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

I was in an accident in which my auto insurance sent my car to the shop to get repaired and then refused to pay the full amount of the repairs. It turned into a legal fight for my car and the repair shop held my car on a mechanics lean. My car was at the repair shop from XXXX to XXXX. I called Ally multiple times to arrange something with them as Im a single mom who had no vehicle which ultimately caused me to be let go from work. I also was not even in possession of the vehicle and they refused to make any accommodations. I have tried several times to get ahold of them and have clear communication but they never answer the phones and every call contradicts the last.
Product: Debt collection

The original creditor is a real estate agency called XXXX XXXX XXXX XXXX of an apartment I rented, where prior to move in I paid a security deposit via money order, the protocol was that in order to receive keys on move in date I had to bring a deposit, so I did. Upon move out, the company stated I didn't provide a long enough notice and also stated that I did not pay a deposit when I moved in so therefore the balance owed was for a one month rent plus several hundred for any damages and cleaning that accrued while I occupied the apartment. Which is absolutely false, I paid a deposit upon move in. Later, I found out from other neighbors that the previous manager fraudulently cashed the deposits and did not apply the money to accounts, as far as giving the notice to apartment according to State Law if the apartment remains unrented they are supposed to charge me the amount of days that it remains unoccupied, while I tried to resolve and paid for the amount of days it was unoccupied the balance still grew at an awfully high interest rate of 12 % with now a collections company, which also made zero attempts to inform me of the debt and the interest rate they go for. In conclusion, the original debtor received a payment of {$400.00} which I believed was what I owed for not providing enough of an advance notice prior to move out, which could also be argued since the apartment manager was never on duty, she later go fired.
Product: Money transfer, virtual currency, or money service

I filed a dispute through cash app for a restaurant in XXXX NC XXXX XXXX. Due to a wrongful charge on my account. Although it says in the screenshots i filed the dispute for the total amount. I only requested a refund for XXXX dollars and some change give its take. When filing a dispute they ask you how much and thats what i put in. I never received a food item at the restaurant plus the tip I gave The waiter. Before leaving the restaurant I was assured Id be given a refund and didnt get one. The waiter disappeared and was not seen. I filed a dispute with the company and called the restaurant to let them know that I didnt get my refund and of my request. This all happened in the same day. A refund was given immediately and corporate followed up days later with a refund and gift card as well. No I did not notify cash app of the refund because I assumed someone would contact me. Like it said they would when I filed the dispute. I woke up this morning to my card being deactivated, XX/XX/2023 with cash app claiming my claim was false or fraudulent. However nothing was false or fraudulent and no one ever followed up with me. I assumed They would see I was given a refund and close the dispute. In no way shape or form was I trying to get over on anyone or file a false claim. I got What I needed from XXXX XXXX and I am content.
Product: Credit card

I have been getting text messages and emails from Capital one saying a credit card was on the way. I thought they may be spam so I did not do anything about it, but now I have a credit card that I got in the mail. I did not sign up for this credit card, nor was I even looking into it. I have frozen my credit on XXXX, XXXX, and XXXX. I found an additional phone number on my credit on XXXX site. I requested they delete that number from my account.
Product: Debt collection

I am an identity theft victim. I made my FTC report before Crown Asset Management took legal action against me. I never received the letter that I could dispute the debt. They keep claiming it was sent to my address, yes but I never got a hold of them. The XXXX that is in charge of my account was being condescending and was putting words in my mouth, basically to say what he wanted to be recorded on the phone line. I too recorded him just like they had me on a recorded line. The lady I spoke to before was really rude, told me that just because I am an identity theft victim does not mean that I am not responsible for the money ; accusing me of having given someone authorization to use my card. I requested a file disclosure from the debt collection agency and then they want to send me all these affidavits and court papers to prove that I am victim of identity theft. I have proof that accounts were opened under my identity and did not belong to me. I do not feel like returning those documents to them. They have caused me so much stress, and anxiety. I want someone of the higher ranks to tell this company to not belittle individuals, nor force or incriminate us as delinquents.
Product: Mortgage

My mortgage company, Loancare, purchased my loan from XXXX. My XXXX monthly payment went up {$400.00}. When I called Loancare, I was told that an escrow analysis was conducted in XXXX of XXXX. At that time it was determined that there was an escrow deficit in excess of {$3000.00}, which is beyond the normal course of affairs. Neither my taxes nor home insurance went up enough to cause that kind of deficit. I first called Loancare and emailed them with my issue on XXXX XXXX, requesting a full escrow history analysis. In the intervening time, I have been promised on XXXX occasions that a supervisor would be in touch that day or the next day, only to have that not occur. For two weeks, it was impossible to stay on the line and wait for an agent -- XXXX had to opt for a call back, which made it difficult to communicate with Loancare. Between XXXX XXXX and now, I have had the following information given to me agents/supervisors only to have the next XXXX refuse to acknowledge and confirm what was said : 1 ) XXXX agent, looking into the matter, indicated that it seemed that when my loan was purchased incomplete escrow monies came over and escrow monies were erroneously applied to principle ; 2 ) I had a supervisor last weekend explain that every payment I have made is being manually readjusted ( even dating back to XXXX before Loancare bought the loan ) -- the following agents have refused to confirm this ; 3 ) I was promised that the situation would be escalated to upper management and that I would be receiving a phone call on XX/XX/XXXX. That day has come and gone, as is par for the course with Loancare and how it seems to do business.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information in my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). The errors present in my credit file have negatively impacted my creditworthiness and demonstrate both negligence and noncompliance with the FCRA.

Under 15 U.S. Code 1681o, credit reporting agencies are required to maintain and enforce reasonable procedures to ensure maximum accuracy of consumer reports. The failure to properly verify or correct the errors in my report constitutes negligence in your compliance with these obligations.

I am requesting the following actions : Conduct an immediate investigation and verify the accuracy of the disputed information.

Correct or remove the inaccurate items from my credit report.

Notify any parties that have accessed my report within the last six months of these corrections.

Failure to comply with this request will result in further action to enforce my rights under the FCRA, including pursuing damages for negligence and noncompliance as outlined in 15 U.S. Code 1681o. 

I look forward to your timely resolution of this matter. Please contact me at XXXX or XXXX if you require additional information. 

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

Since XX/XX/XXXX, I have written four certified letters ( see attached 4 Equifax XXXX letters ) to Equifax regarding multiple inaccuracies and FCRA violations they posted on three of the accounts they had listed on my Equifax credit report : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX BANK # XXXX These inaccuracies and FCRA Violations include but are not limited to : 1. Incorrect dates of last activity 2. Incorrect dates of last payment 3. Not posting my Notice of Disputes when notified that I disputes these accounts 4. Failure to update these files when properly notified 5. Incorrect Payment History In response to my disputes Equifax deleted these three files and confirmed this in a response # XXXX dated XX/XX/XXXX ( see attached 4 Equifax responses ). In the attachment you can clearly see that Equifax notified me of the deletion of the three files. 

On XX/XX/XXXX, I pulled my Equifax credit report and found that all three of the accounts had been re-inserted ( see attached excerpts from XX/XX/XXXX Equifax Credit Report ). I did not received any notification from Equifax of this action, nor any 5 day warning that is required under the FCRA. This is non-compliance under the FCRA and a failure to follow FCRA protocol. A quick look at the Payment History of the XXXX accounts and you can plainly see that Equifax continues to completely and blatantly ignored by earlier letters which pointed out their inaccuracies and FCRA violations.
Product: Debt collection

Some who claims to be "XXXX XXXX(XXXX)"  calls every day.   No company name displays, he does not say who he represents.   He has my full name and phone number and refers to it as "a serious financial matter involving yourself."

Phone # that displays is XXXX.     This is a Florida number.   A friend called the number and it says it is a debt collection agency but it did not give a name.

This guy has called every week day for over two weeks.
Product: Payday loan, title loan, or personal loan

Throughout the years One Main Financial has been deceptive and misleading regarding a personal loan that I took out. They have predatory unethical lending tactics encouraging the account to go past due before a reduced payment can be set. This causes unnecessary late fees, high interest and the result of creating a new loan agreement. Anytime that my loan had been modified they created a new account and credit line. They also promise to clean up derogatory remarks which they also lied about. I submitted a credit bureau dispute advising duplicate history accounts that needed to be remove. My current balance of fees is {$3400.00} showing the loan balance as {$11000.00}. However, I never took out a loan for this amount. After being laid off in XXXX I utilized my layoff protection insurance which they only paid for 3 or 4 months. This is a upsell service they highly recommend for all loans but is deceptive. I was briefly a partime seasonal postal carrier for one month and it did not work out. One Main Financial kicked me off of the unemployment benefits although my unemployment benefits through the State of Colorado was reestablish right away. I had limited income to pay all of my bills which One Main Financial took advantage of. I also took a significant paycut once I found a fulltime employer. I requested numerous times to adjust my due date due to my pay period which they refused. It became a standing joke to them as " the due date '' which I did not find funny, lacked empathy and was unprofessional. I transitioned to my current employer in XXXX of XXXX in significant past due debt. Keep in mind that every time I was given a reduced payment the new amount increased astronomically unaffordable. I have misplaced my notebook and wanted to submit my complaint on record. But around the fall of XXXX a woman who identified as a supervisor reached out offering an affordable payment. She empathized that my account would be cleaned up and would get my account back on track. I also questioned why my balance was drastically higher. Which I was informed that rest assured all would be resolved and I was coerced to reply to an payment agreement sent by email otherwise subtle threats to pursue legal action. I have been paying diligently however I am disputing the balance remaining on this loan. I requested past statement history indicating the original loan amount but was sent to me was internal data. It doesn't even display an principle balance and fee section separate since it all has been combined together. I truly feel what is left over are significant penalty interest charges and late fees that they encouraged me to not pay and was the " only way I could get assistance ''. Please close out this account as satisfied and provide a paid in full satisfaction letter for my records.
Product: Mortgage

XXXX XXXX XXXX Lakeview Loan Servicing received my call after my mortgage monthly payment went from {$2700.00} to {$3900.00} after their escrow analysis based on incorrect property tax appraisals. I asked them to review the values, or at least postpone the increase until we can fix everything. They hung up. I called back many times, including today XX/XX/24. I called, used their XXXX and tried every number I could find. I could never get a representative on the phone at all. The XXXX were incapable of answering my questions. There needs to be a SKIP THE XXXX button on all financial websites. The phone answering XXXX couldn't help and refused to transfer me to a human. The internet chat XXXX also refused to send me to a human, and gave me a number to the wrong mortgage company, XXXX XXXX.
Product: Credit card

At the end of XXXX, I bought an item through XXXX. The delivery showed that it was " Left in locker/storage. '' on XX/XX/XXXX, but the mailroom/locker room did not receive the any package from XXXX XXXX XXXX for me. Then I contacted XXXX, and XXXX asked me to contact the bank to dispute it. So I disputed the expense and provided the purchase receipt and the historical screenshots of the deliveries of the mailroom/locker room to prove that there was no delivery on XX/XX/XXXX. After waiting for a month, Amex automatically rejected the dispute without any phone call or email updates. Soon after, I contacted Amex to ask the reason for the rejection, but Amex refused to provide the reason and asked me to reopen the dispute and provide documents again. So I asked Amex if they could tell me if there was any problem with the documents I provided before? But Amex still refused to answer. Then I asked if I could contact or communicate with the team that handled my dispute. Amex still refused and said that they could not contact the people from dispute team. Finally, I asked what documents were valid or could prove that I did not receive the delivery. Amex refused to provide any information and asked me to prepare all the documents I could provide myself. I tried to seek help, but Amex refused to provide any information and kept claiming that everything I said was noted down and someone would be there to check it. However, any questions I asked about the dispute were refused to answer.
Product: Mortgage

Our XX/XX/XXXX statement inaccurately indicates a past due amount of {$140000.00}, and erroneously stated we have not made any payments on the account since XX/XX/XXXX. The attached Trustee Ledger of payments to Wells Fargo Mortgage during Case number XXXX was {$75000.00}, which to date has not been credited to the account, while Wells Fargo Mortgage and the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX via Attorney XXXX XXXX is moving with lighting speed to unlawfully foreclose our home without providing us the correct and true amount that is past due. We have submitted numerous Qualify Written Request ( QWR ) Pursuant to 15 USC 1692g 809. Validation of debts and California Rosenthal Fair Debt FDCPA requesting the following documents in order to validate what is actually owed on our account prior to Wells Fargo Mortgage proceed with foreclosure on the property to no Avail : ( 1 ) Account Payment History from XX/XX/XXXX thru XX/XX/XXXX. ( 2 ) Reinstatement Work Sheet ( 3 ) Detail documentation as to how the {$75000.00} from Chapter XXXX Case NO : XXXX was apply and credited to our account. ( 4 ) Any and all charges for delays posting our payment to the account. ( 5 ) Any assesses an incorrect late charge amount. ( 6 ) Any pyramids late fees ( Pyramiding occurs when the loan servicer takes the assessed late fees from the regular payment and leaves part of the scheduled payment overdue ) .as Federal regulations and California State law, and mortgage contracts prohibit this practice.
Product: Credit card

I have been an XXXX Credit Card holder for some time. I had set up autopayment and nothing had changed with my bank account. They randomly cancelled my autopay and claimed that I did it, but I did not authorize this. I only discovered this when I received a late fee and interest charge on my account. I called, they removed the fee as a one time courtesy and I paid in full, but not before making sure that they confirmed autopay was set up. I verified my banking account information was accurate and saw on the XXXX website that it was there. 
Once again, for billing cycles in XXXX and XXXX, they did the same. When I called to inquire, I was told that I cancelled autopayment in XXXX, which is not true. Why would I do this?? 
When I called again today, I paid in full the amount that was due, but they refused to remove the late charge and finance fees stating they had already done this as a one-time courtesy in XXXX when I called. 
I asked for my account to be closed, and I paid the balance in full online, and asked the customer service rep to confirm it posted. She said it did, but when I asked for a confirmation #, she states she can not give me a confirmation # because they can not do that with online payments. She insisted on taking my payment over the phone but was going to charge me some random fee of {$9.00} and some change. 
I am reporting this because I feel as if XXXX did this with intent to collect money that was not due, and I am likely not the only customer this happened to. It is suspicious for fraudulent behavior and should be investigated with intent. 
This is the information from their website for you : XXXX XXXX XXXXXXXX XXXX. This site gives access to services offered by XXXX XXXXXXXX XXXX  which is part of XXXX XXXX. 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Credit Card Accounts are issued by XXXX XXXX Bank pursuant to a license from XXXX XXXX XXXX. XXXX and the XXXX XXXX XXXX are registered trademarks of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi there, The company Im having trouble with is PayPal. I had transferred money from my PayPal account into what I believed to be my XXXX XXXX account, however, when the transfer didnt appear on my statement, I realized the account associated with my PayPal account didnt match the last XXXX digits of either my XXXX XXXX checking account nor my savings account. I immediately contacted both my bank and PayPal. XXXX XXXX has no record of an account ending in XXXX under my name. Ive asked them probably 6 or 7 times now to double and triple check. PayPal told me this XXXX account had been attached to my paypal since 2015, however this is still inconsistent with what XXXX XXXX sees on their end. Ive asked PayPal for two separate investigationsthe first one, they merely informed me that the transactions were legitimate ; this was unhelpful considering that the transactions were not the issue. My concern was with the potentially fraudulent bank account the money had been transferred to. I then spoke to a supervisor at PayPal asking them to investigate again, and to get in contact with XXXX XXXX directly. They got back to me the next day informing me that the transfers had been successful. If this is, indeed, a fraudulent account, Im sure it wouldve been transferred successfullyinto someone elses pocket. I would love to resolve thisI just dont know how. XXXX XXXX has assured me this account doesnt exist under my name and I dont feel I am being taken seriously at PayPal. For your information, the transfers in question are one for {$220.00} and the other is for {$460.00}. I sincerely hope you can help me with this issue. Thank you!
Product: Checking or savings account

Called the bank on XX/XX/20 and was told the bank closed my checking account without my knowledge. They called it a administrative decision. Was told the only way I would get my balance was via mailed check or wire transfer. Called again on XX/XX/20 to ask if bank transfer was an option. Told by customer service, it was a flat out no. My new account doesnt take wire transfers and I am unable to use mobile deposit without being enrolled in direct deposit. I should be allowed a bank transfer from a closed account to my current open account. This bank makes customers wait months to get it done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Veterans United Home Loans, XXXX XXXX XXXX, XXXX, NJ XXXX has continued to indicate I was late six ( 6 ) times on my mortgage payment because of their mishandling of my account. No attempt was made by them to notify me of an issue because of their incompetent handling of my account. I complained directly to them and they refuse to even acknowledge the issue I raised responding only that their reports to credit bureaus was accurate. It is not.
Product: Debt collection

Company ignored my request for debt validation, reported a wrong debt on my credit report, they fail to identify themselves when they contacted me through this site, they did not provide me with any updated information and They did not provide a detailed information at all that could help me identify the debt in question. This actions violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act. 
The only medical service I had that year was a workers comp case, which makes this collection illegal and to report it to credit bureaus its against the law.
Product: Credit reporting or other personal consumer reports

I received a credit alert today, Tuesday XX/XX/year> XXXX my credit report was accessed by : XXXX I did not apply for nor did I authorize this company to access my credit report.
Product: Debt collection

A written complaint was sent XX/XX/2018 asking the company to VERIFY that the account belonged to me. The company responded on XX/XX/18 advising they didn't own the account and collection efforts would cease. I have recently received the same communication on this account ( which I did not request as the situation was handled previously ) and it has been added back to my credit report under this Agency. I am  requesting that this be removed in accordance to previous responses.