23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a balloon mortgage that came due XX/XX/XXXX. I called XX/XX/XXXX to refinance. The agent I spoke to said it was too early to refinance call back in 2 or 3 months. I called back XX/XX/XXXX and they said I didn't qualify. I had to make a minimum of 6 or 7 calls, being put on hold, being transferred from department to department. The customer service agent said it was too late to refinance I should have started the process earlier. 
XX/XX/XXXX I received a letter stating they would no longer be taking payments from me. 
In late XXXX and XXXX, I called, and it to me 3 weeks to get through. I stated I owe one last payment of {$230.00} for XXXX and the representative said they didn't see that I owned anything but the balloon payment. 
XXXX I received an alert on my credit that I had late payments from PHH. 
I called and spoke to 3 representatives and they all said I own only the balloon payment. 
I spoke with Case Manager on XX/XX/XXXX and he said I own 3 XXXX dollar payments. I explained that I tried to pay but was told I didn't own XXXX payment. He insisted I did and that's why I was getting late reporting. I said I happy to pay. He said it would be XXXX extra to make a payment. I refused to pay an extra {$17.00} for a payment I have tried to make for 2 months. He said I could mail in a check for no charge when I asked him for the address he said : " PHH may reject it because it was late. '' My complaints 1 ) unable to contact PHH in timely manner hours on hold or just in a loop with no connection 2 ) Customer Service giving wrong information 3 ) PHH mailing letters that contradict Customer Service information 4 )  Unable to pay via PHH website, XXXX XXXX because phone lines are busy 5 ) Customer Servers charging & XXXX per payment 6 ) Not giving alternatives for payment methods 7 ) Insisting I must make my payments even though I received a letter stating they would no longer be taking my payments 8 ) lastly, the Case Manager I spoke with was condescending in his demeanor and contradicting PHH letter to stop payments. He said " you owe the XXXX payments '' and I agreed with him and I want to pay the money but adding XXXX per payment seems excessive and not being able to pay via the PHH website. 
I
Product: Credit reporting, credit repair services, or other personal consumer reports

I defaulted on my Navient loans in XXXX and rehabilitated them in XXXX. As part of the federal loan rehabilitation program, all Negatives would be removed from my reports. Navient has unreasonably refused to remove the negatives on my XXXX credit report.
Product: Debt collection

Reported negative information to credit report. Debt may be result of ID Theft and is unauthorized, and not mine. My statement to credit reporting agencies is : Personal Statement ( s ) on my frozen credit file since 2017 : XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I received a letter from debt collector file number XXXX stating that I owed {$5500.00} from the original creditor XXXX XXXX XXXX XXXX. I then call XXXX to check, but they could not find any account ending in XXXX under my name. The only account open and was close account ending in XXXX with XXXX balance.this account was open in XXXX.
Product: Credit card or prepaid card

Well first I received a {$7.00} check which doesn't even amount to the cost of using the card transaction fees and all sorts of other fees for a product we was forced to use JPay I was released from prison XXXX of 2018 with {$27000.00} and was given a debit card to use with outrageous transactions and fees a third of that money went transactions and fees as I recall correct me if I'm wrong though now how is {$7.00} check make up for that
Product: Credit card

On XX/XX/2023, my daughter 's wallet was stolen and she has authorized user cards for my Chase cards. The thief used her wallet at a XXXX charging {$980.00} on a Chase XXXX XXXX XXXX and {$990.00} on a Chase XXXX XXXX card, among other cards she owns as a result of this I reported the theft to Chase that day and had the cards replaced. 

Both unauthorized charges were made on the same day, same location and at around the same time. 

On XX/XX/2023, I noticed that the charge had been restated on the XXXX Account stating that I received the benefit, which is very surprising as I reported the issues that day the cards were stolen and had cards were replaced. Every single bank that was alerted also removed those charges, including Chase for the XXXX XXXX card, so I am a bit surprised that Chase claims this XXXX Card transaction was valid without any compelling evidence or justification. I called Chase multiple times and even the first agent I spoke to was confused why I was recharged the {$980.00}. This is in contravention of the CFPB regulation. 

As of XX/XX/2023, I have supplied additional information to Chase proving that my daughters wallet was stolen and several charges were made to multiple credit card she owns. I also included the several emails between my daughter and the police investigating this theft. Using surveillance videos, the Police and XXXX were able to pinpoint the person who stole and used the cards but have been unable to identify the person. 

I would also like to note Chase banks failure here. This XXXX XXXX is not a card that is used often, as a matter of fact, this card had not been used for at least 6 months before the transaction date and only used for mainly XXXX related purchases, yet a significant charge of {$980.00} at XXXX was authorized without suspicion? The last transaction was on XX/XX/2023 on a XXXX cruise. This is a huge failure on Chase 's security systems.
Product: Payday loan, title loan, or personal loan

Hi, My name is XXXX XXXX I bought a vehicle 3 years ago and west lake financial bank gave me the loan, I moved out of state a years ago and I cant get my title from the previous state I lived before, my registration is expired I got pulled over 3 times by the police officers called west lake numerous of times they are not helping me in this issue I have, I went on the dmv in the current state where I live they told me to contact my lien holder they should make the request, I contacted west lake theyre telling me contact title support, they dont have phone number or in the website they dont have the lenders name ( Westlake financial ) . Im stuck and hopeless in this mater and problem I have, This bank is totally unprofessional and doesnt even care about theyre costumers
Product: Consumer Loan

I purchased a vehicle from DriveTime XX/XX/XXXX, they reported to credit bureau for 3 months and now state my information had to be deleted because of a bankruptcy that discharged XX/XX/XXXX..three years prior to opening this account. They continue to tell me that the credit bureaus will not allow them to report because of my bankruptcy and this is discrimination and negatively impacts my credit worthiness for no reason as this should have had no impact. My loan agreement and rights support credit bureau reporting and I want my information reported correctly and for the discrimination of bankruptcy accounts to be rectified.
Product: Debt collection

the original debt was to XXXX XXXX XXXX in XXXX and they were instructed to submit the claim to insurance company. the original claim was denied but in XXXX the claim was accepted by XXXX insurance. ask XXXX XXXX to resubmit. i also ask them for a complete statement of charges which they never provided. i made several payments and then they quit billing me. about 6 months later RSI ENTERPRISES sent me a notice they had a unpaid debt. payments that i had made to XXXX XXXX XXXX  had not been credited. i am ask for a statement. finally in XXXX they sent a statement and verified that payments had not been made. now they have just completely quit billing me and have not sent me a statement since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I paid my loan payment sooner and called to cancel the reoccurring payment for XX/XX/21 agent refused.. The agent XXXX was rude would not listen to my request and spoke over me, refused to transfer me to a supervisor after 6 or more request she gets me a supervisor and tells me I have to act professional to speak with a supervisor. She also asked me twice why I wanted a supervisor. I advised her both times because she is rude and not listening to me. I have been with acima for some time now and has never received this kind of service.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SD XXXX ( XXXX ) XXXX, Loan # XXXX, account # XXXX amount {$16000.00}, past due {$3100.00} current balance {$17000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX, account # XXXX, date open XX/XX/XXXX, amount due {$490.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX ) XXXX, Account # XXXX, date open XX/XX/XXXX, amount due {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX XXXX XXXX XXXX ) XXXX, XXXX, Amount due {$80.00}, date open XXXX XXXX has violated my rights I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I purchased credits on a social media company. Approximately four months a later, the company accused me of being genocidal and confiscated the credits. The company, XXXX, has no customer service and a history not just of this type of behavior, but ignoring refund requests.

I filed a small claim against them based on that history. The judge all but directed me to use a chargeback. 

Enter USAA. 

Made aware of this, the company hasnt even been able to get the chargeback amount request correct. They are refusing to process the request alternately : A. I waited to long based on nothing. They knew as soon as I did that the company was refusing a refund or not as they refuse to communicate. 

B. It had to happen within 60 days of the charge posting. XXXX, any company can steal back its product at 61 or more and customers are XXXX. 

They refuse to communicate in anything other than vague terms, leaving just enough wiggle room in their deliberately vague terms to deny saying much of anything. 

What they are not doing is processing a charge back after a company stole their product back which is apparently the victims fault? 

When did banks get veto authority over the management of legitimate consumer transactions? When did they get to decide that customer can be robbed?
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

XXXX XXXX : XXXX XXXX - Date : XX/XX/year>
Product: Money transfer, virtual currency, or money service

My Venmo account was temporarily suspended after a friend sent me money for rent and a few other bills. Venmo emailed me telling me it could take up to XXXX business days for an account XXXX to reply after I send my ID, but if I dont receive the {$950.00} that was lent to me yesterday I could potentially face eviction and/or late payments on bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XX/XX/XXXXAccount # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX,XX/XX/XXXX XXXX Account XXXX XX/XX/XXXX********, XX/XX/XXXXAccount # XXXX,XX/XX/XXXXXXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, Dept of Ed/XXXX..Account # XXXX,XX/XX/XXXX Account # XXXX XXXX XXXX Account XXXX 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 an account without my written instructions.
Product: Debt collection

- My credit report was falsely accessed and without legal authorization twice with inquires placed on my file thus lowering my credit score and hindering my families way of life from XXXX XXXX XXXX XXXX   Other Collection Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Other Collection Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

About 1 month ago I called US Bank to inquire about a balance transfer offer I receive through their XXXX card. I was told the best way to use a check. I was mailed 10 checks and I used one of those checks and deposited {$12000.00} into my checking account. I paid {$360.00} ( 3 % ) in fees. I asked the agent 3 times if there was any interest involved and I was told that as long as I ay the minimum payment there are no interest charges until XXXX XXXX. Yesterday XXXX/XXXX/XXXX I noticed an interested charge of about {$130.00}. I called US Bank and I talked to supervisor XXXX where I protested the interest. I was told that it would take 2 weeks to decide if it was a bank error. I am very surprised, I was interested in the 0 % balance transfer and nothing else. I need help with this situation. This kind of balance transfer does not offer me any benefits.
Product: Debt collection

The debt collector is calling my family members and leaving messages with my date of birth, last 4 of social, and discussing how I will owe thousands of dollars if I don't settle outside of court, which to my knowledge, there are no court cases pending against me regarding any matter.
Product: Checking or savings account

I disputed XXXX charges and American Express is not giving me those funds back that I am entitled to. I never received product on XXXX charges and I want those back. living spaces for XXXX XXXX XXXX XXXX XXXX bespoke
Product: Debt collection

I have to accounts listed on my credit from a credit collection agency. I have no idea what they are. I have contacted them on multiple attempts to have them verify the debt, the orginal debt ( I have no idea ) and overall information of proof that this is my debt.. I have requested for over 6 months with no response. Need verification or needs to be removed from my credit. 

MIDLAND CREDIT MANAGEMENT INC One account is for XXXX and XXXX. No account numbers listed or orginal debtor.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE THANKS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Apex Asset management LLC XXXX XXXX  XXXX are XXXX XXXX PA attempting to collect a medical debt from me even after they receive a letter from a Hospital asking to stop collection and even after I finally talk to supervisor of collection agency and she confirm that they receive such letter from a hospital?????? I continue to receive a calls. 
As per my last conversation with XXXX XXXX ( agency rep ) she treating me and give me a last chance to pay????? 
This must be stop! I find this very unprofessional and very obnoxious to even in the first place. She refuse to connect me with her supervisor or give me a chance to leave a voicemail to her supervisor. 
I appreciate you help in this matter. 
Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. These accounts and inquiries were fraudulently created or accessed using my personal information, which was compromised during a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to have these fraudulent items removed from my credit file. 
Fraudulent Accounts : 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 XXXXXX/XX/XXXX
Product: Student loan

For the second month in a row, MOHELA has failed to apply my employers $ XXXX  monthly payment in a timely manner. The payment was sent on XX/XX/XXXX and as of today XX/XX/XXXX, there is no record of payment on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection company, The Bureaus Inc, is reporting incorrect information on my credit reports from an account with XXXX XXXX. The balance is incorrect. I have disputed the information with the credit bureaus. The company has verified the information as accurate, but failed to provide documents proving the balance. I also sent a letter to the company requesting a full accounting record of the account that proves the balance. The company failed to send me this information. The balance reported is not correct. The company is reporting the balance higher than the high credit amount, which is never correct. Again, I have disputed this information several times and it has not been corrected or deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed again that there is negative information reported by XXXX  XXXX  XXXX  in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$860.00}, {$1200.00}, {$250.00} & {$250.00}. I challenge the accuracy, compliance and reportability of these listing. 
There are no contracts, no valid claims ... accounts were settled with original creditor, grave errorsfalse claims and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Debt collection

SOMEONE USED MY IDENTITY TO OPEN A FRAUDULENT ACCOUNT THAT I DID NOT AUTHORIZE. NAVY FCU DOES NOT HAVE MY SIGNATURE ON ANY DOCUMENTS OR PROMISARY NOTE EITHER! I DID NOT AUTHORIZE THIS ACCOUNT AND THIS IS MY THIRD AND FINAL ATTEMPT TO HAVE THIS ACCOUT REMOVED.
Product: Debt collection

United Revenue Corporation reporting XXXX accounts to my XXXX credit report that do not belong to me.
Product: Debt collection

i, XXXX XXXX, a federally protected consumer never consented to do business with IC SYSTEM. Hence, IC System was never authorized to possess the private information of said consumer, XXXX XXXX. This conduct is in complete disregard of the Privacy Act of 1974. FDCPA also ; " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. '' ; " A debt collector may not engage in the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ''