23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I've been set up auto pay bi weekly since XXXX On XX/XX/XXXX I had low fund in bank account bc i was married and in process of create a new joint account. Specialized Loan Services SLSXXXX called and let me know about the insufficient fund. 
- XX/XX/XXXX : SLS took my payment over the phone, they told me to pay XXXX and XX/XX/XXXX. Amount XXXX Then call back next day, they would re establish bi weekly mortgage. they will waive {$25.00} insufficent fee as courtesy. XXXX XXXX would call back to continue set up bi weekly - XX/XX/XXXX, XXXX : XXXX never called back. when i called XXXX said i needed to pay another month on XXXX. 
Although tired of them but i paid another {$900.00} for XXXX XXXX told me call back next day to set up bi weekly They made it clear that they only need 1 month ahead but So fAR I paid 3 times mortgages but still being told " call back next day to set up bi weekly ". 

XXXX I called again, talked to 2 agents, they told me i have to pay another month and call back next day to set up bi weekly. I asked for supervisor and was told he/ she not avail until next week!!! 

This company is horrible lack of training and poor knowledge, too much " aaaa, .... o .... u ... " broken up words bc they did not know hiw to except telling me pay again and call back next day again and again. 

- Another issue : they read disclosure too long and too confused, too long before answering. Poor audio bad disconnection all the times
Product: Credit reporting or other personal consumer reports

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

I told XXXX, XXXX, and Equifax to reinvestigate 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 However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify what isnt reporting correctly.

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.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have an ongoing issue with Ditech regarding loan # XXXX. Since their initial response to my loan modification on XX/XX/XXXX, they have assigned me to three of their staffers. The most recent, XXXX has not returned four calls I have placed. I have received a letter from them asking for all new documentation which is totally un-necessary and a further attempt to have me go away. This loan indexes to a 20 year term in several months. They have all the documentation they need except for current bank balances and some rental leases which XXXX claims were not signed but he never advised me which lease. 

I am retired so my income does not change. As a result, I will not be able to afford the payment on this mortgage after the index date. Should they deny me the modification, a strategic foreclosure will be my only option later this year.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't and never ever sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

Purchased a vehicle from carhop. The vehicle never ran broke down the day I purchased I have been paying they keep telling me Im late for on the vehicle, but I have been paying now they seem to not be answering the phone and will not help me
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Coinbase.com ( US-based digital currency platform company ) credited me with inaccurate ( insufficient ) Bitcoin Cash balance. I opened a case with Coinbase Support on XX/XX/XXXX and has n't received any non-automate response since. Despite the fact that case was clearly non-resolved the case got closed without any message. 

Background : According to Coinbase.com Bitcoin Cash policy all customers who held a Bitcoin balance on Coinbase on XXXX XXXX, XX/XX/XXXX should receive equal balance of Bitcoin Cash. This was communicated on Coinbase Blog ( url # 1 ) and now is stated on Coinbase FAQ ( url # 2 ), links provided below. 

# 1. Coinbase blog post regarding Bitcoin Cash : https : //blog.coinbase.comXXXX # 2. Coinbase FAQ regarding Bitcoin Cash : https : //support.coinbase.comXXXX Here are exact excerpts from Coinbase FAQ : Excerpt 1 : " How can I trust that Coinbase knows the exact amount of Bitcoin Cash that was in my account at the time of the fork? 
At the time of the fork, we duplicated the current balance of all Coinbase customer accounts. Customers can download a copy of their transaction history to see a running log of their balance for each Bitcoin wallet. '' Excerpt 2 : " If my Bitcoin was in my Coinbase Vault at the time of the fork, will I still receive my BCH? 
Yes, you will still receive your Bitcoin Cash funds. All BCH will be credited to a single BCH wallet in your Coinbase account. '' As instructed in excerpt 1, I downloaded my transaction history for both Bitcoin Wallet and Bitcoin Vault. They both confirm that my Bitcoin Cash balance is inacurrate. The missing amount equals to BTC balance held in Vault, but as stated in Coinbase Bitcoin Cash FAQ ( excerpt 2 ) this should not matter where BTC were held. 

I can provide transaction history reports generated via Coinbase reports tool ( as instructed by Coinbase FAQ ) for my account that confirm that my Bitcoin Cash balance does n't reflect my Bitcoin balance held in Wallet and Vault on Coinbase on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes, contacted the agencies, contacted the inquiry companies, sent letters, fraud alerts, was a part of the credit reporting breach, filed ID theft reports, from XXXX XXXX XXXX I have spent over 35 hours emailing calling, reporting, researching and several items are incorrect on my report. Filed police report XXXX dispute charge off remove XXXX XXXX XXXX paid in full closed by me, incorrect reporting been closed since XXXX! 
XXXX car XXXX was bankruptcy-disputed These inquiries have been unauthorized and unverified and I want them removed. These inquiries occurred without your knowledge These inquiries occurred without your approval These number of inquiries exceeded what you expected or what I ever applied for Inquiries XXXX  XXXX XX/XX/XXXX NEVER ME!, XXXX  XXXX XX/XX/XXXX Not me! 
XXXX XXXX XXXX  XXXX XX/XX/XXXX NOT ME, XXXX XXXX XXXX , and XXXX  XXXX none of these I ever applied for. 
Experian- XXXX XXXX XX/XX/XXXX Never even heard of them!, XXXX spoke with multiple times, and two XXXX XXXX back to back! I have all my dispute info and proof I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( n.-281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore doesn't exists
Product: Debt collection

This company repeatedly robo calls my fax machine every single day. Because it is automated and to a fax machine, there is no way to get them to stop. 

I have no accounts in collections and these calls are not for me. Because it is a robot dial to a fax machine, there is no way to stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are only 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Product: Checking or savings account

I went to deposit money that I had withdrawn from my account approximately 8 days earlier.I added an additional XXXX 5hat Was in my purse. I did not put it in envelope.I never even took the money out of the envelope that the bank gave me. I went to deposit {$8200.00} into the ATM. I did not see the sign that said XXXX bills at a time so I deposited the whole I'm a stack of money. It returned it all back to me Is minus {$2000.00} which is XXXX XXXX bills. I immediately called the bank and told them I did Not want to leave the ATM in case it gave my money to someone else. He instructed me that that I need ed to file a dispute with bank. I did so. I was called by XXXX XXXX the district manager and he told me I was not upset enough on video and that I could file all the disputes I wanted and he was going to keep rejecting them. This was my life 's savings. All I want is my money the atm stole. I also reported to the XXXX  and again they referred me to the same DM. This is absolutely covered in the banks statement that they garuntee to cover issues with checking, debit cards and etc. This is not right, its unfair and I am out of resources to fight a XXXX dollar company. Please help me.
Product: Checking or savings account

I made a cash deposit on a Monday night at a Bank of America ATM for my business account around XXXX. I Had a very busy weekend in transportation and had bills coming up usually no problem it posts immediately. This time the ATM decided to eat my money and not give me credit for my deposit. Since it was late Monday night around XXXX no one was available to be reached on the phone until Tuesday morning. Frustrating, So I call first thing XXXX Tuesday morning. Documented that the first person told me to wait one business day for it to post before making a claim. Unusual, but I went along with it. Cash posts immediately so highly unusual to begin with. Next day comes around, Wednesday nothing in my account. So I call to make the claim. This is when I reached a very nice representative, but everyone including him starts blaming each other and says this could take 2-10 business days to rectify!! Meanwhile, No provisional credit given. See, Usually in this case, banks give the credit for the amount until their investigation is over. Not Bank of America apparently. This has not happened. In the meantime, my insurance payments and credit cards are due, i am unable to work because it requires money and im stuck waiting losing money because I can not work until I get this cleared up. This has cost me around 15 billable hours around XXXX this week alone while screwing my credit up and causing more expensive bills for 30 days until I can get moving again. This has caused serious damage to my financial situation and they are not helping. Thursday comes around still nothing, I go into the bank speak with a branch manager directly. I am on hold on the phone at the same time with bank of America customer service, 30 minutes pass I finally reach someone to speak with. This person lies to me about my situation its awful at first. I ask the manager to come in, the woman on the phone changes her voice and everything she said. Starts talking sweet. As the manager listens she shakes her head seriously appalled for me and how badly this situation is screwed up for me. Finally we get an expedited urgent 48 hour review to get this fixed and no response yet. Friday has passed and still nothing. Very few options left, Saturday is coming, holiday on Monday. If they do not update or give me my money ill be filing a police report for theft on Saturday. Basically so we can get the video footage proving my whereabouts. Trust me, I dont want to be on here complaining but this has caused too many issues and stress. All employees do is give you fake sorrys and its awful. Completely helpless. They do not care about the consumer nor even try its all follow orders. They only care about regulations and bs. Dont trust them with your money. I will be closing all my accounts not just because of a mistake, but because of how it was handled, the lying, lack of knowledge/care for me so I thought everyone should hear my horror story. I still havent received my money its almost Saturday.
Product: Debt collection

Capital Management Services called my home and left a message that I needed to call them back about a debt that was in collections. I have no such debts, so I called them back and told them that I know that I do n't owe money and that they had no business calling me. They then asked whether I knew a " Supplied Name. '' I told them that it is illegal to call XXXX party about another party 's debt and that I would be lodging a formal complaint with the CFPB. The woman got snippy with me but said they would remove my information. I wish to make absolutely certain that that happens as I do n't trust these louts.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I applied for a loan and was approved, on their website they make you connect your bank, it makes you login and I set up for auto-pay. 
On XXXX I emailed asking about the loan money because in the email it said 1-3 business days. 
On XXXX I got an email saying they couldn't deposit the money into my account, it was unsuccessful ( I used their own system to link my account ) so I had to go back to the website and manually enter my information. 
On XXXX ( not a business day ) they sent an email stating my bank account was verified. 
On XXXX I sent an email saying my account was verified and that their website says " If you accept your loan before XXXX EST Monday-Friday, you should receive your loan proceeds the next business day. If accepted after XXXX EST Monday-Friday or during the weekend, you should receive your loan proceeds two business days later. '' On XXXX I sent another email because it has now been 4 business days and I have not received my money, which I should of already. 
No response from them. 
I sent a email on XXXX which is now 5 business days later, I get an email back saying someone will reach out to me shortly. 
No one called or emailed. 
I send another email on XXXX and get the same response from them as on XXXX. 
Meanwhile, this whole time I am getting charged interest fees since XXXX and have not received any money from them.
Product: Debt collection

Subject : Complaint Regarding CareCredits Predatory Interest and Payment Practices I am filing a complaint against CareCredit ( Synchrony Bank ) for predatory interest charges, deceptive payment distribution practices, and false reporting to collections. Despite using the account for promotional no-interest charges, payments were consistently applied to balances not accruing interest, leaving expiring promotional charges to accrue high interest. 

Now, this account has been sent to collections, severely affecting my credit score. This mirrors an issue I previously had with Synchrony Banks Ashley Furniture card, where they falsely reported I owed interest despite the account being fully paid. After I proved their error, they deleted the report. 

I request an immediate investigation into Synchronys practices and false reporting, as these deceptive methods are causing significant financial harm and unjust credit damage to consumers. 

Thank you for addressing this matter.
Product: Credit reporting or other personal consumer reports

I have tried dispute unrecognizable inquires and accounts on my credit report for years. None of my disputes have been reviewed or removed. There are address on my credit i don't recognize, these guys dont respond or update information which effects someone being able to get approved for home, cars or basin credit cards. These guys negligence is ruining people lives.
Product: Credit card or prepaid card

I own a small trucking company. One of my trucks needed a repair. I hired a mechanic to do the repair on XX/XX/XXXX. He told us he installed new batteries and a new starter on the truck. The mechanic stated his work was guaranteed and I paid him with my TD Bank XXXX credit card {$2300.00} for this repair. When my driver went to start the truck for work the next day, the truck did not work/start again. We tried calling/texting mechanic to let him know the truck was not working even though the previous day he said he fixed the truck. I have the texts and phone records showing we were reaching out to the mechanic with no response from him. I had to hire another mechanic to fix truck again and found out the parts put in my truck by the first mechanic were wrong. I filed a dispute on XX/XX/XXXX for the above transaction with my TD Bank XXXX credit card. Even though I paid the first mechanic {$2300.00}, my dispute amount was for only {$1300.00} because that amount is for the wrong parts. The credit card company requested proof of records and a second estimate for work done on truck. I overnighted a package on XX/XX/XXXX to the credit card company. Within a day or two that is when the dispute department requested a second estimate. The dispute department stated I had only until XX/XX/XXXX to submit the second estimate documentation. So I faxed the second estimate on XX/XX/XXXX which was the same date the dispute department received my overnight package. When I called to followup on Tuesday, XX/XX/XXXX the dispute department stated they never received second estimate needed for dispute, even though I had a fax confirmation transmission stating the fax was sent. So I sent fax again onXX/XX/XXXX ( which was the deadline for this documentation ) and received fax confirmation sheet stating the fax was sent. TD Bank XXXX credit card stated they never received second estimate in time and they closed my dispute. So even though I did everything they requested in the time they wanted because of the failure on their end with not receiving fax ( even though I have proof ), my company lost when I should be protected by the " XXXX '' logo.
Product: Credit reporting

I have repeatedly been denied access by all XXXX major credit bureaus for my free annual report ... I submitted ALL of the asked for documents to receive my credit reports from all XXXX agencies : XXXX Experian XXXX XXXX XXXX ... .I have not received a response at this time, or a report XXXX XXXX XXXX XXXX I received a response from Experian stating that they REFUSE to send me my credit report, after they received a copy of my Driver License, a copy of my Social Security card, a copy of my mailing address on a cable bill, and years worth of address history, date of birth, full name. By law they MUST give me a copy of my credit report. Please Intervene. Also, I received on XXXX XXXX, 2014 dated an " incorrect reporting '' copy of a credit report, not my actual positive file, XXXX, and the report stated a FRAUD ALERT on my file ... which was never put there by me. Please assist. Thank You.
Product: Credit card or prepaid card

I have spent months trying to work with the dispute department over an illegitimate charge made to my Discover card months ago. I have never known such incompetence in my life. I have spent hours with the dispute team ... .and a month ago, trying to get them to understand that I was not going to pay a {$52.00} charge that XXXX made to my Discover card, for a service that I did not receive, I thought that they FINALLY understood, and would handle the dispute accordingly. Just as with Discover Bank, Discover Card is the egregiously incompetent. After saying that they would handle my dispute, I saw tonight on my bill that AGAIN they put the charge back on my card! I paid of another transaction on the statement and closed the Discover card tonight, because I have had enough. It's like a merry-go-round ... ..month after month!! 

It is of great important that I let you know that I received a notice for 2 months from this incompetent credit card company about a dispute for {$140.00}, that I could make no sense of. It turned out ( by their own admittance ) that I was receiving a dispute for another customer ( by accident )!! This credit card company has should be put out of business for the level of incompetence that they dish their customers!!!!!!!!!!!!!!!!! I think this other account holder should be notified that I was receiving THEIR notifications about a dispute that they were trying to have resolved!! 

I have several XXXX credit cards, and a Mastercard, and have never before experienced issues with the dispute process, or customer service, as I have with this incompetent company, Discover. I would ask that you protect me as a consumer, and not allow them to harm my credit rating, for an illegitimate charge that was made to my card by XXXX. Please help me with this issue, and if possible, have Discover reprimanded for their continued incompetence ... .both in banking and credit card services. Thank you.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF CREDIT REPORT AND NOTICED THAT I AM A VICTIM OF IDENTITY THEFT. I HAVE MULTPLE ACCOUNTS THAT WERE NOT OPENED BY ME NOR HAVE I HAD ANY KNOWLEDGE OF THESE ACCOUNTS .I AM CURRENTLY IN THE PROCESS OF TRYING TO PURCHASE A PROPERTY AND THESE NEGATIVE ITEMS NOT BELONGING TO ME ARE AFFECTING MY CHANCE FOR CREDIT AND ALSO IS HINDERING MY PROCESS. PLEASE REMOVE ACCOUNTS IMMEDIATELY. I AM REQUESTING THAT THE COMPANY DOES WHAT IS FAIR AND RIGHT AND DELETES THE ITEMS IDENTIFIED AS IDENTITY THEFT FROM MY 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