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

I took out a auto loan with ally auto bank and since I been with them they been charging me high interest fees and when I called to have them explain the break down of my payments they could n't tell me how the interest was being calculated and more than half of what I pay was going to interest charges and nothing towards my car payment. I asked to speak to a  manager a nd the agent refused to transfer me until she said they are not available and someone will contact me within 48-72 hours, which no one called me back. It went on to where I lost my job and was behind on my payment and I told them my situation and they did nothing to help me. They also repo my car without sending me a notice. I called them to find out how and where to get my car back and they did not know where my vehicle was. They gave me  2 wee ks to retrieve my car paying the full amount before they sell it at the action. I made that payment before the given date and when I called to go pick up my car they said they did not know where it was and gave me a number to call the action. I called the action and lucky they did have it already in another city an hour away from my house and ready to be sold. They made a key for it and everything and ally charged me {$300.00} for a key that did not work. Since that I try to contact ally everyday about the issues I have and I keep getting agents from outside the country that keep telling me a  manager will call me back and they will put a note on the account and to this day I still have n't got to speak to a manager ne ither did anyone call me back. If I would have known that they were this bad as a company I would have never financed a vehicle with ally auto bank. I would just like to get my money back and return the vehicle because I feel like I am being robbed.
Product: Vehicle loan or lease

This is additional information on my complaint, basically I need fifth third to send me over all signed contracts for this alleged loan/lease, and all documentation associated with the alleged repossession of the property, I did not receive any of this documentation they are sending me statements and print outs that I dont know what I can do with that, it shows me nothing, I will show a copy of what they are sending me as proof of ownership
Product: Mortgage

i live in a home which my XXXX and i inherited from my parents via a living trust, years ago my parent took out a home equity loan which i have been paying through a checking account that my sister opened ( loan payment automatically deducted ) recently my sister passed away, the funds in the checking account will be reconciled between my brother in law and myself, however when i approached umqua bank of XXXX, Oregon to apply for a review to be named " successor in interest '' as allowed by the garn-st Germain act and CFPB amendments to RESPA and TILA the manager/loan officer told she could not talk to me without court order, when i attempted to provide her documentation about the federal laws mentioned previously she pushed the documentation back across her desk and refused to view them, when if she could call someone with more experience in the matter, she said she would not, i am concerned that the loan payments are not being paid due the checking be frozen upon my sisters death, i do not want my house to go into foreclosure, i have submitted complaints with umqua bank, XXXX and the XXXX. Thank you for your consideration, the events above happened XXXX XXXX
Product: Bank account or service

In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account and spending {$1000.00} on the CitiGold Debit Card attached to the promotion. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, 2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I provided them my XXXX XXXX number so that the bonus points would be deposited at the expected date. 

On XXXX XXXX, 2016, I did not receive my bonus points as promised. 

I was out of the country in XXXX, but after arriving back, I sent a message inquiring about the status of my bonus points on XXXX XXXX, 2016. 

I received a message back on XXXX XXXX, 2016, in which Citi denied me the promotional bonus points. 

Even though I have been assured by Citi representatives that I met the requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. I find this highly suspect that Citi representatives confirmed the promotion to me, yet will not hold their end of the agreement. I would demand that Citi credit my account immediately.
Product: Vehicle loan or lease

XX/XX/2022 i need a personal loan to take care of some personal needs that i had need to take care of. i got on XXXX XXXX to because the always suggest companies to get personal loans from. So, One Main was one of them i applied and got approved. They called me and told me the only way i can get the loan is using my car for collateral i did and Reget it. I recently went through a hardship due to the hurricane. I called the local to let them know I'm out of work and can I apply for a deferment until i get back on my feet. they applied on they told me i have to call to get other for the next month. I called the customer service number they informed me that to get a deferment i will have to pay money. That sound crazy to me because this isn't my 1st auto loan and when you get a deferment you don't pay. i been call at least twice a week this month so I can speak to a supervise to explain my hardship. so today is XX/XX/2022 I called XXXX this morning to speak to a supervisor they informed there no supervisor to speak to she gave me a number for customer complaint. That number doesn't address my issues I call back at XXXX they rep transferred me to a supervise and i told her my situation. She explains to me the same customer policy that i would have to make half of the payment to get a deferment. I told her if had the money I wouldn't need a deferment. I feel like this isn't right they supposed to have a program that helps customer in hardships. I'm making my monthly payment to you faithfully and there way you can help the customer. you rather put me further in debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this on XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have not heard from them either. They didn't send me any validation. I don't remember getting their credit card. I never seen them before.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

The following inaccurate accounts are still being reported : XXXX, account number XXXX, reporting balance of {$880.00} ; XXXX XXXX XXXX account number XXXX, reporting balance of {$2100.00} ; XXXX XXXX XXXX account number XXXX, reporting balance of {$760.00} ; XXXX XXXX  XXXX account number XXXX, reporting balance of {$1000.00} ; XXXX XXXX, account number XXXX, reporting balance of {$970.00} ; XXXX XXXX XXXXXXXX XXXX account number XXXX, reporting balance of {$1100.00} ; XXXX account number XXXX, reporting balance of {$220.00}. 

Additionally, the following unauthorized inquiries remain on my credit file : XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

There are also incorrect personal details tied to my credit profile, including incorrect names and addresses. My report incorrectly lists the name XXXX XXXX XXXX as also known as XXXX, XXXX ; XXXX, XXXX ; and XXXX, XXXX, XXXX. Additionally, my current and previous addresses are incorrect, listing XXXX XXXX XXXX XXXX XXXX, AZ XXXX as my current address, and previous addresses at XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. These errors must be immediately corrected.
Product: Mortgage

I paid the entire XXXX off back in XXXX or XXXX. After it was paid off i started receiving collection calls and e-mails asking why i failed to make additional payments. after my first call it was discovered they put a hold on the account marking the XXXX as {$.00} which forced me to call to gain an understanding. they then informed me i needed to pay a fee to close the account and sent me instructions detailing the fee of ~ {$32.00} which needed to be paid via wire along with the details needed to be included in the memo to correctly apply the payment. 

I paid the fee via wire and included the appropriate account information. shortly thereafter i began receiving additional calls for collection. perplexed i called and spoke with a customer service agent who informed me that Shellpoint incorrectly applied the payment and they were showing partial payment on their end as well as the XXXX of {$.00}. The agent told me they submitted a ticket and the matter would be resolved. weeks later and i received additional calls for collection. i called no less than 5 times trying to resolve the issue- each time the agent told me they escalated the issue and submitted a ticket. 

most recently i received a letter informing me that my loan is in default to do lack of payment. Frustrated, i called i asked to speak with a supervisor, i was connected to XXXX XXXX who verbally communicated that i can ignore the letter of default. she agreed the system was not correctly applying the payment and the matter would be resolved. 

Yesterday ( XXXX ) i received another collection call and today i received yet another email inquiring about my " financial hardship ''. 

at this point i am repeatedly being harassed. As a consumer i am both confused and this is causing me mental anguish and harm. 

i satisfied this loan and owe Shellpoint nothing. Their supervisor, on a recorded conversation informed me as much, yet the harassment continues. 

I need Shellpoint to stop harrasing me and to correct their records to accurately reflect this loan as being satisfied. Also, as i submitted in a qualified written request, i need this account to be closed as i have no desire to ever conduct business with this organization in the future.
Product: Vehicle loan or lease

On XX/XX/2020 i contacted GLOBAL LENDING SERVICES for clarification on why my application for credit was denied. I was given a multitude of answers in which none made any possible since to me. One representative informed my my application was approved, but for only a partial amount of the debt created. As i asked for a supervisor i was then told that they never received an application after i gave the same gentleman the application number i received directly from the sales manager. In addition i informed both individuals that i was the comsumer and creditor within the transaction and also that i was the entitlement holder over the account of the participant. For even more clarification i then asked the sales manager at XXXX XXXX was the application considered in-house financing in which he replied yes. After relaying the information back to Global lending services they claimed they never received or approved any contract or application applying to me when i just furnished the information indicating such fact. They also required a fee to release any credit or approval to me in which i understand is a violation under title 15.
Product: Credit reporting or other personal consumer reports

I am disputing fraudulent accounts that were opened in my name without my consent. Despite submitting a dispute, these accounts remain on my credit report, violating 15 U.S.C. 1681c-2. I request their immediate deletion.
Product: Debt collection

I have two insurance companies since XXXX. Both cards were submitted at the time of service. After my first insurance pays State XXXX picks up what is left. Ive contacted the credit bureau many times over these bills and I get the same reply every time its too late to bill for these charges. It isnt my fault that they didnt bill the insurance companies properly. They have a charge from XXXX and the same reply its too late to bill the insurance. Im XXXX and on a very limited income. I would and do pay my bills I owe but all these XXXX charges arent my responsibility. I hope you can help with this situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request to put a security freeze on my credit report. I'm also opting out of LexisNexis, XXXX XXXX, XXXX reporting. Under the FRCA you are required to comply. At this time I'm requesting a security pin be sent to my email address. XXXX. and only lifted per my request.
Product: Credit card

I hired a service provider to develop a website for me and this never occurred. I then contacted the XXXX credit card company 's ( I paid the bill using XXXX credit cards ) and told them about the situation. Both credit card companies opened up disputes and XXXX credit card company XXXX citibank XXXX after 90 days said that they could no longer offer me assistance because it was past their time frame. The other company XXXX XXXX XXXX said that no billing error has occurred and that the merchant has shown that all billing information matches my information and that I was working with the merchant for website development. Obviously this is the case, since I hired them and gave them my credit card information. I gave XXXX credit card companies ( Citi Bank and XXXX XXXX all of the information that I could. CitiBank is trying to hold me accountable for almost {$2500.00} and XXXX for almost {$1500.00} I called the merchant and they too, are unwilling to help me with the situation.
Product: Credit reporting or other personal consumer reports

I want to emphasize that this complaint is not a mistake. My credit report contains inaccuracies that have not been verified to ensure maximum accuracy. These errors are placing a heavy burden on me, impacting my life in ways that are difficult to put into words. During these challenging times, correcting or removing these inaccuracies would mean so much to meit would truly be a relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being filed because of the constant non-compliance of Experian. I have attached proof of letters sent to them that was ignored or not read by a human being. On XX/XX/2022 I mailed a letter to Experian challenging the accuracy, compliance and reportability of ACCT # XXXX XXXX XXXX XXXX. I recd no response. On XX/XX/2022 I wrote another letter and mailed it certified to Experian informing them I had recd no response and pointed out to them inaccuracy being reported. I requested account be remove due to inaccurate reporting. Also, Experian failed to validate the account in allowable time I also pointed out the inaccuracies. The account number was different from XXXX and XXXX so I requested correct account number. The address given for the alleged account owner was also inaccurate and different from XXXX and XXXX. On XX/XX/2022 I received an email from Experian that the account was verified accurate and updated. On XX/XX/2022 I mailed a certified letter to Experian Attn : Dispute Manager I explained Experian left me no choice but to file a complaint with the CFPB, Attorney General, XXXX and XXXX against XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to they were in non-compliance and also in violation of the HIPPA Law. I also sent the letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they had sent a letter to the credit reporting agencies for deletion of the account. Why is this account still on my credit report? When I sent proof.
Product: Credit card or prepaid card

This account belonged to XXXX  XXXX XXXX  and has not provided the correct balance regarding this account.I received a letter and a spoke with a representative sometime inXX/XX/XXXX-XX/XX/XXXX and was advised that all of the transactions were credited and that they did update my credit report to remove the late reporting for the fraud charges, agreed to close the account and issued permanent refund. Then I received a bill huge bill and I had no Idea of why. This merchant agreed to do a reasonable investigation for fraud that was done on my account. They removed fraud charges, agents advised that the credits were permanent. The company also sent a letter stating that the the past due history was updated and all fraud charges were removed. XXXX XXXX also agreed to delete the account. However, XXXX XXXX sold the account again and there is a claim that there is a balance of {$800.00} for a credit limit that was only {$400.00}. My fees and interest have not been properly issue doing the investigation and nor did they dispute all of the charges as being fraudulent. In XX/XX/XXXXthey did agree and removed the XXXX XXXX account but now there is a company that I did also advise that I should not responsible for this account due to the fraud that was done because the card was lost/stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: credit card not mine XXXX XXXX  Reported: XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX

FCRA Violation: Student loans never late
DEPT OF ED XXXX XXXX
DEPT OF ED / XXXX

FCRA Violation: students loan not mine
US DEPARTMENT OF EDU
Reported: XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
XXXX XXXX

FCRA Violation:  collections not mine
XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX
Product: Student loan

I received a letter from DoE, during XXXX of XXXX stating that I was part of a group discharge. I was told I did not need to make anymore payments and my loans would be placed on forbearance. To date I have not received a single bit of information from the DoE or Nelnet ( Servicer ) updating or moving forward with the discharge. My loans have not been placed on forbearance and I continue to make payments to date, because I am told by Nelnet, that if I do, it may be reported. They can not tell me for sure if this will be a problem or not. I have made several calls to DoE and Nelnet, only to be given the run around. They finger point and say I should call each other. DoE says to call Nelnet, Nelnet says to call DoE. I am looking for an explanation why this debt is still being reported on my accounts and credit reports.
Product: Credit card or prepaid card

Timely filed a billing dispute with the credit card company under case number XXXX for {$73.00} billed on XX/XX/19. Specifically, I already provided the company with specifics to complete the dispute processing. They were informed that someone logged into my online account and utilized my login credentials to impersonate me. The merchant already has blocked and closed the account. Credit card company produces a letter backdated on XX/XX/19, and received by me on XX/XX/19, advising me to call and discuss. Nothing needs to be discussed, the dispute is valid!
Product: Checking or savings account

I noticed a large transaction that was not authorized and immediately contacted Wells Fargo Bank. They said I could file a claim and/or contact merchant. I did both. XXXX provided all of the information which can be found below. They said they are unable to make a refund that I had to call the bank. They did however prevent the order from being delivered to the person who stole my information. I let them know it was fraud and gathered the information. I waited 5 business days to call back as told by Wells Fargo and was told that my claim was denied. I included 4 other smaller transactions on this claim which were also denied. 

Date of transaction : XX/XX/XXXX Company : XXXX Amount : {$420.00} Order number : XXXX Address of where item was shipped to : XXXX XXXX  XXXX XXXX XXXX. XXXX, FL XXXX The other transactions are not my focus right now. They were XXXX and XXXX dollar transactions.
Product: Prepaid card

Personal statement and a known suspect used his name date of birth and address and Social Security number to fraudulently establish an account with medical revenue service debt collector are committing identity theft of a state registered when it misrepresents a XXXX XXXX  account as a cardholder personal identification as well as committing consumer fraud by legal fraud of its adhesion contract that violates public policy from which debt collector commits security fraud by conversion of a XXXX XXXX account card holder financial asset.
Product: Credit reporting or other personal consumer reports

communication with XXXXXX/XX/XXXX did not update my credit report properly with a paid in full settlement back in XX/XX/scrub> 2024 2024
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice i had faudelent accounts on my reports, 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

I reached out to TRANSUNION on XX/XX/XXXX, to update all personal information ( See Exhibit B ), then again on XX/XX/XXXX ( See Exhibit C ) TRANSUNION was contacted with a failure to update certified mail, XX/XX/XXXX, I filed a complaint with the CFPB complaint number XXXX ( See Exhibit D ). TRANSUNION failed to satisfy the consumer 's request to update all my personal information. TRANSUNION also failed to notify me before an account was placed on my voluntary consumer report. Nor did TRANSUNION inform me of the outcome of those investigations. TRANSUNION has not validated the information as true and correct according to the FCRA. 

I received an adverse action letter on XX/XX/XXXX, after giving my application to extend myself credit from my open-end consumer plan. TRANSUNION was the credit reporting agency that was used in the consumer transaction. That extension of credit is intended to repair damage to my face and mouth due to a XXXX  XXXX encounter that I am a victim from.