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

After my car was deemed total loss by the insurance company, My original auto loan was sold of to another company called XXXX XXXX XXXX. The new financial company informed me that my title to the vehicle would be released to me once all payment was submitted by the insurance company and the GAP department. I have never received any detailed break down of payment and principal balance after the last check was issued from afa claims ; in the amount of XXXX, during the month of XXXX.I demand an up to date document that was reflecting my balance tome emailed or mailed to my address. XXXX XXXX XXXX the most recent statement I have from XXXX XXXX XXXX, reflects the principle balance of XXXX, no interest fees, no late charges, no other fees owed, no stipulation of fees being added.In addition to that, the minimum payment reflected a due date of XX/XX/XXXX. This small dollar amount left on my account is for payment in exchange for right to obtain the salvage title to the vehicle. As of XX/XX/XXXX, I called to inquire about the full pay off amount for the title. I was told that my entire balance changed although no representative could assist me. I spoke with several people include XXXX XXXX. He was unable to provide me the reasoning or the detailed break down as to how or why my account balance changed. When asked for someone to email me an up to date bill. I was told NO. At that point, My phone call was being re directed to an individual named XXXX XXXX answering machine service, because I was told my account file was being put on the market, " remarkting. " I informed XXXX XX/XX/XXXXthat did not wish to have my account sold off, I only wish to pay my true principle balance so that I may obtain my title. Its been 24 hours and I still have no update emailed of a statement that reflects their claims of m, y account balance changing. This company is operating is a fabricating their information. This company is presenting fraudulent information to me. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My father had an account with MoneyLion and was being billed $ XXXXmonth for membership fees. He passed away on XX/XX/XXXX, and MoneyLion was notified within two weeks. At that time, they said they would cancel the account. 

At the beginning of XXXX, they deducted the membership fee from the bank account. We sent a copy of the death certificate, again asked that they terminate the membership, and asked for a refund for the previous month 's charges. They didn't ( and still haven't ) responded. 

It's now approaching the XXXX billing date. When I called to resolve this, they told me I had to submit a support ticket on their website. 

I've sent them a death certificate, letters of administration, and an oath of personal representative from the court.I 've asked that they close the account and stop automatic withdrawals immediately. It's now been 3.5 months since the initial contact, and they have yet to respond.
Product: Mortgage

My mom had an mortgage with Ocwen and she passed away in 2005. They told us that we were n't aloud back in the house and they would not let us know anything about the account. But they did a loan modification with my brother and they took his checks which they had cashed the same checks four or five times. They recently hit us with foreclosure papers. They charged us XXXX in interest. I applied for a loan modification in my name and they denied me. The loan was for XXXX in the beginning. But now they are saying that i need a total of XXXX. Every time I talk to someone they keep telling me that the documents they had me sign, they never got them. And I have to resend them over and over. The same thing happens when I call they keep giving me different answers to my questions. I can never get a straight answer from anyone.
Product: Vehicle loan or lease

Husband contacted SunTrust regarding a vehicle loan in XX/XX/2021. He asked for Covid relief for 3 months due to his job loss. He was told he could have up to 6 months payment suspension. 

SunTrust claims they never received a call regarding the loan. On XX/XX/2021, the vehicle was repossessed due to nonpayment. No one ever contacted us to ask about the missing payments or sent any written notices. Should this have been handled properly, a repossession would not have happened or have been needed. Now my husband is going to have this on his credit report. 

He lost his job and asked for 3 months to not make a payment. Because of SunTrust 's poorly led operations, we are now having to shell out over {$3000.00} to pay for the late payments, fees, and a repossession fee. Not to mention, we have to pay a tow company for the towing and storage.
Product: Credit card

Disputed charges with Wells Fargo who is now investigating the transactions in whole. 

XXXX is the vendor. 33 transactions in the month of XXXX. ( XXXX XXXX XXXX ) XXXX XXXX XXXX - 2 charges of {$500.00} XXXX - {$4000.00} total charges ; 6 transactions XXXX - {$2500.00} total charges ; 3 transactions XXXX - {$8000.00} total charges ; 8 transactions XXXX - {$2000.00} total charges ; 2 transactions XXXX - {$2000.00} total charges ; 2 transactions XXXX - {$4500.00} total charges ; 6 transactions XXXX - {$2000.00} total charges ; 3 transactions XXXX - {$50.00} total charges ; 1 transaction All transactions were in the amount of either {$1000.00} or {$500.00} except for on the XXXX of {$50.00}. They tried to transact with my card several times before it could go through. 


You can find scam reports from this domain on : https : XXXX % XXXX % XXXX % XXXX % XXXX They deal with several companies outside of the U.S. to purchase XXXX to addresses that had just been made for one transaction then send it off to several other wallets. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Email Support - XXXX XXXX
Product: Debt collection

Im issuing this complaint due to a violation of my HIPAA rights. I do not have a debt with this company. Ive repeatedly requested debt validation from this company. I will forward my last letter sent to Americollect via certified mail, where I requested : 1. Proof of Americollect right to own or collect this debt. 2. Balance owed including all fees, interest, and penalties. 3. Contract bearing my PERSONAL SIGNATURE. You will notice that Americollect sent a response that failed to address the three requirements federal law states must be provided to validate and authorize ALL CREDIT DEBT! Unfortunately Americollect has failed to provide me with ANY of the information I requested and is REQUIRED by law to provide. By law Im utilizing the Estoppel by Silence defense in that Americollect has chosen to remain silent by not providing information federal law states Must be provided in order to validate ALL CREDIT DEBT! The ONLY applicable remedy is for this debt to be IMMEDIATELY removed from my credit report. Americollect is unauthorized to own, collect, or report this or ANY DEBT concerning XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX card and was approved for {$500.00}. I have not used XXXX XXXX XXXX and the lender closed my account due to inactivity. Somehow someone was able to fraudulently reorder a card on a closed account and was approved for over {$18000.00}!!!!!!! I don't get how XXXX XXXX could have authorized such mess without properly verifying this account and I am honestly disgusted by how careless they are with their consumers information and account access! I would like this account either removed or reflect accurate account status. I have provided documents to support my position in this matter. Please see to it that they verify and validate this account using accurate and consented information made by myself! I do not owe XXXX XXXX a thing and will not pay a frauds balance!
Product: Debt collection

On XX/XX/2020 Comenity Bank contacted numerous family members that are not authorized by me about my debt to them. Information was given to them about my account such as, what is due, when the last payment was made, etc. The family members were asked if they were me ( the account holder ) and verified that they were not. 

When I contacted Comenity Bank back to have this dealt with the same person that called verified that he did speak to those people and claims to not given that information to them, but when family members I do not speak to tell me information that they would not have known would tell me a different story. After speaking and telling the individual that I do not want my information given to anyone other than me and that those people have no right knowing those things, he wanted to yell and speak to me in a horrible manner. I then hung the phone up because I do not want to spoken to in that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account and hard inquiry currently listed and showing on my XXXX, Equifax, and XXXX XXXX credit report is fraudulent, not my account and is the result of identity theft : XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$4200.00}, and XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

My problem with Wells Fargo Home Mortgage started after I filed bankruptcy to save another property I own in a different state. I have XXXX loans with Wells Fargo and was having problems with the mortgage on a property I own in XXXX, CA. My bankruptcy was filed in XXXX. On or about XX/XX/XXXX I received a letter from Wells Fargo Home Mortgage stating that I was to send my mortgage payments to Wells Fargo Home Mortgage, XXXX. XXXX XXXX, XXXX XXXX, IA XXXX. I began making the payments to this address. My bankruptcy was dismissed in XX/XX/XXXX and I was told that there was un-applied funds in the amount of {$2400.00}. I continued to make my payments but then I started receiving letters from Wells Fargo that I was behind in the payments.and was given an amount of over $ {$6000.00} that was delinquent. I never stopped making payments on the loan and provided Wells Fargo with copies of cashed money orders drawn on Wells Fargo Bank as evidence that I was making the payments so this amount has been in dispute. I also requested the loan be audited and received a letter XX/XX/XXXX that the inquiry was going to take longer than they expected and would be resolved by no later than XX/XX/XXXX. I continued to make payments to the XXXX XXXX IA address. I received a letter dated XX/XX/XXXX from an attorney, XXXX and XXXX, XXXX that Wells Fargo has turned my account over to foreclosure and was advised that a foreclosure was file on XXXX XXXX but no date for the foreclosure sale has been set. I am very upset about this as I feel they are now trying to take my home. I am XXXX years old and on a fixed income. I receive all kinds of letters, phone calls and people coming to my home saying they have been sent by the bank and trying to gain access to the inside of my home. I never received a resolution from Wells Fargo regarding the audit of the loan. I contacted Wells Fargo and explained to them that I had the money orders to prove I have been making payments and they told me my loan had not been paid since XX/XX/XXXX and that I owed approximately {$8400.00} in back payments, not included fees. I spoke to a gentleman named XXXX and he advised me to send in the copies of the money orders. This will be the third time I have provided them with proof that I have made the payments. At this point, I do n't have confidence or trust in Wells Fargo to follow through with what they promised and feel it is in my best interest to file this complaint. I have been trying to apply for a loan modification but was told I had too much income. That is impossible as I am on a fixed income ; I receive a small pension and social security. I also have been advised that the loan I was in was a deferred interest loan and was considered predatory. My mortgage balance is upside down with the additional interest due on the loan. Please assist me to mitigate foreclosure on my home. Any help you can provide will be greatly appreciated.
Product: Checking or savings account

I applied on the XXXX  ( a Midfirst division ) app on or around XX/XX/21. While I was creating user name and password, the app crashed. I couldn't go further. I called XXXX and was told that retry in XXXX days. I did retry but now it was saying that I already have a relationship with them and can not proceed. I called again, and was told that they do see me in their system but for some reason, I was not assigned account number due to technical glitch. At that time, I was informed that I am successfully approved too, but it may take couple days to get the issues straightened out. Its now over a month, and I am still without account number and online access.
Product: Mortgage

At the beginning of the pandemic, in 2020, I was deferred from my job and was offered forbearance from my mortgage company. I was told no payment would be due and my account would remain current. This was not the case. They did not honor the forbearance and claimed I failed to make my payments in a timely manner, in spite of the fact that I wanted to resume payment in accordance of the terms of our original agreement. Instead, they continued to report me late, returned my payments back, and threatened me with extortion. They said if I didn't refinance a new mortgage through them they would put me into default and initiate foreclosure proceedings. I was willing to comply as I felt I had no other options until I was presented with the following terms, 3 % at 15-years. When I received my application, the terms changed without notification to 5.75 % at 40-years. I explained I am now able to pay and resume my mortgage and I am seeking no more than 15-years terms and they claimed they only offer 40-years term. They have intentionally reported me late, which would prevent me from seeking other financing options. This is extortion. I have went online and have seen numerous others with the exact same scenario. Loancare needs to be investigated and its clients need help, especially me.
Product: Credit reporting or other personal consumer reports

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. 
( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement.

( 5 ) A computation error to other similar accounting error on a creditor 's statement. 

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least XXXX days in advance, so precluding any occurrence of late payment on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX. XXXX XXXX  XXXX Account # XXXX XXXX. XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and concern regarding the inaccuracies in my credit file, specifically relating to the reporting of late-open accounts. Despite my previous attempts to address this issue, the late-open accounts continue to be inaccurately reflected on my credit report, impacting my credit score and financial well-being.

The credit file currently includes late-open accounts that are not reflective of my credit history. These inaccuracies are damaging my credit score and affecting my ability to secure favorable terms on loans and credit applications. 

I have previously submitted dispute requests regarding the late-open accounts, providing supporting documentation to validate my claims. However, the corrections have not been made, and the inaccurate information persists. 

The presence of these inaccuracies has led to unfavorable credit terms and may have negative consequences for my financial future. It is imperative that these late-open accounts be corrected promptly. 

I kindly request that you conduct a thorough review of my credit file and take immediate action to correct the inaccuracies related to the late-open accounts. I have attached copies of the supporting documentation for your reference. 

Additionally, I expect clear and timely communication throughout the resolution process, and a written confirmation of the corrections made to my credit file. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will be left with no alternative but to escalate this complaint to regulatory authorities and seek legal advice to protect my consumer rights. I am asking for your assistance to correct these late open accounts in my credit file : XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following negativity : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Received an automated text from Macy 's stating " register your new account online ''. 
Action taken by me : None at the point. 
XXXX Received an email notification from XXXX XXXX  stating " new credit inquiry added to your report ''. 
Action taken by me ( XXXX XXXX  ) : Opened my XXXX account and checked further details- found out about new inquiry made by Macy 's as on XX/XX/XXXX. I did not make this inquiry hence do not recognize the same. 
Further action taken by me ( ~ XXXX XXXX  ) : Contacted XXXX XXXX XXXX credit bureau XXXX Case was generated and expected to be followed up within 3-4 business days. 
Further action taken by me ( ~ XXXX XXXX ) : Contacted Macy 's. Call was transferred to XXXX from FTC who asked several questions and reported to have blocked the new application process that she noted was " pending approval at that point ''. 
Action taken by XXXX ( ~ XXXX XXXX ) - Requested to change my account password at Macy 's. 

XXXX Received automated text notification by Macy 's stating " register your new account online '' ( similar to initial text received as on XX/XX/XXXX ). 
Action take by me : ( XXXX XXXX ) - Changed password and deleted linked credit cards. Also writing this report to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXXXXXX XXXX XXXX - XXXX - Please delete this item immediately. 

XXXX XXXX XXXX XXXX  XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX  XXXX - XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXX  XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.