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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX From XXXXXXXX XXXX XXXX  and the Account # XXXX From XXXXXXXX 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 a account without my written instructions
Product: Consumer Loan

I AGREED TO MAKE PAYMENTS ON AN INSTALLMENT LOAN ON THE XXXX OF EACH MONTH THRU AUTOMATIC BANK DRAFT. THE COMPANY HAS BEEN SENDING THE DRAFT THRU ON VARIOUS UNAPPROVED DATES THROUGH OUT THE MONTH. IT WAS SENT THROUGH ON MY HUSBAND PAY DAY WHICH HAS NOTHING TO DO WITH ME AND ALSO IT HAS BEEN SENT THRU ON OTHER RANDOM DAYS OF THE MONTH. THESE UNAPPROVED TRANSACTIONS HAS COST ME SEVERAL NSF FEES AND INTERFERENCE WITH OTHER BILLS. I HAVE EVERY INTENTION ON PAYING THIS BILL BUT WE NEED TO STICK TO CONTRACT OF ONLY BANK DRAFTING ON THE XXXX OF THE MONTH. I SPOKE WITH MY BANK ACCOUNTANT AND WAS INFORMED OF SEVERAL THINGS I COULD DO TO STOP AND REPORT THIS MATTER. IT IS NOT FAIR TO ME TO HAVE TO ACCUMULATE ALL THESE OTHER DEBTS BECAUSE THIS COMPANY IS CONTINUOUSLY SENDING MY DRAFT THRU AT THEIR DISCRETION. THAT IS SO UNFAIR AND ILLEGAL. PLEASE HELP ME WITH THIS MATTER. I HAVE RIGHTS TO.
Product: Vehicle loan or lease

I have received vehicle financing for a XXXX XXXX XXXX back in XX/XX/XXXX, within a few weeks of driving home with the vehicle, the car has a mechanical breakdown, after about a month of checking in with the repair shop and XXXX XXXX, the repair shop stated it would be about {$800.00} to take the car home but severe engine issues needed to be repaired asap, I was given an estimate close to {$6000.00}. Due to not having enough to repair the vehicle, I told the vehicle financer that I wanted to do a self surrender, they agreed to but because I lived in WI, they have to send a notice for me to sign Andi have to mail it back to them. I was not given the notice and the financer arranged to have the car picked up, after months of trying to negotiate with the lender about the car was not legally self surrendered because of the signed notice requirement. They told me that I can have the car back just pay the back months and repossession charge it which I couldnt afford at the time, they do charged me for an additional month when the car was in their possession, not to mention by law what they did was illegal in state of Wisconsin, stated by the DMV requires the notice and anyone who is facing a repossession has to have a chance to avoid it and come up to terms. 

In addition to this I constantly told this company to update the SSN on the account because it was inaccurate, they have not updated the number even when I sent documents. 

I complained over and over about the service, I have been treated unfair by this company and it's representatives, they are rude and disorganized that no one is on the same page, the executive office says one thing but the repossession team does not take orders from them
Product: Mortgage

As a consequence of the pandemic, I lost my job so I could only keep up with the mortgage payments until XX/XX/XXXX ( 5 months into the pandemic ). I found myself in default for the whole year of XXXX and part of XXXX. However, for most of XXXX, the state of Maryland XXXXXXXX XXXX XXXX had been in close contact with Fay Servicing , LLC as I was in the process of being approved for homeowners assistance to bring my mortgage up-to-date. According to a Fay Servicing representative, with whom I spoke, they informed the state of MD that Fay Servicing was placing a hold on my loan-account until XX/XX/XXXX, before they would take any further action. However, on XX/XX/XXXX, Fay Servicing reported to the credit bureau that I was in default which caused a XXXX drop to my credit. 

They did not keep their promise to wait until XX/XX/XXXX. I immediately called XXXX XXXX to report this and told their representative that their company had clearly acted in absolute bad faith because the entire time that I had been in default ( for 20 months straight ) they had never reported anything to the credit bureau. They knew the state of MD was helping me out, and they reported me - before the date they had set up themselves. Their representative had the audacity to tell me that I was not the only one that was affected by the pandemic ; that millions were keeping up with their mortgage payments. I told him that it was not his place to be making diminishing judgments of any of their customers. My mortgage is now up-to-date thanks to my state assistance. Over the years, I have come to dislike the way Fay Servicing representatives talk to me. They are extremely disrespectful and rude. I always feel intimidated by their phone calls especially during this pandemic that turned my life upside down.
Product: Debt collection

On XX/XX/XXXX, I informed XXXX XXXX of my decision to switch insurance providers and indicated that I would not be renewing my policy, effective immediately. My final payment was made in XXXX, which covered my insurance through XX/XX/XXXX. 

However, on XX/XX/XXXX, I received a bill from XXXX XXXX requesting payment of {$100.00}. It is important to note that auto insurance companies typically operate on a billing system that requires payment in advance, meaning that customers pay for coverage prior to the commencement of the insured period. Consequently, my account was settled at the time of cancellation. 

I requested a thorough investigation, including a review of my payment history. On XX/XX/XXXX, I received a statement from XXXX XXXX indicating a XXXX balance. However, in the following month, I began to receive communications from Credit Collection Services demanding the payment of {$100.00}. Furthermore, they reported this alleged debt to all three major credit bureaus, adversely affecting my credit rating, even after I notified them of their error. 

CCS is knowingly reporting false information regarding this account which is a violation for the Fair Reporting Credit Act and is in violation of USC ( 1681s-2 ( a ) ( 1 ) ), a Duty to Report Accurate Information.
Product: Bank account or service

My grandfather XXXX XXXX opened a Certificate of Deposit at XXXX in my name XXXX XXXX on XXXX XXXX, XXXX. XXXX XXXX merged with Capitol One Bank on XXXX XXXX, XXXX. My grandfather recently passed on XXXX XXXX, XXXX and I found the certificate. On XXXX XXXX, XXXX I went into a branch in XXXX, MD to inquire about the status of the accoount. The agent advised the account had been purged due to inactivity. He was unable to locate any documents to determine if the funds were withdrawn, transferred or sitting, but stated the account was being researched. On XXXX XXXX, XXXX, I contacted the branch to obtain any updates. Again, I was informed no further information had been located. I am writing to submit a complaint due to the time frame that has passed and no answers have been provided as to where the funds are located. I have contacted the FDIC, MD Unclaimed Property and have had no success in locating he funds.
Product: Debt collection

In XXXX, after becoming XXXX I could n't keep up with my credit card account and it went into collections and the account was sold a few times. In XXXX a collection agency by the name of Fredrick J Hanna & Associates, XXXX. XXXX XXXX XXXX. XXXX Georgia XXXX tried to sue me for the money. We then when to mediation made a settlement agreement on the account, I paid the settlement making my last payment XXXX XXXX, XXXX I then requested the pay off letter, which I never received even after contacting the XXXX County Court in XXXX & XXXX. The only statement I got from the court was to keep contacting Fredrick J Hanna '' s office because as an officer of the court they could n't advise me on this case. I have contacted my financial institution regarding all payment records regarding this matter and I will be able to get them and forward them when it is necessary. On XXXX XXXX, XXXX I received a notice from my credit monitoring service that Frederick J Hanna has filed a civil case against me for the remaining balance on this old account after I paid the settlement in XXXX. Today is the first time I became aware of the shady practices of this company and the Lawsuit won against them for doing this to several consumers.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block, Kc. ) <1 to equaTo 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 their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXX untair an deceptive, as they liahot '' 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: Credit reporting

I recently had a few ( three to be exact ) medical collection accounts across all XXXX credit bureaus. After contacting the medical services and they adjusted the bills and showed me what I owed the information was already with the collection agencies, I proceeded to pay them off one at a time in full and according to the medical debt relief act and changes with Equifax, XXXX and XXXX any MEDICAL debt that gets paid by the consumer or by the insurance company gets removed immediately after the item is paid. Well only one Bureau was aware of this rule change and took off all of the collection items that were paid. Equifax has flat out refused to budge on this and stated that it would stay on my account for seven years! I tried to explain to the representative of the law changes and that Equifax was one of the companies that agreed to take off paid medical debt but they still would not budge. If removing paid medical bills from a consumers credit report is something that this company agreed to do going forward NATIONWIDE why am I having to fight to get this done. I 've attached a copy of the dispute results for XXXX and XXXX, XXXX shows unpaid but its now paid and I contacted them as well and they stated " No they would not send something to Equifax for the removal of this item ''
Product: Credit card

Sears Mastercard by Citibank. 

XX/XX/year> : {$79.00} charge from XXXX annual account. I disputed the transaction for the second year in a row and the credit card company requested backup. As I do not have an account with XXXX I could provide no backup. As a result, the credit card company charged me for the transaction even though I told them via phone and on the computer that I don't even have an account with XXXX nor their parent company, XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. According to the Fair Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relates. These accounts : XXXX  - # XXXX, XXXX XXXX - XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX, are not accurate or complete. 

Also, according to 15 USC 1681s-2, a persona hall 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. 

Check attachments below.
Product: Checking or savings account

I opened up a Representative Payee account at US Bank on XX/XX/2021. I have been selected to be the Rep. Payee by the Social Security Administration to manage my moms Social Security. My mom is the beneficiary on the account ( but does not have access ) and is considered a senior ( XXXX  years-old ). My job is to pay her bills and provide her the difference for living. My mother only receives {$770.00} a month in Social Security. After I pay her rent she is left with only {$130.00} for the remaining month to live off. US Bank charges {$6.00} a month for this account unless certain requirements can be maintained. US Bank requires a minimum of {$1000.00} to be direct deposited into the account ( for the fee to be waived ) and I can not meet this requirement. Over a total year, the fees can add up to almost {$84.00} which is XXXX  percent of my mothers income. I have spoke to the Contact Center and they stated I should be able to get a, Senior indicator on the account so that this fee is permanently waived. She stated she could not help me with a fiduciary account as she doesnt open them, but I could go to a branch to have a manger help me. Today I went to the branch to explain the situation and the employee stated that because my mom is not a joint owner on the account, they can not add that indicator on there for me. My mom can not be joint on the account because its a Rep. Payee account. The employee stated they can waive it for the remaining year, but I should look into other options. This is ridiculous. This is a fiduciary account meant to protect my mothers Social Security funds. She is XXXX, elderly, and we can not open up other accounts with another bank given her situation. I want this fee removed off of this account. Does US Bank do this to all fiduciary accounts? Do they take XXXX individuals means of living who are on strict incomes? This is discriminatory to XXXX individuals, please help.
Product: Debt collection

This was a XXXX  medical service for my deceased wife. She was billed in XXXX  and after the payment was made in full the provider sent an additional request for payment. When the collection appeared on my credit report in XXXX, I immediately disputed the account informing all three that the medical service wasn't mine. Of the three reporting agencies XXXX immediately removed the collection, XXXX and XXXX refuse to remove the account from my credit report. Recently I contacted XXXX and informed them that my wife had passed in XXXX of this year and the collection, which wasn't mine anyway, should be removed. They declined and it remains on my credit report. I haven't contacted XXXX over this issue but would expect the same result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the rest of the fraudulent inquiry 's on my XXXX Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here are the rest of the fraudulent inquiry 's on my Equifax Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I worked up a payment plan with a local photographer. For {$2500.00}, she was supposed to shoot my wedding in XXXX. She promised to accept minimal payments from me until she was paid off. I started making payments via the XXXXXXXX XXXX  right away since that's all she accepted. I paid her more than {$800.00}. I saw her on our local news as a fraudster after making these payments. According to the reports, she had defrauded a large number of individuals. I immediately attempted to call her, but received no response. I've contacted her practically daily since then and have yet to hear back. I'm aware that Chime provides Buyer Protection in situations like this, but I have yet to hear from them, and it's been a while since I submitted a dispute, and I desperately need my money returned.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, Transunion began in incorrectly report my prior federal student loans as delinquent. The issue began XXXX consolidated 5 of my student loans into one, during the On-Ramp period established through the US Department of Education under the XXXX XXXX XXXX XXXX I filed a complaint with XXXXUS Department of Education XXXX XX/XX/year>, and it was found my complaint was warranted as they made an error on my account, and issued notifications of correction needed to the XXXX credit buearus. XXXX and XXXX made the necessary corrections, but TransUnion refuses to make the correct, even after I provided documentation to them from XXXXUS Dept of Ed reflecting the report of delinquent accounts was incorrect and needed to be updated. I am requesting that the CFPB require Transunion to remove all notation Late Payments, 90 days past due date and Maximum Delinquency of 90 days in XX/XX/year> reports/notations are completely corrected and removed for all student loans for all months- and to ensure that my credit report reflects all current and prior student loans as in good standing. This is in violation of the On-Ramp period that was in place at the time of my student loan considation through XXXXUS Department of Education under the XXXX XXXX administration.
Product: Student loan

I have a private student loan with Sallie Mae and they denied me lower repayment plan so that my loans go further into default. I have been calling them for 2 years now pleading with them to please get me into a program to lower my payments so that I will be able to pay EVERY MONTH. Instead of temporary forbearance, disaster forbearance-these are all temporary and will make my balance increase! I have explained that what they are offering is just a " bandaid '', because when forbearance period is over, I'm back in the same position as before except now I owe more! Every month, I get a new account manager that reads me the same script over and over and they only suggest forbearance, I have chose forbearance previously because agents said that was my only choice- because it would give me extra time to figure out how I can pay $ XXXX $ XXXX monthly! When I initially applied with Sallie Mae, they were offering income driven repayment plans, they stopped offering Income Driven somewhere before I graduated college but I did NOT know this.When I graduated, I was shocked to learn that they no longer offered that so I have been struggling to pay them for 2 years now. I'm now 2 days away from charge off because they're in 4 months default and they STILL will NOT allow me a lower repayment plan! I have been complaining to them for so long now saying that I want to pay my loans, I just need lower payments to ensure that I'm able to pay every month with no issues. I expressed to them that this would be the best option because at the minimum, I would be making payments to prevent default. They denied me lower payments so that my loans go further into default! Instead of working with me on this issue, they prefer to call my cosigner, his ex wife, and other members of the family who have nothing to do with this nor do they know about any details regarding my loans! I speak to agents at Sallie Mae several times every week and nothing is ever resolved. It makes no sense to me. As if harassing phone calls will make money suddenly appear! Very shady practices is what I'm dealing with here with SALLIE MAE.

I owe {$160000.00} and graduated from college 2 years ago.

Because college is unreasonably costly, and college is encouraged to advance our careers when we graduate-the only financial aid that is offered are these private loans. I have been proactive since day one and here I am 2 years later WITH NO RESOLUTION EXCEPT DEFAULT. Because this is how Sallie Mae profits, very sad and disheartening for someone who wants to pay off my student loans..
Product: Vehicle loan or lease

XX/XX/2020 : I called the company Westlake Financial to ask for a reduction in the interest to allow for lower payments but they refused. 

XX/XX/XXXX : Called again stating that I could not pay the amount but they denied again and only offered to defer the XXXX payment. 

XX/XX/2020 : I could not make the payment so they reported me to the credit Beaureu which really messed up my credit which I am trying to protect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/DOE XXXX {$2000.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX {$200.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Debt collection

We opened a joint Chase card about a year ago. Immediately upon receiving the card we attempted to register for online access. On day one the mobile phone number ( verification required for access ) was wrong. We called they assured us this was corrected. After numerous calls this never was resolved. As a result I made pay by phone payments which worked. We received the bills, I could call and make payments we never missed a payment and payed more than the amount due. In late XXXX, we moved to XXXX. During this time our regular mail was returned to sender. So when I called Chase to make my payment that month, I was unable to do so until the address was updated. I spoke to a representative who said the address was updated. No bill came. Called the next month and the address was not updated because both XXXX and XXXX were not on the phone to update the address. At the time we were in flux moving from XXXX  to XXXX  so XXXX was living and working in XXXX, XXXX in XXXX. This continued until XX/XX/XXXX. Each month, the same thing XXXX would call to make a payment, they refused to update the address, so payment could not be made. 

We took to sending in written requests, thinking that would help. NOPE! 

In fact they have been sent 3 different DO NOT CALL ONLY MAIL demands. NONE of these demands have been met. They call after XXXX almost daily. They have even taken to calling our adult daughter the XXXX number. Again, they have been asked by her and her husband to stop calling and to stop calling after XXXX waiting their infant up. 

This madness has got to stop! We are more than happy to make the monthly payments, we are just tired to begging monthly for a statement.
Product: Credit card or prepaid card

See the attached documents. I implore the bureau to commence an investigation regarding these accounts, as they inaccurately reflect late payments, despite the fact that I have never been late in making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Inquiries not authorized from these listed companies on my Experian Report are XXXX   XXXX XXXX and XXXX XXXX  XXXX  XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX  XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX   XXXX  XXXX and XXXX XXXX XXXX XXXX all these need to removed from credit file
Product: Checking or savings account

On XXXX XXXX at XXXX I received a email about suspicious activity and how my account is gon na to be limited. Then at XXXX XXXX  when I logged into my account at Dave bank they then told me my account has been closed. On the same day I emailed the service email asking why my account was closed and when I'll be receiving my money. On the XXXX of XXXX I got a reply stating the policy on how no notice/reason needs to be given on why the account closed.
Product: Mortgage

Since the XXXXXXXX XXXX XXXXXXXX I have attempted to make my monthly payment online. Website was down and couldnt get anyone on phone. On the XXXX a website was restored ( a different format ) and it would not allow me to pay. Phones are still down. I am now past my 30 days and beyond panicked. They have made it impossible for me to pay my XXXX mortgage. Now I read they were cyber hacked in XXXX & never communicated this to any of their clients!