23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased a XX/XX/XXXX Ford Focus, from XXXX XXXX in XXXX XXXX, Texas, this car was financed by CHASE XXXX, I made regular on time payments for over a year to them, set up on auto pay from them. They apparently sold my contract to another company, XXXX XXXX, without bothering to notify me. I received a phone call from a man saying he was from XXXX on Friday, XX/XX/XXXX, saying he wanted money for my car payment, not knowing who he was or what he was referring to I told him no. I tried several times to contact Chase XXXX with negative results, then checking my bank account I found they had not debited my car payment, I continued attempting to contact them for several more days with the same negative results. On Wednesday XX/XX/XXXX, I was at the grocery store when an unknown wrecker towed my car without notice. I called the XXXX XXXX Police and was told they had no record of the car being reposed, however when I explained what was going on the officer told me this was a civil matter not a criminal XXXX. This Police Officer also tried to call Chase XXXX and again no answer. 
I finally was able to get hold of a lady a Chase XXXX ( 2 ) days later on Friday, XX/XX/XXXX, she stated the car had been reposed and that they had sold my contract to XXXX She, however refused to tell me where the car was or the company that towed it. and hung up on me. I tried again on the following Tuesday and she told me a phone number and initials XXXX to contact for the car, however as of this time they have not returned my calls and she refuses to give me anymore information. My wife +has attempted to contact both the repo company identified as " XXXX '', and Chase XXXX with the same negative results. 
My wife also had a vehicle financed through Chase and they sold her contract to this same company, XXXX without any notification to us, however XXXX did send her a letter, 3 weeks after payment was due to let us know they had her contract and if we did n't make a payment they would repossess her car. We did send them the payment and have continued with no other problems on her loan. 
I do n't believe this to be legal or ethical banking.
Product: Checking or savings account

Hi, I got an email from Wells Fargo saying we need more information to finish opening your account. I called them and immediately canceled the application. 
Not sure who did it become they claim its a fraud attempt. 
If it was truly a fraudster, why would he use my email account to register the bank account, wouldnt he use his own? 
Im afraid its from one of their employees. 
Now my credit is locked and I have a fraud alert in my report. 
This occurred on XX/XX/XXXX. 
I was told Wells Fargo fraud team will look into this and let know how this happened and where the fraud came from, but was never notified.
Product: Debt collection

JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX I do not know the above names. This has shown up on my credit report. The only debt this could have been was XXXX XXXX from 2021. The debt at the time was under the credit limit of {$700.00}. I contacted XXXX because I was locked out of my account. They refused to grant me access to my account so that I could make a payment. I got a new phone and could only access the account through phone verification. I let the company know that I became XXXX and can not work. The company refused to work with XXXX XXXX XXXX. I have been paying all outstanding debt in payments to XXXX XXXX relief for the past 14 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an online account with Experian to check my credit report more often since I have been a victim of identity theft in the past. I recently received a copy of my credit report from Experian and I noticed some hard inquiries in my credit report are not mine. Please remove the following fraudulent hard inquiries from my credit report. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 thank you for your help!
Product: Debt collection

XXXX XXXX is collecting and reporting a debt to the credit bureaus when I do not owe. XXXX XXXX is unable to furnish me with a contract that I had with XXXX XXXX and therefore is infringing upon my rights as a consumer.
Product: Debt collection

On XXXX XXXX a collections was reported to my account fraudently. I dont know who has done it and I tried contacting Receivables Performance ( RPM ) about the debt but was unsuccessful.
Product: Debt collection

I XXXX XXXX never enter any consumer credit transaction with ARS ACCOUNT RESOLUTION for them to have obtain my personal information. Pursuant 15 usc 1692 ( a ) this is infringement upon my consumer 's right to privacy. By ARS ACCOUNT RESOLUTION obtaining my personal information without my consent they have committed fraud and identity thief and I have filed an FTC complaint and attached it below. ARS ACCOUNT RESOLUTION furnishing this allege debt to my consumer report they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now I can not do business with anybody else due to ARS ACCOUNT RESOLUTION reporting this allege debt to my consumer 's reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name: XXXX XXXX XXXX
Date Opened: XXXX2016
Balance: XXXX

Account name: XXXX XXXX  Bankruptcy
Product: Credit reporting or other personal consumer reports

TransUnion have been restricting access to my account for 2 years now I have paid for the report of the credit I have called in several times to ask them why can't I login they have no explanation they will not give me my credit score when I try to get a Yearly free report they have restricted access I have called in and talk to everyone it's been 3 years now and still no access to my report The report is not frozen a mortgage company was able to pull the report which the account suppose to have a freeze I don't know what's on my report at this moment I don't know if any fraud have been committed or anything I don't know if the report is accurate.
Product: Debt collection

I was garnisheed by XXXX XXXX XXXX XXXX XXXX for a balance of {$150.00} and I never received a notice that I was being garnisheed until after the money was taken from my savings account with my credit union when they sent me the notice. I never even knew this debt still existed until I was garnisheed by XXXX XXXX XXXX XXXX XXXX. The notice that they sent to my credit union was supposed to be received by me within 7 days of filing and I did n't receive the notice until today which is XXXX XXXX, 2016. I never received any communication about this debt until I was garnisheed i.e. the only communication I received was from my credit union after I was garnisheed.
Product: Debt collection

*Dates/Amount and the action taken by : XXXX and XXXX 2017 served papers by county sheriff at my residence/Of the estimated amounts of {$2000.00} and {$9000.00} : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX representing on/ trying to pursue a lawsuit on behalf of XXXX  XXXX XXXX XXXX XXXX . They are stating I own a debt and can not provide the proof that this debt belongs to me. I would like for state legislators to prohibit private student loan holders such as XXXX XXXX XXXX XXXX XXXX from obtaining judgments when they lack proof that they own the loans that are the subject of the lawsuit. This is very misleading and embarrassing. What I think would be satisfactory to this solution would be for this law firm and/or XXXX XXXX XXXX XXXX XXXX to either provide the original promissory note/or original documents/proof that this is my debt I owe and to stop further collection activity on me.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  Balance : {$3100.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}
Product: Debt collection

I didnt apply for this loan never received the fund. XXXX and XXXX said he couldnt help me it was filed out and I asked where to he said he couldnt help me anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance Owed : {$350000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$680.00}
Product: Debt collection

CMRE Financial Services is charging me {$510.00} for a debt that was paid by my Attorney, my attorney made that payment on XX/XX/2019 to XXXX who was the original creditor. The check was cleared on XX/XX/2019, CMRE refuses to remove the derogatory mark on my credit report. I have attempted to contact CMRE, specifically a person named XXXX and XXXX XXXX who are in charge of that account. I have attempted phone calls, emails with proof of payment. They refuse to return my phone call.
Product: Debt collection

Hello, I just want to make one thing clear XXXX XXXX XXXX XXXX. DONT YOU EVER accuse me of lying. This is a collection from a cash store in XXXX  and I dont live in XXXX  XXXX Ive lived in XXXX XXXX since XXXX  and these allegations are not false and misleading, your company is and you should be sued and closed down! Dont you ever accuse me of lying. If this doesnt stay off, Im going to come at you for defemation. Ive already filed another report. Dont mess with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  isnt doing nothing just collecting all my disputes trans union is not even letting me look at credit i need to monitor my credit b/c of hacking and ID theft victim
Product: Money transfers

I was sent a check in the mail from XXXX XXXX out of XXXX XXXX, CA that was {$2600.00}. I was asked to deposit the check in my bank account. Then was asked to withdraw all but {$100.00} of the {$2600.00} so deposit into 2 different other accounts. One was sent to XXXX and other was sent to a XXXX through MoneyGram. I later found out that the check was a XXXX and my bank zero 'd out my bank accounts. I need some help to get this resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX The results from the investigation is still in progress. If it is more than XXXX days, you must remove. 
XXXX deleted a long time ago. XXXX and Equifax was supposed to delete it as well according to law. 
If this problem continues, I will contact my state legislation to sue this company, XXXX and the credit bureau due to reporting false information and failing to accurately complete investigation. There are my things that was violated and I need to request an audit from the historical changes that was illegal According to law FRCA XXXX XXXX, it is illegal to report information on my credit report without my permission. Thank you please remove this item from my credit report now.
Product: Mortgage

A branch manager from Citizen 's Bank called me in XXXX, 2016 to ask if I wanted to extend my second mortgage/ line of credit which was to expire in the XXXX. She quoted me a rate, and I said sure. Completed the required paperwork, and was quickly approved. An assistant manager called to say they were ready to close and arranged a time at a branch closer to me. When I arrived terms not previously told to me were imposed such as : ( 1 ) I had to borrow at least {$25000.00} and ( 2 ) any payments would be deducted from my account monthly. As we at the bank already, we agreed to accept those terms. I quickly paid pack the loan except for {$150.00} so as to avoid any interest payments. 
At the time of the closing, certain forms needed to be notarized. No notary was present, but we were told " not to worry, the bank manager would notarize on Monday and all we needed to do was sign '' We did. Subsequently, the manager came to our house for us to re-sign the loan and to notarize. Of course, we were charged fees and interest not told to us. 
How many other people are being charged fees and interest from Citizen 's bank?
Product: Mortgage

Why did XXXX XXXX XXXX refuse to provide us with the actual amended & restated note loan modification agreement form 2003 to us? 
Why is XXXX FKA XXXX Or Nationstar mortgage of XXXX refusing to give us a actual copy of the Amended and restated note loan modification agreement paperwork to us? 
Also I want a answer why all my military service time I was denied when I provide the correct info?
Product: Debt collection

on  XXXX / XXXX / 2017  I received a message saying that i was to be served and that the company had made multiple attempts to server me and this was my last opportunity and that if I were not home it would be viewed as refusal to accept.I have never been notified of this debt b eing turned over to collections before. I Was home all day the next day and no one showed up. Called my county c lerk and no case was found using the case number the company had provided. Within this first message was a phone number to call if I wanted to settle out of court. On  XXXX / XXXX / 2017  I called number that was in message and spoke with an  XXXX   XXXX .  XXXX   XXXX  explained that the debt was from a previous payday loan I had taken out. He then further went on to ask if i wanted to settle this now before it became a public matter. I told  XXXX   XXXX  I would call him back on  XXXX / XXXX /   2017  if I were able to make funds available.  XXXX   XXXX  called me on  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX / 2017   XXXX   XXXX ,  XXXX / XXXX /   2017  at  XXXX   XXXX ,  XXXX / XXXX / 2017  at  XXXX   XXXX . I then called  XXXX   XXXX  back and told him that I did not have the funds together now. I also asked him for information regarding his company and he said he would be able to give me all that after we had made arrangements. So even as of now I do not know what company he is with only that his number is  XXXX
Product: Debt collection

XX/XX/21 served a civil lawsuit notice. 
XX/XX/21 checked my credit report and this debt was not found anywhere on my report. 

I never knew this debt existed. I was never sent any collection notices. I was never called about this debt.
Product: Student loan

My purse and wallet was stolen. All of my important documents were in my purse and my identity was compromised. I tried to make a police report but due to the fact I did not know who stole my things they could not provide me with an accurate police report but they are still looking into it.
Product: Student loan

I have made 2 separate payments that are missing with Edfinancial. One on XX/XX/XXXX with Confirmation Number # XXXX totaling {$29000.00} and another one on XX/XX/XXXX with Confirmation Number # XXXX totaling {$1900.00}. I have uploaded documents showing these payments and verification. I have even called them willing to give them the verification numbers for them to check and they refused. While these payments have been processed and taken out of my bank account, they have disappeared from my payment history and have not been deducted from my loan balance besides a {$21000.00} payment that was posted, which is only a portion of what I paid. Please investigate this matter and include the payments I have made as paid to deduct them from my outstanding balance, thank you. I can be reached anytime at ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to express my profound frustration regarding the mishandling of my credit file, which has been a source of severe hardship for me and my XXXX children. This letter serves as my third formal complaint, and I am prepared to take legal action for negligence if this matter is not resolved promptly.

For nearly two years, my credit report has incorrectly merged with another consumer 's file, leading to ongoing distress and complications in my financial life. I have contacted Equifax multiple times to rectify this issue, including significant efforts in XX/XX/XXXX and XX/XX/XXXX, where I provided extensive identification verification, including my drivers license, social security card, and verified bills. During both calls, I was assured that the inaccuracies would be addressed and that I would receive updated credit reports. However, no such reports have ever been sent to me. 

In XXXX and XX/XX/XXXX, I attempted to access my credit report through Annual Credit Report.com but was unable to do so, being instructed to contact Equifax instead. On XX/XX/XXXX, I verified my identity yet again and was informed that the erroneous information was still present. I disputed this issue during every call, yet I received no follow-up or updated report. 

Most recently, on XX/XX/XXXX, after yet another round of verification, I was told the necessary documentation was in the system, but I was still asked to provide additional proof of address to move forward. When I requested to speak to a supervisor, the call was unexpectedly disconnected. 

This ongoing negligence violates the Fair Credit Reporting Act ( FCRA ). Equifaxs failure to remove or correct inaccuracies has severely impacted my ability to obtain credit, causing financial strain for my family. On XX/XX/XXXX, I managed to dispute the name discrepancy ( Confirmation # XXXX ), yet the erroneous name still appears on my credit file. On XXXX first Confirmation # XXXX ) was completed and removed under OTHER NAMES ; However, the file name should be XXXX XXXX and the INCORRECT NAME OF : XXXX XXXX XXXX XXXX is INCORRECT AND NEED TO BE REMOVED IMMEDIATELY. 

After contacting Equifax again on XX/XX/XXXX, I submitted the same documentation for the sixth time for XXXX XXXX which was verified through a XXXX attachment sent directly to my email attached to credit file. I received confirmation ( Case # XXXX ) but was met with yet another email on XX/XX/XXXX stating that my investigation was complete and instructing me to submit the same verification procedures that was already completed to update my credit file to XXXX XXXX. 

It is unacceptable that Equifax continues to request repeated documentation while failing to update and remove the incorrect name and file. This negligence is not only frustrating but has also led me to consider legal action for damages related to the impact on my credit report.
Product: Debt collection

This collection was resolved last year XXXX XXXX XXXX contacted AFNI and provided documentation stating that there was no pursue of funds since the billing was created by an internal mistake. At the time this collection was removed from all credit bureau but now as of XX/XX/2022 AFNI has filled again. I called them and they stated that 1- it would take 7 to 10 days to get an email with the information that they have, Then they told me it would be 3 days. more than 10 days have passed and i still don't have any information as to what they claim to have
Product: Credit reporting, credit repair services, or other personal consumer reports

This account below has violated my federally protected consumer rights and must be deleted for inaccuracy because it continues to report activity after the close date of XX/XX/2020, also this account shows a past due balance of {$1000.00} which is inaccurate. A closed/chargeoff account must NOT show a past due balance ( after it was charged-off with the IRS ) or show ANY activity after the account closed date. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a Bank of America small business checking account at the end of XXXX. My account is a little over a month old and I've deposited 3 checks so far from the same employer/contracted agency and all 3 of my checks have been put on hold for 12-15 days. I have tried to fix with issue with the bank. It is my first time using Bank of America. I'm a loyal XXXX customer, however, for my business account I decided to give BOA a try. My first check deposit was done on XX/XX/XXXX, and was put on hold until XX/XX/XXXX. Customer service is extremely rude. I've tried going to the bank and asked them to return my check from the ATM machine because I have bills to pay. I was told that the bank will not do that and I would have to call the customer service line and ask them to see if they'll be willing to get my check out of the ATM and mail it to me. Which obviously would've taken longer than the time it would take them to clear it. The bank manager XXXX XXXX at the branch on XXXX XXXX and XXXX, in XXXX XXXX was very rude and told me you're going to have to wait. I asked how long is the account considered a new account. He said he does not know and I'll know once my checks deposit without a hold. Is that even a legit answer? I trusted this bank with my money and they're giving me the runaround. I have regular deposits every 2 weeks of around the same amount. I've threatened to close my account if this continues but they do not care. I deposited another check on XX/XX/XXXX in the amount of {$4800.00}. The bank told me it will not be available until XX/XX/XXXX. I have bills to pay that are all due the first week of the month. This is unfair and very unprofessional. They're doing nothing to address my issue and won't give me a timeline of when my account will be considered " Not New ''.
Product: Checking or savings account

I recently went to open up an account at my local credit union in Texas and was informed that I had an account opened and closed with this bank. I never opened an account with First National BankXXXX and realized that this account had been opened by my ex who was deceased and had opened other accounts using my identity. I reached out to First National Bank to resolve this issue but no one has contacted me.
Product: Credit reporting or other personal consumer reports

I opened a credit card at an Old Navy store. I was enrolled in paperless billing without my consent. I never received a bill or an email notifying me that I had a bill due in XX/XX/year>. I was notified by a decrease in my credit score and still never received notification of the money I owed. I immediately paid the small balance on my Barclays credit card. I was never instructed how to pay my bill. I had a XXXX  in between this time and wrote letters and filed disputes explaining this and was told no and the late payment history of 90 days remains on my card. Every time I call Barclays I am belittle and treated terrible by the employees. Do not open a Barclays credit card.