23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I've used CFPB before to help clear up other issues that I had before that the banks didn't want to do on their own. The response was always a positive one. So lets see if you can make it 3 for 3 I was hoping you can help clear up an issue with Fay servicing. My loan was sold to them a couple years ago up till now I never had a problem with them. The Issue is they have not filed a release with XXXX XXXX for the property that I paid off in XX/XX/2021. I have made repeated calls requesting this to be done but as of this date no one has responded. I was in the process of refinancing my house to get a lower interest and to pay off high-interest loans. But by not having the release I can not continue with the loan process. 

The state of Wisconsin has a statute that states that lien holders must file a release within two weeks of being paid off. It's been five months and they've had more than ample time to file the release. Their disregard for Wisconsin law is causing me financial difficulties. I hope CFPB can help Fay services to understand their responsibilities and that thy do not end just because the loan is paid off. They still need to file a release with XXXX XXXX.
Product: Debt collection

VARNISHING OF NEGATIVE REPORTS TO CREDIT COMPANIES ...
Product: Debt collection

On XX/XX/XXXX I received a call from XXXX XXXX, XXXX a third party debt collector stating they had placed a lien on my vehicle. They told me I owed them {$1600.00}, but they would settle for {$740.00} and that I missed a court date in XX/XX/XXXX. I was never notified of a court date, I never received any information about a debt trying to be collected. I learned the debt was from XXXX XXXX. My bankruptcy that was discharged in XXXX XXXX, Jared was a listed creditor and was notified of the granting of discharge under section 727 of title 11 United States Code by email on XX/XX/XXXX at XXXX. During the purchase of my home in XXXX of XXXX, I had to get a judgment vacated from XXXX XXXX, the previous third party creditor hired by Jared to collect the debt. The court vacated judgment, as the debt was discharged in my bankruptcy in XXXX. The XXXX XXXX stated they placed a lien on my new vehicle purchased in XX/XX/XXXX. On XX/XX/XXXX I emailed a copy of my bankruptcy to the XXXX XXXX. Today XX/XX/XXXX I called to follow up. I was informed my account has been closed. They told me they closed my account and referred me over to criminal charges, because it did n't matter that my debt was discharged in bankruptcy, it was theft and I stole property. I called my loan company for my vehicle and I called the MVD, no lien has been listed. I 've checked with all courts, I ca n't find record of a previous court date, nor can I find any information about criminal charges. This debt is not owed, I 'm being threatened with my personal property and criminal charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$660.00} XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When you type annualcreditreport.com into a web browser, it gives a 404 page error. ( The address bar shows " https : //XXXX '', although I am NOT at any foreign location - I am in the United States . ) However, using the link from the FTC webpage ( https : //www.consumer.ftc.gov/articles/0155-XXXX ) DOES work. 

After using the FTC 's link to enter the site, I encountered another problem. Once I viewed the first credit report, the link to get another report ( " Get your next report or finish '' ) creates a popup with 2 choices : " Yes, I want to return to XXXX now '' and " No, I'd like to remain on this web site ''. The link to remain on the site works, but the one to " return to XXXX '' does not. It simply remains on the same page, although the web address bar shows " https : //XXXX.transunion.com/dss/returnToXXXX.page? # ''. 

In addition, every company providing a credit report is apparently allowed to create ads for paid services on the pages that display the free reports. This is very misleading and I hope the CFPB can stop the practice. ( Also, XXXX  's use of the XXXX website, which is nothing more than an advertisement for their {$24.00} a month credit monitoring service. )
Product: Prepaid card

I have a multitude of problems with my current prepaid provider, Netspend. 

I have not been able to access my funds in 2 days. It started in my attempt to open a new checking account with XXXX XXXX XXXX who explained do to a low score I could not open a checking account with them. I have an old savings account that I can access and use that so I went in to my current Netspend account and I noticed a different email instead of mine. I attempted to call. I could not be helped since their recovery department was closed. I was told to call back the next day. 

Yesterday I received an unauthorized {$50.00} debit hold on my card. I attempted to log in to my account to see what is going on and my account was locked. I could not access any of my information. I called and again because their recovery department was closed I could not be helped. I was told I have to wait until the morning. I asked to speak to the manager and was put on hold for 20 minutes. 

I again attempted to sign in today with another locked account notification. I have not been reached out to by email/text or phone call to be assisted with this issue. 

I have noticed last year around XXXX and XXXX I was receiving texts of amounts that did not add up because this is my main banking tool I use it for tips and other things. I thought this could be the case in the missing money. As I started to monitor more closely this has not been as much of an issue. I assumed maybe this is hidden fees or whatever the case maybe and have vowed to get out of this ridiculous banking system. 

I have dealt with issues with them in the past from no access to my funds for XXXX10 business days after my card being stolen to ridiculous fees to transfer money during this time I had to wait. after I had to buy another card. 

When I bought this card now I can not transfer to this card because they said it is not possible due to their system. it is XXXX to transfer EVERYTIME! 

At this point this establishment has cost me hundreds of dollars. I would like to have an itemized transcript of my account so that I can rectify any issues and be sure that I am not yet again being taken advantage of as a customer and my money back. 

I was also told that it will take XXXX8 weeks to receive my money in the mail if I close my account with them. for this reason I have held on but I can no longer continue to be abused by this company.
Product: Debt collection

communication tactic continue to collect a debt i did not owe false statement and representation Cohn Goldberg Deutsch, XXXX XXXX knew the facts were fraud see attached documents submitting XXXX XXXX fraud lost note affidavit. thanks to the GREAT JUDGE THAT DENIED THEIR FRAUD Foreclosure Fraud - Titles Used by XXXX XXXX of XXXX DOCUMENT IN CASE FILE IN 2008 REVEALS FORECLOSURE MILL LAW FIRM CONTROL COHN GOLDBERG DEUTSCH IN THIS CASE # XXXX KNEW THE FACTS WERE FRAUD AND WERE TRYING TO GET HIS HONORABLE JUDGE XXXX XXXX TO SIGN OFF ON THEIR FRAUD SEE ATTACHMENTS TODAY THE THIS SAME DEBT COLLECTOR LAW FIRM STILL CONTINUE TO FILE QUESTION DOCUMENTS IN COURTS TODAY CASE
Product: Credit reporting, credit repair services, or other personal consumer reports

Today on Friday, XXXX XXXX at around XXXX EST I spoke with XXXX , an auto loan representative with XXXX  XXXX XXXX . She asked me questions to verify my identity and one of the questions asked for my current address. I provided my current address to  XXXX and she said she could not move forward with the approval of my loan because the address she had was not what I told her. The address she ultimately told me is not my current address. I have not lived at that address for over 18 months and yet she could not move forward with the approval. I was shocked. I have been a client of  XXXX  XXXX XXXX since 2015  so they are well aware of my mailing address. She said that XXXX h

ad my correct mailing address but that it was the third party company that they use to verify the client showed a different address so she couldn't move forward. I asked for the name of the third party company but she said she wasn't at liberty to disclose that. I am deeply disappointed as she and XXXX, the representative I spoke with yesterday who filled out my application, verbally given me the approval and just needed to verify my identity before sending me the approval letter.

This is so weird. I don't know who has my wrong address but it needs to get fixed. Now I don't want another hard pull on my credit so I don't think I'll be able to purchase a new car. So disappointed.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX Equifax, and XXXX  repeatedly to remove the addresses I have never seen before on my credit report, they do not belong to me, I have been living at XXXX XXXX XXXX, XXXX, TN XXXX for the past 10 years, please contact them to remove all addresses that are not XXXX XXXX XXXX also my name is XXXX XXXX, not XXXX XXXX, I have repeatedly sent my license, my utility bill, and ss card to have them update and they still will not comply I want my personal information updated immediately.
Product: Credit reporting or other personal consumer reports

I use XXXX XXXX to check my credit, and I noticed that my credit score dropped significantly for no reason. I looked into it and it says that a credit line was opened under my information with XXXX, and charged a total of {$930.00}. This account was opened on XX/XX/XXXX. However I did not open this credit line. It says that it was closed on XX/XX/XXXX, and was sent to collections, which I assume is why my credit score has dropped. I have reported fraud to Transunion, and will contact XXXX and XXXX XXXX as well. But I would like to report fraud here as well, as I did not open up this line of credit, and never have had any credit line with XXXX. Thank you.
Product: Student loan

XXXX XXXX XXXX  EST - I recorded 2 phone calls today with MOHELA staff. The calls were made to the # XXXX for Part 1 ( 30 min.s and 50 sec.s ) & Part 2 ( 6 min.s and 52 sec.s ). I recorded and maintain copies of these recorded calls on off-site, and secure servers, which I pay for through a 3rd part to maintain evidence of my experiences with Mohela. In these 2 calls I spoke to two different rep.s Both treated me like trash. My request was SIMPLE : For them to confirm, verbally, and with records, that the {$500.00} payment I made early on XXXX XXXX, XXXX  was properly applied to my XXXX XXXX, and my XXXX XXXX, payment plan. The 1st 30 min.s I delt with a woman who changed her story multiples times, gave me the run around, lied, and completely refused to be helpful, and seemed to be on a mission to confuse everything she possibly could. It was a nightmare. I finally hung up, while have XXXX XXXX XXXX. Prior to hanging up, I reminded her that she is REQUIRED to apply my payments properly, and that Mohela Corporate had sent me a letter confirming that their staff MUST do this properly. The 2nd woman I talk to claimed that she could see in the system that the 1st agent had submitted a request for the {$500.00} to be REAPPLIED BECAUSE THEY HAD REPEATEDLY FAILED TO PROPERLY APPLY MY PAYMENT DESPITE MY REPEATED REQUESTS. I asked her when Mohela would have the process complete. She clearly stated that she did not know how long that would take, that there was no way to make more payments, nor to get more payments, early payments, or current payment properly applied until they finished trying to fix this current issue. I expressed my frustration, because this has prevented me from bringing my account current for 2 months, which is HARMING MY CREDIT SCORE AND CAUSING ME EXTREME FINANCIAL AND HEALTH DISTRESS. Lastly, she became rude, unprofessional, argumentative, and disrespectful. Then she hung up on me. I CAN NOT EMPHASIZE ENOUGH THAT EVERYTHING THEY HAVE DONE TO ME FOR 2 MONTHS IS, AND CONTINUES TO BE, COMPLETELY ILLEGAL. This is a pattern of behavior lasting many decades with XXXX / XXXX XXXX XXXX XXXX XXXX Mohela. THE CFBP NEEDS TO STRIP MOHELA OF IS RIGHTS TO EVER MANAGE STUDENT LOANS OF ANY TYPE. Lastly, anytime Mohela places a consumer in a payment plan, they have designed their website so that it is IMPOSSIBLE for the consumer to make payment online! Specifically, if a consumer attempts to pay on time, early, or extra, the payment is NOT applied to the payment plan!!!!!!!!!!!!!!!!!!!!! Then, when you call and speak to them, they lie, promise to apply it properly over and over and over again, but they never do it right! This causes the consumer 's account to be forever screwed up, makes one afraid to make any future payments, because they applying them incorrectly, knowingly, intentionally, maliciously, and repeated, and CRIMINALLY!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting false information on my credit file. I have tried to fix this issue and Equifax is not responding to my requests or in a timely manner. Equifax is the only agency reporting that I have a collection account from a company I never had any contracts with and this collection is in somebody else 's name. The collection agency never gave me 30 days notice that they were placing " this person '' into collections under my credit report. Equifax needs to remove this item it is not mine. I reported this to Equifax as fraud and they have done nothing but false report.
Product: Checking or savings account

On Thursday, XX/XX/XXXX I tried to login into my Chase Mobile app. The app said that my account was locked or restricted and I needed to call a 1-800 number. When I called the number, the agent at Chase Bank told me the following : 1 ) we have chosen to close your account and dont want to do business with you anymore.

2 ) I dont know when you will receive your funds in your account 3 ) thats all I can tell you.

I was shocked. Im not a criminal nor do I have a record or have committed anything illegal. All this is happening right before XXXX and during a pandemic. I lost my job due to Covid and had been receiving unemployment insurance since XX/XX/2020. Chase Bank made me feel like I was a criminal, had done something wrong, and they werent willing to tell me why they closed my account. 
The next morning I call the 1-800 number early in the morning. The agent tells me over the phone that my account is just restricted and that they needed proof that I was receiving monthly unemployment checks. I was receiving monthly unemployment checks from the state of Minnesota. I am a former XXXX XXXX with XXXX XXXX XXXX and I was based in Minnesota but lived in CA. Minnesota unemployment had approved all my payments. I went to my local branch and took in copies of all my monthly unemployment insurance payments, proof that I was receiving those monies from Minnesota. The bank did not believe all the paperwork that we faxed and scanned to them. 
They closed my account and did not return my monies to me. I had about XXXX in my two accounts. Plus they locked my sons account that was linked to mine. 
I showed the bank my proof from the state of Minnesota and they are treating me like a criminal and keeping my money. There are people that are not paying their mortgages, loans, etc and the bank is choosing to discriminate against me during a pandemic. All for a measly XXXX. 
There will be no XXXX for me this year because of this. Luckily I am sleeping in someones living room as I have a roof over my head, but treatment from Chase Bank is disgusting. Shame on them for trying to hurt others during this time of a worldwide pandemic. Trying to keep my money when they have no right to. Just because others arent paying bank fees, loans, etc.
Product: Checking or savings account

Chase is holding a check that can not be verified by a business phone number by the issuer of the check, the other bank has already cleared the check and the funds were dispersed but will not be released by Chase and subsequently my account has been restricted
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXXXXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency stated that they validated with the Court System a XXXX  on my report. Attached is an affidavit letter from the court system stating that they do not report to this agency at all, and the information provided is inaccurate. The validation is indeed false. 

Name and Adress is incorrect. 
I have never given authorization to release anything affiliated with my identity to any agency The court has not given any information or authorization. 
Please remove my social security number out your system completely
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. 


Account Name : XX/XX/XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXX/XX/XXXX # XXXX Account Name : XXXXXX/XX/XXXX # XXXX Account Name : XX/XX/XXXX# XXXX Account Name : XX/XX/XXXXXXXX # XXXX Account Name : XX/XX/XXXX# XXXX Account Name : XXXX XXXX XX/XX/XXXX XXXX # XXXX Account Name : XXXX XXXXXX/XX/XXXXXXXX # 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 reporting, credit repair services, or other personal consumer reports

Never asked this company to run my credit I told them they could
Product: Debt collection

A collection letter was sent on XXXX XXXX, 2020 claiming that {$8900.00} was placed in collections from XXXX. I have called them and left a voice mail and emailed them and got no response from them. Now they are calling me and saying that because I have not reached out to them, they will sue me. I tried to call XXXX and there is not working number to get a hold of this bank which leads me to believe it does not exist, and that this may be a fraud.

They had my last 4 digits of my social security number and my address and birthday.

My credit score is very good, so this collection debt does not seem to line up with anything.

I have already called Attorney General and they advised me to file a complaint here.
Product: Bank account or service

I was sent an unsolicited debit card with an account already authorized in my name for which I did not apply for, request, nor agree to. The financial institution associated with it is trying to defraud me by opening an account in my name without my permission. It is either an attempt to steal money from me or steal my identity. The bank is NetSpend which is owned by XXXX, which is owned by XXXX XXXX XXXX in association with XXXX XXXX Bank and XXXX XXXX.
Product: Vehicle loan or lease

Key Bank loan. Paid off loan on XX/XX/22, still have not received the title. Called Key Bank on XX/XX/22 and as told that the title would be sent within 15 business days. I still have not received the title as of XX/XX/22.