23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I 'm so frustrated with this company. First off we had an amazing company that sold off our loan to this one and we were XXXX overseas. 

Immediately, i had issues paying online so had to call in our payments monthly, which I had to pay an additional {$15.00} just to pay by phone. When I FINALLY was able to get a real customer service rep on the phone he had an extremely poor & aggressive attitude and when I stated we 're military XXXX  overseas and surely we were n't the only customers of theirs that could not access the website he stated " Well obviously NOT, our website is for US residents only ... '' Like who thinks it 's ok to talk to someone this way? So because we were XXXX overseas we get penalized by LoanCare and forced to pay additional fees just to make mortgage payment?! 

I am currently trying to pay our bill, we now live in Hawaii and able to access the site online but for 3 solid weeks I have not been able to get a single person on the phone. I get prompted to leave a number and the next available team member will call but I 'm certain they just dump that list and never call anyone back. I have sent multiple emails with no response other than an automated reference # that the email had been received. 
I wish we were in a position to refinance with someone else. This is completely absurd. 
I have reset my password 3 times and still it 's telling me that it is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In review, I do not recognize these accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt with XXXX XXXX dated 2017 XXXX XXXX bought the debt and run a inquiry on my crwsit when they want to. 
I have a ibquiry from XX/XX/XXXX and XX/XX/XXXX I called them they say that they can do it as long as I'm in debt the orignaly inquiry in from 2017 now I have 3 and twonin a two month time spand when I nwve autorize them or gave them permission or mm y I'd or aigned a contract with tower loans
Product: Credit reporting or other personal consumer reports

i contacted XXXX and asked them to do an investigation into the inquiries on my report because i had not given consent or signed anything for anybody to check my credit report i put a fraud alert on my report and they supposedly did an investigation for a couple of hours and emailed me that the information was verified and accurate and i know that is not correct at all
Product: Credit card or prepaid card

I purchased {$4000.00} in gift cards from American Express which I activate before I send them to clients. American Express no longer allows me to activate the cards which have already been paid for. Their representatives send me on line or through a phone tree and neither solution works - Ive tried numerous times from different computers and phones and on different dates. They will not put me through to a supervisor either so I cant get a refund or use my cards
Product: Credit reporting, credit repair services, or other personal consumer reports

IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. 
also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? 
XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy.

Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. 

a letter was written to the courthouse asking to provide the procedure in which they verify records information with Transunion, XXXX XXXX XXXX and /or third-party vendors the court replied saying they DO NOT VERIFY INFO WITH CREDIT BUREAUS OR ANY THIRD-PARTY VENDORS. 
before you reply to this COMPLAINT SAYING YOU VERIFIED THE INFORMATION PLEASE GIVE ME THE NAMES, ADDRESSES AND ANYONE YOU INTERVIEWED DURING THE INVESTIGATION PROCESS. 
IF YOU SIMPLY BOUGHT DATA IN BULK OR WENT ON A WEBSITE...... THEN YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Checking or savings account

My name XXXX XXXX XXXX, I had funds drop in Wells Fargo Bank, back in XX/XX/XXXX. I had two checks written on U.S. treasury from Social Security XXXX? The amount of two checks {$30000.00}, and {$20000.00}. I noticed that when I would go and draw funds, more funds came out then just the requested amount. 
I called a Police report lived at XXXX XXXX XXXX XXXX, XXXX XXXX, Calif. XXXX. The police report will have to request from XXXX XXXX, Police Department. The amount stolen is {$12000.00} I have called and the Fraud line and called the Fraud line, to no action back from Wells Fargo. As you can see we are in XXXX XX/XX/XXXX. To date no Action has happen.

I've ask begged give letters, Police Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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 items 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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XX/XX/XXXX Balance Owed : {$0.00}
Product: Debt collection

Conns furniture store calls me more than 5 times a day. I have blocked so many numbers and the repeat call all day. I have told this company that several changes were not mine.
Product: Debt collection

In accordance to the Fair Credit Reporting act, the following creditors have violated my rights. 

XXXX. XXXX XXXX XXXX/ {$510.00} XXXX. XXXX XXXX XXXX XXXX # XXXX/ {$630.00} XXXX. XXXX XXXX XXXX # XXXX/ {$940.00} XXXX. XXXX XXXX XXXX # XXXX/ {$990.00} XXXX. XXXX XXXXr # XXXX / {$900.00} 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: Credit reporting, credit repair services, or other personal consumer reports

I have submitted over XXXX  disputes to Equifax on this account. This is my XXXX XXXX  Card account. This account is not CLOSED. I recently was approved for a credit limit increase. When i provided my statements and approval letter to Equifax as proof that the account is open, they ignored it and still reported the account as CLOSED. the showed the increased limit however. which didnt make any sense. if the account was closed how did the limit increase. Now when i dispute the close the dispute in a day. never looking at my proof. I have had the comenity write a letter. i sent the letter to Equifax. still they would not report the account as OPEN. not sure whats going on here. their hurting my payment history, credit length on open account and credit utilization by not reporting this account as OPEN. i can provide proof
Product: Money transfer, virtual currency, or money service

My account was closed without no reasoning. Could not get money that was in account. Cash app could not explain to me why it was closed and where my money went. They stopped responding through the chat because cash app had no actual phone agents or a number to contact them by.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is the dispute I sent to XXXX XXXX, Transunion, XXXX  and XXXX  ( exhibits do not show ) but the info is there. I disputed the date of last activity and the way the account was reported. The date of last activity is not being reported as the same date on all credit reports. Nobody did an investigation. I checking my credit reports every day and account was never noted as disputed. This is a legitimate dispute. 





XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX I am disputing the accuracy and completeness of XXXX XXXX. To demonstrate the account is not complete or accurate I have supplied : Exhibit 1 ( XXXX  reporting of this account ) Exhibit 2 ( Transunion and XXXX  reporting of this account ) Exhibit 3 ( XXXX XXXX manual reporting guidelines for paid charge off account ) Exhibit 4 ( XXXX XXXX manual compliance code guidelines for reinvestigations ) This dispute letter is structured to send to original creditor, Transunion, XXXX  and XXXX  because the contradictory reporting is evidence to all parties, demonstrating a new investigation is required by all parties. In addition to the investigation being required, I am requesting the investigation be reported accurately according to XXXX XXXX manual guidelines ( Exhibit 4 highlighted in pink ) beginning with using compliance code XB.

Exhibit 1 ( Equifax lender report ) Exhibit 2 ( Transunion and XXXX  Report ) Inaccuracies : 1.  XXXX ( Highlighted in yellow ) a. XXXX  reporting XXXX of XX/XX/XXXX. XXXX  reporting XXXX   of XX/XX/XXXX. It can not be both. I am requesting an investigation into the accuracy of XXXX. 
2. Account Status ( Highlighted in green ) a. XXXX  reporting Charged off Account. XXXX reporting Charged off account. Transunion reporting Purchased by another lender. Exhibit 3 is from the XXXX XXXX manual. It outlines how a paid charge off account status should be reported. Should be account paid in full, was charge off. 
Incomplete : 1. Payment ( circled ) a. Scheduled monthly payment amount is blank. Exhibit 3 demonstrates this is incomplete.

Exhibit 3 ( XXXX XXXX Manual reporting guidelines for paid charge-off accounts ) Exhibit 4 (  Compliance code conditions and reporting guidelines ) Thank you, XXXX XXXX XXXX
Product: Debt collection

With reference to the letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract. 
2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23. 
3. Proof of Claim that COMPATTIA ROCCIA MANAGEMENT GROUP , LLC has the legal right and lawful authority to attempt to enforce collection of the alleged liability in the form of Proof of Agency.

I hereby serve Notice that failure to provide Proof of Claim by COMPATTIA ROCCIA MANAGEMENT GROUP , LLC has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring COMPATTIA ROCCIA MANAGEMENT GROUP , LLC from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX. 

It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another. 

Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of COMPATTIA ROCCIA MANAGEMENT GROUP , LLC agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter, you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.
Product: Credit reporting, credit repair services, or other personal consumer reports

In According to the fair credit reporting act XXXX  account XXXX XXXX XXXX has violated my rights. 
15 U S C 1681 section 601 A section 1 states I have the right to privacy.

15 U S C 1682 section 602 section 2 also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and trans union are reporting a debt collection but both have different open account dates.Thats not me.
Product: Student loan

I attended XXXX College located on XXXX XXXX in XXXX, Ohio. I was enrolled in the XXXX XXXX program for XXXX XXXX. It was a 4 semester program. Halfway through completing the program we were notified that XXXX XXXX was not locally, regionally, OR nationally accredited or recognized by the XXXX XXXX XXXX as an official school of XXXX. They were closed. However, before they closed, I lost a minimum of {$20000.00} in financial aid to them paying for tuition costs, books, lab fees, etc. to obtain by degree in XXXX XXXX. I have tried to work this out through my loan servicer Navinet but have been unsuccessful. I am requesting loan forgiveness or cancellation due to the school closing. Since XXXX closed, another unaffiliated school by the name of XXXX XXXX has opened and they offer XXXX classes. No school in the city or state of XXXX, however, will accept or honor any of the courses students have taken at XXXX College in XXXX, Ohio. This was a complete loss to me both financially and in terms of time. Navinet claimed that they were unable to verify that XXXX was closed ; however, it is not very hard to find that information if you really look for it. I have proof that it was closed. It was not accredited.
Product: Checking or savings account

XX/XX/2023 I tried cashing 2 checks at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX. 
They had ne held up in the drive-thru for quite a while. So I start talking to myself saying why is it that they keep doing this. If there is a issue someone should say something because it doesn't normally take that long to cash a check. But on my last few visits they've kept me held up for over 5 to 10 minutes. The guy in the drive-thru says no, there's no issue. Moment later he says unfortunately we can't help you. He asked for my card and my ID, he said his computer crashed and he disappeared forba while. I leave and head over to XXXX XXXX, XXXX, NC XXXX a couple hrs later and things took a turn for the worse. 

Upon arriving at that location I head over to the information station to see if I could speak with someone. He was busy so I went over to a cashier. I get there the guy says he can't find one of my checks in the system. I'm confused, because why would it be in the system, and I've cashed checks from that company before. He says we'll can you show me where you printed it from? So I said what XXXX XXXX? ( Later realized it was actually XXXX XXXX and so I told him that ) he says yes. He had me login and show him all of the checks that I had gotten. I then realized that this guy tricked me into showing him my personal information in order to stall for the police to show up so that they can trespass me. I mean this guy was scrolling and clicking and asking questions and trying to get me to show him more from different applications pretending to be looking for something specific but he was stalling, at the expense of my private information. Knowing he wasn't going to be cashing not a single check.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 Ive notice this fraudulent account XXXX XXXX XXXX XXXX Amount owed {$4500.00} this is a list below of fraudulent inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2023 financed a XXXX XXXX XXXX with Credit Acceptance Corporation ( CAC ). The XXXX XXXX XXXX was purchased from Impressive auto sales in XXXX, PA. 

Spoke to salesman XXXX on XXXX asked price of car and was advised it cost {$8900.00}. 

XXXX asked me if I liked the car and to submit loan application on impressive auto sales website. 

Later in the day XXXX informed me that I am approved for the loan. 

XXXX asked me how much down payment I am able to put down. 

Advised XXXX I can put {$1500.00} down payment and would be in the next day to test drive car. 

On XX/XX/2023 test drove XXXX XXXX and agreed to move forward. 

I asked XXXX again how much the car cost and he said it cost {$10000.00} because I am financing the car. 

I informed XXXX that the car is advertised for {$8900.00} and when I spoke to him on the phone and informed him I would be financing car, the price did not change. 

XXXX then said my monthly payments are {$280.00} for 66 months. 

I asked XXXX what the out the door price is and he would not tell me. 

I informed XXXX my XXXX score is XXXX and I dont know how he got to the monthly payment amount. 

XXXX refused to show me any documentation only to mention that in order to do the deal I have to get a warranty that is included in the loan for {$1600.00}. 

I needed a car to get back and forth because there is no public transportation to take me to work and back home. 

I really feel taken advantage off and ripped off. 

I paid the {$1500.00} down payment with the warranty included, which I did not want. 

The total amount financed is XXXX and monthly payment of {$280.00}. 

I called CAC on XXXX and canceled the auto warranty issued by XXXX XXXX. 

CAC deducted {$1600.00} of my loan and left an unpaid balance of {$10000.00} with monthly payment of {$280.00}. 

If is not fair the I still have the same monthly payment of {$280.00} when CAC deducted {$1600.00} when I cancel the contract. 


Moreover, I deserve a lower finance rate because my XXXX score was XXXX. 

Its amazing that CAC never provided my XXXX score to me before loan was issued. 

With loan balance of {$10000.00} on XXXX my monthly payment would be {$240.00} for 66 months with interest rate of 18.99 %. 

How it is now pay on balance of XXXX on XXXX, my monthly payments are still {$280.00} for 66 months with interest rate of 25.68 % which is illegal in Pennsylvania.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report and discovered inaccurate information being reported on my credit report I never authorized these Inquires I contact XXXX  about this and I was told I need to report with your company. XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 Under the FCRA the credit bureau must report correct information please investigate this thank you.
Product: Checking or savings account

I have a Wells Fargo savings account, and for 13 months, I was charged a $ XXXX monthly service fee because my balance dropped below the required {$300.00} minimum. These charges were deducted without clear notification, and I was unaware they were occurring. Throughout this period, I maintained sufficient funds in my checking account and could have easily avoided the fees had I been properly informed. 

The $ XXXX  monthly fees were deducted on the following dates : XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Total amount charged : {$65.00} When I contacted Wells Fargo regarding these fees, I was informed that the charges could have been avoided by meeting any of the following conditions : Maintaining a minimum daily balance of {$300.00} in my savings account. 
Setting up a {$1.00} daily automatic transfer from my checking to my savings. 
Using a XXXX XXXX XXXX XXXX transfer of at least {$1.00} per month. 
Setting up a $ XXXX monthly transfer from checking to savings. 
These options were never clearly communicated to me. Had I been made aware, I would have taken the necessary steps to avoid these charges. 

When I requested a refund, Wells Fargo unilaterally refunded only two months without my consent and then denied my request for a full refund of all 13 months. Furthermore, my initial case regarding this issue was misplaced, requiring multiple escalations before receiving a final response. 

Reasons for Dispute : The fees were deducted without sufficient notification or opportunity to take corrective action. 
The available methods for avoiding the fees were not clearly communicated. 
I maintained adequate funds in my checking account and could have easily prevented the charges. 
A partial refund was processed without my authorization, and my request for a full refund was unfairly denied.