23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On Saturday, XX/XX/XXXX, my husband and I received a call from Prestige Financial, the company that finances our used auto after completing our 5-year bankruptcy. We have made payments of {$500.00} for over a year, within those years I requested they do not contact me because they were making aggressive calls before the due date and they're excuse was " we are just reminding you ''. I requested that they do not contact us via text or email. We made payments on time every month until a hurricane struck our area in XXXX. We were attempting to get back on track and notice we have been making large payments over a year and we were being treating as if we were criminals. I am now finding out that the person I was speaking with on Saturday was an account manager, name  XXXX who felt is was necessary to speak rudely and becoming very disrespectful. We perceive this as intimidation tactics to scare consumers. This only makes us more angry and we refuse to put up with this!!! We spoke to several other lenders and were told the vehicle is not worth what we are paying and we are upside down on this loan. To learn this, paying an exorbitant interest rate and then put up with such professionalism while paying {$500.00} to these crooks is unacceptable. We are seeking legal recourse ....
Product: Credit card or prepaid card

On XX/XX/XXXX, I was informed by a Capital One credit card fraud department representative my personal credit card ( ending in XXXX ) was closed yesterday on XX/XX/XXXX. I asked the representative why the card was closed, and the representative said because it had been used for personal use. I informed the representative I am a victim of previous identity theft, and that the card is not a business card, therefore, it can be used for personal uses. On XX/XX/XXXX my CapitalOne Spark business card ( the representative would not provide the last 4 digits of this card on the phone today ) was closed by the company due to the same fraudulent reasons, and the card had not been used at all. I informed the company I had resolved all existing issues regarding fraudulent activity on my accounts dating back to XXXX and ( XXXX ) that involved my maiden name XXXX XXXX and/or my social security number. Since then, I have been approved for business and personal credit cards for them to only be closed by someone or something ( CapOne 's system ) at the company.without good, fair, or ethical cause.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX are reporting incorrect information on my consumer file the account can not be verified as accurate because the information provided does not match. How was this account verified as accurate and what documents or person verified this information so I may follow up in the investigation myself. 

Last Verified : XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX Creditor Type : Finance other than personal XXXX XXXX Payment Status : Payment after charge off / collection Paid, was a charge-off Payment Amount : {$0.00} Account Type : Open account Deposit ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

I RECEIVED A CALL YESTERDAY FROM A RANDOM COLLECTION AGENCY WHOM LEFT A MESSAGE ON MY VOICEMAIL. WHEN I RETURNED THE CALL THEY ASKED FOR MY PHONE NUMBER AND NAME AND THEN STATED THEY HAD DIALED MY NUMBER BY MISTAKE. ON XXXX IT STATES THEY ARE HIGH RISK FOR SCAM AND OR FRAUD.
Product: Credit card or prepaid card

On XX/XX/2019, I completed a Balance Transfer request with First Bankcard for {$850.00}. The offer was for 6.99 % fixed APR and a transfer fee of the greater of {$10.00} or 1 % of the balance. On XX/XX/2019, they provided a statement to me indicating that I had been charged the {$10.00} fee and {$1.00} for the minimum interest charge. Additionally, the statement indicated that I still had AutoPay on to pay the full statement balance. At some point after the statement was released, but prior to a week before the AutoPay was supposed to happen on XX/XX/2019, I changed my AutoPay selection to pay the minimum payment instead. I believe that this was done immediately after seeing the statement, but I did not receive any confirmation when I changed the AutoPay option. However, on XX/XX/2019, my checking account was still debited for the full statement balance. I contacted First Bankcard on XX/XX/2019 after I noticed the full statement balance had been incorrectly debited from my account. They were not able to resolve my complaint.
Product: Mortgage

My mortgage was serviced by Wells Fargo was paid in full on XX/XX/2020. I was told by Wells Fargo I could provide routing/account information to have my escrow balance ( {$4100.00} ) sent electronically. I called XX/XX/2020 and a woman took my account information. Later she told me she could not send it electronically, only transfer it to a Wells Fargo account. I'm sure this is a ploy for them to open up more accounts without customer 's permission. 

I've called Wells Fargo multiple times regarding their escrow refund process. Each person seems to have a different story, fake promises of being called back, and passing the buck to someone else in the organization. Wells Fargo opened a new case, after not resolving the last, and claim they won't have a resolution for another 10 business days ( XX/XX/XXXX ). I want Wells Fargo to send me my remaining escrow without further delay.
Product: Checking or savings account

this started on XX/XX/XXXX their was a lot of unauthorized fraudulent transactions made by playstation/sony in my card. I have been going to my local bank almost everyday and they have not helped me as much, I just wanted to know whats taking so long for them to dispute my transactions i have bills to pay and was wondering if i can get this situation fixed sooner
Product: Credit reporting or other personal consumer reports

The following account was opened fraudulently in my name I have filed a police report and ftc report. 

1. XXXX Acct # XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due   XXXX  /2017, 60 days  XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

The car was repoed. I spoke with a customer service rep and told her I lost my job and couldnt afford the car, I asked if they could come pick the car up bc I wasnt able to pay. No one never came until about 5 months later.
Product: Credit card

I have had this credit card account for over XXXX  years and have never missed a payment or had a return payment all these years. I recently started using a new bank account for payment and this banks has had a funny way of returning payment even when I have available funds to cover the payment. So a meager payment of {$220.00} that I had funds available was returned on first attempt but went through on second attempt, and I tried explaining to my credit card company the issue with my bank after the charged a returned payment fee of {$29.00}. I requested for a customer courtesy waiver for the returned payment fee been that it was the fault of the bank. To my surprise and disappointment, my request was turned down and even when I spoke with a supervisor, it was still not granted. I have never been denied a courtesy waiver of a fee when it is not what I do. I make full statement balance payment and have never missed a payment. This is what customers are rewarded for until my experience with this credit card company.
Product: Mortgage

XX/XX/XXXX I XXXX chapter XXXX The Amount XXXX : Mortnges- 5 month Past due-total XXXX XXXX XXXX- Scam check XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX Home owner association.- penalty {$10.00} Everyday. XXXX I my I pay my mortgage to XXXX XXXX XXXX XXXX until XX/XX/XXXX I dont know that they sell my property to Fay Servicing and Fay Servicing they foreclosures XXXX. They said Im not pay them and they said my own to them XXXX I submit to my lowyer my recipes pay to XXXX XXXX and the monthly payment to trustee. I dont understand why they dont deducted si post to be In m done but still they gave me hardship. I dont understand why they did this and my deed and tittle my home they try to transfer to them I have all record they testing to compute me how to handle chapter XXXX   pls help me I have all record and check my phone to much my XXXXredit score very bad I dont know how marketing they now my information. XXXX until right now is to much stressing for me they stop my life for peaceful. 
XXXX my hard ship : I cut hrs to my work doctor order I have child XXXX - XXXX XXXX XXXX XXXX and XXXX XXXX XXXX My son who help me XXXX XXXX XXXX in XXXX he accidents costs XXXX -name XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX.I have parents and XXXX XXXX to support in my country. I am single mother. 
I field modification to XXXX XXXX and Fay Servicing since XXXX but never response and approve. They always say they are the owner of my home. I both this home since XXXX XX/XX/XXXX XXXX XXXX section XXXX   ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX as the same appears duly  dedicated platted And recorded in deed book XXXX at page XXXX among the land record of XXXX XXXX Virginia. I both this consideration grantee to me XXXX XXXX XXXX XXXX XXXX Virginia. The amount of XXXX. Then right now they said the owner they dont allow give me options for any assistance. I am the owner I have all documented and recipe. Pls Im very tried and very composing this problem. Pls I need really helps. 
Thank you so much Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Virginia XXXX
Product: Credit reporting or other personal consumer reports

Hard inquiry that I did not authorize or was even aware of showed up on my XXXX report from the below institution on XX/XX/XXXX : Institution Information CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After confirming the number was a valid institution by cross checking with XXXX, I called. The automation requested either the last 4 digits of a card or my social security number to speak with anyone. Obviously I didn't have a card number so couldn't provide that. Attempted to request to speak with someone and after 5 attempts just entered my social security number. Finally got a phone agent who spoke very fast and was very quick to get me off the phone even though he did not help me. Kept saying that Citi has a lot of different cards like home depot or Macy 's ( which i do not have any of! ). I asked him for a direct number to speak with someone because he didn't help me & he gave me a scam number XXXX which I also googled and can see that this is a reoccurring issue with Citi giving this number out.
Product: Mortgage

I tried to refinance an existing mortgage with Santander Bank for a new mortgage with Santander Bank. I got my loan estimate on XXXX/XXXX/XXXX. I was told the process would be done by mid-XX/XX/XXXXat the latest. Due to some unexpected repairs of {$2000.00} each, as well as the fact I WAS ASSURED ON MULTIPLE OCCASIONS THAT THIS THING WOULD CLOSE BY MID-XX/XX/XXXX I stopped making mortgage payments on the original mortgage. Then, in mid-XX/XX/XXXXSantander reported negative information on this loan to all the credit agencies, thereby, ruining my credit and making it impossible for me to start the refinance process over at another bank. Then Santander 's collections department began calling me and threatening foreclosure, as well as mailings. I called and left messages with Santander When is the closing? Now I was assured just 1 more step, all is good, and we will close on XX/XX/XXXX. On XX/XX/XXXX I would get a call from the title company. No call on XX/XX/XXXX, I called title company, they said I was not cleared to close. I call/e-mail Santander again and it turns out the subordination request is not completed, but again, no problem should be done in 24 to 48 hours. Nothing happens over the Holidays. Now I am told the closing is scheduled for XX/XX/XXXX No closing happens. I call the Santander Consumer credit department and they say they need the original of a signed document from me and my wife and this normally takes 2 to 3 weeks. I put in a rush request with that department and spend {$25.00} dollars to overnight the original signatures on the document to this department, all the while trying to explain that, no, I am not an employee I am the customer trying to close on a loan before they foreclose on me. I am told on XX/XX/XXXX ( 71 days after the original loan estimate and agreement to proceed with this, 55 days after the appraisal was done and 42 days after I was assured this thing would close ) that " there is a problem ''. I then send an e-mail expressing my displeasure with all of this and am told the next day ( XX/XX/XXXX ) that, maybe, if we are lucky, the underwriters will approve the loan as long as I bring {$5500.00} to the closing table. I express my displeasure at being treated like that and am told the boss of the employee will call me later in the day. No call. Santander bank employees have lied to me all along the way and been dishonest. I have repeatedly done their jobs and tried to push the process along as best as I could. I wonder many things including but not limited to : Did n't the interest rate lock expire on XX/XX/XXXX? Why did I get a second loan estimate dated XX/XX/XXXX? Why am I repeatedly faxing the same documents over and over again? Why am I doing other peoples jobs? Unacceptable and probably illegal. My lawyer is looking into this.
Product: Debt collection

Debt in collection {$2600.00} and I am not responsible for this debt I did not authorize no one to use my personal information to get a credit card. I have XXXX  XXXX  and the credit bureau told me the account is not in my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. Code $ 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 168lc of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Debt collection

ccount info Account name CKS PRIME INVESTMENTS LL Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$420.00} as of XX/XX/XXXX Monthly payment - Original balance {$420.00} Highest balance - Terms 1 Months Payment history XXXX This company bought a debt from a credit card company I never signed anything with them giving them the right to create this account. It is listed as a collection even after I paid it in full, it shows up as negative item on my credit report. They bought the debt but it is fraud to open up a new account to the company who bought a debt without my permission and created an account under there letter head without my permission, I have asked them to correct it they refuse
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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
Product: Debt collection

I am in the process of viewing my credit report and just saw this derogatory account created by Southwest Credit Systems, and it shows on my report it was created XX/XX/2019 for an alleged balance of {$140.00}. 

This claim made by Southwest Credit Systems is entirely unfamiliar to me. I never received anything from them and unless they can provide proof of debt with my signature and origin I demand this alleged debt be permanently removed from my credit report. 

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

I'd like an explanation as to why the Consumer Financial Protection Bureau hasn't lifted a finger to do anything about the Equifax Data Breach. I'm one of the Americans who's personal information was stolen, and now I have to spend the rest of my life paying for services and keeping on the lookout for people who use my social security information to open fraudulent accounts in my name. 

Either you figure out a way to have people securely change their identity confirmation documents, or you hold Equifax accountable. 

The fact that XXXX XXXX on XXXX has done more to hold Equifax accountable than a government agency is an absolute disgrace. This morning I read in a news article that XXXX XXXX shelved plans to test the on the ground security from this happening again. 

This isn't a matter of making sure there aren't to many regulations on businesses. This is a matter of a government agency holding a private company accountable for collecting and not safeguarding my private data, which they didn't even have permission from me to have in the first place. 

Do anything. Seriously. Do anything because as far as I can see you have done nothing.
Product: Vehicle loan or lease

XX/XX/XXXX - returned XXXX XXXX XXXX vehicle back to chase at end of lease. 
XX/XX/XXXX - received letter from chase bank asking {$2500.00} as wear and tear damages in the condition report. 

I requested photos of damages. The damages in photos do not corelate to the charges in condition report. 

My auto insurance provider is requesting a detailed invoice of breakdown of charges ( labor, equipment etc ) related to a dent on right front door and right rear door so they can reimburse me for the damages but chase is not able to provide these details. I was not able to get a repair estimate from the body shop because I couldnt take the car to the workshop during COVID when I damaged the car.
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and 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.