23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Unfortunately I don't have all of the exact details because over time the documentation from this lease has been misplaced. I am complaining because my " debt '' has been sold illegally to a 3rd party company and did not give any consent to this. I am also complaining to the CFPB today because I was a hard working tax paying citizen when XXXX ruined my life. I lost my family members, my job, and my house. Not too long after that my car broke down and my life was spiraling out of control. I had an amazing XXXX score and I paid my bills on time before XXXX. 

My ex-girlfriend and I were evicted from our apartment due to not being able to fulfill our agreement due to XXXX restriction/lockdown rules. I have been trying to work with this company to understand that Virginia announced there was relief for renters and for certain amounts of time we would be exempt from having to pay our rent until further notice via the property we lived at. All places we not the same that's understandable. I'm complaining today because I want this removed off of my credit report. I was never given the opportunity to have any time between lockdown or when it started, to have any pause in our rent. How is that legal? to evict someone who cant go to work because of lockdowns implemented by the state of Virginia? 

I don't understand and that's why I'm looking to get this off of my credit report so I can rent a home again because this has been a reason for multiple denials for lease agreements due to this negatively effecting me.
Product: Credit reporting or other personal consumer reports

XXXXost a credit card in spring 2022, found by someone who used it to create debts in my name. When we refinanced our home tin the summer/fall of 2022 is when we found the charges by the thief. Tried to get it removed from the credit report but it's still in it as of today. Tried to report the ID theft to the XXXX police in 2022, no report taken because I live outside jurisdiction, Reported to XXXX police in 2022, same problem, no report taken crime was outside jurisdiction. State would not take because no police case number. Now I am being sued by a XXXX XXXX XXXX for not paying the ID thefts bill. whose address on the credit given in 2022 was " XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA. I have NEVER lived at that address and a XXXX Search using XXXX XXXX proves that. Because I now have a law in XXXX XXXX court to collect the debt, { XXXX # XXXX }. We have tried to get the thief off my credit reports but because we had no police case number more debts are being created by the person that found the lost card.
Product: Checking or savings account

On XX/XX/2023 a check was sent from XXXX XXXX  from my account to XXXX XXXX {$250.00}. I called the bank the same day and the agent that answered had very poor English and didn't understand what a substitute check was. She advised would forward my information and have someone call me back. Instead of a call she sent me a complaint form to fill out and email back to XXXX XXXX  at email address XXXX. I returned the completed form on XX/XX/2023, I waited 10 days to see if I received a response. I never received a confirmation of receipt or anything in the mail. On the XXXX day I went to XXXX and was advised XXXX called and requested the payment. XXXX was my previous daycare but we've sense terminated our interaction. At the bank the branch Manage insisted that XXXX called and requested the payment, said since I gave them ACH authorization that they could call and request a payment be sent to them in a form of check. I called the daycare and they insist no one has called and I have a XXXX balance. I also asked the bank manager if this was due to the NSF payment that went to my account from XXXX and he advised " no they called in and requested ''. I was very concerned because I cancelled the ACH with the daycare and wondered why XXXX would allow someone to call and just request a payment. They advised me the complaint I submitted was put in the incorrect workflow and they would fix it and I would hear back from them. I gave them another 10 days to respond or refund my money and they haven't done anything as of today. I am now reaching out to you in hopes you can help and help others if this is something XXXX XXXX  allows. 

Lastly, when I went to the bank, they weren't persistent with helping me but trying to insist it was my fault. They wanted me to fill out another complaint as they were trying to get me to date a new one so they could put it into the workflow and get rid of the one they know wasn't handled properly.
Product: Credit reporting or other personal consumer reports

TRANSUNION, XXXX, AND XXXX ARE REPORTING INACCURATE PERSONAL INFORMATION.
Product: Credit card or prepaid card

I opened a Discover secured credit card, deposited {$500.00} on XX/XX/2021. According to Discover, after 6 months of on-time paying on all my credit accounts, I can 'graduate ' to an unsecured credit card and receive my deposit back. It is now well over the 6 months and when I called I am told that no one, not even the supervisor I spoke to or anyone else above him, can know why I haven't gotten my deposit back. My account is paid in full every month. I have no other credit cards and only two car loans, which I pay monthly. I find this a predatory practice where the only way I can receive my deposit is when the auto check each month runs and says I can. Not one human at Discover can provide any insight, only look at what the screen says, which is not graduated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove these accounts from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I notice several errors and I begin to dispute them with XXXX each time the company has come back to me stating that the information has been verified as accurate. I then sent 3 separate certified letters to XXXX requesting them to provide me with information as to how the information has been verified but all of my request have been ignored. I have disputed these following accounts for the following reasons as well as provided documentation to verify the information as being incorrect but yet all they have done is continue to list these accounts as verified. 
XXXX XXXX - XXXX shows that this account was written-off for bad debt in the amount of {$20000.00} with a past due amount of {$7100.00} written off in XX/XX/XXXX which is incorrect. They have the terms listed as 78 months which is incorrect it is 75 months. 

I have also asked for verification documents for the following accounts : American Credit Acceptance they have the account opening date listed incorrectly. 
XXXX XXXX XXXX they keep allowing this company to change the amount even after requesting validation documents that have not been provided from both XXXX and these creditors. All of my request have been ignored. My rights have been violated under the FCRA. I am requesting immediate removal of these accounts. 

This has caused severe harm to my credit as well as caused me to lose my XXXX XXXX XXXX XXXX with several companies.
Product: Mortgage

On some of our mortgage payments only half was applied to our loan and some payments were not applied at all. Due to this we went into foreclosure and now we are being charged with more than {$120000.00} XXXX + XXXX in fees. In addition, last year we were approved for a loan modification, after requesting one for 4 years. We did not agree with the additional {$120000.00} XXXX + XXXX that was on the modification so we contacted Ocwen and stated our concerns. We had been making our monthly payments per the trial period but in XX/XX/XXXX of last year, 2014, we were NOT allowed to make any additional payments until the loan modification agreement was submitted. We then submitted the agreement along with a letter disagreeing on the amount Ocwen stated we owed. We then were charged with an additional {$4600.00} in fees again. We have contacted Ocwen several times regarding our concerns and Ocwen stated that we needed to show proof that partial payments were applied and/or not applied at all. We then submitted copies of our bank statements and even mortgage statements showing payments made to our then mortgage lender. Ocwen then stated that they were not the mortgage lender at that time so they could not do anything about it.
Product: Credit card

Hello, On Dispute Number : XXXX I had an American Express Agent call me and discuss the details on the phone. The first thing they said was " This is a recorded line '' and we continued our conversation. During that conversation the Agent said ( paraphrasing but listen to the recoding ), that the signatures do not match up.

They continued to deny me my refund because the merchant provided signatures for my disputes, but on the call the Agent admitted that none of the signatures matched up. So i supplied additional materials of the invoice they gave me with NO SIGNATURE at all just my typed name, and a letter of testimony from a witness and phone number to call to verify what happened. The recorded testimony admits ( they recorded the call ) that the signatures do not match up at all. They proceeded to ask for additional documentation which I provided. But at the end of the day they sent a letter back saying the merchant provided signatures and that is good enough. That is amazing to me after what the American Express Agent said on the recording. 

We are going to small claims court to resolve this at this point unless American Express decides to listen to the recording, look at the evidence I provided. The date is set for XX/XX/XXXX in XXXX XXXX. I really hope that whatever agent is looking at this listens to the call and realizes that nothing is adding up. They ask for additional materials which I then provided to them. This is getting redicilous that the XXXX not only is getting money from Me/Amex but also the Insurance, and I had to have the sugery RE-DONE in XXXX because they XXXX it and will XXXX XXXX XXXX XXXX XXXX properly ever again. 

This is insanity and I hope we can come to a resolution before I got to Small Claims Court to plead my case with my 20+ documents of evidence that proves this is fraud. All I get back it a letter saying the merchant shows signatures on the receipts. Even when they don't match up and are charged at random times. 

I can't stress this enough, they took my items when I want into the XXXX, then used my card when I was in the XXXX XXXX XXXX  and forged my signature. 

Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My correct date of birth is not reporting on my credit reports XXXX Multiple addresses are reporting on credit report, that is not my correct date of birth XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX 2 PLEASE XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting

One of the addressees on my report is not right. 
XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are showing a XXXX XXXXl amount of {$21000.00} on my credit report as closed. I also filed a claim with them and they responded with the item was being deleted off my credit but nothing is disappearing after 2 months and my updating the system. My social is XXXX, my name is XXXX XXXX.
Product: Debt collection

: I have medi cal Insurance and the y refused to take down information. Please advise to charge :  XXXX  NJ  XXXX   XXXX   XXXX  Member ID YHZ  XXXX  Member  XXXX  Provider  XXXX  Dental  XXXX  Pharm/Hosp  XXXX
Product: Bank account or service

Bank of America has, in two weeks time, tried to improperly take overdraft fees on my account with XXXX separate checks. The XXXX occurred when Bank of America charged my account XXXX day early for a monthly fee. After calling and complaining to a service rep, Bank of America admitted to the mistake and credited my account with the fee. The XXXX incident is far more serious. My check to the IRS for taxes was {$5900.00}. I sent this check in the mail on XXXX XXXX and it was cashed on the XXXX, thereby affecting my account. No check clearing days were given and my account was overdrawn. My paycheck hit my account on the XXXX, thus covering the check. The check to the IRS bounced, Bank of America hit me with a {$35.00} fee, and I now may be responsible for penalties to the IRS. Bank of America is now liable for any penalties that I incur as they provide no time for the check to actually clear as they do whenever I have a personal check issued. I ask the CFPB to investigate this incident thoroughly.
Product: Consumer Loan

I BANK FINANCED A CAR AT A CAR LOT CAR HAD PAPER TAGS PAPER TAGS EXPIRED SO I WENT BACK TO LOT TO GET PLATES TO FIND CAR LOT HAD GONE OUT OF BUSINESS THE NEW OWNERS GAVE ME OLD OWNERS NUMBER I CALLED HIM HE TOLD ME TO CONTACT BANK AND THEY WOULD GET ME PLATES WHEN I CONTACTED BANK THEY HAD NO IDEA LOT HAD GONE OUT OF BUSINESS AND STATED THEY WOULD OBTAIN TITLE AND PLATES FOR ME THAT WAS XXXX 2016 AND STILL AS OF TODAY I DO NOT HAVE TAGS FOR THE CAR SO I CANT DRIVE THE CAR OF PURCHASED XXXX/XXXX/16 BECAUSE THE BANK CAME BACK AND STATED THE CAR LOT NEVER COMPLETED THE TRANSFER OF TITLE FROM THE PREVIOUS PLACE THEY HAD GOTTEN THE CAR FROM SO THEY SOLD ME A CAR THEY DID NOT HAVE POSSESSION OF. IVE BEEN CATCHING THE BUS XXXX AND PAYING FRIENDS AND FAMILY TO TAKE ME HERE AND THERE AND BACK AND FORTH TO WORK MY CHILDREN HAVE BEEN LATE FOR SCHOOL ON NUMEROUS OCCASIONS AND ME AT WORK HOWEVER IM STILL MAINTAINING INSURANCE ON THE
Product: Debt collection

Pressler, felt and warsaw are trying to collect {$320.00} from me for a debt i paid already the full amount that trying to get all over again is XXXX i do not owe that amount for an old 19 yr old account that i paid already. Its for XXXX but whats funny is i have XXXX  services now. Pressler sent me a subpoena question application threatening and lying to incarcerate me if i didnt pay again what i already paid.
Product: Credit card or prepaid card

Applied to Wells Fargo for a active cash card which has a cash refund plus has a cash back for charges. Was approved immediately. When I received the card it was a reflect card which has no benefits. Called Wells Fargo many times but was always transferred with no results. This is a bait and switch scam. I do not want anything further from Wells Fargo, I am now only reporting this scam.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my XXXX XXXX and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 

Unlawfully reporting accounts in question : XXXX XXXX XXXX : XXXX : {$610.00} XXXX & XXXX XXXX XXXX : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : # XXXX, XXXX JXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # 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 containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

I switched my service over XXXX with the understanding that they would pay my cancellation fees XXXX. I cancelled XXXX and payed the cancellation fees and XXXX sent a prepaid card for {$240.00} to cover the cancellations fee. My problem is that the card expired last month, XXXX. I called to request a new card from Citi Bank and they told me they could n't give me a new XXXX as it had expired and I lost my all my funds. 

I called XXXX back and explained what happened and the agent told me to call XXXX and speak to Citi at this number. She said it should n't be problem and that I should be able to get a new card. So I called that number and spoke with the supervisor XXXX who explained that he could n't do anything and that the funds were gone. He stated that he could not do anything and that the card had expired and I lost my money. I explained that I read on XXXX that even if the card had expired I should be able to get my money. It states " If you have a prepaid debit card and the card expires while you still have money on it, you can request a replacement card to access the funds. '' It 's still my money at the end of the day. I paid {$240.00} to switch XXXX with the understanding they would pay for it. So I 'm still owed that money. XXXX then informed me that he could not do anything and that I 'm not entitled to a new card. 

According to the CFPB " The funds on a gift card will be good for at least five years, even if the physical card expires at an earlier time. If your card expires and there are unspent funds on it that have not expired, the issuer may give you a replacement card or give you the money by another means, such as a check. Either way, they may not charge you a fee. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

About a month ago, I got a letter from Bank of America, which issued my Visa card, telling me to expect a new credit card in the mail, because a some unidentified merchant apparently had a data breach.

I have called both BofA, and Visa, and neither will tell me which merchant mishandled my data. The BofA representatives tell me Visa wont tell them. The Visa representative tells me its a decision made by the bank that issued my cardin this case BofA. 

I want to know which merchant mishandled my data, so that I can stop shopping with that merchant. Put simply, I dont want to spend money with a merchant that cant protect my data. Yet neither BofA nor Visa will tell me. This seems wrong. 

I cant figure out any reason why the information about which merchant mishandled my personal data should be kept from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

cfpb complaint XXXX that was closed the loans XXXX is 7 years old and needs to be removed from experian report Company responded on XX/XX/XXXX On XX/XX/XXXX, we sent you a letter advising the XXXX trade line will remain on your credit report for seven years from the date the loan was paid in full. Your loan was reported paid in full or closed on XX/XX/XXXX. 

it has been 7 years experian should have deleted both XXXX trade lines here is the full companies response Company 's Response Dear XXXX, Thank you for your inquiry regarding your federal student loan account with XXXX XXXX XXXX. The Consumer Financial Protection Bureau forwarded your inquiry to us for a response. We take your concerns seriously and appreciate the opportunity to respond. As we understand it, you believe it has been seven years since your federal student loan data was furnished to the consumer credit agencies. You are requesting we remove the loan data. You had two federal student loans on behalf of the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. These include XXXX XXXX disbursed throught the XXXX XXXX XXXX XXXX XXXX XXXX. We approved your application for XXXX and XXXX XXXX XXXX XXXX XXXX Discharge on XX/XX/XXXX. On that date, you entered into the three-year, post-discharge monitoring period. On XX/XX/XXXX, we mailed you a letter advising you had successfully completed the three-year, post-discharge monitoring period and we permanently discharged your loans. On XX/XX/XXXX, we sent you a letter advising that we reported to the consumer credit agenices that your loans have been discharged. On XX/XX/XXXX, we sent you a letter advising the XXXX trade line will remain on your credit report for seven years from the date the loan was paid in full. Your loan was reported paid in full or closed on XX/XX/XXXX. Based on your request and the information you provided, we carefully reviewed your loan and the corresponding data furnished to the consumer reporting agencies. Under the Fair Credit Reporting Act, we have an obligation to ensure data we furnish to consumer reporting agencies is accurate. Our research indicates the data accurately reflected your loan status at the time it was furnished. If you dispute the accuracy of data we furnished, please provide your account number and details of your specific dispute, including the basis of your dispute and supporting documentation substantiating the dispute, to the address below. You can also email your dispute to XXXX. XXXX XXXX. XXXX XXXX XXXX, NE XXXX Once received, we will investigate your dispute and communicate the results of our investigation. We hope you find this information helpful. If you have any other questions, please call us at XXXX, from XXXX XXXX. to XXXX XXXX. ( Eastern ) MondayFriday. You can also visit our website at XXXX, or email XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Payment of XXXX was made on XX/XX/XXXX but has never posted. Contact attempts were made on the following dates ( averaging XXXX hours per contact ) XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX I always provided with a target date the payment should post but it continues to never post. I have email and written confirmation other payment.
Product: Money transfer, virtual currency, or money service

ON XX/XX/XXXX {$12000.00} WAS WIRED INTO MY BUSINESS XXXX. CHASE SENT ME A NOTICE STATING THAT THE MONEY WOULD BE CREDITED TO MY ACCOUNT THE SAME DAY ON XX/XX/XXXX. THE MONEY WAS NEVER CREDITED. I WAS NOT AWARE SOONER SINCE CHASE MAILED THE NOTICE TO MY FORMER ADDRESS THOUGH MY ADDRESS WAS UPDATED WITH THE BANK. WHEN THE AMOUNT WAS CLAIMED BY A CLIENT AND I CHECK MY BANK STATEMENT FOR THE MONTH OF XX/XX/XXXX, IT SHOWS THAT THE MONEY WAS NEVER PUT INTO MY ACCOUNT. I CONTACTED CHASE ON XXXX ; XXXX AND WAS ON THE PHONE FOR ABOUT ONE HOUR. I WAS TOLD THAT THE MONEY WAS NOT PLACED IN MY ACCOUNT BUT THE PERSON, XXXX COULD ONLY CHECK BACK FOR 2 YEARS. SHE TOLD ME TO GO INTO A BRANCH. XX/XX/XXXX I WENT INTO THE BRANCH IN XXXX XXXX, NY AND MET WITH A BANKER, XXXX WHO CALLED CHASE ALSO AND AFTER SPEAKING WITH THREE DIFFERENT PEOPLE, SHE WAS TOLD THAT THEY COULD ONLY LOOK BACK ONE YEAR. THEY GAVE HER ANOTHER NUMBER TO CALL. SHE GAVE ME THE NUMBER. WHEN I TRIED TO CALL FROM MY OFFICE, YOU NEED TO ENTER AN ID NUMBER, WHICH I DO NOT HAVE. 

CHASE KNOWS THIS MONEY WAS NOT PUT INTO MY ACCOUNT BUT DOES NOT CARE TO ADDRESS THIS. THERE IS A REFERENCE NUMBER AND AN XXXX XXXX XXXX NUMBER ON THEIR NOTICE TO ME BUT THEY DO NOT SEEM TO CARE THAT THEIR OWN BANK STATEMENT SHOWS THAT THEY NEVER PUT THE {$12000.00} INTO MY ACCOUNT.