23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX Placed in XXXX Balance XXXX $ Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate. 

XXXX XXXX XXXX # XXXX XXXX Balance : XXXX $ Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate. 

XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Balance : XXXX $ {$20000.00} Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate. 

XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Balance : XXXX $ Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate. 

XXXX XXXX XXXX XXXXXXXX XXXX $ Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate. 

XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX Balance : {$7600.00} Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate. 

XXXX XXXX XXXXXXXX # XX/XX/XXXX Balance : XXXX $ Error : I did not use any personal information to obtain this account and Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, my report must be accurate.
Product: Debt collection

On XX/XX/XXXX I was sent XXXX XXXX XXXX XXXX in XXXX Ks from the XXXX XXXX XXXX XXXX XXXX for XXXX XXXX. The VA does not have this service for women Veterans, so an appointment was made for me to get it done as an outsource service. Sometime XX/XX/XXXX, I received a bill from XXXX XXXX ref this appt. I called the financial service to inquire about this and was told it was an error my insurance would be billed. I then received another bill in XXXX and again in XX/XX/XXXX at this time I was in full XXXX treatment and honestly did not make this a priority. In XX/XX/XXXX after completing XXXX, XXXX and preparing to start XXXX I again called the billing service after receiving a call from XXXX XXXX a collection company and was told it would be taken care of. I had told the lady at this time I can see in my chart payment history this was paid XX/XX/XXXX. She claimed she doesn't see that so I faxed it to her and she again told me it would be removed from collection. It is a year later and I am still getting calls from the collection company regarding this. I have copies of the bill, payment and request for payment letters.
Product: Debt collection

At approximately XXXX PM today, I received a phone call from a scam likely number. The caller indicated they were from Harrison Harris and I had an outstanding debt from XXXX. I did not recognize that dad and I monitor my credit regularly and theres no such account or activity so I requested that they do not call me any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with the Equifax for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Vehicle loan or lease

In connection with Ally Financial : this company has been horrible to work with. In the last year since purchasing the vehicle, repeated requests for statements so that we could make timely payments were ignored. We got fed up and refinanced the car through XXXX in XX/XX/2019. We were provided with a verbal 10 day payoff. XXXX paid that amount and added {$200.00} to the payoff as a pad. Ally claims we still owe $ 10+ over and above the payoff amount and refuses to release title to the car. We have sent checks to the payoff address provided, one for {$10.00}, one for  {$11.00} and one for {$15.00} and Ally to date has refused to apply payments. Ally has also refused our several requests for a complete breakdown of how the payoff issued from XXXX was applied. XXXX Ally it seems that we are not the only ones who have had bad experiences with this company. I just want the title released to XXXX and a complete accounting of how the payoff from XXXX was applied : we should not have been short.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 my account without my written instructions.
Product: Checking or savings account

Received phone call from a rep with the fraud dept this morning. The representative was very rude and unhelpful. Mentioned a phone number called to inquire about my account. I told the rep the number is not associated with me or the account. Been on the phone for 3 hours with the company, with no resolution. Other than stating they were closing my account for a reason that had nothing to do with me or my business. This is after I transferred my payroll to this company. Initiated a commercial real estate deal. After waiting 35 days for a verification process that was initiated I believe based on race and gender. Manager XXXX was very rude and disrespectful. The initial called without verifying me or the account. When I stated this she was very rude and disconnected the call.
Product: Mortgage

In XXXX, we were forced to obtain a California FAIR plan insurance policy and wrap-around/difference in conditions policy for our home ( in XXXX XXXX CA XXXX ) through XXXX XXXX XXXX XXXX as we moved and had tenants rent the home. 

This fall, XXXX sent documentation and a bill for the policy to our mortgage lender - Freedom Mortgage. In XXXX, Freedom Mortgage paid this policy out of escrow for us. 

We received one letter from Freedom Mortgage circa XXXX XXXX in which Freedom Mortgage claimed they were having issues getting required information from XXXX and if they did not receive it, they would cancel our policy. One single notice in the mail. There is nothing in our online account 's documents page stating such.

On XX/XX/XXXX, my wife contacted XXXX, who reported Freedom Mortgage- who has been collecting escrow for the bill - did not pay them ( XXXX ), thus XXXX canceled the insurance policy. My wife then contacted Freedom Mortgage and spoke to a male representative who claimed that Freedom Mortgage has not paid difference in conditions policies via escrow since XXXX ( see above, false ). The representative also claimed multiple notices and phone calls to us had been made ; we received one notification, see above, and never received any phone calls. The representative could not provide records of such.

Why is Freedom Mortgage collecting escrow for bills it's not paying? Why did Freedom Mortgage not actually provide us notice like they claim they did? It's also convenient that Freedom Mortgage requires insurance on their mortgage policies, but then seemingly can't seem to pay them and constantly require us or our insurance agency contacting them to tell them how to do their job.

Our insurance agent has said to us on at least two occasions, that Freedom Mortgage has a reputation of being known to not pay bills. If this is the case, not to mention recent judgments against Freedom Morgage by CFPB, then why is Freedom Mortgage still allowed to conduct business in the US?
Product: Debt collection

On XX/XX/XXXX, I was notified VIA email through the XXXX XXXX - XXXX XXXX XXXX XXXX  that a collection agency placed a collection charge on my Social Security number. 

I looked into the company name, Transworld Systems, and found it was a debt collections agency. I spoke with a representative there who let me know that a XXXX XXXXXXXX XXXX, XXXX XXXX, had six different accounts opened using my name and Social Security number ( I live in New Jersey, I have never visited Texas, nor do I have friends/family that live there ). I asked for the account numbers and balances at that time. I, then, submitted a fraud report with their customer support team. They let me know that they will investigate on their end and send me paperwork to process on my side. 

I went to my local police station and filed a police report which will be available for me to pick up XX/XX/XXXX or XX/XX/XXXX. I was also directed to file a fraud/identity theft report with the FTC. The next steps were to send a copy of the police report along with the FTC report to the electric company to process the dispute on their end. 

I called the collections agency again ( today, XXXX ) to confirm the information and they also provided me with the dates of end of service as well as the addresses for each account, XXXXhree of which were opened on the same day. I learned that the accounts were opened under two different companies, XXXX XXXX and XXXX XXXX, both of which are under the bigger company, XXXX XXXX XXXX. A fraud report is submitted on their side to help prevent additional accounts from being opened with my name and social security number.
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  : # XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX  : # XXXX, has violated my rights.

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.

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: Checking or savings account

This is an incident that occurred on XX/XX/22 by an employee at M & T Bank by the name of XXXX XXXX. The description below is the complaint that I sent to the business and I have not heard anything back. 

I am writing today to file a formal complaint about an employee of your bank, XXXX XXXX. I have learned from a colleague of mine that XXXX visited my place of employment and began to berate me and attempt to defame my reputation. In addition, she proceeded to call me specifically discriminatory names and created a hostile environment for my colleague at our workplace. I have been a customer of M & T fka Peoples United for over twenty years. I have several accounts as well as a mortgage and I find it offensive as well as an invasion of privacy that XXXX felt empowered to discuss anything about me personally in any location, but, especially at my place of employment. I hope to hear back for someone regarding this unpleasant experience and I need to understand under what circumstances M & T as a corporation allows its employees, especially someone in management, to bully its customers in a public setting at their place of employment. I feel that my confidentiality has been invaded and I hope that this matter is taken seriously. I am happy to provide any more specific information about this incident, up to and including other witness ( es ) to this behavior as well as video surveillance. Amidst all of the controversy and customer experience debacles that M & T has been experiencing, I can not seem to understand how behavior like this would ever be tolerated. I have been violated and discriminated against as your customer.
Product: Credit reporting or other personal consumer reports

Today is XX/XX/XXXX and I received an alert that I had applied for some type of credit and a hard pull was applied to my credit and I did not apply for anything today
Product: Debt collection

PLEASE REMOVE THIS FRAUDULENT ACCOUNT TO MY REPORT. IT CAUSE ME XXXX XXXX XXXX. RID THIS OFF IMMEDIATELY
Product: Credit reporting or other personal consumer reports

Contacted the company online and filed a dispute because there were unmailable addresses and names and phone numbers on my report that I needed to be removed. The company refused to remove the addresses and extra names.
Product: Credit reporting, credit repair services, 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 : Account # XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXXXXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX, My rights 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. 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: Student loan

In a follow up to my previous complaints, today I noticed my mohela account finally showed I was placed on the SAVE repayment plan. However, the payment amount, XXXX, is the payment for the LEVEL repayment plan. My most recent IDR application on XX/XX/2023 stated my SAVE repayment amount is about {$180.00} dollars.

I called customer support and the first agent was unable to answer why the discrepancy.

1 ). Why is my account showing the level repayment ammount while I'm in SAVE? 2 ). How is is possible that the SAVE repayment ammojnt is only {$13.00} less than the LEVEL amount? No one can answer the questions. This is umnaceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

These two accounts on my credit report still show that they are open with balances these accounts have been closed with the creditor. XXXX Credit Card Account # XXXX, XXXX XXXX loan Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a collection in the amount of {$1500.00} on XXXX XXXX XXXX account number XXXX***. ( Please see page attached from my credit report. ) This medical collection account was reported recently on my credit report and is fraudulent. I called the collection agency and this account is from a hospital in XXXX, Arizona. I have not lived anywhere near XXXX, Arizona for over ( 17 ) years. They said that the collection was for my daughter whose name is either XXXX or XXXX. ( The representative was very difficult to understand. ) My daughters name is not XXXX nor XXXX. The names are not even close to similar. My daughter does not live in Arizona and she has her own health insurance. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.
Product: Checking or savings account

I keep getting the XXXX XXXX from this company. I have tried 5x unsuceesfuly, especially afteer getting hosed by XXXX, and some customers XXXX on the 1st of the month ( a mil payday ) to access funds. 

I have a severe plumbing issue and I need things from XXXX or XXXX. I was unlawfully denied because XXXX was shooting " unamerican bitcoin cash outers '' in the foot. When I highlighted this after 6 hours or more of tweeting, the card let some transactions thru. I was called " unamerican '' for an XXXX XXXX account secured CD I tried to open and my info is continuously out of XXXX reported to me, even though somehow the bank has my info. Sent info to XXXX and usaa but I keep getting the PC XXXX instead of " getting XXXX straight '' ( as chief says ) with the bank. 

THis is the 3rd bank im having XXXX with and XXXX DESERVE BETTER than this XXXX organization that treats us worse than trash. they deserve less than the reputation listed online and can XXXX XXXX complaints in the XXXX XXXXIf treat people this way, DONT EXPECT POSITIVE REVIEWS AND TWEETS. unlawful reporting as ABUSIVE to twitter is a 1st amendment violation and illegal censorship. companies do not have the right to choose how info or what info gets leaked about them because of thier bad actions. this is also a trend. XXXX payments take over 3 mos to move. balances have been refused to be sent to my other accounts and the option to add more isnt working, as is half of thier website on a ongoing basis. This is why I left regions.
Product: Debt collection

I got an installment loan from XXXX loans in XXXX XXXX. I began making payments to the company, but, after my husband was hospitalized, I had a income declination and was unable to fulfill my debt. I emailed the company in XXXX or XXXX asking them to offer me a settlement amount. I went to my bank to get the matter resolved. I received no contact from the company. However, in XXXX XXXX, I received a call at work from a company called the XXXX XXXX XXXX ( XXXX XXXX ) stating that they had the account. I asked him to NEVER call me at work again. We set up arrangements on the account and I told them that I could send the payment via money order, but, he insisted that I give him a debit/credit card number. After tirelessly arguing with him about not having a card, I discovered that I did have an old debit card from school. I told him that I would have to go to the school to load the card ... I was unable to do so because the school was on XXXX break. I informed him of that. A day later, he found a cousin-in-law via Internet and called him regarding my debt. Then, on XXXX XXXX and XXXX XXXX XXXX, he located my mother-in-law and did the same thing, He held a conversation with her and left a message on her cell phone on another occasion. I have never listed either of the XXXX people contacted on any application that I completed. I am not sure where they got each cell phone number from, but, the XXXX XXXX XXXX has found a way and they have been constantly calling and harassing my mother-in-law. I am wondering if there is something that can be done about this matter. The company has all of my contact information, there is no excuse. Also, the day that XXXX XXXX called me at work, I called him from my daughter 's cell phone when I got off from work. He asked me if it were ok for him to call me at that number ( must have shown up on caller-id ), I told him NO! I said this is my daughter 's phone. Nevertheless, he called a few times and left a message on her phone on XXXX/XXXX/XXXX.
Product: Debt collection

I have for over a year now been in Constant communication with National credit systems about the fraudulent activity they have been permitted to get away with. They are reporting derogatory data to XXXX when THERE HAS NEVER BEEN A CONTRACT between the consumer and this company. Despite even litigation this company continues to harm the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer are being violated and expect this complaint to be taken seriously, as XXXX XXXX  has a history of abusing the very consumer ACTS meant to protect consumers from such overreaching violations. 

This complaint is ongoing as previous responses have been deemed inadequate and failed to provide proof of credit inquire consent or produce any form of loan request documentation that would have authorized the company in question ( XXXX XXXX ) legal right to pull my credit as outlined within the Fair Credit Reporting Act. 

It is my expectation as a consumer to be protected from unwanted an unauthorized inquires. None of the so called justifiable reasons that have been provided applies to my informal communication with XXXX nor have they provided any proof to the contrary.
Product: Checking or savings account

Dear CFPB : I opened a Chase 3 months CD and signed up for the auto-renew option. However, when I try to cancel the auto-renew, their website doesn't have the option. So I went to a Chase branch to stop the auto-renew. However, I was told by the Chase banker that there is no option of stopping the auto-renew of the CD. I can only wait until the CD is matured, then I can call them or come to the branch to cancel the next CD that is renewed.

I believe it is the consumer 's right to stop renewing the CD. Chase does not have to right to force me to renew it and then I go to their branch to cancel it. It is a violation of the consumer 's rights. Please help to stop these illegal proctices. 

Thanks! 

XXXX XXXX
Product: Debt collection

I have asked many times for proof for this item on my credit because I have never heard of the original provider. I have never been to the location. They have NOT been able to provide me with any proof showing this is my debt. There is no paperwork, no signatures. It is a fraudulent charge.
Product: Credit reporting or other personal consumer reports

Contacted company and asked why, company is only reporting to XXXX, and not the other two bureaus : XXXX  and experian
Product: Credit reporting, credit repair services, or other personal consumer reports

For recording keeping, this is my XXXX letter to you. I am requesting an independent investigation into the following accounts, because they are reported inaccurately and need to be removed. My credit report was pulled from XXXX, and I see multiple entries that are wrong and hurtful to my credit score My goal is to refinance my car loan so that I can have a lower interest rate. 

Please investigate each of these accounts to ensure the accuracy of my entire credit report. I would appreciate a new credit report be sent to me, detailing the outcome of your investigation and any deletions or updates per my below.. 

XXXX XXXX XXXX Account number : XXXX The date last active is different across the XXXX credit bureaus. XXXX date last active states XX/XX/XXXX. XXXX  date last active states XX/XX/XXXX. Equifax date last active states XX/XX/XXXX. 

US Dept. of Education Account number : XXXX There are different monthly payments across the XXXX credit bureaus. Equifax monthly payment states {$470.00}. XXXX and XXXX states {$0.00}. 

XXXX XXXX Account number : XXXX The date last active is different across the XXXX credit bureaus. XXXX  date last active states XX/XX/XXXX. XXXX  date last active states XX/XX/XXXX. Equifax date last active states XX/XX/XXXX.