23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023 I requested a payoff from XXXX by XXXX XXXX. They provided the information needed which was {$6300.00}. Account number ending in XXXX. Their infprmation phone number is XXXX. On XX/XX/2023 I requested XXXX XXXX XXXX to pay this off via Loan XXXX XXXX XXXX, phone number XXXX. XXXX XXXX issued Cashier 's Check # XXXX in the amount of {$6400.00} to XXXX XXXXXXXX XXXX XXXX as instructed. On XXXX XXXX XXXX cashed the Cashier 's check as evidenced by attached document. At some point XXXX XXXX contracted with XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, customer inquiries XXXX. To date I have spoken to customer representatives at SST all of which agreed to assist me but they keep sending me notices to pay and have not confirmed that the account is paid. The account number with SST is XXXX. I have notified SST that the collection is at least illegal as it has been paid and I sent them the same proofs as enclosed herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of my rights according to the 15 U.S.C. 1681 Code, not only do I have a right to privacy, I did not give you written consent to furnish anything on my report. Nor, is the information reporting 100 % accurate and must be deleted. 
There are unauthorized inquiries on my credit report and need to be deleted immediately XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

I am going through financial hardship and was trying to figure out payments. 

Barclays had called me several times and I was finally able to accept a low interest payment plan. 

I spoke to a representative on XX/XX/XXXX for over XXXX minutes. I accepted a low interest payment option and all of the terms over the phone. 5.99 % interest with a minimum payment of {$150.00} a month. I scheduled payments out until XXXX of 2023 for auto draft and gave my banking information. 

They have called and emailed me now stating my account will be charged off and I didnt not schedule payments. They have also stated my program is no longer available.
Product: Vehicle loan or lease

On XX/XX/year> I purchased a used vehicle from XXXX auto with a loan from credit acceptance, what I did not know was that Credit acceptance was misrepresenting the cost of credit and tricking me into a high-cost loan on a used car. The true cost of credit offered is far higher than what I was told. 
Causing me to face unaffordable monthly payments, vehicle repossessions, and debt collection. Credit Acceptance violated consumer and investor protection laws.The company created financial incentives and added extra products to the loan. Credit acceptance is also reporting false information to the credit bureaus regarding on time payments, how much payed off on the loan all just to damage my credit score just for their fair gain. All in all, Credit Acceptance hides costs in loan agreements and sets consumers up to fail.
Product: Mortgage

We were denied a VA loan through Veterans United after making several payments well into the process. The reason given for the denial was the distance between my job and the house. I contend that it was known where I worked and also where I was looking for a home early enough by VU to advise me on a proper course. This is my first attempt at buying a house, and I think in the history of home loans I am not the first to move from one job to one closer to home. I was asked when I received the first pre approval letter, where the house was and stated XXXX WA. The loan Officer had all of my information, such as mailing address and the address of my job, but the question didn't come up until very late in the process. Payments for earnest money ( XXXX  ), home inspection ( XXXX  ), water quality inspection ( XXXX  ) not to mention the cost of trips to the area that were in excess of XXXX. All through the process I shared what houses we were looking at and where they were located. Pictures and addresses were sent to the officers for their opinion. When I was finally asked about the distance, I informed them that it wouldn't be a problem for me, VU had me write a letter explaining how I planned to handle traveling to and from work, I did that and was told it wasn't good enough and that in the letter i stated i would be getting another job. It was confusing, on one hand I'm not supposed to change jobs and then I have to have a job closer. We got to within a VA appraisal of getting the house, almost like a child being born, only to have our Hopes and dreams dashed. Not only do we not have a house, but the owners of the house we wanted refuse to release the earnest money and the only way to get it back is to arbitrate or sue for contact breach. We would have moved closer and found employment if we knew this would be the outcome. I also contacted VU with my concerns and was informed the company is not responsible for the money we put out, but it would not have happened if we were told this from the beginning.
Product: Mortgage

There are two problems that happened during the application process : 1. I was told that based upon my income, and that I was a first-time home buyer, I qualified for the lower interest rate of 6 % and lower fees. I took the classes they required, provided my XXXX along with all the other documents USAA wanted, but then about a week before closing, I was informed by XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( USAA reps ) that I no longer qualified for the lower rate and fees. I asked multiple times to provide me with documentation as to what they were basing it on. The only answer that I finally received was from XXXX over the phone telling me that based upon the information provided by my employer, I no longer qualified for the program. They never told me what the information was so I could defend myself nor provided me with any documentation. She only said that I no longer fell into the " median income '' to qualify because I could earn more than the median. My XXXX show differently which is what I ACTUALLY earn. I have been penalized based upon information that I do not even know what it is without even given a chance to defend myself. 

XXXX. I expressed my concerns with my loan being serviced by XXXX because of the horrible customer service reviews they have online. None of the documents I was given prior to closing showed that XXXX would definitely be the loan servicer. Instead I was told multiple times that " they may possibly but we won't know until after closing ''. That is not the case because AT closing, there was a document at the very back of the packet that said I agreed to let USAA give my information to XXXX so they could service my loan. I called XXXX XXXX from the title company and she said that I didn't have to sign the document but that USAA would cancel everything if I didn't. 

Now that USAA has 100 % turned over my loan to XXXX, they need to send me a letter telling me this and giving me the information so I can make my payments. USAA never told me that just XXXX would now be servicing my loan. I received absolutely no communication at all from USAA or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of identity theft and took information and opened up account   XXXX   XXXX   XXXX   account
Product: Credit card or prepaid card

After having been approved for XXXX Capital One master cards, which I did not accept, this company is now having a tantrum & permanently denying any future credit applications by stating a perpetual recently processed application, which violates the fair credit reporting act.
Product: Credit card or prepaid card

I have had this credit card since XXXX. Bank of America closed my account for inactivity which I do not believe is the case to begin with but they have closed access to my statements. My issue is with the credit history. Obliviously credit history is a major part of credit scoring. I believe this is an institutional construct to lower credit scores of long term clients by closing accounts without their knowledge. I was not notified and was told I was told that they mailed my new renewal card on XX/XX/XXXX and cancelled the account on XX/XX/XXXX without notification. I find this extremely disturbing and poor business practices. I asked to have my account reopened which seems very easy but was told that is impossible. That seems like an easy fix. They immediately offered to give me a new card which would lower my credit score which they did not disclose. I find all of these reasons that are just as poor form as the XXXX XXXX incident from a few years ago. Thank you for your help.
Product: Vehicle loan or lease

The credit reporting is not accurate. This is affecting my credit score and my ability to get a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT PROFILE THAT I NEVER OPEN OR SIGN FOR.
Product: Checking or savings account

I was advised due to the type of account I had I wouldnt be charged any monthly fees
Product: Credit card

I purchased furniture from Macy 's in XXXX 2015. They offered XXXX months interest free financing. At the time of purchase, my credit card balance was XXXX. My plan was to pay approximately {$500.00} a month ( XXXX months ) to pay in full. I got my XXXX bill and sent in a payment. On my XXXX bill, I noticed there were finance charges so I called the toll-free customer service #. I was told that yes, my purchase qualified for the XXXX month interest free financing and it would take XXXX billing cycles to be corrected. I asked if the finance charges would be credited and was told yes. The next bill I received, they CHARGED my balance onto the " club '' ( interest free ) plan but did not credit the balance on the regular portion of my account. I was on the phone again ( each time, it took XXXX minutes to be connected to an actual person ). I have explained the situation to several people, been hung up on, been told that their computer system was down and they would return my call ( I have never received any calls back from them ) written and provided copies of everything and XXXX months later, the issue is still not corrected. I had made the mistake of purchasing approx. {$100.00} worth of birthday gifts for my granddaughter during this mess but paid THAT balance PLUS my lump sum so as not to accrue any interest. I have since paid off what I believed to be my balance ( all of my purchases without interest OR late fees ) and have now been referred to collections. Every time I contact them, they have no notes on my account and only try to collect a payment from me. I even wrote to them, included copies of all of my statements with a cover letter describing my problem. I received a letter back from them stating they had questions and gave me the same toll free # that is on my statement. No file #, no complaint #, nothing. I called in, it took XXXX minutes to get an actual person and then explained the WHOLE story again. Their response is always the same .... '' we will take care of it, it could take up to XXXX billing cycles ''. The last time I contacted them, I explained the whole situation over again, the service rep said " ok, I will notate that you are disputing the whole balance on your account ( which, was approx {$100.00} ). She told me ( once again ) that it could take up to XXXX billing cycles. It has now been XXXX billing cycles. My must current bill has a balance of approx {$200.00} ( almost {$100.00} of that is a current interest charge and late fee ) and they have closed my credit card account. Do they not realize that when it takes XXXX months to get something credited, late fees and interest are assessed? After XXXX, I returned a gift and also purchased something so there was another small additional charge. I did NOT want to pay the balance off in full as long as I was disputing anything because I figured, once there was a XXXX balance, I would never hear from them again. I have recently been getting collection calls and letters. I asked if there were any notes on my account regarding the balance being disputed and was told " NO ''.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. I believe it is essential to rectify these issues promptly to ensure the accuracy and fairness of my credit profile. 

I have previously contacted your agency through multiple letters regarding the following concerns : XXXX. Late Payments : There are inaccuracies in the reporting of late payments on my credit report. 

XXXX Credit Utilization : There are inaccuracies in the reporting of credit utilization on my credit report. 

3. Personal Information : The reporting of personal information such as names, addresses, phone numbers, and employers is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information.

4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information. 

XXXX. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ).

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ).

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ). 

XXXX. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with XXXX, Equifax, and XXXX. 

XXXX. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested. 

XXXX. Correction of Personal Information : I request the correction of personal information to reflect only one name on my report ( XXXX XXXX ), one address ( XXXX XXXX XXXX XXXX XXXX TX XXXX ), one phone number ( XXXX ) and no employers. 

XXXX. Deletion of Personal Statement on XXXX, Equifax, XXXX Report : I request the immediate deletion of the personal statement on the XXXX, Equifax, XXXX XXXXnsumer report and the balance of credit scores.

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in XXXX, Equifax, and XXXX systems concerning my consumer report. 

XXXX. Compensation : I request {$1000.00} per violation in accordance with applicable laws. 

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

Sincerely, XXXX XXXX
Product: Mortgage

On XXXX XXXX, 2014 we submitted all of our paperwork for a loan modification on our mortgage. We believed this to be the quickest and least costly solution to a foreclosure law suit that has drawn out for years. Our attorney prepared our documents and sent everything to our lender Nation Star in a timely manner. I was told by my attorney that it would take roughly 60 days for the banks to review the paperwork. It has since been 10 months since we submitted the documents and Nation Star has yet to confirm they have even received our packet. Our attorneys have sent several copies via certified mail with confirmation however our documents have yet to be reviewed. Because of the incompetence of Nation Star I have incurred thousands of extra dollars in attorney fees to continue this process. It was my understanding that a loan modification was the best way for both parties to come to an agreement on this drawn out case, however that has not been the case. I feel as though I have been taken advantage of because the banks have the money and power to continue dragging this out while my funds keep exhausting. My biggest fear is that Nation Star continues dragging this out and I will no longer have the ability to retain my attorney causing me to ultimately lose any chance I have to save my home. My case is now set for trial due to how many months the case has been stale with no progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently found some inquiries that arent mine on my credit report
Product: Debt collection

The company, Credit Corp Solutions is calling me at my home multiple times per day even after I speak with them. I have told them multiple times Ive lost my job, I have nothing/no ability to pay them in every spare dollar I have are going to essential needs. I have explained the situation to them repeatedly and I understand that they will periodically want to call. But they have increased their calls as if to attempt to harass me and are now telling me causal stop if I Simply commit to an agreement with them. They are a collector and not a company I have engage with for business. They say they represent my credit card company but have provided me with no proof of that. They are increasing my XXXX my phone will not stop ringing with their calls and when I block the numbers they called from new numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to trans union, XXXX and XXXX by mail for a dispute on XX/XX/XXXX regarding inaccurate information on my credit report that was report by XXXX XXXX XXXX I advise them that I was not responsible or liable for any charges presented on my I was told that the apartment was moving ready up on my arrival I walked into a partially clean property theres trash and breeze in every room the walls werent even painted there were cobwebs in the XXXX XXXX unit did not work at all there was a huge issue for me and my children myself the humidity and heat was triggering XXXX symptoms for my children I sent communication several times to the company and they did not respond they left me no choice but to find another place add this went on for three weeks off I reached out to the landlord numerous times so I decided it was time for us to move we was only there for three weeks but did not have any air and it was over XXXX in the house I even advised her that I was not going to get the electricity switched over until they had it fixed the walls were never done painting and this is how it looked the day that I moved in I have sent Trans Union pictures I sent them the day that I signed my new lease and the invoice that was sent to me the information thats been reported is an inaccurate she said I moved out XX/XX/XXXX my new lease shows XX/XX/XXXX A receipt was sent to me for {$2800.00} the information from the debt collector had a different amount on there which was {$2900.00} She charged me the damages to a wall that wasnt even painted and I sent all of this proof over to Trans Union and Trans Union sent me a letter and XX/XX/XXXX stating that the information was valid so I called Trans union XX/XX/XXXX and ask them how is the information valid when I sent over proof why is it not delete it off my credit report and the guy from Trans Union told me that it dont matter what documents that I sent in if the debt collection agency states the debt is valid then its gon na stay on account until they remove it and I kept asking him how because all information have to be reported accurate and I was told sorry maam theres nothing that we can do unless the debt collector remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, or benefit from the above-mentioned inquiries and I ask that they be removed immediately from my credit file : 1. XXXX  XXXX  XXXX  on XXXX ( XXXX ).
Product: Credit card

For recent months I 've rec 'd bills from XXXX that include {$75.00} late fees. This month XXXX rec 'd my bill on XXXX XXXX ( though the statement date is XXXX XXXX ) and it 's due XXXX XXXX & they say it can take 7 days to process payments once it 's rec 'd at their processing center. I 've called about this before and they say that I should access my bill online and pay online to avoid late fees but I wonder if they should n't give sufficient time to allow consumers to pay by check after receiving the hard-copy of the bill? And, if they choose not to that, should n't the late fees be reasonable? {$75.00} late fee on a single {$34.00} gas purchase is robbery. And, If they continue this practice, should n't the disclosure literature include a statement that there is no way a mailed payment will make it on time if they are allowed to take so long to process it once they get it and that they will not send the bills in a more timely manner and that the fee is now {$75.00} not the original ( also high ) {$35.00} that is was when I signed up for the card?
Product: Vehicle loan or lease

I had a tough time paying my lease payment lease due to transitioning into a new job role. I tried reaching out to the leasing company to rectify the situation, but to no avail. Most late payments were 30 days.5 times in XXXX, 5 in XXXX and once in XXXX ( 11 total out of 36 months )
Product: Checking or savings account

I have not deal with XXXX XXXX. Please check my account activity for the past two months while the money from my checking account going to XXXX XXXX. I purposely did not try to use my card as much as I try to save money in my checking account for my start up business. This is very frustrated as I got charges for the fraud {$22000.00}. I did not aware the money was going out from my checking account as I didn't get any confirmation code or authorization code. How can this large money go out from my checking account without my awareness? I received an email from wells fargo that my account is below {$100.00} so when I logged in, I found several charges totaling {$22000.00} have sent to XXXX XXXX. I called and claimed fraud for those charges. Wells Fargo keep insisting authorized charge and I have not nor dealt with XXXX. Please save me.
Product: Vehicle loan or lease

XXXX Data Breach left me in financial Rouin. I can't apply for anything with out getting denied. This gross negligence of my consumer information has devastated my world and my finances. Even my Health.  I know have XXXX XXXX, XXXX, XXXX, and XXXX all due to XXXX Data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received updated copies of my XXXX and TransUnion credit reports. I noticed a collection account on both of them upon review. 

I have no knowledge of the apparent Collection Agency ( XXXX XXXX XXXX ) or the Original Creditor ( XXXX XXXX XXXX XXXX ). According to my Credit Reports, this debt became delinquent on XX/XX/2019. 

I am providing a copy of the letter i forwarded to the Collection Agency requesting validation of the debt in addition to other things necessary for me to ascertain the validity of such.
Product: Debt collection

I just received my credit report and noticed unauthorized items they shouldnt be reporting to my credit profile. These have been rough times during these hard times