23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to Experian regarding their reporting of an inaccurate account on my report. They have failed to conduct an investigation and they have not fixed the account.
Product: Debt collection

XXXX XXXX XXXX is reporting a collection on my credit reports for a auto loan I do not owe. They have never contacted me about this debt or given me the opportunity to dispute the debt originally. I have disputed via the credit bureaus this collection and sent a letter requesting proof of debt. They have no signed contract between myself and them proving that I owe this {$10000.00} amount. Secondly the company that responded to my request for validation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX my drivers License and social security card are being furnished to multiple companies without my permission and as a current victim of identity fraud which is noted in all of my credit reports this is a violation of my privacy and civil rights.
Product: Vehicle loan or lease

We have had this loan since XX/XX/2019 we have paid almost {$6000.00} towards this vehicle the balance only reflects about {$3000.00} the company will not respond to my requests for payment historys and when I tried to refinance the vehicle through my bank I was told this was a predatory lending situation because they basically put me in an upside down loan. I would like this modified to the actual value of the vehicle we have made all of our payments in time and dont deserve this!!
Product: Checking or savings account

I had a chase total checking account from XXXX to XXXX. I have struggled with maintaining a positive balance since my accounts initiation. I incurred many over draft fees because Chase allowed me to overdraft up to $ XXXX despite almost never maintaining a positive balance. 

Over the course of three years, I amassed over {$11000.00} in overdraft fees. Yes, {$11000.00}. Chase forgave about {$1700.00} and refused to help me further ( I made many attempts to recover the fees via direct virtual message, but time and time again I was told Im not getting anything else back ). 

Including refunds Ive been given, I have paid chase bank in total {$9800.00}. I am unemployed, collecting {$400.00} XXXX per month, do not have ANY assets, ANY savings, ANY resources, I collect food stamps, and my current balance is about {$600.00}. I am among the POOREST of all chase clients, yet I paid {$9800.00} in overdraft fees, and they are REFUSING to refund me. 

My complaint is NOT a legal one. It is a moral, ethical, human complaint. I want the CEO of Chase to know my personal situation. I want him to reach into HIS pockets and refund me, because its people like ME ( the victims of corporations like Chase bank ) that fund the millionaires who refuse to give me MY MONEY back. Its not their money its MINE. 

I have nothing, and need my money back now! I have {$600.00} in the bank total and {$13000.00} in credit card debt. My credit score is XXXX. Im XXXX and live with my mother. I dont drive. I cant work right now. My home life is toxic but Im TRAPPED because of financial issues like this one. 

I went to two Chase bank branches today and was told theres nothing we can do. XXXX!!! There is DEFINITELY something they can do, give me my {$9800.00} back! I will not rest until I am refunded. I will make this as public as I need to. 

Please note chase banks overdraft policy has since CHANGED and if the same Account would have the same transactions today, it Would not be charged any fees according to their current policies and procedures. The policies and procedures which caused me to lose this money are now obsolete! Why cant I get my money back? 

THIS IS MY PERSONAL MISSION AND I WILL NOT REST UNTIL CHASE PAYS ME BACK.
Product: Credit reporting or other personal consumer reports

I have mailed notices to First Financial Bank on both XX/XX/XXXX and XX/XX/XXXX, instructing this company to remove the individual transactions and change the account disposition. I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed this company reporting non credit transactions, nor was there any application to apply for credit. This company is in clear violation of the law. Under 15 USC 1681 ( 2 ) ( i ) and 15 USC 1681 ( b ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? No, I did not. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) G ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " '' consumer report '' does not include- ( A ) Subject to section 1681s3 of this title, any- report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; TRANSACTIONS ARE IN FACT NOT TO BE INCLUDED ON THE CONSUMER REPORT, PER CONSUMER LAW. I would like this reporting removed from my credit report along with the amount of that account to be removed. This was not an extension of credit at all and should not be used to determine credit worthiness.
Product: Credit card or prepaid card

As a result of a previous issue with a fraudulent credit card company, my score dropped over a hundred points. The illegal reporting was removed but the damage had been done. In an effort to increase my credit score, I followed the suggestion of XXXX XXXX XXXX to open a credit card. Unfortunately, the card required a deposit in which I was not willing to pay so I never activated the card. A month or so later I received a call indicating that I owed approximately {$140.00} on the card. I told the company that it had to be a fraud and asked them to investigate it. I also told them if it was an open account it needed to be closed. I was told an investigation would not start. In XX/XX/XXXX I received an alert regarding the same credit card that I was 30 days late. This issue is very very similar to the one with XXXX  that I had already been through. I called the company and asked why I was being reported when I never received an explanation or accredited answer from their fraud department, which is when they brought up XXXX. I currently have an attorney suing XXXX and XXXX  XXXX. When I questioned if the fraud investigation had been completed, they said they could not talk to me because I had representation. I have just finally escaped a XXXX  XXXX relationship, which caused me serious financial hardship in XXXX of XXXX, and was trying to sell my home and buy another close to family. However, because of XXXX, I was unable to get a favorable rate. So, I tried other avenues and the market changed in XXXX and rates skyrocketed, and I was not able to move. So, the XXXX suggestion seemed like a good one, until I was put right back into the same situation. This is a fraudulent pattern with the company that represents both XXXX  and Destiny credit cards. This behavior is extremely harmful to the public at large, especially those who have no knowledge of how to challenge these types of events that affect their very livelihood. 
Please investigate this company and the reporting practices of the credit reporting agencies that do not challenge these types of things but simply rubber-stamped them. I am once again going to try and purchase a new home and this has become a nightmare that just won't end. After all, I have been through having to deal with something as important as these, and having no control is devastating. It's only by the grace of XXXX that I have not lost my mind!!!
Product: Credit reporting or other personal consumer reports

For the past 6 months i have been trying to fix my credit and i have been getting the run around or stall letters or being told that my accounts are verified and accurate but when reviewing my credit reports the accounts in question are still inaccurate ( which is a violation of 1681e ( b ) ( b ) ) and when told to verify how they validated these accounts and conducted their investigation i do not get any communication back and am not provided the information requested ( which is a violation of 1692g ) my accounts that are in dispute also dont reflect that on my credit report ( violation of 1692e ( 8 ) ) and it has been way past 30 days..

i have attached all letters and communication via pdf to review
Product: Checking or savings account

In XXXX XXXX XXXX wells Fargo took XXXX dollars from my acct and then closed my acct, so that I couldn't even see the transaction to dispute. I had the clear access banking which doesn't allow you to overdraft yet alone withdraw money from ATM. I clearly stated this to agent who vehemently said that I overdraft that large amount and I know for a fact that I can't even overdraft XXXX XXXX
Product: Mortgage

In XXXX of 2018 Ditech Financial claimed all of a sudden that I had a shortage in my escrow of approximately {$750.00}. How is this possible. The math doesn't add up. My payments have gone from {$530.00} to {$730.00} a month! No one will give me answers and customer service is almost non existent. I need this resolved immediately!
Product: Mortgage

I have been trying since XX/XX/XXXX to obtain payment information on my uncles mortgage because it was transferred from XXXX XXXX  to selene financing. They having been giving me the run around I have sent multiple documents including an short certificate signed by the XXXX County court, a death certificate, XXXX my personal identification. They would not even cooperate with our estate attorney. Now as of today they are stating they need a copy of my birth certificate. We had a buyer for the house that should of closed on XX/XX/XXXXXXXX XXXX We are XXXX XXXX  stand still because they keep giving us the run around on obtaining a pay off.to settle this debt. They are assessing all kind of late fees when I am trying to get this settled. Every day it's something else they need.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  In accordance with the fair credit XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may noga treat a payment on a credit card account under an open-end 157 consumer credit plan as late for and purpose.
Product: Debt collection

XXXX is a greedy company to be frank. They have been harassing me by phone about a wireless internet service that I have not used in months ... very little or if any in the entire year of XX/XX/2016. I have had to file not XXXX, not XXXX, but XXXX complaints against them within the last several weeks with the FCC. I recently paid my last bill of {$65.00} for a service that I have not used in many months and cancelled the service. No one did not mention that I had anymore money to pay. Now, all of the sudden last week, I get a bill in the mail from a debt collection company called Vantage Sourcing XXXX for {$81.00} for a service that is cancelled and for a service that I have not used in many months. XXXX have sent me bills directly for years, but now all of a sudden, they send my bill to a debt collector. The only reason XXXX sent my extra bill to a debt collector is because I complained to the FCC 2 times about their harassing phone calls ... that 's the only reason! I 'm being made to pay an extra bill because XXXX is doing it out of spite, retribution, and revenge because I contacted the U.S. Government about them. After I cancelled my service, I received a statement saying my monthly fee is {$0.00}. But if I do n't owe anything, why am I being charged then??? XXXX is trying to make life hard on me, that 's why. I would like for the FCC, FTC, and the Department of Justice to investigate XXXX for their business practices ... something is not right here. The ceo of XXXX needs to be held accountable for the actions of this company period!!!
Product: Mortgage

My home mortgage is currently at Chase Bank and it is in good standing. I received a letter from Chase Bank the first week of XXXX 2016 offering to re-finance my loan at a lower rate, 3.125 %. The day after I received the letter I called the number listed in the letter to start the re-finance process to get the rate quoted and I was told that the letter was just a marketing letter and, assuming my credit was good, which I assured them it was, my rate would be 3.8 %. 

When I asked why I could not get the 3.125 % rate they told me that was the rate on XXXX/XXXX/16 ( which the letter stated ) and because it was a month later and rates had moved, the 3.125 % rate was no longer available. I believe this was purposely deceptive for XXXX reasons. 

First, I believe the letter was an offer to re-finance my home and not a " marketing letter '' as the bank has stated. I believe this because it was addressed to me specifically, it referenced my account number, it quoted my approximate loan balance and it quoted my current loan rate. Clearly, this letter was directed to me and it was specifically about my loan. 

Second, when I pressed to find out why I could not get the rate quoted in the letter I was told that I would have had to apply for the re-finance on XXXX XXXX, 2016 to qualify for that rate. Since I did not even get the letter until the first week of XXXX XXXX and I called the day after I got it ) I do n't think they had any intention of offering me that rate. They said further that since rates have moved since XXXX XXXX, 2016 it was no longer available. XXXX XXXX have moved but they did not move by XXXX basis points, the difference between what they quoted me when I called XXXX 3.8 % ) and what they told me I could get in the letter XXXX 3.125 % ) from XXXX XXXX, 2016 to the first week of XXXX, 2016. Further, although I was told that because I did not call on XXXX XXXX, 2016 I did not qualify for the rate quoted, I do not believe that Chase did any loans under the terms that were quoted to me in the letter, including the loans they did on XXXX XXXX, 2016, the date the letter said the 3.125 % rate applied. To support this point, under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX banks are required to collect data about the loans that they make, so it should be readily verifiable from their XXXX log that nobody got the rate that was quoted in the letter. 

I believe the letter was purposely deceptive and they had no intention of offering me the rate that was quoted. They clearly sent me the letter after reviewing my file, putting my account number, approximate loan balance and my current rate in it. I did not receive the letter until more than 30 days after the rate was to have been available. In my opinion this is a clear case of a bait-and-switch selling tactic.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

This company originally tried to collect on this debt in 2017, I had it removed from my credit report because its not mine and the company had no information that concluded that it was mine. Now its back on my credit report again. Ive contacted the company by sending letters and nothing has changed
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok so I am a victim of identity theft and I had went online numerous times tonight to try to access my free credit report but every time I put in my email and username it would display a error message stating they did not have anyone by that username and or email address and I tried resetting my email password that failed as well. So I called equifax ( or  so I thought I was speaking to a customer service representative at equifax but she kept telling me my information was not matching up and she kept asking me the same question about student loan balance well a red flag went off right there ; ok so she had told me to write a cover letter and explain that I am sending in all of this information just to confirm my identity. She gave me the phone numbers to XXXX & XXXX. I called XXXX and was being harassed about giving him my credit card information and paying a $ XXXX/a month fee for a $ XXXX/ gift card. Well he abruptly hung up on me and gave me XXXX before he hung up. I called XXXX to reach XXXX they both have my social security number ok and I am already a victim of identity theft. My ssi number is XXXX my dob is XX/XX/XXXX. My cell # is XXXX. I am requesting credit reports from all 3 of the credit bureaus because I am a. I tin of identity theft due to XXXX XXXX and my own family members have been committing cyber crimes by allowing hundreds of people have access to my camera my text messages. I have been XXXX XXXX. I have been XXXX XXXX and so much more
Product: Debt collection

Midland collected and garnished my wages once before, without serving me properly or attempting to meet face to face in court.

Then they have threatened and contacted my employer first with the same judgement they use the first time to garnish my wages, and now is threatening with garnishing my wages again after I agree to make monthly payments until the debt is satisfied.

They still have not served me with court documents to appear in court. Midland wants to garnished wages from employment when I can't even keep up with regular bills. 

The thread of garnishing my wages have me in a state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2024 South West Credit Services reported on my account that I owed {$1200.00} to a company that I had no affiliation with. I asked them for a debt validation but they never said they would send my a debt validation. As they looked further into the account they stated the account was through XXXXXXXX XXXX whom they are no longer associated with but it was now through XXXX, XXXX and XXXX XXXX are not associated in any way. I reached out to XXXX on XXXX XXXX XXXX whom I actually been with for 4 years and they stated they do not have any other accounts in regards to me that shows im in collection. This insisted this debt collection was not from them. SouthWest Credit Services not only has the wrong information on file they also gave me false information in regards to where this debt came from. My score has dropped tremendously and I have no understanding on why this was added to my account.
Product: Mortgage

MY BOA MORTGAGE IN XXXX XXXX WAS {$790.00}. BOA THEN INCREASED IT TO {$1100.00} BEGINNING XXXX XXXX. IT WAS AN INCREASE OF {$340.00} DUE TO AN ESCROW SHORTAGE POSSIBLY. SO I PAID {$4500.00} FOR XXXX, XXXX, XXXX, & XXXX XXXX. 
ON MY STATEMENT I SEE THAT THEY PAID {$710.00} FOR COUNTY TAXES. 
I FILED A PREVIOUS CFPB COMPLAINT DUE TO THE {$340.00} INCREASE ISSUE. XXXX XXXX BOA INFORMS ME THAT MY MORTGAGE IS GOING TO BE {$890.00} BEGINNING XXXX XXXX. 
HERE 'S MY QUESTION ... .WHERE DID MY {$4500.00} GO? BOA PAID A CO TAX BILL OF {$710.00} AND TOOK CARE SUPPOSEDLY OF AN ESCROW SHORTAGE ... UNKNOWN AMOUNT ...??
Product: Consumer Loan

Although debt was not validated to clear the issue I sent in a letter and check that said " in cashing this check this you consider this account paid in full and agree to remove it from all XXXX credit bureaus ( XXXX, XXXX, XXXX ). This was cashed on XX/XX/2017 and the account has not been removed from all XXXX bureaus as of today.
Product: Checking or savings account

Im writing for the case of XXXX for account ending with in XXXX. 

In XX/XX/XXXX I called to dispute multiple unauthorized charges in my card from XX/XX/XXXX to XX/XX/XXXX for a total of {$1100.00}. they credited me on multiple dates for a total of {$1400.00} from XX/XX/XXXX to XX/XX/XXXX which more than i disputed. between XXXX {$1000.00} was deducted from my account by them, I called them for an explanation, they stated because they credited me double of what I said, which isn't truth they credited me XXXX more. I demand them to open the case and looked at the error adjust my account they decided to closed my account and they won't give me an answer that was XX/XX/XXXX the bank statement I pulled from their website wisely.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from aconsumersfilepursuant to subparagraph ( A ), the information may not be reinserted in thefileby theconsumer reporting agencyunless thepersonwho furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from aconsumersfilepursuant to subparagraph ( A ) is reinserted in thefile, theconsumer reporting agencyshall notify theconsumerof the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumerfor that purpose, by any other means available to the agency. 

These are the accounts that re appear on my credit report the same day as deletion meaning how can they follow steps to re insert properly if they reappear the same day XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file : 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
Product: Credit card

I tried to pay a minimum payment and was charged the full balance resulting in an overdraft fee and must of my money being withdrawn from my bank account. I spoke with them two times on XXXX XXXX and XXXX and was told my two different agents that my refund request was submitted and would process in 7-14 days. I called again onXX/XX/2025 and was told that my refund request was never submitted by the representatives