23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I received an alert via XXXX  that a new collection account had been added to my file. I have a stellar credit rating and no collections. I immediately contacted the credit agency and spoke to the fraud dept. where there is a police report and affidavit on file. XXXX XXXX XXXX states I owe a debt for an account that was not authorize by me and being that all of my identifying information was stolen I have no idea how they are claiming this is my debt. The address that the account was opened is no account that has ever been associated with me. They have not sent me anything that validates the alleged and FRAUDULENT debt to be mine. These debt collectors have no integrity and clearly will lie to gain money.. the fact that all the credit agencies have the police report on file and the affidavit this should have been removed within 72 business hours or less upon them being notified this was FRAUD. instead they have continued to allow this to create a hardship. During these unprecedented times there should be a willingness to adhere to the fair credit reporting act in addition to the information they have on file which after my research covers the FRAUDULENT ACCOUNT. i have also filed a report on said company with the CFPB. XXXX
Product: Money transfer, virtual currency, or money service

Date of problem : XX/XX/2019 Total amount in dispute : {$3500.00} Company in dispute : Square ( Cash App ) Problem : I had my income tax deposited to my cash app and after a few totally legal transactions, my cash app wouldn't allow me to withdraw, add, and receive money. A year later, and my money is still stuck on my cash app. I'm a single mother with XXXX kids, I tried everything. I tried contacting them, to no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  : This is a credit card that I once had, closed the account and paid the balance, yet the creditor continues to report misinformation about the account to the credit bureau 's and significantly impacts my score each time. Anywhere for XXXX XXXX  this has been happening after disputes. I believe the creditor is maliciously targeting my credit and there's not much I can do other than dispute. 

CAPITAL ONE-ALL : This is a credit card that I once had, closed the account and paid the balance, yet the creditor continues to report misinformation about the account to the credit bureau 's and significantly impacts my score each time. This creditor broke my final payment so that they could report negatively on my credit report, and reporting an incorrect balance and close date. 

XXXX XXXX XXXX : I have two closed accounts with this creditor, in which, in dispute I requested that they remove the negative ratings on the closed accounts, especially since I continue to have a unsecured loan with the creditor. This negative association impacts my creditworthiness but the same creditor can issue new loans to me. The negative rating is associated with the creditor having an open payment status but both loans were paid early and closed. 

XXXX XXXX XXXX  : This creditor is reporting an incorrect, unverified, sold collection and despite disputing will not remove. 

XXXX XXXX XXXX XXXX This creditor is reporting an incorrect, unverified, sold collection and despite disputing has not responded within the thirty day timeframe.
Product: Vehicle loan or lease

The main problem stems from being unable to log in. I have been asking for paper statements for nearly four years and have been denied. I have spent days on the phone with their customer service only to be told that they can not help. All I have ever sked for was my loan statements. Ally Bank or Finance refuses to send me even a single copy. 
They keep telling me that I have to log in to get that information. I can not log in including while their customer service is on the phone trying to help. Their system doesn't work it's that simple. 

Also they charged me an extra {$3000.00} for insurance that only covers if the car is stolen. This I believe is consumer fraud. My Full coverage insurance auto covers theft, initially they claim there's is for engine failure or other major problem not covered by normal auto insurance. 
I called their insurance company and was told that it only covers if the vehicle is stolen. so there is no actual insurance that they charge {$3000.00} for. That is a {$3000.00} plus finance charges, a completely fraudulent charge they add to the cost of the vehicle during the initial loan processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my Experian account to unlock my credit freeze. I have called several times and can not access a live person to help. They keep sending me back to the website- which can not locate my user name. I have tried calling corporate office too but that phone directs you back to the XXXX number. I'm obviously frustrated as I can not manage me credit freeze. I have pending apartment unit waiting on my credit check...
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

US Bank Debit Card funds ( {$23.00} and {$32.00} ) were withdrawn by US Bank on Monday, XX/XX/XXXX by immediate electronic transfer to XXXX. Saturday, XX/XX/XXXX XXXX refunded these withdraws {$23.00} transaction id XXXX and {$32.00} transaction id XXXX. Monday, XX/XX/XXXX, US Bank debit card account did not reflect refunded transactions on my debit card account. Monday, XX/XX/XXXX, I called US Bank to be it is their policy to hold refunds for 15 days. I asked to speak with a supervisor who was obstinate refusing to even confirm for me that the US Bank had indeed received transactions cited above from XXXX. Tuesday, XX/XX/XXXX, I called XXXX Customer Service requesting email confirmation of transactions. XXXX issued at XXXX XXXX email confirming refund transactions cited above. Wednesday, XX/XX/XXXX XXXX XXXX USBank did not reflect refunds on my USBank Debit card. At XXXXXXXX XXXX I returned call to US Bank to speak with their Customer Service Supervisor speaking for 1 hour, 3 min, 27 seconds regarding this situation. US Bank Customer Service AND that person 's Supervisor refused to even confirm, again that these refunds even were received. Both stood firm they hold refunds for 15 days. In my nearly 2 years with US Bank debit card, refunded monies from XXXX were ALWAYS refunded to my debit card. I pleaded with US bank that I am a senior on social security income, fixed income and need funds refunded me made available to buy medication, food. I asked " why '' XXXX transaction was IMMEDIATELY electronically withdrawn from my US Bank Debit Card but that refunded XXXX transactions are being HELD from my use. I was told by both US Bank Customer Service agent and supervisor no more than that is their right to do. This is, in my opinion, unconscionable for any bank 's debit card monies be withheld from the customer 's right to use when transactions of refunded monies to US Bank were issued by XXXX 4 days prior. As of this writing, Monday, XX/XX/XXXX XXXX XXXX, US Bank " continues '' to hold monies refunded to me. US Bank debit card Customers deserve honesty, a dedicated intent to resolve monetary matters as well as accountability with consistent banking actions. I file this complaint as holding anyone 's money for 1/2 month is damaging to me and all citizens relying on fixed ( social security ) income. US Bank is holding my direly needed refund from XXXX with no answer why other than it is their right to do. Respectfully Submitted, XXXX XXXX XXXX, XXXX.
Product: Mortgage

Beginning in XXXX, we recognized an issue with our retirement income and medical bills and realized it would affect our ability to pay our mortgage serviced by SPS. We immediately reached out and were initially told that since we were not behind in payments, no modifications were available. Once we were a month behind, we began to send in required documents to see what we qualified for. This had to be done several times. After several months we were told we could still not get a modification as they did not offer those. Instead, a repayment plan at a different monthly rate of double our mortgage payment was offered. We were told that if we did not sign the repayment plan that foreclosure would immediately commence. We were able to borrow the money to catch up and were initially told that we still needed to sign the repayment plan. We did not as that was no longer applicable. We tried immediately to work with servicer to prevent this issue from reoccuring and were once again told that since we were not presently behind, nothing could be done. Beginning in XXXX, I reached out again for a modification. Submitted documents. Was again told that modifications are not available and to pay past due or foreclosure proceedings would begin XX/XX/2023. I was informed of an SPS webinar that I should register for. I registered and attended the webinar on XX/XX/2023. It was regarding a XXXX XXXX settlement and options for home retention. The webinar essentially told the attendees to call customer service. Questions were allowed to be typed in and I asked if modifications were available. I was told to call customer service. I have made clear to SPS that I wish to keep my home of 50 years and have tried diligently to take a proactive approach. SPS 's response has been vague at best. When I am current, there is no help available. When I am behind I am told to immediately repay the amount or double my payment. I have established retirement income and have made the attempt to simply communicate with the servicer in a way that is beneficial to both parties. The information I am given is either non-existent, non-applicable, or misleading. I simply wish to speak with the servicer about a modification that they state in every document is available and instead of having me submit the same documentation three times and then tell me they do not offer modifications, to constructively attempt to offer something they say they offer.
Product: Mortgage

Since Essex Mortgage was moved to a new servicer, I continue to have issues with them. 
They will not honor my deferment placed by the previous loan servicer. They continue to drag their feet, saying they will be sending me loan modification paperwork, which I have been hearing about for over a month. In the beginning, they would not honor my trial payments, and I then took action to get this resolved. 

Previously, on XXXX XXXX, I was told via email ( and two phone calls with department heads in the loss mitigation department ) that I could continue to pay {$1200.00} every month moving forward, which was the previous trial payment amount as agreed upon with the old servicer.

My monthly statements include an unapplied payment because my payment isn't the in the full amount. However, I never had any issues with this with the past servicer. My payments were recognized as full payments, again, because that was the amount agreed upon. The monthly payment I have been making has been sitting in suspense ( see attached documents. ) I called to inquire why this was occurring, and I was told I owe {$1200.00} each month, not {$1200.00} -- which is a surprise to me. Why was I told I can make a payment of {$1200.00} by several people if that wasn't the case this entire time?

I did NOT approve the payment amount changed. I never asked for it to be changed, and I never signed any paperwork that said this amount would be changing. I was told via email I could continue making the trial payments of {$1200.00}, but then I received another email today saying I owe $ 1268 monthly and $ XXXX to pay off the loan amount. This is not applicable to me -- I have an FHA loan, and when forbearance ends, I do NOT owe this lump sum back. They continue to send me letters saying I owe this amount of $ XXXX by XXXX. I should not have to fill out more loan modification paperwork to get this resolved -- they should have the documents provided by the previous servicer. 

Unless I receive otherwise in writing, I am going to continue making the payment of {$1200.00} each month. This confusion should not be happening. I never had a problem until the servicer switched. I would like some clarity on what is actually owed monthly. I would like my deferment terms honored. I will continue to report them until this is resolved. I should not be dealing with this as a first time home buyer who has worked hard to get back on track after XXXX months of unemployment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information that your company, Department of Education Nelnet ( DEPTEDNELNET ) student loan, is still reporting to my XXXX Credit Report does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX, XXXX  XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating officer that this matter would be handled by one of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. DEPTEDNELNET student loan, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to XXXX. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. 

Fraudulent Negative Accounts : DEPTEDNELNET 9 late payments {$0.00} Closed Account info Account name : DEPTEDNELNET Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Account status : Closed Payment status : Paid or paying as agreed Status updated : XX/XX/XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX Original amount : {$20000.00} Past due amount : {$0.00} Terms120 Months ResponsibilityIndividual account
Product: Credit reporting or other personal consumer reports

They refuse to delete the incorrect information on my XXXX XXXX Card from XX/XX/22 under Status : Paid, Closed {$430.00} Written off. Yes Ive called XXXX XXXX also and send them the same paperwork and nobody wants to fix this let alone delete it of my account since the information is false and reported incorrectly. And pursuant to the law this should be deleted of my credit report entirely. 

This is a lie, I paid the account in Full and Closed the account myself. I have sent proof to both Experian and to XXXX XXXX and they both refuse to do what they are legally obligated by law to do pursuant to 15 USC 1681.

The information listed is false and inaccurate and is effecting my credit negatively, I have sent proof repeatedly regarding this issue. Without a resolution? What do I do to get someone to do what the law says they're supposed to do when the information is incorrect and false?

DO I need to hire an attorney and sue them both for Defamation since neither party wants to fix the problem correctly by deleting it since the information is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting 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 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 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 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 


UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C XXXX section XXXX A. States I have the right to privacy.

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 card

XXXX overcharged me XXXX. Upon refuting the charge, I okay 'd my usual {$7.00} monthly charge instead thinking it was quickly corrected. Quicksilver [ CapitalOne ] fronted the overage amount of {$17.00} while contacting XXXX agreed that they overcharged and refunded {$17.00}. Instead of the card company applying this amount to the front {$17.00}, they kept that amount for their fronted amount and then a month later charged me {$17.00}. I contacted XXXX to see if they could pull their {$17.00} back so my card company would refund me but they say they don't do that. I contacted my credit card company requesting that they refund me and they won't do it. HELP!
Product: Mortgage

Since the start of the loan our payments have been all over the map. Some {$650.00} and some {$1300.00}. The final truth in lending presented that helped make the decision to get the loan offered a set amount finance charges being broke into a set number of payments each for specific dollar amount. 24 payments of XXXX. 335 payments of XXXX and 1 payment of XXXX. It was not marked as being an adjustable interest rate. This was a refinance loan. The lender paid a total of {$80000.00} which included the closing cost and broker fee of XXXX. The first statement we received in the mail said balance of {$95000.00}!!!! And it came 21 days after closing so we could not cancel the transaction.. The copy we have it is not marked adjustable. We have our taxes and insurance being paid from an escrow account controlled by the servicer which is included in our payments every month. We received a notice saying they had audited our escrow account and it had a shortage even though they determined how much was needed monthly. None the less we made the higher payments as requested to cover the shortage. Our insurance was XXXX anually and taxes XXXX anually. So when after paying XXXX  monthly for a year and being told again there was a shortage which would require over XXXX to be placed in escrow resulting in $ XXXX balance in escrow account .and being told that what was supposed to be 5.5 interest rate now being 9.65 % our payments skyrocketed. Repeatedly i asked how there was a shortage. Never given an explanation which made sense. And when asked why our interest rate changed they said thats what we signed in agreement to. This has been a nightmare.The abuse we have suffered at the hands of various servicers is unbearable. PHH being the most recent. After ocwen ran us into the ground one final time by randomly charging XXXX for title search on top of our payment then phh took over. We are at their mercy. Companies involved are XXXX  XXXX  ( broker ) Option One ( lender ) XXXX XXXX XXXX ( trustee even though it was not a trust deed and there was no trustee named ) XXXX XXXX XXXX XXXX, Ocwen and PHH XXXX XXXX
Product: Checking or savings account

Regions Bank - XXXX  XXXX Branch XX/XX/2019 I submitted personally a Revocation of POA - POA Agent 's name and information removed from my bank account and bank account access - To reflect the only person left on the account was my name only. 
XXXX Regions Bank- XXXX Branch XXXX XXXX XXXX- allowed the revocated POA- add herself BACK to my account without any notice to me and without my permission. Regions Bank provided an affidavit of Continued Validity to the revocated POA Agent- Which she signed swearing under oath of the continued validity of the POA. 
XXXX Regions Bank XXXX XXXX Branch- XXXX was withdrawn from my account - XXXX Regions Bank - XXXX  XXXX began the investigation on handling this matter and working on getting to the bottom of what happened and what needed to be done moving forward. The Legal Department was contacted and advised the branch on what to tell me - the consumer - this took several weeks. 

XXXX Letter from my home branch, Regions XXXX  XXXX Branch of the details found in the investigation of what transpired and why- I was informed that I would have to file a police report against the POA-Agent - and it was up to me to get money back from the person I had already removed from my account as well as legal Revocation of POA -submitted to the bank as well in XX/XX/XXXX, XXXX This is a violation on Regions Bank for not doing their job protecting my account, allowing an unauthorized agent to be added BACK to my account without my permission or any notification to verify these changes to my account. 

I have filed a police report and have submitted this back to Regions Bank- It is my understanding Regions should be at fault- the XXXX should be reimbursed into my account-and Regions should be filing report against the Fraudulent activity of the Revocated POA and the Regions - XXXX XXXX XXXX Branch employee for allowing this person back onto my account - Please let me know what I need to submit along with this since you request not to submit personal information