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

I moved from XXXX  to XXXX XXXX  in late XXXX. Once my residence was established and I received direction from the XXXX   on how to obtain XXXX registration, I contacted Chrysler Credit on XX/XX/XXXX to request a copy of the title and a limited power of attorney as required by the XXXX. I have called Chrysler Credit three additional times ( XX/XX/XXXX - spoke with XXXX # XXXX XXXX - XXXX # XXXX / XX/XX/XXXX - XXXX # XXXX ) to explain my situation. Each time they assured me the documents had been sent out but either to the wrong address or they didn't have an address to send them to. This is not a true statement because I have updated my address in their website and they could have simply looked up my account and found my address. Now I am well past the XXXX grace period for registering a vehicle after becoming a XXXX resident and I have to pay a penalty due to Chryslers Credit incompetence. On today 's call with XXXX, she took my information and I insisted they send the documents via XXXX XXXX with a tracking number and to call me immediately if there was an issue. We will see what happens, but regardless, their incompetence and lack of basic customer service is going to cost me fines and penalties by the state. Please look into this company and their lack of service practices. It is harming customers.
Product: Mortgage

We have a credit line with Suntrust Bank in XXXX, Florida. The XXXX names on this credit line are XXXX persons : XXXX ( myself ), XXXX ( wife ) and our son, XXXX. The interest pertaining to this credit line are debited directly from my son, XXXX 's checking account. The Form XXXX, has my name only, showing my social security. I have in many occasions requested to change this to my son 's name along with his social security number, as he is the one paying the interests and are debited directly from his checking account. They have told me that they can not change it. To my knowledge, the Form should show my son 's name ( XXXX ). I am a retired civilian and do not even have enough funds to pay such interest in that amount. Also, since I am retired and receiving social security, this can cause unneccesary problems with the IRS. Please know that this is a former complaint against Suntrust, and wish for you to assist me if I have the right to this request.
Product: Credit card or prepaid card

On XX/XX/21 I opened the Wallet app  on my smartphone to view my Apple Card balance and was given a message stating that the account was restricted and to contact Goldman Sachs customer service. I contacted them via the text support feature and was told that my account is " under review '', that the company will not tell me why the account is under review, and that the company will not give me a timeframe for this issue to be resolved. I am unable to use the card in any way and I am unable to view any information about the card. The only thing I am able to do is make a payment by calling the customer service line. I attempted to escalate the issue with customer service multiple times both within the text support feature and via a phone call to the provided support line. At all levels I was given the same response that they refuse to inform me of why my account is under review or provide a timeframe for when the review process will be completed. If there is potential fraudulent activity or a breach of my information that caused the account to be placed under review then this is something that I should have been alerted to and provided details of so that I can take the necessary steps to protect my financial wellbeing.
Product: Debt collection

I closed out an account with XXXX and apparently final payment was returned. I was never given notice of this. Once this debt was given to a collection agency ( Credit Control ) I never once received a notification as they had the wrong address and telephone number on file. Credit Control received my file in XXXX of XXXX for the account that was closed out in XXXX. They did not report until after I had applied for a mortgage and we were never notified of their intent to report. XXXX also refused to produce any documentation due to the age of the file even though I only just learned about it a few days prior to me calling in. My mortgage lender was the only reason I knew this debt existed, and I believe the practices are unfair in that they reported this debt as my phone number and address were both incorrect and they were unable to provide any support of the final bill being reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing an inquiry dated XX/XX/XXXX from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ... ... ...... 
Equifax claims this is a matter of FACT. 
I herby request Equifax send all the facts regarding this inquiry as it is not mine and has occurred after several data breaches ( XXXX XXXX  ) I have contacted this XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX and spoke to rep XXXX XXXX XXXX and she assure me there was no information about me in there system and more recently contacted rep XXXX XXXX XXXX XXXX at said company on XX/XX/XXXX and again no information appears in their record.Since Equifax says its valid I NEED TO SEE THE PROOF OF THIS! 
IF INFACT EQUIFAX CAN NOT SUPPLY THE PROOF IT NEEDS TO BE REMOVE OR AN ARBITRATION HEREING IS REQUESTED!
Product: Credit card

I have a credit card ending in XXXX and XXXX. I won a default judgment recently in the XXXX XXXX XXXX XXXX  against the XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX at $ XXXX to $ XXXX. See attached. 

For a banker, I think it is rationally and reasonably fair to that I am going to $ XXXX right off the back. But, I went to XXXXXXXX XXXX XXXX, and I think that I will get around $ XXXX from the breach of contract. 

I am wondering if you can extend a credit line or credit loan or increase my credit limit by {$10000.00} to $ XXXX or more.
Product: Credit reporting or other personal consumer reports

These addresses should be blocked and removed from my credit profile. Please delete it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 XXXX XXXX XXXX. 

XXXX XXXX  XXXX : XXXX, has violated my rights. 

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

15 U.S.C 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: Checking or savings account

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. I been with this company since I was XXXX XXXX XXXXthis have been the second time I went to the bank customer service had ask me am I sure I have any account with them.this is why I close my saving and only have a checking with this bank.today I went to the bank I did not even get to deposit the money into my account.doing my closing for my XXXX house on Monday as soon as I am done I will be closing this account.some of the people that is working at some of the bank make a lot of people to close their account.that explain why my parents close their account.
Product: Debt collection

Emergency room physician bill wasnt paid initially due to billing error ( he was hit by a car on his bike, they billed his visit as a headache ). After speaking with the billing company and insurance, bill was paid XX/XX/2016. Equifax and other credit reporting agencies listed the bill as unpaid, after a debt collector reported it to them XX/XX/2016. I have repeatedly sent the debt collector copies of the EOB from the insurance company indicating that the bill was paid, and contacted the billing company ( XXXX ). I called the debt collector again today, who said to fax the info to them. I tried to fax it, no one answered the number they gave me. They wont discharge this on his credit report, they wont accept the fax.
Product: Vehicle loan or lease

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be  dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Student loan

My complaint is that Mohelas website is not user friendly and information is not made plain to me as a borrower. I very much intended to make payments on time, and set up auto payment but now all of my payments for XXXX and XX/XX/year> are being applied only to interest and not the principle of my loan. I believe this is unfair as I have to click on many different pages in order to receive information about when I owe payments manually vs when payments are auto deducted. Due to the lack of accessibility of payment information I am now only paying interest and not principle. Yes i was sent a notification but the titles of these were misleading, it wasn't until my payment was past due that I was informed I needed to make a manual payment for XX/XX/year>. What can be done? Thank you.
Product: Money transfer, virtual currency, or money service

XXXX tenth my mother in law tried to pay me early for my birthday, Venmo immediately took the money no explanation ( {$100.00} ). Now I texted my mother in law and asked if she was going through a process with Venmo and she was but it wasnt supposed to be the one between her and I. I decided to let it ride out before I contacted them until it went downhill XX/XX/XXXX my husband tried to send me {$20.00} and Venmo immediately took it no explanation. XX/XX/XXXX my best friend tried to send me {$14.00} and Venmo immediately took that as well. XX/XX/XXXX the dispute between my mother and law and I finally went through and Venmo immediately took {$34.00} and then took the other {$66.00}, and then after that is now telling me I owe {$66.00} dollars to even get my account back right now. I then called Venmo multiple times multiple days and they didnt answer. On XX/XX/XXXX I was finally able to reach them, the guy basically talked over me the whole time and talked my ear off for XXXX minutes not listening to basically anything I was trying to say and then told me they would email me with an answer in XXXX business days. End of XXXX they finally emailed me and said they arent gon na do anything, its basically not their problem and they wont do anything until I pay them another {$66.00} dollars.
Product: Mortgage

I received a letter from Fay servicing in XX/XX/18, that my mortgage payment will increase from XXXX to XXXX as of XX/XX/18 per terms of my modification agreement.I tried reach the account manager to request a balance status mid XX/XX/XXXX again on XXXX, I tried to contact her by phone and email to get status in XX/XX/XXXX on XX/XX/XXXX,XX/XX/XXXX, and the XX/XX/XXXX. I recevied a letter right to cure a default by XX/XX/18 the notice stated I owed XX/XX/XXXX payment of XXXX, and XX/XX/XXXX XXXX, Corporate advance Balance ofXXXX fee and I had unapplied balance XXXX. I spoke to a team member @ fay servicing he couldn't discuss any details about my account and XXXX XXXX was the person in charge of my account. After numerous attempts to contact her I recieved a noticed dated XX/XX/18 stated modification Deferment and must respond on or before XX/XX/18, in the amount of XXXX, and foreclosure proceeding will not halt unless signed and received and accepted by Fay Servicing on or before the said date XX/XX/18
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in several letters to Experian XX/XX/XXXX via certified mail stating that I found several fradulent reports of late payments on my accounts with several creditors. These creditors refused to take my method of payment and are reporting my accounts as late. I requested a dispute and validation of debt from the creditors pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g and they have failed to send any validations of the debts since receiving my requests I requested these accounts be corrected by Experian after finding the contracts with the creditors were all fradulent as they did not inform me of right to rescind pursuant to 12 CFR 1026.23 ( b ) ( 1 ).

It is a Fact that according to 12 CFR Part 1026.17 ( a ) these contracts were not clear and conspicuous and are therefore fradulent. These accounts are disputed/terminated and must be corrected immediately. 
Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also discovered several fradulent inquiries on my account and pursuant to 15 U.S.C. 1681n I have requested they be removed from my account. 
XXXX. XXXX, XXXX Date : XXXX XXXX. XXXX, Inquiry Date : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry Date : XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX. XXXX XXXX, XXXX Date : XXXX XXXX. XXXX XXXX, Inquiry Date : XXXX XXXX. XXXX, XXXX Date : XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ).

This is also a serious breach of my privacy rights.

This is a violation of the Fair Credit Reporting Act Section 1681n Civil Liability for willful noncompliance. If these fradulent reports are not corrected immediately by Experian i will be seeking {$1000.00} for each fradulent report.
Product: Credit card

I had a late charge in which I disputed with Barclays. I had made a call to not be late and provided my checking account number and was told by agent it went through. Later i find out it did not and i was charged fees for them in accurately entering my account info. 

My dispute was rejected and received a letter dated XXXX XXXX. I called to ask how if could escalate and ask for another review and Barclays agent refused to provide additional info. Hence, I cancelled the card. I still want to appeal but after XXXX conversation with XXXX refusing to provide info on an appeal process I am filling this complaint.
Product: Debt collection

XXXX  off I have had my credit lock since XXXX  and when I found out all these things on my credit I disputed them all and can never get anyone on the phone and it never gets fixed the credit company 's just wont you to pay for the services and I have been homeless for a long time cause of these company 's that I have no service with
Product: Mortgage

I have a house loan with Greentree now called Ditech but still have ongoing issues. 
If I send more money than my payment and ask it be applied to my principal they just place in other account and it does n't decrease my payment. I have to call each month and ask them to place the funds against my principal. 
I had XXXX loan had so many issues I paid XXXX off. I dont want to pay off this XXXX loan with low interest. But it appears they want to force me to. 
Greentree/ditech should not be alowed to seervice loans. They are costing me money. 
Now XX/XX/XXXX they call me saying I 've not paid my house pauyment but I knew I paid it on XXXX XXXX. When I call back to talk to comeone they claim my account is closed. I try to make the lady understand I had XXXX loans XXXX is closed and the other I pay to. I gave up. 
Then the account manager a rude XXXX lady calls me today XXXX XXXX, 2016 yelling at me that Ive not paid my payment. My balance is XXXX on this loan and the house is worth XXXX.+ She claims to be my account Manager but refuses to allow me a moment to look up my payments on my computer. After she hangs up I look it up and call my bank. I paid {$720.00} on XXXX XXXX, 2016 as always by bill pay no changes made in account information where payments were applied in the past 2 or more years other than diatech added to the name. 
The bank showed that on XXXX XXXX, 2016 that Ditech returned the electronic payment. 
The they call me chewing my XXXX when they refused my payment??? 
This company had issues before changing their name. A name change doesnt change there ability to manage loans. 
This need to be addressed immediately. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$630.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 at XXXX XXXX I called XXXX and I talked to them for 44 mins. A Supervisor XXXX XXXX was very rude and unprofessional he told me very false and misleading information. He said no company have to follow 15 USC 6801 and 15 USC 1681 and I dont get to choose how I want my information shared and I do not have a right to privacy I have no control over that. The phone call was recorded and monitored as well from both parties. 


See attachments for letters requesting for removal!
Product: Mortgage

The Consumer Financial Protection Bureau is a government website design to assist consumers with their complaints and acts when laws or procedures are broken. On XX/XX/2019, I filed complaint no. XXXX. The servicing company claims to have responded to our complaint via mail. Be advised we never receive a response from the above mention complaint. The Consumer Financial Protection Bureau knows too well that ones a complaint is filed the company has 15 days to respond or request an extension. In this case, the lender responded to the Consumer Financial by making the false statement that had provided me with a response to our complaint via U.S mail while it never occur. The company deceived the Consumer Financial Protection Bureau and my self. There is no one above the law and I want to remind the Consumer Financial Protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I needed to unlock my Transunion credit report for the purpose of a home equity line of credit loan. 

I logged onto Transunion, and they asked for a credit card number without telling me what it was for. I entered it for identity purposes. I later found out it was was a monthly subscription and was billed for {$26.00}. I find it very deceptive that I was not notified at any moment that I was being billed for a monthly subscription. 

I then went to unfreeze or unlock my account and was notified that I was not able to do so. The agency has reduced its hours due to COVID-19, and I can not reach anyone to unlock my report. 

Unlocking my account should be easily accessible to me as a user, as it is with XXXX and XXXX. Also, customer service should be accessible, which it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX , am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) //// CAPITAL ONE willfully violating the FCRA. Without my direct written consent CAPITAL ONE have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the reporting of that account on my behalf./// CAPITAL ONE based on false and misleading representation with undisclosed material facts about the original creditor, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// I'm demanding that capital one provide the name and address of the original creditor pursuant to 12 CFR 1006.38 ( c ). 
Im being denied credit CAPITAL ONE is harming my reputation, by reporting negative items on my consumer credit report with allege late payments, which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) CAPITAL ONE need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by CAPITAL ONE./// Pursuant to 15 USC 1681b ( a ) ( 2 ) CAPITAL ONE may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// CAPITAL ONE NEED TO REMOVE AND DELETE THESE NEGATIVE REPORT IMMEDIATELY from my consumer credit report