23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I took 2 predatory title loans out, both with the same company, OneMain Financial. The first loan was for approx. {$2000.00}. On my credit report, my first loan with OneMain opened XX/XX/XXXX. I paid about half ( {$1000.00} ) off, and then I needed money again, and they had been urging me to take another loan out, so I did, taking another {$1000.00} out. They had always been super nice to me, and I was good about keeping my payments on time. I took the second loan ( according to my credit report ) on XX/XX/XXXX. Looking at my credit report, they wrote the first loan off as the second loan would be a refinance since I still had an amount of XXXX still to pay. Everything was pretty good until I started to run into financial hardship, with my son being XXXX XXXX XXXX XXXX which then took money away from me in XXXX  XXXX. I suddenly could only afford basic things on my fixed social security income. That is when OneMain got really irrational, and then they started to call me multiple times a day and essentially harass me to pay back my debt. I told them multiple times that I could not make my payments anymore, and told them to repossess my car. I had a second car, so it didn't really matter. They kept on harassing me and harassing me until about XX/XX/XXXX. They would call as early as XXXX, and then as late as XXXX. They always harassed me by saying that if that I got my car repossessed ( like my wishes ) that it would destroy my credit. On the last few calls, they started to threaten legal actions ( civil lawsuit ) and that they would have the ability to garnish what little I already have. They finally stopped calling, like I said, in XX/XX/XXXX, to only find out that my account is closed apparently. I don't exactly know what this means, as they did send notification of that they were closing my account, I didn't know what they exactly did, until about a few months ago, when I looked harder at my credit reports, and OneMain closed the account with the remark " purchased by another lender ''. No other lender, or anyone, has notified me about my status. Now, I am trying to get rid of the car that has the lien on it, and I am trying to see who has the title, and my state BMV says that OneMain still has the title as a lienholder, even though my credit report says that they sold my account to another lender, and then OneMain also has closed my account clearly with them. No other lenders are showing on my credit report, only the ones that I know of. I am really confused, and when I try to access my online account with OneMain, they also say that I don't have any accounts with them. I don't know who to contact, and also I don't know how much my loan was sold for, or really anything.
Product: Credit card

I have been unable to file a charge dispute on my Bank of America app for months. I have called Bank of America customer service many times but they never provided any solutions to it.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in 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 : 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 Experian XXXX XXXX XXXX
Product: Credit card

This agency is reporting an account on my redit profile which does not belong to me
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UNIT XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Dispute - Fraudulent Account Reporting Account Number : XXXX Dear TransUnion XXXX XXXX, I am writing to formally dispute a fraudulent account that XXXX XXXX XXXX is reporting under my name. This account was opened without my authorization and is a clear case of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you immediately block this account from my credit report. According to the law, credit reporting agencies are required to block fraudulent information within XXXX business days of receiving appropriate documentation. 

To support my claim, I have enclosed the following : Identity Theft Report - Filed with Federal Trade Commission. 
Proof of Identity - Copy of my Driver 's License & Utility Bill Copy of My Credit Report - Highlighting the fraudulent account CFPB 's Notice XXXX XXXX XXXX XXXX - Confirming my rights under FCRA I expect written confirmation from TransUnion once this fraudulent account has been permanently removed from my credit file. If any further information is needed, please contact me immediately by mail. 

Please consider this matter urgent, and take immediate action as required by law. 

Sincerely, XXXX XXXX XXXX Enclosures : ( as listed above )
Product: Credit reporting, credit repair services, or other personal consumer reports

there is various lines not being reported correctly, there are various lines reporting the wrong information. All agencies should be reporting the same information : Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured Secured credit card XXXX XXXX : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$290.00} {$290.00} {$290.00} No. of Months ( terms ) : 0 0 0 High Credit : {$460.00} {$460.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Secured credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ACCT HISTORY is not reporting correctly
Product: Payday loan, title loan, or personal loan

XXXX was not given to me as XXXX XXXX. XXXX was approved to XXXX XXXX. They approved a loan to a dead man. I am not dead. I XXXX XXXX is still alive. XXXX XXXX is the deceased man they approve the loan to. I XXXX XXXX would like for this to be off my credit report from Speedy Cash.
Product: Checking or savings account

My Citibank daily limit for XXXX is {$500.00}. I never used XXXX on the account before so I sent {$1.00} to my other checking account in XXXX XXXX which went through successfully. I saw it was successful, so I tried to send the rest, {$490.00}, and they froze my account. They provided a phone number to call, I called it and verified all of my information. They said they need to send the request to their back office which can take up to XXXX hours. I can not wait XXXX hours for my money because I have two young children who need to eat.
Product: Mortgage

I have a mortgage through Wells Fargo i took out in XXXX and was rate modified in XXXX that has a PMI of XXXX attached to it. On there website it clearly states that when the LTV ratio hits XXXX % the PMI is dropped from my monthly payment.Also on their website, they have a tool that monitors your loan to value everytime you make a payment. I monitored my payments and in XXXX my loan to value ( LTV ) ratio hit XXXX % i contacted Wells Fargo about dropping the XXXX from my monthly payment. They said they would review the loan and notify me.Instead of lowering my payment they said my loan to value was now XXXX % and i would have to continue to pay the additional XXXX a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, # XXXXXXXX XXXX XXXX XXXX account titled XXXX  XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

Hi, On XX/XX/2017 Bank of America send a wire transfer on my behalf in the amount of {$11000.00} to XXXX XXXX, a bank in XXXX. The recipient name in XXXX is XXXX XXXX. I spoke with XXXX XXXX on numerous occasions and he said that the money has not been received since XX/XX/XXXX of last year. I then asked Bank of America to recall the money since XX/XX/2017 and they have not been able to retrieve the money from XXXX XXXX in XXXX. The Case # at Bank of America is XXXX. I have exhausted every avenue in trying to get the money refunded back to my account since XX/XX/XXXX of last year. I spoke with a representative at Bank of America, they said the money was first send to XXXX XXXX, then to XXXX XXXX in XXXX. The recipient said he never received the money. So who has the money,, XXXX XXXX or XXXX XXXX? This is a huge some amount of money and I can not afford to loose it. Please help me retrieve the money. 

Thanks for your help.
Product: Checking or savings account

Few years ago, i used to have a joint account with my ex-wife ( we divorced already ), she added me to her bank account, while we were married, but then the checking account was closed and i have been unable to open up a bank account and keep it open, everytime i try it get denied.
Product: Debt collection

Good day and thank you for reviewing my complaint. 
Recently I checked by credit report and found that the company XXXX ( now with collections company Convergent Outsourcing ) had put a derogatory marking on my report regarding an account I had with them that ending in XX/XX/2018. I have documentation showing I paid for my monthly service as normal however the last payment that I made to them ( on XX/XX/2018, screenshot of a text confirmation is provided ) was never reflected on statements thereafter. I cancelled by service with XXXX 4-5 days before my next billing cycle would begin. In essence, I should have had a prorated adjustment to my account and that didnt happen either. I was no longer in contract for mobile service with XXXX and I didnt have cell phones that were in contract with them either. I have enclosed copies of my XXXX statement, copies of my XXXX statement showing when I transferred service and a screenshot of the text payment confirmation. I talked with someone back in XXXX after cancelling my service and thought this was resolved. I have no idea why 2 years later this showing up on my credit report. This issue has put a negative baring on my credit report and am furious about it since I am in close marking to having excellent credit. This report made my rating go down XXXX points! I dont believe I owe XXXX anything thing. I would be greatly appreciative into looking at this dispute and discrepancies. Thank you in advance for your time and research.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to get this debt verified by Trans Union and they just keep saying it was verified. I have know knowledge of this account and Debt collector or Transunion has yet to show any legal document that this collection belongs to me. I have requested for this item to be removed from my credit report on multiple occasions.
Product: Vehicle loan or lease

I have attempted to reach out to XXXX XXXX & XXXX XXXX numerous times about the account that has been reporting to my credit report. I also have sent in plenty of disputes regarding fees, regarding, payments, and credit reporting that I have yet to get resolved, I also attempted to reach out to this company via phone XX/XX/2022 with no type of resolution/explanation of such fees. It is my understanding that I am entitled to a signed contract of such account, I want a breakdown of fees and dates. i was given a computerized response status as updated or verified when no way this is correct.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters disputing the late payments reported on my credit card account with this company, referencing the Fair Credit Reporting Act under - Timing of payments and - Permissible purposes of consumer reports.

According to the Fair Credit Reporting Act, a creditor may not treat a payment on a credit card account as late for any purpose. 
My records indicate that this company has reported late payments without the proper XXXX  day notice on top of the fact that this is/was an open ended credit account. Please correct this immediately.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX, has been sending me collection notices in the amount of {$250.00}, The collection has been reported as past due. I don't know this company, I have never done business with this company. This company does not have a contact with my signature.
Product: Vehicle loan or lease

In XX/XX/XXXX, we purchased a XXXX XXXX XXXX. Many companies were sought out to finance the vehicle. Therefore many inquiries are on our credit report. Capital One Auto Finance was chosen at a whopping XXXX percent interest rate. We made our payments on time since then ( beginning XX/XX/XXXX to present XX/XX/XXXX ) We were told by the dealership that if 6 months of payment were made, our interest rate would lower significantly. Our credit score would be significantly higher without a payment of {$490.00} if Capital One would lower their rate, considering our excellent payment history. 
We have received other offers from various loan companies however they are wanting to start over the lease that does not improve the financial situation we are in. Having XXXX XXXXXXXX XXXX, my doctor advised to move from Colorado to a lower altitude to live longer. We can not do that under these circumstances. You may reach me reach me at ( XXXX ) XXXX via text with a possible resolution to this matter. Thank You.
Product: Credit card or prepaid card

On XX/XX/2022, my Bank of America credit card must've fallen out of my pocket. I was in XXXX on the XXXX XXXX. I still used my card through my phone 's digital wallet for the subway that day, not knowing that the physical card was stolen and being used to make unauthorized purchases. - When I realized that evening, I checked my banking app and saw XXXX transactions on the card that I did not recognize, totaling {$340.00}. I paused the card and reported it. - I filed a fraud dispute and thought everything was settled. Then I received a letter on XX/XX/2022 informing me that the claim had been rejected because : " The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' - There was no PIN for the credit card so it could be used by anyone who picked it up off the sidewalk. And if Bank of America had bothered to actually look at the signatures, they would find that the signature was not mine. - I can no longer see the specific establishments that the card was used at because they are all blanked out with " Fraud Dispute '' on my bank statement. But the thief made purchases at various pharmacies, restaurants, and stores in XXXX within the span of a few hours on XX/XX/2022. - My BoA claim number is XXXX. 

Thank you, XXXX
Product: Credit card or prepaid card

just start to notice this started cant really say when it started when my mother and brother pass when we recieve they life insurance money my gmail account information was tamper with which the email account was XXXX I am and over the round truck driver I also notice round the same time my card information and bank card was used which made me check my account and i notice someone had access my phone information cant just give dates because someone has been getting money and using my cards since 2017 the reason i never notice is they was taking it peace by peace and access to my phone information i cant access my phone information had to change number because someone tryed to access my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax for account XXXX XXXX on XX/XX/XXXX. How is it possible for them to complete their investigation XX/XX/XXXX confirmation number XXXX. When their website and the FCRA states a reasonable investigation takes 30 days. 

Please see attachments.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX Account XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.
Product: Checking or savings account

I've a totally XXXX son XXXX yrs of age, my ex-wife was his legal guardian but past away unexpectedly XX/XX/2022. Myself his father and current wife have since been appointed by the court of XXXX XXXX WI as his new legal guardian 's we've provided Chase Bank with copies of the court documents and copy of her death certificate including copies of her guardianship. We currently reside in XXXX NC and are trying to get my son relocated to NC from WI, he's currently in a XXXX XXXX  due his condition, he has severe XXXX XXXX unable to speak nor do anything for himself. We've made four trips to the Chase bank in XXXX NC over the past 3 month attempting to get his acct either transferred into our names or closed. It's a 40 minute drive one way from our home to the bank, they don't return phone calls and won't tell us why they won't approve our closing of the account or grant us access to it. We keep getting conflicting information from them. This has held up him getting his payments from social security. We've since opened an acct for him with us as his guardians at XXXX XXXX XXXX  and just now received a deposit from Social Security. 
However there's still an unknown amount of funds in the Chase bank checking account they're refusing to allow us access to. My wife and I have been trying since early XXXX to get his banking in order and are fed up with their lack of response to this issue, please help us because we don't understand why this is such a problem with them and it's gone on far too long, my son needs his money to help cover the cost of transport here to NC to be closer to us. Thanks in advance for any and all assistance you may provide,
Product: Credit reporting or other personal consumer reports

This Complaint is being filed against Equifax regarding the Data Breach and the failure to investigate and verify the account listed with XXXX XXXX XXXX Bank Account XXXX : XXXX I'm asking Equifax to remove this account listed effective immediately also under the FCRA 15 U.S. Code 1681o - Civil liability for negligent... 
XXXX XXXX XXXX https : XXXX... XXXX XXXX Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer. 

along with the FCRA 605 ( B ) This account should be removed within XXXX Business Days.
Product: Mortgage

I am tired of the the way my loan is being handle by Bank of america. I submitted a new modification packet since the beginning of XX/XX/XXXX and today I called to make sure they have everything in. I was told they have not received anything I got very upset because I fax my documents to three different fax numbers so this would n't happened.the specialist provided me with another fax number. I told the Agent I  have an active sale date and is urgent for Bank of america to get my documents so a new review can start. I am very frustrated that I am doing everything I can to work with Bank of america so I can be provided a resolution. But I feel Bank of america is purposely prolonging the case so my home can finally foreclosed. I am making enough to be provided an affordable trial payment. My intentions are to keep my home. I will do whatever it takes to show Bank of america I want to be current once again. The previous trial payments was completed it 's showing I am able to afford my mortgage payments. The only thing that I did n't complete was the contribution I was being asked to pay {$6000.00} to bank of america. Those were funds I dont have available and I explain all of this to my specialist and still Bank of america refused to work with me. Now I was forced to reapply, and that is what I have done.
Product: Credit card

We live in an age were corporations collect all types of data on their customers, and I believe that Chase is using this data to conduct financial discrimination. Chase bank is specifically discriminating against me by giving me less favorable interest rate terms because of protected class and my race. I have contacted Chase by phone multiple times regarding these unfavorable rates and their practices and no one is willing to help. 

I am a XXXXXXXX XXXX with a credit score above XXXX with all three credit bureaus and substantial monthly income. Chase has rewarded my achievements with their HIGHEST interest rate for the XXXX XXXX XXXX credit card. As a loyal United Airlines customer, the Chase Credit cards are my only option to build miles and status which is why Ive decided to make this complaint. 

Chases business practices of financial discrimination seems to be so systemic that they do anything to keep protected classes in financial debt. My Chase Credit Card interest rate current sits at 28.99 % and Chase refused my requests to reevaluate my account to reduce my interest rate. Instead without my consent, Chase thought it was wise to increase my credit limit by {$5000.00} at the same 28.99 % interest rate WITHOUT my consent. In addition, Chase applied my {$10000.00} XX/XX/2024 payments to the " Pay Over Time '' charges that have a 0 % interest rate instead of the charges on the account that have a 28.99 % interest rate. 

Chases practices are unfair and predatory and it needs to stop.