23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing a complaint regarding a transaction with XXXX. On XX/XX/XXXX, I was charged {$100.00} by XXXX for a service I was unable to use due to significant digital accessibility barriers. As a legally XXXX user, their website was not accessible with screen reading software, preventing me from making necessary changes or canceling my booking. 

On XX/XX/XXXX, I disputed this charge through XXXX with American Express but received no response. I followed up via chat on XX/XX/XXXX and explained the situation again, including the inaccessibility issues and my inability to resolve the matter directly with Kiwi.com by phone or online. 

Despite this, American Express initially withheld the charge but later rebilled me on XX/XX/XXXX. I uploaded a document explaining the situation, but American Express still favored the merchant, XXXX. My attempts to address this directly with both the merchant and American Express have been unsuccessful. I am seeking assistance in resolving this matter.
Product: Credit card or prepaid card

I applied for a wells fargo credit card on XX/XX/XXXX in the branch and I was immediatly approved for a business card. I planned on making two very large purchases this week for XXXX and XXXX respectively on the card so that I could get their sign up offer of XXXX $ rebate afyer spending XXXX. 

Wells fargo shipped the credit card to my old address on file rather than the address I gave them during my application. They actually sent my debit card to the correct address they just mailed all of the credit card stuff to the wrong address. 

What makes this even more frustrating is that they also activated the card for me somehow without it being in my posession. So the 90 day clock to spend XXXX has already started ticking since the card has been activated without me even putting my hands on it. 

This is negligent. I only gave them one address when I applied for the card, and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. They sent the debit card to this address, then sent everything else tl XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$2000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$13000.00} XXXXXXXX XXXX - XXXX {$61000.00} XXXX XXXX XXXXXXXX {$61000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00}
Product: Vehicle loan or lease

ally bank loan for my new XXXX XXXX is not being credited as i tell them to. on my first payment XXXX i adde XXXX dollars to the payment and noted on the statement coupon that it was to go toward my principal. they did not put it on my principal. i called them when i had not recieved a ststement in time for me to make an on time payment. they do not have anyone there that speaks english well enough for me to be able to converse with. so i called the ally bank direct and they tried to transfer me back to the same people as before, i refused and they finally contacted them themselves and when they got back to me they told me that i would be sent a statement every month 19 days before my due date. i told them this was a lie. now on XXXX i recieve a statement saying i need to pay XXXX on XXXX but also states that scheduled payment is XXXX on XXXX so what happened to my XXXX payment? i never made it and yet i am getting conflicting information. i did not sign up for any variable rate loan, on my contract it states that i will have payments of XXXX for 6 years and that is what i agreed to nothing else is acceptable why are they able to make their own rules and ignore me when i want to speak to a supervisor none are there please stop this bank doing business in america
Product: Mortgage

Lakeview Loan Servicing purchased my mortgage from XXXX XXXX XXXX XXXX XXXXXXXX of XXXX. All communication I received stated that everything would be transferred automatically and I just needed to take note of the new account number and the method that I use to pay my mortgage payment. Both my taxes and hazard insurance were part of my escrow from the day I obtained the original mortgage. In XXXX Lakeview paid my annual property tax from my escrow. In XXXX of XXXX they notified me that my hazard insurance was lapsing and they were going to bill me for insurance. My insurance did not lapse nor did it change. It was renewed in XXXX of XXXX just as it was in XXXX. When I reached out to Lakeview they said that my hazard insurance was never paid through escrow, that I paid it. I explained that was not true and I could provide documentation of XXXX payments through escrow. They did not care. They told me that I had to request my hazard insurance be added into escrow in writing, which I complied with. When I called to follow up on XX/XX/XXXX I was told that everything was received and should take effect on XX/XX/XXXX, however my insurance company may not get the check for premium that quickly. Since I had been communicating with my insurance company this entire time, XXXX XXXX XXXX, they allowed a grace period as they were also trying to reach out to Lakeview to help get this resolved. Today is XX/XX/XXXX. XXXX XXXX has never received payment. My account has never been updated. I now have to pay out of pocket for my premium. Lakeview can not be reached. Their automated system simply states that they apologize if you receive a message during business hours, please call back tomorrow. XXXX XXXX has reached out to them as well with no luck. I am furious that this company was allowed to purchase my mortgage and alter my previous choice to have my hazard insurance deducted from my escrow account. This was never discussed or asked of me. I can provide documentation to show that XXXX XXXX XXXX paid my hazard insurance and property taxes out of escrow in XXXX before Lakeview purchased my mortgage. They should not be able to do this to unsuspecting consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Received a letter on XX/XX/2018 from XXXX XXXX XXXX XXXX trying to collect a debt for {$150.00} with American Express that is in good standing and NOT in default. The account is closed but payments are being made. I believe this company is trying to scam people into thinking their account is in default. I requesting that American Express be contacted so they can confirm my account is in good standing. AmEx would not be sending statements if I was in default.I have attached the last statement from AmEx.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report from the Corporation and your financial agency. This report was lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. 
The Fair Credit Reporting Act has specific requirement for the accurate reporting of an item when it appears on a consumers credit report. 

XXXX. FDCPA section 807 violation misleading false reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Student loan

Loan has been transferred to several different servicers, most recently Navient. When it was first transferred, the Navient representative told me that should I encounter financial hardship, I was eligible for unlimited forebearance. Not only was the forebearance limited ( 24 months, I think ), but a forbearance due to unemployment was only limited for 6 months, giving me no time to recover financially once I did find a job. I 've been trying for several months now to reach a human being at Navient to try to renegotiate my excruciatingly high monthly payments, but thanks to their automated phone system, reaching a human is near impossible. While applying for a different plan online is possible, the language is confusing and I need clarification, as I 'm afraid if I apply I 'll get stuck in a situation even worse than the one I 'm in now ( where my monthly payment is almost 25 % of my post-tax income ).
Product: Student loan

I have tried to file for forbearance 4 times and it is going ignored by the servicer. I have tried emailing them and I get no reply. All I continue to get is threatening letters and negative marks on my credit report. I cant afford the payments and they are doing absolutely nothing to help me.
Product: Mortgage

I contacted Ditech Financial to set up payments for every 2 weeks so that I could pay my loan off earlier and save come interest. I was told that I could change my loan from a variable rate to 3.5. I then sent in all the information and was told that the title was not in my name. Funny, the tax bills come in my name.
Here 's his email   XXXX   XXXX  , The title company just verified that you are not the owner of this house. The title is in the names of   XXXX   and   XXXX   XXXX  . You can not refinance this property with them on the loan. I can add  XXXX  and  XXXX  do the loan if you like and add your name to the title.
Please let me know how to proceed.   XXXX   XXXX    www.ditech.com/  XXXX   NMLS License #  XXXX  Ditech, a   XXXX    Company Home Loan Specialist Ditech Financial LLC |   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , PA  XXXX  Telephone   XXXX   | Fax  XXXX   XXXX  ditech.com See what our customers say about us : ditech reviews My mortgage is CURRENT.
What 's his scam? They even sent someone out to appraise the house-was that a scam too? Has this harmed my credit or my family in any way?
Product: Debt collection

This company keeps calling and asking me for personal information. They ask me my name, I give them my name then they want to know the last four of my social security number. I refuse then they want my date of birth, I refuse. I do not have to give anyone my date of birth nor my social security number. I ask them over and over " how can I help you? '' They will not tell me. My complaint is the company is asking for information I don't have to give. As a senior citizen, and with all the scams out there targeting seniors, I have been told many times to never give out my personal information. I refuse to run from any debt that I may or may not owe, This company has called me at least five or six times in the last two weeks. This is crazy and when I try to reason with them, they talk over me as if they can't hear me. Asking over and over for my personal information. When I say this is harassment they just keep asking the same questions over and over. I try not to answer but my sight is not good to see the caller ID. I just want them to tell me what they want and if they can not, Then send me a bill in the mail, But please tell them to stop calling because I will NEVER give out my personal information over the phone to someone I don't know. This is my only protection against fraud. Thank You
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX has recently taken money out of my checking account and put it on hold. I can no longer use my account or receive any money and get paid from my current job. They are saying that I owe {$XXXX} in debt to a target credit card that was opened in XXXX. I have no recollection of ever owning this card and owing any money on it. When I looked up my case number on the clerk of courts website, the history on this case doesnt make sense. There are certain documents where they are saying that the person that was served as a XXXX female with XXXX hair. I am a XXXX female with blonde hair. it also said the surname was XXXX. That is not my surname.
Product: Debt collection

I have been receiving numerous phone calls from a debt collector named XXXX XXXX from Mandarich Law Group LLP. He has been threatening me that he will take XXXX % of my check and will go directly to my boss to take away the money. I was part of a fraud scam, since I had fallen for an add on the TV stating that for monthly payments they would help lower my credit card payments. Long story short, it was all a lie and that company I had made arrangements with, sold the company numerous times and did n't resolve any of my credit card debt. Now I have this hostile person harassing me stating he will take away from my weekly paycheck, and being that I am a single mother, money is already tight as it is and their is no need to be so unreasonable as for him not to even want to negotiate with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters. Ive already included this in my previous Complaint # & I am including it again. I'm looking forward that the following items will be deleted as soon as possible : XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX  XXXX Balance : {$840.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; AXXXX XXXX XXXXXXXX XXXX : {$510.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXXXXXX Balance : {$20.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ;
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because XXXX XXXX XXXX, XXXX, XXXX, Equifax Inc., any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. XXXX XXXX XXXX is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This accounts need to deleted, and permanently removed from the XXXX and Equifax credit file of XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

Hi Bank of America That is not right by the rule of law book. 
I am deposit the check on mobile deposit on XX/XX/2022 and I was received the email said the fund is available on XX/XX/2022, Today is XX/XX/2022. I am call Bank of America asking them why mine check was not clear they told me on XXXX XX/XX/2022 The fund is available. 
Mine self and other customers feel like Bank of America not following the rules book and the law book. 
I am feeling like Bank of America try to hole customer money to investors something. 
Thank you
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting XXXX XXXX  accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victimof identity theft I have file an ftc showing proof that I am a victim this account keeps coming back on my report Transunion and XXXX have removed it for once and for all but XXXX has been the only bureau that the account keeps putting the account back on my report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 12 CFR Part 1022 ), the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681b ( a ) ( 2 ). 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus granting Equifax permissible purpose to publicly report the listed accounts and inquiries. This infringes upon my privacy and rights per the Fair Credit Reporting Act ( 12 CFR Part 1022 ), 15 U.S.C. 1681b ( a ) ( 2 ), and 15 U.S.C. 1681 ( a ) ( 4 ).
Product: Credit card or prepaid card

I have paid for the Account Assure protection program on my Lane Bryant retail card issued by Comenity Bank since XX/XX/XXXX. 

XX/XX/XXXX I was informed I was being involuntarily terminates from my job. My official date of separation was XX/XX/XXXX. 

I asked for information to file a claim for unemployment to help cover what I owed on my Lane Bryant card. I was told I had to wait 30 days of being unemployed to file a claim. On XX/XX/XXXX I filed the claim for unemployment. 

I was then asked to submit a form signed by my employer verifying I was involuntarily terminated, which I did on XX/XX/XXXX. 

Next I was asked to submit either verification that I am receiving Georgia unemployment benefits or if denied unemployment, verification that I registered for an approved job board. Nowhere available is this list of what an approved job board is. I submitted proof that I signed up for XXXX Georgia ( as required by Georgia DOL for unemployment ) on XX/XX/XXXX. 

For several weeks, XXXX  XXXX told me by phone and mail that it wasnt sufficient to complete my claim, but they wouldnt tell me what was needed to fulfill their requirements. 

Finally on XX/XX/XXXX, I submitted a letter with my documents stating I would report them to CFPB and the XXXX  if someone didnt contact me to resolve this. They said on XX/XX/XXXX they were reviewing my claim and it would take 7 business days. It is now XX/XX/XXXX, nine business days later, and they have not resolved my claim. In the meantime, I am unemployed, accruing interest and struggling to pay the minimum on my account balance. 

What is the point of my having paid for this account protection if I can not use it when I desperately need it?
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : CREDIT ACCEPTANCE CORP ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

w/Gratitude
Product: Debt collection

Negative Report Trident Asset Mngt ( XXXX  ) {$260.00} Opened : XX/XX/XXXX Purges : XX/XX/XXXX I never opened an account with XXXX. I have contacted this collection four times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and disputed the account with all credit agencies, to no avail.