputes. 

Here are the violations I am asking to be investigated against XXXX  and Equifax : 1. Failure to provide me with the information used to determine the result of their investigation. They have provided me with any documents from the furnisher ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )
Product: Money transfer, virtual currency, or money service

I am writing to formally address an issue regarding an {$8000.00} check that I deposited in person at your TD Bank branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX on XX/XX/year>. I made the deposit through a bank teller, and at no point was I informed that the funds would be held for more than XXXX business days. 

After making several inquiries, I was recently informed by TD Bank 's fraud department that the check will remain on hold until XX/XX/year>. The issuers bank has already disbursed the funds, but I have yet to receive a clear explanation from TD Bank as to why the funds are being held.

It is concerning that TD Bank, like other financial institutions, may be using deposited funds for its own liquidity needs without any legitimate justification or explanation. I consider this an unfair practice and a potential violation of consumer banking norms. 

I respectfully request a formal and detailed explanation for this hold, as well as clarification on your institutions policies regarding such matters. Furthermore, I would appreciate an expedited resolution of this situation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the write to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2012, I call the company ( XXXX XXXX XXXX ) to pay off the account. They told me the account was sent to the collection company. I've tried to pay this account for the past 7 years with so many collection companies. It's been over 7years it needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have attempted through all channels seek proper investigations into the reporting of accounts on my reports from all three major credit bureaus. All three credit bureau report that all information is accurate and they put only the account is included in bankruptcy, but still report account is closed or charged off to collectionssold off. XXXX accounts before XXXX  should be marked as included in bankruptcy and not to report as charged off or sold for collections or derogatory. I have tried to fix this sold off. XXXX accounts before XXXX should be marked as included in bankruptcy and not to report as charged off or sold for collections or derogatory. I have tried to fix this.
Product: Credit reporting or other personal consumer reports

I currently have my XXXX XXXX new car on my account. Her XXXX XXXX account for her giving her car back still affects my credit when I never cosigned for her car at all. Her credit cards from XXXX XXXX is still on my account they have refused to remove them. I also want to know how I can get in on the lawsuit my credit has been affected by this and I have paid a lot of money to get it cleared only for it to appear right back om my credit and I'm tired of it. Equifax has not only applied all my XXXX XXXXtuff on my credit but my account is now under her name and my SSN..I want this fixed NOW and I want to be reimbursed for everything I have come out pf pocket for, for fixing a issue that I'm still experiencing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a credit bureau alert through XXXX XXXX XXXX XXXX and XXXX XXXX, that a new debt was placed on my credit file. The name of this company is Franklin Collection Service of XXXX, XXXX XXXX on the behalf of XXXX XXXX XXXX. On XX/XX/XXXX I promptly called XXXX and began a dispute and requested information about the collector. I called on the same day and spoke to a Franklin Customer Service Rep and asked about the debt. I was informed that the name on the debt is not mine but of some else. Knowing this, I requested the false information to be removed, which I declined, I do not know if this company is legitimate, besides Franklin issued the complaint, the burden of proof lie with them! I asked about information of the debt like address, year this account was opened, phone numbers, but they would not release the information. Franklin know about this inaccuracy, and will not do anything and this is illegal! According to the XXXX, this company have a transparency issue, and have racked up 150 complaints in XXXX.
Product: Mortgage

Wells Fargo refuses to accept responsibility for 1. Not accepting verification for utility service at the home. I provided a utility bill with the service address noted. The utility bill was mailed to my XXXX. The XXXX has been my mailing address for years as is documented in my account records with Wells Fargo. If the funder/investor guidelines require otherwise. It was Wells Fargo 's responsibility to intervene given that the facts relating to the matter are well documented in my file for years. An extension should have been granted. 2 ) On the day of the sale I provided documentation to reinstate the loan. This documentation was used to prevent or postpone the sale 30 days prior while attempts to modify the loan were being made. Wells Fargo withheld information to the investor relative to my XXXX history. They are liable.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$170.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$3100.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$2500.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$5000.00}
Product: Money transfer, virtual currency, or money service

I used venmo to receive payments from a client totaling {$1200.00} the service then held the money I received chronicling an absolutely absurd excuse of security for holding my money. They had me verify the acct which I did immediately. I was then informed that my funds would be held i true acct for 180 days. This is not acceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}
Product: Money transfer, virtual currency, or money service

During XXXX I used coinbase.com as a wallet for Bitcoin. I go through a ton of runaround and verification to access my account for the first time in years : my transaction history is completely blank and my wallet balance reads empty. To be fair I did have a bad habit of tipping people with BTC, so it's possible that I really did cash it out completely HOWEVER I absolutely did for fact make transactions with BTC via Coinbase and now they have hidden those transactions.
Product: Mortgage

My mortgage servicer and lender ( s ), Shellpoint Mortgage, et. al., will not acknowledge nor process my application for modification. I have sent it via email to XXXX ( XXXX ) email addresses they gave me and also, for good measure, sent it by First Class US mail. I followed up months after sending it in, but, they will not acknowledge nor process my modificatiion application. They now say that I they have given me loss mitigation options, but, they have not, refuse to process my application! They are referring my file to foreclosure. I have been trying to modify this for years and this is what happens every time. They also are harassing my wife ( who is not on the account whatsoever ), my little girl ( XXXX years old ) and my son ( XXXX years old ), by sending a man to our front door and interrogating my family about collection / foreclosure, writing erroneous collection / payment demand letters and communicating on the phone about erroneous collection / payment demands. This man would not give his name or his company. I requested information pertaining to this man, who has been to our home on multiple occasions, but, Shellpoint, nor XXXX or XXXX would not respond. Also, they have given me multiple names of Owners of the 'loan ' including XXXX , XXXX and XXXX. I requested a meeting or video conference to see the Original Note, but, they will not respond. I want to see who is on it ( my wife is really upset because she is not on it ), who the real Owner is? and who they endorsed the Note to. If I had all of the money to pay this off, I would Honestly not know who to pay and would not for fear of XXXX or XXXX or XXXX other entities trying to collect on me ( and illegally attempting to collect my wife, daughter and son at our home )! I know that the RESPA law requires that they properly accept, acknowledge and process a loan modification / loss mitigation request timely prior to taking people 's homes. I ask that you require that they enforce this, with whatever authority you have or offer me any guidance and / or direction to remedy this large problem. Thank you so much in advance.
Product: Debt collection

Today XXXX amsher called me about debt from XXXX amounting to XXXX . I was advised upon switching phone carriers from XXXX that there was no balance due. When I received the call I attempted to dispute my debt as is my right under the fair debt collections practices act and they refused to honor my dispute and abruptly hung up on me. The customer service rep was brash, abrasive and rude.
Product: Payday loan, title loan, or personal loan

The lender refuses to remove bank account information upon request and revocation of authorization. 

Said was not allowed to remove information till I add more. This isn't how it works. 

Refused to remove my bank info. XX/XX/2023 at XXXX by phone.
Product: Debt collection

Sydicated Office Systems LLC and Central Financial Control are attempting to collect on a medical debt that is not mine from 2012. When I asked for verification of debt with their company on letter head and my signature, they sent me billing info and hospital admitting information for an infant that is not mine. I 'm not sure if they have combined my billing and this other person 's billing together. I have asked this company to remove all information from my credit report from all credit bureaus because the debt does not belong to me.
Product: Debt collection

XXXX XXXX attempting to sue me without notifying me in the proper way didnt not even know they where attempting to take legal action until i received a call from a lawyer stating he had seen a suit had been filed against me and was inquiring if i needed legal assistance i was never served any notices or legal papers
Product: Debt collection

I am writing to express my dissatisfaction RENTDEBT AUTOMATED COLLE with your recent attempt to collect a debt from me regarding my purported overdue balance of {$3100.00}, allegedly owed to XXXXXXXX XXXX XXXX XXXX. You are also in violation of 15 U.S. Code 1692e ( 10 ) False or Misleading Representations. Cease the reporting of the fraudulent items being reported immediately. I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have any contract with RENTDEBT AUTOMATED COLLE. These accounts are fraudulent and does not belong to me, I have attached a FTC report along with this document.I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. 
Someone has opened up a fraudulent accounts in in my name that is now reporting to my credit. The following account RENTDEBT AUTOMATED COLLE ( Original Creditor : XXXX XXXX XXXX XXXX  ). I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have any contract with RENTDEBT AUTOMATED COLLEXXXXImmediate Cease of reporting this alleged debt to any Credit Reporting Agency XXXX XXXX A formal apology from RENTDEBT AUTOMATED COLLE for the violation of my rights under the FDCPA. XXXXCompensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. XXXXReimbursement of any legal fees incurred in addressing this matter.
Product: Credit card or prepaid card

On or about XX/XX/XXXX i stopped at a XXXX XXXX XXXX for gas. the outside pump said pumps not working see cashier. I went in and cashier asked for my card and i refused. I told them to turn the pump on and then i will come in and pay. They turned pump on and i pumped XXXX dollars and some change in my car. on checking my credit card i noticed another charge put on XX/XX/XXXX for XXXX that i did not purchase anything for. I only got the gas there. I complained to capitol1 and they had me fill out fraud paperwork. when i turned it in they said that it was not fraud and a dispute paperwork was filled out with the help of a person from capitol1. They reviewed and sent back paperwork that stated it lacked all info requested and at this time they say case is closed and they recharged my card for the purchase I did not make. case number XXXX