23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

This is to complain about BoA and XXXX using their powers to place pressure on manufacturers and American citizens by denying services to them because they are using a constitutionally protected right and have done absolutely nothing wrong. I hate the fact that my tax dollars were used to bail their sorry butts out and now they are trying to get in to social engineering. Just who do they think they are? I for one will never do business with them because of it.
Product: Credit reporting or other personal consumer reports

A few months back I disputed a company by the name of XXXX XXXX XXXX with Experian. When I disputed this company with Experian I requested for them to provide me with PROPER documentation that would solidify their reasoning in believing his debt is owed by me. THIS DEBT IS NOT OWED BY ME, The debt is not with any of the credit bureaus expect Experian which is HIGHLY SUSPICIOUS and they have not provided with any documents or wet signatures requested by me. This leads me to believe that Experian has conducted a improper and unethical investigation of this account because its deemed verified without providing me the documentation I requested. This is affecting my day to day life in a negative light.
Product: Student loan

My private loans are serviced through AES. I lost my job in  XXXX  and have been struggling to make my payments. I was finally able to file for a loan modification. After spending {$45.00} to overnight the information ( which wa s 50+ pages ), I was to ld that not everything was turned in correctly and that they needed more information. I called  FOUR different times, talking to FOUR different representatives that all told me something different on what other information I needed to send in. I was assured that the information I sent in the last time was correct. While still waiting to find out a decision I called tonight and was told once again that I did n't have the correct information, which now it is past the 10 day period to turn in additional information and I 'm being told I would have to start all over. While in this state of trying to get my payments lowered, they have since increased my payments again. I have no idea how I am expected to pay almost {$600.00} a month when I am not working and only have my husbands income. It is so frustrating to do everything you are told to do and still they find another excuse on something that was not turned in. For example, my grandfather is my cosigner and I had to send in all the student loans he is on. The only loans are through AES and I have printed statements for both my sister and myself and I 'm now being told since they do n't have his name on them it 's not good enough. When the loans are serviced BY AES and tha t 's who I 'm trying to get the modification though!! I 'm guessing the only thing I can do at this point is stop paying them a nd hope that when I default they will accept a reasonable amount of money each month instead of almost 2 weeks of pay. And I really hope for all the other poor people trying to get help that they train their employees to be all on the same page and not  give someone a different answer every single time they call in.
Product: Credit reporting or other personal consumer reports

Experian did not correct my disputes that were wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent over a letter to have hard inquiries deleted from my credit reports along with a copy of a police report but my hard inquiries have yet to be deleted. I am sending this complaint because the negative information needs to come off my credit reports immediately
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor, Ally Financial, has violated my rights. Under 15 USC 1681 Section 602, it states I have the right to privacy. Under 15 USC 1681 Section 604A Section 2, it states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, it states that a creditor may not treat a credit account under an open consumer plan as late for any purpose. Please assist in getting the late payment reporting from Ally Financial removed from my credit report. Thank you!
Product: Credit card or prepaid card

was hacked but amex they need to get this off my record asap
Product: Checking or savings account

XXXX XXXX XXXX ... .dob XXXX Chase bank of XXXX XXXX tx.. 
Missing CD ... from 2002 & missing bank account..XXXX  XXXX  medical supplies..people are hacking my phone..so please call me..thank you..
Product: Credit card or prepaid card

Discover Financial Services began sending me requests to complete IRS form XXXX, XXXX Request for Transcript of Tax Return, starting on XX/XX/2021 and they were completed and returned TWICE on XXXX/XXXX/3021 and XX/XX/2021. Prior to receiving these documents, Discover placed a hold on online access and card spending on my account until these forms were signed and returned. I waited for weeks, and repeatedly called Discover to ask when I would receive access to my accounts again. I even had to call Discover to make my credit card payments. I was always redirected to their " Consumer Protection/Security Group '' and the answer was " you've signed these documents, so you should regain access to your accounts once we finish processing them. '' When I asked if this was a financial review, every customer service rep and Security rep would say " not really, we randomly select people to go through this verification process. You should never have to do it again! '' ( that particular call was on Thursday XX/XX/2021 ). I never received any status updates or requests for additional information from Discover during their entire verification process. On Monday XX/XX/XXXX, Discover Financial Services sent me the attached email saying that a business decision was made to close my account. The email stated that this was an irreversible decision, and that this process and the inability to appeal was stated in my cardmember agreement. The email stated that Discover Financial Services reported to the credit bureaus that they would report my account as " closed by Grantor. '' I no longer have access to this agreement because my account was closed and deactivated. When I questioned Discover about their verification and decision processes, they stated that they had no information regarding the basis of my verification process, and why it ultimately lead to the decision to close my account. I was told my multiple Customer Security Group reps and customer service reps that they have no process in place to appeal this process, nor the ability to disclose what information they used to arrive at their decision, nor the ability to disclose the basis of their business decision.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

I ordered aligners from XXXX XXXX XXXX ( CREDITOR ) to fix minimal teeth issues with XXXXealth Care Finance Direct as the payment processor. During the treatment I have told them that the treatment and aligners they gave me doesnt seem to make any changes and that I want to have a refund for it. I have images attached of our exchange of conversation through email. Apparently after they have communicated with my practicing dentist named XXXX XXXX, they told me that I need to continue my treatment plan to see if anything changes. I finished taking all my aligners and there seems to be no change so I told them that I want to refund it since I have brought the issue even before finishing the treatment plan. Also they charged me for the retainers since its automatic after finishing all the aligners but then I did not receive anything. I contacted them to ask for a refund since I dont have it with me or told them to give me a new one then. But then they told me they can not give me a new retainers since Ive been having issue with the progress of my teeth and doing so would not help it ( which makes sense ). They offered to me to take their lifetime guarantee but i decided not to since there will still be recurring extra payments for that ( I have proof of the email stating of the amount I need to pay for this ) and also I do not trust them already since they can not fix my issue even before. Then XXXX went bankrupt and I can no longer talk to anyone about this issue and about refund. XXXX have Health Care Finance Direct as the payment processor and even though I told HDF about this they still continue to charge me monthly. This makes no sense as there is a breach of contract between the parties since the said XXXX  can no longer fulfill its services to me which is their client and also part of the contract.
Product: Mortgage

I contacted Quicken Loans to refinance my FHA mortgage. I was told that I could refinance into a conventional loan with no PMI if I qualified. I said that I estimated my home to be in the {$300.00} 's but that I was not actually sure how much it would be appraised for. I was told that I had to have XXXX % LTV to qualify for the conventional mortgage and it needed to appraise for {$310000.00} to do. After this conversation, I followed up in an email to this representative that confirmed the new mortgage payment amount and closing costs if I qualified. He responded that those amounts were correct. The appraisal was under-researched and, in my opinion, worthless. The appraiser did a " second-look '' and came back with a higher amount, though he did not account for the properties that I sent him that were more comparable than the ones he was using. There was no reason given as to why those properties were selected rather than the more comparable ones I sent. I have been sent multiple " Redisclosure Packages '' throughout this process and each time, the mortgage payments and closing costs increase. The final package reflected closing costs that were double ( {$15000.00} almost ) than I was originally told/confirmed. There was no explanation as to why these doubled. It felt as though Quicken Loans was trying to hide this and slide it past me before I went to settlement. This process has been deceptive from the beginning. I have been told that I will not get the refinance at the terms originally offered and I am now out {$500.00} for a unusable appraisal, which Quicken Loans also refuses to refund me. This has been a month of my time and money wasted.
Product: Credit card

I applied for a chase credit card on XX/XX/2016 my XXXX profile and XXXX and XXXX recommends me to apply for a Chase Freedom credit card. I must of forget to follow up on the inquiry on XX/XX/XXXX I receive a letter from Chase to contact them. I was told because I have a fraud alert on my credit file, but with no contact number I would have to contact XXXX. So I called my senator and he gave me the corporate number of XXXX. I talked with XXXX of the Executive office he was surprised that someone was able to bypass the automated system and come in on a straight call. He updated my fraud alert phone number on my credit file, he said that it would take minutes to update. So, I had a previous dispute report number I used it and the proper information he place was in my credit report with my contact number of XXXX. I called back to Chase bank today on the XXXX/XXXX/2016 and after the agent verified the code sent to my cell phone, she said " you called here yesterday '' I said yes I did I told her the story like I explained in the above, she did not do anything. Her voice and tone were very rude. I asked for a supervisor she said why then the phone discoed
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the XXXX XXXX XXXX XXXX with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Vehicle loan or lease

I have been leasing Honda automobiles continuously since XXXX. 

I leased a new Honda XXXX in XX/XX/XXXX, for a 3 year term. Toward the end of the 3 year term, I informed Honda that I would like to extend the lease for 6 months. Honda sent me a lease extension agreement by email in XX/XX/XXXX. Unfortunately, I did not return the signed lease agreement until this week. ( I was unable to download the attachment, as it appeared to the network filters as spam. ) I MADE ALL PAYMENTS ON TIME AND DID NOT MISS A SINGLE PAYMENT. 

Honda repossessed the vehicle on XX/XX/XXXX, claiming they did so because I did not return the lease extension they sent me. 

Under NY law, I believe I have the right to cure this defect by submitting the required, signed agreement. I did not willfully ignore the requirement to sign the extension. Honda will not budge, and they claim they will put the car up for auction and will not permit me to resume leasing the vehicle. I am facing potentially thousands of dollars of debt if the car sells at a low price at auction.

I believe that Honda is violating my rights by not permitting me to resume my lease.
Product: Mortgage

Loan Depot seems to be uninterested in meeting their preferred lender ethical standards as well as not understanding the non-predatory language and laws in effect today. My application for a re-fi from conventional to a VA loan is approved but yet no closing date after more than 60 days? When you are told to " step back '' and it 's " really getting hard to process your loan '' the VA OIG needs to get involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. 
They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. 
XXXXXXXX XXXX CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX XXXX AND XXXX, XXXX, EQUIFAX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! 
XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After XXXX I contacted creditor to make aware of the fraud. I advised them of the identity theft. 
They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. 
XXXXXXXX XXXX  CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXXXXXX XXXX AND XXXX, XXXX, EQUIFAX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! 
XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXXXXXX XXXX IS REPORTING THIS INFORMATION AS ACCURATE AND VERIFIED. SO HAVE THE CREDIT BUREAUS, YET THEY ARE NOT USING INVESTIGATIONS, THEY ARE NOT PROVIDING ME WITH ANY INFORMATION ON HOW THEIR INVESTIGATION RESULTS WERE CONCLUDED, THEY ARENT PROVIDING DETAILS ( BY LAW ) ON WHICH METHODS OR PRACTICES OR RESOURCES THEY HAVE USED TO COME TO THE DECISON.
Product: Money transfer, virtual currency, or money service

I opened a XXXX account in XX/XX/XXXX or XX/XX/XXXX. I used it on a number of occasions with my current cell number. Never had any issues. A friend was buying one of my designer purses & I told her to just XXXX me the money when she got paid which was this past Fri. ( XX/XX/XXXX ). By Saturday ( XX/XX/XXXX ) I still hadnt received the payment but it said it processed on her end! I called my bank & they couldnt help stating that my XXXX /bank acct wasnt the issue but my mobile # was inactive. We thought it could be because I received a new debit card & XXXX didnt have it! I tried loggin into my XXXX acct the same day with no luck! I then called XXXX on the XX/XX/XXXX & explained I had a new debit card, couldnt access my XXXX acct & my money my friend sent the day before is missing! The gentleman typed in my number only to find out its registred to a XXXX XXXX  account! Which Ive never even had a XXXX XXXX  acct. I than called XXXX XXXX hoping they could help me & all they did was take down my info & told me my friend who sent the funds had to call her bank account! Which she did ( same day XX/XX/XXXX ) & they contacted her today ( XX/XX/XXXX ) & told her they dont know if they can give her back the funds as theyve been pulled! I called XXXX back today myself & told them this has been my cell number for over 13 years & the changes to my XXXX account & connecting them to this so called XXXX XXXX acct are all fraudulent! I told them Id give them my cell phone bill info as well as my bill & probe the owner to this account never had such a bank acct & to please close this person down as what there doing is illegal! They refuse to help! Im lost as I do not work & I believe this is being done by an exfriend who has done other malicious things to me out of spite & jealousy! Is there anyway to help?
Product: Debt collection

National Credit System is reporting an account on my credit report for XXXX XXXX XXXX. I lived in this community over 7 years ago. When I moved out all my balances were paid in full. I have contacted National Credit System multiple times mail and by phone and have let to recieved a repond as to what this balance is for. This account is seriously hinding my credit report and I need this resolved as soon as possible.
Product: Checking or savings account

I made a cash deposit at a XXXX XXXX XXXX XXXX and navy federal refuses to release funds. This is theft and their should not be a five business day hold on cash deposits. When I inquired I was told it was because of XXXX holdings of the funds and of course XXXX  states it is navy federals policy. Basically they are blaming each other and their is no way to reverse the transaction so, now I just have to wait. I know nothing will come from this complaint but it makes me feel better.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a collection account reported on my, consumer report. The account is currently listed by XXXX XXXX XXXX. 
I dispute the validity of this collection for the following reason : Lack of Authorization to Collect in North Carolina : According to the North Carolina Department of Justice, debt XXXX must be licensed by the state to collect debts from North Carolina residents. We have been unable to locate a valid North Carolina debt collection license for XXXX XXXX XXXX Fair Debt Collection Practices Act ( FDCPA ) Violation The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt XXXX from attempting to collect debts if they are not properly licensed in the state. By attempting to collect on this debt without a valid North Carolina license, XXXX XXXX XXXX is in violation of the FDCPA.
Product: Prepaid card

In XX/XX/XXXX, I was gifted a {$100.00} visa gift card from Vanillla Gifts as part of a baby shower. I went to use the the card on XX/XX/XXXXXXXX  and there were only {$1.00} left. I reached out to Vanilla Gifts and filed a claim on XX/XX/XXXX to which I was told could take 90 days. My claim is : XXXX. 

I followed up with them nearly every 6 months since and it has been over 2 years now without a response or update from them.
Product: Debt collection

On XX/XX/XXXX, I contacted Goodleap about the damages done to the my roof. They claimed that they were only responsible for offering the finance and refused to fix my roof because the solar company XXXX went out of business. I contacted GoodLeap several times and they refused to pay for the damages for a loan they financed! In addition, this company prevents customers from updating any payment information on their website as well as the records they have. It is very difficult to resolve this matter as I reached out to my state senator to address this matter. 

After this they have repeatedly denied they are responsible and constantly claimed that they are the financier. They have done nothing to rectify the matter. On XX/XX/XXXX I placed on a payment plan, I agreed to make my first payment on XX/XX/XXXX. I received a slew of emails and messages that made me make a payment when we had already agreed to an XXXX debit transaction. On XX/XX/XXXX, they took XXXX payments and refused to retuned the funds for the overpayment to my checking account. When I spoke to a XXXX she stated that I made an error. I was like, how did I make an error when XXXX payment was already credited to the account. When I asked assistance, I was told that there was no one to assist or refund my money for the excess payments! I was bombarded with text messages and emails that had me paid more than once, this is bullying and it needs to stop!