23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I am continuing to have issues with my Servicing company. My Servicing company continues to repeat the following : " After completing our investigation into the aforementioned issues we determined that overall, there were no errors on our part. '' This is the root of the problem. My Servicer REFUSES to  admit they they or their predecessors have made errors in regard to my mortgage. Among multiple other failures and misconduct, XXXX XXXX failed to send a Good-bye letter informing that they were no longer the owner of my mortgage as of XX/XX/XXXX. As the new owner of my mortgage, Nationstar/Mr. Cooper also failed to send a Welcome letter at any time during the duration of their ownership. In the same way, Nationstar/Mr. CoopeXXXX also failed to send a Good-bye letter informing that they were no longer the owner of my mortgage as of XX/XX/XXXX. In addition, XXXX XXXX failed to send a Welcome letter when they became the owner on this date. In the processes of my interactions, I have continued to reach out to my Servicer, to request that the Settlement offer be renewed, which was extended to me in the latter part of XXXX. Until XXXX of XXXX, interactions from Mr. Cooper regarding a Settlement offer had ONLY been by email. In order for the XX/XX/XXXX Settlement offer transaction to be completed, my investor required that Mr. Cooper send a hard copy of this agreement with a POSTMARKED DATE via U.S. postal service. Mr. Cooper did send a hard copy of this agreement. However, it did not arrive until XX/XX/XXXX, and still did not possess a dated postmark. THIS is precisely the reason the Settlement offer could not be completed. Mr. Cooper and other Assignees of my mortgage are responsible for many violations in regard to my mortgage. I possess multiple pages of documents outlining these errors. Failure to send Welcome and Good-bye letters and failure to send a hard copy of the Settlement agreement are only two of the large number of violations regarding my mortgage since its origination. ( Attached are letters and replies. )
Product: Payday loan, title loan, or personal loan

Through a second mortgage on the house, I procured the funds to pay off the loan with Loan Depot. I received a check from my current mortgage company in the amount of {$12000.00}. I called Loan Depot for the address to send the final payment to. I sent the payment to that address. I was waiting for a refund for the overpayment, when I received an e-mail with a notice of payment due. I called Loan Depot and was informed that they hadn't received the payment. When I questioned further, I found out I was given the wrong address ( XXXX XXXX - their previous loan service provider ). I've provided them a copy of the cancelled check. They will not credit my account for the pay-off that was made. They need to credit my account and refund the overpayment as well as the payment I made while waiting for the cancelled check.
Product: Credit reporting or other personal consumer reports

Upon receiving a free copy of my credit report I noticed a few accounts that were inaccurately reporting.. I disputed the information back in XXXX and all XXXX did was put a notice of dispute and the inaccurate account continued to report. The account type says a collection account but the account status says open. This is inaccurate reporting because a collection account can NOT be open.

This is a violation of 15 USC 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

I took a loan in XX/XX/year> from Easy Pay Finance to purchase a dog. When I signed the contract I wasnt informed about the skyrocketing interest rate of 178,99 %! Everything was in very small letters and not properly disclosed! The loan was for {$230000.00} and I already paid back over {$3000.00} but still owe them {$1800.00}! I spoke to the company representatives and supervisors explaining that they tricked me but they said they cant do anything about it! I have never heard of such a high interest rate! Is it even legal?
Product: Credit card or prepaid card

Payment in full was sent to Barclays in a negotiable instrument. I have emailed then spoke to customer service and recently with their management team. They have refused to take the payment which is legal and lawful tender. They have now said my account can only be paid with check or money order. Which no where in the account guidelines did it state that negotiable Instruments were not allowed. They have Chosen to Dishonor by Non-Performance. Barclays has dis-enfranchised me, causing me loss due to their negligence.
Product: Mortgage

I have a HELOC that expired on XXXX XXXX of this year. Before that I tried to refinance it, but we did not qualify. Immediately after hearing that, I contacted Bank of America to modify it, and that date was XXXX XXXX. I was told I would be contacted within three to five business days. No one contacted me. I made a few calls and was told this gentlemen was in charge and he would call. He called at the end of the month. I immediately submitted all forms needed and he would then set up appointment times, but would not call for those appointments. He would not call at all or call that day at a completely different time. Apparently he could not get in his head that I am in CA and he is in FL and there is a XXXX hour time difference. Anyway, after all of this I also called his supervisor and left messages ( XXXX ) for her, with no return calls. The last time he was supposed to call me he did not, so I called and got someone else. This was the week of XXXX XXXX I believe. She told me that I was denied the modification because they were looking at the interest only payment and not the new payment which would include the principal ... ..in other words, the payment went up from {$280.00} to now $ XXXX. I am XXXX and live with my boyfriend. I can not afford these payments, and they know this. I have now been told to appeal this decision, after a conversation with a very rude person in that department. This is all so totally unacceptable and I feel it should be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance XXXX, XXXX ; XXXX, XXXX  ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX XXXX  : {$19000.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX XXXX  : {$0.00} ; XXXX XXXX Date opened : XX/XX/XXXX XXXX  : {$0.00} XXXX XXXX  XXXX Date opened : XX/XX/XXXX XXXX  XXXX {$1700.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX XXXX  XXXX {$0.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX XXXX  : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXXXXXX Date opened : - XXXX  : {$34000.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) Date opened : XX/XX/XXXX XXXX  : {$0.00}.
Product: Vehicle loan or lease

I bought a brand new 2021 XXXX XXXX XXXX. The main reason why I choose the hybrid is for the fuel efficiency, when I looked at the car window sticker I saw number 48 MPG I was so excited about how great that number is. But in the real world driving I was shocked and surprised that I am only getting between 35 to 38 mpg. You might say well it depends on how you drive I am driving with the speed limit sometimes I was going below the speed just to reach that magic numbers! but no matter how I drive the numbers stayed the same. I do believe XXXX is misleading about the actual gas mileage and thats absolutely unbelievable and unacceptable.
Product: Mortgage

XXXX XXXX a tree crushed our house. My mortgage sold my property loan at the same time. I was informed that my Loan would now be managed by M & T Bank. Long story short we received a large check from the insurance company to start repairs and it had to include the mortgage since there was a loan in play. M & T uses a XXXX party to manage these type of funds. The XXXX XXXX XXXX XXXX is XXXX XXXX XXXX They have a reputation for holding funds online, I called the bank to inform them I was not comfortable with using them and I was told it was not optional. Since that time it has been a nightmare, I could write a book. I have placed XXXX XXXX complaints and nothing has changed. They have to have more documentation every time we call, this has been since XXXX XXXX and repairs are held up as we are out of money and have called multiple times, requested that a supervisor call several times and they continue to need things in order to release funds. 
They are absolutely heartless and just want to hang onto the money while we work normal jobs and then work on the house till its too dark. We are tired and would like to complete our home and not have to be dealing with this company. We need help! Disaster victims should not be treated like this. I am constantly having to upload documents and if you call, just getting to someone is at least XXXX minutes as they try to direct you to the website several times. Supervisors never call back and when they do they do not listen or care they just want something else.
Product: Credit reporting

XXXX agreed to delete this collections off of my report. This has not been done by Transunion. Enclosed is the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed items on my report which do not belong to me over 30 days ago and the items are still reporting on my credit report. Ive attached the copy of the mail I sent out to this complaint.
Product: Checking or savings account

This is following two complaints I submitted to the CFPB on XX/XX/2020 and on XX/XX/2020. I just learned from BOA that they have decided to end their relationship with me. This is after they accepted a fraudulent cashiers check and gave me access to the funds the very next day. I havent had access to my money in both my new checking and savings accounts since Friday, XX/XX/XXXX, and Ive already missed a payment for my health insurance premium. My rent is due on XX/XX/XXXX. Now BOA has resorted to blaming me again for the closure, the fraud, and has not allowed me to collect my safe deposit Belongings. I have been sent to three different departments to try and resolve the matter and have been given several different excuses for the closure. I was just told by a male agent in the Risk Closure Department that if I end my relationship with BOA under the current circumstances, since it was I who allegedly provided my account information to someone that led to the fraud, that I will not be able to open another bank account at any other bank for five years. And after I demanded my money back, vowed to re-contact the regulatory bodies, and clarify that it was me who was ending my relationship with the bank, I was finally told that no, my accounts are not closed, that I should have had access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit report from XXXX and discovered that credit reporting agencies are reporting erroneous information in my credit report. The Credit Reporting Agencies have not responded my dispute as of today 's date. The Credit Bureau is required by the Fair Credit Reporting Act to complete their investigation within 30 days. Please review the payment history, date opened, most recent activity, and status of XXXX XXXX Account XXXX as I believe it was reported incorrectly, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts as I believe it was reporting in error : XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXXXXXX Balance : {$1400.00}
Product: Debt collection

We were not served with court papers 2 even know we had a lawsuit against us The only paperwork I got was the paperwork that was supposedly sent to my employer payroll department. Supposedly the 1st time they served us with paperwork was in XXXX of XXXX that case was closed it says.And then they filed for continuous of garnishments in XXXX of XXXX do u file a continuous garnishment that has never happened the 1st garnishment they illegally took was on XXXX XXXX top of it I asked when the original debt was and I was told on the phone XXXX that was the 1st time the second time the the collection agency told me they don't know when the original debt was occurred so then I asked when they bought the debt and I was told XXXXAnd then they have filed continued garnishments threw 3 different county 's is wht I'm seeing on the i portal.And then when I told her we want to dispute the charges she tells me I have to write and mail the dispute 2Resurgent Capitol Services out of XXXX SC.I go to the site and it's states its LVNV the 3rd party collection agency that is garnishing his wages and Resurgent Capital services and at the bottom of the site it says they are a collection agency trying to resolve disputes or collect a debt.that was owed.The paperwork filed 2 payroll for wage garnishments is the ones u can download off the internet.And anouther red flag they have the same clerk of district in all three county 's XXXX, ,XXXX  and XXXX XXXX on the continued garnishment and the sane judge the paperwork we have don't look legal .The 1st time we found out about the 3rd party collection agency was when we received the copies of paperwork they sent to the payroll dept in XXXX or XXXX it was signed on the XX/XX/XXXX it says it was filled on the paperwork on XX/XX/XXXX but the cover letter from LVNV says XXXX XXXXWhen I asked the collection agency if they could send me copies of all the papers we supposedly received she told me I could get them from court records or hire legal representation.So on top of us disputing the CC I'm positive we are past statue of limitations to collecting this debt.And they are charging us for post judgement interest.The amount on the garnishment is different then wht they reported 2the credit bureau without notifying us they reported it to them.So much that idk wht I should do.They took the 2nd garnishment of 25 % on XXXX problem is he worked as an essential employee all threw the pandemic why did they have problems in XX/XX/XXXX with trying to garnish.And then file 2 years and almost 2months later from the 1st time.And we have lived on XXXX XXXX XXXX over 15 years and the outher address they had was his dad 's address at XXXX XXXX and his dad had lived there over 20 years.So I'm not sure why we were never served with paperwork. And we never received the 5day letter telling us who the original debt was from how much the debt was or actions to dispute the charges.When I asked LVNV how much the original debt was she told us under {$900.00} @ they are trying to coloect over $ XXXX help.Thank You XXXX XXXX
Product: Prepaid card

I used my Bofa EDD debit card in XXXX gas station to pump gas. The first attempt, only XXXX was able to pump and it stop working. So I tried to do this again, and nothing came out. So I went inside the gas station to ask the attendant if there's something wrong with their pump and he said, nothing is wrong and try the pump behind where my car is. So I did. I went outside moved my car and tried to pump again using the XXXX app where my EDD debit card is linked for payment. And it did it again, nothing was coming out. So I went inside again and they said it must be down because another customer tried in a different pump and it also didn't work. I didn't know that everytime I attempted to pump, they placed a {$100.00} authorization on my card. It's been past 72hrs and the {$200.00} hold is still in my edd debit card. I called XXXX to fix it, they said they can not do anything about it and to contact BofA EDD and dispute it. BofA EDD on the other hand, is telling me that they can not file a dispute on it until it post. How can it post if there's no transaction that took place? They told me the hold is may placed up to 30 days before it falls off. Is this even reasonable? I am unemployed and I need that money to buy food and gas.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have no recollection of this account i have not recieved any goods or services either. This is not my account i have never recieved any correspondence in by mail for this account. I am reporting this account
Product: Debt collection

I am contacted nearly every hour by this company. I am a nurse and it is interfering with my patient care. Today, someone from this company contacted a former relative of mine ( my former stepmother ) who I have not had contact with in years, disclosed all of my account information ( including my account balance ) which is absolutely illegal and infuriating. I am trying to care for my patients as well as my XXXX father and the harassment has become too much. Contacting relatives I have no contact with and disclosing very personal information is NOT okay.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Personal Information : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} Late Payment : Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dispute of Time-Barred Debt XXXX Expired Statute of Limitations Dear DEPT OF EDUCATIONXXXX I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Original Creditor : DEPT OF EDUCATION * Amount : {$1200.00} & XXXX * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, 1 have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt.

I kindly request the following actions : 1. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations.

2. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW 1. US DEPARTMENT OF EDUXXXX {$2000.00} 2. US DEPARTMENT OF EDUXXXX XXXX {$1200.00} Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong Accounts are the same and reporting from different companies & different prices thats double jeopardy & invalid pricing NEED TO BE REMOVED FROM CREDIT REPORT ASAP 4 different accounts reporting same matter but different prices and different payments
Product: Checking or savings account

On XX/XX/XXXX I initiated Online Payment transaction # XXXX To XXXX XXXX XXXX XXXX in the amount of {$11.00}. In XXXX I received a statement from XXXX XXXX XXXX showing that amount still due. This began my attempts to rectify the situation. I sent the payee " Proof of Payment ''. The payee said they never received this amount. I called Chase Bank 's customer service. Chase said the payee did receive the payment, case closed. 
Now, after numerous calls to both Chase customer service and to XXXX  XXXX XXXX XXXX, after numerous written request for assistance, over these last three months, I am told my money is gone and there is nothing Chase can do about it. I have pieced together that somehow Chase 's online payment program decided that XXXX XXXX XXXX XXXX  could be paid electronically rather than with a paper check. This is not something I could've done. XXXX XXXX XXXX XXXX   tells me they do not have an electronic payment agreement with Chase. I have given this information to Chase and ask that they research to whom the payment was made. Chase says they are incapable of doing this. Again, case closed as far as Chase is concerned. 
Obviously this is a very minor amount of money, but what if it wasn't? Chase thinks it can handle my money in a haphazard and erroneous fashion and then refuse to resolve the issue leaving me not only out an amount of money but also still liable to the payee for a legitimate charge?