23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our home equity loan was transferred to another lender and the correct balance was not transferred. The last statement received from Shellpoint shows a {$7000.00} principle payment that was not transferred to XXXX XXXX.
Product: Debt collection

On XX/XX/2020 continental credit call my parents home number and left a detail information for me to call. Please understand the same day she ( XXXX ) had called my cell phone and left a voicemail I called Continental Credit spoke with XXXX explaining there is no need to call my references when she had a working number for me. She asked does that mean she cant call any of my references. I answered yes. Also I explained u can not leave a voicemail giving details of the debt to my parents
Product: Mortgage

In less than twenty-four ( 24 ) hours Bank of America is intending to conduct a Trustee Sale on the XXXX Deed of Trust, which is ninety ( 90 ) months past due. 
Today, XX/XX/XXXX, Bank of America Appeals Department, Appeals Specialist XXXX, confirmed no Appeals Department determination based on the XX/XX/XXXX appeals review has been issued to me to date. 
Bank of America has not represented to me the scheduled Trustee Sale has been or is going to be cancelled. 
Bank of America has not admitted to any wrong-doing during and throughout the loss mitigation processes. 
Bank of America does not have the right, as a matter of law, to claim ownership and, therefore, any right to sell the debt associated with the XXXX Deed of Trust at Trustee Sale. 
All previously mentioned resolutions are desired and mandatory. 
If I did default on Bank of America, it was ninety ( 90 ) months ago. 
I own my property and home under a claim of adverse possession in accordance with the laws of the State of California.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two charges from " Nationwide Recovery Sy '' XXXX on my credit report from Experian. ( {$69.00} XX/XX/2021, & {$89.00} XX/XX/2021 ). 

I call to determine what the charges are for and they tell me they are related to something medical in Florida, but can not tell me more. They also have the name XXXX XXXX but my social security number. That is not my name, nor have I had any XXXX XXXX in Florida. Someone has tried to steal my identity. Nationwide Recovery admitted this was wrong and claimed they would contact the credit bureau to have it removed. But they did not do this. I called them 3 times since then and the call is getting dropped.

I feel as if this company " Nationwide Recovery Sy '' clearly is following bad practices and when they see they need to make a correction to fix bad claims they just act by intentionally dropping the call.
Product: Credit reporting 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : Bankruptcy # XXXX 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: Credit card

XXXX two checks and account closure request letters were cashed and received by capital one bank. They have refused to credit the payments or close the accounts. After calling I was told to redo everything and then send them confirmation.
Product: Student loan

I have been going through Navient for my student loans for a few years. I have consolidated my loans so that I could try and start paying them. I am a single mother of XXXX children with no help from family or their dad. I have asked them about my options over and over and what would be best for my situation since I am not working and when I am I barely get by. The only solution they offered was the income based payment plan that still gains an extremely high amount of interest. I have received calls from the companies that say I can have most of my loans forgiven if I pay so much money for 3 months then I can get on a XXXX $ payment plan like the income based but it lasts 240 months and I have no job. Navient hasn't tried to help me pay back my loan only keep the interest building so I owe more money in the end. My loans are now up over XXXX $ and I'm afraid I will never be able to pay them off. I would love to go back to school and finish my education and be able to get a good job but with these loans I can't afford anymore and I can't make a life for my kids without a good job. I need to know how they get away with keeping poor people poor and making it to where they can't even do anything to make a better life. I thought these places are suppose to help people so we can get back on our feet and make a life worth living.
Product: Money transfer, virtual currency, or money service

I have been experiencing ongoing issues with Robinhood Financial LLC due to their lack of effective customer support and failure to resolve my concerns. I have submitted multiple inquiries and provided all requested documents, but Robinhood has failed to review or acknowledge these submissions. The only responses I receive are automated, bot-generated emails that do not address my specific issues, and there is no way to connect with a live representative. Despite their claims of offering XXXX chat support, this service does not exist, and I have been left without meaningful assistance or updates. 

The most critical issue is that Robinhood is withholding my funds, which I urgently need to pay for rent and other essential expenses. They will not allow me to withdraw my funds or transfer my account to another broker, leaving me financially stranded. I have requested clarification and resolution for these concerns, including direct communication with a representative, acknowledgment of the submitted documents, and updates on the status of my case. However, Robinhood has consistently failed to provide any personalized or substantive response.

This lack of communication, accountability, and transparency has caused immense frustration and financial distress. I am seeking immediate intervention to ensure Robinhood releases my funds, allows me to transfer to another broker if necessary, and provides the support and resolution I deserve.
Product: Vehicle loan or lease

I received a letter from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX stating the addendum # XXXX total loss protection for XXXX was cancelled and I should receive XXXX XXXX refund within 30 days. If lender account has not been credited. please call their customer service. I contacted their customer service in XX/XX/XXXX and was advised that XXXX XXXX received the refund check. I contacted XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and was advised that they sent the refund to Santander. I spoke with XXXX at Santander XX/XX/XXXX XXXXXXXX XXXX and she advised that I would receive the refund ( she submitted a request to mail refund ( s ) to my updated address XXXX XXXX XXXX # XXXX XXXX Fl XXXX. I have not received the refund ( s ) as of yet XX/XX/XXXX
Product: Student loan

My job is making payments on my behalf and all of those funds are going to interest only. I am told it calculates daily but that is not shown anywhere on the system. First i was in a bankruptcy for 5 years and making payments thru the bk system once it was completed they charge interest for 5 years. I don't think that is fair since i was making payment thru the bk system monthly. If it can be included in your repayment plan why would they be allow to accrue interest that whole time. now that i am out and have been making payments for the last 3 years my balance still is NOT going down. when i asked about it i was told i was in an interest only loan repayment. also found out that the XXXX that my job is paying on my behalf is going to interest only. I think this is crazy and no one can really explain how to resolve. Any assistance would be greatly appreciated. 
XX/XX/2020 Payment - {$150.00} - principal - {$100.00} - interest {$0.00} - {$250.00} XX/XX/2020 Payment {$0.00} - {$100.00} - my job - all interest {$0.00} - {$100.00}
Product: Student loan

I had applied for forbearance XX/XX/XXXX and was granted a year and told to reapply in XX/XX/XXXX. Then last month XXXX times a day Im getting calls for Navient who is reporting all mg loans are behind which is not true due to all my loans are federal and there is also a pause by the government until XXXX not to mention I did forbearance till XXXX. They are calling my family, friends and my work. I have told them do not call many times I want communication via mail. The people are rude. They are calling for many numbers XXXX ( XXXX ) XXXX is the most recent one. Today starting at XXXX am so far I have received XXXX calls and its XXXX pm they will keep coming until XXXX :
Product: Credit reporting or other personal consumer reports

Delete these inquiries. 

XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy listed on my credit report under public records with Experian. I originally disputed this on XX/XX/XXXX under dispute XXXX. Experian 's XX/XX/XXXX Dispute results ( attachment 1 ) claimed that this information was verified by the US BK court listed on the report who states they do not report or communicate with the credit bureaus and to dispute directly with Experian ( see attachment 2 stating this as well ). 

I was given false information as Experian stated on the result notice US BK Court was the furnisher when they were not. Today XX/XX/XXXX I called Experian and they stated they would NOT DELETE this public record as it was verified by a 3rd party vendor but refused to provide that vendors information to me so I could dispute it with them directly. I suspect it is XXXX who has also published a statement they do not verify this data with Experian. ( see attachment 3 ). 

XX/XX/XXXX I filed a complaint with CFPB, XX/XX/XXXX they sent the same result that the item will remain even though they can not verify the item or provide the name of the furnisher despite their website stating they would. ( See att 4 ) I was hung up on by XXXX at Experian, and transferred to a manager by XXXX that just threw me into a mailbox. They have had over a year to correct this and I need this done immediately.
Product: Payday loan, title loan, or personal loan

XX/XX/2019, Company started calling me at my job on a daily bases. 

XX/XX/2019. I called the company and asked them to stop calling me, they stated they would stop, however they continued on XX/XX/2019 XX/XX/2019. I called them and statedthat I would make a payment on XXXX XXXX, when I arrived at the bank to cash my check they had ACH my account for 2 payments which put my account into a overdraft mode which I am unable to pay.
Product: Payday loan, title loan, or personal loan

Took out a loan in XX/XX/2020, online for {$2000.00}. No information sent regarding payments, interest, how to pay nothing. Spoke to a rep in XXXX who removed late fee, said that bills would be mailed and made sure it wouldn't be on my credit report. XX/XX/2020, no information received, rep states they have a different email. So now my privacy compromised, late fees and it is on my credit report as late. Rep would not remove fee or reverse information on my credit report. I paid all monies owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and have a address that doesnt belong to me on my file and a bunch of inquiries inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. I have notified EXPERIAN of this matter by phone and was hung up on by an agent of EXPERIAN. There are inaccurate phone numbers and employers being reported to XXXX XXXX XXXX XXXX XXXX report. The employers XXXX and XXXX XXXX is inaccurate information being reported to XXXX XXXX XXXX XXXX XXXX report. I did not receive income from these companies and I was not employed by neither XXXX or XXXX XXXX. The phone numbers XXXX and XXXX are not my current or past phone numbers. This information being reported to my consumer report is inaccurate. These addresses and phone numbers I have included in this complaint is not mines. I did not authorize these employers or phone numbers to be added to my consumer report The FCRA states that credit reporting agencies need my authorization to add anything to XXXX XXXX XXXX XXXX XXXX report. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) I have stated earlier in this notice that these employers and phone numbers are not mines.

12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent or authority could be considered Identity theft I am demanding that the credit reporting agencies EXPERIAN, XXXX, and XXXX remove these inaccurate employers ( XXXX and XXXX ) and phone numbers ( XXXX and XXXX )
Product: Consumer Loan

Toyota motor credit account # XXXX / after the lease was due i turned the car into the dealer and waited 6-7 monthfor s for a final bill never received one until it went into collection and they wanted XXXX the inspection report was never taken at the time I delivered it to the dealer. 
the condition of the car was excellent other than the mileage being over and I was waiting for the bill for the mileage overage only.but {$1900.00} I said no. 
its been 3 years and a few collection agents .I need to settle it and have it re moved from my credit history.CAN YOU HELP?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, In XX/XX/year>, I contacted XXXX XXXX regarding the title for my vehicle, as I had fully paid off my car three years prior but never received the title. When I called, a representative informed me that I still owed a {$1000.00} balance due to a repossession fee. However, my car was never repossessed, and this charge appeared to be an unexpected balloon payment added to my account at the end of the loan term. 

I requested a copy of my payment history, and upon reviewing the document, I noticed that my final recorded balance was {$0.00}. However, at the top of the document, the agent had manually listed a {$1000.00} balance. When I brought this discrepancy to his attention, he was unable to provide a clear explanation. I escalated the issue to a manager, but even the manager could not justify the charge. Instead, I was told that if I paid {$300.00}, they would release my title within 30 days and mark the account as paid in full. 

I made the {$300.00} payment, yet as of XX/XX/year>, I still have not received my title. Additionally, the company failed to close my account and update my credit profile as promised. Instead, my credit report now reflects a {$700.00} outstanding balance, despite assurances that my account would be marked paid in full. 

Over the past several months, I have called the company numerous timesapproximately XXXX XXXX  resolve this issue. Despite my repeated efforts and formal complaints, they only began taking action after I threatened legal action and reporting them. Even now, my account remains inaccurately reported. 

This company has engaged in deceptive and unfair practices by misrepresenting my balance, delaying my title release, and failing to correct my credit report despite multiple assurances. I am requesting the CFPBs assistance in : XXXX. Ensuring the company immediately releases my vehicle title as required by law. 
XXXX. Correcting my credit report to reflect a paid-in-full status with a {$0.00} balance. 
XXXX. Investigating the company for unfair, deceptive, and misleading practices regarding loan repayments and title releases. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue.
Product: Debt collection

I responded via email on XX/XX/XXXX  to this debt that this debt collection agency is trying to collect. On XX/XX/ they contacted me via phone and I requested a debt validation letter and contacted them multiple times and on XX/XX/ I sent certified mail letter requesting this information and I have yet to receive it. Now they have reported this to the XXXX without providing the documentation I requested.
Product: Credit card or prepaid card

EPPICard also known as Conduent, Inc is the company that handles the Child Support Services payments for the State of Oklahoma. There is no option to receive Child Support Services through any other means. A few weeks ago I received notice that my card had declined on an autopay. Considering I never use the card except for 2 autoplays, I found it suspicious. I attempted to login to my online account only to find the password had been changed, signaling to me that the EPPICard system had a security breach. After resetting my passwords, I login to find over 50 fraudulent charges that would have been flagged by any other card servicing company. I called EPPICard and was told I would be mailed a form to fax in. I never received the form. I called another 5 times a week later. Every time I attempted to resolve the issue, I was hung up on or disconnected. Each call lasted between 25 and 55 minutes. Furthermore, their account verification over the phone puts the consumers personal info at risk. They ask for far too much personal information, including, your full Social Security and text verification over the phone which is a common request of scammers. Currently the issue is unresolved and I have made every reasonable attempt possible. 

Update : I have since received a letter notifying me that my fraud claim has been denied. All the evidence points to a security breach on the Eppicard system considering my password was changed and the card has never been out of my sight. My password was not saved anywhere and I am not the only person this has happened to.
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. 

Account name : XXXX  XXXX Account XXXX Account name : XXXX  XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 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: Payday loan, title loan, or personal loan

Net Credit has violated Virginia 's Consumer Protection Law. The usury cap of 12 % applies to all consumer loans except for those made by licensed financed companies. Net Credit is not licensed in Virginia. The interest rate is set at 98 %. My loan was {$4400.00}. I have paid out {$6500.00} to this company. This company is still practicing lending in the state of Virginia, although it is illegal. This company has been emailing me every single day to continue making payments. They are preying on people who need help during desperate times and they need to be shut down. 

The company has reported late payments on my account since XX/XX/2020. I informed them that I had to take a leave of absence due to virtual learning for my children. They stated in an email that they would decrease my loan by 10 % if I set up a payment arrangement, but would not remove late payments that are damaging my credit. 

They want me to pay a remaining balance of {$2000.00} I need help.
Product: Debt collection

Respected XXXX XXXX XXXX XXXX XXXX XXXX citizen and I have experienced serious health issues during the pst several months including XXXX and other XXXX and XXXX problems. Im on bed rest and in critical situation however these people of capital one are harassing me as Im a XXXX XXXX  citizen and ive no financial means at all. My payment history and everything is excellent as I couldnt no longer monitor and handle my accounts so I had to close then all and I dont know if i will stay alive. I sincerely urge that this financial institution waives my balance or whatever is owed XXXX $ or something which they are saying as i paid everything and they harshly accumulated interest on me as account was closed. Please waive this capital one account with XXXX balance as I cant do anything. I appreciate as Im a XXXX XXXX  citizen and in a really unhealthy XXXX condition.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the XXXX 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.