23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am trying my best to set-up a payment plan to keep my account current. I called Navient on XX/XX/XXXX, and I was set-up to make a lower interest and lower payment for a year beginning XX/XX/XXXX, to XX/XX/XXXX, for 6.50 % interest and monthly payments of {$190.00}. I have to cancel my electric bill payment to cover the XXXX payment to keep my account current per Navient in order to qualify for the payment plan if I paid before the XXXX of XXXX. I explained briefly to the customer service that I get paid on the XXXX of each month, if you take the money out before the XXXX, the bank will reject the funds. Unfortunately, Navient still take-out the money before the XXXX which resulted the funds to be insufficient and I have to pay several bank overdraft fees. I submitted this issue to Navient advocate department on XX/XX/XXXX. Today I received an email form the advocate department stating that they can't assist me with my complaint after waiting for almost a month. Meanwhile, I still made a payment on XX/XX/XXXX while waiting for the advocate department to resolve this issue. To my surprised, I got notification from the mail today that I owed over {$900.00} for late and fees without considering that they breach our agreement to take funds from account of the XXXX of month.
Product: Student loan

My husband and I both have, and have had loans through XXXX XX/XX/XXXX. We have both on several occasions set up, online, and over the phone automatic payments. 3 times. Once I tried. Twice he has tried. All three times we receive late notices through the mail with late fines attached. I am convinced this in on purpose so they can collect the late fines. The last time we called, they refused to answer their phones, and put us on a call back list. Four days later they have still not called us back. The last letter was XX/XX/XXXX. It says we have 15 days to pay. The last, of many, phone call we made was on the XX/XX/XXXX. XXXX XX/XX/XXXX says my husband owes {$85.00}. The letter also says we are fourth-five days past due. But we were living under the assumption our automatic payment had been set up, and that the bill was coming out of our bank accout. No email, to my knowledge was sent, and no phone call to notify us of any card number discrepancy or name misspell. Just a letter, already late, telling us we did not even try to pay. I am very frusterated and I would not wish this lack of customer service on anyone. It feels as though there are no humans running their business, only faulty computer systems.
Product: Vehicle loan or lease

Our Company purchased a truck financed through Bank of America in 2019. I am the personal guarantor on the company loan. The vehicle was supposed to be on auto pay from the time of purchase. On XX/XX/2019 the loan was reported as past due and missing payments. Neither My self personaly or the company controller was notified by B of A of the delinquent payments or that the vehicle was not on auto pay prior to the report being filed. I met with our small business banker XX/XX/XXXX after getting the loan paid current to get the auto pay issue resolved. After the meeting our banker emailed me stating the auto pay was in process and the derogatory remarks were being removed. This email was backed up by a call on a recored line in which our banker stated that the issues resulting in the negative reporting were a bank error and should be removed. As of today XX/XX/XXXX the auto loan is still not set up for auto pay and B of A is refusing to correct the credit report. The emails and calls were corroborated by our small business banker to the escalation department at bank of America.
Product: Debt collection

The company keeps repeatedly calling me even though Ive emailed them twice to stop calling me and only communicate with me via email. I also asked for proof of debt which they havent sent but yet keep calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft, I submit the police report my ID, proof of address, government id, basically everything they require and they still have not remove inaccurate items from my credit, even with the XXXX cancellation of debt due to ID Theft. I do n't know how companies investigate, I do n't think they read the information they request or they do n't properly investigate. Please see previous complaint ID # XXXX, XXXX, XXXX. I have been emailing proof that. <P/>XXXX XXXX # XXXX this account is not mine, and XXXX verifies with XXXX with XXXX, at XXXX on a verbal verification that this account is not being reported, that it should be deleted. Even when they did the verification over the phone and the account is still reporting on my credit. It 's a shame they do n't follow laws and they do whatever they want with people credit. Please see letter from XXXX attached. <P/>XXXX account XXXX That account is not mine, is Fraud. XXXX Account # XXXX That account is not mine is Fraud. XXXX 's Account # XXXX That account not mine is Fraud, XXXX 's sent me a XXXX a cancellation of debt. Please see attached. XXXX XXXX XXXX This account is not mine, it was fraud, I received a Cancellation of Debt for this account.
Product: Mortgage

The summarized story is : the 3rd party vendor my mortgage company hired to manage our claim has not forwarded any funds since the initial set of checks sent in XX/XX/XXXX. 

I have documented all of our calls and names of my instructions. This is only in note taking form. They have a copy of the recorded conversations, but will not release them to me without a court order, and will not communicate any other way. 

Every time I call I get a different answer and a different set of hoops to jump through. I go attend to the new instructions, then yet another problem emerges. From the beginning I was told several times that because I was in Texas my GC did not need a licence. I have it in my notes. I never saw anything other than this information on the web site. As soon as I turn in my first set of receipts and complete documentation on my General contractor, I am told they need insurance. My GC spends XXXX XXXX and buys insurance. Which we turn in and the next time I call I am told a Bond is  needed. The cost will be around $ 10K. When was this decided? Why was this not discussed sooner? I am told this is a direct request from XXXX XXXX, who should have nothing to do with my loan. When I call TIAA, they forward me to their loss dept, who no one in the dept is employed by TIAA. nor was interested in helping me further. 

Furthermore my mortgage company told us at closing, we were not required to buy flood insurance. We live or lived in a no flood zone. We purchased the policy on our own, but now they hold our money, dictating how we spend it. 

I have turned in plans, drawn up by a certified architect, with a few changes to our floor plan by a certified aging in place designer. The plans are stamped and permitted by the city of XXXX and ready to go. I hired XXXX XXXX XXXX to manage the process, not only because they are awesome, but I have known them since I was XXXX, and with all the accounts of fraudulent behavior, I wanted someone I could trust. 
When TIAA insisted they get insurance, they got insurance, which they will drop, as soon as my house is complete. Why? Because no one else in Texas requires it. ( By the way I am XXXX 's 5th Harvey house repair, no one has asked for licence, bond or insurance ) so XXXX XXXX later, ( which will be added to my bill, so that is {$4.00} XXXX less going to actual repairs and another month of delay ) now they want a bond. This is mind boggling. They want me to pay $ 10k, to  insure, my insurance money, who, I am the only one who paid for it in the first place! 

Funds are tight. We are still living upstairs, all through the summer with little plumbing and no electrical downstairs, yes that means no A/C. Its been a a year now. I am XXXX and have XXXX kids in college. We have done everything to the letter according to XXXX code and then some. No one else is paying XXXX XXXX extra for bonds and insurance. 

Please advise, without calling an attorney Which is just more money out of pocket, I am not sure where else to. Thank you.
Product: Debt collection

I paid in full XXXX $ to XXXX XXXX XXXX at XXXX on XXXX2017 by way of their online portal as outlined in XXXX XXXX XXXX. By XX/XX/XXXX I am receiving debt collection letters from Optimum Outcomes who states they now own the account, in addition to phone calls at least 6-8 times a day and weekends. The company has damaged my credit showing past due collections through credit reporting agencies with all accounts showing open and current collections. This has created significant damages against me, as I have been declined by a housing creditor due to the false information obtained in my credit report. I have disputed the matter with no resolution and disputing the matter through the credit bureaus additionally have shown no effect. This is not compliant with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts from my credit report in light of a recent data breach that has compromised my personal information. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Below is a list of accounts that I believe should be blocked and deleted : XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$3000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXXXXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} Additionally, I request that you also investigate the following inquiries, as they may be a result of unauthorized access to my personal information : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Chase and probably most accounts have the policy to either approve or reject a automatic debit order or recurring debit card transaction against your account when your account is overdrawn. Every single time they charge {$34.00}.

Of course I do not want those charges approved as I will deal with my creditors separately. Chase of course approve each one and charges me {$34.00} each time. I think its crazy that they can charge me {$34.00} each time when they allow a {$10.00} or less charge to go through, when i am fine with it being rejected. No of course they have added a {$15.00} extended overdraft fee. All services I have not asked for. They know that I get paid every 2 weeks and wont have funds until then. 

I can always pay it with a different account or delay payment. This happens often and the most recent few days they have charged me almost {$200.00}. Now if a person is going into overdraft and then taking even more money from them, I believe this predatory and unethical action and should be regulated. At least they should allow you to instruct zero approvals against an account that is overdrawn if you want it.
Product: Credit card or prepaid card

Hello on XX/XX/2021 your company had no consent to run my Credit, I'm in the process of building my credit and have no desire to apply with for a credit card with your nor have I heard of the company before.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXXXXXX XXXX  ) due to inadequate customer service and unfair practices, which violate the consumer financial protections Act. ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process Was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act. ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, the account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Debt collection

EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX. 
XXXX, CT XXXX This letter serves as a formal demand that you immediately cease and desist all your unauthorized collection efforts. Pursuant to NMLS Indicates you are not permitted to conduct business in the state or territory of North Carolina, as are not licensed to do so. 

- Please provide your license number that permits you to collect in North Carolina. 

- Provide a Debt Validation Claim 15 USC 1692 G - Send me a full payment history on this account. 

- Provide my signature that I agreed to on the contract for this creditor. 

- Has there been any insurance found on this debt. 

I want to see the chain of title that you have to collect on the debt. I have received no such notification. 

This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your company may avoid such action by immediately deleting this listing from my credit report.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I noticed that I had some late payments on an account that I was never late for. The consumer reporting agencies have played a very important role and have the ability to report consumer information as accurately as passible. I have never been late on payments for XXXX XXXX XXXX account # XXXX. Please investigate and provide proof with statements showing me where these payments were late. If proof can not be established, I demand that these payments be updated to on time as they should be because I was never late I have also attached a screenshot of the dates of XX/XX/2023 showing my payments being 60days late. How are my payments 60 days late but the previous month on XX/XX/2023 my payments were marked on time. 

According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In this case this violates my rights because inaccurate information is being reported by a consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a {$99.00} startup fee in XXXX of 2022 under the impression that this company would help me repair my credit. I then paid them $ XXXX  monthly following that initial ( illegal ) {$99.00} startup fee with NO results. I asked XXXX, who was the woman in charge of my file, to schedule a call with me so we could go over what actions shed taken and what shes been doing behind the scenes so I can get a better understanding of how this company works. She was elusive, unresponsive, dismissive and passive aggressive when I asked for more information. When I tried to cancel the agreement in XXXX of 2022, XXXX ( the manager ) said it would be in my best interest to work with them another month and that I would be doing myself a great disservice if I cancelled then. XXXX promised me that if I work with them for one more month and there were still no results, I would qualify for the money back guarantee. Fast forward to XXXX of 2022, still no results, no improvements, and no evidence of them working to improve my credit on my behalf. I asked for services to be cancelled immediately and for my money to be returned and XXXX responded, Im sorry it doesnt work that way. I am demanding a full refund of the money I have paid to this fraudulent company including the illegal startup fee.
Product: Mortgage

I just received two letters, one from XXXX XXXX XXXX, XXXX. 
and one from XXXX XXXX, XXXX that my house is scheduled for foreclosure on XX/XX/XXXX with XXXX XXXX, XXXX. 
XXXX XXXX, XXXX has not notify me about the foreclosure nor I do not know Nationstar Mortgage. Where these law firms got there information from I do not know. I have not received any letter from XXXX XXXX, XXXX, nor Nationstar Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was originally deleted from my credit report inXX/XX/2018. This collection account reappeared a few months later. This account needs to be deleted off permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a prior complaint ( COMPLAINT IDXXXX-XXXX ), complaint was closed and the company Equifax says issue has been resolved, but none of the issues mentioned in my prior complaint has been addressed. Here 's the summary of my issues with Equifax credit reporting : I still can't freeze my credit on Equifax 's website. 
I still am unable to get my Equifax credit report from the AnnualCreditReport.com Lender 's are still unable to get my Equifax credit report. 
None of the issues have been resolved. 
Every time I try to log in to Equifax website to freeze my credit, it give me the error should in the attached screenshot. I try to reset my password but it never sends a link to reset my password to my email. I try to create a new account and it says account already exists which I can't log in into.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple fraudulent or innacurate items on all three major CRA 's ( XXXX, Equifax, and XXXX  ) over the last year to clean my inaccuracy 's after identity theft. XXXX  and XXXX   have been willing to successfully remove fraudulent and inaccurate entries that either never belonged to me or were opened without consent from me otherwise reported inaccurate information such as address information and name spellings..Equifax, however , over multiple attempts to have these corrections made have been unwilling to co-operate to fix these errors and therefore has left me with only them holding false, negative, and incorrect information. I have made numerous attempts and nothing has been removed or altered. The incorrect Information needs to be removed and the investigation by Equifax should have had the same outcome as the investigation by XXXX and XXXX  - as all the CRA 's are receiving the same information presumably from the investigation. These mis-informations and unwillingness to remove the items are hurting me financially and aren't my responsibilities either. Equifax also placed a fraud alert on my report without my asking for it - even though they will not remove false information ( addresses I've never lived at, collections accounts that don't meet requirements of FCRA and can not be validated, names I do not go by and that belong to someone else, etc ) PLEASE HELP!
Product: Debt collection

After YEARS of attempting to receive lawful validation of the alleged debt being furnished to Credit Reporting Agencies by CIG Financial ; it is now urgent that the VP of Finance- XXXX XXXX XXXX respond immediately immediately to the following request ( s ) : Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from CIG Financial : 1. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and California State Statues for Lawful Purposes. 
3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account. 

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further. 
-You agree to pay all fee schedules. 

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section 1 of the Protection from Harassment Act 1997 and the Administration of Justice Act 1970 S.40, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing 'alarm, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX, grantee, beneficiary All Rights Reserved