23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Date : XX/XX/2018 Open : XX/XX/2018 Amount : {$13000.00} XXXX XXXX  put us in collection with XXXX XXXX XXXX XXXX trying to claim that I and my spouse own them {$13000.00} which we're not because we move out before the eviction date which was the 3 days notice they told us on the paper and stick it on our door but we didn't go to court and and court already said that its dismissed but they still want to claim us which we believe its a lie saying XXXX now when we went to the apartment to make sure now they told us to pay XXXX something now as you can see the property trying to tell two different story here and trying to collect the past rent but with the law for Washington state saying that on XXXX also saying if you move out before the expiration date they gave you they should not lay hand on your money no matter if you own them past due rent ... so now my lawyer is trying to see because he told me he don't see any eviction for XXXX XXXX in XXXX WA so now its getting cold and we live in our car because of this.. So please disputed this from all of the three credit from mind and also my spouse credit thanks and may god bless us all thanks for reading this.. 
if you want me to email the paper court please send me your best email and a phone number so i can send you all the document you need. 
and your name thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

AXXXX XXXX {$0.00} Closed. {$1700.00} written off. 

XXXX XXXX XXXX- {$7700.00} XXXX XXXX XXXX IN - {$2300.00} XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} These are all negative accounts on my credit that are not mine and have never been verified that are mine either. I have disputed all these 7 accounts several times and they keep coming back as verified without any proof. I have disputed all these accounts with XXXX, TransUnion and Also XXXX and they refuse to remove them from my credit report.
Product: Consumer Loan

I financed a vehicle through American Credit Acceptance and XXXX 18 months ago. The vehicle turned out to be a lemon. Two weeks after purchasing it, I had to take the vehicle back to the dealership for major repairs. Those repairs were again repeated two weeks after that. Over the course of one year, countless repairs were completed on the vehicle. In most of these situations, the vehicle had to be towed raking up additional cost. One year after the vehicle was purchased, the vehicle was deemed inoperable. It requires an engine to operate, approximately {$2600.00}. XXXX refuses to deal with the situation and American Credit Acceptance has been impossible to work with. The value of my vehicle is {$200.00} according to XXXX and ACA is requesting a minimum of {$3500.00} in 15 days. The co-borrower on this account is XXXX and such a lump sum is a ridiculous ask when you are caring for primary medical needs. 

ACA is the absolute WORST finance company to finance a loan through. They have predatory lending behaviors and have already been sued by the state of Mass. for these very things. 

Every time we called, we received a different story-line, countless careless employees, and was even refused service by a member of " upper management ''. 

Below are a list of employees I worked with : XXXX ; provided false information XXXX ; repeatedly stated that there was no flexibility XXXX ; refused to service us XXXX ; threatening to hang up the call
Product: Bank account or service

Yield to High Deposits, Rewards, Missed Deposit and Reserves Prompted Balance Precision Balance Amounts XXXX XXXX, XXXX to XXXX XXXX, XXXX Balance {$75000.00} Receipt deposits {$12000.00} to XXXX Balance {>= $1,000,000} Deposits Credit though not in receipted {>= $1,000,000} to {>= $1,000,000}, {>= $1,000,000} BOA Revenue and Reserves Balance {>= $1,000,000} XXXX to XXXX XXXX XXXX and Reserves Balance {>= $1,000,000} At account opening interes computation on interes is calculated on combined account from checking and saving Bank errors are found on interes computation yielding is daily can not presumably tune to XXXX XXXX 366 days and is contradiction to 12 months APY computation notion Actual Rate interes on receipted deposits base on relationship from XXXX to Present, XXXX {$12000.00} to {$40000.00}, should come out to not below 20 % daily Beside prompted and position Bank of America to become number XXXX twice in prior 10 year with net reserve BOA {>= $1,000,000} aggregate balance $ XXXX {$700.00}, {>= $1,000,000} Daily Interes sum on combine account deposit is $ XXXX and even applying your so call XXXX formula yield $ XXXX/daily multiply to 130 days yields $ XXXX yield come to $ XXXX multiply to XXXX cycle is {$25000.00} month, Minimum 3 times breach fees apply from XXXX to XXXX {$75000.00} Base on not applicable concealment, not adequate notice and yield breach trend from deposits {$12000.00} to {$40000.00} on 12.5 % ( {$340000.00} ) ( XXXX ) {$540000.00} ( XXXX ) = {>= $1,000,000} Itemized cyclic computation from initial cycle interes on combine accounts is {$1600.00}, from initial date XXXX XXXX, XXXX, .04 % ( XXXX ) {$1400.00} and XXXX XXXX, XXXX, .04 % ( XXXX XXXX {$200.00}, Second Cycle sum is {$46000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$700.00} and XXXX XXXX, .04 % ( {$38000.00} ) {$45000.00} Third Cycle total is {$42000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$34000.00} ) {$41000.00} Fourth Cycle sum is {$39000.00}, XXXX XXXX, XXXX, .04 % ( {$30.00} ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$33000.00} ) {$39000.00} Fifth Cycle Sum is {$39000.00}, XXXX XXXX, XXXX, XXXX ( XXXX ) {$38000.00} XXXX XXXX, XXXX, .045 % ( XXXX ) {$470.00}
Product: Credit card

Someone fraudulently opened a credit card in my name at XXXX  in XXXX. I immediately reported it as fraud and initiated a dispute and investigation. XXXX  came back and said they found no fraud and insisted I pay the fraudulent charges. I never called to confirm the new account as stated in the introduction letter I received but they allowed the card to be used anyways. I never received any card in the mail, did not activate any card either.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX was paid in full by my car insurance company when my vehicle was totaled. They however reported a false balance to experience which was constantly disputed. When disputing the account Experian in a matter of less than two days sent an email stating the completion of the investigation. Experian could not have properly investigated this account
Product: Debt collection

I am currently XXXX and unable to work or secure full time employment. I am attempting to resolve a few issues on my credit report so I can relocate though a low income housing program offered through the Local Housing Authority. I am being represented by a credit counseling agency and on XX/XX/2021 they attempted to contact XXXX XXXX XXXX on my behalf to pay this resolve this debt on my behalf. I was literally in the office with them when they made the call and they refused to cooperate with my representative. This type of behavior is unacceptable from a professional debt collection agency that they claim they are. I will be contacting there client, Bank of The West and ensure that they are fully aware what kind of 3rd party company they are associating themselves with. We were simply calling to confirm the nature of the debt and pay it using the housing authority funds allocated for me through the homeless initiative. Why does a debt collector not want to collect debt?
Product: Student loan

I am absolutely shocked. I have NO idea where this lon came from, i didnt certify it, sign on it, or consent to it. I was on scholarship during the time that this loan claims it was taken out. I would have never taken it out. I begged for help regarding this and they never contacted me back. I was distraught. 

On XX/XX/22 I had no other choice to pay it, and decided to enroll in auto pay and to pay my loan payment in full for the month. I had a funeral to attend on the other side of the state, so i didnt bring my finances laptop with me. And, in my spam email, it tells me the after its due, that the payment was rejected and auto pay was declined. i contacted my bank, they said i had more than enough money in my account. We re-checked my banking info, and there was nothing wrong. Ive tried emailing and contacting them XXXX times, and still no response. They just keep rejecting my payment, telling me my bill is past due, and not letting me pay it. I tried again to pay it when i got back from the funeral, and it rejected it again XXXX days later! I genuinely dont understand how this is legal. I am extremely busy, with multiple deaths in my family and i dont have the time to sit around on the phone for XXXX hours to be pulled through hoops to jump through. they need to use written message so that i can have and track what they say, in the case that i get a lawyer to fight this loan that I ABSOLUTELY would have never agreed to.
Product: Debt collection

I phoned the collection agency directly and mentioned this was not mine. The collection for {$89.00} posted on my XXXX Credit Bureau file in 2012 to have it removed.
Product: Mortgage

I am a Veteran. I have a VA loan, serviced by Shellpoint. The CARES ACT allows for Veterans to ask for Forbearance. The details are outlined here : https : //www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdf I requested 180 days of forbearance. The CARES ACT States : 3. Forbearance. The borrower may request an initial forbearance period of up to 180-days, regardless of the borrowers delinquency status. If the borrower makes the attestation discussed above, the servicer must grant the forbearance request, with no additional documentation. This forbearance must be extended, at the borrowers request, for an additional period of up to 180 days. When a borrower contacts the servicer, VA expects the servicer to inform the borrower of the borrowers forbearance rights. The borrower, not the servicer, is entitled to determine the period of the forbearance, subject to the statutory limit of up to 360 days.

Shellpoint told me I could only do 90 days forbearance, and then request an additional 90 days. This goes against what the CARES ACT states. The CARES ACT states I can  request 180 days, and then after that an additional 180 days. I contacted the VA and they said some servicers were not abiding by the rules of the CARES ACT and that my only remedy in their experience is to contact the CFPB which I am doing. 

I would like 180 days forbearance. I requested this from my appointed representative from Shellpoint : XXXX XXXX Loss Mitigation Specialist, Shellpoint Mortgage Servicing Hours of Operation : 8am 5pm ( XXXX ) XXXX ( Direct ) ( XXXX ) XXXX ( toll free ) XXXX shellpointmtg.com
Product: Credit card

I have US Bank XXXX XXXX personal and business credit cards. Both have the annual fee and it is advertized that this annual fee pays for cards benefits. One of the benefits is Bonus Award Night. However they decided to remove this benefit from both cards starting XXXX/XXXX/15. Based on that I believe I am not getting all benefits that I paid forwith my annual fees. And this benefit is still advertized on the application page for new customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I initially worked with one lender until my realtor group highly recommended using XXXX XXXX at Fairway ( NMLS # XXXX ) due to many positive factors. ( XX/XX/2021 ) After talking to XXXX XXXX, he ensures that he could beat the deal that the other guys were offering and was " 2x '' faster than them in closing. 

( XX/XX/2021 ) After him talking me into using his service, I started the application, ran my credit, and provide him with my personal information. Until today, I have not received a Pre-Approval Letter or Loan Estimate information. XXXX mentioned he gave the Approval Letter to my realtor, which is fine, but I have not seen any loan estimate 3-days after my approved application. 

( XX/XX/2021 ) I have now started escrow and asked him to provide me an " Official Loan Estimate, '' and he is now asking me to obtain one from the other lender I was first working with. Since his group was the last company I was working with, I would expect them to be providing this information since I had already run my credit and provided all documents ( 20+ ) they requested. Now that I am asking for them to provide me a loan estimate that I have never received, he says, " I can move forward, yes. But the issue is- if I get moving full speed ahead and spend 6 hours putting things together and all that- and then navy comes back with a silly rate that I can't match- it's been a waste of all of our time, yours included. '' In reality, the " waste of time '' is working with XXXX XXXX that tricked me into working with him. 

XXXX XXXX at Fairway ( NMLS # XXXX ) has provided me no communication or any further documents ( Pre-Approval Letter or Loan Estimates provided to the client by law ). I am now humbly asking for an " Offical Loan Estimate, '' and if I decide to continue business with Fairway, I would like another loan officer. Poor Service.
Product: Vehicle loan or lease

In XX/XX/2021, I went to sign the closing documents for my new Escalade at the XXXX XXXX XXXX dealership in XXXX XXXX, TX. I ordered a custom XXXX in XX/XX/2021 and was pressured to go sign all the documents so that everything would be ready for when my XXXX arrived. I was told that no loan would be executed until I had possession of my car and that my car would arrive within 10 business days. Now, It is XX/XX/XXXX and I still do not have my car and no one has any idea when I will get my car. Not the dealership, not Wells Fargo, not even XXXX knows. Wells Forgo wrongfully executed the loan without ensuring that I had possession of the car. They prematurely exercised a loan that I am now paying for without a car. Now the dealership has no incentive to fulfill their end of the deal because they have collected their money. Wells Fargo is currently billing me and profiting off of the interest I am paying. I am left in a disadvantage position with a hefty monthly car bill. A car I have never seen. I have called Wells Fargo to let them know. They said they were under the impression I had the car and would launch an internal investigation. It has been over 5 weeks since I spoke to Wells Fargo and they have not gotten a response to me. I will also be filing a complaint against the dealership, XXXX XXXX XXXX.
Product: Student loan

I believe there was more grants available I was a single mom and still ca n't coordinate all the loans it took me to get my degree
Product: Credit card

On XX/XX/2024, I had learned that a merchant I hired to do a job and that I paid {$10000.00} was having some major staffing issues for a job that was in progress. Three of the key personnel at the merchants organization quit on the same day. 

The people who had quit informed me on XX/XX/2024, that the merchant was attempting to claim that the job was fully done, even though the job was not fully completed. I immediately contacted the merchant on XX/XX/2024. Due to The lack of substantive response from the firm, I initiated a dispute with my credit card company JP Morgan Chase. 

JP Morgan Chase did an initial investigation. During the dispute process, the merchant made many false claims, one of them being that the job they were hired to do was completed. That is entirely not true. The job is not completed. 

Initially JP Morgan Chase, believing the false statements of the merchant, sided with the merchant on XX/XX/2024. I submitted a re-dispute on XX/XX/2024 where I outlined in great detail how exactly the work was not completed and that there were several instances of quality issues with the work. Namely, the main quality issue is that the merchant stopped working on the job I hired them to do entirely after the key personnel left on XX/XX/2024. 

I had reached out to one of the key employees who had quit the merchants organization and they wrote a 6-page long affidavit outlining that the work was not completed. 

I resubmitted my dispute on XX/XX/2024 with many pages of documentation and the affidavit of the former employee. 

JP Morgan Chase wrongly did not open my re-dispute and is not assisting me with this dispute any further. I would ask that JP Morgan Chase please review the facts of my dispute and please re-open the dispute as a quality of service issue because although some work was completed, it was not entirely completed, and to stop working in the middle of a job has forced me to spend an additional {$6000.00} for another merchant to complete the work that the original merchant is refusing to complete. 

This has caused me a great financial hardship at the worst possible time. 

I ask that JP Morgan Chase please do right by me as a consumer and open the dispute as a quality of service issue for work that was promised to be completed but never delivered.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. this lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX and XX/XX/XXXX, the following companies reported late payments on my credit reports XXXX - XXXX GOLDMAN SACHS AND CO XXXX XXXX This company reported late payments on my account from XXXX - XX/XX/XXXX on my credit reports XXXX XXXX - XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Section F states Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX  ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on January 31, 2020 and ending on the later of ( aa ) 120 days after XXXX XXXX XXXX XXXX or ( XXXX  ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XXXX XXXX XXXXXXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 
( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 

Therefore, these late payments should be removed from my credit report
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear : Lnvn This will serve as your legal notice of fair debt collection pratices act .15 u.s.c .ss 1692 To cease and desist all futher communication with me in regard to the above reference debt or debts I have decided that i do not want to work with your agency or any other agency under any circumstances.i will contact the original creditor directly in order to resolve this matter.by sending this letter it is my intention to stop allyour calls and collection activity from this day forth. 

I also reserve the right to file suit against you for any vilotions of this law. 

Please give this very important matter the utmost attention XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX had failed to valid the debt or reply to the letters sent on XX/XX/year> which is now past the 30 day reply validity period. At this time I would like the debt TO BE DELETED/REMOVED IMMEDIATELY as it is duplicated alleged on my credit report, This is also a violation and misuse a for improper credit reporting. My identity was stolen and several account has been open using my information.