23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

This is what happened. I had been leased for a car back in XXXX XXXX. I did n't know know anything about the creditor nor the bank that the dealer had done my loan account and amount for the loan I was asking for. I have never had the copy of the contract for the vehicle or loan. All I was giving was the application I did n't fill out. It was all electronic and electronically signed by the dealer. Until XXXX XXXX I was barely able to make the payments. I looked over the paperwork that the dealer had given me and the only thing correct on the application for the car loan and for the vehicle was where I was employed. My monthly income, when I started my employer, and my housing situation was all false information. I called the creditor to explain to then that the information was incorrect. They would n't change it nor listen to what I had to say. They claimed to have a paystub that I did not give them. The paystub they had informed me that I had gave them was dated for XXXX XXXX, XXXX. I had n't even spoke to them let alone fax such a paystub. I 'm very upset now because they finally came and reposes the vehicle after I had explain to them to come take the car back in XXXX XXXX. I can no longer get my personal belonging from the vehicle. I do n't car about the car itself. I just would like my personal belongings from the vehicle. The creditor who hired the repossession never contacted me so i was able to get my belongings out of the car. In fact I still have the key to the car. When I was at the dealer I was informed that there was only XXXX key and that was it. I never had duplicate. So currently i had to quit my job because I 'm not able to get to my employer. I ca n't get any of my personal belongings from the car because the company who took it for the creditor will not even contact me back about my belongings and I would never be able to get to the place the vehicle was take to. I need help to get this taken care of and I 'm a poor college student. I 'm having to move as soon as my current school semester is over in XXXX XXXX because I have been homeless sense last XXXX XXXX. I was actually sleeping in the car they had reposes. Credit Acceptance, home-base of XXXX Michigan is the worst
Product: Vehicle loan or lease

WestLake Financial Services They call and call when you are late making a payment. And they always XXXX their money and ask why you are late making it this month. and they get up in your personal finance issues that you are having and they do not respect the customers at all. They raised their voice at you and tell you that you are past due and that they want their money. They try forcing you into online where they take the money out of your account.
Product: Mortgage

Good afternoon, I would like to know if there is a consumer protection law that protects individuals against wrongful foreclosures? 
Wells Fargo did an auto draft from my account twice a month for eleven years. It turns out that Wells Fargo applied my monthly payments to a wrong account for six months and foreclosed on us. I found out that I was being foreclosed on by a piece of mail sent to me from a lawyer stating how to avoid foreclosure. I looked up my credit report to find out I was in per-foreclosure. My wife contacted them and told them what was happening and the Wells Fargo employee stated that they could see on the computer where our money was going, but they could not pull it out of the wrong account and apply it to the correct account because we were in the process of foreclosure. 
There was no written correspondence or phone calls prior to being evicted. Once the foreclosure took place, we were contacted by Wells Fargo 's appointed lawyer and real estate agent, both stated that they wish they could say this was the first time, but it was not. Do I have any retribution? 
We contacted six lawyers and none of them would take the case. They all said that they did not want to go up against one of the big banks. They also stated that in the Commonwealth of Virginia, the state will side of the lender ninety-nine percent of the time. This is wrong and something needs to be done. 
I feel that this all started when my wife inquired about a loan modification and we were told that we did not qualify. Shortly afterwards, we were contacted again and were told that they made a mistake and that we did qualify. My wife resubmitted paperwork and they did nothing with it. It was approximately six months later, we found out that we were being foreclosed on by a mail advertisement. After research, many others have been foreclosed on when they did loan modifications or inquired about it. This information was found on XXXX XXXX website. 

V/R XXXX XXXX
Product: Mortgage

I have a usda mortgage with planet home lending. This company removed my option to make a payment online. As I was trying to make a payment the portal said I had a payment scheduled ( which was also false information ) this company intentionally took my right to pay so it could be reported late. My rights where violated because I wasnt allowed to make a payment. They Reported it to the credit bureau as a late payment. This is unfair.
Product: Credit card or prepaid card

Citi Bank Credit Card agents are telling me two opposing stories. An agent named XXXX told me yesterday that my XXXX sign-up bonus ThankYou points would post to my account on my XX/XX/XXXX statement. The points did NOT post so I spoke to another agent named XXXX today. He claimed the 80k points offer was not even attached to my account. That is absolutely ridiculous. I have screenshots as proof of the offer I signed up with along with their terms and conditions. I met all requirements ( XXXX XXXX spend within the first 90 days ) and I did not violate any terms and conditions for this offer. Citi is being deceptive, misleading and unethical. They need to honor their own promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion completed an investigation and still claims that their error is accurate. The account that they claim is still open has been closed for XXXX months.
Product: Mortgage

I sold a property on XX/XX/2020 on which Flagstar held the mortgage. Consequent to closing, I received a letter dated XX/XX/2020 demanding {$350.00} fee not collected at closing. The letter threatens to collect and cloud the title to the property and refusal to issue satisfaction of mortgage. The letter gives me 10 days to send payment. I contacted Flagstar to contest and provided a copy of closing documents, their payoff demand and payment in full - and was issued reference case no. XXXX. I have asked for assistance resolving and written confirmation of a resolution. Numerous calls to the Customer Service/Payoff Department said they have to research the matter further. To date, Flagstar has not responded with additional information regarding the charge. Flagstar shows the matter is still unresolved and pending collection. I am requesting assistance in resolving the matter and obtaining confirmation from Flagstar the mortgage has been paid off, and the satisfaction of mortgage. Flagstar remains unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX  with no successful resolution. XXXX, and TransUnion only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

I disputed this account prior to appearing on my credit report to inform them, that this is not my debt. They have failed to provide any documentation and now it reflects on my credit report.
Product: Credit reporting or other personal consumer reports

I have enclosed some information from the courts.The District Court of Maryland dismissed the account.So why are they still trying to collect.Why are they still reporting this to my credit report.This is a clear violation of my federal consumer law rights.Its a violation of constitutional rights and the FCRA/FDPA I will be contacting the Attorney General for the State of MD I may also sue tooIts a violation of the FCRA and FDPA
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX until XX/XX/XXXX XXXX has been reporting on my credit report that ALL INFORMATION was accurate when and verified accurate. I have been disputing this information for 4 year about the inaccurate findings on my report. Yet every dispute was returned as verified and accurate. 
Today my credit report was updated by XXXX and shown since XXXX they have been falsely reporting inaccurate information which created a negative report on my credit report and hinderedy ability to obtain credit from other sources. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

you are in direct violation of the fair credit reporting act has violated several of my right. 15 u.s.c 1681 section 602 A clearly states that I have the right to privacy. 15u.s.c 1681 section604A section2 it also states a consumer reporting agency can not furnish an account without my written instructions.15U.S.C 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plans late for any purpose. remove these late payment and update this account immediately as you rein direct violation of several laws under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached file, the credit bureaus are reporting this account inaccurately and they are violating the FCRA CARES ACT.
Product: Consumer Loan

I am getting daily phone calls from Hyundia credit about a nonpayment on late fees for a car loan and have requested that I do not be disturbed during Sundays - Dinner time or after evening hours and they keep harnessing me about a {$64.00} dollar late fee. I have requested several times that I am making my car payments and each month but this harassment continues for a mere {$64.00}. I need someone to intervene on my behalf. The phone # they are using is XXXX. I will sue them if I have a legal concern
Product: Credit reporting or other personal consumer reports

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following items here : XXXX XXXX XXXXXXXX Balance Owed : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice To all, Today, XX/XX/XXXX XXXX, I am providing this complaint pursuant to 15 U.S. Code 1692a ( 3 ) - consumer means any natural person obligated or allegedly obligated to pay any debt.

Also, I am providing this statement pursuant to 15 U.S. Code 1681c ( 2 ) - a consumer reporting agency ( EQUIFAX ) shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

1. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because XXXX has acquired my student loans without proper consent and they are also reporting inaccurate unfair information on my consumer report. I have never done any business with this organization and they haven't provided me with the proper documentation verifying I went into a contract with them, yet they are reporting late payments on my consumer report. This is unfair and a violation of 15 USC 1681 of the FCRA.

I am aware that this organization has assumed this role and I am also aware that 15 USC 1681 states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
This company has acted unfairly and also has violated my right to privacy by acquiring my personal information and also sharing it with 3rd party organizations without my written consent. 
The late payments that this company have furnished are inaccurate because I was a XXXX XXXX XXXX at the XXXX  XXXX XXXX at that period of time and students aren't required to make payments while they are still attending school I simply want these late payments deleted because they are unfair and haven't been verified. 
I am hereby requesting my investigative consumer report to show valid proof that this account is being reported accurately. 
Keep in mind under the FCRA 15 USC 1681d- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Credit reporting or other personal consumer reports

reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX. Along with XXXX TransUnion and XXXX are reporting these unauthorized inaccurate accounts : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX, XXXX, TransUnion and asked for them to investigate & remove the inaccurate account from my consumer report that they are XXXX reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Payday loan, title loan, or personal loan

The amount financed was {$900.00} and total I'll have to pay back is {$3700.00} I paid on time every two weeks, the last few payments were {$300.00} XX/XX/19 and {$180.00} 0n XX/XX/19 {$190.00} 0n XX/XX/19, {$200.00} on XX/XX/19
Product: Mortgage

Called XXXX servicing about payments which are varying month to month, they claim interest is accruing depending on the month. Also paid a late fee specifically to account and company claims it will go towards next month payment? Also company has discontinued all mortgage products and will not provide customers any reasons why. Company has not sent any correspondence in writing.
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports I noticed that you are alleging accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report.
Product: Credit card or prepaid card

Never been late for payment. For XX/XX/2020 my minimum payment is {$700.00}. I called American Express Twice asking for an explanation ( XX/XX/2020 ) They did not give me an answer. The best answer was that the minimum balance is 2 %. My balance is {$2000.00}. My card is a no preset spending limit. And I learned that they put the account in a limit of {$2000.00}, I did not get that information in advance. My intention is to pay the {$700.00}, but I have XXXX XXXX, can not walk etc. This kind of charge create stress to the .people.
Product: Student loan

I received a document today ( XXXX XXXX, XXXX  ) with an update to my monthly student loan payments. I applied for the SAVE repayment plan, which has been tied up in courts and, as a result, MOHELA has placed my loans in forbearance. After receiving the document today stating that my payments are to resume XX/XX/XXXX and, in the Standard Repayment plan, my payment is {$3000.00}. I contacted MOHELA and listened to a recorded message that stated anyone who applied for the SAVE plan has had their loans placed in forbearance until the issue makes its way through the courts and, if anyone receives a letter from MOHELA with updated payment information, they should ignore the letter as their loans will continue to be in forbearance. 

Not trusting any student loan servicer, I requested a call back. The rep who called me stated that my forbearance ends XX/XX/XXXX and that I should call back on XX/XX/XXXX so that MOHELA will extend my forbearance another 60 days. When I inquired about the recording stating that people should ignore the notices of payments due, she advised that doing so would cause me to have a delinquent payment and result in a negative report on my credit score. She went on to state that, eventually, MOHELA would manually put my loans back into forbearance and that the delinquent report on my credit would be dismissed. Ummm ... .that 's shady .... 

Furthermore, I told the rep that I am looking to buy a home next spring and asked, if my student loans were still in forbearance due to the SAVE plan still being held up in the courts, would MOHELA provide a letter stating that, through no fault of my own, my student loans are in forbearance and provide an estimate of what my payments should be. She stated that MOHELA would not do that ; however, when I spoke to a MOHELA rep in XXXX, she advised that MOHELA would provide that letter to me. Why are MOHELA reps providing contradictory information to borrowers? Not to mention, I can't apply for any other income-driven repayment plan while the SAVE plan is tied up in the courts and, thus, I will be prevented from buying a home. Is this not a form of disenfranchisement?
Product: Debt collection

Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to my verification letter. I sent a certified verification letter to XXXX XXXX XXXX XXXX on XX/XX/18. I still haven't received a response.
Product: Debt or credit management

on XX/XX/XXXX, I contacted customer service to explain why my bank account has been charged around {$200.00} and that only {$65.00} reflects in my BrightMoney account. Customer service said they would send me a list of expenses and never did. I tried to cancel my account and they never did. I just want my money back and my account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company at the beg. of XXXX to unfreeze my account, after contacting the multiple times they finally said it was unfroze on XX/XX/2022 so i applied for a XXXX XXXXoan with the bank who stated and sent info that my credit is blocked and or no credit report which has cost me money I have contacted Transunion since then and all they say is a XXXX will call you back in 5days and then the XXXX does nothing my report states your Transunion credit report freeze status is unknown & to call the XXXX which takes me back in circles
Product: Debt collection

Reached out to get an itemized statement for amount being reported on my credit. Received letter from credit company Aargon and statement was not an itemized bill including services and exams that we supposedly billed for. Letter looked to be forwarded from hospital but only had one line in bill area stating XXXX XXXX  visit and total amount owed. Nothing was broken down as to what was performed on so called visit to XXXX XXXX
Product: Vehicle loan or lease

On XXXX XXXX 2023 I apply online at XXXX XXXX Florida XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX FL. XXXX, to obtain extension of my own credit on a XXXX  XXXX XXXX XXXX with Last XXXX XXXX # XXXX with MSRP of {$28000.00}. The dealer run my credit with XXXX Credit Report, where company Ally Financial got a copy of my credit report and I was denied for credit. No one from dealership give me papers or answer of why I got denied, at this moment of my complaint, on XXXX XXXX 2023, neither someone from the dealer or Ally Financial had contact me. I had attached evidence that my credit was pulled by Ally Financial with XXXX credit report.
Product: Bank account or service

Consumer Information Date Filed : XX/XX/2017 XXXX XXXX XXXX XXXX UNITED STATES Daytime Phone : XXXX Evening Phone : XXXX Fax : Email : XXXX ( email ) Business Information Business ID : XXXX Name : Citizens Financial Group , Inc . 
Address : XXXX City : XXXX State/County : XXXX Zip/Postal Code : XXXX Business Phone Number : ( XXXX ) XXXX URL : The consumer indicated that they WOULD speak to the media about this complaint. 
Complaint Detail / Problem Complaint Type : Service Issues Problem : I had to send a {$25000.00} check from an insurance company on an insurance claim to Citizen 's bank as no one at their local branches could endorse the check. I can not talk to anyone in the department that handles this. My check is now somewhere at the main office, and there is absolutely no one who can tell me where it is, who has it, and when they will return it to me, and how they will return it to me. I have a call into the office of the chairman, hotline, escalated help line, what a joke. I am dealing with XXXX, that is rude and condesending. She told me she will get back to me within two days. I asked if she could call the department and talk with someone, instead of sending a email. She will not call the department, it is all by email.I would imagine someone might be able to walk into that department, and talk to someone there if they really wanted to help their customers. 

I tried to deposit the check on XXXX. This is XXXX, the XXXX. Unbelievable. I can tell you I will move my checking account and loan to another banking organization that does not treat 20 year business customers like this. 

Desired Resolution / Outcome Desired Resolution : Finish the Job Desired Outcome : To overnight my check back to me, and/or deposit it to my account. The problem is I will be getting other insurance checks for this claim and have to go thru this all over again. So this entire situation will happen again soon as I receive more checks from the insurance company. This is insane, that they expect their customers to send large checks out to them, and not know who has them and how and when they will be returned. 

Complaint Background Not all of these questions are required. Please provide as much information as you have. 
1. Product/Service Purchased : banking 2. Model Number : 3. Contract, Account, or Policy # : 4. Order # : 5. Purchase Date : XX/XX/2017 6. Date Problem First Occurred : XX/XX/2017 Dates you complained to the company/organization 7. First Date : XX/XX/2017 Name of Sales Person 13. First Name : 15. Last Name : 17. Purchase Price : {$25000.00} 18. Disputed Amount : {$25000.00}