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

I was desperate to find a low cost vehicle and planned on buying used. I am having financial hardship. Went to XXXX XXXX. I requested to see car advertised on XXXX. Price slightly less than {$17000.00}. Nothing explained to me before signing agreement with XXXX and Credit Acceptance Corporation. Payment > $ XXXX/month. I told them I can not afford the payment and broke down crying. I expected a ~ {$13000.00} loan. I put {$4000.00} down. The purchase price was listed as {$23000.00}. {$10000.00} more than expected. I was told ; because of my bad credit the only way a financial company will loan me any money is if its above a certain amount ... .to be determined by the lender. I anticipated higher interest rate but theirs higher than anticipated. 22.99 %. I said well if they require more money for the loan I will get a better car. I was told, oh NO you can not do that. I asked why? Because they will add more money to that loan. I asked about a new car for that amount and told they wont finance a new car. I was being told that I had to do this type of financing because of my bad credit and I felt forced into signing contract because they told me I couldnt do better anywhere else. I asked 2 other car loan companies about their financing and they said they dont do that. One company was XXXX XXXX who sent me your contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I am going to have to asked you to view documents thats is attached to this complaint! And asked you to respond appropriately After doing research and my own investigation on public record XXXX lXXXX  XXXX had informed me that they had removed the public record from there files! But each time I asked your office to conduct an investigation you claim that the information has been verified! Equifax based on this letter that I received from XXXX they had removed the public record back in XX/XX/2022 from there file! Equifax this is a clearly clearly proof that you never conducted any investigation on public record. The reason I know Equifax is the fact of the matter that you advertise on your credit report for these people name address telephone number! And this is who you verify public records with! As you can see XXXX stated that they removed the public record. From there file Equifax you never conducted any investigation this whole time. Remove this right now or dont I will be force to take legal action! You guys should be a XXXX shamed of yourself for doing this kinda reckless behavior on consumers! Its no way in XXXX you could verify anything with those people if the information has been removed from there data based this is the company that you use. Get this off my report today Equifax or face the consequences there it is black and white view it in the file its been removed for over a year in XXXXS database but you continue to tell me that you keep on verifying this stuff until today remove it today and then you put the information back on the report and then going to lie about You are a low down evil dirty company
Product: Mortgage

I applied for a refinance at the end of XXXX where I was quoted 2.0 %. I accepted that and had several disclosures with the amount of 2.0 %. Several weeks went by and I did not hear from them at all. After emailing several times Jump to mid XXXX and it went up to 2.25 % when I asked why the jump, the lender told me he didnt know why and that it shouldnt have happened. He was going to get it changed with his manager. Weeks pass and Im emailing several times a week to see what is happening. This past Friday I get an email from the lender stating that he is still waiting for management and that we should be able to close this week. Today, Sunday XX/XX/XXXX, I get a phone call from the lender stating that they wont be able to get me that percentage rate, not even the 2.25 % and that they will probably have to add more points to the loan then already mentioned before. The lender was apologetic and said that he was sorry because he had to call a lot of people today to tell them the same thing and that management was telling him what to say. He also stated that he had no control and was out of his hands. I have tried to reach out to management, but no answer. I missed other opportunities with other lenders because Amerisave stated they will give me 2.0 %. Now I cant refinance because rates are back up.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  Reported : Apr. 30, 2024 15 U.S.C. 1692e ( 8 ) is a provision of the Fair Debt Collection Practices Act ( FDCPA ) that pertains to false or misleading representations by debt collectors. Specifically, this section addresses the communication of false information regarding a consumer 's credit standing.

15 U.S.C. 1692e ( 8 ) : False or Misleading Representations This section states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. In particular, it prohibits : Communicating or Threatening to Communicate to Any Person Credit Information : 15 U.S.C. 1681s-2 ( b ) : Duties of Furnishers of Information Upon Notice of Dispute Investigation of Disputes : Upon receiving notice of a dispute regarding the accuracy or completeness of any information provided to a CRA, the furnisher must conduct an investigation with respect to the disputed information.

Prohibited Practices : The FDCPA prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts. This includes : Harassment : This can involve threats of violence, the use of obscene or profane language, or repeatedly calling a person to annoy them.

False statements : Debt collectors can not lie about the amount of money owed, claim to be attorneys if they are not, or falsely claim that the debtor will be arrested.

Unfair practices : Debt collectors can not try to collect any amount greater than what is owed unless allowed by law. They can not deposit a post-dated check prematurely, and they must not take or threaten to take property without the right to do so.
Product: Mortgage

Midland Mortgage Company is charging me double the money needed for my Escrow Account. They put My family and I in a foreclosure status, base on the wrong figure. I have spoke to people in the Customer Service department, and in the Escrow department no one would help me, just giving me the runaround. I also sent them supporting documents to prove my case, they took no action.
Product: Consumer Loan

I complaint to Capital one about their practices in XXXX2015 and at that time told them to close my account and to send me a final bill. They sent me a email detailing the amount due in XXXX2015, but did not close the account despite several back and forth online chats to do so. But they did, following these chats send the email of the total they said was due at the time but did not close the account. So now they have been sending me email telling me they are going to charge off my account as it is 6 months overdue. And from my last filed complaint on here, they refused to send me a paper or email account of what when on, so all their correspondence is one sided basically except for email and the billing notices.. People stay away from this bank worse company I have ever dealt with. could not attach in XXXX step so placing document here. The email sent when I requested they send balance. it is almost XXXX dollars now. 

Capital One Add to contacts XXXX/XXXX/15 To : XXXXXXXXXXXX Account ending in XXXX XXXX, As requested, we 're notifying you that as of XXXX XXXX, 2015, your Capital One XXXX From : Capital One XXXX You moved this message to its current location. 
Sent : XXXX XXXX/XXXX/15 XXXX XXXX To : XXXXXXXXXXXX Check your account balance today. 








Your balance has reached {$330.00}. 




RE : Account ending in XXXX XXXX, As requested, we 're notifying you that as of XXXX XXXX, 2015, your Capital One XXXX account balance is {$330.00}. This balance does not reflect pending transactions. 

Please visit Online Banking to view transaction details.
Product: Debt collection

This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. 

I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Also, I sent the company a letter on XXXX/XXXX/XXXX asking for a legal contract and there was no response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XXXX XXXXXXXX, 2021 I recieved an alert from Transunion that I had a collection item from XXXX XXXX XXXXXXXX XXXX for a debt owed in the amount of {$540.00}. I never recieved a notice from XXXX XXXX XXXXXXXX that a debt was owed, it just appeared on my credit report. I called XXXX XXXX XXXXXXXX on XXXX and paid the debt in full and was supplied a letter from the creditor that the debt was paid in full and they agreed to remove the item from my Transunion and XXXX credit file. I spoke with XXXX XXXX from XXXXXXXX XXXX XXXXXXXX on XXXX, XXXX and XXXX and was advised that the request for deletion was sent 2 times through the system called E-Oscar with a control # of XXXX. I was assured this would be removed within 24-48 hours. As of XXXX Transunion has not deleted it. I have called Transunion several times and get nothing but a bunch of runaround with them foreign XXXX reps that dont know a XXXX thing. However, I plan to file a civil lawsuit against Transunion in the sum of {$500000.00} for negligence and absuse to keep my credit tarnished after a creditor has asked numerous times for it to be removed. It has been made very clear that the reps do not care and do not listen to anything that a customer tells them.
Product: Credit reporting or other personal consumer reports

1. ) XXXX XXXX XXXX XXXX XXXX XXXX 2. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - THIS ACCOUNT IS LISTED TWICE ON EXPERIAN! 
4. ) XXXX XXXX XXXX - ACCOUNT # XXXX I have attached the each account in the attached. 

These accounts are in violation! EXPERIAN AND XXXX have allow violations and they continue to willfully do harm. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud.

Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely. 
Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt.
Product: Debt collection

Requested validation of this bill, received statements and contract between XXXX and XXXX funding. Received a letter from attorney stating that They did not have to give me a signature on anything and turned around and filed with my local court a Civil Summons. I am trying to get the validation on this account. I have tried to dispute online with DMV funding also by now I dont believe that the attorneys are correct in telling me they do not have to produce my signature on a contract I need for the consumer financial protection bureau to intercede for me, and correct this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a credit reporting dispute to XXXX, Transunion, and XXXX Credit Bureaus on XXXX XX/XX/2022, requesting that XXXX accounts listed on my credit report as XXXX XXXX XXXXXXXX, and XXXX XXXX be verified by requesting the companies provide a copy of the original signed contract between the debtor and myself, as well as pay disclosures, interest rate disclosures, balance histories, and payment histories of each of these said accounts. I requested these documents be provided via mail because I know they do NOT exist. I previously submitted a dispute asking each credit bureau to research these accounts for possible fraudulent activity and got the same response from each bureau that accounts have been verified. I believe that the bureaus are NOT thoroughly investigating my claims and requesting the proper documentation to validate debts but instead unlawfully not complying. I have attached the certified letter that was forwarded to all three major credit bureaus on XXXX XX/XX/2022 and am requesting that they request and obtain all proper documentation from debtors and accurately investigate my dispute which will determine that I have no signed contract with any of the debtors listed above.
Product: Vehicle loan or lease

Toyota Motor Corporation has repossessed my car after stating online that I have a XXXX balance after paying {$500.00} a month for XXXX years on my car loan. They made up misc. fees that add up to over {$8000.00} and is forcing me to now pay a lump sum of over {$8000.00} or else I will never see my car again with no other type of negotiations possible. I do not have that kind of money and they will admit no wrongdoing on their behalf. They will not allow me to make any more monthly payments and just want a lump sum now. They are not willing to work with me on anything and just are bad people to work with. I took the car loan out in XXXX, I filed bankruptcy in XXXX. My bankruptcy was approved and toyota ignored my bankruptcy ruling with no chance of a refinance option as toyota would not allow it and demanded {$500.00} a month no matter what. I thought mafias were illegal in the united states but toyota motor corporation has proved me wrong as my attorney is unable to even get my car back as toyota has me in a weird legal loophole through a certain page in their contract that allows them to overcharge me. It's very bad business and i'll never deal with toyota again. Read the contract fully and carefully. I was lied to on the contract.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

Can not get an accurate update as to the status of the refund that was requested as per the XXXX student debt relief plan. All information that has been given is that it is in progress and was initially going to be 4-6 weeks. The latest call ( XXXX ) has changed the estimated time to 65-70 days. 


XX/XX/XXXX - Initial refund request call XX/XX/XXXX - called for refund status update - in process XX/XX/XXXX - called for refund status update - in process XXXX - called for refund status update - in process XXXX - called for refund status update - no change, now XXXX days
Product: Credit card or prepaid card

I have around 4 different credits cards opened without my permission I didnt know about this until I applied for a apartment I check and file a dispute and they said the information its accurate when none of the information at those cards its actually my address or phone number Its a card from XXXX XXXX XXXX XXXX-opened in XX/XX/XXXX XXXX bank-opened in XX/XX/XXXX XXXX XXXX And I didnt authorize anything and this its affecting my credit because this person who did this never make a payment
Product: Credit card

In XX/XX/XXXX I made a charge to my XXXX 's credit card of {$51.00}. I did not receive a statement from XXXX 's and promptly forgot about that charge. 

In XX/XX/XXXX I made a charge to my XXXX 's credit card of {$30.00}, and went to my computer and had my bank send the payment to Comenity/Carter 's for that amount. 

I received a statement from Comenity/Carter 's at the end of XX/XX/XXXX showing the previous unpaid balance of {$51.00}, the charge and subsequent payment of {$30.00}, plus a fee of {$2.00}, with due date of XX/XX/XXXX. I paid the full balance of {$53.00} ( {$51.00} plus {$2.00} fee ) on XX/XX/XXXX. My balance with XXXX 's should have been XXXX at that point. 

However, according to XXXX 's and Comenity, since I made a " partial payment '' ( the {$30.00} ) they can now charge me a monthly residual fee of {$2.00}, apparently every month. 

I did not receive a statement in XXXX or XXXX ; they say they sent it electronically but it did not show up in my email. And as I had not made any further charges ata XXXX 's, I thought I had a XXXX balance. 

Online, the XXXX statement shows my previous balance of XXXX, plus {$2.00} monthly minimum fee. Online, the XXXX statement shows my previous balance of {$2.00} plus {$2.00} late fee plus {$2.00} monthly minimum fee. Today I received an email saying I have a late payment due of {$6.00} .... consisting of {$2.00} charged AFTER I paid my balance in full. 

Today I called XXXX 's customer service and was told it was a " residual '' fee, and when I protested that you can not charge interest on a zero balance, they said it's not " interest '' it is " residual ''. Honestly, they can call it anything they want, but I had a zero balance and am now getting monthly minimum fees for no reason whatsoever. I requested they remove those fees, especially if they want to continue receiving my business ( I have XXXX small grandchildren who dress in XXXX 's clothing ). Their answer : XXXX, ( not my name I might point out ), we will not do that. 

So, I called Comenity to lodge a complaint, and was basically told the same thing. I said I will pay the balance of {$6.00} today, then I want my credit card cancelled. The customer service person said, if you want to do that you have to pay the balance ( per their statement it is {$6.00} ), plus an additional {$2.00} which they will charge at the end of this month. 

So, I sent a payment from my bank for {$8.00} to ComenityXXXX XXXX and will cancel that card as soon as they have that payment posted. 

I am writing this complaint to express my outrage that a credit card company can keep piling on fees, month after month, on a zero balance card, and the consumer doesn't have any idea it's happening, or that it will continue to happen. These fees are XXXX.
Product: Debt collection

On XXXX2017 a person by the name of XXXX reached out to me. When she called she stated her name was XXXX from XXXX XXXX XXXX. She stated she was calling on behalf of Navient and asked me '' what can you tell me about that. '' I said I was in the middle of filing legal proceedings against them for failure to investigate my loans as fraud, failure to provide proof of loan validation, and failure to follow fair credit act requirements. She stated that she could help with that and asked me to provide address validation. After doing so, she informed me that she will send the information requested and the call was ended. It was n't until after my call ( which is recorded ) that I researched the company online and found that they are a debt collections agency hired by Navient. However, I also found out that Navient is continuing to report the account as " charged off '' " past due '' and continuing to generate monthly bills that they are reporting as not paid on my credit reports. When I called XXXX back to provide this information, I was then informed they are a debt collections agency.
Product: Student loan

I owe XXXX $ to Sallie mae currently for a school loan and paid an amount of XXXX $ and have seemed to lose that payment even though I have statements of paying that XXXX $ that somehow went missing
Product: Debt collection

My contract was up with XXXX. A deposit was paid at the beginning of the contract. Once my contract was up I called customer service and arranged to end contract. I was instructed to send in both phones and if there was any balance left over my deposit would cover it. Phones were returned so I waited 2 weeks and called back to customer service to confirm they received our phones. To my knowledge everything was fine. Later to see this on my credit report. I called back and XXXX customer service told me they are not in the same building the phone was return to so they don't know if they received the phones are not. Nothing they could do about it. This is inaccurate and fraudulent reportings.