23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XXXX I called Ally Auto ACI pymnt system and pd last 2 pymnts. I was directed to XXXX XXXX XXXX and spoke to several reps who advised me to pay {$58.00} ( rounded ) + {$4.00} fee. This would clear my pd in full obligation. The late fees {$1500.00} would be waived by request. I did so on XXXX  and was given ticket # XXXX. I was told the waiver process takes 1-3 days. After that time I called back and have been given the run around to present. The late fees are an internal mechinism of discrimination impacting me negatively.
Product: Checking or savings account

I deposited a {$10000.00} check on XX/XX/2019 through BOA app 's mobile deposit on cell phon and was told the fund would not be available till XX/XX/2019. Namely it will take Bank of America 10 days to clear the check and make the fund avaialble to me. I called consumer service and was told there is no way to accelerate the processing. Neither can I stop the check processing. 

In my opinion, Bank of America is taking advantage of consumers by intentionally holding their fund that otherwise should be available to consumers without paying any interest. It's 21st century now and how could it be not possilble for a commercial bank to clear a check within a couple of days.
Product: Debt collection

I received several calls on XXXX/XXXX/2017 from phone number XXXX and in the messages the individual states they are trying to deliver sealed documents that require my signature. When I called the number back, I spoke with XXXX XXXX. After confirming my name, he proceeded to discuss the debt. He never disclosed that this was an attempt to collect a debt and information would be used for that purpose. Also, when I advised him that I would need to do additional research and get back to them, he proceeded to tell me that he would put it down that I refused to pay. I explained to him that I have not refused to pay and he can not document that inaccurate information. He became belligerent and combative with me, at which time I disconnected the call.
Product: Checking or savings account

I went the Chase Bank branch located in XXXX XXXX XXXX in XXXX FL and opened an account with the banker. Very nice guy. Helped me do everything about it, I was very well informed. He gave me a few options based on my profile. We did everything and when I got home, literally XXXX minutes later, I called customer service because my online access was suspended. The person told me that my recently opened account was closed based on an investigation. Investigation? How? I never used the account. It was opened for like XXXX minutes. I need an explanation why they decided to close it after they opened. If they don't want me as a customer, why did they open it. So rude!
Product: Money transfer, virtual currency, or money service

The account was opened on  XX/XX/XXXX  and never was provide the service by the sales person,  XXXX   XXXX  representing the merchant for the use of the credit card machine. In addition, I paid {$35.00} extra for an upgraded wireless credit card merchant processor . Again ne ver received the item. Since then the machine only functioned during the month of  XX/XX/XXXX  never again. I complained serval times to the sales rep,  XXXX   XXXX   ( ev ery month ) and was told that the company would replace the machine which never arrived and that the monthly service charges would be refunded. I was ignored and lied too continuously as no action to correct this matter was taken by the Merchant. I have also been charged an Annual fee of {$120.00}. I contacted their customer service on  XX/XX/XXXX  and spoke to  XXXX , also on  XX/XX/XXXX  and spoke to  XXXX  to complained about the Annual Fee and Monthly Charges as well as to complain about the credit card machine still not working and the sales rep not responding as promised. Both  XXXX  and  XXXX , Customer Service Reps advised that the company would refund the Annual fee and the monthly charges. I followed up again with their customer on  XX/XX/XXXX  and spoke with  XXXX  since the refund was not done.  XXXX  said that she would research what happened as their system showed I was to be refunded. She said that she would follow up with a response no later than  XX/XX/XXXX  but I never received a call back. I called again and spoke with  XXXX  on  XX/XX/XXXX  to explain the above was promised a replacement credit card machine which was received in  XX/XX/XXXX  and on  XX/XX/XXXX  the business was sold. I informed th e Sales Rep,   XXXX   XXXX  of the sale and completed a new agreement with the new owner of the business and that my lease agreement would be cancelled without penalty. The sales rep,  XXXX   XXXX  that same day the new account was signed with the new owner took the credit card machine that was assigned to me. The new owner received a new credit card machine later that week. I continue to receive calls and am being charged for services I no longer am responsible for. This unjust and criminal. As of  XX/XX/XXXX  the total amount taken from my back account is {$370.00}.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

ACIMA CREDIT FKA SIMPL XXXX XX/XX/2019 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Mortgage

to Whom It May Concern : Again Chase had performed a property valuation without our knowledge and consent. Chase employees had apologize for the mistake. By taking pictures of my property and performed an unnecessary appraisal Chase had invaded our privacy. This is one of the many mistakes that Chase had done and I 'm trying to solve this issue. 
At this point we are frustrated with Chase and its mortgage services. Paying our property taxes without consent and knowledge, putting in us under mortgage assistance program when we had never missed a payment and invading our privacy by taking pictures of our property are unacceptable behavior. We are demanding that Chase cancel and void the mortgage loan in benefit of us the borrowers. All the actions that Chase had taken only guide to a fraud and fraudulent case. In exchange of any lawsuit we want Chase to remove the lien against our property and provide a free and clear title of our property. We had exhausted our energy and patience against Chase and we can not permit that a financial institution abuse us the borrowers. The loan will need to be cancelled or legal actions against Chase will be proceed.
Product: Credit reporting or other personal consumer reports

I appreciate your attention to the removal of certain fraudulent entries from my file stemming from an alleged identity theft. However, there remain items that require attention. Upon reviewing my updated personal credit reports, I observed that an inquiry and inaccurate information persist on my profile. I have contacted the relevant company regarding the aforementioned inquiry and requested its removal from my credit profile. Previously, I had requested that you conduct an investigation into the inquiry on my credit report to ascertain its authorization. And I know your investigation is concluded, and it corroborates my assertion, kindly expunge this lingering inquiry and inaccurate data. Additionally, please furnish me with updated copies of my credit reports devoid of these remaining items. Details of the disputed items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. It is imperative to note that the disputed items do not pertain to any transactions initiated or authorized by myself. In accordance with the Fair Credit Reporting Act Section 605B ( a ), you are mandated to remove any items opened without my knowledge, consent, or authority within four business days. This removal necessitates ( 1 ) suitable proof of consumer identity, ( 2 ) an identity theft report copy, ( 3 ) consumer identification of the disputed information, and ( 4 ) a statement attesting that said information does not pertain to any transactions by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX : account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report counting 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I was due for my annual IBR renewal with Navient, and mailed them my application forms ( IBR, W2, statements from other loan providers, taxes, my wife 's taxes, pay stub, etc ... ). I called them on XXXX to ask if they had received it and was told they did and were in the process of doing my certification for XXXX. I was then told that the government had issued a plan to let you keep your previous year 's IBR active and then renew at the end of XXXX instead. I was told that this covered my DOE and Federal loans. 

On XXXX, I received an email from Navient saying my loans were about to increase unless I renewed. When I called and spoke to a representative, I was told that the information from my previous call did not apply to my Federal loans. I was also told that they had misplaced all of my IBR document aside from the first page. Because of this they told me that it did not show I checked that : a ) I'm married b ) I have access to my wife 's taxes c ) that we file separately. Because of this they combined both of our salaries making me ineligible for IBR. 

I strongly told the representative that I want to speak with his supervisor because I feel I was intentionally mislead about this. All the while I have been consistently making payments and doing all of my IBR renewals since XXXX ( have not missed 1 month or 1 year ).
Product: Credit reporting or other personal consumer reports

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I CALLED IN TO NEGOTIATE A SETTLEMENT THE ENTIRE STAFF IS UNPROFESSIONAL THE FIRST PERSON I SPOKE WITH HAD TO LOOK ME UP BY LAST NAME 3 TIMES CALL TIME ALREADY AT FIVE MINUTES SHE MADE A SMART COMMENT BECAUSE I PHONETICALLY PROVIDED THE SPELLING YET THE OTHER TIMES SHE HAD NOT FOUND IT AND IMMEDIATELY THREATENED THAT SHE WOULD TERMINATE CALL SHE THEN FAILING TO PROVIDE HER NAME AFTER MY REQUEST AS SHE WANTED TO PREVENT HER NAME BEING MENTIONED IN ANY TYPE OF COMPLAINTS SAID SHE WOULD PASS ME TO XXXX IM ASSUMING HER FRIEND IN HOPES THAT XXXX TOO WOULD SHARE IN HER DISDAIN FOR ME I ASKED XXXX FOR THE PREVIOUS REPS NAME AND SHE RFSD TO PROVIDE I TOLD HER THAT THE REP HAD BEEN NASTY TO ME AND SHE THEN HUNG UP I CALLED BACK AND WAS THEN TRANSFERRED TO XXXX WHO IMMEDIATELY HAD A BIASED OPINION BECAUSE OF THE NOTES BY XXXX SHE THEN TOLD ME I WOULD ONLY QUALIFY FOR A 20 % OFF OF THE BALANCE AS A SETTLEMENT. I ADVISED HER THAT THIS RESPONSE WAS ONLY PROVIDED BECAUSE OF MY PREVIOUS CONVERSATION AND THAT THIS WAS DISCRIMINATORY IN NATURE SHE THEN SAID IF I PAID THE SETTLEMENT SHE WOULD NOT REMOVE THIS ITEM FROM MY CREDIT AT THAT POINT SHE HAD BROKEN THE FDCPA AND I ADVISED HER THAT SHE WAS TREADING DOWN A SLIPPERY SLOPE AS I AM AN INFORMED CONSUMER AND THEN SHE SAID I CAN NO LONGER HAVE A SETTLEMENT AND I COULD NO LONGER PAY AND THIS WOULD REMAIN ON MY CREDIT FOREVER AND TERMINATED THE CALL YET AGAIN. I AM MAKING THIS COMPLAINT AS THIS ILLEGAL ACT AND PREVENTION OF ME REMOVING THIS FROM MY CREDIT SHOULD BE PUBLIC KNOWLEDGE AND THE LEADERSHIP TEAM OF THIS COMPANY SHOULD BE AWARE OF THE ILLEGAL VERBIAGE IN THE USE OF THEIR COLLECTORS AS WELL AS THE FACT LETS FACE IT THEY REFUSED THE MONEY ISNT THAT THE SOLE PURPOSE OF A COLLECTION AGENCY I HOPE THAT CREDITORS THINKING OF PLACING THEIR BUSINESS WITH THIS COMPANY WILL SEE THIS COMPLAINT AND THINK TWICE I WILL ALSO BE FILING COMPLAINTS WILL THE OTHER AGENCIES PROTECTING MY RIGHTS IE ATTORNEY GENERAL AND CFPB
Product: Payday loan, title loan, personal loan, or advance loan

In accordance with the Fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In compliance with FCRA 605B, any incorrect accounts must be removed from my credit report. Could you verify the documents? There are inaccuracies in the reporting, amounts, and dates of some accounts.
Product: Mortgage

XX/XX/XXXX I purchased a property at XXXX XXXX XXXX XXXX, IL. XXXX. The lending company was Guaranteed Rate. In XXXX of XXXX I began the process of refinancing my mortgage with another lender. It was at this time that I learned there was a deliquent tax bill for this propery that was due. The property has two parcel numbers. Somehow the lender ( Guaranteed Rate ) didn't pay the tax bill on one of the parcels and there are now deliquent taxes for XXXX, XXXX. I have the warranty deed from the closing that clearly shows 2 parcels which I had to forward to Guaranteed Rate upon their request. I've been working with Guaranteed Rate since XX/XX/XXXX to get this rectified and this is hendering my ability lock in an interest rate with another lender. Also whatever penalties are associated with the deliquent taxes should not be my responsibility nor should my escrow account be penalized due to their over site.
Product: Credit reporting or other personal consumer reports

Experian & XXXX XXXX XXXX XXXX is breaking the consumer law pertaining to Acct # XXXX and any other accounts I've uploaded documents thats confirming and the law their VIOLATIONING IM DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX attacking my credit scores for their error -opted for automatic payments in XXXX 2017 -XXXX set it up incorrectly -The XXXX 2017 payment was not made ( I was not aware ) No warning. No notice. No contact until XXXX 2017. Nothing reported by them to the credit agencies that I was delinquent until XXXX
2017. When they told me I was delinquent I paid within three days ( I had to wait to get paid ) Now my credit has dropped hundreds of points and I want to seek legal action. Just gross incompetence.
Product: Student loan

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously counted my qualifying payments. According to their website, every month has counted as qualifying for TEPSLF between XX/XX/XXXX and XX/XX/XXXX which is XXXX, however, they only list XXXX in my qualifying payments. Additionally, My consolidation loan was disbursed in XXXX, however no payments were counted prior to XX/XX/XXXX. 
All payments have been on time. I began employment at The Ohio XXXX University XX/XX/XXXX. All employment has been verified. 

I filed for TEPSLF in XX/XX/XXXX, was then transferred to Mohela. spoke 3 times to Mohela representatives who assured me the 36 months would be counted, but they were delayed in counting TEPSLF-compliant payments. I ask the 36 months to be counted as verified which brings my count to XXXX qualifying payments for the program.
Product: Credit reporting or other personal consumer reports

Can you take a look at this account it does not look correct. The dates when the account was charged off .Also my name and address is incorrect on XXXX and Equifax as well as previous address are incorrect with some company for that I'm not apart of I had previously contacted them too let them know I had a debt consolidation company i was working with and they were apart of it and they automatically charged the account off and sold the account to an investment LLc.
Product: Debt collection

Back in XXXX I requested XXXX XXXX XXXX to validate/removed this account from my Equifax file. I never have an account with this company. Which this company responds was for me to send all my personal information for them to match it with their information. Which is not protected me or my privacy under federal Fair Credit Reporting Act ( FCRA ). I need this account removed from my credit file. This account has an invalid number account and invalid information. Which under federal Fair Credit Reporting Act ( FCRA ) is my right to request this company to removed this account from my file.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : DEPTEDXXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report XXXX Dear Sir/Madam XXXX XXXX completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had ONE late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Payday loan, title loan, or personal loan

Loan for Marcus Goldman Sachs, 36 months for {$210.00} @ 17 %. First payment was in XX/XX/XXXX. Auto pay so never missed. They have a program which you can defer a payment if you make XXXX in a row. I took advantage ONLY one time, XX/XX/XXXX which then extended my last payment instead of XX/XX/XXXX, would be XX/XX/XXXX. I have paid in XXXX payments leaving XXXX left. Amount would be XXXX x XXXX {$1000.00}. Yet as of this month, XX/XX/XXXX I still owe {$1300.00}. I know interest still accrued for XXXX, but seems {$300.00} + is high or amounts to an extra payment and a half. PLUS -- - from last month to this month I only earned XXXX cents towards the principal,. Im tired of the stay/work at homes, not very helpful and the one time I called, she didnt know, was gon na check, but got hung up on. Plus having problems -unable to look at my documents again online. 
" We will waive any interest incurred during the deferral, and extend your loan by one month ( you will pay interest during this extra month ) ''. Which would be {$300.00}! They should warn customers then of a possible high interest accumulation. 
P.S. I am shown to have a low credit score, ( possible?? ) but it is only because of my son making late car payment, which I am a co-signer.