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

I was given an auto loan in XXXX of 2019 by XXXX XXXX XXXX XXXX sold my loan to TEXCAP. I asked at the begining of this loan for paperwork defining the terms of the loan. Especially where they are a new company to me. I wanted to make sure the company wasn't fraudulent. 
Texcap sent me back the paperwork from my XXXX XXXX XXXX 
I have now been paying back the loan originally from XXXX  now to TEXCAP. I noticed there is an added amount added to the agreed amount of {$8.00} which there is no disclosure as to what it's for. The interest I have been paying has not been calculated correctly. I have asked repeatedly for a break down of loan payments made. How much in interest, how much to principle. To make sure I'm being charged correctly and not over paying. 
To date no break down has been furnished. No truth in lending disclosure nothing to help me as a consumer to know that I am not being over charged. Which I feel I am because of their refusal to furnace any documentation. 
Please help me get a break down of payments made as well as applied interest and principle payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and have reached out to the TransUnion MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I was notified when Cash Central put on my credit that I owed them money. I contacted this company because they were paid in full. They were the ones that dented my checking account. I paid them back over {$700.00} dollars and I do not owe them anything more on this account. Thank you XXXX XXXX
Product: Bank account or service

I received a promotional offer ( XXXX ) in XX/XX/XXXX ( XXXX American Advantage miles ) to open a CitiGold account with CitiBank by XXXX/XXXX/XXXX. The account was opened on XXXX/XXXX/XXXX. It was written that certain parameters and criteria had to be met in a certain amount of time in order to receive the promotional offer. Those criteria were met in XX/XX/XXXX. It was my understanding that after 90 days, the miles would post to my XXXX XXXX Advantage account. I began the process of follow-up XX/XX/XXXX, by way of secure message on Citi 's website, then again on the week of XXXX/XXXX/XXXX. On both occasions, the CSR indicated that I had met the requirements pertaining to promotion XXXX and I would receive the miles by the end of 90 days ( XX/XX/XXXX ). On both attempts with CitiBank, they responded that I was ineligible which is a contradiction to what the CSR 's shared with me. To date, those miles have not been credited and I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax numerous times to remove unauthorized inquiries. Please remove immediately
Product: Credit reporting or other personal consumer reports

Fortiva is reporting all three major credit reporting companies that they received my payment 30 days late in XX/XX/year> and XX/XX/year>. My account is set for automatic payment. This information is incorrect and is affecting my credit rating.
Product: Checking or savings account

Wells Fargo has pay in advanced on ACH depositstherefore money shows in account two-days early. Started paying bills with that balance updatebut then WF claims overdraft and begins removing money from overdraft protection, even though they also claim overdraft grace period. The available balance is still OVER the amount they claim was over drafted.
Product: Mortgage

I setup automatic payments with my mortgage company. These payments are setup to be withdrawn bi-weekly, resulting in 26 half payments, or 13 full payments, to be made each year. This is super convenient and I am satisfied with that. I am however concerned with the application of payments. Penny Mac withdraws these half payments themselves as I was told, during the setup process, that if I were to setup recurring bill pay payments through my bank, that when received they would likely be curtailed and this would require me to call EVERY month to have the funds reallocated. That sounded very inconvenient so I opted for their bi-weekly program. Although I find the process dated and silly at the dated technology abilities, I am overall somewhat satisfied. I do however have XXXX, in my opinion, very serious issue. The fact that they withdraw funds, like they did today, then hold the money for two weeks before there 's a benefit to the consumer seems a bit unfair, and frankly ridiculous. Questions ... where is the money sitting? in a bank account, accruing interest for the mortgage company? why do n't i see a benefit to that? why is n't the money applied to the account then? interest accrual, if i 'm not mistaken, it is based on the principal balance, is it not? so should n't the end result be seeing less interest paid over the life of the loan? unless it is not applied until 2 weeks after the company receives it ... I 'd like to better understand this and when I brought it up to their representative they told me there was nothing to worry about and that I did n't understand but offered XXXX explanation to remedy it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/22 i filed initial cfpb complaint & in writing to credit bureau/ it's got immediately closed, then i filed 2nd dispute with cfpb on the XXXX/XXXX/22 due to their response to my dispute didn't match my issues in my dispute/complaint. 

Per 15 U.S. Code 1681i - 2 ( a ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Per 15 U.S. Code 1681i - 5 ( a ) ( i ) ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and Per the 15 USC Codes above : Credit Bureaus were supposed to send me a letter to my address WITHIN 5 DAYS indicating they receive my dispute and it's been investigated. And this wasn't done, so accounts SHALL be deleted.
Product: Credit card

I asked Continental Finance for my payments deferred as my protection plan ends and I do not have a job. I emailed and no one answered. I contacted them through CFPB about my credit protection and the company never responded about me not being able to make payments. Now I am in the same position with the company refusing to honor a request since I am having trouble paying because I do not have a job.
Product: Mortgage

I was refinancing a fixed equity loan, and when I was asked about The bank of American representative told me there was NOT a fixed rate home equity loan option... 

Now my payments have doubled, and my interest rate is higher than my original loan.. and I'm pretty sure I was just blatantly lied to in order to saddle me with this XXXX ARM loan, since Fixed rate options are now plastered all over the bank of America website . Ontop of being forced to manifest and pay off thousands of dollars in other 0 % debt. Leaving me with no emergency funds, and this second mortgage payment that quickly doubled, forcing me to live off of credit cards again.
Product: Mortgage

RE : XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONCOMPLAINT : XXXX : XXXX XXXX XXXX XXXX New Jersey XXXXDear Consumer Financial Protection Bureau:XXXX I did not sign the application, and this is very clear from the paperwork HSBC has provided. The original application does not have my signature, and whoever singed XXXX is forgery which is illegal. 

XXXX. Again, I diligently sought legal representation and MOST IMPORTANT, I rescinded the deal within 3 day window. 

XXXX. I never received the truth in lending disclosure. 

I have invested and spent FAR TOO MUCH TIME AND MONEY INTO THIS ENCUMBRANCE and it is not My burden to bear any longer. This house located at XXXX XXXX XXXX XXXX, NJ XXXX has been paid for XXXX. This house is a SURE EXAMPLE OF PREDATORY LENDING. The property has been under contract XXXX times since 2014, and XXXX home loans refuses to LET GO. There is no way this property appraised for {$200000.00}. 

Again, GET THIS PROPERTY OUT OF MY NAME. RIGHT Now, there is a contract for a short sale and XXXX loans is holding the deal up. Enough is enough, either convince XXXX home loans to proceed with short sale ( including no deficiency judgments, {$5000.00} relocation fee for Me, XXXX XXXX XXXX, and total debt cancellation ), or MAKE THEM. Realtor is XXXX ( XXXX ) real estate XXXX XXXX ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX, fax : XXXX, email : XXXXXXXXXXXX ). 

XXXX and XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

During pandemic all of the banks which I am struggling to pay actually worked with me to make adjustments to secure my credit rating and help lower rate in order for me to get my financing in control. The following bank I have notified several time their only concerns are their own. We the American people gave them a bail out when they had problems and it seem as if they have forgotten that. 

I sent emails to the CEO XXXX XXXX, XXXX and XXXX XX/XX/XXXX. I simply asked for adjustments of late charges and interest for the past yr. Ms XXXX XXXX did have a representative contact me ; however the representative assured me there was nothing that could be done unless I caught up all arrears on accounts. I am only able to pay minimum monthly to maintain my credit. Please see attachements
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I WAS HIT WITH A HARD INQUIRY FROM A ONE " SYNCB/XXXX  ( XXXX  ) ''. AFTER I DID MY RESEARCH, COME TO FIND OUT ITS AN AIRLINE 3RD PARTY BOOKING AGENT WITH A NEW CREDIT CARD. DONT HAVE AN ACCOUNT NEVER HAVE BOOKED WITH THIS COMPANY. TRIED CALLING THE PHONE NUMBER MULTIPLE TIMES AND HAVENT BEEN ASSISTED YET. THEY PROMT ME FOR IMMEDIATE ACCOUNT INFO ( THAT DOESNT EXSIST ) AND OR A PAYMENT FOR AN ACCOUNT ( THAT DOESNT EXSIST ). IN THE MIST OF THIS IT IS HURTING MY CURRENT CREDIT SCORE HINDERING FROM GETTING CURRENT AND FUTURE LINES OF CREDIT.
Product: Debt collection

XX/XX/XXXX at XXXX I took thier call told them not to call me again, and if I needed anything from them I would call them myself. On XX/XX/XXXX at XXXX they again called me, I did not pick up. 

They have been calling me for weeks and I'm very annoyed.
Product: Consumer Loan

I have XXXX carloans with Capital one auto. At the time I obtained the loans i was financially able to pay event though the payments were extreamly high. XXXX loan is {$600.00} and the other is {$730.00}. I signed a form promising that if my situation changed that i was to conatct the lender. I have made many attempts to try and lower my payments becuase the loans payments are now a financial burden. I was told that because i have poor credit i was not able to refinance and had to stay with the loan terms provided. I called and even offered to return both vehicles because i was not able to pay and i was informed that i could not return the vehicels. The remedy i am seeking is for Capital one to work with me and reducing my payments so that i am able to afford to pay them on time and not be behind. I also would like for them to forgive the late payments in order fro us to be able to start fresh. we need these vehicles to be able to go to work and pay our financial obligations but now its become very difficult and causing us to be behind on other financial obilgations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Block of Information Due to Identity Theft Under FCRA 605B Dear Sir/Madam, I am writing to formally request the immediate block of information on my credit report related to accounts and inquiries resulting from identity theft. This request is made pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). 

XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/2021 According to FCRA 605B, you are required to block the reporting of the aforementioned fraudulent information within four business days of receiving this request. I kindly ask that you send me a written confirmation once this action has been completed. 



If you require any additional information or have any questions, please feel free to contact me at XXXX XXXX
Product: Checking or savings account

I had 2 unauthorized charges made on XX/XX/29 XXXX for {$1000.00} and the 2nd for {$4000.00} Wells Fargo has denied my claim and hasn't stated why
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against CAPITAL ONE for failing to provide validation of a debt that they claim I owe. I requested verification of this debt, but despite my request, I have not received the necessary documentation to substantiate the debt. 

Here are the details of the dispute : Debt Collector Information : Agency Name : CAPITAL ONE Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Debt Information : Debt Amount : {$0.00} Original Creditor : CAPITAL ONE Account Number XXXX My Request for Debt Validation : I sent a debt validation request to CAPITAL ONE, asking for proof of the debt, including the original contract or agreement, a statement of the amount owed, and evidence that the agency is authorized to collect on behalf of the creditor. However, I have not received a response within the time frame required by the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of Rights : This failure to provide validation violates my rights under the FDCPA, specifically my right to request proof of the debt. Additionally, I believe that CAPITAL ONE has continued collection efforts without verifying that I owe the debt or that they are authorized to collect on it. 

Actions Taken : I have attempted to resolve this matter directly with CAPITAL ONE, but their failure to respond appropriately has left me with no choice but to escalate the issue. 

I respectfully request that the CFPB intervene in this matter to ensure that CAPITAL ONE complies with the FDCPA by providing the requested debt validation. If they can not provide proper validation, I ask that they cease all collection activity related to this debt. 

I am willing to provide any additional information or documentation needed to assist with your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit card

I have set up Autopay with Comenity Capital bank on the XXXX credit card. It should draft my bank account each month on the XXXX. It never worked. And I got charged for fees and interest charge almost around {$100.00}. I have been calling every single month to see why this happened and when it can be fixed. They never provided a direct answer. And never got anything from the technology team. What is even more frustrating is, they asked me to unenroll autopay and re-enroll. I don't think it makes sense since there is an apparent bug in the system not drafting autopay correctly. 

There are so many issues with Comenity bank and CFPB should consider opening a consent order to look into their practices!
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 XXXX  Account Number : XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : 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: Credit card

On the XX/XX/2024 I applied for a line of credit through Discover it Card where after I answered the questions asked of me and provided my personal information like my name, address, social security and other personal information, I received a denial letter, advising that my credit was denied. Discover has violated my consumers right by discriminating by treating my application unfavorably based on other credit transaction under Equal Credit Opportunity Act 12 CFR 1002.7 Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant,, marital status, or any other prohibited basis. ( m ) Credit transaction means every aspect of an applicant 's dealings with a creditor regarding an application for credit or an existing extension of credit ( including, but not limited to, information requirements ; investigation procedures ; standards of creditworthiness ; terms of credit ; furnishing of credit information ; revocation, alteration, or termination of credit ; and collection procedures ). ( n ) Discriminate against an applicant means to treat an applicant less favorably than other applicants. Consumer Credit Protection Act 15 U.S. Code 1691 - Scope of prohibition : ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( XXXX ) on the basis of race, XXXX, religion, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( e ) Copies furnished to applicants ( 1 ) In general Each creditor shall furnish to an applicant a copy of any and all written appraisals and valuations developed in connection with the applicants application for a loan that is secured or would have been secured by a first lien on a dwelling promptly upon completion, but in no case later than 3 days prior to the closing of the loan, whether the creditor grants or denies the applicants request for credit or the application is incomplete or withdrawn. As well as the word from their own prospectus and XXXX and XXXX form submitted to the SEC as to how consumers are Silent Investors of the company once Valuable Consideration is given which it was. Since the letter that was sent to me dated XX/XX/2024 is both proof and evidence that I have been discriminated against, you are also criminally liable. Discover Bank should resort to reasonable procedures to rectify this affair and compensate me for this use of my Securities otherwise this is and would be securities fraud since I have received NO BENEFIT.
Product: Debt collection

The company in question, CACH LLC, filed a suit in court after I tried to dispute the debt with credit reporting agencies ( XXXX and XXXX ). Both the agencies removed the debt from my credit report and then a week later it was back under a different name. I disputed it again and then the debt showed back up on the credit report, this time doubled to make it look like XXXX debts ; listed as CACH LLC and CACH , LLC ( with a comma added ). I have been to court twice already and the judge keeps postponing it. I have to go again on XXXX XXXX, XXXX. I tried to get the case dismissed because in the affidavits filed by the debtor they said " Affiant states that the original agreement and document evidencing the creation of this Account is lost or destroyed ... '' The judge would not listen to me and instead postponed the case ( twice ). The attorney handling the account told me she did not have any authority to do anything with the case ( dismissing, make changes, etc. ) because she is just handling the case for an out of state client. The judge told me that he would not do anything with the case ( the last time I went on XXXX XXXX ) unless I bring him a fraud complaint form filled out and the attorney was going to send me XXXX but I have not received it and so far unable to find XXXX. I believe I am being taken advantage of and do not know what to do to fix the situation. Meanwhile, the debtor keeps putting multiple listings on my credit report making it look like I have more bad creditors than there is in reality. The debtor has never made an attempt to collect on this debt until I reported them to the credit reporting agencies. Then they filed a suit in the local court here ( they are from out of state ) while still not attempting to collect on this debt. Their own sworn affidavit to the court ( notarized and delivered by the Sheriff 's department to my door ) states they have no proof of the creation of the account ( see above ). Also, the debtor, after I disputed the account on XXXX XXXX, XXXX, placed the account opened status as XXXX XXXX, but on the official court documents and affidavit ( filed on XXXX XXXX one month after I disputed the account ) the debtor can not state when the account was created. They provided the earliest bill they have, dated XXXX XXXX, XXXX, but stated in the affidavit " XXXX 's business records show that as of XXXX/XXXX/XXXX, there was due and payable ... '' They make this statement just prior to the statement where they say the original agreement is " ... lost or destroyed ... '' ( see above ). So the debtor does not seem to be able to get their dates or other information ( facts of the case ) correct either.
Product: Credit card or prepaid card

Bought a XXXX tree from XXXXXXXX XXXX using my Capital One Credit card. XXXX charged my account $ XXXX twice. I called XXXX and they did not have anyone to fix the problem. I called Capital One after spending XXXX minutes trying to get to someone to speak with they transferred me to XXXX others who simply verified my identity and said there was nothing they can do about it. I was over charged $ XXXX and capital one refused to take the charge off my card. I ask for a supervisor they put me on hold for XXXX mor minutes and then hung up. 

XXXX XXXX XXXX XXXX phone