23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Thursday, XX/XX/XXXX I cashed my fiancs paycheck via my banks mobile deposit option on the Regions app. I have done this dozens of times in the past with no problems. On Friday I received a email that the funds were out on hold and would not be released until XX/XX/XXXX. I called them and asked for explanation which they couldnt give me. I asked them to cancel the transaction and they said the couldn't. I was told by the customer service representative I could try to cash the check elsewhere and that would ultimately cancel out this first transaction. So I went to XXXX XXXX, my fiancs employers bank, the bank that was printed on the check and they told me they could not cash the check because it had already been cashed. I then spoke with the payroll accountant at his workplace and she said the check was completely cashed. But regions keeps telling me its still pending. I spoke to another customer service representative who told me my funds would be held through XX/XX/XXXX, but now its the XXXX and theyre still being held so that was no true. I received another email stating the funds are being held until XX/XX/XXXX.
Product: Checking or savings account

I MADE A DEPOSIT INTO MY TD BUSINESS ACCOUNT ON XX/XX/2023 FOR {$100000.00} THEY PUT IT ON HOLD FOR 6 DAYS. AFTER THE 6 DAY I CALLED UP AND ASKED WHY I STILL HAVE NO ACCESS TO MY ACCOUNT. THE BANKER WHO OPENED MY ACCOUNT HAD NO CLUE WHY THIS WAS HAPPENING TO ME AS WELL. I THEN CALLED THE TD BANK CUSTOMER SERVICE REP AND THEY SAID THE SAME EXACT THING. " THEY HAVE NO IDEA ON WHATS GOING ON ''. AND THAT THE BACK OFFICE ARE THE ONES RESPONSIBLE FOR THIS. NOW THE BANK IS CLOSING MY ACCOUNT AND NOT LETTING ME KNOW WHAT IS HAPPENING WITH MY MONEY. IVE BEEN TO THE BANK MULTIPLE TIMES AND EVEN CALLED MULTIPLE TIMES. MY BUSINESS IS IN JEOPARDY OF CLOSING BECAUSE OF THIS. AT THIS POINT I FEEL I HAVE BEEN ROBBED OF MY MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My birthday is incorrect shows I was born in XX/XX/1977
Product: Debt collection

A number called me and left voicemails stating they were trying to contact me in regards to a parcel that could not be delivered. I called back today, XX/XX/23 and the lady states she was XXXX XXXX from IRC Services ( XXXX ) and that she was trying to contact me regarding an old payday loan with XXXX XXXX XXXX I stated that I paid off my debt in full with them and have the paid in full letter. I also stated that I contacted XXXX XXXX XXXX  after paying the debt collection company off and they stated I had no active accounts. XXXX XXXX told me that if I did not pay the amount today XX/XX/23 by XXXX I would get XXXX felony charges filed against me with XXXX XXXX. I again called XXXX XXXX XXXX  and spoke to their collections department who told me that it sounded like a scam and to request a debt validation letter. When calling IRC Services back requesting a debt validation letter XXXX stated that it would be too late to send XXXX and that charges would already be filed, she stated they sent XXXX to my email and home address in the past, which I did not receive anything from them. I then knew it had to be a scam. Very scary that they had my home address, email and name and threatened to file felony charges against me and that I would have to go in front of a judge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a quarterly summary letter from XXXX XXXX dated XX/XX/XXXX referring to a new inquiry alert type. The date of the alert was XX/XX/2021. The details of the alert or square capital LLC. The credit reporting agency was XXXX. I attempted to contact XXXX and square capital LLC by phone but was unable to speak to any representatives as there was no option to do so. Online with both companies got me nowhere. I need to know if a loan was taken with my identity fraudulently.
Product: Mortgage

I bought my house XX/XX/XXXX. I was making good money. The economy was starting to show signs of distress, but I do n't think that anyone knew just how much it would deteriorate. The loan was 100 % financing, and was sold several times. By XX/XX/XXXX I was struggling to keep up as the economy had really taken a plunge. The loans were about to go adjustable and my commissions had been reduced drastically. I was able to get a loan modification from the first mortgage, but took an additional 9 months to work out a modification with Ocwen Loan Servicing. 
XX/XX/XXXX I moved to a town that was closer to my daughter 's new high school, because I could not afford to drive ( up to XXXX round trips per day ). I rented the property to an out of state contractor who was working in the area, for 6 months. Once he moved out I hired XXXX XXXX XXXX XXXX to place a new tenant. I have never been able to rent it for the house payments and all this time I have been paying out of pocket to cover the house payments. 
XX/XX/XXXX I bought a new car, as the car I was driving has XXXX + miles on it. 
On XX/XX/XXXX, after 11.75 years of service, I was laid off my job. 
On XX/XX/XXXX, my tenant ( who always paid his rent late ) moved out. He had totally trashed the property and took my spa. I took the money that he had left as a deposit and cleaned it up as much as possible, but with so much more to do, and no paycheck, I could not afford to do any more to improve the property. 
I listed it for rent again with the property management but due to the condition of the property, I could not get enough to cover the house payments. 
The first mortgage went up XX/XX/XXXX and the second mortgage is due to go up XX/XX/XXXX. 
I immediately put it on the market, but due to the condition of the property it was listed as a short sale. I have had XXXX offers. We have been waiting on Ocwen since XX/XX/XXXX to give us an answer to the proposed sale. They said that we did not provide the documents, which we did, then they lost the documents, then and still, they say that it is with the investor and there is nothing that they can do, meanwhile they continue to call me regarding the payment. 
The XXXX buyer canceled because they were tired of waiting. The XXXX buyer is tired of waiting and has threatened to cancel. The back-up offer is lower than the XXXX offer that is on the table. 
Every day / month that goes by, my credit is affected more and more. I have tried to make my payments at least 15 days in advance of the payment due date in order to have good credit. 
Ocwen denied my request initially as I was given a severance which has since run out. 
If it goes into foreclosure, Ocwen will get nothing. 
I am a XXXX year old single mom. I have a daughter that is graduating XX/XX/XXXX and will be going to college. My child support will stop then. I can not afford this house any longer. 
Ocwen promised an answer in 45 days. This has been going on since XX/XX/XXXX. It is now XX/XX/XXXX.
Product: Student loan

I attented XXXX after speaking with a recruiter who came to my home in attendence with my father. It was soon discovered I would not be eligible for enough financial aid to attend the school, so the recruiter heavily pushed Sallie Mae Financial for the private loans. 

XXXX and its recruiter boasted extremely high job placement and skillsets that would readily have me ready for the workforce, but this was not the case. It was discovered and is now known via mutliple lawsuits that the school lied to its students about its job placement statistics, and its preparation readiness for the workplace. 

The Dept of Education has placed stopped payment on all XXXX XXXX loans, the parent company of XXXX. 

Due to financial difficulties, my student loans went into default multiple times after countless harassing phone calls and threats of wage garnishment etc after difficulties finding employment as the training at XXXX was insufficient to meet many companies standards for jobs. 

After receiving help from family members, my wife and I did a cash out refinance on our home, in order to pay off the remaining loans and remove the defaulted loans from my credit report. 

XXXX 's fraudulent ways and insufficent education, along with predatory practices caused me to incur massive financial penalties. I am currently awaiting reimbursement of all federal and state loans, and am requesting a full refund of all private loans for this fraudulent school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an account or any debt from this company yet they refuse to remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have vehicle loan through Westlake financial. Iwas in an accident on XX/XX/XXXX, and my primary insurance considered the vehicle a total loss. From XX/XX/XXXX through XX/XX/XXXX i was not able to get through to Westlake financial insurance dept . It wasn't until i started getting collector calls that i was able to get transfered. But even then i kept getting hung up on, the only time i actually got through would be when i got transfered supervisor to supervisor. But after a few times of that, the operator would siply not transfer me to anyone and just hung up on me. 
My primary insurance was ready to pay out 2 weeks after the accident. But i wasnt sure if i wanted to keep the vehicle or not. My desicion would be based on how much i would have to pay. ( whether or not my gap insurance would still be accountable and to what extent, since i was never given a copy of the contract ). 3 times i got through to insurance dept each time i was given a different response. 
A ) that no it wouldn't be responsible B ) that it would pay the the equivalent of 5 payments C ) that it would pay the remainder from actual value report from primary insurance. 
Since the answer kept changing i asked for this information in writing to be sent to me in writing. But recieved 3 different payoff letters with different payoffs on each, each one being less than the one before. Its been 4 months now and i still cant get through when i call, but the collection calls dont stop. 
Only now the operator always has a taunting/smirky voice as if to laugh at me and will not transfer me to anyone. I know that they have made changes to my contract without notifying me beforehand such as removing the warranty. And never notified me in writingn, but an operator let it slip.
Product: Debt collection

I received a call from a XXXX or XXXX XXXX that no longer works ( Hunter Warfield ) started that I owed {$150.00} for an application fee for XXXX XXXX  XXXX ( apartment ) which i never did. 

Collector stated that i need to pay .... due to my credit status i willing to, I made this payment and requested documentation which was never provided, furthermore we have made valid attempts to contact them for documentation also was denied. 

After the payment was made i was advised that i would be sued for a debt that doens't exist. 

Per the FDCPA 15usc 1692f see below 15 USC 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.

( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card.

( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

15 USC 1692g We would like this account rectified so called immeadiately we were advised this so called acconut we have paid 150.00 to an account that dose n't exist but was applied to an out of stat account.

Prior to filing this i was in contact with agruss law firm who have several suits .... I have also tried several attempts to resolve with an manager and have been hung up on repeatedly. My last hope
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per XXXX  XXXX ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX  XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

XXXX had XXXX XXXX and XXXX XXXX XXXX do an illegal FORCLOSURES with so asset back pass through certificate. Pooling. I recently learned my mortgage paid for these without my knowledge OR permission how do I collect
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reportinn agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/2020 I was looking through my account and noticed a transaction I had never seen before. It ws {$150.00} going to some unknown company in XXXX. I immediately contacted the bank and stated, I needed my money as I could not afford to lose anymore money..Living off SSI which has been going to American Express for years XXXX But ironically it was very noticeable how when my stimulus money came in things internally started to come apart. More and more little transactions started to flying out of my account. Its been a nightmare for many reasons these are People in the XXXX you can never understand what their are saying. Extremely bad English!! This is what happens when you out souce work in America. They're profoundly rude and disrespectful of this process we have here in America!! In the end they blew me off and told me basically to go kick rocks and they're refusing to return my stolen money. I did what little research I could on this fake internet site. By clicking on the link in the email sent to me by Amex. Express and it came back as a fake email. In all the years I've dwelt with this bank never ever before have I seen this.!! Still don't know what it truly is. I believe the theives are in the Bank. It's and inside job. It makes No sense at all.!! Please help me get all my money back and there some criminal charges that can be brought against them. This is now over {$200.00} I can't afford to lose that kind of money. 
Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX  Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been well over a year now, and I'm still battling with XXXX and XXXX to review my credit and remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies won't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and the CEO 's and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.
Product: Credit card or prepaid card

I purchased tickets for my son and his girlfriend in XX/XX/2018 for an XX/XX/2018 trip. My sons girlfriend broke off with him and I called and cancelled the flights. I then disputed the charge through the XXXX XXXX credit card and they said I have to pay because I made the purchase. I will not be using the service and I should not have to pay for tickets that will not be used. 
XXXX XXXX XXXX card - Citi Retail Services XXXX XXXX   XXXX XXXX TN XXXX Date purchased : XX/XX/2018 XXXX son ticket XX/XX/2018 XXXX girlfriend ticket XX/XX/2018 XXXX son seat XX/XX/2018 XXXX girlfriend seat Date cancelled - XX/XX/2018 Record Locator XXXX Date disputed on credit card XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 a account without my written instructions
Product: Credit card or prepaid card

I was in a XXXX XXXX XXXX XXXX XXXX, while in the XXXX  i had to replace my credit and debit cards. my account was set up on auto pay. when i iwas in the XXXX i had to cancel my debit cards and others due to them being lost. my payment was processing from the previous card that was closed out and my account was late and i had 3 returned payments advised the capital one, and requested for something to be done
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. nor therefore any such debt in the fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX balance {$730.00}, XXXX XXXX XXXX XXXX {$72.00}, XXXX XXXX balance {$15000.00}
Product: Mortgage

The monthly payment I made in the past never be deducted from the line of credit account. Please help me to resolve this issue. 

Thank you very much! 
XXXX XXXX
Product: Credit reporting

I HAVE SUBMITTED SEVERAL DISPUTES TO TRANSUNION REGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE TRANSUNION FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a fraudulent account on my Equifax report XXXX of 2016 from a company called, XXXX XXXX XXXX. They were, and still are, reporting that I owe a {$7000.00} debt for an involuntary repossession. I filed a police report and submitted it to XXXX XXXX as well as Equifax asking them to remove this fraudulent item from my credit report or furnish proof that the debt was mine. I 've not received favor responses from either company. In fact I was threatened by an employee from XXXX XXXX. And Equifax continues to tell me that XXXX XXXX has verified the debt is mine but refuses to show me the proof. I am obviously frustrated and dissapointed that both companies are so unwilling to help.