23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am the brother of someone they thought they were calling. This is the transcript : Federal law designates this matter as a confidential notice for the XXXX XXXX XXXX if this is not the XXXX XXXX XXXX please hang up now if this is XXXX XXXX XXXX please continue listening to this message do not listen to this message where others can hear as it contains confidential information I will now be a three second pause hello this is XXXX XXXX unfortunately I received a notice in your file today is Thursday, XX/XX/XXXX in your ______ ___ reached my office due to __ looks like is him your failure to respond well I do need to know if it was done intentionally hopefully that was an oversight but I do suggest you communicate we are open today until XXXX XXXX  in the phone number I can be reached at XXXX again it would be who've you to call before we were asked to see his volunteer communications so please call me back at XXXX also I do apologize for any aggravation but again I did just receive this notice to pay online go to XXXX and click on the pay now link your account number is XXXX Sent from my XXXX
Product: Checking or savings account

We are the victim of identity theft, on XX/XX/2019 opened a claim for unauthorized transactions posted to our checking a/c. XX/XX/2019 Bank of America has issued partial credit ( ACH transactions ), acknowledged the fraud, but holding us responsible for some activity ( XXXX and Billpay transactions ), and requesting information from me that is impossible for us to provide. We have co-operated to the best of our ability, and they have not been reasonable in the requested for cell phone text message records from the wireless provider and a written statement from the wireless provider letter head confirming that the phone number that is on the account never received a text from XXXX on those dates of unauthorized transactions then they reconsider to reopen the claim. We reached to wireless provider to get history of text messages to the second phone number on a/c but they denied to provide information as text message are legal matter, we need to get a court subpoena and my attorney have to reach wireless company legal department requesting for the details. We do not have an attorney yet. 
Below are the XXXX and Billpayment which we are not authorized from our account : XX/XX/2019 XXXX Transfer Conf # XXXX ; XXXX  XXXX XXXX XXXX - {$1000.00} XX/XX/2019 XXXX Transfer Conf # XXXX ; XXXX  XXXX XXXX XXXX XXXX {$300.00} XX/XX/2019 XXXX Transfer Conf # XXXX ; XXXX  XXXX XXXX XXXX - {$1000.00} XX/XX/2019 XXXX Transfer Conf XXXX XXXX ; XXXX   XXXX XXXX XXXX - {$1000.00} Billpay transactions XX/XX/19 BANK OF   AMERICA CREDIT CARD Bill Payment - {$400.00} XX/XX/19 Bank of America   Credit Card Bill Payment - {$380.00} XX/XX/19 XXXX XXXX Bill Payment - {$900.00} We also tried to contact XXXX  XXXX  XXXX XXXX  to find out about these XXXX transactions, they are not responding. We opened a claim with XXXX  team for FRAUD INVESTIGATION and, RESOLUTION SERVICES  on our identity theft.
Product: Credit reporting or other personal consumer reports

I contact XXXX, XXXX XXXX, XXXX, Experian, XXXX XXXX with my court documents showing the disposition of sealed and/or expunged, however it remains to appear in employment searches, housing and has continued to hinder me despite the relief and fresh start it was designed to create for me moving forward with my ambitions and life.
Product: Credit reporting or other personal consumer reports

I never sign a Contract with this company or credit agency. I have fought this credit allegation before through another credit agency and it was delete from my credit report now being represented by Midland credit XXXX illegally when I never entered into agreement regarding fake information represented on my credit report.This Company is Violating my rights they have not provided Validation information under 12CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my credit report.
Product: Bank account or service

Last year I open an account with Chase bank in XXXX XXXX, FL. In one week they had cancelled the account because I had mistakenly over drew the account by about {$10.00} or {$20.00} dollar ca n't remember the exact amount. It was an honest mistake I had just made the required deposit to open the account. 

This have destroyed me as far as opening any account with any bank. I have had an account with XXXX for over 25 years and I ca n't even open in additional account with them due to this. 

I do n't know what else to do, Chase Bank has destroyed my chances of opening an account anywhere.
Product: Consumer Loan

I asked BMW Financial services for an extension on my lease pmt back in due to a medical emergency in XXXX to which they replied that could not be granted in a lease but the offered if i made a pmt then, they could change the date to give me time to catch up. I agreed and made the pmt and the change of date but instead of benefiting me they added another pmt. they violated the agreement and multiple managers agreed, but as of today after keeping my original agreement I do remain in a constant almost 30 day past due incurring fees.
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and XXXX XXXX compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXXXXXX 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
Product: Credit card

I have Dispute # XXXX with Discover credit card for a transaction with XXXX XXXX  {$3800.00}. Discover refuses to refund me my money for a scam I fell victim to. XXXX advertises a tennis necklace on their website that purposely uses pictures of a larger diamond tennis necklace than what is sent at purchase, and they are refusing to accept returns on it even though the product website clearly states free returns. As XXXX is refusing to refund me, I opened a dispute with Discover.
Product: Vehicle loan or lease

My problem is eerily similar to a lot of the complaints I see on here about Lobel Financial. I purchased a vehicle from a dealer that financed that vehicle on my behalf through Lobel Financial. From my first week of ownership, I consistently had problems with the vehicle. Took it back to the dealership who claimed they fixed it. They did not. Took it to a local dealership, they could not fix the problem either. The vehicle had mechanical issues that were very likely manufacturer 's defects. Having to pay thousands of dollars to fix the car and make monthly payments as well became to much for me financially. I chose to do a voluntary repossession. 

After the voluntary repossession I was sent a letter ( XX/XX/17 ) stating I still owed {$3700.00} for the vehicle. I disputed the alleged debt by certified mail within the required time frames requesting verification of the debt. Lobel Financial to date has never provided me with verification of this alleged debt. They also did not comply with FL consumer protection laws as stated on the Attorney General 's website ( XXXX ) regarding vehicle repossession. This law is stated as follows : " Once your car has been repossessed, your creditor may decide to keep the car as compensation for your debt or resell it in a public or private sale. In either case, your creditor must notify you about what will happen to the car. If the creditor decides it wants to keep the car, you have the right to demand the car be sold instead. You may choose to exercise this right especially if the car is worth more than the amount owed on the loan. If the car is sold at a public auction, you must be notified of the date in advance. If sold at a private sale, you will be notified of a date after which it will be sold. Any resale must be conducted in a commercially reasonable manner. For example, a resale price which is below fair market value may be unreasonable. If this occurs, you may have a claim against the creditor for damages or a defense against a deficiency judgment. You may also be entitled to buy back the vehicle by paying the full amount owed, plus any expenses incurred by the creditor. Additionally, you may be able to reinstate your loan by paying the amount you are behind on the loan plus your creditor 's expenses. '' Despite Lobel Financial 's failure to provide me with verification of the alleged debt, they immediately began reporting negative information to all three credit bureaus regarding this alleged debt. They also periodically falsely manipulate dates, amounts, and the status of the alleged debt in their credit bureaus reporting as well. Lobel Financial operates with a callous disregard for both state and federal consumer protection laws. There is no true protection for the consumer when a company is allowed to operate according to their own prescribed laws without accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # 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

I have diligently followed the established dispute process, providing irrefutable evidence of the fraudulent nature of these items, including police reports, affidavits, and any other relevant documents. Regrettably, these fraudulent entries remain on my credit report, exacerbating the negative impact on my creditworthiness. 

I wish to emphasize the urgency and severity of this matter, and I express the following concerns : The presence of these persistent fraudulent items not only continues to harm my credit score but also raises serious concerns about the security of my personal information. It is imperative that immediate action is taken to rectify this situation and prevent further damage. 

The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies promptly investigate and correct inaccurate or fraudulent information. The prolonged existence of these fraudulent entries on my credit report is a direct violation of this legal requirement. 
Despite my previous attempts to resolve this issue, the lack of resolution is unacceptable. I am left with no choice but to escalate this complaint to higher authorities and legal channels if this matter is not promptly and satisfactorily addressed. 

I insist on your immediate attention to this serious matter and a swift resolution to remove the persistent fraudulent items from my credit report. I demand detailed information on the steps being taken to investigate and correct this issue. 

I expect a written response within 15 days, as the urgency of this matter necessitates a more expedited resolution. This response should outline the results of your investigation and the concrete actions taken to rectify the persistent fraudulent entries. Failure to address this issue within the specified timeframe will leave me with no alternative but to pursue legal remedies aggressively. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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
Product: Credit card or prepaid card

Since prior to the pandemic, Ive noticed that every time I get my balance low enough to make a purchase that COMENITY BANK lowers my available credit and it is always reduced to very close to my statement balance amount. EVERY-TIME WITHOUT FAIL. Example, today I received a letter reducing my credit limit from XXXX to XXXX and my balance is XXXX. Last time they did it was 6 months ago when my limit was XXXX and they reduced it to XXXX. ( These are round about figures but the actions of COMENITY BANK is what Im disputing. The first time when I called them, they told me that there was nothing they could do about it and I told him that the reason for my late payments was that they dont allow the auto pay feature on the account. OK, I get my negligence IF that was the reason they indicated. It was not. They told me that there was no correlation to reducing my credit limit according to my balance. Today, these actions have confirmed me that that is a lie. I was paying down my card so I could make a purchase for my birthday and this is the second time that theyve done this. and this does not allow me to make any purchases on my card. Over the last two years, my credit has been reduced by the bank. The most recent notice that I received explanation was due to previous negative relationship with the bank. Then on the bottom of the page is the mandatory credit report that they are legally obligated to send you. That is not an explanation. The only reason why I didnt pay off my account with them is because Ive had that credit card since XXXX  and at this rate, once they get the money, they will close my account, And closing that account will affect my credit average. But they are weaning me off of the card one way or another but they arent being honest about it. And this actually doesnt really help me at all
Product: Student loan

MOHELA put me into a pay-ahead status without giving me notice. MOHELA does not listen and will not remove me from the pay-ahead status. I am in a dilemma because now some of my payments will not begin until XX/XX/XXXX and others in XXXX. This change will force me to not benefit from the SAVE program as I need a specific minimum amount per loan to qualify for the SAVE program. However, MOHELA refuses to tell me the minimum amount. Now, because I am in a pay-ahead status I can not pay the unknown minimum amount and am stuck appreciating interest until XXXX. 

Furthermore, due to my transfer, my previous payment history has been removed. Therefore, I can not make manual payments to qualify for the SAVE.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Your front door ran my XXXX XXXX XXXX for XXXX dollars through the XXXX XXXX XXXX terminal. XXXX then froze the funds until XX/XX/ according to them and as far as I know the company took off with the money and ran with it even though it was indicated multiple times that a refund was going to be issued. Since then american express has not investigated properly and sent this to a third party collection agency who has since reported it to my credit without fixing or investigating the merchant. I nor american express has recieved the money and now has made it my problem. I have since gotten the FBI involved and filed a civil suit. I would like this to reinvestigated properly. 
My attorney is XXXX XXXX his numer is XXXX and the FBI officer working on this fraud case is XXXX XXXX Email XXXX XXXX
Product: Student loan

ACS has changed names/ownership with no notification. Now I can not log in to the new company to pay my bill.

ACS was acquired/merged with Conduent, and now I cant log on to pay my student loans. I have been paying on time since I started in 2014. I tried logging in to pay, and it kept saying the action was unavailable at the time. When I tried contacting them via the Contact Us form, it requested my SSN and then said I did not have an account with them. When I tried to register again, it said I DID have an account! I live abroad, so I cant be wasting additional money trying to call and being placed on hold for a ridiculous amount of time.

These are the issues that I am having!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The bank allowed scan by nonmatching, nonsignature, nonordered or consented to cards nor, transactions '' thus '' I can not be made to pay nonelectronical, nonconforming, bank transfers, completed by thee, merchantb '' CHASE BANK UP XXXX, AMOUNT OF {$120.00} XXXX XXXX XXXX ( (? ) {$750.00} (? ) NOTHING TO, NO ORDERS BY XXXX XXXX XXXX XXXX XXXX XXXX COMPEL PROOF CHASE WILL DODGE XXXX XXXX OBSTRUCT '', my card was losr at a store grocery after it was declined Chase has subjected me to identity theft.chase also destroyed ' '' cut up the card 's a XXXX address XXXX location when I entered I discovered my XXXX, was missing. To date no refundsplus non compliant ORDERS n cyberworld? My Credit score thanks to that XXXX dropped XXXX ... im XXXX
Product: Vehicle loan or lease

Hello, First I would like to say that Lendmark Financial is a great company and I plan to continue to do business with them if they see fit. I requested a car loan for my husband back in XX/XX/XXXX and we were approved for the vehicle. He was hospitalized for weeks due XXXX health and was out of work for some time. My husband was sick again during the time of XX/XX/XXXXand XX/XX/XXXX and he was not being paid for his time out which caused the account to go past due XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX we were late 30 days and XX/XX/XXXX I was also late 30 days. Unfortunately, we had a death in the family and I was responsible for the cremation and the memorial services which set me behind those 2 months for my car payment. I will also admit with much going on I also lost track of my financial obligations. 

Although the loan has been refinanced and well appreciated, I'm still taking a big hit with my credit score and at this time, I'm trying to get approved for a mortgage. Please consider updating the past due history for the previous loan. 

Lendmark Financial was gracious enough to refinance the loan in which I am thankful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with XXXX and received response the account was verified. XXXX  has also refused to reinvestigate my account unless I provide new supporting documentation. I do not have any documentation because the account is inaccurate. I have reached out to the third party source XXXX and the agent states they use a third party verification via XXXX. I have also spoke with the courts who do not have any account information and states they do not verify information via credit bureaus or anyone for that matter. I am going to have my attorney have them sign a document stating that the account is not mine and that they did not verify this information with any of the credit bureaus. I am requesting documents bearing my signature showing that I have legally binding contractual obligation to this account and the method of verification. Any automated or XXXX verification is unacceptable. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report. CC : XXXX, XXXX & Transunion
Product: Credit reporting or other personal consumer reports

I recently reviewed all three of my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies, ( Experian, XXXX, and XXXX ) need to report all information with complete accuracy, the account has not been late on payment. Ive attached a copy of my credit report to this complaint on the following date ( s ) ( XXXX 2024 and or XXXX  2024 ). Im now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your swift response to this matter and your complete cooperation on this matter.
Product: Credit reporting or other personal consumer reports

Citibank unfairly reported negative payment information to all 3 credit agencies regarding a situation in which the account holder ( me ) was not at fault for the delay in payment. On XXXX XXXX, there was a technical error with XXXX XXXX XXXX auto billing which resulted in a missed payment cycle to Citibank. The account holder was unaware of the issue until the following billing cycle at which time the billing issue was corrected and payment was rendered. Citibank was made fully aware of the problem and completely ignored the fact that the missed payment was at the fault of XXXX. Citibank unscrupulously reported negative information to my credit report for XXXX XXXX
Product: Debt collection

This account does not belong to me, and I never authorized it. Please remove it.
Product: Debt collection

CMRE FINANCIAL SERVICES INC. I received the attached demand letter from CMRE for a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This request is for TransUnion to remove inaccurate information from my report account XXXX from XXXX XXXX  should not be on my report TransUnion is the only agency reports these accounts on my credit report the information in inaccurate and I want it removed from my report asap I will upload supporting documents to show TransUnion is the only agency that is reporting this mis information
Product: Credit reporting or other personal consumer reports

XX/XX/2023 a letter was sent to Experian explaining that there had been some fraud on my account with someone applying for credit in my name. It has been over 30 days and i have yet to this issue resolved
Product: Mortgage

I am rated 100 % Permanent and Totally XXXX by the Dept of Veterans Affairs. I submitted my letter to the city in which I own property and received a letter back stating that I am 100 % exempt from paying property taxes according to VA statute. I have submitted this documentation to my mortgage servicer ( CMG Mortgage ) XXXX separate times, called them XXXX  times, and interacted via message online XXXX different times. They refuse to adjust my escrow and taxes telling me I am not eligible for an exemption. When I asked to speak to the tax dept they told me they dont have a phone line. On XXXX occasion I even conferenced in the city treasurers office and they verified over the phone with me and CMG that I was not responsible to pay any property taxes and that any I have paid thus far should be refunded to me from escrow. They still say I do not qualify. I need assistance getting this rectified and what they are doing is completely wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

B

ack in XX/XX/XXXX, I sent Experian a dispute challenge letter. In reference to account : ( XXXX XXXX XXXX ) I've asked the company to delete this account for the following reasons : as of today XX/XX/XXXX, Experian still reports this account as verified and updated, which is inaccurate and a violation. : Balance currently being reported is inaccurate and a violation ; account must be deleted. : Last date of activity currently not being reported or reporting inaccurately ; a violation : account must be removed. : Last date of payment was made in XX/XX/XXXX of which my bank payment reflects, while Experian report shows last payment made was in XX/XX/XXXX. this is inaccurate reporting, account must be deleted and is in violation.

: Account does not report date account was closed or charged off. This is inaccurate reporting and violation, account must be deleted immediately. 

: Account continues to report multiple charge-off or negative after account has been closed or charged-off. an inaccurate reporting and a violation, account must be deleted.