23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed a complaint with the federal government regarding identity theft that was related to this debt collector. I filed disputes with credit bureaus as well. 

I met with a lawyer representing this firm in XX/XX/XXXX as I had filed a motion to have this judgment set aside, and I followed up with a request to have the garnishment reversed. 

Despite my actions, the debt collection agency continued on and at one point stated I still owed them more funds. As of this date XX/XX/XXXX the credit insists I still owe them {$180.00} despite having over {$1000.00} garnished for my pay for a debt that was not mine nor did I authorize it.
Product: Money transfer, virtual currency, or money service

A friend sent {$250.00} to my inactive Cash App account on XX/XX/XXXX, which is linked to an inactive an expired debit card. Around XX/XX/XXXX, I attempted to get access to the account but was unable to provide the debit card number, because it had expired long ago and was disposed of. That said, the account is linked to my personal info and my phone number, so I attempted to get access to the money by calling and emailing Cash App support. 

Unfortunately, their support has been unwilling to resolve the matter. I presented multiple possibilities that would be satisfactory : 1 ) give me access to the account, 2 ) reverse the transaction and send the money back to my friend, or 3 ) send the money to my active Cash App account. Cash App support did none of these things and did not propose any alternatives. Instead, despite me being able to prove I'm the account owner beyond any reasonable doubt, they simply say : " Your request to access this account was not approved. For security reasons, we can not reverse this decision and are unable to provide additional details. '' I followed up further, but rather than work with me toward a reasonable outcome, they repeatedly copy-paste the above response. Functionally, Cash App is saying that they get to keep my money in perpetuity and that I have no recourse. Obviously that is unreasonable. 

I am willing to work with Cash App to resolve any of their security concerns, but unfortunately they are stonewalling me.
Product: Mortgage

This has happened to me two years in a row now. 

Freedom Mortgage has sent me the upcoming years Escrow Analysis Statements with large errors on them leading to my monthly payments increasing by $ XXXX {$800.00}. Last year it took me over half of the year with close to XXXX hours on the phone going line by line with my payments to prove that I was in the right with my payments, and they were incorrect. This year they have done the same thing. With me even overpaying into my Escrow account off of excess payments last year they are saying I am around {$5800.00} short when I should have around a {$2000.00} surplus. 

When I call the company, they say they will run a new statement ( which takes 10 days somehow ) and someone will be in contact with me. However, they have never called back once even when I proved I was in the right multiple times. 

I can not believe this is happening two years in a row and I do not know what to do anymore.
Product: Credit card

I can not believe I had to request a new card, and you had the one that has been compromised open and still accessible. This is an instance. This still needs to be resolved, the balance removed, and a new card account number issued. 


I ( XXXX XXXX ) sent the email below a week ago, thinking my account was handled as it was at that time. I then got a message the case was closed, but I was responsible for a balance transfer, and they added that back to my account. This is not our balance transfer ; again, fraud was on this account left and right, and you keep closing it, opening it, and allowing fraud. None of the charges, including balance transfer, are my responsibility. This was already over, and you cleared it, but now you have added it back. I have your letter stating this is not my responsibility and would be corrected with all the credit bureaus, but that still needs to be done. The balance transfer needs to be removed. This is not mine and does not belong to me. You had it removed and now added it back. I have sent the hospital stay and XXXX XXXX documents under my care, and I was incapacitated during that time. I had no way for this to occur, which was not ours. You issued the proper credits but recently added the balance transfer, which needs to be removed. We received what we now understand was a fraudulent text message claiming to be Wells Fargo and that the account was hacked or used at that time. It has been past the allowable time to resolve this issue, and I was told it was decided numerous months ago, but it has not been. I was told a new account and card would be issued. 

Please confirm this has been done. I have been in the hospital and will be until the next month. I would like to know if this is handled and resolved before then. 

The violations are still occurring, and I'm receiving collections, letters, and emails for balances that are separate and continue messages. If unresolved, I have reported the violation to CFPB and will report it to the Federal Reserve. This has gone on long enough now and needs to be handled better. I have been a loyal and longtime customer, which has been a challenging and stressful situation that I feel has been mishandled. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried getting my reports from annualcreditreport.com and it kept giving me an error. I called them to find out why and the reps don't know why, they just say try again.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I am having trouble with a XXXX  loan servicer called 'Dept of EdXXXX XXXX and incomplete account on my credit reports. I disputed their account in XXXX of 2024. The issue that the account had was its incompleteness. The payment history specifically. I recall the Fair Credit Reporting Act section 1681s-2 ( b ) ( 1 ) stating that after the have a received a dispute from a C.R.A about an account they furnished, they are required to investigate the matter along with any supporting documentation provided to them as the data furnisher. I have given them ample enough time to conduct a reasonable investigation about the account I have with them, and I was very clear stating that the payment history of the account they furnished fails to report complete payment history on my credit reports with the consumer reporting agencies. This company did not do a reasonable investigation, and I believe they are not looking beyond what is currently in their system pertaining to the correct information needed to update and correct the incomplete account because the same disputed information was not resolved rendering the disputed information incomplete. They updated information that has nothing to do with the issue I prompted them to fill in and correct. They went around the actual problem instead of addressing it. According to the Fair Credit Reporting Act section 1681s-2 ( b ) ( 1 ) ( E ) data furnishers are required to promptly delete an incomplete account if they failed to correct it because at that point it would be considered to be unverifiable. Why are these creditors not taking accountability? They are abusing their power and screwing up our livelihoods as living breathing human beings. A group of humans toying with another human 's life due to negligence without a care as to how it could affect that person even labelled as a consumer. It is not fair. According to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ), ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Payday loan, title loan, personal loan, or advance loan

I requested payment revocation on Monday XX/XX/year> for the payment that was due on Wednesday XX/XX/year>. Dave customer service responded to request XXXX advising that they were not able to complete my request because they require a minimum of 3 business days before a scheduled date of transfer. The account is now past due and I have again requested a payment revocation of all payment authorizations on Friday XX/XX/year> and was again advised on XX/XX/year> that a minimum of 3 business days before a scheduled date of transfer. I advised that I was filing this complaint and the account was sent to a supervisor for review, who provided the same answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a Tradeline Reinstatement Request Approved Letter with the Retail Number : XXXX for a XXXX XXXX XXXX. It states that American Honda Finance Corporation will resume reporting my account to all three major credit bureaus in the next 30 days from the date on the letter. However, that has not been the case. It is now XX/XX/XXXX and I have not seen my account being reported to any of the bureaus when checking my credit scores.
Product: Debt collection

The agency has continued to harass me into paying off debts associated with the contract. Constant calls, emails, and texts. I did ask to be placed on the do-not-call list which they did after multiple notifications. I reached out to see how long information has been stored in the system and the agency stated that the property listed for collections provided the agency with an address. I have had no dealings with this property after the writ was issued so how did this company get the information I never provided them with any addresses. once the collectors stated that the property provided them with information I continued to ask to speak to the manager. the manager continued to not listen to me but used an obnoxious tone and overtalking me before I could get to the point. the manager also stated that the company could collect my information from anywhere. if the collection agency can get my information from anywhere then I am scared that the company could be selling my information to gain more information.
Product: Student loan

LendKey services is negligent in their duty to handle private student loans. I don't have exact dates ; however, on 4 occasions -- once in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the website showed that I owed {$0.00} for my next bill due on the XXXX of every month. Come the XXXX of said month ( around that date ), I get a deliquient loan notice. The first time I thought it was my mistake, but it keeps happening. The company always takes off the late fee, but it messes with my time, finances and mental health to always have to call the company to advise them of their mistake. It's amazing that during a pandemic a company would willfully do this to its borrowers. I have been told many things from the company including that the website doesn't show accurate information ( how not?? ), that I should know what is due every month and shouldn't need an accurate minimum payment statement to keep my account current, and that minimum payment due balances disappear up to 48 hours before the due date ( why???? ). I'm tired of wasting time on this company. Please help.
Product: Checking or savings account

I recently had my irs refund deposited into my Chase account in the amount of XXXX. However, being in XXXX XXXX and my mail goes to Louisiana, I didnt have a physical card, I had the card added to my wallet on my phone to be able to make withdraws and online purchases. I do not have direct deposit set up to it, I use a different bank with my job. After the deposit hit, I started XXXX my family and friends money as well as my girlfriend. When I tried to XXXX my gf, they kept stopping the transfer forcing me to call chase and go through several security features in which I passed and they just kept transferring me. So I finally decided to have a card mailed to me in XXXX XXXX and after she stated it would take 10 days to receive my card I asked her if she could expedite it in which she had to resend another card which would arrive in 2 days for a fee. So still not being able to XXXX my gf I decided to go into the bank, make a withdrawal from my account, I provided all identification they requested and they tell me that my account had been closed by the bank for suspicious activity. That was their fault. If the calls are monitored like they say then they would know that. Every XXXX I completed was successful except the one to my girlfriend and they closed my account without me being aware until I decided to go in and get my funds., Every check that I deposited into my account was from either an attorney or the irs . I have never deposited cash into my account. Only checks from business. So now they close my account saying its restricted and when I asked if they are going to close it, then while Im here in the bank, I would like my funds in cash. They tell me they cant give me my funds and they will send me a check in 10 days. I have no outstanding balance, I dont owe anyone, and I should be able to get my cash. Ive been hung up on, transferred left and right, explaining that any unusual activity on my account is THEIR doing, not mine. All I wanted to do was send a XXXX to my girlfriend and each time I tried they kept stopping it even after I verified. I even brought her to the bank with me and had her show her identification. So I definitely feel everyone needs to know exactly how Chase treats customers. I have attached exactly how many times Ive had to call in to authorize the XXXX transaction to my girlfriend and passing the security verification via customer service rep and they kept canceling my XXXX.
Product: Mortgage

In XX/XX/XXXX I refinanced my home with FREEDOM MORTGAGE with the help of INLINE LENDING who handled all the paperwork. Because of XXXX they sent a XXXX to the house to have all the paperwork signed. We signed all the necessary paperwork, or so we thought, and the loan was processed. In XX/XX/XXXX I received an email from XXXX XXXX XXXX saying that they needed my signature that was missed and that they wanted me to have that document signed, to which I said OK. I then received a voicemail from a XXXX addressing me as XXXX saying that they would meet at a given location ( XXXX is my wife ). XXXX immediately checked with her attorney who advised her not to sign ANYTHING since I was going through a bankruptcy. Mind you I was the ONLY one on the loan and I was the ONLY ONE declaring bankruptcy. 

Since then we have received threats of the loan being called and foreclosure on the property. They also sent me a copy of a document that I signed saying that I would fix any errors that were made, however that document was only good for 365 days after the loan closed. They have also said that we intended to defraud Freedom Mortgage so that we could benefit from the missed signature in some way and that is not true... we did not even know that we missed a signature. 

The fact is that they neglected to do their due diligence and check all the documents prior to processing the loan. According to HUD rules when they accepted our payment of the closing costs they accepted the responsibility of ensuring that ALL THE PAPERWORK was in good order... .IN SHORT THEY PUSHED THROUGH A FRAUDULENT LOAN, BUT THEY ARE TRYING TO BLAME US FOR THE MISTAKE. 

On a separate note they also list my Ethnicity as XXXX on the loan which is far from the truth. 

I am attaching a copy of an email I received from an attorney saying that I need to comply with their requests of face eventual foreclosure of my home for a mistake that THEY made. They have intimidated, threatened and harassed me and my wife for the past few months and they continue to indulge in unethical business practices. Please address this problem... ..Thank you ... XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX I am in disagreement with the account in question being reported by XXXX  XXXX, which still appears on my credit report, even after your investigation upon my request. XXXX XXXX responded to the inquiry, however I would like this item immediately re-investigated. The reporting details are incomplete and inaccurate. These inaccuracies are negatively effecting my credit score. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account in question, so I may follow up. Please send an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant XXXX to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent.
Product: Checking or savings account

On XX/XX/XXXX, I reached out to JP Morgan Chase Bank via email at XXXX As shown attached, the email stated the following : I am searching for funds that remain unclaimed and were last known to have been deposited between XXXX and XXXX from the State of Tennessee Child Support Program. The JPMorgan Chase account the funds were deposited into was account # XXXX ; routing # XXXX My name is XXXX XXXX XXXX XXXX XXXX and I am the account holder. On yesterday, XX/XX/XXXX I faxed two forms of ID, including my Driver 's License and Social Security card to the attention of JPMorgan Central Support Unit at Fax # XXXX. In doing so, identifying my relationship with this account, I hope to speed up the process in searching for the unclaimed funds. 

Should you have any additional information on the funds deposited into this account, please update me. I would like to claim the money, as XXXX through XXXX deposits were never received. 

Thank you for your assistance. 
_______________________________________________________________________ On XX/XX/XXXX, in response to this initial email, the bank requested that I follow up with an in-person branch visit. 
_______________________________________________________________________ On XX/XX/XXXX, I responded on my outcome after following through with JP Morgan Chase 's request to making the in-person branch visit. Within the detailed response, I informed the bank that in making the trip, I had only been inconvenienced and found no recourse. 
_______________________________________________________________________ On XX/XX/XXXX, I received a letter from Chase. Not to acknowledge the bank 's abandoned property division and my rights to a fair opportunity to file a claim, the bank refuses to investigate my lost money and eligibility to make a claim to it, according to the XX/XX/XXXX letter. 

The total loss is {$5100.00} in payments deposited into the Chase account # XXXX : routing # XXXX. The deposits were made between XXXX and XXXX. 
_______________________________________________________________________ Beginning XX/XX/XXXX, a card was issued to me from Chase Bank. In regards to the funds deposited onto the card, the bank is refusing to notify me of where they are. I strongly feel as though I am being denied an equal opportunity, being that I am denied of rights to abandoned property. This is unfair when the department remains actively in operation.
Product: Vehicle loan or lease

Bought vehicle in XX/XX/XXXX. Received tag in late XXXX due to delay in title and registration per their website and COVID. Monthly payments made each month to XXXX in the amount of {$620.00}. Total paid to date on XX/XX/XXXX is {$3100.00}. On morning of XX/XX/XXXX tow truck showed up and repossessed vehicle per orders of XXXX from what driver said. Called XXXX who is lien holder who stated that acct was current and was done per Carvana. Contacted Carvana personnel on multiple occasions in two day period. Had to demand to speak to management for explanation of how a car could be repod almost 7 months after buying when all payments had been paid. Told I broke my contract because my initial deposit of {$300.00} had not cleared my bank on delivery. Said they had called me on numerous occasions. Asked if they had sent me any correspondence via mail or email and told they are a digital company and dont have to. I asked numerous times what my options were and they said there was no option and car was gone. It would be assessed and pending inspection and less fees that I would be given a portion of my money back. Told unacceptable by me and spoke to a legal representative on my own. Called back on XX/XX/XXXX by XXXX, pmt resolution specialist with Carvana and given option of letting them keep vehicle and pending inspection may get some funds back. She did not elaborate on iTold by personnel it may take up to 90 days to finish this process and I asked if I I was going to be responsible for loan in meantime. They stated they would back it off my credit but, became vague when I questioned what about any upcoming payments being due and they referred back to XXXX. They are both affiliated together and different personnel will tell you different things about their relationships between the two. 2nd option was pay the {$300.00} plus a redemption fee of {$400.00}. Also very vague when asked if I would be charged storage and towing fees as well. Now awaiting a request to XXXX to further specify the details in Option 1 and be more Explanatory regarding credit and repo. The worst company ever. Most unprofessional, scamming company and obviously preys on individuals with less than perfect credit. Unethical and immoral practices.
Product: Debt collection

I received an alert from XXXX regarding a collection was added to my credit report. This collection I have no knowledge of and also, I was not contacted by this collection company and I do not have a contract with them regarding anything. I confirmed with US postal service and there is no record of mail or phone call that was sent to me from this company. By law, you have to contact the consumer first and send something in writing, then come to an agreement. And if all else fails, you are required to notify the consumer that this is an attempt to collect a debt. I have not received any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account with XXXX  and Experian reported by XXXX XXXX XXXX for a balance with XXXX in the amount of {$1200.00}. 

I was informed on XX/XX/XXXX that the item was deleted from my credit report due to inaccuracies and violations. 

Now I have discovered that the item has been re-inserted on my credit report by ERC.

In accordance with the requirements of the FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days.

I received no such notification. This is a very serious violation of the FCRA.I have sent notice to the company that they immediately delete the item from my credit report in order to avoid legal action.
Product: Mortgage

All of my mortgage accounts get paid via bill pay from  XXXX   XXXX .   XXXX    XXXX   XXXX  has sold my lo an to Carrington. W hen this loan was transferred over there was a negative amount in escrow account at   XXXX    XXXX   XXXX . Per escrow instructions, I was paying down the negative over 12 month period with my payments . Carrington computer system has expected illegally to collect full escrow negative from my mortgage payment. Per fair credit act this is prohibited. In addition, I was never correctly notified that my payments were going into suspense and late fees were adding up. I only found out because of inaccurate reporting to the credit bureaus and my credit score going down for miss ing payments that  XXXX  has made on time. I have made additional payments to the account to correct the issue.