23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

We have obtained a Installment loan from M & T Bank in XX/XX/XXXX through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX. We had provided them with our new PO Box info when we sold our house and moved. We have been having issues with receiving information from them regarding our loan in the following list : *Last paper installments payment notices was XX/XX/XXXX. 
*Unable to log online line to view the account. 
*When they are contacted to request the information they do not provide any information and transfer us to other department and then get disconnected and/or they give another number to contact each time. We go through through this process each month every time. We were able to confirm our address with them once and the csr thought they had it in their system incorrectly and stated that she had noted it and made a change. This was XX/XX/XXXX. They will only take over the phone payments. 
They contact info for correspondence is : M & T Bank, Lending Services, Customer Support, XXXX. XXXX XXXX, XXXX, DE XXXX. XXXX Thank you, XXXX and XXXX XXXX
Product: Debt collection

Jefferson Capital Systems LLC constantly sends me letters about a non-existent XXXX debt of XXXX. This is non-existent because I have never sent money with XXXX in the form of credit and haven't had an account open with them since I was a child.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

the payments were over looked and wanted to see whether u can remove the negative impact on my credit
Product: Mortgage

My husband became ill in XXXX and we subsequently obtained a home equity loan in order to help pay some of his medical bills. We were able to continue making payments without compromising our other bills until he passed away on XX/XX/XXXX. I have been trying to sell the home ; however, I have not been able to secure a contract for its sale and I am struggling to make the payments now that I no longer have my husband 's income. I have tried numerous times to contact ditech at the number provided on its statement ( XXXX XXXX, but only wind up being placed on hold for hours on end only to either become disconnected or remain on hold for eternity. I'm at my wits end at this point and don't know what to do ; however, I will not be able to make any more payments on this loan. I really need to speak to someone at ditech to either modify this payment or assist in someway. I will also be mailing a letter of hardship to this company, but I wanted to try to reach out to someone first. 

My phone number is XXXX or you may reach my realtor at XXXX. You may contact either number anytime. 

The company that has this loan is as follows : ditech, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a company called XXXX XXXX XXXX reporting on my consumer file that its inaccurate information reporting, to XXXX, Experian and XXXX they all said they investigated, and it came back as verified and accurate, but how is that when it's a collection reporting as a past due balance this is a violation of the FCRA and is also in violation of Metro 2 Compliant reporting standards. XXXX, Experian and XXXX are not reporting a date of last activity, Experian or XXXX is not reporting a high balance and XXXX is reporting a collection account as opened and past due balance and XXXX is reporting a collection account as opened and past due which is not under FCRA compliance, according to the letter, I received from the company that is reporting this account on behalf of XXXX XXXX XXXX. XXXX, Experian and XXXX all have a different account number from the company. Please see attached letter I provided from the company for proof that the account numbers that's on my credit file is different from each of the CRA 'S.
Product: Checking or savings account

I previously complained to the CFPB in complaint XXXX about XXXX XXXX XXXX XXXX {$99.00} from a cancelled transaction back on XX/XX/year>. Since filing that complaint and its closure XXXX XXXX XXXX took retaliatory action against me and my account and has since put a full restriction on my account. 

They also have still not returned my funds and refuse to let me speak to anyone who can help me. I seriously hope CFPB can take enforcement action against XXXX.
Product: Credit reporting or other personal consumer reports

I originally made Equifax and the CFPB aware of the items below that were created as a result of Identity Theft on XX/XX/XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) after identifying the items below as information that resulted from identity theft and providing the required documentation, Equifax should have blocked and removed these items no later than 4 business days after receiving the required information. I have attached appropriate proof of the identity, a copy of an identity theft report, the identification of such information related to the identity theft, and a statement by me, the consumer, that the information is not information relating to any transaction by me, along with proof that this information was submitted to you on XX/XX/XXXX. Delete and block this information according to FCRA 605B ( 15 U.S.C. 1681c-2 ). By continuing to report this information on my credit, Equifax is violating my consumer rights under FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Below are the accounts that STILL NEED TO BE BLOCKED AND DELETED per FCRA 605B ( 15 U.S.C. 1681c-2 ) : XXXX. XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXX XXXX XXXX  of Credit with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX. XXXX XXXX  XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$960.00}. 
XXXX. XXXX XXXX XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3500.00}. 
XXXX. XXXXXXXX XXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
XXXX. XXXX XXXXXXXX XXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$6700.00}. 
XXXX. XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$6300.00}.
Product: Mortgage

I'm a new customer for Mr. Cooper ( AKA Nationstar Mortgage LLC ) whose mortgage loan was purchased by Mr. Cooper, via XXXX XXXX, from XXXX XXXX XXXX XXXX on XXXX. At this point I had already paid my first Mortgage payment to XXXX XXXX XXXX XXXXXXXX. Additionally, my loan with XXXX XXXX had a sales Incentive subsidy that the home builder paid for as a incentive for me to buy the house. This subsidy was part of the original mortgage loan contract and was told that it was also transferred to Mr.Cooper as is. 
Upon first email contact by MrCooper on XXXX, I started planning to pay off the loan with Mr. Cooper. On XXXX, I requested a payoff quote from Mr. Cooper website. I had was also in discussions with a Mr. Cooper customer service Rep called XXXX of Louisiana who set up a quote for payment by XXXX XX/XX/2023. I explained that I needed it to be delayed to XXXX XXXX so I could get to the bank for the wire transfer. XXXX said no problem but to add a day of interest to cover the delay. So, I wired the " quoted '' amount plus a days interest ( {$68.00} ) to Mr. Cooper, which they received. I called a Rep 2 days later to see if my funds were received. They had but, they said I needed a new quote to cover deficient funds. It was not told to me how much more I needed so I wired {$230.00} to cover the second quote ( {$25.00} ) and 3 days of interest to arrive on XXXX. The second wire arrived but was applied to my account and the previous larger wire funds was not applied to my account because of another deficiency. I much later found out that the deficiency was not for interest but for a subsidy of + {$7900.00} that Mr.Cooper wanted to retain but their Quoting System correctly subtracted it from the mortgage payoff quote. Discussions went on for another month and Mr.Cooper Payoff Dept would not approve any further quote payoffs and they never called or contacted me once to explain the problem. I finally got a Rep that finally got my original wire transfer returned to me almost a month after it was wired to Mr.Cooper. She has also been my advocate to discover what happened and explained to her own people why I should have my first quote honored as of XXXX XX/XX/2023 with no futher interest charges beyond that date. We even attempted a third quote on XXXX without success and those funds were wired back to me on XXXX XX/XX/2023. Because of my inability to get Mr. Cooper to accept a quote payoff from me without any direct contact with me as to why I was having a problem, I have not made any mortgage payments on my account except the first one on XXXX.
Product: Debt collection

These accounts should NOT be reporting on my credit file, as the medical center was instructed to bill my insurance carrier before these accounts were falsely placed in collections. There are also duplicate accounts reporting on my credit file ( See below ), which is causing severe damage to my credit worthiness and is preventing me from accessing new lines of credit. These accounts are injurious to my credit, I have sent in 2 separate re-investigation requests to XXXX for the following inaccurate accounts : Account Name : Medical Data Systems - Account # XXXX Balance - {$150.00} ( Non-compliant reporting ) Account Name : Medical Data Systems - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) Account Name : Medical Data Systems - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) The first re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 10 days ) and the second re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 14 days ). On both occasions, the above-referenced accounts have come back as " verified. '' I have requested the method of procedures be sent to me ( via us mail ) explaining the procedures used to verify these accounts and to date, XXXX has ignored my requests, which is my right under the FCRA. Medical Data Systems has also failed to provide me a notice of debt, prior to inserting these alleged accounts onto my credit report which is a violation of my consumer rights. I was not provided the opportunity to request validation of these alleged debts within the required timeframe. I have disputed these alleged accounts with XXXX, as well as the collection agency, and both parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.
Product: Vehicle loan or lease

Credit Acceptance is a predatory loan company. They did not disclose that there would be a {$2000.00} financing fee for the vehicle and falsely promised a {$5000.00} rebate for buying an electric car.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed that there were items that were not right. 
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Inquiry from XXXX XXXX XXXX  XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXX XXXX  XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXXXXXX XXXX  XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to a complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXXXXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to a complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Debt collection

I have been in dispute with XXXX XXXX XXXX which is a timeshare since XXXX. I pulled my credit and Concord Services has marked my credit that I am in collections but never gave me written notice of this. I should not be in collections because this is a disputed contract.
Product: Bank account or service

Wells Fargo put a hold on a deposit for 12 calendar days, and refuses to change this to a more reasonable amount of time. 

When I called the Customer Service number, I was told that this was " to protect my account '' and that it was because I had a number of NSFs ( which is due to WF 's creative bookkeeping ). I said that I understood holding the check to verify the funds from the paying bank, but twelve days is excessive. The CSR was unable ( and sounded unwilling ; she was very snippy ) to help me and directed me to visit a branch, which is impossible since I live in a XXXX Wells Fargo branches ( the nearest one is a XXXX XXXX XXXX ). I phoned WF branches in my hometown where the account was opened, and both times the bankers have been busy and no one has returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response XXXX XX/XX/XXXX that you need my updated email address which is ( XXXX. ) I sent a complaint on XX/XX/XXXX to remove Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA and Account : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$20000.00}, that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint. I am including it again.
Product: Credit card or prepaid card

There are three issues that resulted in customer confusion and ultimately the misapplication of fees and interest to my Bank of America credit card account after I had set up an automatic monthly payment starting in XXXX. 

Issue 1 : The Automatic Payment, set to process on the " due date '', would not process until 1-5 business days after the scheduled due date. For example, in XXXX, my bill was due on XX/XX/XXXX. The autopay was set to process on the " due date '' in Bank of America 's system, but it did not process until XX/XX/XXXX. See attached. 

Issue 2 : The Automatic Payment, set to process the " Amount Due '', did not process the monthly statement balance, rather the minimum amount due plus any fees/interest. This is highly confusion because Bank of America offers 4 payment options for the Automatic Payments : Minimum Amount Due, Amount Due, Account Balance, Fixed Monthly Rate. None of these accurately describe paying the monthly statement balance ( what Bank of America apparently calls Account Balance ), but Account Balance is a misnomer in of itself. 

The result of these two issues in the Automatic Payment system is that not only do customers autopay their bills later than the due date and incur late fees, but that interest is assessed on the remaining statement balance due because the AutoPay only pays the " Amount Due '' - or in Bank of America 's terms, just the minimum due plus fees/interest. This is not only confusing, but potentially exploitative if intentional - especially on an AutoPay system that is designed to make payments easier and less of a hassle. 

Lastly, it is worth noting that the customer support specialist and the credit card account specialist noted that this is a source of confusion for multiple customers. The credit card account specialist even indicated that she had put in a note about the issues for prior customers multiple times. As an informed customer already with multiple credit card accounts on automatic payments across multiple banks, this should not have been an issue - but I doubt I'm the only one who has had this issue. Here 's a blog that also describes the same issue from XX/XX/2019 : XXXX XXXX XXXX  Fortunately, I caught this in just under two months and under {$100.00} in late fees/interest. After only an hour on the phone with Bank of America, they were able to credit the fees and interest over the two-month period and help me change my Automatic Payment options so this isn't an issue in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry on my XXXX credit does NOT belong to me : Chase Bank Usa, N. A Inquiry dated XX/XX/2019 Chase called me and told me that someone tried to falsely apply for credit using my social security number and that they denied the credit. However, Chase has failed to remove the inquiry from my XXXX  credit report even after I sent them a letter to the following address : CHASE BANK USA, N. A. 
XXXX XXXX XXXX XXXX, DE XXXX
Product: Credit reporting or other personal consumer reports

I have been having a whole lot of trouble communicating with the credit bureaus. I have no idea why. 

If I call, I get put on hold for what seems like forever- with the worst hold music, to boot. I think that they put terrible hold music on in hopes that people will simply hang up. If anyone ever answers, it's always a foreigner with a thick accent that is difficult to understand. I threw my voice out and injured my throat yelling last night on the phone with a TransUnion rep after she told me twice that I was being rude or mean to her when I literally was not. My spouse as my witness.
Product: Credit card or prepaid card

I called the Citi Prestige card number regarding unauthorized charge on XXXX from XXXX in the amount of {$17.00}, andXX/XX/XXXX from XXXX in the amount of {$7.00}. According to Citi, those charge originated from XXXX XXXX XXXX and XXXX XXXX XXXX respectively. 

After the automated system put me with their customer service, I informed them that I need to speak to the fraud department, and transferred me to another agent. I explained to the agent that there are 2 unauthorized charges on my balance. The agent asked is I ever gave them my credit card numbers, and I told her " no. '' She INSISTED that maybe I gave XXXX my credit card numbers, and AGAIN, I told her that I NEVER give XXXX my credit card numbers. She asked me if I'm sure that I have never gave XXXX my credit card numbers, because she claims that this came from one of my old credit card numbers. 

At that point, I requested to speak with her supervisor, and indicate to her that she is wasting my time and made another request to be transferred to her supervisor. She raised her voice at me, indicating that she is NOT wasting my time, and REFUSED to transfer me to her supervisor. I hang up the phone and call back. 

On my second call, I immediately requested to speak with a supervisor, but instead I was put on hold for 10 minutes and disconnected. 

I called back again, for the third time, and requested to speak to a supervisor. I was transferred to an agent who identify herself as XXXX, from department XXXX. I let her know about my issues with the previous 2 calls, and asked her to give me an explanation about those behavior. Instead, I was met with silence for a good 10 minutes and my line was cut. 

I called Citi the 4th time, and when someone picked up the phone, they immediately say that they are having system issues and quickly hang up the phone! 

I have been a using the Citi Prestige Card for approximately 5 years, and paid an annual fee of {$490.00}. I'm really disappointed, hurt, and angry because of the treatment from the customer service agents, especially when I'm calling about two fraud charges on my account. This is something that needs to be taken care of right away, instead the customer service agent violated my rights to dispute those fraud charges, doubt my judgement, and borderline made false accusation that I authorized these charges. 

I wish the initial phone call really just went smooth as any other fraud calls. I wish that they would put a fraud hold on my credit card, quickly overnight a new credit card to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I recently discovered inaccurate information being misreported against me regarding a tradeline account with XXXXXXXX XXXX  account number : XXXX XXXXXXXX XXXX is reporting a 90-day late payment on my consumer report. I was never 90 days late as this company implies. This is not only an inaccuracy, but misleading and damaging to my financial reputation. Per the Fair credit Reporting Act 15 USC 1681 ( a ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I was never late as this company implies.
Product: Credit reporting or other personal consumer reports

This is very frustrating. Experian is not properly investigating my credit. I have sent multiple documents showing this account is not mine, police reports etc. the other credit bureaus removed XXXX XXXX because I presented the proper documents. Experian is ignoring my rights and letting outsiders access my personal information each month and is harming my reputation! They are fake verifying me with old addresses I never lived at. They are not properly investigating.