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

I signed lease paperwork XX/XX/XXXX with XXXX XXXX for a XXXX XXXX XXXX in XXXX XXXX, MA. The VIN number is XXXX and provided a down payment of {$5600.00}. We had it for approximately XXXX weeks then discovered a wiper issue. So we thought. We contacted the dealership, and was advised to bring it in for repair. We were advised the motor needed to be replaced and part was to be ordered. After a couple of weeks, we were advised it was not the wiper motor, but now the harness needed to be replaced. We were told this was a major job and parts needed to be ordered. After a few weeks of no information, we were informed that there were more issues, and the service could not resolve them and an engineer needed to look at the vehicle from XXXX. The XXXX Department advised I open a case, since there were major issues with the vehicle, I opened a case with the manufacturer. ( The case No. is XXXX ) The vehicle has been at XXXX XXXX since XX/XX/XXXX. I have spoken at XXXX XXXX XXXX, XXXX XXXX and to date, no resolution. XXXX is approaching and I am making monthly payments along with insurance payments. 
These defects substantially impair the use, market value or safety of the vehicle under the XXXX XXXX XXXX. I was informed by XXXX from the XXXX Department ( XXXX ) that the vehicle was deemed a XXXX and falls within the XXXX XXXX criteria. This is my son 's vehicle, and I do not want him driving a vehicle where safety XXXX be an issue. The case XXXX, XXXX XXXX, does not return my calls at all. I've been told they are supposed to return calls within XXXX hours I really need assistance with this situation. 
. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

FAY SERVICING and assignee 's XXXX XXXX, modify my mortgage loan as an repayment in XXXX with no late charges, Corporate charges or other charges. They have generated {$1800.00} of these charges against my mortgage loan. As of XX/XX/XXXX Fay Servicing and XXXX XXXX sent me a letter stating : NOTICE OF DEFAULT AND INTENT TO ACCELERATE { Foreclosure } if {$15000.00} is not paid by XX/XX/XXXX amount includes {$1800.00}. Fay Servicing has posted XXXX from XX/XX/XXXX up to date. They continue to cause me an Financial Hardship to foreclose on my home. 

The Deadly Coronavirus ongoing since XX/XX/XXXX is also a result of my financial hardship. 

I have request multiple times in writing to Fay Servicing mortgage options, only a default notice in return.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2024, I sent a letter/dispute to Equifax to remove some inquiries that are on my credit report that I did not authorize, and they refused to remove them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Car lot took XXXX of my vehicles in on trade towards XXXX I was purchasing. We had discussed using Credit Acceptance to finance the balance but on the day of delivery, I paid off the balance in cash instead of financing. The car lot never listed my trade in on the contract but did list the cash down payment while still putting the loan into processing to receive that money as well. Now I am being billed for money that I did n't use or borrow. I am attaching a copy of the title that was released to me showing no security interests which would n't have been the case had I financed any money on this BMW.
Product: Checking or savings account

My account reflected a pending negative balance of {$33.00}, on XX/XX/year>. I made a transfer of {$34.00}, to satisfy the amount owed at XXXX, on XX/XX/year>. This was before the processing cut-off time which is XXXX. 
I am late on my line of credit payment. XXXX XXXX processed a forced automatic payment to the line of credit, which swept the {$34.00} out of the checking account, into the line of credit. This subsequently resulted in an overdraft charge in my checking account, although I made the deposit to cover the pending balance. The forced automatic transfer can not be disabled so I will continue to accumulate fees until the monthly payment is made to the line of credit. Ironically there is no late fee associated with the line of credit. That would have been one late fee for one late payment. This tactic railroads the consumer into potentially being accessed multiple overdraft fees regardless of the efforts made to cover the initial transactions.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Debt collection

I had an outstanding balance with XXXX XXXX XXXX XXXX XXXX XXXX of {$210.00} when I moved from XXXX to XXXX, XXXX. I forgot about the bill but never knew it went to collections. It appeared on my XXXX report and has caused detrimental damage to my credit score that has caused me hardship. I would like to pay the full amount but feel that the collection agency which is credit systems international based in XXXX XXXX, XXXX should remove the derogatory information from my credit reports. I never got any Communication in the mail from them.
Product: Mortgage

In XX/XX/2005 Wells Fargo wrongfully foreclosed on my home at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX TX XXXX while I was in the process of doing a loan modification. When I received the loan modification paperwork, it was missing the cover letter to tell me how much I needed to pay to get the modification in place.
Product: Mortgage

Seterus continues to explain their actions for not providing me with information on my mortgage, by stating that I am in bankruptcy and that I am represented by Attorney XXXX XXXX. This is all false ; I have never been in bankruptcy and never hired Attorney XXXX XXXX. Since Seterus is conducting themselves based on this, I need Seterus to submit proof that I am in bankruptcy and I am represented by Attorney XXXX XXXX. Seterus never bothered to verify this information about me. Since this is all false, I am entitled to information about my mortgage loan. This includes receiving monthly statements so that I can make sure that my payments are properly credited, find out when statements are due and what late fees charges are, and escrow statements need to be mailed to me at my home address. The latter was mailed to Attorney XXXX XXXX of which I have no relationship with. This error by Seterus resulted in my not knowing the new monthly payment amount for my mortgage. XXXX Bank sold our mortgage to Seterus in XXXX 2013. During 2013, I continued to receive monthly statements and the escrow statement prior to the mortgage being taken over by Seterus. If XXXX can provide me with information on my loan, than Seterus certainly can continue to do so. I am not in default of my mortgage loan. All payments have been made and proof of payments have been provided to Seterus.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law 15 u.s. code 1681i- procedure in case of disputed accuracy. 
If the completeness or accuracy of any of information contained in a consumers File at a consumer reporting agency is disputed by the consumer and the con notices the agency directly, or indirectly through a reseller, of such dispute, the Agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller Account # XXXX XXXX, XXXX XXXX, Experian
Product: Student loan

I have been paying all XXXX of my Federal student loans, and XXXX Private ones through Navient/XXXX on time for over 8 years now. I owe much more now and had no idea what this was going to do to my loans. I did n't know what Forbearance or deferment was or meant. I was forced into deferment and forbearance when I was on XXXX Leave with no income. It was presented as my only option to keep them " current ''. I sent in my pay-stubs and income based repayment application multiple times to try to lower my payments and was ignored and then denied. I found out they capitalized my interest and principle even though I was only on Forbearance or deferment from XX/XX/XXXX to XX/XX/XXXX ( 2 months ). My interest rates have increased and I do n't understand why. I should have been on a 25 year repayment plan, not 10 with my total loan amount. I feel totally taken advantage of and this this was deceived and miss led into both deferment and forbearance when it was not needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX Date : XX/XX/23 Action : When contacting Equifax to remove inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.
Product: Credit card or prepaid card

After I mailed several detailed letters over a course years, sent directly to companies and all 3 credit bureaus I never received favorable resolutions with most, but a few that resulted in totaling cancelling any store credit accounts and credit cards, including any negative reporting to credit bureaus. 

Please note, my father : XXXX XXXX XXXX is currently my legal guardian, and he has been and still is a major force, and instrumental in all my personal and financial business, who continues to help and support me in this matter. For any future reference to this case, the XXXX has my approval to contact XXXX and discuss anything, and he also has my permission act on, make decisions on my behalf ( please see attached copy of proof of legal guardianship ).
Product: Mortgage

on or around the end of XXXX we went through hurricane Ian in XXXX XXXX Florida. Our home owners insurance had been dropped just before the hurricane hit and we were left trying to find new home owners insurance. The hurricane hit the day before we had secured new insurance and our home was damaged on the roof and inside damage such as floors and furniture from the open roof tore away by the hurricane. Our pool cage was totally destroyed. We had many new large bills and no insurance. So to help us get some relief we applied to US banks forbearance plan, They accepted our application and that is where the harassment started by US bank. We were told we would be able to tack the payments of forbearance to the end of our loan XXXX or XXXX times. We were sent threatening mailings telling us we were late and that our credit would be affected and we would be reported to the credit bureau. Our credit did drop XXXX points during this time.We were then told toward the end of our forbearance program that we would have to pay the entire amount back in total. If it were possible to tack the additional forbearance loan they would charge us the current interest rate which they said would be much higher. I have been paying the entire amount in monthly installments allowed by the bank and they are still sending me late payment notices. After about 10 calls and arguing my case i find they have been putting my payments in the wrong place in my accounts. All i receive from my calls is sarcasm and threats Now they tell me its illegal for them to not add my forbearance and they cant charge me interest.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed a 30 day late payment that was reported on my credit file incorrectly. On XX/XX/XXXX Experian notified me via email that the investigation was closed and attached a " Dispute Results '' report. However, in the report Experian failed to list the Creditor/Vendor name and account number for the account that was supposedly investigated. I don't know what account Experian is referring to because they failed to provide me with detailed information. I am now left to try and determine which account was investigated because they didn't provide details information, at the time I have more than one open dispute.
Product: Credit reporting

Per complaint # XXXX, as stated in previous complaint that I did not authorize credit pulls by anyone except those listed in that complaint. I also stated that I was unable to get responses from creditors, which I 'm assuming is because they did n't have my consent and therefore ca n't provide proof
Product: Money transfer, virtual currency, or money service

Robinhood allowed XXXX transferred of my crytpo account without giving me notice until the last of the transferring out of my money. I contacted them multiple times, but they refused to give me an answer why did it happen. They kept promising me the matter would be resolved in 3-5 business days, but so far nothing happened. They are irresponsible to secure customer 's account from defraud. My complained started on XX/XX/2023 about XXXX XXXX talking to a guy name XXXX.
Product: Debt collection

I have been disputing this account for some time now with World Finance. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Product: Checking or savings account

On XX/XX/year> I got home from XXXX after half the year of being gone working and tried to access my chase checking account to deposit my work funds when I found out it was closed. I called and filed a claim that day the claim number is XXXX they told me they could only refund to the amount of XXXX dollars they verified everything and I submitted a police report number and everything they asked for. It was verified and approved and I was told a check was being mailed out to me to the address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They also told me to open a saving account so that if I would rather the money just be deposited into the savings they could do that also. Which I did. I went through multiple departments of being verified and each time they told me the claim credit is processing to your account and within 24 hours you will have access to it. I waited and then nothing they even closed my current savings. Then I went through a agent named XXXX  from retail escalation front line at XXXXXXXX XXXX  XX/XX/XXXX then waited for the other department to open and called at XXXX XXXX  XX/XX/XXXX then transferred me to XXXX online tech who transferred me electronic movement team then at XXXX XXXX  fraud o line department sent a code to me at XXXX verified the pin and XXXX they re activated my online profile because I was told that they denied my claim on the XXXX well it wasnt even the XXXX yet it was only the XXXX!!!!! I had the irs deposit my federal refund and my state refund into that account and I have never used that card it was left at my XXXX  house on my desk for the next tax year deposit. These charges are all fraudulent and were not made by me but by a guy named XXXX XXXX who broke into my home and stole multiple items included bank information and cards and checks. He has made these charges and gets to walk away free from everything while I work my XXXX off as a single mother of XXXX and now my rightful money is not being returned to feed my children and I.
Product: Bank account or service

BB & T bank rearranged my transactions to maximize the amount in overdraft fees I would accrue ... Taking transactions that occured literally DAYS BEFORE the transaction that actually caused my overdraft ... I agree to one overdraft plus the amount that actually overdrafted my account ... .NOT the five overdrafts they are lying about and saying I owe them ... .This is predatory behavior and needs to stop
Product: Credit reporting or other personal consumer reports

THIS IS A NOTICE OF DISPUTE. I AM DISPUTING THE COMPLETENESS AND ACCURACY OF THE INFORMATION THAT HAS BEEN FURNISHED TO MY CONSUMER REPORT. XXXX XXXX XXXX XXXXXXXX. THE SEQUENCE OF LATE PAYMENTS THAT WAS FURNISHED IS INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND THIS VIOLATION IS PREVENTING FOR FROM EXTENDING MY CREDIT FOR MY PERSONAL, FAMILY AND HOUSEHOLD PURPOSES.
Product: Credit card or prepaid card

Citizens Bank Mastercard obtained with a limit of {$800.00}. Payments due XX/XX/ for roughly {$30.00} submit week of XX/XX/ for {$60.00}, confirmation # XXXX. 

I have received correspondence from Citizens Bank stating that they have decreased my limit to {$300.00} from {$800.00}. 

My payment is less than 30 days late and a violation. Payment invoice received for XXXX XXXX All other months obsolete.
Product: Payday loan, title loan, or personal loan

XXXX XXXX, 2017 they almost XXXX dollars out of my account I had contacted the company they me I had borrow XXXX which I never borrow that amount I only borrow XXXX in XX/XX/XXXX which I had paid that amount back they I was paying the interest fees this was not in my contract they keep taking money out of my account which I do not, they wo n't put the money back in my account this company is nothing but a scam.
Product: Credit card

Hello, I am filing this complaint because Chase is failing to protect me as a consumer by refusing a chargeback for a misrepresented, possibly unsafe injectable product. 

XXXX. Purchase Details : On XX/XX/year>, I purchased an injectable skincare product from XXXX XXXXXXXX XXXX XXXX  ) using my Chase credit card. 

Upon receiving the product, I noticed that it lacked a tamper-proof seal and serial number, which are standard authentication features for verifying product safety and authenticity. I went into the manufacturer 's website ( skinniclabsuisse.com ). Per the manufacturer, there should be a seal and a serial number. The merchant did not disclose that this version would lack these critical safety features. 

XXXX. Contacting the Merchant & Their Vague Responses I contacted the merchant to ask about the missing serial number and seal. The seller could not provide a clear explanation and instead claimed that this was a " limited edition '' version that did not come with a serial number. I even asked for any documentation to prove the authenticity of their product but they stopped responding to me. 

Since this is an injectable product, authentication is crucial for safety. Without proper verification, there is no way to confirm whether the product is safe for use. At this point, I immediately stopped using it due to safety concerns. 

XXXX. Disputing the Charge with Chase ( First Call - Denied Due to Product Use ) I called Chase to dispute the charge, explaining that the product was misrepresented and missing key safety verification features. 

Chase denied my dispute, stating that because I had already used part of the product, they could not assist with a chargeback. 

I explained that I had no way of knowing the product was defective until after opening and attempting to verify it. Since missing authentication features are not visible until use, I could not have detected the issue earlier. 

Despite this, Chase still refused to assist. 

XXXX. Disputing the Charge with Chase ( Second Call - Denied Due to Merchant Return Policy ) I called Chase a second time to re-escalate the dispute under " Misrepresentation / Product Not as Described. '' This time, Chase gave a different reason for denial, stating that because the merchant has a " No Returns, No Refunds '' policy, they can not force a refund. 

This reasoning is incorrect because : - Chargebacks exist to protect consumers from misrepresented, defective, or unsafe productsregardless of a merchant 's return policy. 
- The product was missing required authentication features that were not disclosed before purchase. 
- A " no refund '' policy does not allow a merchant to sell unverified, potentially unsafe injectables.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to all credit reporting agencies have my student loan debt reporting 1 90 day late and nothing else my account was in Different this reported date was on or around XXXX. XXXX, 2015 I need this 90 day removed from my credit history!
Product: Credit card or prepaid card

My name is XXXX XXXX and I am a Michigan resident. For 7 months I had been using the app chime to get paid through my job. On XX/XX/2022 an unauthorized purchase of XXXX dollars was made of my Credit card ( its called a credit builder card ) at a XXXX XXXX XXXX XXXX in XXXX Florida. I even sent proof of my whereabouts at time of purchase. Ive showed them that I was at work for the majority of the day in XXXX XXXX, Michigan. Theres no way that I can even make it to another state by XXXX the time of the purchase by flight or car the same day. I even worked the following day. I called the store that the purchase was made at was given a hard time by whom ever answered the phone and said there was no one I could speak to and nothing I could do. After about a week of e-mailing these people and talking to different representatives of having my dispute reopened, they keep telling me there are no errors even though Ive shown proof of fraudulence. My XXXX  account was even linked to chime so they tried to hit that account for a different amount, but didnt succeed. All together i ended up closing my chime amount scared that there would be another attempt of my money being took and just moved all the rest of what i had left to a separate account so that it wouldnt happen again. Its just said that people actually take the time out of their life to work just to get half of their check stole without an issue or no red flags.
Product: Debt collection

XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2011 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.