23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX XXXX XXXX account XXXX Open XXXX closed XXXX Balance XXXX ALLIED COLLECTION SVCS Original creditor Balance Balance updated XXXX XXXX XXXX {$11000.00} XX/XX/XXXX Have duplicate accounts on my credit report, I have no knowledge of this account and car collection bureau of a has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

On XXXX last year I received my bonus ( {$1800.00} ) and deposited via mobile bank using the Comerica XXXX ( XX/XX/XXXX ). The deposit failed due to a glitch and decided to use the auto bank in the nearby Comerica office ( XX/XX/XXXX ). Looked in the bank statement from XX/XX/XXXX to XX/XX/XXXX, and certainly the deposit from the mobile app showed on XX/XX/XXXX. Nothing on XX/XX/XXXX. Waisted a month to receive the bank statement from XX/XX/XXXX to XX/XX/XXXX, no duplicated depot is shown. 

On XX/XX/XXXX, a withdraw shows on my mobile of {$1800.00} with the following description : XXXX XXXX Ref # XXXX XXXX XXXX. Called the bank a couple of times and they said that it was an adjustment. 

On XXXX XXXX, I received the letter stating that it was an allegedly duplicated deposit. Be aware that is AFTER XXXX called them to dispute the transaction. 

Furthermore, On XX/XX/XXXX, {$560.00} showed on my bank with the description : XXXX - miscellaneous. Afterwards, a letter came explaining that Comerica Bank was overcharging for Comerica Web Bill Pay fees from XX/XX/XXXX to XX/XX/XXXX. No explanation on what has been charged and furthermore nothing on the bank statements for XXXX  years. 

On the other hand, Comerica Bank charges {$34.00} per overdraft transaction. Without a grace period. I have communicated this to the bank on several occasions, but no answer was given. 

After almost XXXX years with the same account, I have decided to make a complaint since I certainly believe that Comerica has shown no transparency in their transactions with my account.
Product: Debt collection

XXXX XXXX XXXX XXXX engages in fraudulent practices. The law firm will send " notices '' to dated addresses as " proof '' of service. In addition to tacking on legal fees and filing within incorrect counties and then amending the errors such as filing dates, names, addresses AFTER a judgment has been filed with the California Courts. Consumers are not given the ability to dispute the validity of a debt prior to suffering punitive damages.
Product: Debt collection

Nations Recovery Center XXXX is trying to collect from me a judgement they say I owe from 2007 in the amount of {$1000.00}. I signed a consent judgement and paid directly to XXXX XXXX XXXX XXXX XXXX, XXXX in the amount of {$780.00}. I sent a letter to Nations Recovery stating this exact information and they in return send me a copy of the consent judgement. They have not sent any proof from XXXX XXXX XXXX. I feel they are pulling information from XXXX XXXX online court system and trying to fraudulently trying to collect money from me.
Product: Vehicle loan or lease

- After four years of owning my beloved XXXX XXXX, it stopped running during a WI winter, I needed a vehicle so I searched online- I found an SUV with a {$5500.00} sticker price - I had {$5000.00} cash on hand, and was willing to pay in full - Dealership declined as I was short {$500.00} and convinced me to accept a deal that required {$1500.00} down payment if car loan was opened. He pitched a guaranteed increase in credit score, price tag would not change, and any malfunctions would be covered if added on Gap insurance and warranty, all because he could not budge on the cash offer - I left that night, he called me back with a better deal desperate for a car I return via XXXX, car seat in tow - He offered to trade my inoperable car for to shave the cost down. 
- I agreed to the terms and initiated the car loan XXXXXXXX XXXX XXXX - During signing it was revealed the true cost would total nearly XXXX. Which, although I was upset about the hidden fees, I could not refuse due to my need to get back and forth to work and my 18 month old to child care - By XX/XX/XXXX, the truck 's engine went out - I went back and forth between warranty holders, credit acceptance and XXXX XXXX regarding coverage for the vehicle 's engine- this was a three month process - Continued to pay in full for 8 months XXXX - XXXX {$480.00} ~ XXXX paid off - In XX/XX/XXXXXXXX XXXX I was informed Insurance, nor warranty did not cover the costs of the {$7000.00} job as quoted by XXXX- I then called Credit acceptance and informed them that the cost of the repair exceeded the cost of the vehicle and I would like to use the remainder of my loan to acquire a new vehicle. To which they stated they could not help, but I had to continue to make those payments to settle to XXXX debt. Around this time they quoted and reported to the credit bureaus that it was an {$8500.00} debt ( the amount the loan began with ) - During another phone conversation with CAC in XXXX of XXXX, I informed the supervisor that I wanted to surrender the vehicle, to which they denied me the right. 

- In XXXX of XXXX, I called CAC to once again come to an agreement. The associate explained there was nothing they could do and I still need to pay every month. I explained to them that I will not continue paying the nearly {$500.00} bill for a vehicle that hasnt worked in months, so it would be best if they just picked it up. 
- By the end of the month, CAC repossessed the vehicle, closed the account and reported to the credit bureaus an involuntary repossession - After repossession, the vehicle was sold in a local auction - 3 years later, Credit Acceptance is reporting increasing values to credit bureaus, with a balance now exceeding {$9400.00}
Product: Mortgage

I started the process with Citi Mortgage on XX/XX/2021. At the time of this complaint, XX/XX/XXXX, I still have not finished the process of refinancing. 

The loan processing team and the underwriting team has a long queue time, with turnaround times usually around 2 to 4 weeks. 

However, they repeatedly denied my application over random documents. Each time, they file a " Notice of Incomplete Action Package ''. In total it was denied 6 times. 

The first time was in XX/XX/2021, second time was in XX/XX/2021, third time was in XX/XX/2021, forth time was in XX/XX/2021, fifth time in XX/XX/2021, XXXX time in XX/XX/2021, and XXXX time in XX/XX/2021. 

Each time the asks were mostly documents that I had already provided, but became outdated because of the long wait. Sometimes it was a document that I had already submitted, but for some reason they couldn't find it in the package. Sometimes it was a random inquiry on what my credit checks or financial transactions were, which is going to happen in a 6 months time span regardless. 

They took my {$860.00} fee that I paid in back in XX/XX/2021, and just never approved my loan. Me and my partner had over XXXX in annual income, and XXXX in liquid assets, and yet they could not approve a simple refinance. 

From what I heard, they were outsourcing their processing and underwriting team to XXXX. So I now have American information in a foreign country. I would have never signed up for this if I knew that the underwriting team was in a completely different country. How is there no privacy issues or identity theft issues when I sent all my sensitive documents to this company? 

If you are financing with Citi, stop and go to another company. They do not care about you, only about money. They will do whatever they can to abuse you. 

My Mortgage officer was XXXX XXXX XXXX, my Loan Processor was XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) I am filing a complaint against Cash app/ Block Inc . I believe Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I am seeking appropriate redress for these violations.
Product: Student loan

My loan was transferred to XXXX XXXX based on that I applied to the XXXX. I was not told that my graduated plan didn't fit the criteria, from XXXX XXXX. However, they both think it was the others neglect not to tell me. However, both of those transfers went through the Dept. of Ed.
Product: Debt collection

Previously had filed a complaint through the CFPB ( case # XXXX XXXX. Premier Portfolio Group had finally after the deadline came back with this response : We dispute the claims presented in this complaint as our company does not practice beyond the guidelines of the FDCPA. Our company will close this account, and cease and desist all further communication with the consumer. 

Today XX/XX/18 received another voicemail from them threatening legal action. This is ridiculous. What is it going to take to get this company to stop what is obviously a scam. I believe I have enough now to take this case to the attorney general either in the state they are located or my own state 's attorney general. These people need to be stopped!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platforms, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act and regulation e. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
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 : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Ultimately, on XX/XX/2020, a check was issued in the amount of XXXX XXXX dollars address to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX, N.Y. XXXX Corporate Office listed on their W-9 form, to the above account by the Maryland State Comptrollers office. `In my efforts to locate the check with Loan care I have gotten nowhere since my inquires. A representative and I have reached out by providing a form to verify the lost or non-receipt of the check for a resolve, Nonetheless, in this recent activity with Loan Cares payment and research section. They decided to follow up and therefore close the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX COMENITY BANK ) XXXX ... XXXX XXXX  XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint in regards to the dispute I filed against " XXXX XXXX '' which is now known as Great Lakes. These are student loans that were taking out years XX/XX/XXXXXX/XX/XXXX. 

1. Each trade-line is missing the " account opened '' date or an inaccurate one 2. They claim I made payments at specific time frames but the federal student loan date website shows no payments were made during those time frames. 

3. I have consolidated all my student loans through XXXX   and have made on time payments for three years straight and only have a remaining balance of {$350.00} 4. I wrote to XXXX, XXXX, and XXXX to have the 5 delinquent accounts deleted as they first defaulted in XX/XX/XXXX. It has been 11 years and should no longer show on my credit report. Also, the accounts has been paid in full through consolidation. They came back with the accounts as valid. 

5. I have written and spent hours on the phone with Great Lakes the following student loan providers listed on the National Student Loan Data : XXXX XXXX XXXX, XXXX, and XXXX  XXXX XXXX. None of the companies above have records of my account with them. They have all referred me to XXXX  who says I have made every payment on time and they do not know where those 5 derogatory marks originate from. 

I have no idea how the credit bureaus were able to " validate '' these loans no one had information to my account except for XXXX  who I have an exceptional payment history with. Although these loans are from XX/XX/XXXX, and first date of default in XX/XX/XXXX - they are for whatever reason showing up as much more recent and keeping me from specific credit cards, loans, and credit limit increases. I am trying to diversify my credit and what seems to be an obvious mistake is keeping me from this.
Product: Mortgage

Specialized Loan Servicing stop sending Mortgage Statement XX/XX/2021 have request statement to be sent three times since and reply is always no they dont have to and just go online if I need a Statement I am not in bankruptcy and am offended to be treated as such
Product: Credit card

On XX/XX/XXXX, a fraudulent charge was made on my Chase credit card in the amount of {$1800.00} at XXXX. I contacted Chase bank first thing on XX/XX/XXXX when I saw the charge pending on my credit card. They informed me that they would investigate it and would reverse the charge during the investigation. They did not. The charge posted to my credit card on XX/XX/XXXX. 

I saw additional details were added to the transaction details once posted to my credit card including the identifying order number. I immediately called XXXX XXXX to see if there was still time to cancel the order. They informed me that the item purchased was a XXXX XXXX and had been picked up curbside at the XXXX XXXX XXXX, XXXX location on XX/XX/XXXX. The item was picked up while the transaction was still pending on my credit card. Unfortunately, there was no way to cancel the order. 

The scammer had somehow gotten my credit card number and my billing information to be able to make the purchase. I still have this credit card in my possession. At pickup, if XXXX XXXX had a policy to ask for the credit card to confirm it matched the order - this could have been avoided because I still had physical possession of my credit card. I am also surprised Chase Bank didn't send me a text message or email to confirm if the transaction was valid. I never have transactions this large ( unless travel related like flight/hotel ), I don't live in XXXX, XXXX, and I haven't shopped at XXXX XXXX in several years ( last purchase I can find from XXXX XXXX is in XXXX ). I wish both XXXX XXXX and Chase had better checks and balances in place to prevent something like this from happening. 

XXXX XXXX provided me with the email and phone number used on the order. The email address has never been an email of mine, but it oddly incorporated my maiden name. The phone number used on the order was my childhood home landline from XXXX years ago. Huge red flag! I am wondering what other company/organization has had a data breach for this scammer to not only get my current information, but also know my maiden name and childhood phone number.
Product: Student loan

I have been applying to receive a lower monthly payment from Navient since late XX/XX/2016. I am on an income-based repayment plan, and the amount increased from {$180.00} to over {$400.00}, which I can not afford. I have submitted every document asked of me, and every letter asked of me, and done so quickly and responsibly. Every time I call to check in on my income-based repayment recalculation, I have to start the entire process over again as the employees are not taking notes and no one is updating anything in the system. Also ( and I hate to complain about this, but it is true ), every time I call there is a language barrier that makes things more difficult and slow-going. I get put on hold several times and not a single phone call has been shorter than 45 minutes. Finally, when I have submitted the documentation requested, they have taken several weeks to review what I have sent, and then denied the recalculation because the documents " expired '' in the meantime between submission and review. It is now almost XX/XX/XXXX, and no recalculation has been made, however, they just keep putting off my bill 's due date for the " inconvenience '' while my account continues to accrue interest. I am starting to believe that this is all a tactic to get me to give up and pay them the large monthly amount, which I can not do. This has been the most frustrating experience I have EVER had with a financial institution. This is a crooked company that does not care about it 's account holders ( most of which were assigned to them and never wanted to be their customers in the first place ). Navient clearly has horrible management skills and I feel incredibly sorry for the employees they 've hired overseas who have to deal with the brunt of all our frustration with this crooked establishment.
Product: Mortgage

There has been no assistance provided for my loan. The mortgage company/loan servicing company failed to pay the home owners insurance in XXXX for XXXX. I called multiple times and the XXXX XXXX XXXX assured me the payment was made. However, I received a letter in the mail that stated the home owners insurance was force placed at a rate that creates a hardship. My original homeowners renewal offer was for {$990.00} and the insurance placed by the mortgage company is {$2100.00} This takes my payment from {$2500.00} to {$2900.00}. The mortgage company has shared that they did not pay the policy on time and was unable to be renewed XXXX spoke to them and shared that it is now my responsibility to find a new insurance company and send over proof of insurance. This is a predatory practice that supports the pockets of insurance companies.
Product: Debt collection

company is to collect a debt that is not owe, this is the second collection company trying to collect on this closed account from mobile, I closed my account with XXXX XXXX of XXXX  I paid out my last bill of XXXX $ with no balance in order to port my phone number to a new company, now this debt collector is attesting to collect a debt not new and reporting false information on my credit report I have attempted to try and resolve this matter with mobile and debt collector please see attachments.The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.