23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During the closing process of home loan our lender was late on closing and told us he would pay for the late fees ( per diem charges ) After closing of escrow we did not receive reimbursement for those fees. We submitted a complaint and the lender responded stating those fees were reimbursed to us through our realtor which is just not true. This is an attempt to recover fees XXXX XXXX from XXXX XXXX said he would pay for.
Product: Payday loan, title loan, personal loan, or advance loan

The contract with Koalafi is unethical. It's confusing and it is set to financially hurt me more than it has helped me. 

My car kept breaking down leaving me stranded on the Interstate so I needed car repairs asap. No one could figure out what was wrong so I went to the dealership. When XXXX wanted to replace my battery and belt, I couldn't pay upfront, and I don't have a credit card. I was offered a possible financial arrangement so I could leave with my car that day. I asked the desk attendant if there was interest included. She said, " No. '' From there I began to receive emails from Koalafi. 

I received so many confusing emails that said " will expire soon '' " you have 15 days '' which to me is trying to rush someone into a decision. I had to make a decision at the dealership with no alternate mode of transportation. I chose to trust XXXX, unfortunately, even though the details were confusing. I had to get accepted and agree before they would work on my car -- and I travel/drive for work. 

I had no other choice. It says " lease-to-own '' which doesn't make sense for car repairs and they had a " return '' policy so I thought I was protected. 

When I called to say I didn't want the service anymore, they said I had to pay them {$300.00}. Now, I'm stuck. They are already making money off of me. I thought when THEY setup a {$70.00} bimonthly payment plan that it put me at paying it off on time. Instead they are going to charge me 3 times the amount that my car costs if I pay $ XXXX  monthly. They SET ME UP to make HUNDREDS of dollars off of me. I am struggling financially which is why I needed the service. The car bill was {$590.00} so the " Rental Purchase Agreement '' doesn't even make sense. On some docs I owe {$720.00} on others is says {$820.00} and on another it says {$780.00}. I can not continue to have {$140.00} deducted from my paychecks monthly. I believe that this is a scam, and it is unethical to pretend like you are helping people and then being able to charge them triple just because they didn't have the money upfront. After XX/XX/XXXX, I will be forced to pay them around {$1600.00}. 

Koalafi has not given ANY resolution to this matter. They have offered for me to call the customer service line which is what I have done multiple times already. This is not a solution which is why I filed a XXXX  complaint. They sent an email to me LYING and saying that someone has tried to reach out to me. This is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the last attempt to resolve this issue, as Ive been advised by an attorney. This collection account thats on my credit from XXXX XXXX XXXX is inaccurate and I have no acknowledgment of. The address being reported Ive never resided at. I just went through a lawsuit with the collection agency XXXX XXXX about this same issue and won my case, its been proven that Ive never lived there and this isnt my debt. Attached to this form is the settlement agreement from my lawsuit with the collection agency and its showing proof that Ive never lived at the address XXXX XXXX XXXX are claiming. If we cant resolve this matter, I will be forwarding all of this over to the attorneys who handled my previous lawsuit and I will file one against them.
Product: Credit reporting or other personal consumer reports

JPMCB card XX/XX/XXXX did a credit report without my consent and XXXX XXXX did a credit check with my consent XX/XX/XXXX XXXX XXXX did a credit report without my consent XX/XX/XXXX and XXXX XXXX place ran a report without my consent XX/XX/XXXX I didn't give these companies consent to run my credit report
Product: Credit card or prepaid card

I had a Credit card with Bank of America since XXXX with a {$500.00} credit limit. Through out the years I have used and paid down/off the amounts I owed .... never late payment. My last purchase was made around XX/XX/XXXX a month or 2 later I paid off the account and now XX/XX/XXXX I see the account has been closed for inactivity, without a warning, no email, no phone call. I called bank of america and they said my account was closed due to inactivity, and in order for me to get the card back I had to apply. I declined that offer.
Product: Debt collection

I have sent two separate letters to ask for verification of a debt. The collection company a letter stating they have acquired and now owns the account. I do n't have a contract with this company and its not my debt. I have asked for a copy of the credit card application with signature and still I have not received nothing from them. I sent them a letter in XX/XX/XXXX. They refuse to remove this from my credit files.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX
Product: Checking or savings account

PNC will not allow me to link my bank account with an investment firm XXXX
Product: Credit card or prepaid card

I was given a Wisely by ADP paycard by my previous employer. The card has an app that allows you to track your deposits, balances, etc. In this app, if you click on the Direct deposit link, you are given information to give to an employer for direct deposit of pay. I changed jobs and gave them the direct deposit information on this page. Today I got my first paycheck from my new job. It is showing up in the app, but not as an available balance on my card. I tried to call the Wisely card number and they see no deposit. I then tried to call ADP and was told there's no one who talks to end users there. My money is there, the deposit shows it was sent to the account info attached to my card, but they refuse to give me access to it.
Product: Credit reporting or other personal consumer reports

I was denied credit line increase because the company pulled my transunion credit report and use the Transunion Rapid Default XXXX XXXX XXXX scoring system as I reached out to transunion to get information on this report and score I was told transunion has nothing to do with this scoring model by several representatives I am entitled to this infomercial because it was used to deny my credit the score reported on this model is XXXX in a XXXX to XXXX system while my XXXX and XXXX are XXXX plus these credit companies are making it harder and harder to have an accurate understanding of your score
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on EXPERIAN. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

Someone opened a Bank of America account fraudulently in my name. I can not open any other accounts with other banks because of that.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I have a medical bill turned over to this company twice by the same hospital. The first time I received a forwarded letter from an old address that they had taken me to court and were going to garnish my wages. Not to mention the fact that the only reason I owed this debt is because the hospital did not file the claim in a timely manner with the correct insurance company. I tried to explain this but was told that I had to pay it anyway. I set up payment arrangements, updated all of my information. 
Just recently I received another forwarded letter that I had missed a court date and they were going to garnish my wages. Keep in mind that this company has all of my updated information. The hospital does as well. Yet it was still sent to an address that I have not lived at in more than 18 months. Once again the hospital did not file the claim in a timely manner with the correct insurance company. So now I've missed 2 court dates that I had no clue about and my wages are in the process of being garnished. Mendelson informed me that there was nothing I could do but pay the claims. I do not think this is fair or correct. Especially when this company was very well aware of where I live, my phone number, and where I work. Of course, they didn't have a problem filing garnishment with my employer. Yet didn't feel the need to update my information so that I could show up to a court date and dispute my case. I do have letters from my primary and secondary insurance companies showing that I had insurance and that nothing was filed on the dates that I am being garnished for.
Product: Credit reporting or other personal consumer reports

XXXXTransUnion and XXXXThese 3-credit bureaus are reporting fraudulent inaccurate information on my credit report. They also have old addresses and wrong names on my report. This has affected me adversely it's not until I pulled my report recently when I discovered that the information on my report was inaccurate : Wrong names Wrong address Wrongs husband 's names Debts that I was not aware of.
Product: Credit reporting or other personal consumer reports

I am seeking a mortgage but have been experiencing significant delays due to errors on my credit reports from XXXX, Experian, and XXXX. The same accounts are being reported with different payment statuses and delinquency information across the bureaus, creating confusion that are negatively impacting my score. I've contacted all creditors to verify accuracy and request updates, specifically asking for clarification on the varying payment statuses, but the issues persist. Years ago, my wallet that contained my Social Security card and many identifying documents was stolen. I reported this to the police and obtained new documents quickly, but I'm concerned that some accounts may be fraudulent, contributing to the inaccuracies on my reports. I urge the CFPB to assist in resolving these discrepancies quickly to avoid further delays in my mortgage application and protect my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U.S. Bankruptcy Court XXXX XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XXXX/XXXXXXXX
Product: Mortgage

I am a probate attorney, and I represent a widow whose husband died in  XXXX  of  XXXX . The widow received the decedent 's house as heir, and the house is now in her name. The house has a mortgage on it.     We have been trying to arrange for the lender, Chase Bank, to issue a form  XXXX  so that the widow, as owner of the house, can deduct the mortgage interest on her income tax returns. Chase Bank refuses to issue the Form  XXXX  to the IRS, which will cost the widow because she will not be able to deduct the interest payments. Chase Bank is trying to force the widow to refinance or assume the mortgage, both of which will cost fees she can not afford, and I do not think she will qualify for a new mortgage.     I have a letter dated  XXXX   XXXX ,  XXXX  which falsely quotes nonexistent IRS law defining a " qualified mortgage '' to exclude mortgages incurred by the decedent on a house inherited and owned by the widowed spouse. I checked the statute and the  Internal Revenue Code d oes NOT have any such restriction or definition! I have never encountered this treatment by any bank. Other banks are willing to change the Social Securit y Number t o the heir 's so the heir who gets a house can deduct the interest payments.     This is clearly a violation of the spirit of  XXXX   XXXX   XXXX   XXXX  which prohibits foreclosure on inherited houses as long as the heir continues to make the mortgage payments. Please let Chase Bank know their action is illegal and harmful to consumers. Thank you.
Product: Student loan

I have received a full discharge of my federal student loans for attending XXXX XXXX XXXX MN because of school misconduct through Borrower Defense. 
My private loans were held with Navient for 20 years with Navient and with NaviRefi for the past year. 
NaviRefi is owned by Navient and will not provide a School Misconduct Discharge Application.
Product: Debt collection

We moved out of the apartment in XX/XX/XXXX. We had at the time applied for rent relief. Three years later we got this notice from IQ international that we owe the amount of the rent that the state did not provide to the rental company, plus over {$1200.00} worth of interest from XXXX. We had never received a notice from them until XX/XX/XXXX. They even admitted on the phone that no notice was given about this debt until XXXX because the rental company never attempted to collect and never contacted people about this before. Now they are trying to charge {$1200.00} worth of interest based on the three years when nobody was informed or knew about it. Moreover, when I talked to the woman ( XXXX ) from IQ International on the phone, she refused to allow us to make payments toward this debt. She demanded the {$6200.00} payment in full on the phone. I think this is also abusive and we are trying to make payments because we fear them going after our credit report as we are trying to save money to buy a home.
Product: Credit card or prepaid card

Each month since XX/XX/2020 Ive been billed {$48.00} for a service I do not have access to and have never used.
Product: Debt collection

I am currently disputing a debt with Nissan Motor Acceptance Corporation because the have violated my contract in the Truth in Lending Act. While disputing it I saw that they have violated the FDCPA as well due to me a having a cease and desist against them ( USC 15 1692c ( c ) ) meaning ceasing communication ; if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ; ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

This was not the case with Nissan they did not give me any remedy and they continued to send me statements saying that I owe a debt after they received the cease and desist and not only did they send me statements they reported late payments on my consumer report which a violation of the FDCPA. 

I have called them about about this matter and all they did was put me on hold and transferred me to different managers and the last one told me that her manager was in a meeting and to leave a voice message and he still hasn't returned my call. This is shameful that I have to go through this in order to get this company to follow federal law. 

I am also demanding my payments that have paid on this alleged debt be sent back to me according to ( 15 USC 1692h ) If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. 

I demand that Nissan start abiding by the law take of of this matter so I will not receive further injury.
Product: Debt collection

Concord Servicing is the BIGGEST, RIPOFF Company that EVER EXISTS!!! I wish there was a MINUS RATING that I could give them they REALLY DO DESERVE IT!!! DO NOT EVER DO BUSINESS WITH THEM IF YOU HAVE A CHOICE!!!! I had an account through XXXX XXXX and and never missed a payment or never late on a payment. After a few months XXXX transferred my account along with thousands of others to CONCORD SERVICING. WHY my account got transferred is a mystery to me. My payment was due on XX/XX/2020. I called Concord to make the payment and was told that they could not take my payment ( so they REFUSED my payment ), I was told to call back on XXXX XXXX, I called them then and was told the same thing that they could not take my payment and to call back the next day. I called again on XXXX XXXX and was again told they same thing that they could not take my payment and to call back the next day. So I called again on XX/XX/XXXX and was finally told that they had my account transferred over in their system and that because of the delay and the fact that it was their fault they were waiving my XXXX payment and that my next payment would be due on XX/XX/XXXX. I logged onto the website today ( XXXX XXXX ) to make my payment and it shows that I am 30 days behind in payments and there is 2 months payment due. My XXXX payment was NOT WAIVED as promised. I called in to complain about it and was told that yes they did make a mistake in their computers and that the people I spoke with in XXXX LIED to me ( and MANY others ) and gave me incorrect information and that XXXX payment is still due along with XXXX ... I am XXXX and live on a tight budget so with that and all of this XXXX issues it really helped to not have to make a payment for XXXX. BUT now I find out that XXXX is screwing me over and messing up my credit rating and causing MAJOR problems and inconveniences this month. WHAT A HAPPY HOLIDAYS this is going to be!!! And DO NOT expect any compassion from ANY of the people that you will talk to on the phone. I have called many times and have NEVER spoke to ANYONE who can speak more that 2 words of English in a row, it is almost impossible to understand them without asking them to repeat themselves over and over again. These people DO NOT CARE that they are hurting their customers!!! So like I said at the beginning - DO NOT DO BUSINESS WITH THESE CROOKS!!!!
Product: Checking or savings account

I opened an account in the 1990 's with XXXX Bank. XXXX bank was sold to XXXX Bank. I had several accounts with them. While going through a marriage separation, we were trying to limit the deposits and separate expenses in this joint account. There was NO overdraft protection. TD charged my account for overdraft fees. I immediately contacted them and they admitted this was an error and reversed the charges. This happened again for the next few months. Each time I called and they reversed it. They told me they put a note in my file to not apply overdraft but it could take several months. Each month, I continued to call and they reversed it. Then they reported all these errors as " late fees '' on a {$1000.00} line of credit I never had. I went to the branch and they apologized. Customer service assured me this would be reversed. It stayed on my credit report. XXXX late payments showed on my credit report and basically destroyed my financial life. I was denied mortgages and more. I hired a XXXX XXXX XXXX & they were told this would be reversed. XXXX years later it is STILL on my credit report. XXXX Bank takes no responsibility. XXXX has also helped me dispute it but TD refuses to remove it even though I have proof this was their error and they credited the fees. XXXX told me to file a complaint with the CFPB. Your assistance in removing this from my credit report ASAP would be greatly appreciated. It shows as a {$1000.00} line of credit and I've spent thousands of dollars and over XXXX years of time trying to reverse this error. No one would XXXX late payments on a {$1000.00} LOC. This was never authorized to be on my account. Again, your assistance would be welcomed. This truly ruined my financial life. Thank you.
Product: Credit reporting or other personal consumer reports

" I received an update from XXXX XXXX XXXX  regarding missed payments on my credit report. This should be updated to reflect 'Paid as Agreed. " & NEVER LATE Additionally, I have attached a document from XXXX XXXX XXXX  for your reference. ''