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

I purchased a new vehicle in XX/XX/XXXX. My first payment was due XX/XX/XXXX. I did not receive any information regarding where to pay may bill until a week before the payment was due. I attempted to log into my account multiple times, but the company 's website continually states " We could not locate your account. Your information does not match our records. '' The message goes on to give a toll-free phone number and the hours of operation. When I called the phone number, I would be put in, what I assumed was some kind of call queue. No one would answer the phone. I did finally get to make a payment. However, the only way I could make the payment was to pay {$10.00} more than my agreed monthly payment and I had to make my payment via XXXX XXXX. The company did call me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but they called me while I was at work. It is my understanding of the Dodd-Frank act, that debt collectors are not permitted to call you at work. They left a phone number for me to call them, but were not and are not available outside of my working hours making it almost impossible to communicate with the company. I was able to call the company on my way to care for my elderly mother at lunch time. Since I did not have a computer to use while I was driving, the individual I spoke with told me she could not help me. She stated that I am entering incorrect information in the registration form. While I did not have my account number with the company with me at the time - I do not carry such information with me wherever I go - I did verify my social security number which is the alternative form of sign-up on their website. She state that was correct. I have attempted multiple times since then to try to get logged into my account. When I try to sign into the website, I still get the same message " We can not locate your account.... '' My next payment is due tomorrow. I attempted to log in again this evening. Again I got the error message. I have screen-shots of my attempts to log in with the messages. This company is doing its best to unfairly deceive consumers purposely making it difficult to pay their bill in an attempt to force them to use XXXX XXXX and to force customers to pay more than the agreed monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit dropped tremendously so I pulled up a credit report. It shows that RC Willey is still an open account. Under account status and payment status itsays current. For status update it says XX/XX/2019. It shows that I have a credit limit of XXXX and used {$930.00}. I called RC Willey in XXXX XXXX, and I was told that the account was closed however, under payment status, on my other accounts it says debt included in or discharge through bankruptcy chapter XXXX, XXXX, or XXXX which it should say that too. I called my attorney and confirmed that we did put RC Willey in the bankruptcy.
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. 

Account : XXXX # XXXX Account : XXXX # XXXX Account : XXXX # XXXX Account : XXXX XXXX  # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX  # XXXX Account : XXXX  XXXX XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 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: Checking or savings account

On XX/XX/24, I received a call from the Wells Fargo fraud department telling me they were verifying a {$110.00} charge on my debit card. I never use this card for purchases and I said it was a bad charge. I provided info on my debit card, including number and pin. This turned out to be a scam but I didn't realize it. The next morning, I checked my account to be sure the {$110.00} was not there, only to find a charge in XXXX for {$2500.00}. I called the WF fraud dept immediately. They provided a provisional credit. They now are saying it is a permanently closed claim and I am responsible for the money because I provided the acct # and pin. 

Obviously, this was a terrible mistake which I realized after the fact. I am a XXXX XXXX XXXX widow, have never made a purchase on this card, and have not informed WF of being out of the country, have never been to XXXX and know no one there. This charge should have been picked up initially with a phone call verifying a large charge on a card that I have owned for years and never used except as an ATM transaction. 

Their regs indicate that I have zero liability if there is stolen activity for unauthorized transactions. The account info was stolen in a scam call and I never authorized the use of my account. The letter from WF ( included as an attachment ) indicates the charge was made by me or someone who had my permission, patently false. 

WF has said they will not re-open the case. I need your help to resolve this situation where I, a consumer was scammed, and the bank is calling the result of the scam an authorized transaction.
Product: Vehicle loan or lease

I have reached out to the company to release the retail installment contract. I am requesting all of the account level documents.
Product: Vehicle loan or lease

This is an additional evidence of what transpired and the email received and my response for complaint # XXXX I copied and pasted there email to me and copied and pasted my response 1 enjoyeu speaking win you anu rope i was dule to answer all your questions effectively. 
At XXXX XXXX XXXX, we are committed to exceeding the expectations of our customers, and I will do everything possible to ensure that you are completely satisfied. We know that buying a new vehicle is an important decision, and we are committed to helping you make the right choice.

Please do not hesitate to call, or stop by, with any questions you may have concerning the vehicle we discussed. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sales Rep ( XXXX ) XXXX cell/work/text # ( XXXX ) XXXX ext # XXXX ( office # ) Email : XXXX ~ Reply to All Mail O Search XXXX Calendar Good evening XXXX thank you for the email. 
However this email is completely false and fraudulent as this afternoon you hung up the phone on me when I was simply exercising my consumer rights. And now I feel discriminated and XXXX profiled over a auto loan which I was extending my credit to XXXX by trying to do a consumer credit transaction. But that's ok I've spoken with Ally financial and they recommend I file a complaint with the CFPB which I have already done this evening.
Product: Mortgage

Ocwen Loan Servicing has not processed my loan modification and is basically blaming me for the delinquency, stating that they did n't get documents. This would be my second time using them for a first loan modification. I had sent my new application to them in XXXX timeframe. I had decided to go with back with them since it was a pretty smooth process the first time. This time has been a complete fiasco. They sent me a letter stating that my loan modification had been approved XXXX/XXXX/2016, subject to information ( one form ) that was faxed to them on XXXX/XXXX/16. A Delinquency Letter was sent XXXX/XXXX/16. After that, a letter a month came with a new issues every time. After speaking to them on various occasions, they stated that there was nothing to worry about, all of this is was standard procedure for loan processing. However, like I said previously my loan had already been processed and was approved. As the mortgage statements came I continued to pay the amount stated as my modification. Then they sent me a letter stating that my application was n't complete in XXXX 2016, the document missing was a tax form. We sent the document that they requested four different times as you will see from the faxes. They also had left out the information that was needed on the tax form and by the third time sending it then asked for a letter of clarification. The main problem was that they took an IRS form and made it theirs ( which was illegible on their part ) I ended up downloading the form directly from the IRS site. After they said the form was legible they said they would reprocess my application which had already been approved in XXXX. It has been an on going battle. They said my loan should be completed by XXXX XXXX and scheduled a conference call for the XXXX. Prior to that they sent a letter stating that they had not gotten a response from the third party loan ... On the call on the XXXX then stated the application was with the underwriters and would still have to get word from the third party loan. Ocwen went on to give info from help if loan does n't go thru ... What?????? Please review all attached documents to help settle my compliant. I am XXXX and do n't want to lose my home to foreclosure.
Product: Credit card

I signed up for the Capital One XXXX credit card at the beginning of the year. This is a travel rewards card offering points for spending plus a welcome offer after spending {$4000.00} on the card within the first three months. 

I hit my minimum spend on the card, earned my bonus points, and went to convert the points to travel partners for a trip I plan to take in the fall. After clicking to convert rewards, however, I am stopped by a second Two-factor Authentication screen that needs to reverify the phone number already on my account. This verification explains that Capital One will verify my phone number with my mobile carrier before sending a verification code to my phone, however, this process does not work. There are no other Two-Factor Authentication methods either, no email or notification prompt, only the phone number. 

After providing my phone number ( again, the same phone number already on my account that ) the screen immediately tells me that my phone number could not be matched to my name. 

I have now spoken to three customer service reps to try and get this issue fixed and have received nothing more than reassurances that " I understand that must be frustrating '' and " I'm sorry, there's nothing we can do. '' This experience is not unique to me either, which I was led to believe a first as the long list of XXXX threads and other forums with customers experience the same issues ( and same complaints bout customer service would indicate ). I am at a loss for what to do here. I signed up for and spent money on this card for the promised rewards which so far are proving to be nothing more than a scam.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Payday loan

I have set up certain days to have my payments pulled from my account and this company has pulled 6 times in the last 5 days and has cost me XXXX dollars in bank fees.
Product: Checking or savings account

Someone intercepted a check I had mailed in the amount of {$1200.00} to my credit card company. They washed the check and made it out to themselves for {$6300.00} and cashed it on XX/XX/2022 via mobile device. They also were able to get into my online banking and transfer {$6500.00} from my savings account to my checking account on XX/XX/2022 so the check would clear. I discovered this transaction on XX/XX/2022 and immediately notified my bank via online chat and then went to my local branch the next day. I was told they are working with the financial institution that cashed the check and it could take 90 or more business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting on my consumer worthiness, but I have never made a contract with them that I know of. Furthermore, they were supposed to investigate anything that posts to the investigative consumer report, but still report everything. I never gave consent for my information to be sold either. I am the consumer and source of the credit, and Experian makes it very hard for me to make any consumer credit transactions. I got my report, and it had no score, almost 100 inquiries from one person, and many other things. Congress sates they are an elaborate mechanism that pretends to be someone who intervenes to report on the credit worthiness of consumers. Saying that, from my understanding they never talked to anybody I know personally. 15 USC 1681a ( e ) states there isn't to be any factual information from a creditor on there. As a consumer, I am the creditor and have never expressly communicated with Experian until after receiving my report. 

So after reviewing my report I sent an affidavit ( true statement of accounts ) with an invoice, and requested no email or electronic response. They received my mail on the XXXX of XXXX. I received emails saying the investigation is complete 3 days later. 
Personally it doesn't feel as if they investigated, as it was supposed to be investigated before it went on my report. Secondly, an affidavit not responded to stands as truth in my understanding.
Product: Checking or savings account

I have submitted a dispute for a large amount ( multiple transactions ) of unauthorized transaction that happened on XX/XX/XXXX for total amount of {$1900.00}. It has been about a month now and still no provisional credit has been given. 

I only received a notice that they are working on it without any specific dates. Even though they are still investigating and will take over 30 days now they have no provided any provisional credit or a permanent credit. Not providing the any credit for the unauthorized charges at this point when the time has significantly passed is a clear violation/breach of the consumer contract. 

As I said, I can wait until the investigation to complete, but I will need to have the proper provisional credit to be provided - if the investigation will continue further than 30 business days.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing these accounts. I've contacted the companies, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the accounts. However, Transunion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite repeatedly submitting my claim to Transunion for years now, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. It appears Transunion is failing to fulfill its legal obligation to process the identity theft report eventhough the companies already removed the accounts from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. Please DELETE the accounts : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all inquiries from my report excluding a XXXX credit card. In the attached file is a police report, FTC identity report, and Experian confirmation of data breaches and dark web personal information breaches.
Product: Debt collection

The original collector XXXX XXXX in XXXX did not want to process my bill through Medicaid which is the insurance I had at the time. And I asked ARC to also try that and they refused. Also Medical Debt is supposed to be removed from my credit report based on the latest law / regulation pass via BidenXXXX XXXX 

Details are here : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts are inaccurate, do not comply with Metro 2 Format Compliance Standards, and are causing significant harm to my creditworthiness. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 I request that these items be reinvestigated and promptly removed from my credit file.

Disputed Accounts : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX - XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX - XXXX Account Number : XXXX Basis for Dispute : Inaccurate Reporting : The disputed accounts do not accurately reflect my credit history. Specifically, they fail to comply with the Metro 2 Format Compliance Standards, which require accurate, complete, and verifiable reporting of consumer credit information. Violation of the FCRA : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit reporting agency is required to conduct a reasonable investigation and correct or delete any information that can not be verified. Harm to Creditworthiness : The continued presence of these inaccurate accounts is highly injurious to my credit score and financial reputation. This has resulted in denied credit applications, higher interest rates, and other financial hardships. Requested Action : Reinvestigation : I request that the credit bureau conduct a thorough reinvestigation of the disputed accounts in accordance with the FCRA. Deletion or Correction : If the accounts can not be verified as accurate, I demand that they be immediately deleted from my credit report. Compliance with Metro 2 Standards : Ensure that all reporting complies with the Metro 2 Format Compliance Standards, which mandate accurate and complete reporting of consumer credit information. Updated Credit Report : Upon completion of the reinvestigation, please provide me with an updated copy of my credit report reflecting the changes. Enclosed Documentation : To support my dispute, I have included the following documentation : Copies of my credit report with the disputed accounts highlighted. Any additional evidence supporting my claim ( e.g., payment records, correspondence with creditors, etc. ). Thank you for your prompt attention to this matter. I expect a response within 30 days, as required by the FCRA. Please send all correspondence to the address listed above.
Product: Credit reporting or other personal consumer reports

Inclusion of sealed Eviction Proceeding Records in Tenant Screening Reports, Inaccurate Labeling, & Inaccurate Disposition.

Provided To : Applicant Check Report Date : XX/XX/year> >>>>>Consumer effort to dispute TransUnion data tenant screening inaccurate information included in its background reports provided to their venders & third-party companies.

Reported records and information included incorrect disposition of eviction cases, monetary amounts, and sealed records.

The inaccurate and completeness of information reported significantly interferes with eligibility to obtain housing which results in the ongoing denials and prevent consideration approvals of tenancy applications.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This company is reporting late payments on this account this company XXXX account XXXX XXXX responded to a CFPB complaint on XX/XX/2024 confirming that no late payments were reported to the bureau for XXXX XXXX XXXX XXXX  for this account.
Product: Credit card or prepaid card

Signed up for the American Express OPEN Starwood Preferred Guest Business Credit Card and approved on XX/XX/2017. Promotion stated XXXX SPG points after {$6000.00} spend in the first 3 months and an additional XXXX points after {$10000.00} spend in the first 6 months. Met the requirements and no points awarded. After multiple calls my case was placed under investigation, told to wait 8 to 12 week. No points awarded. Have called multiple times to XXXX   OPEN and no explanation given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest recovery system is reporting on an account on my report that doesnt specify what account and time that it was established that I have no knowledge of in the amount of {$420.00}.
Product: Debt collection

I sent a letter back in XX/XX/2014 not to contact via phone to write me a letter because the calls were harassing me. The calls stoped until recently my voice mail has a recording of a message from this company and a couple other messages just asking for me, but the voice is the same. The harassing had started again.
Product: Checking or savings account

The bank froze my account to all withdrawals. Began on XX/XX/XXXX. On line it said it was because I needed to fill out a XXXX and signature form but when I clicked on it to fill out forms it said " not available at this time, please try again later ''. Then I called the bank on the XX/XX/XXXX, they said they were doing a review of the account because of returned items and it would take three business days and be available on the XX/XX/XXXX. On the XX/XX/XXXXmy account was still frozen so I called again, spoke to an excutive customer service agent and this time they claimed the account was frozen because they believed someone tried to hack my account. They did n't know when my account would be unfrozen. Then they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington Mortgage services reported me late for XX/XX/2020. I sent the regular payment on time. They called that the payment had changed due to escrow changes. I paid the difference over the phone. A consumer can not be reported late due to escrow changes
Product: Debt collection

I have been violated by Bank of America/XXXX XXXX on XX/XX/2021. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.