23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I made an overpayment of the amount of {$1200.00} on XX/XX/XXXX of 2020 to accout number XXXX To Ally Financial inc . So I call them and ask them if they could refund the amount and I was told that they could refund the amount and that they would process it for a refund of XXXX, so I waited and didn't hear from them and didn't receive a check in the mail so I called them again and they stated that it was denied because it was processed for process before my car payment was processed so I would have to make the car payment 1st so that it wouldn't be late and then they would put the process of the refund in. So I waited and then I call them back because I did receive anything and they stated to me that it was supposed to be mailed out XX/XX/XXXX so I waited again another 2 weeks and then I call them back to let them know that I did not receive anything. I asked for a manager again and they said it was denied again because the requset for refund of the payment was put in and again my car payment was in process so again it didn't go through. So again they stated that I would have to make a payment for XXXX otherwise my carpet will be considered late and Any request for the refund will not process.So I made the payment for XXXX and it will process on the XXXX and that on the XXXX they would personally process for a refund of the {$1200.00} and that I would not have to call back and everything was taken care of So then I waited and then I called back again on XX/XX/XXXX because I did not receive anything and I told them what was happening and the first thing I was told by customer service was that there was a payment made out in XX/XX/XXXX and I told them no that's not correct that it was denied and was never processed and then I asked for Corporates number and I was told that They did not have corporates number and that they could not give it to customers so I ask for a manager again The manager stated to me that it was denied yet again and so then I asked for a regional manager and for corporates number because this just continues to happen over and over again. So then the manager Said that they will try to get ahold of the payment department but they could not and that she would call me back when with the information and I stated no because that's the problem. You say that you will and you never do. So the manager stated to me that she would put the payment refund process again and I told her no because I can tell you how the process gon na go and they're going to deny it again and ask me to do another pain man and it's gon na keep on happening over and over again.So I said I want to speak to a regional manager So then she stated that she was transfer me to superviser and was put on hold when she came back onto the line I was told that the supervisor will call me within 1 to 2 hours but I have not received a call from them yet.
Product: Credit reporting or other personal consumer reports

I am writing to report an identity theft issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my file. I did also state to the credit bureaus that one of the collections for {$1300.00} original creditor was XXXX and it states that the account was opened XX/XX/XXXX and that XXXX was acquired by XXXX XXXX XXXX and XXXX was discontinued. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My father passed away XX/XX/2016. I am the heir of the property and believed my father paid off his loan with Ocwen Loan Servicing. I was wrong, I am requesting for a loan modification for heirs who have inherited property. I have given my mother Durable Power of Attorney, because at the age of XXXX years old, I am still distress about my father 's death. I want Consumer Financial Protection Bureau to understand that I want my family want to remain on the property. However, I placed a modification and sent my father 's death certificate and my mother 's durable of attorney and the right to speak on my behalf through the Department of Registrar Wills in the State of Delaware. I am very concern with Ocwen Loan Servicing practices of loan modifications, because our family has been ignored about our complaints about the robo-signing documents that were signed by people who had no knowledge about whether the information contained in the documents was correct, charging improper fees, providing false or misleading reasons for denying loan modifications agreed by the prior services. 

The family wants to hold Ocwen accountable for these servicing violations. Also, the family wants Ocwen to help assist the heirs of reestablishing loan modification for struggling heirs, who wants to remain on the property. For example " write-down '' loan modification that reduces the principal balance on the loan. A lower principal balance that results in a lower payment and mortgage loan placed on a forecloses hold until clarity of the next-to-kin has an opportunity for loan options and resolutions. 

The family is asking for the Consumer Protection Unit to help the family understand and determine the status of a pending loss mitigation request within Ocwen Loan Servicing practices, because Ocwen can not refer a loan to foreclosure, initiate a foreclosure, or proceed with foreclosure. In the State of Delaware, Ocwen are bringing all possible foreclosures under " XXXX XXXX XXXX XXXX. '' Secondly, Ocwen must honor loan modification and cease going to court in Delaware. Third, Ocwen must assign a single point of contact to the next to kin regarding the loan modification, as the family wants to request loss mitigation. Finally, the family wants all servicing fees must be legitimate. 

Respectfully,
Product: Checking or savings account

e-mail toXXXX XXXX XXXX Ma'am,

Did I or did I not walk into your branch about two months ago and sign up to have my account statements for XXXX delivered to me via slow mail on paper?  This is the second month I have not gotten my paper statement for last month.  Please fix it. 

I will not ask nicely again.  Nor will I wait for years, as I did with your online mess.  The next time I will take out an ad in the legal section of the XXXX XXXX, the month after that, I will take out a column ad, and the month after that a half-page ad, and the month after that a full page ad.  In each one I will explain to the public that your bank is either incompetent or discriminating against me personally. That your bank has long refused to give me reliable online service, requiring me to repeatedly sign in while going around in circles on the login page - then lied about why, offering up ridiculous IT excuses that don't pass the smell test.  Then when I sign up for paper statements, refuses to send them, making me ask every month. 

Eventually, I'll get inventive and start putting videos about it on XXXX.  I'm going to ask in speculation if this is the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX messing with someone who is not XXXX.  Or entirely XXXX.  Yet. 

I shall also send repeated complaints to the CFPB, citing "your complaint XXXX about Arvest Bank."  Then, when that's all said and done, I'm going to get a lawyer and sue your bank in court, for lawyer's fees and the sheer aggravation of being forced to move my accounts, savings and automatic deposit(s) to another bank.  Because surely I could not trust your bank to facilitate that without causing me significant financial grief.  It would seem to need a court order and sufficient financial penalties for fraud or failure.  After all, you also promised me online service and paper statements. 

If you should think that your bank can mess with me like this and then expect me to be satisfied with "arbitration", please think again. 

Sincerely,
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge of this collection account Transunion is reporting XXXX XXXX XXXX XXXX XX/XX/2021 {$6000.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting or other personal consumer reports

I have noticed that according to the Fair Credit Reporting Act, the list of accounts has violated my federal protected consumer rights to privacy and confidentiality in 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It 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 item 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 a reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted FICO/XXXX/Equifax numerous times without a response. My FICO score dropped 100 points in one month with ZERO changes from prior months. To be clear no new debt no new loans no late payments and no new credit inquiries. 

This is happening across the board with many individuals. This can not continue to happen and will only stop when accountability is put into place. 

BTW ... When did the consumer become so helpless? 

This happened XX/XX/2020.
Product: Debt collection

o Whom it May Concern, I am writing regarding a corporate account with American Express. The original balance on this account was approximately {$82000.00}. In the last couple of years, I managed to pay nearly half of this balance, however, in the last few months, I have had financial hardship. I made American Express aware of the situation and tried to reach a payment arrangement. American Express was reluctant to help, yet attempted in good faith to come to a resolution. 

American Express kept threatening to ruin my credit and immediately transferred the account to a collection agency, which in return threatened to sue me. I had reached an agreement with the collection agency for a $ XXXX monthly payment through their financial hardship program. They promised that would reset the past due amounts on American Express and will not leave adverse information on my credit report. To my surprise, I found out that American Express reported negative information on my credit report despite reaching an agreement with their collection agency a couple of months prior to the reporting. Please see attached documents. 

I immediately contacted the collection agency and American Express. American Express claimed that they had nothing to do with it and the arrangement I made with the collection agency would not reflect positively on this account. I contacted the collection agency just to be told that it is American Expresss fault that negative reporting impacted my credit report. I requested a written document specifying exactly what my payment agreement of $ XXXX would entail. At first, they claimed the $ XXXX monthly payment would keep them from suing me. They refused to send me any letters detailing the arrangement for the {$500.00} payment while continually threatening to sue me. 

I am a victim of some sort of extortion from American Express where they ruined my credit and intimidation techniques by the collection agency to be sued, forcing me to make some sort of a {$500.00} ghost payment that is not being applied anywhere ; hence, the agreement was to make {$500.00} a month to keep my account current with American Express and reset the monthly payment for a period of 12 months. 

I am asking American Express to remove the derogatory information from my credit report since I have reached an agreement with their collection agency to make a $ 500 monthly payment prior to the negative reporting to all three major credit reporting agencies. 

Thank you for your help regarding this matter.
Product: Credit card

My Apple Card charged me a fee - I was on autopay - it didi not autopay. I received a text that my payment was late and I it within 1 minute of receiving this text, the first indication anything was wrong. I then called and asked for a reversal- they reversed {$25.00} and opened an " investigation '' which they sent me an email today and said they wouldn't do anything else. 

Goldman Sachs " apple card ''
Product: Debt collection

You are hereby under provisions of Public Laws 95-109 and 99-361,  also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XX/XX/XXXXXXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTSXX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTSXX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

I originally applied for an auto loan through Bank of America and was approved for an auto loan for up to {$53000.00}. I found a car at XXXX XXXX in New Jersey and the out of door price for the car came to {$44000.00}. The representative XXXX XXXX XXXX ) that was handling this transaction was in close contact with the loan rep ( XXXX XXXX ) and got the deal approved and ready to go. So I drove up to New Jersey from XXXX, VA to pick up the car. When I got there I met with XXXX and signed all the documentation and also was told that I need to get insurance for the car before driving off the lot. I called and got insurance through XXXX that cost me {$530.00} to initiate the insurance. XXXX then sent over the insurance binder to XXXX XXXX. This was all done on XX/XX/2022. 

Now I get a call on XX/XX/XXXX, XXXX from the Finance Manager at XXXX XXXX and they are telling me that Bank of America has not sent over the funds yet because Bank of America is only covering {$37000.00} of the car and I need to come up with the rest. I do not see how this is my issue when the sales rep and the loan rep approved everything before I drove all the way up to New Jersey and now they are telling me that I need to come up with the remainder of the money or return the vehicle. 

This has been impacting my livelihood in the worst way and is extremely inconvenient for me to go all the way out of my way to drive there for them to tell me this almost a month later.
Product: Debt collection

This is a complaint against Bank of America Credit Card Services, and its prevention and fraud department. The reason for this is an excruciating situation for me, because from one day to the next Bank Of America personal profile and credit card 2 credit cards appear that do not belong to me, never open those accounts, never authorize the opening of these cards, I believe that this department did not give me the right treatment, put some cards in my profile without being mine, affecting my personal credit with the 3 credit bureaus and also with the same bank. When I saw in my profile of BOFA, the first thing I did was to communicate with the bank, the response was so disastrous and of little professionalism, well Ms., this investigation can take 90 days, and knowing that these accounts have another name and another surname and SS different, because they are still there in my profile.

These are the numbers of follow-up complaints to my problem : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting a Chapter XXXX Bankruptcy on my report, I request an investigation because I had not filed for Bankruptcy. XXXX answered back that it was verified, by a 3rd party vendor XXXX. I reached out to them to find they report whats in public records and it is the responsibility of XXXX to match the information to the Social Security number see letter attached. Whats worse is Bankruptcy are not recorded in XXXX XXXX County Public Records. Experian did the same thing allthough they never gave me as requested the name address and phone number of the parties reporting the Chapter XXXX to them. In my last correspondence with XXXX and Experian i sent them a copy of a Bankruptcy search for records form that showed i had not filed Bankruptcy see attached. They just ignored the Bankruptcy Clerks findings and continued to report the Chapter XXXX
Product: Checking or savings account

RE : Complaint against USAA Federal Savings Bank ; Refusing to Allow Deposit of {$160000.00} U.S. Treasury Check Dear CFPB Representative : This is a complaint against USAA Federal Savings Bank for its problematic online-deposit policy and breathtakingly deficient service. USAAs behemoth bureaucracypersonified by its process-over-people, systems-over-service apparatushas become too big to assist a lone customer. Thus, Im turning to the CFBP for help. 

As your agency reviews this complaint, please recognize my honorably-retired-veteran status and afford any protections the CFPB might confer to similarly-situated consumers. 

Turning to the complaint, succinctly put, this is what happened. On XX/XX/21, I called USAA to ask if I would be permitted to mobile deposit a forthcoming U.S. Treasury check for about {$160000.00}. Bank employee XXXX assured me USAA could definitely take care of it [ and I ] could definitely get the check deposited. ( Attachment 1. ) But later that dayafter I received the Treasurys check in the mailanother USAA employee ( Adrianne ) gave a 180-degree different answer, saying USAAs maximum daily deposit increase limit was {$150000.00}. XXXX added that amount is set across the board ; no one would be able to raise that limit. there are no exceptions. ( Attachment 2. ) The next day, I tried escalating these conflicting answers to a member of management for what I hoped would be a short, simple call. But between the long hold time and bank employee XXXX call screening, reaching an Executive Resolutions employee took 33 minutes. ( Attachment 3. ) By then, I couldnt wait any longer. So the check remains uncashed, and Im checking with other financial institutions. Sadly, this is what its like to be a USAA customer. 

Thus, I respectfully ask the CFPB to investigate USAAs deposit policies, employee guesswork, and escalation barriers. Thank you for your assistance. 

*** Please see attached XX/XX/21 letter with enclosures.
Product: Debt collection

XX/XX/2016 agreement was reached with XXXX XXXX XXXX XXXX on behave of check and go for a settlement amount of {$880.00}. Final payment of settlement was made XX/XX/2016. We have final settlement letter on hand. Since then we have been repeatedly contacted by multiple collection agencies attempting to make a collection for {$570.00} on behave of check and go. There was only one transaction that was ever owed to check and go and that was settled. No other loans or transactions made with check and go have ever gone into collections. Each time we have been contacted we have been threatened with legal action and/or arrest. Once explained that this matter should have been resolved and having offered proof the collector became more and more aggressive. We would like to have this permanently cleared from my credit and the harassment to stop. This has been going on for almost 4 yrs every 2 or 3 months and it is always a different agency calling with the same information.