23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Upon signing the contract XXXX I indorsed the contract without recourse, I also sent a payment instructions with the contract stating I would be using the principal 's security interest to cover all debts owed on this contract as the principal is owed interest. on XX/XX/XXXX I returned the first interest check to XXXX XXXX FOURSIGHT CAPITAL LLC XXXX XXXX mail. payment due date XXXX. On XX/XX/XXXX, and the XXXX I received phone calls from their debt collections dept. I explained the process having no results, filing a complaint in my opinion is the best cause of action. I know the vehicle was paid for twice, XXXX time by way of the credit application then again by way of the contract. I have also sent XXXX XXXX XXXX, FOURSIGHT CAPITAL LLC several communications,1st attempt revoking my consent to allow FOURSIGHT CAPITAL LLC rights to the principal 's security interest stating my claim to the principal 's security interest and to use this interest to cover all debts owed on this contract, agreeing to return the bill of exchange to reimburse the account monthly. Second attempt sending the first bill of exchange with a second notice of claim to the principal 's security interest with tender of payment and payment orders, advising them to transfer the principal 's security interest to the principals account for set-off to a XXXX balance, sent certified mail on XX/XX/year>, return receipt requested. my instructions have been ignored. The principal 's security interest has not been transferred to set off the principals account to a XXXX balance as ordered by the consumer. I was instructed today XXXX that the vehicle could possibly be repossessed if I did not comply. as the consumer understands the law any over performance would be considered an overpayment by way of sending the bank additional funds. I would like FOURSIGHT CAPITAL LLC to follow the law and transfer the principal 's security interest to the principals account monthly as instructed by the consumer monthly for account set-off.as described in the Bill of Exchange act. As I stated above this Vehicle has been paid in full according to the Federal Reserve Act sec.16 and 18 USC 8. The Consumer 's job is to perform by way of the Bill of Exchange which I fully intend on doing.
Product: Credit card or prepaid card

XX/XX/2021 : Three transactions of {$50.00} a piece from my XXXX XXXX account to my Bluebird AMEX account, not done by me. AMEX suspended my account and I can not even get in contact with anyone.
Product: Debt collection

XXXX XXXX XXXX left a voice mail on my phone saying if I didn’t call back and make myself available at certain times so that they could come serve me, they would come to my work and serve me. I called them back and they told me if I didn’t pay them $XXXX right that second for an old Wells Fargo credit card, I would be sued, taken to court, would have to pay more than the $XXXX plus court costs, etc. Basically they told me they were going to destroy my reputation and destroy my image and never leave me alone. I was crying and scared and freaked out. Now, I feel like I’ve been scammed and ripped off for $XXXX
Product: Debt collection

I am receiving debt collection emails from this company in which i did not sign a contract with. I would like any and all collection efforts to stop and engage a cease and desist from this day forward. According to15 USC 1692 are you familiar with that law? You obtained my information illegally which is a direct violation of my rights. I have not signed a contract with you guys or XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX BALANCE {$77.00} Account Name : XXXX XXXX XXXX XXXX XXXX - BALANCE {$74.00} Account Name : XXXX XXXX XXXX XXXX XXXX - BALANCE {$100.00} Account Name : XXXX XXXX XXXX XXXX XXXX BALANCE {$86.00} Account Name : XXXX XXXX XXXXXXXX XXXX XXXX - BALANCE {$86.00} Account Name : XXXX XXXX XXXX XXXX XXXX BALANCE {$910.00} Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

We were granted a loan modification in XX/XX/XXXX. We signed the documents on XX/XX/XXXX. We were told the modification was recorded in XX/XX/XXXX, over one month ago. The modification has still not been 'updated ' in Flagstar 's system. We are constantly told they are working on it with no further updates.

We asked for a payoff request from Flagstar. The payoff statement we received reflects our prior mortgage and not our current one. Flagstar refuses to correct it. They said we have to wait until their system updates. We can not wait any longer but they will do nothing to help us. They want us to do a mortgage payoff with an incorrect payoff statement that is asking for {$70000.00} more than what is actually owed. This would be a fraudulent payment. With how much difficulty we have had, I am sure we would have even more trouble getting back our money if we overpay. Flagstar has given us no other choice but to overpay them by {$70000.00} because of their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraudulent charges on a XXXX  credit card that I disputed with XXXX and they verbally agreed to reverse and then I closed the account because I had been trying to close unused cards I'd opened in the past in general, which they verbally said was no big deal. We had already paid for the charges with our autopay and so we also initiated a reverse of the charge from our banks side. 

Despite the verbal assurance from XXXX that the fraudulent charges were reversed, that wasn't true and I found out later that the autopay reversal we initiated triggered something internally for them. 

This is all over {$92.00}. Which I ended up paying, even though they are fraudulent, just because I have XXXX XXXX  kids and don't have the bandwidth to track something like this. 

Fast forward a few weeks and we are buying a new car and I get denied for one of the lenders because of {$92.00} THAT I ALREADY PAID EVEN THOUGH IT WAS FRAUDULENT. 

And I'm here now submitting this complaint because I disputed with all XXXX credit agencies and my disputes have been denied. 

I paid the {$92.00}!!! And now my score is XXXX for the first time since college probably for this stupidity. 

I will take XXXX to court if I can because this incenses me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dispute resolution process, along with fraud and deceptive unethical practices, has caused me to lose my new construction home. My credit fell XXXX points and then Transunion and XXXX  dismissed legitimate pleas for assistance and consumer protection. 
Transunion verified the collection as legit ; despite the mountain of evidence I have submitted to collaborate my claim. I do not owe any money whatsoever, and XXXX XXXX XXXX along with XXXX XXXX XXXX are committing egregious acts against consumers and NO ONE is doing anything for the victims. 

XXXX, Transunion, and XXXX  MUST KNOW what is going on with these companies and I have proved that I owe nothing for the XXXXXXXX XXXX. 

I believe that I am owed damages for my misaligned teeth and bite problems perpetrated by these plastic things which aren't even a real product, gives no results, and caused harm to me. I even joined a class action against XXXX XXXX. 

I have literally been XXXXXXXX XXXX XXXX XXXX XXXX out of a home and a dream by this injustice!!!!! And I can't get anyone to listen or rectify a single thing!!!!!! 

All of these companies, along with the CSR 's should be ashamed of themselves. They should tell my children why the system is so backwards, that we lost our home over some XXXXXXXX XXXX that was illegally financed and damaging not only to my mouth, but to MY LIFE!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Midland credit management has started attempting to contact me again regarding an old debt that I disputed the validity of. I asked them to send all communication in writing and now they are calling me from various phone numbers throughout the day.
Product: Debt collection

On XX/XX/XXXX at about XXXX XXXX, I received a call from XXXX advising me that I owed on an account from XXXX XXXX in XXXX. I told the caller that I had no knowledge of the account so they transferred me to someone else who was very rude. When I advised them that I knew nothing about the account the caller got very hostile and started telling me that I lived at XXXX XXXX which I never did. The caller then told me that he looked on my credit report and seen that I lived at XXXX XXXX which I never did. The caller never wanted to give me any specifics of the account like an account number or a balance on the account and told me that he doesnt have time to be playing around with me that he was taking me to court and placing a judgement on me. I tried calling the number back for more information about them and they will not answer the phone from my number. They have information from my credit report and my social security number.
Product: Debt collection

This certifies my written request to return this allege debt back to the original creditor due to the alleged debt being involved in fraud and identity theft of funds. XXXX XXXX XXXX has failed to honor legal notices of FTC identity theft affidavits sent to them. Including police reports. Stating the dates are not in the time it occurred. The XXXX  police department instructed me to gather all identity theft related into one case. Which took me over a year to gather all the information for the investigation and the police department then generated a police report. That is the reason the report is over a year later. XXXX XXXX community college financial department has not only violated the law but willingly keep seeking debt on a debt occurred by fraud and identity theft of funds. This alleged debt should have been resolved directly due to fraud and balances removed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the Bankruptcy with Transnion and XXXX due to it showing on my credit report and they still refuse to remove. I went to the Bankruptcy court here in XXXX to inquire like I was informed from these company. The clerk provided a letter that they don't verify with credit bureaus or third parties and also I have attached a copy with this case from the courts. So if these companies are reporting this false information and the courts advised that they don't provide any information to credit agencies then how did they receive this inaccurate incorrect information. Per reading over the report it stated I filed jointly per the credit report, with whom. it doesn't list the person name and it coule be someone with a simiar name. Also the courts verified that the information on my drivers license and mail that I provide to them doesn't match anything in there systems. I have sent this information to both credit bureau and they refuse to remove it. I have no accts on my credit report showing under Bk, that would be the whole purpose of filing BK is to include debt, in which I don't have any unpaid debts. Also they never sent me the original court papers that I signed and I have requested it from Transunion and XXXX several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARD TO : EXPERIAN XXXX. XXXX XXXX XXXX TEXAS XXXX I HAVE SENT CERTIFIED LETTERS DETAILING AND OUTLINING I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED AS WELL AS FORGERY IN MY NAME I HAVE SENT IN ALL SUPPORTING DOCUMENTATION AND ACCORDING TO THE FCRA EXPERIAN HAS VIOLATED MY CONSUMER RIGHTS AND I'M HIGHLY UPSET. 
THE WRONG FRAUDULENT NAMES LISTED ON MY CREDIT REPORT ALONG WITH THE WRONG FRAUDULENT ADDRESS LISTED HAS CAUSED ME FINAINACIAL HARDSHIP.
Product: Debt collection

XXXX Rent Recovery I contacted the company and spoke with a XXXX and she was not accurate with her information. She said the information was valid and I ask her if the debt is collected will it stop reporting to my credit bureau. She informed me that they will keep reporting to the credit bureau. I proceeding to ask her if the debt is settled why is it still reporting to the bureaus. She proceeded to get nasty and unprofessional and kept asking for the debt to be collected. This my second complaint against this company the business practices are very unprofessional and information is always misconstrued.
Product: Mortgage

SInce XX/XX/XXXX we have been working on getting put into review for loss mitigation. This is our second time filing a complaint as nothing was resolved the first time. We filed the first complain ont XX/XX/XXXX. Bank of America only followed up twice on XX/XX/XXXX & XX/XX/XXXX and took a month to get an answer after that and the answer was still no. The reason we are being denied getting put into review for XXXX XXXX XXXX Bank of America wants the borrower 's son who is listed as a co-borrower to sign some documents. Here is where lies the root of the problem as the borrower 's son filed a quitclaim deed on XX/XX/XXXX right after filing bankruptcy to dissolve any personal responsibility from loan and dissapeared. The borrower has not been able to get in touch with her son as she has no idea where he is. Yet, Bank of America persists that they will not go through a review for loss mitigation unless the son is able to sign certain loss mitigation documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB XXXX closed this account without resolving this with Equifax. Equifax is NOT releasing me from this account even though it has been resolved and closed, with a XXXX balance. I would like your help on how can this matter that has been resolved be active. The following agencies, XXXX and XXXX, have updated the information correctly with a XXXX balance, and they are not defaming my credit, only Equifax. This doesn't seem to be good on credit, and I am asking you to do the right thing, so the information is cleared with a XXXX balance.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I transferred a total of {$570.00} from my bank account into my newly created " Coinbase '' account. " Coinbase '' is a platform used to buy bitcoin / crypto   currency. Weeks after my investment, " Coinbase '' shrunk my account down from {$570.00} to just {$300.00}. In other words, roughly {$270.00} went missing / has been stolen. After many attempts trying to gain clarity, " Coinbase '' stated this had happened because my bank account had insufficient funds the date of the transaction. However, after contacting my banking institution, they found the funds to be sufficient at the time of the tranfer, debunking the false claim made by " Coinbase. '' Long story short I have been robbed and something needs to be done about it. Case # XXXX Coinbase.com XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/2022 for 2 fraudulent accounts reporting on my credit file. It has been well over 30 days and there has been no result of the dispute submitted. This is a violation of my rights under the FCRA. The following accounts need to be removed from my credit file. 

Navy Federal Credit Union XXXX XXXX I have attached a copy of the dispute submitted for your viewing
Product: Credit card or prepaid card

X/XX/2018 cabelas XXXX credit card changed the policy that we agreed to pay without a op out option, we never received a notification in the mail, they changed the way they calculate the minimum payment and our payment increased {$100.00} above what we agreed to normally pay in our policy agreement, I talked to the company and they said too bad.
Product: Prepaid card

Rushard has denied me access to my active account. I have in the account nearly $ 200.00+ a refund from a department store of {$36.00} that bever posted. I have called, emailed and posted via social media several times. I 've even spoken to someone and was told my issue is on the radar and being escalated. Rush has made several promises to call me back with a day or hour. The phone lines are down. I have been borrowing money for gas to get to work and to feed my kids until I can make it to another payday. As a single mother of XXXX this has a been a strain on me. Please help, what rush card is doing is morally wrong.
Product: Student loan

My Chase Private Student loan fell delinquent in 2011 due to unemployment. I called numerous times to resolve the delinquency and apply for forbearance, but was told there was nothing that could be done. A few months later, it fell into collections and was charged off. I have called many times to see if payment arrangements can be made, but they are demanding the balance in full. I am in the process of buying a home, and can not pay the balance in full, but would like to begin paying on this loan. I need assistance dealing with the collector.
Product: Student loan

Issues 1 ) Lender XXXX XXXX  was not truthful about how payments would be structured. I was told I would have one loan approval for 4 years that I could take disbursements of and pay as I go. The fact was each disbursement was a new loan with a new payment making me have 3 different loans and 3 different payments which was unmanageable. Due to this, we did a refinance to pay off loans and go with a better student loan lender. 

2 ) Servicer First Mark lost one of the payoff checks for over {$8000.00} and refused to provide a direct contact to work with to find my money. They say their accounting department does not have phones? It took multiple calls and contacting the mortgage company to prove the check had been cashed to resolve the issue. 

3 ) I have an over {$1400.00} overpayment due to me that they can not tell me where it is. I have requested to know to whom, and where the payment was sent. Again, they will not provide a direct contact to address the issue of my missing money. After the 3rd call and third request for records and 3rd time I have been told my account has been " noted '' I was told they check was mailed to XXXX XXXX lending but still no address, or info if the check has been cashed as I have requested. Again I am not given a direct contact, they say they will call back and never do so I must recall the main number and get a new person each time. XXXX XXXX has not receivd the check and needs to know the address it was mailed to and first mark refused to provide this information. Mean while I am left with MY {$1400.00} just missing as this is my money and should have been mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a credit limit of {$2500.00} -This is not my account.
Product: Mortgage

Lender : Webster Bank in Connecticut ( XXXX, their public number ) On XX/XX/XXXX, I was charged a late fee of {$46.00} for a required payment of {$29.00} that was due on XX/XX/XXXX. 

I feel that this action by the Bank is unfair and deceptive. 

I asked the bank to kindly waive the fee. They refused. 

This is a variable loan, so I have been making a recurring payment of {$900.00} for the past several months, an amount that exceeded the minimum payment amount. The loan repriced in XXXX, which I wasn't tracking. 

As a result, the {$900.00} that the Bank received on XX/XX/XXXX was {$29.00} short of the minimum amount due. Immediately upon receipt of banks past due notice on XX/XX/XXXX, I called the Bank and brought the account current that day with a transfer of {$29.00} from the linked DDA account at the Bank. 

The late fee of {$46.00} is 5 % of the minimum amount owed which was {$920.00}. 

I feel the Bank 's charge is unfair, at I think it is unfair to charge {$46.00} on a short-payment of {$29.00}. As I brought the loan current on XX/XX/XXXX, I believe this amounts to a 5700 % interest rate on the amount owed of {$29.00}. I think a reasonable person would regard this practice as unfair. 

I think it is deceptive, because a condition of the loan is that I am required to maintain a linked non-interest bearing checking account and grant to the Bank a right of offset for the outstanding payment on the load. The linked checking account had a balance exceeding the {$29.00} that was owed. 

I think it's deceptive to require a linked checking account, ask for a right of offset, and then choose to charge a late fee of {$46.00} when the only reason to require the right of offset is to make the transfer from the DDA when required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to Transunion was dated XX/XX/2023 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX