23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

According to Ditech I had since XXXX XXXX late fees. I ca n't understand how I would have late fee if I always if paid late sent in my mortgage with the late fee included. They decided to apply these fees how ever they liked and never reduced the late fee charges. If you look at my attached documents you can see approximately around XXXX of XXXX I started to send extra payments to catch up to everything and anything I was late in. I called customer service and they went over the statement and even gave me a breakdown of how I can pay everything in full so that the account can be up to date. From XXXX XXXX thru XXXX XXXX I made all the overage payments along with my regular mtg payments ( my mtg is {$1700.00} per month ). After I did all this, I continued to see that I had more money owed, in other words, my balance continued to increase instead of having my regular monthly balance that I owed each month. When I called again around XXXX XXXX I again asked them to give me the total to complete in full any negative and I once again did the same. This time they told me it was due to an escrow that forced on my account without me ever, ever escrowing in this account. When I thought I brought everything current ( which was a total in XXXX XXXX of {$4900.00} ) and made my XXXX payment I received another letter stating that the payment was a partial payment and that I owed them {$3400.00} and they would take legal action ( I attached those documents as well ).
Product: Debt collection

Midland Credit Management is destroying my credit for accounts with wrong information. XXXX, is also destroying my credit over fees they attempted to charge me after I closed my account ( which I closed for hidden fees that were charged from me that werent a part of our contract ).
Product: Credit reporting or other personal consumer reports

Dear credit bureau I am contacting you because I have found some information that is inaccurate on my credit report. 
The date you have this item reported as a charge-off doesn't match my records.I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : Capital one and XXXX and XXXX After doing so please provide me with an updated credit report reflecting the changes. 
Thank you for your time,
Product: Checking or savings account

I'm reporting Chime to the CFPB because I've inquired 4 times already regarding a charge on my card from XXXX, disputed 2 times for different charges, both disputes got rejected and dispite a representative promising me that they would provide evidence used to make their decision, I've gotten nothing. Was also promised by a representative that Chime placed a stop payment on that merchant which they just tried to authorize my card again. I've had my card number changed twice already and I count on my bank to help me when the merchant can not. Chime has failed me and led me to stop my relationship with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting multiple accounts past the statute of limitations and refuses to update my reports. These accounts should no longer be on my reports as they are past the statute of limitations for California. 

XXXX XXXX XXXX XXXX XXXX which is reporting twice, 1 showing paid on time every month and 1 showing missing payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy, XXXX XXXX. This public record literally does not even include my name and it continues to be reported only by Experian and Experian continues to not delete it or provide ANY proof that this is my public record. They are violating my rights.
Product: Mortgage

My dedicated loan specialist at Nationstar refused to provide me with an email address to discuss my account and help to resolve several issues. I have tried contacting my assigned representative over 15 times by telephone and we have not spoken.
Product: Student loan

We have a loan with Navient that originated on XX/XX/XXXX. It has been transferred to a new company called : XXXX. 
We understand that a class action suit has been filed against Navient for mishandling payments and interest calculations, but I don't believe we received any settlement notice. I do believe we have been overcharged and the loan has been fraudulently mishandled. We applied for forbearance once and reduced payments for one year that were supposed to revert to the original payment amount but never did. We just learned that a class action suit was filed against Navient for mishandling payments and interest calculations. We are still paying for this loan, which was originally supposed to be paid off in 10 years. 
Loan Type PRIVATE School XXXX  XXXX UNIVERSITY Current Owner XXXX  PRIVATE LOAN TRUST Disbursement Date XX/XX/XXXX Original Principal {$16000.00} Loan # can be provided upon request. 
We have paid out : {$29000.00} Total Payments ( {$19000.00} ) total interest charged {$9600.00} total applied to original disbursement {$6400.00} Balance on loan as of XX/XX/XXXX I understand that we should have some kind of ID number and Pin number from you in order to file for relief and hopefully to end this payment. This was for my son, XXXX XXXX, but the loan is in my name. I am XXXX years old with limited income. 
Can you help me get this resolved? 
Thank you!
Product: Credit reporting or other personal consumer reports

The account stating on my transunion as XXXX XXXX XXXX XXXX and experian as XXXX for {$4900.00} and an account from. XXXX XXXX saying XX/XX/year> I have asked multiple times for verification of accuracy of these accounts and nothing has been done yet and it is having a very negative impact on my life I demand this be removed pursuant to my rights under FCRA
Product: Vehicle loan or lease

I sent a dispute letter to Toyota Financial regarding the accuracy of my credit report. They replied back with a letter ( which I attached ), stating that they are reporting my account accurately and consistent to the credit reporting agencies. They just violated the Fair Credit Reporting Act by saying they verified information was correct with the credit bureaus when in fact it was n't. Below are the things are that are not accurate and consistent. XXXX shows terms as 0 months when XXXX and XXXX show 66 months Last reported date shows XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. ( How can they have three different dates for this but yet verified it was accurate ) Date last active shows XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. ( How can they have three different dates for this but yet verified it was accurate ) Date of last payment shows blank on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. ( How can they have three different dates for this but yet verified it was accurate ) This is not only a violation of the FCRA but also not compliant with METRO 2 guidelines which is mandated by the XXXX.
Product: Credit card or prepaid card

I had an account that I had not used in a while. When I initially tried to use it, the bank that issued the card flagged my account and locked it until I provided documentation for my identity. I complied and sent them documentation by mail, and that satisfied their conditions and unlocked my account. I then purchased gift cards on my Victoria Secret account card on XX/XX/2019. The account was flagged again, and the cards devalued by the issuing bank. I have been trying to get this resolved for the last five weeks, with multiple calls. Promises by many supervisors, telling me just wait a few days, or that the process to put the funds back on the card will take a few days, and nothing has been resolved yet. I have now been charged interest on the account and am late on my first payment, on purchases that I don't even have. My Victoria Secret card is by Comenity Bank. It is now XX/XX/2019.
Product: Credit card

I had XXXX XXXX never used its being reported twice on my report I never got any support docs to show anything about these cards
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

LISTED BELOW ARE ALL UNAUTHORIZED INQUIRES I HAVE INCLUDED IN MY IDENTITY THEFT REPORT WITH THE FTC. 

( 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: Checking or savings account

Yes I need this case number Wells Fargo case number : XXXX To be reopen and investigation again I did contact the fraudulent department but they couldnt help me fix my issue please help fix my issue and this is the support case number they give me Case number XXXX I have send the statement of the issues and screenshot of the issues to wellsfargoXXXXwellsfargo.com I am attempting to restore my XXXX account, but I'm unable to use my phone number XXXX or my email address XXXX for enrollment. Please unblock both the phone number and the email so I can proceed with the registration. I've attached a screenshot detailing the issues I'm experiencing. Thank you for your assistance or automatically enroll the email XXXX and phone number XXXX for me into account number XXXX if yall cant unblock the email or phone number or automatically enroll it for me please tell me what bank blocked the email and online number and username is XXXX etc.
Product: Debt collection

I am a Veteran that served twice in the XXXX during the XXXX XXXX. These are medical collection that is old and was sold to another collection company and they are still trying to collect {$47.00} & {$1600.00} - which is the balance they show. They've constantly harassed me and I am trying to refinance my current VA mortgage and because of these collections it brings my credit below and I can not do my refinance. My VA benefits have already paid for these bills but none of the collection departments updated it and it kept accumulating. CMRE FINANCE  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX CMRE FINANCIAL SVCS IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX CMRE. XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$1500.00} COLL {$1600.00} XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX COLLECTION XP/TU ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$47.00} COLL {$47.00} XXXX - {$47.00} - - - XXXX COLLECTION XP/EF
Product: Mortgage

My mortgage was transferred from XXXX bank to DITECH. I received absolutely no written or electronic notice. My monthly payment auto deduction was cancelled without me knowing. When I called to inquire with XXXX of why my monthly mortgage payment had not been taken out is when I found out about the transfer to Ditech. I called Ditech and they told me to do nothing-my auto deductions would resume in time. I then recieved notices that my payment was overdue. I called immediately to pay over the phone and was informed of a {$12.00} online/phone payment fee. This is total bull. My auto deduct will not be set up in time for next month 's payment either so I will have to pay another online/phone payment fee. This has caused undue stress, money and time. This is WRONG
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

We purchased a {$50.00} general-purpose gift card at XXXX and also paid the {$4.00} activation fee ( total spent {$54.00} ), with expiration date XX/XX/XXXX. When we tried to use it for the first time, the transaction was declined. We called the card issuer right away ( Saturday  XX/XX/XXXX ) at ( XXXX ) XXXX to resolve the issue. We were told the balance is {$0.00}, no longer {$50.00}. The reason given was the fees over time. The service rep said she has put in a request to revert to the original balance of {$50.00} and the process would take 24 to 48 hours, and that we should expect a call within that timeframe. As of today, no calls received. On Monday  XX/XX/XXXX, we called them to follow up. We were again told 48 hours. We called today and was told the issuer US Bank has no time estimate when or whether this can be resolved and our only option is to keep checking the card balance online. 
That the balance of a prepaid gift card ( see attached image ) can simply vanish is beyond comprehension. Our good faith effort to resolve the issue has been met with unmet promises and no follow-up.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to urgently file a formal complaint against BMO due to the sudden closure of my checking account ( Account Number : XXXX ), which was opened with the promise of a {$600.00} sign-up bonus. 

Background Information : On XX/XX/2023, I opened a checking account with BMO with the understanding that I would receive a {$600.00} sign-up bonus. Regrettably, my account was closed without any prior notice, causing significant confusion and delay in my funding activities. I suspect that the closure may be related to an attempt by my husband to send a Direct Deposit ( DD ) to my account. 

Importance of Checking Account : I would like to emphasize that my checking account is of utmost importance to me, serving as a vital component of my financial affairs. The unexpected closure has not only disrupted my financial planning but has also caused confusion and delay in receiving crucial funds. 

Sign-Up Bonus and Fraud Concerns : Given the sudden closure of my account and the lack of a clear explanation, I am increasingly concerned about the legitimacy of the promised {$600.00} sign-up bonus. This situation raises serious questions about potential fraudulent practices by BMO. 

Attempts to Resolve : Despite multiple attempts, I have been unable to obtain a satisfactory explanation from BMO regarding the account closure. I have attached copies of my communication attempts, including emails and phone call records, for your review. 
Contact Information : You can reach me at the provided contact information for any further communication related to this complaint. 

I appreciate your swift attention to this matter and trust that the Consumer Financial Protection Bureau will play a crucial role in resolving this issue promptly. 

Thank you for your urgent assistance.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Went to purchase vehicle at XXXX XXXX XXXX XX/XX/XXXX and loan denied without cosigner. XXXX XXXX  refuses to clear off credit report and XXXX XXXX will not return the car, which was a lemon, and wrecked on XX/XX/XXXX. Supposed to be repaired. XXXX  wont do anything although they made me file fraud report
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase Bank is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ), 15 USC 1692 ( c ), and 15 USC 1692 ( b ). And I am requesting they provide a debt validation letter and a sworn affidavit within the next 30 days and provide a law that states a consumer has to pay an alleged debt. Documents are attached to this complaint.
Product: Checking or savings account

Check/payment from employer/partnership to myself has not been deposited, nor made available, nor is reflected in my chekcing account balance in a finalized fashion. 

Employer 's bank ( XXXX ) is able to provide evidence funds were transmitted to my account for a missing deposit. 

Dispute submitted to my bank XXXX XXXX XX/XX/2023 ; at close of business today XX/XX/2023 my bank Wells Fargo is unable or unwilling to provide information about their investigation at all. The dispute remains open. I was not allowed to speak to an investigator. 

I have been credited a preliminary amount for the missing funds ( {$22000.00} ) - but without the investigation and determination being finalized, I am unable to pay my employer back the funds without assuming what seems to be a liability of the bank, i.e. if the bank determines they do not have the funds ( e.g. sent back to employer 's bank ), they will take this preliminary amount back, and I will be at a loss for the amount I have written.
Product: Consumer Loan

This case was dismissed in court against me for this company on XXXX/XXXX/2016 case number XXXX because it was passed the stature of limitations. I did forward this information to all XXXX credit bureau. I did not dispute that it was not mine but that it was dismissed in court. They responded with this message. XXXX We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX TX XXXX XXXX : ( XXXX ) XXXX. I am disputing the fact that my report should have been updated and it should show as no balance due on all XXXX credit reports for me for this Charge Off. The balance ( and past due/or past due ) on this account is incorrect it should say {$0.00} since it was Charged Off.
Product: Vehicle loan or lease

The car was a lemon and when I tried to return it XXXX days after purchase the dealer XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX XXXX refused to take it back. The car demonstrated the following, the first day of driving it off of the lot the car stopped at a light and did not move so I brought the car back and they changed the batter then after that the car wouldnt start intermittently still, it would shut off sometimes when it did start, there was something hanging from the bottom of the car & after maybe 2 months the car stopped starting completely. I could no longer make the payments so I had to return the packet to the dealer and I can not have a car parked in the street without plates and I didnt not have anywhere else to park the car so the car ended up denting sent to the dealer to figure out what was wrong and it ended it in being repossessed due to non payment.
Product: Checking or savings account

For 20 years I have been banking with USAA and what you guys did to me on the eve of the storm was really cruel and unacceptable. On the eve of the storm, USAA cancelled all my checking accounts without an explanation. All these happened because, I have an on-going fraud case against USAA. On XXXX XX/XX/year>, USAA allowed a fraudster/scammer to gain access to me and my checking accounts stole/withdrew {$30000.00} in span of 3 hours around the XXXX XXXX areas ( 22 ATMs withdraws ). We filed 2 fraudulent cases with USAA and your fraud department came back and determined all the 22 ATMs withdraws were not frauds without elaborating on how they came up with this conclusion and started victim shames me and my son. Shutting down all my checking accounts on the eve of a hurricane, that's purely evil.
Product: Payday loan, title loan, or personal loan

This is a predatory loan. The interest rates and cash advance fees they charge people that are struggling make it impossible to pay back. The rates are predatory and don't fall under the Fair Lending Act. The interest rate is 299 % with a cash advance fee that is 25 % of the advance amount. Due to the predatory acts or this company, I was unable to pay my loan and it went to collections.
Product: Credit reporting or other personal consumer reports

This account was paid on XX/XX/year> and it does not appear reported in the XXXX  and XXXX  bureaus, which is inaccurate information. This inaccurate information misleadingly manipulates the statute of limitations. This account was not adequately investigated and that negligence has violated my rights under 15 US Code 1681i - Procedure in Case of Questioned Accuracy. I demand the deletion of the following account : XXXX  XXXX XXXX XXXX