23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I co-signed an automobile lease for a new XXXX XXXX with my adult daughter in XX/XX/XXXX. The lease was with Southeast Toyota Finance aka World Omni Financial Corp. My daughter drove the car and made the $ XXXX monthly lease payments on time. She was involved in an accident in XX/XX/XXXX and the car was deemed a total loss. She continued to make her lease payments as directed. In XX/XX/XXXX, our automobile insurance company, XXXX, paid {$13000.00} to World Omni Financial Corp. World Omni claims that on XX/XX/XXXX it mailed one {$800.00} final payment invoice ( which they say was the difference between the XXXX payment and the actual value of the car ) to my daughter 's address and posted a copy to my address. World Omni Financial says the due date was XX/XX/XXXX, less than 30 days later. Neither my daughter nor I received that bill in the mail from World Omni Financial and they did not attempt to contact us about any past due amount using the multiple email addresses and phone numbers they company has on file for each of us. Instead, without a second notice or attempt to communicate, World Omni Financial listed the debt as a " charge off '' and reported the account as delinquent to the XXXX credit bureau. I learned about the matter when my credit protection service alerted me to the delinquent account report, a first ever on my more than 40 year credit history. Though World Omni Financial had already written off the debt by the time I contacted them, I subsequently paid it off through a third-party vendor they use -- XXXX XXXX ( confirmation # XXXX ). Had World Omni Financial called or otherwise attempted to contact me before all of this, I would have paid them what was owed. I always do.
Product: Credit card

MACYS STORE GAVE ME A STORE CREDIT CARD FROM CITY BANK, THE CREDIT LIMIT WAS XXXX DOLLARS, LATER I DECIDED NOT USE THE CARD AGAIN AND THEY REQUESTED FOR THE BALANCE AND I PAID THE BALANCE IN FULL TO THEM BUT THEY HAVE PUTTING THE AMOUNT ON MY CREDIT RECORD THAT I OWE THEM WHICH IS NOT BUT SOME MEANS TO TAKE ANOTHER MONEY FROM ME. 
I CALLED THEM AND THEY CONFIRMED THAT I DONT OWE THEM SO THEY WILL TAKE IT OFF BUT IS BEEN THREE MONTHS NOW AND IT IS STILL ON MY RECORDS.SO I WANT TO CHARGED THEM FOR FALSELY SPOILING MY CREDIT RECORD AND AGAIN MISLEADING ME THAT, THEY WILL TAKE IT BUT DID NOT. 
SO PLEASE HELP ME TO SOLVE THIS ISSUE, IT HAS DAMAGE MY CREDIT STORE FALSELY.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 a mobile check was deposited into my account from XXXX XXXX account from XXXX for XXXX. This was at pnc bank in XXXX Delaware. It was deemed a fraudulent check after five days but pnc released the money before the check cleared and the  money was taken. They have held me liable for this and have taken my paychecks for the past month. In turn I may lose my home and car now due to this, I have called now three times to speak with a branch manager and no one has contacted me. I really need help with this matter
Product: Student loan

I received a private loan before XXXX that was transferred to Navient and now is being transferred to XXXX. The original amount of the loan was XXXX XXXXXXXX and my interest accrued is twice the amount I originally owed. All Loans ( Navient ) XXXX XXXX XXXX XXXX XXXX. I initially paid the loan payments after a year I believe but went back for my XXXX XXXX XXXX It was in deferment for a while because my degree took a long time. By the time my loan was ready for payment the amount had doubled. I challenged the amount but I did not understand the response and thought it usurious. I began paying it back at the previous company before I graduated in XXXX because I was told that I could not receive any further deferments. Now it is being transferred again and I believe I need a full audit or whatever need relief in this loan because I am now XXXX and the interest charges and payments will be challenging as I need to retire. I also believed that the original company overcharged me, but I did not possess the financial acumen to counter the dispute. The previous loan information is not on the site and my institution just reinstated offering the degree I received. Please help, I need relief. The amount that I am paying also keeps increasing. The original loan information is not available and this loan is more than 10 years old. I can not even remember who it was with. Thank you!
Product: Credit card or prepaid card

In XXXX XXXX, I received a call from Wells Fargo claiming that I had an overdue credit card charge for {$77.00} to XXXX XXXX, that had accrued approximately {$80.00} in late fees and interest. I told them I had not received any statement to that effect, and in fact had not received any statement at all from them for many months ( I never use that card except at locations that do not accept my XXXX card, which are very rare ... here once in 9 months ) After checking they told me that the mailing address on my account had been changed for XX/XX/XXXX, to a XXXX XXXX address ( I'm in Hawaii ), and all billing and notifications had been going to that address. I asked them how they could change the account billing address without confirming that change with me, the account owner. They said they couldn't tell me, because they couldn't confirm my identity. Talk about absurd hypocrisy! They could change it for a fraudulent impostor, but couldn't tell the authentic owner how or why. 

That person on the phone said they would wave the fees and interest and send me all the statements since last XXXX when they had started sending the statements to the fraud initiator. 

Two weeks later I had not received those statements, when I got another call from Wells Fargo telling me that I owed the the service charge PLUS the fees and interest. I said the last guy said the fees and interest would be deleted because fraud blah blah blah and he said, okay, we'll send the statements again. A week later i got the statements, mailing date XX/XX/XXXX, three weeks after the first guy said they'd mail them to me. 

Of course, as now expected, this final statement said I owed the {$77.00} dollar charge PLUS INTEREST AND FEES! You can't make this XXXX  up! So I gave up. I'm not paying for costs incurred by them for fraudulently changing the address on the account without my approval. 

Today ( XX/XX/XXXX ) I got another call from Wells Fargo. Same XXXX. I owe them the {$77.00} plus the late fees and interest. Ridiculous. I doubt anyone can straighten this out with these totally incompetent XXXX, but what else can I do? Talking to them makes no difference at all, as they never do what they say they are going to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a negative " account '' that I am unaware of and have not been contacted about. I have no knowledge of this. They have allowed other collection agencies to report this same information in the past and don't seem to be learning anything. It's a revolving door with this incompetent company.
Product: Credit card or prepaid card

I completed an online purchase at XXXX XXXX with their branded card. They use Citibank to issue and process their cards. I have been double billed and the online department the credit department are playing the blame game. They each tell me the other needs to correct the issue. Neither is correcting the error.
Product: Credit card or prepaid card

I have a card with Discover. A charge was declined today ( XXXX ), so I called them. Discover customer service told me my account was restricted until they verify some information on my account. They emailed me an authorization form ( IRS 4506-C ) that would allow them to request my tax return from the IRS. They told me my account would be closed if I don't do this within six weeks, and that there is no alternative process. 

They said they would use this process to verify my name, social security number, home address, and birth date. I believe they can verify name and SSN this way. Their attempt to verify my home address will fail because Discover has my current address while the IRS has my previous address where I lived when I filed my taxes, which I don't think is an unusual state of affairs or unreasonable. I don't believe they can verify my birth date this way at all. 

Aside from that, I am much more concerned with the privacy implications here. By demanding direct and uncensored access to my tax return, they are going to receive far more information than they need. They will see my spouse 's name and SSN, our incomes, how many children we have ( or claimed, at least ) and how much we spend on their education, our bank account numbers from the direct deposit form, our other credits and deductions, and much more personal and private information than I can enumerate here.
Product: Checking or savings account

I open the account online and didnt know that the bank was not in my area but I was fine because it was suppose to be a virtual spend account I thought by the name which is virtual wallet meant everything was done online anyways so I made my opening deposit and submitted my documents and was verified for the account but a few days later my account and my funds was placed on hold for no apparent reason I called many times and was told that the person putting a hold on my account will get back to me and I waited but the person never called then today I finally talk to her and she asked me to go into a branch and verify myself but the problem is that theres no branch near me so that was it she just said she closing my account.. I asked and even offered to go to any bank of their choice and bring my dicunents but she refuses to help and kept adamantly telling me that shes closing my account I dont even know what I did wrong and she never gave me an explanation why I was targeted in the first place now I feel like maybe because of my XXXX descent I was targeted..
Product: Debt collection

Before attending the appointment at Remex Inc, the attendee stated that her car insurance was responsible for the charge however the receptionist agreed that the auto insurance was responsible for the charge. The attendee made it very clear that if she made the appointment she would not pay for the visit and the receptionist agreed that she would not have paid for it. Months later the attendee receives a bill that she owes a remaining balance of XXXX which she does not pertain to according to the receptionist and her insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

16. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

17. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

18. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit card or prepaid card

I contacted Citi by phone on XX/XX/XXXX and requested a replacement credit card for a new card ( ending in XXXX ) that was never received in the mail after being approved for it. I was told that a card would be expedited. I then called Citi back on XX/XX/XXXX and was told once again that a card would be expedited to me. The card never arrived after attempt # 2. I then filed a complaint with the CFPB. On XX/XX/XXXX, XXXX XXXX from the Executive Response Unit stated in writing that a card was expedited to me on XX/XX/XXXX. That card never arrived after 3 different attempts, so I filed another complaint with the CFPB on XX/XX/XXXX. I finally ( miraculously ) received a new card on XX/XX/XXXX while out-of-town in XXXX XXXX for a major trade show ( my signature wasn't provided nor has the card been activated at time of this complaint ). 

On XX/XX/XXXX, XXXX XXXX informed me that I only have 4 days ( XX/XX/XXXX ) to initiate a balance transfer even though I don't have the card in my possession yet ( I am still in XXXX and the XXXX envelope is sitting on my porch ). 
I made several attempts to receive a physical card so that my account could be set-up. Telling me I only have until XX/XX/XXXX ( 4 days ) to do a balance transfer is unjust ( and illegal ), especially since I haven't been able to utilize or take advantage of the offer due to delays and negligence on Citi 's part. Why wasn't the card expedited back in XXXX after two separate attempts? How about XXXX? What exactly happened? Why weren't the cards sent as promised? Was it my fault? How was I able to take advantage of the advertised promotion without a physical card in place? 

I have never had this issue with XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, or XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426- character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXX  - XXXX - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXX XX/XX/year>
Product: Mortgage

Several years ago we submitted a request for a loan modification to JP Morgan Chase. At first we tried on our own but go no where so we retained an attorney to assist us. The problem is that while we ( and the the law firm that was assisting us ) submitted EVERY piece of documentation that was requested of us in a timely manner and evidently they sat on someone 's desk or somewhere in the JP Morgan Chase office and not done anything with. Then they turn around and deny the request stating that they did not receive the requested documents in a timely manner. AND they also accuse me of lying, when I told them that I was making the temporary payments that were set with for us ( which is documented ) I called them in and after making several payments I tried to call one of the consecutive monthly payments in and the representative that I spoke with said that she could not accept the payment since the loan was under modification review. Wth?, That is why we had temporary payments set up. I provided them with the name of the person that I spoke to and the telephone number that I called but they will not even research that. 
I am so over them accusing me of lying and the fact that all they do is claim that the foreclosure on our home was legit and by the guidelines. Well, it really was n't when we did everything that was requested in order to save our home. 
They also sent mailers on a regular basis stating how they wanted to help us " save our home '' but did nothing to help and ended up leaving me homeless. 
They offer no resolution for their lack of doing anything to honor our request when we did EVERYTHING that was requested of us and in a timely manner. If they were never going to help us ( as they evidently knew they would n't ) they should have just let us know that there was not a chance of obtaining a modification. 
Since then they have sold our home to someone else after the erroneous, inconsiderate and unjustifiable foreclosure. I have reported this numerous times and will continue to do so until a satisfactory resolution us offered to us. We have nothing left to lose since they made me homeless so I will continue until something is done about this. They are a money grubbing XXXX company that screws people over that are trying to save their home and should have to answer for their horrible customer service and lack of investigation of reported claims rather than accuse me of lying about what I am reporting. 
All we want is an offer of a satisfactory resolution. It will continue to be reported and I will not stop until one is offered and accepted!
Product: Mortgage

Planet Home Lending Loan # XXXX XXXX for lower payments on XXXX XXXX closed sign loan docs for {$1500.00} payments. 
Had existing XXXX XXXX - XXXX XXXX per year {$3100.00}. 
On XXXX XXXX Planet Home Lending increases payments to {$2200.00}. 
Filed complaint with CFPB. resulted in lowering payments to {$1900.00} XXXX XXXX. 
Planet Home Lending has sent numeous Delinquency notices that I am delinquent for {$3800.00} XXXX XXXX and XXXX XXXX. 
My recorded payments have been for XXXX {$1500.00} XXXX {$1500.00} XXXX {$1900.00} XXXX XXXX requested for XXXX or open balances called in - they said a Customer Service Manager will call me. 
XXXX XXXX requested for XXXX or open balances called in - they said a Customer Service Manager will call me again. 
XXXX XXXX requested for XXXX or open balances called in - they said a Customer Service Manager will call me again XXXX XXXX spoke with XXXX - she stated again that a Customer Service Manager will call me again his name is XXXX ... he gets in at XXXX Eastern Time. 
They have not sent an allocation of cost or diff in payments owed ... only delinquency payments.
Product: Credit reporting or other personal consumer reports

There are 5 inquiries on my credit report that I did not authorizes and need to be removed. Here are the list of them : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit card or prepaid card

The credit card 's annual membership fee posted on XX/XX/2020 of {$140.00}. I called in and spoke with a representative and informed them I was not interested in paying the annual fee and did not want to renew for another year of membership and told them to close my account. The representative proceeded to close my account. The representative made no mention that I still had to pay the fee that is on the account. I called the bank back 2 weeks later since I still see the fee was still in the account and not refunded back, even though my account is now closed. The representative I spoke with now advised that I have to pay the fee and that they can not remove it and that they can not do anything because their hands are tied. I even asked to speak with their manager, and they would not let me speak with their manager and also advised they can not do anything. As a result, I am being charged for something that I will not be receiving any benefits for. This is basically the bank stealing from their customer. I am being forced to pay for the annual fee where I will not be receiving anything back.
Product: Mortgage

I purchased my home in XX/XX/XXXX, for XXXX, PMI should have come off at 80 % XXXX XXXX. I refinanced with Quicken Loans in XX/XX/XXXX balance of XXXX, no cash out, they did not do an appraisal, original purchase price is what they used when I refinanced, now they will not remove my PMI and the balance is XXXX. They say the original price they base it off of is XXXX, but still the online estimates all say my home is between XXXX and XXXX. How can they illegally change the value of my home so it looks good in their books.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did a observation of my own involving my consumer report and I found inaccurate, unverifiable, unauthorized and questionable items on my consumer report.Each credit reporting agency must make sure they are reporting 100 % accurate by law.XXXX, transunion, and XXXX are in violation of my consumer rights as they have inaccurate, unverifiable, and unauthorized items on my consumer report as they have items that on my report that dont match up with the other bureaus consumer reports of me.