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

XXXX XX/XX/XXXX I owed {$1500.00}. I paid {$700.00} leaving me with an over due balance of {$850.00}. Over the year I have made payments in the amounts of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX If you take the payments made and the last 10 months due from XXXX to XXXX with the following payments made, I should be behind {$2000.00} instead of {$2400.00}. That is a payment discrepancy of {$370.00}. 
Also when adding all payments over the course of my loan I have paid close to XXXX but the amount paid on my account is {$7400.00}. 
I have emailed about these issues several times and have been advised that the matter needs to be spoken about on chat or phone call. I have tried these methods and am unable to reach anyone that is able to speak about this with me, and end up getting disconnected. Please help me, or refer me to an email I can use to speak to someone about this. This is quite a lot to speak about on the phone and I have trouble using the phone and speaking at times.
Product: Checking or savings account

I been having issues enrolling in online banking, I requested a RSA secure id ( already arrived ), but Im still waiting my debit card to enroll in online banking. 
Never arrived, so I nee to request a replacement debit card sent to my mailing address on profile.
Product: Checking or savings account

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Unauthorized debits appeared on my checklng account as debit card transactions at JPMorgan Chase in the amounts of : {$350.00}, {$5.00}, and {$2.00}. 
I filed a fraud report via telephone with Chase customer service XXXX # on XX/XX/XXXX after visiting a branch to also report fraudulant activity on my debit card when my catd was cancelled and I received a replacement card. Chase issued a temporary credit on XX/XX/XXXX in the amount of {$11.00} while they researched my claim. 
Yesterday, XX/XX/XXXX I saw the charges has been reserved and contacted Chase via their Customer Support XXXX # once again. I spoke with 3 different representatives all of whom stated that they had verified that my card was in fact used for these transactions And was Chip verified. While my card was not lost or stolen, I adamantly believe that I am a victim of fraud. The descriptions of the 3 transactions were at a building on my college campus that does not have a vending or other sales terminal. I inquired with my school and they advised that they have no record of these transactions and advised me to contact my bank. 
Additionally, I was in class at the time of at least one transaction ( XX/XX/XXXX ) so it is impossible for me to have made the transaction. 
Today, I visited my local branch and spoke with a banker. He advised that the transactions were done at a street vendor. This makes no sense to me since I have not recently been to any street vendors. And, there are not ant street vendors near or around my campus. 
Chase continues to insist that these charges are not fraudulent because they were chip verified and my passcode was used which I find to be outrageous. 
They refuse to consider that someone perhaps stole my information thru a skimming device or similar.
Product: Money transfer, virtual currency, or money service

I got scammed by a Merchant on cash app named XXXX XXXX XXXX XXXXXXXX Which is in another country and a clothing store. They were supposed to be a used car part store. They took my money of the amount of {$490.00}. I never received the goods and I called the people to refund and no help from cash app at all. I disputed it 3 times with cash app and they denied all 3 times even after evidence I gave them of the emails and calls. Cash app refused to help me get my money back from these scammers. Cash sent me a denial saying that the merchant has fulfilled their obligation without them taking a look into everything. They basically told to accept my lost of my money and move on. They stressing me out and I dont know what to do on how to get my money back. I want to sue them for taking me through a lot of trouble. Im stressed out trying to get my money back and theyre not helping me at all
Product: Mortgage

I had been fighting with Bank of America for 4 years and 3 months before they lowered my mortgage payment. They kept me on the phone for over 4 hours almost daily, and never refinanced my mortgage. After a few years of doing nothing and spending months on the phone, they told me to stop paying my mortgage. I told them no becuase I did not want my credit to be destroyed after working multiple years with up to 3 jobs at a time to keep my credit great. After several months of refusing to make less than required mortgage payments, always paying on time, after waiting the 4 years and 3 months, they told me all I had to do was sign the new loan papers for a reduction in monthly payments. Even though I told them every single month for over 4 years straight, I paid 100 % of my mortgage payments, they did not apply it to my mortgage as per contract, and they did not pay insterest or anything as it had been paid for years, they twisted all my payments for their benefit, and put my money I blatently advised for over 4 years as to be 100 % only for my mortgage until they lowered the monthly payment, the sent my money away from my mortgage payments and to cover themselves, put money into escrow and XXXX knows where else, and now I have destroyed credit, and now besides the destroyed credit and higher cost of insurance and living thanks to this, they have a lien against my property I am trying to sell. I just have been trying to get a job after losing my last one, and I need to downside, and they are making my life miserable still. They destroyed my credit, kept me from getting a place to live, and I can't sell my home becuase of the tax lien they put on me while stealing money from my mortgage payments. My credit just went down again because of them and my insurance went up because of these crooks. they have been destroying my life for years, and I want this fixed. They need to fix EVERY SINGLE PAYMENT that I payed 100 % of my mortgage payment to, and they need to fix my credit score immediatley and they need to get that tax lien off my property NOW so I can get a place to live and sell this place. I need results now! I have been tortured by them for years and EVERYTHING THEY DID IS ILLEGAL AND THEY NEVER HAD ANY PERMISSION FROM ME TO CHANGE ANY MORTGAGE PAYMENT AND STEAL FROM ME.
Product: Debt collection

After reviewing my credit profile on XX/XX/2022, I identified a discrepancy with an account listed under Portfolio Recovery Associates , LLC and validation was requested on XX/XX/2022 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from the creditor to validate this account is correctly belonging to me. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account legally and the account continues to negatively affect me. Also, XXXX is reporting a different account number form the other two credit reporting agencies. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Product: Credit card or prepaid card

Below are the following accounts appear to be a charge-off account with a specific balances. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in one of the Bureaus. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account. 

NAVY FEDERAL CR UNION XXXX Balance {$3100.00} NAVY FEDERAL CR UNION XXXX Balance {$25000.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Affirm , Inc. and XXXX for violations of my privacy rights under the Privacy Act of 1974, the Fair Credit Reporting Act ( FCRA ), and 15 U.S. Code 1681. Despite my explicit opt-out request submitted to Affirm, Inc. on XX/XX/XXXX, both companies have continued to report and share my nonpublic personal information without my authorization. 


Privacy Act of 1974 : Affirm, Inc. and XXXX are in violation of my rights under the Privacy Act of 1974 by disclosing my personal information without my consent. 
Fair Credit Reporting Act ( FCRA ) : As stipulated by 15 U.S. Code 1681, consumer reporting agencies must ensure the accuracy and privacy of information reported. Affirm , Inc. has reported my information to XXXX without my explicit consent, resulting in unauthorized and inaccurate reporting on my credit report. 
Opt-Out Request : On XX/XX/XXXX, I submitted an opt-out request to Affirm, Inc., as per 15 U.S. Code 6802, requesting that my nonpublic personal information not be shared with any nonaffiliated third parties. Affirm , Inc. has failed to honor this request, and XXXX has continued to include this unauthorized information in my credit report. 

The unauthorized reporting of my personal information has caused significant harm, including potential damage to my creditworthiness and financial reputation. The continued violation of my privacy rights is distressing and unacceptable. 


I demand that the CFPB take the following actions : Require Affirm, Inc. and XXXX to immediately cease the unauthorized sharing of my personal information and remove any such unauthorized information from my consumer report. 

Provide written confirmation that my opt-out request has been honored and that the unauthorized information has been removed from my credit report. 
Compensation : Compensate me {$1000.00} for each violation of my privacy rights as per the statutory damages under the FCRA.
Product: Debt collection

This is my second complaint submitted against FCO - Fair Collections & Outsourcing. They were trying to collect a debt from me that I do not owe, know nothing about, and that is not mine. The debt is for {$3200.00} and it's from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I know nothing about the debt or the company. The first complain that I submitted had a response from FCO informing me that they contacted me wrongly and that I'm not the person they're looking for and that we had similar names. They also apologized and said that they would delete all of my information from their system and never submit a negative report on me to any credit bureau due to the debt not even being mine. 

I checked my credit reports today and found out that they did indeed submit a negative derogatory report on me even though they had informed both me and the FTC that they won't do anything due to the debt not even belonging to me. 

Please help me because this company is clearly operating illegally. They failed to verify the debt by not showing me any legal paper work that has my personal information and they even told me over the phone that they don't have any of my personal information on any of the legal documents they posses on their end. They don't have my birthday, signature, address, or any other information on any of the legal documents they have yet they still attack me.
Product: Debt collection

According to the FCRA account the account named, MIDLAND CREDIT MANAGEMENT has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for. Name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within
the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor
Product: Credit reporting or other personal consumer reports

Thank you for removing some incorrect items from my file due to alleged fraudulent activity. However, several items still need to be addressed. I am a victim of inaccurate credit reporting and dispute the following items, which do not relate to any transactions I have made or authorized. Please remove these erroneous items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5500.00} XX/XX/XXXX XXXX Balance Owed : {$5500.00} XX/XX/XXXXXXXX Balance Owed : {$10000.00}XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX XXXX XXXX Owed : {$5700.00} XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX Balance Owed : {$10000.00} - Previously Late/Closed XX/XX/XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XX/XX/XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed XXXX {$5500.00} XX/XX/XXXX XXXX XXXX XXXX : {$10000.00} XX/XX/XXXXXX/XX/XXXX. These items are unknown to me. Additionally, some items have been deleted from other bureaus, raising doubts about their accuracy and the reported payment history.
Product: Credit reporting

I filed for Chapter XXXX bankruptcy in 2009 and the accounts that were included in the case were listed as charge-off status. XXXX have the accounts listed as closed charge off. But after several disputes Equifax keeps listing the accounts as still open with no closed date. Therefore it is still showing up as an open charge off account and reporting as late and not closed on my credit report.
Product: Mortgage

I took at HELOC thru XXXX on XX/XX/XXXX and then they sold it to Shell Point Mortgage for servicing. I purchased the flood insurance when taking the HELOC and also paid the flood carrier direct for renewal premiums. On XX/XX/XXXX Shell Point Mortgage force placed flood insurance even though they had a copy of the flood renewal as I had to upload it to a link they provided. They said they didnt receive it so I uploaded it again. Then I receive an Escrow Analysis showing flood premium {$41.00} in Escrow. I never had flood in Escrow and have been trying to get them to delete the Escrow and fix my bill statement since XX/XX/XXXX. On XX/XX/XXXX I was told they applied the Escrow credit refund {$240.00}.. I have made several calls to customer service and each time I get switched to other departments with nothing being resolved. 
On XX/XX/XXXX I spoke with the insurance department and was told the flood was not in Escrow and they did a conference call with customer service trying to get my billing corrected. 
On XX/XX/XXXX I told Shell Point I was making the monthly payment EXCLUDING flood portion and I kept getting notices that my XXXX payment was not received. They were not accepting the payment because i did not pay the flood. I called them again and told them flood is paid direct to the flood carrier. The notice I received from Shell Pointe on XX/XX/XXXX stated they were charging {$10.00} late fee and threatened reporting it to the credit agencies. 
They were trying to collect {$1000.00}. 
I called them again on XX/XX/XXXX spoke with XXXX XXXX who told me to pay the flood balance premium {$42.00} then the account could get fixed so I paid it that day XX/XX/XXXX. Then he transfered me to XXXX who said they are trying to fix the account. Then I was transfered to XXXX in the Escrow department who said they needed to do another Escrow Analysis. XXXX in the insurance department switch me back to a XXXX who gave me an email address to email the request to removet he escrow from my account and it would be processed immediately. 
As of today the Escrow is still there, they have not removed the late fee and they are charging a fee of {$97.00}. Whart is this? It just says other fees due. 
Please help me get this fixed, as customer service does not know what they are doing, you can tell when you speak to them, they lack the knowledge to do the job correctly. 
All they do is push you to another person with no results. 
I am asking for the following items to be deleted : Escrow {$42.00}, {$10.00} late fee and {$97.00} other fee. 
Thank you.
Product: Credit reporting or other personal consumer reports

Navy Federals Credit Union has reported to XXXX  regarding my payment history. Pursuant to my rights under 15 U.S. Code 1666b, I am entitled to certain protections and procedures regarding billing errors and disputed charges. 

Navy Federal Credit Union has reported that I am late on a payment to them. However, I dispute this claim and request that XXXX investigate the accuracy of this information. Specifically, I request that XXXX : 1. Verify the accuracy of the reported late payment with Navy Federal Credit Union. 
2. Provide me with a detailed explanation of the reported late payment, including the date, amount, and any associated fees or charges.

3. Provide me with the opportunity to dispute this information and have it corrected if found to be inaccurate. 

I understand that under 15 U.S. Code 1666b, XXXX is obligated to investigate and resolve disputes regarding inaccurate information in a timely manner. I urge XXXX to adhere to these regulations and provide me with a prompt resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX  - account # XXXX XXXX XXXX  - account # XXXX XXXX - account # XXXX XXXX XXXX - account # XXXX XXXX - account # XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX - account # 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 an account without my written instructions
Product: Credit reporting

I am submitting this complaint about equifax as I have contacted them in regards to a dispute about incorrect information reporting on my credit report. Teacher 's XXXX XXXX XXXX is reporting as XXXX loans. This is incorrect as I only had XXXX loan with this bank. I contacted the XXXX XXXX XXXX as well and today I received a response from the XXXX that they have attempted to contact Teacher 's XXXX XXXX XXXX twice on my behalf but were unsucessful as XXXX did not respond to them and now the XXXX must close the case. To my understanding if a company/bank does not respond within the allowed time frame it is to be automatically deleted. I did not have XXXX loans with them only XXXX.
Product: Debt collection

I contacted the 3 major credit bureau to file a dispute against identity theft. Instead of accounts being removed more was added. I also contacted the company as to send ownership of the debt instead it was sold to another company.
Product: Mortgage

I have a copy of my XXXX letter along with a check payment to the bank front and backcopy to the President dated, XX/XX/XXXX. The Bank provides a total of XXXX documentsstating how far behind I am. The bank did not even deposit my check until XX/XX/XXXX. 
The bank is falsely reporting that my T-form is ineligible that I provided several formsof the T-Form. I also provided the T-form to the President of BAC, which is very clear to read, completed on a computer for eligibility in XXXX. The bank is providing severalfalse reports of what I actually owe, and what I actually applied for. 
The Bank also claims that I did not pay my repayment plan. I have the name of the employee who was on the phone with me with customer service to reverse the payment ; the employee indicated that she was just waiting for my T-Form, the very same T-FormI faxed, and sent to the President of BAC. Customer Service could not reverse the payment, unless there was approval of the loan department. I was on a XXXX way callwith the Bank, and Customer Service. 
Finally, I have been getting numerous harassing calls from BAC, which my phonecompany can prove how many times this bank has called me in the course of six months. 
I have recently had threats, of short sales and foreclosure information upon my property, which I have lived in and paid on time since XX/XX/XXXX. I have received a total of XXXX ormore documents form the bank most of which have been asking me for the same information over and over again, threats of foreclosure, wrong balance information due, etc. I am releasing all documents, names and phone records to the CFPB shortly. 
If the bank can not reach an agreeable ( mutual ) payment plan by the end of XXXX, I am filing a lawsuit against the bank, releasing documents phone records. names. 
letters, fax confirmations and XXXX tracking information to prove my case of harassment, and the bank providing false information to CFPB. Thus, has been very misleading, anduntruthful during this process, and should be fined, or sued. Clearly, the President of BACHome Loans has no interest and is fostering his or her employees to lie, harass, and continue to ask me for the same information. The bank has also put my credit in a bad status, which has increased my auto insurance, and caused other issues with my credit.