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

I sold my vehicle to XXXX XXXX under the impression that they were going to take care of the rest of the balance due on my car. That didnt happen. I have spoken to TD Auto Finance about it and they told me that I am responsible for making the payments. But I sold the vehicle to XXXX XXXX lied to me and now I am paying for a car I dont even have on top of my new car that I am paying for.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i called XXXX XXXX they stated they deleted my acct and sent it to credit agency to remove my acct is still reporting on my acct
Product: Mortgage

I called Wells Fargo over a year ago (XX/XX/XXXX) and asked them for a Loan Modification.  I also mentioned to Judge XXXX XXXX XXXX (approx. XX/XX/XXXX) that Wells Fargo refused to help me.  I explained to them, that I was dealing with a financial hardship.  I became retired XX/XX/XXXX.  I was scheduled to appear in court XX/XX/XXXX, which was on a monday.  Court was closed that monday in observance of XX/XX/XXXX, which was on Friday XX/XX/XXXX.  I physically called the courts, and checked on the internet to make sure I would not miss a court date.  On XX/XX/XXXX  (4 days later), I received a NOTICE OF ENTRY AND JUDGMENT OF FORECLOSURE.  It states if I don't pay $XXXX by XX/XX/XXXX,  my home will be sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/17 XXXX XXXX XXXX XXXX placed a hard inquiry on my transunion report. I have called the company two different times and was told by two different representatives that XXXX XXXX XXXX is a department that does n't exist. The representatives each told me that it 's nothing that they can do and to call the reporting bureaus. The only credit report it 's showing up on is transunion. I have called transunion numerous times and the representatives are not willing to help either. Transunion is telling me that they do n't dispute inquiries and to call XXXX.
Product: Mortgage

A few months ago my mortgage loan got sold from XXXX to Freedom Mortgage and ever since it switched over everything got skrewed up! First from a privacy aspect when I log in to my Freedom Mortgage account along with my own loan information I can also pull up someone elses loan information that I have never met and my recurring payments almost went towards the other account that is NOT mine.

I contacted Freedom about this issue and after two hours on the phone I was told it is a known issue and Please do not access the other persons loan information.

About 3 months later it is still not fixed.

Second : Freedom Mortgage still has not setup an escrow account for me. And I just got a phone call from XXXX XXXX XXXX stating that they have tried several attempts to reach out to Freedom Mortgage for insurance payment with no response. 

I called Freedom Mortgage about this and all I got was Oh we do not know anything about that let me get you over to our service department. Then line hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had phone service with XXXX. Cancelled it and returned equipment. Immediately had service with a different carrier. They continued to charge me and I didnt even know. Because I had relocated to another area
Product: Checking or savings account

On multiple occasions I was charged insuffiecient funds fees from the account that I'd like my money back for.
Product: Mortgage

XXXX XXXX XXXX sold my loan to SP Servicing in XX/XX/XXXX of this year. I received a loan modification in 2016 from XXXX XXXX XXXX due to a bad loan from XXXX XXXX XXXX. XXXX XXXX XXXX never FLAGGED MY ACCOUNT on none the Credit Bureaus as Modified Loan. But I NOTICED today once SPS finally began to report on my credit after waiting 3 months MY MORTGAGE ACCOUNT HAS BEEN FLAGGED AS A LOAN MODIFICATION. SPS did not do the modification they brought the loan. Further more without me or my husband even knowing now to report that way and bring down our Credit Score FLAGGING our Mortgage Account as a Modified Loan is totally unfair. We went thru that already years ago. To go thru it again with this company is totally unfair!
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. 

XXXX : XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX  : XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX  : XXXX, DEPTEDXXXX XXXX  XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) : XXXX, XXXX XXXX ( Original Creditor : 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 XXXXXXXX, DEPT OF EDUCATION/XXXX  : XXXX, has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification Ability Recovery Services , LLC is fraudulently reporting an account that XXXX XXXX says I owe. I withdrew from XXXX XXXX within 6 days of enrolling! It is my understanding from XXXX XXXX that only physically proven current, true, correct, complete, timely and compliant information may be retained or reported so ANNUL BY DELETION any derogatory items deficient of this requisite physical certification of compliance to XXXX XXXX data formatted reporting regulations! At this time I am filing a complaint against Ability Recovery Services , LLC, XXXX XXXX and any credit reporting agency reporting this fraudulent information and seeking {$1000.00} per violation from each credit bureau, Ability Recovery Services , LLC and XXXX XXXX. I will be retaining legal council! Ability Recovery Services , LLC is also reporting an INACCURATE date! I withdrew in XX/XX/XXXX ( within the specified timeframe ) and the date they are reporting is XX/XX/XXXX which is UNTRUE! It is my understanding that NO entity has the right to retain, report, transfer, sell, utilize or else wise any outdated, untrue inaccurate, physically unverifiable, fraudulent, misreported and or non compliant allegations! This is CLEAR violation of the Fair Credit Reporting Act! EACH REPORT HAS INCORRECT INFORMATION!
Product: Student loan

XX/XX/year> Payment Reversal {$7500.00} {$120.00} {$0.00} {$7600.00} XX/XX/year> Payment - {$7500.00} - {$120.00} {$0.00} - {$7600.00} XX/XX/year> Payment Reversal {$71.00} {$89.00} {$0.00} {$160.00} XX/XX/year> Payment - {$71.00} - {$89.00} {$0.00} - {$160.00} XX/XX/year> Capitalized Interest {$32.00} - {$32.00} {$0.00} {$0.00} XX/XX/year> Payment Reversal {$100.00} {$68.00} {$0.00} {$170.00} XX/XX/year> Payment - {$100.00} - {$68.00} {$0.00} - {$170.00} XX/XX/year> Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/year> Payment Reversal {$28.00} {$71.00} {$0.00} {$100.00} XX/XX/year> Payment - {$28.00} - {$71.00} {$0.00} - {$100.00} XX/XX/year> Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} I have been paying my loans on time and I have not realized that my payments were being reversed until I have tried paying for all of them! In the meantime, the company Edfinancials has been charging me interest as if I have not paid any money!
Product: Credit card or prepaid card

On XX/XX/2019 I made a purchase of {$10000.00} for a kitchen remodel with Home Depot and we applied for their credit card with us through Citibank. Citibank automatically put the purchase on 6 months financing. I contacted Citibank inquiring about getting at least a 12 month finance at that time. I was not aware that they should have automatically put it on a 24 month special financing because it was a new card and they never offered it to me. After I found out from my Home Depot consultant we tried to have it extended to the 24 months they should have done originally. Because I had already requested the 12 month Citibank is refusing to extend it to 24 month which they should have done in the first place. They are telling me because I made the request they cant change it again but not taking any responsibility for their mistake. The last person I spoke to was XXXX XXXX in the executive response unit.
Product: Credit reporting or other personal consumer reports

Uplift is using my information fraudulently. I have never had or used this service. I contacted them and they would not give me any information I explained its a fraud and they told me to contact the 3 credit bureaus so I did and still nothing has happened and it shows my scores have dropped tremendously. I want this off my report and list as an identity fraud. Uplift is a known fraudulent company per XXXX XXXX bank they have been hit many times
Product: Vehicle loan or lease

The dealership of XXXX XXXX XXXX sold me a lemon car that broke down on me in less than a month. When towed to the shop the car was assessed mechanically and was valued at over {$5000.00} usd to fix. No compensation was upheld and I was left with the amount owed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$370.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX, XXXX XXXX {$89.00} XX/XX/XXXXXXXX XXXX  XXXX, XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$250.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My claim is against Capital One. There was a fraudulent application submitted in my name on XX/XX/XXXX. XXXX XXXX caught it and I received notification about it. The same day I called Capital One and cancelled the application notifying the company about fraud case. Since the account was never opened in XXXX Capital One apparently does not have an ability to properly track this information. 
I have spoken with numerous individuals at the company in the attempt to resolve this issue. 
I want Capital One to remove inquiries from all 3 Credit Bureaus. The first person failed to tell me that I would need to apparently provide the proof of the fact that inquiries are appearing on all 3 Credit Bureaus after verbally admitting to me that they ran my credit and placed hard inquiries on the report. 

XX/XX/XXXX I finally receive a letter from their Credit Bureau Resolution team with a case # XXXX, which is asking for bunch of additional information. On XX/XX/XXXX I filled out all the paperwork and send it back to them. 
On Monday XX/XX/XXXX I spoke to Janye ( 1,5 hrs cal duration ) CSR from not sure what department who admitted to having all the documents I sent in XX/XX/XXXX imaged and on file. She also attempted to get in touch with application department but due to timing ( 4 months ) apparently the application back from XX/XX/XXXX is now archived and they did not have access to it. The only accounts that they were able to locate were closed over 5 years ago. 

Application department representative refused to allow me to file a complaint with their internal department - stating they did not have one and would not escalate the call in order for me to get some type of resolution with my grievance. 

I have spent over 24 hours of combined time on the phone with Capital One company and every time - every single person insist on having me re-telling them the story with promises of resolving an issue and it never get done. Lastly, I spoke with the Escalation Supervisor today who acted as if she could not get to any information regarding my case and stated that they needed more and additional information from me in order to resolve this issue - when I told her NOT to transfer me to application department she did it anyway - which makes me feel that this company hiring uneducated, careless individuals, who abuse customers and don't care about providing appropriate level of expertise or resolution to customers when they wrong them. This is unacceptable practice!!!! And if I am being treated so poorly I am pretty sure there are plenty of other people who had to go through the same horrible experience. 

Frankly I would like to be compensated for all the time I spent with this nasty company on the phone without any resolution. Additionally, had two representatives hang up the phone on me. This the worst practice I had ever incurred in my entire life. I will never recommend this company to anyone I know nor would I ever be Involved with them or ever use this financial institution for any of my financial needs. 

Please help!
Product: Mortgage

Since OCWEN.PHH is saying we do not have mortgage fraud we are demanding the amount paid to them from the mortgage protection insurance and why was the lis pendens not paid? THE XXXX XXXX WAS PUT IN PLACE BECAUSE WE KNEW THERE WERE GOING TO BE LIES AND EVERYONE WAS GOING TO ATTEMPT TO COVER THEIR BUTTS.NOT THIS TIME WE HAVE TOOOOO MUCH EVIDENCE ON OCWEN/PHH/ We have a right to the information since OCWEN.PHH said we defaulted!. Please do not send a XXXX explanation. We are highly versed pertaining to these areas. 

Also, we do have even more additional proof we have mortgage fraud and the straw buyers, Given the lies OCWEN.PHH has told and the altering of documents such as lifting our signatures THEY WILL NOT get our evidence, AND XXXX ; T THINK ABOUT PUTTING ADDITIONAL HITS OUT ON MYSELF, WIFE OR ANY ADDITIONAL FAMILY MEMBERS. XXXX XXXX, XXXX XXXX AND THE STATE OF GA HAVE ATTEMPTED TO TAKE US OUT A TOTAL OF 8 TIMES. DON'T THINK WE ARE AFRAID. NOT! XXXX XXXX XXXX 

GIVEN THE LEAD COUNSEL IS BASICALLY LIVING OFF OF XXXX XXXX AND XXXX XXXX, THE LEAD COUNSEL WAS ASSIGNED TO PHH TO MAKE US THING SOMEONE IS ATTEMPTING TO BE ETHICAL. PLEASE!!! THEY ARE SO DESPERATE THEY WOULD COMPROMISE ANYONE TO PERFORM ANY LEVEL OF DIRTY WORK REQUIRED! GIVEN THE LEAD FOR THIS CASE CAME FROM XXXX XXXX WE ALREADY KNOW ETHICS ARE NOT EVEN IN THE VOCABULARY,
Product: Student loan

Trying to establish payment plan based off of income and student debt payments. I continuously submit the appropriate paperwork ( income amount and frequency, other debt payments, and proof of payment relief, etc. ) but they just keep rejecting the forms. These are also the exact same forms I submit for another loan I have with them that they have accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX CFPB complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit reporting agencies are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent : 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 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 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. Also, the Credit Reporting Agencies have claimed that the disputed items belong to me and that the items are verified by the Data Furnishers themselves. However, as my request indicated in my previous CFPB, the Credit Bureaus should send me copies of proof of verification or proof of ownership bearing my signature, in which they have failed. The Credit Bureaus have continued reporting the disputed items claiming to be verified. This action of the Credit Reporting agencies is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. I am submitting this CFPB complaint to request to the Credit Bureaus to remove the disputed items from my Credit File as soon as possible.
Product: Checking or savings account

This case was closed by CFPB and it has not been resolved XXXX. 

Wells Fargo has put a provisional credit on this account. They have not given an explanation to me why it is taking them since XX/XX/2018 to fully resolve this. They are still looking into it. 


This case needs to stay open until an explanation is given. 

Also I still feel that I need to be compensated for all my time that has been put into solving this problem. Long wait times on phone ... Long wait times sitting in the branch. People at the ATM division that can not seem to fix a simple problem. 

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

I received the card in the mail. I never opened an account, never used the card that was mailed to me, and destroyed the card that was mailed to me. I can't even access through their website, as I never set up an account. I never received any statement showing why they are charging me for something I did not ask for and did not use. I only noticed it when it showed up on my credit report. Now they just continue to report me delinquent, adding more costs onto the balance without any explanation. Experian simply reported my dispute as : " Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' So, if a company tells Experian their information is accurate, even when they are knowingly lying, there is no recourse? If they insist I owe them, why don't they send me a statement, showing where these charges were incurred? I have never used this account, and it needs to be closed and removed from my credit report.
Product: Checking or savings account

from XXXX through XXXX, Navy Federal engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 when it charged overdraft fees on debit-card purchases and ATM withdrawals when consumers accounts had insufficient funds at the time the transactions settled even though they had sufficient funds when they made the transaction.
Product: Credit card

Former case number : XXXX - XXXX Dear Sir and Madam, Due to the complaint email I sent to you on XX/XX/XXXX regarding the handling of customer issues by the management of CISCOVER company, DISCOVER company received your letter and replied to me ( see attachment ). These three reply letters come from three different places, of course, the same CISCOVER company. Among them, the letter from XXXX XXXX, Ohio requesting a new card for me made me very cautious, as the company had already changed the card for me in XX/XX/XXXX, citing that the merchant would no longer automatically receive payments. But he added the so-called " total price fee of {$41.00} '' to the new account in XX/XX/XXXX. In this way, the merchant 's automatic payment will be added to my account again. If this time, DISCOVER 's company in XXXX XXXX, Ohio will give me a new card. Although I did not request a card change, based on my recent interaction with DISCOVER company, I have found that the policy management and quality of DISCOVER company 's management personnel are insufficient, and I am not willing to have a conversation with such companies.
Product: Credit reporting or other personal consumer reports

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and XXXX disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax and XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( Disputes XXXX ) Complaint ID XXXX against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.