23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4800.00}
Product: Credit reporting or other personal consumer reports

I got a new XXXX through XXXX XXXX XXXX  on XX/XX/2023. On XX/XX/XXXX I made my first payment through my personal account in XXXX XXXX XXXX since I am able to see all my personal accounts including my XXXX XXXX XXXX  account through Online banking. 
After that, I create the payments through XXXX XXXX in my Business account XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I always pay my cars through my business account not personal account. Since my previous XXXX car was through XXXX XXXX, this payment was already created. I modified that automatic payment and added the XXXX XXXX XXXX  account number but inadvertently did not make the change from XXXX to XXXX, therefore even though the payments were created and sent with the correct XXXX XXXX they were sent as a check to XXXX instead of XXXX XXXX a completely mess ). On XX/XX/XXXX and received an email that my car account was past due ( I did not receive an email prior to this or by mail ). I contacted BOA right away and they said that my account was paperless and that they do not understand why I did not receive an email or phone call prior to that. I explained the entire situation to them but of course they said they understand it was a mistake and that they already reported me to XXXX and I need to fight this with them. They say they will add the notes of what happened on my profile that way when XXXX contacted them, they were able to explain but they can not call XXXX on my behalf. I have been fighting with XXXX since that trying to figure out where the payments are and to obtain the XXXX XXXX XXXX.
Product: Student loan

I am writing to express my deep concerns about the predatory practices and poor customer service that I have experienced with your company. Based on my personal experience and research, it is clear that your company intentionally makes it difficult for borrowers to access their account information, apply for loan modifications or refinancing, and receive accurate and timely responses to their inquiries. 

Specifically, I was locked into a high interest variable rate loan and given false information on repayment options. I have also experienced unresponsiveness from your representatives and received conflicting or misleading information when trying to seek help. This has left me feeling frustrated and hopeless about my ability to repay my loans. 

Furthermore, I am aware of the several legal cases and investigations brought against your company, including the 2014 lawsuit by the Consumer Financial Protection Bureau ( CFPB ) and lawsuits from several state attorneys general. These allegations of excessive fees, misleading information about loan terms and options, and failure to properly process payments are deeply troubling. 

It is unacceptable that XXXX and innocent borrowers like myself are being taken advantage of by predatory practices. I urge your company to take immediate action to address these issues and provide better customer service to borrowers who are struggling to repay their loans. 

Thank you for your attention to this matter.
Product: Debt collection

The company called several times, including twice to my office, leaving messages with various employees, including our sales staff. I spoke with the collection on XX/XX/2020 and told them at that time I was not permitted to take personal calls at my office, especially messages to random employees. Since their name has Collections right in it, its not difficult for them to figure out what the call is about. They have since contacted my office again, after warning that this is expressly not permitted in our policy.
Product: Money transfer, virtual currency, or money service

Another issue with blockchain. They closed my account because it was compromised with my my money still in my trading account wallet. I talked with them via email about it and the asked me to create another account and the instead of actually verifying the new account with my ID on the mobile app, I would need to verify it by replying to that email with a selfie of me holding My ID card and also a paper with the written words that contains my birth date, bitcoin price that very day and my new wallet ID to verify I own the account and after that, they should confirm and r Move the bitcoin from my old locked and compromised account to the new account I created. They asked me to reply if I had further questions about it which I did since XXXX of XXXX and they never responded to me since then. I can't complete the new account and verify it unless they respond to me and the email conversation is live and active. It seems they closed our conversation and I just reopened another ticket for the same issue and they never respond to customers complain. Please I need to get my new account sorted to get the btc in my old account into the new one. I'm a XXXX XXXX XXXX lady with not much patience left. I created a new complaint 3 days ago and here 's the ticked. I need it addressed. Here 's the new blockchain complaint ticket number from them # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX AUTO LOAN: ACCT XXXX LOAN XXXX: THAT LOAN SHOULD ONLY BELONG TO MEL SOLE OWNER AND NOT WIFE. XXXX XXXX: XXXX DOB XX/XX/XXXX XXXX XXXX XXXX" XXXX DOBXX/XX/XXXX (SHE HAS BEEN REMOVE)
Product: Vehicle loan or lease

My father and I tried to purchase a car from a dealership called XXXX XXXX in XXXX, FL. I had to get a loan through a bank to help with the purchase of a car and the guy from the dealership told me that I got accepted for a monthly payment of {$380.00}. My father was living closer by the dealership at the time. So he went there to make all of those payments such as the down payment and whatever other fees that needed to be taken care of. I was in Kansas at the time so when it was time to sign the contracts it had to be done by mail. The guy from the dealership sent me the links through email to print out and sign to send it back. I never got anything reported to my credit account until XXXX month later when the dealership received it. By the time the contract reached the bank and my first actual statement came in that was when I realized that something was wrong. I contacted the bank and asked them to send a copy of the contract they received from the dealership. When I received it I noticed it was a completely different contract with a completely different price and the dealership forged my signature on that new contract. I have tried to report it to both companies the dealership and bank, XXXX months have passed and no one is doing anything about it. I contacted the bank to see if there was anything they can do to help and they said all they can do is file a report and go from there. The bank i am financing through is called Lobel Financial. They still forced me to make those payments by threatening to repossess my car. So in order to make sure that doesnt happen I made those payments for the car. After I made my first actual payment they decided to report to my credit account as a delinquent account literally the day after i made the payment. A couple days later i pay the rest of the amount that was owed on the account. And the day after i completely pay off what I owe they decided to repossess my car with no warning. On XX/XX/2023 when I made the first payment it was over the phone with the bank and the guy I was on the phone with told me that they canceled the repossession and that I had until XX/XX/XXXX to pay the rest before they go and try to repossess the car. Then 4 days later on XXXX XXXX I paid the rest that I owed. I got both confirmation emails from both payments saying how they were approved. Then on XX/XX/XXXX around XXXX they repossess my car with no warning and no reason why. I tried calling them but they do not pick up the phone. Now I have to wait all weekend to contact the bank since they are closed on the weekends and try to get my car back. I have text messages, receipts, and statements to prove all of this is fraud.
Product: Debt collection

I completed my whole lease agreement with every payment on time and gave notice 60 days before my lease expired. I do not know this agency anything and feel this is a scam. I called the original complex and they have a whole new staff with no data at all. Please help assist me. This is not right or fair when I did what was called on me to do.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 which was my latest certified letter sent, I updated my personal information with these credit bureaus. Its been OVER 30 days. No information has been corrected. This is stopping me from getting employment and into a new vehicle. I just had a baby 4 months ago this is a hindrance. Because by law this information shouldve been updated. Also my information was sent to a collection agency that I have no contract with. That is a breach of my privacy and against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. 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. These are the items that needs attention : 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: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 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 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: Mortgage

Our mortgage terms call for monthly payments. However, I prefer to make bi-weekly payments in order to reduce interest and pay off the loan sooner. There is no penalty for early payoff in the mortgage terms. The payments total just over the amount of the monthly mortgage payment. We have never had any late payments on our mortgage. In fact, we are generally ahead in payments by a month 's time. 

This worked out fine until our mortgage was purchased by another company ( LoanCare ). I generally send payments via my bank 's Bill Pay feature, which mails physical checks. The new company began applying the bi-weekly payments as " principle payments '' rather than " regular payments ''. This requires me to call every month and have them alter the payments in their system, otherwise they considered it a missed payment for the month, even though I had paid MORE than the regular mortgage payment! I've requested multiple times that they apply any and all funds I send to " regular payments '' first, then any additional funds towards the principle. 

They have repeatedly refused to apply the funds I send as a regular payment, stating that their " system doesn't allow partial payments ''. To that point, they don't allow partial payments via their website for " regular payments '', but they DO allow smaller payments towards " principle payments ''. This means that they are absolutely capable of accepting lower payments. They are making a conscious choice not to apply them to " regular payments '' first. They have specifically created a system that makes it impossible to make payments in a way that reduces your interest rate without having to make a double payment! Since there is nothing in the terms of our mortgage that prevents payments from being applied in the way that I prefer, their non-acceptance of my funds towards " regular payments '' is a violation of the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$900.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXK ) XXXX Balance : {$660.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$460.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX  XXXX XXXX XXXX : {$83.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$73.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  {$60000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2300.00} 09 XXXX XXXX Opened XX/XX/XXXX 2019
Product: Credit reporting or other personal consumer reports

I have been recently informed that there is negative information reported by the bureaus. 

XXXX : 1. Account Name : XXXX Account XXXX : XXXX 2. Account Name : XXXX Account Number : XXXX 3. XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Experian : 1. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 2. Account Name : XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX 5. Account Name : XXXX Account Number : XXXX 6. Inquiry Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX : 1. Account Name : XXXX XXXX XXXX  Account Number : XXXX 2. Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 3. Account Name : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 5. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX 7. XXXX XXXX : XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ALL " XXXX  '' ACCOUNTS ARE DEFERRED UNTIL XX/XX/XXXX. THE CREDIT REPORT SHOWS XXXX.
Product: Credit reporting or other personal consumer reports

I was given information that NFCU has XXXX accounts on my credit report that have the same balance, same opening date, and same amount due, but different account numbers. What I have with NFCU currently is a XXXX XXXX loanXXXX XXXX XXXX XXXX  checks, and XXXX savings. The XXXX loan I have with NFCU was transferred and Ive had problems with NFCU since. In additionally, I was told this is an error on NFCUs part. I request that this be corrected immediately. Ive had this problem with NFCU on another account as well and because of this and another error, I believe this is being done intentionally. Why? My first guess would be malice. NFCU deliberately placed a negative comment on my report. After extensive investigation this was not being reported to the three major credit bureaus, but to a third party which made it difficult to find out Where this was coming from, and each request for a loan from NFCU was ALWAYS rejected. Until I searched to find out why, I found this negative report given on an account that I had no late or missing payments. XXXX, I never even consider using skip a pay. This has since been corrected but it took two days of my time!. Whoever is in charge of making these deliberate errors with intent and malice reflects on how NFCU will be analyzed by potential future and existing customers, I am forwarding this request as well.
Product: Checking or savings account

Case number : XXXX Account number ending in : XXXX In early XXXX I submitted a claim against XXXX for {$1700.00} because they refused to give a refund originally when I submitted a claim with them. I had to call Wells Fargo to submit a dispute due to no return of service and they temporarily credited my account. Now fast forward, XX/XX/XXXX I received a letter in the mail stating that the claim has been resolved and they would reverse funds on XX/XX/XXXX. On XX/XX/XXXX I called in to Wells Fargo to ask them if they could pull funds on XX/XX/XXXX or XXXX, that way it doesnt interfere with my bills and I can also make sure Wells Fargo gets their money. They submitted a request and when I called in the next day XX/XX/XXXX, they said the request was denied. Now fast forward to XX/XX/XXXX {$1700.00} was drafted from my account. I called in to make a dispute because I didnt know who was pulling money from my account. They informed me that this occurred because of the reversal of credit and then I brought up to them that now my business account is in the negative. This is unacceptable because I was properly handling this from the beginning to make sure My account would not go negative and make sure Wells Fargo was financially taken care of too. I have a phone call verifying that Wells Fargo did a call review and did confirm that I called in to try to have them take the payment out XX/XX/XXXX or XXXX and they denied it. Yet two months later they could just randomly pull out {$1700.00}. And now Im not sure when that money will be paid back because I didnt plan for it and currently on XXXX XXXXXXXX because my XXXX XXXX XXXX XXXXXX/XX/XXXX. This is crazy to me that when I try to properly handle this to make sure Wells Fargo is taken care of, they can deny it but are allowed to take out money whenever from my account without any notice?? 
I also called in multiple times to speak with a supervisor named XXXX and I asked her to send me the disclosure where it states that this is an acceptable thing for Wells Fargo to do and she refused and said I could just look it up online and she ended up hanging up on me. I told her how upset I was that Ive been a customer since 2012 and this is the response that they give for someone thats been a customer in good standing for over 10 years.
Product: Mortgage

I am reading my payment statement and it looks like I am making bi-weekly payments, but the first payment is held somewhere and it is not being applied to the mortgage payment until the second payment is collected. If i am reading my statement correctly, Payment 1 is taken from my savings/checking account and held somewhere ( that i do not have access to ). No interest is paid on that money, but interest continues to accrue on the mortgage. Then 2 weeks later, payment 2 is made, and then - and only then- both payments are applied to the mortgage. 
This is an insane arrangement that no one in their right mind would think is OK. the money from the first payment is out of my control, presumably put in another account, and not applied to the mortgage? I receive no benefit, but do receive the downsides of not paying the mortgage, continuing to accumulate interest on the mortgage, not getting interest on the money in my account, and running the risk of overdraft fees. 
I have also made supplemental payments that are marked for 'interest only. ' Are these payments also held in this account that i have no idea about until the end of the month, or are they properly applied to the mortgage when I make them?
Product: Mortgage

On XX/XX/2021 I received notice that my escrow account was short {$3900.00}. Which this does not seem to be accurate. I then received my new monthly mortgage statement showing my new monthly payment was doubled and starting on XX/XX/2021 my new payment going forward is to be $ XXXX.I did some investigating and I believe the escrow shortage has been grossly miscalculated. The Specialized Loan Servicing company that is handling my mortgage now will not pick up the phone and I have remained on hold for over 30 mins each time I call and can not get through to anyone. I need help as I can not afford this new payment amount.