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

I contacted XXXX XXXX Chrysler in regard to a purchase of a new vehicle. I went through the same process I would have anywhere else. The lender, Chrysler Capital, and the finance manager at the dealership requested a ton of documents as proof of income and I provided 12 month 's worth of Paycard statements, two years of tax returns, and all of my bank statements over the last 90 days. Along with all of my basic necessity documents to qualify for the loan. 

The loan was for {$35000.00} at 16 % interest and the payments were going to be 75 months at {$640.00} a month. The only reason the interest rate is what it is would be because of debts incurred waiting on unemployment and COVID related delinquencies. Again, waiting on unemployment and applying for thousands of jobs in all sectors because my resume is universal. 

I was told that because of my " self-employment '' that I had to be able to average out to {$5500.00} a month in pay in order to secure the loan. Well, if the interest rate wasn't 16 % the payments would be way lower. As I have never had a loan at that high of a rate for a car or a mortgaged home. 

While I understand what is transpiring here, I have a full background in finance. And I'm quite educated in what is going on here. 

I am a single female, making roughly {$75000.00} a year in self-employed income and I just got denied a loan for a car. So, they received all necessary documents to complete the process, that I would most definitely make with the intention to refinance. 

I find this loan process to be discriminatory, predatory, and an outright insult to make a XXXX-year-old woman out here independently on her own making her own money to not be approved for an auto loan. I shouldn't need a co-signer. And to top it all off, my credit is what it is due to decisions my government made causing massive inflation and debts that I would have resolved had I been employed ( jobs available ) and my unemployment was processed in a timely manner.
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 name : # XXXX XXXXXXXX, Account name : # XXXX XXXX  ( Finance ), Account name : # XXXX XXXX XXXX, Account name : # XXXXXXXX XXXX XXXX ( Bank ) Account name : # XXXXXXXX XXXX XXXX ( Bank ), 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

I made a payment on my auto loan but it was incorrectly applied to a credit card that I no longer have with Bank of America. On XXXX/XXXX/XXXX, I called and spoke with someone who said that they would fix it and provided me a resolution # XXXX. I checked my account a week later and the payment was still applied to the wrong account. I called and spoke with another representative who told me not to worry about it. It has now been over 2 weeks and the issue has not been corrected. My payment due date for my loan was XXXX/XXXX/XXXX and it is now 2 day past due as a result. I am concerned that my credit is going to be affected in a negative fashion due to this error. This needs to be corrected now.
Product: Debt collection

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. 

Your agency must also provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive already contacted transunion to initiate a dispute and noticed their not quick at there turn around process. so i did what could to reach out to the company 's on my end ike TransUnion rep told me to do. i call one main local office and dealt with the office manger and district managers and also someone from the corporate fraud team. that didn't get me anywhere. so im filing this complaint because im mad at transunion and onemain. i am trying to get something removed from my credit report as a result of fraud and identity theft and if it doesn't get removed with in 60 days i'll start a civil lawsuit. last chance. i shouldn't have to live like i do with these scammers and stealing my identity and harassing me emery and no one 's doing anything about it not locally not statewide not federally. hope you can since that im a bit irritated,
Product: Credit reporting

TRANSUNION HAD A COMPUTER GLITCH!!!!! Where all my inquires were removed from my credit report. TransUnion noticed this so called error and put them back on my report. THAT 'S AGAINST THE LAW Without written notification before it 's added back. SO I CALLED THEM XXXX AND ASKED TO SPEAK WITH THE SPECIAL HANDLING 'S DEPARTMENT. I told them that my inquires were removed and suddenly reappeared, I was not notified in writing that these things would be added back to my credit report AND THIS IS AGAINST THE LAW- YOUR COMPANY HAS BROKEN THE LAW!!!!!!!!! PER FRCA SECTION 611.
Product: Credit card or prepaid card

Best Buy applied a {$58.00} Payment Due to the XX/XX/XXXX credit card bill and there were no charges made in XXXX or balances due for XX/XX/XXXX. In XXXX a {$59.00} late payment was made on the account to eliminate the balance. In XX/XX/XXXX a New Balance of {$48.00} was carried over to the XX/XX/XXXX credit card bill. In XXXX a purchase of {$11.00} was made using the credit card and a payment of {$77.00} was made on XX/XX/XXXX that Best Buy did not use as a payment until XX/XX/XXXX so that Best Buy could make overcharges of {$87.00}. When the XX/XX/XXXX credit card bill came for {$12.00} it was paid in XXXX and no purchases were made. From XXXX to XXXX no purchases were made and calls to Best Buy, lasting from1 to two hours, were made and Proof was sent to Best Buy using billing statements, payment receipts, and certified mail. Best Buy would only offer payment arrangements. The credit card bill is over {$400.00} now for interest and late fees only and Best Buy destroyed my credit rating I had since before XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, I have historical notes on this one with the company and on here but XXXX took an additional payment of {$300.00} from me in XXXX and it was never recovered or applied to my account correctly. They have never recovered my money and continues to harass myself my cosigner ( XXXX ) for payments most times after I have already made a payment. I would like to see a ledger in case I am in fact wrong and recently asked for one and I hav n't seen it in the mail yet. I have continued to pay since XXXX regardless. That payment has not been recovered and the balance has not decreased. I have even asked for a full account ledger. My cosigner also said that you took money from him for a consolidation program .... ummmm what? What are you talking about consolidation program? Those loans should all be paid at one time via one payment that's the only consolidation I know of. Please explain my payment history and the credits to my account from XXXX. We don't want to talk you guys either but I would personally like to go over my ledger and apply credits or adjustments to my account and our credit reports as needed. Thanks.
Product: Mortgage

I have a mortgage that was sold to PHH XX/XX/XXXX and I have had problems with them not processing my payments correctly and in a timely manner. 
I typically send additional principal payment along with the mortgage amount that is due each month. 
Mortgage payments can be paid within the XXXX through the XXXX of the month. I use to pay early before XXXX but PHH did n't apply the funds and in fact frequently called me to tell me the mortgage was " late '' because they refused to apply the early funds before XXXX the month. THey did this even though the money was sitting in the account but they simply did n't apply it. 
To avoid that I pay after XXXX the month before XXXX. 
My payments are sent through my bank 's bill pay system and the bank record indicates that the money was taken out of the account on XXXX XXXX and posted to the PHH mortgage account, XX/XX/XXXX.The excess payment towards principal was never applied. In fact when I received the statement for the following month the excess amountof {$490.00} was in a " Suspense Balance '' and was not applied towards principal. 
It was listed as " Partial Payment ( Unapplied ) ''. I contacted XXXX XXXX the PHH representative and she claimed that the payment was applied the following day because the statement was printed before the application of these funds. 
XXXX statement does n't make sense since the statement clearly shows that the mortgage payment posted on XXXX so why was the extra principal payment not included since all the moneys were sent at the same time? why would an extra payment be applied on a different date than the mortgage payment? Again, it was all sent as a single payment.Lastly, the new statements are issued after the XXXX not early in the month so this is patently false. 
Although XXXX promised to send evidence that the payment was applied, I have received no such evidence. I am very concerned that the extra payments are not being applied AT ALL and simply pocketed by PHH. 
XXXX stated I would be receiving a record of my mortgage payments for this year. 
I have had issues with PHH in the past, such as having a fully paid off HELOC line stay as an outstanding lien on my property for years because XXXX did n't record it as a satisfied mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am needing the following accounts to be looked at. I have attached a letter with the following accounts that need to be resolved along with my identification and recent utility bill.
Product: Mortgage

Tried to apply for a Heloc with Mr Cooper and was denied an application. I was advised of several " missed '' or " late '' payments. I denied this as my XXXX credit reporting companies do not show this. I have made all, that I can recall, payments inside the month that they were due, directly on the company website. I have some screen shots. I have also spoken to customer service who assured me, if I was getting close to the end of the month, that if made INSIDE the due month, it would not have negative consequences. Turns out, not true. They have based their response on when they actually process the payment. These we electronic, same day with confirmation of receipt of payment and no warning that it wasn't valid. 
On XX/XX/XXXX this year, their system was shut down. No payments could go in, phone or online. I have screenshots and phone records that I tried to pay and an email from them that assured me that I would not face consequence of a late XXXX payment. They have just informed me that their system was not down until XX/XX/XXXX. That is a total Lie. I have the screen shots to prove it. I am current with ALL of my mortgage payments to Mr. Cooper.
Product: Payday loan

Received calls that I had a payday loan. Any loan I ever had was paid in full Asked for written proof of the debt to be mailed to me. They would not. They claimed they had emailed us and sent us letters. Both untrue. We have had same email address for 15 years and same residence for 37 years. Feel the whole thing is a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of the multiple previous written requests, the the inaccurate items still remain on my credit report in violation of XXXX XXXX. The Credit Bureaus failed to comply with air XXXX XXXX XXXX, within the time set forth by law and continued reporting of unverified information. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, Sections 605b within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : 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 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

Beginning XX/XX/XXXX through XXXX XXXX, I entered into a forbearance for my student loans with XXXX XXXX. However, there are late and delinquent reports on all sixteen of my XXXX accounts on the three major CRAs, dating XX/XX/XXXX-XX/XX/XXXX. I have disputed these markings with each CRA to no avail. XXXX XXXX refuses to update the CRAs with accurate information. The inaccurate information XXXX XXXX continue to report for the time period of XX/XX/XXXX-XX/XX/XXXX is damaging, unethical and noncompliant with the FCRA. 

I have attached to this complaint, a letter I received from XXXX XXXX  that clearly states my account in Forbearance status from XX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Try number 2 ( initial complaint not resolved by Equifax ) Equifax will not let us manage our credit freeze either via website they provided ( received the following error message : https : //my.equifax.com/membercenter/ # /login/error/mc-general-no-specified-error ) or via phone. They have provided no assistance in justifying refusing to allow us to monitor our credit freeze via web or phone - or in attempting to resolve the issue. As it stands, we can not effectively manage our credit with Equifax. To make matters worse, they removed a credit freeze we put in place WITHOUT our consent.
Product: Mortgage

STOPED MAKING PAYMENTS DO TO COVID RELIEF AND AFTER CALLING AND GETTING AN OK FROM SUNTRUST ( MORTGAGE HOLDER ), I WAS ASSURED BY THE BANK THAT AT THE TIME THAT I WAS ABLE TO START MAKING PAYMENTS ALL PAYMENTS HOLD THROUGH COVID RELIEF WOULD BE MOVED TO THE BACKEND OF MY MORTGAGE, OBVIOUSLY THAT WAS A GREAT HELP AND REALLY HELPED ME THROUGH THIS TOUGH TIMES, BUT NOW WHEN READY TO START MAKING PAYMENTS IM BEING TOLD THAT I HAVE TO APPLY TO " SEE '' IF I QUALIFY AND GETTING HIT A QUESTIONARE THAT LOOKS SUSPICIOUSLY LIKE I WAS APPLYING TO SAVE MY HOME FROM GOING IN FORECLOSURE, AT NO POINT I WAS TOLD THAT THERE WAS AN APPROVAL NEEDED, I WAS UNDER THE UNDERSTANDING THAT THIS WAS A 100 % GUARANTEE AS SOON AS I WAS READY TO BEGIN MAKING MY REGULAR PAYMENTS. 


SUN TRUST MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Product: Credit card

I always pay my balances in full. I went online to pay my account balance two days over due. I checked the box that said pay last statement 's balance which was {$740.00}. To this balance they added the charges for XXXX that had not yet come due totaling {$1600.00}. When I questioned them about it they said the payment was being processed, and there was nothing they could do about it.
Product: Money transfer, virtual currency, or money service

On Monday  XXXX   XXXX ,   XXXX  , I initiated an " instant transfer from my  PayPal account to my commercial bank in the amount of {$6200.00}. I was informed that the transfer would take " up to one business day '' to complete. After two b usiness days on Wednesday,  XXXX   XXXX ,   XXXX  , the transaction was still listed as " pending ''  by PayPal. Some how, I was able to speak to a PayPal re presentative who had no explanation for the delay but assured me the transaction was in order and would be completed soon. Today, Thursday,  XXXX   XXXX ,   XXXX  , the transaction is listed as completed but my bank has no record of the transfer and the funds have not been credited to my account. A record ed PayPal message informed me that it may take three to four business days for the bank to process the transfer. PayPal has completely misrepresented their service, a service I will never use again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit car account under an open end consumer credit plan as late for any purpos
e.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items are in litigation. Please delete these Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> My account all of a sudden would not let me send money. Receive money or even pay with my cards. So I messaged them, they said that I need to show proof of this card ending in XXXX. This card has never been on my account his card. I have never had I had my bank even vouch for me. That that card was not used today, nor was it connected to my account. They say I'm in violation. I didn't do anything I don't understand they will not talk to me. I'm sick of this. I want my XXXX money
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the balance on my account related to the repossession of my vehicle. My vehicle was repossessed by XXXX XXXX and subsequently sold at auction. Despite this, the balance on my account remains unchanged, reflecting the original amount owed for the vehicle prior to its sale. I have not received any communication regarding the proceeds from the auction or any adjustment to the account balance to reflect these proceeds. 

I believe there has been an oversight or error in processing the proceeds from the auction sale. According to my understanding, the auction sale proceeds should be deducted from the total balance owed, and any remaining balance should be communicated to me clearly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # xxxxxxxxxxxxx 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 # xxxxxxxxxxxxx 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, credit repair services, or other personal consumer reports

Account number - XXXX Account name - XXXX XXXX closed and copies of of all three credit reporting agencies all reporting Information on the same account that is different and inaccurate such as payment history, balance due, status, late payment date. On my credit report which has violated my rights under 15 us code 1681 A, B, C.

I Request within 30 days the verification an the means in witch this information and payment history was validated this debt with in the allotted time or have this deb t removed on the grounds that this information is inaccurate, and in paragraph 2 of this titled exclusions and sub paragraph State that transactions are not included in the consumer report. I request that all late payment history be removed or this account be removed of the credit report. I request all the ways that the account was verified as correct