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

I am writing to bring to your attention several issues I have encountered with my contract from XXXX XXXX XXXX. Upon reviewing the contract recently, I discovered numerous discrepancies and potentially deceptive practices that have caused me significant financial and emotional distress. 

First and foremost, I was not properly informed about several critical aspects of the contract, including my right to rescind, the interest rate, and the nature of the retail installment. I initially believed this was a traditional car loan, but it appears to be structured differently. 

The contract states that the total of payments, including finance charges, amounts to {$23000.00}. However, after performing calculations based on the XXXX payments I have made, I found that I have already paid approximately {$21000.00}. The XXXX reminding of {$480.00} will total out to {$25000.00}. This discrepancy raises serious concerns with the contract of Total Payments amount of {$23000.00}. 

During my communications with XXXX XXXX, customer representatives occasionally mentioned " balloon payments, '' which was shocking as I was not aware that my loan included such payments. This lack of transparency is deeply troubling. 
Moreover, the contract contains a clause under the PURCHASE OF PROPERTY stating that I agreed to purchase the property for either the cash price or the total sale price over time. My payments on this vehicle amount to {$21000.00} with interest of {$16000.00} which equally up to {$37000.00}. This lack of clarity makes me question whether XXXX XXXX has accurately reported interest payments to the IRS and properly included these payments in their tax filings. 

Additionally, I have had unsettling experiences with XXXX 's customer service. Whenever I call their number XXXX, the same individual seems to answer, despite using different names such as XXXX XXXX, XXXX XXXX XXXX, and XXXX. This raises concerns about the integrity of their customer service operations. 

Lastly, I have noticed inconsistencies between the contract amount, payment history, monthly invoices, and the payoff amount. These discrepancies make it difficult to determine the accurate payment amount and further contribute to my distress. 
Attached is an XXXX spreadsheet detailing a comprehensive breakdown of my financial payments. The sheet includes columns for payments made and their respective totals, the bill due along with the overall total, interest accrual, interest billed, and the principal amount with its total. Additionally, it outlines any late charges incurred and details related to repossession actions. This document is intended to provide a clear and thorough overview of your financial standing, ensuring transparency and ease of understanding. 

I believe I have been taken advantage of due to my need for a vehicle for my family, work, and school. I am seeking your assistance in investigating these issues to ensure that no fraudulent or deceptive practices have taken place and that all financial dealings have been properly reported to the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX account # 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

I have zelle account and XX/XX/XXXX I sent XXXX to someone but I cancelled it and the money was withdrawn from my bank and I contacted zelle to tell them I requested to cancel my transfer on the app but they refuse to refund me the intended recipient never received the funds and I did cancel it I want a refund
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

These XXXX accounts are not mines. I have filed complaints with the Florida Attorney General. XXXX XXXX also tried to lower bill to make me pay. Neither company sent me this debt prior to posting to credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 was reported as a late payment. I sent a certified letter via USPS to the creditor and received a response back stating the information reported was valid and no further action required. The information reported was inaccurate. The customer service rep stated that It as reported as late but they had no explaination for the late payment. I as told that this payment was report as late for something that an paid over 3-4 years ago. I asked for a payment statement and it shows I have not missed any payments in the last 2 years
Product: Credit card or prepaid card

This is about my online account. To access my online account I must provide a XXXX XXXX phone number so I can be sent a temporary code. Since I am currently in XXXX XXXX XXXX I do not have access to the phone that is registered with my account. In this case there is no way that I can access my account online. No alternat solutions are provided to verify my identity such as email, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Mortgage

We listed our home in WA for sale - our realtor advised us to move out and we followed their direction for a quick sale. We put a change of address in for a temporary residence in CA. During the month of XXXX, our mortgage interest rate changed and amounted to a difference of {$110.00} on a total payment amount of {$4000.00}. I continued making payments and apparently because of the rate change and our life 's circumstances - I paid the wrong amount which then led to the lender applying a late fee on our account. As of XX/XX/XXXX we 've paid off the mortgage to Capital One completely as our sale transaction has closed. We were due to have our purchase escrow close when just this morning we were told that our new lender pulled our credit score and it had dropped about XXXX points so they are n't making the loan to allow our new home to close escrow. As of today - we are homeless and because of the Credit Bureau 's negative impact on one late payment we have no where to live ( with our XXXX child ) and I 'm certain our new lender will only allow the new loan to close if we pay more money - fees, interest rates, etc. This seems like a mortgage extortion and is impacting our family and our finances excessively.
Product: Mortgage

My husband and I was working with our loan company to lower our house payment because they had raised it and we could not afford it. We sent all information, forms and bank statements to them and would not get back to us. It was always very hard to get in touch with our point person. They said they was sending out someone to evaluate the home. No one ever came. We received a letter that they were through with their evaluation and was ready to start foreclosure before sending someone out to our home.
Product: Bank account or service

I received a check from my insurance company for roof replacement made payable to myself, a XXXX veteran, and my spouse. It was also made out to the previous mortgage holder, XXXX XXXX I endorsed the check and gave it to the roofer. He in turn, took it to the Bank of America Branch located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The bank cashed the check without the endorsement of the mortgage holder. I also called XXXX XXXX Bank, the bank the insurance check was drawn on because Bank of America told me ( after multiple calls to them ) that it was a XXXX XXXX problem not theirs. However, XXXX XXXX did not cash the improperly endorsed check, Bank of America did, I believe that the Bank of America did not follow their own guidelines when they cashed this improperly endorsed check. Please advise and I have provided a copy of the check in question. The other signature besides those of my husband and mine, is that of the roofer, XXXX XXXX. I have also filed a police report as XXXX XXXX never did the roofing work so I am out XXXX the money.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent account XXXX XXXX AND MIDLAND MTG/MIDFIRST HAS VIOLATED my rights.

15 USC 1681 Section States I have the right to privacy.

15USC 1681 Section 604 2 : its also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not teat a payment on a credit account under an open end consumer credit plan as a late for purpose.
Product: Credit reporting or other personal consumer reports

XXXX sent a letter XX/XX/year> informing me the us department of education has approved my application for total permanent XXXX discharge. and my loan servicer aidvantage has received all federal direct stafford subsidized and direct stafford unsubsidized loans. XX/XX/year> each loan was paid by the department of education. i have a {$0.00} balance on all loans taken out. my credit reports all reflect my loans are all paid, closed, never late. the school is witholding my transcript, and not allowing me to register because they are demanding money they are not owed. none of my loans were taken out through XXXX XXXX, all my loans have been satisfied and i should not have been reported to a collection agency to pay. thats not right, and potentially now going to affect me and my future financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received copy of my Experian credit report and it showed some inaccurate information specifically a bankruptcy. I asked Experian to disclose there method of verification and Experian received XX/XX/21 and never received response. Sent 2nd request for method of verifcation XX/XX/21 and replied XX/XX/21 with file # XXXX claiming the bankruptcy was verified by XXXX. So I went directly to XXXX to confirm this information and on XX/XX/21 XXXX couldn't verify the inaccurate bankruptcy on there file and as of XX/XX/21 has deleted and removed the bankruptcy from there files. On my behalf XXXX also filed a dispute with Experian to confirm the bankruptcy was deleted from there file. Also as a follow up, I sent the results of this investigation to Experian directly received on XX/XX/21 and as of XX/XX/21 has not received a response from my request to have the bankruptcy removed from there file. I pulled my Experian credit report on XX/XX/21 with file # XXXX which still shows the bankruptcy on my file. Seems as if Experian is ignoring the dispute done on my behalf by XXXX and my followup done as well with a no response.
Product: Payday loan, title loan, personal loan, or advance loan

I barrow XXXX  and at the time it said Ill be paying back XXXX which I was ok with well so Im making and making payments and my balance is not going down because Im paying back interest rates only and not the loan
Product: Mortgage

Last XX/XX/XXXX of 2019, I sent letter to Altisource ( attached evidence ). Also enclosed were photos of damages that Altisource have done inside my home when I was working. Altisources Agents entered my home at the time when we were negotiating for our HAMP Tier 2 Loan modification. Altisource have entereed constantly even without foreclosure on my home. Altisource continuously bothering inside and outside my home. 
Altisource have already created huge and insurmountable damages by breaking in my house by destroying 2 of my locks gates infront of home, removing the covers of all my attics, tearing all my carpets and destroying my walls as well my kitchen cabinets as shown on these photos I attached. These are evidences that they have harmed and done illegal acts inside my home that is not foreclose, and these are the reasons ; I am informing their wrong doings. 

I am requesting for your regulatory measures, In spites of my notice to Altisource, they disregarded and not respected my notice, instead Altisource continuously attempting to break in again to my home, in spite of their recent damages happened.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have been trying for almost a week to get a payoff quote from ally bank that includes my loan account number. I have spent hours on the phone and still do not have this most basic document. Ally bank is not relinquishing this information so that I can not refinance and so they can still keep earn interest on the loan at a ridiculously high rate.
Product: Debt collection

Company : Adler Wallach and Associates I have tried to resolve a collection by paying the needed amount with Adler Wallach and Associates. The collections letter was sent to the wrong address and no notice was sent out to me. Additionally, they had all old contact information that was not updated. They were not able to help resolve this issue over the phone and I had to search my collections issue through their online portal. 

I attempted to pay this claim on XX/XX/XXXX, for the amount of {$250.00}. They were not able to provide me with confirmation of the payment. The charge was never taken from my bank account and had to manually follow up. My second attempt was on, XX/XX/XXXX, to settle this claim for the increased amount of {$250.00}. No notice of the failed payment was provided or notice of the increased amount. 

I have reached out to their email to get confirmation of the transaction and get a response if they have settled the collection. No communication was provided. 

I have receipts of the multiple attempts to settle the collection with the company as proof.
Product: Mortgage

My mortgage was sold to freedom mortgage company to XXXX XXXX. I wasnt notified and freedom mortgage didnt pay my home owners insurance. 
My payment was raised without cause. I explained I am on a fixed income and couldnt afford their mistake. I requested an escrow analysis and it showed that freedom mortgage owed me money. I was told I didnt have to pay for 90 days after the transfer from XXXX to freedom. At the conclusion of a two month long analysis process I was given the total amount due to them and told that they would release the overpayments I gave them as soon as I payed the amount due. I payed them instantly and was told my check would be released the following business day. 
The check never arrived and I began receiving harassing collection notice phone calls, letters, and people showing up at my door. I called and was told I still owed money, that they had made another mistake and didnt give me the correct bill due. They held my overpayment of more than {$500.00} until I paid them {$90.00}. I explained that Im on a fixed income and I cant afford to keep covering their errors. They threatened to turn me over to collections and report me to the burrows if I didnt pay them again without having received my overpayment to cover the difference. They suggested I borrow money from people rather than them send the money they owed. I took a loan and paid the difference. 
I was told the check would come but after two weeks it still hadnt. My next payment was now due and I still havent been reimbursed. When I called to ask when my payment would arrive I was told the check was never ordered and that my next payment was now due.

This is putting my credit rating, financial security, ability to pay my bills, and eat at risk as they continue to make errors and avoid responsibility while threatening me with the consequences of their actions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

The compan y Transworld Systems Inc. is a third-  party company that bought a collection from a company by the name of  XXXX   XXXX   XXXX . It was assigned on my credit report on  XXXX   XXXX ,  2017  for the amount of {$1500.00}. The company then lowered that amount to {$510.00} on  XXXX   XXXX ,  2017 .  Transworld Systems Inc.  is NOT a bonded third-party company in the state of Texas, therefore it is against the law to collect on a debt or report a debt to the credit bureaus. I contacted the company Transworld and asked that they verify information and was unsuccessful, Please remove from all   XXXX   bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that are inaccurate and need to be removed from my report asap!!
Product: Debt collection

This is a third party collector to who I told to stop contacting me repeatedly.