23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Land lord XXXX XXXX is sueing me for false charges of theft and fabricated/forged a move out check list for validation. We moved out as of XXXX debt was {$1000.00} The debt has been passed to Metro collection services in XXXX Colorado in who claims the debt is valid with proof of the forged/ fabricated move out check list. ( Here say ). Metro sent many notices very rude, aggressive threatening to contact my employer. XXXX our case manager is just a bully saying things like " it doesn't matter if it's valid the courts sides with the property owner. " Sending carriers to my house/place of business with payment request. the last XXXX on XXXX was requesting {$1100.00}. {$79.00} of added interest. Metro collections are sueing all three tennents individually and essential trying to collect 3 times the amount that is own plus interest. I responded with a dispute letter denying debt based on false claims of theft forged/fabricated documents. I sent a ceist and desist letter as well requesting a court summons stating that I don't believe the debt is valid and their proof is not acceptable. They have still not pursed this in court and continue to harass me at home and my place of business. They have also place a negative mark on my credit based on fraudulent claims from XXXX reality.
Product: Mortgage

I submitted a request to get refi-mortgage options and was called by Quicken Loans on XXXX/XXXX/15. The same day the loan was setup. I had said that I wanted a 30 year fixed with {$0.00} at close and {$0.00} out of pocket. I was told from Quicken Loans representative that it could be done and began delivering information that they requested of me. By XXXX/XXXX/15 they had all docs and was sent to underwriting. Over a month went by and then I received a call from QL stating that I would need to bring bring money to close. ( approx XXXX ) I began asking how this could happen and explained to them that was n't our deal. I was told that I could step away from the refi in which I explained that rates had moved and I could not get the same deal with another mortgage broker. ( I was offered the same deal at the start of this process with another mortgage broker but went with Quicken Loan after they said via email " If I commit to there company right now they could do the same deal '' ) Now I am stuck with a deal which much different than what I was told with a higher interest rate/monies atclose and QL loan appears that they did nothing wrong. Even though they said they made a mistake as all of the calls are recorded. It appears that they bait and switch you and use predatory practices to get you in the door. I think its very unfair and that they have no integrity. I have some email communications that I cant save down from my yahoo account. Please let me know and I can forward them on.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX used my social security number personal information to access my XXXX online banking accounts and transferred atotal of {$44000.00} to a joint account ( XXXX ), then transferred that money to a personal account under XXXX XXXX ( XXXX ). Afterwards, it wastransferred a BMO Harris account in my name ( I never gave him any type of permission. 

I have contact BMO Harris multiple times - XX/XX/2023 at XXXX PST XX/XX/2023 at XXXX PST, XX/XX/2023 at XXXX PST, and as most recent multiple times in XXXX. 

On XX/XX/2023, I was able to confirm with the XXXX that there was an account with my social security number and that there was an amount transferred to them on XXXX I have tried multiple times to shut down the account and they still refuse to work with me.
Product: Mortgage

In late XX/XX/XXXX, we were approved via our insurance company to receive {$12000.00} to put towards the replacement of our roof that was damaged during a hurricane. The insurance company issued the check to us but said our mortgage company had to endorse. They said it's a quick process just mail it to them and they'll mail it right back. After the roof was complete and I received the check from the insurance company, mid XX/XX/XXXX I think, I sent the check, the letter from the insurance company verifying this and the receipt to prove the roof had been replaced to XXXX. They advised us that we would only receive 90 % until the roof was complete. I called them to confirm it had been completed a couple months prior. They said they had to send an inspector out to approve the completion before we got the last 10 % owed. The inspector wasn't sent till mid XX/XX/XXXX, he spoke with my husband and said it look perfect we should be getting a check shortly. When the end of XX/XX/XXXX came about and we had not received it, I called XXXX to get an eta. They advised me our mortgage was given over to Flagstar Bank and all the claim information went with it so they were now responsible for paying us this final amount. I called Flagstar and they said the transfer wouldn't hit till XX/XX/XXXX. So I called after that this date and Flagstar said there was no information regarding this claim that it would take longer for all the information regarding our mortgage to arrive. I called a week or so later and spoke to someone in Loss Draft and at first he said he didn't see anything but then said he did see something was pending. He asked me to send him the report outlining the payment approved by the insurance company. I scanned and emailed it. I then got an email stating that the document I send was insufficient. I called to talk again to Loss Draft at Flagstar yesterday and was told they were down so the representative refused to pass me along. This is when I decided to come to you. It's been going on for months, I gave XXXX everything they could possibly need to approve this final amount of {$1200.00} and it was approved by one of their inspectors. I am NOT going to resubmit everything because these institutions can't get their acts together. My roofer is waiting on this money that came from the insurance company not the mortgage company!. Why are the banks refusing to complete the approved amount!! In my opinion, we should have been giving this money prior to the mortgage transfer.
Product: Credit reporting or other personal consumer reports

The two accounts below are paid in full. they have been paid in full for a month and they refuse to change even though I have proof they are paid off. 

XXXX XXXX XXXX XXXX Balance details 8 % paid off Balance {$36000.00} Balance updated XX/XX/year> Original balance {$39000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXXXXXX XXXX Account type Auto Loan XXXX XXXX XXXX XXXX Balance details 8 % paid off Balance {$32000.00} Balance updated XX/XX/year> Original balance {$35000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXX XXXX Account type Auto Loan
Product: Credit reporting or other personal consumer reports

SOmeone attempted to open a card in my name. Want to report fraud
Product: Debt collection

Please review the attached docs. 

Please remove fraudulent items on my credit report.
Product: Student loan

XXXX  aka XXXX XXXX XXXX , XXXX, called my father and left threatening messages and where I was about a student loan serviced by Navient. The person really upset my father, as not only did he know where I was, he was being called and threatened. My father is willing to make a statement about the constant phone calls threatening him and I. I got the number of the XXXX collector, and he told me I had to pay {$18000.00}, with a total due of {$19000.00}. I was at the time homeless and in XXXX  with the Veterans Administration. I had also applied for Federal Loan Forgiveness, ( XXXX Discharge ) and it was approved. I negotiated two payments of {$3200.00}, ( {$6500.00} ) which was debited from my savings by Navient not XXXX. This was all a shady collection tactic because I believe they knew that Navient was about to forgive all of my private loans once they were contacted by XXXX ( XXXX XXXX XXXX  ) & The Dept. of Veteran Affairs. I think that XXXX  new this was the case but still took the money which is unfair. My father is still traumatized by the nasty collections tactics they did, in which nasty and threatening conversations were threatened towards me via my Father and directed at my Father, with threats that if he is harboring me then he is liable. I was getting treatment for XXXX and XXXX XXXX from Military XXXX XXXX ( XXXX ). ALL other Navient Private Loans were forgiven as soon as they were contacted by XXXX that I was awarded a XXXX  ( XXXX XXXX XXXX XXXX XXXX ) and Navient was also contacted by the Department of Veteran Affairs. I was homeless and then at the VA 's Domiciliary at the time. I spent 21 years intermittently homeless due to untreated XXXX from Military XXXX XXXX.
Product: Bank account or service

On XXXX XXXX, 2015 a transaction occurred on my checking account that was completely unauthorized. {$2500.00} was debited from a business that had my card information. I called TD Bank immediately and spent the better part of XXXX hours trying to get through to someone who could put a hold on the transaction, as it was currently " processing ''. I was told by multiple persons, in multiple departments that although every other bank can process a typical " stop payment '' that TD was unable to do so, and I would have to wait until the transaction processed in order to proceed with any kind of reversal. The merchant has no receipt, no invoice, no signature, no verification whatsoever of the transaction, refuses to answer my calls, and TD Bank has refused to do any legitimate investigation and get my money returned, though I provided a full account email to them, faxed verification, and was told within hours of submitting all my information that they were not interested in helping, and that I would have to contact the merchant. The same merchant who will not respond, and this has put me on par with being told the house break-in victim has to contact the burglar.
Product: Mortgage

I closed a NACA home loan in XXXX of 2015. Because the seller was not willing to make repairs to items a NACA certified home inspector required to be fixed, NACA impounded or held back XXXX dollars for these repairs after closing. These reapairs must be made by NACA certified contractors. 
After repeated requests to NACA for NACA certified contractors, they have ignored my requests after providing me with contacts that either do not do business with NACA anymore due to non payment or do not work in the specific trades needed to make the repairs. This has left my home unsafe for many months including exposed electrical and improper plumbing. I do not feel safe in my home and am fearful failures in my home based on the home inspector 's report will lead to additional issues that I can not be financially responsible for. Additionally, I am paying interest on these funds that have not been utilized for my benefit in the meantime. I alerted NACA last week or so that I would be reporting them to the CFPB if they ignored my request which they have.
Product: Checking or savings account

I opened a money market 360 account with Capital One in order to obtain a bank account bonus of {$500.00}. The bonus code was : XXXX and the terms were to deposit {$50000.00} or more by XX/XX/XXXX. It did NOT state the balance had to be above {$50000.00}. I completed {$50000.00} in deposits on XX/XX/XXXX. I called on XX/XX/XXXX to see why my bonus had not been paid. They claimed it was because I had not obtained a balance of {$50000.00} even though this was not stipulated in their terms and conditions. The terms and conditions are attached below : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. 
When you open your account, enter your promotional codeXXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). 
If you have or had an open savings product with Capital One after XX/XX/XXXX, youre ineligible for the bonus. 
This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. 
Bonus is only valid for one account Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Product: Checking or savings account

I have an account with Regions Bank. On XX/XX/2020 an unauthorized ATM transaction of XXXX dollars was made and I reported this the same day if not the next day after it happened. I called three days before filing this complaint to get an update on my case. They said that it was concluded and determined that this transaction was valid. I asked for evidence and validation of this transaction and they failed to give me such information, given I also have a police report regarding this and which they also refused to accept because the case was already concluded. I asked for upper management and they also refused to help me. This not right, given that this was an ATM transaction and there is video footage that they can easily verify and provide evidence regarding this false transaction that now I am being unjustly responsible for.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Opened : XX/XX/2016 Balance : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602A I have the right to privacy 15 USC 1681 section 604A It also states a consumer reporting agency can not furnish an account without y written instructions
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies have a responsibility to report all information with complete accuracy. This account has not been late on payments I've attached a cope of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) I'm now requesting that you investigate and provide verifiable proof with records showing that I had late pavments. If this information can not be verified I demand that these late payment be updated to paid on time immediately. Thank you for your understanding and prompt action. 


15 US CODE 1666B ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance Owed : {$71.00} XXXX  XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  XXXX Balance : {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is refusing to dispute information properly. They are showing incorrect information, on merged information. Refusal to give proof of filing a dispute. Refusing to verifying information they are stating that is correct. Their report number is XXXX I want from them 1. A full, and complete copy of any, and all paperwork. A full copy off all files showing all original signatures, ID, compleat paperwork, and current report.

2. Certified documentation used to verify information.

3. Who the information was obtained by, and where it was obtained.

4. Undeniable proof of fraudulent, and erroneous information on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 18 months, XXXX has been incorrectly reporting derogatory late payments to my credit files. For the month and year listed below XXXX erroneously reported between 60 - 150 days late. According to XXXX customer reps, they only report an account late after three billing cycles. To date, I have gathered supporting documentation showing all canceled checks and or debit card transactions for payments under my rate reduction program. Derogatory late months are shown on my credit report ; XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XXXX XXXX. Each of the fourteen accounts with XXXX  shows a mixed bag of derogatory lates ranging from 60/90/90/90/120 or 150+ days late. For the Months of XX/XX/XXXX - XX/XX/XXXX, XXXX has granted me a national disaster forbearance, but they are still reporting derogatory for said months
Product: Credit reporting, credit repair services, or other personal consumer reports

In either   XX/XX/XXXX  or  XX/XX/XXXX   I applied for a credit card with  XXXX    XXXX   Account #  XXXX . I then had a medical issue and went to the hospital followed by an extended stay for  XXXX . In   XX/XX/XXXX  I wa s made aware by  XXXX   XXXX  that my account was past due {$130.00}. These charges were for a {$75.00} annual fee followed by late fees. I told the representative that I was in the hospital and #  1 NEVER RECEIVED THE CARD AND # 2 NEVER ACTIVATED THE CARD. When I questioned the represe ntative as to how they could charge me without ever activating the card the representative agreed that this was a mistake and apologized and told me not to worry about any charges, that my account with the company would be closed and balance brought to {$0.00}. Although   XXXX   XXXX   updated the balance to {$0.00} on my credit reports they are still reporting a 30 day late payment on my credit for   XX/XX/XXXX  . I tried calling them again and even contacting the  XXXX  cred it bureaus (  Experian,  XXXX ,  and   XXXX   ) but,  the late payment is still there! How can this company report a 30 day late payment for a card I never received and NEVER ACTIVATED and ruin my credit!!! I 'm trying to buy a house and they are causing me undue harm. I 'm going to have to extend my lease instead of buy a house all because of this companies fraudulent activity and scam of trying to get money from me without me ever activating the card. Please help me get them to remove this late payment of my credit report. This company is a SCAM and the reason I 'm not in my own house right now!
Product: Bank account or service

I have been a client of Wells Fargo for over 10 years and just received I have noticed some unfair business practices in comparison to my other banks. I have a checking account and debit card associated with my account. For the past few months I have noticed that Wells Fargo will hold transactions until close to midnight. This has happen ago on XXXX. 

I had a total of {$30.00} in my account Wells Fargo, I had a check ( dated for XXXX ) post to my account late on the XXXX. I did not receive my " account notification '' of this posting until XXXX. I immediately transfered money over, and Wells Fargo again posted a {$35.00} overdraft fee on my account at XXXX. 

This year alone I have paid over {$730.00} due to these practices. My previous complaint result in only a {$280.00} refund of these fees. And again When I spoke to someone about my concerns they explained that transactions post when they occur, which has NOT been the case for my account and i have even requested for an email to be sent when my account goes under {$50.00}. My notification came hours later! 

I also have a XXXX XXXX XXXX and XXXX account and I have never experienced them holding transactions until close to close of business. My transactions posted shortly after I use my card and any ACH cards are posted earlier in the day. Which, if over drafted, I have to opportunity to make cash deposits that post immediately.
Product: Vehicle loan or lease

I financed a XXXXXXXX XXXX XXXXXXXX XXXX from the XXXX dealership in XXXX XXXX  XXXX FL. I obtained financing from the dealership, through Santander Consumer Financing, and completed the package onsite. The financing package ( attached ) included a GAP waiver, which stated that, in the event of a total loss, the financing company would stop collecting payments. In XXXX, XXXX, I was trapped in the flash flood emergency that hit XXXX. I drove into an unmarked area that was flooded and was ultimately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX before climbing out the window. Needless to say, the car was totaled. I filed a claim with my vehicle insurer, who made payment to Santander in the amount of {$13000.00}. Following that determination and payment, I received acknowledgment from Santander that I had " GAP waiver/insurance. '' In spite of the fact that my documentation clearly identifies the product as a GAP waiver, I did reach out as instructed by Santander, following which XXXXXXXX XXXX, issued payment to Santander in the amount of {$3000.00}. This payment was not accompanied by any explanation of benefit, nor any limitation ( which you will note are also not described in the financing paperwork ). Notwithstanding, Santander continues to show a balance in my online account, as well as on my credit report, and, worst of all, shows it as several months past due. I have filed disputes with the credit bureaus, and sent letters to Santander, with no response other than confirmation. Is it possible that they can just hold my credit hostage to bully me into making payment that I paid to have waived? Please help!