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

The started using the XXXX  feature on chime where you can get up to XXXX of your paycheck. Every paycheck chime decides to either adjust my amount from XXXX to XXXX for no known reason and I don't get my difference back. Then you should be able to get your full mypay back the same day your check hits. But no they break it down in small amounts over the next week. I don't like that because I need my money to pay bills. My last XXXX XXXX  they gave me my full XXXX back on the same day. My last check on XX/XX/XXXX they changed my XXXX  to XXXX. This pay period XX/XX/XXXX they changed my mypay to XXXX now where did my XXXX go? They are changing these amounts for no reason and I have kids and bills. It's so unfair. They not even giving me my money from them changing my limit. My deposits hit the same time every two weeks. So why are yall changing my amounts and not even crediting me the difference. It's a rip off and I've been with chime for years.
Product: Consumer Loan

I financed a vehicle through DriveTime Automotive Group Inc. 
I made an initial down payment on a XXXX Ford Fusion. The payment amount was {$900.00}, and the bi-weekly payments were XXXX thereafter. For six months I made every payment on time and some even a day early. Some time in XXXX all of a sudden everything in my account was reversed and reapplied, and my statement now showed XXXX transactions per day where money was coming in and coming out. I have my bank records that do not mirror this activity. After that adjustment took place, I started to notice all of my payments were now going to 100 % interest and my Principal balance on my loan was not being affected. I have called and asked 5 times ( FIVE TIMES ) to have this reviewed. Each time a manager told me they would have it reviewed and someone would call me back. I have spoken with their collections manager who promised to escalate my call to payment research and PROMISED me a call back. I have heard nothing in over a week, and my next call in, the rep who took my call said there was no record of any conversation. My current payments are all still applying 100 % to interest ... My principal balance has not changed in about 4 months.
Product: Debt collection

For several years I have been called by XXXX XXXX  for a final payment on a gap credit card that shows record for not being paid. 

The unpaid balance is under {$30.00}. 

Someone has added unpaid charges on {$30.00} to the some of over {$350.00}. I have agreed to repay the last payment that was missing but will not pay and addition {$320.00}. I have had them note the account several times and they do not. They refuse to take the amount I have agreed to pay again and drop it. 

I just started a new job and they have now found my work number and called it. They OBVIOUSLY know it is my work number which is NOT ACCEPTABLE!!! 

Lastly, They are messing my credit up for {$25.00}. They are hunting me down as though it is {$1000.00} of dollars and.
Product: Checking or savings account

XXXX XXXX withdrew {$370.00} from my checking account XXXX times. XX/XX/2022, XX/XX/2022, and attempted to withdraw for a XXXX time on XX/XX/2022. I have never done business with this institution nor have I ever heard of them. The money was withdrawn fraudulently from my business checking account using my routing and account number. 
I called my bank... Bank of America and they have made the process of recovering my money extremely difficult and have treated me as if though I was the one who committed the fraud. I have not been able to get any information from my own bank nor are they willing to give me a temporary credit on my account until the issue is resolved which can last over 90 days. I called my bank for help and sat on the phone for an accumulated 8 hours while they transferred me from department to department. Every representative I spoke with apologized, but immediately washed their hands of me by transferring me yet again without any resolution or answers. 
Their investigation department does not speak with anyone outside of their own department so even Bank of America representatives can not obtain information. They do not make the process easy nor do they give their customers peace of mind while trying to resolve the fraud. The departments do not give a clear explanation of their process. Instead they insist the customer sits and waits while no one reaches out. 
Had it not have been for me sitting on the phone for 8 hours I would have not even know they received the claim I sent in. I filed my claim on Monday via email because they said that was the only way I can file my ACH fraudulent claim. Today is Thursday and I still have not received any correspondence from my bank which is why I have had to call and sat on the phone for 8 hours trying to get some sort of explanation on what happens next. I still do not have a clear explanation what is happening, their process or why they will not apply a temporary credit to my account while they investigate causing additional financial hardship to my household.
Product: Mortgage

On XX/XX/2020, I went to the website XXXX to check my credit score and decided to see what kind of refi rate I could get on my first mortgage. I was shown a prequalified rate of 2.65 % and XXXX points from a company called Cardinal Financial. Note, they know my credit score and LTV. 

I clicked apply and was called by a Cardinal MLO that day. I explained that my existing rate was 3.25 % for a 30 year fix, and he send me a link to apply. I applied on XX/XX/XXXX. The MLO did not call me back until XX/XX/XXXX. At this point he said that I could still get the 2.65 %, but now it required interest prepayment ( points ) with a 39 month break even!!! 

What is infuriating is that they did a hard credit pull on XX/XX/XXXX, which has lowered my credit score, and they did so apparently with no intention of honoring the pre-qualification rate. This is bait and switch, and it damaged my credit score.
Product: Mortgage

My hazard insurance was paid upfront at closing for 1 year and 3 months. After 1 year XXXX/Dovenmuelle contact me with several threatening letters stating I need to buy. I contacted insurance company and they said XXXX refused to pay and only called asking for EOI. XX/XX/XXXX was end of policy. It even states it will renew automatic unless I contacted them. I had insurance company extend coverage on XX/XX/XXXX so they could send bill. 14 days later they cancelled policy. XX/XX/XXXX I reached out to XXXX and Dovenmuelle explained they were not abiding by closing agreement and mortgage agreement. XX/XX/XXXX they purchased a policy 3x more expensive, and doesn't cover my family or belongings. They still, even with me sending my mortgage agreement, will not return my money from escrow and threatened me with foreclosure while I'm under forebearance and fined me for late payment under forebearance Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}
Product: Debt collection

Date open : XX/XX/XXXX {$490.00} Result of identity theft, not my account I was homeless with no fix address, also my vehicle was broken in XX/XX/XXXX, I filed a police report # XXXX and identity theft # XXXX
Product: Credit reporting

I have no bills or billings from XXXX XXXX Card. I have applied 3 times for my card back after being with them 9 years.i filed Bankruptcy which was XXXX divorce action in Federal Court. i was stuck with all billings. XXXX XXXX directly upon calling all they could say is YOU filed Bankruptcy. I never filed on them and they never got an inclusion letter to be in federal court. Their action on me through Equifax has devesated my credit and personal actions as a respective citizen. Equifax is say i have a derogatory report and owe XXXX XXXX money. I owe XXXX XXXX NOTHING i paid their amounts with my Debit card and proof from XXXX XXXX and XXXX bought got paid when they contacted me. I paid late charge on both. XXXX XXXX {$49.00}, XXXX {$8.00} and XXXX XXXX {$56.00} ... This is {$100.00} and XXXX was to be challeged disputed But XXXX XXXX refused service that day when they canceled me. I never recieved any merchandized even to this day. All information on Equifax is corrupt and highly disputable in Federal Law.
Product: Mortgage

Attached are foreclosure documents from I have no clue who it is. 
I've not missed any payments at all and owned it since XXXX I have not signed any loans, other than with NewRez. I expect this agency to file fraud and criminal charges on this practice. 

I tried filing a complaint with the District Attorney 's office on Real Estate Fraud and the link has been blocked.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting a collection/charegeoff in the amount of {$980.00} on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, ever had a charge card with XXXX. I have contacted XXXX and spoke with XXXX a representative for XXXX his ID number is XXXX. XXXX tried to locate my account using my full legal name and social security number and he was not able to locate any account under my name. He did locate another customer with a similar spelling to my name however the social security numbers were different. This false reporting of a collection/chargeoff account that does not belong to me, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau, as well as, XXXX to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I am writing to file a formal complaint against the credit reporting agency Experian. I have sent several disputes to this agency and they send replies saying verified on accounts that I have no knowledge of. Experian has violated the FCRA by sending me a letter saying they refuse to investigate certain accounts because I have not provided relevant information or evidence. ( letter attached ) As a data furnisher Experian should be able to provide me with proof that these accounts belong to me and that this information is accurate as they are reporting it. A credit reporting agency can not just accept the information provided by the furnisher is correct just because they say it is correct. They need to supply proof! You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). 
Experian has the duty to go beyond the information provided by the furnisher and must verify the original source of the disputed account ( the original creditor ) The secondary data furnisher ( the collection agency ) is not considered a reliable source for verification and validation in their reinvestigation. Specifically, Title 15 U.S.C. 1681i requires you to reinvestigate each disputed item and to complete the reinvestigation or delete the disputed item within one month. If your bureau continues to fail to live up to its obligations under the law, I will proceed to court and pursue any other remedies that may be available to me under applicable laws and regulations. In this regard, I note that Title 15 U.S.C. 1681n & 1681o provide for the recovery of punitive damages and/or attorney 's fees under appropriate circumstances. I urge you to complete your investigation within the time allotted to you by law. In the event that you are able to verify this item, please consider this letter as my request in advance that you supply me with the name, company address and company phone number of the person having verified the report, as required under Section 1681i ( a ) ( 6 ) ( B ) ( iii ) which states that you provide " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' The following accounts are inaccurate and do not belong to me : XXXX/XXXX Account # : XXXX XXXX XXXX XXXX- Account # XXXX & Account # XXXX XXXX- Account # : XXXX XXXX XXXX- Account XXXX XXXX
Product: Checking or savings account

There were XXXX incidents to report, all caused by Regions Bank in XXXX FL 1. On XXXX XXXX, the bank cashed an altered check for an unauthorized payee for {$700.00}. The original payee did not complain about not being paid until XX/XX/2019. 
2. On XX/XX/2019, there were transfers of cash from two different accounts we own into two new accounts set up without our authorization. The profile information on those accounts were altered, including phone number and email contact info. We complained as soon as we noticed the transfers ( the next day ) and our accounts were frozen and we were locked out of any access to those accounts, including information on checks cashed. 
We requested information on all three of these transactions, including where the {$700.00} was transferred to, and we were told that they could not give us any of that information. They refused to reimburse us for the {$700.00} they sent out of our account for a fraudulently altered check. We can not follow up on recovering money from the perpetrator because they refuse to give us any information. 
We believe the false new accounts were set up by a Regions employee. 
We want Regions to reimburse us for the fraudulent check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im unable to upload this information via EXPERIAN.comXXXX im not sure if the server is down or theyve blocked my IP address. Ive mailed in these documents before, and according to several agents, its required and exactly whats needed to process the removal of these fraudulent entries to my personal credit report. Today I am unloading them via the CFPB, and I will mail them certified mail with tracking and return receipt so I know exactly when they are received.
Product: Mortgage

My loan was transferred to loancare from XXXX. I started receiving notices in the mail my direct deposit was no longer active. I called the delinquent payments department, i got a gentleman after about a XXXX minute wait, he had a good demeanor and took my payment and also setup my auto draft bill pay. 2 weeks later i am getting delinquent notices in the mail, i check my bank account, no money was ever taken, they are threatning to take my house, mind you i have never missed any mortgage payments before. I called back and they said they can take payment and could see that the auto drafting was setup but it never went through, so I said ok can i please set that up now? They said sure and transferred me over to customer service. I sat on hold for XXXX hours ... no one ever came, i could hear the phone beeping to keep me on hold until they finally hung up on me. I called back the next day to the delinquent department and asked about the customer service wait times, they said they are very backed up, i asked If i could please be transferred or if they lady could kindly walk over to a desk of a cust service rep as i waited on hold for XXXX hours and got nothing, she got mad and said no i cant do that! I then sat on hold for another XXXX hours on hold waiting for a rep that never came. I still have no bill pay setup and now I need a morgage statement from them to get approved for a loan on another house and I know I will no get it. a terrible company that is impossible to get a hold of unless you need to make a delinquent payment. Then I tried to do it all online, that was terrible! I tried setting up the auto bill pay, and getting a copy of my statement, every option led to : the option is unavailable : CALL CUSTOMER SERVICE -- --
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion and XXXX credit report. I never authorized XXXX credit inquiries by XXXX services in XXXX of XXXX. There should not be XXXX credit inquiries by eXXXX mtg services within a 5 day window. Remove all XXXX of those inquires as there was never anything signed by me that proves that I signed any paperwork that states that I authorized XXXX inquiries by XXXX mortgage services. I never signed anything to authorize such usage of my credit. 

Also Every account by XXXX and XXXX should be completely updated to reflect there was never a time a late payment occurred in XXXX. I request that XXXX  provide documentation of a deferment and/or forbearance which was not justified ; in that all requirements were met that deferment or forbearance was applicable in my case for the FULL YEAR OF XXXX. XXXX and XXXX needs to provide the documentation of income and every single source that states I was not eligible for those programsat that time. XXXX sure that they prove that all documentation is completely accurate that a forbearance and/or deferment was not applicable at that time. Lawsuits are currently pending against XXXX and XXXX for not sending proper information to all XXXX bureaus.
Product: Money transfer, virtual currency, or money service

I tried to donate to The XXXX XXXX to help bail protestors in DC out of jail. I got a notice when I tried that said " PNC has made a change that prevents you from being able to link accounts ''. I'd like to be able to donate to this fund ASAP.
Product: Debt collection

My student loan was recently transferred to XXXX XXXX. XXXX XXXX   does not have a single method of payment that doesn't incur an additional fee. The cheapest option is a {$0.00} additional fee. 

The act of paying my loan costs additional money beyond the actual loan itself .... This can not be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello do XXXX XXXX THE NOST TERRIBLE COMPANY EVER HOUNDED ME EVERYDAY FOR MONTHS AFTER i told them I was a struggling XXXXXXXX XXXX  working and was going through mental trauma!!! They offered me a 2 month extension on my loan!!! Said my payments would all be current that were coming and we made a agreement!! Time pases I Pay when XXXX Came boom late payments!! Including finance charges and fees!! This is beginning to feel XXXX. The people at this establishment belittled me for being in a time of need had no care while Im taking care of the XXXX XXXX  while people are quitting left and right all I asked for was a break and they lied to me. And ruined my mental with this car loan the loan itself is fine i can pay it but the audacity to put late payments is so disrespectful so illegal, but also unlawful. I am need if the CFPB to clean my report up please force the hand of these unlawful companies and Bureas!! I got the late payments removed and they ILLEGALY put the late payments back on my report!! Without informing me or notice!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company asking about delinquent payment. I have never applied for a student loan. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1200.00} XXXX XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX  XXXX {$82.00} XXXX XXXX {$220.00} XXXX   XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX   XXXX {$480.00} XXXX/XXXX  XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$140.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Vehicle loan or lease

When I purchased a car, the dealer informed me that the installment will be automatically debited on XXXX from my account by Westlake Financial. However, my checking account has not been charged. The lender 's Westlake Financial customer service contacted me on XXXX and I was told that the first payment had to be collected over the phone. So I gave my account number again. And again the first instalment was not charged, as it was explained to me, with next call on XXXX, the account number was written incorrectly, and also the first instalment must be paid by card. And again customer service contact me that they have to cancel instalment payed by card, only has to be made over the phone by checking account. My checking account finally was charged for two instalments on day XXXX. 
In mean time my loan contract was canceled, which nobody notify me. last one consultant, who charged my account already knows, that my contract was cancel, despite this two instalments was charged.

Car dealer contact me and he told me what is exact real situation. Dealer said, that lender sent him a letter on XXXX that my contract is denied. 
So many times I try talk to customer service XXXX, however they are hang up on me. I've sent an email, however lender didn't respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX : {$26000.00}