23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Bank of America, As a longtime established customer with Bank of America, I wanted to kindly ask you to remove the interest fees incurred on my account for the months of XXXX, XXXX, and XXXX. I honestly made a mistake and was under the impression that my account was set to auto pay the full amount of the prior statement, and thus incurred a lot of interest fees inadvertently. In addition, when I discovered this issue, I made a full payment in XX/XX/XXXX and I was expecting that I would have zero fees in XXXX. However, it appears my payment posted on XX/XX/XXXX instead of XX/XX/XXXX which caused again that I had incurred again interest in the month of XXXX. The total interest incurred was In XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please as curtsey to our long standing business and the fact that XXXX should have been no fees, please please kindly remove all these interest fees or at least a considerable portion of it. thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for the timeshare company XXXX XXXX XXXX. We spoke with XXXX XXXX who claimed he's a realtor & manager XXXX XXXX, both claimed to not work on commission. They said we were making a good financial investment especially for our kids. They told us that the purchase will have some tax benefits, similar to owning a second home. We were promised gifts of 3-day vacation, {$100.00} slot machine, $ XXXX-dining. We were also pressured to do an upgrade by telling us that it's the last chance to upgrade at the lowest price. They had us open a credit card, and they are the ones who signed the application for me. They never gave us enough time to read the contract and we were never made aware of the fees. They promised us that after we pay the loan, we won't be paying maintenance fees anymore. They also made us believe that we would make money from the timeshare. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. I called the following week and spoke to someone named XXXX from XXXX to cancel but obviously it was never cancelled. We experienced financial difficulties due to this timeshare, we couldn't buy groceries at some point & we even have to take a loan to pay for the credit card. At our age, we already have some medical conditions & having this timeshare is causing us being unable to sleep because of the stress we get. Everytime things got worse in dealing with them, they kept promising things would be positively different but it never gotten any better. I had the worst experience with this timeshare, all the lies XXXX and everyone else told us during the buying process, we felt we have been taken advantage of for commission, we can't believe the lies were legal or that they were even allowed to lie to people in order to get them. We were simply defrauded, this is a scam.
Product: Mortgage

In XXXX, Shellpoint Mortgage Servicing ( newrez ) was responsible for servicing my mortgage and associated escrow account. As part of my escrow, they were responsible for paying my property taxes, but failed to pay my taxes by the due date of XX/XX/XXXX. As a result of the late payment, I was charged a {$200.00} penalty as well as {$90.00} in interest. 
I became aware of the late payment and charges when I received a statement from the county in XX/XX/XXXX. I called and spoke with the county tax office and they confirmed that both the penalty and interest were the result of non-payment by Shellpoint. I subsequently called Shellpoint on XX/XX/XXXX, specifically mentioned the penalty and interest, and was told that these would be covered by Shellpoint since it was their error. I also sent in a copy of the county tax statement through their website at the request of the representative on the same day. Shellpoint finally paid the property tax on XX/XX/XXXX. They also payed the {$200.00} penalty, but failed to pay the {$90.00} interest. I again called on XX/XX/XXXX and was asked to submit the county statement and a description of the circumstances via email, which I did on the same day. On XX/XX/XXXX, I received a response later stating that they paid the property tax and tax penalty, but make no mention of the interest, which was the sole subject of my recent call and written inquiry. 
Having performed due diligence and given the company several opportunities to remedy the situation without appropriate response, I am hoping the CFPB can help settle this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - Account # XXXX, has violated my rights. 


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

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

Rent Recovery Solutions are working on behalf of XXXX XXXX apartments located in XXXX SC. The apartment complex employees entered the apartment illegally and before an eviction was issued, while also stealing XXXX of dollars worth of personal items. Including titles to vehicles. They used a cleaning company named XXXXXXXX XXXX XXXX XXXX. Quite fitting actually. We came home to a ransacked apartment and did not receive an eviction noticed until 5 days later. The amounts being asked for are far off from what was owed. Roughly about {$1600.00} vs what they claim to be almost {$4000.00}. The apartment complex goes through management employees like no ones business, and this isnt the first time this has happened, just take a look at the XXXX reviews. Trash always over flowing, sketchy water systems, and infested with bugs and fleas.
Product: Credit reporting or other personal consumer reports

contacted Transunion via phone and told them about inquiries that are on my report that i did not authorize. Was instructed to mail in a letter disputing these so they can be removed. Even after submitting letters twice via certified mail # XXXX they still remain and company refuses to remove these items i did not give permission for nor give consent for these to appear on my cunsumer report. 

XXXX XXXX XXXX XXXX ON XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 I have also written them dispute letters for company XXXX and asked that they removed XXXX XXXX XXXXXXXX via certified mail XXXX XXXX from my consumer report and provide the documents with wet signature the company provided they with to even place this on my consumer report and it still remains nor have they provided any original documents pertaining to the alleged debt. 

Transunion has had well over 60 days the delete these and have yet to comply. I demand these be removed as they are not mines and the company has not provided proof with orginal contract with wet signatures to prove otherwise.
Product: Credit card or prepaid card

I received a Vanilla Gift Card for {$300.00}. I did not use the card until on vacation in XXXX. I used very little of the balance and still have the card in my possession. 

In XXXX, I checked the balance of the card to determine the remaining balance prior to using it again. 

I found that 3 unauthorized transactions occurred on XX/XX/XXXX. All three were paypal transactions. 

I called the 800 # on the back of the card and notified the company of the unauthorized transactions. They emailed me a claim form on XX/XX/XXXX, which I completed and returned by mail. 

I called around 30 days later and they claimed to have not received my forms. I received another email and returned via email on XX/XX/XXXX 

Vanilla Card declined my claim stating it was outside the 60 days allowed. As a gift card, I do not receive periodic statements alerting me to activity on the account. 

I responded several times since then, quoting their own terms and conditions, which state that if a claim is filed outside of the 60 days, they can deny the claim if I was negligent. 

Since I am in possession of the Card. I am not negligent. I did not authorize or perform those transactions.

Vanilla Card is bound by not only their own terms and conditions, but VISA 's Zero Liability rule. 

I would like your assistance in obtaining the refund due to me on the claim. 

Thank you.
Product: Credit card or prepaid card

XX/XX/XXXX NetSpend XXXX XXXX account department has been texting my phone with balance from other customers account. I closed NetSpend XXXX card because of VA benefits stolen. Back in XXXX. NetSpend XXXX has been texting me balance and acct action from debit card purchase last text XXXX afternoon XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX  XXXX. XXXX Account name : XXXX  XXXX. XXXX Account name : XXXXXXXX XXXX XXXXXXXX. XXXX 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. 

XXXX5U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and 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. 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

We started our conversation with XXXX XXXX XXXX XXXX  ; we received a pre-approval and were working on finding a home. After we found our new home, XXXX XXXX wanted to have a telephone conversation informing me our interest rate is XXXX, not locking in the rate, and we will have to buy points totaling an out-of-pocket cost of over {$15000.00}, and as our loan progressed that number increased to over {$18000.00}. In our phone conversation, I told XXXX XXXX what Veteran 's United is doing is Predatory Lending ; of course, XXXX XXXX disagreed. Once I realized how much Veteran 's United ( XXXX XXXX XXXX was going to be charging, I searched for other VA Home Loan Lenders and found another lender with a higher pre-approval, a lower interest rate, and lower points cost. I informed XXXX XXXX on XXXX that we are moving forward with another lender. XXXX XXXX said they've gone pretty far into this loan and wanted me to share our newest loan estimate to see if XXXXVeteran 's United could match it or do better. My response was very clear, saying we allowed Veteran 's United to give us your best rate, and now, after we've found a cheaper loan package, she wanted to negotiate. I included we are steadfast in our decision and will not be moving forward with Veteran 's United. Around this time, XXXX XXXX had ordered the VA Home Loan Appraisal ; I was charged {$700.00} for the Appraisal. Yesterday, our new lender emailed XXXX XXXX asking for the Appraisal to be transferred to my new lender without a response. Today, Tuesday, XXXX, my new lender asked XXXX XXXXy for the Appraisal twice. Today, XXXX XXXX finally responded to our new lenders, saying the VA Home Appraiser only conducted a Partial Appraisal, and Veteran 's United was charged {$170.00}. It wasn't until today that XXXX XXXX processed a refund of {$520.00}, but she claims she processed the refund yesterday, XXXX - not what our records show. 

Further, it wasn't until I asked pointed questions about the Appraisal cancelation that XXXX XXXX admitted that she did cancel the Appraisal when I first informed her we were going with a different lender. However, that was not the case ; it was only yesterday, when our new lenders began asking for the Appraisal to be transferred did XXXX XXXX cancel the Appraisal. This evening, I sent an email to XXXX XXXX, asking for the Appraisal Report for the " Partial Work '' that had been done, also stating we should receive a full refund of {$700.00} if XXXX XXXX/Veteran 's United can not produce a Partial Appraisal Report for the " Partial Work. '' As a 100 % Total and XXXX XXXX XXXX XXXXhe behavior exhibited by XXXX XXXX, representing Veteran 's United, is grossly shameful.
Product: Debt collection

The medical bill is wrongly billed. Instead of medical office billing government insurance issued from medicate and or workers compensation from the United States postal service they have falsely billed me. I tried contacting medical office but everyone keeps giving me the run around stating I need to speak to another person. I contacted debt collector and they stated I have to specific information such as workers compensation case number and etc. They also said to have my medicate insurance policy number in which led me to call medical office so I can retrieve this old information. I have given all this information to medical office when I was seen and yet they still billed me wrong. I shouldnt have to suffer any longer for medical office mistake. Depot collector should verify information since they took the debt. Both parties need to communicate and vindicate my name / credit because I am not responsible for this debt. Please help me because no one at the medical office is willing to help me with any information of billing.
Product: Credit reporting

I have disputed identity theft several times, they have failed to adequately investigate the items I have disputed, I have attached a copy of my police report. 

They also refuse to investigate and or remove the credit inquiries that I have disputed. These credit inquiries are affecting my credit score and need to be properly investigated or removed. If they fail to investigate the disputed items I will use the legal system in small claims court to get this resolved for each inquiry I 've disputed. 

I would have also attempted to get the number on my credit alert updated to XXXX and have not had any success.
Product: Payday loan

Please be advised I do not authorized the withdrawal of {$100.00} from my account additionally according to Virginia state law ACH withdrawals for payday loans is not permitted any attempt to withdraw funds from my bank account a CFPB complaint will be filed. I also need to work out some sort of payment arrangement which is more affordable. I have been a loyal customer now for many years however I have gotten to the point where I am borrowing money each month in order to pay my other bills due to having to pay on the payday loan. if you look at the amount I paid in fees and costs since 2011 I have paid enough to have paid my loan off many many times. I would like my account closed and a reduction in the amount owed and be permitted to pay one monthly payment until it is completely paid off. I 've chosen to try to work with you instead of going through a debt consolidation program. I understand that if I do not make a payment it will go into collections and I 'm trying to avoid that however if it does go into collections I would then be able to pay the monthly payment. I believe it would be advantageous for both of us if we were to come to an agreement now to avoid collection activities or additional fees and costs on either part.
Product: Payday loan, title loan, or personal loan

As a XXXX and mother of XXXX I continued to say i coildnt pay anymore n they kust kept aggressively refinancing me. They called me my friends my job. Even my XXXX messages were them.
Product: Debt collection

National Credit Adjust, a collection agent, has been reporting a monthly balance and failed to send verification and legal rights to collect the two alleged debt accounts and report them both to the credit bureaus. Also, there is inaccurate information being reported like no payment amounts, or dates.
Product: Credit reporting or other personal consumer reports

I'm reaching out because XXXX, XXXX and Transunion is helping XXXX XXXX XXXX put incorrect information on my credit report related to the account below : XXXX XXXX XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on report isn't accurate! 
By IRS rules, any canceled debt or charge off is classified as income. Reporting this as debt is incorrect. 
According to 15 USC1681 XXXX, XXXX XXXX XXXX XXXX as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info.

**15USC 1681s-2 ( a ) ( 1 ) ( A ) ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, the specific information is inaccurate and ; the information is, in fact, inaccurate. ''
Product: Mortgage

I filed another complaint which is still open regarding them not sending information to me because they have the wrong mailing address and I've been told twice that it won't allow the address to be updated. I don't know what is going on but it's been so hard to get information because I hear one thing from one person and then next thing you know I'm getting different information. Today I got a letter in the mail that .32 of my property will be sold in a tax sale if my property tax isn't paid by XX/XX/year>25. l have money in my escrow account. I just keep getting hit with new obstacles related to the mortgage. Also in my previous open complaint I mentioned that I got a letter that they were sending my last mortgage payment back to me due to it not being enough because they raised my mortgage and never notified me .... is that check being mailed to me or to that other address. What do I do about my taxes that were not paid with the escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is : 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, was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, 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 failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) 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 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where is in compliance with OHIO LAW. I also have report this 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 account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2022, I sent a dispute to Experian due to inaccuracies on my credit report XX/XX/2022 I got a response with no action being taken it just stated updated No changes I requested that the debt be validated or removed and that did not happen.
Product: Mortgage

I am purchasing a construction home. I was advised by the builder I had to use one of their preferred lenders in order to qualify for the XXXX closing cost incentive. So I did just that & I applied with the company loan depot. I was referred to work with XXXX XXXX which was a loan officer who worked with the NC 3 % down program which is what I was using for my down payment. He took my application & never disclosed any fees associated with doing this program with his company. He later ran credit and sent out the loan disclosures ( LE ) Once the disclosures were received I notice the 1 % origination charge. I called the loan officer to get an explanation for the fee. I was then told by the loan officer that it was a fee that XXXX charges for doing the bond program. I felt like that did n't sound right so I contacted my rep with XXXX to confirm this. She advised that was not true, In fact the fee was not a XXXX  fee, but yet a Loan depot fee they charge because of the amount of money they make on the XXXX bond loans are less to none they charge the 1 % origination fee to the customer to try to make up for some of the loss. I asked XXXX to waive the fee since was it never disclosed or explained and he declined. I then found another company willing to do the loan without the fee however I asked that XXXX provide a letter/email saying that it was okay to work with another lender so that I may provide to my builder and they allow me to still get the XXXX incentive for closing. XXXX forwarded me to his manager XXXX XXXX. I missed XXXX 's phone call & decided to call him back. Soon as I got on the phone I realized very quickly how terrible XXXX 's attitude was. He began speaking over me and belittling me. He made comments referring to me a " charity case '' because of me having to use the XXXX program to get my home. He also informed me that I had a listening problem several times. I asked him would he provide the letter/email that I previously asked for from XXXX & he laughed and said " No, I not giving you anything '' The phone call started to become very disrespectful and he went on to tell me there was basically nothing I could do about it because they do n't record their phone calls. I did let him know I would be moving forward with complaints to let people know how horrible I had been treated while attempting to work with this company.