23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi, I received a collection letter from a company called Kinum, and the collection letter does not give an explanation or date of service. The amount owed does not add up, and the collection letter looks like fraud.
Product: Checking or savings account

Through most of XXXX my XXXX  ( XXXX XXXX XXXX, registered in Delaware ) had a checking and savings account with Axos bank. The account was closed at the end of XXXX or beginning of XXXX and now I can no longer access the records online. 

I have been trying to get my XXXX, XXXX, and XXXX bank statements from Axos bank for a few months now and they wont send them. I need them for an impending financial audit which is critical to my business. 

On XXXX XXXX, I first called their customer service line ( XXXX ) and requested they send me my account statements in digital form for all of XXXX, XXXX, and XXXX for by business savings and checking accounts associated with XXXX XXXX XXXX. I was assured by their staff that it would be sent within a few business days in electronic form. I called again on XX/XX/XXXX and XXXX and both times was assured they would be sent electronically. Since then, I have also sent repeated messages via the secure message portal associated with the account. In each case I received a message assuring me the statements were on the way. In one case, someone said they had sent paper version but as I am not home and requested digital, these is of no help. 

I also sent the attached letter, which received no reply. 

To this date I have not received my statements and don't know what else to do.
Product: Student loan

XX/XX/2017 Enrolled into a school program. XXXX  XXXX XXXX .The student council signed me up for loans I didnt agree on. Once i learned about it I stopped attending altogether believing that would stop the loan however they continue to collect on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported me as deceased they are a bunch of idiots I am very much alive this problem needs to be rectified now
Product: Money transfer, virtual currency, or money service

recieved a call at work from someone claiming to be owner of hotel I work at. Had me try to wire money to an XXXX XXXX XXXX in XXXX. Remitly did not have any way to cancel transaction before it completed. I talked to them but they said it went through and there was nothing they could do. I had no way of cancelling it. they took {$490.00} from my checking. it is a fed ex scam.
Product: Checking or savings account

I have a personal as well as business relationship with navy federal credit union. My XXXX XXXX XXXXXXXX XXXX account was closed. Because of that three checks were issued to me. One for {$11000.00} another one for {$100.00} and lastly {$5600.00}. All written out to my business name. Again, I have a personal and business relationship with Navy. I called navy and spoke to a representative. I asked the representative if I could mobile deposit my business checks into my personal account. They informed me that it was no problem. I just had to endorse the check in a certain way a specific way. they then proceeded to tell me exactly how to do it. I did so on XX/XX/XXXX and mobile deposited the checks. Ive been banking with navy since XX/XX/XXXX. After I mobile deposited those three checks, then navy proceeded to restrict my account stating that my account is unsatisfactory due to me, depositing business checks into my personal account. Even though their representative is the one that told me, it was OK to do so. They told me to submit an appeal, which I did on XX/XX/XXXX. My appeal was denied, claiming that they were unable to verify me. But they had no problem opening my account back in XX/XX/XXXX. There was no verification issue then. But a restriction is still on my account, and I am unable to access my funds of over {$60000.00}. Making me unable to pay my bills. If there was an issue, depositing the funds into my personal account, I would have happily deposited it into my business account that I also have with Navy Federal. The reason I asked the representative if I can deposit it into my personal was because I would have to mail in the checks for the business which would be time consuming in any event. The representative told me that it was perfectly fine and OK to deposit the checks which is why I did so. If he had told me, otherwise, I would have deposited them into my business account with navy.
Product: Mortgage

I became late on my payments last year. Nationstar offered me a modification. I accepted even thought it would extend out the 20 out of the 30 years I hade left to 40 years. My intention was that I would pay on time for 2 years and refinance out of Nationstar. Then I found out that Nationstar closed my mortgage/note 5 years ago when I was in bankruptcy even after I reaffirmed and have been making payments. So I stopped paying to find out why and what could be done. Who pays 40 years on mortgage that can not be refinanced because it doesnt exist and you may never own it in the end or you think you have it paid off just to be told that you owe more money? I tried to refinance it sooner and that is how I found out there is no note. So then the foreclosure process has started. It has only gotten to their attorney filing papers and requesting it but a judge has not signed off yet and I have denied all claims because I want answers to their claims. Well, I have found a way to pay off my loan ( through my employer ) and in the pay off request they added {$30000.00} fees to my pay off. In XXXX my loan was at {$110000.00} in XXXX it went to {$110000.00} and the payoff for XX/XX/XXXX is for {$130000.00}. I bought this home for {$130000.00} in XXXX of XXXX. I was given a XXXX interest rate even with no less of a XXXX from all three credit reporting agencies. I have tried to contact XXXX XXXX at Nationstar who never answers her phone and never returns her phone calls. So this is what I want help with. I want a true buy out. Not the overinflated one they gave me. I want it noted that I am now sending a check via certified US Mail to make a payment of {$6800.00} since she will not answer her phone to take my payment over the phone. If this can not happen then my boss can buy my house for me at the foreclosure auction for half of what they want for a payoff and they can be out that money since Nationstar closed my note in my bankruptcy and they can not come after me for the difference.
Product: Debt collection

Attention to : XXXX Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX XXXX  are reported collection account from Receivables Performanc when there is obviously no proof that it even belongs to me! I am not saying this is identity theft, but I am saying is that you are being paid to report all accounts accurately and completely and I know for a fact that you didn't verify this account! Where is the contract with my signature with this Receivables Performanc company? How can XXXX  report this account verified, without contract and without my signature with this company Receivables Performanc? 

Having said this, I need to see all documents that were filled out when this account was opened, including an application or contract or this account needs to be removed. I am certain that I shouldn't have to reference anything because you are required to know the law, but section 609 protects me against false reporting and I should point out here that that is exactly what this is! 

Delete this collection account immediately and send me a new report showing it is been deleted.
Product: Vehicle loan or lease

This company has charged off and written off the car loan and still is reports past due balance on my credit report. This incorrect information has affected my credit report/score tremendously and I would like it resolved immediately. If the loan was charged off/written off it should not be reporting a past due balance on my account that is illegal. The company should send me a 1099c form which they never did and is refusing to do so. I have attempted to make contact with the company numerous of times and they have hung up on me and given me false phone numbers over and over again.
Product: Credit card or prepaid card

My Bluebird account with American Express is locked and I am unable to contact customer service to unlock it. I tried to log into my account online to change my PIN number, but I am getting a message the account is locked. When I tried to contact customer service to unlock it, I was unable to reach anybody.
Product: Debt collection

The collection agency keeps calling my cell phone with one ring everyday. when I return the toll free call ( XXXX ) to let them know that I do n't have a debt to pay and that I am a registered " do not call '' number ( XXXX ) they say they will remove my number but they keep calling ( over 6 months now ).
Product: Debt collection

On XX/XX/2019 XXXX XXXX XXXX in cahoots with XXXX XXXX XXXX, XXXX wrongfully received a judgment ( {$1800.00} ) by filling a request and writ for garnishment ( periodic ) against me in a state that I do not and have not resided in ( XXXX XXXX, XXXX ) in over 30 years this is a violation of my rights and protection under the fair debit collections and practices act 808. Unfair practices. 

The above parties presented fabricated documents which stated that I was severed in person and misrepresented contact information to the State of XXXX XXXX Judicial District Judicial Circuit in order to receive a judgement against me in the monetary amount listed above this was a violation of my rights under the fair debit collections and practices act 807. False or misleading representations. XXXX XXXX XXXX along with XXXX XXXX XXXX, XXXX stated that I was served with a writ ( in person ) and also delivered a copy of said writ to my last known address by first - class mail. The above statements are false based upon the following facts : ( 1 ) it's been 30+ years since I lived in XXXX and ( 2 ) My last known address would have been in ( XXXX , XXXX ). Being that the debt which XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX is included with my Chapter XXXX Bankruptcies in which the original creditor has knowledge of places the above plaintiffs in full violations of disobeying a court order and my rights and protection under Federal Bankruptcies law, which states that XXXX XXXX XXXX, along with XXXX XXXX XXXX, XXXX are breaking the law by collecting upon a debit through wage garnishments which is included in my chapter XXXX bankruptcies
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was offered a job and sent a check for {$3200.00} to deposit into my Wells Fargo checking account. The full amount was made available the next day, on XX/XX/XXXX, and I was instructed to use the funds to pay local vendors for office equipment. At that time, I was unaware that the funds from checks are initially covered by the bank and not guaranteed by the sender 's money. 

Believing that I was using the sender 's check and seeing no impact on my personal balance, I attempted to make a wire transfer through my app. When my phone was blocked, I went to the bank, and, again, no employee informed me to wait for a few days until the check cleared to ensure the funds were legitimate. Under the impression that my personal funds were unaffected, I authorized the wire transfer. Only after the transaction did the bank employee mention that the check could bounce, which would directly affect my personal balance. 

I immediately contacted the fraud department, trying for XXXX hours to halt the transfer, but I was repeatedly transferred between departments, and my calls were disconnected multiple times. I eventually filed a claim to recover my funds. After 10 days, Wells Fargo responded, denying my reimbursement claim. 

I hope this situation can be reviewed, as the lack of timely and accurate information from the bank played a significant role in my loss.
Product: Credit card

On XXXX XXXX, 2015, I applied by telephone to Citi for the Double Cash Back Credit Card and was rejected. The reason for rejection that I was given by a " supervisor '' was that my annual income was too low, as dictated by the Federal Card Act Ability to Pay provision. I well recognize that I have a very low income, but I think that I was given a one-sided look at my credit worthiness. The XXXX intake worker did ask the amount of my rent or mortgage payment. I told her " XXXX '', since I own my home. They did not ask any other financial questions -- assets or debts. Had they, I would have told them the following : I own approximately XXXX acres of land, have XXXX ownership in another home on the land, have a CD at a local bank, and money in my checking account at XXXX banks ( XXXX in XXXX KY and another in XXXX KY ). I have no debts. Also XXXX or XXXX times I told the Citi employees that I am in good standing with XXXX credit cards ( XXXX and XXXX ) for which I have always paid my balance monthly. I offered to give them my account numbers. They did not want this information. 

In my later reading a bit about the Federal Card Act time and time again was the statement that any credit card issuer must do " a review of the consumer 's income or assets as well as current obligations ''. Thus I think that I was not treated fairly by Citi in my telephone application process for their Double Cash Back Card.
Product: Credit reporting or other personal consumer reports

his account was opened on the following data XXXX in XXXX and XX/XX/XXXX in Experian..this is wrond ... and the Date last active XXXX in XXXX and XX/XX/XXXX in Experian ... .this is wrond this inaccurate obtain credit transunion failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX XXXX  Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA requires consumer files accurate and complete. Want account to list on credit report entire payment history & updated status ; date account was opened and closed ; credit limit ; high credit limit ; balance, high balance ; list in payment history section year and month payments were 30,60,90,120,150, 180 days late and charged off date. 

XXXX XXXX XXXX informed me that account is owed by them effective XXXX. And XXXX does not own account, however account is 100 % inaccurate. 

Attached is document from XXXX XXXX XXXX stating their ownership. 


Congress was clear that credit reporting companies and furnishers have responsibilities with respect to accuracy with no exceptions for legal issues. 

the CFPB, together with the Federal Trade Commission ( FTC ), filed an amicus brief in Sessa v. Trans Union , LLC, a case in which a consumer sued TransUnion, one of three nationwide credit reporting companies, for violating the FCRA. There is no dispute about the facts : TransUnion reported on a consumers credit report that she owed nearly {$20000.00} on a car lease that she actually didnt owe under the plain terms of her lease. 

The consumer sued TransUnion, arguing that it had violated the FCRA by failing to have reasonable procedures to assure the information on her report was accurate. TransUnion argued that it couldnt be responsible for failing to do its duty because the error was legal rather than factual. TransUnion also argued that the incorrect information couldnt be inaccurate because it was provided to TransUnion by the company that financed the lease. 

The brief filed by the CFPB and FTC points out that the FCRA does not contain an exception for legal inaccuracies. Rather, the law commands credit reporting companies to follow reasonable procedures to assure maximum possible accuracy. While TransUnion argues that the inaccuracy on the consumers credit report was based on a legal dispute, the error was simple and straightforward : TransUnion reported that the consumer owed money that she clearly did not.
Product: Debt collection

CBE Group is reporting debts on my account that I do owe. I never received any phone calls or any written notice of this debt. I found out of these collections when I checked my credit. I immediately contacting them to verify & pay the debt if it was mine with no luck. They never answer the phone. It has been very stressful and difficult to communicate with them. They are in violation of my 30 day right to dispute, and this collections need to be removed off my credit.
Product: Mortgage

The company filed a foreclosure on his house but held a check for from him for {$8400.00}, if the check held by the company his account should not face foreclosure
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX or XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

Have dealt with Ocwen through efforts of reps with XXXX and XXXX Ocwen will not accept loan mod packages and will not send out proper notices for any denials Refuses to speak to my third party
Product: Credit reporting or other personal consumer reports

I got an alert from experian on Monday XX/XX/XXXX that I have an over due payment of {$40.00} and balance of {$310.00} on a PayPal account. Please note that I do not have a PayPal account and never had one. It shows that the account was opened XX/XX/XXXX account name is SYNCB/PPMC, account number starts with XXXX, account type is credit card and monthly payment is {$51.00}. Due to the afore-mentioned fraud account my credit score went down by XXXX pts. I reported a fraud dispute with experian and is now reporting it to FTC.
Product: Debt collection

I am honestly not sure what this is for but my insurance covers XXXX percent of everything. Maybe you should include more information when sending someone a notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Experian saying thank you for changing my email with them and when I went online to reset my email it looks like it was changed to an email address I do not have by someone else. I immediately emailed Experian to tell them and included my information but they will not respond or help. I need this investigated immediately my information Is at risk. Thank you.
Product: Checking or savings account

On my birthday XX/XX/2022 a foreign person had got access to my account at Wells Fargo and used XXXX to tamper in my account sending themselves XXXX and transfered money from my savings to my checking in the amount of XXXX but I saw this and wells fargo team transfered that back.I had to wait seven days to get the XXXX back was disappointed and upset at why my bank didn't see that as fraud attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling my dispute, particularly in light of the recent CFB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims appropriately. They informed me that recovery of my funds was impossible and that tracking was unfeasible. The CFBs finding indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system and leave customers vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I froze my credit XXXX months ago on advice from a friend. At the beginning of XXXX, I wanted to unfreeze my accounts to change phone service. XXXX and XXXX were accommodating and easy to unfreeze my accounts. Experian uses AI to field their calls and it is " impossible '' to speak with a representative ( XXXX ). After countless attempts on both the phone and online, I could not access my account to " unfreeze '' my account. I finally put a search into XXXX to ask " How do I talk to somebody at Experian? '' I was not alone in my plight. XXXX had many people in the same situation. I used XXXX of the suggested " workarounds " and finally got to a XXXX. 
Experian needs to make their access more consumer friendly. As it is the XXXX most used, it should be the XXXX most professionally run. It was an aggravating and time-consuming process that should be corrected.