23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

On XXXX/XXXX/2016, I had purchased a truck from XXXX XXXX. I told the finance manager I would have the funds to payoff the truck in 5-7 business days. They assigned Wells Fargo as the payee. They told me the payoff amount would be {$42000.00} as stated in the sales contract and that I would make that payment to Wells Fargo. About a week later, I received a statement from Wells Fargo dated XXXX/XXXX/2016. The billing cycle due date on that statement as well as in the sales contract was XXXX/XXXX/2016. There was no payoff amount in that statement and I had to call Wells Fargo to confirm the payoff balance. I didnt get the reps name, but I specifically asked her to give me the amount to payoff & close out my account and she had given me the same figure on the sales contract : {$42000.00}. I immediately went to my nearest Wells Fargo branch to payoff the vehicle. The receipt from the branch shows that {$42000.00} was posted to that account on XXXX/XXXX/2016. Three weeks later I get a statement dated XXXX/XXXX/16 from Wells Fargo that shows my account was not only open, but I was charged {$50.00} " interest ''. Statement shows that account did not post for the full amount I made at the branch which resulted in the account being left open. I called the XXXX # on the statement which is actually the collections dept for the Wells Fargo dealer services division. I got nowhere close to resolving this and none of the people including the " supervisor '' would give me their full name or even the name of the top manager of that dept. The terms of the sales contract clearly states that I would pay no prepayment penalty. The contract was also very vague or wouldnt state at all when interest would start accruing and whether or not I would pay interest if account was payed off before billing cycle due date. I paid it off on XXXX and the XXXX due date was a month later on XXXX. Based on my past experience with other banks and financial institutions, Ive never had to pay interest on loans ( including auto ) when I paid off the balance in full before the billing cycle due date. I did not need to or wanted to take out a loan for the vehicle since I was able to pay it off in less that 7 business days. Had I known I would have problems with Wells Fargo, I wouldve stopped the dealership from involving Wells Fargo in the transaction and just pay the dealership directly. I 'm not just upset about the {$50.00} " interest '' charge. I 'm also not surprised that Wells Fargo is using an unethical gray area loophole to keep my account open, extort " interest '' charges '', and hold my car title hostage. I am filing this complaint because I want Wells Fargo to close out my loan account and release my car title regardless of whether or not I have to pay that {$50.00} " interest '' charge. Because of Wells Fargo 's criminal indictment by the Justice Dept. for fraud and misconduct, I can not trust them to do the right thing.
Product: Mortgage

Applied for a loan modification with Ocwen and we were offered a three month trial plan. We made the payments every month and waited for the final agreement to be mailed to us. We hadnt received it by the XX/XX/XXXX so I called my relationship manager. She emailed it to me so I printed and had my husband sign it. We had a notary sign it and I sent it in to Ocwen. They said they never got it so I sent it again this time overnight. Ocwen received the paper work but because it wasnt stamped by the notary they denied the loan modification. So they told me to reapply for another modification. I sent in the application and they denied it within 2 days saying our circumstances hadnt changed since the last modification so the only option we had was to pay {$6900.00} or try to do a repayment plan over an eleven month period. They told me I could appeal the decision and see what would happen. Ive talked to a million people at Ocwen and most have them are really being rude with me. I finally called the ombudsmen office and surprisingly was able to talk to some American people that I could understand and they agreed to try to help me. One of them submitted a request to have the modification denial reversed but they havent given me an answer as of yet. I just want to keep my home and not be in a foreclosure situation
Product: Debt collection

On specific dates listed below : XX/XX/year> XX/XX/year> XX/XX/year> The company Hunter Warfield Inc. has been trying to collect a debt with a balance above {$12000.00}. This company has never received a signed agreement from me to obtain debt and has incorrect information such as my address and telephone number. This company actually reached out to a relative, who is a minor, under the age of XXXX to obtain debt from me. I did not provide this collector with any personal information and submitted documentation to credit burea of original creditor stating to not have any information on my behalf, such as an address to give collector. I have disputed the debt with all credit bureau agencies XXXX, XXXX, and XXXX through mail due to inaccurate information being submitted on the report from Hunter Warfield Inc. I decided to contact the credit burea directly through mail to avoid providing collector with my accurate personal information to obtain debt not owed. The balance was settled through court with a copy of paperwork provided to credit bureau for a lower balance than what is being asked. Documentation of proof has been mailed to all agencies, including bank statements, court order, drivers license, and balance to be paid.
Product: Payday loan, title loan, or personal loan

On  XXXX  I applied for, and was offered a loan for {$1500.00}. The truth-in-lending disclosure that was presented online, and then was verified again when I was contacted by phone by an agent, offered payments of approximately {$150.00} on each of my paydays. ( I say approximately because it was {$150.00} and some change, but less than {$150.00 } ).      The first payment was debited on  XXXX  in the amount of {$330.00}. I accessed my account online to find that this amount was the standard payment amount which would be debited on each of my paydays, and not the {$150.00} that I was quoted.     On  XXXX  I sent an email to their customer service address listed on the website explaining my situation and asking them to provide proof of the truth-in-lending disclosure that purported the {$330.00} payment amounts and a transcript of the recorded phone call between myself and the agent. I feel that a review of that phone call will show that I was not quoted the {$330.00} payment amount, but instead the {$150.00} amount.     I received no communication from the company after the  XXXX  email and sent another email requesting the same information today (  XXXX  ).
Product: Debt collection

XXXX XXXX. XXXX, also known as the False Identification Crime Control Act, is a federal law that prohibits fraud and other activities related to governmental identification documents. The law covers XXXX prohibited acts, including : Producing or transferring false or unauthorized identification documents Possessing XXXX or more false or unauthorized identification documents with the intent to use them unlawfully
Product: Credit reporting or other personal consumer reports

I am trying to buy a home and there's records of late payments that's preventing me from moving forward. I've tried to clear up the discrepancies with the companies involved which revolved around a fraud case with a now closed bank account that the payments were made from. That ordeal caused a terrible domino affect and my family 's future is now in danger. I want to clear up all of the accounts ASAP and clear my late payment marks in the process.
Product: Credit card or prepaid card

On XX/XX/XXXX I was notified via my Robinhood Brokerage Account App of activity on my Debit Card associated with my brokerage account. I noticed 7 transactions that I did not make. I had my card in my possession at the time ; however someone was able to obtain my debit card information and charged {$120.00} + {$110.00} at the cash register and {$200.00}, {$300.00}, {$200.00} {$300.00} from the ATM at a XXXX supermarket in XXXX XXXX. They also attempted one declined ATM transaction of {$200.00}, as well. The total fraudulent charges was {$1200.00}. 

Immediately after noticing the fraudulent charges, I reported my card stolen to Robinhood and filed a claim for the 6 fraudulent charges. Robinhood has ZERO phone support and I have emailed them numerous times between XX/XX/XXXX and today to obtain a quick resolution to the fraud on my account. I was finally emailed back on XX/XX/XXXX by Robinhood only to tell me that all 6 of my fraud claims were denied by my Robinhood brokerage account. I was never able to speak to single human being and all emails have been automated. My case was not properly reviewed and handled by Robinhood so I am writing now to report this. These 6 charges on my account were absolutely fraud!! Robinhood does not have phone customer service so that I can not properly appeal this decision with a human being and re-open my claim. 

Today, I filed a police report in the City of XXXX XXXX regarding this identity theft, as well.
Product: Mortgage

The house was sold on XX/XX/2022 and the amount Essex Mortgage stated needed to be paid was on the pay off letter. Then they sent me a notice that I still owed over {$27.00} XXXX dollars for a place I havent had since XXXX. XXXX title company paid an additional amount to make sure everything is cleared and they are still reporting that I owe {$350000.00} for a place that has been sold for XXXX months. 

They do no communicate with their customers very well, especially during Covid, and dont communicate internally to show that the house has been paid off. All loans are cleared.
Product: Money transfers

this person act like they work for federal government pirvate grant foundations and they said to send them {$500.00} and they will send me XXXX grant check I do n't have to pay it back 100 % federal government guarsntee they stole a photo picture of her and they said that she was one of they beneficiary that won {$50000.00} federal government grantthey told me to be honest with them to get help.this is the number that they are text me XXXX XXXX XXXX XXXX XXXX locate the number XXXX, va
Product: Credit reporting

I sent complaint letters to XXXX, where I requested them the investigation of few suspicious and inaccurate accounts in my credit report. They received the first one on XXXX, 2015 and the second one on XXXX XXXX, 2015. As of today 's date, I have not received any answer from them. I am desperate because I would like to buy my house and this situation is greatly affecting that possibility. They have exceeded the time allotted for investigating and have not answered any of my questions. This further supports my suspicions that the information is not mine. I do not believe that i am a victim of identity theft, I just feel that the information was mistakenly reported to my credit history
Product: Vehicle loan or lease

I purchased a vehicle through capital one navigator with their preferred dealer World Wide XXXX. The dealer engaged in fraud during the transaction. I was sold an extended warranty. The extended warranty was started while my original factory warranty was running. I contacted Capital One Auto Finance on several occasions without resolution. Capital One dealer risk team is stating that they can not verify when that the extended warranty ran concurrent with the extended warranty but I offered capital one proof but they refused to look at it. They also have proof in their position. I would like a refund for the warranty plus any interest accrued for that amount. This dealer has committed these acts in the past. I was told that I had to sign for the product when I purchased the vehicle and that it was an extended warranty that would start when my factory warranty expired. If they look at the contract and look at the vehicle mileage and year they would be able to determine when the factory warranty was in effect. Capital One refused to provide this information in writing even though I sent in a written complaint to XXXX in the presidents office.
Product: Mortgage

I have received a letter from Alliant Credit Union claiming they have a contract with my for a property located at XXXX XXXX XXXX, XXXX Colorado XXXX. I have lived here since XX/XX/year> but I believe Alliant is mistaken about any claims they have regarding a contract. They are even going so far as to file motions against me in a court of law claiming their right to foreclose and sell this property without my consent. I am seeking proof of this contract so that I might respond appropriately. 
Answering these 9 questions should be sufficient to helping me determine if an enforceable contract, that is a contract that documents exchange between two parties, was executed between myself and Alliant Credit Union. 

XXXX. Alliant Credit Union alleges that they provided me with a certain amount of bank credit as the consideration they provided to secure the contract. I require a full description of this bank credit. 

XXXX. Where did these credits come from? Provide evidence. 

XXXX. What in reality do these credits represent? credits of what? A measurement of gold? An amount of silver? Provide evidence. 

XXXX. Did the Alliant possess the assets represented by these credits prior to the alleged exchange? Provide evidence. 

XXXX. Were the assets represented by these credits acquired by lawful means? Provide evidence. 

XXXX. If Alliant can not provide sufficient lawful answers to these questions pertaining to these bank credits, how is there any proof of consideration made by the plaintiff? Provide reasoning that is faithful to all mens rights of equal protection under the law without any special privileges. 

XXXX. If there is no proof of consideration, how is there any proof of an exchange between myself and Alliant Credit Union? 

XXXX. If there is no proof of exchange, how is there a contract between myself and the plaintiff? 

XXXX. If there is no proof of a contract, doesnt it follow that any claims or entitlements granted by this non-existent and illegitimate contract should be dismissed by law? 

In order for a contract to be valid, there has to be proof that something real was exchanged between two parties. Please provide evidence that demonstrates the nature of bank credit and that this asset existed prior to the contract being signed. Provide evidence that bank credit is not more than fabricated journal entries and represents real assets that can be used as consideration in a contract. If such evidence can not be provided, by law, I request that Alliant Credit Union drop all claims of breach of contract against me or prepare to face either the full penalty of the law or the consequences of violating an individuals right to property ( ie his unquestionable right to self-defense )
Product: Debt collection

On XX/XX/XXXX, I learned that my mortgage had fallen out of approval. 

I looked at my credit report on XXXX  to see if there were any issues I could resolve, and found that Southwest Credit Systems was attempting to collect a debt from me in the amount of roughly {$2400.00} from an original creditor " XXXX XXXX '' I called their helpline, and was referred to fill out an affidavit to claim the fraud, which I have filled out, and emailed to them, and attached here. I will not be available to file the required police report until I have returned from the trip I am taking to visit the property for which the loan is out of approval and inspect ongoing work. 

According to the representative on the phone, the account was opened in XX/XX/XXXX, and closed just 2 months later in XX/XX/XXXX. I know from prior experience that the " bill '' that was ran up consists of nothing more than brand new 3 smartphones being purchased under one name. I have included these details in the attached affidavit. 

The reason I am filing this complaint today is because I have already successfully disputed this EXACT account under a different debt collector using the services of XXXX XXXX 

As I am no longer paying their $ XXXX subscription, I am unable to provide the documentation in the customer portal. 

I find it particularly egregious that companies are allowed to commit double, or even triple jeopardy with accounts that have already been discredited with a complete lack of oversight. 

I have also attached a selection of reviews from their XXXX business profile indicating that these dirty tactics are regular business practice for Southwest Credit Systems.
Product: Checking or savings account

XXXX process a transaction that I was not approve of, I contact Capital One regarding this matter. I have express to Capital one that this transaction was not approve from me and that I have try to get into contact with this company many time therefore have not receive no response from this company. I have receive an email today XX/XX/2019 regarding they have denied my claim and refuse to fight for my payment back. 
I have made it clear to Capital One that this transaction has no sign document, written, oral agreement for this transaction. I also made it clear that this company have took their service back and I no longer have their product. Capital has refuse to take matters in action.
Product: Credit card or prepaid card

My Child Support card though Eppi had nearly {$500.00} in fraudulent charges. All charges were not within my normal purchase history and I was locked out of my account due to it being hacked. After talking with Eppi card services on multiple occasions, they agreed the charges were fraudulent and. It in line with my normal purchase history. They reversed the charges and then claimed they contacted 20+ vendors who my card was fraudulently used with and said all the vendors said they were authorized charges. After initially reversing the fraudulent charges, they went back and unreversed the charges. This has been on going for 5 months and is uncalled for. Further, I followed their procedure to request funds be direct deposited instead on being put on an unsecured card and they never complied with the request. I have no option but to use this card and I have no control over their security. They are playing games and hoping I give up and I will see this through to make sure it does not happen to other innocent victims. I am request that all fraudulent charges be reversed. I have spent hours submitting the documentation they requested and would like to join and class action lawsuits against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institutions are supposed to share my information to 3rd party people.

These are clear violations of my federal protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

never sent results of investigation, and took longer than 30 days as I never got a response! Yet the bad information remains. multiple letters and i've only attached TWO. 
in regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hi, my mortgage is held by Flagstar Bank. 
My payment is due on the first of every month. I have ( without fail ) payed this on time every single month via their online payment system. 
They recently changed their site security settings, and I am unable to access their site under any circumstances. I have tried 2 separate browsers, tried multiple security levels ( even completely turned off ). They still wo n't let me access my personal account information. You also ca n't do any kind of password resets or username lookups without having your loan number valid. 
That 's not something I keep handy. I do n't keep paper statements. They are all right there nice and " handy '' on their website. Except they are not now. 
I 've spent over 2 hours this evening attempting to log onto their website just to pay my darned mortgage. This is extremely unreasonable. The website suggests calling their 24-hour hotline if any issues -- but it 's not 24 hour with the customer service representatives. Just a touch button system that requires -- you got it -- your mortgage loan number ; which if you remember correctly I stated I do n't keep a copy of. 
This kind of service for someone just trying to pay their bill is ridiculous, and something needs to be done.
Product: Credit reporting or other personal consumer reports

GOT EMAIL NOCTICE FROM TRANSUION AND XXXX OF INQUIRY I DID NOT AUTHERIZE OR HAVE KNOWLEGE OF ON XX/XX/2024 TRANSUION XXXX XXXX XXXX  ON XX/XX/2024 TRANSUION XXXX ON XX/XX/2024 TRANSUION XXXX  XXXX XXXX ON XX/XX/2024 XXXX FROM XXXX ON XX/XX/2024 XXXX FROM XXXX ON XX/XX/2024 XXXX FROM XXXX XXXX XXXX  I DID NOT APPROVE THE ABOVE INQUIRIES THIS IS FRUAD
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent accounts and need to be removed ... .please be advised that I have supplied all the proper documentation ... ..see below : Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX/DEPT OF ED # XXXX {$17000.00} XXXX XXXX XXXX XXXX  # XXXX {$810.00} XXXX XXXX XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$15000.00} XXXX # XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX ( XXXX XXXX ) # XXXX {$1800.00} XXXX XXXX XXXX # XXXX {$630.00} Inquiries : XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia [ XXXX ] XXXX  Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  XXXX XXXX # XXXX {$490.00} XXXX/DEPT OF ED # XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) # XXXX {$2400.00} XXXX XXXX XXXX ( XXXX XXXX ) # XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$630.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX {$490.00} XXXX/DEPT OF ED # XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXXXXXX XXXX XXXXXXXX {$510.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX {$2400.00} XXXX XXXX XXXX ( XXXX XXXX ) # XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$630.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/2023 i received numerous transactions from the same person using a XXXX card and it was added into my paypal account without me knowing anything about any of this issues causing my paypal account to get charged almost {$3000.00} dollars either paypal nor XXXX are helping me resolve this issue.