23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan transferred to Nationstar Mortgage XXXX XXXX from XXXX XXXX XXXX after completed trial payments for modification. Funds held in suspense account after transfer and payments continued to be held in suspense account and not be applied to account until XXXX XXXX. Timely payments were then improperly applied to account causing incorrect delinquent reporting. I have addressed this with Nationstar multiple times in XXXX after I checked my credit and was assured fixed. Re-checked credit XXXX XXXX and requested investigation from credit bureaus resulting in the delinquency to continue to be reported. I am unable to convince Nationstar to correct even when documentation is provided to clearly show payments were sent and received timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago I pulled my credit report and noticed errors on my report. I reached out to the credit bureaus on several attempts, but I was never successful in getting the issue resolved. I have also reached out to the organization as well only to be ignored. XXXX XXXX of XXXX XXXX is illegally reporting to my credit profile which is also violating my rights under the FCRA. 

According to the Supreme Court, child support is unconstitutional. According to Wehunt v Ledbetter, child support was designed to support the state. There is no law that states I have to support the United States Treasury. 

Also, according to Blessings v Freestone there is no legal right for the mother nor the father to receive child support. 

My rights under the FCRA have been violated as well : 1. 15 USC 6801 ( a ) Privacy Obligation Policy : " I have the right to privacy. '' 2. 15 USC 1681 ( q ) Obtaining information under false pretenses : " My written consent must be given before anything can be placed on my credit profile. '' 3. 18 USC 1028 ( a ) Aggravated identity theft : I never gave my written consent for this information to be reported to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Owed {$500.00} debt with XXXX XXXX XXXX  and was sued by XXXX XXXX for {$2300.00} I never knew about court until my employer received garnishment of wages, I settled to pay {$2200.00} with XXXX XXXX before garnishment took effect. First payment XX/XX/2018 of {$1000.00} and second payment for {$1200.00} on XX/XX/2018. I paid XXXX XXXX firm early on XX/XX/2018 {$2300.00} because second payment I made on online with XXXX XXXX would not let me choose amount of {$1200.00} as aggreed on a recorded line. When I called lawfirm they said didn't matter and I wouldn't get a refund since I owed that debt anyway regardless of what was agreed to.I disputed multiple times with 3 major credit bureaus debt was settled but XXXX XXXX keeps reporting debt is negative and keeps coming back as I am responsible. Debt was paid off in XX/XX/2018. My husband was also sued for same debt through XXXX court, he also shows on his credit reports that it is delinquent for {$7200.00} larger amount than what we were sued for and owed. I was fired from employment due to this mess and unable to get credit or loan due to lien/ judgement against me on my consumer reports.
Product: Mortgage

I am in the middle of a loan modification. They are still reviewing my application. But they set a sale date for XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  XXXX  I purchased a    XXXX   XXXX   XXXX   from  XXXX .  The loan was taking out throu gh Chrystler Capital. After making our first payment we were notified that there were major issues with the car that we were  n't aware of before purchasing it. We then were notified that the dealership was n't able to obtain the title to out vehicle which gave us no choice but to turn the vehicle back in along with the plate and temporary registeration. Another month goes by without this vehicle and we are being told that the deal has been closed out yet i have bill collectors reaching out to me for payments to a car that i do not have access to at all. M y credit score had  decrease by  XXXX  points a few days later because of the dealership not being truthful closing out the deal.
Product: Student loan

Ability Recovery Services agent XXXX XXXX was rude when spoke to me regarding a debt. I was not aware of the debt and asked her to indicate that as my response. She told me she would write " I refused to pay ''. I then asked her to speak to a supervisor and she told me she would not transfer me to a supervisor to tell them the same thing I told her. I attempted to call the company back in hopes of getting someone else but I kept getting her. Each time she would hang up on me. I have filed a complaint with the XXXX hoping to have them cease communication with me but they continue.
Product: Debt collection

i have had problems with identity theft, i asked them to send me any information about this transaction to me, i told them i am a victim of identity theft, but they continued to harrass me with threats, calling my job, to no end.
Product: Debt collection

In XX/XX/2017, I received a letter from this company regarding a debt that was supposedly owed to them. I sent a request to this company requesting verification of this debt. To date, verification has not been provided. I requested the legal documentation that shows I entered into a financial agreement with this company and theyve yet to provide. I have now received notification that theyve reported this account on my credit profile. This information needs to be removed immediately until requested documentation is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX Account # XXXX, has violatied my rights. 15 U.S. C. 1681 section 602 A. States I have the right to privarcy 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out instrutions.
Product: Bank account or service

On XXXX/XXXX/15, I initated an on line bill payment with Ally Bank for {$260.00} to XXXX XXXX , XXXX ( XXXX ) to an address in XXXX, XXXX. On XX/XX/XXXX, I was advised by XXXX that my payment had not been received. Upon further investigation, it was found that my payment was directed to XXXX XXXX , XXXX ( XXXX ) in XXXX, XXXX. These are XXXX different companies. After multiple telephone conversations with Ally, they advised me that they have done all they could and as far as they were concerned the payment was made correctly. I even had a conference call with Ally, XXXX and myself where the employee for XXXX advised the Ally employee that my account had not been credited and they paid the wrong company, XXXX. 

Ally Bank uses a 3rd party to process their on line bill payments. Effective XXXX/XXXX/15, Ally replaced the 3rd party processor that mishandled my payment with a different company. The supervisor insisted that XXXX must have supplied the 3rd party processor with the wrong routing and transit number. Seriously? That 's their story? They also insist that they are unable to retrieve the payment from XXXX. Had this been a debit or credit card, I would have been able to dispute the transaction, provisionsal credit would have been issued and Ally could initiate a recall of the ACH transaction. 

In brief, for an online bill pay I supply Ally Bank with recipient, address, account number and amount? I, the consumer, do not supply the routing and transit number. For their story to be believed, one has to accept the fact that someone at XXXX XXXX XXXX supplied the terminated 3rd party processor with the wrong routing and transit number. I would tend to believe the more likely scenario is someone at the terminated 3rd party provider bill pay service either looked up the wrong company, or input something incorrectly. 

Regardless, I have advised them that my directed payee did not receive payment and they are responsible for it 's completion. I provided correct information. I made no errors. Ally Bank is in clear violation of UCC 4A 301-305 for its ( or its contracted and terminated 3rd party provider ) actions. I have lost {$260.00} due to their errors.
Product: Vehicle loan or lease

I have a loan with tChrysler Capital since 2017 Ive been trying to make payments on time then COVID-19 hit and I was having a problem to make a full payment and I pay last than {$680.00} on 2 payments I make less than my regular monthly payment 2 times because I didnt have the total amount of the monthly payment of {$680.00} Because COVID-19 I was having a hard time to making the payments and Chrysler capital report to my credit files that I miss payments but the reality was that I pay last than {$680.00} 2 times and Chrysler capital report it as a missing payment.. 

I called And I send it them a later asking them to take the negative report from my credit files but they refused to do and told me they will not help me .. 
My account is updated and I like it for Chrysler capital get the negative report out from my credit file and they are refusing to do it Im here to get help with Chrysler capital about getting them to get the negative report from my credit files soon as possible.. 
Thank you!!
Product: Debt or credit management

Today on XX/XX/year> I went into XXXX XXXX, XXXX, XXXX, to obtain a new year credit report and noticed a XXXX Jefferson Capitol Systems LLC collection company showing {$11000.00} .This is a formal notice in regards to the inaccurate and fraudulent account ( s ) reporting on my consumer report by the company, XXXX XXXX XXXX. I am requesting immediate removal of the inaccurate account ( s ) I am attesting that I have not received a validation letter from the collection company vial mail nor electronically I am reaching out the the Consumer Financial Protection Bureau I have no verbal nor written contract with XXXX  XXXX XXXXy that states that I owe or agree to pay them any monies. I have no knowledge of this company and again I have no desire to do any business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I as the victim of the fraud, am requesting that the XXXX XXXX XXXX according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and I am aware that this is subject to a {$1000.00} fine per violation
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account was charged off on the following date : Experian : XX/XX/XXXX XXXX : No XXXX XXXX : XX/XX/XXXX Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my consumer rights Ive made several complaints about it Ive called Ive mailed letters I have unauthorized inquiries on my credit report that needs to be removed immediately! 

Here is a list of them here XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Re : Dispute of Multiple Accounts on My Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy and validity of several items that have been reported on my credit reports from XXXX, XXXX, and Experian. The details of the disputed accounts are as follows : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon review, I have identified discrepancies in these accounts that I never authorized. As mandated by the Fair Credit Reporting Act ( FCRA ) 1681b, credit reporting agencies can only furnish reports for permissible purposes. I have not provided written authorization for the aforementioned accounts to be reported on my credit reports, indicating a potential violation of the FCRA. 

For your reference, I have enclosed pertinent documentation which includes proof of my identity, current address, and other crucial details, encompassing my social security card, ID, passport, driver 's license, and insurance card. 

Per 15 USC 1681c-2 and 15 U.S.C 1681 Sections 602 A & 604 A, Section 2, I assert my right to privacy and the inaccuracy of unauthorized entries on my credit report. I demand the removal of the above-mentioned accounts from my credit reports within 24 hours. 

Please find attached a detailed list of the inaccuracies and disputes for your convenience. 

I await your prompt resolution on these matters and expect confirmation of the rectifications on my credit reports. Your immediate attention to this matter is crucial. 

Thank you for your understanding and cooperation.
Product: Money transfer, virtual currency, or money service

Paypal set a hold on my account for 180 days, after 180 days they have to release the money. Meanwhile its locked since XXXX XXXX which is far over 200 days and my money ( 1100 euro ) is still frozen. 
Paypal is not willing to give me any service at all and they do not want to release my money.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX Regional Manager at XXXX XXXX wrote me in response to my inquiry about the {$280.00} NCAC Debt Collections : That she couldn't see where XXXX XXXX ever sent my account to Collections ; and, did not see any judgment entered against me. 
I made the inquiry to XXXX XXXX because XXXX XXXX, XXXX XXXX told me about the debt being an obstacle as far as my name being added as Lease Holder at XXXX XXXX XXXX, XXXX, XXXX, Delaware XXXX. 
No one at XXXX XXXX, XXXX XXXX and NCAC COLLECTIONS has contacted me about the alleged debt before I emailed them after hearing about this alleged debt from XXXX XXXX. I have not received any written communications by U.S. MAIL from XXXX XXXX or NCAC Collections regarding this debt. 
I received a copy of my XXXX credit report today in the mail and indeed it has been on my report since XXXX. And, it is noted that XXXX XXXX XXXX is last recorded for checking my report. My application for an apartment there in mid XXXX was denied. 
XXXX XXXX, after consult with NCAC XXXX XXXX changed her story. Then referred me back to NCAC. To this date, I've not received any correspondences by U.S. Mail for XXXX XXXX and NCAC Collections. I want to see what documentation they provided to Credit Bureaus to support " Fair Credit Reporting '' other than their ledger. I want to their proof that I was notified in writing by XXXX XXXX XXXX  or certified mail.
Product: Debt collection

Midland Credit Management calls every other day while I am at work. They contacted my husband 5 times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) On XX/XX/XXXX I was out of signal and Midland tried to get him to set up a payment plan, tried using intimidation tactics and said he will note that we promise to make a payment amount of {$100.00} on a due date at the end of the month to which my husband declined, they tried to guilt trip him by telling him shes your wife, you should want to help her. We are in Montana where a spouse is not liable for another spouses debts. He told them we would figure something out when I was back and they continued to push him to set up payments for me, warning him that it could be in court next week.
Product: Student loan

Right out of college I was paying {$3000.00} a month in student loans and I was able to refinance down to {$580.00} but was able to pay {$880.00} a month so I did that. However, my total is not going down. I can not afford these student loans and it is so frustrating that MOHELA wont answer me. I cant even get into my account now and they havent been able to help me get back in. I was down to {$59000.00} and last time I was able to look I was back at $ XXXX. I dont understand how they can do that. Im struggling to pay all my bills and student loans are killing me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint as a victim of identity theft related to a data breach involving Experian. Due to this breach, fraudulent accounts have been opened in my name without my authorization. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I requested that Experian block and delete these accounts from my credit report. 

I kindly request that you block this information from my credit report within four business days, pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act. I am a victim of the XXXX data breach and would like for all listed accounts to be blocked and deleted company information from Experian. 

Please delete the following accounts and inquiries : XXXX XXXX XXXX Account : XXXX bal {$5700.00} ( late payments ) U S DEPT OF EDXXXX Account : XXXX XXXX {$2400.00} U S DEPT OF EDXXXX Account XXXX XXXX XXXX {$6000.00} U S DEPT OF EDXXXX Account : XXXX XXXX {$3800.00} U S DEPT OF EDXXXX Account : XXXX XXXX {$2300.00} U S DEPT OF EDXXXX Account XXXX XXXX XXXX {$3800.00} U S DEPT OF EDXXXX Account XXXX XXXX XXXX {$2300.00} U S DEPT OF EDXXXX Account : XXXX XXXX {$2600.00} U S DEPT OF EDXXXX Account : XXXX XXXX {$4900.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Called on XX/XX/22 to follow-up on the California Mortgage Relief Program . California sent a request for services information. I was treated very rudely by XXXX. I attempted to call the office of the customer and my POC was unavailable. I called to find out why the state is still waiting on information. I was told by XXXX that the state isnt sending everything. I asked why else they need from me and she stated getting adversarial towards me. She even sighed and said she was sick and tired of explaining things to me. I asked her can she please tell me what else is needed for the state. She got angry and started yelling at me. I then asked for a supervisor. I was transferred to XXXX # XXXX who was acting very condescending. Was continuously asking me if I was treating me fairly without answering my question. He then finally stated that LoanCare has note responded. LoanCare continuously withholds information for mortgage relief.
Product: Money transfer, virtual currency, or money service

I received an email from Venmo that someone tried to access my acct. At the same time I received multiple back to back phone calls from a number I did not recognize. By the third call, I was worried that it was an emergency call so I picked up the call. The caller said it was an urgent message from Venmo that someone charged {$300.00} and that if I did not enter the pin number that they just sent me, that the charge would go through. So I entered the pin that said it was from VENMO. While I was doing this, I went to my laptop and logged in to my VENMO acct. to see if I could see this charge. I viewed my balance and then noticed from the home screen that the name on my acct. had been changed. I didn't see any unauthorized transactions. This whole time I was still on hold with the call stating they were verifying my acct. Then I noticed that my balance had decreased while I was on the phone. I tried the contact XXXX XXXX  and also the chat bot to ask for help typing in the words help and fraud and stolen hoping to trigger a telephone number or some other direct way to contact VENMO. In the meantime, my roommate found a number for VENMO so I hung up and called them immediately. I was able to connect with a person and told them what was happening. During this time, the last of my balance was drained from my acct. I desperately asked them to stop the transfer knowing this was fraud. They said it was too late ... .that I should have called within minutes ( even though I did ) and that there was nothing they could do to stop the transfer. All of this took place between XXXX and XXXX. The VENMO page of my acct said the funds wouldn't go through until XX/XX/31 but the VENMO rep said that it was still too late to stop the funds from leaving my acct. and all they could do at this point was to open a dispute. This was not an Instant Transfer -- but they still could ( or would ) stop this after verifying that this was an authorized transfer even by their own standards. You can see from the attachments that I did contact them as it was happening and yet they still say it wasn't fast enough to stop the money from being stolen from my acct. Additionally, there is no published number on their site to contact them immediately and their call center is not a XXXX  call center so if you did contact them immediately, they might not be open to help you.
Product: Checking or savings account

I applied for a savings/checking account with the XXXX XXXX app. I went to my local bank branch who helped me fill out the App information. I transferred XXXX to a savings account and {$20.00} for a checking. I requested a debit card which I later received, it was mailed to me XX/XX/XXXX My deposit was made to XXXX XXXX, which is part of First National Bank of Omaha. When I tried to activate my debit card, it would not activate. The number on the card, XXXX tells me to use the app chat feature or email the company. On the app, it tells me " Restricted Access ". It says I can not withdraw funds, use debit care, remove linked bank account or close my account. I CAN ... Add money to XXXX, XXXX money between XXXX accounts, or add a linked bank accout. 
Using the chat feature, I was told that my account was under review and their account investigation team will reach out as needed and they couldn't provide any other information. I continued reaching out via chat in the following weeks, and was told they do not know when my restrictions will be lifted and they will contact me via email for more information or to let me know the restriction has been lifted. 
Tomorrow is day 40 since I made my initial deposit on XX/XX/2023. 
I have also reached out via email and was told basically the same thing. They are reviewing my account and will reach out when and if needed. 
I called First National Bank of Omaha , Fraud department last Friday and once again today. They tell me they are a parent company and can not see any of the information regarding my account. 
On the app, I am able to see, if it is true, my deposit, interest accrued, but can not screen shot any of the information or look at a bank statement. I was able to use my husbands phone and take a picture of my account deposit that they show. 
There is no other way to contact these people, and no way to have access to my money. 
Please Help.