23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I never applied for a loan with this company. I first received a notification via mail approximately early XX/XX/XXXX stating my account is past due and I owe {$300.00}. I contacted the company and asked how the loan was taken out, they wouldn't give me any information without me providing social security number, address validation and I was not comfortable doing that since I know I didn't take out this loan. I told them my name and the account number that was on the invoice but was told they need the other information to get into the account. I repeated that I will not provide that since I did not take out the loan and they should be able to retrieve the information from the account number I provided. The customer service agent told me there's nothing else she can do for me then and ended the call. 

I received the second past due notice on XX/XX/XXXX, this one is in the amount of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please see attached documents and ID as it contains my full complaint and request.
Product: Credit reporting or other personal consumer reports

Equifax sent me a letter reguarding proof of identity so im sending it threw here so i have paper trail and proof EQUIFAX Is legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure accurate reporting of consumer information. I, as the consumer, have informed EQUIFAX that all the accounts reported were inaccurate. According to the law, once a Federal Trade Commission ( FTC ) fraud report is filed, EQUIFAX is required to remove the disputed items from the report within XXXX days, pending investigation,
Product: Student loan

In XX/XX/XXXX, XXXX sold my student loans to XXXX ( a Nelnet company ), who have shown themselves to be ill equipped to service loans from Day 1. While we have managed to work through the various errors that were made in processing my payments, one remains after several months of phone calls and emails.
XXXX has been reporting my account information as though the full amount that was transferred from XXXX was 100 % principal and no interest, with interest accruing from the day of the transfer. Given that these are nearly 15 year old loans, clearly this is not the case. I contacted XXXX soon after I received my statement of interest for XXXX taxes in XX/XX/XXXX. They were not able to resolve the issue, but assured me that they would work on it.
When I called to follow up, not only did I find that there had been no progress, but had difficulty explaining to two different customer service representatives that a 15 year old loan with 3 % interest would have more interest outstanding that what their statements showed.
Finally on XX/XX/XXXX, I emailed XXXX my final statement from XXXX which shows principal and interest balances. While they agreed that the amounts were correct, I was told they would need payment history from XXXX. In response to my inquiry on XX/XX/XXXX, XXXX asked for another 30 days. I have called XXXX to facilitate. XXXX XXXX response was that all necessary information had been passed on to XXXX at the time of the transfer and that they no longer have the information available.
At the pace things are moving, I am concerned that the necessary adjustments will not even by made in time for the XXXX tax season, one year after the transfer, and several hours spent writing emails and waiting on hold.
It is difficult for me to understand how a company as incompetent as XXXX is allowed to operate and how XXXX was allowed to sell these loans to such a company.
Product: Vehicle loan or lease

I have a XXXX XXXX XXXX XXXX  that I bought from a dealer with a subprime loan thru Santander Consumer USA 7 years ago. Admittedly, I had to ask for loan assistance twice due to the XXXX XXXX of my son. Thus I expected the the 3 months would be added to the end of the load. The maturity date was XX/XX/XXXX. I called to ask why there was still a $ XXXX balance and they said I still owed that amount. They would see if they could do a re-modification of the loan. They came back with an additional 2 years at {$700.00} per month. I have been paying {$700.00} per month for 7 years and can't believe I now owe this much more. This doesn't seem reasonable to pay another $ XXXX for a car that will be 9 years old and the book value right now is < XXXX. I asked them to send me the agreement and the APR is 21 %. The breakdown is still part to the principle and part to the interest. I have not signed the agreement. I am considering voluntary repossession but I know this will severely affect my credit. ugh! They are bilking people with low credit scores. I suggested that I could sell the car to XXXX for XXXX if they would accept that as a payoff and they refused and told me to trade it in towards another car. I am almost XXXX years old and don't want another car payment. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT IS A PART OF AGGRVATED IDENITY THEFT. I DID NOT APPROVE OR AUTHORIZED THIS ACCOUNT.
Product: Mortgage

I obtained the mortgage from RocketMortgage ( then Quicken Loans ) in XX/XX/XXXX. The escrow portion was used based on historical tax payments -- correct and obvious. In early XXXX, I qualified for a homestead exemption for my county ( XXXX, GA ) which I knew was likely. I also qualified for a senior exemption which I didn't know existed. Those two exemptions reduced my county taxes by nearly $ 3000/year. I notified Rocket then, and I was told that they couldn't make the change in the first year but as soon as they made the first payment at the reduced level, they could make an adjustment. That happened in XXXX of XXXX. Then I was told they would review the change in XX/XX/XXXX and adjust accordingly. 

They just issued a refund of $ 2900+ for XXXX. However, the escrow amount they have proposed has increased rather than decreased. I complained and was told by " XXXX '' -- assuming their online customer service names are even real -- that they had no evidence that the lower rate would stay in place for this year. 

They are either extraordinarily incompetent or are intentionally over charging me. Paying back the money a year later with no interest in unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, Upon obtaining a copy of my credit report, I noticed there are inaccuracies being reported. I reached out several times to get these inaccuracies removed. I would appreciate the following items being investigated as soon as possible. According to the United States of America Fair Credit Reporting Act. My rights are being violated. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1681 section 604 A. States a Consumer reporting Agency can not furnish a account without my written instructions. 
15 U.S.C 1681 section 604 A. I have never had any credit transactions involving these consumers. 
XXXX XXXX XXXX : Acct XXXX. {$2000.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX {$920.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX. {$3300.00}. XXXX XXXX 
XXXX XXXXXXXX XXXX : Acct XXXX. {$2400.00}. XXXX XXXX 
XXXX XXXX XXXX XXXX : Acct XXXX {$13000.00}. XXXX XXXX 
XXXX XXXX : Acct XXXX {$460.00} XXXX XXXX 
XXXX XXXX XXXX XXXX : Reference # XXXX Year XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report dated  X/XX/2017    and   XXXX     I noticed that  Capital One w as reporting information incorrectly. On   XXXX   XXXX    Capital o  ne  reported that my pass due amount was {$160.00} as of   XXXX   XXXX     and on   XXXX   XXXX   they reported as passed due {$190.00} as of   XXXX   XXXX    . This is less than  XXXX  hours. They also stated on both reports that there was no recent payment which was incorrect. This shows th at Cap  ital One ha s falsely reported information to the bureaus concerning my account. Since this is falsely reported I request that this account be removed from all credit reporting agency in violation of the FCRA by misrepresenting the amount owed or due. This also violates SC Law section  37-20-110. I have attached copies of recent payments made to Capital One and the reports that were received.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an extension to the previous complaint I have submitted. Below will be a proper list of inquiry names and dates that I demand to be removed/deleted from my credit report. my rights have been violated, In pursuant to 15 USC 1681 section 602 A, I have the rights to privacy along with 15 USC 1681 A section 2, a consumer reporting agency can not furnish an account without my written or oral consent/instruction which I did not give. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the customer financial protection act specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Being XXXX XXXX XXXX I opened a Capital One the 360 Savings account as it having one of the nation 's highest interest rates. However this was misrepresented and failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit card or prepaid card

XX/XX/XXXX, I went to Citizens Bank to make a {$310.00} withdrawal. The teller told me I was preapproved for a credit card but I declined the card repeatedly and told the teller I just want to get my money and leave. While there, I also realized that I didn't update my address. I told the teller my new address and then asked for my money. When I was trying to sign for my money and leave, I realized that I was signing up for a credit card because the statement read, " I authorize signing up for this credit card ''. I told the teller that I know how to read and it was dishonest of them to try to make me sign up for a credit card when all I want is my money. I refused to sign and told them I was only going to sign for my money, I signed for my money and left. A few days later I noticed on my mobile app that I had a new credit card on my line. I called the citizens bank toll free number and talked to a representative that said that the card was created the same day I went to the bank. ( I thought it was a fraud transaction but it ended up being that teller ). I also found out that the teller didn't change my address as I asked them to. The representative told me a credit card was coming to my old address. I told the representative to cancel the card and send a new card to my new address and I asked them to change my address. They changed the address and sent me a new card to that address. When I got the credit card, I realized it isn't even a type of credit card that I would want. Since then, I've talked to Citizens bank and they are working to change the type of credit card since removing the credit card completely would negatively impact my credit score but I think it is despicable to open a credit card without someone's authorization. If you check, I never signed for the credit card. You can not issue someone a credit card without their permission and without their signature. The employee engaged in fraudulent behavior just to get some sort of commission and I think that's unfair. Citizens bank has stood with the employee and everyone I talked to is calling this an accident or an oversight but I know this is deliberate. XXXX CITIZENS BANK. YOU CAN'T TREAT YOU CUSTOMERS LIKE THIS. I WANT AN APOLOGY FROM THE EMPLOYEE AND I ALSO PLAN ON CLOSING MY ACCOUNT. PLEASE DO SOMETHING TO CURB THIS UNFAIR PRACTICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

/TransUnion agency reports inaccurate information. I have gone back and forth with the agency in writing a letter and submitted a dispute online, which takes longer than thirty days ( XX/XX/XXXX-XX/XX/XXXX ). It takes longer for them to respond by mail. Once I receive the report it is incomplete because they do not provide me with a full report. I have a TransUnion online account that indicates different information online than the actual paper report. They have not removed consumer energy as I have disputed numerous times. It is not my bill and I will continue to dispute. I have sent copies of police reports explaining the identity thief. There were medical bills on my report that has been taken care of. I notified the reporting agency and informed them that the medical bills had been paid and sent in copies of the payment receipts and they still refuse to update the debt. All medical bills were reported during the pandemic except for one of the bills that were reported on XX/XX/2019. It appears that two different reports are sent out to the consumer that shows different information than what is shown to a creditor who requests a copy of your credit report. Which is deceptive. I am asking that this matter be investigated in a timely manner. Thank you!
Product: Debt collection

Paid apartment complex debt off and debt is showing on my credit report as paid however not deleted. The rep verbally told me that the item would be deleted. 

Capstone collection ( XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX  balance paid on XXXX XXXX ... 
Capstone collection ( XXXX XXXX ) XXXX  balance paid on XX/XX/XXXX XXXX ... 

Both accounts paid and NOT deleted as stated to me verbally during the transaction of paying this debt off..
Product: Mortgage

This complaint is in regards to Midwest Loan Services ; located at XXXX XXXX XXXX, XXXX floor, XXXX MI, XXXX, who acts as a Mortgage Servicing company. The company recently updated their website and no longer allows consumers who are in bankruptcy to make payments online. 

Prior to this update I received an email notification regarding new login instructions. However, at no point did these instructions or any other documents notify me that those persons currently in bankruptcy status would no longer be able to make payments online. Additionally, the error message received online does not properly identify the issue and misleads the consumer into believing there is a payment scheduling issue that can be resolved. 

Prior to the new website, I had no issue making online payments. In XX/XX/2021 I contacted XXXX asking why I could not make a payment online. After speaking to the representative for several minutes, neither of us could conclude what the issue was ; therefore, I opted to make a payment over the phone. I attempted to make my XXXX payment online and again received an error message preventing me from making payment. I sent a screenshot of the issue to their customer service email. I received a reply back informing me I am no longer allowed to make online payments due to my bankruptcy status. 

Midwest Loan Services failed to properly disclose the changes to consumers prior to making a change that negatively impacts its consumers. Furthermore, if Midwest is charging fees for taking payments over the phone or via billpay, it has caused an additional financial burden to those already in bankruptcy. Lastly, in restricting online payments to those in bankruptcy, Midwest Loan Services is discriminating against those persons and could potentially ; unknowingly, discriminating against a certain class of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # : XXXX, XXXX # : XXXX, XXXX XXXX XXXX # : XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA, I am writing to express my disappointment and frustration regarding the recent late payment on my account. As a customer who has always been diligent in making timely payments, I was shocked to learn that I had missed a payment deadline and had incurred a late fee. 

I want to bring to your attention that I DID NOT receive any notification from your company regarding the late payment, despite the fact that I have always provided you with my updated contact information. In the emails sent regarding a payment, there is NOTHING stating that my payment is OVERDUE. It only shows WHEN the amount is due. It is my belief that as a responsible creditor, it is your obligation to notify customers of any late payments and give them an opportunity to remedy the situation before it negatively affects their credit score.

As a result of this oversight, I would like to request that you remove the late payment from my credit report. I am confident that this will not only restore my credit score, but also demonstrate your commitment to customer service and fair credit reporting.

In addition, I will be providing you with my updated contact information, including my current phone number and email address, to avoid any similar issues in the future. I hope that you will confirm these details have been updated in your records.

I hope that you will take my concerns seriously and take the necessary steps to rectify this situation. I appreciate your prompt attention to this matter and hope that we can continue our business relationship on a positive note. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am part of a class action lawsuit against XXXX XXXX XXXX, as a result my attorney was looking over how they are reporting and I noticed the late payments XXXX XXXX XXXX has been reporting from 2017. 
My XXXX XXXX XXXX accounts are reporting I was 120 and 150 days late back in XXXX, XXXX and XX/XX/2017. This is not accurate. 
And the identical account is being reported 3- times misleading anyone who would receive my credit report I have never been late for any of these accounts. I send in 1 payment every month to cover all the accounts. XXXX XXXX XXXX was not properly allocating the money at that time.
Product: Checking or savings account

On Friday, XX/XX/2023, I received a call from XXXX at XXXX. The man was claiming to be from Wells Fargo 's fraud department. He advised there was fraud activity on my account. He provided a numbers for each transaction and advised me to write them down. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( didn't write what this was for ), and XXXXXXXX XXXX XXXX. I asked how all these places are being used so quickly, he said they were in a mall in Texas. I asked, how do I know this is Wells Fargo 's fraud department, the man provided my full SSN and DOB. After he provided that information, I believed he was with Wells Fargo 's fraud department. Then he told me he would have to close out my debit card but he needed the PIN in order to close and reissue a new card. I provided the PIN and then he asked for my husband 's information. He provided my late husband 's name and I said no, that's my late husband. I then provided my current husband 's name and he wanted me to provide his debit card information because he thought we had a joint account and his debit card would have been involved. That is when I realized it was fraud and the man hung up.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Inaccurate Bankruptcies ( Public Record ) 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
Product: Consumer Loan

I purchased a vehicle through Credit Acceptance Corp for XXXX with a 25 % interest rate that i have paid over XXXX dollars on and they are stating that i still owe XXXX dollars on the balance and are threatening to repo it. I was out of work for XXXX weeks with a XXXX and collecting XXXX of XXXX per week and still made my monthly payment. XXXX week returned to work to come out of work and find my car gone. they demanded XXXX dollars to get my car back which i payed them. Only to get a call stating i was XXXX behind in my payments and are threatening to repo it again, after just XXXX weeks of paying the XXXX to get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Buraus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$74.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$60.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}