23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX XXXX XXXX reported my account as 30 days late on XXXX 2015 when it was not late. I purchased XXXX items from XXXX XXXX and they cancelled my order, charged me for an item that was supposed to be free without informing me. I did n't know I had a balance because of it since I did n't get anything. I called XXXX XXXX regarding this issue and they realized it was their mistake so they offered to send me a gift card instead of putting it back into my credit card because per XXXX XXXX customer service rep they were n't able to put it back into my card. I paid the balance of the credit card then but I guess it was too late since XXXX XXXX reported my account as 30 days late to all credit bureaus. Balance was less than {$30.00}, I would have paid it if I knew about it and if they did n't mess me up. XXXX XXXX has notes in my account as well as XXXX XXXX. But none of them were able to help me remove this negative thing on my credit report which is 30 days late. I have been trying to improve my credit score because I am planning to get a house and my mortgage loan officer said that this 30 day late from XXXX XXXX XXXX XXXX is affecting my credit score.
Product: Credit reporting or other personal consumer reports

I have reported several disputes with you regarding XXXXXXXX XXXX  account you did not do proper investigation after multiple times and allowed this company to report inaccurate information to my credit you also allowed them reopen an closed account to change status and to continuously charge this goes against my consumer rights and this should be deleted off my report
Product: Vehicle loan or lease

This has been an ongoing issue since XXXX the vehicle was a XXXX XXXX XXXX and the vehicle was lemon that XXXX refused to take back after I brung the vehicle back the XXXX day and they told me they couldnt get me my money back basically forced me to keep the vehicle. The vehicle was burning up a lot of oil and then the engine went out after my last payment towards the car note so it was voluntarily repossessed. Now XXXX still stuck with this vehicle on my credit and it was supposed to be removed last month in XXXX. For years both companies have denied helping me and the vehicle was already sold they still want me to pay for this vehicle it was something to do with the piston rings and high oil consumption. I mailed out all of my proof to the recall address for XXXX and they claim they never received it and Ive just been getting the run away and dont believe its fair.
Product: Credit card or prepaid card

My Bank of America closed account Attention : XXXX XXXX Bank of America General Global Counsel. 
XXXX This horrible bank will not take my calls, ignores my request and when I log in states of you having problems making payments we are here for you and the statements which are complete banking violations and false! This is the one of many complaints Ive made. I was threatened if I went into a bank I would be arrested! I am not allowed to call Bank of America and no one will take my calls. Do I XXXX to go to an Attorney who took Bank of America to court or arbitration and take my case Pro bono. This is illegal to threaten me and not assist! This account t was closed by BOA and still charging me excessive fees and interest and asked to have zero interest and make smaller payments. I paid and kept the payments on time and have the nerve to charge {$36.00} late fee for one day late. Have another persons bank account on my profile. I reported as fraud to the State Attorney General and OCC since its a broker account that is not mine! I have asked so many time with proof in emails and ignored. I am dealing with incompetence and they simply keep closing out my complaints stating duplicate. This and my other complaints will go to an Attorney after this and this behavior and banking violations will not be tolerated. I am not an animal and will not be treated as such as this seems to be a personal vendetta against me. If you want to take this to legal please have XXXX XXXX reach out to me to proceed. If you think you can ignore and I am going away. I am not and will go every high official because I have done nothing wrong XXXX The worst kind of people at BOA and tired of being threatened! Not to contact your bank. Will not speak to me on the phone for assistance Law suit! For damages and mental stress, intimidation along with violating my rights a day banking laws. I have an unpaid balance which I am trying to pay properly and asking for assistance and stop violating my rights! When I called in prior my account was blocked and the games customer service played. All my calls were recorded with many emails to show my complaints. Horrible bank and very abusive.
Product: Mortgage

My husband passed away on XX/XX/2022. The home we shared was granted to me through probate court, however Fay Servicing , LLC is refusing to speak to me about anything having to do with the loan. My attorney sent an email stating they are required to speak to me. As of today 's date they are still refusing to speak to me until their own legal team investigates and my house has a default date of XX/XX/2022. I have been at this company 's mercy for the last XXXX months while they keep asking for more information or to prove my relationship which I have done via a common law marriage certificate and his death certificate. I'm at a loss on what to do. Please help!
Product: Vehicle loan or lease

I leased XXXX XXXX on XXXX. 
I paid {$2600.00} in down payment which includes the first-month lease amount. 
I entered all the details in their XXXX XXXX XXXX XXXX on the lease day correctly and I am attaching screenshot of it as well. 
I was expecting the first bill around XXXX. 
I haven't received it from Hyundai until XXXX. 
I called Hyundai salesman at the dealership who helped me getting the vehicle and he disconnected the call sending a text message " I will call you back ''. ( I have proof of the messages ). 
After a few days, I called him again to receive the same text message. 
I sent him a message explaining about the missing bill to explain the issue. 
After a few days, I called the dealership number and reached the finance team which went to the voice message system. 
This kept on happening and on XXXX, the car was repossessed from my apartment complex parking lot at the night. 
I thought the vehicle was stolen. 
I called Hyundai care to disable car movement if they can and they suggested to raise a police case and provide the case number. 
I went to the police station and they checked and told the vehicle was not stolen but repossessed. 
I called the Hyundai care again and told them about this and they gave number of recovery team. It is closed for Saturday and Sunday. 
Monday morning I called the recovery team and asked them I haven't received the bill and I was trying to reach the dealer and salesman but no help. 
They went through the records and found the mails sent to me were bounced back, they noted my email ID wrong. They were contacting my employer 's phone number which I don't have access to. I gave it when they asked for employer details. 
I haven't received any communication on how to pay. 
They told me I need to pay a {$370.00} repossession fee and a lot fee which came to {$210.00}. 
I asked to waive the fees because it was not my fault for not reaching the right number. I called my first point of contact ( Dealer ) and sales person at the dealer but no use. I have proof of the messages I sent to them. 
I pleaded them and left multiple voice messages to their manager XXXX XXXX but no use XXXX he never responded ). They know it is their fault but they say it is their process and I need to bear the {$600.00} for repossession charges. 

I created a complaint earlier " XXXX '' which was closed saying they reached me multiple times but the point is they tried to reach me on wrong phone number and wrong addresses which was not provided by me. 

I am attaching the screenshot of the details in Hyundai system where it shows the details are wrong. I have asked them to correct Home details which they updated. But before update, the Home, Billing and Garaging details are the same which are no where related to the details I provided in my documents.
Product: Checking or savings account

On XX/XX/2019, Capital One deposited and then reversed a check that I mailed to them. I had send two checks, one for {$88.00} and another for {$220.00}. The {$220.00} check is in dispute. My wife and I received a tax refund from Virginia State, and it was addressed to both of us. Both of us signed the check, and then I mailed it to Capital One. On XXXX XXXX, Capital One deposited the check, and then reversed the check. When I chatted with 'John ' on XXXX XXXX, I asked what the status was. He informed me that they won't deposit the check, as we don't have a joint bank account. However, based on what I can find and per prior practices, they will deposit the check as long as both parties sign the check. They are being discriminatory in refusing the deposit. Additionally, they are not returning the original check, but are only sending a copy. I have told them that they stole my fing check and aren't returning it. I asked multiple times, and they have failed to provide a written policy on why they did this. I have not received the check back. I believe they are discriminating against us, as they could not provide a written policy to back their actions.
Product: Credit card or prepaid card

My complaint is against : Vanilla Visa Gift Card ( Incomm ) XXXX XXXX XXXX, # XXXX XXXX, GA XXXX XXXX ; XXXX ; fax XXXX XXXX On XX/XX/XXXX, my daughter purchased online a {$500.00} Vanilla Visa card as a gift to me and my husband. She received a confirming email ( att 'd ) with an image of Card No. 
XXXX XXXX XXXX XXXX showing an " available balance '' of " {$500.00} '' ( att 'd ). This was a digital card -- no physical card was ever received. 

On XX/XX/XXXX I attempted to use the card for the first time to purchase a $ XXXX train ticket, and the card was declined as insufficient. I immediately called Vanilla at XXXX and was informed there were XXXX prior charges commencing XX/XX/XXXX through XX/XX/XXXX that totaled {$370.00}, leaving a balance of {$120.00}. I disputed the charges and was told I needed to file a formal dispute. Vanilla emailed me the form, which I completed and submitted to XXXX on XX/XX/XXXX ( att 'd ). Further, Vanilla put a " hold '' on the {$120.00} balance -- meaning I could not use the card for that amount. 

On XX/XX/XXXX I followed up with Vanilla and was told it needed 45-90 days to investigate. I requested that in the interim they send me a check for {$120.00} -- the balance on the card. I was told they could only do that if I closed my dispute. So, not only have they ripped me off for a {$370.00} they also refuse to send me the balance! 

On XX/XX/XXXX I again followed up with Vanilla and was to it was still " under investigation. '' I asked if they contacted any of the vendors, and Vanilla refused to give me any information and said it takes 90 days! 

Vanilla is obviously running a scam -- it is all over social media ( att 'd ). I only had a digital card, so this is not a case of data being scanned from a store shelf. Vanilla is either running a scam or has an internal problem -- either way, it is well aware of the problem and has done nothing about it. 

Further, I believe XXXX XXXX XXXX XXXX, is aware of the issue and has sat by idly while hard-working people are being ripped off and they are benefiting from fraudulent charges! 

I want my {$500.00}!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XX/XX/2022 XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/2022
Product: Debt collection

Not sure who this company ( CONTRACT CALLERS ) that is trying to collect a Debt in the amount of {$960.00} that is not owed.
Product: Debt collection

On a recent review of my credit report Wells Fargo auto has listed a fraudulent name and account. 
The identity fraud has started in 2006 and Im really irritated that this continues. My Wasband has initiated Various names under my Social Security
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, which I have brought to the attention of TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information, and as of the present date, they have not responded. I am providing the details of the inaccurate information and the required corrections below : Account : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Issue : This account was never late. Please correct/update this inaccurate information on my credit report. 

Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$8000.00} Issue : This account was never late. Please correct/update this inaccurate information on my credit report. 


Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Issue : This account is not mine. Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Account XXXX XXXX XXXX 1 ) XXXX 'collection agency ' has failed to respond and failed to validate this alleged claim in 30 days as required by law. Equifax failed delete false entry which has NOT BEEN VALIDATED according to law. Validation demand was sent via certified mail, XXXX XXXX XXXX USPS tracking # XXXX, and as of XXXX XXXX XXXX has failed to validate per this alleged claim within 30 days. ( Copy attached ). 2 ) Equifax made false written statement to the Federal Agency, Consumer Finance Protection Bureau on XXXX CFPB complaint # XXXX, *Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax reviewed the consumer 's credit file for previous dispute history but no recent dispute history was identified. *Equifax will mail the results of the reinvestigation within 30 days. Equifax has reviewed the complaint and its records. We show that you have not previously contacted Equifax regarding the items listed in this complaint. The items will be addressed through our normal dispute process and the results of the reinvestigation will be sent to you within 30 days. Consumer did in fact notify Equifax twice of their failure to notify consumer prior to reinsertion of previously deleted item which is not valid. 2nd Dispute mailed XXXX XXXX XXXX # XXXX 1st Dispute and deleted by EQUIFAX CREDIT FILE : XXXX XXXX XXXX Confirmation # XXXX Equifax failed to maintain reasonable procedures to assure complete accuracy in the information published to my credit report. Equifax has altogether failed to make reasonable investigation of this matter as required by law, Equifax reinserted previously deleted item without notification to consumer Equifax made false written statement to Federal Agency, CFPB. Consumer believes Equifax has made four violation pertaining to FDCPA and FCRA which are each entitling consumer to {$1000.00} per violation. *XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX ( XXXX ) XXXX has violated the law by continuing collection activities with Equifax while failing to respond to consumer 's right to validation.
Product: Money transfer, virtual currency, or money service

Chase closed my account, because they said they couldnt verify the check
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Has illegally listed an account on my credit reports. I have never entered into any agreement or received any services from this company. They have bought a file which has been illegally re-aged after previous collection agency removed it from my credit due to aging off and I have disputed this with the three credit bureaus due to them aggressively and maliciously continuing to report this account it has affected my credit rating and I have endured undue stress and ruined my credit rating.
Product: Mortgage

Wells Fargo transferred my mortgage to XXXX XXXX  XXXX and added {$2900.00} to my principal balance for fees they incurred in 2012 when they modified my loan. First, those assessed fees were rolled into my modified mortgage and they are trying to collect it twice by adding it to the transferred account and, second, they continue to insist that the loan was modified to a XXXX loan which is untrue. 

I have no issue with XXXX XXXX  XXXX, only with the fraudulent practices of Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$170.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account.
Product: Mortgage

PLANET LENDING IS NOT WORKING WTH ME AND MY SITUATION. I AM AWAIYTING AN APPROVAL FROM CA MORTGAGE RELIEF PROGRAM. PLANET LENDING SENT ME A MODIFICATION APPROVAL WITH A QUESTIONABLE PROGRAM THAT PUT ALL THE DELUNQUENT INTO A HOLDING ACCOUNT. I AM ASKING FOR ASSISTANCE WITH THE DELINQUENCY IF I SIGN THIS WITH MIGHT I ADD ONLY HAVE A WEEK TO DO SO I MAY MISS OUT ON THE GRANT FUNDS FOR HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started or was looking to start service with XXXX/XXXX XXXX XX/XX/2020. This process was initiated online and completed in the store. I contacted XXXX  for technical support and a representative started another account in my name. I called in to customer care several times and didn't receive any help, just kept being transferred from 1 department to another. 

Fast forward, early XXXX I received a notification from XXXX XXXX regarding a collection account. 

Trouble ticket # XXXX that was closed XX/XX/XXXX, confirms that they have the equipment for account # XXXX that wasn't authorized by me. 

Nice representative at XXXX  tried to help XX/XX/2020, but she said that she doesn't see where they reported anything to a collection company.
Product: Credit reporting or other personal consumer reports

I'm filing a general complaint about the inquiry process when applying for a loan. I'm XXXX XXXX XXXX with not a long credit history obviously, so every little detail/payment/inquiry impacts my score significantly. I'm currently looking into purchasing my first home, so a lender placed a hard inquiry for my pre qualifications. Since I do not have a lengthy history due to my age, inquiries when I'm shopping for a mortgage drop my credit score and result in higher interest rates which is discriminatory against young people. The credit scoring system is being presumptuous in assuming that because a lender inquires into your credit that you are all of a sudden going to irresponsibly open accounts. This presumption discriminates against people with short credit histories like young people and low income people, making their situations even more difficult when trying to acquire decent rates for credit accounts. Then a high rate with high payment continues to negatively impact scores, trending into a bad loop where we're trapped with a bad score for unfair reasons. My credit score has now dropped when I previously had a score over XXXX - this will now significantly affect my ability to get a house, which goes against everything fair consumerism should be. I also have an old checking account with a credit union I paid off and closed more than 30 days ago, but is still impacting my score significantly despite placing a dispute that was " resolved '' - simply because I do not have a lot of credit still. The system is heavily flawed and unjust.
Product: Debt collection

During the pandemic I was living in an apartment complex, and unfortunately like many people I lost my job. I only had a short amount of time left on my lease, and unfortunately I was unable to make my monthly rent payments since I had no income whatsoever. 
Instead of being shady and squatting in the unit waiting for an eviction, I did the right thing and went to the management office and explained my dire situation. We worked out that they will use my last month 's deposit and security deposit and will allow me to clear the unit before the end of the month. By the first of the following month, they had already had the unit occupied by another renter. Meanwhile I was living back home with my parents until I was finally able to get back on my feet and get my own apartment. Imagine my surprise when I am being harrassed now by debt collectors trying to collect now {$7300.00} ( originally they tried to collect {$3200.00} ) from both myself AND my roommate ( XXXX unit both on lease ). At the time of us moving we had only owed 1 months rent and it was paid for with the deposit and last months rent as per the agreement we had. Now with this false collection harming my credit and impacting my credit score so significantly I am unable to move into any apartment building as they are afraid because of this collection account. This is a false collection account and especially this absurd amount. I ask that this be immediately removed from all credit reporting.