23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX two years ago and went to XXXX XXXX XXXX XXXX XXXX. They had me coming back weekly for XXXX. I gave them my XXXX XXXX XXXX XXXX XXXX for my co-pay for each visit. Two months ago, I received a letter from IC System ( acct # XXXX ) Stating my account was in their hands with a balance due of {$340.00}. I immediately put it on my XXXX XXXX XXXX XXXX XXXX I received the attached letter, from their attorneys office, stating the balance was paid in full on XX/XX/2022. I also sent the letter, verifying the account had been paid in full, to them. In reviewing my credit report, it still shows the balance is due. I disputed this with XXXX, however after they verified, since the information had never been updated, there was nothing they could do from their end. Today I spoke with XXXX at IC System, who said my file is confusing and still shows the balance due. I explained the story to her, and stated I had sent the Receipt that the account has been paid in full the end if XXXX ; Yet she stated they had not received that either. she tried to call her supervisor, who is not answering her phone. On the recorded conversation, she stated it should be cleared up by the end of XXXX. I am not waiting two months due to their incompetence. I am a XXXX XXXX and I do not need this additional stress.
Product: Payday loan, title loan, or personal loan

company XXXX XXXX I open an account XX/XX/2012 rental agreement amount {$5400.00} I paid account in full {$5400.00} the company XXXX XXXX never reported to the credit bureaus, I demand this account be updated as paid in full.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX Account Number XXXX and list of Inquiries. 

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

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted XXXX and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Checking or savings account

Money was taken from my account as a result of an order from WI Department of Revenue in Wisconsin for the City of XXXX. I didn't get any correspondence from the City of XXXX or WI Department of Revenue. Wells Fargo didn't notify me of any orders to garnish my bank account. I currently don't have access to view my Wells Fargo account to submit proof of the garnishment at this time.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
My primary name is reported wrong, inaccurate and incomplete Account name : XXXXXXXX XXXX Account number : # XXXX Account name : XXXX XXXX Account number : # XXXX Account name : XXXX XXXX AUTO FIN. 
Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX XXXX. 
Account number : # XXXX Account name : XXXX XXXX XXXX Account number # XXXX Account name : XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX  Account number # XXXX Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.
Product: Debt collection

I have been aware that Americollect has been calling for months now about a nearly {$700.00} debt. While it is possible I have medical debt, I am not sure how it got to that amount. I know they have been calling me for a while, but I've searched my mail records all over and can not find any record of them ever mailing me notice of the debt and where it comes from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with the debt furnishers and they do not have information pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt belongs to me legally.
Product: Bank account or service

In a discussion last week with my Landlord & why they were cashing my " Bill Pay checks '' so late. Wells Fargo gets directed to pay all of my chosen creditors on the XXXX of each month as my XXXX gets deposited. Some are electronic and others are by paper check. The paper checks are rarely ( if ever ) delivered before the XXXX, this month ( XXXX was an exception ) showed in the XXXX. I did further checking and just about all of the other paper checks are cashed between the XXXX & end of month. This has convinced me that Wells Fargo cuts the checks & debits my account on the XXXX as requested but places the checks in a mail-room for a week so they can utilize customers funds longer. When they mail the checks, there is no postage meter stamp or postmark given to verify when the checks are sent. If they are doing this to all their Bill Pay customers, they are making an extra week or so profit off of the money not sent as requested! How many people are/were as oblivious to this game as I am?
Product: Checking or savings account

On XX/XX/XXXX I was made aware of a Legal Hold that had been placed on my account I contacted Capital One Bank for assistance and they had no information about the hold finally a few days later I received a letter from Capital One explaining that it was a Legal Hold and who I needed to contact. I contacted this company on XXXX and was advised this was a hold placed from a car rental that my son had used my insurance for and now they were going after me. I set up an arrangement with this company and they agreed to release the Hold and fax information to Capital One. The information was faxed on XXXX and I called the Bank every day before someone would tell me on XXXX the papers had been received but missing the signature of the Judge. I called the Lien Company again they faxed information XXXX more times still no success finally I went to the court myself on XX/XX/XXXX they pulled up the papers for the Judge to sign which he did on XX/XX/XXXX the bank claims to still have no information I went back to the Bank again on XX/XX/XXXX were they gave me a copy and notarized the paperwork I took the information back to the bank on XX/XX/XXXX where they emailed the information to their Legal Department and still no response now I am being told I have to wait another 2-5 business days for the release if they accept the information. I called on XX/XX/XXXX and I spoke with a Manager XXXX # XXXX out of Delaware who was the rudest of everyone we spoke to he was no help and I can't believe he being in customer service would be allowed to talk to customers the way he did. I am contemplating leaving the bank because of this reps attitude never in this ordeal have I spoken to anyone as rude as this gentleman. Capital One has not tried to help in anyway with this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX of this year I hired XXXX XXXX XXXX to embroider shirts for me in which they shipped back 38 % of my order damaged when their terms & conditions claim not to be responsible for UP TO 3 % of spoilage ( which is an industry standard ). When I confronted them via email I was offered a discount on my next order or a reproduction to replace the damaged batch while stating there are no guarantees itll come out correct. I didnt get what I paid for nor resolution so I filed a chargeback with Capital One on XX/XX/XXXX. Capital One didnt ask me for proof, just took my word & filed the case which I thought was efficient. However, on XX/XX/XXXX, they closed my case after receiving the bare minimum of a rebuttal from the merchant & never reached out for me to provide proof for my case. I then called them & set up an opportunity to prove that the claim was valid with XXXX pages of documents, emails & pictures ( which I still have & can provide ) on XX/XX/XXXX. I was sent a notification the next day via email stating that they cant help me & to settle with merchant who already didnt offer me anything which is why I went the route of a chargeback to begin with. Capital One has been a nightmare for the last past months. Not only do they not tell you when your APR is set to kick in so they can steal hundreds from you, but their customer service is apathetic towards helping resolve those issues as well as major issues protecting cardholders from getting swindled as I did here. Ive had XXXX XXXX for years & never had an issue with them. I opened this card to use as a business card but am looking to clear it up & close it ASAP & keep my business at XXXX where customers are actually valued & protected. In summary, CapitalOne is a fraudulent company disguised as a legitimate credit provider.
Product: Checking or savings account

On XX/XX/XXXX and the XXXX I was making transactions using my debit card linking it to my cash app card to buy items off of a life. The company that I was purchasing these items from then blocked me and didnt receive my money I try to dispute the transactions through my bank account, which is capital one they told me that they couldnt do anything to help me the amount was about {$1200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX has violated According to 15 USC 680 ( 2 ) ( B ) A financial institution may not disclose nonpublic personal information to a non affiliated third party unless A suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted which means all of the following accounts has nothing to do with Equifax XXXX and XXXX XXXX  which make them non affiliated which means I as the consumer must have XXXX disclosure agreements before any of my personal information could be given to any non affiliated and I must agree to it also according to 18 USC 1515 ( B ) ( 3 ) this is considered intentionally omitting information from a statement and thereby causing a portion of such statement to be misleading, or intentionally concealing a material fact, and thereby creating a false impression by such statement ; which means you saying you're not disclosing my personal information to non affiliates
Product: Debt collection

XXXX University They are holding my degree Because they said I own the school {$5000.00} Has per by student loans And the Department of Education my loans are all being discharged Borrow defense discharge loan Plus I dont own the school The school is being discharged all students loans who attend XXXX Because base on misleading students On education process
Product: Credit reporting or other personal consumer reports

On XXXXXX/XX/year> I contacted the CFPB about XXXX XXXX having three negative entries on my credit profile. These were in fact paid off, and yet XXXX continues to report to the credit bureaus that they are outstanding. Yes, I took three loans from XXXX for sick animals. Over time, I paid the loan. At the time of the last payment on each loan, suddenly they dont want my credit card. I had to try to get them to bill the same card but would not. The reason was largely because they had incorrect information as to what was owned compared to what they wanted from the credit card. At the end, after it was paid, they reported the loans as write-offs, even though they were paid in full. The company refuses to justify the negative information in the credit report, nor correct it.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Vehicle loan or lease

In XXXX of 2017 I spoke to a representative about how payments were applied. She stated that any money received would be applied to the monthly payments and nothing would be applied to the late fee balance until the end of the loan. <P/>On XXXXX.2017 I made a {$250.00} payment to cover my XX/XX/XXXX bill and some extra to cover my XX/XX/XXXX bill. The payment was misapplied. {$83.00} was applied to late fees instead of being applied to my XX/XX/XXXX payment. <P/>I contacted Ally Customer service in XX/XX/XXXX to reapply the additional funds towards my XX/XX/XXXX payment. I was advised that it would be taken care of and to wait 48 hours. I contacted customer service again a week later and I did not see it reflected on my account. I was advised that it would be taken care of. On XXXX.2017 collections contacted me advising about a past due balance. I inquired about the reapplying of the {$83.00}. It had not yet been applied correctly. He said he would process it but that I should call back on Monday to verify. Earlier this week I received another call from collections, I called back and asked to speak with a manager - after being put on hold for 10+ minutes the call was dropped/disconnected ( not from my end )
Product: Credit card or prepaid card

I would like to file a complaint ... Synchrony Bank has been closing my accounts one by one over the past six months ... I have spend several years building my credit score only to have Synchrony Bank ruin it all by closing most of my accounts for no reason. Every account they have closed were all in good standing with no late payments EVER. I have a 100 percent ontime payment history yet my accounts keep getting closed and it is affecting my credit score tremendously. I have done everything right with synchrony bank ... opened accounts, used them, paid them on time and yet they are still closing my accounts. I need someone to fix this and stop future closing of my accounts and possible reopen all of the accounts that they have closed. I have already spoken to several people at synchrony bank and no one seems to be able to help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute request to all three major credit bureaus, regarding a Wells Fargo Home Mortgage account. The account, the date of first delinquency was in XXXX. I requested the item be removed as it surpassed the 7 years for a negative item showing on credit report. 

I received results that still show the account on my credit report, however, they changed the delinquency date in order to allow it to remain. Wells Fargo even added a few more errors. I even provided written evidence from Wells Fargo and they still cant fix the error. 

Right on the letter it shows the date for over due payment being in XXXX. Seven years would be XXXX, its XXXX.
Product: Checking or savings account

I have been using the PNC Bank mobile app to deposit funds into my account for years. Now PNC has updated their mobile app. and the requirements to use the app are an incredible invasion of my privacy. 

If I do n't agree to their requirements, I am not allowed access to my accounts on my mobile phone. 

When I inquired in the bank about this horrendous invasion of my privacy, I was told, " Well, just do n't us the app. '' That response is unacceptable. 

The requirements are wholly unreasonable. 

Here is what I get when I open the app : " 1. Optional Allow PNC Mobile to access this devices location.
2. Required Allow PNC to Make and Manage Phone Calls. This permission allows PNC to use unique phone information like your SIM ID and phone number to help protect you.
3. Required Allow PNC Mobile to access photos, media and files on your device. This permission allows PNC to assess you device for vulnerabilities against unauthorized account access to help protect you.
For security reasons, your access to the app will be blocked if you do not accept the required permission requests. '' I have talked to other people who bank elsewhere and the same requirements are being applied to their bank 's mobile app. 

Banks have no right to make phone calls on my phone or to manage my phone calls. They also have no right to access my photos, media, or files on my phone without express specific permission. 

Not even the police or FBI have a right to do these things without a warrant. 

What can I do about this? What can you do about this?
Product: Payday loan

Under Oklahoma law I am eligible for a EPP ( extended payment plan ) for my payday loan with Speedy Cash. ( My bank is XXXX ) Speedy Cash refused an EPP because they said even though Oklahoma XXXX allows unlimited EPP 's their company policy only allows one per year. So, I asked them to hold my loan a week and they refused that as well. The representative advised me to stop payment on the loan then make a payment plan ... .can you imagine?? I 've never stopped payment on anything in my life. If Speedy Cash is n't going to follow Oklahoma Law they should n't be able to operate in the state of Oklahoma.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information in XXXX - XXXX 2017 which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate blocking and deletion of two accounts that have been fraudulently opened in my name and are currently listed on my Experian credit report. I have recently reviewed my credit report and discovered the following unauthorized accounts, which I believe to be a result of identity theft : 1. Account Name : XXXXXXXX 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 Reported Balance : {$1300.00} I hereby confirm and affirm that I have no knowledge of these accounts, nor have I authorized anyone to open any accounts in my name or on my behalf. The presence of these fraudulent entries on my credit report is not only incorrect but is damaging my creditworthiness and causing me undue stress and financial harm.
Product: Debt collection

company is trying to collect a debt that at first was a medical debt and since they couldn't collect it as a medical debt now they have change the informacion in this account to keep on trying to collect the same debt, i have send documents asking to validate it, never got a response back
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX XXXX on XX/XX/year> about a hard inquiry from a company named CBNA. On XX/XX/year> I received another alert from XXXX and XXXX about the same inquiry. I filed a dispute online with XXXX on XX/XX/year> and XX/XX/year>. Upon the completion of the dispute it stated that the information was accurate and it would stay on my credit report for years. I contacted XXXX on XX/XX/year> told them that I did not authorize that inquiry, I never heard of that company nor did I apply for credit or a loan and that I wanted it removed. They told me that I could reach out to the company to resolve it but there was no phone number to call. They told me to XXXX the company and that it was Citibank. They also said to file a report with FTC and once I have that report send it to them and they will remove it. I called the company told them the situation and they asked for my name and social security number. They checked and told me that they don't have anything in their system with that information.
Product: Mortgage

I have been working with the HAF program of Michigan ( MIHAF ) and am conditionally approved for assistance. The condition is that I coordinate the handling of the additional reinstatement balance of my loan that is beyond what the MIHAF program provides. 

I have applied for a loan modification with my provider ( Specialized Loan Servicing - Loan # XXXX ) but they are refusing to provide a modification option. Additionally, I was informed SLS would not consider the assistance from the MIHAF program in their loan modification review and based the calculation on the full reinstatement balance instead of the reinstatement balance less the MIHAF assistance.

SLS informed me that they received information from MIHAF on XX/XX/23 stating that MIHAF does not provide funds for loan modification assistance and would only provide funds for reinstatement assistance specifically. As a result, SLS is telling me that I must pay the remaining reinstatement balance in full, or that my only other options are to sell the property or deal with foreclosure. 

I spoke with my contact at MIHAF today and they assured me MIHAF does provide funds towards loan modifications.

It seems to me that SLS is unwilling to facilitate the MIHAF assistance, loan modification, and reinstatement due to the fact that the interest rate on my mortgage is below the current market rate.