23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have an account with XXXXXXXX XXXX via XXXX. They contacted me when I opened the account in XX/XX/2021, and I charged around {$1200.00}. I laid out a plan to pay around $ XXXX {$300.00} a month until my last payment in XXXX so I wouldn't incur any additional fees or interest as this card was a no-interest credit card. 

I paid all payments, and they now claim I owe over {$300.00} in fees and charges for some reason. I had returned the yellow bench and two of the chairs had to be replaced because they arrived broken. They credited me back for the yellow bench but I am hereby disputing the amount they have on my account and I have requested statements and a payment history so I can assess what fees and interest had been incurred and why it wasn't paid off at the end of XXXX. 

I believe they failed to remove the charge for the bench, and I believe they continued to incur fees despite having told me on this call that they would remove the cost for the bench since it broke and they failed to send a repaired one. I ask they please show me all of the fees, costs, payment history, credits, account call notes, and explain the remaining balance. I asked this over the phone already but they failed to mail me any statements that I could review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Equifax not only did not notify me in any way of this security breach, but the information was n't even released to the public for several months after the breach. I became aware of this incident through social media ; a letter or email was never sent, or a phone call. Once I became aware of the security breach, I was left to research and handle the issue myself.
Equifax is currently offering a limited credit monitoring service, which is unlikely to actually resolve any of the potential issues, as my information can still be used to open new accounts and I would be left with handling those potential issues. In addition, agreeing to their credit monitoring service comes with the stipulation that my rights in this situation would be completely waived, I would not be allowed to sue Equifax for this incident.
Furthermore, I had to spend my own money to freeze my credit in response to this recent breach of security, and Equifax has done nothing to remedy this situation.
Product: Bank account or service

I opened a checking account in Bank of America about one month ago. Before that, I did n't have any business relationship with BOA. 

After getting my debit card, I tried to activate it. But when I made the phone call, the custom service told me that my account is permanent closed by BOA. And I can not have any account for lift time with Bank of America. When I asked the reason, BOA risk department just told me again and again : " It is a business decision ''. 

I do n't understand why BOA first approved my account application and closed it immediately. I did n't do anything harm on BOA. And considering I never owned a BOA account, debit card or a credit card, I really can not understand why BOA did it.
Product: Debt collection

I received a bill in the mail from American Medical Collection Agency stating that I had an unpaid bill from XXXX XXXX XXXX. They said the bill was from XXXX/XXXX/XXXX. Today is XXXX/XXXX/XXXX and I have never received an initial bill from XXXX. This company, that goes by the name AMCA, is threatening to take further action which will hurt my credit score. The letter they sent says that the amount they are trying to collect was n't included in my initial invoice. I should n't have a final notice from a 3rd party collector if I 've never received an initial invoice from XXXX. This seems to be a fraudulent company.
Product: Vehicle loan or lease

On XX/XX/2022 I sent certified letters via USPS to Chase Auto Finance CEO XXXX XXXX & there Correspondence department requesting validation of alleged debt pursuant to 15 U.S. Code 1692g ( a ) ( 1 ) and how the alleged debt was calculated.

In said letter I also requested verification of claim against me, ( a signed invoice ), a copy of the Contract binding both parties ( me & chase auto finance with wet signatures from both parties ), via certified mail, an Affidavit of Truth, and a {$8000.00} invoice stating 8 Federally Protected Consumer Rights Violations under 15 USC 1692 from a previous correspondence Chase has mailed me via USPS. I also informed Chase Auto that they were not the creditor in pursuant to 15 USC 1692g ( a ) ( 2 ) and that impersonating a creditor is a FEDERAL Crime. I requested that they remove said account from my consumer credit report if they could not provide with the above mentioned. 

As of Thursday, XX/XX/2022 Chase has yet to provide with my a remedy nor have they provided proper documentation for the validity of alleged debt.
Product: Mortgage

Geeze, Seterus is really getting a jump on the complaints!!! Now I received notification they placed insurance on the home for 90 days for the sum of {$1500.00} which is insane on so many levels. First, they state their 'records show that your hazard insurance has expired ' which plain and simple, their records are wrong and they should have received insurance information from XXXX XXXX XXXX who received insurance information both in XXXX and around a month ago and both are well documented with the cfpb. Second, insurance for the home costs around {$1500.00} for the year, not 90 days so what kind of robbery is this!?!?! 3 ) Seterus as per a previous complaint still needs to back up and back off and for many reasons also noted in previous complaints. 4 ) As detailed with XXXX XXXX XXXX, Seterus needs to provide proper legal documentation as to why and how in the eyes of the law that I bound to their terms since the only legal document I have signed related to this loan was with XXXX XXXX. 

At this point I definitely consider that seterus has crossed the line with their threats and intimidation and when I speak to an attorney regarding XXXX XXXX XXXX, I will also discuss a lawsuit against Seterus as well because this simply is not the way things should be done.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention, for the third time, an ongoing issue regarding several settled accounts that continue to be inaccurately reported on my credit report. Despite my previous two disputes and submissions of all necessary documentation, these accounts have yet to be properly updated or removed. The continued presence of these accounts is in clear violation of Section 611 of the Fair Credit Reporting Act ( FCRA ). Under Section 611, credit bureaus are legally required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. This includes contacting the creditor, reviewing relevant documents, and ensuring the disputed information can be properly verified. If the bureau can not verify the accuracy of the disputed information, it must be promptly removed from the credit report. 

I am now questioning the thoroughness of the investigation and verification process conducted by your bureau. Given that this is the third time I am disputing the same settled accounts, it is clear that the verification process has either not been conducted properly, or the necessary corrective actions have not been taken. The Fair Credit Reporting Act mandates that credit reporting agencies adhere to strict verification standards to protect consumers from inaccurate or outdated information being reflected on their credit reports. 

I am therefore requesting the following : -A thorough reinvestigation of these settled accounts. 
-An explanation of the specific verification steps that have been taken during your previous investigations, including details of communications with the creditors. 
-The removal or accurate updating of these accounts in accordance with the information provided. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I closed an account with XXXX. I debt of {$48.00} is owed to XXXX for two days of service. My account # is XXXX. ERC called me and tried to claim I owed them a total of {$250.00}. They sent me fake bills today with the wrong account number # XXXX XXXX as well with the inflated debt claiming XXXX sent me to their collections service. The problem with this is XXXX, the original creditor, sent me a bill today requesting the same {$48.00} they have requested for over a year. ERC sent false paperwork and added false information to my credit reports. They need to remove themselves and all negative information from my credit reports and they need to cease all communication with me in regards to this fake debt.
Product: Credit reporting or other personal consumer reports

TransUnion is refusing to remove an outdated and inaccurate public record from my credit report. They originally reported a lawsuit as a public record ; However, the lawsuit was dismissed without prejudice, meaning there was never a final judgment against me. 

Despite providing official court documents proving the dismissal, TransUnion has failed to update my credit file and continues to report the lawsuit as an active public record, which is inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy of reported information. Since this lawsuit has been dismissed and is no longer valid, it should not be reported on my credit file. 

TransUnions refusal to correct this misinformation is harming my credit and violating FCRA regulations. I am requesting the immediate removal of this dismissed lawsuit from my credit report. If this is not corrected, I will escalate this matter further.
Product: Debt collection

XXXX hired a company to collect a debt that is 7 years old XXXX XXXX 2019 the company lied to XXXX in reporting that I made a payment on the account which I did not for it is due to drop off in XXXX 2018. please make them verify that payment or take off of my credit as soon as possible please. Due to unforeseen circumstances after I signed agreement with XXXX I lost my job and home burnt down. No payments were ever paid and they never reached out to me until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Experian and XXXX  is reporting false information on my Credit report. 
I had paid an account with XXXX and they sent a letter to Experian and XXXX  saying the account needs to be deleted off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
CURRENT ADDRESS 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 reporting, credit repair services, or other personal consumer reports

This company is getting away with WILLFUL NONCOMPLIANCE OF Federal laws and CFPB is supposed to regulate these crimes so I will report these violations every day that they occur just as this Credit Reporting Agency is continuously breaking the law. This is the way I am reporting them.

15 USC 1611 Whoever willfully and knowingly give false or inaccurate information or fails to provide information. Each violation is {$5000.00} or imprisioned not more than one year. 

I called Transunion on yesterday and spoke with XXXX in the Fraud Department and she told me on HER recorded line that they did not have to follow the FCRA law. Although I told her that no company policy is above FEDERAL LAW she still stated it again. 

15 USC 1681b states that any person furnishing a consumer report must have written instruction from the consumer in which it relates. Meaning they should not be reporting any of the items attached to my previous complaints with out my consent which they DO NOT HAVE.

How are they just openly able to violate the law? 15 USC 1681C-2 states, " not later than 4 days after the date of receipt by such agency '' Ive sent in all of the documents that are required under federal law to get these items blocked and the company keeps responding with a 30 day wait period. This is extortion of my credit! I as a consumer have rights that are protected by congress. They were written because companies like you have a history of taking advantage of consumers. I am willing to get a consumer lawyer and come after the company for damages as well as all the fines attached to each month and day I was violated. 

Its easier for the company to simply comply with the laws.
Product: Credit reporting or other personal consumer reports

I disputed the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX with XXXX and XXXX XXXX XXXX, I received the certified mail stating they received my information and when I call they state they have not received it. I have requested validation of debt and have been denied these papers with anything showing that I signed for any loans with this company. I have attracted the letters I send to XXXX, XXXX AND EQUIFAX and XXXX XXXX XXXX
Product: Mortgage

Predatory Lending : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX from XXXXXXXX In XXXX XXXX, my husband and I made a contract with XXXX XXXX XXXX XXXX, when we still live in our current property at the time. The agreement took a turn for the builder and the lender agent requested to open an initial Line of Credit of {$90000.00} ( National City Mortgage ) to secure the purchase and building of our future property. We did so, however this LOC put a lien in the property we were about to sell in XXXX. I am an American Citizen by Naturalization and my XXXX at the time was n't good enough, which was a struggle for me. My husband, a XXXX XXXX XXXX, XXXX for a government agency, and an XXXX man, XXXX XXXX XXXX XXXX, seemed not to understand very well about financial facts. I only signed papers and saw the main picture of everything. We sold our property in XXXX XXXX, for {$480000.00} letting a XXXX for mortgage payoff, the {$90000.00} lien with National City Mortgage, and the commission of the real estate firm XXXX XXXX from XXXX XXXX whom sold the property. In the other hand, the gain from {$480000.00}. The base price of the house was {$500000.00} and we did have some upgrades for hardwood floor since I have XXXX children. It seemed like the amount was going to pay off some of the base amount and reduce the loan in a good way. But not well calculated, and without noticing how inflated the fees were FOR EVERYTHING!!!! XXXX XXXX XXXX land in XXXX County XXXX costed XXXX but it was inflated to XXXX as the initial contract said. All the fees described in the Settlement Statement / XXXX form XXXX with XXXX XXXX and XXXX XXXX from XXXX, XXXX. The fees charged in this document are excessively large from commissions to added NON-SENSE FEES! In top of that, the initial LOC /National City Mortgage decided to merge the LOC with the new price of purchase of {$500000.00} AS A REFINANCING! I am disgusted just to comment this and finally complaint. THE TERMS OF THE LOAN WERE UNFAIR AND ABUSIVE, HIGH INTEREST, XXXX ARMS AND OUR INITIAL LOAN # XXXX, WHICH WAS UNDER XXXX XXXX AND XXXX WAS REMOVED. PLUS, WE NEVER SAW THE PART IN WHICH WE PAID THEM FROM THE SELL OF OUR PROPERTY. WHAT HAPPENED???? THE MONEY WE BROUGHT AFTER SELLING, WE DID N'T GET TO SEE IT. MORE THAN SAD, A NIGHTMARE WE SHOULD HAD NEVER GET INVOLVED IN. WHAT I THINK OF LENDING INSTITUTIONS, REAL ESTATE FIRMS AND TITLE FIRMS? THEY ALL TIED TOGETHER TO HARM CONSUMERS WITH THEIR UNETHICAL BUSINESS PRACTICES. WE TRIED A LOAN MODIFICATION IN XXXX WITH NATIONAL CITY BUT IT FAILED BECAUSE THEY WERE NOT ABOUT HELPING CONSUMERS. WE HAD A CLAUSE IN THE NOTE WITH THE XXXX XXXX. WE TOOK IT AND PAID ONLY INTEREST UNTIL TODAY {$1400.00} WHICH WAS INCREASE EVERY NOW AND THEN.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I was sent {$600.00} on Venmo. The person sent me the money right in front of my eyes. We were standing right next to each other and he verbally agreed to send me the money. Later, he filed a dispute with Venmo claiming it was not an authorized transaction. Venmo gave him the money back with no evidence or proof whatsoever. They did not give me a chance to respond to the dispute and now they expect me to pay them. So essentially any user of Venmo could lie and say they want their money back, and Venmo will steal it from the account of their users. This company is unsafe and should not be allowed to operate if they take money out of people 's accounts with no evidence to do so. It is not safe for consumers.
Product: Mortgage

Hello there, I am trying to work with Quicken Loans, its 3 days before closing, and Quicken has informed me I must come up with an additional 5 % down to get this loan. They have stated that the HOA on the condo is short .03 % in reserves and therefore I must come up with another {$12000.00} in 3 days to close the loan. I have had ALL my documents in ON TIME and signed mortgage disclosure, locked in the rate, and all other requirements to satisfy the loan. They DID NOT do the proper due diligence on their side in a timely matter to close this on time ( XX/XX/2019 ), the whole while saying I could sign on XX/XX/2019 and close on XX/XX/2019. They came up with several last minute problems to cover their lack of timely due diligence. Also, my current home has a loan with Quicken Loans and has a tenant moving in 5 days. Therefore, I will have to stay in a hotel and move my personal belongings into a storage unit. 

1. They sent an appraiser out to my current address, on Sunday morning prior to close, and never communicated this to me and he could not get access to the property through the guard gate. He never left a card and I could not contact anyone at Quicken loans to clarify this matter or even call him back. 

2. They came up with the HOA shortage 3 days before close even though they had contacted the HOA several weeks beforehand. 

All in all its costing me twice as much in down payment and closing costs to get this done and 24 before I was supposed to sign documents and 72 before close of escrow. 
That said this is a major financial, emotional and physical constraint for me at this time while undergoing XXXX.
Product: Debt collection

This agency/law firm/debt collector sent collection letters for an extended amount of time to the WRONG ATTORNEY IN WISCONSIN XXXX, WI. Per the XXXX XXXX XXXX XXXX XXXX, this complaint closed and the attorney was found to have made the error unintentionally. As of XX/XX/XXXX, a judgement for {$3400.00} was filed and ordered. Currently, incorrect information is listed on this case. The Wisconsin Public Records states for this case has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI as a c/o recipient to receive mail effective XX/XX/XXXX. This information is false. XXXX XXXX was not retained as my attorney for this case on that date. Neither XXXX nor I were aware of any attempt of debt collection prior to XX/XX/XXXX. Dobberstein Law Firm, Attorney XXXX XXXX, admitted to mailing any and all collection documents to the wrong attorney. I, XXXX XXXX, was unaware of attempts for contact or collection in XX/XX/XXXX until I received solicitation letter mail from Bankruptcy Attorneys notifying me that I was being sued. Not only did this law firm send all attempts to collect debt to the wrong attorney, the county court house included the wrong address to send correspondence to after the judgement was filed. I will not receive any documents regarding a pending garnishment, nor will my attorney, since the debt collection law firm made valuable mistakes with legal documents. I was not notified in the proper amount of time to work out a repayment plan before a court date was scheduled. After the court date was ruled in favor of a garnishment, the debt collection law firm continued making mistakes when submitting information to the county clerk. As of XX/XX/XXXX, the name of the representating attorney is correct, but the wrong mailing address. This law firm should be held liable for malpractice.
Product: Credit card or prepaid card

Approximately XXXX  years ago, someone fraudulently opened a store specific credit card in my name. Comenity Capital Bank, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, serviced that credit card. When I received a statement of amounts due for that card, I called Comenity to report the fraud. Comenity told me that I had to send them a substantial amount of documentation to prove the fraud. I refused and advised them that any extension of credit on that card was at their peril and risk. To further protect myself, I placed a freeze on my credit information with XXXX. 
Today, XXXX XXXX, I received a letter from Comenity stating that they could not continue to process a new application for a My Place Rewards Credit Card until I lifted the freeze on my credit info with XXXX. Needless to say, this application was fraudulently submitted in my name. 
The whole reason I placed a freeze on my credit info in the first place was Comenity. I called Comenity today to advise them of the fraud. I told the initial contact that I wanted to report the fraud and was placed on hold for more than XXXX minutes before I disconnected the call. 
I believe the foregoing is a violation of the XXXX XXXX XXXX XXXX. The underwriting, or lack thereof, with regard to the second fraudulent application, constitutes gross negligence and a wanton inconvenience for a consumer such as myself. 
I seek any and all relief that the facts warrant, including but not limited to a letter of apology from the President of Comenity Capital Bank. They knew or should have known of the second fraud before they inconvenienced me with a letter which required my response. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has refused to process my disputes for over 6 months now, I've sent a dispute every month. Last month, I changed the address to a new one listed on their website and it was returned undeliverable. It was been more than 30 days, I expect them to delete all the inaccuracies from my credit report. How does the credit bureau publish a dispute form and address on their website that is completely false? This should be absolutely illegal! 

Transunion : XXXX. XXXX XXXX, XXXX, CA, XXXX Attachment : Dispute form from Transunion 's website with this address on it!
Product: Vehicle loan or lease

This is the second time credit acceptance reprocessed even though there was a payment arrangement that we met every time. How is this even possible in America for this company to get away with constantly demanding money after we have paid for the vehicle 3 times over. Especially since credit acceptance knew we could not afford the vehicle for the terms and took advantage of us. They continued to report us late each month even though we had payment arrangements. Our last payment was in XXXX and before we could make a payment for XXXX not even a whole month passed before processing of our last payment and Credit Acceptance reprocessed our vehicle. How are they getting away with doing stuff like this to American people? This is complete fraud.