23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My complaint does not fit the options, so I chose the closest and will explain below. 

Last year, I had private student loans that I mistakenly thought were consolidated with my federal student loans. As a result, I was not making payments on XXXX private student loans and they were sold to Kramer & Frank. I set up a payment agreement with them, which took automatic payments out for XXXX months and then stopped. Since the first XXXX payments were automatic, I did not notice that they had stopped after that. Kramer & Frank then garnished my bank account. I placed several calls to my Kramer & Frank account representative, XXXX XXXX, in XXXX and XXXX ( and left several messages ) with no response. Finally, I obtained an attorney. He was able to call XXXX and get me set up on a payment plan in a matter of days. I have been on this payment plan for all three accounts since XXXX 2016. I have to make these payments in person every month, because Kramer & Frank will not allow me online access. When I try to call in and make a payment over the phone, they have my cell phone automatically flagged to go straight to Mr. XXXX 's voicemail, which he never returns. Needless to say, I have been making payments on these XXXX individual accounts in person since last year. When I went to their office on XXXX XXXX, and was informed that once of the accounts had been closed on XXXX XXXX and recalled by the original lender, XXXX XXXX XXXX. I had not been notified previously that this was happening. They would not accept my payment. When I asked for a contact number for XXXX XXXX XXXX so that I could figure out how to make a payment, the woman at the counter gave me a phone number, and said that it might not be a good number, but to try anyway. She also said that she did not know anything whatsoever as to why my account had been closed, or what I was supposed to do about it. After leaving, I called the number that she gave me ( XXXX ). This company appears to be another collection service that sometimes represents XXXX XXXX XXXX. I gave them all of my information, and they said that all three of my private loans were still with Kramer & Frank, and they have received no communication from Kramer & Frank about getting the loans back. I asked them what I should do, and they said to call Kramer & Frank, who then told me to call the other company back. As a consumer just trying to make a payment, I am incredibly disappointed with the lack of communication that I have received from Kramer & Frank, as well as the lack of interest in helping me. I am aware that it is my responsibility to make payments, however I have not been given any reasonable way of doing so, and I am sure Kramer & Frank are reporting me as not paying.
Product: Credit card or prepaid card

my name : XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX account : XXXX XXXX   for two card chase for 3 card XXXX for 2 XXXX XXXX for 1 I returned to XXXX two years ago and I rarely return to the United States because my mothers XXXX needs to go back to XXXX for treatment. 
This is the new ID, the previous one was lost, and the new passport is returned to the country. 
and These payments are not used in my country in the United States and in other countries I have not been to. The bank has not confirmed with me. 
I have bound the automatic repayment, so many credit cards have overcharged my money. Many of the costs are not used by me and I have not allowed my permission. No one has any email to inform me that I have over-consumed. 
You can check my historical payment credit. I am paying in full. 
I had a credit score of XXXX or more two years ago. 
Now, because I have not passed the transaction I allowed, the expenses incurred are such that the money in my checking account is automatically repaid. Now, my checking and saving are closed. 
I have been in the United States for a short period of two years and the time spent on my credit card was spent when I was away. I lost my passport and ID card.
Product: Checking or savings account

I opened an account with Huntington Bank online, because they offered a generous bonus for account opening.

Their web site does not allow electronic transfers from an outside account, although there is a link for it. I tried several times over a period of a week or so, but it never worked.

I phoned the bank and the rep said that that function hasn't been working for a long time. She seemed very inexperienced and I felt uncomfortable and I told her to close my account.

I recently received a bank statement in the mail which showed that the account was still open.

CFPB should investigate this bank. I suspect a scam because : - Generous account opening bonus shows a desperate need for quick funds - Customer service rep didn't seem to know what she was talking about - Web site did not work for one of the most basic and necessary functions ( transfer funds ) - They did not close my account as I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an old XXXX XXXX account on my file and it needs to be removed. It does not belong to me. Recently, I was mailed a letter from XXXX XXXX that got wet in my mailbox due to heavy rains in my area. It indicated due to the age of this account, it will no longer be reported and it has been removed. Experian refuses to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account that is showing up on my credit report that does not belong to me I have tried to dispute this with all three bureaus as well as the furnsihers and they are not helpin me I need this off my credit report asap since it does not belong to me. 


XXXX XXXX XXXX  - Acct # XXXX Amt {$360.00}
Product: Credit card

I have XXXX XXXX Bank Credit Cards, serviced by Elan Financial at XXXX XXXX XXXX XXXX, XXXX ND XXXX. I am current with all my payments. Over the past several month they have done XXXX or XXXX " hard '' credit inquiries with the credit bureaus. When I talk to the credit card service center they tell me there is only XXXX hard inquire done when you initially get your credit card. After that, they do soft inquiries which do not impact your score. This continual hard inquiries sometimes twice a month is driving down my credit score and making it difficult for me to do business. I sent them a letter a month ago with no response at this point. I ca n't seem to get anyones attention. 

When I sent the letter to Elan telling them the problem I attached a copy of my credit report highlighting the enquires. I do not have that with me here at the office today to attach.
Product: Debt collection

My primary concern is the account mentioned below, which is incorrectly listed as a late payment account. I urge you to provide concrete evidence of this account being late, and if such evidence is not available, kindly remove the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute, as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. UNITED WHOLESALE MOR XXXX  I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Credit card or prepaid card

I applied for what was advertised as a " payment plan '' on a monitor I bought on XXXX. It was actually a credit card through TD bank I found out after. Very confusing advertising, wouldn't of applied if I had known. Anyway I bought the monitor for a total of {$510.00}. The payments were supposed to be equal monthly payments for 24 months interest free at {$21.00}. I never received anything after that, no bill or card from them. I got a call on Monday, XX/XX/2023 from what was labeled as TD bank. It was marked as spam so I called TD banks XXXX number from their website back. Spoke with a representative and explained the situation. We reported the card lost/stolen and she updated me email address to I would get updates. I tried to make a payment of {$64.00}, she said I had to make XXXX and XXXX payment plus the late fee to bring it up to date then they could waive the late fee. She then said she couldn't take it because the account # was blocked when we reported it lost and to call back. I have been trying for over an hour to get a hold of someone today XX/XX/2023. I keep getting transferred saying it the wrong place in TD bank and they will transfer me to the correct place. I have been now transferred 7 times with about 10+ hold times everytime. I still do not have a statement or card and now I can't even get to the right department. This shouldn't be that hard. I need someone to help because I do not have time to do this and they should be sending out statements properly and cards. There should be some process for handling situations like this because I am sure I am not the first. It is not fair to me that I am forced to sit here on the phone for HOURS trying to fix this because they do not have a proper process in place. It either sit here or hang up and wait for the new card that will hopefully arrive this time so I can make a payment before it is reported to the credit bureaus. I am really regretting doing the 24 months plan. I also think they need to update the discription of applying to let the borrower know that this isn't just a plan it's an actual CREDIT CARD not just XXXX XXXX... .it 's very deceptive and states no where about it being a credit card even in the fine print. To me it looks like a one time loan.
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair 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 XXXX XXXX XXXX have 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.
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 CFPA. Specifically, Cash App failed to take timely and affective measures yo 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 EFTA and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$10000.00} & XXXX XXXX XXXX XXXX Balance : {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on. for 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 XXXX XXXX XXXX XX/XX/2021 OPEN BALANCE {$1900.00} ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX. ( 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Student loan

Twice I have tried to en roll in Auto Pay with Navient. For one, they do not allo w you to change the amount that you would like to auto pay. Second, they keep rejecting the auto pay submission because " Your loan is currently not in repayment and will not expire in the next 45 days. '' This is not true because I enter repayment on  XXXX / XXXX / 17 . Today is  XXXX / XXXX / 17 . Since they do not want to be cooperative in setting up easy repayment, I have decided I will pay these loans off by the end of this year. While setting up scheduled payments, they do not allow you to schedule payments more than 2 months in advance. This company makes it almost impossible to easily repay your loans. I feel like company is doing everything in their power to make as much interest off me as possible.
Product: Checking or savings account

Hello my name is XXXX i banked with bank of america and i was a victim of fraud they took out {$2200.00} out of atms first in XX/XX/XXXX they took out {$500.00} then on XX/XX/XXXX they took out XXXX. I called the bank they credited me the money while they investigated. Then on XX/XX/XXXX they took out {$530.00}. I called about the withdrawl they credited the ammount. Then on XX/XX/XXXX they took out {$400.00}. I called once again. They credited me the money till they investigated. Then they took everying away said the claim had been denied. I had the card in my possesion everytime. I never gave my pin to anyone. I was a victim and i get screwed over. Ive gone to the police and ive gotten no help. Ive had a lawyer write letter to bank of america and nothing. Can you please help?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX - Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX
Product: Mortgage

I took out a mortgage in XX/XX/XXXX with Wells Fargo. I paid my payment every month for years, then I was unemployed but still made my payments within the month due, due on 1st but I paid it as soon as I got my unemployment check. Then fees started, it was {$8.00} late fee monthly then a charge that just said other charges - I called that ended up being " oh we had to send someone out to take pictures & make sure you were living there '' but it was a large charge several times. 
Then in XXXX I was working but hospitalized for a fractured hip, needed XXXX & ended up going on early retirement through Social Security at XXXX. I knew this was going to be a major problem with them from my numerous phone calls in the past. I explained I would not be able to make the due date because I would receive my check on the 4th Wednesday of each month, I asked to have the due date changed or put all the payment as an additional end of loan payment with the extra charges. Their only response has always been - " we can't do that but you could have the option of paying an additional payment & the charges in a 4 month plan and still make a payment " I tried several times to resolve this to NO end. 
I don't have any extra money. I did receive a small check a few years ago when Wells Fargo had to pay out claims on mortgage fraud with " the other charges '' but didn't come close to cover my charges. Now my bill shows " no '' extra charges but only shows late fees of {$930.00} - MY PAYMENT IS ONLY {$240.00} A MONTH!! That is almost 4 months of mortgage payments. 
I'm sure by now, you know I can't stand Wells Fargo & their greed. I know several others that feel the same way about them through their own experiences like mine. They need to be more concerned about their customers I pay my bills they just won't work with me. 
Thank you
Product: Mortgage

During the pandemic I made late payments to my previous Mortgage Company Mr. Cooper. The payments were late due to me losing my part-time job. My loan was always current I just ran behind occasionally. 
I submitted a letter of forgiveness citing the " Cares Act '' and Mr. Cooper has refused to meet with me to discuss that difficult time. 
The " Cares Act '' reported consumers would not report late payments during the pandemic. 

I would like Mr. Cooper to remove all late payments if possible as they were made during a difficult time. Currently my report shows my mortgage was paid late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

That time was difficult for all consumers so asking for forgiveness isn't new. 

Any assistance would be greatly appreciated.
Product: Credit card

On multiple dates ending on XXXX XXXX XXXX, the undersigned made XXXX purchases on various internet sites. This same behavior has been repeated for the last XXXX years. This year, each purchase was denied to the vendor. I then called the credit card company wanting to know why. After jumping hoops answering multiple identity questions, the charges were approved. On XXXX XXXX XXXX that changed. I attempted to buy XXXX XXXX  from XXXX. Charge denied. Called and spent two and one half hours on the phone. They demanded that I send a self-ee, and a color picture of my drivers license. XXXX XXXX XXXX XXXX XXXX I do not have the technical ability to comply with those demands. Further, I have had a XXXX  One card for many many years. During all those years I never missed a single payment. I requested the many people I spoke with to review my account and describe any purchase which was questionable. They refused and stated that a security program was responsible, and they could or would not tell me why my account was closed. The last word was that some unknown person would contact me in the next ten business days. I did not do a single thing that was improper in any way. The only difference in my live is that I purchased a new XXXX XXXX. No person asked any questions.
Product: Checking or savings account

All dates, amounts, and actions are included in the attached documents. 


I received a phone call from a person claiming to be from XXXX. I was told there was an issue with my computer and before I knew it, this person took control of my computer. At no time did I give this person any of my banking information, the name of my bank, my account number or any of my login IDs or passwords. I suspected this may be a scam and terminated the call. I contacted XXXX directly and was informed that they did not contact me. At this time, I realized it was a scam and contacted TCF Bank right away.

Unfortunately, TCF did not secure my accounts by restricting access or suspend my on-line banking access. These steps would have prevented the fraudulent withdrawals, including fulfilling a fraudulent XXXX XXXX request for {$2000.00} and processing an electronic check for {$8400.00}. Both withdrawals were sent to the same person. Both withdrawals were completely irregular for my account. I have written about 3 checks in the last 6 months. The scammers check looked nothing like mine.

TCF failed to contact me as to the suspicious transactions and failed to close the account upon my request. On the phone call, TCF told me that no strange activity had occurred on my account and that I should not worry. {$10000.00} later, TCF takes
no responsibility for the loss. They went back to listen to the notes of my phone call and there were none.

To this date, five months later, we have submitted everything TCF has asked for. We have filed a police report. Over those five months, we have called TCF numerous times and get some
one different who needs to catch up on the activity. A typical call is a half-hour to an hour on hold to only be told to call back in a few days. One customer service representative recognized that the case had gone on too long and opened an expedited case. Two days later, the expedited case was officially closed and the non-responsiveness continued. 
I am XXXX and on social security. My husband is a XXXX veteran with XXXX XXXX XXXX XXXX XXXX XXXX. We have a limited income and need this money. We need TCF to be accountable now since they were not when I contacted them before the money was taken. I realize that fraud is a prominent issue in recent times, but this one could have been avoided had TCF closed my account when asked.
Product: Mortgage

I have a complaint with Wells Fargo and I have closed my account with Wells Fargo Home Mortgage. I am writing this to you because they have not refunded my overpayment. In the ensuing escalation of tickets entered by on the Home Mortgage Executive Offices, I have repeated called in and both ( while on hold ) and ( speaking to the Executive representative ) I have been advised the call is and will be recorded and in actual conversations ... that the conversation is being recorded ... .. The implied message is that there is no choice to this matter. ( no option to opt out ) The 5th call that occurred on Wednesday XX/XX/18 I spoke to a person at the Home Mortgage Executive Office and stated within my conversation with them..I also stated that they were being recorded as well. At that time the representative stated quite clearly " Wells Fargo does not consent to being recorded '' This is in direct opposition to all the recordings and statements being given to consumers. It is defacto bullying and intimidation being used with no option being mentioned to opt-out of being recorded ... ... ( which the representative clearly stated to me " Wells Fargo does not consent to being recorded '' to me. 

I am submitted a complaint this is violating customer rights to opt-out of conversations. My Mortage is closed with Wells Fargo and this corresponds to Mortgage Loan .. I want to make it clear that you must OPT_OUT of being recorded. This is completely unacceptable that Wells Fargo makes no mention of Opting out of being recorded. There must be an addendum or mini-miranda stated as well ... .that on all recoded and spoken communication of being recorded THAT YOU CAN OPT-OUT OR REFUSE CONSENT ... this is convenintly being left out of that recorded and spoken opening message .... I will be submitting this complaint to Attorney Generals Offices and to anyone regulatory agentcy I can find to copmplain to until this is changed. YOU HAVE A RIGHT TO OPT-OUT OR REFUSE BEING RECORDED AND WELLS FARGO MORTGAGE IS NOT TELLING YOU THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

I n accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX, -XXXX XXXX XXXX Account Number : XXXX,. 
-XXXX  Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX -XXXX  XXXX XXXX XXXX Account Number : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I mailed certified a dispute letter to Equifax. They received it on XXXX. To this day I have not received my investigation results. They have 30 to investigate my dispute. I called on XXXX and they stated they didnt start the dispute process. That is violation of fcra laws. I need for all accounts included in that dispute to be deleted.