23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I bought my house in XXXX XXXX, with an FHA program, it was financed with Bank or America ( not my choice ). XX/XX/XXXX BAC sold my mortgage to XXXX XXXX XXXX. In XXXX XXXX I received my statement from XXXX with a late charge of {$27.00}. I called XXXX and asked about this and was told by the consultant that it was a late charge from Bank of America. I have not had my mortgage with BAC for over a year. I am disputing this charge with XXXX in writing with a letter. I am disputing this charge with BAC through you. I have no date or explanation of this charge. I do not owe BAC anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, LVNV Funding LLC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, LVNV Funding LLC has violated my rights as a consumer and I am requesting legal action to remove this account immediately
Product: Debt collection

My past due medical bills were sent from the collection agency to a law office. They sent me a letter saying I owed an amount. I called them to talk about it. XXXX stated she wasnt going to go over it with me over the phone and would send me the bills I requested. On the XXXX of XXXX they sent me a summons for court. I called them on that day and the lady said in her notes she went over my account with me which is a lie because she said she couldnt and would send them to me in the mail. I called again today the XXXX to set something up to try and get it paid and the guy I talked to said the First Lady never requested the bills to be sent to me the first time I called on XX/XX/XXXX. So their employee never followed up so I could verify my debt.
Product: Mortgage

I have made my mortgage payment to DiTech on XXXX XXXX, but has still not been taken out of my account. Online DiTech site shows a payment was applied for the date I did the online payment. I 'm wondering and waiting for the payment to actually be debited from my account but also think this tactic is to get more late fees from me. DiTech has not let me know by mail if my loan modification loan was accepted or denied. I put the paperwork in XX/XX/XXXX and was told on a phone call in XX/XX/XXXX my paperwork has n't had a loan person assigned yet as I have a XXXX loan. I just need to know what 's going on other than by harassing phone calls about my late payments. Not at all happy with them and think the federal government show investigate this compsny
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been married for 3 years and Transunion has the wrong last name for me. This in turn caused the credit monitoring company ( XXXXy ) to not allow me to set up online access. 
Both of these companies are requiring me to mail in information. Personal information that I do not feel comfortable mailing. They do not offer a fax number or email address to send this information either. 
They do not offer a feedback section via phone or website. 
Transunion has an app and a website you can log into but does not offer a secure message option to upload documents either. 
I have reported this to the XXXX  and I am adding my complaint on here. This is 2019, mail is not the only way to deliver things. I was willing to find a fax machine as well, but they stated they no longer use this.
Product: Debt collection

The Medical debt should be removed and should have never been sold to a collection agency. I have and had insurance at the and every time I saw DR I paid CO-pay as agreed. I contacted my insurance and was told that all medical bill was paid as agreed.
Product: Checking or savings account

On XX/XX/year>25 at around XXXX at CitiBank on XXXX XXXX XXXX, XX/XX/XXXX ny XXXX I used atm # XXXX and make a cash deposit of {$1800.00}. It went through with no issues and I got my receipt. After that was completed, I proceeded to make another cash deposit at the same ATM machine. I inserted my cash which was in XXXX $ bills and is believed to be $ XXXX {$1900.00} that I was depositing. The ATM machine closed after the cash was inserted. It made a noise as if it was counting the cash, after like a minute of the screen loading it immediately said " this acceptor can not accept cash '' and went blank. Shortly after on the screen it said this atm can not accept or deposit cash and never gave me my money back or a receipt, the money did not post to my account. I quickly went to a teller to ask them what is wrong since this is my rent money and they told me to call the number on the back of my card. I called citibank waited 45 mins on hold, they made me file a dispute and I still don't have my rent money back.
Product: Vehicle loan or lease

Back in XXXX of XXXX, I purchased a XXXX XXXX XXXX XXXX. The vehicle was financed through Mercedes Financial. Fast forward to XX/XX/XXXX, I was on autopay with my debit card. As a unconscious mistake, I didn't realize the debit card linked to my account was expired and not updated within the system. It was only after I noticed the payment had not been deducted from my account that I reached out to Mercedes. It was at that point that I was told there was no way for me to pay the missed payments. I was told they either wanted the loan balance in full. I tried to speak with them and negotiate paying the back payments and bringing the loan current. They told me there was absolutely no option to do so. They told me they wanted the car, or for me to pay the loan in full. 

Fast forward to present day, I have lost my job. I unexpectedly lost my husband, and have been trying to get my affairs back in order. I recently reached out to Mercedes and now I have been told a different story as to how I can reinstate the payments, pay the total payoff or turn the vehicle into a Mercedes dealership. However, they did not state what will happen if I turn the vehicle into Mercedes regarding the loan balance. 

I requested a statement of my payment history. At the time of my phone call I was told the payoff was {$30000.00}. However, upon receiving the payoff statement it was reflected of {$26000.00}.
Product: Student loan

This account XXXX was open on XX/XX/XXXX and is inaccurate because this account was open without my authorization, when I attended XXXX XXXX XXXX  XX/XX/XXXX-XX/XX/XXXX for the only loan the I was aware of was for the financial aid offer thru department of education. The financial aid staff fill out my application for my financial aid the whole process was done in a rush and everything was done e-sing thru the application on the computer. My understanding was the I was signing my financial aid application. I didnt know nothing about the XXXX XXXX XXXX loan offer thru First Associates, I found out about this account 6 months after my graduation. I send a letter on XX/XX/XXXX to first associate requesting the removal of this loan for the reason the I didnt authorize this loan. They replay on XX/XX/XXXX staying ( That understand I have requested debt forgiveness. they are not a branch of XXXX. There administrative authority is strictly limited to the terms of original contract terms. The unfortunately they can not make changes or otherwise modify contract terms, including but not limited to my request for debt forgiveness. ) This application was not fill out or sing by me and I can prove it, the copy of the contract they send to me the information is not accrued. This application was done in XX/XX/XXXX and in one part of the application said ( XXXX XXXX XXXX ) Im a us citizen sent XX/XX/XXXX this application was done fraudulently is unfair the I have to be paying for something I didnt authorize. Since I finish XXXX I have not been able to find a job, the job in this field require a XXXX XXXX or higher education. Now this account is on a collection status of {$6000.00} on my credit report. I am so disappointed I spent 2 year after a degree the is not good for nothing I have a debt the I 'm not able to pay. to be in a worse situation my landlord is asking me for the apartment the I 'm leaving inn at the moment and because of this debt I 'm not able to find a good place to live because of this school and this private loan my credit is not good. I 'm not going to be able to rent a good apartment or buy a house, get credit card, or improved my credit rating. This has ruined me more financially the I was before. Now I will be ending up in a shelter with my XXXX kid because this school mislead me with false information they assure me they will help me obtain more desirable jobs and higher income to better my live and my future and now i do n't have nothing only more problems them before
Product: Mortgage

Chase Mortgage failed to pay my Property Taxes by the Due Date resulting in a overdue penalty of {$870.00} which they are refusing to pay. 

My mortgage had been pushed from one loan servicer to another and finally ended up at Chase. Each transfer we had to follow up with the loan servicers to make sure they were aware of upcoming taxes and had our homeowners insurance on file. 
For this transfer we again confirmed that Chase would pay our taxes. Our Chase private banker, XXXX XXXX, told us Chase would pay the property taxes. Taxes had a " Due Date '' of XX/XX/22. Because Chase stated they would pay them we did not. We gave the funds a couple weeks to settle and on XX/XX/22, XXXX ( at Chase Mortgage Tax Department ) was able to end the escrow account at our request. On XX/XX/22, XXXX receive a letter from the county stating our taxes were delinquent and had not been paid. 

I have spend countless hours on the phone and jumping through various hoops to get documents attached to different Chase cases associated with this complaint. Either I learn that the documents were never attached or more recently I just didn't get a response at all from the executive office. 

I am attaching the Tax Bill that clearly shows the " Due Date ''. Chase claims they often pay after the Due Date because there is a grace period. If Chase is impounding client 's money through an escrow, they are to pay bills on time and not be delinquent ( regardless if there is a monetary penalty or not ).
Product: Credit reporting or other personal consumer reports

TO WHOM THIS MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT, THE ACCOUNTS LISTED BELOW ARE NOT ANY COMPANIES THAT I HAVE APPLIED FOR CREDIT FROM. THEY ARE ALL ACCOUNTS OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THEY ARE FRADULENT AND NEED TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WEL AS THE FTC. I AM PROVIDING YOU COPIES OF THESE ITEMS TO SUPPORT MY CASE ACCOUNTS TO REMOVE XXXX XXXX XXXX XXXXXXXX {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed a multiple inquiry removal letter on   XXXX   in order to dispute information on all  3  credit reports. in regards the hard inquiries that are being reported on my credit reports. The request i submitted included hard inquiries that are not factual and i recieved the same response for ALL inquiries, which stated all inquiries are factual record of file access. If you believe this was unathorized contact creditor. According to FCRA Rules, F CRA 623 ( B ) ( 2 ) AND 611 ( A ) ( 1 ) it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the cra mist delete disputed informa tion from its files. The fact that i recieved a response 4 days later one can only assume there was no investigation, I am submitting this complaint due to lack of investigation. This is unfair pratices by the credit reporting agencies with no concern for the consumer credit worthiness.     these are the disputed inquiries   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX      XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Bank
Product: Vehicle loan or lease

I contacted Ally Financial in XX/XX/2022 regarding an auto loan I was unable to pay after falling ill to XXXX and being without pay for 3 months. They agreed to accept 1 payment immediately and allow me to pay extra for a couple months to catch up. But after taking the payment by phone they continued to bill me normally which resulted in me falling even further behind. It's disheartening to have these guys misrepresent what they're willing to do in order to get a payment and makes trusting anything they say very difficult. They've now reposessed the vehicle without providing me with the required Notice of Right to Cure or the Notice of Right to Redeem. I've contacted them and they've been completely uncooperative, and misleading, with one Agent in the Redemption Department telling me that he wasn't allowed to provide his full name ( XXXX ) or allow me to speak with a Superviror, and that my only option for getting my car back was to pay the full amount past due as well as late fees and that I'd have to pay the company that reposessed the car. These charges have stacked up to over {$4000.00} total. XXXX assured me that that is Ally 's policy and that they have no program to assist customers having these sort of issues. With times being so difficult on everyone, and the Federal Government helping U.S. Companies, including Ally, I find it difficult to believe that Ally would be so abrasive and hostile towards customers and refuse to help.
Product: Credit reporting or other personal consumer reports

After XXXX XXXX turned down the CFPB complaint ( XXXX ), I had the police contact me. He said my co-owner got scammed, and she has given all the information about her bank accounts, including her XXXX XXXX account. 
He said he would try to contact the XXXX XXXX XXXX Representative XXXX Complaints Management Office to explain my situation, explain why this is a fraud, and ask for additional information so that he can investigate more deeply. So, I waited until he called me back. However, when I emailed him recently, he replied that nobody replied to his call. It made me think XXXX XXXX doesn't want to talk with the police. This significant debt, which I don't deserve because I have never touched my account back in my home country or my co-owner, is too large, and I still don't understand why this complaint was turned down. I am a victim of fraud, and I would like CFPB and XXXX XXXX to help me figure out how to deal with this challenging situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

A Apple Card was opened in my name but I had no clue that I had this card I am not paying the XXXX dollar bill
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX XXXX, Experian XXXX information on my credit report to be accurate. According to my Credit Report from XXXX I have attached my documents showing that XXXX XXXX PAYMENT HISTORY was never reported but also claims the Last Updated was XX/XX/XXXX as well which shows no such dates. How is it that XXXX can report a XXXX payment history when it clearly states it was never reported. This is false reporting and damaging to my credit history and credit worthiness. According to the OLDER DEROGATORY EVENTS nothing has been reported for the past XXXX. Experian XXXX, Delinquency, Payment Status, Closed Date, Last Activity, Terms, High Balance doesn't match XXXX, XXXX. Both XXXX and Experian are both reporting inaccurate information but claims to be Verified. As you can see, all XXXX entries are different with Experian, XXXX, and XXXX. If the reporting information is accurate, how can all three bureaus have different information and even different filing dates? Under FCRA 609. Disclosures to consumers [ 15 U.S.C.

1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. 
Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to reach NFCU on numerous occasions regarding this debt that I allegedly owe. I do not recall ever having a credit card with this company. NFCU is also illegally reporting inaccurate information. This account has been closed and charged-off for years and is still reporting monthly late payments. Which itself is grounds for it's immediate removal from my credit profiles. 

If this account is not removed I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
Product: Credit reporting or other personal consumer reports

The consumer reporting agency Transunion failed to ensure that the furnisher properly investigated and gave them Transunion complete and accurate information. As it stands the accounts that I have disputed in a 3rd attempt are in violation of 15 USC 1681e ( b ). I want the accounts removed immediately because this consumer reporting agency is approving incomplete and inaccurate account information. There are a total of 3 accounts in their records that are on my credit filed reflecting as inaccurate and incomplete. These accounts either show " No Data '' which implies the account 's incompleteness or subsequential and inaccurately formatted negative items being reported in each of the XXXX account 's payment history as " XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX '' this does not align with accurate reportings of late payment which line up in a specific order as it increases.
Product: Debt collection

I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. 
Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
Product: Debt collection

I have a relatively new phone number. The company cross-referenced my number to an old XXXX debt that is not mine. 
I have explained to the caller, twice, that this is not my debt and that they have the wrong person. Once I gave them that information I stopped communicating with them. They call everyday and leave a message that I owe money to them that I used to owe to XXXX. That they have been authorized by XXXX to collect and that I need to call them back and pay up. 
The name of the company is : Enhanced Recovery Systems,XXXX XXXX XXXX, XXXX , FL XXXX ( XXXX ) XXXXIf you do an internet search of this company you will find dozens of complaints against their tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you regarding some fraudulent accounts appearing in my credit file. I have recently become a victim of identity theft.
Product: Debt collection

Allied collection service has been contacting me regarding an {$1600.00} XXXX XXXX bill that was settled XX/XX/2017 for the amount of {$1000.00}. The account was settled with XXXX XXXX XXXX now known as XXXX XXXX XXXX. I contacted both companies trying to get a receipt or proof of payment mailed to me I've been told that I will receive something in the mail. I've been waiting for over a year for the proof, the only proof I have is my bank stamen which shows the payment for the amount and the companies name and number. I took the stamen to XXXX XXXX  and they told me that it wasn't enough. I also have my policy numbers so if its possible please help this has caused a negative impact on my credit.