23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

month of XX/XX/XXXX XXXX in fees XX/XX/XXXX XXXX XX/XX/XXXX XXXX in fees Total of XXXX with in 3 months. 
I work for XXXX and XXXX. You have good days and bad days. Times when 7 rides can be XXXX or more ans some days. 15 rides can only be less then XXXX. So you just cant predict what your making that day. I use my debit card to deposit the money I make daily And so I use it to put gas and to eat. I am constantly using it. If I over draw my account just by 3 fees. Its impossible to be able to Make enough for that day to have enough gas To just be able to cover those fees. So I deposit money in my account but at the same time accumulate more fees because its a hole I am not able to get out of. Its endless fees. 
I cant just not work to cover the cost of my fees and I cant open a different account to keep working wile paying the fees and keep feeding my self.. And avoid fees. 
I spoke to chase my situation they basically laughed at me. Because of these fees It eat all of my income. Unable to pay my rent My bills and my car payment. Its unthinkable that a financial institution is allowed to rob. 
People in this way. Basically taking advantage of people with low income. 
Its morally and ethically wrong. I called them to please refund me half of it. There excuse was weve giving you XXXX. Its outrageous And insulting to even say that. Trying to justify Why I should be happy with what theyve returned. Its infuriating and appalling. How they dont care and heartless Institution That only cares to take as much as they can And turn around if they just ruined someone life. Your not given much of a choice when it comes to banks that are willing to work with you. 
If you need a replacement of a card. You cant go to a branch to get one. Now its mailed and Its another way to accumulate those fees wile waiting to card .and extend the charges to different dates to continue to over draft the account. Theyve found ways to be more profitable. Then before just in fees alone. 

With in 3 months I accumulate XXXX just in fees not including Past years XXXX XXXX XXXX XXXX
Product: Debt collection

I am getting phone calls during my work hours to my work from this company ERC. I would be glad to return their phone call if they call my cell phone and leave a voicemail. I dont know how they found my place of employment as I never gave them this contact information of authorization to call me there. They keep calling me to my place of employment and I totally disallow this. They provided a reference # XXXX. The contact number they provided is XXXX and company is ERC. It looks like their website is www.ercbpo.com and guy that called me is XXXX ( did not leave last name ).
Product: Credit reporting, credit repair services, or other personal consumer reports

i try to dispute this trough XXXX severals times, specially my last dispute on XX/XX/XXXX was ignore, XX/XX/XXXX was ignore as well ( i even send the other party a letter on XX/XX/XXXX as well ) none of them reply : i tough they all should follow the law, none of was in compliance. ( see attach doc ), sometime they put the account as installment sometimes they reported as collection? this is account was never late ( i been paying my duty since 2009 and it was come in from my work directly ). i was never been notify by the company about any discrepancy, please assist.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 : lt also states a consumer reporting agency can not furnish account without my written instructions
Product: Debt collection

My mother took out credit cards without my knowledge. We found out after she passed away XX/XX/2022. I have tried working with midland credit management and XXXX to get this resolved and neither is listening or believing that the accounts arent mine. I dont know what to do anymore. Its been a year and a half and Im still living with my moms debt when I should not be.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item listed below to be an error. 

XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave EQUIFAX Reporting Agency OR XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EQUIFAX Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Checking or savings account

i received a check from someone to repay a loan that i gave them. i deposited the check into my account only to have the bank tell me that the check was no good, i did not know that the check was no good but since that time they have since put my account in a credits only status and wont let me hae access to any funds in my account even though the check has since charged back and no other fees or withdrawal will be coming back from the check. they arent allowing me access to funds that are desperately needed to pay my rent, car, and mounting medical bills and putting me at risk of losing my house, car, and life as i can not pay the necessary medical bills i need to keep my continued treatment at home and have been told that my medical treatment is going to stop if not paid soon.the money i my account has nothing to do with the returned check and there is no reason to block me from accerssing funds in my accoint. this is affecting every aspect of my life at the moment and the disregard for my abilty to pay for anything is criminal please have this resolved immediately because this is unacceptable..
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX* ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX, XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # QQXH ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX XXXX. XXXX-XXXX  on XX/XX/XXXX 4. XXXX on XX/XX/XXXX 5. XXXX/XXXX  on XX/XX/XXXX 6. XXXX XXXX  XXXX  XXXX  XXXX on XX/XX/XXXX 7. XXXX/XXXX  on XX/XX/XXXX THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX bankruptcy discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Chapter XXXX Bankruptcy-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid membership with the most expensive plan with Experian, and I am supposed to receive my report updates daily. For some reasons, the report does not update and I called Experian at least 5 times, but they have not done anything to get the issues fixed.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 extra credit union
Product: Debt collection

The man called 6 times today and left messages after Ive asked them to stop. He calls constantly. The business name he leaves is MCM.
Product: Vehicle loan or lease

I co-signed for a loan in XX/XX/XXXX. In XX/XX/XXXX my son was in a car accident and the insurance company deemed it totaled in early XX/XX/XXXX.   XX/XX/XXXX my son called the lender , credit acceptance , to get payoff status.  They informed him it was in a repossession status’s abd there was nothing he could do at this point.  I personally contacted the lender. They informed me it was due to not receiving proper documentation from the insurance company.   They mentioned they attempted to contact myself and my son numerous times however we both received nothing.  I feel they’re being unfair and not willing to assist with this error that was obviously caused by miscommunication. My son has never been late on his payments
Product: Credit reporting

Went to XXXX for my free credit report. Clicked on Transunion report ; got an error message saying I already received one this year. That is not true. I had my credit report file right in front of me to make sure I pulled the correct one. The most recent Transunion was pulled in 2012 by my attorney 's office using their software interface. 
So I was really XXXX when the next screen from TU was a " come-on '' to sell me my free credit report so I clipped that screen to OneNote to upload with this complaint. I XXXX this issue and learned that TU has been running this bait & switch for quite awhile. Is Transunion ever going to be slapped down for this? How about a swarm of locusts, or better yet a swarm of auditors & investigators from Treasury & Justice to poke around awhile. Nothing but a license to steal, or maybe XXXX from XXXX services got a new gig?
Product: Mortgage

For the Past 3 months XX/XX/2019, XX/XX/2019 and XX/XX/2019. My mortgage company " Ditech '' has failed to provide my with a PROMPT statement for my account. My bills are due the XX/XX/XXXX of the month and Ditech is not even generating a statement until after the XX/XX/XXXX of each month. This seems to be a violation of the Consumer Protection Act and the Periodic Statement Rule. I've reached out to Ditech about this matter each month and they still continue to delay my statements.
Product: Mortgage

Freedom Mortgage. I refinanced my condo in XX/XX/XXXX. I received a letter XX/XX/XXXX requesting proof of XXXX insurance. I purchased XXXX insurance XX/XX/XXXX and provided proof to Freedom Mortgage. I received a second letter asking for insurance from XX/XX/XXXX to XX/XX/XXXX or I will be fined over {$500.00}. I contacted my agent and informed him I was not informed to purchase XXXX  during closing. I looked over the closing documents it states fire insurance my HOA master insurance cover fire insurance which Freedom Mortgage has on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The bank sent me a new credit card after the old one had expired. The new credit card had been issued with a new number and new expiration date. I did not activate the new card and I was under the assumption that by NOT activating the new card it would not be charged with any recurring charges. I never authorized recurring charges on the new card. Somehow the un-activated new card was being used for recurring charges on this account. I previously received monthly paper statements in the mail however when the new card was issued the mailing address was printed incorrectly so I never received the new statements. I never became aware that this account was ( 1 ) being charged, and ( 2 ) that there were late payments being reported until I obtained a copy of my credit report. After this discovery, I immediately called the bank and paid the account off. There is no outstanding balance due on this account and this account needs to report a {$0.00} balance. Because the late payments that are being reported is through no fault of my own, I request these be removed immediately. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is known for predatory lending. It has been 7 years since I've had an account with them ( XX/XX/XXXX ), the account is required by law to be removed. XXXX XXXX XXXX is still marking the " Closed '' auto loan as delinquent and has marked up the interest on the account XXXX % of what the auto loan was originally for to this date ( XX/XX/XXXX ). I have been removed from any liability with this auto loan by a XXXX XXXXXXXX XXXX XXXX and will never make a payment on it. Last I checked, it is illegal to keep an item on a credit report forever. As of today it will be going on 7 years with each month a derogatory mark on my credit report. I am ready to go to court and settle this once and for all. 

I have disputed with XXXX XXXX, and all 3 credit bureaus with a response of " Account marked as accurate. '' With whom did they verify with? The creditor who has lost several lawsuits in the 10s of millions for their credit reporting and predatory lending? That's invalid and doesn't hold water. After this complaint, I suggest that this be reported to the Arizona XXXX XXXX XXXX XXXXXXXX to hold XXXX XXXX XXXX criminally liable for " Contempt of Court '', which is failing to adhere to the ruling of a sitting Judge.
Product: Credit card or prepaid card

I've been an Citi Bank customer since XXXX. I've always paid my bill in full never racked up interest charges and never missed a due date and my credit score is over XXXX. I had the advantage. On XX/XX/XXXX, I took a trip from XXXX, FL to XXXX, FL to propose to my fiance in XXXX XXXX. I was not in XXXX at that time and I did not have my Citibank credit card at that time. I saw that there was an unauthorized charge of {$12000.00} to my credit card account. I submitted documentation showing that even though this was my card I did not make the purchase and I was physically not in XXXX at that time. XXXX is the location of the transaction. I was not able to locate the card since I arrived back home. Since then Ive asked for a new card and tried to dispute the change but my account was cancelled by Citibank. I also noticed that my email account associated with my citi credit card account was compromised and that someone accessed my Citibank account online. I also noticed bank accounts added to my citi account I have no knowlege of. Someone had access to my email address as I noticed email I didnt send and emails sent from my email account asking for bitcoins for the attack to stop. I've tried explaining this to Citi Bank and this fell on deaf ears. I have been a loyal customer of Citi Bank since XXXX and it's a shame that they dont listen to their customers and that they treat loyal customers this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. I would like for it to be removed in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting a 30 day late payment on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported inXX/XX/XXXX and XX/XX/XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as theXX/XX/XXXXpayment and really this should have been posted as the XX/XX/XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.
Product: Debt collection

I recently had a credit report that showed I had several student loans that had and t to collections and that I owed child support. None of which is true. I have never had any student loans and have never had to pay any child support. It states that I owe {$6200.00} in Va child support and approximately {$10000.00} in student loans. There is also several medical bills that have been sent to collections that do not belong to me. I have never been to any of the medical facilities listed. On my credit report a XXXX XXXX is listed as one of my names. My name has NEVER been XXXX XXXX nor do I know anyone by that name. I have attached a copy of the false claims on my report.
Product: Student loan

Problem : Mohela student loan servicer Issue summary : Mohela falsely required borrowers, specifically on public service loan forgiveness ( PSLF ) to recertify their income early, despite federal requirements by the US Department of Education to wait.

Mohela has then used this opportunity to then up charge borrowers with a newly recertified amount and refuses to revert back to the old, lower payment amounts because it would not benefit them.

This has been happening to thousands of borrowers across the country, and Mohela is entirely unresponsive. In fact, they have then continued to suspend auto debits at just the last moment, which only further punishes borrowers because they are losing months and months of {$0.00} payment qualifying months towards their PSLF payments.

None of their staff are trained to handle these situations despite thousands upon thousands of their borrowers experiencing their ineptitude.

Requests : 1 ) The US Department of Education needs to close Mohela down for illegal activity. They can not threaten and charge borrowers higher amounts if they were not required to recertify in the first place.

2 ) CFPB needs to demand records from Mohela to investigate how many {$0.00} qualifying payments or lower payment amounts Mohelas borrow
ers have missed out on to qualify for PSLF and provide restitution to those borrowers.
Product: Credit reporting or other personal consumer reports

Timeline of Events. 

XXXX. XX/XX/XXXX : Equifax sent out wrong credit report that effected my credit approval. My score went from XXXX to XXXX for XXXX months ( XXXX XXXX XXXX ) before being fixed. 

XXXX. XX/XX/XXXX XXXX : I had a {$27000.00} credit limit with XXXX  in good standing at a {$0.00} balance. I have never had a late payment or missed payment for any of my credit accounts. XXXX took away over 75 % of my credit line for no reason. They also raised the APR on all three cards ( Dividend, Double Cash, Simplicity ) to almost 29.9 % from 14 %. When I talked to a credit representative they verbally said " My credit was not good and that my income was not enough to have this much of a credit line. '' My credit balances on all my other cards has never changed and I was never delinquent on any bills. After hearing this from XXXX, I demanded a letter in writing stating what they told me and they did in fact send me a letter about this incident. I have the letter in my possession and it states something different than what was verbally told to me. 

XXXX. I have 8 major credit cards ( XXXX, XXXX, XXXX ) with a combined credit line of {$100000.00} with only {$15000.00} balance used at a 15 % utilization. When XXXX took away my credit balance with no notice, it put me over a 20-30 % utilization for all my credit all around. This has caused all other credit cards to stop with APR promo financing, stop giving me a credit balance increase, stop from renting a new apartment, and even stopped me from getting a great rate on a new car. 

XXXX. XXXX has avoided mortgages to minorities in the past, they had a XXXX lawsuit regarding failed oversight on consumer percentage rates, and now we have a proposed class action lawsuit against XXXX and Armenian families in California. I truly believe XXXX either used an algorithm to attack my credit because of the hyphen in my last name ( XXXX ) or XXXX reevaluated my account with a bogus credit report from Equifax. They used the bogus report to take away credit and to raise the APR rate. 

XXXX. I truly feel taken advantage of and did not know what to do for the last two years until I saw the lawsuit regarding the algorithm and Armenian families.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up complaint to my previous attempt dated XX/XX/XXXX. I want these items to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$410.00} 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 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 Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$200.00}