23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A Cease and Desist order was place on this company after many threats to take legal action. I spoke with a representative prior and notified them that the account was in dispute due to unfair and innacurate charges and alleged amounts. This company has sent letters to my home with threats to take legal action. I spoke with a representative on XXXX at phone number XXXX where they threatened to take legal action if I did not pay the alleged debt, after stating there was a cease and desist order with this company he preceded to continue to ask me to pay. Under title 15 usc 6801. Protection of nonpublic personal information states each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 
15 U.S. Code 1692e.False or misleading representations, also states that A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

This company has caused me great stress due to the above violations. 15 U.S. Code 1681q.Obtaining information under false pretenses states that Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. I am demanding I be compensated for the above violations stated in 15u.s code 1117.
Product: Student loan

I called Aidvantage twice to inquire about a refund on my student loan payments. My first call was on Friday XX/XX/XXXX. The rep I spoke with was very impatient with me, continually cut me off, and rushed me off of the call. Each time I asked a question, she literally huffed like it was an inconvenience to even be assisting me. I even told her Im sorry that Im inconveniencing you by having questions, I know that youre probably swamped but I really dont understand how all of this works. 
I hung up feeling very flustered and confused about what to expect going forward. 
After reading online that I ought to give it a couple of weeks to follow up, I called Aidvantage again on Tuesday XX/XX/XXXX. This time the rep said All I can tell you is that your refund is being processed. Were so backed up that theres no way for me to update you other than that at this time. While this man was much more pleasant that the first woman I spoke with- he had ZERO information for me whatsoever. He went on to ask me how the liquor laws work down here in South Carolina. He wanted to know if its easy to buy booze at the local stores and/or on the weekends, and then went on and on about his struggles with it up in Pennsylvania where he lives.????!!!?! 
I, again, hung up feeling like I got nowhere with the reps at Aidvantage. I can only imagine the sheer volume of calls they must receive, but there has got to be a better way to service those of us that are due money back. 
For many people these days, the struggle is real. Im a XXXX mother of XXXX. The rising costs have us barely getting by. I would be so grateful if someone could please look into my refund request and help me with obtaining my refund as soon as possible. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX was replaced by XXXX XXXX.XXXX XXXX will no longer exist on my credit report. But since XX/XX/XXXX all 3 credit bureaus are reporting both XXXX and XXXX accounts with the same information.Two accounts same balance but different names.I have disputed this information with all 3 credit bureaus twice and results are it belongs to me.I have contact both XXXX and XXXX, XXXX tells me to contact XXXX and XXXX tells me to contact XXXX.I got answer from XXXX starting XXXX will be deleted from credit reports XX/XX/XXXX still there as of now.But I have spoken to 3 managers at XXXX plus customer service over 9 times .Everybody there is giving me the runaround everyone keeps telling me different things I will receive a deletion letter concerning XXXX XXXX and they will send to credit bureaus. Now XXXX XXXX  has been telling me this since XXXX it's XXXX this weekend. I'm in the process of buying a home and my escrow is at a standstill due to wrongful information on my credit report. I asked XXXX can they send me a letter saying that XXXX no longer exist so my escrow for my home can continue never received nothing. XXXX XXXX doesn't care about what they are doing to customers. But let me miss payments my credit limit will be lower or account closed.I am so stressed out and frustrated due to credit bureaus not listening to me and XXXX XXXX know they have been reporting the wrong information for months but they don't give a XXXX!
Product: Credit card

Hello, Ok XX/XX/XXXX I contacted Continental Finance regarding two credit cards I needed to enroll into a financial hardship program and I wanted to close both accounts ( a XXXX XXXX and a XXXX  card ). I spoke to an " XXXX XXXX '' regarding this process. She supposedly enrolled me, told me all fees would cease except a 5 % APR rate as long as I made the first two fixed payments by XX/XX/XXXX. One for the {$110.00} and the other was for {$110.00} until the cards were paid off. I agreed. I made the first payments on both accounts on XX/XX/XXXX. Then I checked my next billing statement and I saw fees were still accruing ( late fees, monthly maintenance fees, and the high APR ). Nothing was adjusted and the accounts looked to remain open. So I thought maybe it takes another billing cycle. So I may the next payments on XX/XX/XXXX. Checked back XXXX statements and the same ( nothing had changed and all fees still accruing ). I called back on XX/XX/XXXX and spoke with XXXX again, she then said I had to make 3 total payments to be considered enrolled in their program. This was NOT what was disclosed on the first phone call. I was the. Upset because now the balances had increased almost 10 % on what was originally owed. She assured me that after I make the XXXX payment, the XXXX statement would reflect the changes and all the fees would be credited. Well I paid XX/XX/XXXX both accounts, and guess what. Nothing has changed. I called back on XX/XX/XXXX and got a " XXXX XXXX '' which I'm sure is the same lady from the first two calls. And she said she made a report and to call back or I would get a notice within 72 hours on XX/XX/XXXX. With their results of the reports with my options. All of a sudden I am getting settlement emails asking my to pay half my balance and all with be forgiven! What happened to the financial hardship plan I enrolled in on XX/XX/XXXX?! This company is not honoring their programs and using predatory practices to scam people out of what little money they have when they are trying to settle the debts before it goes to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
My current address is XXXX XXXX XXXX, XXXX, IL XXXX pleased delete the following address they are not mine : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX my current and ONLY NUMBER IS ( XXXX ) XXXX I have never even had the following phone numbers please delete remove : ( 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transition, XXXX and XXXX ) about a recent collection notification on my credit report. Each collection agency has not provided adequate customer service to address the issue. In each instance, my inquiry is sent to various service agents. Eventually, my call is terminated after more than an hour on hold.

Summary of issue : The collection agencies indicate that there's an outstanding debt of {$600.00} being sought by XXXX XXXX XXXX XXXX. Further investigation on my part concludes that this is a fraudulent effort by the original inquiry company XXXX XXXX  ( a leasing company ) to force payment on a non-existent debt. The debt in question is an administrative fee imposed by the leasing company ( XXXX XXXX  ). This is a retaliatory effort, since I submitted a request for leasing reimbursement. The reimbursement was to address non-compliance of a leasing agreement. I have attached my original reimbursement request to XXXX XXXX  for reference. This amount remains outstanding. Since they are a business entity, I am unable to follow suit with regards to reporting. In addition, I have never been contacted by the collection agency about the outstanding debt. Neither have I been provided the opportunity to showcase evidence that this is a fraudulent effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my accounts that are outdated removed from report. They are all on the closed account list.
Product: Mortgage

I set up autopay and bank did not withdraw funds while my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Truist is at fault. Bank ERROR! They will not fix or remove incorrect information from my credit file. 

Truist is not well run. The bank merger is well known to be problem. All you have to do is search and hundreds and hundreds of other people report the same problem with the bank. Even during the latest bank investor conference the CEO admitted their bank technology needs to be updated. TRUIST has a problem and won't admit the autopay did not function as it was supposed to. 

I am very upset. 

I have tried to speak with Truist. I have complained on here repeatedly. 

TRUIST not only did not withdraw payments for the mortgage they also have reported different information to different bureaus and incorrect in part. Trying to bank with Truist is a nightmare. Truist DOES NOT CARE! How can Truist run ads and say what they say to shareholders? 

I have screen grabbed info from the shareholder meeting. I also grabbed other peoples complaints online for the bank not processing payments and employees complaining about the bank technology not working. TRUIST did not process while my family was going through a horrible death in the family. AND now I am having to write complaints about the problem TRUIST created.
Product: Mortgage

My job was eliminated on XX/XX/XXXX 1. Wells Fargo ( XXXX ) placed me on Forbearance program for 1 year 2. I regained employment in XX/XX/XXXX and requested a Modification 3. The first Modification returned with a first payment of {$25000.00} which I could not make. 4.The next Modification came back with a first payment of {$50000.00} and the 3rd {$65000.00} 5. XX/XX/XXXX I filed a Chapter XXXX paying the court monthly payments towards the arears. 
5. My position was eliminated again XX/XX/XXXX and I regain Part time employment in XX/XX/XXXX. No mortgage paid since XX/XX/XXXX 6. Consumer Link worked with Wells Fargo until they received a call in XXXX stating they were no longer going to negotiate with them because my home now had equity ( they were paid monthly for a total of {$2800.00} and I received {$970.00} back when XXXX refused to continue to negotiate. 
7. Several more bankruptcies were filed to keep my home out of foreclosure 8. XX/XX/XXXX, I signed a retainer with XXXX XXXX XXXX from XXXX XXXX, California ( retainer {$2500.00} ), total {$5300.00}. They have done nothing except collect documents from me and tell me I need more income. I have had two brief telephone conversations and no updates. 

My home was scheduled for Auction on XX/XX/XXXX at XXXX XXXX, I filed a chapter XXXX Bankruptcy at XXXX XXXX and notified their attorney 's office to stop the auction, and my home was sold in spite of the Bankruptcy. I was not notified by Wells Fargo that the Auction was not postponed I discovered that information several days later when I called XXXX to discuss options going forward since XXXX XXXX XXXX was doing nothing except waiting for me to get a job. I do have some income from XXXX and two retirements ; however, I do need to get at least a Part- time job. Unfortunately, even though I have two masters Degrees, I am XXXX years old, and it has been very difficult to find employment. 
I have spoken with WFHM Corporate and requested a written response explaining why the Bankruptcy was ignored and why I was not notified that my home was sold after I filed the
Product: Mortgage

My closing date for my mortgage with Carrington Bank was XXXX XXXX. It is now XXXX XXXX 2015. After being told it was clear to close over XXXX weeks ago by my broker, it is still not closed. Every day they keep asking for something else and why was n't this asked XXXX MONTHS ago. I signed the contract on XXXX XXXX and my closing date was supposed to be XXXX XXXX, 2015. My concern is they keep questioning me about my status with my divorce and I was FORCED to file for divorce because of their internal " guidelines '' and just on Tuesday I was asked why I was getting a divorce and to explain my reasons to them. I have been so upset about their questioning. I think the Mortgage company has crossed the line by asking for my reasons why a divorce.
Product: Money transfer, virtual currency, or money service

I was never able to pull up the Zelle app when I needed it. Someone sent me money and it took over 48 hours and I had to wait for it to show up in my XXXX account. I tried to log in on the Zelle app but it never allowed me to because I already linked my Zelle with my XXXX app.
Product: Debt collection

This company XXXX XXXX contacted me about account that they stated I owed due to overdraft fees to XXXX from 2009, this account was resolved and closed which I told them. Not wanting to deal with the shouting, arguing person, I stated I would just pay it and be done, he offered me a 40 % discount I stated I would pay at 50 % of the amount. He agreed. I offered him my credit card if he agreed to furnish me with proof of the debt because I told him I was tired of telling him I had never received anything g from him. He refused to send me anything, which I understand I am entitled to a validation, he also refused my credit card and insisted on my checking account number. I told him I was looking his company up as we were speaking and everything I was seeing was that he was scamming me and that if he as legit he would have no problem sending me the validation even over night if need be. I offered him a money order, a cashiers check, wasnt having it, had to be my banking account. He told me he was done with me and that the attorneys were coming after me and my bank accounts. His last name was XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud. I previously viewed my consumer report with numerous of fraudulent inquiries. I had also filed a FTC report stating that the inquiries are fraudulent but there hasnt been no update since XXXX of 2024. With The Fair Credit Reporting Act 15 U.S.C it regulates the accuracy, fairness and privacy for the consumer. I had contacted all 3 bureau and still havent made any contact.
Product: Payday loan, title loan, personal loan, or advance loan

Before i signed the lease agreement, on XXXX XXXX, XXXX, I was informed by an agent that I qualified for cash price option in the amount of {$640.00}. Recently, i spoke with numerous other agents and was informed i don't qualify for the cash price because i live in the state of XXXX. It would've been nice to know that before i signed the lease. I'm requesting a refund in the amount of {$710.00} because i was swindled into signing the lease agreement.
Product: Credit reporting or other personal consumer reports

They keep telling me these accounts have been verified true but they havent provided a wet signature or any contractual agreements this is defamation yo my character and is causing a lot of financial problems like trying to buy a home and I cant because of inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

Did a dispute but it came back saying it was accurate. According to 15 USC 1692g they have to validate my debt using consumer law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several CFPB complaints and disputed an account/tradeline with Experian. Experian has returned with the conclusion that the account I am disputing does not exist on my credit report ( see p. 45 ). The accounts can be matched by the account/tradeline as reported and the amount allegedly CO ( see p.1 and p. 32 ). The account was wrongfully charged-off due to the misapplication of payment ( s ) and this can be seen in the attached documentation, especially on p. 23 - 34. The last payment amount reports as accurate, but was misapplied to another account, thus causing charge from balance to loss ( see p. 33 and 34 ). Creditor explains when an account is CO the account number changes because the account is moved to a separate system ( p. 36 of attached docs ). The account was wrongfully charged-off due to no fault of my own. Althouh the creditor stopped the erroneuous payment status ( CO ) annotations from reporting after XX/XX/XXXX, they did not correct the history from XX/XX/XXXX through XX/XX/XXXX. Even if the CO annotations as reported are " technically '' accurate, it is misleading because it leads potential lenders ( and lanlords ) to believe I was the cause of the CO to occur -- I was not. The case law in my Federal district makes clear that reporting of false/misleading information violates 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : Twumasi-Ankrah v. Checkr , Inc. , 954 F.3d 938, 943 ( 6th Cir. 2020 ) ). It has done just that as I have been denied housing based upon this information being present in my Experian credit file. Yet, Experian claims the account does not report. This account/tradeline needs to be removed promply, otherwise Experian can expect to be sued in Federal court.
Product: Debt collection

I received a debt collection from this company. On my credit report it shows the original creditor as XXXX. I never received a final bill from XXXX and traded my phones in so Im not sure what the amount owed is for. I attempted to contact the debt collector by mail with an offer letter to pay to delete, I dont want this on my credit because I plan to purchase a house soon this year. I sent the letter certified on XX/XX/2021 the letter was received and signed for but I never received any response back, its been over 30 days and still no response from the debt collector. 

I called XXXX the original creditor to get more information but the representative did not have any information to provide, was told to reach out to the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires from Credco on XX/XX/XXXX I never applied for credit. I never applied for credit on XX/XX/XXXX with Credco. I also have inaccurate information reporting. Account # XXXX is inaccurate, Account # XXXX is inaccurate, Account # XXXX is inaccurate, Account # XXXX is inaccurate is inaccurate, Account # XXXX is inaccurate. XXXX XXXX XXXX XXXX I never applied for credit with this company on XX/XX/XXXX.
Product: Credit card or prepaid card

My Capital One account XXXX was closed without notice. I was not called or emailed about account. 

My checking account was hacked and my account was closed. So my payments that I had submitted did not go through but no one from Cap One contacted me to verify anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the current situation of the COVID-19, I attempted to gather the free weekly credit report from Equifax via XXXX XXXX XXXX Despite entering my information, I encountered an error where it said that online delivery of the credit report is unavailable. I encountered this same issue a few months ago and still experience it.
Product: Credit card

1. We informed PenFed Credit Unin on XX/XX/2024 that all credit and or debit card charges made on XX/XX/XXXX and XX/XX/2024 were not made by us and were fraudulent charges. 
2. All monies taken out of our checking and or savings accounts on XX/XX/XXXX and XX/XX/2024 were not made by us and were fraudulent.

3. PenFed Credit Unin informed us of the following charges all of which were fraudulent : Date of charges on XXXX XXXX : Amount {$500.00}, time XXXX ( address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY ), Amount {$500.00}, time XXXX ( address XXXX XXXX XXXX XXXX XXXX XXXX, NY ) ; Amount {$4900.00} time XXXX, ( address XXXX XXXX XXXX XXXX XXXX, NY ; Amount {$540.00}, time XXXX, ( address XXXX XXXX  NY. ; Amount {$2400.00}, time XXXX, ( address XXXX XXXX XXXX XXXX ) ; Amount {$3700.00}, time XXXX, ( address XXXX XXXX XXXX XXXX XXXX  NY . 
Date of charges on XX/XX/2024 : Amount {$500.00}, time XXXX, ( address XXXX XXXX XXXX XXXX XXXX XXXX NY ) ; Amount {$1200.00}, time 9:20AM. 
We request that all monies taken out of our savings and checking accounts be restored by PenFedCredit Union as soon as possible.

We request that all fraudulent charges be removed from our credit cards or debit card.

Please note my wife and I have never had or used a debit card.

PenFed Credit Unin has blocked our accounts so we are not aware of any additional charges that may have been fraudulently made.