23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Hi I finance a XXXX Chevy Tahoe with Go Fincial in AZ and the truck was paid in full XX/XX/2016, they have not reported truck paid I file complaint with XXXX and they have completed it saying it is correct. This is not true.
Product: Bank account or service

Td bank accepted an fraudulent check against my account for XXXX three weeks ago. I contacted them immediately and went down to bank to fill out all paperwork and police report ( XXXX XXXX ) the check against my account was so fake even the branch said it was crazy, and it didnt event have a full endorsement. After repeated calls to bank, Im getting nowhere. They say its under investigation from other bank, and no one can tell me when im getting my money back, they make it almost feel like its my fault leaving my money in their bank. It was a mobile deposit against theyre bank, and no one can tell me where the check was even cashed. I called fraud line 10 minutes after it appeared on my online banking account, now I had to get a new bank account, im late on bills, and my wife had to take a half day off of work to file claim
Product: Payday loan, title loan, or personal loan

I applied for a personal loan to consolidate some credit card debt in XXXX XXXX. I applied online via the XXXX XXXX website. I was offered a XXXX loan by lending club. When I discussed the terms with the representative I expressed concern about the 18 percent interest rate given my credit history. The rep argued that without collateral a higher interest was the norm. I reluctantly accepted with the mindset that I could later renegotiate the interest rate with consistent and timely payments. After I agreed to the loan terms, I realized that the APR was nearly 23 percent but the representative NEVER disclosed this during our conversation. I think the companys treatment of my loan application was predatory in nature as there was no regard for my past credit history and per the Dodd-Frank Act full disclosure is required of lending and financial institutions.
Product: Credit reporting or other personal consumer reports

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

Inaccuracies reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and Transunion credit bureaus XXXX After I filed disputes, an investigation by XXXX was conducted, and creditors verified that debts were mine. These are not my debts. I dispute these findings, and am requesting the following : Debt validation proof, detailed list of payments on account, my signature on said account contracts, any insurance claim filed on debt, proof of chain of title to collect on debt, in Accordance with 15USC 1692 G. I also dispute a Hard Inquiry on my Credit Report By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I received an email stating I had a receipt for the purchase of " XXXX XXXX '' in the amount of {$190.00}. I immediately logged into my Chase checking account and noted the pending transaction. I then called Chase right away to alert them that someone had made a fraudulent charge to my debit card and to please freeze me account, file a dispute for the charge, and send a new card. They did all of the above. However, to my surprise, I received a notice on XX/XX/XXXX that they " found that the transaction ( s ) was processed correctly or was authorized. As a result, we are removing {$190.00} from your account on or after XX/XX/XXXX. '' I immediately called chase again and asked them to explain why a fraudulent charge was being removed from my bank account. Their response being, and I quote, " because the company was able to provide your email address as proof that you made the purchase. '' What?! This is why Chase allows fraud companies to steal from their clients? I could find anyone 's email address on XXXX if I wanted! I explained that I had moved from the address that the item was being mailed to, a month prior to the purchase. Why would I order something and have it shipped to an old address, literally across the country? To be clear, I moved from XXXX  on XX/XX/XXXX to XXXX XXXX. This is evident in the official change of address provided by the Postal Service. The Chase representative stated again, because the company was able to provide my email address as proof that I made the purchase. This makes no sense. Chase allowed a fraud company to steal {$190.00} from my checking account. I will be closing my Chase account, however, not before I get the money I worked for, back.
Product: Debt collection

I wrote a letter to PLUSFOUR because I saw an account I did not recognize on my credit. That letter dated, XX/XX/2021 was returned to me! That can not be! I sent the letter to the address reported on my XXXX  report on XX/XX/2021. They did not have their proper address reported to XXXX! That violates the FCRA! PLUSFOUR, who is a data furnisher, must report 100 % factual information about me to the credit bureaus! They have clearly failed! They can not even report their own address correctly! It also violates my right to dispute an account as granted under both the FCRA and FDCPA! I demand justice right now!
Product: Mortgage

My mortgage was recently ( a few months back ) assigned to PHH Mortgage. ( I'm fairly certain it was an assignment of the loan, as opposed to the servicing function, but I'm not sure. ) My complaint related to fees they're charging in connection with online and phone payments. They are also having recurring issues with their website payment portal. 

My previous mortgagee did not charge any fees for online payments. As soon as PHH got involved, they started charge {$7.00} for each online or phone payment. When I questioned them, their position is that I am electing to pay the fee by not paying via check or a recurring automatic payment ( apparently they don't charge the fees for those forms of payment ). All of their communications go to great lengths to reassure you that you've consented to the payment, and that they retain a portion of it and pay a portion to the third party service. 

PHH also has a buggy payment website. It works about half the time. Today, I tried to log on to pay my bill, but the site was down. On the call, they acknowledged the recurring problems and said they're working on it. 

Finally, I have questions about their escrow practices. The previous mortgage company would send me checks periodically because my escrow balance would exceed the maximum allowable limit they are permitted to hold ( which I believe they said was something like your estimated insurance and tax expenses over the next six months ). I have not gotten any refunds from PHH, and my payment has been going up. ( One increases was legitimate and happened in connection with an increase in my insurance premiums ... about {$100.00} increase in premiums for the year ). I can't explain the other increases. 

I don't have dates because I can't log onto their website, but I tend to pay me mortgage during the last few/couple days of each month. So, the fees have been charged near the end of each month for the past several months. 

Thanks for your help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  has violated my rights. In accordance with the Fair Credit Reporting act 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
Product: Checking or savings account

Someone used my information to open a chase bank account online and deposited a fraudulent check into the account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies present on my consumer report, which I have recently obtained from Equifax. Despite my attempts to resolve these discrepancies through your dispute resolution process, I have been informed that these inaccuracies are not currently reporting on the Equifax credit file which is false. 
I am requesting monetary relief in the amount of {$5000.00} per disputed inquiry still remaining on my report and {$5000.00} per false statement. The inaccuracies I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have thoroughly reviewed my credit report and have identified these discrepancies that do not reflect my financial history accurately. I have provided supporting documentation for each disputed item in my previous disputes, and yet, Equifax has failed to rectify these errors. 
Consumers are entitled to accurate and complete information in their credit reports. Equifax is obligated to conduct a reasonable investigation into the disputed items and correct any inaccuracies found.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I had my 2 PayPal accounts permanently limited. I was told via email that I will be able to withdraw my funds in 180 days which is an exceptionally long time. I was also told I will receive an email when it was available. 

I appealed this decision and it was denied by PayPal on XX/XX/XXXX and again I was told that I would receive an email within 180 when my money was available. 

I never received an email after that and it has been far more than 180 days. I tried to withdraw my money this week in both accounts and PayPal would not let me, saying there is a problem with my account. 

One account has {$23.00} and the other account has {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed there were some things that was not correct. I sent a letter to Transunion on XX/XX/XXXX.But it has been more than 35 days since the credit bureaus haven't responded. That is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies 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 disputed 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.
Product: Mortgage

I had a co-op apartment mortgage ( taken XX/XX/XXXX ) with XXXX XXXX on a unit in XXXX, NY XXXX. It was paid off when I moved and sold the property in XXXX XXXX. My credit report is still generating UCC documents showing this loan under Financing Statement # XXXX ; I need paperwork to be filed to show the discharge of this mortgage. ( Common sense would tell you that nobody keeps a 9+ % mortgage OR  continues paying a mortgage after its 30 year term. ) XXXX was at XXXX XXXX of XXXX, XXXX, NY XXXX, but the company and its XXXX XXXX XXXX. Servicer were sold by the FDIC as receiver ( attorney XXXX XXXX XXXX ) to Key Corp of XXXX, NY in XXXX. Key Corp. in turn merged with XXXX XXXX XXXX XXXX, OH, leaving me unsure where to start.
Product: Debt collection

Good day to whoever is resolving my issue. I just wanted to report my credit card companies that violated my rights by giving third party accounts my information. They also violated my privacy under the Fair Credit Reporting Act, which is law 15 U.S.C. 1681-1681x. If you need me to provide the account names and numbers to resolve this issue please let me know ASAP.
Product: Debt collection

I opened an account with " XXXX XXXX XXXX '' and paid them directly for their services. The company uses Monterey Financial to service their accounts. Monterey Financial has been contacting me repeatedly about the debt and I informed the representative and provided proof that I had paid " XXXX XXXX XXXX ''. Because Monterey Financial has been unable to get in contact with " XXXX XXXX XXXX '' ( per their representatives ) they reported the account as late to all three credit reporting agencies, even though I paid the debt already. I also paid an additional {$88.00} dollars while to company attempted to sort out the discrepancy to avoid the account being reported as late but they reported the account anyway. Both Monterey Financial and XXXX XXXX XXXX have been extremely unprofessional, unorganized and have unfairly and unnecessarily damaged my credit.
Product: Vehicle loan or lease

My wife and I had a car loan through XXXX XXXX XXXX XXXXXXXX XXXX XXXX, the loan was sold to Truist Bank. Truist bank gave us little to no notice that the loan was sold and we were set up on auto pay with XXXX XXXX XXXX XXXXXXXX XXXX XXXX. They did email my wife which went to her spam, and called her and they left a message while we were on vacation. As soon as we noticed the money had not been coming out we squared up the balance with Truist bank. We also asked them how to clear our credit history of any missed payments, due to the fact that we felt were not at fault. We were told to reach out to the credit burrows individually and dispute the record. This did not help. What can we can we do?
Product: Credit reporting or other personal consumer reports

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXXXXXX Balance Owed : {$900.00}
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Subject : Complaint Against Credit Bureau for Failure to Reinvestigate and Remove Inaccurate Information To Whom It May Concern, I am writing to file a formal complaint against [ EXPERIAN ] for their failure to properly reinvestigate and remove a late payment entry from my credit report. This entry pertains to my account with XXXX XXXX XXXX XXXX In accordance with 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ), I disputed the accuracy of this late payment with the credit bureau, as I believe it to be incorrect. Despite my initial dispute and providing supporting documentation, the credit bureau has failed to conduct a proper reinvestigation as required by law. The erroneous late payment entry continues to appear on my credit report, negatively affecting my credit score and financial standing. 
The relevant details of my dispute are as follows : - Account Holder : XXXX XXXX XXXX XXXX - Creditor : XXXX XXXX XXXX - Account Number : XXXX - Dispute Reference Number : Complaint Number XXXX - Date of Original Dispute : XXXX I have attached copies of all correspondence related to my dispute, including my initial dispute letter, supporting documentation, and the responses received from the credit bureau XXXX 
This failure to reinvestigate and correct the inaccurate information is a clear violation of my rights under the Fair Credit Billing Act ( 15 USC 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( A ) ). I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure that the credit bureau complies with its legal obligations. 
Please acknowledge receipt of this complaint and inform me of any further actions or information required from my side. 
Thank you for your attention to this matter.
Product: Credit card

I returned merchandise to the XXXX XXXX for a refund over 30 days ago. I still have not received a full refund and when you check the credit card statements, you can see where the credit was applied to the account and then taken back on the same day. There are about XXXX cherges that have not received a matching refund from XX/XX/XXXX to the present. I have reported this to Merchant Disputes but I still can not get any solid answers as to what is going on. I am trying to determine if the credits on my account are : 1 ) correctly reported from XXXX and 2 ) if the credits that were taken away from me were taken away by XXXX or my credit card comany as a re-billing for fraudulent reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax, XX/XX/XXXX and XX/XX/XXXX on three different occasions XX/XX/2020, XX/XX/2020, and XX/XX/2020 about fraudulent accounts and inaccurate personal information that is present on my credit profile also due to fraud, I also called in XX/XX/XXXX and spoke with the supervisor XXXX XXXX, ref # for the call is XXXX XXXX XXXX, I also spoke with XXXX same reference number I was told inaccurate info would be removed ( addresses, names, inquiries ). Those items are yet to be removed. I also sent proof from FTC report with dispute letters. It is evident they are breaking the law seeing that they haven't responded in over 90 days. These are the tacking numbers for each certified dispute that was sent out XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. These are the fraudulent accounts and inaccurate info requested be removed XXXX XXXX XXXX account # XXXX, XXXX XX/XX/XXXX A account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that need to be removed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Please review this info and check with these bureau to see why they haven't removed these accounts or even responded to me within the legal time frame. Thanks.
Product: Mortgage

NewRez did not follow its own terms and conditions and delayed the reforecast of our mortgage. The attached letter goes into detail about the misinformation and delays that were the direct result of NewRez 's mismanagement of our mortgage.
Product: Debt collection

The letter dated XX/XX/year> was received today XX/XX/year> and states that they are going to sue me in local court, put a lien on my property, obtain a lien on my property, and obtain information about my assets. I owe {$2600.00} supposedly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/1990 Last 4 of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account : BMO HARRIS ; Account # XXXX To Whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also having a PAST DUE BALANCE OF {$3400.00}. 
This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion. 

XXXX XXXX
Product: Debt collection

We lived in XXXX XXXX XXXX XXXX XXXX at XXXX XXXX 's edge apartments Auburn wa XXXX. In XX/XX/XXXX our water heater broke on the ground floor,, a window was leaking down the wall in my daughter room and there was black mold in the closets and a leak under the kitchen sink When the removed the water heater in the hall closet there was a approximately 1 foot by 2 foot hole directly to the ground with exposed dirt and bugs. I asked them to fix it and they said it wasn't. Big deal and they only had the 2 guys for the whole apartment complex. We had moved in XXXX and I was out of work until XXXX and my husband was out of work prior to that in XX/XX/XXXX. I was getting ready to restart my job. I td them we can't live in a unit with mold and dirt and holes to the ground with ants and bugs. The maintenance guy said, '' well that's my choice he guesses and he will get to it someday. I was protected under moratorium act but because of how gross it was in XXXX we had to move. I told management our new address and stated I would work out a payment plan with them. Well the very next month I received notice that it was already at a collection agency and the full amount was due or payments of {$300.00} a week for 2 weeks and then {$200.00} a week until my balance of + {$16000.00} was paid. I initially agreed And set it all up. This week I called And tried to get the amounts adjusted bc I realized it was a lot of money on top of ll the other bills I have. I they wod not work with me. I feel this is a lot unfair and poor taste that they wouldn't work with me and that to make the apartment disgusting causing me to leave so they could file the claim for the amount due was poor business. Because of the unliveable condition of the unit and the force move I should be protected under the moratorium. I will probably have no choice but to fie bankruptcy. I will be discussing the situation with an attorney. 
Thank you, XXXX XXXX XXXX Current address XXXX XXXX XXXX XXXX Unit XXXX XXXX, Washington XXXX
Product: Credit card or prepaid card

Around Saturday  XXXX, I get a text message from XXXX about a credit card application that was not mine. I later checked my hard inquiries on my credit report saying there was something involving XXXX, so I think I am a victim of identity theft.
Product: Credit reporting

I have numerous times tried to access my Transunion and  XXXX  reports to dispute incorrect information such as names and addresses I have never used, and fail to even be able to process because I can not get past questions, which I answer correctly. I have attempted to fix this many times and for years I 've always been denied access to my own report or online dispute options. I am the person who files they hold yet I 'm denied access.