23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX XXXX XXXX Called to check the status of the short sale application. XXXX XXXX answered. The file has been closed as of this morning. I told them it's not okay to leave me a voicemail yesterday and when I call back tell me it's closed. He said they call me on XX/XX/XXXX, which is Saturday and yesterday, which I am returning. It's completely not okay to close it out in less than 24 hours from leaving me a message and a week from me speaking with me, when they were the ones who did not review my documents since XX/XX/XXXX. I requested a supervisor and was transferred to XXXX. I told him I have called XXXX, XXXX, XXXX, and today. They did not review the items I sent on XX/XX/XXXX and resent on XX/XX/XXXX. I also sent XXXX and pension letters on XXXX. He said I am not being given the correct information when I call, since they are still asking for updated pension and SSDI. I sent these on XXXX. He also wants the XXXX, since the one we sent is dated XXXX. That is not the case, it's dated XXXX. He said the XXXX is wrong, this one is XXXX, not FHA. He said resend correct FHA XXXX, pension, XXXX, XXXX, and entire application. This is insane, since we have re-submitted already and have been updating in a timely manner. 

XX/XX/XXXX XXXX XXXX Called to check the status of the short sale application. XXXX XXXX Answered. They still have not reviewed the documents as they are still requesting the same ones sent on XXXX. I asked him to escalate it and he said he would. I re-sent via email and fax. 

XX/XX/XXXX XXXX XXXX : Called to check the status of the short sale application. They are just now reviewing the docs I sent on XX/XX/XXXX. They said it was uploaded on Sat., and it can take 48 hours to review. I requested a supervisor since the application should be complete and they have had over 48 hours to review. XXXX XXXX is the supervisor and she said they had 48 hours to upload it and 5 b/d to review. She said if it's not reviewed by tomorrow, I can call back and have it escalated. If she does it now, they will reject it saying they are within their timeline. 

XX/XX/XXXX XXXX XXXX : Called to check the status of the short sale application. An automated machine said we are closed for the holiday?!? What holiday? XX/XX/XXXX is XXXX 's Day. 

XX/XX/XXXX XXXX XXXX : Called to check the status of the short sale application. I entered XXXX 's extension and it said thank you for calling, goodbye and hung-up. XXXX XXXX answered and said they are missing the XXXX, which I confirmed I sent on XX/XX/XXXX, she found it and it's not the right one. M & T XXXXorrower 's financial report, which is labeled the XXXX, but also sent in., and the 30 days of paystubs. Transferred to XXXX, the supervisor who said sometimes the faxes fail and emails are too big and to resend them. I requested 2 more paystubs to go with it.
Product: Debt collection

We got a letter in the mail from this company called AllianceOne Receivables Management , Inc.. Their address is XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX. The letter states that my grandma, XXXX XXXX has violitions with the port authority of my & nj dating back to XX/XX/XXXX. Since she never paid the " violitions '' they sent it to AllianceOne to collect the debt. my grandma paid this debt that same day we received the letter, XX/XX/XXXX in full in the amount of {$290.00}. The reference number is XXXX and the contact number is XXXX. I called ezpass after she paid and logged onto the ezpass account website to look for these violations, but they were not there and the representative said that there were no such violations ever that AllianceOne reported. We would like our refund back from AllianceOne and to report them for fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. 
XXXX XXXX XXXX  XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XXXX of XXXX I asked for my installment loan from M & T to be deferred by 2 months which was for XXXX XXXX and XXXX XXXX. I was approved for the extension and my next intstallment payment was pushed to XXXX XXXX. After I got approved I did n't follow up til XXXX when I realized the payment for XXXX was late, so I decided to call them and the rep stated that I was suppose to sign a document to confirm the extension which I were never informed about. That 's when I learned that the payment was late and passed 30 days. I called to complain and they stated that it was my mistake but the extension still was processed and my late fees were waived. I tried to get the late payment removed but they denied it twice, but I have proof of the payment extension agreement and still I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Notice some Fraudulent inquires on my credit report that I did not Authorize please remove it immediately
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account Name : XXXXXXXX XXXX : Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 : I have been a frequent victim of identity theft so I put a temp freeze on my credit report when its not being used. Im trying to apply for a loan for a new AC   system. The company uses Experian for their credit checks. 

I went to Experians website to remove the freeze. I dont remember my PIN ( its an odd length and I dont do this often ). So, I answered the out of wallet questions to help verify my identity. While I answered them correctly, apparently its different then whats in my file with Experian. The only option they are giving me to remove my freeze is mail. I tried to call, but their IVR prevents you from speaking to a person. You get stuck in a loop where their automated system tries to help you, but it fails. I tried calling their corporate office, but could not get ahold of anyone either. 

This process is completely unfair. I can not see why mailing a price of paper is anymore secure than anything electronic or via phone. Someone could very easily mail in this form and they would have no idea. 

I also feel this takes advantage of the slow response via mail, especially during COVID where everything is taking longer to ship.

I simply can not wait to mail information back and forth to remove this freeze from my credit. There is mold in my AC unit its unhealthy for my family to continue to breath this in. Im going to end up having to wait if I have to mail this back and forth.

Its the 21st century. If they gave a 2nd chance on these out of wallet questions, perhaps I could have answered other information that would have helped them verify my identity.

Im sorry Im so frustrated. I hope you can help prevent other people from having to go through this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XX/XX/year> : - XXXX XXXX is charging me {$430.00} for an account that I didn't open and authorize. 
- XXXX XXXX account open that I didn't authorize for {$1300.00}. I contacted XXXX about closing the account due to fraud and I didn't open an account for home or mobile. They informed me that in order to close I will have to pay the past due balance or it will be sent to collections. 
- XXXX XXXX charging me {$510.00} and I am unaware of and I didn't authorize any charges or opening of this account. 

XX/XX/year> : Debt collector XXXX XXXX XXXX has reported I owe {$8900.00} when my rent was paid by our florida and my county rental assistance program for my entire lease during covid-19 to the previous management. The previous management did not report that my balance was {$0.00} to new management and the new management is attempting to collect something I do not owe. This have been reported to my credit report and I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX I have disputed the educational loan XXXX/XXXX   XXXX with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute some of the negative items that are being reported on my credit report by your company. I have recently obtained a copy of my credit report and noticed that there are some inaccuracies and discrepancies that need to be addressed. 

Firstly, I would like to address the charge-off account reported by XXXX, account number XXXX. I have never had an account with XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Secondly, I would like to dispute the charge-off accounts reported by XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. I have never had an account with XXXX XXXX XXXX and I believe these accounts have been mistakenly added to my credit report. I request that you investigate and remove these accounts from my credit report immediately. 

Thirdly, I would like to dispute the charge-off account reported by XXXX, account number XXXX. I have never had an account with XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Fourthly, I would like to dispute the collection account reported by XXXX XXXX XXXX XXXX, account number XXXX. I have never had any dealings with XXXX XXXX XXXX XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Lastly, I would like to dispute the charge-off account reported by XXXX, account number XXXX. While I did have an account with XXXX in the past, I believe that this account was settled and paid off in full. I request that you investigate and update the status of this account accordingly. 

I request that you investigate these disputes and make the necessary corrections to my credit report as soon as possible. Please send me a written confirmation of the outcome of your investigation and the actions you have taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

My car was totaled by XXXX XXXX of Michigan on or around XXXX. XXXX  adjuster XXXX XXXX  contacted Wells Fargo ( dealer services ) on XXXX around XXXX was given a payoff quote of {$6600.00} and this was valid for 10 days. I received a monthly statement from Wells Fargo dated XXXX with a pay off quote of {$6500.00} valid XXXX ( printed on the bill attached ). The agent was given a inaccurate quote for more than the balance due this is fraud. When logging into my Wells Fargo account after the agent was quoted the balance due with Late fees added was {$6200.00} ( document attached ). The company was contacted multiple times with no return answers. The payment history detail sent to me ( attached ) stated {$6200.00} " Pay-off with over payment '' nothing has been returned to me the company received a check from XXXX XXXX for {$6600.00}. This company is fraudulent there are so many violations and I need help i have all of the supporting documents need to pursue this issues. I have other issues that will be made in a separate complain for credit reporting.
Product: Vehicle loan or lease

On XX/XX/2021, I submitted an auto payment to USAA one day before the scheduled due date where I have an automatic payment plan. I received a pop-up that read " You are currently on an Automatic Payment Plan. By continuing, your next draft will be reduced by the amount of this payment. '' On XX/XX/2021, USAA took another {$900.00} from my account, which immediately placed me in a situation where I wouldn't have enough in checking to cover my weekly obligations. I called USAA on XX/XX/2021 to resolve this issue only to be passed around to different offices. I finally reached the loan department where the operator informed me that USAA starts processing these debits up to 4 days in advance so payments made within that window will be treated as an extra principal payment. I find this highly deceiving as the pop-up that I received did not mention this. Had they, I wouldn't have made this payment. If the USAA web administrator would simply add this note to the already existing warning, I'm sure that it would serve their customer base well and not put them in situations where they couldn't pay their bills. USAA further tells me that there is no way to return the money despite my checking account being USAA with the payment still in " pending '' status. When I told the loan department that I wasnt satisfied with the resolution, I informed her that I would like to dispute the charge. She told me that she would have to transfer me back to the banking department. After transfer, I waited on hold for over 40 minutes before finally hanging up. I later reviewed the Consumer Loan Note Disclosure and Security Agreement and Authorization Agreement for Preauthorized Loan Payments signed on XX/XX/2021 and there is nothing that warns the consumer that payments made within the 4-day window of automatic payment will be ignored. I have been a USAA customer for almost 20 years and have many vested interests through them, I thought that they would be willing to help a lifetime customer.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice fraudulent activity XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every single credit bureau is reporting inaccurate accounts on my credit reports and they are in violation of the fdcpa and fcra. This is misleading false reporting at its best. remove all inaccurate accounts from my consumer report asap or I will be seeking litigation. I am attaching all inaccurate accounts to this complaint.
Product: Mortgage

Please provide a complete breakout of what consists the past due amount of XXXX on my account. The breakdown should be included on the statements that are sent out to the individual that has the loan.
Product: Checking or savings account

XXXX XXXX XXXX XXXX, TD Bank NA allowed 127 fraudulent charges totaling {$5300.00} and after disputing these charges twice via their XXXX number and also via branch visit, TD Bank states after their investigation fraud did not occur as chip card was detected! XX/XX/XXXX TD Bank contacted via text asking if I authorized {$1000.00} charge to XXXX which I did not. They told me freezing my account and would need to go to branch and get new debit/ATM card. On XX/XX/XXXX when I looked at my account via mobile, my account shown negative balance and broke into tears after seeing 127 Fraudulent charges that all were processed within seconds/minutes/hours of each other and all from state of Florida and meanwhile I was using MY card on legitimate charges here in MA. I hereby state that I did not authorize any of these charges nor authorized the use of my card to anyone ever. 127 changes break down as follows : XXXX allowed ( 92 ) charges totaling {$4000.00} ; XXXX allowed ( 27 ) charges for {$1100.00} ; ( 1 ) XXXX XXXX XXXX {$27.00} ; ( 1 ) XXXX XXXX - {$11.00} ; ( 1 ) XXXX  XXXX - {$11.00} ; ( 1 ) XXXX  - {$6.00} ; ( 1 ) XXXX XXXX - {$47.00} ; ( 2 ) XXXX  charges totaling {$14.00} and ( 1 ) XXXX  {$21.00} : Total of 127 FRAUDULENT charges totaling {$5300.00} all from FLORIDA! TD Bank also processed insufficient fund charges and I have returned check fee from my mortgage company as they returned payment - the stolen money is for back pay of mortgage and I need this money credited back to my account before they start any legal proceedings. I need help please. Can not reach a live person at TD Bank Dispute and Claims department and only can dispute via phone or branch then wait for a letter in mail with decision which I have been denied twice. TD Bank employees in branch and on phone state that fraud is apparent due to time stamps, amount of charges made, card charges being made in Florida and MA at same time but keep being denied MY money - please HELP this has been going on for exactly one month today. 

Sincerely
Product: Credit reporting or other personal consumer reports

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX account name XXXX XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 at XXXX I submitted an online application for a car loan through a dealership name XXXX XXXX in New Jersey . I woke up XXXX to email stating a mortgage lender checked my credit.
Product: Credit reporting or other personal consumer reports

Transunion had updated my account to make it look like it was updated and correct to match the other bureaus credit files. This is against the law and I dont ant these accounts removed right away .i will get my attorney and take legal action I am also a victim on the dark web these are not my accounts I have no knowledge. This account is involved in litigation and I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Credit card

I have been charged interest 3 times on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There is a 12 month interest free promotion for purchase over XXXX $ made at XXXX XXXX XXXX  The fraudulent activity nos from the company that issues the card that company is comenity also known as bread financial https : //d.comenity.netXXXX  They would not assist me without going to XXXX XXXX XXXX and having one of their employees call comenity, they were on the phone with them for over 2 hours while I was there..this was in XXXX XXXX XXXX I believe, I heard the employee from comenity confirm with XXXX XXXX that the interest would stop being applied namd they would credit me for the 2 interest payments they have already taken..well they took interest again,, I called on XX/XX/ amd tyey said it would be escalated to a review,, amd thats ridiculous, intold them they are scamming people I would love for someone to look into this and assist people being taken advantage of..the employees at the XXXX XXXX XXXX in XXXX XXXX XXXX are aware of this problem and have to assist other customers as well ... they even told comenity they were being dishonest with customers please help!! 
XXXX
Product: Debt collection

They call me first XX/XX/XXXX and XXXX XXXX leave me a voicemail threatening me that they going to put me to jail. I call them back and asked what it is about. XXXX XXXX told me that I owe {$700.00} which is as far as I know only {$480.00} harassed me that if I don't give them at least {$50.00} that day. She threatened me that she will put me to jail. Without doing any research or contacting my lawyer I give them my card number, they took out {$50.00} that day. I don't want be in jail especially I'm willing to pay my debt. So, I contact my lawyer and we do a research. My lawyer found out that the phone number is a scammed and warned me to stop the payment. Since XX/XX/XXXX they calling my phone non stopped and leave me a Threatening voicemail using a restricted number. they also used a robot to leave me a threatening voicemail. This company had to stop. I wouldn't mind paying my debt but I will only going to pay it on a legit company.