23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I received a text message from Number XXXX : Your DriveTime pmt discussed is due tomorrow. Pls call XXXX if unable to pay. To opt out, reply STOP. Info provided is part of a collection attempt. 
So I called the number, thinking is a collection payment. They asked my name, XXXX of social and phone number, which I gave. Still my account could not be located, they started asking more questions at this time I became suspicious I asked what type of loan we were talking about and they said car loan or lease, so I said I will call my bank. My bank says my payments are up to date. So these people now have my name my phone number and the last XXXX of my social. Please keep me posted on this case.
Product: Debt collection

My wife received a phone call from the number I have linked to Midland Credit XXXX. They asked if they had reached me. My wife said no. 

He continued by stating that " this phone call is being recorded and was an attempt to collect a debt for XXXX XXXX. '' I know this is regarding my credit card debt with the store 's credit card, but it 's my business and legally not anyone else 's. 

According to the Consumer Financial Protection Bureau and the Federal Trade Commission, this is a clear violation of my rights and I want their case dropped because they should not share any of my personal information with other people.
Product: Debt collection

I called  the Accredited Collection Services to set up a paymen t plan for a debt that I owed.  XXXX  the representative on the line was extremely rude and would not work with me. He told me the " full amount had to be paid today or they would take further action ''. I did not have the full amount and explained I could make payments. He got extremely rude and told me I have had plenty of time to pay this debt and I owed this money now. I ended up saying goodbye and got onto there website to contact customer service about my situation by email. The response was to contact ACS by phone.
Product: Debt collection

The following number XXXX and other numbers from this same company keeps calling my number repeatedly while i am at work. I send it to vm and they literally call right back. I answered and informed them this debt was paid and that i wanted my cell phone number removed from their list and added to the DNC, I asked them not to call me again. They keep calling!!! This is for XXXX XXXX  clothing store credit card. aka : XXXX XXXX
Product: Debt collection

I received an alert on my credit report that there was a new collection. When looking into this, I saw a collection account for Congress Collection. I placed a call to the company to ask what it was for and was told it was for a medical bill from XXXX XXXX 2017. I have never received any communication from this company. The second issue is that the new law states they ca n't report a medical bill unless it is 180 days past due. If the bill was from XX/XX/XXXX these would still be a few months to have this cared for.
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 15 USC 1681. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : Dept of ED/XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : This also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information : Any 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: Credit card or prepaid card

See attatched USAA statement XX/XX/XXXX. Summary of Account Activity shows beginning bal. of {$1.00}, XXXX minus Other credits of - {$2.00}, XXXX - - {$1.00}, XXXX owed at this point. minus the Total Credits for this period listed separately/merchants credits. - {$910.00} Add New Purchases NOT CREDIT REVERSALS Less than + {$870.00} DOES NOT EQUAL NEW THE BALANCE MATHMATICALLY. **Please note XXXX XXXX {$120.00} is a new fraud investigation XX/XX/XXXX. NOT XX/XX/XXXX AS USAA MAINTAINS. USAA can view the adjustment purchase to begin a fraud investigation {$120.00} XX/XX/XXXX on a purchase paid by merchant in XX/XX/XXXX?? Huh?? I did not buy this item returned to the store back! Forced by USAA TO BUY BACK 2 RETURNED ITEMS from. XX/XX/XXXX in XX/XX/XXXX.total {$340.00}.
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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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: Credit card or prepaid card

Wells Fargo Card Services  closed my Credit Card account for no reason after sending a claim through Consumer Financial Protection Bureau in regard an overdraft on my checking and saving account. My  Saving a ccount had been closed for 3 months now and they did n't close my credit line, now because I 'm trying to protect my rights and I 'm complaining about them, they closed my account. My voice needs to be heard, and it will because I 'll make sure of it. Customers need to be protected by they right and they need to do they right thing, not what they think is right. I think this is  XXXX  of those cases where Bank employees, because that 's what they are, employees abuse power and diminish citizen rights. Is this something a customer ca n't do anything about? I really need this Bank punished for how they treat customers and I 'll be complaining with every and each protection agency that had ever existed in the  U.S. W atch me.
Product: Credit reporting or other personal consumer reports

This request is essential for addressing consumer concerns regarding personal financial information, account discrepancies, or questions about financial products and services. By gathering and verifying this information, we can deliver accurate solutions, resolve issues efficiently, and protect consumers from fraud or identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and there is two collection accounts that doesn't belong to me. 
My ex husband filed a bankruptcy chapter XXXX on XX/XX/2016 and debt belongs to him and it was included in Bankruptcy. Case file number XXXX XXXX, XXXX and XXXX has sharing my information with collection companies and credit companies without my consent.. 
I never had a XXXX XXXX credit card owning {$590.00} and a collection of {$3900.00}.
Product: Mortgage

XXXX XXXX transferred my mortgage to Roundpoint in XXXX, 2023. This company keep harassing me and theatening to charge more money from day one. Basically, if you call them, they will tell you different story every time. If you email them ( XXXX ) they will tell you that they need very long time ( over 2 months ) to " investigate '' the issue. 

This company, RoundPoint Mortgage Servicing LLC, is currently willfully and deliberately misrepresenting facts, sending out fraudulent letters, misleading and harassing customers with their well-designed fraudulent business strategies. 

They sent me an email on XX/XX/XXXX, asking for HOA master insurance. I uploaded the document on the same day. A week later, I called a representative and she confirmed the document was ready. 

I received another email from this company on XX/XX/XXXX. I called a representative again, and the guy told me that he just submitted my document " for initial review '' and it will take " 3-5 business day '', it has been sitting in the system for a month and they were telling me they just " submitted '' the document to the company for review, what a joke. 

For the record I uploaded the insurance document again on Friday XX/XX/XXXX. I also emailed XXXX with insurance dcument attached on the same day. 

My property is located in the center of XXXX XXXX and this HOA has over 50 years history, the properties are properly insured. My HOA manager stated that for the past 15 years, he had never aware of any other mortgage servicer having such issues with insurance policies. 

My experience is not uncommon, another customers reported on yelp that he already uploaded insurance papers for at least 7 times. Some customers reported that they set up auto-pay and this company will charge addtional " late fee '' and they will claim they don't receive the monthly payment. It appears that Roundpoint Mortgage will add unlawful charges to your existing mortgage, and purchase new insurance without your consent no matter what you dom so that they will make profit from it. 

We all understand that Roundpoint Mortage are based from an undeveloped state or place. Maybe this business is about runnning out of money or something, because they look so desperate, but it does not give you the right to keep practicing your fraudulent and unlawful business strategies over and over again. 

XXXX XXXX XXXX reviews against this company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a call from a suspicious person whom claimed that I had scammed someone. I foolishly believed it and proceeded to have a conversation with him that gave him access to my information. His screen name is brianofficialsupport. He scammed me out of {$1800.00} dollars cause I had conversations with him. In the end, it was a huge scam that I fell victim to. Resulting in me losing my money without any hope of getting it back or refunded. I appreciate any help you can provide to me in the effort of getting my money back for college.
Product: Checking or savings account

Had citi bank credit card. Received email offering {$300.00} bonus to open Citi Accelerate Online Savings Account. I did and did the requirements. Also at that time opened a checking account offering a bonus for the checking account also. 

I kept receiving emails offering the same bonus for opening a savings account. And also received a bonus offer in the mail for the checking account I had also opened. 

I called them XX/XX/2022 to find out why I was still receiving offers for a bonus to open a savings account and also a checking account bonus. I told the that I already opened a savings & checking account to get the bonus for both. 

I was hung up on 3 times that I called. The 4th time I called was told I did not sign up the right way so I don't qualify for any bonus. I told him that I clicked on the email to sign up. He still said I would not get the bonus. 
I opened a chat on XX/XX/2022 and was told the same thing. The guy said it was time for him to get off work so turned the chat over to another employee. This employee told me that I would get the bonus. I copied part of the chat with the second employee saying I would get the bonus. I told them I want an email verifying I would get the bonus. They will not do that. 
I checked XXXX and found they have a XXXX rating. I want to know if I leave the required money in the accounts for 60 days if I will or will not get the bonus and if not why? I was given so many outrageous excuses that I don't trust them. I also signed up to have both my monthly checks deposited in the checking account. 
I never had a problem with the credit card and had no idea they were dishonest.
Product: Credit card

Hello. I am writing a complaint regarding the American Express Blue Cash Everyday sign-up bonus in which if you spend {$1000.00} within 3 months, you get {$250.00} back. I opened up my blue cash everyday card XX/XX/2016 because of that sign-up bonus and did spent more than {$1000.00} within 3 months, actually I spent more than {$2000.00}. However, I still have not gotten anything. It has been a year, so I decided to chat them starting this XXXX and they are keep saying that it is being researched by the specialists and my request is still pending. Every time I chat with them, they always tell me to come back in couple days to check if it has been approved or not, but every time I come back and ask, they would tell me it is still on pending and they are working their best to find out. No notifications whatsoever. As of today, still, they are still working on my sign-up bonus in which they would never tell me. I would like to get my {$250.00} sign-up bonus. that was the only reason why I signed up for this card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX - XX/XX/ - On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong person.
Product: Mortgage

I am writing to formally lodge a complaint regarding the mishandling and poor management of my mortgage process by Lennar Mortgage. Throughout this process, I have encountered numerous issues that have led to significant frustration and delays, which I feel compelled to address. 

Poor Communication : Communication has been consistently unclear and unprofessional. I was not adequately informed about crucial steps, deadlines, or the required documentation, which created confusion and setbacks. 

Disorganization : The mortgage process has been marked by extreme disorganization. There were repeated requests for the same documents, and it became apparent that there was no proper internal coordination in managing my case, resulting in avoidable delays and complications. 

Lack of Client Understanding : Despite providing detailed information regarding my financial situation, it is clear that your team did not fully understand or consider my unique circumstances, especially concerning my foreign financial status and income sources. This lack of understanding led to erroneous assessments and decisions that have seriously impacted my ability to move forward. 

False Expectations and Information Omission : Throughout the process, I was provided with unrealistic expectations that were never met. Critical details about the terms and conditions were also omitted, which has severely affected my decision-making and planning. 

Due to these ongoing issues, I request a thorough and transparent explanation of the actions taken in my case, as well as immediate corrective measures. Failure to address these concerns may result in further action, including legal recourse, to ensure that such mishandling does not affect other clients in the future.
Product: Student loan

Sallie Mae is reporting a tradeline account to my consumer credit file. I learned that the loans are for a school by the name of XXXX XXXX XXXX XXXX was closed - shut down due to fraud. By continuing to report a tradeline with derogatorymarks Sallie Mae is in violation of the FCRA. I did not authorize any student loans to be paid to XXXX XXXXthrough Sallie Mae. Thus any and all activity on this account is fraud.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/year>, I attempted to make a payment to my landlord via XXXX for {$1900.00}. The transaction was declined and I promptly followed up with my landlord who informed me that he does not have a XXXX account. The funds in the amount of {$1900.00} were later pulled from my account, without my authorization for a second transaction. I followed up with Chase who denied an initial claim for fraudulent activities, despite the fact that I never authorized a second payment attempt be made. Chase then denied a second claim for courtesy recovery of funds. Stating that they can see the information regarding the transfer of funds, the institution it was sent to, and the account. But due to their agreement with the other entity are unable to disclose the information or make further attempts to recover my funds. While this is occurring Chase encouraged me to also follow-up with XXXX, who noted that they have no ability to access or track the transaction due to privacy associated with my banking institution. However, that since the receiving party does not have a XXXX account the funds should be refunded to me in 14 days. Countless time spent back and forth, being sent in circles between Chase and XXXX, with no resolution. Despite the fact that I did not authorize a second transaction attempt and Chase is able to track the transaction, they are still unwilling to take the necessary steps to recover my funds on a transaction that was not authorized. Citing their binding agreement with the other banking entity and that I waived my protection rights by using XXXX. Nor is there an account for the recipient I was attempting to send the funds to, which clearly identifies the recipients name and corresponding telephone number. So despite the fact that Chase can track the transaction and has all the identifiable information, they are still unwilling to take the necessary steps to protect their consumers.
Product: Debt collection

Was contacted via phone repeatedly in XXXX about a medical debt that I owed by Allied Collection Services. The debt was not familiar to me, nor were they able to tell me the name of the Doctor or provider who I received the medical procedure from! I spoke with a supervisor and they were supposed to send me documents in the mail! They never did! Now today, XX/XX/XXXX, I was alerted via XXXX that I was put in collections by this company for {$210.00}.
Product: Payday loan, title loan, personal loan, or advance loan

Firstly I'm a Combat Injured Veteran 100 % XXXX  XXXX and XXXX. I got a loan with onemain financial to pay for a lawyer to fight for my daughter because my ex wife put my daughter in the hospital. Then I became very sick and ended up in the hospital multiple times and for long periods of time. XXXX XXXX  and still ongoing treatments over the last year and a half. They worked with me in the beginning but I can't get ahead of the intrest. I've started missing payments because of just trying to pay my mortgage and utilities and car payment plus food. Just trying to live with a family of XXXX. Now they are calling me up to XXXX  times a day harassing me nonstop. They've called me XXXX times in the last 5 days. It's very disturbing and nerve-wracking. I can't sleep because all I do is think about how I'm so far behind there's no possible way to catch back up with such a high intrest rate loan. All because I got sick and my wife had to take off work to go to the doctor with me and be with me at the hospital. How can this be legal to call someone XXXX times in 5 days? It never stops! I have phone records to show proof of my claim.
Product: Credit card

Refused to credit the late fee reason : no option available to reverse the XXXX late fee. 
My XXXX XXXX ACCOUNT due date is the XXXX of each month, I paid my monthly payment on the XXXX of XXXX BUT the app option did not allowed me to schedule the payment on the same day which was the XXXX instead it only allowed me to make the payment until the following day of the XXXX. Today, I contacted XXXX XXXX XXXXXXXX CREDIT CARD request my call to be escalated, spoke with XXXX, Senior Account Representative and he indicated no option to reverse the XXXX late fee because the cut off time is eastern time XXXX XXXX I explained to him I am in CALIFORNIA pacific time and I made my payment on the XXXX, he explained that he understands but is unable to reverse the late fee, I asked for a copy of the agreement and he said he will send to me in a month, he also said this will not affect my credit reporting but it is considered late. I told him that pursuant to CALIFORNIA LAW a late fee should not be assed until after XXXX on the due date. He said to go ahead and file a complaint with the state attorney general and with you if I wish to get this late fee reversed. As of the date of this complaint I have not received a copy of the legal contract. This is unfair business practices act violation within my state and I do not want to become a victim of late fees when I am making my payment on the due date according to my time zone. The payment method used to make the payment placed a hold on my bank account on the XXXX and not in the XXXX, CAPITAL ONE secured the payment on the XXXX but processed until XXXX, unfair I want the XXXX to be refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX  Fed XXXX XXXX continues to furnish a series of late payments on credit profile. According to accounts XXXX which is displayed eleven times as nine late payments. The accounts are the same and with the reporting being calculated by FICO the inaccuracies of reporting are compromising my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were unauthorized inquires on my Credit Report Capital One requested my credit report on - XX/XX/2019 - XX/XX/2019 XXXX requested my credit report on - XX/XX/2019 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report an inaccurate account on my report which is in direct violation with FCRA law. They are reporting that I was late on a XXXX XXXX account number XXXX  4.9 years ago however they are not reporting the month date or year on my credit report and they refuse to provide the documentation they are using to report the inaccurate information. I need your assistance in getting this inaccurate account off of my credit report asap. They are reporting that it last updated in XX/XX/2017 buy yet is says payment status is unknown but saying in my summary that I was late. It's contradictory information that they are reporting and it's all wrong. I've also requested they remove the employer reporting for I don't work there and they continue to report the inaccurate information.
Product: Checking or savings account

Multiple unauthorized transactions have been made without consent, And reported and nothing has been done.
Product: Credit reporting or other personal consumer reports

i am not responsible for the captal one and i did not sign a contract with XXXX XXXX XXXX and they not not provite me with the paper work of a contract as requested.