23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX bought my debt they had Stenger & Stenger PC attempting to collect it. They sent me a letter. I requested a debt validation. They then sued me. I was served by law enforcement 26 days after I recieved the initial letter. I contacted a lawyer and they had my suit dropped. They counter sued XXXX. Even unable to verify my debt XXXX will not delete the account off my credit. The original letter was dated XX/XX/21. It came in the mail XX/XX/21 ( per informed delivery/with photo ). My court documents were dated XX/XX/21. My attorney has copies of communications and the outcomes of litigation.
Product: Mortgage

In XX/XX/XXXX when corresponding with Chase re : mortgage loan ( ... XXXX ) payoff due to an investor interested in purchasing, learned that the balance/payoff on account was over {$29000.00}. When I inquired by secure message on CHASE account website, what happened to my 15year mortgage request of XX/XX/XXXX to rehab historic property, CHASE responded three times that my payments were on time and my account up to date. The representative would also include account activity confirmation. So, when reviewing the account activity, I inquired if my 15 yr home loan was processed as an interest only account ( heard about on TV ) because the chart showed that even though monthly payments in excess of minimum were most often made, the balance remained in the $ XXXX 's for at least 5 months ( for example, reference : XX/XX/XXXX - XX/XX/XXXX on attachment ). I was finally advised finally the account is a 20-year Home Equity Loan yet no explanation re : what occurred to breakdown communication 15yr home loan request. It is my opinion that I was discriminated against in many ways by CHASE as they did whatever they desired.
Product: Credit reporting or other personal consumer reports

THERE IS STILL AN UNAUTHORIZED INQUIRY ON MY CREDIT REPORT. PLEASE KINDLY CHECK THE DOCUMENTS I'VE INCLUDED ABOUT THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : 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 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and these are the following XXXX credit bureaus that reports a fraudulent inquiry for an individual seeking Credit which inquiry are not mine. 

A total of XXXX inquires from 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've discovered some incorrect information on my credit report, as specified by XXXX XXXX XXXX. I believe this information is not accurate and is impacting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I received a promotional advertisement mailed specifically to me from Citizens bank. 
Despite following the instructions and funding a checking and savings account, the accounts were closed. 
The funds for the checking account ( {$50.00} ) were reversed and returned to me. 
The funds for the savings account ( {$5000.00} ) were never returned. 
I have contacted Citizens multiple times via chat, phone, and in person without resolution and am told, " We have no record of your account, so were are unable to help you ''.

We I called to speak to a supervisor, Iwas on hold for over 1 hour, connected and then was hung up on.

For proof, attaching : -photo of direct mail advertising promotional offer -email from Citizens that {$5000.00} was received -statement from my sending bank {$5000.00} was debited -screen shot of 1 hour call to Citizens.
Product: Student loan

I had taken a private loan in XX/XX/2007 from Navient who was Sallie Mae in the past. I was paying them about {$87.00} a month. This was what I was able to pay. They raised the payment a few months later to {$110.00}. Which was fine, then they asked me to pay more. I honestly gave up because this was all I can pay. Every month I saw my statement the amount was still the same. They called me to work something out with me after I stopped paying, I talked to them and they still had no options for me. It was I either pay the full amount or I continue to make payments. Not sure why they were calling me to work out something, if they had nothing. I had filed for bankruptcy this year and my private loans could not be forgiven, they still call me from different debt collectors, ask me to pay, they lowered it my loan to a lump sum which I don't have it, they called my relatives to ask about me. I don't know how to get rid of them anymore. I wish If someone can help me. Thank you.
Product: Credit reporting

I previously worked for the XXXX. After retirement in the XX/XX/XXXX, I was advised that there was a recent cyber security breach and I was given insurance via a third party identity restoration firm, XXXX. I received a routine credit alert on XXXX XXXX, XXXX. Upon checking the information, a collection showed up for the first time on my credit report on XXXX XXXX, XXXX showing a debt due to XXXX in collection with XXXX for a XXXX address I never lived at for an individual with a first name and last name spelled differently than mine ( one letter of difference in each ). I had an account with XXXX in a different state which was closed out ( I saved the only chat ) and XXXX accessed my Credit Report on XXXX XXXX, XXXX and thus not only would their own records show the correct information but at that point they had my current name and address. I did not receive a single notice about this and of course they are trying to portray this as identity theft ( to cover their incompetence and probably wanting a tax deduction for the current period ). XXXX has not been cooperative ( and made me go through hoops filling out forms ) and I know nothing of the bogus transaction on my credit report.
Product: Mortgage

We took out a loan with XXXX XXXX on XX/XX/XXXX, and they required escrow for taxes and insurance. After paying for a year we requested being allowed to stop paying escrow, and XXXX XXXX told us that, because it was a XXXX XXXX Loan ( which we were not aware of ), we had to pay escrow for a total of two years before being eligible to stop paying escrow. 

XX/XX/XXXX, we were notified that the loan had been transferred to Ameris Bank. In XX/XX/XXXX, when the two years of paying escrow was finished, we requested Ameris Bank relieve us of the necessity of paying escrow. I have a very large amount of assets, a credit score over 800, and have never ( in over 40 years ) not paid a mortgage, property tax, or insurance bill. They rejected our request for two reasons. One was because they, not we, had allowed the escrow account to go negative ( {$730.00} ) for a few weeks, and the other because they claim that they require 5 years of escrow before we are eligible to stop paying it. Loan # XXXX. 

We have been going back and forth with them since XX/XX/XXXX of last year, and they continue to insist on five years. But, despite a multitude of requests and phone calls from us, they have been unable/unwilling to produce anything in writing with either of our signatures, whereby we agreed to payescrow for five years. The only thing the lending documents says about escrow states " Lender may  waive Borrower 's obligation to pay to Lender Funds for any and all Escrow items at any time ''. 

The letter from Ameris, attached, has been sent to us unchanged, multiple times. I have spoken to Customer Service Reps, and Supervisors, multiple times ( first time to XXXX on XX/XX/XXXX, and most recently XX/XX/XXXX I spoke to XXXX at XXXX.
Product: Debt collection

We received a notice from Commonwealth Financial Systems ( CFS ) regarding an unpaid medical bill. Upon contacting the purported medical service provider and providing the original account number listed on the letter issued by CFS I was informed that no such account number existed. 

I contacted CFS and the employee identified himself as " XXXX XXXX ''. However, the name on the letter issued by CFS was " XXXX XXXX ''. 

Commonwealth Financial Systems lists the following address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX ext XXXX
Product: Checking or savings account

On XX/XX/year>, Robinhood restricted my brokerage account without proper justification. The sequence of events is as follows : XXXX. XX/XX/XXXX : Account restricted. Mobile app prompted address update to lift restriction. 
XXXX. Multiple address update attempts failed to remove the restriction. 
XXXX. Contacted customer support, who requested additional verification documents, including selfies. 
XXXX. Submitted all requested documents promptly. 
XXXX. XX/XX/XXXX : Robinhood claimed my employer requested the restriction due to my work in financial services.

6. Immediately consulted my company 's compliance department.

7. Obtained written evidence from our compliance officer confirming no restriction was required.

8. Provided this evidence to Robinhood and requested restriction removal.

9. Robinhood has repeatedly opened new cases without resolving the issue or providing a timeline for resolution.

10. Not allowing to even withdraw money This unjustified restriction prevents me from accessing my own funds or conducting any transactions. Despite my efforts to resolve this issue directly with Robinhood, including providing all requested documentation and evidence that no employer-mandated restriction is necessary, Robinhood has failed to lift the restriction or provide a clear explanation for its continuation.

I request the CFPB 's assistance in : 1. Compelling Robinhood to immediately lift this unwarranted restriction.

2. Ensuring Robinhood compensates me for any losses incurred due to this restriction.

3. Preventing similar unjustified restrictions in the future.

This situation has caused significant financial inconvenience and stress. I believe Robinhood 's actions may violate financial regulations regarding account access and customer service responsiveness. 

Following are case numbers- XXXX ID : XXXX, XXXX, XXXX, XXXX
Product: Mortgage

I requested my mortgage company ( Mr. Cooper ) to do an escrow analysis because my new insurance was cut in half on XX/XX/XXXX. To begin they told me I just bought the house- which I actually purchased in XXXX of XXXX. Then, they told me that I was not allowed to have an escrow analysis until XXXX of XXXX. I should be able to request an analysis for such a large difference in payments.
Product: Credit reporting or other personal consumer reports

I received Experian report # XXXX today stating to contact them because report was t available. When I called into the number provided, I was told I had to resubmit a dispute for the fourth time because there was no information available. I asked about the process and you will see from the taken screenshots that I was told No. it seems the bureaus are not doing their job in keeping information accurate even though I provided proof of letter from the creditor.
Product: Debt collection

About this situation covid -19 I lost my Job, I call to resolve the problem and all communication with the company I offered to pay small portion to make another payment an a few days when I call the said your account is completely close and you need to pay in full. Both company the same capital one and XXXX  XXXX. Capital one balance XXXX aprox. And XXXX  XXXX XXXX. This crisis affects to me emotional and personal. I need help please I dont want bad credit. Credit is the key to keep financial up. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The public record / lien that was recorded ( Ref. # XXXX ) does not comply with the rules set forth in the National Consumer Assistance Plan that states that liens must have a full name, address, FULL social security number, and/or date of birth to be included on a credit file. The lien and subsequent lien release recorded does not include all of the required information to be included on my credit report.
The public record / lien ( Ref. # XXXX ) should not have been filed against me or included in my credit report, as I did not owe the State of Oregon personal income tax for the period ending XXXX XXXX, 2014. I received a personal income tax refund of {$180.00} from the State of Oregon for the year 2014. While the lien has been released, State of Oregon does not do lien withdrawals and is on my credit report.
I have included attachments regarding the liens and tax summary for 2014.
Product: Credit card

XXXX  continues to report I was 30 days late on my account- even though I do a dispute with XXXX XXXX  they take it off but keep putting it back on. I was never 30 days late. 
XXXX bill was due XX/XX/XXXX, was paid XX/XX/XXXX XXXX bill was due XX/XX/XXXX was paid on XX/XX/XXXX along with the XXXX bill. 

They continue to report it to the credit bureau even after the credit bureau takes it off.
Product: Checking or savings account

I tried to withdraw my funds and close my passbook savings account that I had originally opened with XXXX XXXX  and the bank said my account is no longer there. My account was with XXXX XXXX, who sold to United Bank, who merged with People 's Bank, currently called United People 's Bank and is about to be bought out or merge with XXXX XXXX XXXX XXXX. People 's United bank said I could contact the state of CT for unclaimed funds to see if the money was there. I called the state and they said the money was not there and never was there and to go back to my bank for it. When I contacted my bank again and spoke to a different person, they said the account was most likely consumed by dormant fees and that is why no one can find it. There was {$1500.00} in 2008. This was my " emergency '' savings account money and I never received any letters from the bank about my account going " dormant ''. I have lived at my same address for XXXX XXXX years and I am XXXX XXXX XXXX. I don't think banks should take advantage of seniors and take their money this way. I expected my savings account to be a sacred trust with the bank and to not have that money there when I want to take it, is a violation of this trust. My wife is assisting me with this complaint since I do not know how to use a computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to XXXX security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my XXXX  credit due to XXXX security breach that took place on XX/XX/XXXX XXXX XXXX XXXX Amount XXXX Date opend XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681b 15 USC 1681a ( 4 ) Credit Bureau violated my right to privacy when they sought out, collected and then reported my personal information for public use without my permission or consent. I do not owe the Credit Bureaus XXXX, Experian or XXXX anything as they are not the creditor and thus, can not report anything on my credit report without my consent or knowledge. 

This is a direct violation of my rights under United States Code and a vilation of FCRA standards.

Please delete from my records.

I have attached a letter from the United States Bankruptcy Court for the XXXX XXXX of Illinois - Office of the Clerk 'validating " the following : " The Court does not report directly to credit bureaus. ''
Product: Debt collection

XXXX has contacted me on several occasion, however will not provide the purpose for their call. I have asked them not to call but they continue to
Product: Vehicle loan or lease

My vehicle was totaled back on XX/XX/XXXX. My insurance company paid Capital One their portion on XX/XX/XXXX and we paid the remaining XXXX on XX/XX/XXXX. The extended warranty we purchased with the vehicle was not applied to the loan and was taken by Capital One from XXXX XXXX in XXXX from their reserves. We have yet to see the refund from Capital One for the over {$2000.00} extended warranty that was cancelled. I have made multiple calls trying to get information on when they would be refunding it and they cant answer the question. They are holding my money and not issuing the money I am owed.
Product: Checking or savings account

Description for CFPB Complaint What Happened : On XX/XX/XXXX, while conducting an accounting reconciliation for my company, XXXX XXXX, I discovered that a check for {$5000.00} had been debited from our Wells Fargo business checking account ( account number ending in XXXX ) on XX/XX/XXXX. Upon reviewing the check details, I confirmed that the signature on the check was forgedit was not mine, nor did I authorize anyone to sign it on my behalf. This unauthorized transaction caused a financial loss to my company. 
My Actions : I took immediate steps to address the issue. On XX/XX/XXXX, I reported the fraud to Wells Fargo and submitted a completed " Affidavit of Check Fraud '' along with a " Questionnaire of Check Fraud, '' as required by the bank. In these documents, I clearly stated that my signature was forged, that I did not sign or authorize the check, and that there was no negligence on my part that could have contributed to the forgery ( e.g., I securely maintain my checkbook and account information ). I provided all requested details, including the check number, date, and amount, and cooperated fully with the banks investigation process. 
On XX/XX/XXXX, after receiving no resolution and only a letter from Wells Fargo stating they could not collect the funds from the bank where the forged check was deposited, I sent a formal demand letter to XXXX XXXX XXXX, Vice President - Relationship at Wells Fargo. In the letter, I cited the Uniform Commercial Code ( UCC ) Section 4-401, which states that a bank can only charge a customers account for checks that are " properly payable, '' and a forged check does not meet this standard. I demanded that Wells Fargo reimburse my account the {$5000.00}, emphasizing that their inability to recover funds from another bank does not absolve them of their responsibility to me. I requested a response within 10 business days. 
Wells Fargos Response : Despite my timely reporting, submission of all required documentation, and formal demand letter, Wells Fargo has failed to refund the {$5000.00} to my account. The only response I received was a letter stating they couldnt recover the funds from the bank where the check was deposited, with no further explanation or action to credit my account. This response is inadequate and does not align with their legal obligation under the UCC to protect customers from unauthorized transactions like this forged check.

Impact and Resolution Sought : This unresolved issue has caused XXXX XXXX a financial loss of {$5000.00}, affecting our business operations. I am seeking immediate reimbursement of the full {$5000.00} to my account, as Wells Fargo is responsible for honoring a forged check that should not have been processed. I have acted promptly and responsibly, yet the bank has not fulfilled its duty to rectify this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Brazos Loan Servicing is reporting multiple accounts as XXXX days past due, all having a XXXX balance, and all in excess of XXXX years old. At no time, have I ever had any written correspondence from Brazos Loan Servicing indicating I had past due loans. I did not even know I had loans with Brazos Loan Serving.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$56000.00} XXXX XXXX  XXXX XXXX XXXX : {$5100.00} XXXX XXXX Balance XXXX {$24000.00} XXXX  XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$44000.00} XXXX  XXXX Balance : {$21000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a dispute to XXXX, XXXX and Experian in regards to some accounts that I gave no consent to. The dispute is stated that action is to be taken in 4 days yet we are nearing 90 days and to no avail.