23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My parents, XXXX and XXXX XXXX, obtained a loan from XXXX some twenty years ago relating to flood damage to their home in XXXX. They made payments on the loan for years. They are both now deceased. 

XXXX XXXX passed away on XXXX XXXX, XXXX, and XXXX XXXX passed away on XXXX XXXX, XXXX. Both died intestate, and without assets. No estate proceedings have been, or will be, commenced. 

Bayview is attempting to collect the loan despite the fact that both parents died without assets. 

In addition, Bayview is attempting to collect this debt from the decedents ' daughter, XXXX XXXX, who bears no legal responsibility for this debt. They are sending demand and collection letters to XXXX XXXX at her address at XXXX XXXX XXXX, XXXXXXXX. The decedents, XXXX and XXXX XXXX, never resided at XXXX XXXX XXXX. 

Finally, Bayview is falsely misrepresenting that this is a mortgage debt and that there is a mortgage on XXXX XXXX XXXX, XXXX XXXX 's residence, when that is not, in fact, true. XXXX XXXX is an apartment complex.
Product: Debt collection

I checked my credit report on XXXX XXXX, XXXX and I seen I owed a debt to a collection company for {$1700.00} that started in XXXX, XXXX. I have tried to see where this collection has came from because I was forward XXXX from XXXX XXXX, XXXX all the way until XXXX XXXX, XXXX so this could not have came from me.
Product: Payday loan, title loan, personal loan, or advance loan

There was an online advertisement they help consumers get out of debt and help rebuild your credit at the same time. The company claims they will give you a small loan of {$50.00} that you pay back via autodraft from your checking account in increments of {$10.00} dollars per month. XXXX claims they will report the on time payments to the credit bureaus to help build your credit. After the {$50.00} dollars is paid off in five months, the company advertises that a you will unlock up to {$8000.00} balance transfer card so you can consolidate your credit card accounts and pay off debt. The company advertises a monthly fee of about XXXX per month that is autodrafted for membership. However, XXXX drafted approx XXXX dollars at one time from my checking account, which was a surprise because I thought they were going to take out monthly payments. They consumers download their app and you enter your checking account information and social security number to link your checking account for the autodraft. They also pull your credit report and link your credit reports to your profile on their app.The app shows a running balance of what consumers have in their checking account and populates some of the credit cards showing on the credit report and those balances. My monthly payment of XXXX dollars was supposed to debit around the 17th of each month. When the payment did not debit, I contacted XXXX to ask them why. It seems like they have a bot that responds and claim they will get back to you with the answer via email. After they were not able to explain why my monthly payments were not coming out I got frustrated and asked how can I cancel the account. I got a response via email on steps to cancel but the email did not address how I would received the XXXX dollars back for the membership fee. I really did not want to cancel because I wanted the product and service they advertise so I can get the up to {$8000.00} balance transfer after 5 on time payments. So I asked again in customer service about 3 more times on different days when my monthly payment was coming out and why my first payment was not debited. They then sent me another email on how to cancel my account without addressing the problem. I then contacted them again stating I would inform the CFPB if I did not get an answer and they never responded to me after that. I then read some complaints online from other users that had problems with XXXX. Now I have to call my bank and dispute the ACH for XXXX dollars and place a stop payment against any potential future debits from this company. Not to mention they have all of my persoan information including address, phone number, email, credit report info and bank account balance. I feel violated from their deceptive practices. It seems as if they are aiming to profit from the XXXX dollar fee they charge up front and then fail to follow through on the services and product they advertise. If one million consumers sign up for their service, they easily make XXXX XXXX dollars without having to do anything else other than keep their app platform running as a front.
Product: Mortgage

I suspect a scam to prolong my PMI payments. I was advised that an appraiser will contact me in a month. It took over 6 months to get an appraiser scheduled. Then once completed, with a 25 % debt to value ratio, I was denied. It is now being reviewed, and it will take another 2 weeks for the results. Culprit Loancare - Escrow, XXXX, VA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are auto loan inquiries reporting on my credit report and its so many. I tried to call them but the companies were so nasty and saying theres nothing that they can do they deal with third party. I never applied for any car loans and it has destroyed my credit. I worked so hard with my home and trying to keep everything paid during the pandemic and here goes these inquiries that I did not authorize showing up. from many companies like XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also the three Credit Bureaus are not updating my credit score properly, I had a 99 % -100 % pay rate and debt to ratio have been where its suppose to be and I have never obtained a 730 + credit score even with me owning my own home and paying off vehicles. Even while being a victim of Equifax fraud victim, they still have not updated me on the status of my compensation on that issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing erroneous items with the bureaus since XXXX of last year ( XXXX ). 

XXXX BAnk and XXXX are my biggest concerns right now. 

XXXX Bank is reported incorrectly. Each bureau reports a different date of last active. Transunion reports XX/XX/XXXX, XXXX reports XX/XX/XXXX and the payment status is : was past due two or three times. That's not even possible or accurate. It must be concise according to laws that govern credit. XXXX reports the date last active as XX/XX/XXXX and they keep reporting payments after it's closed. this is inaccurate and should not be on my report. They refuse to correct this. 

XXXX should not be on my report either. XXXX reports the Date last active as XX/XX/XXXX. Transunion reports the date last active as XX/XX/XXXX and they are reporting activity on a closed account. XXXX is also reporting the date last active as XX/XX/XXXX with current payments on a closed account. They will not fix this and it's against FCRA guidelines
Product: Checking or savings account

The issue is that Discover Bank 's systems do not work and have me locked out of all my accounts. 
I moved and do not own a cell phone. I had to get a new landline phone number when I moved. When signing into Discover Bank website they send a code via phone but do not have my new number. I phone the bank to give them my new information. I followed their instructions exactly : I printed out their webpage ID verification form, went to a notary, filled it out and got it notarized. ( file attached ) On XX/XX/XXXX I uploaded the form on Discover 's upload page which said upload was successful and received an email verification of the upload. ( File attached ) They told me it would take about XXXX  days, to call them then. I phoned and they could not find my form even though I gave them the confirm # that is in the email. ( XXXX ) They told me to upload it again, which I did twice more each time their page said upload successful but I never got an email confirmation for either of them. I called and they could not find either one. 
They still could not find any of the uploads XXXX days later and told me to take it somewhere I could fax it to them. I faxed it from the library on XX/XX/XXXX and received an email verification of that transmission. ( File attached ) They told me that they received faxes immediately and I could call to verify they had received it. I phoned them but they said their fax system was down. I checked again before closing time and it was still not functioning. 
I phoned the next day, XX/XX/XXXX and they said they have it and I could phone before closing time to check if it was processed. I phone back and they said they couldn't find it. I phoned again on XX/XX/XXXX around XXXX EST and they said they are working on it, but it still is not processed. 
Meanwhile they have automatically renewed a CD I did not want renewed and they said they could not change that until my ID is verified. 
I asked to speak to someone who has some authority there to handle such problems, but they did not provide anyone. 
My old phone that is still on the account was ( XXXX ) XXXX. 
My new phone is ( XXXX ) XXXX which they need to put into my account so that I can sign in.
Product: Payday loan, title loan, or personal loan

I submitted my monthly payment on XX/XX/XXXX and used my bank account information for the payment. On XX/XX/XXXX my payment got rejected for an unknown reason. when I contacted the customer service on XXXX the person told me that my bank account rejected my payment. I call my bank right after that call and the representative from my XXXX XXXX XXXX bank confirmed that no transection was submitted from citizen bank. Then I tried multiple times to make payments online and for an unknown reason, the citizen bank online service blocked my XXXX   XXXX XXXX checking account numbers. 
I called again on XX/XX/XXXX and after explaining the details the representative submitted my payment again. 

The payment amount is XXXX
Product: Mortgage

I had already attempted to have my case looked at through CFPB case # XXXX They closed it based off the Lenders response. 

I am attaching my information through a letter I am sending XXXX XXXX tomorrow. 

I have emails from my HUD certified counselor proving " Dual Tracking '' during All 3 Foreclosures. 2 have been vacated. The next one is XX/XX/XXXX I still have XXXX Notices of " Error of Resolution '' still active. XXXX is still going to move forward with Foreclosure. Promise! 

With a Notice of " Error of Resolution '' active they can not move forward with the foreclosure sale. 

Attached are also the Letters of " Reviewing File '' confirmation. Most recent was XX/XX/XXXX I qualified for a " Covid Recovery Options '' and/or " Standard Loss Mitigation XXXX XXXX XX/XX/XXXX. 

Contact with my HUD Counselor XX/XX/XXXX made my " Loss Mitigation Complete '' because I was working with a certified HUD counselor.

Communication between my counselor, XXXX  and XXXX will prove my claims.
Product: Debt collection

They have been written not to call, filed two complaints and yet they still call
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. This is my official statement about the crime. Contact Information FTC Report Number : XXXX Name : XXXX XXXX XXXX : XXXX Last Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX USA Personal Statement Phone : XXXX I went over my credit car bureaus info and I fond that someone had used my personal information to get credit cards and to lease car as well. My personal information was use to open this accounts. 

XXXX credit card XXXX # XXXX amount : {$600.00} XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX amount : {$2400.00} Accounts Affected by the XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Organization : Account Number : Date fraud began : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$10000.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card

Good morning I got a credit card from fnbo which I didn't apply for at all, I don't know if this was a mistake on there behalf. 
I didn't active it, I just thought this was wrong to do, I will get a hold of there company I just want to you guys first
Product: Credit reporting or other personal consumer reports

There are 3 hard inquiries listed and XXXX. The was a data breach with all 3 credit bureaus. I have not provided or requested a credit iniquiry from any institution. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
i have contacted all three creditor reporting companys
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account reference # XXXX bankruptcy, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

the bankruptcy court did not furnish this information to the credit bureaus
Product: Mortgage

I applied for a modification with Nation star mortgage since XXXX 2015, but unfortunately no modification was approve even do. I show more income in application and the current loan is interest only, with a rate and payment increase in the following months. I believe Nation star Mortgage is not practicing fair business with me.
Product: Credit card or prepaid card

In XX/XX/2023, my ex boyfriend stole my XXXX XXXX debit card and took out a total of {$700.00} from my bank account. They sent me a new card but never refunded the money as they said they would.
Product: Student loan

Navient makes it impossible to log into the website to pay bills. Despite having a working login one day, the next day it is impossible to log in. I have my login information correct and despite this, it notifies me that I have entered incorrect log in information and only have 3 attempts total before having to physically call the company hotline to reset my password. This is clear predatory behavior that only benefits Navient as it increases interest paid and prevents the aspiring generation from being able to pay off their debts. Furthermore, Navient makes obvious attempts to misallocate loan payments and intentionally confuse their customers in order to again, keep interest payments high.
Product: Credit card

I rented a car on XX/XX/scrub>XXXX XXXX  and returned it XX/XX/year>. The company I rented from claims I damaged it, but I have evidence I did not and presented it to the original vendor and Chase. The rental car company then fraudulently charged my credit card {$330.00}. I disputed the charge from XX/XX/year> with Chase, I don't remember what date but Chase responded in writing to my letter originally XX/XX/year>, which means the dispute was timely. 
Chase received documentation from the rental car agency that stated we had a contract. That is true, but I have demonstrated the rental car agency broke the contract by billing me for pre-existing damage to the car. A letter dated XX/XX/year> which I received XX/XX/XXXX and stated that if I did not indicate I wanted to keep the dispute open by XX/XX/XXXX they would close it. I called on XX/XX/XXXX and mailed the documents back to them the same day, but they closed it anyway. I reopened the dispute and it was closed again. 
I called again and was told to not use the dispute channel, but instead write a letter indicating all I had previously indicated. XX/XX/year> Chase wrote a letter indicating that the dispute was closed again, this was received XX/XX/year>. So I finally relented and attempted to file an insurance claim as my card provided coverage for rental cars. When I did so via telephone I was informed the claim would be denied as it was more than 60 days after the incident and I had not informed them. I had indeed informed Chase Cardmember Services but Chase is playing a game where I had to inform the Chase Benefits Administrator separately.
Product: Bank account or service

I received an offer to apply for a Citibank Citigold Checking Accounting, with a sign-up bonus offer of XXXX XXXX XXXX miles after completing the terms ( a direct deposit, XXXX monthly bill payments, etc ). I completed the terms of the offer and expected XXXX points to post within 60 days. When this did not occur I contacted XXXX and chatted with a representative who assured me I had met the terms and should expect to see points. I then received an emails saying was I not eligible for the offer and therefore would not receive the bonus points. I am not satisfied with this. I have evidence of the terms of the offer I signed up for, a chat conversation with Citi acknowledging that i was 1 ) eligible 2 ) have completed the terms and 3 ) should expect to receive the bonus. I would appreciate your assistance with this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries appeared on my report without my permission  1 .   XXXX   XXXX    XX/XX/XXXX   2.    XXXX   XXXX     XX/XX/XXXX  3.   XXXX   XXXX   XXXX    XX/XX/XXXX   4.      XXXX    XX/XX/XXXX  5.   XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX .   XXXX   XXXX    XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below..

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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 report relates. 

I have already sent mail out and it has been over XXXX XXXX before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Money transfer, virtual currency, or money service

My account was accessed without my consent on XX/XX/XXXX, locking me out of my account. After submitting a report for my case my account should have been locked from all transactions, however the next day {$300.00} was withdrawn from my XXXX checking a account. After getting my money back from XXXX that day I continued to email Coinbase about my issue and I have yet to receive anything other than copied and pasted replies. I waited a month for a response from Coinbase resolving this problem and I have had no success. I then started asking around in the community to see that others are going months without any resolution, after that I started emailing them again and the situation circled around back to the company support team ignoring me. All I want is my account back in my possession with the correct amount of money in it, and to have the Authenticator, added by someone else, removed leaving me with an SMS authenticator.
Product: Debt collection

To Whom It May Concern, I am writing to formally complain about Robinhoods handling of my account, specifically regarding unjust and unexpected fees that have resulted in a deficit in my account.

Recently, I received notifications from Robinhood indicating that my account has a deficit and that I need to deposit additional funds to cover this balance. The app has restricted my ability to open new positions until this deficit is resolved. However, I believe these charges are unfounded and do not accurately reflect my trading activities or account status. The notices do not provide a clear explanation or breakdown of how these fees were generated, and they appear arbitrary.

I am concerned that Robinhood is imposing charges without transparency or justification, effectively misappropriating client funds. This has caused unnecessary inconvenience and raised doubts about the platform 's fee management practices.

I request that the CFPB investigate Robinhoods fee structure and practices for handling account deficits. I also urge you to hold Robinhood accountable for any unjustified charges that may be affecting clients, as this could constitute a breach of fair business practices.

Thank you for your attention to this matter. I look forward to your assistance in resolving these issues. 

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

These accounts and inquiries are not mine they was made without my permission, or consent,. inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.