23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I filed a dispute with Affirm for the loan they issued me and asked them to cancel the loan due to non-receipt of the retail merchandise for which they paid the merchant XXXX XXXX and issued me the loan back in XX/XX/XXXX. I had already began making repayments to Affirm for the item since XXXX and had not received my item from the merchant. I was not offered a refund from the merchant XXXX XXXX, nor a way to cancel the order. In fact, prior to my knowledge, the merchant XXXX XXXX had outstanding complaints of being scammers and not shipping items for which customers had paid upwards of hundreds and thousands of dollars. The merchant has a " no cancellation, refund, and no return policy ''. Affirm informed me that because their merchant XXXX XXXX had a no refund or cancellation policy, regardless of not shipping the item, they would not honor the dispute or cancel my loan; and I would have to pursue litigation directly with XXXX XXXX after repaying the loan for unreceived merchandise. I then contacted the merchant and was informed that they have a policy that if you file a claim with the bank for unreceived merchandise, they will invoice you the bill and send it to collections. I had been scammed for {$260.00} and Affirm refused to help me and was requiring I repay a loan for an item I never received. I went ahead and made all of the remaining payments to Affirm -- finishing my last payment in XX/XX/XXXX. I received an email confirmation that my loan was paid off after the last debit was made from my bank account. Upon speaking with a XXXX XXXX XXXXXXXX representative and fraud specialist, I was advised in XX/XX/XXXX that there were laws to protect me and that what Affirm had done was illegal. I was informed to and went ahead to file a claim with my bank and provide different forms of documentation and proof that I never received my item and was never given the option to cancel or be refunded. After a two month investigation was completed by XXXX XXXX XXXXXXXX, the claim was resolved in my favor and a chargeback was initiated with Affirm, and I had reopened my dispute. According to Affirm, in XX/XX/XXXX when the chargeback was initiated by XXXX XXXX XXXXXXXX, their system automatically processed the chargeback and updated my repaid loan status to " unpaid and delinquent '' all the way back to XX/XX/XXXX. This overrode my having paid it off initially back in XX/XX/XXXX. Affirm sent me one email and then proceeded to " charge off '' my loan and send it to collections on XX/XX/XXXX. I have the XXXX XXXX XXXXXXXX claim resolutions and proof of emails from the manager at XXXX XXXX stating that he would be unable to provide me with my custom item due to my fault, thus he would not issue a refund or cancel the order so that Affirm could cancel the loan. The chargeoff is now on my credit report, showing the loan delinquent as of earlier this year -- which is all inaccurate information. I offered bank statements showing I made initial payments. And I kept pushing I am a victim of retail fraud.
Product: Debt collection

This account is reporting on my credit report and I have no idea what it is. I've sent letters disputing it and have not received a response. They just updated it on XX/XX/22 as a charge-off. They seem to be able to update the account as a charge-off on my report every month. But they can't send me a response back showing any sort of proof. But I've been disputing it monthly for the past few months.
Product: Debt collection

I get monthly credit reports and this month i have a company turn me in collections and i have never heard of the debt, I called the original debt ( XXXX ) holder listed on the report and they kept me on the phone for hours then hung up and i called back they stated it was sold to another company so i ask for the information they sold and said they could not give me that but did give me a company name ( National Credit adjustments ) so i called them and told them and they said that it was sold to another company ( XXXX XXXX XXXX ) but refuse to give me any other details i ask why i was not sent a letter or invoice and he stated that if i paid my debts things like this would not happen, So then I called the XXXX XXXX 4 times and left a message but get no return callNational Credit Adjustments is the one that reported it to all three credit reporting agents, i want proof of this debt
Product: Mortgage

Nationwide Biweekly took money out of my account and I asked them to cancel my subscription and refund my money and they have not made the mortgage payment nor have they refunded my money. They have also taken down their website, shut down their phones and they are not answering emails sent to their customer service email address. They owe me {$2000.00} XXXX {$1000.00} for each of two properties ). I think these people are total scam artists.
Product: Credit card or prepaid card

Contrary to previous policy, CapitalOne no longer provides their customer service agents the ability to refund excessive annual fees and related charges for cards that are paid off and not used for an extended period of time. 

I have had my CapitalOne card ending in XXXX for many years, always maintained in good standing. I have not used the card for many months, therefore I am not enjoying any " what's in your wallet? '' cash back benefits ; so, an excessive annual fee ( {$59.00} ) is inappropriate.
Product: Student loan

When scheduling my first payment after the federal pause, I tried to cancel the scheduled standard payment and make a custom payment that went entirely toward my highest interest loan which according to info on their website is within my legal right and wouldnt cause me to show as past due as long as the total payment matched the monthly amount due. Their website crashed several times while adjusting my payment and I was forced to log back in a minimum of five times. The website ended up withdrawing two payments from my bank account, one standard toward all loans and one adjusted to go toward only my highest interest loan. I emailed them to refund one of the payments as my budget does not accommodate double payments and they never responded. I made my second payment on my monthly due date of XX/XX/XXXX, the payment was processed successfully, but they now show my account past due which is incorrect, it should be one month ahead until they refund me. They do not respond to emails and their website is so glitchy and crashes so often requiring you to login multiple times to accomplish any action that I have no faith in their ability to execute even the bare minimum of their responsibilities in servicing my federal student loans.
Product: Mortgage

On XXXX XXXX, I requested and received a payoff quote from Nationstar. I transferred the money into my account and sent payment by express mail on XXXX XXXX, and it was certified received on XXXX XXXX. After not seeing the funds paid to my account, I called on XXXX XXXX and was told not to worry, that it could take up to XXXX business days to appear. This did not happen, so I called back on XXXX XXXX, and was told they 'd tracked down my check and my account number had not been recognized, but that it would be credited to my account and posted as of XXXX XXXX within three business days. Again, this did not happen, so I called back on XXXX XXXX and was told they would expedite the processing and this would be completed within 24 hours. This has still not happened as of today, XXXX XXXX. I 'm currently working with a customer service rep for Nationstar via social media, and it has taken all day without any update. I have a closing to sell my condo on XXXX XXXX and am very frustrated but also concerned that the closing will be postponed because of the several weeks it has taken for this company to process my payment to pay off my mortgage.
Product: Mortgage

I overnighted a check ( return receipt requested ) in the amount of {$52000.00} to Selene Finance, my mortgage company. The check was for the settlement with my homeowner 's insurance company, XXXX XXXX, for damages that occurred to my home due to XXXX XXXX XXXX. 

Selence Finance received the check on XX/XX/XXXX. They informed me that they deposited the check into my restricted escrow account on XX/XX/XXXX and then transferred the {$52000.00} out of my restricted escrow account on XX/XX/XXXX. 

When Selence Finance attempted to cut a check to my roofing company for roofing repairs, they noticed that the restricted escrow account had a XXXX balance. I contacted Selene Finance on XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX asking them to provide me information as to ( 1 ) why the money was transferred out of the restricted escrow account, ( 2 ) where was the money transferred to and ( 3 ) when will the funds be transferred back into my restricted escrow account so I can pay the roofer so that repairs can begin on my home. Selene Finance refused to provide me with answers to any of my questions.
Product: Credit card or prepaid card

I obtained membership at BJs and signed up for the Comenity BJ Perk Mastercard. I did not agree to the automatic renewal of membership. I was charged the fee for renewal. When I saw the bill it was {$120.00} due to late fees. It took months to get the charge cleared from the bill. I was recently denied an XXXX card as they report due to a credit score of XXXX on XXXX. I noted that XXXX reported overdue payments on charges that were not authorized which were eventually removed from the card. The credit report on XXXX does not reflect the company 's error. I called several customer services numbers and basically received little to no help. The persons in the call center kept repeating the " script '' and told me to launch a dispute by emailing the information to the company that can't be reached. Please help! Thank You XXXX XXXX XXXX Accounts with Adverse Information Account Name Account Number Balance Monthly Payment COMENITYXXXX/BJS XXXX - - - Address XXXX XXXX XXXX XXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Pay Status Current ; Paid or Paying as Agreed Terms Paid Monthly High Balance ( Hist. ) High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX ; {$55.00} from XX/XX/XXXX to XX/XX/XXXX ; {$86.00} from XX/XX/XXXX to XX/XX/XXXX ; {$120.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit ( Hist. ) Credit limit of {$16000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$750.00} from XX/XX/XXXX to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached scan of demand letter sent to Equifax on XX/XX/2023. 

XXXX XXXX XXXX may not legally collect or report the alleged debt. I dispute any valid personal connection to the alleged BUSINESS debt that XXXX  alleges to have been assigned, and they have not provided any proof of those ( two ) assignments : XXXX XXXX XXXX XXXX XXXXr, and subsequently XXXX  to XXXX. Equifax has failed to require that documentation be provided. Simply accepting " certification '' by XXXX as " verification '' of the alleged debt is inadequate under the provisions of 15 U.S.C. 1681 and 1692. 

Notwithstanding the above, it is known that Funding Metrics ( FM ) provides Merchant Cash Advances ( MCA ), which are NOT " factoring accounts ''. The description of the alleged account by XXXX as a " debt buyer '' by Equifax is therefore inaccurate. The alleged debt amount and date are also false and inaccurate and unsupported by any provided documentation. 

Notwithstanding the above, acquiring an alleged debt under the guise of personal guarantee " co-signor on account '' is also improper and illegal. Personal guarantee on an MCA is only actionable upon valid proof of breach of contract, but still illegal because of lack of mutual obligation and other unconscionable terms. No proof of breach has been provided by any of the parties ( XXXX, XXXX, XXXX ). The legal status of MCA are presently in limbo ( see cases quoted in my letter ) : are they loans or unlicensed securities? Regardless, because MCA rely only upon a business ' future receivables for repayment, if there are none - due to the world-wide COVID-19 pandemic and business failure, for example, there is no breach or default.

Therefore, Equifax is essentially taking part in attempted extortion by allowing illegal negative credit reporting by XXXX. Basically, we'll XXXX on your credit report unless you pay.
Product: Vehicle loan or lease

Retail installment credit agreement entered into on XX/XX/2015 for XXXX to purchase a used vehicle with Santander. When the vehicle was delivered it would not even start, and had several mechanical issues that were not disclosed from the seller. 

When the dealer was contacted, there was no response, and eventually we discovered from the police, that the dealer had been shut down for fraud issues. 

Contacted Santander to request that the check being issued to the dealer was stopped. 

The check was sent anyway - after the request to stop the process. The title was send directly to me. 

I contacted Santander to discuss the issue and determine what can be done to rectify this situation. Working with XXXX XXXX we discussed the a potential modification to the original agreement taking into consideration the numerous repairs required. 

During these negotiations i was informed that XXXX XXXX was not longer with the company, and was sent a modification agreement that did not reflect the terms discussed. I " redlined '' the agreement, and returned to Santander, who rejected the agreement due to " changes to the document. '' Since that time, I have had numerous calls with customer service and collections to discuss the issue - which always result in the same conclusion. " We will notate and someone will get back to you. '' Last week, the vehicle was repossessed - and just to add to the issue, my yard was torn up and damaged in the process. 

I have contacted Santander to discuss this issue several times since the repossession, with no resolution. In fact, customer service/collections agents keep telling me that the car loan is past due and ask me to explain the issue AGAIN ... even though it is in the notes of their servicing system. 

I requested a copy of the pay history, all correspondence and the notations - the CFPB servicing file - from Santander, and only received a pay history. 

I received a notice today, that they intend to sell the vehicle in a private auction on XXXX - this disclosure did not include any details of the auction, or even provide the total amount due. 

I called again today to discuss, and after 2 hours on the phone explaining the situation AGAIN, I was transferred to the Office of the President, where I was played a recorded message without ability to leave a message. 

In summary - this complaint is for Confusing, time-consuming, and unhelpful customer service. 
Repossession of the vehicle without completion of the mod Delivered a vehicle that is not worth the original value considering the condition Invested over $ 24K in repairs that is not being accounted for Improper demand notice - for sale of the asset
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 : Account Name XXXX XXXX # XXXX XXXX : Account Name XXXX XXXX # XXXX XXXX : Account Name XXXX XXXX  # XXXX XXXX : Account Name XXXX  XXXX # XXXX XXXX : Account Name XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX : Account Name XXXX XXXXXXXX # XXXX XXXX : Account Name XXXX XXXX last XXXX # XXXX XXXX XXXX Account Name XXXX XXXX  last XXXX # XXXX 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 writter 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: Debt collection

Synchrony Bank harasses me daily. I get multiple voicemails 7 days a week, plus repeated emails. Ive contacted Synchrony Bank multiple times and Ive told them that Ive been in a debt resolution company called XXXX XXXX XXXX XXXXXXXX since XX/XX/year>. I make monthly payments to XXXX to negotiate my debts. Ive notified Synchrony Bank about my situation and Ive given the XXXX  phone number to verify my enrollment, yet the harassment continues. Ive blocked the various calls, however Synchrony Bsnk calls from different phone numbers & seems to use robo call. XXXX a XXXX yrs old XXXX  working XXXX XXXX  jobs, and Im on a fixed income, yet Im trying to pay off this debt. It is nerve wracking to have this barrage of phone calls & emails from Synchrony bank.
Product: Credit card

I received this morning ( XX/XX/XXXX ) a bill from XXXX XXXX XXXX claiming I owed money to a Capital One account opened in XX/XX/XXXX. The account number is XXXX. The account was charged off and appropriated by XXXX in XXXX. 

I have never owned a Capital One credit card, nor a XXXX card. I asked to see the signed cardholder agreement so that I could at the least - file a police report of the fraud with proof of someone else 's signature on the document. At the most, prove that no such document exists and the credit card does not exist. The filed the case as fraudulent and informed me they had no legal obligation to provide such documentation ( and in fact, that they could not even if they had the legal obligation because of the time between it's delinquency and now ). They did however tell me the original account number and told me to contact the FTC and obtain a XXXX XXXX XXXX. At the FTC website, I was forwarded here to cfpb.gov to file my claim. I'm hoping this is the correct course of action as I've never been the victim of identity theft before and am completely oblivious to the steps involved.
Product: Mortgage

On XXXX I bought a house XXXX XXXX XXXX XXXX CA XXXXhaving two loans the first lien was with XXXX  and the second lien with XXXX. 
in XXXX I had a loan modification with XXXX. the loan officer who helped me to modify the first loan did not say anything about the second loan and we forgot all about it. later we found out that XXXX filed XXXX. suddenly I started receiving phone calls from XXXX threatened me to foreclose my home. they actually have a sell day The loan with XXXX was XXXX and XXXX  are demanding 100K cash they referred me to XXXX XXXX XXXXo get the 100K loan. interest rate and processing charges were outrageous. when I threatened them to complaint for predatoring lending they cancel the loan I have contacted other lenders to see if I can get a loan to pay XXXX  so they can stop harassing me. Finally, XXXX XXXX  agreed to accept the refinance and pay XXXX underwriter asked for documents for the charge off date from XXXX They don't have any document. they could not provide any document to match the account number. and the loan died. now they threaten me that the house it's for sale on foreclosure. 
I pay XXXX  First loan on time every month. and I don't understand how XXXX is going to sell my house next month. when my first lien with XXXX is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A Law firm received a default judgment against me in XXXX in the state of New Jersey. They received this judgment by sending court documents to my childhood home in which I did not live anymore my ( grandmother 's house ). They were also sending mail to my moms vacant home in NJ in order to get a wage garnishment 17 years later. This attorney was able to get wage garnishments even though there was improper service of all documents. I was not given the chance to respond to any motions that were filed against me. The only way I found out about the garnishments was by emails via XXXX. This attorney also tried to XXXX money out of my bank account on the same day they are getting wages out of my pay. They have caused me great financial hardship as I have expressed to the courts multiple times without receiving any elief. The worse part is that I never had a credit account with the original creditors nor do I have any information regarding these accounts. The original creditors have closed down and I have been unable to contact anyone to ask about these accounts as they are fraudulent. This same company was charged by the SEC for fraud and sued by other consumers multiple times over the last 15 years. I have filed several documents for identity theft and mail fraud in the past which were overlooked. I have been to court 2 times about this and the last hearing was dismissed without prejudice meaning I have another chance to stop this attorney who is trying to ruin my life. This attorney is going after everything I own and is trying to get me to lose my job by obtaining multiple garnishments under the same terms default judgments sent to the wrong addresses 11 to 18 years ago. The second wage garnishment was done in retaliation which is unethical and inhumane. They are attempting to make me lose everything I have in order to support my children and myself over unverified debt they have added XXXX of dollars of attorneys fees in order to increase the amount owed for their own personal gain. I'm in dire need of help in order to save my life.