23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$620.00} + Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has  resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDEWEST RECOVERY I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
Product: Debt collection

Good morning, My name is XXXX XXXX. I am filing this complaint against Sunrise Credit Services , Inc . This is what happened : On XX/XX/2024, I filed an arbitration process against this company through the XXXX XXXX XXXX ( XXXX ). 

Recently, I received a notice from XXXX stating that they declined to administer my case because Sunrise Credit Services , Inc. failed to comply with XXXX policies regarding consumer claims. 

I request that an investigation be initiated against the company for evading its responsibilities and responding formally to the arbitration process. 

This situation has been difficult for me ; my emotional and financial life has been affected by this problem. 

Please see attached the document from XXXX.
Product: Debt collection

Hello, This account that I am disputing, XXXX has been on my report before and I went through the credit bureaus, and they could not find anything tying me to this debt and it was deleted back in XXXX. A few months ago, I was contacted by the same company, and I told them to contact me by mail. They contacted me by email on XX/XX/XXXX and I wrote them back XX/XX/XXXX asking them to provide proof that I have this debt. They never provided proof and just added this to credit report. I have proof showing that I contacted XXXX during the 30 days for them to provide how I am tied to this debt. 

Thank you.
Product: Student loan

My mail address was changed XX/XX/XXXX. The servicer I have now is not the original loan holder. They have my email and phone number to verify info. 
My bill for XX/XX/XXXX was received 2 weeks late. My bill for XXXX was received several weeks late. I also questioned the rep about part of loan being forgiven due to attending the XXXX XXXX XXXX. They stated I was still responsible for paying the bill on time even though they never contacted my email and just kept sending invoices to the wrong address.
Product: Bank account or service

I AM FED UP WITH WELLS FARGO. THEIR BANK FEES ARE HONOROUS. I HAD APPROX XXXX IN MY ACCOUNT AND XXXX WAS PULLED FROM MY ACCT BY IRS DUE TO A PAYMENT PLAN. FOR MOST MONTHS, MY PAYMENT HAD BEEN XXXX AND I WAS NOT ANTICIPATING XXXX. I PUT XXXX IN MY ACCT THROUGH A TRANSFER WHICH IS POSTED A DAY LATER THAN IT SHOULD BALTHOUGH ITS FROM MY ACCT. TODAY I DEPOSITED ANOTHER XXXX. FROM MY PONT OF VIEW, I HAD XXXX DOLLARS POSTED TO MY ACCOUNT WHICH WAS TO COVER XXXX. BECAUSE OF THE XXXX LATE FEE, I GOT ANOTHER LATE FEE WHEN THE XXXX POSTED. THEREFORE IN 3 DAYS WELLS FARGO COLLECTED XXXX DOLLARS IN OVER DRAFT FEES FROM SOMEONE WHO IS STRUGGLING FINANCIALLY. I HADXXXX IN BILLS AND I AM STILL XXXX IN MY ACCOUNT. I HAD XXXX ADDED TO THIS ACCT AND XXXX BILLS AND I AM STILL XXXX. DOES NOT MAKE SENSE. 
ALSO, I GET XXXX FEES FOR TAKING MONEY FROM MY OWN ACCT TO COVER IN MY IN A CHECKING ACCT SO IT WO N'T BE AN OVERDRAFT.!! 
WITHIN 5 DAYS I MUST HAVE ABOUT XXXX DOLLARS IN BANK FEES. IF I HAD THE MONEY, I WOULD NOT HAVE AN ISSUE. I FEEL THEY ARE PENALIZING POOR PEOPLE.!!!!!
Product: Mortgage

Last year we tried to have out house payments deferred due to us being impacted by Covid Virus. I called to have the payments deferred due to my husband hours being cut down to 25-30 hours a week, we have 6 people living in our home. Loosing that many hours, we could barely make our payments. I was told I would have to prove that we were impacted by the virus, but no one ever explained how to prove it. So, I struggled to make our house payment. They were usually late ; I have the late payments to prove that. Finally in XXXX of XXXX I made my last late payment along with my XXXX payment and got caught up and have been caught up ever since. 
In XXXX of XXXX with the rates being low, I started looking into refinancing our home. I was told we would have to wait till the XXXX payment fell off. So, I waited. I made my XXXX payment in XXXX a few days after making my XXXX payment. I called to check to make sure everything was good and was told they would not show my XXXX payment being paid till XXXX. For good measures I went ahead an paid my XXXX payment in XXXX Neither one of these payments are showing up on my credit report EVEN though they have been paid!!! This is not fair, nor is it right that these payments are not showing up on our reports as being paid! 
If you look at our credit report, Mr. Cooper shows XX/XX/XXXX as a 60 day late instead of a 30 day late. They are not reporting correctly to the bureaus. 
NOW my refinance is being held hostage because they will not update their files!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX  XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I got to XXXX in desperate need of a car. My previous car has died. I'm working full time in the steel mill, my credit is bad, i have 4 judgements against me and am trying to just survive. The XXXX associate helps me find something that would work in my budget. He tells me not to worry about financing that he will help me out. XXXX doesn't do a verification check, an employee check, a credit check to my knowledge and gives me a loan. At the time I'm very grateful to have a car and hopefully I can double up on my payments to eliminate the insane APR. 

Fast forward a few months I have to take leave from work for XXXX XXXX, I come back from that and am laid off. I communicate this with XXXX and they say not to worry they will just add extra payments onto the end of the loan and my loan will always be current. I miss 5 of 6 months but am assured it will be backdated and everything will be fine. I never check my credit report I wish I had. 

In XXXX of last year I learn of a 35 state class action settlement for predatory lending, practices for XXXX that includes my loan, the time period of my loan. I reach out to Indiana Attorney Generals office to get the consent judgment, file a request for it and wait until XXXX. 

XXXX does not comply with what the judgment says. Does not delete the tradeline or correct the improper reporting on any of the credit agencies as they agreed to in the agreement. They claim that I am not part of this settlement. 

I want XXXX to take responsibility for this like they agreed to. I am grateful they gave me a loan in a tremendous time of need but that does not mean it wasn't predatory : Credit score under 500 4 Judgements Bad payment history No income verification 17 % APR on the loan Extended, though not defaulting the loan when 5 of 6 months were missed I wouldn't lend to me at that time. Fortunately my life has changed tremendously over the past 2 years. All of that negative stuff above is all but gone. I've corrected my life and have been healthy. My partner and I are trying to buy our first house and this XXXX tradeline has been a huge stain. It's not accurate. They lied, then settled with these states and didn't do what they said they would in the judgement. 

I'm asking the CFPB to please investigate this, reach out to Santander and fix what is wrong. I'm not the only person this has effected this is widespread which is clearly indicated about their predatory nature in the 35 state judgement. 

I'm attaching my requests with the AG of Indiana 's office and the Judgement
Product: Checking or savings account

Bank of America offers an Overdraft Protection service that allows for automatic transfers from your savings into your checking if the checking gets into an overdraft situation. If Overdraft Protection posts a transfer Bank of America charges a {$12.00} fee. Prior to XXXX, XXXX when Overdraft Protection was initiated, but not posted, if you made a transfer or deposit into the affected account prior to the transactions in question posting the Overdraft protection would not post and no fee would be charged. However now, even if you transfer or deposit funds into the account to cover the pending transactions, Bank of America still moves forward with the overdraft protection transfer and fee. 

For example, I had a debit card transaction initiated on Saturday XX/XX/2021 that was potentially going to cause an overdraft. Bank of America put a hold on the amount of the overdraft in my savings account preparing for the transfer. When I checked my account on Sunday XX/XX/2021 and noticed the potential overdraft I manually transferred funds from my savings into my checking to cover the transaction. In past my manual transfer would have essentially cancelled the overdraft protection transfer. However at the end of the day on Monday XX/XX/2021 when all the transactions posted my account the unneeded overdraft protection transfer went through and i was charged a {$12.00} fee. After hours on the phone with Bank of America and speaking with XXXX different senior supervisors informed that Bank of America did in fact chnage their Over Draft Protection process in XXXX XXXX XXXX. And they could not confirm that any notice was sent regarding the changes to any customers enrolled in the service. 

Another concern I have is that Bank of America freezes savings account funds in order to potentially prevent customers from manually transferring funds into checking accounts to avoid the fee. Lets say you have {$110.00} in your savings account and XXXX in your checking. A transaction posts to your checking in the amount of {$100.00}. Bank of America is going to put a " hold '' on {$110.00} in your savings ( {$100.00} for the transaction and {$12.00} for their fee. With this hold in place the customer can not transfer the funds manually or withdraw the funds to make a manual deposit in there checking to avoid the {$12.00} fee. 

In my opinion the bank has engaged in deceptive practices in order to gather fees. I have since turned my overdraft protection off. I strongly urge this agency to investigate Bank of America regarding their Overdraft protection process and fees.
Product: Checking or savings account

XXXX XXXX has been withdrawing money from my account every month. I reached out to XXXX and they do not see any subscriptions. But I am being charged for one. My bank solution is to order a new bank card. But the withdrawals are being withdrawn from my account.
Product: Mortgage

They stole my money after I paid them. I paid them {$1400.00}. Payment was due XX/XX/XXXX, paid later because there was an issue with my bank, they called me and said today was the last day to pay. I paid, they said they never got it & needed to do an investigation. 

I asked about the next 2 months payments, because I knew I paid. And wanted to continue my payments, about 3 months later after I given them proof of payment, they used my money towards something else which was a scam. 

Then they tried again, then they told me I paid 2x, I said from the beginining to check their account where the money goes they will see that they up by {$1400.00}. They never did it, so that was a tell ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Account No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Has violated my rights 15 USC 1681 section 602 A Section 2 .

States I have a right to privacy 15 USC 1681 section 604 A Section 2 Also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containg any of the followering items of ingormation.any other adverse items of information other than records of conviction of crimes which antidotes the report by more than seven years.

15 USC 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 case to belived that the information is inaccurate
Product: Mortgage

I was a part of the disaster recovery modification program since my home was damaged by the storm. In XXXX Caliber Home Loans started me on a three month trial plan. That I successfully complete in XXXX of this year. They sent the letter the second week in XXXX and then said it was due XX/XX/XXXX. A letter that must be notarized for the application to be complete. With transit time, I had less then two weeks to return the notarized application. 

I returned it on XX/XX/XXXX and sent it priority mail. I did it as quickly as possible. Fast forward to today and I am getting a foreclosure notice on my home and Calber Home Loans are demanding the {$11000.00}. First, less then two weeks to get a notarized paper back and forth is highly unrealistic. I did the best I could and spent my own money to send it priority mail. Second, today they are telling me that I am no longer eligible for the disaster modification, because I did not get the paperwork back on time and that I have to start all over with a new modification process. After an hour with them on the phone, everyone said I had to start the process over and that the time during my disaster recovery would count against me on my credit report. 

I don't want to lose my house so I tried to jump through their hoops, I go to upload the paperwork they want and it wont let me. It says I have to call, error XXXX. It is like they are doing everything they can to try to ensure I go in to foreclosure. How many other people are they doing this to? A two week turn around for a vital document like a notarized loan modification isn't fair and I think illegal. They should be ashamed of themselves for trying to take peoples home who have done everything they have asked of them.
Product: Checking or savings account

-received a letter from Northwest Bank XX/XX/XXXX in short switch your checking accounts to new paperless electronic statements " Affinity Checking '' or get charged $ XXXX. for each account paper statement. 

-enrollment online process had a myriad of problems but completed by XX/XX/XXXX with tech support and email confirmation XX/XX/XXXX received in the time frame. 

-bank not honoring the statement on the original letter dated XX/XX/XXXX received by me XX/XX/XXXX in bold print stating " Enroll all your Northwest accounts by XXXX XXXX to get {$10.00} '' -multiple complaints and grievances made, they refused to give a reference or complaint number for each complaint at my request, last complaint was XX/XX/XXXX, always told will give to Complaint Resolution Team,  they never respond and several months later it remains unresolved. I have not received the {$10.00} promised for any of the 3 checking accounts I enrolled.
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 Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number 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: Mortgage

I have been diligently pursuing a loan modification with XXXX and their servicing agent, Shell Point Mortgage, to avoid foreclosure. We have been working on this for almost a year now. Every time we reach the 30 day period that they have to review my information they send me a statement requesting the exact same information again. I am represented by an XXXX and they are as frustrated as I am. Now, I have been sent a letter declining my modification even though I qualify because they state that they did not receive the required information. I have email verification from them and their counsel that they did receive it, twice. I am now at a point where I may lose my home because their left hand does not know what the right hand is doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX resident verify, rent grow, police and fire XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Afni collection services placed a fraudulent account on my credit. They sent me a notice to collect on the debt however when I viewed my credit the account was already there before they attempted to validate the debt.
Product: Mortgage

We contacted Amerisave mortgage company to get rates We had to give them XXXX dollars upfront. They quoted a rate of 2.4 percent. The loan person didnt make it clear they would be adding XXXX dollars on top of the loan which didnt result in savings. When I read over the loan I saw the XXXX dollars. Our current mortgage company contacted us and offered a slightly higher rate but no upfront fee and payment was about the same. We decided to go with the company we were with. I contacted Amerisave within 2 days, they said the XXXX was non refundable. I filed a claim with the bbb the sales manager contacted me and said the XXXX was not refundable. I saw on this web site Amerisave had to pay XXXX XXXX for the same practice. I saw where XXXX XXXX had sued Amerisave. As a senior citizen we shouldnt have to be subject to this kind of deceit. Thanks
Product: Debt collection

This complaint is in reference to a XXXX XXXX XXXX XXXX account that's reporting in collections with a balance of {$11000.00}. 

This company is violating my rights because this agency hasnt provided validation information which is under 12 CFR 1006.34 ( b ) ( 5 ) but, they placed the collection on my credit report. Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) the collection agency doesnt have the authority to furnish an account to a consumer reporting agencies without having provided any and all disclosures which is required law and Security Credit Services is in clear violation. Unless your company can send tracking information on a certified letter REQUIRING a signature as proof that I received this letter, please cease any future emails, calls and other forms of communications and remove this account immediately. 

In addition, this collection account is reporting as OPEN. This is not under FCRA compliance and my credit report report is supposed to be 100 % accurate. This collection agency has published false misleading misrepresentation and/or deceptive information on my consumer report which has damaged my credit.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My wife and I submitted paperwork to have an Short Sale/Cash for Keys done. We received a letter dated XXXX XXXX, 2016 from Flagstar stating it was complete. Just this weekend we found out the Property was in Foreclosure Sale and that it closed on XXXX/XXXX/16. This as a shock to us since we have only been getting payment notices since we received the letter in XXXX XXXX indicating the short sale/cash for keys paperwork had been received and further notification would occur before anything happened with the house/property. We have never received any documentation confirming a Foreclosure. Billing statements are all we have received and as recent as the XXXX/XXXX/16 payment. The only reason we were aware of the Foreclosure is a XXXX estimate we received on Friday XXXX/XXXX/16 stating the property was not for sale it was Foreclosed.