23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a letter in the mail from Javitch Block LLC about an account of mine going to them to try to get payment. Upon receiving the letter I had called the company to call the company to get a settlement set up. At the time we agreed to {$95.00} a month to be taken out on the XXXX of each month until the full balanced was paid. The lady that we were speaking to was trying to negotiate a higher amount saying that the longer it's in collections the more my credit would be hurt and that a higher payment would significantly help my credit. Finally, I got her to agree with said {$95.00} a month after some arguing and being interrupted multiple times. Early XX/XX/XXXX I received a letter from Javitch Block saying they were taking me to court due to non payment. When I called them they said that the banking information provided to them was incorrect after having the previous associate confirm the account information that I had pulled up that was linked to my direct deposit. At that time we had to re-set up a payment settlement. The associate we talked to this time was a lot friendlier than the first person. This person then said the very minimum I could pay each month would be {$200.00} and that nothing lower could be settled even though the previous associate messed up the payment eventually saying the same that my credit was going to be heavily effected until the balance is paid off. I asked to just be enrolled on auto, but the person refused to get me set up on auto deduct, but asked for the account information eventually, so I figured the auto was set up. Yesterday, ( XX/XX/XXXX ) I received an affidavit saying that my wages are set up to be garnished without needing signature from me, due to my bank already signing off on it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Payday loan, title loan, or personal loan

I have contacted Captial One 360 Checking Department and also the Security intake Departemnt, in reference to a Overdraft Line Of Credit Issues. I applied for a checkings account and overdraft line of credit limit increase and both were approved. For the last few weeks I have encountered numerous of little to none communication from Supervisor and Customer Service representatives, with lack of knowledge of a technical issue with their system. I have been verified several times and two tickets were put in for this issue in their end to be resolved. As a new customer I am very disappointed with the wait time, non communication, long wait holds, back and forth with different departments and supervisors, no updated notes in the system and a full work day of several weeks with nothing resolved. This has been a inconvenience to me and I have two hard credit inquires on my credit report from XXXX  and XXXX. Which were pulled from Capital One, in reference to the Overdraft Line Of Credit that I was approved for and not able to proceed online with obtaining. This is misleading and has been a long unsuccessful wait. As a customer I would not recommend this bank, unless this matter is resolved. A customer should always be valued and handled with care as business should be their priority and any issues should be addressed immediately. Supervisors should be there to make sure issues like this are resolved promptly. If I cant access my approved overdraft line of credit. A credit to my account or checking should be applied, as most banks do. Technicians/ technical support team who work full time ( 8hrs a day ) 5 days, this issue or locating a bad code error should not exceed over two weeks as its doing. Please resolve this issue so I can continue banking services with Capital One 360.
Product: Mortgage

My issue is my mortgage company keeps increasing my monthly payments every few months which these amounts are completely different from the monthly amounts scheduled in my original loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive repeatedly disputed with XXXX  and XXXX  my late payments reported on credit report from navient. I supplied documents proving the late payments were jot late just deferred but neither will change my report.
Product: Mortgage

The lender Mr. Cooper who services the loan has been complained about their practices to intentionally procure homeowners homes. They state they offer modifications to reduce payments and intentionally confuse consumers. I have notified them several times that the lender was predatory and to go back to the lender to modify from XXXX XXXX interest only loan at XXXX interet only. It has recast and XXXX is now ovre XXXX and terms and conditons were not explained on the refinance. They purchased from XXXX XXXX XXXXXXXX the servicing. They will not take my financial documents for miodification to reduce payment and extend terms and every time they have doubled or tripled the payment making it difficult to pay vs modifying with a lower payment. Their response is I should of known. The complaint also needs to be forwarded to the attorney general of Georgia they have complaints in XXXX states and fail to take responsibility and work with the investors they service to assist me. Anyone can see by looking at the note it clearly was predatory lending. They in XXXX letter show I can modify as an option and then they state they can't because it has matured and then they state I can do a modification just by a request with no financial docs to try to lower my payment. Both Mr Cooper and XXXX XXXX are taking advantage of me as a consumer with countless stress and hours trying to take my home I have owned for XXXX yrs.. I am requesting they modify my loan to a 30 year loan vs. 15 and a traditional loan and get me out of the interest only predatory loan for the XXXX request at least and waive the over XXXX in interest and that it should be based on the principal balance owed. They have an excuse every time. You also can not make your modification payments online and they do not tell you that in any paperwork or over the phone. They should help consumers not make it impossible to modify. I have on my loan docs dedicated loan XXXX but never once heard from him it is only on paper designed to look like they ioffer help- they never work with you and never once heard from him XXXX
Product: Debt collection

I have sent multiple letters and proof to XXXX XXXX XXXX that the transactions on my XXXX XXXX XXXX were not mine. 

Disputed transactions : XX/XX/22- {$100.00} XX/XX/22- {$510.00} XX/XX/22 - {$360.00} XX/XX/22- {$44.00} I have written XXXX XXXX XXXX a formal letter on XX/XX/22 disputing the above transactions but they have ignored my dispute only calling me more and without explanation or proof from their investigators as to why they believe it was me and have referred it to RGS financial to collect the debt whom I have also written a letter to on XX/XX/22. They have continued to call and request this money although I have clear evidence that it was not I or anyone I know who made these transactions. I am extremely frustrated with XXXX and how poorly and unprofessionally they have handled this case and how they have treated me. 

Attached are my formal letters, correspondence I've received and my card purchases and payments I've knowingly made.
Product: Checking or savings account

have been locked out of my Credit Karma Money account, where my IRS tax refund was deposited. I have had this account for nearly XXXX years with no login issues, but as soon as I received a large deposit, Credit Karma suddenly required identity verification using my old phone number, which I no longer have access to. 

I have contacted Credit Karma multiple times via phone and live chat but have received no resolution. I provided my expired state ID along with my temporary state-issued ID ( which is valid and official ), but Credit Karma XXXX XXXX verify my identity through any other means, including answering security questions. 

Their customer service repeatedly transfers me to a XXXX team, but no one actually helps. I even waited almost XXXX hours in chat without getting a real solution. I asked what would happen to my money if I closed my account, and they refused to provide a clear answer. 

I am currently XXXX and unemployed, and this is my only source of income. Credit Karma is effectively holding my money XXXX. I am requesting the CFPB to investigate Credit Karmas handling of account access and verification issues, as this is causing serious financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$8400.0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I completed an Apple Card credit application and was denied. I do not agree with this decision as my credit was considered and I did not receive the credit in the fair exchange of this process. 

Best Regards, XXXX XXXX
Product: Student loan

I had an income share agreement for 7 % for 24 months. I have been making these payments and reporting income changes in good faith. Couple weeks ago, I made my XXXX payment and was happy to know that I have XXXX payments left. Couple days ago I logged in and noticed that my account has a large negative balance, meaning I overpaid. The account also showed that I have only made XXXX payments so far and have XXXX payments left. 
Astonished, I also reviewed the income reported and it showed that I have not reported any income for any previous months. This is not possible because : XXXX. The website does not allow me to make payments if the income is below {$3300.00} amount. However, I have made payments and the account showed that I had XXXX payments left. Thus, if I did, indeed report {$0.00} income, then I would NOT be able to make these payments. 
XXXX. I called " customer service '' and it went to voicemail, which never got a reply. All my emails went to scripted responses apologizing for the " inconvenience '' and telling me I have to keep paying or that I have to fix my mistake for having underreported income, which : a. I do not know what to fix because the amount they claim I under reported is greater than the amount I made that year. For example, they claim I under reported $ XXXX in XXXX. However, as you see from paystubs, I only made -- to the best of my knowledge, less than $ XXXX that year! The only other job I had that year was a job held prior to the begning of the contract, but EVEN if they wrongfully count the income from that job, I only worked part time at $ XXXX so that income would fall UNDER the minimum {$3300.00} at which I have to start making payments per contract ( see attached pay stubs and contract ). 
b. The place they referred me to " fix '' is not working. There is no link. There is just a greyed out page saying that I under reported the income. 
XXXX. Per the terms of the contract, if I did under report my income, then they need to spread out the under reported amount over the course of the remaining payments left. In this case, I only have XXXX payments to make. I do not understand why they take liberty to just reset my XXXX and make it start from the beginning simply because they allege I under reported my income by an amount larger than total income that year! These allegations from them I have in writing.
Product: Debt collection

ON XX/XX/2019 I went into the XXXX  XXXX  located at XXXX  XXXX  XXXX   XXXX WA XXXX  and purchased a chair with credit through American First.  The agreement was made only on the condition that they would not take out auto payments.  This was clear and written into the contract.  American First set up auto pay anyway.  They broke this contract.  I am very fearful that this company will do this again, because they already have broke this contract, and therefore I do not want their product at all, they have said too bad they will not take the product back.  I do not want to work with a company who has already broke a legal contract.
Product: Checking or savings account

On XX/XX/XXXX, SoFi Bank notified me that, " For your protection, your account has been temporarily restricted while our team investigates the nature of the activity, '' and instructed me to call them at XXXX. After calling, they informed me that the source of funds was from an account with a name different from my SoFi account. I explained that the funds were transferred from my companys account, which I own. They did not ask me to provide any documents to prove my ownership of the company at that time. 

On XX/XX/XXXX, they informed me that my account would be closed, stating, " The remaining funds in your account will be returned to the originator, as we have determined that you are not the rightful owner. '' They also stated that if their decision to close the account was based on information from a consumer report, I would receive a notice of Adverse Action within 30 days, detailing the decision. They assured me that the {$5000.00} remaining in the account would be returned to the originating account within a month. However, they have not returned the funds to my company 's checking account ( the originating account ), and they have not requested any further documentation from me. 

I have called several times since then, but each customer service representative has responded that they can not provide any information or give a timeline for when the funds from my closed account will be returned.
Product: Credit card

Charge for {$160.00} was discovered on my Comenity account. The account has not been used for over 1 year and no charges were authorized. The accounts have been closed and I have received the XXXX balance letters form the bank. However, it is still showing on my credit report. 

I contacted the company to let them know there was an issue. They informed me it was noted as fraud. Two weeks later, their billing department called to tell me I was late making a payment. I informed them, again, that it was fraud and the accounts had been closed, with a XXXX balance.
Product: Credit reporting or other personal consumer reports

I went to freeze credit on Trans Union. They added a spurious middle initial to my name. The did not include my major employment ( XXXX XXXX  ) They did not allow me to add this to a statement on my account. 
I will be sending them a letter. In order to change a name, I would have to include a copy of my driver 's license, social security card, or some other proof of identity. I prefer not to send them anything since I do not trust their ability to correctly use my information.
Product: Debt collection

A company going by the name of XXXX XXXX  contacted me sometime in the fall last year about a loan balance that they would be handling, I have been paying them but something seemed strange about their way of contact, I never received any mail notification, only phone calls and texts from the man listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Office : XXXX Direct : XXXX XXXX I do not see that the payments have showed up on my credit report, nor this collection agency name. So I decided to reach out to the original creditor, who provided me the information for the collection agency where the account was placed. It was a totally different agency, and I contacted them, they said they have never heard of XXXX and that the account was never sold to anyone else its been with the same agency since 2017. Now I feel that this XXXX  XXXX has been taking my money each month and it is not legitimate. I feel I have been scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting act XXXX account # XXXX, Has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Bank account or service

I 've submitted a complaint before concerning Bank of America 's " Extended Overdraft '' fee. I was wondering if any regulations are in the works and exist to eliminate this outrageous fee. Bank of America has decreased the time for having an " Extended Overdraft '' from 2 weeks to 5 days. Bank of America had a XXXX profit last year, plus having been bailed out by taxpayers, when will the government crack down on this bank? I 'm currently overdrawn by {$9.00}, which is my mistake and I 'm not arguing about the {$35.00} overdraft fee. However, for Bank of America to charge a total of {$70.00} for a {$9.00} overdraft. When is the government going to crack down on this greedy bank? Thank you for taking the time to read my complaint.
Product: Debt collection

In XX/XX/XXXX, I was wrongfully served charged for an account I never had. The company XXXX XXXX was opened in New Jersey. At this time I was living in California. I have attempted many times to speak to someone from the court where the judgement charged me XXXX in XX/XX/XXXX. This account has been affecting my life since XX/XX/XXXX. 

I would like to place a complaint against XXXX XXXX and XXXX XXXX XXXX. 

I would like my XXXX $ back. I would like all this information removed from the account.
Product: Credit card or prepaid card

I received an email on XXXX from XXXX XXXX asking if a new account was mine. Upon looking into it I found out someone opened a Home Depot card on XXXX. Maxing the card out for XXXX. I also found someone attempted to open an additional XXXX card afterwards. I filed a theft report with the FTC and followed the steps provided. Discussing it with Home Depot they have stated since personal information was provided in fully responsible for the account. I talked with them twice and on the second discussion they claimed I received benefits but refuse to tell me what I received or how.
Product: Credit card or prepaid card

I paid the balance $ XXXX.then I received a statement with late charge and other fees. ( money was withdrawn on XX/XX/18. I was told if I pay one time late fee they waive other charges which I did. Now they want to pay another late fee to waive other charges. I don't trust them anymore.
Product: Checking or savings account

Bank of America pick and chooses which check to hold. I have been banking with BOA and their policy has changed drastically. The check they hold do not apply to any of their hold policies. 

On XX/XX/2018 - 2 check out of 10 were held with no apparent reason. I have a history of depositing check from these same venders with no issues. I have a 20 year history of banking with BOA and now I'm unsure of which check they will hold. 
I called and spoke with a BOA Representative and I was told " they could not get verification from the bank '' Is that just a way from BOA to hold my money and make interest on it. 

As Per BOA Web site : Situations that typically cause a check to be held include : There is reason to believe the funds may be uncollectable The source of the check The account has been open for 30 days or less The account has repeated overdrafts in the last 6 months The check is in an amount greater than {$5000.00} or larger than you normally deposit Fraud is suspected The check was previously deposited, then returned unpaid The check was not properly endorsed Emergency situations, including computer or communication failure Incorrect routing or account number information on a deposit slip
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows inaccurate information. An account on my credit report has been re-aged ( XXXX XXXX XXXX ) which is a very serious violation. I have a proof showing that. I have sent a letter to the credit bureaus to notify them but they did not reply to me, it has now been more than thirty ( 30 ) days and the inaccurate information is still on my report. I have the USPS return receipt showing that credit bureaus received my letter almost 2 months ago and they have still not replied to  me. In addition of being re-aged the XXXX  XXXX XXXX account shows a lot of inaccuracies such as incorrect payment history, incorrect high balance, incorrect credit limit
Product: Credit card or prepaid card

I have been sued by Synchrony Bank for {$8000.00} dollars XXXXt County Magistrate Court Case Number XXXX for credit card debt. I dont dispute that I owned this credit card, but I dispute the amount claimed by them. I did not have a chance to verify this debt as per FDCPA. I did not get a demand letter, no help Pandemic when my husband lost job and went through the toughest economic crisis of our life. 
I filed a complaint against XXXX XXXX XXXX because at some point on of the attorney indicted, they represent XXXX XXXX, I am very confused I dont know what do please help.
Product: Checking or savings account

at XX/XX/2021 XXXX XXXX used my card without my authorization and charge me {$1000.00} for product it did not purchased and did not receive I brought this to the attention of bank of America, 26 days later I received Resolved - claim not paid, they did not even talk to XXXX XXXX XXXX. i did not purchased anything from them that day
Product: Credit reporting or other personal consumer reports

My XXXX, experian, XXXX and XXXX has failed to remove inaccurate information from my credit report
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report, which I believe to be unauthorized. I have not applied for any credit or services from the creditor listed above and did not authorize any hard inquiries on my credit report. This inquiry is inaccurate and has a negative impact on my credit score.