23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was sent to foreclosure while working with my mortgage company in XX/XX/2016. I do not want my loan to go back into foreclosure. I was unemployed and not able to pay my mortgage XXXX XXXX. I got in touch with my mortgage company. I was told to submit information to XXXX. I was denied but started a new job. In XXXX, I was then told to work with another department in mortgage company for options on bringing my loan current. I submitted the paperwork as requested and my loan was sent to foreclosure XX/XX/2016. I was told to wait and not make payments because the mortgage company was working with HUD on my loan. In XXXX, five days before my house was to be sold, I was told a claim would be filed with HUD on my behalf. I was to make payments starting XXXX. In XXXX, I received the claim paperwork which listed my mortgage as 9 months behind. From XXXX is only 7 months. The payment I made XX/XX/2016 is being held in suspense. The information in the document I received from an attorney regarding the HUD claim states if I default on my mortgage loan the exasperated figure must be paid immediately. I pay mortgage insurance with my loan as well. This document also states that I give over the right to sale my house. I called the attorney and no response. I contacted the mortgage company and they are not being honest. My loan should have never went to foreclosure in XXXX. I fear it will go back into foreclosure before this is resolved. I only want to pay my mortgage. I was going on their advise but was never given the option of just paying the money owed. Now the numbers are exaggerated and I am only being given the option of filing a claim with HUD.
Product: Vehicle loan or lease

XX/XX/XXXX I started a vehicle loan with American Credit Acceptance , LLC. The amount of the vehicle loan was XXXX, interest rate of XXXX, monthly payment of {$770.00}. {$500.00} downpayment was required. Completing this COMPLANT found a form in the stack of sheets stating at the end of this loan the total amount paid will be $ XXXX was not stated to me during the initial transaction. Today the loan is only down 2 % with a balance amount of XXXX. In XX/XX/XXXX I contacted the loan company due to financial hardship due to XXXX in hopes of refencing the loan. During this call I was informed that the company does not offer refinancing and that I would have to figure that out on my own with a different company. I tried to refinance with a bank and other company not luck because of my debt to ratio due to having this vehicle. After not being successful with refinance I did reach back out to American Credit Acceptance in XX/XX/XXXX inquiring of refinance and was told again the company does not offer refinancing. I tried to go on the portal for my payment history-it 's not available anymore on the portal. During a call XX/XX/XXXX I called to make arrangement for a payment per the rep suggesting for me to " pay extra to go towards the actual loan '' Also, during this same call I asked that my payment history be email to me, I was told it would take XXXX hours- I have not received the history as of today This has grown into affecting my health and credit, I do not feel the loan was given with expectation of being paid successfully.
Product: Checking or savings account

From XX/XX/XXXX to current statement XX/XX/XXXX I've been being charged not only overdraft fees but also Insufficient funds in the same transaction. They have never one time actually cover an overdrafted item for me but still charge both for someone even trying to collect an ACH and also debit transactions. The total amount is {$480.00}. I've contacted Banner on XX/XX/XXXX, XX/XX/XXXX on the chat online and by phone. Also, I cancelled my XXXX XXXX  XX/XX/XXXX. They still tried to get payment of {$6.00}, and i didn't have enough funds. Banner bank didn't pay but had charged {$30.00} for Insufficient funds and for Overdraft on the same items {$30.00} Totaling {$180.00}. I have proof that i cancelled my XXXX XXXX. And XXXX even credited My account back the {$6.00} they received the prior billing cycle. Banner Bank says XXXX owes me the {$180.00} and won't credit my account even though I have a cancellation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters was sent on XXXX XXXX requesting to freeze file and I havent received a response
Product: Credit card or prepaid card

XX/XX/XXXX Called requested to speak with THE ONE AND ONLY DEPARTMENT that can resolve ID theft FRAUD. I have been trying to resolve since XX/XX/XXXX TO NO AVAIL. USAA BLOCKS contact with. Only department that has the power to RESOLVE FRAUD. The USAA reps customer service CAN NOT CONTACT EXECUTIVE RESOLUTION TEAM to relay my issues. This department REQUIRES DEEP SECURITY WITH TEXT VERIFICATION CODES MY XXXX  XXXX  CAN NOT DO. I must have a stranger or a neighbor I find outside that HAS NOT LEFT FOR WORK YET pay them to write down text codes so I can get verified. THIS ONE ONLY DEPARTMENT IS NOT OPEN WHEN OTHER PEOPLE NOT AT WORK. ( ** ALL USAA DEPARTMENTS NEED TO T A L K ... .. to .... EACH OTHER. ) USAA PLAYS CONSUMERS BLOCKING CORRECT DEPARTMENT RESOLVE. I have relived IDTheft to reps THAT HAVE NO POWER and who do not send my message to the department for 2 years now XXXX  XXXX  and XXXX  XXXX XXXX. PLEASE USAA STOP THIS UNFAIR BUSINESS PRACTICE TO SAVE PROFIT DENYING. FRAUD CLAIMS with No Contact to ONE ONLY DEPATMENT OF RESOLVE. SPEAKING TO THE ONLY USAA REP AVAILABLE SHOULD BE SUFFICENT TO. HASSELFREE RESOLVE OF FRAUD.
Product: Debt collection

I have a collection on my report for an apartment that i did not live in. The information reported is affecting my credit score negatively.I have never lived in this apartment. I contacted the agency, they have no record of me and its still on my credit report. I want the company to provide, my signed signature an documents for this apartment. If they can not provide me with this info, i want this removed from my credit report at XXXX, XXXX, and XXXX immediately.
Product: Bank account or service

XXXX I deposited XXXX checks via mobile banking from the same person - {$250.00} and {$1300.00} ( rent ). 
On XXXX, there was a reversal on the {$1300.00} deposit - which I was not aware of. Therewas no notice via mail/email/text - NOTHING. 
On XXXX, I found out about the reversal only by chance to review my account. 
I called, no one can figure out what happened. Only after I called, the bank sent a letter. 
On XXXX, received the letter. stating that the check was refused due to " duplicate presentment ''. I immediately confronted the person writing the check, she showed meon her mobile banking that the check cleared and check copy was identical to whatI have on hand and no money was being deposited back into her account. 
I communicated this to Bank of America and they kept insisting that they did not get paid, therefore they are not putting the fund back into my account. They told me to get theother institution to provide backup showing proof that they paid Bank of America. 
On XXXX, I received a backup ( attached ) and faxed it over to Bank of America. 
The other institution ( XXXX XXXX XXXX ) stated that they paid Bank of America andthe backup provide a trace number that Bank of America would be able to track. 

I had been calling every few days since XXXX, but nothing came out of this other than, '' get the other institution to prove to us that they paid us. " I could not get anyone at Bank of America to go beyond the phone call and actuallydo a research and give me an update. 
In the meantime, I do n't have the {$1300.00} in my bank and the other person is already out {$1300.00} out of her bank. Someone has this money and not fessing up. 
This money is for rent and being a homeowner having to pay for mortgage with norent in the bank is very tight. 
Bank of America did return the {$12.00} return fee, but it does not compensate for the time I had to spend calling ( numerous calls ) and the other person having to take days off workto take care of this at her local branch. 
Today is XXXX and nothing is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of the Equifax hacking scandal, I was told that I might be impacted. As such, I 'm filing a complaint against Equifax for how they handled this situation and how they have not offered any sort of services or help for those who might have been negatively affected by their blunder. It 's the height of unprofessionalism and hardly seems legal that something like this should be allowed to happen without certain safeguards in place or without providing information on how to deal with this problem. Additionally, the fact that enrolling in their Fraud Check report system means waiving the ability to sue them down the road seems highly suspicious.
Product: Vehicle loan or lease

credit acceptance gave me an interest rate of 29.9999 %. they would take double payments in XXXX month, would not work with me if i missed a payment which i never did. wouldnt refiance my vehicle to make interest n payment lower. said i owed more money than what i acutally did when i traded in my vehicle to get out of loan. horrible company.terrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$24000.00} XXXX XXXXXXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that the following account be verified or removed immediately. 
A XXXX Date Filed XX/XX/2016 Type Bankruptcy : Discharged CHXXXX Reference XXXX Plaintiff
Product: Money transfer, virtual currency, or money service

I initiated my Wise account balance withdrawal to be transferred back to my checking account. 18 days later, Wise hasn't transferred my funds yet. 

I reached out to their customer support several times via a phone and email and they always said they were " running some checks '' on my account which should not take longer than 10 business days. They promised to escalate the issue several times without any difference. 

How is it possible to block withdrawal of my own funds? This is not an international transfer that should be verified, the funds are supposed to go back to my credit union checking account. 

Here 're the details available on my Wise account : XXXX XXXX - You set up your transfer XXXX XXXX - You used your XXXX  balance We're running some checks Sorry for the wait we need a bit more time to process your transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed my letters to Transunion, XXXX, and XXXX explains to them how they have broke my consumer rights and exactly what inquiries and accounts need removed from my consumer report. It has now been well over 30 days and I have still not heard anything from anyone of the credit bureaus listed earlier. This is another violation not replying to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Checking or savings account

On XX/XX/2021, I received a notification that a XXXX payment I made was denied and when I tried to log into the account, it was blocked. I called the bank to unblock the account and they notified me that unfortunately the bank decided to close the account due to alleged " fraud '' and told me that I had to go in person to a branch with the invoices of the transactions made to my account within a week to verify that it was not fraud. I explained in the call that at that moment I was not in the country and that it was impossible for me to go in less than a week, that if they gave me more time I would gladly go with all the proof they were asking for, but they told me no and if I did not show up, they would close my account. 

The week passed and they closed my account and notified me that they would send the check with the funds ( XXXX USD ) of the account to my registered address within 5 to 7 business days, which they never did, and every time I called they repeated the same thing and to date they have not given me anything, and they only repeat the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have enclosed a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice XXXX XXXX XXXX XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. 
Please send me copies of all records relating to the account, including : Please send me a letter explaining what you have done to : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Provide me with the records I request Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting validation and detailed verification of these items. Specifically, I require : 1. Complete documentation showing you have verified the accuracy of these items with the original creditor, as required by 15 U.S.C. 1681i ( a ) 2. Copies of all pertinent information relating to these items, including but not limited to - Original signed contracts or agreements- Account statements showing the alleged default - Documentation of assignment/transfer if debt was sold - Proof of your legal right to report this information - Documentation of all dispute investigations conducted XXXX as XXXX Sc. 1681eures to assuremarimum possieaecuraey Please note that under 15 U.S.C. 1681 ( a ) ( 1 ), you are required to : - Complete your investigation within 30 days ( 45 days if I provide additional relevant information ) - Forward all relevant information to the furnisher - Report the results to me - Provide a free copy of my credit report if the dispute results in a change If you can not provide complete verification and validation of these items within the statutory Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has listed XXXX XXXX on my Credit Report for several years now. It also has me acquiring this card in XXXX XXXX. I didnt acquire any cards or credit during that period. My report consistently shows XXXX Applied accounts on my report. They both have the same account numbers but show XXXX different balances. It has remained on my report for years and I have questioned this account. Its clear the Credit Bureaus dont do a thorough job of checking for accuracies. How would it have been possible for me to have XXXX accounts with different balances and the same card number? I was an XXXX Representative during XXXX, but I dont recall having a card. I was greatly affected by XXXX Financially. Why hasnt this Bogus information not yet been removed from my report? I have the credit report information from TransUnion show the same incorrect information listed for XXXX conflicting amounts for a card ending in the same number..??
Product: Debt collection

The debt collector listed have reported debt to my credit report without providing the legally required notices under the FDCPA. I have never received any written validation of the debts or proof of their right to collect. These actions have harmed my credit profile and caused undue stress. I am requesting validation of these debts, including proof of notice, tracking numbers, and legal agreements showing their right to collect. These derogatory accounts have lowered my credit score, making it difficult to access essential credit opportunities. The lack of proper communication has caused undue stress and confusion.
Product: Credit card or prepaid card

I have a Goodyear credit card issued by Citibank N.A.. I made a purchase of Goodyear tires from a Goodyear authorized service center on XXXX XXXX XXXX. Displayed prominently in the store, were advertisements for the Goodyear Credit Card mentioning 6 months no interest on purchases of {$250.00} or more. My purchase amount totaled {$740.00}, so I was very surprised to discover that interest had been charged to my account. The advertised terms of the promotion are as follows. Special Financing Plans 6 months no interest on purchases of {$250.00} or more. Interest will be charged to your account if the purchase amount is not paid in full within the qualifying number of months. Minimum payments required. Goodyear Credit Card Special Financing Terms & Conditions With credit approval for qualifying purchases made on the Goodyear Credit card at participating stores or on XXXX I contacted Citi on XXXX XXXX XXXX and explained what had happened. I was told that the promotion was not properly applied at time of purchase, and there was nothing that they could do to correct the issue. As I mentioned, advertisements for the no interest promotion are displayed prominently in the store. Similar ads are featured on the Goodyear website, as well as on the credit card statements I receive. There is no mention of a promo code in any of the marketing materials advertising the promotion. Therefore, I dont understand how the promotion would not have been applied when I made the purchase. As I mentioned, I purchased at least {$250.00} worth of Goodyear tires from a Goodyear authorized retail location. I have had this card for many years, and have never had an issue with promotions in the past. In addition to the call on XXXX XXXX, I have contacted Citibank two additional times using their online system. The first message was on XXXX XXXX and the second was on XXXX XXXX. I have yet to receive a response. I feel that Citibank is intentionally avoiding me in hopes that I will not take further action. The representative on the phone made it very clear that Citibank was unwilling to help. I find Citibank and Goodyears promotional marketing to be deceptive, and would appreciate any assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.