23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax Is willfully reporting inaccurate information on my credit report Acct XXXX # XXXX XXXX # XXXX I disputed XXXX accounts they were showing open and delinquent past due. After the dispute it now states zero balance and closed. I Also disputed with XXXX and they removed /Deleted off of my credit report. All XXXX Credit bureau 's need to report the same information but Equifax Has not Remove/ deleted the item.
Product: Credit reporting or other personal consumer reports

Contacted TransUnion about unauthorized inquiries on my report. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XXXX I purchased a car at a reputable dealership in NY and was offered the Credit Acceptance XXXX XXXX loan. I was a newly divorced, single mom with not much credit and in need of a car. I was mislead to believe this was an honest loan company, but they have been predatory and changed the terms of the loan I signed up for, and have been fraudulent with me multiple times. I have paid every month, however, during the pandemic when income was dangerously low, the company said they are offering loan holders a payment hiatus with no penalties until things improved in our country 's workforce. Even though I was told by Credit Acceptance that I could resume payments at a later date, I still paid {$200.00} per month ( original monthly amount was {$500.00} ). After the pandemic crisis, my balance went up astronomically, and I was saddled with enormous late payments, interest and hidden fees. They also reported those months as late payments to the credit bureau and my account is listed as in delinquency. This was fraudulent and has severely impacted my credit score rating. I am in an enormous amount of debt now with this loan. The loanbalance is almost the same as when I bought the car, and even though I pay auto-debit {$500.00} per month every month, on time, they continue to charge me with monthly late fees and say they wont take the late fee or delinquent status off my credit report unless I pay {$11000.00} immediately. I have been paying the agreed {$500.00} per month for many, many months now! When I told customer service recently that my pandemic arrangement never included information about going into delinquency, they denied it. They flat-out lied. Customer service seemed more than happy to work with me in the height of the pandemic, and I was always on top of communicating with them ( and how could I not -- they called me multiple times a day, bordering the. fine line of harassment ). Meanwhile, I am afraid this old car will die before I can sell it. The worth of the car is now MUCH lower than the loan balance. My credit is suffering. Before I set up my auto-debit, I was 1 day late with my payment and they repossessed my car twice. I feel imprisoned by this scam company with no way out. I am a single mom who works very hard and pays all my bills on time. I am trying to build my credit and future for my child and this terrible company is ruining any chances I could ever have to purchase a home or another car or get ahead.
Product: Payday loan, title loan, personal loan, or advance loan

Used Klarna to make a XXXX 's purchase. Returned all items and was only given a partial refund. Neither Klarna not XXXX 's will resolve the issue. It was very hard to even find customer service for Klarna and they passed the buck to XXXX 's once I was able to finally contact them. Feel like I am caught between Klarna and XXXX 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I checked my Transunion credit report, I notices two accounts on my report that not mine .I disputed this threes times with XXXX and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Accounts below ; XXXX XXXX XXXX # XXXX, Open Date XX/XX/18 {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was breached that Equifax was supposed to be protecting. In fact I have never given equifax the expressed written consent to use or furnish my personal information. I am not sure what gave them the authority to do so. I want to be compensated for my personal information being compromised in the amount of {$50000.00} and free credit monitoring services for life.
Product: Mortgage

The problem is State Home Mortgage made errors on my account and instead of acknowledging their error, they are hoping the problem goes away. I would like a resolution for this fraudulent company. My mortgage was sold to this horrible company soon after the closing and I have had the worst experience possible. This situation is regarding them not paying my mortgage insurance which wiped my escrow account the following year, which resulted in a major increase in my monthly payments. I went above and beyond in XXXX to make sure my payments were lowered and due to SHM not taking the time to catch the error my account is now ruined. They calculated the incorrect amount for my future insurance payments which did not cover the actual insurance payment, and the insurance company DROPPED my account. So, I was stuck with no insurance and a high mortgage payment. They did nothing to fix the issue.
Product: Vehicle loan or lease

Capital One has offered me auto loans which I was super excited about because Ive been with them over 10 years and they never off me anything. But what Im not understanding is the misleading of the actual auto loan process. Im not sure if theyre going off my credit or if they go off of what type of vehicle I get or want? I looked for a XXXX XXXX XXXX XXXX and I told the dealer that Capital One had approved me and to use Capital One and not to run my credit with any other banks until we see what Capital One was going to do. Capital One was raising the APR based off what type of vehicle I want it not off of my credit like a flat APR rate, but it was fluctuating based off of the particular vehicle. What I wan na know is why all my ear is getting in the car. Ive never had a bank told me if I get a XXXX my APR is 9 % but if I get a XXXX is 18.99 %. I find it very sad and outrage and misleading to people that is ridiculous. They need to be held accountable for this no way in XXXX should somebody have to have a fluctuating APR based off the vehicle it should be based off my credit, my income, and if I can pay it pr not. Trying to put me in more debt based off of the vehicle is crazy. I did not move forward with any loans with Capital One. Also, they wanted a big down payment. Basically I was gon na be paying a vehicle off by putting the down payment down doesnt make any sense. They gave me a certain amount of finance but when its time to finance, thats not the amount I was qualified for weird. Capital One do better.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I was shopping for a car. Over the course of 2 weeks, I must have submitted anywhere from 30 to 40 applications for credit.
The inquiries showed up immediately on my reports, but now, it looks like all my scores have gone down 30 or more points. I 'm not sure if this correlates with the closing of a secured card I had with XXXX XXXX ( the only one I had ) or if this is a result of the inquiries. 

If it is a result of the inquiries, I am confused. Those were back to back in efforts for me to shop around for the best deal. I thought most scoring systems counted this kind of inquiries as just one.
Product: Student loan

I sent multiple complaints including on XX/XX/23, XX/XX/23, XX/XX/23. I have approximately {$170000.00} in one loan, and {$43000.00}, {$40000.00}, {$47000.00}, and {$47000.00} in 4 other loans. I have requested consolidation back in XX/XX/23 and then again more recently on XX/XX/23. The incompetence of Mohela has resulted in me missing 6-7 PSLF payments , with more to come, as I only have 1 PSLF payment counting towards my {$170000.00} loan that is reflected on the Mohela website. 
My full ( approx ) {$340000.00} in loans are still not reflected on Mohela, and my monthly payments have not been counting towards PSLF. This quite frankly is costing me thousands of dollars and time. My tax document from Mohela reflects {$14000.00} in " student loan interest received by lender '' yet none of my payments are going towards the SAVE plan. 
This is beyond frustrating and no doubt illegal.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint : Violation of Credit Reporting and VIP Journey Membership Terms I am writing to express my deep dissatisfaction and frustration regarding the ongoing issues I have encountered with XXXX XXXX XXXX XXXX specifically as a VIP Journey member paying {$99.00} per month. 

Despite being promised expedited credit reporting to TransUnion, XXXX, and XXXX, it has been nearly 90 days, and my tradeline is still not reporting to XXXX and XXXX. I have reached out to your company via email on multiple occasions, but the matter remains unresolved. 

Furthermore, the tradeline reported to TransUnion does not accurately reflect the promised {$30000.00} credit limit for VIP Journey members, as stated on XXXX 's website. I deliberately increased my bills to {$30000.00} in anticipation of this reporting. However, the credit limit reported to TransUnion is " No Info, '' which contradicts the commitment made as part of my VIP Journey membership. 

This discrepancy not only misrepresents my creditworthiness but also violates my consumer rights and the Fair Credit Reporting Act ( FCRA ). I have brought this matter to your attention via email, yet the issue persists, and my attempts to resolve it have been unsuccessful. 

To exacerbate the situation, I recently filed a dispute with TransUnion regarding the inaccurate credit limit information. Shockingly, TransUnion informed me that XXXX XXXX confirmed the accuracy of the information, which is patently false and adds another layer of concern regarding compliance with the FCRA. 

This situation is not only frustrating but also damaging to my credit profile, and I believe it is imperative that XXXX XXXX addresses these issues promptly. I am left with no choice but to consider this a serious violation of my rights as a consumer. 

I request immediate action to rectify the following : Prompt reporting of my tradeline to XXXX and XXXX, as promised. 

Accurate reporting of the {$30000.00} credit limit to TransUnion. 

Resolution of the dispute with TransUnion to reflect the accurate information. 

I trust that XXXX XXXX takes this matter seriously and swiftly rectifies these issues to uphold the standards promised to its valued customers. Failure to do so XXXX compel me to explore further avenues to address these violations.
Product: Mortgage

Dear CFPB, I have lived in the XXXX XXXX area for the last 30 years and strive to be a good citizen. I vote, pay my taxes, and am an active member in the community. I really enjoy where I live, but am in a situation where I may lose my house to foreclosure. I have been trying to work with my mortgage servicer, Wells Fargo, but they are failing to communicate properly and are not providing me an opportunity to pursue retention options. They have never given me a single point of contact who would return any of my calls, and now I have a foreclosure sale scheduled for XXXX XXXX. 

My discussions with them have stalled and I am hoping you can contact them and open a line of communication that leads to a constructive conversation regarding my mortgage and the pending foreclosure sale. 

I have worked for many years in XXXX. I never had any problems or issues financially until I had a horrific traumatizing experience : my XXXX year old son passed away. This experience was devastating, setting me back emotionally, physically and financially. You know that saying when it rains it pours? My child support ended, my XXXX husband could not endure the crisis and left me and filed for divorce, and then I struggled to find a job while still grieving. As a result, I could not keep up with my mortgage and fell behind on my loan payments. I reached out to Wells Fargo to negotiate a repayment plan or a loan modification, but I could not get anywhere. I was so frustrated!!! I tried to make a partial payment, but they sent the payments back and told me I had to pay all the arrears in full!! I gave up trying to deal with them until I got somewhat established financially. I inquired again in 2014, but was told over the phone the same thing again ( that I had to pay the arrears in full ). I decided to try anyway and applied for a modification and got denied a couple of months ago. However, I was never given any alternative options to save my home or appeal the decision. 

I have to continually try to explain my position to the representatives who answer the phone, but I ca n't seem to get any answers from them. They flat out have been lying to me throughout this process, telling me that they want to help and that falling further behind actually makes a better case for modification, and then denying me any help saying that I 'm too far behind. They have essentially slammed the door on communicating with me. I just need someone at Wells Fargo to speak with me and give me reasonable options to save my home. This is an avoidable foreclosure and I believe I qualify for help if Wells Fargo would come to the table and have a constructive conversation. I would like to see if you could contact them on my behalf and get them to speak to me in an attempt to save my home from foreclosure and give me a proper review for retention options. I would be grateful for your effort
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called, Sage Stream, ( who I have never heard of before as they are not one of the major reporting credit bureaus ) sent me letter XXXX failing to put the proper address on it ) claiming I requested a security freeze on my consumer file. I NEVER REQUESTED ANYTHING FROM THEM AS I HAVE NEVER HEARD OF THEM BEFORE! How can I request anything for a company that I never heard of before prior to my last complaint? Why would I provide proof of address to a company that I have never heard of before and I have not had my credit pulled in almost 2 months. They send this 12 page letter with no substance, no report, just asking me to send them my personal information and I dont know who they are. Not doing it!
Product: Debt collection

I never spoke with this CO some from their made a dollar payment to make this account active again
Product: Vehicle loan or lease

XXXX Loan payoff received by Bank Of America. 
XXXX Bank Of America sends lein release. Stating they have no longer have a security interest in the vehicle loan. 
XXXX Contacted Bank Of America to make sure the account has been closed, they said it was, And that the vehicle could be shipped. XXXX in XXXX was the Bank Of America Representative. 
XXXX Car is Shipped to XXXX XXXX. 
XXXX Out of curiosity, Bank Of America is called, loan is still closed, everything is good as stated by XXXX in XXXX. 
XXXX Bank Of America representative calls and says loan has been opened, and that check was denied funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX     {$240.00} I called and had this settled and paid off. I cant remember the person I spoke to but I asked before I pay this settlement will it be removed from my credit. The rep told me yes but she lied. Then I tried to call back and they told me that they never told me that, they send it to credit bureaus as pay as agreed. This needs to be removed because it has been paid off and I was told that it would be deleted off my credit
Product: Debt collection

I contacted XXXX XXXX that said they had given my debt to someone else even though I dont owe anything. They also stated that they didnt have anything on file saying I owed a debt of {$2500.00} in XXXX I never even leased an apartment with them.
Product: Checking or savings account

I received my student loan refund checks on Friday, XX/XX/2023 in the mail. I went the same day inside the branch to deposit them into my account just to have my account frozen and locked. I was flagged by the fraud department and contacted them this morning on XX/XX/2023 and was told to go back into the branch to take the stubs from my checks, the deposit receipt I received and the envelopes them came in. I took them back as instructed, all the while being told that if the checks that I received couldnt be verified FROM THE UNITED STATES DEPARTMENT OF TREASURY mind you, my account would just be closed with no explanation. I have gone through this with Fifth Third before and the ridiculous overdrafts they charge me as well. I just want my funds released and the hold taken off so I can pay my bills and go on with life. They claim to be doing an investigation and I should hear from them in 24-48 for a decision. I feel that this is highly illegal honestly. Fifth Third Bank needs to be investigated and a class action lawsuit needs to filed against them honestly because this is pathetic. Especially when legally a check from the treasury is supposed to be available the next business day when deposited.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent These Accounts : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX 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 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 Have Violated my rights 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 A section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed an dispute onXX/XX/XXXX asking for an verification of the dispute on XX/XX/XXXX which was on a Sunday. Then on Tuesday XX/XX/XXXX I receive an email stating dispute was completed except when I tried to contact them at XXXX  it would not allow me to speak with a live representative. So how did the verify anything with no documentation
Product: Checking or savings account

ON XXXX17 MY ACCOUNT WAS DEBITED IN THE AMOUNT OF XXXX BY XXXX XXXX AND XXXX XXXX. I DISPUTED THESE CHARGES BECAUSE THE SERVICES WITH XXXX HAD BEEN CANCELLED IN XXXX AND XXXX XXXX IS ENGAGING IN FRAUDULENT PREDADTORY LENDING PRACTICES AND IS A SCAM. BANK OF AMERICA IS REFUSING TO REIMBURSE ME FOR THIS VALID AND LEGITAMITE CLAIM.
Product: Debt collection

I disputed the amount on my credit report several times by Midland Credit Management by all XXXX Credit Bureaus the last time I disputed over the phone with XXXX was on XX/XX/XXXX XXXX and I told them the issue and that every time I dispute this collection Midland increase the amount they claim I owe by {$1.00} then a few after that it decrease and I fill like thats unfair practices because it affects my credit score.
Product: Debt collection

The debt was discharged in chapter XXXX Bankruptcy in 2014. 

I have tried calling collection agency, phone number is not valid, I have called the client that the collection agency is collecting for, they have stated I have no account in their collection or open.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Debt Collection Contact and Cease Communication Request under 15 U.S.C. 1692c To Whom It May Concern, I am writing to formally dispute the collection actions taken in connection with the alleged debt associated with Account Number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Acct # XXXX Please remove item from my credit report immediately Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I am exercising my right to limit communication regarding this matter.

According to 15 U.S.C. 1692c, I have the right to request that debt collectors cease communication with me regarding this alleged debt. I hereby request that you immediately cease all communication with me, including but not limited to phone calls, written correspondence, and any other form of contact. Please note that failure to honor this request is a violation of federal law and will be documented for further action if necessary.

Additionally, I request that you provide verification of the alleged debt, including full details such as the original creditor 's information, the amount owed, and any supporting documentation verifying its accuracy. Until I receive appropriate verification, I will consider this debt to be unsubstantiated.

Thank you for your attention to this matter. I expect compliance with my request to cease communication, as well as a prompt response with the requested verification of the debt. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the identity theft report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

Harassing phone calls from mortgage company. 

If I am late to pay my bill which is due on the XXXX, I start getting phone calls 7 days after during the evening hours and on the weekends. Also, the caller ID for the phone number they are calling from is labeled " THE DEFAULT DEPARTMENT '' implying that your mortgage is in default. All in an effort to stress out or harass the loan owner. 

Is the mortgage company allowed to harass the loan owner?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience as well as financial loss, and I seek appropriate redress for these violations.