23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I had my XXXX  system replaced XX/XX/XXXX and applied for a 0 % interest loan through service finance company LLC for {$7700.00} from my contractor company XXXX XXXX XXXX XXXX XXXX. The loan request XXXX was put into review on XX/XX/XXXX. In XX/XX/XXXX I tried to create an account with service finance with my loan application number to make payments however I was unable to set up an account because the loan was not created yet. I contacted my XXXX  contractor XXXX XXXXXXXX XXXX XXXX XXXX and was informed they had not yet submitted the loan request paperwork to service finance company. On XX/XX/XXXX service finance informed me by email that my loan was accepted. I then created an online account with my account number and logged in to see my balance and loan terms. At this time I was informed that service finance will send monthly billing statements with payment coupons every month to pay my loan. I have yet to receive any payment coupons as of XX/XX/XXXX and I am unable to sign in to my account stating invalid username or password. I am unable to reset my account password as I do not receive any password reset emails. I am unable to make any payments to service finance at this time and per loan terms if an account holder is late by one payment than all interest is due for the life of the loan. Service finance is a predatory lender and restricting account holders from making payments in order to ensure that interest is forced to be paid with interest free loans. Service finance will not respond to any emails or phone calls to resolve the issue. I want to make my monthly payments to Service Finance however this is not possible due to their restrictions. 

Additionally it appears that this predatory lending is common practice for Service Finance Company LLC for at least XXXX years : XXXX XXXX XXXX XXXXXXXX Although I have not been able to make any payments it appears that from other account holders that even when payments are made on time, that service finance company withholds processing these payments until after they are due to again, collect on their interest for the loans for the life of the loan.
Product: Vehicle loan or lease

Hyundai Capital America ( HCA ) didn't honor the complain submitted on XX/XX/2023? Ref. # XXXX. 
HCA Completely act to evade the question of why my extension of credit was denied by HCA in a Consumer transaction, no one can't be denied of their own credit. give you evidence that my credit was pulled by XXXX with HCA on it. nothing about dealership. This is issue between creditor that obtain my credit on a credit report and the consumer. Under 15 u.s.c. section 1692e HMF is in violation : for False and Misleading Representation, Under 15 u.s.c. section 1611 XXXX  is in violation : criminal liability for willfully and knowingly violation, Under 15 u.s.c. section 1681o HCA for : Civil Liability for negligent noncompliance, for violation to not extend credit on consumer transaction.
Product: Debt collection

Account # XXXX Showing as Closed XX/XX/XXXX Shows as Original Balance on XXXX Only and not the other bureaus- It is impossible to show XX/XX/XXXX as reporting on time and then jump to being 90 days late in XX/XX/XXXX the next month. This is erroneously reporting, late payments must be deleted.
Product: Credit card or prepaid card

on XXXXan unauthorized transaction for {$2000.00}. And another Unauthorized transaction on XX/XX/XXXX for {$830.00}. I became aware of Unauthorized activity on XX/XX/XXXX when I called US Bank to report I was locked out. This is the second time USBANk has allowed someone, other than me, access to my account. On XX/XX/XXXX a us bank employee informed me that someone made numerous calls in attempt to gain access and that a us bank employee eventually provided that access without verification of passcode on file. She said she would provide that documentation in my file. I provided a written dispute form and a copy of my id within ten days but I recieved a case closed letter XXXX stating no funds would be credited. Us bank 's own customer service representative, XXXX, informed of them allowing someone access without verification of passcode as well as the multiple calls made to gain this access. I tried contacting us bank but employee said it was nothing they could do. 
THESE UNAUTHORIZED TRANSACTION OCCURED ALMOST IMMEDIATLY AFTER USBANK RESOLVED THE FIRST ISSUE.
Product: Credit card

I tried to make a certain purchase with my Citibank Double Cash MasterCard. The purchase looked like " suspicious '' activity to Citibank and was flagged causing a fraud alert/hold to be placed on my account. All of this is completely reasonable. What is NOT reasonable is the fact that I 've been trying to get the fraud hold removed from my account for more than a month. For over 34 days I have placed numerous calls to Citibank 's Fraud Department with absolutely no success. I 've been disconnected, lied to, and given the runaround. It 's wholly unacceptable. Citibank insists they can not remove the hold because they can not verify my identity. They said they need a registered phone number in my name in order to do this. I do not have a landline telephone. It 's 2017 and I am 100 % certain that I 'm not alone in this. I do have two cell phones, both in my name. One of which I 've had, in my name, for over 6 years. Still Citibank said they can not use those phone numbers because they do not show in their database for verification. So, one rep asked me if I had another Citibank account they could use. I do and I have that account information only to be told that they can not use that for verification. So the other account which has the same name, social security number, and address can not be used to verify my identity according to them. This is another Citibank account. After speaking with countless representatives, supervisors, and someone who identified herself as a manager, I was told they Citibank can not help me. She said that I have to sit and wait until my phone number shows up in their database for verification. If I 've had this cell phone IN MY NAME for 6 years and it 's not yet in their database then it wo n't ever be. This is wholly unacceptable. I even offered to physically go into a Citibank branch with my driver 's license and the card for physical verification and this person who identified herself as a manager in the fraud department told me that was n't acceptable. That the ONLY way my identity could be verified was through a phone number that appeared in their verification database. This is the most ridiculous thing I 've ever heard. This whole experience has been beyond frustrating. This is the worst customer service experience I 've ever encountered. No one at at Citibank can seem to help me. They all come back to a phone number that must be in a certain database. So now my card is useless.
Product: Mortgage

On XX/XX/XXXX I tried to make a payment on my mortgage. My mortgage was previously serviced by XXXX XXXX XXXXXXXX. Carrington Mortgage services is now the servicer. The terms in which my payments are processed have changed dramatically. I have to pay fees to make payments which I did not have to do before, my payments have gone up again which did not happen before, and then if I fall behind which in my almost 10 years of paying on my mortgage has happened, life happens. When I try to make my payments Carrington shuts down avenues to make them. If I am in the 30 day late category they refuse online payments and refuse over the phone payments. I spoke at length with two representatives from Carrington Mortgage Services on XX/XX/XXXX. I was advised that they will take my payment from through XXXX XXXX at an additional {$8.00} charge because they were refusing my online payment and would apply it by the end of business. I made XXXX payment on XX/XX/XXXX through XXXX XXXX XXXX I paid more than enough to cover the late fees. That brings me less than 30 days past due. I was assured they would apply the payment and that they process payments on Saturday XX/XX/XXXX as well. Either way my payment was made before 3pm that Friday. I checked my Carrington online account and it is still not posted. This is not the first time Carrington had refused payments. I was only 1 month behind and I pay my penalty. You have people who serve their time in prison for crimes. I had an issue that arose and paid my late fee. For them to continue to penalize me and refuse my payments or not apply my payments which is the case here I feel is unacceptable. As of writing this I am officially less than 30 days past due and should be cleared on any default on my loan. I am fine with a new servicer on my loan, however I am quite offended and frustrated that I feel Carrington is not servicing my loan in the same manner it was being serviced for the almost 10 years I have had my loan. I have not signed any paperwork or agreed to any additional fees and I feel they are playing deceptive games by refusing to apply payments to try to send my loan to foreclosure. My servicer should be the one per my understanding of the law to try to help with foreclosure avoidance and refusing to apply full monthly payments, especially when such payment brings my loan back into the less than 30 days past due status I feel is fraudulent activity and I am requesting they cease and desist these perceived fraudulent activities immediately and apply any and all payments to my account and fix any damages to my credit report. I am also requesting that they go back and fix my credit for the last time they held almost 3 months of my payments in a suspense account and refused to release the payments and during that time reported negatively on my credit report.
Product: Checking or savings account

My son received a settlement check over the past weekend. My son is currently at a mental institution. I went to visit him and he signed the check. I went to chase on XX/XX/XXXX and deposit the check. The next day I went to buy something to eat and my account was restricted. When I deposited the check, the receipt said the check be will cleared in XXXX XXXX. I went to a branch and they had computer problems that day so the clerk gave me a number to call. When i called Chase the supervisor said my son needs to call them with a cellphone that his name is registered to. My son is currently at a mental institution. He does not have a cellphone. He can call me on a patient phone. Not only has chase blocked my account but they restricted it. I can not buy food to eat. I am multiple myeloma and I am hungry. I have begged them the allow me to take some of my money from the account, and they said no. The check is legit. Now chase told me after XXXX XXXX they will close my account and issue me a check. It will take another XXXX XXXX  before I can get a check issued from them and the check will be void. The check is from the XXXX. They will closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Claim has been placed with the Company, information is inaccurate and Causing Public Harm and economic Hardship.
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Checking or savings account

I write in response to an urgent matter pertaining to my Citibank checking account # XXXX. I reported two fraudulent transactions made last year using my old debit card and was made aware recently when I called customer service that the agent did not file the correct type of dispute, thus why I did not receive any refund to my account. The two charges are from XXXX for {$1700.00} and {$970.00} respectively. As of todays date, Ive received no credit adjustments to my account for those charges. 

Today, for no reason whatsoever after I followed up on the status of the dispute, my debit card was locked and Im unable to login to my account. I do not understand why Citibank so heavily relies on outsourced customer service agents. Citibank can afford to pay customer service agents here in the United States to assist customers. There is clearly a language barrier with many of your overseas customer service representatives in the XXXX and XXXX. 

Now I have no access to my account, its the weekend and this is how Citibank treats its customers during a pandemic of all times. Please have someone call me at XXXX as soon as possible. 

If my matter is not resolved i will file a lawsuit in small claims court and redress my damages!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1692j Is the Department of Education collecting debt or is XXXX  XXXX, you are showing XXXX separate entities collecting the same debt on the consumer report which is inaccurate also see : Dept of Ed/XXXX  amount Direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( E ) ( iii ) This loan has completed the rehabilitation process.. Delete now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in the process of working on my American Dream. I notice some fraudulent inquiries on my CREDIT report. I sent out multiple disputes. I haven't received nothing back its been over three months. 

XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX MORTGAGE SOLUT- XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX EQUIFAX MORTGAGE - XX/XX/XXXX Equifax : XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$5500.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX Inquired XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I looked up fair credit reporting act I gave the right to privacy it states a consumer reporting agency can not access report without written instructions. Companies violated my rights because he didn't give access for them to obtain credit report. 15 USC 1681 section 602 A 15 USC 1681 section 604 A. I received alerts Transunion is reporting on my credit report for XXXX  XXXX XXXX ( Bank ) on XX/XX/XXXX, XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX that i didn't give authority for anyone to run on his credit.
Product: Credit card or prepaid card

Barclaycard 's  XXXX  card line was offered to  XXXX   XXXX  military personnel with 0 % interest and no annual fees for as long as you remained on  XXXX   XXXX . I have been a cardholder for over an year and have made this card my primary card during this period.     Since then, the company has reversed its policy twice. First they ceased to promote and offer the initial  XXXX   XXXX  military benefit under thei r Servicemember 's Civil Relief Act  policy, though not retroactively applying this reversal to current cardholders. Second, they further modified their policy to also retroactively apply all fees and interest to current cardholders as well.     While the term offers were very generous, the sudden policy change forces cardholders to either close the card account on an account with recent credit inquiry or pay a significantly greater fee than what was originally marketed.     Finally, when complaints have been made about the reversal of policy, adjudication of those complaints appears to be arbitrary, with no clear guidelines or expectations on what drives decisions to honor or revoke the original agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} CLICKLEASE LLC XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed:XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX DPT ED/XXXX  XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance XXXX {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$1800.00} XXXX XXXX Balance : {$25000.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX needs to delete and block these fraudulent accounts immediately : 1. XXXX/XXXX XXXX 2.  XXXX XXXX XXXX XXXX 3. Capital Accounts
Product: Mortgage

I have a HELOC loan. Originally with XXXX XXXX as interest only. sold 3 times from XX/XX/XXXX. each time it was sold i confirmed with new servicer what agent originally told me, that loan was interest only for life of loan. current servicer is XXXX XXXX. Horrible customer service. Sold approximately 7 months ago. 

First payment amount incorrectly calculated. called, they said too bad that 's the way it goes and " it will all work out in the end ''. the first payment was {$500.00} above what i owed, i paid, the next month it was credited. I HAVE NEVER MISSED A PAYMENT OR BEEN LATE EVER WITH ANY SERVICER, INCLUDING THIS ONE. Payment due date on XX/XX/XXXX of the month. 

Next several monthly statements all have 3 figures on them, " Principal balance '', " credit limit '' and " previous balance ''. none of those figures make sense, as have all changed and appears balance which interest is being calculated on is going up, not down. Payment interest only was around {$1100.00}. always paid that. XX/XX/XXXX went up to XXXX called and tried to understand but little help. Paid it. 

Called to find out XX/XX/XXXX payment and told it was now {$3000.00}, up a total of {$1900.00} additional in 2 months. Started calling on XX/XX/XXXX re problem. No help, rude people. Talked with XXXX on XX/XX/XXXX. Talked with XXXX XX/XX/XXXX. another call XX/XX/XXXX. Talked with XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Told her XXXX XXXX had called me, i talked with her, she agreed there was something wrong but was leaving that day for vacation of 2 weeks and was turning over to XXXX XXXX (? ) to do a spreadsheet on what was happening and he would contact me. NO RESPONSE at all. 
Told her NOT TO SEND ME TO XXXX 's VM as i knew she was on vacation. She put me on hold and next thing was XXXX 's VM even though i had told her. 

Called back and asked for XXXX. Was told by XXXX XXXX ( really nice woman finally ) that i knew he worked in the evening but had been 5 days since XXXX referred to him and still no WORD. She gave me name of XXXX 's supervisor, XXXX XXXX, but he was in a meeting. She was going to send him URGENT email as well as put me through to his VM and i left an urgent message. 

This company is absolutely horrible to deal with. I believe there calculations from the very beginning may have been wrong, and no one is willing to take on a request for explanation of recalculations of payments or any responsibility as i can see. I hoping for some help from XXXX. I will see. BUT I DO NOT RECOMMEND THIS SERVICING COMPANY AT ALL. I intent to also file a complaint with the State of South Carolina where their home office is located, as well as the State of California where i am located. 

I can not imagine how many other people are or may be being overcharged on their mortgage payments and no oversight and/or losing their homes to this company where you ca n't get any help. Thank you.
Product: Mortgage

Subject : Blue Print Fraud, Fraudulent Appraisal, Predatory Lending Fraud They forged my name and did shoddy paperwork. 
They sold my loan and did not make me aware of it. 
They market my home for more then it was worth deliberately. 
The mortgage loan officer make promises he did not keep we ended up have an interest only mortgage which we did not know.. 
They did not let us bring in our own inspectors in to the home they told us that we have to use there inspectors. 
They gave us a XXXX/XXXX mortgage with would include a home equity loan which we where unaware of.
Product: Debt collection

Credence Resource Management Scam XXXX. XXXX $ XXXX a consumer reporting agency shall XXXX the reporting of XXXX XXXX in the file of a consumer that the consumer identifies as information that resulted XXXX an alleged identity theft, not later than XXXX business days after the date of receipt. is been 30 days and you are in VIOLATION of this law because I am a victim of identity I Please delete these Items IMMEDIATELY!

le accounts should not be furnished on my consumer report as they are in VIOLATION!!! er, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject absection ( c ) any consumer reporting agency may furnith a consumer report under the wing circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the mer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT eport anything on my consumer report which violates my rights as a federal protected lumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!