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

I have had issues with a car I purchased ( buyer said car was like new and turns out it has been wrecked several times ) and the dealer agreed to buy the car back. 
Ive had the loan for 14 months, initially borrowing {$16000.00}. When I called to get payoff on it 3 days ago so that the dealer could buy it back, they told me payoff was {$17000.00} Initially when I started the loan with XXXX XXXX, my payments were {$390.00} a month. After ACA took over, they called and told me my payments had dropped to {$240.00} a month because the other company was overcharging. I called several Times because that just didnt seem right with the interest rate at 18 % but they insisted that they know their job and are doing it correctly. 
Come to find out, with the lowered payments its not even enough to cover interest every month which has in turn made my balance more than I shouldve paid over my 72 month loan & at this rate the car will still NOT be paid off when my loan is up. 
I have been contacting ACA to try and get some sort of agreement where the dealer can pay the {$15000.00} and then them write off the other {$1300.00} so that I can be done with this car and every day someone says Ill call you back but no one ever does. I have spoken with at least 15 different people and no one can ever find them again for me to talk with them again. And no one cares that I am getting royally XXXX with my account and wont bother to try and fix it. 
I am currently 3 months behind because I had intended on letting the car go back, but was hoping to settle with the dealer instead of ruining my credit but at this point Im tempted just to let it go back and be done with it just because no one cares enough to help me. 
The most HORRIBLE and IGNORANT customer service ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
1 XXXX XXXX  XXXX XXXX ACCOUNT # XXXX 2 ) WELLS FARGO ACCOUNT # XXXX 3 ) XXXX XXXX ACCOUNT # XXXX HAVE VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT OF PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS. 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY REASON..
Product: Debt collection

Since XX/XX/2022, and continuing every day since, this company has been calling me multiple times per day from many different telephone numbers on my cellular telephone line to attempt to collect a debt I do not have any awareness of. I believe it may be for someone with a similar name, but I attest that the debt is not mine. Yet, the communication attempts aggressively and unfairly continue.
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX of 2023 I made a late payment as a result of XXXX and XXXX. I reached out by sending a letter of good will and a automated message told me they can not remove it. It's impossible to get to someone directly, I've tried to email the CEO but the email comes up as invalid.
Product: Checking or savings account

On XX/XX/2021, my Bank of America online banking account was hacked, and the hacker used bill pay on my checking account to pay off two credit card debts : one for {$3000.00} on a XXXX credit card, another one for {$1600.00} for XXXX XXXX credit card. For the past years, I only used my checking account to pay off my credit card with Bank of America only, and they don't find this suspicious at all??? 

On XX/XX/2021 I found out my account balance is nearly {$0.00} and called Bank of America Digital Claim to file a claim. 

On XX/XX/2021, Bank of America denied my dispute, they stated that the computer that was used to make those transactions is the same computer that I used to log in. 

On XX/XX/2021, I faxed a copy of my computer virus scan ( see attached ) with XXXX ( recommended by Bank of America ) to prove that my computer was infected with virus that can remote control my computer. 

On XX/XX/2021 I called back and requested for reconsideration and was told they will need 3 business days to receive and process the fax. On the same day, I called my local police department ( XXXXXX/XX/XXXXin XXXX, New York ) and was told that I will need an affidavit ( fraud statement ) from the bank in order to file for a police report and I have to get the affidavit from the bank on my own. I called digital claim again to request an affidavit, the digital claim representative told me that she submitted the request to get affidavit for me and I will receive it in 3 business days. 

On XX/XX/2021, I called back to check the status on my claim and the affidavit request and was told that they are still processing the claim and they do not have the affidavit yet. The representative told me that she will submit another request to get the affidavit. 

On XX/XX/2021, I called back to check on the status on the affidavit, but was told by XXXX they do not have it yet and will submit another request to get the affidavit and I will have to wait for another 3 business days ( for the third time ). 

On XX/XX/2021, I called back to check on the status on my claim and affidavit. This time, XXXX-the representative was able to message the claim analyst ( why can't the other representative do the same? ) and told me in minutes that affidavit is unwarranted and I don't have the right to get an affidavit to file for police report. The only time I can get an affidavit is when they request for police report ( how does it make sense to anyone? My personal property is lost with the bank, and I don't have the right to file a police report? ). I then asked what if the claim is denied and I want to file a police report to go after the criminals? The representative answered : " all I can tell you is that the affidavit is unwarranted. '' From his previous explanations, that means I will not get the affidavit. 

At this point, the bank is just being unreasonable and irresponsible. Which bank do I have to call 4 times to get an affidavit and not getting it at the end? For the entire time, I did not get a temporary credit. It seems to me that Bank of America claim process is a process to force victims to give up.
Product: Debt collection

*******URGENT******* I called the XXXX XXXX XXXX  office at XXXX at XXXX XX/XX/19 to speak with the representative in charge of my account. When the individual got on the phone he indicated that he was the manager and had been in charge of my account ( reference # XXXX ) since i started making payments a few months ago. Immediately after inquiring about assistance the individual proceeded to tell me that i was not smart for acquiring the debt that i have, passing extreme judgment on the amount i was paying and how the creditor that i acquired the debt with, threatened legal action against me if i modified my payments, yelled at me, spoke over me, refused to transfer my call to another representative, stated that he would not assist me with my concerns, noted to me that customer service was not his job nor his concern amongst several other demeaning and disrespectful comments. It is unfortunate that someone like this is allowed to speak to customers or individuals in my situation that have gone through extreme hardship and tragedy but are making several on time payments to rectify the situation as best as possible. I would like this escalated and action taken against this person. I am available at XXXX and would like to have my account transferred. I have filed several complaints and was denied the ability to speak to his manager during my call.
Product: Checking or savings account

The account was closed due to suspicious activity or fraud as they called it on XXXX XXXX so they held my money for 60 days so on XXXX XXXX they told me I would be issued a cashiers check but on XXXX XXXX I was told my money was sent back to the sender on XX/XX/2020 its just so many lies this bank keeps telling me
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a letter from Asset Recovery stating I owe {$3000.00} from a loan from XXXX XXXX. I never have gotten a loan from them, I was denied credit. I cosigned but the funds were returned same day, the person I cosigned for was in a debt consolidated program which I knew that this account was in consolidation too. I spoke to someone at XXXX XXXX about this situation but to no avail. They insisted I still would get reported to credit bureau. Now the collection agency " Asset Recovery '' wants me to settle the debt by paying {$1000.00} by XX/XX/XXXX or the entire debt will continue to be owed. Original creditor was XXXX XXXX New Creditor : XXXX XXXX XXXX XXXX XXXX WHAT CAN I DO?
Product: Credit reporting or other personal consumer reports

I was absolutely stunned today when I noticed accounts that dont belong to me showing up on my credit report. I check it often, and today I was blindsided by these errors. I thought maybe my browser was acting up, so I refreshed it, but unfortunately, the mistakes remained. Im deeply frustrated and asking for a careful review of the documents Ive provided to make sure this never happens again.
Product: Mortgage

Ocwen has not ceased my PMI and my LTV is at 65 %. I have approached them thru email and they continue to send letters in the mail that state I need an appraisal. I understand the law is at 78 % LTV PMI is automatically to cease. 

My last email states this and I have no choice but to gain protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim, my information was used without my consent to apply for a Tj Maxx credit card. That application was submitted to XXXX XXXX/TJ Maxx in XX/XX/2018 using my information. I obtained the assistiance of a fraud detection agency and their office is working on my behalf to resolve the issues however XXXX XXXX/Tj Maxx has not remove the fraudulent inquiry after an official dispute was provided to them XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy because I force myself not to buy things i want. I hope you understand the dilemma I'm going through..I always track my bills, I contacted the credit bureaus, to reverse the late payments but they never fix this matter, this is an error, I was not late on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has consistently been a problem.  XXXX   XXXX    XXXX    & Experian has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents.
Product: Credit reporting or other personal consumer reports

IM REQUESTING THIS INFORMATION FROM THESE 2 CREDITORS BECAUSE OF THE INACCURATE INFORMATION BEING REPORTED TO THE CREDIT BUREAUS 

Account info
1. Account name
2. Account number
3. Account type
4. Date opened
5. Status
6. Status updated
7. Balance
8. Balance updated
9. Recent payment
10. Monthly payment
11. Credit limit
12. Highest balance
13. Terms
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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: Checking or savings account

On XX/XX/XXXX I attempted to pay a bill on line from a checking account for which I am a joint holder. I was told to try again later which I did and received the same message. That same day my sister-in-law informed me that there was a hold on two accounts one being the checking account I was trying to access. I called Capital One to find out the reason for the hold on the account. I was informed that since I am not the primary holder on the account no information could be given to me. I told them that I have the legal power of attorney for my mom who is ninety-nine and that I need access to ther account in order to pay her bills including the amount paid to her caregiver every two weeks. I was then told that I needed to fill out POA forms, which I could find on the Capital One website, have them notarized, and once received and accepted it would take ten days for me to get access to the account. The forms were received on XX/XX/XXXX to the address on the cover sheet for Capital Ones POA forms. We spoke to various representatives none of whom were helpful or even gave me any information that was either useful or correct as well as visiting a local branch to try to find out what was taking so long. 
On XX/XX/XXXX I spoke to a supervisor who informed me that the address where I sent the forms was a warehouse and that I needed to send the forms that are online as well as my legal POA to Capital One. The supervisor spent two hours on the phone with me but she was not familiar with Mac computers and we were unable to find a way throught my phone app or the computer to get the forms to her. She advised me to visit my local branch to have them scan the paperwork and send it through them.She also informed me that even though there were copious notes around this issue she was unable to expedite me receiving the authorization to look into and take the hold off the account. I received a letter dated XX/XX/XXXX informing me that XXXX XXXX XXXX 's request for POA was NOT approved for the following reason : Our records indicate that XXXX XXXX XXXX is designated as POA on this account and asking me if I would like to change the POA. I waited several days and then called customer service. I read her the letter and she told me that I was granted the POA and she took the hold off the account without mentioning the suspected fraudulent activity that began this fiasco. I have never before met with such total incompetence, lack of knowledge and concern for a customer. The letter I received on the XXXX was the icing on the cake. I will be bringing my business to another bank in the hopes that I will be treated as a valued customer.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PORTFOLIO RECOVERY would verify the debt. So I took it upon myself to ask PORTFOLIO RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/2020 I went into XXXX XXXX to inquire about the possibility of buying a new truck. At the time they had a deal where they were offering low to no interest and no payments for 90-120 days. I wanted this deal and this deal only. I applied for the credit with XXXX and was rejected, however the former Sales Manager ( who was about to retire come to find out ) arbitrarily shopped my name around to several banks to get me qualified to buy they truck. I made it clear I did not want a bunch of credit inquiries to my credit. Just the one, via XXXX. 

Now fast forward 7 months and 4 inquires remain that should not, despite me calling the credit bureaus, the companies themselves and even XXXX XXXX advocating and sending letters to remove the credit inquiry from my report. 
-Ally Financial, Inc. XX/XX/2020 still remains and shall be removed. 
-Ally Financial XX/XX/2020 still remains and shall be removed -XX/XX/XXXX XXXX XX/XX/2020 still remains and shall be removed -XX/XX/XXXX XXXX XX/XX/2020 still remains and shall be removed as XXXX solicited my business with them, without my express consent, in fact, against my word as a consumer.
Product: Credit reporting or other personal consumer reports

I have dispute a vehicle that is on my credit report that I didnt purchase. I asked for them to provide documentation of a contract with my name on it or the loan in which the person signed to compare my signature. Every request was denied and no documentation was provided. They stated it will take 2 years to investigate. I also asked for incorrect information as far as addresses be removed and other information that didnt belong to me. Nothing was resolved.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$7900.00} XXXX XXXX Balance : {$7900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

I was offered a loan by Lending Club. The loan was approved under account # XXXX with a payment of {$270.00}. The first payment was due on XX/XX/2020. Although the loan itself was a predatory, on the same month of XXXX, Lending Club offered me a XXXXmonth deferral disguised under a scam. I accepted the deferral. However, what I did not know and was not advised of was that my next payment would only go to interests. The deferral ended on XXXX and on XX/XX/2020, Lending Club withdraws the regular payment from my bank account. Of that {$270.00}, they applied {$260.00} to interests and only added XXXX$14.00} to the loan principal. It was until I try to pay the loan, I notice what had happened. I called Lending Club to bring to their attention that I was not aware nor advised that under the deferral, my next payment would almost only apply to interest, and requested the waiver of a portion of the interest amount deducted from my payment. They refused to do so. 

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

SYNCB/PAYPAL on XX/XX/20 placed a hard inquiry for credit on my credit report. I did not apply for credit with syncb paypal.
Product: Debt collection

XX/XX/year> I am not reliable for debts with LVNV funding LLC {$930.00} and {$760.00}. I dont have a contract with LVNV funding LLC XXXX they did not provide me any original contract contracts as I requested. 
I want those debts be removed from my credit report. 
I am not also reliable for debt with XXXX XXXX with amount of {$360.00} again I dont have any contract with them they didnt provide any original contract as requested. 
I want this debt be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Both Experian and XXXX significantly dropped my credit score without providing reasons for the change. Both websites would not give me an updated report to show the reason for the credit score decrease. XXXX also did did not change my credit score as well after reporting that a negative collection was removed from my profile. They did not provide me with an updated credit report as well.
Product: Mortgage

XX/XX/XXXX i had a loan modification with XXXX XXXX which i honored, i never miss a payment. Six month later the loan was transfer to XXXX ( XXXX XXXX XXXX ). Upon takeover XXXX unilaterally change the term of the the loan modification from XXXX years to XXXX years nearly double the monthly escrow escrow which trigger default again.When i asked them why the escrow on the property was so high? The answer was check with your city property tax department. I send them the proper tax bill from the City over and over again to prove no dramatic change on the tax bill just to be ignored. 
For more than 2 years they refuse to apply the proper tax on the loan and show a complete refusal to honor the previous loan agreement. They hold on it and then transfer it to PHH. The new Mortgage servicing company forced me to apply for modification again which result to a denial while the the loan still have close to {$400.00} excess on the escrow account. The reason for the denial was Insufficient income. I confronted PHH with the error on the property tax they correct it without removing the excess accumulated for the pass years nor offer any new agreement .The change on the escrow was just to make me quiet. on the payoff note The escrow is still high as off now. 
Since i see PHH is moving fast to foreclose wrongfully, i send them a letter explaining the situation with default payment plan agreement proposal with the correct amount owed one month payment according to the plan. They rejected it and stated we can not accept any payment from me. They return the check. 
Phh makes me apply about 3 times for modification. the end of each cycle was incomplete ( Missing Documents ) I send the same document over and over again. They claim they did not received them. to make sure they can play this deceptive game they no longer receive document by email but only by fax an by mail. 
We are in the middle of the foreclosure process. The referee ask them to do an escrow analysis and give the reason for the escrow overcharging. The new answer now as of XXXX XXXX is not the property tax but the default.Their lawyer give a whole new explanation stated that " they had to factor in your deferred payment and change the term of your modification from XXXX years to XXXX years because you defaulted on your loan modification agreement ''. A default triggered by XXXX because they refuse to honor the previous bank modification agreement. XXXX Change the term of the loan agreement shorten the term from XXXX to XXXX years and raise the monthly payment. 
This situation drives me crazy the fear of loosing my home is getting bigger everyday. I feel powerless been used and abuse by those loan servicer using a sophisticated scam to foreclose on my home wrongfully. Now they packed the loan with fee and moving fast to foreclose.In resume XXXX and PHH work jointly one setup the default the other move on to take advantage, steal it by foreclose wrongfully on the property while refusing to honor my original loan modification agreement.
Product: Credit reporting or other personal consumer reports

I was divorced 3 years ago. My ex-Wife continued to use the Big Lots Card that I was an Authorized user on. She became delinquent on the card. This is showing up on my credit report. I would like to have it removed off the credit report.