23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XX/XX/2019, I received a letter from Capital Accounts  stating that I owed a debt of {$460.00} to their client, XXXX XXXX XXXX. On XXXX XX/XX/2019, I sent, via certified mail, a notice of dispute and requested that Capital Accounts provide 1. The full name and mailing address of the original creditor for this alleged debt ; 2. Proof of my agreement to pay the original debt ; 3. A copy of the final account statement issued by the original creditor ; 4. A breakdown of the total amount due, showing principal, interest and other charges ; and 5. For all other charges, the date and basis of each charge ; 6. Documentation showing that you are licensed to collect debts in Virginia. 

Furthermore, I stated that because I was disputing this debt they should not report it to the credit reporting agencies. Should they have previously reported it, prior to my letter dated XXXX XX/XX/2019, I requested that they notify the credit reporting agencies that the debt is being disputed and/or delete the trade line from my credit report. 

On XXXX XX/XX/2019, I received a second letter from Capital Accounts reasserting that I owed the debt of {$460.00} along with notice that Capital Accounts has reported this delinquent debt to the credit agencies. 

On XXXX XX/XX/2019, i sent, via certified mail, a second notice of dispute and requested that Capital Accounts provide the information that I requested in my first letter as I do not believe that I owe this debt and reminded them that as of the XXXX of XXXX, I have not received a response to my original letter in the timeline outlined in the Fair Debt Collection Practices Act Section 1692g.
Product: Mortgage

I applied for the cares act protection plan for one year. they refused to give 1 year option only 6 months. 

they constantly harass me about my income which is illegal according to the cares act. 

they also blocked payment options on the mobile app thus preventing me from trying to make any payments. 

they also sent a letter before the 6 months was up stating i will lose my home because im 6 months behind stating i owe the full 6 months. 

the cares act allows me to use the paused 6 months as 2nd lien due after the 1st mortgage.
Product: Vehicle loan or lease

Please see complaint ID XXXX. 

Chrysler Capitals response is not correct. I have already spoken with XXXX XXXX I do not owe them anything. Their dealership who I went in to finance out my XXXX lease XXXX XXXX States I owe them XXXX. I have received harassing letters and texts from XXXX XXXX in accounting stating they will report my account to collections. Chrysler Capital I have called them two times asking if they received my payment and why I am being charged these fees. They also will not tell me the credit score they pulled my report multiple different times and my credit bureau is not showing what they say I have to give a 21 % interest rate. Now that I pulled out my contract they charged me many additional " new car fees '' which this was not a new car. There should be no lemon law fee, new tire fee, battery fee, license and tag agency fee. There were already plates on vehicle and I have paid for my own registration. I asked the accounting department why they are harassing me about this XXXX fee when in fact I have come across some discrepancies of my own. XXXX XXXX has confirmed there is nothing due and Chrysler capital will not disclose why their dealership is charging me XXXX nor will respond to what credit score gave me a 21 % interest rate. All my credit bureaus show other wise and I showed them this in person. I now show multiple injuries on my credit that I did not agree to run it more than 2 times. Once in XXXX and once in XXXX should have the only time I authorized. My credit is a XXXX and they not only took advantage of my interest rate they overcharged me for fees that is illegal to do because they think im a woman and wouldn't notice. Its against the law to discriminate against a woman and try to scam someone. You closed the previous file but Chrysler Capital has yet to refund me any fees owed. XXXX XXXX was already contacted. Chrysler capital needs to refund me the money their dealership they are working.
Product: Money transfer, virtual currency, or money service

Hello I am the latest victim of online money scam. Someone deceived and was able to get me to transfer {$1500.00} to him through XXXX on XX/XX/XXXX. I used Chase Quicky Pay With XXXX features from Chase Bank to transfer {$1500.00} to that person. 

Upon realising next day that person was fraud, I reached out to Chase bank XXXX XX/XX/XXXX to explain my problems but they did not bothered to help me on this. Per them anyone transferring money through Chase QuickPay is not protected by bank and i should be reaching out to XXXX. There is no customer support from XXXX for this kind of issues and i should be reaching out to my bank rather. I again reached out to bank on XXXX XXXX but of no help. 
I have also registered a complaint to with local county police about this fraud but not sure how much they would be of help to me. 
I believe as this feature is integrated with online banking, so bank must help customer and be liable to protect the money.
Product: Credit reporting or other personal consumer reports

I was out sick in the hospital and when I tried to apply for a loan to pay medical bills I was denied due to someone trying to open credit lines and other lines without my consent causing me to have inquiries
Product: Money transfers

opened a account with pay pal and attached my checking account to the XXXX. the money was taken out of my savings. I have filed account with paypal they state it is not their fault. Also I have a pay pal XXXX which was closed because XXXX of my payments did not go threw. I make my payments threw pay pal and my back up is my bank account. Because of the money being taken out of the wrong account and nsf charges their was not enough funds. I sent documentation to XXXX showing all the issues and the reason it happened. Also gave them a letter from bank stating their were funds in the account. They will not reopen. The issue is on the ACH paperwork which is attached. wrong coding was used the complete bank account was not used. Please see attached pw
Product: Debt collection

reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I purchased a Honda Dirt Bike from XXXX XXXX Honda XXXX in XXXX XXXX, FL. I financed the bike through American Honda Finance. At that point, I did not receive mail at my home address or even have a mailbox there. All mail went to my office. The dealership must have incorrectly submitted the home address on my drivers license, as I specifically told them my office mailing address. 

This was not brought to my attention until I received a phone call from American Honda Finance indicating that my FIRST payment was late. I told the representative that I never received the statement, immediately updated the address ( they had the wrong address on file ), and promptly made payment. I never made a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting a debt that was not verified in 30 days according to fair credit report act. XXXX and XXXX deleted the false report but Experian continues to report. The request was made verbally via call in XX/XX/XXXX with no response from creditor. And then a written request was submitted and received by the creditor on XX/XX/XXXX. The company failed to verify the debt. As of XX/XX/XXXX ( a month beyond the 30 day window or 65 days later ) the company had still not responded. 

Numerous letter have been sent to have this removed and they keep saying its verified when clearly it has not met the requirements.
Product: Debt collection

LVN funding is violating my rights I don't have any knowledge of this account they have no written permission or permissible purpose to place this account on my credit report I'm asking for them to produce a forward flow agreement of this alleged debt. 

Account # XXXX
Product: Credit card

On XXXX I went to merchant and made a purchase for {$81.00} in the drive through. I accidentally left card in drive through at merchant and pulled off. Before i could even get a block away I realize this and turn around. As im sitting in the drive through a second time to get my card I get a text notification that someone at the merchant had made a {$320.00} purchase on my card. I immediately hop out of the drive through and go inside of the store to find out whats going on. When I explain to the employee up front what happened she goes to the back for about 10 minutes to talk to her manager. Im sitting on hold trying to get ahold of capital one when the manager comes from the back and strangely hands me my card and apologizes saying the charge will be reversed and it was a mistake. I dont know how you mistakenly charge a card that isnt yours {$300.00} plus dollars but thats what i was told, and to wait 3 days for it to clear. So I call capital one that same day anyway and explain the situation. The rep tells me to wait to see if it reverses before filing a claim and ordering a new card because it could mess with the transaction if I flat out cancelled my card. So i instead locked it to wait and see and sure enough the charge posted. So i call capital one again and explain the situation to a new rep who honestly seemed like he didnt know what was going on or how to do anything on his end. So i had to call back again once he said he couldnt or didnt know how to file a claim which was insane. So on XX/XX/ with the final rep i explain the situation and they go ahead and cancel my card and file the claim. There is absolutely no way they actually investigated the claim as they ended up filing a resolution saying that I benefitted from it which theres no way I could benefit from this purchase. There are cameras at the merchant everywhere and now im being forced to pay for something I didnt buy when a simple investigation, or rather an actual investigation would let you know I did not make this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date they have not responded. 


The following account is not mine XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$560.00} ). Please remove it from my credit report. 
The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$580.00} ). Please remove it from my credit report. 
The following account is not mine XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$400.00} ). Please remove it from my credit report.
Product: Mortgage

Beginning XX/XX/2013, Ex wife, ( XXXX XXXX XXXX ) was encouraged to stop paying on house mortgage in order to qualify for a Loan Modification. Chase Bank completed a loan modification initiated by my former spouse without prior written notice or authorization by myself as the primary on the note in XX/XX/2013. 
In Loan Modification section marked ... My Representation on page 2 item C reads : " There has been a no change in the ownership of the property since I signed the loan documents. '' Original Loan and Title was taken / placed in both of our names, both signed loan documents, so statement she signed as TRUE in my representation on page 2 item C, is NOT true. 

If a Quick Claim Deed gives her all interest in the property, the ownership did indeed change from both of us to just her, making the above statement FALSE ( see My Representation page 2 item C ) because ownership of property did change. 

I have been unable to obtain a response from Chase Bank as to why this loan modification was permitted to happen without notifying the primary borrower ( myself ). As I am responsible for paying part of monthly payments. ( bank statements of payment are available if needed ). I feel I should have been involved in the process as I am co-owner on the property. See enclosed divorce decree. 

Loan modification was completed by Chase Bank with my ex wife without my knowledge or signature. My name appears only on the mailing page. Ex wife SIGNATURE is only one found anywhere on the loan. 

The Company involved is JP Morgan Chase Bank with my ex wife, XXXX XXXX XXXX ( XXXX ) and myself, XXXX XXXX.
Product: Checking or savings account

Called Wells Fargo regarding fraudulent charges at 2 locations that I, never go to. These were 2nd time happened within couple of months. The difference was that the previous activity was done online. The charges this second time, worth {$33.00}, happened on same day one after the other. The locations are close to our house, but I nor anyone in family ever go. I do not drive so only travel with one of my daughters. Wells Fargo sent letter saying that it is not fradulent thst my card was inserted in. I had my card with me whole time did not lose it nor did anyone else take my card without my knowlwdge to use it. Since same thing happened to my brother, where they tried to say that it was my brother, who is in Virginia, who was using his card in California when he hasn't been to california in years. After several attempts Wells Fargo reopened case and he was able to get his funds back. Similary, we asked to reopen my case and reinvestigate. They refused..instead I have been yelled at on the phone by multiple people and hung up on multiple times, even by so called managers. For this reason I do not like to get on phone to talk but they will not talk to my daughters even on speaker phone and with me giving permission for them to be on the call. I have been told different things each time. I was told that they can mail my documentation to show that it was me who authorized the charges very next day after the call. Never happened so I called again to be told it will take 14 days..never happened to be told last time I called that it'll be 30 days. {$33.00} may not seem big, but to someone, as an XXXX yo, who is only living off of social security, that is a lot. Just last week again, I had to call with additional fradulent charges. This time, they took care of it right away and credited the amount. Told the agent who helped out about my previous charges issues. She stated that a manager would call, but I haven't received a call yet. This agent also said that documentation is never mailed out, unlike what the previous people told me. She is also the only one who acknowledged that card cloning still occurs. I just received notification last week that from my last hospital stay in XXXX, my information had been caught up in a huge breach. It sounds too coincidental with the repeated fradulent charges on my account. I have never had an experience like this with anyone, nor have I ever been treated so disrespectfullly as I have been by Wells Fargo. I opened up an account with XXXX XXXX over 38 years ago when i first moved to the country and just continued through the mergers from Wachovia to Wells Fargo. It is disheartening that all these years, I never had issues with them to be treated as I have been lately. It's disappointing to know they don't value customer service.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Experian a couple months ago and they have not given me the investigation results or any correspondence in response to my dispute. The dispute was about a XXXX XXXXXXXX account that I believe was reporting incorrectly. I do not know how to expertly read a consumer report so I am requesting that Experian ensure that all fields are accurate, complete, and verifiable. In my dispute I mentioned that the furnisher did not give me a written notice stating that they will furnish negative information and that I want the them to request from the furnisher proof that they have provided me that information. Please see attached. Additionally, the account is closed but it is reporting on a monthly basis which is inaccurate and incomplete. The Experian legend has a closed legend status and it shows that the account is closed but a closed account can not continue to report.
Product: Payday loan, title loan, or personal loan

I applied and received a PPP loan through XXXX ( paypal ) of {$20000.00} on XX/XX/XXXX. I've applied for the loan forgivenss through them two times. Once in XX/XX/XXXX and Again on XX/XX/XXXX. Every time I call to follow up or login to check the status the system doesn't work. Then they don't answer. My security questions won't work. Then when I call to rectify the problem they put me on hold or transfer me from person to person causing me to be on the phone for long wait times averaging about 45 minutes per call. Then they can't answer simple questions as to when i can expect an answer from the XXXX. They tell me to complete new forms. In XX/XX/XXXX I submitted the XXXX XXXX Form. Then this XXXX they told me to fill out the XXXX Form. They can't provide me the exact dates of when the forms were submitted. I have confirmation and receipts and they refuse to email me copies. 

They seem to intentionally give me the run around and won't give me answers as to when i can expect a response. They told me today that the beginning of this year that the XXXX stopped taking applications. But yet they said to fill out the form in XXXX. Also why wasn't my original request in reviwed in XXXX of XXXX? The attachement has all the pertinent loan information.
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC XX/XX/year> {$1200.00} LVNV Funding LLC XX/XX/year> {$850.00} LVNV Funding LLC XX/XX/year> {$880.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} I have never heard of these companies and have not taken out any loans this year. They are stating that they are open account when I have not heard of them or taken out any loans with them.
Product: Credit reporting or other personal consumer reports

XXXX, is in violation of 15 USC 6801 & 6802 by reporting this account ( non-public information ) on my consumer credit report without my prior consent and/or authorization. Credit Acceptance provided no inconspicuous " Opt-out '' or " Right to Rescind '' forms during or after the opening of account XXXX as required by law in accordance with 15 USC 1635. Both XXXX and Credit Acceptance have also violated 15 USC 1611 by willfully providing false and/or inaccurate information on my consumer credit report. As a result, I am harmed due to being denied full access to credit, which has created financial hardships for my family and I.
Product: Mortgage

My wife and I initiated a loan on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX in XXXX. This was an interest only loan, and it had an expiration date of XX/XX/XXXX. Payments were all made on time and without delay from XXXX to XXXX. 

We are currently disputing the charge that we were delinquent with Bank of America ( BOA ). XXXX years into a 15 year interest-only mortgage, they maliciously removed us from autopay in XX/XX/XXXX. They erroneously stated I was delinquent in a letter on XX/XX/XXXX, and was not eligible for their autopay service, which is in violation of their pay plan contract. They ( BOA ) discontinued the autopay service. Once I was made aware XXXX weeks later, I made all accounts current immediately. We have subsequently paid off this mortgage in it's entirety in XX/XX/XXXX. 

Please note our defense is as follows : My credit union statements demonstrate on-time payments prior to them removing me from autopay. 

Additionally, I am working as a first responder, in the capacity of an emergency room physician, credentialed at XXXX public health service hospitals. I have been traveling extensively via automobile over the past XXXX years during the XXXX crisis, and I have not been able to be home regularly to receive my mail. It was only after Bank of America generated the stop payment that my loan went into arrears. I was never notified via text, email, or phone regarding this change of autopay, and only received their letter when I returned home 23 months later. 

Because of my loan being entered in arrears, my credit score was significantly damaged and I was unable to refinance the loan prior to its closure. We have suffered damages in that we had to liquidate a retirement account ( XXXX XXXX ) and pay tax penalties to pay off the mortgage balloon payment as my credit score had been so heavily damaged by Bank of America.

I did not know about or approve being taken off the auto pay plan ( BOA PayPlan ) in XX/XX/XXXX. BOA removed me from their auto pay plan when I was XXXX months out from completion of my interest-only mortgage. Their bad business accounting practices have made it difficult to uncover the errors.
Product: Student loan

I was approved for XXXX private loans between XX/XX/XXXX and XX/XX/XXXX. The loans totaled just under {$50000.00}. I now owe almost {$100000.00} on for them despite having made almost continual payments since my college graduation in XX/XX/XXXX. These loans were serviced first by XXXX XXXX and then by Navient from XX/XX/XXXX to XX/XX/XXXX, at which point I was able to consolidate them with a move reasonable company. During those 9 years, the loan servicers were incredibly unforgiving of any personal or financial hardship I experienced. During my mother 's illness and death I was unable to work as I was caring for my mother. XXXX XXXX was unable to put me on any sort of payment plan other than the full amount, which forced me to defer my loans which increased the total amount owed significantly. Following that, they were unwilling to enroll me in any possible payment plans, frequently telling me there were no plans available for my loans. The debt of these private loans has prohibited me from buying a home, traveling, and experiencing other typical life events, despite working XXXX-XXXX jobs at all times to pay them back. I currently pay more in student loan payments each month than I do in rent in XXXX. 

The most alarming part is that I should never have been given these loans in the first place. I had no established credit at the time. Now, as an adult, I do n't understand how I was even allowed to be given these loans. I make a lot more money and have significantly better credit now and can not receive a loan of that size. I understand that the CFPB is sueing Navient and cases such as mine have been included. Would my loans fall under this lawsuit as well?