23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan out in XX/XX/XXXX from CareCredit to pay for my Invisalign at my dentist in XXXX Oklahoma. I had two year to pay off or I would be charged interest on the {$5400.00} I got the loan for. Well XX/XX/XXXX comes around and I didnt pay it off so I shouldve got charged interest of {$1400.00} ( which is the interest rate at 26.99 % of {$5400.00} ) Instead Im getting charged a total interest of {$2900.00}. They told me that Im getting charged from the beginning of my loan a daily interest charge on top of that which makes no sense! Thats is 45 % of the amount I paid for my XXXX!! They kept telling me that they got that amount on daily percentage rate but my loan was supposed to be fixed at me paying 26.99 % on my {$5400.00} loan if I didnt pay it off in two years!!!! Im am so mad and Ive called twice for them to say there is nothing I can do!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I sent a total of six validation requests but I never received a response from this company. My initial request was on XX/XX/2021 but nothing has been done. 

They are reporting an inaccurate account with both an " Open '' and " Closed ' status. This doesn't make any sense and it's been months like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) has incorrect information on my credit report and it is affecting everything. I have tried for 1 year 6 months to correct this problem. I have spoke with at least 15 XXXX  XXXX XXXX employees and they each tell me they 're going to help but to date nothing. The local branch in XXXX, MA stated to me I was correct and never had a line of credit with them. They have no paperwork. My father, whose name is same, except he is XXXX did have a line of credit. They ( XXXX ) stated they would have it come off my credit report. It has been 1 1/2 years later and still no help. I recently tried to get a loan and because of this incorrect and wrong credit reporting by XXXX XXXX XXXXXXXX, I can not get a loan. This is RUINING my credit. They state I had a line of credit with them and I never had a line of credit with them. My father ( who has same name ) did have one with them. I had a loan from XXXX XXXX XXXX for my camper and it was paid on time and in full to XXXX XXXX XXXX. I have written letters, I have done everything ( XXXX ) has asked me to do still no results. It started back in XXXX, 2016 I went to get a personal loan and it came up I had a line of credit with them and defaulted by bankruptcy. Neither of which happened with my me and my credit. This problem on my credit report is ruining my life and they have promised to help and all I get is a big run around are not helping me at all. The local branch said they would help and give them 30-60 days to have it removed, but here we are over a year later and it is still on my report. I am at the point where I will have to hire someone to help me and it will cost me more money to straighten this mess out. BOA has been no help and as of today 's date, it is still on my credit report. Any help is greatly appreciated.
Product: Debt collection

Axos bank called multiple times after XXXX XXXX, and multiple times per day from XXXX to XX/XX/2022. They were notified of this multiple times, and never communicated back or placed me in contact with legal or compliance. I have screenshots and documentation submitted directly through their portal that has been ignored. It appears a lawsuit is the next step.
Product: Consumer Loan

When the lease agreement with Toyota Motor Co. ended XXXX XXXX, XXXX, I chose to purchase the XXXX XXXX XXXX, & TMC received payment from XXXX XXXX XXXX by or before the XXXX date. As of today ( XXXX/XXXX/XXXX ) Title for the vehicle, naming XXXX as lien holder, has not been received. As a result, when the registration expired in XXXX. I was unable to register the vehicle, so I am unable to drive my car. XXXX was, and is still, expecting to see the Title & has been co-operative, so far, while payments to them have been timely. Numerous contacts to TMC, beginning early XXXX, have been made, & each time I have followed the advice of the representative & in return, advised them of the pending registration end date. A lien release was sent to XXXX, KS XXXX XXXX. XXXX KS DMV has joined in contacting TMC regarding need for Title-not a lien release. I was informed on my last inquiry ( XXXX ) that the title had been sent to both the DMV in XXXX, KS & to me at the home address on XXXX XXXX. Neither I nor DMV have received the much needed Title. When I asked if TMC had overnighted the Title, I was told it went out in the regular mail. I also requested, during that same phone contact, a written explanation & apology from TMC-not received-no surprise! XXXX holiday may have caused some delay, but almost 2 weeks-unacceptable! When I phone TMC today, I will tell them I have filed this complaint in the hope that CFPB can get resolution to this frustrating & unnecessary delay.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 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 before that the information is inaccurate.

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.
Product: Credit card or prepaid card

I have been trying to use BBVA Compass mobile application and online web many times this month and I'm not able to login neither contact support to fix the login issue, every time exercise all of their options never worked, I have sent a letter of making reduce payments because I lost my job several months ago and now working at a reduced wage at another job ; since then their mobile banking won't take login information neither ways to successfully reset the login information it always says service temporarily unavailable for several months, same happens on the computer just says you have been " signoff '' and it don't give you access to any resource to " re-establish '' the login information. Several months ago visited a local branch here in XXXX ( XXXX one ) and their representative installed the app on my cell phone but did not want to use my regular email I use for all other accounts she wanted a special separate email for the BBVA Compass app, told me the account was not longer active and they were just taking payments. 
Obviously BBVA Compass does not want to work with me in any way, so I want your help to close this account permanently and just continue making payments to the account and I can't commit a fixed amount to this account since I have more important accounts to take care of, so don't want/like waste my time with BBVA Compass, just not worth the time spent with them. I want to continue making payments as I can.
Product: Mortgage

As I had previously written, I continue to review my mortgage and the eventual foreclosure. After Wells Fargo sent me back the check for the XX/XX/XXXX mortgage payment and refused to accept further payments, I began to search for an expert in the field of mortgage fraud, which turned out to be XXXX XXXX, owner of XXXX XXXX. XXXX is well known to Wells Fargo. Please see the attached credentials. Soon after receiving her Mortgage Serving Analysis Report, I could not review the report at that time due to personal issues. 

Since my situation has now stabilized, I have completed the review of the report. For the very first time in Wells Fargos recent letter dated XX/XX/XXXX, they indicated that my payment problem which resulted in foreclosure was between XX/XX/XXXX and XX/XX/XXXX. They wrote as follows The account was referred to foreclosure on XX/XX/XXXX, at which time you were due for XX/XX/XXXX through XX/XX/XXXX payments. Attached is a copy of the report showing the dates I supposedly had a payment problem. As you can see, there was no payment problem, as my payments were current and were the correct amount. Wells Fargo posted my payments. You can see the dates on the report as well. Accordingly, there should not have been a foreclosure. This appears to be a deliberate mistake. 

When I discovered there was a consent order created for the purpose of settling errors and mistakes, I knew that what they did to me and my family was more than just a simple mistake. Since there is a pending consent order, Wells Fargo needs to make me whole and has to compensate me for the severe damage to me and my children within the context of the consent order. 

Files attached : Report pages 1-10, Credentials See report page 5 of 6.for payments XX/XX/XXXX to XX/XX/XXXX XXXX
Product: Student loan

When i was in defualt i was called and said if i do the rehabilitation program it would remove all information regarding my past negative student loan information reported to all XXXX credit agencies. The guy on the phone insisted this would happen and siked me all up about it i did default on my loans from nelnet. And now navient purchased my loans. And neither one is claiming anything would be removed only tge status will change to transfer. 

This is really misleading. I was under the assumption this would be removed and a year later still there. I think they need to stop promising this to people and get there money when they get there money. Im still paying everymonth on time but its just making me want to say forget this get your money when I die. I have other larger problems like taxes i have to take care of. 

Something should be done they should not be able to say that to people. I was hoping it would better my financails and i could get a good interest loan to help consolidate my debt then eventually buy a house some day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

I want to join the lawsuit against Capital One that was just announced on XX/XX/XXXX by the Consumer Financial Protection Bureau, as myself and many of my family members were misled as Capital One illegally deceived consumers and Capital One, N.A. violated the Truth in Savings Act by representing that XXXX XXXX provided a variable interest rate that was XXXX of the nations top, best, '' and highest, and would earn much more interest than the average savings account. Capital One misrepresented to existing customers that its XXXX XXXX account was and would be its only XXXX high-interest savings product with the features, terms, and conditions of XXXX Savings and obscured from those customers its newer, much-higher-interest XXXX XXXX XXXX accounts, which otherwise XXXX XXXX the same terms, conditions, and features of XXXX Savings. Capital One used XXXX XXXX XXXX to attract new depositors without paying existing depositors the interest they were promised. Please let me know how my family and I can join the lawsuit against Capital One. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency :, XXXX, XXXX, & XXXX ( XXXX XXXX  {$2200.00} ) {$770.00} XXXX 's ( {$590.00} ) XXXXXXXX XXXX ( {$1900.00} ) XXXX  ( {$240.00} )
Product: Checking or savings account

On XX/XX/XXXX I opened an account with Citibank for the sole purpose of holding security deposits for a rental property. I told Citibank that this was the purpose, that is, I did n't need any extra services for this account other than to hold the money and to write a check to outgoing tenants, which would happen at most twice a year. I requested, and was confirmed, that there would be no service fees on this account, in part because of the purpose/needs of the account and in part because I have been a long-time customer of Citibank that usually maintains a somewhat large balance in my main checking account ( currently $ XXXX, but over the years has been more or less than that ). 

The bank clerk signed me up for a Citigold account, which unbeknownst to me carries with it a $ XXXX/month service fee. I admit I should have been more vigilant about checking up on this, but I 've always had a good experience with Citibank, and had no reason to suspect they would do anything other than what they said they would do. In addition, because of the purpose of the account, I had no reason to check on the activity of that account. 

It was n't until about two and a half years later ( approx XX/XX/XXXX ), when I was getting ready to write a check to some outgoing tenants when I checked the balance and noticed that it was much lower than expected. 

I have contacted Citibank in person twice, on the phone two or three times, and written them mail about a dozen times. I will sometimes be offered relief on the fees going back four months, but they claim to be unable to do more than this. They will often tell me to contact the customer service center ( by snail mail ) but this has been the least fulfilling ; the responses usually indicate superficial comprehension.
Product: Mortgage

Filled out 8 Loss Migration packages. All completely. Freedom mortgage kept needing paperwork. This been going on for 7 years. They foreclosed my house and I was put out. Now I have XXXX XXXX and XXXX due to Freedom Mortgage with no place to live
Product: Debt collection

RMP services has sent a medical bill to XXXX before 6 months by the old law but definitely not following the new law passed XXXX XXXX, which states you have 365-days from when the collection agency ( RMP ) has received the original debt XXXX XXXX XXXX XXXX RMP received this debt on XXXX XXXX, the medical treatment was on XXXX. If that is my bill cause I didnt receive an itemized bill from them. RMP turned that medical debt into all three credit companies, XXXX, XXXX and XXXX, on XX/XX/2022 that is two months after they received the original debt. XXXX and XXXX are the only ones reporting this. Ive received out but getting no where. This is really affecting me cause Im in the process of buying a home. I just want my time that by law Im entitled to. Thanks
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed somethings are incomplete and not accurate and according to the fair reporting act whenever consumer reporting agency prepares a consumer reporting it shall follow reasonable procedures to assure maxima possible accuracy of the information concerning the individual about whom the report relates this account XXXX XXXX account number XXXX is not accurate XXXX XXXX XXXX account number XXXX account not accurate. XXXX XXXX Account number XXXX is not accurate.XXXX XXXX XXXX XXXX XXXX XXXXXXXX not accurateXXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX not accurate.T-Mobile amsher collection Account number XXXX not accurate, inquiry credit XXXX bank XXXX Inquiry capital XXXX in a XXXX 2024 Inquiry informative XXXX 2024 inquiry not accurate reporting identity theft report has been sent to XXXX Trans Union XXXX XXXX
Product: Checking or savings account

My account been frozen since XX/XX/XXXX I received a call XX/XX/XXXX for the first time about my account, I was told that my account would be accessible XX/XX/XXXX still no change or no call. I been operating my business since XXXX with this account this have never happened. Capital One has never done this before and now my business is suffering I just had to pass on a XXXX dollar contract because I dont have the funds to operate
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

Tried to transfer several XXXX XXXX dollars from Capital One bank 360 Checking account to a savings account with XXXX XXXX XXXX in order to be able to make a wire transfer for the full amount to the mortgage company holding the mortgage on our home. Had to proceed with this because Capital One was unable to process a wire transfer for the full amount in a single wire transfer. The money was debited from the Capital One account on the day of the transfer, XX/XX/XXXX, but was never transferred to XXXX XXXX. Because I am unable to wire the money to the mortgage company I am accruing interest charges on the mortgage at the rate of hundreds of dollars/day. 
I had another transfer from the same Capital One account on XX/XX/XXXX to my XXXX XXXX  account for a couple XXXX XXXX dollars and that transaction was completed. I did another transfer from my Capital One 360 savings account to XXXX XXXX account on XX/XX/XXXX for over {$100000.00} and that transaction has been credited to the XXXX XXXX account. 
There have been several other smaller transactions from my Capital One 360 checking account that have been completed.

Why are some transactions being completed and others not? How can I get compensated for the extra interest being accrued because of Capital Ones issues?
Product: Credit reporting

Trans-union had a glitch during XX/XX/2017-XX/XX/2017, in where all my XXXX inquires were removed, and re added, of which my score took a dump, trans-union will not admit the glitch, but I have screen shots from the glitch, they did not notify me of the glitch of which by law they had 5 days to notify me. So for failure to notify me by law I want all inquires removed from my credit report. I am un-able to upload have no scanner but can fax if you answer me with a fax #, and a name to send it to.
Product: Credit reporting

This third-party credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share information to 3rd party agencies or data mining companies. This third-party credit bureau improperly pulled and/or purchased information from other third-party agencies, known as data mining companies. Therefore, it MUST be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently check my credit report on XX/XX/2021 and notice that Transunion was reporting some inaccurate information concerning tradelines, name, address, and job also XXXX  is reporting inaccurate information with my name, address, and job that needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I have already called you guys and talked about a recent frad activity but why am i seeing a charge back? is there some sort of mistakes? for this transaction? Posted Transactions XX/XX/21 XX/XX/21 XXXX XXXX XXXX # XXXX {$290.00} this is not mine transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

I came to because the credit company failure to follow the law,15 U.S.C 1681i ( a ) Reinvestigate of disputed ( I ) Reinvestigation information " Notice is of results of reinvestigate ( A ) In general a consumer reporting agency shall provide written notice of the results of a reinvestigation the company Experian failure to follow this law.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX