23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Damages have occurred to me as the original creditor and consumer. I believe EXETER FINANCE CORP violated GAAP law. I want the details of the alleged agreement this institution wrote in accordance with GAAP. I want to know how my promissory note was purchased if a loan has been issued. I want the original promissory note to see the stamps, to see if the proper endorsed party is receiving payment.

If the EXETER FINANCE lent their money to purchase my promissory note, then I am testifying that the bank violated the law- GAAP . Per GAAP and Federal Reserve publications, two loans were exchanged. I lent the promissory note to the bank that funded the loan back to me. The loan from me to the bank is the deposit of the promissory note. GAAP requires that the bank match a new bank liability with my name on it showing that the bank owes me for the deposit they accepted from me just like they do when I deposit cash into my checking account. Bookkeeping entries will say that if I withdraw my money the bank lent me nothing. The contract says the bank lent me money, but the bookkeeping entries say the bank accepted my promissory note as new money, as a deposit, just like depositing cash into your checking account. My signature can not testify that the bank lent me the banks money to purchase my promissory note, but the bookkeeping entries prove that they lent no money to purchase my promissory note. If I lent the bank money as a deposit, the bank accepted the money from me, the bank never gave up one cent of its money. The bank accepted money from me and deposited it which is the opposite of lending me money. If I lent the bank money and they never returned the same value back to me, then my note has been stolen and this contract is illegal.

I Entered a dealership for a consumer credit transaction to extend credit to myself as the original creditor. I was misled as to who the original creditor would be. This contract was illegally assigned to EXETER FINANCE without my consent. No right of rescission paperwork has been conspicuously given to me and is not included in this contract. I was never given the option to include insurance in the finance charge. The finance charge is the sum of all charges and many misrepresentations of the finance charge is embedded in this contract. EXETER FINANCE committed fraud and identity theft. Fraud and identity theft renders any contract void. This contract is void. I claim full possession of the property, demand the pink slip mailed to me, all payments directed back to me by check and civil liabilities for federal law violations. I have a right to privacy and fair debt collection practices. My consumer rights are being violated.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of several unauthorized inquiries on my credit report, as provided by XXXX. After obtaining a copy of my report, I have identified the following inquiries that I believe are unauthorized and not attached to any of my accounts. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX, I request that you conduct an immediate investigation into these matters and remove these inquiries from my credit report. 
* Inquiry Details : 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 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  * Explanation of Inaccuracy : * All of the listed inquiries are unauthorized and not associated with any accounts in my name. 
* Request for XXXX XXXX and Removal : * I request that XXXX immediately investigate the unauthorized inquiries listed above and remove them from my credit report. 
* Reference to FCRA - 15 U.S. Code 1681a : * I want to bring to your attention the FCRA, specifically 15 U.S. Code 1681a, which outlines definitions and rules of construction related to consumer reporting agencies. As per the FCRA, inaccurate and unauthorized information should be promptly investigated and corrected.
Product: Debt collection

Midland Credit Management has not refunded me for the amount I had paid them previously and still has not given me the contact information to speak to someone who can help me with this. 
I paid {$1200.00} towards a debt that was due to identity theft and never received the check for it and the company has still not refunded me or sent me the check for it. I am owed a refund.
Product: Prepaid card

On XXXX I tried to add money to my cashapp from my XXXX account but was unable to do anything because cashapp seemed to be down. I checked later and I had been logged out, so I logged back in and it showed my account had been closed. I have not violated any terms, nor have I do XXXX anything wrong or illegal in any way After waiting XXXX hours for a response from cashapp, I was told they can not tell me why they closed my account. This can not be right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  accepted an application, and ran my credit, for a secondary HELOC underneath my original HELOC although XXXX XXXX  apperantly has a policy against opening a secondary HELOC underneath the original HELOC, a common practice, that I was not informed of when I applied. 

I have a HELOC with my mortgage holder from XXXX  when the equity was much lower. Because I have had past issues with the bank that has my mortgage ( now resolved ), I wanted to try and get a secondary HELOC underneath my original HELOC to access more equity... but with a different bank. 

The reason I chose XXXX XXXX  is because I've had an account with them since I was a teenager and thought I could trust them more than my mortgage holder. XXXX was I wrong. 

I noted the XXXX existed in my application with XXXX XXXX. 

After my credit was run, I received a note from XXXX XXXX asking if I wanted to consolidate the XXXX. I said I didn't know that was an option but if its possible I would like to make it happen. This would have been the time for XXXX who I was communicating with to tell me that it wasn't an option- it was mandatory. I was asked like it was an option, not mandatory. 

It wasn't until a few weeks later when I said I just wanted to request the lower amount that I had planned to request as a secondary XXXX  underneath the first XXXX  that XXXX told me that XXXX XXXX  does not offer that option. 

So, why was my application accepted, credit ran, and why was I given weeks of tasks under the impression that it was an option? 

I asked for a copy of XXXX XXXX  's rules stating that they do not accept this and was told " that is proprietary information. '' I asked how I was supposed to know that XXXX XXXX  has different rules than the federal law if they did not discolose that or provide documentation. I received no response. 

Eventually I was connected to the XXXX, XXXX XXXX I think but I can't remember for sure. When she " looked into it '' she forwarded me the email from XXXX informing me that XXXX XXXX  does not offer secondary XXXX XXXX weeks after my application was submitted and said " see he told you, it's not an issue. '' To which I responded- yes this is when I found out - but it was not disclosed to me at the proper time. 

I did not hear back. 

To me it is the lack of disclosure, or willingness to disclose when asked that is the problem, as is the failure to remedy the situation in a professional or quick manner. Especially because their response said " because you did not call to ask us prior to your application we won't remove the inquiry .... '' How was I supposed to know to call to ask a question about something specific to XXXX XXXX? 

The cover up is worse than the crime, and XXXX XXXX  is engaging in some nefarious activity and covering it up.
Product: Credit reporting or other personal consumer reports

See Attached. Transunion has violated my rights under the FCRA by willfully being noncompliant to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) by not following procedures to follow maximum possible accuracy when preparing a consumer report. On the XXXX XXXX # XXXX, this is a charged off account meaning it is closed because the debt has been cancelled, you can see there was no adequate investigation performed. It says the last payment made is XX/XX/XXXXXXXX  but if you look at the payment history it has XX/XX/XXXXXXXX  marked as 30 days late but how can that be if in XX/XX/XXXXXXXX  the payment status was current? in XX/XX/XXXX and XX/XX/XXXXXXXX  they both say 60 days late but it's impossible to be 60 days late two months in a row. In XXXX XXXX, XXXX, and XXXX are all reporting as 30 days late but how can that be accurately reporting if it's impossible to be 30 days late for three consecutive months? Under 15 U.S. Code 1681 ( a ) ( 1 ) congress made the finding that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I've pointed out all these inaccuracies after Transunion 's Investigation yet they still reported back the account as updated and verified which goes directly against each law I have mentioned in this complaint.
Product: Checking or savings account

I Have an account with Capitol One in Maryland XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Tel No XXXX Account Number XXXX Routing number XXXX A withdrawal was done from my account. Contacted bank for more information. Bank indicated that the withdrawal funds came from XXXX. Advised bank that I only go to XXXX to search for friends not to purchase anything. In fact I did not know that you can buy goods at XXXX. Indicated bank to do an investigation. Bank refunded the funds before investigation took place. At a later Bank informed that they are taking funds again because they found that the funds came from XXXX. Bank refuses to give anymore information. I have not purchase anything In XXXX. Requested more information. Bank indicated that the charges are from XXXX no more information. I have a negative balance in my account. I changed account for another many incidents in the past that I will send a complaint after this one. If you need anymore information please to XXXX [
Product: Mortgage

Received a mailed advertisement offering a 30 year fixed rate of 1.875 % APR 2.089 on XX/XX/XXXX. I called immediately upon opening the mail, XXXX the same day. The company representative, XXXX XXXX, explained that he was with EnTrust Funding, LLC, DBA of XXXXXXXX XXXX XXXX. He asked me questions about my qualifications and took my date of birth, address, email, phone number and social security number over the phone and said he wasn't sure he could still honor that rate event though I was calling the same day I received the letter. He said he would get back to me with a quote after pulling my credit. I answered all of the questions he asked about my qualifications. When I didn't hear back from him, I called the next morning XX/XX/2021, and was told he could not offer me that rate. I asked what he could offer, and he said he couldn't help me. However, rates have not gone up more than a quarter of a percentage point over the last three weeks, yet he said he couldn't give me anything close to what was advertised, despite the fact I have a perfect mortgage credit score, perfect debt to income ratio, and over 50 % equity in my primary residence. I asked why they would mail out a rate offer that they never intended to honor and he told me " Sorry I can't tell you why, I just can't help you. '' How is this legal? A 30 year fixed rate with an APR or 2.089 at 1.875 % hasn't been available ever.
Product: Debt collection

Company stated number on caller ID was a 3rd party tracker process server. Refused to provide company name when calling, when requested, or when contacted by phone. Stated Company Name was " Global, that 's it ''. They stated they owned the dept and called XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor 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 reporting 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: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Kohls Credit Card online services keep kicking out automatic draft. They have change there website. This cause my account to have its first ( 1 ) 30 day late. I have never been late. This was not my fault. I need 30 day late on credit report remove. This is a Billing process error on Kohls side. 

Im very upset about this confusion. Please delete ... ..I already notified Kohls.
Product: Checking or savings account

Chase cashed a check that was edited with the wrong payer which can only be attributed to theft in the mail system.
Product: Checking or savings account

My name is XXXX XXXX. My email address is XXXX. My phone number is XXXX. 
On XX/XX/XXXX, my wife and I had lunch at a local Mexican restaurant in XXXX XXXX XXXX XXXX.The lunch bill was {$77.00}, paid with my debit card ( see photo ). My bank, Union Bank in XXXX XXXX, or XXXX its debit card partner, then allowed the restaurant to withdraw {$11000.00} out of my account. There was no signed receipt or contract that could have been presented to allow that withdrawal to take place. The bank records indicate it went to the restaurant ( see photo ). I have tried to get help but the bank has not been responsive, saying that because I have a business account and this was an electronic funds transfer they can not help me. They also say the merchant made the mistake - not them ( see letter ) which does not make sense because nothing couldve been presented to the bank or its business partner XXXX to allow this withdraw from my account. They say I might be successful in getting my money back through XXXX ( see letter ) but its a slow process and theres no guarantee of success. I also went to the bank and confirmed that the POS transaction limit on my card was supposed to be {$2500.00}. The bank did not call to confirm that this was a legitimate transaction of {$11000.00}, and a fraud by someone shouldve been limited to no more than {$2500.00} without a phone call to confirm the legitimacy of the transaction, as they had done in the past. To me this seems like an act of negligence by my bank, and they have not been very helpful or seem overly concerned about my predicament. I have requested documentation from the bank as allowed by Federal Regulation E showing what investigation they conducted with XXXX, where the money was transferred to, and my records show it was transferred to the restaurant. I have received no response from the bank to my emailed request. I feel am powerless in this matter, and do not get a sense that the bank is concerned at all about my loss. I have documented this transaction, and forwarded a request to the California Attorney Generals office for help but I have not gotten a notification of receipt or acknowledgment that an investigation will be undertaken by them. I imagine they have a lot of cases to investigate and I am not a priority, but I am concerned time is passing ( with all the investigation time involved ) and I dont seem to be able to get any help in this matter. It is also important for business owners, using debit cards, to not assume that their transactions are secure, or that the bank is willing to make extra effort to help them when something like this occurs. In theory one could buy a pair of sneakers with a debit card, and have the shoe store withdraw thousands of dollars from your account without seemingly presenting any type of signed authorization.
Product: Mortgage

We accepted a COVID forbearance from XXXX XXXX XXXX in XXXX. We were never told about any second step -- meaning modification. XXXX told us the amount would be put on the back end of the loan. XXXX sold our loan to Nationstar, serviced by XXXX. 

In XX/XX/XXXX, we received a loan modification proposal from RightPath, and we did not request or have any prior discussions with RightPath. When we spoke with our then-agent, he said a loan modification never was done on our loan. This was the first we heard of any type of modification. I contacted XXXXXXXX XXXX  and an agent told me that XXXX XXXX XXXX claimed they modified the loan. We told the RightPath agent we wanted to research the modification issue. Recently, we received a letter from RightPath stating we had not completed a modification and with no mention of our conversation with the agent. We subsequently received a letter from a new agent for our account. 

We are very concerned that our account was mismanaged by XXXX and that XXXX may have sent inaccurate information to Nationstar as part of the sale of our loan. We have a payoff letter from XXXX last year that included all totals. The current balance shown on potential modification documents would negate a year 's worth of payments made by us. We are specifically concerned about the possible mismanagement of COVID-related monies on behalf of XXXX. 

We need absolute clarity on the issue and tried many, many times to get straight answers from XXXX to no avail. This issue has extended to Nationstar. We are prepared to hire legal assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  sent 2 le tters requesting that the account with  XXXX   XXXX  on my report for {$590.00} be removed. I provided the credit bureaus with a letter that I received by  XXXX   XXXX  stating that on  XXXX / XXXX /   16  they requested this account be deleted. However to date the account still is being reported inaccurately. Instead of removing the account as instructed I received a response stating my dispute could not be investigated because the address I provided is not listed in my credit profile. However that is a lie. I have attached a copy of my credit report showing the address  XXXX   XXXX   XXXX   XXXX  is listed in my credit profile. This company is attempting to nagate my request and is in a violation of my rights. Under the FC RA I may be required to provide identification one being my social security number and I did that in my previous attempts. The CB 's are not government agencies therefore there is no law that requires me to provide any personal information such as medical cards, bank statements, or utilities. I will not do so the address match and this clai m must be investigated properly and efficiently.
Product: Credit card or prepaid card

I applied and got approved for a business and personal Chase XXXX XXXX Credit Card in XXXX of 2017. At the time there was a promotion that stated I would receive XXXX miles for any friends I referred. 
I referred my mother the same month and she also opened a business and personal XXXX credit card. About two weeks later after she opened her credit cards, I called Chase customer service to see if my referral points had been issued. The representative stated that it would take a few weeks before I saw them reflected on my online mileage statement. 
Months passed and I finally got around to reviewing my mileage statement earlier this month and realized 8 months after I referred my mom my mileage had yet not posted. I called Chase again and they stated that the original representative had not informed me correctly, and that in order to receive the referral, my mom had to use a special link which would then link me to the referral. I explained to her that I was not told that by the original representative and the current representative acknowledged that there were no notes on the system from the original representative advising me of the process. 
She then told me to contact XXXX to resolve the issue. I called XXXX airlines and after holding for over an hour I was informed that I needed to call Chase again because I was told incorrectly. Chase was running the promotion so they were liable for the XXXX mileage credit. 
I then called Chase again and escalated to a manager who apologize and stated he would request my mileage to be posted. A few days passed and I got another call from a Chase representative who stated that I would not be getting my referral mileage after all because my mom opened her credit cards on the same month as I did. 
I asked him where on their advertisement does it state that the referral can not open the credit card the same month as the person making the referral. The representative stated that this information was not on any of their advertisements and that legally they did not have to disclose the terms and conditions of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX 's in XXXX, Tennessee on XX/XX/2017. I tried to write a check for {$70.00}. I 've shipped at this store for years. The cashier told me my check was declined. I said there is no way. I work at the credit union the check is drawn on and there is money in that account. I 've never bounced a check in my life. I asked th cashier to run the check again and it was declined again. Another associate tried it again and still declined. I asked for the phone number and called Certegy Check Services. I spoke with a reo that said my check did n't meet the criteria but would n't tell me why. This was a huge embarrassment for me. I have excellent credit, long standing employment and lived at the same place for over 13 years. I would like an answer as to why my check was declined. It is pure discrimination and unfair. Something is very shady about that company.
Product: Student loan

I received a response from a prior complaint. However, it is not adequate.  AES  has offered options for repayment that are n't feasible. For instance, the  XXXX   XXXX  has a monthly payment of {$560.00} per month. The only option they have made available would lower the monthly payment to {$480.00} per month for a short period, then increase the plan back to {$560.00}. This is not a helpful solution, especially in the short term. Moreover, they have already offered this several times when I 've asked for assistance ; each time, I 've told them how this reduction was not going to be of any help. The  XXXX  loan is more reasonable -- I have submitted the application for a Long Term Loan Modification, and if that is approved, that 's a fantastic option and I would have no further issues with those loans. But I can not continue to pay {$1000.00} a month in private student loans -- this literally leaves zero room for error. I can not afford health insurance, I can not save for a rainy day -- I have  zero  extra income for ordinary or unanticipated expenses that  may  arise. Since I 'm current on the payments, they wo n't work with me. It seems absurd to be punished for making payments on time, and to only be eligible to work out a different arrangement if I stop making payments and destroy my credit -- as well as that of my cosigner.