23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Earlier this year I suffered a terrible XXXX injury preventing me from keeping up with my finances as usual. Around XXXX, I noticed a tremendous amount of fraudelent charges on my checking account. Unable to sit on hold for hours, I was unable to make it in to a local bank of america branch until XXXX. During this 3 month period, amongst all of my accounts, I was charged in excess of {$3000.00} in miscelanous fees. This would be acceptable, however I did manage to make it into a branch and sit down with a personal banker for over 3 hours while he went over a spreadsheet of fraudelent charges with customer service. I enjoy Bank of America 's services and would like to return, however these fees are out of hand. Please note, the accounts in question were closed however I will include the current open account numbers.
Product: Mortgage

My mortgage loan was sold to Ditech approximately 12 months ago. Ever since Ditech has received my mortgage it has been a nightmare. I 'm bombarded with invoices once maybe twice a week. Before I am even delinquent there are phone calls and more mailings about getting current. I have had and currently have mortgages with other companies and have never experienced such a confusing and negative experience on an on-going basis before EVER. Unfortunately this is not just a one time event but reoccurring every month. If I do n't look carefully at my invoices and question the charges I would be paying many unnecessary fees. Again something I 've never experienced before with any other mortgage company. I believe Ditech intentionally makes their billing statements confusing to decipher and frightens people by threatening to foreclose on their mortgages when their mortgages are not in foreclosure status.
Product: Debt collection

I am not liable for this debt with AFFIRM INC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$2300.00}
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. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have violated my rights.

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.

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: Credit reporting, credit repair services, or other personal consumer reports

I applied to XXXX XXXX apts and was denied due to criminal and eviction on my report. This information is not only incorrect but due to a law put in place in the XXXX XXXX  XXXX I can not be denied housing due to a criminal record. This screening company Resident Verify not only had incorrect information about an eviction but they pulled my criminal record for something that happened over 10 years ago and was sealed due to me being falsely accused.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX of XXXX. It is also being reported and stated the last payment made on this account was XX/XX/XXXX but the account was in good standing XX/XX/XXXX. This account is also being updated as a charged off on my report as if the account is still open and reporting a balance of {$1500.00} when the account should be XXXX due to the account being a charged off account. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX EQUIFAX : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX : Account Name : XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

Last year I applied for a Milestone credit card, also called Genesis F S card services. I kept the card a few months before activating it, which put me around XXXX for activation. I had to contact them of when the payment was due because I hadn't gotten paper work. They actually told me the wrong date, which I later discovered and put it on my credit report and it was their fault. That's not the big issue. 
My payment are due by the XXXX of each month. In XXXX of XXXX, I made my XXXX payment on XX/XX/XXXX. Then I made XXXX payment through their phone system on or about XX/XX/XXXX. The payment was cleared by XX/XX/XXXX. I started getting late notices about this transaction. I called Milestone and that representative told me to get my bank on the phone. I did and Milestone refused to accept what the bank was stating. The representative even accused me of not having enough money to go through. The bank representative told him that it had been cleared, the one on XX/XX/XXXX and the one about XX/XX/XXXX. 
I was in constant touch with them from 1-3 times monthly until about XXXX. I sent a notice stating that every late fee and over the limit fee they were charging me monthly to be erased because it was false charges. A couple times they told me if I paid {$80.00} that it would be fixed. Not so To shorten the story, I contacted them in XXXX of XXXX and they stated that someone else in my household ad a Milestone card. My question was what did that have to do with me because the last 4 of our socials and the last 4 of our card numbers would be different. I again said to the representative that I wanted all late fees and extra charges removed from my account. Her response was " But there's someone in your household with a card from us ''. Again I repeated what I said earlier about the socials and card numbers. She said, wait until you get the letter from us and it will explain more, but for now I owed XXXX XXXXXXXX XXXX and XXXX some dollars and it would remain that way. 
I believe I've over paid them by now. I also sent a request that they not renew my yearly contract with them. Close the account were my words. No one for a few months tried to seek out the problem just accuse me of not having enough money in the bank or not making the payment at all. I had to keep calling and they didn't start seeking anything until around XXXX when I told them if they didn't get this fixed, I was getting an attorney. After that they came up with someone else in the household, which still has nothing to do with your failing payment system and negligence. 
There were times after this I tried to make payments on their system, couldn't and I called and informed them of it. So glad this disastrous night mare is coming to an end and maybe now my credit can be corrected. 
Thank you for your help! 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

In summary, I have no access to my account online, the company does not send paper notices, email statements, or have they discussed the amounts in question while on the phone. 
Trade/turn in issue : In XXXX XXXX  I leased a vehicle through XXXX XXXX XXXX serviced by NMAC. I have paid every payment on time in full from day one. I have been trying to trade the vehicle in since XXXX XXXX. This had mot come to fruition due to a number of reasons including poor communication on behalf of the sales team, suitable vehicle availability, scheduling test drives during COVID. At the expiration of the else I continue to have issues that included getting call backs from the dealer to get inspections and turn in scheduled.

Managing the lease : I opted into paperless accounting. At the expiration of the lease, I attempted to access the account. I was locked out by NMAC. The phone number provided had a COVID related message suggesting calling at a later date, which I did as well. I was unsure of what i would owe without this access. NMAC finally contacted me right as we identified a new vehicle during mid XX/XX/XXXX. I expressed the desire to return the vehicle and requested a communication of what was due on the account. I was contacted by them again and expressed the same only to be refused the account balance yet again.
Product: Credit reporting or other personal consumer reports

I did not put any personal information such as these address attach on my informations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the addition of an account to my credit report, as I have been unable to see it reflected despite several previous attempts to communicate with the Equifax team. Despite my previous efforts, the account has not yet been added to my credit reporting profile. I need XXXX account to be added to my credit reporting profile. I am human there is no XXXX party.
Product: Payday loan

I am a XXXX year old grandma. In XXXX I was accepted for a XXXX loan which they said I could pay back in 2 years. My husband is XXXX with no medical insurance. I needed to get him some help. We are already XXXX in debt to medical with one income. I was desperate for my husband to at least get some medicine and he is also XXXX. I was led to believe that I would pay XXXX a month for 2 years. That was a lot but I could scrape it up because my I needed this loan for my husband. Come to find out it was XXXX a month which meant after 2 years on a XXXX loan I would pay back XXXX plus back. I could not do this. That is 220 percent and the loan did not say oay day loan because I would of know not to do this. I have no where to turn. Everyone I talked to asked if this percentage is legal. I did not know but we can not pay this back at this obscene rate. It is called Q credit and is funded by Rosebud XXXX XXXX XXXX. I guess this is all my fault but I never dreamed this loan would of caused me so much XXXX. On top of the critical condition of my husband and finances I am at a loss. I guess I am just an ignorant old lady. The offere came in the mail and I was desperate. I was told to call the Attorney Generals office and then Channel XXXX where they help people like me. I hope this company does not hurt anyone else. I made them stop charging my account at least as far as I know. I am really scared. I do not know what to do or where to go. I took the loan out for XXXX and paid XXXX. Now my balance is XXXX. When I talked to them about it they said " Well sure that is the interest ''. I told them I could not do this. They will be contacting me soon and I do not know what to do. My name is XXXX XXXX. I live in XXXX Arizona. My email is XXXXXXXXXXXX and my number is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX for assisted living. I just needed someone to know so that no one else gets hurt by this company. I heard that XXXX on your side could maybe help to. Thank you for your time. XXXX XXXX
Product: Debt collection

Hi. I paid for my credit report initially on XXXX/XXXX/2020 and found that two collection agencies were reporting inaccurate information to the three credit bureaus. It is to my understanding per the FCRA that I am able to dispute these inaccuracies with the 3 credit reporting agencies and that they will investigate. To date I have reached out multiple times and I have not received and VERIFICATION or PROOF that I in fact owe for one collection agency in the name of ACCOUNT RESOLUTION COR with the account number XXXX. They are reflecting a balance of {$180.00} on XXXX and a balance of {$260.00} on XXXX and a balance of {$180.00} on XXXX. This is in direct violation of the laws put in the place to protect me. Please assist me with this matter and have this account removed from my reports. Thank you
Product: Credit card

XXXX XXXX Chase Bank sent me an email stating XXXX 2023 I was approved for a Credit card and an actual card came on XXXX. I went to the institution today XXXX. I informed them I had applied for a credit card and the employee XXXX XXXX assisted me with calling customer service to cancel the credit card and fill out a fraud alert. The amount of {$5000.00} was the credit limit. They had no explanation on why I received this card that I didnt apply for.
Product: Debt collection

In line with the multiple unethical credit reporting complaints as identitied via the internet, since the beginning of this year I have been disputing an account from Fair Collection and Outsourcing ( FCO ) -creditor XXXX in in the amount of XXXX dollars which has been placed on CRAs XXXX , XXXX , and XXXX. As well as receiving a threatening/harassing phone call from a gentleman customer service representative - once @ XX/XX/XXXX and another in XX/XX/XXXX, in which I still confirmed my dispute the account is not mine. 

I recently did a direct contact and phone calls with the client ( XXXX ) on this account you and the supervisor at that location informed me that they do " not '' have any records annotating the {$3100.00} amount FCO reported to the CRAs. Also documented. This information pose illegal reporting from FCO and under my credit rights and I 'm requesting investigation on the FCO company and my actual account and this inorrect information permanently deleted from my CRA reports XXXX, XXXX, and XXXX. I 'm also concerned and request investigation of FCO 's document replication of account ledgers ( false documentation ) from the actual creditor. This false reporting is currently hindering my employment associated with credit requirements ( position with clearances ), as well my quality of life and pursuit of the American dream. I recently filed a complaint via XXXX where this company 's rating is graded an XXXX, and received the complaint results stating after multiple attempts of communication from XXXX with FCO, FCO failed to respond to XXXX regarding my complaint. They also informed me to pursue this company with an attorney and/or CFPB. Again, I have also filed another dispute with FCO compliance officer via email, as well as via the CRAs. This company has created havoc on thousands of law abiding citizens and should be seriously investigated and fined.
Product: Checking or savings account

Received multiple emails between XXXXXXXX XXXX on XX/XX/XXXX stating that an account is in progress of being created and verified. The account was then created and approved during that time. I had no knowledge nor approved or any sort of account being created. I dont even Bank with Bank of America so that was already a flag. Called the fraud line between XXXX XXXX XXXXXX/XX/XXXX and the lady stated that the account was opened using my SSN and there was no activity on it yet. Lady stated that she closed the account and would send an email verification. Have yet to receive said email as of XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I 'm a victim of identity theft someone opened up a lot of account in my name and now I 'm getting ready to buy a house I 'm seeing all these things on my report this is killing me it 's not fair to me.
Product: Credit card or prepaid card

Synchrony Bank opened up a credit card in my name through XXXX XX/XX/XXXXcancelation fee for services and is charging me for late fees of a credit card when I didn't sign up for the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2017 Reference # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XX/XX/19 a XXXX XXXX called my job impersonating a law firm, disclosing to the receptionist if she wasn't connected I would be served papers the following day, told me I would lose my house and my job and my wages would be garnished. She told me she was trying to collect bad checks - though I have never had checks. She then proceeded to give me what she thought was accurate information, though the address she had never belonged to me, I don't have a cell phone so I'm not sure whose number she has, and never sent me a copy of the contract I allegedly signed. I told her I have no idea what she was trying to collect, that I have nothing unpaid and wasn't aware of anything unpaid. She then told me I would have to pay it anyway. I asked her why I had never been informed of the debt prior to this threat of a warrant for my arrest and she quickly changed the subject. I asked her how I could resolve this if I had no knowledge of the debt and she couldn't supply me with a contract to review. She responded by telling me that if I wanted to keep my job and stay out of jail I would have to pay it. She was very aggressive and managed to threaten me the entire phone call without providing any shred of accurate information or document for me to review. Furthermore, this debt is past the statute of limitations in my state as well as the creditor 's state.
Product: Mortgage

On XX/XX/2019, I applied for a mortgage loan to Chase. There was a promotion for ( Preferred Saphire ) Chase credit card holders which gives XXXX points awards ( equivalent to {$1000.00} ) to a customer when the mortgage is closed. I have asked during the application whether I would be eligible for the promotion but did not receive a reply till the closing. After the closing ( on XX/XX/XXXX ) my loan officer informed me that they have evaluated my case and I am not eligible as start of my application was not in the promotion period specified in the website. In response, I have sent them the description on the website which did not include a deadline for application. I have been told by my loan officer that, I have a good case and he will try again with the marketing team. About a month after he came back to me saying that there was a " typo '' in the description and they forgot to add the date but they will not be able to offer me the promotion. All our conversations on the phone and email exchanges were recorded. When I mentioned that I will apply to the CFPB and may need the recordings, they stopped responding to my emails. This is clearly a combination of wrong advertising and disclosure of information, and bad and not timely communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 an derogatory account was reported for the of {$2300.00} I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I am in desperate need of this account being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am A natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES LISTED BELOW 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This is the 3rd CFPB for my loan. reference case numbers XXXX and XXXX My daughter contacted US Bank a few weeks ago advising them, once again, that she was struggling to maintain the payments on this vehicle, due to an unforeseen financial burden. Story-her mother, was arrested and she bonded her out of jail. Her mother skipped court, and her bond was revoked. The bondsman, XXXX XXXX, sued my daughter for the responsibility of the bond totaling {$7000.00}, negotiating a payment arrangement of {$300.00} monthly until paid in full and/or her mother turns herself in. She asked US BANK for assistance with deferring the payments, and was advised very rudely that she does not own the vehicle, therefore, she can not request changes on the loan. She confirmed I purchased this vehicle for her, and she has been paying the payments for ALMOST 3 YEARS. EVERY SINGLE MONTH SHE HAS MADE A PAYMENT, whether it was the full amount owed or not. The woman advised my daughter that I would have to call and request assistance, but if I admitted that I do not make the payments, then I am not eligible to seek assistance either since I was n't making the payments. WHAT KIND OF XXXX NON-SENSE IS THIS. My daughter pays, but its not the loan, so she cant get assistance, I dont pay, but it am on the loan, yet i do not qualify for assistance. My daughter has worked for a mortgage company, for over 9 years, and they assist borrowers whom are not on the loan, all the time! They simply request verification of the non-obligor 's income and a written statement from both the non-obligor and obligor. WE ARE STRUGGLING and have made a good faith effort to ask for assistance. I am on XXXX INCOME, and only make an average of {$750.00} a month. This car payment is $ XXXX. How on earth could I afford living, and paying this vehicle. I guess I have to tell US BANK, I will figure it out. I have received a letter in the mail which states I have to pay $ XXXX by the XXXX or US BANK is threatening to repossess the vehicle. It will not be paid by the XXXX. I will make a payment of {$250.00} on the XXXX. US BANK responded and told me to contact them to ask for help, however, they will not help. I have already contacted them and I get the same story each time, by their unprofessional representatives. 

US BANK has charged me a total of {$550.00} since the month of XXXX XXXX. The attached payment history shows payments have been made every month! WE NEED HELP.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and doesn't belong to me and need to be removed. Also the nest as well. Thanks