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

We were nearing the end of our Loan with Flagship credit and we called started talking to them about settling the outstanding amount. Around XX/XX/XXXX, we were approved to pay off the settlement of {$2000.00}. We tried to process the payment on XX/XX/XXXX but it didn't go through. We had to call back and they said they had the wrong banking information. So we had to call again on the XXXX and they were able to pay off our settlement offer. Since then, they have been calling us constantly trying to collect the past due amount even though we have already settled. They call multiple times a day 6 days a week. Weve also tried calling to get information on why we havent been able to get a resolution because they said they need to sign an offer letter but neither my wife or I have received it. Most recently, I called on XX/XX/XXXX and XXXX. I was told we would receive the letter but we didnt so I called back again and they said that in their records, they still havent even sent it out. Theyve confirmed our emails multiple times and we still havent received them. Ive told them they need to get this resolved but in the meantime my and my wifes credit is getting penalized because they havent sent us anything. 

We were told when we settled that they would send us our titles within 30 days of paying off the amount. We have not received it and we cant get a straight answer of why the letter hasnt been sent to us.
Product: Vehicle loan or lease

ON XXXX THE XXXX I HAD GONE TO XXXX XXXX XXXX DEALER AND PURCHASED A XXXX XXXX XXXX, AT THE TIME THE SALESMAN TOLD ME TO JUST TAKE THE CAR AND LATER I COULD REFINANCE THE CAR TO A LOWER LOAN RATE, BUT THAT WAS NOT THE CASE THEY CHARGED ME DOUBLE FOR THE CAR THE CAR COSTED XXXX AND AS OF TO DATE ON MY CREDIT REPORT IT STILL SAYS XXXX I TRIED TO GET OUT OF THIS CAR AND EVERYWHERE I GO THEY TELL ME I WAS RIPPED OF FROM THE SALESMAN FROM THIS DEALERSHIP MY PAYMENT IS XXXX A MONTHLY WHEN THE MATH IS DONE I WOULD OF PAID OVER XXXX $ XXXX DOLLARS ON A XXXX CAR CAN SOMEONE HELP ME AND THE BANK IS SANTANDER CONSUMER THAT IS KNOWN FOR RIPPING PPL OFF AND THEY HAVE OUTSTANDING LAW SUITS PENDING HOW THEY TREATED THEIR CUSTOMERS, I NEED HELP DESPERATELY PLEASE I HAVE XXXX  XXXX AND I HAVE NOT WORKED SINCE XX/XX/XXXX HAVING LOTS OF PROBLEM AND THIS IS CAUSING ME LOTS OF STRESS ADDED TO MY LIFE
Product: Mortgage

XXXX XXXX ( XXXX ) XXXX from Royal United Mortgage company has been calling and texting me repeatedly to obtain my signature for approving a reverse mortgage on my parents home. 

I told her in XX/XX/XXXX I was not interested when she called me. She then texted me and I asked her to stop. 

Now in XX/XX/XXXX, she called me 6 times within one day. She then texted me multiple times with the last text offering me {$41.00}, XXXX. She continued to text me even after I sent the " STOP '' response to the text. 

She responded that she " prays that I get all of the information so I do not regret ''. 

Why is this unsolicited harassments allowed? This must stop. 

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

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Now it 's been shown that their site to determine whether or not an individual has been impacted is randomly generated. So currently, since I am not able to properly enroll with the site for several more days, there is no actual way for me to know if my information was stolen.
Product: Credit card or prepaid card

I tried to make a purchase and was not able to the card declined when there were available funds.
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX CREDIT XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  XXXX 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/XXXX, XXXX disputed inaccurate information in my credit files reported by U S DEPT OF EDXXXX XXXX 

The " Date Last Active '' is inaccurate on all three credit bureaus, reporting different months and different years. 

I know this is the date which stipulates when this information is naturally removed from my credit reports. The problem is, these accounts has been illegally re-aged and the credit bureaus are reporting old debt as new, and now these accounts are set to stay on my credit reports longer than they legally can.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.XXXX XXXXXXXX Balance Owed : {$71000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3300.00}.
Product: Payday loan, title loan, or personal loan

The loan originated on XX/XX/2022 at the Check into cash store in XXXX California at XXXX XXXX XXXX, I had pulled the loan out due to lack of funds due to Covid 19. After realizing that I was still financially impacted by Covid 19, I returned to the Check into cash store at XXXX XXXX XXXX in XXXX CA on XX/XX/2022 to request a payment plan. I had signed a agreement that I would pay {XXXX} a month via ACH transfer Starting XX/XX/2022, until the full amount of {XXXX} would be paid in full by XX/XX/2022. 
Between XX/XX/XXXX and the XXXX I received calls from a local number that seemed to trace back to a XXXX XXXX  location not a check into cash store, and no voicemails were left. On Tuesday XX/XX/XXXX I checked my bank account to find that the full amount of {$300.00} was charged to my account leaving me negative in my bank balance, I attempted to call the store and received no response. On the Afternoon of the XXXX I went back to the store located at XXXX XXXX XXXX in XXXX, CA and explained that the full amount had been taken out via ACH that morning. I was told in person and signed an agreement that the payment plan would be via ACH transfer, but upon speaking with a representative at the location I was told I had to make the payments in person in order for the payment plan to count, but this not what I agreed to when signing the documents and the representative this afternoon refused to show proof of their claims. This company takes advantage of working XXXX individuals that are just trying to survive by lying to their customers and assuring them of things are simply not true,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, account number XXXX and LVNV FUNDING LLC account number XXXX has violated my rights. 
15 USC 1681-602A states I have the right to privacy.

15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I am not liable for these debts, I do not have a contract with these collections and they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these inquiries as they do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a previous Bank of American checking and savings account that was closed and had a negative balance. The balance and debt I owed to Bank of America, was discharged under Chapter XXXX Bankruptcy on XX/XX/XXXX in the United States District Court District of Minnesota Bankruptcy Court. Bank of America is discriminating against me by denying me credit and an opportunity to open up a Bank of America Checking Account and Savings account due to the previous accounts I had with Bank of America, which the debt I owed to Bank of America was discharged in bankruptcy court under Chapter XXXX. Bank of America is discriminating against me because of my race as well, me being XXXX XXXX ( XXXX ). I deserve a second chance checking account with Bank of America. Bank of America is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ). Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # XXXX It has been longer than 30 days and Experian has not sent me verifiable evidence of these accounts listed on my credit report. I want these items deleted from my credit report per the Fair Credit Act 609. 

Thank You
Product: Credit card or prepaid card

Mr XXXX XXXX and Mrs XXXX XXXX XXXX / XXXX To Consumer Financial Protection Bureau Re : XXXX account ending XXXX and Platinum account ending XXXX In XXXX, we opened an Amex XXXX card offered to the XXXX XXXX XXXX Private Bank platform, of which we are clients. In the following month, we also opened a Platinum card. 

Since then, we have had multiple issues with the membership, causing us financial, security and even moral damages, and after several attempts at contacting Amex, no solution has been presented yet. 

Issue # 1 : Around [ XX/XX/XXXX ] of XXXX, we received an additional card that was never requested of a person that is not known to us, named XXXX XXXX. The card is linked to our account and can be visualized when we access our account online. Not only is a very serious security and financial, but it also created a very uncomfortable personal situation. 
A copy of the card and a screenshot of our online access showing the card is linked to our account is attached. 

Issue # 2 : Amex XXXX cards offered through XXXX XXXX have initiating fees ( {$5000.00} ) and first additional card fee ( {$1500.00} ) waived. However, we were unduly charged these fees : {$5000.00} on XX/XX/XXXX and {$1500.00} in XX/XX/XXXX. We have not yet been refunded, despite our complaint. 
( Copies of the statements showing the charges are attached ). 

Issue # 3 : Both XXXX and Platinum have terrible customer service lines. We can never connect and, when we do, the quality of the call is always very low. We have tried calling from different numbers, but we always encounter the same issue. Also, XXXX claims to offer assistance in XXXX, but that is not the case. Trying to resolve the issues above with this customer service has been impossible. We asked Amex for a physical or e-mail address to send a letter with our complaints, but after waiting on the phone for XXXX minutes, we were told there were none the only way to make a complaint is through the telephone. 

After months of unsuccessfully attempting to address our issues directly with Amex, we are turning to you hoping that you can help us reach a solution. To resolve the problem, we would like to have XXXX XXXX immediately removed from our account. We would also like a refund of the {$6500.00} paid in fees. Last, but not least, we also suggest improvements in the call center as well as the availability of assistance in XXXX, as advertised. 

We look forward to your reply. Please contact us at the above address, by e-mail at XXXX or XXXX or by phone at XXXX XXXX XXXX. 

Sincerely, XXXX XXXX and XXXX XXXX
Product: Student loan

The private student loan provid er AES Education will not lower my payment. I have informed them previously that I can not afford the payment amount. They only replied, " Your lender does not offer any other lower repayment schedules. You will remain responsible for repayment of the loan '' They are not willing to work with me. I have other student loans I currently pay on also.
Product: Student loan

I submitted a request to lower my monthly payment. There were several payment plans presented and an option to have the lowest cost plan selected based on what I qualified for. I selected that option. Navient then put me into forbearance which I did NOT want or know would be one of the option ( assumed they'd all be one the presented plans - forbearance was not listed as one ) for three months. Now my new payment plan after three months is higher than what I was paying before.
Product: Debt collection

Someone took out a loan in my name XX/XX/year>. I have association with loan. Its on my credit report and needs tone investigated and removed.
Product: Debt collection

I have reached to this company multiple times advising them that a debt they charged off doesn't belong to me. I also asked the credit bureau to investigate they didnt show me any results, they basically cited verified I asked for a copy of the investigation report and I didnt receive one, they also gave me an update within 3 days how can you investigate that fast without proper verification. I asked for the following detail 1. Please provide me with a copy of a signed contract 2. Pay off disclosure 3. Interest rate disclosure 4. Date opened 5. Balance history 6. Payment history 7. Date of last payment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I discovered through the landlord of a property I was applying to rent that I had no credit score reported by XXXX. Upon discovering this, I checked the application XXXX XXXX and it too showed no score. Not a zero, just no score at all. I also noticed that TransUnion has reported no score. I am XXXX years old and have paid bills all my life, Ive had to pay collection agencies, utility bills, etc. I am now being denied homes I am applying to rent. I cant get a credit card, even a card for people with bad credit. I called XXXX   and was told by an automated message that there was a technical difficulty and the call was ended. When I called back, the line gave a busy signal. I am a hard working XXXX XXXX  with a wife and XXXX children, I pay my rent and my taxes on time and I donate to charity. To be unable to move forward in life because a credit reporting agency has no record of me is absolutely unacceptable. Please help me correct this problem. Thank you.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report that an incorrect collections balance from XXXXXXXX XXXX was reported for {$760.00}. I have contacted XXXX XXXX who was the original creditor, the collections agency reporting the debt, and even my insurance company to see if there was any debt from XX/XX/year>. None of them can provide anything, the original creditor and my insurance company have absolutely no record of how this debt was incurred and both have their own active investigations opened right now. The original creditor has no record of what the collections agency is reporting and has escalated their investigation to the highest level. I disputed this with XXXX, Experian, and XXXX and all XXXX disputes were denied twice in a row within just a day or 2. I even called and told them what was happening while the 2nd disputes were still open. I have now opened all 3 disputes, for all 3 bureaus for the 3rd time. Their lack of research is appalling, I have done all of the research on my own and gotten this being investigated with the creditor and even the insurance company completely on my own while all 3 credit bureaus have repeatedly said its been confirmed accurate by the collections agency. This confirms that none of the 3 credit bureaus bothered to so much as contact the original creditor for proof of the debt, if they had then they would know that there is no debt they have any record of reporting for me from XX/XX/year>.
Product: Mortgage

Acopia, the loan provider, failed to verify occupancy requirements as mandated by HUD XXXX XXXX, which establishes compliance requirements for mortgagees. The purchaser violated FHA loan requirements by not residing at the property during the first year of ownership ( XXXX ). Instead, the property was immediately converted to a rental property, effectively making it an investment property. This misuse of FHA funding warrants investigation and, if sufficient evidence is found, should trigger a comprehensive audit of Acopia 's practices regarding federally funded home loans and HUD compliance.

As it relates to " Required Documentation '' : At closing, the Mortgagee did not obtain all required certifications from each Borrower, XXXX, and Non-Borrowing Owner. The Mortgagee did not obtain a copy of the Certificate of Occupancy, or its equivalent issued by the local jurisdiction, XXXX XXXX XXXX XXXX 

To reiterate, the HUD XXXX XXXX requires the purchaser to occupy the home within 60 days of closing and for a duration of one ( XXXX ) year afterwards. The purchaser did not comply with this legal requirement and the loan provider, Acopia, did not commit due diligence in enforcing the HUD requirement as stated. 

As it relates to " Local Health Authoritys Approval for Individual Water and Sewer Systems '' : The Mortgagee must confirm that the XXXX file contains the Local Health Authoritys approval for Individual Water Supply Systems and sewer systems, if applicable. The water on site was not potable from XX/XX/XXXX- XX/XX/XXXX. 

This is not an exhaustive list of claims that I intend to file with the Federal Consumer Finance Protection Agency. Please reach out to me to discuss these matters further. I am requesting investigation of this property transfer and FHA funded loan agreement. 

Thank you.
Product: Bank account or service

PNC Bank N.A . ( PNC ) has a program called " XXXX XXXX '' where PNC demand account holders can transfer funds from their account to another PNC account holder. I transferred {$1000.00} on XXXX/XXXX/2016 to my girlfriend XXXX XXXX into her PNC checking account to pay her mortgage. The funds were debited from my account on XXXX/XXXX/2016. 

I called PNC today XXXX/XXXX/2016 to find out why the funds had not been deposited into XXXX account, and PNC stated that the funds would not be in her account until XXXX/XXXX/2016. This is six days from the day that the funds were debited from my account. Therefore, these funds were not available for her to pay her mortgage. 

PNC states that " XXXX '' funds transfer will take at most three days. 

Because we acted in reliance of this transfer being completed on a timely basis, we were left in a worse situation than if we had used the " XXXX XXXX '' service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX Account # XXXX {$2900.00}. please remove unauthorized/ inaccurate collection off my credit report immediately you are in violation under 15 USC 1681B and 15 USC2f.
Product: Credit reporting or other personal consumer reports

After much due diligence and consideration, Im filing a last and final notice of violation of my FCRA, FDCPA, and FTC rules and statues..In the form of phone calls, disputes, and complaints. Ive made EQUIFAX as well as XXXX, more than aware of, first negligence, and then malicious intent, to both allow, as well as, further the abusive and fraudulent reporting of information on my credit report ; causing defamation to my creditworthiness, as well as injury to my personal and business ventures and life. For XXXX XXXX XXXX XXXX EQUIFAX and XXXX has both propagated false testimony and evidence of debt and credit practices. By allowing XXXX XXXX XXXX a company that from the beginning has reported a closed charged off status. For XXXX XXXX XXXX XXXX both companies allowed this closed charged off account at {$180.00}, allowed said account, to accrue a monthly balance in the form of XXXX dollars, monthly. XXXX, in the beginning, as well, allowed and propagated, this fraud. But was made aware and immediately ceisted and and desisted from fraudulent reporting. As for EQUIFAX and XXXX, they made every attempt to delay and hide their fraudulent reporting ; and allowance of abusive tactics of companies attempts at absconding from FAIR DEBT COLLECTION PRACTICES. This particular complaint has never been an issue of IDENTITY THEFT/ FRAUD ; except in the regards of said companies. Both EQUIFAX and XXXX in their attempts to delay and hide their fraudulent and unethical reporting, inserted and furthered statements of PAST DUE, IN COLLECTIONS. To EQUIFAX, reopening said closed and charged off account, to have a current status of open and late on XXXX payments ; causing me tremendous injury. Upon calling EQUIFAX, immediately, I was met by a XXXX, by the name of XXXX, who attempted to further EQUIFAXs fraud, until met with statues and codes of the FCRA and FDCPA ; which he attempted to pervert, until met with true stature. He admitted on recording that EQUIFAX was infringing on my rights, while investigating a dispute, adding abusive statements and reopening said account. This has been ongoing for XXXX consecutive months with no accountability or resolution. XXXX EQUIFAX again denied my dispute about said fraud and inaccuracies.
Product: Money transfer, virtual currency, or money service

Around XXXX XXXX an unauthorized payment was given to someone. There was no way of contacting anybody & all was said an investigation would occur which took more then XXXX months just for them to tell me I authorized it and would not get my money back.
Product: Debt collection

Midland XXXX claims I owe, they called my son telling him how they will take his mother to jail. I did a debt consolidation and completed 2 years ago with all debts ever owed settled except for School and Mortgage. I disputed 5 or 6 times even sending proof that they are recirculating a 2016 account that was settled and closed but they keep saying not true.