23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I keep getting charged over draft fees because there waiting until the weekdays to clear my pending charges made over the weekend.
Product: Mortgage

My house burned down. I have called several times. About sending my check to payoff the loan. After about a month they sent me the papers to sign and send back. I got them the monday before XXXX and faxed them the next day. I sent the check the Monday before XXXX. The signed for it Wednesday before XXXXXXXX. Now they say the don't have. I have called a half a dozen times and get the same run around. I believe they are just trying to make money from me by keep charging interest. They say the will call me an update. That never happens. They get less than a quarter of the check. I get the rest. I would tell people not to use PHH Mortgage. Check for {$450000.00}. I owe the {$91000.00}. The rest is mine. This is wrong. I have had problems with PHH since they bought my mortgage. My mortgage should have been paid off in XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Accounts XXXXXXXX  and XXXXXXXX XXXX XXXX XXXX XXXX. Credit limits for both cards {$27000.00} based on false consumer house hold income of {$150000.00}. 

USAA participate in consumer and bank fraud along with their business partner XXXX known as XXXX XXXX XXXX base in Nevada. 

XXXX is dishonest of raising capital for their clients through their business partner USAA and many other banks who participate in consumer and bank fraud such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX by filling out false information online consumer credit application and using false information and false Business Projected Income as Stated Income in the consumer house hold annual income to allow for the client to get a high credit limits for start ups. This is called fraud. It is not the consumer fault of deception by XXXX XXXX XXXX and the Banks. 

XXXX XXXX XXXX is use for business credit and loans for business. Stated Income mainly a Stated Income Mortgage where you provide some documents such as bank statement. There are hardly any more banks accept Stated Income due to the market crash. Due to Dodd Frank Act lenders are required to ask for proof of Income to meet the reqiurments.. 

USAA is only for USAA members and Military and family members. The XXXX XXXX XXXX  cards were never open to Non Members and Non Military at any giving time. Sending me phony 1099-c tax forms and a {$10.00} dollar refund check with different account numbers. 

XXXX and USAA are still working together to commit consumer and bank fraud. USAA is destroying my credit due to their action of wrong doing. 

I had tried to communicate with USAA by emails. All USAA is reading my emails and not responding I am being ignored. USAA is not denying anything that I am accusing them of. I only communicate by email and not by phone. 

I GOT XXXX!! 

USAA needs to respond to my complaint online and not send me a letter with their response unless USAA got something to hide
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report I see an open credit card through XXXX XXXX with an active balance of {$700.00}. I tried to dispute this account as I had no knowledge of the account and XXXX XXXX did not accept the dispute. Dispute filed on XX/XX/XXXX  through Experian.
Product: Debt collection

portfolio is showin on my credit report with an account opened date of XXXX 2015 I have only opened XXXX account in XXXX 2015 and that was XXXX auto loan which was paid off in XXXX from an insurance company due to toal loss, ive disputed this portfolio many times and I keep getting same outcome that says they verified accuracies consumers still disagrees, well yea because I did not open a credit card in XXXX 2015
Product: Debt collection

Your company is in violation of 15 U.S.Code 1681a ( 2 ) ( B ) 1681a ( 2 ) ( B ) - Since this transaction was authorized by my social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from your consumer report.

Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown in Exhibit for XXXX XXXX and account # XXXX. This is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed IMMEDIATELY!
Product: Credit card or prepaid card

I cancelled a trip from XXXX, trip # XXXX. XXXX has a policy to have full refund within 24 hours cancellation. The total Price is {$4600.00}, which includes two parts : 1. the air tickets of XXXX {$3600.00} and XXXX the car rental {$950.00}. In my Chase credit card XXXX statement these are two parts of refund : {$3600.00} and {$950.00}. However in my Chase credit card XXXX statement shows a rebill of {$3600.00} from XXXX. I disputed from my credit card company and contacted XXXX. I called tens of times and was kicked back and forth from Chase to XXXX. Chase said " a significant amount of time has passed since the date of the charge, the merchant is not willing to credit your account. '' I opened the dispute on XX/XX/XXXX. But after 3 months, Chase never solved my problem. Chase said I could only contact XXXX to ask for a refund. XXXX said " A refund of XXXX has been processed by our accounting department on XX/XX/XXXX. No additional charges made since reservation is already cancelled. XXXX insisted that I had to ask Chase credit card to find out the solution. Today I called both companies again each call took me more than 2 hours. Both sides asked me to find the other. The {$3600.00} becomes my financial burden.
Product: Credit card or prepaid card

on XX/XX/2018 an unknown person used my identity in the XXXX TN Best buy store to look up and purchase two large ticket items.

The clerk looked up my account information and sold the two large ticket items to the person. 

Best buy in my opinion did not do enough to protect my identity and verify the purchase.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am writing to express my concerns regarding the handling of my borrower assistance application by Fay Servicing. On XX/XX/2023, I submitted a request for assistance with my mortgage payments, as I was facing financial difficulties due to my recovery from XXXX. I was prompted to submit additional check stubs as requested by a letter received from Fay Servicing. The additional check subs were submitted via email on XX/XX/2023. 

However, on XX/XX/2023, when I called to make a payment, I was informed that Fay Servicing would no longer accept payments from me, despite the fact that I have not been sent a demand letter. I found this action to be particularly troubling, as I have never been afforded an opportunity to pay using their online portal or pay-by-phone options. 

During my attempts to engage with Fay Servicing, I was hung up on twice. I subsequently called back and requested to speak with a supervisor. Unfortunately, the supervisor I spoke with answered in a demeaning tone and informed me that the only payment they could accept was the one that was pending, in the amount of {$700.00}. 

As a result of these actions, I believe that my rights as a borrower are being violated. I have not been given the opportunity to make payments, nor have I received any response regarding my borrower assistance request. It is my belief that Fay Servicing is illegally forcing me into foreclosure by not allowing me to make payments. 

I have also shared with Fay Servicing the challenges I have been facing as a result of my XXXX and my need for assistance with my mortgage payments. However, their response to my situation has been unsatisfactory. 

I request that Fay Servicing take immediate action to rectify this situation and provide me with the necessary assistance I require. I am hopeful that we can work together to find a solution that is mutually beneficial.
Product: Vehicle loan or lease

In XXXX I sent out vital information asking for verification of an alleged debt that Capital One claims was owed they have failed to send the verification as outlined in GAAP. Capital One has failed to send my title after failing to provide verification of the alleged debt. I do not owe Capital One anything, they have failed to provide their burden of proof that a loan was made. GAAP will show and prove that there is no alleged debt owed and that I am entitled to my title lien free. After receiving the response from Capital One stating that they will not continue to respond to my request is considered acquiescence and their silence to provide the information that has my personal identifying information is a violation of my consumer rights. Attached is my full response, I am making this complaint because Capital On has violated multiple consumer-protected rights and has failed to provide me with my title and remedies outlined in my first communication to them. This complaint serves as a notice of default as well and I will seek lawful remedies.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act Convergent, Account : 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 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Vehicle loan or lease

I noticed an unauthorized inquires on my credit report. This occurred on XX/XX/XXXX andXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my auto loan with Ally Financial, for about 3 years I have been paying my loans. All my life I never Paid anything late. During Covid I fell on hard times and I contacted Ally Financial and I requested a month of payment extension. The Rep. told me I qualified because I was sick with XXXX and was not able to make that payment. Ally fianc went and reported a late payment on my account because the rep. failed to inform me that in order to be qualified for the payment waiver I would need to pay half of the payment. This is malpractice of this company which they blamed me for it. They refused to take account for they rep. mistakes. This is just wrong and unethical. Despite my efforts to resolve this they simply refused to take fault for they staffs incompetence. I am trusting with Ally financial and now I am coming to you for help. This is causing me all kind of issues with approving for a mortgage. 
Agreement Number : XXXX Make : XXXX XXXX XXXX XXXX : XXXX Information : You can reach us by visiting XXXX or call us at XXXX ( XXXX ) Do not send cash or post-dated checks. All checks will be processed upon receipt. Make checks payable to ALLY. Return the portion below with your payment to the Payment Processing Center address below.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are legally required to conduct a thorough and reasonable investigation when a consumer disputes inaccurate or outdated information. Additionally, under 15 U.S.C. 1681s-2 ( b ), data furnishers like Midland Credit Management must ensure that any reported information is accurate, complete, and verifiable. If they fail to do so, they are obligated to delete or correct the information. Despite my previous dispute and XXXX removal of this account, XXXX and XXXX continue to report itraising serious concerns about compliance with federal law. This failure to update or remove unverified information is not only unfair but also a clear violation of my rights under the FCRA.
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 : XX/XX/XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Americollect located on XXXX XXXX XXXX XXXX. in XXXX, WI attempted to collect alleged debt with Reference # XXXX on behalf of XXXX. First collection attempt occurred via mail dated XX/XX/2022. A debt validation letter was sent to Americollect on XX/XX/2022 via certified mail with return receipt. Americollect received this letter, but failed to respond. 

Americollect again attempted to collect the alleged debt on XXXX XXXX, 2022 in violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's inadequate security caused a data breach that exposed sensitive information of millions of Americans. I appear to be among them. In my state, they charge {$10.00} to freeze my credit. The alternative is to sign up for their credit monitoring service which requires waiving my rights to participate in any class action that occurs in response. I feel it is unreasonable that I am forced to pay for a service that is only necessary because of their own mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian on XX/XX/2021 at XXXX XXXX. I explained that I have a paid membership and an not able to access an updated credit report with Experian online. I also told them I am not able to view the other two credit bureaus either which is one of the benefits of having the paid membership. I was transferred several times with no resolution.
Product: Debt collection

Its been 3-5 months and I only received a response that the debt been verified. I want to know who verified it? By law in 30 days debt is suppose to be remove if not verified
Product: Student loan

I submitted a SAVE IDR plan to Mohela through studentaid.gov and when Mohela generated a monthly payment, it was way in excess of what I was paying before the pandemic and in excess of the loan calculator. I called Mohela on XX/XX/ and talked to a representative who said that there had been an error and she would resubmit with correct numbers and recalculate. It has been two months and this has not been done, and today XX/XX/ Mohela alerted me that my upcoming payment will be the same amount before I complained
Product: Student loan

I called navient in the wake of coronavirus epidemic. My XXXX XXXX is closed for 2 weeks as per the american XXXX association, so I have no income. I am XXXX XXXX, so no unemployment insurance. 
I understand federal loans are waiving interest. Navient will not offer any programs other than forbearance - so defer and then capitalize interest when this is over! 
There is no relief, very unfair during a crisis. 
Pushing people into forbearance will only delay the bigger issue - heavy interest. 
They keep responding to my complaints with corporate padding answers, no legitimate solution. 
What about the rest of the millions of students with loans. 
We need a class action suit against Navient lender.
Product: Mortgage

My father got an XXXX loan in his name XX/XX/XXXX after being approved to build a XX/XX/XXXX. The original bank XXXX was taken over & all assets were purchased by XXXX XXXX XX/XX/XXXX. My father passed away on XXXX/XXXX/XXXX. Roughly 2 weeks after he passed XXXX started harassing us about the loan not having an Owner or signer. XXXX demanded my fathers " will '' that left the rink to my mother be probated, so she transferred the rink to me since I was the other partner in the business. XX/XX/XXXX we were having problems making the payments, so XXXX gave the business 3 months of interest only payments. In XX/XX/XXXX, my family & I decided to turn in the keys. XXXX XXXX ASKED us to run the business until they could sell it. First they were going to Auction it off XX/XX/XXXX, then they cancelled the Auction & they were going to take keys XX/XX/XXXX. This went on until XX/XX/XXXX when we decided that something fishy was going on & we sought out legal council & filed for Bankruptcy. During the Bankruptcy proceedings we found that several of the XXXX Executives sold the {>= $1,000,000} loan to themselves for {$750000.00} under another bank name " BankUnited NA ''. We went through the court system and the day we were going to finalize the agreement, BankUnited brought in an additional lawyer that said he was hired by BankUnited to " Kill '' the business. We had an agreement with BankUnited the day before. My attorney, the attorney we had been working with AND the judge were shocked. We had done everything that we needed to do. After talking to some other XXXX/XXXX/BankUnited victums, they all had the same thing to say. There was no negotiation, just Foreclosure & personal bankruptcy. The group has been buying loans at a reduced cost, foreclosing & selling at a HUGE profit. It seems as though this group is double dipping at the tax payers expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These are the fraudulent items : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; 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

A late payment is showing in my credit reports from XXXX, 1 late payment. I was XXXX  with XXXX and was XXXX from work. I missed 3 weeks of work and was able to make that payment for that month. 
Its now XXXX and I have no other issues with the company or late payments on the account. The REFUSE to assist me on this matter.
Product: Money transfer, virtual currency, or money service

I have a Paypal account. PayPal frequently emails me invitations to apply for their PayPal MasterCard credit card. In each of these emails there is a link to unsubscribe from these types of offers ( what they call News and Promotions ). The unsubscribe link is broken and leads to a page saying nothing was found at that location. To stop receiving these credit card offer emails I have logged into my PayPal account - the settings are already set up to refuse these offers. I have sent them a message through their portal asking them to please stop sending me credit card offers. Most recently I called Paypal customer service to ask to stop receiving these. Each and every time they assure me they will stop sending the offers, and then proceed to email me again prompting me to open up a credit card. This is a nuisance and a contradiction of what they have communicated. Can you please assist?
Product: Credit card or prepaid card

I have a loan with OCWENLOANS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and OCWENLOANS with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

BOA HAS SEN T THE ATTACHED NOTICES REGARDING OUTSTANDING FEES PERTAINING A LOCK BOX. I HAD A LOCKBOX BETWEEN XXXX TO XXXX. I CLOSED THE BOX AND SUBMITTED THE KEYS, IF I CAN RECALL I CLOSED THE ACCOUNT AT THE XXXX XXXX GEORGIA BRANCH OR THE XXXX XXXX BRANCH, KEYS WERE SUBMITTED, I DO NOT OWE THE ATTACHED PAYMENT AND WILL NOT BE RESPONSIBLE FOR THE FEES ATTACHED, .THIS BETTER NOT BE PLACED ON MY CREDIT BUREAU ALSO, IT ; S BAD ENOUGH BOA FACILITATED A FRADULUENT LOAN ON ONE OF MY HOMES, AND SABOTAGED ME BE LOSING ONE OF MY CHECKS I DEPOSITED.
Product: Checking or savings account

I signed up for Identity Theft Protection with my bank, Wells Fargo, in XX/XX/XXXX. I was told I would be charged an annual fee of {$12.00} for Quarterly credit reports. 
Just recently I had a XXXX balance when this charge for XXXX came through from XXXX, listed as XXXX with a string of information. I had never noticed this payment before. I called Wells Fargo ( WF ) and asked what that was, they said XXXX had been charging me monthly for the last 5 months. I requested a stop-payment and my money back, looked up the company and learned there was a class action lawsuit for this company doing the exact same thing to many, many people. WF opened a case. WF later called me back and said that I had in fact been charged monthly since XX/XX/XXXX. I was charged twice in that first month. I was willing to pay the annual fee, and wanted to dispute the remaining 11 per year x 7 plus 1 for the first month, and two for XX/XX/XXXX. So, XXXX x 80 payments. I called WF to ask for a status update and they said they had refunded me {$50.00}, but that the case was still open as these things can take up to 18 months to close. I then received a letter telling me to consider the case closed, and to pay closer attention to my statements. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint has reported negative on my mortgage promised to delete and this has not been resolved