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

In XX/XX/XXXX, I trusted this company with that law and rights when agreeing to get this vehicle. I was told that I had to put down XXXX to move car off lot. According to 15 U.S. Code 1662 this company has valid this law. On XXXX XXXX I called the company and ask did they participate in the TILA and stated the law and my rights and to resolve issue in a professional manner. Customer representative stated that I read the law wrong and she proceed to put me on hold, when representative return back to call she then hung up on me. I then called back and spoke with another Customer Representative and stated the law and my rights back to him, his response was I'm not a lawyer so I wouldn't know anything about that. Per federal law finances also includes insurance under code 15 U.S. Code 1605 ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. 
( 2 ) Service or carrying charge. 
( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
Product: Checking or savings account

they lied to me and now have charged me over {$400.00} ( XXXX ) in fees to have this account ( they harrassed me to set up to pay my mortgage ) when i was assured that I would never pay a fee because i have a mortgage, savings, etc. Chase has used covid to excessively charge fees, this bank has severe moral issues, should be broken up for gouging customers like this!
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER : XXXX. This account is in direct violation of the FCRA as it is not being reported accurately. I DID NOT GIVE CONSENT TO THIS COMPANY TO FURNISH THIS ACCOUNT TO ANY THIRD PARTY. I have requested validation and verification which I did NOT receive. Ive disputed this item with no luck of getting an update. I WANT THIS ACCOUNT REMOVED FROM MY CONSUMER REPORTS. The original balance is not consistent on all reports. Last payment does match on all reports. Opened date is inconsistent on all of my reports. Last reported date is not the same on all reports. All Consumer reporting agencies state verified as accurate yet no information matches across all companies.
Product: Mortgage

Since XX/XX/XXXX I've been inquiring of my mortgage servicer MyLoanCare/ XXXX XXXX XXXX /XXXX XXXX to provide me copies of my loan modification documents. They modified the loan by lowering my monthly payments after going through a long short sale. I've spoken with them over the phone and sent several emails with specific questions related the note, amortization schedule, deferment and related requests. 

To date they have yet to provide me a copy of my loan modification documents or answer all my requests and questions even after reaching out to a number of their employees and contacts.
Product: Debt collection

I have been receiving multiple phones calls ( 3 to 5 times ) per day, for almost two weeks, from Citibank, in regards to a Home Depot account I do not have, and never have had. I spoke to a Citibank representative on XX/XX/2016, and was told I would no longer receive anymore calls from Citibank. I received another phone call on XX/XX/2016. I stated to the bank representative that I do not have a Home Depot account, and I want the phone calls to stop. I also made them aware that my phone number is register with the National Do Not Call Registry, and that this is my first and final request for them to stop calling my number. I do not have ANY debt in arrears, and have good credit.
Product: Debt collection

AAMS XXXX {$2400.00} I DONT OWE THIS COMPANY ANY MONEY, IM REQUESTING THIS ACCOUNT TO BE REMOVED FROM THE CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to

my questions and statements of the Law. Please delete the following unverified fraudulent account : XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX. 
THIS ACCOUNT IS A ERROR XXXX, XXXX MISSING INFORMATION. 
THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA XXXX VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.
Product: Checking or savings account

Trying to set up direct deposit with XXXX XXXX for my restaurant banking account with pnc and when I tried it said pnc changed their rules and cant let me do it
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
Product: Debt collection

I have received multiple calls, which when I do a reverse number lookup are for debt collection services. They ask for a person with a similar name, but not me. I've told them at least XXXX times already it isn't me, but the calls keep coming. I've asked why is my number associated with this person, and they don't answer, but my own research seems to indicate they purchase information from some company which must have my number associated with XXXX ( I've had the same number since XXXX  ). 

The call today the person said their name, asking again for the similar name as me ( XXXX XXXX vs XXXX XXXX, I do not know nor am related to anyone named XXXX ). When I asked what company they were with, they refused to tell me, and just repeated his name. I again asked what company, he asked if I was XXXX not tell me, and I said " You called me, I'm not saying anything else until you identify yourself '' and they hung up on me. I've tried doing the right thing by saying I am not who they are calling for, yet it keeps happening. For reference, the calling number is XXXX, which reverse lookup seems to say is something called The XXXX XXXX
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 XXXXXXXX XXXX XXXX XXXXXXXX, 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 an 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, credit repair services, or other personal consumer reports

Your company is reporting late payments to my consumer report. This is a direct violation of the FCRA. 15 USC 1681 ( 2 ) ( a ) ( i ) clearly states the definition of a consumer report and what is excluded from a consumer report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IF TRANSACTIONS AND EXPERIENCES ARE EXCLUDED FROM MY CONSUMER REPORT WHY ARE YOU REPORTING LATE PAYMENTS ( transactions ) ON MY CONSUMER REPORT?
Product: Mortgage

I am writing regarding the closed claim # XXXX with respect to a VA mortgage loan applied through Home American Mortgage Company . A response was provided and received, and I missed the 60 days window to respond. Therefore, request to provide a close-out response and to reopen my claim or start a new claim. I concur with majority of the statements made by the lender. However, I want provide clarification tied to the following : 1 ). I did contact the Loan Officer, however, according to my cell phone records it was on XXXX XX/XX/2022, at XXXX. I may have also contacted the loan officer prior to this date but on my work cell phone.

2 ). It was not known to me the " Veteran '' would not be responsible for the cost associated with the interest rate lock program. The loan officer emailed me a congratulatory letter on XXXX XX/XX/2022, and spoke of the " Extended Rate Lock Program '' but did not disclose it was at no cost to " Veterans '' who planned to use a VA loan. If it was clear to me the builder was responsible for the cost ; It is reasonable to believe I would had accepted the terms of the program based on the volatile market. Hence, it was at not cost to the veteran. 

3 ). On XXXX XX/XX/2022, I sought clarity, tied to the " upfront fees '' paid by the builder associated with the program. It was not clear to me if the " Veteran '' would be responsible for the " upfront fees '' at closing. The loan officer did not respond until XXXX XX/XX/2022, one day ( allegedly ) prior to HAMC making a decision to terminate the " Extended Rate Lock Program '' on XXXX XX/XX/2022 ; and not disclosing to HAMC staff until XXXX XX/XX/2022. The Loan Officer did not disclose to me until XXXX XX/XX/2022, the program was canceled. 

Based on the aforementioned, I request for the lender to honor the interest rate under the terms provided to " Veterans '' at the time HAMC provided me my congratulatory letter on XXXX XX/XX/2022. It was not clear to a reasonable person the terms and provisions of the " Extended Rate Lock Program '' was at no cost to a " Veteran '' who was using a VA Loan. It required follow-up clarity to fully understand the benefit. However, because we solely relied on emails and also due to the delayed response from the Loan Officer, I was inherently forfeited a benefit through no fault of my own. There is no reason to believe that I would had forfeited a benefit that ultimately would provide a lower interest rate than the prevailing interest rates. I was not clear if the " upfront fees '' would be my responsibility on the back in during closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a email with threats of taking my Social Security, payroll checks, plus terrible language of threats that they will prosecutes in court. This loan at XXXX was. Opened in 2017, by fraud XXXX closed the account after being notified by legal services at XXXX XXXX XXXX XXXX, due to financial fraud, and protected by Consumer Rights. Immediately following XXXX started sending me terrible threats, and posting on my Credit report, assigned later to XXXX  FOR COLLECTION, changing the information when the acct was originally opened.
Product: Debt collection

I contacted XXXX to verify this account that is being reported on my credit report. My first letter was dated XX/XX/2021, in which case, I requested verification in the form of any signature bearing document against this account. At the beginning of XXXX, I received a response from them touting a letter from Capital One giving them authority to collect and a couple months of standard company account statements. I then responded with a letter on the XX/XX/XXXX, asking again for some hard evidence linking me to this account. I have no knowledge and think that there was Fraud under my name. I then received another letter from XXXX XXXX XXXX saying that they weren't going to reimvestigate a dispute that had already been completed. I guess some standard account statements that can be photo chopped, clipped, and hacked is their standard for verification. I have attached my letters along with their responses.
Product: Debt collection

Sunrise credit services called pretending to be a collector for XXXX XXXX XXXX XXXX. This time, they used the number ( XXXX ) XXXX ( although they seem to be using different numbers every time ) and they called on XXXX/XXXX/XXXX at XXXX XXXX. They claimed I had $ 50+ unpaid balance. Since I had previously confirmed directly with XXXX XXXX XXXX that I had no remaining balance, I requested that they give me the account number associated and they gave me an incorrect number. I told them the number I have is not the same and that they were looking for someone else. They denied this and insisted that it was my account and that my credit was at stake. Then, they asked me to confirm with my social security number, which I declined. They then said that they will discuss it with me later and abruptly hung up on me.
Product: Checking or savings account

I have been frozen out of my account for XXXX months now, and this account contains approximately XXXX XXXX of my XXXX  savings. I have tried relentlessly to get my account unfrozen, to no avail. I am desperate to recover access and feel completely bullied. I describe my situation below. 

In XX/XX/2023, my savings account by the company " XXXX by Goldman Sachs '' was frozen. This freeze happened right after I attempted to move some funds to a foreign account managed by the company XXXX. I immediately called them to get my XXXX by Goldman Sachs account unfrozen. After passing XXXX  XXXX  checks, such as giving my social security number and providing my " secret word '' that only I know, I was told that they would next send me a text message to the phone number associated with my account to finalize my XXXX  verification. 

This is where all the problems began. As an XXXX  student with research projects overseas, I spend a significant amount of time XXXX, so I no longer had my original phone number. I was therefore unable to verify my XXXX. I was then told that the only way to unfreeze my account would be to verify my XXXX  by submitting an XXXX  of XXXX, which they would mail to the address they had on file. After an XXXX  number of calls, it took them XXXX months to send me this form. I got it notarized and sent it back to them, as requested. It is now XX/XX/XXXX, nearly XXXX months since my account was frozen, and my account remains frozen. Every time I call customer service I am told that they will call me to finalize the XXXX  verification. They have by far exceeded the XXXX  of XXXX  days they say it takes between receipt of the affidavit and the unfreezing of accounts. I know for a fact they have received my affidavit because they have told me so, but I remain waiting for it to be unfrozen. 

This account contains the vast majority of my savings, and not having access to them for XXXX months has been extremely stressful. I don't know what to do anymore. Any help will be much appreciated. 

Thank you
Product: Debt collection

I called to speak to someone regarding my past due student loan, the rep proceeded to ask my information including my place of employment which I gave him but I did not give him the phone number of my employer because I clearly stated " I can not receive personal calls of ANY TYPE '' he argued with me stating that they would n't call they just need the number, I again said I was not going to give that information. I was unable to complete the call at that time because I was on a time restraint and said I would contact them back later that week. A few days later a rep called me at work when I was off, which means whoever called took it upon themselves to not only call after I CLEARLY stated not to but to also LOOK UP the phone number to my employer because I would not disclose that information. I called them back and spoke to a supervisor who apologized and said it was against policy to call my employer when I had asked them not to and the rep that did so would be reprimanded and it was a mistake. I was very upset and again the issue at hand had not been resolved regarding my loan. This company has since called my employer TWO more times. I called them back and explained AGAIN that they CAN NOT call my employer and the rep told me he did not see a note on my account until he had already called and that by law they ca n't call if there 's a note so they would not be calling again. I have already been reprimanded by my employer multiple times regarding these people continuously calling. I explained I could lose my job over this after the first time they called yet they called again 3 more times. Obviously my request is not being taken seriously and this was my last resort to stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially I froze my credit to avoid the possibility of loans or lines of credit being opened up in my name without my knowledge with all credit companies. Of all XXXX agencies I have only had a problem with experian. 

I have lived at multiple addresses but have my mail and credit sent to my parents house. In order to get rid of a freeze they request certain information that includes my current address, my current address is different than my parents but it is apparent that this is incorrect and so is my parents since I tried both ways. I am now at a point where they want me to send my license, SS card, and another bill with my name on it. Which I dont understand how sending all of my identifying information through a service that is not secure would help them identify who I am. I need to be able to drop the freeze and understand how they identify who I am so that I can provide them the correct information. I tired to do this over the phone but the person on the phone was not allowed to preface the questions. Please help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the numerous attempts I have made to rectify and remove fraudulent items on my credit file. Despite my repeated efforts, these unauthorized entries continue to persist, adversely affecting my creditworthiness and causing significant distress. 

I have diligently followed your dispute resolution process, submitting the required documentation and providing detailed explanations of the inaccuracies. However, the response I have received thus far has been inadequate, as the fraudulent items remain on my credit report. 

Despite my consistent efforts to rectify the inaccuracies on my credit report, the fraudulent entries persist, indicating a failure in the credit reporting process. 

These fraudulent entries have had a detrimental impact on my creditworthiness, affecting my ability to secure favorable terms for loans, credit cards, and other financial products. 
The responses I have received from your bureau thus far do not reflect a thorough investigation into my disputes, and I remain dissatisfied with the lack of resolution. 

I request the following actions to be taken promptly : I urge you to conduct a comprehensive and thorough investigation into the fraudulent items on my credit report, including a review of all supporting documentation I have previously submitted. 

Upon confirmation of the inaccuracies, I request the immediate removal of the fraudulent items from my credit report. 

I expect clear and timely communication regarding the progress of the investigation and the steps taken to resolve the issues. 

I request that your bureau implements measures to prevent the recurrence of such inaccuracies in the future, ensuring the integrity of the credit reporting system. 

If my concerns are not addressed satisfactorily within the exact timeframe from the date of this letter, I will be left with no choice but to escalate this matter to the appropriate regulatory authorities and seek legal advice to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

They were unauthorized transactions on my account, and I have not received a credit. I file a police report and contact my lawyer. I also was a victim of identity theft.