23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A couple of years ago, we were introduced to Nationwide Biweekly Administration regarding a Mortgage reduction plan they were promoting. After speaking with them, they ensured us that there were no up front fees other than a {$3.00} processing fee taken from our bi weekly withdraw. They further stated that the key to the biweekly process came from XXXX bi weekly withdraws ( essentially paying 13 months instead of 12 months ). The process would include an initial debit that acted as a " deferred payment '' which they assured would, in its entirety, eventually go to our mortgage payment. In mid XXXX of 2015, we were contacted by Nationwide Biweekly and informed that for an unspecified reason, they could not pay our bank that month, that they were essentially dropping us until the problem could be resolved, and that we would have to resume making our own mortgage payments for that time. We inquired about the money already taken out for the month, and they affirmed it would be redebited to our account ( which it was, minus {$3.00} ). However, while recently researching making bi weekly payments directly through our mortgage provider, it came to our attention that Nationwide Biweekly had charged its customers a large lump fee up front, which we were told was not the case when we signed up. We then contacted Nationwide Biweekly and inquired about the alleged initial fee. This was the first time anyone at Nationwide Biweekly informed us of that fee. While she would not quote an exact monetary amount, she informed us that it was withdrawn from our initial first debit. Since Nationwide Biweekly failed to inform us of this fee, and since they dropped us prematurely ( prior to the completion of the mortgage pay off ), we wanted to know how to get that initial fee back ( since they originally told us it was a deferred payment that would go toward our final payment - which is did not, nor will it since they dropped us ). The representative told us it was non refundable, but upon further pressing, stated she was not able to answer that question and would transfer us to someone who could. We then waited on hold for approximately 45 minutes before our connection was terminated.
Product: Checking or savings account

On XXXX XXXX, I received an email from Simple Bank and was told my account is being closed. They will not allow me to pull the funds from my account and are saying they will send me a check at some time. They will not give me a time when the check will be sent. The account has always been in good standing.
Product: Mortgage

Good morning. 

I'm contacting you this morning, in the hopes that you will assist me with my loan modification - with Chase Bank. 

I have been in the review process, since XX/XX/XXXX and during that time, my file has been handled by a number of different points of contact, I have been asked to resubmit the same documents repeatedly and have been instructed on a 'one isdue at a time ' basis, throughout this entire process.

Chase has been questioning the same documents for two weeks now - they've asked three different questions to be answered, on my 2016 tax returns. All of these answers could have come on one conversation with them - however, underwriting continually comes back with new and more absurd questions. 

It's clearly obvious that Chase is attempting to stall this process and discourage me, at any cost,, from pursuing resolution of this problem. 

Last year, I had a number of financial setbacks, but those have been resolved and I'm more than capable of returning to on-time payment. I've attached the notes from my conversations with them and I look forward it to your assisting me with this problem. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my Equifax report, I saw that two addresses list are places that I've never lived Equifax Former Address XXXX XXXX XXXX XXXX XXXX XXXX IOWA XXXX Equifax Former Address XXXX XXXX XXXX XXXX XXXX WISCONSIN XXXX I have been a victim of Identity Theft, but wasn't sure what option to select when filing this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the improper use of my credit information. I discovered that XX/XX/year> inaccurate and misleading information. 

Section 1681n of the Fair Credit Reporting Act prohibits willful noncompliance with the Act. I believe XXXX, XXXX and Equifax has knowingly and willfully violated my rights.
Product: Debt collection

Requested documents showing my signature of me doing business with collection company lvnv funding llc Also requested licenses to collections in Massachusetts
Product: Debt collection

Received a notice on my credit report that I owe money to IC Systems. I have never heard of them nor have I received any bills for outstanding debt.
Product: Checking or savings account

I was an independent consultant for XXXX XXXX XXXX from XX/XX/XXXX to XXXX XXXX, XXXX. When I started with them they claimed they were hypoallergenic, as well as lead and nickel free. I purchased over {$10000.00} worth of product only to find out it is loaded with toxic substances. Testing came back Monday, XXXX XXXX. Showing not only was the product full of lead and nickel, but toxic levels of cadmium, antimony, and arsenic. 

They misrepresented the products I was buying from them. I called my bank on XX/XX/XXXX and was advised I could go back one ( 1 ) year on my claims. So I disputed all transactions dating back one year from XX/XX/XXXX to XX/XX/XXXX. I offered all the supporting documents to show the product was misrepresented but they said it wasn't necessary. Fast forward to XX/XX/XXXX they deny my claim stating it was past their statute of limitations which in Arkansas is 2 years. All my claims have been denied regarding the charge backs and I want them appealed. 

The merchant [XX/XX/XXXX] is the one in question. These are lab certified results showing the proof. We have repeatedly asked for their lab testing results and have yet to receive a reply. I have also asked for a refund from them and haven't received a reply either. This is an illegal pyramid scheme very similar to XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite raising the issue of these disputed accounts multiple times and consistently requesting thorough investigations, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action.

Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX XXXX, and 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 15 U.S.C 1681 a.1.a : States that any item that's being disputed must come off my credit report.
Product: Student loan

Just the beginning of this year I have received numerous emails from Great Lakes about my student loan is due. I have emailed them and called them letting them know I am still in school and have been since XXXX. Just today, XXXX XXXX, XXXX I received a letter stating my my forbearance has been approved and payments will start up again in XXXX. I have had this problem with them every year
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw a trade line for XXXX XXXX for an account that has already been staled by my insurance company and I paid my co-pay of {$75.00}. 

Confirmation number for payment to be verified is XXXX. 
Account # with XXXX XXXX : XXXX
Product: Debt collection

Portfolio Recovery is reporting an account for XXXX XXXX in the amount of {$590.00}. I am not familiar with this account and have sent several letters over XXXX plus months to Portfolio Recovery requesting them to validate that this is my debt. They have not responded.
Product: Credit card or prepaid card

American Express is violating my rights per my previous cease and desist. The alleged debt collector is still attempting to collect a debt, which I requested in the Cease and Desist submitted on XX/XX/22 by reporting my current balance to the credit furnishers ( XXXX, XXXX, and XXXX ). American Express is also limiting my usage on my open ended line of credit, I am unable to utilize my extension of my open ended credit obtained using social security card that American Express is claiming I owe them, that's the clearest definition of identity fraud. This is causing stress in my personal life. Violations include 15 USC 1692g, 15 USC 1666b, 15 USC 1602L. This account is prepaid and should never be reporting to the credit furnishers with a balance, or as late for any reason.
Product: Debt collection

XXXX XXXX XXXX has called my employer and multiple family members. I've asked them to stop contacting me and my employer and they have not stopped. They have threatened with legal action and wage garnishing. They have harassed my parents, siblings and employer repeatedly.
Product: Credit card or prepaid card

I had a scheduled payment on XX/XX/2022. I was notified by Amex that the payment on XX/XX/2022 was returned due to insufficient funds but that no action was needed from me because they would make another attempt. I was then charged a {$29.00} Return Payment Fee. I was surprised because it never happened before. And there were funds in the paying bank. Later the payment went through with no issue. 

I contacted American Express for a refund of the {$29.00} Return Payment Fee. But the agent XXXX from Website Chat told me that he could not help me in any way that I should contact Customer Service by phone. I called American Express, and the agent XXXX told me the fee was charged by the paying bank and she could not do anything at all and that I should contact the paying bank for reimbursement. 

I then contacted the paying bank, XXXX, the representative told me that XXXX did not charge any fee in the process and I should be contacting Amex. 

I am really disappointed in Amex agents scripted answer and basically it was a lie and very misleading. They would not provide any help and just wanted to turn me away. I do not think this charge should be on me or the paying bank, XXXX.
Product: Checking or savings account

I have Positive Pay for checks enabled on my account. This means that no check should be able to be cashed without my prior approval. I have had 10-15 fraudulent checks attempt to be cashed in the last 2 months. All of them have been rejected, until now. 

On XX/XX/2021, two fraudulent checks were cashed for {$9500.00} and {$4200.00}. I received no notification for these and did not approve them. 

On XX/XX/2021, I noticed these checks and called Chase customer support. Technical support told me that it was a bug on their end and the checks should not have been cashed. After an hour and six cold transfers, I was speaking to the check claims department about reversing the checks. After questioning from the agent, he put me on hold and hung up on me.
Product: Payday loan, title loan, or personal loan

XXXX XXXX with XXXXXXXX XXXX deposited a {$850.00}, which I was under the understanding this was a loan if {$800.00} with a finance charge of {$58.00}, so with me applying for a loan and in need of funds, I withdrew {$500.00} from my Truist Checking account! 

XXXX XXXX returned the {$850.00} check from my Truist Checking account, with no explanation to me, thus putting my Truist Checking account in the negative of - {$550.00}. 

Centralized Fraud Operations Truist Enterprise Fraud Management sent me correspondence on XXXX stating the check that was deposited in my account on XXXX was returned due to the check being Altered/Fictitious Item. 
Why would Truist Bank allow this to happen to one of their customers? ( Case No : XXXX ) I would expect either a refund in the amount of {$850.00} from Truist Bank for allowing this to happen to a customer, or XXXX XXXX for depositing an Altered/ Fictitious Item in my Truist Checking account! 

Thank you very respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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
Product: Credit reporting or other personal consumer reports

THERE IS INFOMATION ON MY CONSUMER REPORT THAT IS IN RESULT OF A DATA BREACH. I WOULD THE THE FOLLOWING ACCOUNTS TO BE DELETE ASAP FROM MY CREDIT REPORT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021, I submitted an application with Alliant credit union for their Visa platinum rewards credit card. Initially, I got message that I was approved for {$2500.00} of credit pending submission of documents about my residency status. 
I've been in the XXXX for over seven years now, initially 5 years on a XXXX visa and now I'm in XXXX of 6 years in XXXX status. Because the visa needs to be extended after the initial XXXX period, Alliant denied my application, arguing that I had less than XXXX year left on my visa. Because the visa is only going to be extended at the end of the first XXXX period, I'm not able to provide a " proof of extension '' that was requested by Alliant until XXXX. 
While it is lawful to consider immigration status to determine credit-worthiness according to the Equal Credit Opportunity Act ( ECOA ), Alliant stated that they generally do not lend to applicants with short-term immigration visas or work visas that don't have enough time remaining. This practice does not adequately consider that XXXX visas are usually extended up to 6 years ( at the end of the XXXX period ) and often result in application for permanent residence, not does it consider community involvement/duration of residency and thereby the applicant 's likelihood of repayment. 
In Alliant 's case, they don't even use residency status to factor it into their loan decision, but generally exclude applicants based on residency status, which is a clear violation of ECOA.
Product: Credit reporting

I start making payments to XXXX XXXX on XXXX/XXXX/2012 to XXXX/XXXX/2015 on time for the amount of {$100.00} a month, and XXXX funding they said that already report all payments on time but is not in my credit report I want Experian credit bureau to credit my report pay as agreed for all payments I have made ontime to XXXX XXXX.This account was charge off by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquiry on my credit report that I didn't do its not mines I didn't do it its not accurate, its not verifield and its not authorized and I want it removed asap its from jpmcb and its showing up on XXXX
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 # XXXX Account name : XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct. XXXX, XXXX XXXXXXXX XXXX Acct . XXXX, XXXX XXXX  Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX Acct, XXXX, XXXX XXXX XXXX XXXX  Acct. XXXX, XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Bankruptcy Discharge Acct # 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 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: Debt collection

Your disregard for my requests is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates investigation of incorrect information. Failure to comply with the FCRA can result in legal action, penalties, and liabilities. I am notifying you of my intent to pursue legal action against your company for failure to comply with the law. Despite numerous requests, you have not investigated or removed inaccurate information from my credit profile as required by law. 
Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$2000.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$6100.00}, {$2400.00}, {$6000.00}, {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 4. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

11. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

12. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.
Product: Vehicle loan or lease

I have a vehicle lease with XXXX XXXX where I make a monthly minimum payment of {$320.00}. I have gone through a really deep financially hardship since XX/XX/XXXX and have been late on several payments. Also, I am new to credit and did not know that these late payments would be going on my credit reports.

The dates of the late payments include : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have several inquiries that was placed on my credit report from XXXX, equifax, & XXXX. I have contacted all 3 agencies to let them know that I did not apply for credit at any of these places. I have been ignored by one of them and the test explained that they did verify which Isa lie because I never authorized nor signed any statements giving permission to pull my credit report
Product: Payday loan, title loan, or personal loan

The company Affirm allows you to purchase products at a retail store and pay in installments with interest. I purchased 2 items on XX/XX/2021. The interest for the loan is % XXXX. On XX/XX/2021 I returned one of the items, significantly lowering my balance on the loan. I am charged biweekly with interest on the loan. Despite returning part of the order 7 days after acquiring the loan, the return is still not showing on the account 3 weeks later. When I called Affirm they said it may take 45 days to process the return- which also means I will pay interest on the loan despite the fact that part of the product was returned- this affecting the amount due.
Product: Credit reporting or other personal consumer reports

I am writing to formally escalate an ongoing issue regarding the presence of fraudulent items on your platform. Despite my previous attempts to address this problem, there has been no satisfactory resolution, and the fraudulent items continue to reappear. I am extremely disappointed with the lack of action taken to address my concerns. This situation not only affects my experience but also undermines the trustworthiness of your platform. Please respond within the exact timeframe. If this issue remains unresolved, I will be compelled to seek assistance from consumer protection agencies and consider legal options to ensure this matter is addressed. The following items should be remove as soon as possible : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1100.00}.