23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have had nothing but issues with Avid acceptance dealing with their customer service and how their staff treats the consumer. My account manager at Avid acceptance has been unprofessional, rude, plain out terrible. My car note payment is due on the XXXX of each month, And because of how my income I have coming in, I have been up to 10 days late for the last few months however based in my contract I was told that there's a 10-day grace. Before a late fee occurs recently for my payment that was due XX/XX/XXXX I was late about 5 to 6 days before I received a email from the account manager with Avid acceptance who I advised a supervisor that I dont want contacting me at all. I have spoken on multiple occasions with representatives there in their office asking for this account manager not to contact me do to her unprofessionalism that she has shown on multiple calls we've had the last communication with her happened in XX/XX/XXXX where I had some vandalism to my car and I requested for a deferment for that month in order to have the repairs done and not fall behind on my car note at that time.When I called Avid Acceptance she started yelling at me and hung up on me that day, I spoke with supervisor but was told the deferment was approved, however in the email I recently received XX/XX/XXXX again because I was past due on my XX/XX/XXXX payment I was threatened with having a post deferment review which I don't even know the definition of that but it seems as if their office wants to back out my deferment for my XX/XX/XXXX payment when it was approved prior to this situation. I was only 6 days past due for my XX/XX/XXXX payment and to send me an email about my deferment from XX/XX/XXXX will be under review, I find this is deceptive practice and I've asked for a manager to call me and I still have not received the call to this day, I dont think anyone should receive emails with this type of request period, especially when you are 6 days past the due date when in your contract you were given a 10 day grace period before a late fee, this company is absolutely the worst and i will continue to make complaints against them when something that seems deceptive and unfair happens. I was also told that a manager approved this email prior to sending it out. Also my account has been paid current as of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN TO REMOVE THE FRAUDULENT XXXX XXXX XXXX ACCOUNT FROM MY CREDIT REPORT. WHY ARE THEY REPORTING SOMETHING ON MY ACCOUNT WHEN THAT ACCOUNT IS NOT MINE, IT DOES NOT BELONG TO ME, I AM VICITM OF AN IDENTITY THEFT, I WANT SOMEONE TO EXPLAIN TO ME WHY THE FRAUDULENT ACCOUNT IS ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some accounts on my credit report that do not belong to me. 

- XXXX XXXX XXXX - {$650.00} - XXXX XXXX XXXX - {$640.00} My credit is reporting as much lower than what it should be due to these fraudulent accounts. I have tried to contact them over the phone but they just want me to pay them.
Product: Credit reporting or other personal consumer reports

15 USC 6802 15 USC 1681b 18 USC 1028A Remove undeliverable addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter to all three credit reporting agencies and I requested information be removed or deleted per letter and request was not made. Credit bureaus only updated information rather removed/deleted as I requested. I do not want to file a lawsuit or complaint but I see that I now have no choice because of their investigation and outcome with results that I am not satisfied with and think is unfair.
Product: Credit reporting or other personal consumer reports

I am writing this letter to dispute the following account that was removed from my XXXX report but still remains on my other credit reports TransUnion and XXXX : XXXX XXXX, XXXX XXXX Account # : XXXX These collection agencies are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company XXXX are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete.
Product: Mortgage

XXXX XXXX approached her mortgage servicer, PNC, in regards to a short sale on XXXX XXXX. Although XXXX is XXXX years old and does not live in the subject property any longer ( now lives with her son ), PNC forced her to go through a review for a loan modification. A borrower who does not live in the property and does not have rental income is typically not forced to go through the loan modification review. Our first offer on the property was dated XXXX XXXX, 2015 in the amount of XXXX. Once it was determined that XXXX clearly did not qualify for the loan modification, PNC agreed to review her for short sale as she originally requested. 

Months went by and we finally got to the point where an appraisal was completed for our short sale review. The appraisal from PNC came in at XXXX. Once we were advised of the appraised value, we immediately countered the buyer at full value. They would not reduce their offer ; however, we had multiple back-up offers in place. We advised PNC immediately that we had many other interested buyers who were willing to pay the amount that PNC was looking for. PNC, instead of working with us to review the other offers on the property, closed the file and advised me that I had 15 days to submit a new offer. This message came from XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I faxed and emailed a new, higher offer from one of our back-ups to PNC. This offer is for XXXX which is above appraised value. Upon speaking with XXXX XXXX again at PNC, she informed me that as of XX/XX/XXXX, we would need to wait 14 days before the file was assigned to someone else to begin review. Another email from her to myself stated that the " file will start at beginning all over again. '' Clearly, that message was contradicting and utterly confusing based off of prior conversations we have had. It does not make sense that PNC would wait 14 days then start the process from the beginning. We have an offer that is above PNC 's appraised value, a seller who quite clearly qualifies for a short sale and now we are going to be faced with extreme delays. There is no way that this buyer is going to wait x amount of months for PNC to pull their act together and review his offer. By the time they re-open the file, their appraisal will expire! Their review is inefficient, lazy and not a single person that I speak to at PNC will take any accountability and work to find a solution. 

PNC is clearly forgetting that the short sale is in their best interest as well. A foreclosure certainly is n't. We are lucky to see an offer as high as we have and PNC 's games are unprofessional and do not do their borrower any service.
Product: Checking or savings account

On XX/XX/XXXX Bank of America allowed a garnishment of - {$4200.00} from my money market savings account ( attached transaction image ). They did not notify me of the transaction before or after. 

I called to report it as fraud because I didnt recognize Legal Order, XXXX XXXX as an authorized transaction on my account. I was informed that it was a court order and they couldnt provide me with the entity name or information pertaining to the order. I was told I would have to go to a bank branch to get this information and a copy of the supporting document. 

After visiting the bank branch on XX/XX/XXXX, I was provided a copy of a one-page document that contained very little information as a court order ( attached ). I learned that Bank of America allowed the garnishment by the state of CA for a matter that is currently still in dispute. I am a NC resident and have been for the past 36 years. CA, in error, has charged me XXXX resident income taxes vs. an investor in a passive business investment I have in the state. I have never been a CA resident in any capacity. My bank account has always originated in NC and never CA. 

I asked for a copy of the bank policies permitting the garnishment. I was informed I would need to reference my original account documents from when I opened ( nearly two decades ago ). Given the age of my account, I informed them I no longer have these documents. I was handed a booklet that new customers are given when opening an account in XXXX and told that I would need to read through that to find the information I was looking for. I have not been able to locate any clear language in this material to explain the business practices/policies regarding matters like these. 

I recently found the attached article referencing the actions your organization has taken against Bank of America in the past 24-months for situations like mine : unauthorized garnishments and deceptive consumer information regarding their rights ; imposing unenforceable clauses in take it or leave it customer contracts; failing to adhere to consumer protections and acting on garnishment orders without disclosing that the accounts were located out-of-state and protected from the issuing courts garnishment orders.
Product: Debt collection

Institution Information Syncb XXXX, FL XXXX ( XXXX ) XXXX Hard Inquiry? National Credit Cards/Airlines?
Product: Bank account or service

I was trying to log into my account with New York Community Bank via XXXX and when I entered my user ID was told my account was disabled. 
I called customer care and was told because I had not used my account recently ( note they did not give a specific time window for this policy on account closures even on the customer care call ), they had disabled my account. This was without any advance notification to my email address linked to my online account. They refused to unlock the account even when I provided my SSN, account number and my online banking details. 
They claimed this was pursuant to their policy in the agreement I signed opening the account. However this seems disproportionate and not clearly articulated. I know for a fact I downloaded my tax documents in XX/XX/2016 for the previous year from their website, yet by XX/XX/XXXX they had closed my account and sent all my money to the local government, where I must now file an Unclaimed Property Request and deal with all the challenges that entails to get the money that is mine returned to me. It was also only when I requested to speak to a supervisor that I even found out they had sent my money to the government, as the first customer care contact mentioned nothing of the sort to me, just that I should send a letter and copy of my driver 's license to request my account be reopened, even though in fact the account and the money is gone for good from NYCB and I must search it out with the local government. 
This seems unreasonable for not having logged in perhaps during six months to an account, and I would request the CFPB review the terms of service of this Bank to its customers, require they adjust their policies on closing accounts and unilaterally sending consumers ' assets to the government, as well as send email notifications warning of such actions before they are taken. I have many accounts with financial institutions and have never had close to this awful a customer experience and am now faced with the uncertainty of ever seeing a very large sum of money again. Are n't banks supposed to be safe places to store your money? It seems NYCB does not take this core responsibility seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am purchasing my mother in law 's home I have moved I am not able to purchase a home due to XXXX XXXX Putting a badd credit on me what happened was I moved and did not receive my mail for a month XXXX XXXX sent me a bill for {$130.00} I did not pay on time because I never received an invoice They put a bag credit rating on me for 30 days delinquent they have not told me if that has been resolved Please help
Product: Mortgage

Under XXXX Requests for Information, I am hereby writing to you to request specific itemized recorded information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, transactions, actions, payments, analyses and records related to the servicing of my loan of attorney fees as it relates to XXXX & XXXX. 



I am disputing the validity of the corporate advance debt you claim that is owed for attorney fees. To independently validate this debt, I need an itemized breakdown of the services performed linked to the monies disbursed ( see attachment ) XX/XX/XXXX to XX/XX/XXXX. 


I also request that you conduct your own investigation and audit of XXXX XXXX and XXXX XXXX account whether the attorney fees has been deemed reasonable based on the services rendered. I need to ensure that the attorney fees disbursed to XXXX XXXX XXXX in the amount of {$8400.00} based on the work performed is accurate to the XXXX. Please do not rely on previous servicers or originators assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account of monies disbursed or provide justifiable information or itemized breakdown of the services performed. 



I want to ensure that the fees charged were for actual services performed or rendered. As such, please treat this letter as a Request for Information under 12 CFR Part 1024 ( Regulation X ) 1024.36. A servicer must comply with the requirements of paragraph ( d ) ( 1 ) of this section : for requests for information, not later than 30 days and acknowledge receipt within five days to provide a written response acknowledging receipt of the information request.
Product: Credit card or prepaid card

I receive a letter from bank of america saying that i did a credit card application which I never did
Product: Checking or savings account

On XX/XX/XXXX, I opened XXXX accounts, the XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX, with BMO through their website ( Accounts and account number shown as Attachment XXXX and XXXX ). I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my XXXX account detailsspecifically the routing number and account numberI made XXXX  distinct transactions : a {$25.00} deposit into the XXXX XXXX account and a {$25000.00} deposit into the XXXX XXXX XXXX XXXX account through the BMO website ( Transaction in XXXX shown as Attachment XXXX ). However, on XX/XX/XXXX, I received notifications from BMO stating they encountered difficulties funding my newly opened accounts and decided to refund ( Email from BMO shown as Attachment XXXX ). However, I only received the {$25.00} deposit reflected in my XXXX account. The {$25000.00} intended for the XXXX XXXX XXXX XXXX account did not appear. Despite numerous attempts to resolve this issue by contacting BMO, I have not received a satisfactory resolution. After submitting a complaint in CFPB to BMO, I finally received their response on XX/XX/XXXX. BMO informed me that their vendor, XXXX, holds the funds, and they advised that XXXXXXXX XXXX ACH department should request a debit return ( Response from BMO shown as Attachment XXXX ). 

Following a complaint filed with the CFPB against XXXX on XX/XX/XXXX, I received a response from XXXX today stating that their records reflect that the transfer of {$25000.00} was sent to BMO on XX/XX/XXXX ( Response from XXXX shown as Attachment XXXX ). And XXXX has advised me to contact BMO at XXXX to inquire about my funds using trace # XXXX to help aid in a resolution with BMO. 

As of XX/XX/XXXX, until the present date of XX/XX/XXXX, BMO has unlawfully withheld my funds totaling {$25000.00} for over XXXX months. BMO must return the funds promptly and compensate for losses, including XXXX months ' interest and effort expended.
Product: Debt collection

Trying to collect in a XXXX XXXX XXXX ) were they are not license to collect, also submitting the debt to credit bureau to show collection status
Product: Debt collection

I was illegally evicted from the property that was being serviced by the electric provider ( XXXX  ) in early 2023. This illegal eviction came as a result of a large-scale, unnannounced construction project that rendered my apartment unlivable while I was away on business. I was able to settle with the landlord outside of court and subsequently let out of the leasing contract. 

I moved out of the apartment in XXXX of 2023 and shortly thereafter, my leasing contract was terminated. Although I was no longer living in the unit, the property manager left the XXXX  electricity account in my name until they were able to find a new tenant. This resulted in all of the electricity being used in the apartment ( presumably, to power their construction equipment ) being charged to my name. 

I disputed the account directly with the debt collector when they reached out for further information through the mail. This resulted in " Online Information Services '' ignoring my claims and posting the collections account to my credit reports anyways. Given the swiftness of their decision to ignore my qualms, I think it's fair to assume that they have not done any sort of investigation into the nuances of my case. 



XXXX ; I was evicted, settled with the landlord, and now a bill collector representing XXXX  wants to charge me for electricty used in the apartment after I had already moved out.
Product: Bank account or service

American Express XXXX XXXX XXXX Account online. I applied, provided the requested personal information, then there is a message that says " we will contact you for further information ''. I have not been contacted. Why is American Express asking for my personal information if they are not going to approve online, or provide a confirmation or TELEPHONE NUMBER, or contact me as they said?
Product: Credit reporting or other personal consumer reports

I had a credit card with Truist Bank for several years. In XXXX, I received a notice that the account was charged off because of lack of payment. The card was already closed much earlier due to fraud and there was no balance. XXXX too XXXX XXXX  the to investigate and then finally admitted they were wrong. In XXXX I complained to the better business bureau as my credit report was still showing the error. A rep from Truist said that they alerted the credit bureaus and it could take a month to see it removed. As of XXXX  XXXX XXXX it is still on my credit report. I reached back out to the Truist rep to get proof that they sent the documentation to the credit bureau but they will not respond. I need this taken care of immediately and there is no one at this bank who will handle it.
Product: Mortgage

Wells Fargo forced me into a bad loan modification where they extended my mortgage term to 40 years. I will be about XXXX years old by the time I pay it off. I've complained to them over and over and they keep giving me the run around. Recently, they sold my mortgage to XXXX. Wells Fargo, however, is still responsible for the terms I'm now under. I have sent several letters to them and will attached the most recent letter here. This letter is my response to the last letter they sent me. On the back of it is their explanation of what they did. Essentially they state that " You signed it, here is the proof '' and never address the underlying issues that caused this mess.
Product: Credit card or prepaid card

I have a XXXX credit card balance for the month of XXXX on the XXXX. I scheduled that payment for the XXXX and they pulled it on the XXXX and charged a late fee ( {$37.00} ). To not have to deal with calling them about it, I scheduled the payment of that fee for the XXXX of XXXX. They didn't charge that until the XXXX of XXXX and charged a second fee ( bringing the balance to {$76.00} ). When I contacted the customer service department about this, they said it was an error on my end ( I am certain it wasn't ) and that I had to pay XXXX sets of late fees on a card that has not been used since XXXX and has no balance other than late fees. The representative was not helpful and when we said we would file a claim with the CFPB he offered to waive the most recent fee and that he would make a note in my file that the fee would be credited. He would not give me that in writing but just wanted me to pay the first fee. Eventually he escalated it to a second representative who made the same offer but was confused because the first representative didn't leave any notes as he told us. After she found the notes, she said they could offer to waive a {$37.00} late fee but I would still need to pay {$39.00} ( which is a late fee and finances charges ). The representative couldn't explain why that was the case, but that there wasn't anything more she could do. She offered to escalate it to her supervisor, put me on hold for close to XXXX minutes, and then hung up on me. Note : the account is under my maiden name.
Product: Credit card or prepaid card

When I received my XXXX statement from Capitol One there were four charges on it from 'XXXX ''. I had no idea who or what this was. When I called Capitol One they said that this waXXXX XXXX which I have NEVER used or even know anything about. They then gave me a phone number to call at this company ( which was not on my statement ) so I called them. The XXXX company could not tell me how this had appeared on my charge card because they did not have a XXXX account in my name. They then said that they would refer this to their fraud department and contact me within 3 to 5 business days. 

This was done on XXXX XXXX and to this date I have heard no more from this company. I just received my statement from Capitol One and no corrections were done to my account. The charges were {$100.00} ; {$100.00} ; {$100.00} and {$48.00}.