23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone unknown to me has put me as an authorized user on their XXXX XXXX XXXX and I'm demanding that I be removed from these unknown accounts at once.
Product: Debt collection

On Thursday XX/XX/2018, I was notified by XXXX XXXX that a collection had been placed on my account. The collection was from XXXX XXXX XXXX ( original creditor was XXXX ) for {$290.00}. This dropped my credit score almost 50 points. First of all, I havent had an account with XXXX in over 6 years. I have received zero notifications about a debt owed, going to collections, being sent to credit bureaus, absolutely nothing. I tried contacting Waypoint multiple using two different numbers. One phone number listed on XXXX XXXX and the other on their website. Had I been contacted about this debt and shown that it was an honest debt, I would have gladly paid. However, after investigating, I have found out that multiple people are having the same issue with this company. Collections appearing out of nowhere, with zero notice, and all fairly recently. Many people believe it is a scam and I refuse to pay this until I have proof of this debt. I also want this collection taken off of my credit. I have worked very hard to build my credit back up and this has hit that hard with zero warning.
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. These 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 Affidavit. 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 XXXX XXXX Original Creditor : XXXX XXXX CO ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ACCOUNTS ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$580.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX {$140.00} ; ; XXXX ONEAL XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXriginal Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these inaccurate address, Inaccurate names, Inquiries and accounts as soon as possible.
Product: Vehicle loan or lease

I use online banking and often make extra principal payments on my Truist auto loan. Several months ago, I couldn't understand why my monthly payment amount decreased if I specified that the extra payment was to go to my principal only and I still paid my full monthly payment amount. I called Truist, who assured me the money was going to my principal even though my payment due amount kept changing. I continued to pay my original full monthly payment amount even when my bill was less. I called again today, XX/XX/XXXX, because my payment amount had again changed and I didn't think this was correct. I was told by the Truist representative that there is something wrong with the online principal payment option and that even though online banking gives a " principal only '' option, none of the money I paid and specified as a principal only payment ever went to the principal. The representative said " Truist has known about this for a long time and they are working on it ''. She states the extra money I paid became a credit on the account for the next months payment. There should not be an option to choose to make a principal only payment if that's not how the payment will be applied. The representative said she can note this as a complaint on my account but nothing can be done about it. This is fraud. This will not allow the loan to be paid off early by making extra principal payments as we were told we could do when we took out the loan. I will attach screen shots showing the " principal only '' option and description that Truist displays online.
Product: Credit reporting

I submitted a dispute in writing to TransUnion on XX/XX/2016. Not only did they not produce proof that the credit file in question belongs to me, TransUnion DID NOT respond at all. They have exceeded the allotted 30 days to respond to my dispute.
Product: Credit reporting or other personal consumer reports

When using Zelle, I have sent money to the wrong users with no way of receiving my money back due to lack of security issues and warnings.
Product: Credit reporting, credit repair services, or other personal consumer reports

The comments are inaccurate. This was NOT an " insurance or government claim '' and there's nothing even remotely true about that statement. This was in fact, PAID IN CASH XXXX of 2021. 

XXXX XXXX XXXX XXXX  Comments : Paid, was a collection account, insurance claim or government claim or was terminated for default
Product: Credit reporting or other personal consumer reports

All motor vehicle corporations and incorporated any leasing or loans under my name XXXX XXXX under social security number XXXX from XXXX- XXXX   was due to fraud and scamming and I don't own any vehicle. 

You may reach me directly at XXXX Email XXXX XXXX
Product: Payday loan, title loan, or personal loan

On the morning of Friday, XXXX XXXX 2017 I cashed a small check at the US Bank branch inside of XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The teller took my ID and searched her computer for my account, spending what felt like far too long clicking around on her screen, then announced, How strange! You dont have overdraft protection on your account. Its a free service. Im not sure why you dont have it. I explained that I had just been bumped from Private Client services a few months back, perhaps basic checking features got lost in the shuffle when my account type changed. She proceeded to cash my check and ask me questions to verify my address and phone. Then a second gentleman who conducted himself more like a branch manager arrived with bundles of XXXX and XXXX for her drawer to fulfill my cash request and began to explain to me the features of my new line of credit. <P/>Wait, what?! Overdraft protection involves opening a line of credit? I was incredulous, You were about to open a line of credit in my name and mask it as helping me set up overdraft protection? The manager apologized and explained that he could see how this was confusing since most overdraft protection does not involve credit. He tried to further convince me by insisting that the credit inquiry would pay off with the added security I would enjoy. <P/>Now I was infuriated and feeling absolutely defrauded. The term overdraft protection is understood by consumers only as a courtesy feature of a checking account, not a mechanism to access borrowed funds. The feigned helpful tone and misleading language used to push a line of credit made me sick to my stomach ( and reminded me of XXXX XXXX ). <P/>A few hours later after logging in to the US Bank website I was assured, You Automatically Have Standard Overdraft Coverage. This also meant that the teller flat out lied to me this morning. <P/>I wrote and submitted this complaint to the Consumer Financial Protection Bureau in the hopes that others are not subjected to similar predatory marketing practices. <P/>Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Payday loan, title loan, or personal loan

XXXX  ny office, i was a cosigner on loan with my mother with my car as collateral, she went bankrupt and would not talk to me about the anything other than make a half payment and they would we be in touch with me to figure out the rest after the bk, well they took my car, i told   XXXX   XXXX   (  XXXX  ) i would i pay the past due amount to bring it current and they want nothing to do it with it, i was lied to by   XXXX   at mariner finance they said my mother committed fraud and i do n't have my car. i am husband and father of  XXXX  and have had  two pervious loan s that were paid faithfully and on time and now no car even trying to make this situation right, please let me pay what i owe to reinstate the loan and i will assume all of the payments from here on out inc the repo fees. Also after furtherin review, in nys there must be a cosigner form signed by the cosigner and that form was issued to and signed by the borrower, due to nys statue it does say if the bank does not follow the proper co signer steps the cosigner is not obligated to loan at all. This company never contacted me after i made a payment they as me to, they did not inform me that the loan was in default after i made the account current. all i want to do is pay the loan now seeing my mother is out of the picutre this is my car they also refused to tell me where the car is so i can grab my personal belonings, credit cards, personal mail and bils title to my wifes car as well as peronsal things of my kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send 3 letters to XXXX, XXXX, and XXXX XXXX On my Credit report there was 4 name on it that wasn't mine and a social security number that was not mine. Wrong phone Numbers. XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an incorrect date on XXXX XXXX with Transunion for the XXXX XXXX account listed on my credit report, and a month later XXXX XXXX sent me an notification that the XXXX XXXX account has been deleted off my credit. This dropped my score 117 points. I contacted Transunion and they said they sent a letter to XXXX XXXX on XX/XX/XXXX and due to no reply back after 30 days the account was deleted. I 've contacted XXXX XXXX numerous of times and even reported this problem to bbb.org. I have been getting the run around since XX/XX/XXXX and no one seems to not know what to do. FInally in early XX/XX/XXXX,  someone responds to the bbb complaint and says they re loaded my account information in e-Oscar and the credit companies should see it. I contacted Transunion only for them to tell me that they ca n't see the account in e-Oscar,  and I need to tell XXXX XXXX to complete an re insertion by contacting Transunion marketing services. I was told this by a male rep. I contacted XXXX XXXX to relay the information and they tell me they contacted marketing services of Transunion and tranunion is telling her that XXXX XXXX was never an account on my credit. This is so frustrating, for 2 months I have been on hold to accomplish some life goals, because my credit is holding me back all because of XXXX XXXX. Please help me. I will attach the reply from an XXXX XXXX manager on bbb and I will attach the payment history in e Oscar, and I will attach a screenshot of the notification of the account being deleted.
Product: Mortgage

Our Mortgage was recently transferred from XXXX to Select Portfolio Servicing Inc. around XXXX. I always make my normal monthly payment and wait for it to process. After this, but before my next payment due date, I make an additional principal payment of {$5000.00}. I originally called Select Portfolio Servicing on XXXX, to notify them that I will be making this additional principal payment every month and to put a note on my account. Select Portfolio Servicing wants to charge me an extra fee if I call in and make a payment and if I make a payment on their website. The only other way I can make a payment without paying an additional fee, is through my bank account. ( I REFUSE TO SET UP AUTOMATIC WITHDRAWALS ). Each time I make an additional principal payment, I put in the Memo : " APPLY ALL TOWARDS PRINCIPAL. '' Everything went fine on XXXX, XXXX, & XXXX. Starting on XXXX and XXXX, they have not applied my extra payments towards principal CORRECTLY. They have put one payment from each of those into the future and my payment date is changing. I had to call in both times to have the payment fixed. I did this with XXXX all the time ( They actually waived the phone fee for me so I could call in each time and make the payment over the phone, but it still did not work every time ). They are telling me that I can not speak to anyone else or have a supervisor assigned to my account. They tell me that this is the way their computer system is set up. I told them I do not care or want to hear their excuses. I told them that I want someone to manually enter my extra payments. I told them that they are not following the terms of our mortgage. It states directly in our Mortgage Loan Documents/Agreement, that any payment made in addition to the normal payment ( as long as the entire amount is more than the monthly payment amount ), AND all other fees due are paid off, it WILL BE APPLIED TOWARDS PRINCIPAL. This is a game and I am tired of playing it. I have to waste my time every month to call them back and they trying to cause me to also pay more interest each time, WHICH IS NOT FAIR OR RIGHT! The Payment Area is on the second page, # 5.
Product: Mortgage

I was affected by the National Disaster in XX/XX/XXXX, I was employed in a Federally Declared National Disaster Area due to the CA Wildfires. I am in contact w my first loan servicer and previous servicer to obtain disaster assistance I previously applied for, which has been affected as a result of my loan servicer transfer. I advised SLS that was in the middle of applying for assistance based on the disaster and that I was affected prior to SLS beginning foreclosure proceedings. I also requested an assistance package which I never received. Now I have a pending sale date at the end of this month, XX/XX/XXXX, which SLS advised me was an option on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find a list of items that I did not consent to. So that would be Idenity Theft, I did not give no one Permission to furnish anything on my Consumer report. And the following Credit Reporting Agencies are also Violating my Right to Privacy, EXPERIAN, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXXXXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXXXXXX Balance Owed : {$270.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Elan financial. I paid the card off in XXXX. In XXXX of XXXX I tried to prequalify for a home mortgage and was told that I couldn't, primarily because that card was showing as unpaid and over limit. I placed numerous phone calls to the creditor, and had my bank officer contact them on my behalf. Despite numerous messages on a recording that promised to return my call within 24 business hours, I have never yet been contacted or spoken to any one. It is now XXXX. Given these difficulties, I disputed the account with the credit reporting agencies, who have reported that the account is verified, and it continues to trash my credit score.
Product: Money transfer, virtual currency, or money service

Hello my brother and sister in law wired me {$4000.00}. from their XXXX XXXX account in Oregon to help me through a tough time i am going through. Citi bank will not release the wire to my account. For 9 days they lied to me saying wells fargo was holding the wire. Then on XXXX I spoke to XXXX in the Citibank wire dept and she admitted Citibank was holding the wire until my brother in law gives them all his information including his passport #. He has supplied them with all the information and XXXX now said the compliance has all the time in the world to review the information and when they are ready they will release it to my account. She told me they did not tell me the truth because banks talk to banks not to customers. I want my money it has been 7 days and they will not release it.
Product: Mortgage

CFPB Wells Fargo is refusing to answer what it did with the loan payoff I sent. 

The payoff was't sent back or applied. 
What did Wells Fargo do with it? 

The loan holder couldn't make Wells Fargo apply the payoff. The loan holder couldn't make Wells Fargo send the payoff back. 

Wells Fargo saw the payoff amount & decided to keep it. The loan holder couldn't make the bank be honest. 

Wells Fargo has had all the information to look into all this since XXXX. 

Before I sent the payoff I signed it in front of law enforcement & had them keep a copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a 3rd party debt collector who's destroying my credit. Ive even attempted to send a registered security satisfy the obligation. They kept the security and never closed the account out. HELP PLEASE
Product: Vehicle loan or lease

There are many more details in my notes. 

I have them written down, and would like to discuss with your attorney/ representatives This is a short summary : I purchased a brand new XXXX XXXX XXXX in XXXX. 
The car was perfectly maintained. In the first year, I had issues with the transmission and Ford replaced the original transmission. Despite my efforts of high quality maintenance during these issues, we were still having issues with the drive train. 

I found out that there was a " lemon law '' for this car and other models during the XXXX model years. Ford was sued by thousands of people for the faulty transmission and subsequent drive train problems. 

While the car was still under warranty, I brought the car in to have transmission repairs again. This was a recurring issue. This is why there is a lemon law for this car. 

Ford put in a third transmission, and submitted a {$5000.00} repair bill to me. At the time I had been making payments to own this vehicle. At this point, I had paid at least 36 months towards the loan. 

In XXXX I was unable to use the car due to it not running correctly. 
Ultimately, I had to take the plates and the insurance off of the vehicle because it was undriveable. I ended up having to put an older car on the road to replace it. 

The Ford dealer submitted the bill to me and I fought both Ford Motor Credit and Ford Corporation because I was unsatisfied with having a vehicle that had become inoperable, as well as the experience of sub-par customer service Ford did not return my vehicle to me. 
The car was repossesed, and I stopped making payments. 
Ford has served me a lawsuit for {$14000.00} which I am protesting and will be defending myself in court for. I am seeking to counter sue Ford, and I would appreciate any insights or assistance in this direction. 

Please help me with this lawsuit. 

Truly, XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I took my daughter to XXXX XXXX XXXX ( XXXX medical ). 

XX/XX/XXXX We reached {$3500.00}, out of pocket maximum because she was hospitalized later. 
I don't need to pay anything including copay after we reached out of pocket maximum with my insurance policy. 

XX/XX/XXXX XXXXXXXX XXXX XXXX ( XXXX medical ) billed me {$50.00} for copay. 
I contacted them and they told me we don't have to pay for the bill after they got the proof of document that said my responsibility is XXXX ( from insurance company ). 

XX/XX/XXXX collection company sent me a bill ( XXXX  lied when I called them before, and they sent the bill to the collection instead after I contact them ) I called to XXXX  again, they said they will take it off from the collection. 

XX/XX/XXXX collection company sent me a bill again ( XXXX agent lied again, and they did nothing with the collection ). 

XXXX XXXX XXXX ( XXXX medical ) is trying to get {$50.00} from me even though they got the document that said my responsibility is XXXX, they lied every time I called them, also she visit the urgent care when she was XXXX, and they sent {$50.00} bill to collection with my daughter name. 
What they do is just pushing me to pay {$50.00} even though they knew that it is not my debt.
Product: Credit card

On XX/XX/XXXX I applied to extend my credit with Bank Of America and I applied for a credit card in which I was denied credit. I reached out to Bank Of America and let them know this is in fact discrimination. The consumer law does not state who is credit worthy or not, I am credit worthy and this denial put me and my XXXX year old daughter through mental and physical distress. Due to not being approved for said credit card this is now in fact fraud because I exercised my right to credit but was denied. I applied in good faith but received no benefit. I also took a look at my consumer report and seen that there was indeed a hard inquiry which hurts my consumer report as well. I'm aware that I have the right to privacy and with Bank Of America I was not only denied credit but I was also denied privacy in which I never gave Bank Of America permission to report to my consumer report.
Product: Credit card or prepaid card

Am a Barclay 's XXXX XXXX Mastercard customer and have had an account for many years. I have always had my auto pay set up to pay the full statement balance on the due date. 

On my XX/XX/21 statement I had a balance of {$3400.00} and had autopay set up to pay the full statement balance of {$3400.00} on my due date of XX/XX/21. However, the payment did not process until XX/XX/21 resulting in interest charges of {$73.00} and a late fee of {$29.00}. After speaking with Barclay 's customer support both fees were waived and no explanation was given for the delay in the payment. As a one off issue I was satisfied with the resolution. 

However, on my XX/XX/21 statement I had a balance of {$4800.00} with autopay set up to pay the statement balance of {$4800.00} on my due date of XX/XX/21. The payment was made in full on XX/XX/21. However, on my XX/XX/21 statement I had an interest charge of {$42.00} based on a 14.99 % rate on a balance of {$3400.00}. After speaking with Barclay 's customer support they agreed that no interest should have been charged and it was erroneously charged due to a 'technical error '. The charge was waived. 

I am satisfied with the resolution that I received ; however, if a 'technical error ' resulted in erroneous interest charges on my statement I am sure it is happening to others as well. The support representative I spoke to filed an internal complaint at Barclays with the case # XXXX.