23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PLEASE HELP!!!! 
This crooked mortgage servicing company is making it difficult to get on the covid defferal mortgage plan. My loan qualifies for this plan as confirmed by the customer service rep i spoke with. However, this company has created a very complicated " applications '' process to get the paperwork processed. The rep insists its not an " application '' but an " evaluation '' but they are asking so many questions its no different than applying for the home loan the first time to purchase. 
I was told by XXXX service reps that there is no applications process to qualify for the defferal plan. I already attested to the Shellpoint rep that i'm working and able to resume payments once the forbearance ends but that wasn't enough. He wants to know when my financial challenges started, how it affected my family, who in the family was affected? All manner of unrelated intrusive and UNLAWFUL questions. 

This is criminal. Please please go after these crooked companys. They're out to destroy hard working families.
Product: Student loan

I originally had my student loan thru XXXX XXXX, they turned it over to Nagivent, so I made arrangements to pay Nagivent XXXX dollars a month so they would stop garnishing my pay checks, I was paying them each month and in the fifth month of paying they told me I had to start all over again, and the keep calling and harassing me at least six times a day, so my complaint is, If they are garnishing my pay check that means they are getting paid and should stop the phone calls, I tried working with them but they are making it impossible to do that!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$210000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/XXXX I attempted to log into my US Bank online account through the app. After multiple attempts I was locked out and asked to call the US Bank customer service line. I was then asked if I knew about a transaction that was used on my debit card, I I was told it was suspicious but I quickly informed the US Bank representative that I had actually made to purchase and everything was okay. I was then told to contact the fraud liner for US Bank when I contacted them I was then told them my bank account would be frozen for 24 hours and I was never given a reason for why it was and they took my debit card and froze my bank account. As of XX/XX/year> I am still unable to get in I haven't been able to pay any of my bills eat or have a place to stay. I have contacted an attorney for this banking issue and for one more banking issue. The the second issue of that I never received my smart checking account I am XXXX and unable to fend for myself since my bank account assets were Frozen. Because of US Bank I will not receive my XX/XX/year> Federal benefit credit on time. I have also contacted the Aging people with XXXX office to report US Banks conduct with my banking account and unfairly way I was treated. I received the same actions and punishments as the workers did during the covid pandemic because of US Banks fraud Actions Thousands of families went without any money to survive, this is the very same situation I am in because of US Bank.Thank you, a very unsatisfied customer.
Product: Credit reporting or other personal consumer reports

When I log into my Credit Karma account the error message states that it couldn't check my report right now, check data. The last upadate on my accounts, XXXX and XXXX is XX/XX/year>.
Product: Payday loan, title loan, or personal loan

Began with me getting a {$600.00} loan, fell on hard times miss my first and second payments loan blow up, to {$1600.00} in 2 months okay whatever no problem so I call to settle loan, we both agreed that if I pay {$1300.00} the loan will be settled so I pay the {$1300.00} they send me email stating that they received my final payment of {$1300.00} and when it clears their system my case would be close and over.The next day XXXX get a email say they want more money after we made a settlement agreement. The remaining {$390.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and the criminals tampered with a new car loan that I started with XXXX XXXX in XX/XX/2018 by stealing my mail and other documents that were set up between XXXX XXXX the car dealership where I purchased the vehicle from. Also, he or she called into XXXX XXXX and changed personal information of mine such as my mailing address associated to my auto loan. 
In addition to the identity theft crime ; checks that were placed in my mailbox were stolen from my outbound route and were cashed from an unknown third party which the back is investigating and has credited me the funds. In result to that, I have received 30-59 Days Late days late on my credit profile for XX/XX/2018 and XX/XX/2018. 
I've contacted XXXX XXXX  via phone and certified mail providing my explanation of the identity theft, XXXX XXXX Police report, United States Postal Police Identity Theft Report, and FTC report about this matter and was instructed there is no way to fix the inaccurate information that was reported to the Credit Bureaus
Product: Checking or savings account

I hire Wellsfargo to do my payroll, I sign a Service Agreement with them, they were to provide all payroll services, such as filing my W4, quarterly report, Unemployment insurance from XX/XX/XXXX to XX/XX/XXXX.  Wellsfargo did not file my unemployment insurance tax, which cause Minnesota Department Revenue to levy my bank account. Wellsfargo stop doing business payroll in XX/XX/XXXX, which XXXX were to take all their clients, but I was not giving that same opportunity to do so because XXXX did not want to handled my payroll. I was not able to get passed nor current employees their W2 's. I feel Wellsfargo have cause me hardship. Listed below is what it would take for Wellsfargo to correct this problem is.

1. To file all unemployment back taxes 2. File my W2 for all passed and current employees 3. Pay any outstanding balance that occurred out of them not filing the my taxes on time.

4. I am asking Wellsfargo for a monetary settlement of {$75000.00} to settle this complaint.
Product: Debt collection

On 2019-XXXX, I was contacted by MCU Holdings. As I was driving, I advised them to contact me by email and that I would not talk on the phone longer than necessary. 

On the same day, I received a document via the 3rd party website XXXX. the document states that it is an attempt to collect a debt, but it does not contain notice of my right to dispute within 30 days, nor does it mention anything else about the Fair Credit Reporting Act. The notice also only identifies me by name, not a more authentic identifier such as SSN. Because of this, I suspect the legitimacy of the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Experian three times. Each time I have asked for verification of items on my credit report. I have not received how they performed the process. I have asked. I have letters sent by certified mail and their response. The last time Experian responded they told me they verify but did not provide it. That is not what the FCRA extends to consumers. Also, I did not receive it in fifteen days as per  FCRA. I did receive a response but not verification. If they have the records it is my understanding that they need to provide it when I ask. I do not owe XXXX XXXXXXXX XXXX anything. They have not verified with me either. I refuse to pay a debt to a collector I have nothing to do with. I also refuse to pay a debt I do not have proof is mine. If this debt is mine I want proof and they have not provided it. My letters have been specific. A debt that is not reporting correctly is inaccurate. should I have said that? I have included the last letter with Certified Mail # it also contains the second letter I sent Experian as it's like they just tossed it in the trash.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : 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 XXXXXX/XX/year> These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not idal about this account its fraudulent account on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 90 days past due on XXXX   XXXX - partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don & XXXX XXXX  ; t understand how they usually say that these accounts are mine I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit reports from Equifax, XXXX and XXXX and saw there were multiple inquiries I did not recognize and did not authorize. I contacted the credit bureaus multipe times and they would not help me and gave me the run around. They eventually informed me to make a report on FTC regarding said inquiries 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: Vehicle loan or lease

I made my payments on time every month up until my XXXX issues and place of employment got worse .... I was terminated for reduction and it was out of the blue but work was slowing down so I reached out to Wells Fargo about the slowdown and not working and applied for a refinance 4 or 5 times even applied 15 months after I purchased the car with a better credit score then when I bought the car ... .. they approved me for a loan of 25 k or so and my credit score was XXXX so shocked me but then 15 months later my score was XXXX and I applied for the refinance and denied fast .... when I lost my job XX/XX/2019 I applied 3 more times for a refinance that would have took my payment from XXXX to XXXX would have saved my car and my credit by approving this with a better credit score then when I purchased first time ... .. I  missed every payment for 4 or 5 months because I could only afford rent and food I have XXXX boys as well so at the last attempt to apply for a hardship refi I got approval but only if I pay XXXX then I pay XXXX and had one day to pay it!!!! I couldnt pay so they took 3 months to repo my car and Im still waiting for a call back from a lady who works with ceo of company and they sold my car for XXXX and I owed XXXX left so they sent me a bill for almost 6 k ....???? Im beyond furious and cant wait till XXXX is over and my current lawsuit is over with because of work injury that Wells Fargo knee about and still took my car and denied every attempt for refi?? Help
Product: Debt collection

The company has reported that I owe over XXXX which is impossible. I always paid my rent. I moved out of the unit in XX/XX/year>, no one contacted me and said I owed anything. I didnt receive any letters.
Product: Bank account or service

Hi my name is XXXX, Iam writing because I have medical issues that interfere with me constantly checking my account. I signed up with email and text notifications to alert me of any, including overdrafts I may incur due to the banks inaccurate online statements of available balances. Well Friday I was highly upset due to not knowing I had insufficient funds in my account. Yes I am now aware that merchants do n't necessarily take funds out according to the order in which they were made. So at the time, I thought I had a balance in my account. The problem is the transaction happened Wednesday and I did n't receive an overdraft notification until Friday at XXXX in the morning. If the notification was sent at a more accurate time to allow me time to cover the funds, I would have done so before XXXX the prior day which is what a bank representative told me, would prevent the overdraft, but clearly if my balance is showing overdrawn not to my knowledge, the reason for signing up for notifications is pointless. Please help in this matter as I am never able to make resolve with my bank. I was charged an iverdraft fee and would like a refund due to the lack if the bank not notifying me or allowing me enough time to cover the fee like their policies state. Thank you
Product: Debt collection

No contract with Hillcrest Davidson & Associates. I do not owe this debt.
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 XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX acct # XXXX, 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.
Product: Student loan

My history of my loans are incorrect : I have been trying to rectify this situation with Mohela and the Dept of Education for over a year. My student loans have been handled by multiple companies since XXXX. I am currently a XXXX  and I am trying to get an accurate history of all my payments I have made on my loans since I began repayment back in XXXX. 

When my loans were handled by XXXX XXXX XXXX XXXX XXXX, the payments I had during that time were never stored in the history of the loans, as the company went bankrupt. Now when you look at the payment history of my loans, from XX/XX/XXXX to XX/XX/XXXX, there is no history of payments being made. 

When I reached out to Mohela ( and the Dept of Education ) to fix this information neither could give an answer why the payments were missing. I have also submitted documentation in the form of my bank statements during this time to show payments that were made. And this supporting documentation was also ignored. 

Attached to this complaint are those bank statements with the history of payments.
Product: Credit card

I received a text from Marcus GM Card asking if I purchased something at XXXX XXXX XXXX. I had not made the purchase. A company rep called me to say they would cancel my card and send a new card. Some one changed my email address, password and home mailing address in my Marcus GM Card account. The new card was sent to XXXX and someone attempted to receive a cash transaction of {$400.00} it was declined and they tried a second time. 
I have now updated my Marcus GM Card account with my correct information and requested a replacement card.
Product: Mortgage

This was an old debt that I thought was discharged. I am currently behind in my first mortgage and trying to solve this problem. I called and offered to settle this debt for {$3000.00} and they said minimum was {$6600.00}. I said ok and now they say they want {$86000.00}. I do n't want home to go to foreclosure or me having to file BK.
Product: Debt collection

On  XXXX   XXXX  I sent a letter  to Cab Collection agency  asking them to validate the debt they are saying that I owe for {$100.00}. On  XXXX   XXXX ,   XXXX   I recieved a letter from someone at the collection agency stating they can not find the account that listed on my credit report and asked for me to send in documentation about the debt. The letter stated that I wanted to settle the account but that was not what my letter stated to the collection agency. They have not validated the debt and is not able to validate this debt per the letter they sent to me via the mail.
Product: Credit card or prepaid card

I purchased 6 items from Amazon in early XXXX received items paid my credit card balance off and had a balance of XXXX. Was contacted by email by Synchrony bank in end of XX/XX/2020 telling me they beleived I had fraudulant charges on my acct. and I needed to call them. I called them and asked when were there charges put on my account. Told person I had used card in early XXXX for legitiment purchases and had paid my card off to XXXX balance, she stated charges were made in mid XXXX. I asked why I had not recied a statemnt for these charges she insisted I had. I told her if this was true then those charges in XXXX were not mine I had not used my card since I had paid off my bill. She said she would open fraud claim for those purchases. I assumed situation was being handled and I would hear fron them when matter was resolved. At end XXXX was contacted by amazon stating Synchrony stopped payment on the legimate purchases I had paid for to synchroy bank. I cotacted synchrony bank and asked why they had done that, they said I had opened a fraud charge about those puchases, I told them I had not opened a claim about those charges and expained what I had said to the lady I had talked to in XXXX. I then told them they were valid charges and I had been billed and paid them in full for these charges.I also told them to stop fraud investagation on theses charges. I then contacted Amazon and gave them permission to use my visa on file to pay for theses purchases. I contacted Synchrony bank and explained I had paid Amazon and wanted to close my account., was told I had the credit of XXXX which is what I had paid off my account for ante the price of the legitament pay and since they had stopped payment and I had paid Amazon for the purchases with my visa card I would get a refund check. They sent me a check anI recieved a state ment saying my balance was XXXX and acct was closed. Yesterday XXXX the second I recieved a email from sycrony bank telling me fraud claim was closed and I was responsible for charges and needed to send them the XXXX back and it was now a outstanding balance. I contacted Amazon and they told me sychrony did not send the money back to them that those orders had been paid for in full by my visa card and that they did not except double payments for purchases. They gave me this sits phone number and told me they had alot of people issues with this bank. I called synchony bank back and talked to fruad investagatornamed XXXX and she told me that I was responsible for bill and that Amazon had double billed I explained about my conversation with Amazon and that they had given me this Org phone number and that when I hung up I was contacting you. She then changed her whole attitud and said she would open a billing dispute. I do not owe them money my accont balance should be XXXX that was my money that I had paid to them and they took said pay back from amazon and I paid for puchases with my visa card they never paid for those puchases so how can they think they can charge me.