23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

21st Mortgage called me and since last month I was struggling but I was able to make the payment but I let them know this month I need help, I asked for help and I spoke to two representative which started to harass me. I answered the questions and after I told them how much I was bringing in I was told then I could make the payment just like that and I told the person I have other expensive and If they could just send me the application and instead I was sent to XXXX ( Ext XXXX ) supervisor who continue to tell me the same thing and argue with me. It was very shocking to hear how I was getting harass other the phone and think to myself that they base the decision on the conversation or they trying to not help and force the customer to pay there bill. And then I called back and XXXX answered and I told her I would like to speak to someone else and she passed the phone to XXXX ( Ext XXXX ) because I just want them to send me the application and instead I got harassed by another customer service rep and this time I answered his question and then I got lectured that I am not going to be able to offered this mortgage, started to tell me that this is a 23 years loan and etc and I was just listening shocked, and I asked him how did he come up with this conclusion and how is this going to help me being lectured with my mortgage payment. And Mr. XXXX said because you just told me you were going on XXXX because of health reasons. I told him how does being XXXX  making you XXXX  for the rest of your life or even saying I am going on XXXX because of health reasons make you disable for the rest of your life. Mr. XXXX said you didn't mention that you were XXXX and if you want us to work with you, you need to tell us everything. I felt harassed and didn't understand how this was helping me resolve my issue and Mr. XXXX assumed and he didn't ask more question because I good customer rep would of asked so how long does your XXXX going to last instead I was yelled at that why I didn't mention I was XXXX  and I was just shock on how the customer reps took an answered and just assumed without asking more details. In the end I was told by Mr. XXXX that I could pay my mortgage because I bring some income in. That was it, it was based on my answer that I bring some income in. I told Mr. XXXX that I have other things I need to pay or buy for instance food and gas to go to work and pay other bills. Horrible why of helping customers at this time of need ( coronavirus ). If I would of know that I was going to get harassed over asking for help at a time of need I wouldn't of called. Its not right the way I was treated
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest allowed for the opening of a car loan in XX/XX/XXXX while I was unfortunately physically unable to sign for a loan. Within 6 months of this account being opened, the account became delinquent and Bridgecrest charged it off. 

As of this complaint, Bridgecrest is reporting the account closed with the full balance and a closure date of XX/XX/XXXX. Despite multiple attempts to dispute this account, I have been unsuccessful. 

This account has an incorrect payment history, balance, and closure date. The company has agreed to settle the account, but will not forward the title in the settlement and will not correct the inaccurate information. As a military spouse, Im seriously disturbed by how horrifying this process has been and continues to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX Equifax Mortgage Service XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been a customer with XXXX since XXXX and this is my second car with them. I began to lease my XXXX XXXX XXXX sport in XX/XX/XXXX and throughout that time I did not have any issues with payments. At the end of XXXX I had lost my job and I had to relocate therefore the payments fell behind for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After that setback I was able to catch up on payments and regain a good payment history. I then moved to Ga and in XXXX when my lease was up on my XXXX XXXX rogue sport, I took it to XXXX XXXX XXXX XXXX XXXX to refinance my car to keep it. During that process I am not sure what happened but I then received a notification for another late payment for XX/XX/XXXX. I called XXXX XXXX acceptance and they stated that this was an error and that I should reach out to XXXX XXXX to have them send a letter to them stating the mistake. I called XXXX XXXX as I was told and then proceeded to follow up with XXXX XXXX. Per XXXX XXXX, the rep stated that It would take at least XXXX days to update but there has been absolutely no change. I have called and written letters to XXXX XXXX for this issue on multiple occasions. My last attempt was a letter requesting adjustment for the late payments. I did not get a contact back and it is over the XXXX day period.
Product: Student loan

I am currently on the SAVE plan and was placed in forbearance due to ongoing litigation. I am not supposed to be accruing interest. They are charging me interest, however. I should have 0 % interest accrual on the SAVE plan.
Product: Checking or savings account

I was a victim of fraud and {$440.00} was charged fraudulently to my debit card account with Bank of America. 
XX/XX/XXXX - {$18.00} to XXXX XX/XX/XXXX - {$8.00} to XXXX XX/XX/XXXX - {$110.00} to XXXX XX/XX/XXXX - {$24.00} to XXXX XX/XX/XXXX - XXXX to XXXX XX/XX/XXXX - {$35.00} to XXXX XX/XX/XXXX, XXXX {$28.00} to XXXX XX/XX/XXXX - XXXX to XXXX I rarely use my debit card, I only use my credit card which is which I did not report the charges until XX/XX/XXXX when I saw that my account was almost overdrawn and became aware of these fraudulent charges on my account I called bank of America to report the fraud and opened the claim on XX/XX/XXXX. The credited my account the {$440.00} and said they would investigate the claim. I have never used doordash which anyone with access to my account and investigating these charges could easily verify. On XX/XX/XXXX, Bank of America canceled the credit and took the {$440.00} credits to my account back and they stated that I authorized these charges which was not the case. They were NOT point of sale transactions where a physical card with a pin was used. I called BOA and was told to write a letter and fax it. I wrote a letter and faxed it from a BOA branch on XX/XX/XXXX. I called to follow up on XXXX which is when I was told no letter was received and to re-fax it which I did and I was told that a reconsideration claim would be opened and to call back in XXXX business days. I called on XX/XX/XXXX and was told nothing was done and to call back XX/XX/XXXX which I did again and I was told that nothing again was resolved and they were going to expedite the claim. This is outrageous. BOA clearly states : The {$0.00} Liability Guarantee covers fraudulent transactions made by others using your Bank of America consumer credit cards and consumer and small business debit and ATM cards. To be covered, report transactions made by others promptly, and don't share personal or account information with anyone. I did exactly what they said and they still denied my claim.
Product: Debt collection

A company calling themselves 'National Credit Adjusters ' has made seven calls ( and counting ) in one day to me, XX/XX/2016 all from my local area code of XXXX. This is spoofing, which I know is against the law and though they are not leaving a message only one number rang back to them which was listed as XXXX.
Product: Mortgage

I signed up for Nationwide Biweekly Administiration 's program. The program was to reduce my interest payments, and the length of my loan by withdrawing half of my mtg payment twice a month, effectively making one additional payment a year to be applied to extra principle. Implicit in this arrangement is that this program is to be in effect for the duration of this loan, as the purpose is to reduce the length of the loan. My service was suspended in XX/XX/XXXX and has not resumed, false promises were made that the program would resume in XX/XX/XXXX. It is now XX/XX/XXXX. They have ceased ALL communications and will not answer my e-mail. When I call on the phone, I get a CSR parroting lines from a script. They have collected the full fee for their services and have not delivered. They have flat out said they will not refund anyone part of the fee. Now I find this article that a complaint has been filed against these crooks. I would like to add my name to the list of people who are due compensation from this crooked company.
Product: Checking or savings account

Someone opened a fraudulent Chase account by using an IRS refund check made out to me. I don't bank with Chase. Chase recognized the issue and opened a claim # XXXX on XX/XX/year>. Chase has repeatedly told me that a refund check would be sent out to me. The amount of the IRS check was {$30000.00}. I'd like that check refunded immediately and any interest that Chase has made on those funds included. Thanks
Product: Debt collection

I received a letter ( XX/XX/2023 ) that my wages would be garnished. I never had a warning, court date, trial date, information about a debt at all. My XX/XX/2023 check was garnished by {$2100.00}. I called the XXXXXXXX XXXX XXXX and spoke with XXXX XXXX who said it was a Wells Fargo account for an outstanding judgement for {$5400.00}. 

I do not have a Wells Fargo account. This is Fraud. This company is in violation of the Fair Debt Collection Practices Act.
Product: Debt collection

Received several aggressive phone messages stating that I needed to phone them immediately to be served for a lawsuit. Left message to call XXXX file # XXXX. Spoke with a XXXX XXXX she informed me that she was calling on a very old debt from 2012 of {$1200.00}, said they were prelitigation and they were going to serve me papers on lawsuit and with fees and all it would be {$4000.00}. Said I could pay debt in full, pay {$500.00} or make 12 payments of XXXX a month. When I asked for her to send me paper work she said they would have to charge me {$5.00} fee and would need a credit card to have on file to let lawyers know I am serious. Wouldn't take less than {$500.00} to settle and refused to give me a company address so I could verify it was a legit company. She had very aggressive manor and said they would sue me. She gave me the following number to call her back XXXX ext XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For XXXX XXXX  and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX  regarding inaccuracies on my credit report related to an account ( [ Account Number : XXXX ] ). The account shows a XXXX late payment and a balance of {$650.00}, which I believe are inaccurate and unverifiable. 

Details of the Dispute : Late Payment : The account reflects a XXXX late payment, which is inconsistent with my payment records. 
Despite a dispute, XXXX XXXX  has failed to provide any documentation to validate this late payment. 
Balance Discrepancy : The balance reported does not align with my payment history or account terms.

Violation of Consumer Laws : Under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccuracies and request reinvestigation.

Under 15 U.S.C. 1666b, errors in billing and balance reporting must be investigated and resolved.
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 XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card

contacted wells fargo card services multiple times about a couple disputes, multiple times they began the process to resolve the issue, then transferred or hung up leaving the dispute unresolved.
Product: Debt collection

To Whom It May Concern : Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 


At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Theft Please review the security interest section of your contract ( The security interests secures all obligations which may become due under this contract. This means the alleged debt is paid and you are trying to collect a paid alleged debt from me, against the law. According to 15 USC 1692g, Validation of Debts.

Also, please review when NMAC shared alleged debt with debt agency they broke the law and infringement of consumer rights to privacy under 15 USC 1692b, they are able to sell the alleged debt but not information, view attachments.

In the example, you can clearly see the debt collected that NMAC gave the alleged debt collector and any information obtained will be used to do so. The consumer information violated under 15 USC 1692, when they sent me a letter with their logo and stated they were trying to collect an alleged debt. 15 USC 1692e ( 11 ).
Product: Credit card

ON XX/XX/24, a payment using XXXX XXXX XXXX  Account XXXX was sent online in the amount of {$1400.00}. XXXX reported posted on XX/XX/24. On XX/XX/24, a letter was sent through mobile application " document center '' ( not email or mail ) stating that the amount was " returned by your bank for Unable to locate external account. '' I called Barclay 's and asked them why this was returned, given this account has been used for other payments and is valid. The operator, with language difficulties, told me to " contact my bank. '' I asked them to verify my bank account matches what was put into their system and used in the past, and they refused. I manually provided the same bank account number back to them, and asked if they can address the $ XXXX {$49.00} unjust penalty that would be assessed from wrong number. They told me " the charge is valid and to contact my bank. '' When I asked to speak to a XXXX involving escalating complaints, I was put on mute and hung up on. 

I then contacted XXXX XXXX who reported on XX/XX/24 an attempted withdrawal was made from my account for {$1400.00} but missing one " zero '' in the bank account number. Barclay 's refuses to take any accountability for this clerical error on their end ; being that the same XXXX account has been used in a number of transactions with three other Barclay credit cards.
Product: Debt collection

I terminated an apartment lease earlier due to constantly being vandalized with our cars and someone attempting to enter my apartment. The initial amount of {$9800.00} being charged is wrong, I have been sent to collections, I have sent a certified letter and several emails to have them make corrections on the amount being charged, but can not get a response from XXXX apartments to correct it, they keep saying to contact the collection agency. I once contacted the agency however they can not correct the fees. There's now interest fees which is now {$10000.00}. I paid the amount of {$290.00} for utilities and we had a service dog which was {$50.00}. XXXX XXXX XXXXee, this charges should have been removed. 
The apartment unit was also re-rented about XXXX weeks later, it was not vacant for a long time. The amount they are charging me is wrong and needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I got laid off from my full time job at XXXX  XXXX  XXXX  with my XXXX child. My spouse was not a legal resident of the United States, therefore he had to stay in his Country while all the legal paperworks were being processed on his behalf. My mother was mighty ill at the time trying to fight the life stealer XXXX and I was her sole caregiver and refuge of strength while fighting this XXXX. I was able to complete my course towards my Bachelors in XX/XX/XXXX. I gave birth to my daughter in XX/XX/XXXX. Now, I have to be caring for my newborn and my mother while doing job interview etc to get back on feet, it was not an easy task but I tried my best. With all financial factors I was facing I reached out to Navient before my grace period end and they did not give me extra time or nothing to alleviate all that was happening to me. When it came to the time for me to repay the loan, my monthly payment was more than {$500.00}, I could not pay that. My mom passed away XX/XX/XXXX and I inform Navient and begged for some leniency and they made it clear that there was nothing that they could do. I was willing to give them copies of my Mom hospital bills and death certificate because I was that desperate and they just didnt care. I didnt have the money to pay so I end up being late on my payment. This is not something that I proud of, this is something that I had zero control of. So now I have one negative mark on 22 loans with Navient, which messed up my credit, because my report states that I have been late on a loan 22 times. If people at Navient had a heart, they could at least ask me to show proof of my situation, which I could. I sent a Good will letter to the CEO XXXX XXXX, informing him of my situation begging him to remove the negative items so I can get back on my feet as a single trying mother. He had a representative call saying, they cant help me. This organization, has zero remorse for people. We are people! Not a target or goal. My loans are now consolidated on always on time never missed a payment, but those negative marks still remains. Earlier this year, we had a Government shut down and I was affected as a XXXX  XXXX, I reached out to the CEO XXXX XXXX again, begging to remove the negative mark so that I could be approved for a loan, so as to help my family through that period and these cold hearted people called to say that they could not help me. Nothing has changed with Navient. XXXX XXXX email : XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/2020 I refinanced my auto loan that was with Capital One. Capital One began posting payments on XX/XX/2020 with numerous payments and reversals. The following is a list of all transactions made on the loan. According to the transaction made I should have received {$1200.00} from overpayment ( s ). I received a check for {$190.00}. I emailed Capital One asking for someone to review the loan. I received an email back saying to call. I did call repeatedly over the next four weeks each time it was an automated system asking me to hold and then disconnecting with no one answering the phone. In late XXXX I received a check for {$510.00}. I again tried to call Capital One and did not reach a human being. When you subtract all the payments made there was an overage of {$1200.00}. Subtracting the two checks I received ( {$510.00} + {$190.00} ) there is still an overage of {$490.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent Experian a letter requesting them to provide me with an originally signed consumer contract for XXXX inaccurate accounts which do not belong to me from ( 1 ) XXXX XXXX Account, ( 2 ) XXXX XXXX Account and ( 3 ) XXXX XXXX Account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Experian is required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts Experian posts on a credit report. On XX/XX/2018 Experian signed the return receipt. On XX/XX/2018 Experian sent me report # XXXX with dispute results which clearly shows they are continuing to report unverified accounts which is against federal law. They have failed to provide me with a signed consumer contract. 

I have attached a copy of the letter Experian received dated XX/XX/2018, the signed return receipt dated XX/XX/2018 and the updated Experian credit report # XXXX dated XX/XX/2018.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX XXXX XXXX XXXX accounts are inaccurately reporting multiple late payments, despite my timely payments during the disputed periods. These errors are negatively impacting my credit score and violate my rights under the Fair Credit Reporting Act. I am requesting an investigation and correction to ensure my credit report reflects accurate information.