23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I entered into a 72-month auto loan with Capital One Auto Finance on XXXX XXXX, 2010. I have had XXXX payment deferments which extended the loan terms from 72 months to 75 months. I get my final statement this month and they claim i owe and additional XXXX!! Well first of all I called them to explain that i should not owe an additional amount due to this is a loan and not a lease there should be no residual balance on a purchase. Then she tells me its the interest. I them tell her NO MA '' AM the payments are set up to to deduct monthly a certain amount goes to interest and the balance to principal.. ( I am no dummy ) I asked for the transactions on my account to be mailed to me. I also explained to her that there is no mathematical way i should owe an additional XXXX I asked to speak to a Manager to resolve and said one would call me back ... ... I am still awaiting that call. Granted the interest rate was high, but i have made every payment. ( XXXX of them!!! ) They would like me to believe its interest but i know better. This is their way of getting over on consumers who were credit challenge at the time of the loan. My original loan was for XXXX@24.35 APR which mean i have paid them XXXX in interest alone!! total paid XXXX!! I refuse to be taken advantage of, and this is what they are doing. If my interest or loan terms changed during the course of these long 6 years I should have been contacted. I do n't want this to happen to another hard-working consumer. I will continue to call them on a daily basis until they resolve. I will continue to complain about their shady business practices to anyone that will listen. All I want is my title! I have earned it! I have paid for this truck 3 times over!! I have kept my end of the contract paying XXXX for a truck not even worth XXXX right now.
Product: Mortgage

MY HOME IS FINANCED THROUGH DITECH MORTGAGE, IVE HAD A NUMBER OF PROBLEMS LIKE EVERYONE ELSE, BUT IN XXXX I HAD TO FILE A CHAPTER XXXX, AFTER THEY KEPT HARASSING ME KEPT SAYING I MISSED PAYMENTS, CALLING MY FAMILY MEMBERS IN THE ARMY WHO HAS NOTHING TO DO WITH MY ACCOUNT, EVEN MY AUNT ON MY DADDYS SIDE, SO I HAD TO CALL THE XXXX   ABOUT THIS, SO THEY WERE TOLD NOT TO EVER CONTACT ME UNLESS IT WAS IN WRITING, SO THEY ARE UPSET TRYING TO RETALIATE AGAINST ME, IM HAVING REPAIRS FROM THE STORM DONE ON MY HOME RIGHT NOW, WATER DAMAGE AND ITS POSSIBLE MOLD IN MY HOME, SO I HAD BEEN TRYING TO TALK TO MY INSURANCE COMPANY THE ADJUSTER XXXX XXXX, WITH XXXX   XXXX TO SEND THE MONEY FOR THE REPAIRS, HE KEEPS STATING THEY SENT THE MONEY, I SAID I DONT HAVE IT, SO FINALLY HE SAID CHECK WITH THE MORTGAGE COMPANY, SO ON XX/XX/XXXX I DID I SPOKE WITH A LADY NAME XXXX, WHO THEN TRANSFERRED ME TO THE CLAIMS DEPT, ( XXXX ) I TOLD HIM WHAT THE PROBLEM WAS HE STATED THAT THEY HAD THE CHECK THAT WAS IN QUESTION FOR XXXX, THAT THE ADJUSTER KEPT SAYING THAT HE ALREADY SENT ME, I KEPT TELLING HIM NO I DONT HAVE IT, I HAD THE ROOF DONE, AND THE ROOFING COMPANY WAS GIVEN XXXX FOR THE ROOF AND THE OTHER PART WAS FOR THE REST OF REPAIRS INSIDE, SO WHEN I SPOKE TO XXXX AT DITECH ON XX/XX/XXXX SHE STATED THEY HAVE THE REST WHICH IS XXXX AND THATS BEEN OVER A YEAR, SHE SAID OH WE WERE INTENDING TO SEND IT BUT I DONT KNOW WHY WE DIDNT, BUT YOU WILL HAVE IT IN ABOUT 5 DAYS, SO FAR NO CHECK, I CALLED BACK ON XX/XX/XXXX SPOKE WITH XXXX SHE STATED THEY PUT A STOP PAYMENT ON CHECK, STATED THAT SHE SAW IN COMPUTER THAT THE CHECK HAS BEEN RE PROCESSED AND I SHOULD HAVE IT BY XX/XX/XXXX, NO CHECK AS OF TODAY YET, THE CONTRACTOR HAS COMPLETED THE WORK AND WANTS HIS MONEY, SO EVERYTIME I CALL THIS RUDE LADY NAMED XXXX ANSWERS THE PHONE, HARASSES ME RUDELY, THEY WILL NOT EVER LET YOU SPEAK TO A SUPERVISOR, AND IM SICK OF THESE PEOPLE, IVE PAID INSURANCE ON THIS HOME SINCE XXXX, THIS IS MY FIRST CLAIM, IVE BEEN GIVING THEM ALL MY MONEY OVER 20 YRS NOW, I SHOULDNT HAVE TO DEAL WITH THIS XXXX.
Product: Mortgage

I am a XXXX Veteran whose down on his luck, I am unemployed, I 'm in the arrears 10 months, and I am extremely frustrated with SLS my mortgage company. I applied for assistance back in XXXX XXXX when the loan was with XXXX, I checked the box, to keep my house, SLS picked the loan up in XXXX XXXX, and I still have not had a reply on my plethora of applications for assistance. I 've done everything they 've asked me to do in some cases twice ; I 'm at my wits end. My relationship manager has changed 3 times, XXXX is the latest, and sadly every time I call I get several prompts, only to hear a recording saying XXXX is not here today. I have left my phone # several times for a call back, the outgoing message indicates I will receive a call back within 24 hours and it never happens. I 'm having trouble sleeping at night, not knowing what is going on their end. I filed for assistances over 7 months ago, and after sending me endless letters asking for this form and that form, which I send everytime, but still no reply on what assistance program I qualify for. This is extremely upsetting to me, I want to stay in my home I 've lived in for over 17 years, I have gone XXXX, so that I can find a job, sadly I lost my job back in XXXX to no fault of my own, and I have cooperated fully, I 'm looking for a job. I 'm doing everything in my power to keep my house and get back on my feet.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed inaccurate account reporting. I filed ftc report because this account doesnt belong to me and nobody is helping me to get this removed.
Product: Checking or savings account

I hope this email finds you well. I am writing to you today with a heavy heart and a sense of desperation regarding an incident that has profoundly affected my life. 

I am an XXXX XXXX from XXXX who came to the United States in XX/XX/XXXX, determined to pursue my education and build a better future. Since XX/XX/XXXX, I have been juggling the responsibilities of being a XXXX  and a XXXX XXXX, striving to make ends meet and contribute positively to my community. 

On XX/XX/XXXX, I became a victim of wire transfer fraud, losing {$20000.00} from my Chase Bank account. Considering my background, this is an astronomical sum for me, as my family of XXXXXXXX XXXX on an annual income of just {$5000.00}. The stolen money represents a generational wealth for us, and its loss has devastated me. 

Despite my immediate efforts to report the fraud on XX/XX/XXXX and seek resolution, Chase Bank denied my claim. They suggested that I either approve the transaction or benefit from it, which is untrue. The impact of this incident on my life can not be overstated, and I feel an immense injustice has been done. 

With its {$13.00} XXXX in net profits last quarter, Chase Bank may consider {$20000.00} inconsequential, but for me, it is a life-altering amount. 

Could you please help me with this situation?
Product: Debt collection

I received a packet of papers from the company XXXX XXXX XXXX XXXX. XXXX ( XXXX ), dated XX/XX/XXXX, stated that I took out a loan for {$2500.00} under the creditor UPLIFT. When I called and asked what the company is known for ( Uplift ), they stated they are a company that gives out vacation loans. I have never took out a loan for anything but school and my car. They stated one payment was made for {$280.00} when they loan was request in XX/XX/XXXX but it was not my credit card number. They have no proof of a contract or anything signed to allow my permission. I now have a past due bill in collections currently dropping my credit score for something I did not purchase.
Product: Checking or savings account

I had {$6000.00} stolen from my Chase Bank Account in two separate {$3000.00} transactions. I was able to get the money back from my bank, but am still unsure of how the money was stolen in the first place. XX/XX/2022 is an estimate of when the money was taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a HELOC with Wells Fargos that was paid and closed in XX/XX/2016. Wells Fargo continues to report this account to XXXX even after an agreement was made no negative reporting would be done after payment and closure. After several attempts to talk to Wells Fargo, they refuse to stop reporting this closed account credit bureau. 
This account was paid and closed over 5 yrs ago and should not be reported. They report every month dropping my score.
Product: Debt collection

XXXX is XXXX to collect money for an account that is not mine, this is the XXXX collection XXXX XXXX XXXX hired to collect an account that was fraud, I need this to stop and be removed from my credit reports all XXXX of them. XXXX is fraud and they have to stop trying to collect on an account i don't owe
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App ( Block , Inc. ) for insufficient customer support and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App did not take prompt and effective steps to prevent or address fraud on their platform, leaving my account exposed and unprotected. Additionally, their dispute resolution process was both unfair and misleading, failing to comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have caused considerable inconvenience and financial harm, and I am seeking appropriate remedies for these issues.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXXXXXX XXXX  due to their failure to properly validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXXXXXX Balance Owed : {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 key bank was trying to collect against me on a totaled vehicle. I took them to court and their counter claim ( the outstanding balance ) was dismissed with prejudice by the judge. Key bank instead of removing it from credit as they were supposed to. Key instead moved it to a charge off collections account which shows as derogatory on my credit. On top of 4 years impacting my credit I am now realizing damages while trying to finance a vehicle. Key have been slow to respond and unwilling to correct the issue in any reasonable amount of time.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my credit report.Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I am a long term, loyal customer of XXXX XXXX. I have been devastated and hurt by XXXX XXXX and I am reaching out to you because I can not seem to get help through customer service without excuses, multiple dropped calls, transfers, and red tape. <P/>In XX/XX/XXXX, I had a mortgage with XXXX loan # XXXX. I had a short sale which involved extenuating circumstances. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Three weeks later there was a copycat incident next door ; however the parolee was arrested and sent to prison. Needless to say my property value plummeted. I continued to make payments for nearly a year and was advised that in order to do a short sale I had to stop making payments. Up to that point I was making payments on TWO XXXX mortgages. <P/>The house finally sold as a short sale in XX/XX/XXXX with XXXX receiving ALL MONEY owed. This was not a foreclosure sale although foreclosure process had begun. I worked very closely with XXXX and my realtor. In fact, in the middle of this, XXXX refinanced my other mortgage on my XXXX XXXX XXXX! <P/>Recently I tried applying for a mortgage only to find out that XXXX listed this on my credit report as a foreclosure, completely destroying my chances of a home loan. <P/>I have made numerous calls to XXXX. At one point a couple days ago, someone sent me a letter acknowledging the mortgage was paid in full. I called back to ask for another letter clarifying it was not sold as a foreclosure and was told " no '' because the record was purged! <P/>I am shocked I can not get any assistance from XXXX. I was told that the information on this loan was " purged '' or archived because it was so old. I have been given a big runaround and can not get any anyone to help me. <P/>I tried getting a mortgage from XXXX, and they are avoiding me and not returning my calls. I finally found out from a loan agent in another company that XXXX deemed this sale a FORECLOSURE so a home loan was not feasible. However, I would have qualified for a loan even with the short sale because I have an excellent history of paying my mortgages, and this was a short sale in XX/XX/XXXX with extenuating circumstances. <P/>I would like XXXX to please correct my credit report AND please write me a letter saying that the " property was paid in full and sold not as the result of a foreclosure ''. Please do not deprive me of my right to home ownership. <P/>I would have preferred simply to get a mortgage from XXXX but nothing looks possible now. <P/>I have always spoken so highly of XXXX XXXX, entrusted them with all my accounts, and felt like the institution looked out for me. Even during negative press about bad loans etc I was singing their praises about what an upstanding, honest loyal company you were. <P/>Please help me. The loan number was XXXX The address was XXXX XXXX XXXX XXXX CA XXXX My phone number is ( XXXX ) XXXX. My current address is XXXX XXXX XXXX XXXX CA XXXX Thank you in advance for any help you can offer. <P/>XXXX XXXX ( XXXX ) Sent from my XXXX
Product: Debt collection

I did not receive court documents from the lawyer to advise me of the plaintiff suing me for credit card debt and the lawyer obtained judge order and went to my bank account and garnish my social security check! 
XXXX XXXX doesnt care that it was my social security money neither does the lawyer. If I had received the court order I would have sorted this out. But I never received anything in the mail. 
The lawyer email me the documents after the fact after they took the money from my account! Id like to get my money back as it is my social security and only one source of income. I am XXXX and do not earn any other $ . 
Thank you!
Product: Credit reporting or other personal consumer reports

I applied to XXXX for a personal loan as well as went through the website Credible.com and applied for a personal loan. They reported back to me saying my credit score was way below what transUnion told me it was. My credit score with TransUnion at that time was XXXX. But these companies reported my score which they obtain through TransUnion way lower than my actual credit score which has hurt my credit with inquiries as well as me not being able to apply for any new credit to pay my bills. Credible stated that my credit score was a XXXX pulled on XX/XX/year> through TransUnion. 

XXXX reports that my credit score is XXXX reported on XX/XX/year>. 

Both are not true as I've spoken with TransUnion, but it's still being reported tlby TransUnion these scores to these companies. I have the documents.
Product: Debt collection

The amount just over {$50000.00} was originally owed to Sallie Mae. I paid Sallie Mae faithfully until XX/XX/XXXX when I filed bankruptcy. That bankruptcy was dismissed in XX/XX/XXXX after never being confirmed. I contacted Sallie Mae and resumed repaying Sallie Mae from then on. 
In XXXX Sallie Mae assigned my account to Navient without notifying Navient of ANY previous payments. It's as if I never paid Sallie Mae ANYTHING from XXXX XXXX, and XXXX XXXX when my account was then sent to Navient. Navient says I now owe the same original amount of {$50000.00} plus {$20000.00} additional money DESPITE monthly payments to them of amounts fluctuating from $ XXXX since XXXX. Why hasn't or doesn't that amount change with 6 years of regular monthly payments and why has that total initial amount been raised {$20000.00}? The amount owed does not change and mst often goes Up after payment has been made. I have paid $ 1,000s and $ 1,000s of dollars and have gotten nowhere in the reduction of my current balance.
Product: Credit card or prepaid card

I've had Capital One Credit since XX/XX/XXXX. It was my first credit card and I was beyond happy that I had gotten approved, being that I was fresh from college. Long story short things happened in my life and I lost track of my payment due date one month in particular, XX/XX/XXXX, after having 8 on time payments, I missed that payment. With everyday life circumstances going on in my life, moving to a different city, life as a young mom it was stressful. However, it's now XX/XX/XXXX and I have NEVER missed another payment with Capital one since, and this one missed payment is having a negative impact on my credit and is causing me to suffer from advancing in my personal goals. I've been so loyal to the company that I applied for another Capital One Journey Credit card and was approved in XX/XX/XXXX, and I've never been behind on my payments. I'm just praying that someone can help me out so that I can further my future for the sake of my family. This issue has been a nightmare to me, because I'm really trying to obtain a high profile job with my degree.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$2000.00}. I don't owe anything.
Product: Checking or savings account

I would like to submit a complaint for Capital One Bank for their deceptive advertisement of interest rates for their savings account and request that I am returned back interest payments at the rates they disclosed. 

I was a customer of their Savings account product since 2017. When interest rates rose significantly they changed their product by slightly changing the name of the account type from " XXXX savings '' to " XXXX performance savings '' offering no other incentives than the rate change and did not inform their current customers to avoid having to pay a higher interest rate to their existing customers. They were deceptive because they only advertise having one savings account plan with the higher interest rate and removed the other plan from their website, advertising and all disclosures. The new name appears to be a shortened abbreviation of the first name on the account, intentionally crafted to deceive their current customers. 

When I raised the issue to them, they created a case and admitted to the account change and not informing me, but stated they were unable to return back interest owned to their clients. They said it was the customers responsibility to identify it on their own and move to the new account. 

I believe myself and their other customers that were impacted by their unfair and deceptive practices are owed back interest payments based on their advertised rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX position and I was told that my background check had some criminal history and was denied. My criminal record was set aside in the state of Arizona XX/XX/2016. my rights were restored and I was released from any disability a XXXX would cause me such as the inability to gainfully be employed. I am a XXXX 's level XXXX XXXX   and having my charges set aside is vital for my profession.
Product: Credit reporting

My name is XXXX XXXX XXXX. My ssn. is XXXX I have used the last names of XXXX, XXXX and XXXX.. I have lived in XXXX, XXXX, XXXX, XXXX, and XXXX, and XXXX. I I have notified both TransUnion and XXXX in writing in XX/XX/XXXX and XX/XX/2015, that fraud was on my Credit report. I have never lived in XXXX. My identity was stolen last summer, and student loans and my social security number were compromised. Also, I have asked them to remove the information that is over eight years old. They have done neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed my credit file with Experian on XX/XX/19 in reference to XXXX XXXX XXXX and is showing incomplete/missing account number.
Product: Debt collection

I have submitted XXXX complaints to the FTC regarding Hyundai motor Finance calling my job, after being told I can not receive personal calls. Now, I am going through repossession, and they have given my work number to XXXX XXXX XXXX, after they stated in writing that they were deleting my work number from their system.
Product: Credit reporting or other personal consumer reports

I am in disagreement with this account listed here which still appears on my credit report, even after your investigation. i would like this account immediately re investigated. The inaccuracies are highly injurious to my credit score. 

XXXX account XXXX In accordance with the fair reporting act, public law 91-506, titleIV, section 611 please provide the names and business addresses of each individual with whom you verifed above so i can follow up. Please send a updted copy of my credit report after your reinvestigation.
Product: Vehicle loan or lease

Fraudulent charged on account for car loan with United Auto Credit for XX/XX/2021 in the amount of {$3300.00}
Product: Credit reporting or other personal consumer reports

I was contacted by a debt collector about owing them money on an account that I did not pay. But I did not know anything about the account and that frightened me. I did some research and decided to look at my credit report for the first time. I am not someone that opens credit cards because I am not familiar with credit and how it is utilized. So I decided to not open credit cards until I understand what credit is and how I may utilize it. But after being contacted by the collection agency I went ahead ad did some research and viewed my credit report and I noticed accounts that I never opened were under my name. I contacted my local police department, and they informed me I would have to file an FTC report and a Police report. I also contacted the credit reporting agencies, and they informed me that I will have to file an FTC report submit that to them to resolve this issue. This experience is life threatening because someone has my person information and used it to open accounts.