23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX, the consumer sent an Affidavit of Truth to Rocket loans on XX/XX/2021, to validate an alleged debt obligation. I have no knowledge of it and never received notice. Rocket loan never acknowledged nor responded to me. I need this removed immediately due to FDCPA and FCRA violations ... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g REMOVE AT ONCE.
Product: Credit card or prepaid card

This company has charged back several disputes based on their own opinions. I let the XXXX go for a flight I NEVER took and company promised the credit would be returned and NEVER did. So I turned to capital one and they charged it back with no proof I took a flight or reaching out to company. I let a XXXX transaction go for an item that was ALLEGEDLY left on my door step go and states it was delivered because there was a tracking number. But I never recirved this alleged item and refused to let me dispute it again. I called and advised them I didn't authorize a XXXX transaction for a car deal that was being disputed and now they are attempting to charge it back. The company hasn't responded. I didn't state fraudulent or contested this charge back. I stated It wasnt authorized at that time on XX/XX/19. I was in process of purchasing a vehicle and it sat on their lot for almost a month. And still haven't provided the guaranteed work on the vehicle.. And company didnt abide by the contract. The reps are putting in disputes as a reason for whatever they decide and consumers are being held liable for transactions they can not confirm on facts was received or delivered. I NEVER stated it was fraud I stated was not authorized at the time of the charge and XXXX XXXX didn't abide by a written agreement. We are still in a contract dispute because promises weren't kept. Clearly they don't listen to calls when customers call in for disputes. The rep XXXX XXXX Just stated being charged back because a chip was used. Never stated I didn't give them the card it wasnt supposed to be charged at that time and still haven't been resolved with contract. AND FOR HER INFORMATION CHIPS CAN BE UTILZED AND DUPLICATED. I have proof of this when my capital one debit card was used to deduct cash in Texas while I was at work in COLORADO on SHIFT and capital one STILL hasn't advised me how my card that was n MY possession was used and my ENTIRE check deducted from an ATM in Texas. And they credited THAT back AND IT HAD A CHIP. 
Funny it was a capital one card that was embedded with EMV chip to prevent access by counterfeit card. Since she's utilizing this as a reason to charge back the XXXX. Even though that wasn't the reason for initial dispute.
Product: Mortgage

XX/XX/2016 I called Nationstar mortgage, my servicer, to apply for a mortgage based on a solicitation I received. I spoke with XXXX XXXX at XXXX who accessed my current loan, which is now fully adjustable. I was interested in a HARP loan as my property is still underwater. XXXX wanted to pull my credit but I said before you do so I wanted to see if the rates were where I needed them to be as I has a bad experience with Nationstar the prior year ( more to come on that ). 

XXXX quoted 3.875 % on a XXXX ARM and 4.625 % on a 30 yr fixed based on my loan parameters. I said these rates were acceptable and that I wanted to apply. He said he would pull my credit, start the app, then call me back. XXXX mins later my phone rang and XXXX indicated my credit score was very high ; however, he misquoted the rate and in order to get 3.875 % I would have to pay XXXX points ( over $ XXXX ). This was not acceptable so I asked for his supervisor to call me back as I felt this was a bait and switch. If I knew that up front I would never have authorized hem to pull my credit as I did not want the inquiry. Note : the day I called the 10 yr bond was at a 3 yr low. 

The next day XXXX XXXX, the supervisor, called and said he listeded to the call. he apologized for his employees misinformation but could not offer me the 3.875 % rate. Again this was unacceptable as I would never had authorized them to pull credit if they told me the rate was with XXXX points. This is HARP loan and is supposed to help the consumer not extort them for XXXX points.. Note : my current rate is 3 % but fully adjustable and set to amortize over 20 years XX/XX/2016 The professionalism at Nationstar is severely lacking which is why I am filing this complaint. I attempted to refinance this same property last year, was locked in at 4.75 % with XXXX points and the loan was in process but the processor would not return any calls. She would just respond via e-mail.. I became frustrated and escalated to a supervisor who was not any better. The loan was being processed at XXXX. I did not have time for the back and forth e-mails as they kept asking for the same thing multiple times and would not call me to discuss. I never heard back from them and to this day I still have not received a disposition letter. 

With Nationstar being my servicer I have no other viable options for this HARP 2.0 refinance and I keep getting the run around from them. They need to honor the rate that was quoted as my payment is set to double this fall based on the letter I just received.
Product: Consumer Loan

I was previoulsy informed by the Department of Homeland Security that my information was invovled in the security breech and that my information needed to be monitored. In late XXXX early XXXX my checking account was compromised and my payment that was sent to Worl Finance was returned. I contacted World Finance and explaned to them the situation and they agreed to allow me to bring my account payments current on or before XXXX XXXX. I set a payment to be payed from my new account on XXXX/XXXX/2015 which was recieved by World Finance. I received a phone call from them stating that they are refusing my payment because I had a report XXXX return payments. When I inquired about return payments he stated that my most recent payment was returned and a payment that was on a previous loan was returned as well. I informed him that I called about the previous payment and the conflict with my old checkking account being frozen due to the information breech which he confirmed was in the notes. He then stated that its a sign in the store that states when loan payments are returned XXXX or more times they are no longer going to accept payments from me. I then argues that my contract does not specify any of this and that I was unaware of any signs in the store. He the stated that he was returning my payment and that no other oayments sent to them form my bank will be accepted. I asked to speak to a manager but was told he would call me on Friday XXXX/XXXX/2015. On XXXX/XXXX/2015 the manager never called. I the contacted World Finance and I was spoken to harshly by a young woman on the phone. When I tried to explain my problem she stated that the polucy which I was calling about was a corporate policy and was not lsited in the contract. She then stated that the manage would then contact me on XXXX/XXXX/2015. As of XXXX/XXXX/2015 no one has contacted me and I have called several times to the store but now XXXX will take my call. XXXX payment made on XXXX/XXXX/2015 has been sent back to me. In addtion I would like to mention that I have had several loans with this company and have had an excellent lending history with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

trans union has record that I did not pay XXXX XXXX {$7500.00} this info was reported from a credit agency, debt buyer on XX/XX/year>. I never did business with this company.T/U file # on this is XXXX. I disputed this with T/U and was told all their docs are correct. This might be ID theft or mistaken ID. this info was reported by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. phone # XXXXi called XXXX and was told they could not find any details on me or claim. I called XXXX again, used their automated system, and was told by computer voice my balance was {$450.00}. I tried to contact XXXX and could never get a human voice and was disconnected with their auto phone process,
Product: Credit card or prepaid card

At this time, CashApp is refusing to reactivate my debit card issued with the number XXXX. CashApp attaches their issued cards to one 's phone number, and allows one to create their own id hash tag, but their methods of portability is flawed when one obtains a new phone with a new number and wishes to keep their hash tag. My hash tag is $ XXXX, and CashApp refuses to transfer it to my new number. They respond to emails with worthless solutions that only lead you back to the same email, with the same answer.
Product: Credit reporting or other personal consumer reports

I was looking to buy a home, on XX/XX/2023. I went to annualcreditreport.com to look at my credit and discovered that my credit card was damaged badly! According to the 15 U.S.C 1681 law, there should not be any damages on my report which is defamation to my character.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 168b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted TransUnion to cease and desist the inaccurate and incomplete information being reported on my credit file. I disputed several items and requested that TransUnion furnish the following as required by law : The procedures used to verify each disputed item as per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), The name and qualifications of the certified individual conducting the investigation, and Documentation related to charge-off accounts, specifically as mandated by 15 U.S.C. 1666b.

Instead of fulfilling my request, I was informed by a TransUnion " specialist '' that no actual person conducts the investigation. Instead, the process is delegated to a machine-operated system called e-OSCAR. I find this method entirely inadequate, as it fails to consider the specifics of my dispute, the documents I provided, and the detailed nature of my claims. How is this system in fairness to the consumer? 

Issues Raised : The e-OSCAR system does not satisfy the standards of a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). Automated verification without human oversight or thorough document review can not ensure accuracy and fairness.

TransUnion has not provided the procedures it used to verify the disputed information nor the name of the individual ( if any ) responsible for reviewing my case.

No evidence has been provided regarding the charge-off accounts, in violation of 15 U.S.C. 1666b, which requires that billing errors and charge-offs be properly investigated and substantiated.

Violations of Consumer Rights : This lack of transparency and failure to conduct a proper investigation is a direct violation of my rights under the FCRA and has resulted in the continued reporting of inaccurate information on my credit file. The automated approach taken by TransUnion has deprived me of a fair and individualized review of my dispute. 

Request for Investigation and Action : I am requesting that the Consumer Financial Protection Bureau : Investigate TransUnions use of the e-OSCAR system and determine whether it meets the requirements for a reasonable investigation under the FCRA. 
Require TransUnion to provide the procedures used to verify my disputed items, along with evidence supporting the charge-offs, in compliance with 15 U.S.C. 1666b.

Ensure that TransUnion performs a proper investigation that involves the review of the documents I have submitted, as well as the details of my dispute. 
I have enclosed copies of my communications with TransUnion, the documentation I have provided them, and their responses, or lack thereof. 

Thank you for your time and attention to this matter. I trust that the CFPB will take the appropriate steps to ensure that TransUnion is held accountable for their failure to uphold my consumer rights.
Product: Debt collection

Collection on my credit report end of XXXX and then again XX/XX/XXXX. It was from XXXX and I have never had account with XXXX. I found that I was the victim of Identity Theft so I went through the process and filed FTC Claim and reported to other agencies, including putting Credit Freeze on all three Credit Agencies. 
I have excellent credit and always have, so these delinquent notices on my credit report is upsetting to me! The amount is {$1400.00}. 
Fast forward to today, XX/XX/XXXX, there is the same XXXX Debt on my Credit Report but it is from a Third Collections Agency! 
Today I was able to speak with a very cordial individual at Credence Resource Management Collections who said she was going to report this as Fraud to the back office of XXXX. 
However, this is the THIRD time I have been hit with the same debt that is not mine and was a result of Identity Theft. I also filed a dispute this morning with XXXX, Dispute Report # XXXX. 
And I am getting frustrated that XXXX keeps selling it to the collection agencies! Or at least, I think that is how it goes.
Product: Money transfer, virtual currency, or money service

My wife XXXX XXXX went to a Branch of Navy Federal Credit Union in New Jersey, over there they says you're very nice and helping a lot of people in need, so we will have to pay {$5000.00} plus {$3600.00} for the Wedding Certificate, and they gave a Document I'd like to attach with this message, as I have seen I paid {$8700.00} to Tax manager XXXX XXXX as instructed by you with the receipts. Why do we have to pay one more time at the Credit Union? anyway I reported to the U.S. Treasury Inspector General for Tax Administration ( TIGTA ), to arrest Tax-fraudsters already, who will be liable to pay {$5000.00} + {$3600.00} + {$1500.00} = {$10000.00}? 
So if the Navy Federal Credit Union won't be able to respond properly, I will file a complaint to the USA Financial Ombudsman and someone will pay an interest rate of % 8 on the amount of $ XXXX according to laws of The US . 
This is a deceptive scheme to delay my funds to my XXXX XXXX XXXX XXXX Account. No Financial Business charges fees like that. 
so please sort out this matter as soon as possible if not it is too late
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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
Product: Debt collection

I get over 30 calls a day. I explain that I am at work and they continue to call.
Product: Checking or savings account

Chime banking! 

Somebody made an unauthorized purchase on my debit card to XXXX XXXX  This flight was leaving XX/XX/XXXX - XX/XX/XXXX for XXXX XXXX. For {$600.00} some dollars thats a lot of money to lose. I filed a dispute in XXXX. 2 times already was suppose to get my money back or temporary credit back XX/XX/XXXX here we go XX/XX/XXXX and they still giving me the run around denies my claim before XX/XX/XXXX. Which is XXXX now and Im frustrated. The investigation team not doing they job. If I never checked in this flight. And the airline have proof that I never checked in. Then I should be able to get my money back. I even sent documentations before the plane left XX/XX/XXXX. Ive never got on this plane Im highly frustrated with this company! They want fix the errors or give my money back. They have some rude people answering the phones.
Product: Credit card or prepaid card

For the last 6 years, I have been trying to address two Capital One credit card accounts with the financial institution. One account ( ending in XXXX ), Capital One continues to charge two separate interest rates one for general purchases and one for cash advances. More than 6 years later, Capital One is still charging me for a cash advance that occurred in XXXX. Yet when I look at my previous statements, there was no cash advanced shown on the statement. In fact, XX/XX/XXXX, I received a letter from XXXX XXXX, XXXX, phone number XXXX, ext. XXXX sent me correspondence showing dates and amounts of cash advances beginning in XX/XX/XXXX through XX/XX/XXXX. In addition to her letter, Ms. XXXX sent a stack a papers - which consisted of previous statements, which was a clear indication, Capital One is hiding something, " theft! '' when I try to reach out to discuss this matter - I just receive a blanket voicemail message with no name. However, when I go back to look at those statements, there are no cash advances whatsoever on at least 5 entries. A copy of this letter was supposedly sent to CFPB as well. 

I just made a large payment on this account in XXXX XXXX and Capital One is still charge two separate interest rates, which I view as interest rate gauging and illegal charges. I am aware of the most recent lawsuit in which a class action lawsuit accuses Capital One of forcing their customers to pay unfair credit card interest on transactions that have been paid off. For instance, if a consumer makes a {$100.00} purchase and pays {$99.00} of it by the next billing due date, one would expect that this remaining balance would be subject to interest. This is what has happened to me repeatedly. Capital One customers who pay off purchases, in full, in a given month are often shocked to find that they are still charged interest on their next months. Capital One for more than 6 years has been charging me interest rates per month ranging from $ XXXX {$100.00}. If I make a general purchase, then the interest rate for the cash advance increase as well - even though no cash advance was made. 

I am also experiencing this same issue on my account ending XXXX. I addressed this issue as well, but Capital One never responded to the erroneous charges where interest rates where nearly {$85.00} per month. 

When I asked the customer service representative for a lower interest rate on both credit card accounts, I was denied or told I have the lowest possible APR available. I am certain this was done out of malicious wounding as a lower rate would result in less profits for Capital One. 

Please refer to The Capital One Credit Card Interest Class Action Lawsuit is Dress v. Capital One Bank ( USA ) NA, Case No. 4:18-cv-40064, in the U.S. District Court for the District of Massachusetts ; as these same practices have been captured in the lawsuit. 
CFPB failure to address this globally is partly responsible
Product: Vehicle loan or lease

In response to a loan offer that came in the mail from OneMain Financial in late XXXX of 2019 my wife responded with a request for an additional {$6000.00} added to our existing loan of {$2600.00} in order to help us through the summer. 
On XX/XX/2019 my wife contacted Ms. XXXX XXXX, Sr.  Personal Loan Specialist from OneMain Financial, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, North Carolina XXXX. On the phone Ms. XXXX discusses with my wife providing us a new loan on our car that would fold in the present loan we have and provide us with a better interest rate. This option was attractive to us because my wife is a XXXX  and does not get paid over the summer vacation. The money would be used to help us make it through the summer and pay down some outstanding debts. 
My wife an I met with XXXX XXXX on XX/XX/2019 to discuss this option and sign the new loan papers. At know time during our meeting were we informed by Ms. XXXX that our existing loan of {$2600.00} would not be folded into the new loan request. We only became aware that the old loan was outstanding when we received a bill on XX/XX/2019 for {$480.00}. 
At present we have two outstanding loans with OneMain Financial, the new loan with a balance of {$17000.00} and monthly payments of {$480.00} and the original old loan with a balance of XXXX and monthly payments of {$350.00}. 
This was not our understanding of the facts of the loan we discussed with Ms. XXXX. We feel very strongly that Ms. XXXX " flipped '' us into a situation that is totally unsustainable. These two accounts will put us under extreme hardships unless we are able to get some relief. The contact information for XXXX XXXX is XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name isXXXX XXXX and i call world finance several times trying to resolve my loan problem and they keeping telling me they have nothing to do with the loan anymore and that they sold it so they cant do nothing about anything on that loan but they still reporting negative on my credit
Product: Debt collection

A lady named XXXX called my mom ( unrelated to this issue ), and called myself at work. Their attempt to repossess a vehicle that is not theirs has been harassing and abusive to me as a consumer, pursuant 15 USC 1692d. Also they are in violation of 15 USC 1692e. They claim they are not a debt collector but pursuant 15 USC 1692a ( 6 ) states, The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Pursuant 15 USC 1692a ( 5 ), The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. The repossession/collection of the vehicle is a collection of debt. I have not given anyone permission to share and use my information in regard to this alleged debt. If anyone communicates with me or my family again, I will pursue with legal action. CEASE AND DESIST ALL FUTURE CALLS, MAIL, ETC PURSUANT 15 USC 1692C.