23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I got my SSXXXXI payment and a phone company that I had issues with and got my phone with was unable to fix them so I had to change companies. I called them several times to get them to issue me a bill so I could pay it not out of my checking account that my SSXXXXI comes into and I pay my other bills. I told that they couldn't take the XXXX out of my account and I then disputed it with the bank the bank gave me a temp credit and then they gave the phone company the whole check back. {$1100.00}. Initially it was {$60.00} a month but they couldn't hook up my phone so I had to find another carrier. I tried to talk to someone to help me not to get them to debit my who SSXXXXI check but they said there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of the West has incorrectly reported our loan as late in XX/XX/2019. As soon as I noticed it, I contacted them, as well as XXXX  to get it corrected. I have since contacted both companies 5 times over the past 8 months, to get this item changed to not showing as late, but it is still incorrect. I am not getting anywhere with either of them. I have sent documentation to both, and it is still showing as late. This is the only derogatory item on our credit report and it is impacting our report and score.
Product: Credit reporting or other personal consumer reports

Upon checking the data breach by XXXX I realized an account this due to fraudulent activity. It is an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are inquiries I did not authorize This account is causing me financial hardship due to this data breach I'm seeking financial compensation for this account hurting my credit and making me vulnerable to threat.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
My credit report includes the following erroneous information that needs to be investigated and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX ) XXXX Balance {$1400.00} Date Opened : XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of several charge-off accounts listed on my credit report. I believe these accounts contain errors and require further investigation. 

The following accounts are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you thoroughly investigate these accounts to verify the accuracy of the information reported. Please provide me with detailed information Thank you for your prompt attention to this matter. 

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

Remove hard inquiries from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFA XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

5 years ago, we executed a loan modification and were up to date on payments until XX/XX/XXXX when my spouse lost income due to Covid. At that time we asked for, and received a forbearance. The servicer website indicated 3 options after forbearance : 1-Loan Modification, 2-Reinstate, 3-Refinance Our forbearance period ends XX/XX/XXXX. On XX/XX/XXXX, we requested to come out of forbearance and modify the loan. We are able to make the mortgage payment, {$2500.00}. on XX/XX/XXXX. 

The servicer, Mr. Cooper, communicated the loan owner, XXXX XXXX  XXXX XXXX XXXX XXXX, declined the loan modification for the reason that the loan was already on a loan modification. 

Per a letter from Mr. Cooper dated XX/XX/XXXX, the only options approved was a Short Sale, or Deed In Lieu. 

Complaint 1 : the servicer, Mr. Cooper, NEVER indicated that we could not do another loan modification at any point in forbearance. 

Complaint 2 : the loan owner, XXXX XXXX  XXXX XXXX XXXX XXXX, is unwilling to modify the loan. 

We have lived in this home for 20 years and want to keep our home.
Product: Debt collection

i was involve with in one credit acceptance law suit where Thousands of Massachusetts consumers, many of them first-time car buyers, put their faith in XXXX  to help them with an auto loan, but were instead lured into high-cost loans, fell deeper in debt, and even lost their vehicles, which the state of Massachusetts won and my debt was supposed to be resolved but time i talk to the supervisor is busy and should call again some time.
Product: Vehicle loan or lease

My car bill is on auto pay. To my knowledge the bill was getting paid every month. It appears that one payment was received by the company but then rejected. I was never informed that the payment was rejected. One payment was overdue for several months but every month a payment was made. The company has not been able to help me in this unfair situation. I cant get a mortage because of the late payments that was reported even though payments were made.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 sections 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 SA Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1581c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items 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, credit repair services, or other personal consumer reports

I, XXXX XXXX, am sending this complaint on behalf of myself. This complaint is not being submitted in error or by a third party agency. Please see attached documents.
Product: Credit card or prepaid card

1. Vehicle leased XX/XX/XXXX ( lease payments incorrect ) ; 2. Lease modified XX/XX/XXXX, dealership refunded {$1500.00}, paperwork never changed ; 3. On/about first week XX/XX/XXXXhad unexpectected acceleration and braking which XXXX XXXX nor XXXX could determine cause ; 4. On or about XXXX XX/XX/XXXX, additional unexpected acceleration in heavy traffic, again XXXX XXXX could not find problem ; 5. XXXX XXXX, owner then offers to exhange vehicle, but has get approval XXXX XXXX ; 6. Around XXXX   XX/XX/XXXX, notified that XXXX has approved Substitution of Collaterol, ( like kind exchange ) ; 7. XX/XX/XXXX, pick up new vehcile, another XX/XX/XXXX XXXX, with few upgrades ; 8. When get home, check VIN number and they don't match, call XXXX XXXX and XXXX XXXX and report alleged fraud. 9. Since that date, attempted to resolve with XXXX XXXX, Owner, and he has failed to provide proof that VIN number has been corrected and file registrations documents with XXXX DMV ; correct Closed End Motor Vehicle Lease Agreement Louisiana/reduction ; correct Odometer Disclosure Statements/reduction ; and manipulate Act of Sale documents/reduction.
Product: Debt collection

I am writing to formally express my concerns regarding IC. System Collections handlings of disputes, particularly in light of the recent lawsuit with multiple banks highlighting significant issues with the platforms with identity theft.
Product: Checking or savings account

I use to live in XXXX Nebraska. A fried in XXXX told me about a {$500.00} bank promotion with UMB Bank. You needed to open a checking account and savings account, then qualify. I opened the checking account on XX/XX/2020. I was able to open the checking account and UMB 's web site went down so I called in and the rep said to wait a day to open the savings to get the full bonus. I waited and i wasn't able to open the savings account. It was denied. ( I've read more than 100 complaints about this very bonus, people who opened the account, then it was locked. ) Yesterday I tried to access my checking account online and it was locked. The email said to call in. So today I called in and the rep was so useless she said she couldn't tell me why it was locked. UMB needed to verify information. So I said what do you want to verify and she said she couldn't tell me. After a few more minutes of getting no where I told her i didn't want to do business with their bank if they wouldn't answer my questions. I told her to close the account and she said she couldn't because it was locked. Again I asked why and she said she couldn't tell me. So I said close the account and I hung up. A few minutes after I hung up UMB called and I missed the call so I called back a another worthless rep said she had no record of anyone calling me. I tried to explain to her, someone just did. I gave her all the info she needed to look my info up, but she was less capable than the other rep, so I told her to close the account. I was told if I don't call back I can't have my {$250.00} opening deposit. The {$500.00} bonus is still being advertised on their web site.
Product: Checking or savings account

I have been a customer of Chase Bank for many years with a checking/saving account. 
On XX/XX/XXXX my wife entered the United States from XXXX under a XXXX ( XXXX ) XXXX. 
She entered under her maiden name and on XX/XX/XXXX we were married. 
On XX/XX/XXXX at approximately XXXX we arrived at the Chase Bank located at XXXX XXXX XXXX , XXXX , Louisiana XXXX in an effort to open a checking account for my spouse in her married name. 
We had in our possession her passport issued by XXXX and XXXX XXXX issued by the Department of State in her maiden name, a certified copy of our marriage certificate, a photo copy of a letter from the Social Security Administration addressed to my wife in her married name with the location of her residence matching the address I have on file and a photo copy of the social security card we received in the mail at our residence of record. 
We were informed by the bank staff in addition to her passport she needed one of the following documents to open an account which were needed to establish her residence. 
1 ) a bank statement less than 60 days old. 
2 ) U.S. driver 's license/state ID. 
3 ) Employment letter, check, paystub 4 ) Utility bill less than 60 days old. 
We were informed there are no exceptions to these rules. 
I subsequently submitted an email to XXXX XXXX XXXX, with the branch office regarding this matter. 
In the email I submitted to him : 1 ) A copy of her passport in her maiden name. 
2 ) A copy of the XXXX XXXX issued by the DOS in her maiden name. 
3 ) A copy of the letter from the Social Security Office addressed to her in her married name and to our address on record. 
4 ) A copy of her social security card issued in her married name that we received by mail at our address of record. 
5 ) A copy of Insurance information addressed to me and her with her married name with the address we have on record. 
She has subsequently received three additional letters from the XXXX addressed to her in her married name with the address we have on file with the bank. 
I also spoke with him several times but he stated he was an unable to address the issue and she needed some additional form of ID in order to open an account. He was always polite and agreed she was in fact who she identified herself as and where she lived. 
We have established with the evidence produced that which any reasonable person, any person for that matter would agree that she is in fact the person she identified herself as and she resides at the address that was provided to the bank. 
The bank has in place a policy which has no exceptions and when evidence is produced that clearly identifies a person and establishes where they live and there is no nefarious undertaking in play an exception should be made and an account should be allowed. 
Do due to the nature of this complaint and the initial instructions given I am not submitting any supporting information which contains names, account numbers and social security numbers. 
If necessary documentation can be provided to verify the above information at a later date.
Product: Credit card

In early XXXX, after being laid off, I reached out to Chase to ask to be enrolled in their financial hardship program. The person I spoke with refused to give me information about the program, and said my options were to either to close down my credit cards and go through a third party debt negotiation company or they would change the due dates on my cards, to give me a buffer money. I was told that even if I received notices my payment was due or I received a late fee, to ignore it because it would be removed. I accepted the payment deferral and contacted Chase again via messages to let them know about the interaction I had and to please give me information regarding the hardship program. 

Over the last XXXX months I have been provided multiple numbers that dont lead anywhere or go to an endless hold. Ive been told that no one can reach out to me and the only way I can deal with any of this is to call XXXX of the random numbers they have given me and hope for the best. 

On XX/XX/year> I managed to get ahold of a customer service rep. When I explained the issue and the fact no one had addressed my concerns and Chase was refusing to remove the initial late fees while also tacking on more, she kept pressing me to make a credit card payment over the phone with her. When I reiterated that I wanted to deal with the issue I called about ( the promise of deferred payments and no fees ), she then pressed me to go on a payment plan. I asked if this was a hardship plan and she said it was a temporary one to pay off the outstanding balance and fees, but would only last until the overdue balance was collected and then I would have to start the process over and see if I could be considered for a new hardship program.

When I explained this was still not a resolution to the issue, she said she was noting that I had refused her offer and refused to pay. I stated that was not the case, but I was not agreeing to anything until the initial issue was resolved. I then asked to speak to someone else and was told I would be transferred to a specialist who could help me. The customer service representative then put me on hold. During that time, I heard her pick up the phone and listen to see if I was still on the line before she ultimately dropped the call. 

I reached out once again to Chase via their messaging service to write convey what had happened and my concerns, and to once more beg for a person who could help to contact me. My message was ignored and a previous message I had sent was responded to with yet another number to call. 

It is abundantly clear at this point Chase is refusing to provide access to their hardship plans and is promising deferred payments to exact additional fees off of people already struggling. 

As of today, XX/XX/XXXX, I received multiple threatening letters stating my credit card accounts ( even the one that has been paid regularly ) are suspended and received additional paperwork to enroll in payment plans for my overdue balances that indicated someone had applied for these programs without my consent and claimed I didnt provide enough information to be considered.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is the second time XXXX XXXX through a secondary ( Second Round Sub LLC assignee of XXXX XXXX  - address Second Round Sub LLC Assignee of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ) has taken us to court for a judgement on a debt originating from XXXX XXXX owned by XXXX XXXX, They will not be able to enforce any judgement, my income is from VA XXXX, and is my only income. Which comes from protected federal VA benefits : protected from garnishment to pay a debt owed to a private person or company. The have been aware of this for quite some time, yet they sold this debt to Second Round Sub LLC originating in Texas, with office in XXXX Ga. They received an unenforceable judgement, determined by the Courts in XXXX county -XXXX  XXXX -Ga. 
Please contact XXXX XXXX  ( secondary round sub llc ) second Round and advise them this is fiduciary harassment.
Product: Checking or savings account

I've been having problems maintaining my account due to COVID. I am still on CARES ACT unemployment and money have not been going through as often. Therefore I am politely, yet sternly demanding all {$440.00} collected from me in overdraft fees from XXXX be returned to my account or risk loosing me as a customer. 

Ive been with chase since XXXX and I wish for it to stay that way. 

You guys make billions every year in overdraft fees alone and to be quite honest I hope legislation will happen in the upcoming decades that require you guys to not charge more than a certain amount per day/ transaction. 

I have a kid to raise and bills to maintain, please don't get in the way of that.
Product: Credit card

applied for bank of America credit card. 
The company requested a form to verify my account and i submitted that. 
After the account was approved and opened, the company decided that there is suspicious activity on the account so they decided to close the account. 
i contacted the company more than 6 times requesting to reinstate my credit card or remove the hard inquiry and three supervisor promised to get that resolved but at the end nothing was resolved and i ended up with hard inquiry and closed credit on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX & account XXXX - is currently reporting on my credit report recently. These accounts were paid a long time ago and they were sent to collection in error. I have never received anything from them or the bureaus regarding my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and I purchased a XXXX XXXXXXXX XXXX which was financed by capital one auto. We were working after getting slightly behind on catching up the payments. We had several conversations and agreements with Capital One auto finance. On XX/XX/XXXX, I was involved in an accident where I was rear ended. The insurance determined that the car was a total loss capital one was issued a check for XXXX in XX/XX/XXXX. Upon trying to get another car financed, we discovered that Capital One had reported a profit and loss ride off total charge off of our vehicle in XX/XX/XXXX while we were still making payments. After several conversations with Capital One finance, I was informed on XX/XX/XXXX that capital one showed in their system that the vehicle was repossessed on or about XX/XX/XXXX which is the reason they gave for reporting yet as a write off charge off total loss. However, the car could not have been repossessed because I was in an accident and said vehicle on XX/XX/XXXX, which resulted in total loss and injury. Capital One finance indicated that they would not change the status of this account even though they have cashed the check. {$16000.00}. The current balance is slightly over {$4000.00} which was supposed to have been covered by gap insurance XXXX group, which is not also being covered because Capital One reported this vehicle as havent been repossessed in XX/XX/XXXX and have called this a charge off. I believe that this is fraudulent on their part. I also believe it supports Libel against myself and XXXX XXXX and have created further credit issues resulting in our inability to acquire an auto loan to replace the vehicle which was total. I would like for our credit report to be accurate thank you.