23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Amex 04/02/2022

Ally Financial 09/04/2022

Chrysler CapI Tal 09/04/2022

Capital One uto fin 09/04/2022

Nccinc/Naple tons north 09/04/2022

Ally Financial 09/08/2022

Discover Fina Ncial Ser 04/21/2023 

JPMCB card 09/23/2023 
 
Esb/Harley Da vidson cr 01/10/2024
Product: Vehicle loan or lease

Lost my job due to covid. They wouldnt let me defer payments or lower my payments. I have unable to get unemployment. Just received my backpay and they repossessed my car. Told me I have to pay what I owe in full plus interest and late fees and repossession fees. Theyve been calling me 100 times a day non stop back to back everyday.
Product: Checking or savings account

I was never informed to begin with, and my father was the one who got the initial alert that my account was overdrawn. On XX/XX/2021, there were XXXX separate {$1000.00} withdrawals from my account via XXXX XXXX. The next day, XX/XX/2021, there was a {$2000.00} withdrawal and a {$500.00} withdrawal from my account via XXXX XXXX  All of these charges were sent to the same number, ( XXXX ) XXXX. I do not know anyone from that area and did not approve any of those transactions. I have evidence saying that both you, Chase Banking, and XXXX XXXX flagged the activity from this number as possibly fraudulent. As to why my account was not frozen after seeing this kind of activity is beyond my knowledge and makes me lose trust in such a large banking company. 
The way XXXX XXXX works is that the money when being transferred from an account does not ever touch an XXXX XXXX account. XXXX XXXX is just a third party that transfers money from account to account. Therefore, XXXX XXXX can not help me seeing as that the money never touched one of their accounts. XXXX denied one of the transactions and Chase proceeded to charge my account.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. 

In accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX has violated my rights. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15 U.SC 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 1681a 5 Section States : no consumer reporting agency may make any of the following items of information or any other adverse item of information, other than records of crimes or convictions which antedates the report by more than seven years. 15 U.S.C 1681s : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that information is inaccurate.
Product: Debt collection

In 2017 I was had a 10 minutes ride from my house to the hospital. I negotiated with the ambulance company back then on the price, and we agreed to pay one time the full amount after they gave me a discount. I paid and it was closed as account. 6 years later this XXXXXXXX XXXX XXXX  send e this letter telling me that my account was bought by pendrick capital partners LLC- who never contacted me for anything, and precisely this company has placed the account under collection with XXXX XXXX. 

This is a debt he says, she says. Where were these people 6 years ago? Why I was never contacted by the new company who bought the previous services? 
Please, I need help to stop these greedy thieves.
Product: Mortgage

Im relocation to XXXX I got transferred from my employer the home was XXXX and they told me it will be putting XXXX down and XXXX week ago the walk was today XX/XX/2023 and now they change the whole contract and change all in the contract and how they asking me for XXXX down XXXX weeks ago i star telling my employer about the transfer so do transfer its all easy done plus I all ready cancel all utilities and all my staff at XXXX XXXX  where I was relocation from XXXX to XXXX cancel my apartment ext ext down payment on FHA was XXXX first time buyer now its up to almos 7 % a week from closing forcing me to give XXXX down a week from closing plus we give XXXX down now they telling me the XXXX I dont get if dont keep going forward I have all doc we sign XXXX weeks and how they change the whole contract a week form closing and there its even more extreme issues I feel home less I was so happy thats we where able to get a home but now Im XXXX  and XXXX  hoping you help ups me and my husband we are a XXXX merry couple and now I been we been fore to give XXXX XXXX down plus going on loops they been miss informing and decriminate making pay more and every single uspect including no counting by hasband income but asking for all his info evening there not wanted to count his income! I make XXXX grand yeah hasband XXXX can you please help us
Product: Mortgage

Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX, XXXX and now, attorney firm, XXXX XXXX XXXX XXXX. have violated multiple federal and state statutes. 

One of which relates to the submission of my complete loan modification package. This was never acknowledged, processed nor decisioned by any of these entities claiming ownership at various points in time of the account. To this day, it is unclear as to who the real owner of the account is? 
Also, there have been countless illegal, fraudulent and improper collection attempts made on me, my wife and my minor children in writing, telephonicaly and also in person by a XXXX man that literally interrogated my wife and XXXX children multiple times in our front yard about collecting monies, non of whom have any obligation whatsoever.
Product: Debt collection

I have spoken to this agency and sent emails to them the latest was on XX/XX/year>. In which I requested the following information and/or answer the questions below : 1. To whom do you think I owe this debt and what amount do you claim I owe?

a. Provide the name, address and account number for the original creditor, in addition to the amount owed.

b. If this debt started with a different creditor, please also provide the following : i. Provide the unique Registered Account identifier ( XXXXXXXX XXXX ) that was assigned to this account by the XXXX and the IRR Report ( Initial Registration Report ) ii. Provide the accountlevel Chain of Title Report that shows the history of this account, referencing each previous XXXX  and transfer, from registration to the current sale or placement and the TOR Report ( Transfer of Ownership Registration Report ) iii. Provide the AHR Report ( Account History Report ) for this account NOTE : Any and ALL assignment ( s ) must clearly establish that my account was included in said assignment. A general assignment of accounts will not/does not satisfy this request.

2. Please provide a valid basis for the debt, such as the original contract between me and original creditor.

a. Provide the date the debt became delinquent and the date the last payment was made.

3. Provide a copy of the last billing statement from the original creditor.

a. If any fees or additional interest charges have been added to that statement, b. Explain how those fees or additional interest charges are permitted, either by the original contract or by law.

4. If any payments were and/or have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item.

5. Please confirm whether your agency has a debt collection license in Virginia?

a. If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license.

b. If you do not have a license, please explain why.

They DID NOT answer questions 1.b.i, 1.b.ii, 1.b.iii, 2, 3, 4,5.

Furthermore I confirmed that this agency does not have a license in the state of Georgia to collect on ANY collections accounts for ANYONE.

I also verified this information on the https : //nmlsconsumeraccess.org/ website. The report is also attached. This agency is attempting to collect a debt ILLEGALLY. They must delete this account from ALL credit bureaus under my consumer report.
Product: Mortgage

On XXXX XXXX, 2016 I made a home equity mortgage payment per telephone. The company in question is Wells Fargo. My payment was eight days past due, but still within the ten day grace period during which no late payment penalty is assessed. The representative informed me that I owed the past due amount in addition to next month 's payment. 

In other words, he wanted me to pay twice the amount I was prepared to pay that day. I told him that I only wanted to pay the past due amount for the month of XXXX. He responded that scheduling a payment in advance for the month of XXXX at this time would save me the trouble of paying in XXXX. Again, I told him that I did not desire to pay in advance. Finally, he said that it " would be okay, '' reconfirmed the amount of my payment : {$660.00}, and provided me with a reference number for the transaction. 

I thought the matter was settled, until I checked my bank statement later and found that the Wells Fargo representative had used my credit union 's banking information, which I had provided ( account and routing number ), to debit two monthly payments for a total of {$1300.00}. I immediately called Wells Fargo, explained the situation and upon escalating the matter was told by a supervisor that I had two options : ( 1 ) wait for a cashier 's check, which takes about 30 days, or ( 2 ) open a checking account with Wells Fargo, from which I could withdraw the money in a shorter amount of time. 

I emphatically declined, saying that I never authorized a double payment and that it was incumbent on the part of Wells Fargo to rectify the situation. I explained that I budget my expenses by month and can not afford to make double payments ever. The matter was therefore further escalated to the " executive '' level and I got to speak to " higher level '' manager. She gave me her telephone number and extension, asked me for mine and said that she would look into the matter herself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found multiple fraudulent accounts on my credit report preventing me from attaining credit. I submitted a FTC Identity Theft affidavit that declares the accounts as such. The accounts that are in questions are as follows : XXXX XXXX XXXX in the amount of {$2100.00} XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$1900.00} XXXX XXXX opened XX/XX/XXXX in the amount of {$13000.00} XXXX XXXX opened XX/XX/XXXX in the amount of {$4100.00} XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$720.00} XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.this list of accounts below and more has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Account numbers with no names. # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX a ssi number that ends in XXXX isn't me, # XXXX, # XXXX, # XXXXXXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX, equifax has violated my rights ! ! 15 U.S.C 1681 section 2A states I have the right to privacy.15 U.S.c 1681 section 604 A 2 : it also states a consumer reporting agency can not furnished a account without my written instructions. 15 U.S.C 1681c ( .a ) ( 5 ) section states : no consumer reporting agency may make any consumer report contaany of the following items of information any other adverse item of information other than records of convictions of crime which antidotes the report by more than 7 years15 U.sC 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 this goes for all 3 agencies this information needs to be blocked
Product: Debt collection

The car was a lemon I took took it to XXXX a couple of time for problems offer problems the last time the cast was about {$12000.00}. Plus and the car was not a year which was about {$40.00}. If I go the whole years to pay off I told then y will I put {$12.00}. In a lemon and the warranty that I pay for from them will not cover nothing so I surrender the car and after that they never contact me again I try to call the warranty company the car dealership but the give me the run around hung up I call back no one answered now the send {$12.00}. To collections witch I think they should give me all my money I put in the car maintenance wise and paying towards the loan on a LEMON.. ( ( XXXX ) )
Product: Credit card or prepaid card

I have promptly reported a slew of unauthorized charges to Wells Fargos in early XXXX.These charges dated from early XXXX to Mid XXXX. I have also not used this particular card in months. 

Fast forward in XXXX I made a follow-up call to Wells Fargos Credit Card Claims Department and it turns out they have denied my fraud claim because I have filed " too many '' disputes. This is absolutely ridiculous and I have since made an appeal along with filing a police report. Wells Fargos did make any effort to protect me as the consumer in this case. Below are the charges in question. 
Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX # XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX XXXX XXXX  Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX  Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX XXXX Amount of Transaction : XXXX Card Number XXXX XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear PayPal Support, I am reaching out regarding my account, which has been banned due to allegations of selling XXXX oriented materials. I have provided proof of fulfillment and relevant documents about my transactions and business. Despite my attempts to contact you via email for a review and call, I have not received any response. This situation is a significant error, and I am prepared to submit additional documentation to prove that I have not violated your policies. I kindly request your urgent attention to this matter. 

Reference ID : XXXX Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Please see : Complaint #  XXXX  placed to cfpb on  XXXX /2017..   At this time I have n't received any status on this Complaint. As of last week, it stilled showed in " Collections '' on my  XXXX  report. I contacted bo th ARS  and   XXXX    by phone. They seem to just point the finge r at one anot her with no results to remove this error from my report. This error has hurt me in trying to  get a Home Equity Loan.
Product: Credit reporting or other personal consumer reports

1.1 I am the undersigned, residing at XXXX XXXX XXXX XXXX, and I am over the age of XXXX. 
1.2 I am the person whose credit report is in dispute with Equifax, XXXX and XXXX, regarding the reporting of a charge-off account with XXXX XXXX XXXX XXXX XXXX 

2. Purpose of this Affidavit 2.1 This affidavit is submitted to formally dispute the inaccurate, unverifiable, and inconsistent reporting of the aforementioned account. 
2.2 I assert that XXXX, one of the four major credit reporting agencies, has removed this account from my credit report as of XX/XX/XXXX, deeming it unverifiable following a thorough investigation. 

XXXX. Statement of Facts 3.1 The account in question is identified as XXXX XXXX XXXX XXXX with an alleged charge-off amount of {$10000.00}. 
XXXX XXXX removed this account from my credit report after determining it was unverifiable during a dispute investigation. 
XXXX The Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), requires all consumer reporting agencies to ensure the accuracy and verifiability of the information they report. 
3.4 Continuing to report this account as a charge-off when another major bureau has removed it due to lack of verification violates the principles of accurate and fair reporting. 
XXXX Equifax and XXXX have failed to provide me with sufficient documentation to verify this account despite my previous dispute submitted on XX/XX/XXXX, as required under 15 U.S.C. 1681g. 

4. Legal Basis for Removal 4.1 Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable information must be deleted from a consumers credit file. 
XXXX XXXX removal of this account due to lack of verification demonstrates that the information reported by Equifax and XXXX is inconsistent and unverifiable. 
4.3 The continued reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and potentially state consumer protection laws, including the Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 ). 
XXXX According to XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), credit reporting agencies have a duty to conduct reasonable investigations and ensure accuracy in consumer reports. 

XXXX. Demand for Removal 5.1 Based on the above facts, I demand that Equifax and XXXX immediately remove the XXXX XXXX XXXX XXXX account from my credit report. 
5.2 I further demand that Equifax, XXXX, and XXXX provide written confirmation of the removal and an updated credit report reflecting this change within 15 days of receipt of this affidavit. 

XXXX. Declaration 6.1 I declare under penalty of perjury under the laws of the United States of America and the state of Georgia that the foregoing is true and correct to the best of my knowledge and belief. 

Executed this XXXX day of XXXX, XXXX. 

XXXX XXXX XXXX and subscribed before me this XXXX day of XXXX, XXXX.
Product: Credit card or prepaid card

I have bought a flight ticket to my sister in low on XX/XX/XXXX via XXXXXXXX XXXX from XXXX to XXXX. round trip from XX/XX/XXXX to XX/XX/XXXX the ticket with XXXX XXXX. Since I booked the ticket until 2 weeks before the trip there wasn't any notification that my sister in law needs a transit visa from the XXXX XXXX in XXXX. Evidence 2 is the ticket that we printed on XX/XX/XXXX it doesn't have any notification about the transit visa. Evidence 1 it is the ticket on XX/XX/XXXX and there is a notification that a transit visa is required, then I called XXXX XXXX  they told me I need to call XXXX XXXX. I called XXXX XXXX and they told me they are not sur and I need to contact the XXXX XXXX in XXXX. I have emailed the XXXX XXXX in XXXX and they confirmed that my sister in law needs a visa and it takes at least a month to schedule it. We don't have enough time to schedule an appointment to get the transit visa and I asked for a refund XXXX XXXX refused. they can give me only a credit that I have to use before XX/XX/XXXX and only for XXXX. My sister in law XXXX can come only during the summer since she has XXXX kids on Schools in XXXX, and this visit just during the school vacation. I called XXXX XXXX and they told me I need to call XXXX XXXX to get the refund. I called XXXX XXXX  and they told me I need to deal with XXXX XXXX since they have the money. I report dispute with my Credit Card bank and I am not sure if they can help me or no since the transaction from XX/XX/XXXX. I am asking for a full refund since XXXX XXXX  did not provide the entire information abut the trip and the requirements.
Product: Credit reporting or other personal consumer reports

I recently discovered that my personal credit information was involved in a data breach, which resulted in the exposure of sensitive information. As a result of this breach, incorrect personal detailssuch as the spelling of my name and my addresshave appeared on my credit report. 

I became aware of the issue recently when checking my credit after receiving a notice of a unknown debt when I noticed discrepancies in my credit report and was informed of the breached by XXXX Following this, I took steps to secure my information, contacting the credit bureaus and nothing has changed Despite these actions, my information was still exposed, and I am concerned about potential misuse and identity theft. I am also frustrated that incorrect information, which I believe resulted from the breach, is now reflected on my report and may affect my creditworthiness. 

I request that the involved company provide a full explanation of how this breach occurred, what steps are being taken to address it, and how they intend to correct the inaccurate information on my credit report. Additionally, I would like details about any support or resources available to me, such as credit monitoring or identity theft protection.