23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

According to my credit report a loan under XXXX XXXX was originated on XX/XX/2020. The amount owed per Resurgent is XXXX, and per XXXX XXXX  I supposedly owe only {$16000.00}. Due to non payment the loan was sold several times, and currently under debt collection agency named Resurgent phone number XXXX XXXX. I contacted both agencies who both agencies who were unable to provide me with proof of ownership for the loan. I specifically asked Resurgent on XXXX if they can provide proof/paper with my signature on it and I was told by them that they DO NOT have that information. I was instructed to reach out the the original lender XXXX XXXX XXXX ) which I did on XXXX. XXXX XXXX informed me they could not supply me with any documentation of ownership and only provided me with account # XXXX. Both my email and social security number were compromised and feel that both parties ( Resurgent and XXXX XXXX ) violated my rights. They couldn't provide me with proof of contract or that they have a right to collect on the debt. I was denied a breakdown of the billing, original ownership of the contract, a signature signed on the contract, and payment history. Neither company could or would provide me with this information. Therefore, I would like to dispute this matter and would like this item removed from my credit due to these laws being broken. 


15 u.s.c 1681 ( 602A ) 15 u.s.c 1681 ( 604 ) 15 u.s.c 1681c ( a ) ( 5 ) 15 u.s C 1681 S2 ( A ) ( 1 )
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment to my XXXX capital one credit card. Several days later I get a returned payment with capital one saying that the funds were rejected. I called my bank and they said there should have been no reason for this to happen as I had more than enough know to cover the payment. So I ended up making an additional payment and now the money has been taken out of my bank account and capital one says they have received the payment without issue but because of the returned payment on the XXXX of XXXX they have to hold my money for 8 days. This was not my fault, this was an issue with capital one making a mistake and they refuse to make the balance available because of their mistake earlier in the month. This is not ok.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit reports and have found duplicate accounts that are affecting my credit rating showing on my credit file. I have disputed directly with Experian, and XXXX over 30 days ago and they have failed to remove thesein accuracies. 

XXXX XXXX XXXX XXXX Acct # XXXX Showing duplicated XXXX times XXXXXXXX XXXX XXXX XXXX Acct # XXXX Showing duplicated XXXX times
Product: Debt collection

I have health insurance and my insurance paid for the service and now the hospital is trying to charge me. They keep calling and I ca n't pay them because they charged my insurance already and I have a copy of the statement that they sent where it says " this is not a BILL '' and it explains all the covered things that the insurance already paid. I only paid {$1.00} to see the doctor since that 's the copayment of my health insurance which is XXXX The insurance policy number is XXXX and my member ID is XXXX.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$6000.00}
Product: Credit reporting or other personal consumer reports

There are numerous fraudulent inquiries in my report that are really hurting my score. i wanted them to be removed as soon as possible. I have been trying to remove them since last year but i really don't know why it's so complicated to exercise my right to have an accurate reporting. Remove the following as soon as possible. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I talked to a Mortgage Specialist from TD BANK on XX/XX/2020 and filled my application the following day. 
During the 1st call with the Mortgage Specialist, I decided to keep the rate floating as I decided to wait for few days to think about it. 
The reference rate was 2.75 % with a {$1200.00} points credit. 

I finalized the application very quickly and uploaded all the required documents to not lose any time during the process. 

On XX/XX/2020, I decided to lock-in the rate, but I was not able to reach the Mortgage Specialist. 
As stated above, between the dates XX/XX/2020 to circa XX/XX/2020, I made several calls ( left voicemails as the Mortgage Specialist was never answering the phone ) and sent emails to lock the rate.

When I finally got an answer from the Mortgage Specialist, I was told that the rate went up from 2.75 % to 2.875 % with points costs. 
I explained that I sent many emails to get a callback and left many voicemails but I was told that he never received my emails. 
I decided to escalate my complaint to the supervisor, it took few days to finally get a negative answer to have the rate locked to the initial rate of 2.75 %. 

During these 2-3 weeks or so, I was very stressed as every time I was begging to have the rate locked, the lender was telling me that the cost ( of pints ) was increasing. All this stress in addition to the difficulties brought by the pandemic had a very bad on my mental health.

I was very disappointed that TD Bank 's only excuses explaining the lack of responsiveness to my several attempts to lock the rate was " technical issues and emails not received ''.

I am filing this complaint now, several months after the closing, as I needed to have a smooth closing.

I have copies of all the emails exchanged between the Mortgage specialist, the different supervisors, and myself.
Product: Checking or savings account

After contacting US Direct Express over 500 times ( I can prove this fact via call logs ) my Fraud issue has not been rectified. The customer service at US Direct Express is toxic. I am unsure why the treasury department allows Comerica to manage Social Security benefits. I have been actively pursuing a fraud issue on the Direct Express card for 1 year. I have been contacting Direct Express since last year to resolve this and they have n't lifted a finger. I have proof of contact from US Direct Express, that forms were sent to me last year regarding my fraud complaint, yet the Comerica/US Direct Express did nothing to solve the problem. Halfway into XX/XX/XXXX I began contacting US Direct Express regarding unauthorized use of the debit card. The " tier 2 '' department stated that they would close the card and send me a new card. It was n't until late XXXX of XX/XX/XXXXthat I received a replacement card, approximately TEN MONTHS OF ACTIVELY TRYING TO GET POSSESSION OF A NEW CARD. It took US DIRECT EXPRESS OVER TEN MONTHS TO SEND ME A NEW CARD. ON TOP OF THIS, US Direct Express charged me NUMEROUS TIMES FOR replacement cards and EXPEDITED SHIPPING REGARDLESS OF NOT RECEIVING THE CARD. If I approached XXXX XXXX XXXX or XXXX about issuing a new card, it would take, at MOST, 2 days to receive a new Card and at times SAME DAY. IT TOOK US DIRECT EXPRESS TEN MONTHS TO ISSUE A NEW CARD. Please keep in mind that during these TEN MONTHS, US DIRECT EXPRESS FAILED TO SEND ME A NEW CARD. US direct Express stated that they sent out replacements but had no idea where they actually sent my replacement card to ). Meaning, even after US DIRECT EXPRESS FINALLY SHUT THE CARD DOWN AFTER HUNDREDS OF PLEAS TO DO SO, the account and the funds issued by Social Security could not be accessed because no REPLACEMENT CARD WAS EVER RECEIVED. How is it possible that Comerica/US Direct Express creates BARRIERS for the XXXX to ACCESS THEIR FUNDS ISSUED BY THE GOVERNMENT! To add to the issues, in XXXX of XXXX I received a fraud affidavit and sent US Direct Express the information as instructed by Tier 2 customer service, as well as the first level of customer service. It was filled out and sent to US Direct Express within the 10 days they state that the form needed to be sent in. Within those 10 days, when US Direct Express receives the form, in their own WORDS, US Direct express will credit the account if the affidavit is received within 10 days from when the customer receives the affidavit. Numerous affidavits were sent to me and sent back to US Direct Express, as they requested and nothing has been done to get my money back. After reviewing some of the thousands of other complaints, lodged with the CFPB against US DIRECT EXPRESS, I am one of many customers that have the same issue. I urge the CFPB to review the thousands of complaints against US Direct Express, in order to file a class action law suit, which was recently implemented policy as of early XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written a couple of letters to all 3 credit bureaus requesting proof of verification of 2 bankruptcies on my report and also a collection from XXXX XXXX. All they write back is the item is accurate and has been verified but does not provide by who. The information is inaccurate and is damaging my credit. It takes them 30 days to send the results but do not supply the information I am requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint on Equifax ; due their failure to conduct a proper investigation and re-investigation for a medical collection ( XXXX XXXX XXXX ) thats negatively impacting my consumer report. I previously disputed this item with Equifax ; the item came back verified. I then contacted XXXX XXXX via XXXX, requesting validation. XXXX XXXX fell to provide that information in accordance with FDCPA. Therefore, XXXX XXXX stated in the letter attached here ; they have sent a request for the item to be deleted. Equifax fell to adopt reasonable procedures for meeting the needs of commerce for consumer credit. Equifax aloud the reporting of this negative information to be furnished without an investigation for their ill-gotten gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 collections accounts on my XXXX  credit report from a debt collector AMERICAN ACCOUNTS AND ADVISORS that were closed by the debt collector because the " alleged debts '' could not be verified. I have contacted the debt collector by mail and asked them to remove the 2 bogus debt collection accounts from my credit report, they have not responded to me for over 30 days.
Product: Credit card or prepaid card

I applied online for a credit card with Capital One last XX/XX/XXXX and they denied the application but said they would send me a letter detailing the reasons why in a letter that I would receive within 7 to 10 days. I got the letter dated XX/XX/2019 and it said that there was incomplete information in the XXXX credit report. I looked up the XXXX   credit report online and noticed it has some erroneous information about some old accounts. I contacted XXXX and they corrected that information in less than a week. I then wrote back to Capital One to address on the denial letter dated XX/XX/2019 but I never heard anything further from them. I will attach the denial letter to this complaint. 

I had thought nothing more of this until today. Today I applied again for a Capital One credit card and was refused online and they told me that I would be getting a letter in 7 to 10 days telling me why my application was refused. I said to myself " I have been down this road before '' so I called Capital One directly. The person I got on the phone said that the application department at Capital One was closed now. I told her that I would be agreeable to calling back later but then she added that the application department was closed until further notice. I asked her how it was I was going to know when I should call back and she said that I should just try calling in every so many days to see if they are open yet. I hold her blameless. Nothing on the Capital One web site would give you any idea that the Capital One credit card application department is closed until further notice. So I have no reason to believe the resolution to this denial of the credit card application will be any different than the one I made in XX/XX/2019. 

It seems to me that Capital One is denying credit card applications for reasons that they are not willing disclose to the person being denied. I just want a straight answer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

My Mortgage company promised me XXXX dollars to sell my house as a short sale loan but did not receive the money. Also, all of the paperwork was not signed and completed for the sale of the house.
Product: Mortgage

On XX/XX/2022, I closed on a home equity loan with PNC Bank. After my 3 day recision period, my loan product was not available to me and was not yet funded by the bank. I was advised by my loan processor that after the mandatory recision period, I could request a convenience check from a local branch that would give me immediate access to my funds until my checks and access card came in the mail within 7-10 business days. PNC has placed a lien on my property and I do not have the loan proceeds in return or a copy of my closing documents. I have been given all sorts of internal administrative excuses that were not disclosed to me during the loan process or recision period. During this entire process their was a complete lack of transparency and communication from PNC. I did not sign any agreement giving PNC an indeterminate amount of time to process or hold the loan beyond our closing agreement recision period. This is a deceptive practice by PNC. Whereas they have a right to my home, but I have dont have immediate access to the funds. Additionally, if I wanted to cancel and move forward with another lender, I cant proceed because my recision period has expired and this would be an administrative burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a camper and XXXXXXXX XXXX assumed the loan. I set up auto draft so I wouldnt have to worry about the payment. The address I used when I purchased the camper is not the same address where I am currently living. The problem is, funds didnt transfer in time and the auto payment didnt go through. At no time was I called to fix the issue. What they were doing was sending mail and notices to the wrong address. After I discovered my payment was late I IMMEDIATELY caught the late payment up As well as pay it current and correct the issue for the current address. They have XXXX modes to contact someone and if they are going to ruin someones credit they should at least try a phone number. Furthermore my credit dropped XXXX points and Ruined my name. They used improper information and the years of being responsible to maintain top tier credit shouldnt be ruined by their mistake or XXXX late payment.
Product: Credit card or prepaid card

Todays date:XX/XX/XXXX XXXX XXXX XXXX XXXX. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX WELLS FARGO CARD SERVICE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious WELLS FARGO CARD SERVICE I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX , FL XXXX
Product: Credit card or prepaid card

I applied for a BJs Credit Card through Comenity Bank. They approved it for a {$10000.00} limit. In less then a month, they closed it because they said they didnt like some information found on my credit report. Now I have an account that was opened and closed within a month on my credit report. This leaves a negative mark on my credit stating that the creditor closed my account less then a month after opening the account. I requested the bank to reopen the account but they will not. I rank a VERY GOOD credit score. If they dont want to extend the line of credit then so be it. However, I should not be penalized on my credit statement showing an account that was opened and immediately closed. If they they didnt like me credit report then they should not have approved it just 3 weeks prior. I showed no sign of excessively utilizing the given credit line, so there determination should have taken place before opening this account. So I would like to request the removal of this account off my credit report entirely. This is not fair for them to leave their mark on my credit report for 10 years based off something they could have denied from the beginning. Please let me know if you can be an assistance in this matter.
Product: Mortgage

I already filed a case ( XXXX ) with CFPB on AmeriSave challenge with the refinance. The company promised a monetary compensation of {$500.00} as part of the resolution. However, I never received the money. Hence opening a new case to request Amerisave to honor the compensation made to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

never gave written consent to this credit bureau to furnish anything on my behalf. this is fraud. this is causing so much stress.
Product: Checking or savings account

XXXX XXXX  with account # XXXX, and a balance of {$940.00}, I have no knowledge of this account from XXXX I never lived, work, or visit the state of XXXX  XXXX MO, so there in no reason why I should open an account with XXXX. I am asking XXXX XXXX  and XXXX XXXX to uphold their statuary obligation according to the FCRA and remove the account immediately. Failure to remove the account I will file a lawsuit with my FCRA attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Bank reported my credit information to the credit bureau 's and had an incorrect name. My personal credit information appeared on a report of someone that I do not know or have any relation to. I have contacted Citi Bank who responded in writing requesting that I supply them with the name, address and social security number with a credit report for them to correct the problem. When I informed them I don't have that information they said that there is nothing they can do and will continue reporting my personal financial information to that individuals account. They DO NOT protect your personal information which is a serious violation of ethics.
Product: Student loan

In short, FedLoan Servicing can not be trusted to correctly count the number of qualifying payments made for PSLF. They have repeatedly given me incorrect and misleading information about the number qualifying payments I have on my loans before I am eligible for forgiveness. As I have certified my employment properly, these numbers should be continuing to increase by one qualifying payment per month. Instead, here are the dates of letters I received from FedLoan Servicing and the number of qualifying payments they told me I had made in that letter : XX/XX/XXXX 52 Qualifying Payments XX/XX/XXXX 52 Qualifying Payments XX/XX/XXXX 52 Qualifying Payments XX/XX/XXXX 63 Qualifying Payments XX/XX/XXXX 74 and 77 Qualifying Payments ( for the two federal loans I have always paid together ) XX/XX/XXXX 67 and 76 Qualifying Payments ( for the two federal loans I have always paid together ) XX/XX/XXXX 44 Qualifying Payments XX/XX/XXXX 84 Qualifying Payments XX/XX/XXXX- Letter from FedLoan- CFPB Response 84 Qualifying Payments XX/XX/XXXX Letter from FedLoan- rejection of PSLF Application 100 Qualifying Payments Most notably, how could the number of qualifying payments between XX/XX/XXXX and XX/XX/XXXX DECREASE by over 20 payments? How could it then increase in 4 months (XX/XX/XXXX ) by 40 payments?? They are just throwing random numbers out there. 

I was rejected for PSLF  on XX/XX/XXXX and in that rejection FedLoan stated I had made 100 qualifying payments. Just two months earlier, on XX/XX/XXXX, they told me I had made only 84 qualifying payments. This is not possible. 

This organization has no idea what is going on. Of course they did not provide an accounting of the payments they counted or didn't count as qualifying with my XX/XX/XXXX rejection, because they are just throwing random numbers out there. I have requested an accounting from them directly anyhow. According to my records, I have made 120 qualifying payments, and it is undisputed I have worked for a qualifying federal government agency continuously since XX/XX/XXXX. I should qualify to have the balance of my federal student loans forgiven under PSLF.