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

When my loan was first created I had to contact them about information that didnt add up. Mainly my APR rate. My loan paperwork that originally signed gave me a rate of 11.9 however after having it calculated numerous times it is actually at 12.34 percent. What made me catch in to this is that when I bought the from XXXX XXXX  XXXX they lied about my credit score to help boost my APR in the first place. When I called them to try to straighten the issue out, they kept asking me if I wanted them to pick up the vehicle that the loan was for. I explained that I have made all my payments and I would like my issue fixed. There idea of a resolution was to take my car and default on the loan. This happened one month after receiving the loan, date was XX/XX/XXXX. They are also missing multiple payments in my statements for the first few mo tha of my payments to help them better cover up my actual interest rate. I have called and asked for all documentation at the same time of XX/XX/XXXX, which they refused to give me stating that it was all inside my account online. Which it is not.
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports and it shows unverified and fraudulent item that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX Balance : {$690.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Mortgage

I understand Rocket Mortgage can pick and chose who they provide mortgages to. My complaint is about the way Ive been treated through the process of applying for a refinance cash out on an existing loan with rocket mortgage. My loan with rocket mortgage is at 3.375 %. I understand that to refinance the interest is going to be higher. However Ive been getting my credit pulled with out the process going forward to determine if the loan will be approved. The problem is the loan officers wanted my XXXX  tax returns however I have not completed my taxes due to time. Since I am owed a refund im able to file at any time. Ive offered all 1099s which is all thats received for taxes. Ive excepted either a denial letter or confirmation of the loan being processed. I have not been allowed to have my application submitted to the underwriter. 

Also in the last 6 months to a year Rocket Mortgage has played games with my mortgage saying that my escrow is low. When I switched my insurance I was not informed by Rocket Mortgage that any refunds provided may need to be provided to ensure that the escrow account is paid in full so when the XXXX renewal date returns youll need to be paid up evenly. They kept playing games till my payment were almost {$1700.00} a month. At this time I canceled my principal only payment to reduce my principal at a quicker rate. 

Now ROCKET MORTGAGE had no problem with my payment being {$1700.00} a month, without reaching out saying if you received a refund we can apply it to escrow to stop your payments from increasing. Nor are the loan officers willing to submit it to underwriting for an approval for a refinancing with a cash out option. My reasoning for the loan is to get my debt paid off and remodel the inside of the house. But with loan officers picking and choosing who is presented to the underwriters prevents the loan from being approved or denied.
Product: Debt collection

My credit shows that in XX/XX/XXXX, there is a debt collection of {$620.00} on my SSN, owed to National Credit Systems, with the original creditor XXXX XXXX XXXX XXXX XXXX. 
First of all, I never lived in that apartment, nor have I visited it. 
Secondly, this debt collection occurred before I received my social security number ( I received my SSN in XX/XX/XXXX through my employer ). 

I contacted the company in XX/XX/XXXX, and an employee at XXXX XXXX XXXX received my call, and couldn't do anything about it. They confirmed that they managed that property XXXX XXXX XXXX XXXX during that period of time.
Product: Debt collection

Capital One Auto Finance has called me every day since XX/XX/XXXX. I have never had a loan with Capital One. I need these hararassing calls to stop. It's a robocall, so I can never speak with a person. The call comes from XXXX. 

I called Capital One Auto Finance to get them to stop these harrassing calls. But you must either enter an account number, which I don't have because I don't have a loan with them. Or leave your Social Security Number, which I will not do. They would likely look up an account with the SSN and I don't have an account. You can not talk to a representative. If the voice system does not recognize your account number, they simply say goodbye and hang up. 

I have written to the company. I continue to get calls. 

I blocked the number but they are still able to leave a message and so my mailbox fills up because I don't get a call nor do I get a notice of a voice mail, so at first I didn't even know I had to go in and delete their messages. 

I was forced to get a new phone number in XXXX when I switched cell phone carriers. Yes, I know there's a law that says you can keep your cell number, but apparently that law doesn't apply to XXXX XXXX XXXX. Shortly after XXXX XXXX XXXX would not release my old number to my new carrier, and I got a new number, these calls began. I assume the number they're calling ( now my number ) used to belong to someone who owes them money. 

I would appreciate any help to get them to stop calling me. This feels like harrassment!
Product: Credit reporting

I had a XXXX credit card opened in XXXX with a/c # XXXX I had a job lay off in XXXX and a foreclosure because of that in XXXX. I was working with an attorney and somehow i was given wrong information at that time and i added the credit card account also part of the process. It was charged off in XXXX. Based on understanding from previous research, XXXX settled with Federal govt. and agreed not to proceed with any further collection efforts. I was sent a XXXX and balance of XXXX was reported as income and i paid tax on this amount. However, XXXX is still reporting this to credit agencies as Amount due, and the current balance is showing as XXXX I have been trying to contact XXXX multiple time and have been forwarded to different groups and call centers without resolution. Here are the details below for the calls today XXXX/XXXX/XXXX, after i got the latest update from Equifax that, XXXX verified the past due amount on XXXX/XXXX/XXXX as XXXX Called XXXX at the no given by the Credit Agency - Equifax as the contact details XXXX, DE-XXXX XXXX Was asked to contact - XXXX Talked with XXXX XXXX ( ID ) Confirmed the a/c no is XXXX Got transferred to XXXX XXXX ( ID ) Was advised to contact XXXX XXXX XXXX She transferred me to XXXX XXXX ( ID ) She advised to contact XXXX XXXX XXXX Got disconnected Please find aatached the XXXX form from XXXX. Kindly help
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXXXXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report XXXX and Equifax from XXXX XXXX XXXX XXXX that was settled in court. As part of the settlement this account was to be removed from my credit report. XXXX  removed the account but XXXX and Equifax will not. I realize this account has little impact on my credit score but it is the principle that counts to me. 

I worked for XXXX XXXX at the time and they filed bankruptcy and I had to take an {$8.00} an hour pay cut with zero notice. My car got repossessed, I almost lost my house and I had to sell many of my possessions to make ends meet. But I never filed bankruptcy, I paid all my Debts. Its been 12 years and it is still impacting my credit. 

Why is it that the people who filed bankruptcy or simply just walked away from their house have better credit than the people who weathered the storm and paid their bills. 

I ask that you please remove this Item from my XXXX and Equifax credit report thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize accounts and inquiries on my credit report. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Product: Credit reporting or other personal consumer reports

This is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Product: Credit card or prepaid card

On XX/XX/XXXX I mailed a check in the amount of {$2700.00} to Macy 's XXXX XXXX , to be paid towards my credit card balance. For 3 weeks I waited and they told me they never received it. On XXXX XXXX 2017 I  called my bank and they said Macy 's cashed the check on XXXX XXXX 2017. It still did not reflect on my account. So I called Macy 's to ask where my money went and they said they 'll need a form faxed from the bank to confirm payment. The bank faxed the form and I called Macy 's back to see if they received it. They said they 'll need to investigate and it could take up to 2 billing cycles ( 2 monthhs ) to get it corrected. I severely needed this check to go through to Macy 's as soon as possible and now they are at fault and not taking proper measures to ensure customer satisfaction.
Product: Credit reporting or other personal consumer reports

XX/XX/year> : There is a XXXX  credit card that does not belongs to me on my credit report provided by Experian. I made a phone call to BoA and they said I don't have any accounts with them. So, I disputed for a wrong credit card of XXXX. However, Experian says their information is correct and will remain. 
XX/XX/year> : I disputed again for this wrong card. The same results here.
Product: Mortgage

My wife and I are behind of payments, and we try to pay split but the mortgage company is not accepting split payments anymore because there is XXXX behind payments that we couldn't pay. this situation is happening because we got covid and both of us couldn't work. so right now we own {$15000.00} dollars to the mortgage company, we needs some help because we can lose our home, and we don't want that happen. we didn't know about this federal application that the government could help us.
Product: Student loan

American Education Services claims in a previous Complaint that they have provided reasons for all the complaints submitted to the CFPB. 

AES is deflecting their criminal actions by trying to blame the consumer for their negligent behavior. These people who respond to these CFPB complaints are not doing their jobs or investigating anything properly. They are simply speaking to their superiors who are probably embezzling funds or are involved in some sort of drug operation which is meant to bankrupt the average everyday taxpaying American. When the company can not even admit that recording phone calls in Pennsylvania without the other party 's consent is against the law, the period of denial is now pathological deceit. 

If AES can not follow the Wiretapping Laws in Pennsylvania, then AES will likely end up paying a district court for willingly breaking the law for failing to obtain the necessary preparatory technology to not record consumers when they have already made several demands for them to not record the calls. Recording Phone calls in Pennsylvania without two-party consent is illegal. AES is being put on notice to cease and desist with all recordings for any future calls I may make to AES. Failure to do so will create more evidence that may be brought against AES for being negligent in abiding by the Pennsylvania Wiretapping Law. 

CFPB Complaints will be consistently made until AES can rectify their unforgiveable behavior and offensive degradation of duty. These will also be used as pieces of evidence which are currently being built against AES to prove to the judicial auspices that corrupt individuals can still be found employed at AES and within the board of those financial overseeing companies. This is called a conflict of interest.
Product: Debt collection

My complaint is with XXXX  I received a modem fromt XXXX Once I returned the wifi modem to XXXX  who was over charging me, XXXX states that they didn't receive the wifi modem. 
I have a receipt from XXXX  showing that I mail it back to them. They starting over charging me I called and asking why nobody fixed my billing I pay last month it XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The full amount the month but take out my number from XXXX  because XXXX continues to charging me for the modem and started over charging me after trying to resolve this matter with them I stop paying them thay put my account in collections I have all my receipts and my bill was paid in full in {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00}
Product: Mortgage

In preparation to close on my property on XX/XX/18, I requested a payoff statement from Reverse Mortgage Solutions ( RMS ). It was emailed to me on XX/XX/18 indicating a payoff balance of {$120000.00} that would be good thru XX/XX/XXXX. 

Without notifying me, RMS sent payoff information to XXXX XXXX with an additional fee of {$540.00} added. I contacted Customer Service at RMS to ask why and was told I was in default. The rep couldn't tell me why, thought it might be an appraisal. When I told her there had been no appraisal, she next said I was in violation because I had not returned the occupancy verification letter. I told her I had, and she put me on hold, at which time the call was disconnected. 

I called back again and spoke with a different customer service rep with whom I had to start completely over. She told me that my letter had indeed been received, but that she still could not tell why I was in default. She said someone would be in touch with me by the end of the week. I asked if it could be taken care of sooner, as my closing was occurring Friday morning. She suggested transferring me to a supervisor, to which I agreed. Instead, I got someone's voice mail, on which I left a message at XXXX XXXX on XX/XX/XXXX requesting a return call. It is now XX/XX/18 and I've received no return call. 

I next sent an email ( also a fax ) on XX/XX/XXXX detailing my efforts to clarify this issue in which I requested a response. Again, it is now more than a week later and I've received no response. I have attached the text of this email. 

My closing officer at XXXX XXXX called RMS customer service on XX/XX/18 and learned that RMS had indeed received my correspondence, that my case is under review and appears to have some problem about insurance. 

Having heard nothing, I sent an email on XX/XX/XXXX requesting an update. No response.
Product: Credit card

I have no knowledge of this account and did not authorize the opening of this account
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX XXXX, my deposit should have been made available in my account on the morning of Friday, XX/XX/year> after a XXXX delay from usual time of deposit. As of XXXX on Friday, XX/XX/XXXX, this deposit has still not been made available to me. XXXX XXXX has cited technical issues, which may violate the Electronic Funds Transfer Act ( XXXX ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a recent review of my credit report I discovered XXXX XXXX issued late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

At the time I was living at : XXXX VIA XXXX XXXX, CA XXXX and the State of California issued mandatory stay at home orders starting XX/XX/XXXX and I was laid off from my job at XXXX XXXX XXXX. These mandatory stay at home orders were in effect until XX/XX/XXXX and I never regained my previous position at my employer. 

I am seeking to have these late payments completely removed from my credit profile due to government mandated lockdowns and the loss of my job because of it. 

I will include my account number with XXXX  XXXX on the attachment.
Product: Debt collection

On XX/XX/2021 I canceled our XXXX XXXX account and switched to another carrier due to : contract was expired, XXXX breached our contract, and by making changes to our plan that was done without our approval or notification and absolutely horrible customer service. I made a final payment in XX/XX/2021. 
XXXX continued to charge my Wife 's XXXX XXXX on the following date : XX/XX/2021 for {$260.00} XX/XX/2021 for {$260.00} XX/XX/2021 for {$260.00} XX/XX/2021 for {$26000.00} On XX/XX/2021, I spoke with a XXXX representative name XXXX, pronounced " XXXX. '' He was very professional and courteous. After gathering my information and researching our situation, he was able to credit the above fraudulent charges back to my Wife 's XXXX XXXX. I have copies of my Wife 's credit card statement showing the charges were removed and XXXX added them back to my Wife 's card. 
I have received numerous harassing phone calls at home and at work. XXXX then turned over the above amounts that included penalties and interest to multiple collection agencies.
Product: Checking or savings account

I charged a deposit for a stay at the XXXX XXXX XXXX in XXXX XXXX NJ. On XX/XX/XXXX I charged a deposit of {$720.00} to hold my hotel stay for XX/XX/XXXX. Due to COVID-19 I have to push my stay until XX/XX/XXXX. My family has decided because of COVID we were going to cancel the reservation. The hotel was fine with it and refunded my money to the debit card I used to make the reservation ending in # XXXX. The problem is that sometime between that charge and now I lost that card and a new card with a new number was issue to me. The new card and the card ending in # XXXX were both attached to my same bank account ending in # XXXX. However, because of the amount of time between the card being lost and now the card is no longer attached to my account # XXXX. The hotel is unable to refund any other card and the bank is unable to retrieve the funds from the old card because it has been too long according to them. So I have a hotel that wants to refund me {$720.00} and a bank that is unwilling to get me those funds. How do I get my money back?
Product: Debt collection

My credit report shows a collection from IC Systems. I have no business with them. They are not licensed in Nevada.
Product: Credit card

Bank of America misled us into believing we were paying off our credit-card balance, when we set up our recurring payments through direct-bank payments. Their recurring-payment screen that sets up these payments has XXXX options : " minimum amount due, '' " amount due as shown on the e-Bill, '' and " statement balance as shown on the e-Bill. '' We selected " amount due '' thinking this would pay the amount that we owe. Instead, they informed us that " amount due '' means " minimum amount due '' with the addition of past charges. This is not stated in their recurring payment screen nor in the e-Bill. The e-Bill merely states the accrued charges ( I tried to attach it and the recurring payment screen to this comment box, but they have too many special characters ). Bank of America arbitrarily chose a definition that would allow them to deceptively charge interest. After setting up recurring payments, they only deducted the minimum amount due. Through this deception, Bank of America charged us {$100.00} in interest ( {$38.00} for XXXX XXXX to XXXX XXXX, 2016 and {$61.00} for XXXX XXXX to XXXX XXXX, 2016 ).
Product: Money transfer, virtual currency, or money service

In XXXX I received {$500.00} via CashApp ( Block , Inc ). When I went to transfer the money I learned for {$8.00} I could transfer the money instantly for speeding up the processing time, or for no charge I could receive the money in 2-3 business days ). XXXX does the same thing. And other cash transfer apps charge instant transfer fees as well. I wired {$50.00} to friends of mine in XXXX - XXXX in XXXX and another in XXXX. I used XXXX XXXX and XXXX and they charge extra fees for faster/instant transfers. No person is required to assist. Why is this allowed? A live person is not required to process the transfer. It is done automatically by a computer. These are more excessive and unjust charges to rip consumers off. Please investigate and stop these companies from ripping us off any longer with this illegitimates instant transfer fees.