23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On Saturday ( XX/XX/XXXX ) - I submitted a payment for the amount of {$1700.00}, which is the LAST payment of the XXXX XXXX accounting interest and principal - On that day the website went into an error ( attached ), unaware if the payment went through ( due to no confirmation email or website payment activity ) I tried again. 

- The next day ( XX/XX/XXXX ) I logged back to UASConnect.com ( lender website ) to check payment activity and noticed that the payment DID actually go through ( XXXX {$1700.00} ). I called the lender but customer service did not work over the weekend and my bank had no way to resolve it either. 

- On Monday ( XX/XX/XXXX ) I called the bak ( XXXX  ) to help me reverse the payment since I do not have the funds for those duplicate transactions. The bank places a stop payment on the lender for the payments to not go through. 

- On Monday ( XX/XX/XXXX & XX/XX/XXXX ) I called, emailed and secure message the lender to ask to reverse the duplicate transactions. the lender resolve was that " As per process the overpayment amount of {$3400.00} for your loan id. XXXX under XXXX University will be automatically refunded back within 45-60 days. Thank you! '' However, I mentioned to them I DO NOT have the funds to cover the duplicates and my account will be negative incurring fees if they do not expedite the process. 

- On Wednesday ( XX/XX/XXXX ) the payments go through. The bank bounced one of the three payments, however 2 were made to the lender. I called the lender again to please ask for a reversal of the ACH payment due to insufficient funds, no resolve. I called the bank and was advised to open a dispute to see if the lender can provide the funds back. 

Summary : My account now has a negative balance due to the lender lack of ability to reverse what is clearly duplicate payments, as well as the bank allowing my account to overdraft by more than {$1000.00} without my account having those funds and their inability to reverse ACH transactions that are clearly duplicates. 

I have attached : Bank statement, lender statement and lender website error.
Product: Mortgage

I was in bankruptcy and I had it discharged so XXXX decided to go thru this company called XXXX XXXX so as on XXXX 2015 I had been givingthem {$1200.00} a month to remodify my mortgage loanWell somewhere along the line someone droppedThe ball so now my home was sold and now I haveAn eviction ... what can I do
Product: Debt collection

The company Direct Account Management contacted me on XX/XX/2020 XXXX yesterday ) in regards to possible student loan forgiveness. They seemed to be a legitimate company due to personal information regarding my loans they were able to provide, but I now believe they are fraudulent. They called to help me fill out an application to see if I qualify for any Federal programs for loan forgiveness and/or repayment. Using my personal information, like my social security number and emails, they were able to access loan servicer accounts ( XXXX XXXX, XXXX XXXX, and my FSA ID account ) to see how much I owed. They said they submitted the application and required paystubs ( which I did not provide ). My " loan advisor '', XXXX XXXX, said I qualified for income-based loan forgiveness and explained to me how much I'd be owing to the program ( it was explained that the program would pay off the servicer and I would pay the remaining part of the loan, that was not forgiven, back to the program ). After this he provided documentation that I needed to sign virtually. I was not given enough time to actually read and fully understand what i was signing and pressured me to sign it, which i did. I did not feel comfortable signing the document and I did not understand what was actually in the document. They had access to my parents private information when looking for my loan information and it is unknown if they used it or plan on sharing it ( or mine ) at this time. 

I have been trying to cancel all services with them, as well as, rescind all information that was provided and documentation that was signed. 

The following documents were signed and are attached below ( all information blocked out ) : - Document Preparation and Service Agreement - Exhibit " A '' to Service Agreement Fee and Service Schedule - An Exhibit " B '' was not listed - Exhibit " C '' to Service Agreement - Disclosures and Acknowledgements - Limited Power of Attorney - Selection of Method of Payment
Product: Credit reporting or other personal consumer reports

XXXX and Experian are reporting 2 late payments from XX/XX/XXXX and XX/XX/XXXX on the account listed as XXXX XXXX  which is incorrect. XXXX and Experian DO NOT have access to my private financial records so have no way of verifying my account history. They are also reporting a high balance on the card at {$290.00} that is incorrect. I would like the records that prove this information because if they do have my private financial history each entity will be sued for violation of the federal privacy act.
Product: Debt collection

This is another complaint about the outfit called " Midland Funding LLC '' Through the CPFB process I have learned that Midland bought this " debt '' from a credit card company and that the credit card was issued to " XXXX XXXX '' at my address in XXXX XXXX. My name is XXXX XXXX and I have NEVER used the name XXXX XXXX. Midland ignored this fact and insists that I owe this debt. My original complaint number was XXXX. I maintain that this debt was issued fraudulently and that I do not owe it
Product: Credit card or prepaid card

I submitted my fraud complaint in reference to two charges on my credit card with CitiBank while on my vacation to the XXXX XXXX and my fraud complaint was rejected for the following reasons ; " Our records reflect that these transactions were processed using the embedded chip in the card ending in XXXX and charges that were made before and after the disputed charges were verified as valid. In addition, the credit card was present when the transactions were completed and you confirmed that only you had access to the card. '' This is not a legitimate reason to deny my claim and there is also a false statement on this letter. The sole purpose of my trip was to attend a wedding and I have reason to believe that whoever processed these transactions took my card from my wallet and placed it back in my wallet after they used it. I explained this to the multiple fraud investigators, I also told them that during my stay in the XXXX XXXX I had no reason to have my wallet or even passport on me because as I was staying at an all inclusive hotel and had no reason whatsoever to have my wallet on me. For them to say that I " confirmed only I had access to the card '' is false. I told the investigators that my hotel had cleaning staff walking in and out at least twice a day and that alone gave them access to my card in my hotel room. 

Ive already spoken to 3 managers about this and every time I speak to one they tell me my case manager will reach out to me, but they never do. One manager even went as far to say that I shouldve kept my credit card on me at all times and thats reason enough to reject a claim. Carelessness is one thing, but if my valuables are inside a 5-star hotel room along with my other valuable belongings, one would deem their belongings safe. 

One charge was on XX/XX/XXXX for the amount of {$490.00} and another one on  XX/XX/XXXX for XXXX for purchases at a club I did not go to, amounts that I have never spent at a club in my entire credit card history which shouldve triggered a fraud warning. I only noticed these transactions when I arrived back home and saw my transaction statement. 

Also, after further research it seems the club, XXXX XXXX ( a.k.a. XXXX XXXX XXXX was part of the criminal organization and has since then been closed down. This information can be viewed on the U.S. Department of the Treasurys Office of Foreign Assets Control ( OFAC ) website. 

All in all Im unhappy at how Citibank is handled my case without doing a thorough investigation on their part. I would like both transactions and interest occurred to be refunded Immediately.
Product: Mortgage

Back in XXXX & XXXX, we had applied for several loan modifications, and had been denied many times for different reasons. We fell behind on our mortgage, to no fault of our own ( have documentation of US Bank admitting fault ). As we waited for approximately XXXX year to resolve our or be accepted for modification, we kept in communication with US Bank and were told that we would be fine and they would not put us in foreclosure as long as we were complying with giving the information that they were asking for. 
On XX/XX/XXXX our home was put up for sale. We had continued to keep open communication with US Bank, only to find out they had put our home up for sale. 
At the time, we had XXXX of our XXXX children still living at home, and were scared of losing our home. 
We contacted the Minnesota Attorney General 's Office for help. We were given a mediator, XXXX XXXX XXXX XXXX. XXXX XXXX was able to communicate with US Bank on our behalf, and he stopped the sale of our home. 
In XXXX of XXXX, US Bank found us a modification. 
Our XXXX yr mortgage___ {$110000.00} New Principal______XXXX {$130000.00} New Money _________ {$12000.00} ( with no explanation or breakdown ) We were in duress .... scared of losing our home and having nowhere to go with our family... so we signed. We couldn't afford to pay the arears that were due, let alone, take this paperwork to an attorney to look it over, so we signed so we would have a home for our family.

Just recently, we had gone to refinance or sell our home, and discovered that not only did US Bank add 16 years onto our mortgag
e but also added a clause in the documentation, that we are unable to sell our home without US Bank 's prior written consent. 
I know that there are quite some years that have past, and we're sorry we didn't pay more attention to the new modification at the time, but as I said before... we had no home for our family if we didn't sign the paperwork. 
We also had no reason to look at it again because we have been able to keep up on our mortgage payments ... All of this was traumatic to us and our family and did not want to relive those years. 
We have reached out to Minnesota Attorney General 's Office again on XXXX XXXX, XXXX and was able to ask XXXX XXXX XXXX XXXX if there is anything we can do. 
We understand that time is not on our side... but we were pressured and under duress when we signed. 
Can you help us please? 
XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Vehicle loan or lease

The XXXX % is more than the value of the car this should be illegal.aggressive sale tactics put me in a fraudulent contract and I disagree with the term and conditions I was took advantage of as a customer
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
My primary name is reported wrong, inaccurate and incomplete Account name : XXXX BANK Account number : XXXX XXXXXXXX Account name : XXXX XXXX Account number : XXXX XXXX Account name : XXXX XXXX XXXX XXXX 
Account number : XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number XXXX XXXXXXXX Account name : XXXX XXXX Account number XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account number XXXX  XXXX Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.
Product: Vehicle loan or lease

This letter is to inform you of services that were performed on my XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX, Ga performed a XXXXXXXX XXXX on my XXXX without my consent. However, I agreed to pay for services, in which XXXX XXXX informed me I could make monthly payments to XXXX XXXX until the balance was paid in full. Later, I went to Florida for vacation driving my XXXX ; however, on my return to Georgia the transmission fluid leaked out, the gears locked, not allowing me to shift gears and I ended up stranded in the middle of a busy XXXX XXXX in XXXX, Georgia. Ultimately, this resulted in the transmission being blown and requiring a new transmission in the XXXX. XXXX XXXX XXXX attempted to help me; but was unable to assist. I had to pay {$820.00} to have my XXXX towed from XXXX, GA to XXXX XXXXXXXX XXXX in XXXX, Ga. It should be noted, I was never informed by XXXX nor anyone at XXXX that I would have to pay Sunbit. 

I called XXXX on XX/XX/XXXX at XXXX XXXX to informed him of what happened with the XXXX. I was advised to have the XXXX towed to XXXX, Ga and they would look at it. Once, I was made aware that I would need to pay Sunbit the remaining balance, I informed XXXX, I dont know who that is. However, when my daughter and I spoke with a customer service representative ( XXXX XXXX XXXX at Sunbit ( while at XXXX XXXX ) she informed me they would require a letter from XXXX to cancel the loan. When, I attempted to have XXXX XXXX speak with the representative, he refused, declined, and hung the phone up on the representative. XXXX XXXX informed me they were partners with Sunbit, and they do not provide cancellation letters. Per XXXX XXXX, XXXX is aware they are supposed to send a letter for them to cancel the loan. 

XXXX XXXX XXXX XXXX XXXX, spoke with me, I explained what happened, my dissatisfaction with the services I received, them not taking responsibility for what happened to my XXXX and their refusal to send a cancellation letter. XXXX XXXX deducted {$200.00} off my bill and stated, I would never touch the transmission because its too old, high mileage and the mechanic knows not to work on a vehicle without explaining things to the customer. It should be noted that XXXX XXXX were unable to find the receipt that I signed giving permission to flush the transmission. I paid my remaining balance with XXXX XXXX. However, since this incident, I have been harassed by Sunbit for a loan that I did not agree too, and I do not have a working vehicle to get back and forth to work. Thank you in advance for investigating this matter.
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 violate the consumer financial protection act ( CFPA ) .Specifically, 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 seek appropriate redress for these violations.
Product: Debt collection

Good day Sir /Ma'am, I took out a second mortgage on my home in XXXX with COUNTRYWIDE mortgage for XXXX. After paying almost 2 years on it at XXXX a month my family succumb to financial hardship due to my illness from XXXX. At this time we choose to modify my first and second mortgage through BANK OF AMERICA. I was face to face with the BAC reps when the modified both and signed agreements. In XX/XX/XXXX years later XXXX DEBT COLLECTOR said I owed XXXX for the second mortgage. After calling around skip tracing, contacting family members, belittling me and wife, and calling weird hours of the day. I finally made a complaint with CFPB. Then for a minute or two we had peace of mind. Then in XXXX we got transferred XXXX XXXX XXXX This company not only add interest back from XXXX till now but, they send both me and my wife FORECLOSURE notices just last week in XX/XX/XXXX for XXXX. Interest fees, late fees, service fees and I am assuming lawyer fees as well. As I look on my county record dept. website I dont see a thing. Ever since XXXX do I see anything referring to a second mortgage. No tax or irs papers for interest, nothing on any of my fica example ; XXXX, XXXX, or XXXX. In XX/XX/XXXX I ask them to stop calling me everyday and stop the mass mailings. They continue to call even up to today I block there many number several times. I am not sure if my STATES STATUTE OF LIMITATIONS apply in my case after the barrel rolled the time.Please we need clarity before we lose our home. HELP!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. Being forced to work against my will. I believe my information was compromised and Im asking for certain items to be blocked and removed immediately as I get my life back on course XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  RE : Trafficking Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX {$990.00} Please send me notification of the actions taken. I appreciate your prompt attention to this matter. The XXXX XXXX is a XXXX XXXX XXXX that has the authority to verify my trafficking. 
Sincerely,
Product: Consumer Loan

My car loan was sold to Santander Consumer USA ( acc # XXXX ) in XXXX XXXX. I was subsequently laid off and fell behind in my payments then asked all my creditors including Santander for some temporary help until I can be re employed, this occurred around XXXX XXXX. Santander decided to place the past due payments at the end of the contract, to which I agreed. However apparently the very payment which was then due was not included unknown to me. For three years I was billed a late fee which averaged approximately {$24.00} monthly. After I realized what was happening I contacted Santander to seek relief and the reason why that payment was not included in the verbal agreement. None of the agents I spoke to were willing to help, I finally wrote Santander but I have gotten no response. I find it ridiculous that they would do something like this as why this payment could not have been included. I have continued to pay my loan every month since while the unjust late fees continue to accumulate to approximately over {$900.00}. I seek help in getting this late fee overturned. I am a pensioner and live on a fixed income and do not have the money to satisfy Santander 's greed. I was advised to contact you for a resolution. 
Thanks, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to have erroneous accounts from XXXX XXXX XXXX for XXXX dollars, from my account. I have disputed this account with every other credit reporting agency, and every other agency has removed this account from the report. I have stated time, and time again that I have no knowledge of this account ; never received communication from this account ; and have no idea where this {$120.00} amount came from. Each time I submit a dispute, Equifax comes back and says " this account has been validated to belong to you ''. Furthermore, when I try and log into the dispute results, I get error messages saying they need more information to verify me. Yet when I call the number, I can't get through. With everything this company has put people through, I find it completely disgusting that they refuse to remove an erroneous account, when every other credit reporting agency has done so. I want this account removed and I want explanation from Equifax as to why it's so difficult to get any resolution from this company.
Product: Debt collection

I'm constantly receiving repeated phone calls from MRS BPO LLC. I have no knowledge of this company, nor have I done business with them, yet they are requesting my consumer report without a permissible cause. Pursuant to 15 USC 1692c 805 of The Fair Debt Collection Practices Act, I demand this company cease all communication with me