23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I asked to have charged off accounts removed that were purchased or sold to debt collector. Invalid information showing balance on charged off accounts. Accounts were charged offed and still showed a balance on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : 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 a account without my written instructions I also have some inquiries on my credit report that I didn't authorized and unaware of.
Product: Credit card or prepaid card

USAA has blocked use of the credit card on numerous occasions purportedly due to concerns about fraud. The problem arises from : ( 1 ) the frequency and unpredictability of the blockages ; ( 2 ) the entities identified ( some frequented before with no problem ) ; ( 3 ) the lack of a rational process to forestall blockages ; ( 4 ) the failure of the fraud alert system to identify fraud properly ( not one so far ) ; ( 5 ) the likelihood of this system leaving an innocent credit card user in an unsafe position ( one member of my family was blocked from purchasing gasoline while away from home ). As best I can tell, USAA believes credit card users should contact them before they make purchases to assure the company that no fraud is involved. This is obviously ridiculous. Moreover, when we have contacted them respecting travel out of state, it made absolutely no difference. Despite attempts to work this out with USAA, our efforts have been unavailing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulently opened accounts multiple accounts none of them are minea
Product: Debt collection

XXXX from Integrated XXXX keeps leaving voice mails on my home, work as well as main work lines. With some nonsense about needing a statement and failure tomprovide will result in " expedited verification of employment ... -and liquid assets - and prosecuted to the full extent of the law ''. The voice mail is ended I 'm " you have been warned ''. This needs to stop! It is invasion of privacy for receptionist to have this information as well as to have several calls daily. This bogus company needs to shut down their XXXX collections practices. I have no idea what it is for. I have nothing in writing. I have asked them to stop all calls to my job and my phone, family and ex members I do not even know. I 've asked that they send everything they have through the mail as I have nothing from this company and will not deal will such behavior over the phone.
Product: Mortgage

Subject : Urgent Request for Resolution Incorrect 1098 Form and Overpayment Issue Dear CFPB Representative, I am writing to formally bring to your attention an issue regarding the sale and reporting of my home property on XX/XX/year>. The IRS has informed me that an incorrect Form 1098 was provided for the tax year XXXX  by my mortgage servicer : NEWREZ LLC DBA Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, SC XXXX Customer Service : ( XXXX ) XXXX Loan Number : XXXX Despite my repeated attempts to address this matter with the mortgage servicer, I have not received any meaningful assistance. Over the past three weeks, I have made multiple requests to correct this issue. Most recently, I spoke with a supervisor named XXXX XXXX, who provided me with ticket # XXXX in response to my request. However, I have yet to see any progress in resolving this issue. Additionally, I have concerns regarding an overpayment during my loan payoff. On XX/XX/year>, the XXXX XXXX XXXX forwarded {$360000.00} to the mortgage lender, while the exact payoff amount was {$360000.00}, resulting in an overpayment of {$910.00}. I have not received an explanation as to where these excess funds were allocated. This mortgage servicer has consistently been difficult to work with when addressing issues, not only with this matter but also since the original loan date. I have attached supporting documentation to substantiate my claims, including records that indicate an IRS interest and penalty assessment exceeding {$250000.00} due to the incorrect 1098 form. I am requesting the CFPBs assistance in ensuring that Shellpoint Mortgage Servicing promptly corrects Form 1098 and provides an explanation for the overpayment. This correction is critical so that the IRS can accurately update my records. Thank you for your time and attention to this matter. I look forward to your prompt response and resolution. Please feel free to contact me at your earliest convenience. Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have a checking account with Webster Bank. I have had this account for years. I wrote out a check for over {$1400.00} in XX/XX/2020. I was going to put a stop on the check after 6 months went by and it wasn't cashed. I specifically asked the people eat the bank if I should stop the check and they told me that after 6 months the check is stale and can not be cashed, I found out that the check was cashed this XXXX m, almost 12 months after it was written. The bank told me that they can do what they want at their discretion after 6 months. The bank misinformed me and the check should not have been cashed. They take absolutely no responsibility for this. No check should be cashed after 11 months.
Product: Credit reporting or other personal consumer reports

have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Product: Debt collection

I had an account with XXXX XXXX for internet. I closed this account XX/XX/XXXX. At that time I was advised that there would be no additional charges. I then started receiving emails, telling me that a payment of {$66.00} was due, but showing that nothing was due. Sometime around the end of XXXX, XXXX XXXX sent to me to collections, with a company called Convergent. I received a letter from Convergent XX/XX/XXXX, stating that they were authorized to give me payment options, one of these options was to pay {$49.00}, and the account would be considered paid in full. I mailed out a check in the amount of {$49.00} on XX/XX/XXXX, to the address listed on their letter, and with the payment stub that they sent. I then get notification from XXXX for the additional {$16.00}. When I called Convergent this morning ( XX/XX/XXXX ) i was advised that my account was no longer active with them, and that they couldn't help me. That because I sent the payment directly to XXXX and the letter was just sent to me to get me to pay, that XXXX really hadn't authorized this short payment, that they could not help me, that i would need to speak with XXXX directly. When I asked them why they told me to send the payment to XXXX, she said because that is where it was to have been sent.
Product: Bank account or service

complaint on Synchrony Bank XXXX Synchrony bank has committed fraud by saying that they transferred {$6000.00} to my account at XXXX XXXX XXXX. 

On XX/XX/2017, I made XXXX transfers from XXXX XXXX XXXX to Synchrony Bank in the amounts of {$5500.00} and {$6000.00}. On XX/XX/2017, I sent an email asking Synchrony Bank to cancel the transfer. In the interim I tried to transfer the money back myself however, I was contacted by email and told that Synchrony Bank had cancelled my transfer request but it was the wrong one! They did not even look at the time line. Instead of cancelling the transfer that I requested from XXXX XXXX XXXX, they cancelled the transfer from Synchrony. Then they put a " Restriction '' on my account holding ALL of my money hostage. I have made more than a reasonable amount of phone calls to Synchrony bank with no resolution and no money either. 
In these phone calls I asked that the money be sent back to XXXX XXXX XXXX. They transferred back {$5500.00} and said that they also transferred back {$6000.00} and that it would take 3 - 4 business days to get those funds back, this was on XX/XX/XXXX and XX/XX/XXXX. 
I got the {$5500.00} back into my account with XXXX XXXX XXXX but not the {$6000.00}. I have spent days and hours speaking with managers at Synchrony Bank who say that the funds were sent to XXXX XXXX XXXX and that there is nothing they can do. They gave me a trace number ( see below ) and told me to give that to XXXX XXXX XXXX. When I did, XXXX XXXX XXXX said that they have no idea what that number is. I was told that the {$6000.00} was never transferred into my account. 
I have been given the run around by both Synchrony and XXXX XXXX XXXX telling me that the issue needs to be taken up with one or the other. In my opinion, the responsibility lies with Synchrony Bank. They have done nothing but mess up my account and attempted contacts with them from the beginning. 
The " trace number '' they gave me is XXXX. Today is the 5th business day and I do not have my money ( {$6000.00} ) in my account at XXXX XXXX XXXX. 
I spoke with a manager XXXX at extension XXXX. She told me she would call me back in an hour. When I called back after leaving 3 messages with her I was told that when she tried to call me back my phone was disconnected. Interesting since my phone has not been disconnected and it is the same number I 've been calling them from. 
I was given another managers name and phone number and was told to wait another day. That will be 6 business days without my money because of Synchrony Bank.
Product: Mortgage

On XX/XX/XXXX we got a notice that our mortgage was 60 days late. I immediately called Truist Mortgage on XXXX to speak with someone. She told me that the payments had started in XXXX and that I should have been making payments since then. There was a phone call on XXXX I spoke to representative about the missing documents I had to provide and asked if I needed to make a payment, he said not to make a payment until I had gotten confirmation that the modification had been completed. I got the letter dated XX/XX/XXXX XXXX XXXX at the end of XXXX. So, I figured I would need to make XXXX payment as normal but that was not the case. I am 60 days past due now and no one from this company ever called me to collect a payment and was told not to make payments. This was an issue last year when we did the first modification, I made a payment, and they posted it incorrectly and had to start the process all over again. So that being in the back of my mind I was told not to make payment I agreed due to the past mistakes they had made. I have talked to several people since then still no call back from a supervisor. I have filed a correction for our credit with the form they provided but even then, I was told it might not be approved. My husband and I have worked hard on our credit and this 60-day hit has really hurt us. Still, no one at this company has taken responsibility to not notifying me that no payments have been collected but they can send me a Breach letter and count me 60 days late. This makes no sense. I work in the mortgage industry, and I know for a fact there is a process before a breach letter can even be sent. She confirmed that no calls were made for collecting of a payment. I just want our credit fixed I am going to make the payments to get the account current due to this miscommunication with them. I just don't know how they have no one I can actually speak to about credit reporting. To plead my case. They told me to call back on XXXX to see of any progress has been made on the credit dispute. I just feel no one was willing to help me figure this out. Or even admit that they should have called me. I mean if I was missing money I would definitely be calling to collect it but again no one called me. She even saw no one touched my account for the month of XXXX until XXXX when I actually called them.
Product: Vehicle loan or lease

Creative finance sold a car with a check engine light turned off. Light appeared within the first week. Now that the turbo is going on it they refuse to acknowledge/help. 

They claim they call me to resolve the issue but my phone records state otherwise. 

Their service tech ( XXXX XXXX ) recommended I be traded out of it but they ignored the recommendation of their own consultant.
Product: Debt or credit management

I am requesting CAPTAL ONE understanding and compassion regarding my current financial situation. Unfortunately, I find myself unable to fulfill the payment plan for my XXXX account ending in XXXX, despite your assistance in setting it up. This debt has become a significant burden on my credit score, causing me considerable distress. I sincerely regret the inability to meet my financial obligations, and I am genuinely seeking a resolution to this predicament. In light of these circumstances, I humbly request your forgiveness and kindly ask if you could find it within your heart to consider deleting this account. Doing so would alleviate a substantial source of stress and enable me to focus on rebuilding my financial stability
Product: Money transfer, virtual currency, or money service

CASHAPP The issue is with cashapp customer care service. They dont have a direct line that I can talk to someone about my account so I sent an email to find out whats going on with my account why is it locked I have been using cash app for 2 years now so there shouldnt be a hold on my funds or a lock on my account. I sent my cashtag name and my full name phone number everything is listed on my account they refuse to take the block off my account. An is holding XXXX of my money for no apparent reason at all. I did the verifications an nothing is being done about the temporary block. This has. Never happen so I am seeking legal advice because I want to file a lawsuit.
Product: Credit card or prepaid card

I previously filed a complaint XXXX against XXXX XXXX for their paying XXXX despite my letter of XX/XX/XXXX specifically telling them not to. At that time I had a credit balance in my account, and XXXX XXXX decided to steal that credit from me by paying XXXX in spite of my written instructions which XXXX XXXX admitted they received in XX/XX/XXXX. In spite of not having made any charges, XXXX XXXX charged me late fees and penalties AFTER paying XXXX and depleting my credit. In their response to XXXX XXXX XXXX told me to contact XXXX to cancel my XXXX account and if that were unworkable to contact XXXX XXXX so that no further payment would be required. I also received a letter from a XXXX XXXX stating that the payments to XXXX would be placed in dispute but what was not done was to refund any and all late charges and penalties for XXXX XXXX stealing my credit to force my account to go late. More recently as I retired I finally have time to look at my records and it is clear that XXXX XXXX charged me penalties and interest for my repayments that were made on time and in full in XX/XX/XXXX. XXXX is a thief and a scoundrel with the recent XXXX politics it is time to hold XXXX accountable for his theft of my money and not providing any of the " rewards '' that I earned as a XXXX XXXX " member ''. I want repayment of any and all interest and penalties as well as all the payments made to XXXX after my written instructions to NOT pay XXXX after I dropped their ISP service.
Product: Debt collection

XXXX XXXX who is a 3rd party to help consolidate loans have Equitable Acceptance constantly contacting me after I 've cancelled everything with them. They talked me into consolidating my student loans with them and got all my information, social, adress, banking, Financial Aid information, etc. Once i found out i could consolidate my loans for FREE on my own I immediately contacted them within 3days to cancel my agreement. The lady i spoke with had a nasty attitude about me cancelling and told me everything would be taken care of, there was nothing more i needed to do and i would receive my XXXX deposit back which i NEVER received. My credit was ran unknowingly and they also added an revolving credit account on my credit file which later turned into a charge account. I did n't want these things at all. I never received my deposit back for services. They also keep contacting me when I 've told them over and over im no longer interested. The company have accessed my file with XXXX WITHOUT my permission multiple times, changing my usernames etc which is UNACCEPTABLE. i have reported them to my bank so they are n't able to have access to my account and I 've also added an additional password to my XXXX account which is who my loans are consolidated through. XXXX XXXX and Equitable Acceptance are companies who get over on many college grads as I 've read. I receive emails saying i will no longer be eligible for student loan forgiveness, etc which I confirmed was not true at all. They call from different numbers, constantly send emails, and im not sure why when i cancelled everything with the company. The account is on both credit reports XXXX and XXXX. The date opened stated XX/XX/2017 in the amount of XXXX which is now XXXX. They are constantly reporting on my credit. I have submitted disputes over and over but nothing is being done.
Product: Student loan

I refinanced XXXX of my XXXX loans through Navient. When the loan went through, the amount was larger than the the loan I was paying off, and the rest of that money went to the remaining loan and satisfied several months worth of payments. During this time they were accruing interest, and it was n't billed to me. It was only visible on the statement, not on the setup screen for payments on their website. So I had no idea I was being charged this amount of money for interest each month. So now, because I paid early payments for several months, I have to pay down nearly {$500.00} worth of interest before I can even pay towards my principal. It was nice of them to automatically decide for me to take the money and put it towards several monthly payments instead of making one payment toward the principal. And I had to hunt down a number through XXXX just to be able to talk to a human. All of their " main '' numbers are just there to force you to make a payment, and will not let you talk to a representative.
Product: Money transfer, virtual currency, or money service

I have been scammed last XXXX until XXXX by few fraudulent persons/companies. I have attempted through my bank but also directly to the respective bank and merchant to return back my money stolen by fraudulent people. 

I would appreciate if you could assist me recovering my money. 

Thank you Best Regards XXXX
Product: Debt collection

I continue to get calls for loan taken out in my name in XX/XX/XXXX with XXXX XXXX. I called the company and police and reported as identify theft. They left a message on my cell XXXX ext XXXX ref # XXXX today XX/XX/XXXX. 4 months ago I called the loan company they said it was cleared and were going to notify collector to stop harassing myself and family. They are threatening with taking me to court.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft pursuant to 18 USC 1028A. I never gave written or verbal authorization for this account to report on my credit report. My personal information was leaked in the Equifax data breach. This company never sent information about this debt nor responded to me presenting the license proving they are in fact licensed to collect the debt in Florida. XXXX XXXX XXXX is also in violation of 15 USC 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

Canyon Fin XXXX  XXXX, TX XXXX This company keeps making hard credit inquiries on my credit without my permission. They have made 3 hard inquiries since XXXX without my permission. I have asked them to stop over the phone, and the woman 's reply was that they don't have to, she then hung up on me. The dates are XX/XX/2019, XX/XX/2019, and XX/XX/2019. I have not given them permission to do this or to continue to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet has falsely reported me to the credit bureau on financial aid I did not receive. I have sent the documents to them repeatedly. I had a XXXX XXXX, XX/XX/2014 - a few weeks after XXXX closed the doors on us in the middle of taking a test toward graduation and had already received money from the finance department of student loans and Pell Grant. No money was ever given to me. I have attached the documents and emails from that time period. 

This link refers to XXXX lying to XXXX students stating they would transfer the credits and we would graduate on time. A Blatant Lie. They also took money and nothing happened. They didn't transfer the credits and I have emails to prove it. I withdrew from the school and never completed classes based on the consistent lies and not being forthcoming. These folk caused me to have a XXXX XXXX with the scheming and scamming. I was a XXXX student at XXXX and made the XXXX XXXX XXXX repeatedly. I lost hope in the system of furthering my education. Nelnet came in and have also made promises and not delivered. I have not taken these folk money and I don't owe it. 
http : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to this credit report number XXXX from Experian I try to get in contact with them to delete XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on his way in XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize these charges on it come from a person with a similar name as me but I have a police report and Im uploading and I would like all the sizes and all the incorrect name so my file delete it from XXXX XXXX XXXX and Experian
Product: Credit reporting

I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$5200.00}. I disputed the account with XXXX XXXX XXXX and all three credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all three credit bureaus to remove the incorrect information from my report.
Product: Debt collection

There is this chargeoff on my credit reports from Montgomery Wards. I've never had a account with them nor have I ever applied for an account with them. This has negatively affected my credit for years. I've tried everything to have it removed to no avail. I've been hurt enough by this being on my credit.