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

On XX/XX/XXXX, XXXX and myself attempted to pay off the remainder of my loan from USAA and receive the title so my claim could be paid immediately from my auto accident. However, USAA realized they made an error several years ago and didnt place themselves as a lien holder. XXXX then asked just a statement that they have no financial interest in the car so I could be paid immediately to purchase a new car. However, they declined to do that. Instead, they want me to wait 30 days for them to go through a process to correct their error. Mail it via USPS. XXXX would then take an additional week to process it leaving me to pay out of pocket for a rental for a month. This is egregious as it was their original error and they have no interest in my car.
Product: Checking or savings account

On Sunday, XX/XX/XXXX, I applied for and was approved for on-line checking with Wells Fargo XXXX Banking. I was also given an account number. I called back about ten minutes later, and canceled the account, after reading that there was a {$25.00} monthly checking fee. 

I reconsidered, and called back trying to cancel my closing of the account, but was told that it was too late. On Monday, I applied again, and was approved again, and given another account number. Various other emails came, regarding how to set up my account, etc. 

Then on Thursday, XX/XX/XXXX, I received an email saying that my new account had been closed because of 'inconsistent ' information. I called to find out the issue, and was connected to the fraud department. They proceeded to present me with questions dating back to 20+ years ago. Some of the answers I knew ; some I wasn't sure about, They told me I failed the test, maintained the closure of my 2nd account. They went on to take my {$25.00} deposit fee ( after account had been closed ). 

I called the bank on XX/XX/XXXX, demanding they return my deposit back to my XXXX account, but the fraud department said there would be a 17-days-hold on my funds, while they investigated me and or my applications. 

I feel like my character has been defamed, and my deposit was unjustified, since they had already closed my account.
Product: Debt collection

On XXXX comenity Capital Bank  has called three different times from unknown ior unidentified numbers. Spoke with XXXX who would not provide an address was told stop calling and asked to transfer to a manager. XXXX was rude threading and did not transfer the call. Comenity Capital Bank is the owner of the credit card for XXXX who has filed bankruptcy.
Product: Checking or savings account

Hello BBVA, I called the wire dept today for some assistance on an ACH I initiated via BBVA online, dispute dept stated they work wires and ach. While getting assistance from a woman in wires today, they cold transferred me to frontline customer service, that was not nice. 

The ach was to a linked external account, ending in XXXX for XXXX XXXX The transfer was made on XX/XX/21 iao {$250.00}, my external bank have yet to receive those funds. BBVA have advised that the ach has not bounced back and that there is nothing they can do. I beg to differ, where are my funds, has a trace been done, coaching needs to be given to the wire specialist for transferring me.
Product: Credit card

Chase canceled my investment accounts in XXXX and closed all my accounts .I am still missing {$2500.00} from my accounts that Chase closed I tried several times to contact the XXXX number listed but was told they can not provide me with any information, but if I choose I can fill with the court but I dont have the money to pay attorneys fee I applied for credit card with chase couple of months ago it was granted because I have good credit but I just got a letter from chase that they canceling my new credit card with any explanation This is discrimination based on my race and National origin Please could you follow up with my complaint to let chase Bank know that poor people have a voice in USA and the world
Product: Checking or savings account

Late XXXX to early XXXX XXXX XXXXXXXX I opened a checking/savings account with JPMORGAN, CHASE BANK XXXXXXXX XXXX XXXX XXXX in XXXX XXXX NY XXXX XXXX 
On XX/XX/XXXX there was a transaction made through XXXX that I did not authorize to a XXXX ... .. for the amount of {$15.00}. 
Note- my wife was not an account holder yet at the above date and the bank claims she authorized the transaction. 
We do not use XXXX we never did. A XXXX representative confirmed that we have never had an account with them nor made any transactions through them via a third party. 

On XX/XX/XXXX my wife becomes an account holder as well and the transactions continue XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} We personally visited the branch, filed a complaint and explained we did not authorize the transaction. We then filed a police report with XXXX police second precinct. 
Our account was restricted, my wife was taken off the account since the bank said all transactions were made using her personal info. 
We took every step we were advised to take for identity theft. 
My account was again compromised in XX/XX/XXXX from a Chase branch in the XXXX where an individual was allowed to change the account phone number using my wife 's info when my wife was off the account and the account was restricted and under investigation. 
The bank assured us they were investigating. They told us to come back with a letter saying the transactions were, in fact, authorized by my wife when they were not. They clearly didn't believe us and wanted the matter to be off their hands. 
we need further investigation of the matter. 
The bank failed to protect us before and after the initial complaint and we are treated as the perpetrators instead of the victims. It is strange that these withdrawals were allowed to occur even after my wife was removed from the account under her name. There was not a single alert that sounded when this occurred to signal theft even after all of our trouble.
Product: Vehicle loan or lease

I got a car XXXX  XXXX XXXX XXXX XXXX XXXX with financial company ( capital One ). Well to sum it all up on XXXX when I got the car the tags was talked about with me getting them. Sure, I gotten used cars before, however the check engine light came on XXXX, and the info I got stated the XXXX XXXX XXXX  will not pass inspection so, got some things fixed ( so I thought ) To my surprise the light went off. The check engine light came on again ( I knew that if light on the car can't get inspected ) Was going to get that issue fixed, but car broke down at job the day I was going to get it fixed. I was told the dealership was suppose to get the inspection done. but my dealers tag had not yet, expired. I did end up getting an extension from county tag office. XXXX  XXXX new the car was not going to pass. So, how was I getting the tags. XXXX  XXXX stated to me the tags would be in the mail not yet received. when the XXXX XXXX XXXX  finally broke down the two repair shops inform me of a new motor. So, had car towed back too dealership on XXXX, during that month a car note payment was made. to Capital One finance. XXXX  XXXX has the XXXX XXXX XXXX  car do not run and so all of this needs to be undone cause of fraud.
Product: Mortgage

I have been in a loan modification program for 4 1/2 years with Nationstar / Mr. Cooper. Prior servicer was XXXX, who attempted foreclosure after offering a modification, and me complying and following procedure. I head to hire an attorney to make the new servicer honor XXXX promise. Actually paid one attorney XXXX $ who is now in jail, and then the current one who worked the plan out. I have made all payments on time for 4 1/2 years, even after force placed homeowners insurance that I had no say so in. A couple of years ago while checking my credit, which had remained low, despite no late payments, I realized that XXXX XXXX wasnt reporting anything to the credit agencies, however they do report every month that I had 13 missed payments from over 5 yrs ago. Now, as we approach the end of the mod program, and were expecting a loan forgiveness of all of the past dues from XXXX that carried over, mr cooper transfers my loan to XXXX, although they neglected to inform me of the change. In the process, they erased my current account info so i cant make XXXX payment, and also they split XXXX payment into a suspense account on the principal and interest, but dont show any accounting on the escrow payment, which clearly came out of our account and was paid to them. Meanwhile, I had to hire the same attorney again to demand info on my account, which has apparently not been handled yet. This is the identical behavior of XXXX from 5 years ago. From my perspective they are setting me up for foreclosure. The stress and trauma this has caused me and my family is indescribable. Its scary stuff. Apparently the new servicer isnt recognizing the remainder of the loan mod and have all of our loan info incorrect. We need help. My attorney recommended filing a complaint with the CFPB. Our program is the standard HAMP mod program.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquiry : XXXX. XXXX, XXXX And XXXX XXXX Inquiry : XX/XX/year> are both inquiries that where not made by me
Product: Credit card or prepaid card

Hello American Express, Yesterday I finally received a supposedly corrected 1099c for XXXX. 
However nothing was corrected. 
In XXXX & XXXX I received 1099cs for tax years XXXX & XXXX. 
I have been try for the last 2 years to have them corrected. 
I have sent numerous faxes and at least 3 certified letters.

The letters were sent to : 1 ) American Express XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 2 ) American Express XXXX XXXX XXXX XXXX XXXX Mail XXXX NY XXXX NY, NY XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX ) American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- First of all, I would to state that the debt was disputed and the amount that was paid is the amount that was agreed that was owed.So a 1099c should never have been issued.

I would like to continue with the fact that even if the 1099c was rightfully issued its totally wrong.

Please look at BOX # 3- INTEREST included in BOX 2 {$3.00} FEES AND INTEREST acct # XXXX XXXX {$1500.00} XXXX {$1200.00} XXXX {$1500.00} XXXX {$1500.00} XXXX {$1500.00} XXXX {$510.00} TOTAL {$8000.00} FEES AND INTEREST Box 3 : INTEREST Shows interest cancelled if it was included in the cancelled debt in box 2. If you have an amount in this box, think about whether it would have been deductible if you paid the interest. For example, if this would have qualified to be deductible mortgage interest on your home had you paid it, then this interest reduces your overall taxable cancellation of debt income.

Per the IRS BOX 3 ON THE 1099C Box 3 Shows interest if included in the debt reported in box 2. See IRS Pub. 4681- Please correct as soon as possible, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX Please correct as soon as possible, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Di ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, -XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
-XXXX XXXX XXXX XXXX  Acoount # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states that 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.
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX 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 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: Credit reporting or other personal consumer reports

I Recently demanded a deletion of inaccurate information on my credit report the results was a deletion of 3 accounts out of the 7 accounts i listed as inaccurate. the remaining accounts information was changed, which would be a violation. This would be BREAKING THE LAW, under the FCRA it is the duty of consumer reporting to report fair and accurate information at all times, If the information was accurate from the beginning there should've been nothing to change. I am also Demanding compensation in pursuant to 15 usc 1681n & 15 usc 1681s ( 2 ). Below I attached letters detailing my situation further.

Also here is a list of inaccurate accounts. 

Initial Inaccurate reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shows XXXX XXXX XXXX XXXX XXXX One Can not be late back to back like this it should be XXXX to XXXX to XXXX. This is inaccurate. 

XXXX XXXX : year XXXXXXXX XXXX Shows 120 days al through. this is inaccurate. 

XXXX : year XXXXXXXX XXXX Shows 30 days all through until XXXX. which then goes up to 60 days. this is inaccurate XXXX XXXX : year XXXX. XXXX XXXX. Shows 30 days back to back. This is inaccurate.
Product: Debt collection

This company keeps asking for my personal information without telling me what it is for. They claim it is for a debt I owe but refuse to give me any information. Instead they keep asking what my social security number is. When I XXXX the company, they have a very sketchy website claiming they are a XXXX debt collection agency. I called them back and their number goes to a fax line. Now when the phone rings, their number shows up as spam.
Product: Credit reporting

There were XXXX liens appearing on my credit report. NYS Taxation vacated XXXX liens which were always erroneous. I provided letters showing the vacating of the liens to TransUnion. Instead of removing the liens, they reported the liens as being paid later and to be removed from my credit report later. XXXX are adverse actions to my credit and not reflective of the documentation that I provided from NYS Taxation and aknowledged by the XXXX County Clerk.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX XXXX They in fact did not come from a XXXX XXXX. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Debt collection

I have never received any communication in writing in regards to this debt. Had I received communication, I would have disputed this debt within the 30 day validation period as it was paid directly with the original creditor. I have received numerous calls to my cellphone, although I have never granted permission to this company to call my cellphone. The calls come in multiple times a day and the line is disconnected as soon as I answer. My cellphone being called repeatedly without permission is abusive harassment. I have also attempted to contact this company when they reported this to my credit. However, the computer prompts never direct you to an actual person so I can ask where to send my proof of payment. I did not authorize my information being sent to a third party collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my husband attempted to obtain his free annual credit report from the website, XXXX, prior to applying for a car loan at our local bank. After submitting all his personal credit information, at the end of the process, he was informed that the reporting agency " could not provide a credit report at this time '', although the BANK had no problem obtaining his credit report, which he was not allowed to view, but he did find out that it contained inaccurate information and lower credit score that resulted in requiring him to get a co-signer and pay higher interest on the car loan. Today, ( XX/XX/XXXX ) when I went online to apply for social security retirement benefits, my application was " rejected due to reporting from Equifax '' so that SSA could not " verify '' my existence in order to process my application ; so I went online for MY free annual credit report, and, after supplying all my personal credit information, I was informed that the reporting agency " could not provide a credit report at this time. '' Because we have been in a bitter dispute with XXXX/XXXX/XXXX over their theft of our home on XXXX - which they reported to the credit reporting agencies as " REPOSESSED '' 5 years ago, when it was actually still IN DISPUTE in Federal Court, getting ready to go to Jury trial in a few months, & they have been informed that I've had to fire our attorney and prepare to represent ourselves Pro-Se in our dispute against them, I think they are using their financial power and control over the credit reporting agencies in order to harass and get us to throw in the towel and give up.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies unlawfully reported accounts ( XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, and PORTFOLIO RECOVERY ASSOCIATES XXXXXXXX ) on my consumers reports for an alleged debt in which they have not produced an agreement and/or contract binding me to such allegations of these debts with them. Not only have they placed the accounts on my reports but, they've also reported negative transaction history as if I actually have a contract with them. This is fraud as, I do not hold an account under any contract with these companies. They have violated my rights protected by law under the Fair Credit Reporting Act ; 15 US Code 1681a, 15 US Code 1692, 28 US Code 1746. I am aware of my rights under 15 US Code 1681N and 15 US Code 1692k. I am demanding the abatement of these accounts and its entirety for all three consumer reporting agencies.
Product: Debt collection

Failure to comply with request for validation. On XX/XX/2018 I sent via certified mail to Syncb/XXXX XXXX XXXX  a request for validation and letter of dispute for an alleged debt that is reporting on XXXX  a {$0.00} balance and on XXXX   and XXXX a {$1000.00} balance. Syncb/XXXX XXXX XXXX received and signed for the letter on XX/XX/2018. Syncb/XXXX XXXX XXXX failed to respond to my letter of dispute/request for validation and to place comment of dispute with the credit bureaus they are reporting, XXXX, XXXX, and XXXX. On XX/XX/2018 I again sent a letter for request of validation and dispute via certified mail to Syncb/XXXX XXXX XXXX  for which they received and signed for on XX/XX/2018. Again Syncb/XXXX XXXX XXXX completely ignored my letter and failed to place a comment of dispute with the credit bureaus. By doing so Syncb/XXXX XXXX XXXX  is in violation with applicable FCRA & FDCPA laws pertaining to this alleged debt they have erroneously placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter from Bank of America that somebody tried to apply for a Credit card using my name. I called Bank of America and notified that I didn't apply for the card and I don't recognize this activity. I also called XXXX XXXX and notified them and they put a freeze on my account. I have no idea how my personal information leaked out.
Product: Debt collection

Fifth Third bank has a loan advance service similar to payday loans. Loan advances are made and paid back through paycheck direct deposit dates. I have done this a couple of times using my checking account. I initiated an advance on XX/XX/16 in the amount of {$650.00}, agreeing to pay the fee that serves as interest. On the XXXX I transferred money from an external account into my XXXX checking out. Fifth third decided to take back the loan with interest before I could use the money. I called when I saw this transaction pending and asked why. XXXX, the CS rep said per the terms and conditions it was because money was coming into my checking account and apologized. I told him that money that was coming into my account was a transfer and not a direct deposit, he offered another apology. After reading the terms and conditions on my phone which clearly states that payment is collected from a direct deposit, I called XXXX back and asked for a supervisor. After explaining the reason for requesting a supervisor again, XXXX the account supervisor clearly misstated the terms by adding " it's any ACH '' which was not part of the language in the statement I read. I proceeded to end the call since she was giving me pushback and not supporting what was clearly in black and white. The information clearly states I have 45 days to repay the advance.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX