23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

On XXXX XXXX, XXXX my truck was stolen from the XXXX area at a friends house. I notified my insurance company XXXX which referred me to my gap insurance since I only had liability on the XXXX truck. I was notified by XXXX XXXX XXXX XXXX that they had my vehicle and acquired it on XXXX XXXX, XXXX. I immediately notified the Gap Insurance company who said they would send adjusters out to assess damages and next steps and that I could check the website for updates. the lot would only hold my truck until XXXX XXXX, XXXX according to the notice, I informed the insurance company of this as well. Around XXXX XXXX I contacted the lot where my vehicle was being held to inquire of the adjuster had been out since there were not any updates in the system and time was running out. I was informed that the lien holder came to pick up the vehicle on XXXX/XXXX/XXXX. I received no information for the lien holder as to the status, I forgot to mention during this same time frame, end of XXXX I received an email for the gap insurance company that they would not be paying a benefit because they got a report that the vehicle was repairable. 
On XXXX XXXX, XXXX I got an alert from XXXX that my credit report has changed, that 's when I learned that Santander had listed my vehicle as a repossession. I had the loan for approx. 2 years and I have never missed a payment even through vehicle being stolen. When I contacted the company I learned that the truck was going to auction on XXXX XXXX and if I wanted to get it I needed to pay {$1500.00} at this conversation it was around XXXX XXXX they claimed they sent out a notice which at this point I had not received regarding their intent to sale the vehicle. I did get a notice of a certified letter on XXXX/XXXX/XXXX. My issue is I am being penalized for my vehicle being stolen, and to call it a repossession after never missing a payment on the vehicle is absurd their explanation is because they picked up the vehicle form the lot it was a repossession, I could have very well picked up the vehicle if it was n't for the fact that I was told by the gap company to wait for an adjuster to go out, they can call it anything else but a repossession does not represent me or what happen in my circumstance, not to mention the damage it will do to my credit I have been working on for an entire year! 
I do n't know where else to turn and Santander is not even considering changing it from a repossession, Please advise on what I can do -- Thank you so much.
Product: Mortgage

Long story short, my ex-husband allowed our home to go into foreclosure. I called and made payment arrangements, gave over XXXX to catch up on some payments, drained my XXXX only to be told that after my 3 on-time lower payments, I was denied the program to assist with the mortgage. I attempted over 4 years to work out payments, sending additional money and payments that they asked for to get into the lower income repayment programs and denied many times. Throughout the 3 years of them taking payments, and making promises to work with me, I got a notice XXXX weeks before XXXX that I had 30 days to get out, even with my children. My ex-husband claimed XXXX on his portion of the home, which I did not know, since I received a letter from his attorney stating he mortgage was not included in the XXXX Needless to say, I called Wells Fargo immediately, they said there was nothing they could do that I must get out of the home. I explained again, they have all the notes in the system that I was trying and not one person told me that there was a XXXX  on the home and that the 3 year tome period was up and since I did not refinance, I had no claim to the home. After almost 4 years talking to them every other month, them taking over XXXX of my money then taking my home. I lost my home in 2014 due to Wells Fargo allowing a XXXX  on an individual and turning it into a joinXXXX XXXX XXXX NEVER CLAIMED XXXX! MY EX-HUSBAND DID, ON A JOINT MORTGAGE!
Product: Checking or savings account

I have been usin g TCF Bank  until recently when I read about the unfair ways they are " tricking '' their customers into overdraft fees. I have had NUMEROUS issues with them and they continued to do it. I switched banks, but still have a couple auto withdrawls and a weekly automatic deposit. I looked at my account and was charged {$110.00} in overdraft fees today. I called TCF and they said there were several items that caused the overdraft. When I looked at my account yesterday, it was positive, with  XXXX  pending withdrawls and automatic deposit. It did n't make sense at all why I would be charged  XXXX  fees. They refused to help me and I hung up the phone.
Product: Debt collection

We requested validation of the debt. I am unaware of this debt and I wasn't given the opportunity to dispute this information. If in fact that you believe you gave me the proper notification, please send me the certified receipt with my verified name and signature on it stating that I properly received this debt.
Product: Checking or savings account

I recently had a checking account with J.P. Morgan Chase Bank. It was opened XX/XX/2021 and was closed shortly after, abruptly and with out notice of any kind, on XX/XX/2021. There was a total balance of XXXX in the account at the time of the closing. This money that i have worked so hard for, was suddenly taken by the very institute that i had entrusted it with. I encountered great difficulties on behalf of Chase Bank and its associates when i attempted to inquire as to why my checking account had been closed and why my money has not been returned to me. Their response was that it was a business decision on behalf of Chase Bank to close my account and discontinue our business together, and they could say no more to that matter. Fair enough. Frankly, i had no intention of continuing any business between Chase bank and myself, either. The unprofessionalism and lack of respect for the private property of their customer has left a bad taste in my mouth, so to speak. I know well enough not to do business with companies that behave in such a manner. My main concern is my money that they have kept from me to this day. When i inquired as to why they had taken and continually refused to return my funds, they responded firstly, that the money was issued from the Unemployment Department of the govt, so therefore it had been returned to them and the bank no longer had the funds. I responded with, first of all the money was not issued by the unemployment department, that is completely inaccurate. Of course they did not listen and continually tried to tell me where MY money had come from. So i called the Unemployment Department and asked them to verify that the money was not from them. They not only verified that the money was not from them but that they had not received any money from Chase Bank. Even though Chase Bank had specifically stated that my money was " returned '' to the Unemployment Department, that fact is, the money never left their hands. When i called and told them that i had spoken to the Unemployment Department, they relentlessly and continually stated that they did not have the money and that it was in fact returned to the bank accounts they were transferred from, even though a a lot of the money had came into the account as cash deposits and that they could not tell me which banks the money was sent back to. The very last time i spoke to them, they had once again changed their story and stated that they did have the money the whole time and that they were keeping a hold on the funds during which they will undergo a verification process. I am running out of patience, and i have been very patient and cooperative with them, only to be treated with, to be blunt, downright disrespect. I simply want these games to end, and i want my money to be rightfully returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any accounts, personal or business with bank of america but there is a hard pull on my credit from XX/XX/2022 that I would like to get removed from my credit report please.
Product: Credit reporting or other personal consumer reports

I went to check my FICO score from the bank. I notice it took a hit so I look at credit report. There I discovered XXXX XXXX put a claim against me. I know this is false because I have XXXX have XXXX for close to 14 years. It also showed I lived in California ; which is incorrect also ( only lived in XXXX states since I was born ). Both states are east coast. The day it was opened was XX/XX/XXXX, I have bank / debit information showing I was in town at that time. When me and my wife upgraded our phones late XXXX XXXX had us show Drivers License, XXXX bill, etc. And had to sign tablet for contract. I can/ have provided where we pay for phones, cable, & internet with XXXX. When I contacted Equifax, XXXX, and XXXX they all said it was accurate. They need to show proof. I never would have thought how little the credit agencies really do not want to do their job. i will seek legal coucel to go after all XXXX companies that need to do better.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Experian XXXX was added to my XXXX XXXX acct. ( 3 ) inquiries as to Why I HAVEN'T REC 'D A XXXX YET? XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX NO REPLY FROM EXPERIAN! YESTERDAY I called both XXXX XXXX ( XXXX ) & EXPERIAN ( XXXX ). XXXX said - pending...? dashboard ...? today ... Her accent got worse when I asked WHY MY ACCOUNT HASN'T BOOSTED? Accounts added are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my report again after submitting multiple disputes without a response back and this account still remains on my credit report, These XXXX accounts are not mine
Product: Checking or savings account

My bank is not reporting my updated balance to XXXX ( an app ).
Product: Credit card

I received an email from Chase bank on XX/XX/23 that I applied for a credit card but I did not. I talked to the bank and they closed the application.
Product: Debt collection

The XXXX XXXX XXXX people keep calling me and calling me about this debt. I sent a certified letter on XX/XX/XXXX asking for information and proof that I am suppose to owe all this money to XXXX for a best buy account. I ask for proof that I owe this ridiuculous amount this letter was sent and they returned it said undeliverable. I sent this to the address on the letter in which was on top of the letter, stating such. I have this proof but I can not download it to the computer. But if need be I can send it in. These people call me all times of day, night day after day and I wont it to stop. They are threating to turn this matter over to an attorney. I want this to cease until I am given proof about this XXXX dollar amount. I know as a fact I DONOT OWE XXXX!!!
Product: Debt collection

XXXX TransWorld I have no record of business with this company. I have no documentation showing that I have direct business with them. 

Received multiple calls from number but on most recent interaction the representative refused to communicate information required to verify their identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The representative refused to name the business. 
The representative refused to provide the address. 
The representative provided his name but refused to spell it. 
Placed me on mute to communicate with his leadership, but still refused to provide the information when he returned to the line.
Product: Debt collection

A collection has been put onto my credit report that I have no knowledge of, and I did not give anyone permission to do so. I have been contacting and going back and forth with the collection company for more than 30 days in reference to this, each time contacted I get the same response as its under investigation. Asked for the wet signature and nothing has been received. this is my third time writing a complaint with the cfpb against this issue. I have been cooperative thus far and this issue has caused me XXXX XXXX XXXX due to me not being able to get approved for my home loan. Attached to this complaint is all documentation and proof that was requested by this company that still hasn't gotten ack to me in regard to an update.
Product: Credit card

I sought services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was initially enticed by a promotional offer : a XXXX  treatment at a 50 % discount upon signing up for their email list. 
Unfortunately, my experience was extremely disappointing. After the XXXX, I ended up with an unexpected breakout on my XXXX and a XXXX XXXX residue left covering my skin. In light of this, I contacted the owner, XXXX, to express my concerns about the service I received. In an attempt to rectify the situation, she offered me another 50 % discount for my inconvenience. 
Trusting her commitment to customer satisfaction, I decided to give them another chance. However, when I returned for services, I was informed that they would not honor the 50 % discount that XXXX had promised. As a result, I ended up paying the full price for the services, which were advertised on their price sheet. 
Complicating matters further, I had pre-paid for a package of services but had not utilized them due to my poor experience. When I requested a refund for the remaining balance in my package, my request was flatly denied. I was informed that their policy does not allow for refunds or credits on pre-paid packages. Despite my willingness to pay for the services that had been rendered, they again refused my request. 
Dissatisfied with my experiences at both locations I visited, I made the decision to cancel all future appointments and have not returned since. During my time there, I was subjected to high-pressure sales tactics urging me to purchase additional packages, which were presented as limited-time promotional offers. I had initially agreed to a total of five sessions for XXXX XXXX and XXXX XXXX sessions for XXXX XXXX and XXXX for XXXX XXXX 
In the dispute I filed, XXXX claimed that she could not issue a refund for services rendered. However, I there are numerous services for which I had paid but did not receive. 
She also provided misleading information to my bank, Bank of America, and XXXX XXXX XXXX during the dispute process, failing to supply any documentation or photos that would validate her claims regarding their refund policies, return policies, or service prices. Overall, my experience with XXXX XXXX XXXX was far from satisfactory, and I feel that my concerns were not addressed appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX  XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. Please see that this fraudulent account removed immediately from my credit file.
Product: Credit reporting or other personal consumer reports

Im a victime of identity fraud my information was used back in XX/XX/XXXX for fake fraudulent check I also have loans and a credit open on my name that I have no record of Im also unable to get a bank account due to all of the fraudulent activity
Product: Credit reporting or other personal consumer reports

Student loans have been rehabilitated and this information/status is no longer correct. Information needs to be removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted XXXX in regards to some accounts that appear on my report. I am currently incarcerated so there is no way I could have opened these accounts. I have submitted the necessary documents to dispute said accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts that reports errors in my credit report with XXXX, Transunion and XXXX. All I want is for them to remove it completely from my credit report and establish my credit to have a better financial status. It has been seven months but they did nothing! I am very distressed and I hope you can help me to have them fix this issue. 

First Letter was XX/XX/2020 the second letter was on XX/XX/2020 the Third letter was XX/XX/2020 and the last letter was XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Equifax still has not updated credit report, current address, & score still has outdated score and report from 2021, called and sent online dispute and still they have not fixed it.
Product: Checking or savings account

I have money in my Michigan bank of America unemployment account and bank of America refuses to let me have access to my account balance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous! ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX XXXX Date XXXX Balance : {$6500.00}
Product: Vehicle loan or lease

I placed an order for a new XXXX XXXX at the end of XXXX and was approved for a lease. I finally got a message to schedule delivery for the end of XXXX after waiting a month, but Tesla cut prices for the lease a few days before that, making the same car I ordered about {$2000.00} less for the same exact terms. Customer service has been terrible this entire time. Most representatives I have spoken to on the phone had no idea what price cut I was talking about or tried to give an explanation about the down payment or interest rates that made no sense. Ive also had no luck speaking to a supervisor after requesting one for a week and emailing a direct contact I have with the supervisor at my local delivery location. When I put in a request for the financing team to rework my terms to match what theyre giving new customers for the same car, it was denied the same day. I then requested for a refund of the original {$250.00} to place another order and get the same terms as everyone else with a new application. The representative XXXX XXXX I spoke to was very unhelpful and robotic, stating it was non-refundable under all circumstances. Again I was unable to speak to any manager or supervisor to work out an exception. Im still waiting on a call back or response from someone higher up who wants to keep a new customer, as Im still interested in placing another order but need the first order fee refunded/credited as a courtesy first.
Product: Credit reporting or other personal consumer reports

I AM WRITING TODAY IN REFERENCE TO SEVERAL FRAUDULENT ACCOUNTS, UNAUTHORIZED HARD- INQUIRES, AND INCORRECT PERSONAL INFORMATION THAT KEEP APPEARING ON MY CREDIT REPORT. THESE THINGS DO NOT BELONG TO ME AND SHOULD NOT BE SHOWING UP AGAINST ME. I DEMAND THAT THEY BE REMOVED IMMEDIATLEY. THIS IS THE SECOND TIME THAT I'VE WRITTEN YOU REQUESTING A 'PROOF OF CONTRACT FROM THE CREDIT BUREAUS AND THE COMPANIES LISTED IN MY IDENTITY THEFT REPORT AFFIDAVIT. 
MORE THAN 30 DAYS AGO I WROTE AND REQUESTED " PROOF '' OF THE ORIGINAL CONTRACT WHICH CONTAINS MY SIGNATURE IN REGARDS TO THESE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS. THE CREDIT BUREAUS NEVER PROVIDED ME WITH ANY PROOF THAT A CONTRACT EXIST, NOR DID THEY RESPOND BACK TO ME. 

XXXX FRAUDULENT ACCOUNTS XXXX XXXX XXXX ACCOUNT # XXXX, DATE OPENED XXXX, BALANCE {$380.00}, XXXX XXXX XXXX, ACCOUNT # XXXX, DATE OPENED XXXX, BALANCE {$1700.00}, XXXX XXXX XXXX XXXX, ACCOUNT # XXXX, DATE OPENED XXXX, BALANCE {$530.00}, XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX, BALANCE {$1300.00}, XXXX  XXXX XXXX XXXX XXXX DATE OPENED XXXX, BALANCE {$0.00} EXPERIAN FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX ACCOUNT # XXXX, DATE OPENED XXXX, BALANCE {$1700.00}, XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX OPENED XXXX, BALANCE {$1700.00}, XXXX XXXXXXXX XXXX XXXXXXXX, ACCOUNT # XXXX XXXX DATE OPENED, XXXX, BALANCE {$530.00}, XXXX XXXX ACCOUNT # XXXX, DATE OPENED XXXX, BALANCE {$1300.00}, XXXX  XXXX XXXX XXXX XXXX, DATE XXXX XXXX, XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX  OPENED XXXX, BALANCE {$0.00} XXXX XXXX ACCOUNTS : XXXX, DATE XXXX XXXX XXXX, ACCOUNT # XXXX XXXX DATE OPENED XXXX, BALANCE {$380.00}, XXXX XXXX XXXX, ACCOUNT # XXXX, DATE OPENED XXXX, BALANCE {$1200.00} XXXX XXXXXXXX XXXX ACCOUNT # XXXX, DATE OPENED XXXX, XXXX XXXX, ACCOUNT XXXX XXXX  XXXX, DATE OPENED XXXX, BALANCE {$1300.00}
Product: Mortgage

My Lender " Shellpoint/NewRez '' Loan # XXXX has incorrectly calculated my escrow analysis. They have raised my payment by ~ $ XXXX. This is related to a forced placed master insurance policy that was never needed. My building is a XXXX XXXX high rise condo that has always had up to date insurance. They did not do a good job working with my HOA to collect the information manually. 

I have been trying to get NewRez to recalculate my escrow analysis prior to my XX/XX/2022 payment ( which shows the increased payment ). They have not responded to me via messaging on their site. I chatted with their online tool and was told that they will escalate but it could take 30 days to review. This is unacceptable. 

Please help. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX advertises free consultation appointments for the services and treatments you offer, including non-surgical regeneration. I received marketing material from XXXX XXXX, contacted XXXX XXXX to schedule the offered, free consultation to inquire as to what treatments are available for him. Solely based upon representations, in writing and verbally from XXXX XXXX, that the consultation was free and there was no commitment, I had a free consultation in early XXXXXXXX XXXX. I attended this appointment in good faith to discuss treatment options with XXXX XXXX XXXX. After his free consultation, I elected not to go forward with treatment ; a decision that he was reassured would result in no charges by XXXX XXXX and XXXX XXXX at the consultation appointment. To my surprise, XXXX an invoice in the mail for treatments that were not administered nor agreed to, in the purported full amount of XXXX XXXX XXXX XXXX XXXX and XXXX  ( {$20000.00} ) dollars. Greensky is not chasing me for XXXX XXXX of these funds and has put it on my credit report.