23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I complained some months ago that Chase would not refi a XXXX Veteran since they are making more money. You checked into it, they wrote a nasty letter with original docs, and basically said you are on your own. They also told you they had no application for a refi by myself. I have applied twice. They are lying. I recently emailed them an application and they did not respond at all so there is no record I assume. I need to refinance before mortgage rates go up. I am in an adjustable. It is my own fault for choosing this loan but I need to get into a fixed 30 year desperately.
Product: Debt collection

This company purchased this account from XXXX XXXX and are reporting inaccurate information on my credit file. XXXX removed the inaccuracy from my credit file due to fraud and they were unable to validate the debt owed from XXXX. I am an identity thief victim and advised this to XXXX XXXX whom removed this invalid account from my credit file as I do not owe any balance to XXXX. The account is now being re-reported by Enhanced Recovery with inaccurate information ( date collection opened - XX/XX/XXXX ) - when XXXX XXXX had the account, they advised it was opened in XXXX. Additionally, Enhanced Recovery is reporting on a debt not owed by me regarding an account that was opened fraudulently. These tactics are a violation of the FCRA and must be removed from my credit file with each bureau due to validity, accuracy, and fraud.
Product: Credit reporting or other personal consumer reports

This account balance is incorrect and also the status of this account is also incorrect. 

Acct # XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX EST I called Citi about a credit card i had through them which was a XXXX XXXX affiliated card. I asked the representative to cancel my credit card to which I was told that " there is an issue with your account which prevents me from closing your account right now, may i instead credit your account for the annual fee instead? '' ( paraphrased slightly as I don't have this recorded. The representative then at my incessant demand managed to close my account without any hesitation or inquiry to another department to 'resolve the issue ' which supposedly existed. When pressed about the issue the representative told me that there infact was no issue, but rather this is a sales tactic they use to deceive consumers who are trying to close their accounts.
Product: Vehicle loan or lease

At the end of XXXX, XXXX, I refinanced my car loan I had originally taken out in the summer of XXXX with Kia Motors Finance. The new financing was through a credit union and they sent me all of the required documentation and confirmed payoff amount and ultimately the cleared check cashed by Kia Motors Finance in XXXX XXXX. The payoff amount was less than {$14000.00} in XXXX, the payoff amount paid was made for more for {$14000.00}. The following month, since I was on Autopay, Kia Motors Finance took out an additional {$450.00}, even though I had gone on their website and 'stopped " the autopay function. I heard nothing from Kia Motors Finance in XXXX or XX/XX/XXXX, although I starting paying the new loan to the credit union in XX/XX/XXXX. In XX/XX/XXXX, I started getting email and text requests from Kia Motors Finance with invoices, as if the loan with them was still active and valid. I went on their website and confirmed my balance was XXXX, yet I still kept getting notices. I contacted Kia Motors Finance through their website and again via phone and tried to get the problem with their accounting resolved. Nothing was done, In XX/XX/XXXX, I got another text notice and it stated that my 'account was past due. ' I again called them on XX/XX/XXXX and spoke with a representative XXXX XXXX or XXXX ) and her supervisor ( no name given ) who gave me a fax number to send the duplicate documentation confirming the payoff to them. The fax number provided did not work. ( XXXX ). I found a way to upload the confirmation documents on the Kia Motors Finance website, even though they did not provide an accurate option or category - I had to use an alternate, unrelated category to get them the documentation they stated over the phone they required to correct the misinformation they maintained on my account with them. I wish they would fix their problems, stop harassing me, and return the overpayment of around {$800.00} made to them last year.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments posted on my consumer report : XXXX  XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX Balance Owed : {$7300.00} XXXX  XXXX XXXX Balance Owed : {$0.00} tied up XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$10000.00} Bankruptcy : XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$960.00} Bankruptcy : XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} Bankruptcy : XXXX XXXXXXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My requests for proper verification and the erasure of the fraudulent information on my credit reports have gone unanswered despite the several written letters I've sent to the three credit bureaus. XXXX, XXXX, and TransUnion Credit Bureaus never responded to the last letter I gave them, which was dated XX/XX/XXXX. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Fair Credit Reporting Act, 15 USC Section 1681i, states that it is not authorized to continue reporting unverified information without any supporting documentation within the time frame permitted by law. Their willful non-compliance has violated this provision. Additionally, the Credit Bureaus disregarded Section 605b of the Fair Credit Reporting Act, which requires them to delete any accounts and information that the customer determines to be the result of identity theft. My credit score has significantly decreased as a result of the fraudulent information that is still being reported on my credit report. I'm hoping you can assist me in getting the following things removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX D XXXX CT XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX XXXX Owed : {$0.00} Medical XXXX Balance Owed : {$23.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

Hello, Last year around XXXX I requested a due date change. The first attempt was unsuccessful, and prior to the second attempt Toyota asked that I bring my account current, so I did. A Toyota representative said the due date was completed, so I started making my payments accordingly. It was n't until mid 2016 I saw that I had 3 late payment markers. I immediately called Toyota and their resolution specialist walked me through every payment from the beginning. We found out that Toyota failed to mention that the due date change did n't take effect. So I wrote Toyota twice. They denied me twice. Toyota does n't have a number to call to talk about your claim. I 've tried explaining what happen in a letter and again they denied me twice. And because they did n't tell me the due date change did n't take effect, I do n't have access to their personal information.
Product: Consumer Loan

I purchased a XX/XX/XXXX Acura TL on XX/XX/XXXX at XXXX XXXX, NJ. The dealership stated that the bank charged me {$1500.00} in acquisition fees to get approved. The vehicle had some problems but I never drove the vehicle off the lot. The dealership made XXXX attempts to repair the vehicle and I told them I just wanted to cancel the deal. The owner of the dealership told me if I called the bank he was going to keep my money & the car. I called the bank on XX/XX/XXXX to cancel the deal of a vehicle I never took possession of and they told me that they could n't do anything on their end because the loan was n't in the system. The representative told me that I needed to call back in a couple of days. On XX/XX/XXXX, the dealership called me and told me the bank had sent the funds to them and they refused to cancel the deal. I called the bank to confirm this information and they told me I needed to seek legal counsel. If the dealership mislead me the fraudelent bank fees, car history, and bogus destination fees. I wonder what measures they went to get me approve and it needs to be investigated. I informed M & T Bank of fraudulent deal that I wanted to cancel and they would not assist me. I was scammed out of {$2500.00}.
Product: Debt collection

they say i owe {$100.00} dollars to XXXX XXXX. my car was repoed i call XXXX and told them i need to cancel my car insurance. they ok no problem thank u for calling your policy is now canceled. now i have been getting phone calls i mean 6 times a day from this collection place im getting letters from this place. all the time. they hurt my credit score put as a non payment on my credit. the name of the collection place is portfolio recovery. phone # XXXX
Product: Debt collection

I paid off a debt with PDQ. I disputed it with the bureaus. PDQ responded to the dispute and left it on the file. This is an attempt to continue to collect a debt that I DO NOT OWE. The Fair Credit Reporting Act provides that the creditor has the same requirements to process a dispute in 30 days as the credit bureaus do. 

I disputed this directly with PDQ. They did not correct the balance in the 30 day window.
Product: Student loan

Previous cases indicate that I have had major problems with Aidvantage and Maximus servicing of my loans. The current issue of capitalization makes me think that the executives have made a considered decision to make the website complex and confusing in order to maximize the percentage of loans with capitalized interest and delinquent payments ( and associated fees ) in order to fraudulently earn excess revenue.

This suspicion is enhanced by the record of other loan servicers receiving fines and bans because of fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I went into a payment deferal program with XXXX XXXX and the reported me 30 to 90 days late several times on my credit report. I was told it would show current on my reports or i wouldnt of deferred my mortgage payments. XXXX XXXX failed to provide the information or i wouldnt of done a payment deferral. I was never late on my mortgage.
Product: Credit reporting or other personal consumer reports

FTC Report Number XXXX : I did not give TransUnion written consent to report, buy, sell, trade, my personal information with any data furnishers or credit reporting agencies. I online the specific items that I believe are inaccurate, incomplete or unverified and I request immediate correct or deletion where application. Please conduct a thorough investigation into these matters and provide a written response detailing the actions taken. XXXX  ( Account Number : XXXX ), XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  ) Invalid and Unverified Debt ( FDCPA Violations ) : Under 15 U.S. Code 1692g, I am disputing the following accounts as they have not been validated under the Fair Debt Collection Practices Act. I demand immediate removal
Product: Vehicle loan or lease

I got an installment loan to purchase a personal watercraft in XX/XX/XXXX with Sheffield Financial. In XX/XX/XXXX, a payment was erroneously processed as being a few days late. I called the company and they supposedly corrected the correct payment date ( which was not late ) and updated my XXXX and XXXX  credit reports. However, they did not update the XXXX report and is erroneously reporting a late payment in XX/XX/XXXX.
Product: Credit card or prepaid card

I have been trying to get my Child Support Card replaced as it was lost during a recent move. I have called the Bank of America Child Support card line but i am being redirected to do everything online.  When i stay on the line to speak to a representative, which is what it says will happen, i am told by their automated system that their call volume is too high and to call back later. I have tried to called back 10 times in the last 3 days, at different times of day, etc. I even tried to call the AZ Child Supoort office and they said Bank of America handles all the cards. EVERYTIME i have called, it says call back later. 

Unfortunately, i cant access the online account because i dont have my card number and the system requires me to have that in order to access the online features. 

So i am sitting here without access to those fund, with no way to report the card as lost, and im being kicked off the line b y bank of america after being the phone for 10-20 minutes waiting for a representative. 

I need someones help here and i need a new card and/or access to my online account.
Product: Debt collection

Resurgent Capital is literally resurging debts that have been cleared. This is the second time in 2 years they attempted to collect on debts that were dismissed in a BK over 13 years ago. They have been told this, but here we are again. They are sending letters and nonstop calling threatening lawsuits and collections. But they are trying to get paid on debts that were considered closed. Its a shady business practice
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted National credit systems on multiple occasions Ive contacted XXXX and XXXX as well I have provided them police report. Copy of ID and FTC identity theft report, my lease utility bills also sent communications to their email as requested at XXXX XXXX XXXX, XXXX and XXXX. I call daily and are advised that the creditor verified debt by my sane ID no one is reading the police report to see that my whole purse was stolen with my identification so I expect that but I do not know what else to do this was not me I have never lived in Georgia only Illinois and Arizona please investigate this read the police report and remove this from my credit reports. I called law offices at XXXX XXXX XXXX she states it should not be with them but national credit and the process would start over I am trying to purchase a home and this is preventing my loan approval this was not me o an a victim of identity theft also the attorney office stated there is no cfpb complaint on file for national to answer to but I can see in the portal on XX/XX/31 it was sent and they have yet to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being violated by the Credit Monitoring Service Equifax and XXXX XXXX. I have been requesting verification and validation from these companies since XXXX XXXX but they continue to ignore me, adding negative remarks on this charged off account, and responding that this account has been verified but never sent me any proof of the investigation process used to verify this debt which is illegal. Each month these negative remarks are hurting my credit and is a defamation of my character because I have been denied employment, housing, and credit which have caused me embarrassment and terrible XXXX.  This has caused me a financial hardship which affects me being able to provide for my family.
Product: Credit card

I paid every credit card bill on time and also paid off my complete card balance of XXXX. I had a choice to pay off the statement balance which was XXXX but i paid the pay off the amount which was XXXX. Right after paying off the pay off amount I received an email letting me know that my balance was decreased from XXXX to XXXX dollars. And that I also had an interest charge XXXX coming due XX/XX/XXXX. Which all fees and interest was paid on XX/XX/XXXX. I don't know what happened but my part of the contract was upheld.
Product: Bank account or service

0n XXXX i received a letter from bank of America , declaring that the bank has put stop payment on my checks according to my request! the fact is that i had never requested the bank to do so, and the bank later on admitted that they have done this by mistake and there has been no requested on my behalf.this wrong action put me in a trouble my credit record has been damaged because of the returned checks, and the worse i have been in a XXXX situation.i strongly want the bank to pay a price for putting me in a miserable situation.
Product: Debt collection

Last Reported XX/XX/XXXX Collection Agency CARTER-YOUNG INC Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2200.00} High Balance {$2200.00} Remarks Account information disputed by consumer, meets FCRA requirements
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act bank : Law offices XXXX # XXXX, has violated my rigths. 

in accordance with the fair credit reporting act bank : law offices XXXX # XXXX, has violated my rigths in accordance with the fair credit reporting act bank : XXXX XXXX XXXX # XXXX, has violated my rigths in accordance with the fair credit reporting act bank : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. states i have the rigth to Privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I receive multiple phone calls every day from Marcam Associates attempting to collect on medical debt. This has occurred for months and, as already stated, happens daily. They call from multiple phone numbers, more than once a day, so its impossible to know who it is if I want to answer the call, and also impossible to block the number. I consider this to be harassment.
Product: Debt collection

This company has been reporting incorrect dates. This account is past the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I learned that someone stole my identity. After months of working with the companies and credit bureaus I was finally able to correct the situation except for with Transunion bureau. They have been ignoring my request for several months and at this point I'm not able to use my credit at all because they will not remove the erroneous information. I know their failure to respond to me is illegal and I have a right to have a correct profile. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to remove collection/negative item or provide an option to upload documents regarding the online dispute for these inaccuracy accounts. I have request validation of the alleged debt without a response from the debt collector. I have provided docs showing that my request for validation was delivered to debt collector, and Experian dispute website page showing no option to upload documents. I have contacted this company on XX/XX/2023 and XX/XX/2023. 

-Acc # XXXX XXXX
Product: Debt collection

I owe a hospital bill of some sort from the past and the company keeps threatening me that it will go on my credit report if I do n't pay them their money on time or if I do n't use auto debit from my account they keep daring me to miss XXXX payment. They call days before I even have the money to try to get it early from me. Although I 'm going through hardships at this time. They still call and call and harass me. Sometimes I feel like they are going to kick my door in. I also lose sleep due to the harassment and i stress a lot because of them.
Product: Vehicle loan or lease

In XXXX of 2022 I got a loan from credit acceptance. They completely gave me a terrible apr rate and I am struggling to budget to even get my sales tax paid. And its almost been half a year. I am paying over XXXX a month and they do not even refinance. it is horrible for a XXXX XXXX XXXX trying to make it in life.
Product: Debt collection

On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove a negative account, AMERICAN CREDIT ACCEPTANCE from my credit report OR to verify that the debt belonged to me and to send me the name, address and phone number of the person that verified the debt. I wanted them to obtain physical proof. The dispute result came back as " updated and verified ''. In addition, XXXX has allowed this company to raise the balance owed on more than one occasion. I have NO open account with this company and yet, XXXX keeps allowing them to raise the balance. I am desperately trying to buy a home and this is keeping me from that goal.
Product: Checking or savings account

Someone ordered the debit card without my permission and the card mailed out to the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX. 
Then an Unauthorized withdraw of cash {$9000.00} on checking account was occurred on XX/XX/2023 @ XXXX at chase bank located XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. The debit card never activated! 
With this BIG Amount of cash withdraw, chase bank didn't check the ID, only PIN Authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately. 
XXXX XXXX-Date of inquiry XX/XX/2020 "
Product: Credit card or prepaid card

I tried to pay this account before my due date, but the payment portal they were using got shut down. Then they shut my card off. Then I called them to make the payment and I had to go through all sorts of crazy steps to pay my bill. They called me back, told me I was late, told me to pay my bill early, and assessed a late fee. This was ridiculous, I want my late fee back