23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am placing a freeze on my credit files at XXXX, TransUnion, and XXXX, as it seems like the only sound method now to protect myself from identify theft. There is a fee, with each bureau, to freeze and unfreeze my files. Due to the frequency, pervasiveness, and severity of data breaches ( especially the most recent XXXX breach ), the fee is an unjust burden on consumers.
Product: Debt collection

The company ( Ally XXXX ) contacted me in regards to an auto loan I had with them. I explained to the representative that I had made payment arrangements, and I had sent {$1000.00} to them via XXXX XXXX, and I would get the rest to them no later than XXXX because of a family emergency. The representative ( XXXX XXXX ) then used abusive language towards me and threatened my credit rating. As a veteran who has put his life on the line for his country, I feel that I should not have to put up with such dispicable behavior.
Product: Debt collection

My most recent credit report includes several accounts I did not authorize. Please ensure these accounts are blocked and removed as soon as possible.
Product: Mortgage

My first mortgage payment with seterus was in XXXX 2016. XXXX, XXXX, XXXX, and XXXX were all paid on time. At the end of XXXX I received a letter stating that I owed for all four months payments. Their claim is that the payments were denied by my bank, and I was informed to send them proof of payment through fax. They requested my monthly bank statements showing proof of payment. I sent my monthly bank statement showing the payment went through with all but the last XXXX of my account numbers blocked, and all financial transactions not pertaining to them blocked. Included in the fax was proof that the payments had posted, and 2 days later been authorized by the financial institution as well as a letter from the bank manager expressing that all payments had went through and not been denied. Upon calling seterus to confirm they had received the faxed documents i was informed that my loan was going into moderation, and also that I had to resend the bank statements showing every transaction from my bank account ( which I will not acquiesce to ). I continue to get letters threatening foreclosure or default, and they refuse to allow me to make a current months payment until I " repay '' the previous 4 months total.
Product: Credit reporting or other personal consumer reports

I attempted to login to my experian account and the dual factor authentication that was supposed to send a text to my phone never came through. By using a link from the XXXX website to the XXXX website, I was able to gain access to my account and see that phone numbers and addresses had been added to the account that were not mine. In addition, a fraudulent " Consumer statement '' was added that said that any attempts to apply for credit were fraudulent and gave a phone number ( which was also added to the account ) to call. I had the EXACT same information added to my XXXX account, but was able to reach customer support and have the account deleted so I could create a new one and dispute the inaccurate information. I have had no such luck trying to get through to anyone in customer support in Experian despite spending over XXXX hours attempting to do so. The Experian account fraudster changed the password and added the following email and phone number to the account. Because of the change in password, I am unable to delete this information. email is XXXX and the phone number is XXXX. In addition, the Consumer statement referenced a number of XXXX
Product: Credit reporting or other personal consumer reports

CEASE AND DESIST UNAUTHORIZED USE OF TRADEMARK XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED USE CONSTITUTES INFRINGEMENT AND WARRANTS COMPENSATION. YOU ARE TO REMOVE THE OWNERS MARK FROM YOUR RECORDS FOR IMPROPER USE OF MARK. YOU ARE HEREBY GIVEN TEN ( 10 ) DAYS TO RESPOND. SEE ATTACHED STATEMENT FOR ARBITRATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I requested my current mortgage servicer, Nation Star, to remove our PMI insurance. They refuse to remove the PMI. XXXX weeks ago I completed paperwork to request the removal, but according to my loan docs it was supposed to be automatically removed on XXXX/XXXX/2015.
Product: Debt collection

This account doesn't belongs to me They have opened this account with fake ssn & dob Somehow they have linked my name to this account which is completely fraud
Product: Student loan

My XXXX  grant was wrongly converted to a loan within months of graduation from a XXXX prep program. As a result I have finally received notice that I am eligible for reconsideration. I contacted FedLoan servicing immediately on XX/XX/2019. Same day I received the notice. Fedloan Servicing took almost three months to simply certify that I was eligible for reconsideration. Gave me completely inaccurate timelines each step of the way. They finally certified that I was eligible, certified that I had fulfilled my service obligation, and that they full {$4000.00} balance of my grant was due back to me plus interest paid since it was converted. It is now nearly XXXX and almost seven months later Fedloan servicing has not returned my money or followed through on a timeline to complete the process. Meanwhile they have consistently indicated that they do not have accurate documentation of my loans, calling into question the legitimacy of all other documentation. They have told me that my loan was being " rebuilt '' ... for that last seven months ... because it was processed by another servicer. At no point did they tell me who that was. Because my loans have always been serviced by Fedloan Servicing. At one point someone in their public relations department told me that my loan was serviced by XXXX. I have no knowledge of this ever happening, and XXXX does not either. At this point I need to secure my {$4000.00} plus interest in a timely manner. After nearly 40 calls to their customer support lines this is still unresolved and there is no clear timeline from them. I would like to consider legal action for the balance due back to me, as well as the time spent attempting to obtain it, plus interest. I would also like to audit all other documentation from them to verify whether it is accurate and whether they owe me back any additional money. My full student loan balances are paid off, so this is money due directly back to me. Your consultation is greatly appreciated.
Product: Debt collection

I received a subpoena from a collection agency threatening to sue me on a time barred debt from 2004.This company has tried several times to garnish my wages but have been unsuccessful due to I only work 1-2 days a week and now they are taking me to court and asking for record of employment, checking/saving accounts, deed to property, titles to vehicles and copies of tax returns for the past 3 years which I do n't understand the need for because I thought it is against the law to try and sue or threaten to sue someone on a time barred debt.
Product: Mortgage

My mortgage was recently acquired by Fifth Third Bank. 
I set up my online account to make mortgage payments. 
The online system showed my next payment due XX/XX/2022. 
On XX/XX/XXXX I made a payment of {$2600.00} ( {$850.00} principal, {$1300.00} interest, {$400.00} escrow ) and it was designated a " regular monthly payment '' on the Fifth Third website. 
I also made an additional principal payment of {$380.00}. 
On XX/XX/XXXX I logged in to see the " system '' applied my entire payment to principal, and I still have a payment due XX/XX/2022. 
I contacted customer service via chat who said " The trouble is because your payment is already paid for XXXX, so there is no bill due at this time, since XXXX 's due date isn't anywhere close. '' I paid a payment 4 weeks in advance. 4 weeks. This bank is clearly fraudulently applying payments to their benefit if customers can't apply simple payments 4 weeks in advance! Not only that, but their " system '' I used designated this a " regular monthly payment '' - so why didn't the " system '' apply this correctly? 

I am not going to argue with them each month when I make a payment. Some of us stay on top of our bills. We should not be punished for it.
Product: Vehicle loan or lease

I brought a XXXX  XXXX XXXX in XX/XX/2018 in the state of XXXX  XXXX. I moved to XXXX  last XXXX and I did a change of address threw the postal service however Honda failed to mail me my bill statements the last payment I made was in XXXX on XX/XX/XXXX my car was repossessed at my XXXX  address that Honda Financial failed to sent my payments to. So the guy whom repossessed my car told me all I had to Do was pay the months I was behind and will receive my car back. So the next day I called them to pay the two months I was past due and they informed me that I had to the pay the entire loan off before I can get my car back her name was XXXX and yet she was rude, and unprofessional.She even hung up in my face so I spoke with a supervisor by the name of XXXX who made me send in tons of paperwork to prove that I was capable of paying the car payment and also he was supposed to be seeing if Honda would release the car back to me if I paid my past due amount. So he never called me back so I called him Monday to see what they said and he stated to me that at this time Honda decide not to give you the car back so only option I had was to refinance it so me and mother called over 10 people to get the car refinance and every lender stayed that Honda over charged us for the car and the car is not worth XXXX its only worth XXXX.Soon as me and mother found a lender to refinance the car Honda financial report to the credit breau that the car was repossessed making it hard for me to refinance the car.For one they wrongly repossessed my car and didnt give me no notice or nothing they all were rude but XXXX and they over price a car thats not worth what they are saying its worth and they will not allow me to get my personal property out the car or get my personal tags off the car. Honda financial is a scam and I advice NO ONE to finance a car threw them. They are unfair to consumers and cheat there consumers. This just aint with me its all there consumers go yelp and read there reviews.
Product: Debt collection

Sent them a letter asking for verification and legal validation of this on XXXX. They have ignored me.
Product: Debt collection

Vehicle was totaled out by insurance. Insurance paid a portion of the car balance leaving a small amount to be paid. My father in law paid the remaining amount in a settlement based on a letter that was mailed to me. The information is still being reported on my credit report and should not be. This is hindering me in getting another vehicle because it looks like I still owe on another vehicle. I have asked Santander several times to send me a receipt and a letter stating the debt has been paid and they will not respond.
Product: Bank account or service

I had told Wells Fargo to freeze my account since creditors are trying to send ACH debit to my accounts. Wells Fargo refused to do it and has been charging me {$35.00} each time. They charged me over {$700.00} in overdraft fees since XX/XX/XXXX. They would n't close my account because it is overdrawn because of their fees. I was under a XXXX due to a lot of debt and in the verge of losing everything.
Product: Credit card or prepaid card

XXXX XXXX has their flight attendants aggressively market credit cards through in-flight PA announcements. 

These ads often seem misleading ( " fly ANYWHERE using these miles '' ) and some statements seem like lies : 1 ) a flight attendant, in XXXX, telling us " I heard that the XXXX bonus miles offer is going away at the end of this month. '' The offer is still here in XX/XX/XXXX XXXX a flight attendant this week said, " If you're connecting in XXXX, you'll want to apply now because this offer isn't available on every flight. '' But it is. 

As a frequently flyer, I hate being a captive audience to their intrusive, loud, and often misleading ads.
Product: Credit card or prepaid card

capital one credit card closed 7 of our accounts for no reason and by doing so they are not allowing us to use our accumulated points to purchase a new general motors product.
Product: Debt collection

Every day ( and sometimes multiple times per day ) I receive phone calls from numbers with seemingly random area codes. 
I am currently looking for a job and can not afford to screen my calls in case one of them is a prospective employer. These calls come in at very inopportune times, often waking me up or waking up my partner who works overnights. I also have relatives with declining health and am an emergency contact for many of my loved ones. I often do contract work that requires me to be on call, and if I do not answer the phone I will lose my contract. 
Having to run out of church to answer my phone is very embarrassing and disrespectful. Getting unnecessary calls while at work looks unprofessional. Interrupting our sleep is affecting our mental health. Every time a number calls that I do not know my heart drops because I am terrified something has happened to a loved one, or that there has been an emergency of some sort. 
To top it off, the callers will remain on the line long enough until a voicemail is left on my phone, which causes the box to be full constantly. If I forget to clear it, I miss valuable and potentially life changing information. 
I have asked these people to stop calling me, and it has been going on so long that I no longer remember which companies are calling me and what the call is about, because if I ask for the purpose of the call, they respond by first asking me to identify myself. If I do not identify myself without knowing the nature of the call, they state that they will try again later, or simply hang up. 

Here is a short list of numbers that have called me, with dates/times : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Basically this has been going on for a year or two and if they really want my money they should stop interfering with the activities that actually EARN that money. I'm not sure what other information I can pass along that could help and I wish I could remember the specifics about who these people are and what they want but after everything they have put me through I have long since given up on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for a loan/ credit with XXXX . This inquire happened during the same time as another one from XXXX XXXX of which I did not apply for either.I have contact the company via phone and email to request them to stop pulling my credit without consent. I was told they would look into it and they have stop responding to my request. I never applied nor desire to do business with this company and they are hurting my credit with there hard inquires.
Product: Checking or savings account

I ordered merchandise from XXXX, and it was never delivered. I received email after email and text after text stating that the items were returned to the sender. I asked XXXX for a refund and it was never provided so I disputed the charge with my bank XXXXHASE. When I started the dispute, I asked the Chase Rep If I could send paperwork proving my point and I was told No need. I continued to try to get XXXX to provide refund and they stop speaking to me and told me i needed to talk to my bank. I received a letter on Saturday from Chase telling me the temp credit I received would be recouped. Since then, I've been on the phone with Chase every single day speaking to representatives trying to get the issue resolved meanwhile my checking account is overdrawn by - {$210.00}.
Product: Vehicle loan or lease

I purchased my car from U.S Auto the end of XXXX of XXXX. They picked my car up XXXX and said I didnt make payments. I paid to get my car out of repossession. A couple of days later they emailed me and said they was closing down. Westlake sent me letters in the mailing saying I didnt pay U.S Auto and I owe XXXX on my XXXX XXXX XXXX XXXX I advised them I have been making payments. I asked westlake did they have my contract because I was trying to get my suv fixed under my warranty. Westlake informed me that they didnt have my warranty and they only taking over the payments. I asked them how am I supposed to pay and get my suv fixed at the same time. Westlake said I owed them XXXXXXXX XXXX  and it was on me to get my suv fixed since they not taking over my warranty. U.S Auto Sales breached my contract by not covering my two warranty Ive been paying for. Westlake threaten to pick up my car if I cant pay them. I work for the XXXX XXXX  XXXX and I get paid twice a month. Without my car I wouldnt have a ride back and forth to work
Product: Credit card or prepaid card

Date of Transaction : XX/XX/2022 Amount Paid : {$820.00} I purchased a gas XXXX chainsaw. The item was poorly packaged and was received damaged in shipping. According to amazons return policy this particular item is not eligible to be returned ( due to it being a gas powered product ) instead it is eligible to be refunded or replaced if the item is received damaged or defective. When I contacted amazon they said they would not do either of those things and told me to contact the manufacturer. the manufacturer said that since it was damaged in shipping to contact amazon. Amazon again would not do anything. I opened a dispute multiple times with the amazon store credit card issuer Synchrony Bank. They have sided with amazon every time even though amazons response didn't pertain to the dispute whatsoever. Furthermore they would never contact me about the dispute via calls or emails the last time and let the issue lapse.
Product: Credit reporting or other personal consumer reports

This company failed to provide debt validation for this car loan and reporting on my credit from a company I have never signed any paperwork with.

If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Under 15 usc 1681e Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
Product: Credit reporting or other personal consumer reports

I am filing this report pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
After carefully reviewing my credit report, I have discovered several accounts and notations that do not belong to me or are otherwise inaccurate. 

XXXX XXXX XXXX XXXX XXXX$280.00} Account was not proven how it was verified please delete. Not mine no knowledge XXXX XXXX XXXX {$1500.00} Account was not proven how it was verified please delete. Not mine no knowledge XXXX XXXX XXXX {$630.00} Account was not proven how it was verified please delete. Not Mine No knowledge XXXX {$200.00} Never Late XXXX XXXX XXXX {$1600.00} Never Late XXXX XXXX XXXX- {$1600.00} Never Late XXXX XXXX XXXX UNION- {$800.00} Never Late These inaccuracies are XXXX XXXX XXXX XXXX rights under the FCRA, which ensures that consumer reports must be accurate, complete XXXX and verifiable. I have also filed an official complaint with the Federal Trade Commission ( FTC ), a copy of which is attached for reference.I am requesting an immediate investigation and correction of these errors, as well as written confirmation that these items have been addressed.
Product: Debt collection

Contacted National Credit systems multiple times in regard to this amount. The amount they are stating I owe is XXXX. Which is inaccurate in my first CFPB response back from the company they asked I provide information disputing the amount. I provided documentation proving the amount they are collecting is inaccurate. 
I sent them a letter as well via mail providing the emails as requested. Which were proving a lower amount of XXXX and I provided the documentation from state of California stating Fair Housing laws for California. 

I even said I have no problem paying a debt I owe however, the Management of this company is doing everything possible to instead report an inaccurate debt. 

Instead of responding accurately to my second CFPB complaint with the updated documents per their request. They flagged the complaint as duplicate vs updating the correct amount. The day after they send out a letter stating they are reporting the XXXX. Dollars even though they are aware the amount being collected is inaccurate. 

Ive also sent the requested documentation via mail as well. This company is knowing inaccurately reporting information. Also, this company does not reach out to the original debt owner to validate debt. I called today and XXXX XXXX Head Quarters stated they never received documentation from this company. Disputing my information.
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to reinvestigate my credit report. I do not agree with results. I was never late on a payment. I was informed by XXXX XXXX  i could extend payments due to hardship that would not effect my credit. Please see documents to prove my case. I am in good standing with XXXX XXXX
Product: Bank account or service

Bank of America reported me to the XXXX as a suspected fraud activity that had happen to my account which I did not know the check I was given was fraudulent. The company that I worked for went bankrupt and issued all the employees their final paycheck. I took the check I was given and deposited it into my checking account via atm thinking the check was good. When the bank processed the check they closed my account and reported me to XXXX for suspected fraud activity. Now I am forbidden to open any bank account for 7 years. I had no control over the pay check I was given cause I did not know the check was bad. I do not believe I should be banded from opening up a checking or even saving account from any other bank.
Product: Credit reporting or other personal consumer reports

THIS IS MY XXXX TIME REQUESTING THEM TO DELETE THE INFORMATION FROM MY CREDIT REPORT. I NEVER GAVE NELNET PERMISSION TO SHARE MY PERSONAL INFORMATION WITH ANY THIRD PARTY AGENCIES. THEY HAVE VIOLATED MY RIGHTS UNDER XXXX, XXXX CFR XXXX ; XXXX XXXX XXXX ; AND XXXX XXXX XXXX AND I AM REQUESTING THEM TO DELETE THE INFORMATION AND SEND ME COMPENSATION FOR THE VIOLATION.