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

I opened a new loan with Kia Finance America for a new vehicle on XXXX XXXX XXXX 

Within the next few days I set up my account to autopay my loan payment every month. Because I want to pay the loan off early, I applied some extra each month above the required amount. The required amount is {$460.00}, I have set it to autopay {$500.00}. There is no option on the payment setup to allocate excess payment entirely to principal. I assumed that would happen without an option to specify otherwise. 

My first payment was drafted successfully on XX/XX/ in the amount of {$500.00}. The amount applied to principal was {$400.00} with {$99.00} applied to interest. This sounded about right so I did not check to see if my excess was entirely applied to principal. 

On XX/XX/2024 I had extra money in my savings account, so I made a one time payment of {$1500.00}. Again, there was no option to apply entirely to principal so I assumed it would apply that way. When I checked the payment the next day ( XXXX XXXX XXXX XXXX I could see that {$18.00} was applied to interest instead of entirely to principal. 

I called the lender and asked for an explanation and was told that instead of applying to principal entirely, any excess payment was partially credited towards next month 's interest as well. This reduces the effectiveness of paying early as a strategy and is not adequately disclosed to the consumer. Nor is the consumer given a choice in applying the payment as they wish at the time the payment is made. The representative I spoke with indicated this is a known problem that they receive many complaints about and that company was looking into it, however I can find posts on Reddit.com with other people stating they were told the same story as far back as 3 years ago. 

The representative said they would reprocess my payments to apply them correctly, however there is no way for me to make them continue to apply the entire excess to principal automatically and that I will have to call them every month if I wish to do that so they can reprocess the payment properly. 

It seems clear that this is an extremely anti-consumer tactic, and that many people would not notice it at all, while others may notice but forget to call regularly, resulting in the loan company making additional money off of consumers attempting to choose to pay off their loans on a more aggressive timeline to save money. The mortgage on my home allows me to pay excess entirely towards principal, as did every other loan I've ever had. 

Given the timeline of complaints online it does not seem they ever intend to add this option to their payment portal.
Product: Credit card or prepaid card

This complaint is against CashApp, XXXX XXXX, XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, phone number, XXXX. 

I am writing to dispute a charge of {$730.00} to my CashApp debit card account on XX/XX/2023. The charge is fraudulent. I spoke with a CashApp representatives on XX/XX/2023, to stop the payment, but the payment had already processed. I filed a claim with that representative to report the fraud and refund my {$730.00}. 

I learned that CashApp denied the claim two days later, on XX/XX/2023. The denial claim stated, After further review, it appears that the merchant fulfilled their obligations for the goods/services associated with this transaction. As a result, your dispute has been denied. You can reach out to support for dispute documentation at any time. 

This denial is unfounded. I did not receive the merchandise and am unable to contact the company. How did CashApp 's representative contact the company? 

This is what happened : On XX/XX/XXXX ( XXXX XXXX XXXX XXXX, I placed an on-line order for a XXXX XXXX in. XXXX XXXX XXXX XXXX for {$730.00} with a company named XXXX. The order number is XXXX. 

According to my debit card transactions, the {$730.00} payment was paid through www.sjbmqa.site. I also received information that the payment was made through Stripe payment system. The order confirmation number is XXXX. 

I have not received the riding mower and am unable to contact the company through phone, email, or website. I have attempted to contact the company via email six times at this email address - XXXX XXXX XXXX. The emails return with an error message that this is not a good email address. 

Also, I am not able to contact the company at phone number XXXX. The phone just rings and rings. 

The address for XXXX is listed as XXXX XXXX XXXX, XXXX, CA XXXX. 

I would like to have my {$730.00} that I was scammed out of, refunded to me. And would like to report that this is a fraudulent company that is scamming citizens out of money. Are you able to help me recover my {$730.00}, please?
Product: Debt collection

On XX/XX/XXXX when I checked my paystub I noticed a company named Weltman, Weingerg & Reis was garnishing 25 % of my check. Now, I was never notified by Weltman or my employer that I was about to get my wages garnished. The point where I realized I was being garnished this has already been going on for a few months. I was never notified about a lawsuit, a judgement or anything that gave this company the authority to garnish my wages. This has caused me concrete harm, extreme hardship as well as mental/emotional stress due to my livelihood being compromised all over an alleged debt. 

Again, I have never been notified ( i.e served a summons/complaint ) about this alleged debt. I do not know who Weltman Weingerg & Reis is. I have never done business with this company nor did I ever have an account number with Weltman Weingerg & Reis. I looked this company up on XXXX and it stated they are debt collectors but I have no clue who they are and I never had any business with them. All of this took place without me knowing and that is not right. Weltman Weingerg & Reis should have ensured I was properly notified about this alleged debt so I could properly defend myself. Instead I had to find out by actually being garnished and going to do a XXXX search on this company. 

On XX/XX/XXXX I sent Weltman Weingerg & Reis a letter by way of certified mail. Certified mail number XXXX XXXX XXXX XXXX XXXX return tracking number XXXX XXXX XXXX XXXX XXXX XXXX. I will attach the letter here since it will take a while to come through the mail so there is no confusion and Weltman Weingerg & Reis can start preparing the documents to be sent to me via mail. 

Also, please note the CFPB has my number and email attached to this complaint but that does NOT give Weltman Weingerg & Reis permission to use my phone number or email to contact me regarding this matter. Again, please do not try to contact me via phone because I work Mondays thru Sundays XXXX and I can not talk on the phone at work per company policy. Also, please do not contact me via email. I would like a response via mail and mail only. I am requesting ALL documentation regarding this alleged debt/alleged account sent to me as soon as possible. I should not have had to find out about this by actually being garnished when not one documentation was given to me notifying me of what was going on nor was any documentation given to me proving the authority Weltman Weingerg & Reis had to garnish any of my wages.
Product: Credit reporting

my identity was stolen and used and as a result some accounts were opened. I filed police reports with the XXXX police dept in XXXX report number XXXX and report number XXXX in XXXX. I mailed by last notification of my identity being stolen and accounts being opened and used including student loans. 
these are the fraudulent accounts opened that transunion refused to consider my police reports and the proof ive sent. 
XXXX all accounts XXXX and all inquiries except for any listed XXXX. 
i want these fraudulent accounts removed from my account and i want my current phone number added to the fraud alert on my report. XXXX
Product: Credit reporting, credit repair services, 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 these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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
Product: Credit card or prepaid card

I tried to ava il Chase Sapphire 's trip  delay benefits last year in  XXXX ,  XXXX  when my flight was delayed by more th an 24 hours. However, I have been working with them until now. Chase has outsourced this part to  XXXX  ( benefits admin company ) and the y do not let me talk to anyone in management. I have left multiple voicemails such as on  XXXX   XXXX ,  XXXX   XXXX , etc to their supervisors to inquire but no response on my case.     To explain the process in detail, I submitted the supporting claim docs in  XXXX ,  XXXX  by regular mail which was probably lost in mail. I called again in  XXXX ,  XXXX  to see the status as I never heard back. I submitted my documents again ( this time electronica lly ).    After a lot of one-way communication in  XXXX  and  XXXX  with Chase/ XXXX  my claim was denied on  XXXX   XXXX ,  XXXX  on the grounds that I submitted documents later th an 184days. I fil ed an appeal on the same date but till today there has been no resolution. When I call  Chase, who  sold me this credit card (  XXXX  $ annual fee ) they say they are not responsible for these benefits which are handled by  XXXX , and transfer my call to them. And  XXXX  does  not give me an update, they say they will contact me within 24-48hrs, if I dont get an update I should call again. This cycle has been going on for sometime, and has led me to believe that they are not intend ing to serve customers like me. I request you to look into this malpractice and get answers from them why and how they treat customer requests in such a way. Any specific timeline they should answer my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significanXXXX XXXX
Product: Credit card or prepaid card

I had to get a " permanent '' card and now i can not activate t=said card, therefore my balance is in limbo between old card and new card. I have called numerous times without resolution. Netspend is te company.
Product: Mortgage

Under the CARES Act, I was granted Mortgage Payment Forbearance through XX/XX/XXXX with Wells Fargo Home Mortgage. 

Following the end of the forbearance period, I was given a Mortgage Modification Agreement to distribute the payments not made during the forbearance period over the remaining life of the mortgage. Because I received the Agreement while I was in the XXXX XXXX, I called Wells Fargo on XX/XX/XXXX, and told them that I would be unable to notarize the documents before their given deadline due to the US Embassies being closed for Covid. Awaiting my husband 's work relocation package, I told them we were not planning to be back in the US until XXXX or XXXX of XXXX. They agreed to extend the deadline until I could return to the US, and I could continue to make my monthly payments by phone in the modified amount, which I did. At this time I also notified them that because I did not have access to my US phone number during this time, they would need to contact me via email, which they agreed to do. 

On XX/XX/XXXX, I received a Wells Fargo email introducing me to my Home Preservation Specialist. Thinking this was strange, I called them to make my monthly payment and was told the amount due was the full amount in forbearance. I explained the previous conversations, to which they commented the notes from the calls were incomplete. They mentioned having tried to call, but I reminded them that I could not receive calls in the XXXX, which they did see in the notes. Wells Fargo recommended I contact my Home Preservation Specialist, who I emailed but never heard from. Wells Fargo then told me I had to re-apply for a new Modification Agreement because the previous one had expired ( despite their promise to extend it ). 

Following the new application process completion on XX/XX/XXXX, I was given a notice that the Modification request was denied on XX/XX/XXXX. I called Wells Fargo again that day, again re-explaining the previous issues, to which a very confrontational employee explained they'd already extended the modification agreement " a long time '' and had tried to call me while I was in the XXXX ( even though I'd told them, and they'd acknowledged, that I would be unreachable by phone while in the XXXX ). He explained that my only option was to pay the forbearance amount in full or lose my home, but when I asked him to state this directly he refused to because the call was being recorded. I requested they review and share the recordings from all the calls since the original calls and they said they would, but still have not. I also have yet to ever interact directly with my assigned Home Preservation Specialist. 

Today, XX/XX/XXXX, I received a notice of default on my mortgage and have been notified that my home will be put into foreclosure on XX/XX/XXXX. 

Had I been given the ultimatum in the original conversation, I would have booked a plane ticket in the height of the second Covid peak to return to the US just to go to a notary, and would not now be at risk of losing my home.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I've been in the process of buying a house, and the Sellers of the property have a XXXX XXXX interest rate on their existing mortgage ; their mortgage is an XXXX mortgage, and that makes it assumable. 

Under normal circumstances, it takes about XXXX days to buy a house with a conventional mortgage. Im XXXX months into the assumption process with no end in sight. The obvious reason for this is because lenders dont make money on mortgage assumptions. There arent fees to be extracted from home buyers, and theyre stuck with honoring a XXXX XXXX interest rate when todays prevailing rates are around XXXX XXXX. 

When lenders are looking to make a loan, they sell prospective borrowers on all of the features of their loans, including the fact that their loan is assumable. Yet when it comes time to perform on their obligation, they fail to do so. 

The lender for the property Im buying is XXXX Mortgage, and the mortgage servicer, who is handling the assumption process, is XXXX. There are laws that state that they cant unreasonably withhold approval of an application for a mortgage assumption. They are obligated to review an application in a timely manner. In their most recent correspondence with me, they yet again asked me for documentation that they were aware they needed at the time I initially submitted my application XXXX  months ago. Each time I satisfy their request, they respond with another requirement for underwriting approval. 

As anyone could XXXX, the underlying contract to purchase the property from the Seller expired long ago. So I had to renegotiate the contract with them, and Ive been paying them {$2200.00} in rent each month to keep the contract active. The lenders know that there is an immense amount of fall out from applications the longer they wait. And theyve made me wait. 

Theres not a lender in the XXXX that would fail to adequately review a new loan application in XXXX months. But when it comes to loan assumptions, its become the norm. The largest institutions in the country continue to improve their bottom line by taking advantage of everyday people without consequence. 

It's outrageous that they can get away with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX  XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Account has been disputed numerous times for inaccuracies and either comes back as updated or verified, but there is no way it can be accurate as I have provided proof that the dates are inaccurate. 
Experian never provided the method of verification they used to " verify '' the information. 
Information is incorrect as can been seen in the attached 3 bureau report.

If the dates of the last activity, last reporting, etc. is incorrect between the 3 major credit reporting agencies then the secondary credit reporting agencies have the same inaccurate information. 
I have reached out to the original creditor as well but they just say it is correct and send me print out, but the thing is if the original creditor isn't reporting the account accurately who is to say the print out is correct ; i.e. the inaccuracies as seen in the 3 bureau credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account # XXXX with XXXX XXXX XXXX XXXX  was obtained in my name without my knowledge. I was made aware after pulling my credit report that my information was used to open this accounts and reported to authorities on XX/XX/XXXX with the XXXX XXXX XXXX XXXX case # XXXX with Office XXXX XXXX badge # XXXX. I have sent this information to Transunion, XXXX, and XXXX who are still reporting fraudulent information on my credit file.
Product: Credit reporting or other personal consumer reports

Experian, Please see attached - theres incorrect information on my credit report that needs to be corrected. 

Thank you
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate ( XXXX XXXX, Account number : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Traded leased vehicle onXX/XX/XXXX vehicle. Dealer sent check to XXXX XXXX to purchase leased vehicle. XXXX XXXX lost 1st check. Dealer sent 2nd check inXX/XX/XXXX and  XXXX XXXX posted check to XX/XX/XXXXvehicle instead of XX/XX/XXXXleased vehicle. In XX/XX/XXXX I  received another late notice and contacted XXXX XXXX. Assured me everything was cleared up. Received another late notice XX/XX/XXXX and contacted XXXX where after much investigation on their part found the check applied to wrong account. By then I was reported to Credit Bureau as 90 days late in payments which in fact I had not owned vehicle since XX/XX/XXXX! XXXX told me they couldn't change credit reporting until XX/XX/XXXX at the earliest, in the meantime my credit rating had dropped terribly. Transunion stated I was still liable for vehicle inspite of the fact I had traded vehicle in on new vehicle! I have filed dispute with the other 2 credit reporting agencies.
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against Wakefield and Associates regarding the placement of a collection on my credit report without proper notification and validation of the alleged debt. I am deeply concerned about the violations of my consumer rights by Wakefield and Associates and request your assistance in resolving this matter. 

Upon reviewing my credit report, I discovered that Wakefield and Associates have placed collections for account numbers XXXX, XXXX, and XXXX. To my knowledge, I have no record of these debts, and I did not receive any prior notification or opportunity to dispute this information. Therefore, I request that Wakefield and Associates provide me with the certified receipt containing my signature as proof of notification. 

Furthermore, Wakefield and Associates have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and have neglected to give me the opportunity to dispute the accounts in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This action is a clear violation of my consumer rights. 

I believe Wakefield and Associates have engaged in false, misleading, and deceptive practices by reporting this information without providing proper disclosures, as mandated by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). I request that Wakefield and Associates immediately cease reporting these accounts to the credit bureaus. 

In light of the aforementioned violations, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Wakefield and Associates. Additionally, I request that the collection accounts associated with the aforementioned account numbers be removed from my credit report without delay. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any further information or documentation regarding this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX Email : XXXX Phone : ( XXXX ) XXXX