23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called Syncrony Bank, who finances my Lowe 's card about a fee that was applied to an outstanding balance of {$14.00}. I was charged an additional {$14.00} late fee and an additional {$2.00} in interest resulting in {$16.00} applied to an outstanding balance of {$14.00} that was a week late. I asked if this was a mistake and I was told that it wasn't. So I asked what is the late fee policy because this seemed insane. I was told that it depends on the situation, leaving me to wonder how much of a late fee would be applied to a larger purchase. I asked for my account to be closed and paid my balance including the fees. I'm not an attorney, but this doesn't seem legal.
Product: Mortgage

HI, MY NAME IS XXXX XXXX SINGLE MOM TRY TO STAY AT MY CURRENT HOME I BEEN HERE FOR 17 YEARS THOUGHT THE PAST 3YEARS LIFE HAVE MANY CHANGES XXXX XXXX XXXX XXXX XXXX XXXX FOR A MOTHS ALSO MY CHILD .THAT WAS THE FIRST TIME THAT APPLY FOR THE LOAND MODIFICATION TO LOWER THE PAYMENT/ WHAT THEY DI THEY PUT ME IN TRIAL FIRST .AFTER TRIAL OVER 3MOTHS WAS OVER THEY TOLD ME I WAS ABLE TO MAKE THE PAYMENTS,, AND I DINT QUALIFIED BECAUSE IS NOT THE BEST INTEREST FOR THE LENDER, BUT CONTINUE.DEMANDING FULL PAYMENTS KNOWING IN PAPERS THAT I CAN ; T COME UP WITH THE PAYMENT.OVER WORKING THEM FOLLING YEARS EVERYTHING GOT WORSE ECONOMY PRICES FOR GROCORIES WHEN UP SKY FUEL AND SO ON WORKING 7 DAYS GOT SICK MANY TIMES BECUSE NOT RESTING .MY INCOME HAS BEEN THE SAME, SO APPLY AGAIN FOR LOAN TO BE AFFORDABLE THEY SPEND OVER 3MOTHS TO REVIEWS MY DOCUMENTS AND EVERY TIME THEY ASKING FOR REDICULOUS PAPER, WHEN FROM THE BIGGINING I SUMIT TAX DOCUMENT FOR TWO YEARS 3MOTHS PROVEE OF INCOME EVERY THING THEY ASK. 
AT THE END OF THE 3MOTHS THEY CALL ME TELLING ME THEY DONT GOT ANY SOLUTIONS FOR ME THAT I DONT HAVE ENOUG INCOME .BUT AFTER THAT CONVERSATION WITH XXXX / 3DAYS LATER SELECT PORTFOLIO DEMANDING FULL PAYMENTS .EVEN MY ESCROWS ACCOUNT IS HIGHER THEM PRINCIPAL AND INTEREST ..ALSO PREVIOUS 2MOTHS THEY HAVE MAKE ERROR IN MY ACCOUNT/ REPORTING TO THE CREDIT BUREA THAT I OWN THEM MORE/ I DISPUTE THIS THEY FIXED BUT, NOW THEY ASK FOR MORE $ TO ESCROW XXXX XXXXTHEY LIE TO ME/ I BEEN GETTING SEVERE STRESS BECUSE OF THIS SELECT PORTFOLIO IS A MORTAGE THAT HAVE BEEN PLAYING THIS DIRTY GAME TO HOMEOWNER ALL OVER U.S.A .AND GETTING AWY BY KEEPING THE HOME FOR THE HOME OWNERS AT THE END SELECT PORTFOLIO THEY DONT WANT TO HELP YOU..THEY WANT TO KEEP MY HOME? THE LENDER THEY KNOW MY HOME IS VALUE TO KEEP FOR FREE IS NOT A JUNK HOME OR BAD NEIGHBORHOODS/ OTHER WISE LONG AGO, LONG AGO THEY WILL MODIFIED MY LOAND OR GIVE ME, OPTIONS. SO AFFORDABLE ABLE TO MEET THE PAYMENT WITH OUT STRESS .NOW SELECT PORTFOLIO THEY ARE SAYING I GOT 30DAYS TO APPEAL THERE DECISIONS MAKING ME BELIEVE THEY WILL DO SOMTHING // THEY JUST WANT TO KEEP MY HOME /THEY GOT VERY BAD REPUTATION.IS THE WORSE COMPANY EVER .EVEN GOT LAWSUIT IN THE SUPRIME COURT FOR THE SAME ISSUE REFUSES TO HELP THE HOMEOWNERS.
Product: Student loan

My lender will not work with me in any way to make income contingent payments. My monthly loan payment costs more my wages for had of the month. This is causing undue burden on my family and making a living impossible.
Product: Mortgage

I am XXXX XXXX, I was contacted in XX/XX/XXXX in ref to the home at XXXX XXXX. Where my brother XXXX XXXX had lived until his death until XXXX of XXXX, I was informed of the mortgage on the home and asked if the family would be willing to take over the payments. I was informed that they needed a copy of his death certificate and a summary of my relationship to XXXX which I faxed. From that point, I would called Loancare to inform them that I had not received any paperwork and each call I started to get a run-around. I reminded Loancare that they contacted me, and was told my name was found in the file and now they have an issue with speaking with me. 
I received a phone call from professional services who informed me of the house being on a foreclosure sale and provided me with the name and phone of the legal firm involved. 
When I pointed out the incorrect information on the application and asked who assisted with the application, and accountablity in these actions. The family does not want the home sold and was told that they also could help in getting the payment lowered. I just want the packet sent and how do I make the payment of {$260.00}? I have spoken with my city , county government and legal aid. They all agree something is wrong. I feel that the family is being viewed in a negative light due to possible communication or behaviors from XXXX children, which the family has no connection with. Again, we/siblings are willing to pay the mortgage on our family ( parents ) home at XXXX XXXX.
Product: Checking or savings account

About 3 weeks ago, my checking account was hacked 2x through XXXX for {$2000.00} each to the same XXXX XXXX account. One went through one was caught. I went in and closed my accounts, opened new ones, changed my user name, new hard PW, and quite XXXX, deleted it, etc. On XX/XX/18, XXXX again got into the new acct for {$2000.00} for XXXX XXXX ( I do not know such a person nor did I authorize it ) and when I called fraud unit back to verify it ( thats when they told me who - I asked if XXXX XXXX XXXX XXXX XXXX said yes ) then XXXX said they had to hold my accounts - I said what does that mean? He froze them from me - a fair amount of money was frozen from me - as well as credit cards, access to all my accounts was blocked. I could not pay me bills, buy medicine, or food or anything. We have been fighting since and I have been told the hold is for my own good. I asked where is your court order to HOLD MY Money - and how is my not eating or getting my meds my own good? No access at all. They have in affect stolen my money = and they deny me access to cc so how can I pay them - auto payments are denied and I can not view them nor pay them and are they of course are charging fees for this - their punishment to me for their allowing my account to be hacked. What gives Chase the right to keep my money when it is mine and I need it?
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries have shown up on my credit report, violating 15 USC 1681b ( c ) ( 2 ). This incorrect information is lowering my credit score. Please remove them.
Product: Credit reporting

XXXX XXXX Account # XXXX Please delete and update my records/credit score. 
I paid this in full and never use it again.
Product: Debt collection

Vinci Law Office ( XXXX, Colorado ) had a debt placed with them from a bank which was under the impression that I owed them money. The debt was disputed immediately on my end, and the collection practices continued. The debt is now past statute but they are attempting to obtain a judgement with a court date set for XX/XX/XXXX. 

The amount of the debt they are claiming I owe is {$2800.00} from a date of service XX/XX/XXXX ( XXXX years old ). 

XX/XX/XXXX - A Cease Communication Order was faxed to Vinci Law Office from myself ( with confirmation of receiving ) XXXX The process server hired ( XXXX XXXX of, or formally of Agency XXXX XXXX XXXX XXXX , CO ) was sent out to serve my papers and attempted to do so at incorrect addresses as well as a former place of employment. 

XX/XX/XXXX - Called Vinci and spoke with XXXX who said did see cease communication in place, and addressed the improper behavior from their process server ( XXXX XXXX ) towards me on the phone, stating he would pass along my complaint. 

XX/XX/XXXX - XXXX XXXX ( process server ) attempted to serve me at the SAME incorrect address as attempted on XX/XX/XXXX ( considered harassment ). 

XX/XX/XXXX - XXXX XXXX appeared on my property to serve me papers from a debt which is past statute of limitations. As I attempted to get a plate number from the vehicle he was driving in order to verify, or complain if needed, XXXX began calling me profane names ( including " XXXX XXXX '' ) His direct harassment towards me was recorded on my cell phone. When I called Vinci, I spoke to a gentleman named XXXX who stated he showed my case was closed, and was unable to help because of that. He suggested I email their legal department. I did email the legal department to get clarity on XX/XX/XXXX, with no reply. I sent another follow up email today XX/XX/XXXX. 

I would like to file a complaint for both harassment from the process server hired to serve my papers, as well as against the agency for attempting to collect a debt which is well past statute of limitations in our state.
Product: Credit reporting or other personal consumer reports

Ive sent in multiple disputes with hand written letters, XXXX, XXXX, and all type of other personal information and Transunion refuses to complete my disputes. I have made many phone calls all to get nothing resolved. They supposedly made notes on my account, but never did. Ive spoken with supervisors as well with no real solution. I am a XXXX of identity theft. I have completed FTCs and everything else in order to get these accounts removed from my report. FCRA XXXX and FCRA XXXX
Product: Debt collection

Tendered payment to satisfy debt and they continue to damage credit with false information
Product: Credit card

I have XXXX credit cards with Chase Bank. In the past 2-3 years I have sent well over {$600000.00} using their cards. From the very beginning of using their cards, I have never been late XXXX single time for a payment during any month. When I make payments, it is usually in thousands of dollars done XXXX or XXXX or 4 times a month. They say I am a very good customer and thank me for making them so much money as a good customer. As they make their XXXX % on my balances, at the same time they are reporting to the credit reporting agencies that I am a risk of missing a payment and the reporting agencies have labeled me as a very poor credit card risk with a very poor utilization since I use so much money. They rate me very poor and this reflects in a lower credit score of about XXXX. With a score that low many underwriters take my application for growing my business and deny me the opportunity to borrow money to make more money. The credit card companies would like me to use not more than 15 % of the limit showing I am worthy, but then I ask what is the point of having a credit limit, especially if I can utilize that {$15000.00} limit and make those payments with no lose or risk to them. It appears the banks have it both ways in that they make a ton of money off me, get paid, never chase me for money and tell all creditors I am not worthy of any additional credit. What the banks and the credit agencies do not even consider is my mrtage payments monthly are about {$9000.00} a month and I have not been late in the past five years with any payments. The characterization of the credit card agencies does not give an accurate profile of what I can afford in a monthly payment. If you look at the payment history of my profile, not only do I make the monthly credit card payments, the mortgages, the loans and when all monthly payments in my life are totaled they approach {$30000.00} a month. BUT, the credit reporting agencies are telling everyone that looks at my credit that I am a poor risk because I utilize my credit with the banks. Since the banks are in business to make money, and they do make money off of me, how is it fair they can also tell any creditor who looks at my profile that I am a very poor risk. This is wrong, everyone I speak with tells me this is wrong and yet in the banks and the credit agencies continue to demonize me financially and should not be allowed to do that. I can not refinance anything or borrow any money due to the erroneous profile of the banks and the erroneous profile the credit reporting agencies give me. I am livid they have the power to get away this this sham and what makes me even more angrier that no bank will answer my concerns and credit reporting agencies use the rhetoric of " we only report what we are told ''. The XXXX agencies should be investigated by the government because XXXX out of every XXXX people will all say what they mess they make of their lives.
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 ite
m 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: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

For months, Ive told Affirm that I was a victim of fraud. There are multiple loans in another persons name with their payment information not mine. The company refuses to remove the information and has reported the identity theft to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of XXXX mortgage account on credit report. I recieved correspondence back stating they were unable to validate due to the account being apart of bankruptcy and would violate privacy laws. I requested them to remove, on 4 occasions, they refused. Please remove as it is affecting my ability to obtain new credit
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} 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 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 XXXXXX/XX/year>
Product: Credit card or prepaid card

chase sapphire reserve trip delay coverage contracted through eclaims is a scam. eclaims politely denies all claims for any reason
Product: Credit card

I had fraudulent charges for an amount of {$37.00} in XXXX of 2023 on my Barclay 's credit card I have been trying to have them removed only to get a run around from the company with them now adding late fees for that amount
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, 3 major credit reporting agencies, insurance reports, etc ... We are requesting that this company removes all information that it has listed for both us and wipe the report clean. We are requesting that the company sends each of us SEPARATE copies of our consumer reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again until all matters have been resolved. We are requesting that they refund us for the extra money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further.
Product: Credit card

XXXX XXXX XXXX had a massive data breech, and my information was compromised. Capital One was one of the credit card companies that my identity profile was used at. I filed a police report, and contacted Capital One.
Product: Credit card or prepaid card

1.In XXXX XXXX. 2012, I was trying to pay the diesel purchase in XXXX gas station when I traveled in state ( GA ), the transaction was declined. 

2.I call the customer service for resolution immediately, and follow up their instruction for verification.

3.the representative misstep the processing and put my account on hold, to getting me to wait 7-10 business days for a letter for verification.

4.during the phone call the representative hang up the phone 2 times with bad manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone seems to have access to my personal information and is trying to ruin my credit. In XXXX of 2021, a debt from XXXX XXXX appeared on my credit with a balance of {$260.00}, this debt has no account number, just a po box and a phone number. I made several calls to them and spoke with a young lady by the name of XXXX. I have been unsuccessful in rectifying this problem. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do.
Product: Mortgage

This Bank is beyond intolerable. Their practices are unethical and lacking in empathy or competence. Their back office department that handles underwriting or the approval of loan modification/ subordination agreements is the most disorganized and difficult areas I have encountered thus far! I was approved for and successfully completed a COVID assistance program that ended after one year. I received paperwork to have notarized by myself and my incarcerated husband and we both signed subordination paperwork NUMEROUS times, but are continuously met with issues. I have been more than patient with this banks pathetic communication system between front end and back end. I do not want my credit affected by their lack of processing this paperwork given to them by myself and my husband on MULTIPLE OCCASIONS!! I am already paying the new agreed upon adjust monthly payment amount and STILL havent received confirmation my account has been registered correctly with them. I want this issue fixed ASAP!! No one has even attempted to contact me after numerous requests for a manager to do so. This bank is absolutely the worst bank I have ever dealt with and I hope I never have to finance with them again!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account number XXXX is reporting this debt as an auto loan indivual account on my equifax, XXXX, XXXX, and XXXX credit reports. This account is a corporate account belonging to XXXX XXXX XXXX XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) is a federal law that requires companies to remove or correct inaccurate information from consumer reports : this entire account needs to be deleted from my credit report. I finally obtained old financial statements from XXXX XXXX XXXX XXXX XXXX  after begging and begging them to help me prove that this debt is not mine and they finally helped me. attached is the proof that XXXX XXXX XXXX XXXX XXXXXXXX is the owner of this account with print outs of their statements with payments for the vehicle. This needs to be removed immediately. It is not an indivual account it is a corporate account
Product: Student loan

Loan funded Role : Borrower Applied : XX/XX/2018 ( 4 months ago ) Financing Amount : {$2700.00} Interest Rate : 14.50 % School logo Application Ref # XXXX XXXX XXXXXXXX XXXX Start Date : XX/XX/2018 I attend XXXX of XXXX, Fl for a XXXX XXXX which cost XXXX as told with option of monthly payments that was never made clear until I finish the course and started receiving email how I need to make $ XXXX  monthly payments when I talk with climb credit the company who loan the money for the XXXX XXXX told me over the phone monthly payment are set by me I pay what ever I can offered so I said ok. A few months later I'm being told I have to pay {$500.00} because I miss two monthly payment when on their web site ( climb credit My Applications login ) I cant set up my monthly payment plan to what ever I like. Why have this option if it will not be honor this makes no sense how can I choose my monthly payments in the first place if this institution imposes a mandatory monthly payment please help they are practicing illegal lending thank you.