23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The whole issue started from me never receiving a bill from the hospital that apparently the hospital then sent for collection. The debt collector agency keeps calling me repeatedly, when i ask them to provide a copy of the bill they refuse doing so saying that they do not have that information. The lady on the phone keeps hanging up on me when i ask her to provide information about the charges I have to pay for and she keeps raising her voice on me and starts yelling that she will send it to my credit report, she is doing all of that while yelling at me and constantly interrupting me. They also called me the first time saying that I owe one amount ( something between {$900.00} and {$1000.00} ), but sent me a notice with a different amount ( {$720.00} ), that is why I requested the copy of the bill that would explain what charges are being put on me, but she just keeps yelling and hangs up on me. The notice ( " Account Status '' ) was sent to me after I requested a copy of the bill or explanation of charges over the phone, but they sent me just simple account status with amount charged being different from what they told me over the phone. I do not know how to talk to her as she is being very aggressive while i am trying to resolve the issue. I tried talking to the agency several times but the lady ( always the same person ) just keeps harassing me.
Product: Checking or savings account

I have a checking account at Truist Bank located in XXXX XXXX XXXX MD. 
The bank is holding my money for a month now. We need this funds to pay for our staff in which my spouse is the manager of the company. Two checks were returned for insufficient funds due to Truist Bank holding my money. Truist Bank is playing games with us. My husband is now in trouble for not paying the salary of the employees. I went to the bank last week as I was upset of why they been holding the money. I spoke to the branch manager that I wanted to close my account but the bank refused to do it. I would like to file a complaint and ask to investigate why are they holding our funds. I request an immediate release and closing my account.
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts has violated my federally protected consumer rights to communication in connection with debt collection under 15 USC 1692c. 

XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1962c ( A ) ( 1 ) states ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1. ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX local time at the consumers location ; 15 U.S.C 1962c ( C ) ( 1 ) states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;
Product: Credit reporting, credit repair services, or other personal consumer reports

How Im the world can yall update my credit score with closed accounts late payments if its closed wats late on it its against the law to to do that please stop updating my account wit those accounts thats closed and fraudulent they are are fraudulent accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and more if a account is closed and fraudulent how am i continuing paying for the stuff if its close please remove these items off my credit report they are fraudulent and not mines please please remove them
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX and Equifax report, there is an error stating that I have an open account in collections and that it was " paid less than full balance '' and I paid in " full balance ''. This does not show on my XXXX report however. I contacted XXXX XXXX  and they also informed me that they contacted the merchants to have it removed. 

This is error is causing me a great deal of stress in regards to obtaining a home loan through the veterans affairs ( it showing that I have series delinquency spanning two plues years ) Equifax did not help me one bit and at this point I feel like I'm wasting my time with them. Furthermore, Equifax also has my birth year listed as XXXX when my actual birth year is XXXX.
Product: Credit card or prepaid card

Today the date of the XXXX of XX/XX/2023 I called Navy federal Bank about my credit card. The reason for the call was to get info on why they never sent me a bill to my house they stated I signed something digital I asked for a copy of that and asked for my wet signature they stated they could not produce that to me. So then I said I need my physical bill so I can pay the bill the right way with remittance they stated we are going to send you a bill out in the mail. Then I asked them do I have equity in the securities that I offered when I signed this contract for this credit card the first person that was a customer service rep stated no you dont have no equity in Navy federal. I stated thats odd and then asked to speak with a supervisior. He got on the phone stated I heard you need help with your credit card sone complications. I stated yes I have complications and stated to him do I have equity in my securities when I signed my contract he stated no you dont have any and I asked him can I talk yo someone that is higher then you maybe your trustee or your cfo can send me a letter stating I dont have any. But thats something I know they are not going to do because it kinda states it on there website which I took I screenshot to show it states equity for members. And Im a member of this bank so Im asking myself it clearly states XXXX if there stating I dont this must be security fraud on there side because they legally placed the info on there website showing that members have equity. I need help with this please they wont let me transfer that equity to my principal balance to zero out my bill that is resulting in my being late. Account is # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED. 

company is refusing to dispute or even investigate reports and using stalling tactics to avoid following the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Account # XXXX.has violated your rights. 

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

15 U.S.C 1681 Section 604 A SectionA Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Dear CFPD Complaints Department, I hope this email finds you well. I am writing to file a formal complaint against East West Bank regarding an ongoing issue with my account. I kindly request your assistance in addressing this matter and ensuring a prompt resolution. Please find below the complete content of my complaint : Since its opening, I have diligently adhered to all U.S. laws and regulatory requirements, ensuring full compliance without any violations. 

In XXXX of this year, I received an email from an individual claiming to be my account manager. They requested an explanation for specific transactions made through my East West Bank account in XXXX. Additionally, they asked me to provide statements for the associated accounts. However, no specific timeframe for my response was mentioned in their email. 

In a timely manner, I replied to the aforementioned email address, providing a detailed explanation and attaching the statements of the relevant accounts. Unfortunately, the email was automatically returned by the system, indicating that it did not conform to the custom email flow rules established by your email administrator. Consequently, I removed the attachment from my email and sent another reply, explaining the situation regarding the unsuccessful attachment. The subsequent email was successfully sent, although it did not include any attachments. 

However, on XX/XX/XXXX, I received an automated email from East West Bank 's system stating that my account is currently under consideration for cancellation. The email advised me to contact their customer service to address this matter. Subsequently, I promptly reached out to their online customer service. They explained that the automated email was triggered due to my failure to respond to my account manager 's email within the specified timeframe. They further clarified that my account has not been officially canceled but is currently restricted from trading. They assured me that once I respond to my account manager 's email, the matter will be reviewed, and the trading restriction on my account will be lifted accordingly.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts are not mine 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
Product: Student loan

On XX/XX/XXXX, I contacted Navient to inquire about why I am continuing to be charged interest on my student loans. The representative indicated that my loans with Navient did not qualify under the CARES Act because they were acting as a " collection agency '' on my loans. The loans were previously defaulted on and  were held by XXXX. In XXXX, the loans were then sold to Navient and I began receiving correspondence from Navient regarding the loans. When the loans were transferred from XXXX to Navient, there were excessive fees added to each loan that Navient is now collecting on and charging interest on these fees by deceptively adding them into the total balance. I now have loan balances that are upwards of 95 % more than the original loan amounts. I asked the Navient representative for an audit of my account and was advised that I could not receive one. Original first dates of delinquency prior to XXXX have not been acknowledged. Also, XXXX is acting as guarantor of my student loans for the Department of Education. Navient is only either " collecting '' or servicing, however Navient has not made it clear exactly which capacity it is acting under.

Subsequently, each month, my balance is doubled and interest is charged and reported to Transition, hurting my credit score although the loans are supposed to show deferred as I am currently in school. The fluctuations in the total amounts owed is causing undue hardship to me because these balance fluctuation are affecting my overall debt to income ratios, diminishing my credit scores and giving an inaccurate picture of my credit worthiness to potential creditors that I may wish to work with.
Product: Student loan

I was scammed by a company called XXXX XXXX. The company was supposed to cut my student loans in half after I was accepted into the program but instead they just switched my loans to a new provider and stole almost {$1500.00} of mine. I was told I was very lucky to have gained access to their program and I was one of the last ones to be accepted. The company employee had told me that I just needed to pay the first 5 months at a certain amount that was around {$260.00}. Then after the 5 months I would have my payments dropped to affordable payments and I would only owe half of what I had originally. I have gotten emails saying that the government is suing the company for unlawful things and I can not get ahold of the company. When I call it says the company is suspended and wont be back until who knows. I just want to get my loan right and not feel like Im getting scammed for making payments every time because thats what has already happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The loan was paid in full on XX/XX/XXXX. On XX/XX/XXXX, I received a confirmation email that the loan was paid in full. 
My account online showed the account as paid in full. 

XXXX week later BestEgg attempted to withdraw money from my account. I contacted them and was told it was an error and would stop after that attempt. 

This fund withdrawl request was repeated XXXX additional times after that. Upon checking my closed account on XX/XX/XXXX, it displayed an outstanding payment of {$XXXX} with a payoff amount of {$XXXX}. This was highly suspicious and prompted my call to BestEgg. 

They were not very helpful, initially the agent would not admit that payments were being taken. After carefully trying to explain the situation he FINALLY looked into my account and told me that it was closed and he couldn't explain why money was continuing to be taken out. 

The side effect of this action has been the inability to use my own checking account for the means it was intended for! 
I can not keep money in that account for fear BestEgg will attempt to steal it! 
I can not pay my other liabilities through autopay, and benefit from the savings doing so, and often other liabilities are paid late as a direct result of not using autopay. 

This action by BestEgg has indirectly caused me additional financial burdens, has highly inconvenienced my day to day activities and has reduced the amount of expendable income available to sustain my family. 

I was previously enrolled in a debt settlement program with XXXX XXXX, which, as an indirect result of XXXX  's actions, has been terminated due to autopayments not being available and there being no method of making a manual payment to XXXX XXXX. This has had, and XXXX continue to have, dire consequences against my current and future credit scores. 

I would like to request an investigation into XXXX  's lending practices and an audit on any accounts active or closed, to ensure fair lending practices are being adhered to. 

I fear that other customers that aren't as knowledgeable or attentive XXXX have paid far more than they should have and/or XXXX have had XXXX XXXX reductions as a result of these deceptive lending practices.
Product: Payday loan, title loan, personal loan, or advance loan

In 2020 I reached out to Navy Federal in regards to refinancing this account due to the fact that I had lost my job during the Covid-19 Pandemic. Since then, I have paid that refinanced loan on time and in full. My concern is, there still is showing late payments on this account despite me completing the terms of the agreement and being eligible under CARES Act.

The CARES Act prevents lenders from reporting late payments to credit reporting companies during theCovid-19 crisis. Not only should all late payments showing on this account be removed, but they should be updated to paid on time due to me completing the terms of the refinance. Navy Federal has failed to update this on their end and it is causing harm to my credit reputation. Please update all late payment to paid on time status.

Since they have continued to furnish inaccurate information to the credit reporting agency despite knowing the information was dispute and incorrect.
Product: Checking or savings account

Today is XX/XX/2018. Prior to XXXX Hawaii Standard Time , I made a in person deposit of several checks at Bank of Hawaii . 
After I left the bank, I noticed the deposit slip is dated for XX/XX/2018 Is this legal? 
I also get direct deposits from from XXXX  XXXX XXXX and XXXX XXXX. Both of them with hold funds availability for about 4 days before they appear in my account. 

Essentially, it floats somewhere from the time the person initiates the online transfer/payment, to the time it is credited to my account it is about 4 days later.
Product: Mortgage

Quicken Loans [ QL - Rocket Mortgage ] XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX / XXXX XXXX XXXX QL refuses to refund my {$500.00} on their failure to deliver a VA loan as promised. 

XX/XX/XXXX XXXX XXXX advised he could provide me with a VA Loan for {$280000.00} at 4.375 %, for {$1700.00} per month. I specifically quoted : On that basis, lets go ahead with an application for a Loan. 

I sent {$500.00} for Earnest funds, submitted all necessary docs, with my XXXX XXXX XXXX XXXX. 

On the phone XX/XX/XXXX XXXX acknowledged he originally began a VA Loan as I requested. However, afterwards someone else at QL changed it to a Conventional Loan.

Prior to Closing I noticed that over {$10000.00} was proposed for PMI. I notified QL and demanded the PMI be removed. QL replied that the PMI would remain because the loan was processed as a Conventional Loan, not a VA Loan. Additionally, the Loan was only for {$270000.00}, including {$10000.00} of PMI, w/pmts {$1900.00}.

I had never been told of this change so the QL caller advised he would have QL review all recordings to verify my claim and find out where QL failed to advise me, and report back to me with the findings. 

I waited 7 weeks for the review of recordings, but never recd another word from QL during that period. They were obviously embarrassed. On XX/XX/XXXX I sent a msg to XXXX inbox asking the current status of the Promised review. 

On XX/XX/XXXX I filed a complaint with the Federal Trade Commission ( # XXXX ) because no answer was forthcoming. 

On XX/XX/XXXX XXXX XXXX called ( see above earlier paragraph ) On XX/XX/XXXX XXXX XXXX acknowledged he found there had been some conversation with XXXX about a VA Loan but it was not definitive. He admitted no one had ever discussed a Conventional Loan with me, He apologized that I had not noticed until the week of the Closing. 

In my opinion, Quicken Loans does not have the customers interest in mind. They unilaterally do as they deem is best for them and ignore the facts, even when the recordings prove otherwise. 

-- -- -- -- - I've given up trying to buy the house. But since the loan was not delivered as promised, it is reasonable to get my {$500.00} deposit back. Who do I contact to make them do so?
Product: Money transfer, virtual currency, or money service

On XX/XX/19, I issued instructions and executed the forms necessary to facilitate a custodial transfer of XXXX XXXX Account monies ( {$5000.00} ) FROM : XXXX XXXX, XXXX XXXX XXXX, WI XXXX TO : a newly established account at a new banking institution of choice. ( XXXX ) XXXX has been very helpful in assisting me with the paperwork needed for this transfer and they have even joined with me in three way phone calls to XXXX XXXX trying to complete this process. 

As of today, ( XX/XX/19 ) my monies still have NOT been released to my new banking institution. 

I suspect deliberate delays, lies, and deceptive practices have become common business practice at this Webster Bank. 

I want my XXXX monies transferred now. 

Your attention is appreciated.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX I logged into my XXXX XXXX account. The day before I had {$310.00} in my account. When I checked my account on the XXXX I had a XXXX balance when I checked my transactions MoneyLion had debited my account for the entire amount that i had in my account. My due date is always on Fridays. I contacted them and the customer service Rep told me that my due date was showing the XXXX. I explained to her that they have never debited my account on a Wednesday. She told me unfortunately there was nothing they could do. I explained to her that I needed the money so I could pay my utility bill. she kept stating that there was nothing they could do to reverse the payment. I asked to speak to a supervisor and when the supervisor came on she stated that my bank showed that I was doing XXXX and XXXX and that is why they debited my account early. I asked her how are you all going to just change my due date without speaking to me and that i had not did a XXXX or XXXX in over a week because my vehicle is in the shop.I also asked why are they looking into my account like that, that is my personal business. I told her you all have put me in a bind and that they did not even get the full amount owed to them so they should have just waited to the due date. I told her since you all don't care to make their mistake right. That I will just mail the remaining balance to them because they were wrong for doing me like this and have always paid them.