23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Not sure if you handle these ; Its a Money Network Debit/Checking that XXXX loads weekly benefits on. I used the card XXXX dozen times, XXXX just loaded another XXXX weeks ( was @ $ XXXX weeks just deposited on XXXX @ {$6000.00} ). Went to use today at XXXX ATM ( same ATM used before ) and ERROR. Tried XXXX other locations and Error/Invalid. Its like this account never existed or has been completely removed. Spent over XXXX hours trying to contact ANYONE at Money Network ( # on back of card XXXX and another XXXX # from XXXX search ). Today, XXXX and XXXX minutes on hold, phone battery died. I tried to set up online account by entering XXXX XXXX # and Exp dates, card does not exist. XXXX response, 'We are not responsible for any money disputes between Money Network and myself '. Unable to contact ANY human at Money Network and eventhough XXXX chose this Financial Institution ( there is no option to choose other banks or my own ), they stated nothing they can/will do. Took 6 months and many many hours to win/get this very needed benefits ( I was fired with untruthful reasons, no final paycheck, Pretext, filed XXXX wage theft with employer/landlord, living out of truck since XX/XX/year> ) and now its gone and no one to answer for it. Where did it go, why is this active, just used, XXXX XXXX account just vanished and/or doesnt exist? There has to be some entity, financial institution, ruling body, that handles this. That {$6000.00} was a make/break me point in my life. Im truly devistated after waiting for this since XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several request for Experian to remove a number of items from my consumer credit report, Experian has refused to remove a number of my request. Experian removed a few of the items after not being able to verify them. I am still struggling with them about certain items. I recently sent proof of my identity theft report as well as the laws stated/backed by FTC about removing/blocking items at the request of the consumer who is a victim of identity theft. I will submit my proof here as well as I am seeking my fair right as a consumer to have these items removed. The items are XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone was suppose to remove these inquiries.
Product: Checking or savings account

My problems started when my husband died in 2010. 
Multiple XXXX XXXXXXXX XXXX cards came to me. Despite paying them off and ending them, the institution wanted to send me more. 
After that, I had a XXXX advisor with contraindications involving my accounts. 
I had a life insurance policy cancelled due to many people finding out my info. It was also after I broke up with a relationship. Much of my data got out. XXXX was a large part. As well as dating sites. 
Then my XXXX accounts were found covered up by a translucent page of beneficiaries not mine. I then switched to PNC. Where I havent be able to have any control over my cards or accounts. Im lacking support through the entire affair. 
I had many suitors that came up online which was irregular. Thats mostly it but I also had security systems involved that had someone gaining access, and into my home. I actually have a letter into my fiduciary advisor and their fraud team. I havent heard back. I also lost my family, friends, coworkers, job, neighbors as well. I dont know what happened. Any help is appreciated. 
XXXX XXXX XXXX
Product: Vehicle loan or lease

A lot has happened with this matter, so I am summarizing in short to get the process started and reserve the right to clarify and provide a more detailed response, as needed. Some items were resolved so not going into much/any of those. 

In my opinion, my experience and perception suggest that Stellantis and Stellantis Financial have not been ethical in dealing- I think there is a conflict of interest and has cost me, as a customer, financially. 

In short, I wanted to lease a XXXX with Stellantis ( XXXX XXXX, as the dealer ) and was not given an option with the finance company, where I was told I would be going with Stellantis Financial. 

Only some issues, as follows : - Had issues receiving the XXXX at the onset ( XXXX sat at " the yard '' for weeks/no movement ), the XXXX wasn't detailed ( e.g., packing adhesive still on vehicle ), there was chipped paint, had to pay for extension of registration as a result -The XXXX was delivered with more mileage than the contract. When I questioned, told it would be corrected and never was. Folks from XXXX XXXXStellantis shared that the finance company requires the contract to be under 500 miles otherwise it " throws up a bunch of red flags, '' although I was assured it was in my best interest. I dont see how that's the case. From my perspective, the contract was falsified -The contract didn't state any stipulations in terms of over-mile charges or alike. I was contacted a week later ( after I took possession of the vehicle, provided {$5700.00} down/they cashed the check ), they shared I dont have a contract and they need to make changes to the contract and I needed to initial those changes -- otherwise I don't have a contract and they would need to take the XXXX. They said the Financial Services company said they will not book the loan. Financial Services company said this was not the case. Not sure what is accurate. 
-Lease booked with incorrect due date vs. what was state on contract. Representative XXXX XXXX XXXX told me she could only make that change if I paid another payment with her over the phone. I told her I have auto-pay. She made me make a payment anyway. Auto-pay then took out another payment days later. 
-When attempting to work directly with Stellantis and Stellantis Financial directly, emails and phone calls are ignored, wait times to speak with a manager ( if at all ) vary from 30-60 minutes ), promised return calls have not been returned. After 4-5 of these experiences over 45/60 days, I can only conclude that this is their tactic to ignore customer complaints. 

I personally believe that Stellantis and Stellantis Financial have a conflict of interest, as they are doing the right thing for themselves ( my experience/examples above ), but not the right thing for the customer/client. This whole situation has not only taken 10-12+ hours of my time, much frustration, and a financial impact/loss. 

XXXX XXXX ( Stellantis Corporate ), XXXX ( manager ), XXXX XXXX XXXXXXXX XXXX manager ) all have been unresponsive to providing explanations and resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
CXXXX 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 XXXXXX/XX/XXXX
Product: Checking or savings account

In XX/XX/2020 I allowed my friend deposit her unemployment back paying my accchecking @, fifth third XXXX XXXX XXXX ind.XXXX I then went and withdrew it XXXX XXXX of her money in cashier XXXX and the remainder of her dep she had owed me were I gave her personal loan of XXXX inXXXX so the other XXXXshe payed that bk to me and the fraud dep said they wasclosen my acc and sending money bk to unemployment stating fraud well there was nofraud but the fraud lied they never sent money bk I called president of bank XXXX and I got letter in XXXX from him stating they closed my acc which was pose be closed in XXXX and XXXX the money was still in my accent just now said closed and haven't give my money bk they never sent no money into unemployment and didn't release it to me and I demand my money there saying I had no money in my acc yes I did I have proof also. XXXX XXXX plz help me
Product: Vehicle loan or lease

During the XXXX of XXXX I was locked in on XXXX  down with contract cavana racially profiled me discriminated canceled my order and my terms went to XXXX down after my vehicle was suppose to be delivered on the XXXX o loss XXXX dollars to insurance
Product: Payday loan, title loan, or personal loan

I really dont remember the date but it was around maybe XXXX or XX/XX/2020 and I took out a loan and I came the following month and pay the entire lawn and I thought that was it a month later I get a call and the lady from the California check cashing Place in XXXX California told me I still owe {$32.00} and I was just blown away because Ive never had to deal with anything or anyone like this and now Im being harassed by whoever they turned it over to creditors I was a disrespected Im just not understanding whats going on here they act like gangsters predators
Product: Mortgage

I applied for a loan modification last year in the month of XXXX, the company Freedom Mortgage after verifying that they received my documents never completed the process. I called the company over and over for the status of the modification in which they just never processed it. After a almost a year of waiting for them to do something, the delinquency reached a whooping {$15000.00}. Around this time I had to reach out to XXXX XXXX for assistance to save my property from foreclosure in which they assisted with the debt. Freedom Mortgage gave the city the wrong payoff amount to cure the problem thus leaving a remaining battle to become current. Again after receiving these monies they requested that my documents were missing and to apply for again with updated documents which I did. Up until this very date they still have not started the process of modification and the balance is again rising. The company has also sent me a demand letter for the past due payment and are threatning foreclosure. Freedom Mortgage has shown gross negligence in this process and I am looking to seek legal counsel to consider a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending in the Formal Complaint because there is an account that should not be posted on my Consumer Report. As per the Fair Credit Reporting Act 15 USC 1681a Under exclusions ( B ) anything that was extended or authorize from a credit card should be excluded from my credit report. 
It says : ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; According to the definition of credit card under 15 USC 1602 ( l ) Credit card- 15 USC 1602 ( l XXXX The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit..

Furthermore, as per 15 USC 1681 ( a ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I also had had a conversation with the companies and it was stated that they did not follow the protocols in the laws above and that they would not assist me based on the law but by company protocol. And if I had a problem based on the law I could not speak to legal department but would have to hire an attorney to do so. 

Please assist me in having the following item removed from my Consumer Report as the Law States that it should not be there to begin with. 


Account Number : XXXX Creditor Name : XXXX XXXX XXXX Industry Type : Other Collection Agencies Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone : Amount Delinquent : Account Balance : {$710.00} Payment Status : Collection/Chargeoff Creditor Preferred Contact : Other Consumer Statement : Placed for collection Thank you for your Assistance.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX & CREDIT KARMA are reporting inaccurate collections on my credit report. The same account is being reported twice on my credit report and has caused my credit score to decline significantly.

FTC laws states that this is a violation of consumer rights and the CFPB has recently filed a lawsuit against these credit bureaus for reporting these inaccuracies. 
Below are photos from the three agencies. 
XXXX is uploaded as a single entity and Credit Karma contains my XXXX credit report
Product: Mortgage

I received a tax bill in the mail, and it was not marked " to be paid from escrow '' which it should be. I attempted to contact my mortgage company - HomeTown Lenders , Inc. First I emailed them the issue, with a copy of tax bill, and when I didn't hear back, I tried calling, their phone was out of service, I tried to contact the local broker, and he also never returned calls/email/text messages. Today, XXXX XXXX, I once again went to reach out about tax bill, as well as to pay my mortgage payment due XXXX XXXX, and the HomeTown Lenders website hometownlenders.com / XXXX has been suspended. I again tried every phone number I had for them and all are disconnected or out of service. Tried once more to contact local broker still no response. I am not sure what to do now - I have no place to make a payment and do not want to be late .... 

Looking online, HomeTown Lenders seems to be out of business, I have had no contact from them since XXXX.
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # 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

I acquired roughly {$5000.00} of debt in XXXX. Within the last couple of months, now in XXXX, payments are being withheld from my paycheck from Transworld Systems , Inc. My tax returns from the last 6 years have been withheld amounting roughly {$6000.00} because of this. I just received a bill stating I still owe roughly {$8000.00}.
Product: Debt collection

They call me 10 plus times a day every single day starting at XXXX XXXX., they will call me from private numbers they will also call me from random numbers that say COMENITY Bank, also whenever I answer they hang up immediately so it's impossible to talk with them. I have screenshots they call me over 60 times a week.
Product: Checking or savings account

Claim was denied in 6 days, and no information was given on why it was denied even though I asked them numerous times for it Arrived in XXXX XXXX this past month, was going to the ATM and was confronted by XXXX XXXX XXXX They forced me at XXXX XXXX  to give them my wallet and phone, basically everything with me. They then had me take them to my XXXX where they held me XXXX that week while they emptied my bank account. Once I arrived back to the USA, I reported everything to my banks/credit companies. Every company felt sorrow and compassion for me and was able to get reimburse for the lost money. Only one company denied my claim which was Current Bank. Its basically saying I should have not given them my pin and XXXX  over this. I feel like they dont care what even happened honestly. I feel like my life would cost more but they didnt. They denied the claim so quickly I was shocked. It was really disappointing and frustrating that I almost XXXX and my own bank I use doesnt even care.
Product: Credit card or prepaid card

I applied XXXX XXXX American Express Card in XX/XX/2018 and got approval from American Express. According to the term and conditions of the card, I would get XXXX XXXX XXXX  Bonus Points after I spend {$1000.00} in the first 3 months of Card Membership starting from the date my account is approved. However, I was denied to be offered the XXXX XXXX XXXX Bonus Points after I spent over {$1000.00} within the first 3 months. I was told that it was because I applied the card before. But, in the promotion, the program did NOT indicate that applicants who had the XXXX XXXX   American Express Card before disqualified the Bonus Points. 

I was told when I called American Express Cards to complaint that the requirement that applicants who should not have the XXXX XXXX American Express Card before to receive the Bonus Points was in small print, which people would normally not be aware of. I think there would be many people like me who spent over {$1000.00} on the card within the first 3 months and was denied to be offered the Bonus Points. I spent the money on the Card, but I did not got what I supposed to get. The Company is misleading and cheating consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple items that is being reported inaccurately on my credit report. And have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

XXXX XXXX  {$120.00} XXXX XXXX XXXX  XXXX was taken off my report and placed back on with a new age XXXX XXXX {$1200.00} XXXX XXXX which is inaccurately reporting TWICE XXXX XXXX bank card which is reporting TWICE inaccurately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is reponse to an initial complaint, company has stated it will follow up within 60 days but it has already been 76 day since my initial request. 

It is very important that this information on my report is corrected immediately. it has been 76 days since my initial investigation request. According the law investigation take up to 30days. Due to this delay Ive been rejected housing and will pursue legal action for my compensation. 

I regret that I will have to take such action.
Product: Bank account or service

I bought an investment home the rent was supposed to cover my mortgage right after I closed on the property I was denied access to the property due to a forged deed.I made a title claim I explained to Wels Fargo and told them I ca n't pay the mortgage due to the fact that I ca n't rent out the house.I was told not to worry that I should not pay Wells Fargo and it will not ruin my credit today im a victim of fraud and now my credit shows a whole bunch of missed payments due to the mishandling of wels farg.I have reached out to Wels fargo many times and the they promised to remove the late payments from the credit reporting agencys
Product: Credit card

I received an email that Best Buy visa card has not recieved my payment and my account is past due. My account has always been set up for auto pay but they failed to take their payment and charged me a late fee because of it. I immediately called the company to find out what is going on, as I had the exact same problem with them a couple months ago when the failed to take their auto pay but did not and they charged me a late fee. The first time it happened they credited the late fee but the second time they refused to credit the late fee. The reason there was a balance on my account was because they charged a late fee which I should never have been charged in the first place because my account is set up for auto pay. Since they refused to credit my account, I told them fine, I'm closing the account and I am not paying their late fee which should never have been charged in the first place. They confirmed that my account is indeed set up for auto pay but they could not explain why they failed to take their payment, this is not my fault it is theirs and this is a very unscrupulous business practice. This is the 3rd time I'm having to complain about this company.
Product: Debt collection

account XXXX account balance : {$330.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law.

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Debt collection

Keep calling my phone and having unknown people coming to my home and just threading me on a regular basis.This company is call XXXX XXXX
Product: Debt collection

Deactivated my car whenever I was a day late making a payment, causing me to miss work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX To Whom it may concern, This letter is a follow up to my original letter dated ( XX/XX/XXXX ) regarding an inaccuracy in TransUnion, LLC credit reporting. specifically as it relates to credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 6. XXXX XXXX XXXX Date : XX/XX/XXXX 7. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX 9. XXXX XXXX Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make an inquiry and view my credit report. This is a violation of the fair credit report act section 1681b ( c ) and a serious breach of my privacy rights.