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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit card

Related to complaint XXXX. 

CitiBank offered to review my account to reverse the credit decrease. I just got a letter explaining that they will not reverse the credit decrease. The letter is attached. In it, they state that I had XXXX late payments. The XXXX payments in question were XX/XX/year>, which was paid 6 days after the due date. This was still in the grace period as I get paid bi-weekly and needed to wait for my paycheck. This was reported to the credit bureaus as paid on time. The second payment in question is this month, XX/XX/year> ; this was paid today ( again, had to wait until Friday for my paycheck ) and was 5 days after the due date, still within the grace period. In addition, CitiBank is improperly recording payment history. This is shown in the second attachment. The payment history shown on my account only shows 2 months of payments : XX/XX/year> and XX/XX/year>. With both factors, it is clear that CitiBank is manipulating their determination in reversing the credit decrease. This also shows that CitiBank is manipulating the reporting to credit bureaus as well as their own payment history, shown on my account. As stated in XXXX previous complaints about CitiBank, they are circumventing credit reporting and crediting regulations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app due to inadequate customer service and unfair practices. Which violates the Consumer Financial Protection Act. Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive. As they did not comply with every resolution requirement under the Electronic Fund Transfer Act. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Student loan

My student loan has been sold from XXXX to Mohela an I have never received a message from Mohela regarding them having my student loans. The Student loan balance reporting on my consumer report is higher with Mohela than it was with XXXX. i am struggling and due to this high student loan on my consumer report it causes me so much pain an stress. I try apply for a home loans and I did not qualify because of the debt to ratio to high causing by the Mohela/XXXX XXXX  XXXX XXXX XXXX reporting on my consumer report. At this point I can not effort to make any payment nor qualify for a place to stay since lender has to check the consumer report. Even though the account is still showing good standing on my consumer report, it still effecting my and my family very bad and due to this recession things are getting harder for me and my family. I would like for these student loans to be update to zero balance on my consumer report so I can get qualify for a place to stay with my family.
Product: Debt collection

Requested original alleged contract with original alleged signature on the contract for the alleged item. Received a photo copy of a contract with no signature of mine. Please remove the item from my credit report for failure to prove the alleged item. No Debt Verification has been received. No original contract with signature has been produced. According to the FCRA Act incorrect items must be removed. Will report false collection attempts to the CA State Attorney 's Office.
Product: Vehicle loan or lease

My vehicle was totaled and paid off by insurance in XXXX. Within the last year Ally Auto has been trying to say I owe money on this vehicle that has not been my responsibility for the last almost 4 years. No word from them after insurance paid the car off and I received a pay off letter. But all of a sudden after 3 years go by they said I owe money, and I've been dealing with it for pretty much ayear now. After months of trying to figure this issue out, it was finally discovered and disclosed to me by an Ally Auto associate via phone call last month that they had caught a mistake made by a different associate around the date of my accident ( XX/XX/XXXX ). The mistake was this : Ally Auto received a check to apply to an account. This check was not sent in by me and was not supposed to be added to my account. Unfortunately the Ally Auto associate did not carefully read the account number and accidently added the payment to my account, even though it was sent in by another party for their own account. In the meantime, my vehicle was totaled. Ally Auto got the payoff amount for my account and set it to XXXX. XXXX appraised my vehicle to be worth more than what I owed so they paid the vehicle off in full. With no additional responsibility to me. However after XXXX paid this vehicle off Ally Auto had caught their own mistake, and instead of owning up to their own mistake and speaking with the employee who made the mistake of putting a payment into the wrong account, they decided to just take the amount out of my account after it was confirmed to be paid off and proceeded to try to say I needed to pay it. This is wrongful, not legal, and not to mention extremely unprofessional. I am sorry an Ally Auto associate made a huge mistake and costed the company, but that is not my responsibility. That is the responsibility of Ally Auto due to their own associate messing up. This issue needs to be resolved or the only option I will have is to take legal action.
Product: Checking or savings account

I called US bank to report a transaction that I do not recognize nor authorize. Customer service from US bank refused to provide any document related to the charge nor transfer my call to the fraud department to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORTXXXXXXXX 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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for neg
ligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Checking or savings account

I notified Paypal of an authorized charge on XX/XX/2020 of {$1900.00}. I contacted Paypal, notified them immediately, also blocked all Paypal charges from my financial institution immediately. 
They did not block the payment and now saying I owe them {$1900.00}. 
No way to login as they locked my account and only way to message is by logging in. I tried calling and emailing numerous and no replies.
Product: Mortgage

NATIONSTAR is manipulating the numbers ( costs ) shows on my ESCROW ANALYSIS. I received my escrow analysis on XXXX/XXXX/17 and it was incorrect because it showed PMI. I requested an updated escrow analysis be performed on XXXX/XXXX/17. With the new analysis, to my surprise, the result is the same : " There is a shortage of $ XXXX '' ; however, the new anticipated annual disbursement without PMI is nearly {$1000.00} less. So I need NATIONSTAR to explain to me what calculation do they do to estimate the lowest projected balance and the minimum required balance. I have both escrow analysis for review upon request.
Product: Student loan

2 issues : 1. ) Fedloan through the department of education is requiring a " wet signature '' of my employment certification form for public service loan forgiveness. In the past this has not been as much of an issue because our organization was not all teleworking due to COVID. Now this is an issue my office does not have the abilty to send it wet signatures. According to several supreme court cases electronic signatures are absolutely valid for this type of documentation especially if I can use XXXX XXXX authentication but fedloan refuses to honor a form signed in this way. 

2. ) Fedloan gives me no way to view how many qualified payments I have made on my student loans through Public service loan forgiveness. The only way to get a tally on the number of qualified payments is through re certifying my employment. I do this regularly because a large percentage of the time they get my number of payments wrong. 

Fedloan and DOE should 1 ) accept electronic signatures for these forms especially if they are federally authenticated and 2 ) provide a way to view how many qualified payments have been made on loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX continues violate the FCRA of 15 USC 1681n Willful Non compliance and 15 usc 16810 Willful Negligence. I have repeatedly aske them to remove inaccurate information from my report and they continue to not re investigate the inaccurate and incomplete information being furnished on my report. By The Credit reporting agencies own standards they fail to comply with the XXXX XXXX guidelines. I have again attached my proof of the continued non compliance of the XXXX XXXX.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

Northland Group has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Student loan

I am enrolled on the route to public service loan forgiveness through XXXX XXXX XXXX. When I initially enrolled I had 63 payments counted from my 5 years of employment for 2 separate XXXX. I am absolutely certain my employers qualified as I was a XXXX XXXX  employee. I am also absolutely certain my payments were under PSLF qualifying repayments using income based repayment.

I was placed under " audit '' around XX/XX/2017to verify my payments. I have called numerous times over the past year and they keep telling me that the audit takes more time and they have no further information.

This is unreasonable service to take so long to simply count my payments and not provide any further guidance.
Product: Credit card or prepaid card

My initial complaint was the following : I signed up for auto payment, which I had set up to pay the previous statement balance on the date due. My previous statement balance was {$1200.00}, and was due on XX/XX/23. I decided to manually pay it a few days prior, and on XX/XX/23, the full payment of {$1200.00} posted to my account, and the auto payment should have been cancelled. Auto payment did not successfully cancel, and they tried to take it out of my account again on the XXXX, but was returned because I had already made the payment, and I was hit with a {$30.00} return check fee. I contacted customer service right away, and they said I would get a refund for that fee, since auto payment should not have tried to go through. I waited a few days, and after not seeing a refund, I contacted them again, and this time I was told I needed to wait for it to be posted to my statement before I could get the refund. So I waited an entire month, and as soon as it posted to my statement, I reached out again, but this time I am told its a valid fee, and it will not be refunded. This was a mistake on their end since auto payment should not have gone through. I received a response saying my request was declined due to me updating auto payment after making the initial payment, and that an email was sent confirming I made an update for the auto payment to go through. Please provide a copy of this email, because I have no record of it, nor did I update autopay. The only update to autopay I made was to cancel it, because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2016 Loan Type XXXX XXXX XXXX Past Due {$700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX PLACED FOR COLLECTION 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 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
Product: Debt collection

In XXXX I paid the full amount of XXXX. In XXXX my balance decreased to XXXX. I called the company to say I paid them in full in XXXX which they agreed. They have told me numerous times to call back, or it will be off in another 30 days. I have called every month since XXXX. I am furious. Then I disputed it thru XXXX  they verified the account and that I still owed XXXX. Which is completely in accurate I called the company today to be told call tomorrow.
Product: Credit reporting or other personal consumer reports

I have sent this comapny a cease and desist this company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter the company is not legally blinded and or insured to collect in the state of TEXAS. Please have this company cease all collection activities this my last attempt to complain outside of court.
Product: Debt collection

Twice now, I received an email from this Columbia Debt Revovery dba Genesis, and on the very same day in fact, I received fishing texts from what must be an affiliate-or business partner offering to help resolve any debt I may have. It appears that my information from said company has been sold or given to to a debt resolution service without my knowledge or consent.
Product: Money transfer, virtual currency, or money service

Greetings. 

On XX/XX/2020, I received a total amount of {$4300.00} via XXXX in my checking account XXXX divided in two transactions : XXXX for {$2200.00} and the XXXX for {$2100.00}. These transactions were payments for virtual currency exchange made on XXXX trading market ( transaction XXXX and XXXX ). Immediately after I deliver the currency, an overdrew amount of {$880.00} appeared in my account, making impossible to use it. After a several calls to your fraud department ( claims XXXX and XXXX ), the only information provided is that my account was under investigation because the issuers of the XXXX transfers called to claim fraud for these transactions. 
On XX/XX/2020 the fraud department of Bank Of America rules in favor of the issuers, even when I prove with the ID of those persons, and localbitcoins conversation logs and transactions receipts, that those persons, in fact made the transfers. 
The direct result of your actions made me in the true scammed person with a total loss of XXXX and {$4300.00}. 
They didnt notice estrange that those transactions were claimed instantly just after I released the currency in trade. They didnt even comply with XXXX Terms and Conditions ( Liability paragraphs ) which actually resume that all transactions are final, and every account owner is responsible for their data security. With this behavior youre just giving scammers the opportunity to get the goods and the money, making XXXX an untrusted service. 
In a recent phone conversation, they promised to send me the report of their investigations and what actually received was two pages saying the funds for the transactions were reversed because of a fraud claim. Which leads me to believe that actually there were no investigation at all.
Product: Debt collection

I keep getting calls related to a medical bill for my son that occurred in XX/XX/XXXX. I paid the bill entirely in XX/XX/XXXX. I sent copies to XXXX XXXX XXXX in XXXX and XXXX showing not only the date of service but also that the copies of the cashed check. I've dealt with this now in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now again in XX/XX/XXXX. The debt was passed on to Affiliate Asset Solutions and I've had to start the entire process over. Every interaction I've had with XXXX -- including an XXXX and a XXXX was met with a very rude reaction to my questions and comments. While they " technically '' answered my questions they did so in a passive aggressive/attitude driven way. I feel as though I've being treated unfairly when I've actually gone over and above to prove that I've paid the debt they are attempting to collect. 

The final answer they've given me is that it's pending review and it will take up to 60 days and I will have no notification if the debt is closed successfully which is unacceptable to me.
Product: Credit card or prepaid card

I applied for a Macys American Express card and was approved today. I have tried to purchase a new sofa directly through Macys numerous times today using the card I was approved for and Citibank continues to deny the purchase. I have called 3-4 times and have spoken with every department. I have answered all their questions and have had the restrictions removed per my conversations and still can not use the card. I had my credit ran and received approval for this card and am being denied use of it. This is fraud. I would like the account closed and the credit inquiry removed. This is extremely frustrating.
Product: Mortgage

I had this identical issue at this time last year, and attempting to contact the mortgage company to get it resolved in a timely manner proved fruitless until I filed a complaint. ( Reference complaint number XXXX ). I did try to contact the company today, but was unsuccessful as it is a weekend. Because this issue has not been resolved from last year, and in an effort to get it resolved immediately and avoid unnecessary frustration, I am foregoing further attempts to contact the mortgager and will simply repeat the process that got the results last year. 

My property taxes were due on XXXX. Today, XX/XX/XXXX, I received a mailed notice that the taxes had not been paid and will become delinquent on XXXX. Based on prior experience, I am concerned that attempts to contact the mortgager about this on my own will not be fruitful, or that I will not have sufficient time to take any further action I need to take ( if any ) once they respond. 

I am hopeful that the issue can be resolved comletely this year and that I won't need to repeat this complaint process next year.
Product: Vehicle loan or lease

Sold me a bad car then went out of business would shut off my car and I wasnt behind on the note or anything didnt honor my gap or insurance canceled everything without any notice sold my information to a another company without my permission the list goes on horrible company horrible horrible horrible