23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

a few weeks ago, I submitted the same complaint about Chase Banks delay tactics of deducting from out account the next day ( in the morning ), when, in fact, they place the deduction the day before so that they can collect XXXX of dollars a day for the NSF. They told CFPB and wrote me a letter, saying that they have changed their tactics on this NSF situation. However, they did the same thing again to me on XXXX/XXXX/15 ( or XXXX/XXXX/15 )! I always check my account around XXXX every night before I go to sleep and when I went to sleep on XXXX/XXXX/15 ( XXXX XXXX I had a positive balance! I felt that they had " fixed '' their collection method, so I felt that I would run down to Chase the next morning and deposit enough monies to cover my checks. However, when I check before the bank opened ( at about XXXX XXXX ) I found that they had delayed the deduction of my checks from my account until the morning of XXXX/XXXX/15 and deducted XXXX NSF fees. I ran down to my Chase ATM machine at XXXX and deposited the monies to cover the insufficient funds, but to no avail. 
This is a rip off from customers of over millions of dollars a day using this tactic. There probably should be a class action suit by customers of Chase who have unfairly been " ripped off '' by being charged NSF fees by Chase using this tactic.. They either had n't changed their method of collection OR they stalling to change, while they continue to collect the XXXX of dollars per day. 
They had written to me and CFPB saying that they had changed this tactic, but it looks as if they just lied, or they delayed the change until they continue to receive XXXX of dollars. 
My previous submission number : XXXX
Product: Mortgage

On XX/XX/XXXX I sold my home that was financed by Wells Fargo Home Mortgage. Starting late XXXX into XXXX, I received numerous calls inquiring about the XXXX and XXXX mortgage payments on the property that was sold. I contacted the closing attorney/title office and they provided me with the payoff quote they received from Wells Fargo Home Mortgage in XX/XX/XXXX that was good through XX/XX/XXXX and a copy of the payoff Information ( Wells Fargo acct no, XXXX #, loan acct #, etc ) that was wired to Wells Fargo on XX/XX/XXXX. On XX/XX/XXXX after receiving another call requesting payment for XXXX & XXXX payment, I requested to speak to the payoff dept. The payoff department reiterated they had not received payment and would open a work order to investigate. I provided the closing attorney information and case no XXXX was created. I was told the investigation would be complete by XX/XX/XXXX. On XX/XX/XXXX a late payment of {$710.00} was added to my credit report by Wells Fargo Home Mortgage. On XX/XX/XXXX I received a call asking about the XXXX and XXXX payments and I asked what was the status of case # XXXX that was opened on XX/XX/XXXX. I was transferred 3 times until landing with a rep by the name of XXXX who I quickly informed that I was irritated and needed answers. I spent 1 hour and 4 mins on the phone before obtaining that Wells Fargo received payment on XX/XX/XXXX however the payment was short {$400.00} due to a tax payment disbursement on XX/XX/XXXX. I was told they would be contacting the closing attorney regarding the shortage. I asked when I would receive a follow up call and I was told they did not know. I asked to be warmly transferred to the Payoff Dept so I didnt have to repeat myself. However, when XXXX placed me on hold and came back, she stated that group only took payments. In other words, the payoff department did not want to speak with me, the customer. I want the following questions answered by Wells Fargo : 1- Why did it take a XXXX 3 weeks to post? 
2- Why am I getting calls to pay the XXXX and XXXX mortgage payment if the payoff amount was only short {$400.00}? 
3- Why didnt the payoff quote provided by Wells Fargo in XXXX take into consideration the tax payment? They have been getting a tax bill for 18 years. 
4- Why havent they contacted me or the closing attorney about the tax shortage? 
5- Why was a late payment added to my credit report in the amount of {$710.00} on XX/XX/XXXX if the payoff amount was only short {$400.00}? Do you know how difficult it is to have a good credit score to only be dropped significantly because someone failed to do their job?!!! 
6- Will Wells Fargo correct the error they placed on my credit report? And how long will it take my credit score to recover? 

This entire process has opened my eyes to process improvements so needed in the financial industry particularly Wells Fargo. As it appears they are always in the media for some type of banking irregularity. I appreciate a thorough review and reply. 

XXXX XXXX
Product: Vehicle loan or lease

I took a pay cut a few years ago I was forced to file for bankruptcy XX/XX/XXXX as of XX/XX/XXXX Santander consumer offered to defer my monthly payments on my vehicle for six months XX/XX/XXXX my bankruptcy finally cleared the same month that my last deferred loan payment on my vehicle was to go through and found out that because of the bankruptcy I was denied for deferred loan and required to pay the back fees from XX/XX/XXXX to XX/XX/XXXX. Even though I agreed to keep my vehicle after bankruptcy Santander consumer took me to court anyway. I talked to Santander consumer about the {$3000.00} of back fees in hopes to get the payments down and I was promised that every time I make payments I would be given 30 days in which was a lie and my vehicle was repossessed on XX/XX/XXXX after throwing numerous of payments to bring the balance down to {$1400.00} in the past few weeks they still took my vehicle and will no longer take payments and they now want {$2000.00} in order for me to get my vehicle back in which I do not have the funds to do so but right away. Especially being I work out of town
Product: Consumer Loan

This complaint is against Gateway One Lending and Finance. I paid my car loan in full on XX/XX/2017 with a cashiers check. Gateway advised that they would release the lien in three to five days if I paid with a cashiers check. I waited seven days and went to the tag agency only to find nothing had been done. I called gateway that day and was told that they received the payment and should have released the lien. They said they would do it that day and to go back to the tag agency in three days. I went to the tag agency and nothing had been done so I called again. Once again they said they would release the lien and I could get my title. Two days later I called the Florida DMV. The DMV sent me a document showing that the lien has still not been released. This callous disregard by Gateway has cost me three weeks delay in receiving payment for the car I sold since I ca n't deliver the title. 
I had to purchase the new car in cash since I could not trade in the car without the title. Every time I call Gateway I get the run around and false promises. This is an unfair business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent a certified letter to TransUnion asking them to inform me how they verified bankruptcies listed on my credit report. I informed them that one case thatfiled in 2018 was submitted fraudulently by an attorney I never intended to hire, I never signed documentation, I never submitted a payment. 

They responded with a letter stating the information was verified but still did not give explicit notes on who they got the information from. That person 's title and authority to comment on the case.
Product: Debt collection

ARS # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX placed a " Medical Collection '' for {$1800.00} on all three of my credit reports ( XXXX , XXXX XXXX XXXX ). I have no knowledge of any of this and attempted to have this removed from the credit agencies to no avail. I want to get this item removed.
Product: Student loan

My interest has sky rocketed, starting around 8 % now is at 10.65 %. When I would pay my payment online the automated system would say it did not go through. It would then go through partially. I would choose a specific loan of the XXXX to pay and it would disperse the payment however the program saw fit. Not allowing me to pay the largest amount to the loan with the highest interest. When I called to say I was struggling greatly with my loan payments. I am working and can not afford to pay them and eat, the customer service representative advised me to take out a loan to pay my interest payment. I have been paying my loan consistently and I owe more than I did when I graduated from college. I do not see how I will ever be able to get out of this. I am in a financial prison. I make around XXXX dollars a year and I live in poverty because of my student loans. I have no other type of debt.
Product: Mortgage

I PURCHASED THE  XXXX   XXXX   XXXX . IN  XXXX  AND OBTAINED  A COMMERICAL   MORTGAGE  FRO M NATIONAL CITY MORTGAGE . CONSEQUENTLY IT FORCLOSED IN  XXXX , BUT LOOKING BACK I SHOULD HAVE NEVER BEEN APPROVED FOR A  XXXX  COMMERCIAL LOAN. I FEEL THAT THIS WAS A BLANTANT PREDATORY LENDING PRACTICE. NOW MY CREDIT IS MESSED UP. I CAN NOT BUY A BIKE WITH CREDIT.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Urgent Complaint Regarding Unauthorized Transactions and Data Breach Dear Sir/Madam, I am writing to formally lodge a complaint concerning issues following a payment of {$2000.00} I made on my loan account with AidVantage customer service representative. This incident has raised serious concerns about the security of my personal information and the integrity of your processes. 
On the XXXX day of XXXX, XXXX  at around XXXX XXXX XXXX XXXX this morning, I authorized my brother to make the payment on my behalf, as I am currently outside the United States, we provided your customer service representative with sensitive personal details, including my Social Security number, full name, date of birth, and account information ; debit card name, debit card number, expiration date, and card security number, all this information were requested by your customer service representative. Following this transaction, I began receiving bank notifications about unauthorized purchases made with my financial information. 
It is alarming to note that within approximately an hour of providing these details : 1. Three unauthorized transactions were recorded in my bank account.

2. These transactions occurred after the payment on my loan, indicating a possible link between the two events. 
This sequence of events strongly suggests a potential compromise of my personal and financial information. I am deeply troubled by the possibility that this breach occurred during my interaction with your customer service. 
I request that AidVantage urgently take the following steps : 1. Investigate this incident thoroughly to determine if there has been any compromise of my personal information through your systems or processes.

2. Secure my personal information and account and implement additional safeguards to prevent further unauthorized access.

3. Provide a detailed report explaining how my information may have been exposed and what measures you will take to prevent such incidents in the future. 
This incident has caused me significant stress and inconvenience, and I expect prompt action to resolve this matter. Please treat this as an urgent priority.

I look forward to your swift response. You may contact me via email at XXXX for further clarification. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized these inquiries : XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX, XXXX XXXX XX/XX/XXXX ( Equifax )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 had an upgrade loan being used for debt consolidation. In XX/XX/XXXX I was approved to make lower payments for XXXX due to a hardship and was told as long as those payments were on time it would report positive standing which I did by having the payments on autopay drafting on the due date the XXXX of each month. I paid off my loan in full XX/XX/XXXX 1 month before the final payment in the installment was due and it incorrectly reported XXXX late payments even though I was never late. I contacted XXXX and they advised they were aware of error and would fix it within XXXX. I've called multiple times and each time they verified it was an error and confirmed no late payments, they provided an email confirming there was an error and updated XXXX and XXXX to reflect the correct payment history, but Equifax is now showing 90day late payment. The negative/incorrect reporting has been very damaging to my credit, and I don't understand how it could continue be updated incorrectly. I feel I am being finished for doing the right thing and paying off a debt early because of the really high payments and interest rate.
Product: Checking or savings account

XXXX XX/XX/XXXX, I was looking at our checking account online. I noticed a charge from XXXXXXXX XXXX for {$4.00}. We have never had that service ever. I further investigated and found that they had been charging our account fraudulently since XXXX of XXXX for {$4.00}. 
I immediately called 5/3rd and they told me to file a claim with the dispute department, that claim number is XXXX. They then told me to cancel my current debit card and order a new one. Since we got the new debit card I use if for nothing. We switched to using our XXXX XXXX for all purchases. We did that and then a week ago I was online looking at our checking account and there was another charge for {$4.00} on XX/XX/XXXX with our new debit card number! I can not believe they have our new number! I called 5/3rd today and filled a new claim # XXXX. They are ordering us a another new card, but I am scared that they will give it to XXXXXXXX XXXX again. I also contacted XXXXXXXX XXXX  today and they have no record of us as a customer and the charge of {$4.00} is strange because they have no plan that costs that much. Our Reference number with them is XXXX.
Product: Credit reporting

The State of Alabama incorrectly filed a XX/XX/XXXX lien against us in XXXX County, Alabama. After determining that our appeal was justified, they rescinded the lien back to its effective date of XXXX. Both XXXX and XXXX have repeatedly refused to acknowledge the lien as rescinded and have filed the lien as " Paid, Released. '' They plan to continue the documentation on our file until XX/XX/XXXX. This erroneous designation is negatively affecting our credit report, our credit score and our ability to secure a home loan.
Product: Mortgage

We closed on a new construction house on XX/XX/XXXX. I called them at the end of the year regarding the property tax and to make sure they adjust the escrow. I was told they had it under control. XXXX came and went. XXXX we get a letter saying we are in the red with our escrow because they didn't pay enough into the escrow, so we were around $ XXXX in the hole and had to catch up. We paid the new escrow and in XXXX we were still in the red. But then we started receiving letters about our flood insurance. I was on the phone with both the mortgage and the XXXX to confirm that nothing has changed with our policy. We had them for the 3 years now. The Mortgage company never paid the flood insurance and we lapsed. Now we can't get the flood insurance for the {$1200.00} we were year and now it is up to {$5000.00} a year. And from what we have been told, we will no longer be able to get the {$1200.00} a month unless we were to sell the house and move into a new house. We have done everything by the rules, the mortgage screws up time and time again and we have to pay for it. This is Freedom Mortgage.
Product: Debt collection

My son opened several lines of credit including a XXXX XXXX Credit Card using my social, name and DOB in XXXX. ( I believe ) and had the card mailed to a property my husband owned. He passed away in XXXX of XXXX and I was not aware of these collection items on my credit bureau until my daughter made me aware this year. My husband and I are XXXX XXXX and we do not use technology normally. We went to our credit union and the assistant branch manager is helping me file disputes on these debts and is helping me file this report. 

The complaint is regarding XXXXXXXX XXXX XXXX & LVNV Funding. We filed the dispute with the credit bureau, provided the police report, FTC identity theft report, called and filed a dispute with the company and faxed them all of this information. I also sent back a letter for them with a notarized statement that said I was disputing this debt. They are continuing to send documentation on multiple occasions asking for the same information over and over. This has not been resolved. I would like for the company to discontinue contacting me regarding this debt and will send a cease and desist letter if necessary.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Action Required Demand for Verification Process Details To whom it may concern, I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items.

The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items, I demand they be removed or corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$2600.00} XXXX  XXXX XXXX {$700.00} XXXX XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX {$2400.00}
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft i filed the necessary disputes along with my FTC report and Police report and had the fraudulent accounts removed in XXXX XXXX XXXX  XXXX of the accounts ( XXXX XXXX ) was reinserted on XX/XX/year>. According to the FCRA section 611 credit reporting agencies are required to send a reinsertion letter not later than 5 business days after the date of reinsertion. This letter should contain proof the furnisher certified the information as accurate and documentation of the business name and address of any furnisher of information contacted and the telephone number of such furnisher or any furnisher of information that contacted you in connection with such information. No such letter was sent to me in accordance with the FCRA. Please delete this account from my consumer report immediately.
Product: Debt collection

Re : Dispute of Inaccurate Information in Consumer Financial Bureau Dear Sir/Madam, I am writing to dispute the following information on my credit report. The account in question is with Toyota Motor Credit, and I believe it is inaccurately reported. 

According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the completeness or accuracy of any item of information contained in a consumers file is disputed, the agency shall promptly delete or modify that item of information.

I request that Toyota Motor Credit verify the accuracy of the information they have reported. If they can not, I demand the immediate removal of this inaccurate information from my credit report. Failure to comply with this request will leave me no choice but to seek monetary damages for the harm caused by this inaccurate reporting.

Please conduct an investigation into this matter and delete immediately.