23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened a case with the CFPB with XXXX as relates to my account and my wifes and both my wife and I have received corespondents from there executive resolution department. Which is listed below, I have emailed, called and received no response on the pre existing CFPB case opened or email and voice corespondents. I have disputed with all three agencies with XXXX simply applying a comment costumer disagreed and Experian moving my single reported late payment from XX/XX/2021 to XX/XX/2021. Which is totally inaccurate. Below is the.email both my wife and received from XXXX on our accounts. I have also attached the payment snapshot showing that there was no late payment in XXXX or XX/XX/2021. This is has been a very hard year for me and my wife due to Covid and we truly love being part of the XXXX family but all that is being asked from even the first CFPB cases opened for both me and wifes accounts was that the single late payment being reported be removed from all three agencies. We are both very much aware of are financial responsibility and take it very seriously, which is why we are working very hard to pay our debt off completely starting with my wifes account next week. You can see the schedule payment in your system. 

From : XXXX Date : XX/XX/2021 at XXXX XXXX  CDT To : Executive Office of XXXX Financial Services XXXX Subject : Re : Your Inquiry to XXXX  XXXX, Thank you for your response please let me know if there is anything you need from me regarding this issue. 

XXXX On XX/XX/2021, at XXXX XXXX, Executive Office of XXXX  Financial Services XXXX wrote : Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure the concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within XXXX. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. 

If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX. I am typically available weekdays from XXXXXXXX XXXX  to XXXXXXXX XXXX, ET. 

Sincerely, XXXX Executive Office of Customer Advocacy
Product: Vehicle loan or lease

I had my loan on auto pay on XX/XX/XXXX my bill is due i. it pulled and was cleared on XX/XX/XXXX. I took it off auto pay. On XX/XX/XXXX They pulled XXXX payment i found messaged ally on XXXX. On XX/XX/XXXX i checked my bank account and the pulled the XXXX payment. I went onto my ally online account and got a response and about them saying about insufficient funds so i called called ally. And spoke to XXXX. He told me it was because i took my bill off auto pay. We spoke back an forth.i to him i had proof on my end from my bank i paid then they pulled 2 more times. He explained to me it had to been a mix up or something. He would refund the money they pulled on the XXXX and then i needed to send a copy of the screenshots of my bank sccounts and/or records throught there app. I attempted informed him i couldnt. He told him to fax them. I had no way to access a fax machine. He then he then up me on hold. I was given the run around over agian. Being transfered from customer service to billing. Told no one can do anything besides using the app. No supervisor will talk to me. I cant email they anything. I asked to resolve the situation and i just get well bc my computer say its this way ur wrong. 


XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( cant give out my member # id ) I answered put her on speaker. She told me seps payment was late. Its do the XXXX. The told me it was XXXX ( Another adult in room ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX ( won't give employee id ) XX/XX/XXXX ( says im 14days past due ) ( cant hear me all of a sudden so hung up and i called back on my husbands phone ) XXXX ( was hung up on on husbands phone ) XX/XX/XXXX XXXX ( hung up on husbands phone agian ) XXXX # XXXX XXXX Called 2x on XX/XX/XXXX first time i missed. 2nd time i answer XXXX answered when i asked where he was from he mumbled and when i asked to repeat he hung up. 
XXXX # XXXX XXXX ( put me on hold and sent me back to main menu ) XXXX # XXXX ( hung up on her she was going to put me on hold for 2 to 3 mins ) around the XX/XX/XXXX XXXX XXXX ( say companyhas no d numbers ) ( refussed to speak to my husband ) XX/XX/XXXX XXXX ( no other info. refused ) XX/XX/XXXX 1
Product: Debt collection

Reached out to the company to let them know I am having a financial Hardship.
Product: Student loan

My loans had been originally XXXX XXXX beginning in XX/XX/XXXX. They were purchased by Sallie Mae and then Navient. I learned about the Pulic Service Loan Forgiveness program and immediately called Sallie Mae to make sure my loans were in the right place. They assured me on many occasions that I would qualify for loan forgiveness as a public school teacher. I also asked about income driven payment plan which is a qualification for the public service student loan forgiveness. I was told if I did that payment I would not have anything left to forgive which was ridiculous as I still have {$40000.00} left now to pay. I payed 10 years ( longer actually ) of ontime payments and checked in multiple times with Sallie Mae about the program and every time they assured me I would qualify for forgiveness in XXXX. I filled out the paperwork for forgiveness and was denied because my loans were not with XXXX XXXX. Sallie Mae lied to me repeatedly. My loan should have been forgiven and paid off. Instead I still have XXXX XXXX to pay.
Product: Mortgage

I have been applying for Mortgage Loan modification on my property since last year without any positive response and has been turned down XXXX times without giving any reason. My property or Loan number is XXXX I have been behind and struggle to catch up with my mortgage payment since the middle of last year due to medical reasons that has affected the family finances coupled with medical bill incurred during my son 's having a procedure on a XXXX XXXX at his school playing ground last year. 
The loan modification application was completed and all the necessary documents including the medical bills were sent to them. I have not even been able to pay the medical bills due to lack fund and some of them have gone to collection. My wife has exhausted her XXXX at her job in the payment of the mortgage with the statement sent to PennyMac. 
My wife and myself are both presently in school and work to ensure better financial status and we are not making enough to meet the family financial needs. 
The major reason for PennyMac denial is that the family is not making enough money compare to what is going out hence the modification is denied which is the reason for asking for modification and I think should be a reason why the modification should approved.
Product: Debt collection

Received a call from ( XXXX ) XXXX on XX/XX/year> at XXXX XXXX in which the following voicemail was left : " Hello, good afternoon I'm calling on behalf of the Premier Group. I am trying to reach XXXX XXXX, it looks like we're trying to get some paperwork scheduled out on behalf of our client. They are requesting for the legal action due to extended non-response and non-payment. Looks like we got you down for XXXX XXXXXXXX XXXX If you wish to avoid that action please respond at this time or have your attorney do so on your behalf. That telephone number is ( XXXX ) XXXX. Thank You. '' They did not identify themselves as a debt collector and threatened legal action if I did not call and respond. This is a clear violation of the FDCPA as they are threatening to sue me when my only income is a XXXX XXXXt that they are not able to touch!
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. 

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress. 

I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( XXXX ) and ( XXXX ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. 

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent me a statement for a credit card I never applied for, I never received, I never activated, and I never used. The statement included an annual fee and a missed payment fee ( for the annual fee ). There were no actual charges for purchases on the account. 

I called XXXX XXXX XXXX  and explained that I did not apply for this credit card, I did not receive this credit card, I did not activate this credit card, and I did not use this credit card. They informed me, their credit cards come activated, so no activation is needed. They said, that since I did not apply for the credit card, I did not receive it, and I did not use it, they were reversing the annual fee and missed payment fee, then closing the account for the credit card. Which they did do. 

The issue is : they left the missed payment on my credit report, even though I did not miss a payment. I did not apply for the credit card. I did not receive the credit card. I did not activate the credit card. I certainly did not use the credit card. 

I called XXXX XXXX XXXX, again, to have them remove this from my credit report. They told me to dispute it with the credit reporting agency. I disputed it with Experian, which is the reporting agency I know it's reported on. Experian said that XXXX XXXX XXXX  confirmed that the credit report is correct, so the credit report will remain unchanged. 

The report is not correct, as it was a fraudulent account, likely setup by XXXX XXXX XXXX  themselves, which is likely why it's the ONLY non-store ( real ) credit card I have ever heard of not requiring the credit card to be activated upon receipt! 

Since I did not apply for this credit card, I did not receive the credit card, I did not activate the credit card, I did not use the credit card, and they quickly reversed the fees associated with the credit card, because they knew it was not authorized by me, it should not be on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. In XXXX 2021. I received bank statements claiming they were my accounts from XXXX XXXX. I disputed with XXXX XXXX, they investigated. They sent me a letter stating they were to remove any and all info about me from the CRAs. In XXXX, same thing happened. They opened accounts in my name, I disputed. They sent me a letter stating they were to remove all info reported about me. 

I reported ID theft to FTC, XXXX, CRAs. Early warning is still showing information being reported from XXXX XXXX. 

I want the info removed. As stated and agreed. 

I have invested too much of my personal time dealing with this mess.
Product: Credit reporting or other personal consumer reports

Yes hello this is regards of credit not reporting nor it not showing payments in the system besides flagship credit acceptance end.They have not been reporting their credit to the credit bureau as stated. Flagship credit acceptance customer service been promising me for the past 5 months that my credit will be resolved and it hasnt they said I would received a letter regarding why it hasnt been updating as spoken an I still have not received no information nor email as promised, they have not solve my case, I am upset for the promises that flagship has promised it has not came to truth. I am dissatisfied as customer for the fact that it not even showing up in the system for XXXX, trades union or XXXX for 5 months going into my 6th month, I am loyal customer thats been paying everything in timely manner but now I am depending to even pay for this month for the fact that It hasnt not been fixed, they said this issue will resolve in 30 business days that date was XX/XX/23 it been way surpass, I would want some sorta incentive for the fact that of the inconvenience I will making dispute every single day until this is fixed. As stated an there actions as customer we do not need to report to the credit bureau its just an incentive for the customers reviews on XXXX for flagship credit acceptance with same issues.
Product: Credit card or prepaid card

In XX/XX/2022 I saw an unauthorized XXXX purchase on my bill. I contacted the bank, which said the buyer 's name was my wife 's and the delivery address was my home, but the person who signed for the package was someone we didn't even know. First of all, I didn't know that online store and I have never bought anything from this website! Second, my family and I have absolutely no experience buying a XXXX XXXX, and the online store is in XXXX XXXX XXXX, while we live in XXXX XXXX, California. We don't know why my wife 's information and my credit card number were stolen. But the bank won't dispute a purchase I didn't authorize. I felt ridiculous. I couldn't agree with the bill because I had never made the transaction. I didn't make this purchase.We never received the XXXX package, and it wasn't signed for by me or my family. So I think the bank will have to dispute the deal for me.
Product: Mortgage

I requested a packet for modification on XX/XX/XXXX. I received the packet today. I completed the XXXX. On Monday XX/XX/XXXX I requested a copy of a demand/foreclosure letter Ocwen 's representative stated they mailed to the wrong address. I wanted this letter to request money out of my 401k to help with a payment plan. I was told on Monday it will be emailed to me. I have n't received it. I submitted RMA packet to Ocwen XX/XX/XXXX for a modification here is what I submitted.
Product: Debt collection

I received 2 emails regarding a debt, from 2 different companies, each company says I owe a different amount, they both claim to be collecting on the same debt, but they are 2 different companies. I have all the email communications from BOTH companies, and asked for clarification as to which company actually owns the debt and who I should be communicating with, and they have not responded. I am very leery to make payment arrangements when I don't know who actually I should be dealing with. Please advise!
Product: Mortgage

Starting about three years ago my wife and I suffered several financial issues all at once which caused us to need a home modification. We had a XXXX which failed and lowered our total income. We got help from " XXXX '' who convinced Wells Fargo to lower the interest rate to make our mortgage affordable at that time, however Wells Fargo also added $ XXXX back into the principle which eventually caught up with us. We then suffered internal damage to our home due to storm winds and internal flooding. We are currently faced with pre-existing XXXX damage ( XXXX to repair ), septic tank failure ( XXXX ), market values dropped from $ XXXX to $ XXXX and my wife diagnosed two years ago with XXXX which has forced her into XXXX retirement. We filed bankruptcy three years ago and Wells Fargo was excused from the bankruptcy in XXXX 2016 after which they notified us of pending foreclosure. 
We requested a modified mortgage with Wells Fargo and after allowing us a three month trial adjustment period they offered us a new loan with an increased principle ( $ XXXX ), an increased interest rate ( from 3 % to 3.2 % ) and a 40 year fixed loan. Upon review of our appeal Wells Fargo recently informed us that we could afford to pay over {$1800.00}. per month although my wife now requires monthly treatments, her income is half what it used to be and we have $ XXXX in home repairs which must be repaired ( basement XXXX XXXX and septic tank ). It seems that each time that we make a new request to Wells Fargo we are told that we can afford to pay more. It seems that they never actually consider our finances and/or our situation. Are there any laws which protect us from this sort of treatment from these large banks. Did n't they get a " bail out '' from financial problems just a few years ago? 
Please help if you can. Advise us if you can not intercede on our behalf. 
XXXX XXXX XXXX XXXX Wells Fargo loan # XXXX
Product: Money transfer, virtual currency, or money service

Klarna offered an option with XXXX computer purchases in XXXX in which they would charge interest free monthly payments for the full amount. I bought a {$1000.00} workstation and signed up for interest free monthly payments. The payments were to continue to be interest free unless a payment was missed, in which case they would add interest. 
My company paid all the payments on time and even set up autopay for direct debit from my checking account. 

When I contacted Klarna, representative could not explain : Why I had paid over {$2000.00} to them for a {$1000.00} interest free payment schedule, Why the amount of money they withdrew from my account changed over the course of time, Why they stated there was over a {$1400.00} balance currently owed. 

Furthermore, the representative stated I could not directly speak to the finance department, nor was i allowed to contact them directly. She stated that the finance department would only communicate with me by email once they looked into my complaint.

I suspect that Klarna is engaged in incompetent or fraudulent activity. I would like to have my excess payments refunded with additional interest owed to me on the excess and penalties.
Product: Checking or savings account

On XX/XX/2021 my husband went to put gas in our car and upon trying to pay with our debt card it was denied. He then proceeded to two more gas stations and the same happened. He called me to see if there was something wrong with the account and that is when I found out after checking online the bank had closed our account no warning no explanations. I called the bank Customer support only to be told to go to the branch to resolve the matter. We went to the XXXX XXXX, Florida branch and were told that the matter was confidential and they could not discuss it. We talked to the branch representative who checked with the home office. The bank representative told us that the matter was with me not my husband and it was labeled " confidential '' and she did not know what was all about. She apologized and said the same thing had happened to her some time back. She advised my husband to open another account and transfer the funds and that would take a few days until all pending items cleared. I have called the bank only to be told the same story, no explanations, no reasons, absolutely nothing. I am an elderly person, no criminal record, excellent credit score. I finally received a phone call from the bank asking me to contact a case worker but I would have to do that at the bank. Today XX/XX/2021 I am going back to the branch to try and find out what is going on!!! This has been very stressful and upsetting for both myself and my husband in our middle XXXX having to be subjected to this humiliation and no explanation. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

Transunion has violated consumer law 1681 ( b ). At this moment I am not able to leave my home so I decided to dispute online. Transunion immediately locked me out. I called verified my identity and they are saying I will only be able to dispute by mail but they are not willing to giving me access to the portal to get an updated report to be able to dispute properly. Please see attached documents and consider this. They should be ashamed for hindering consumers from exercising their rights.
Product: Debt collection

: Intent to file lawsuit, HIPAA Privacy Violation 2nd Request for Validation of Debt : { PHOENIX FINANCIAL SERV } Account # XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency and I haven't received validation of the debt { CPHOENIX FINANCIAL SERV } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the collection agency and credit bureau for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Please REMOVE this debt or properly provide VALIDATION and proof that my HIPPA Rights were not violated : Please send me the following items within 15 days : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :