23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My federal loans were consolidated with the new company who bought out FedLoans. On my credit report the new amount of XXXX is correct on my report but the individual loans are listed as if they are still the small individual loans I am paying on. The only loan I am paying on is the XXXX loan. The smaller federal loans were consolidated into the XXXX new loans instead of having XXXX smaller loans. Since the smaller loans still show on my report it looks as if I have XXXX out in debt but I only have close to XXXX in debt. I need those little loans taken off of my report
Product: Mortgage

Ditech in XXXX, Calif. refuses to credit my principal payment of XXXX, they received and cashed on XXXX XXXX, 2017, they continue to say they never got payment OVER PHONE AND ON THEIR WEB SITE, even though I faxed them cancelled check, the check had the account no. and property address on it too. This seems illegal and not fair to me.
Product: Vehicle loan or lease

On XXXX XXXX XXXX my husband and I were both approved for XXXX by Usaa for two auto loans. My husband purchased a new 2017 XXXX XXXX in XXXX, and on XXXX XXXX, I purchased a 2015 XXXX XXXX with 37,883 miles from XXXX XXXX XXXX for 26,745.50. Upon the purchase I called Usaa on the dealership phone because my cell phone battery was now dead, so in the presence of my husband, XXXX XXXX the finance manager, and XXXX my sales person, I gave all the information and we discussed the terms of 72/82 months and the interest rate of 4.59 % with a payment of XXXX as per my previous discussion which included the gap insurance. I received a call from The dealership three months later in XXXX informing me that Usaa had not funded the loan. I along with XXXX XXXX the finance manager spoke with someone in escalations at Usaa and they assured us in will be handled in two days. The loan funded, but to my surprise as I kept calling Usaa to understand why after the funding, my payments are conflicting to say the least. One note have the loan amount financed as XXXX for terms of 12 months interest rate of 5.3277 % and payment of XXXX, then the second note shows XXXX was financed with a 5.3252 % int rate and monthly payment of XXXX this is predatory lending. I was told by both XXXX XXXX ID # XXXX, and XXXX ID # XXXX that the representative XXXX choose the incorrect terms, and both acknowledged it was Usaa mistake, but the only way to resole the issue was to refinance the loan. I filed a complaint with the Office of the Comptroller of the currency and i received a call from XXXX XXXX in the office of the XXXX, who still insists that refinance was the only resolution, i agreed and give the okay to pull my credit and was denied due to not having enough credit. This is predatory lending and i did not agree to any of these terms. Prior to the loan funding Usaa did n't even see my car in their system, they are trying to cover their unscrupulous behavior, and Usaa should be held accountable.
Product: Debt collection

On XX/XX/2021 at XXXX EST I received a call from XXXX. Not recognizing the phone number, I did not pick up my phone. There was a voicemail, but no one was speaking. It was a 9 second voicemail with no talking. A few minutes later, my father in law called me to tell me that XXXX with Professional Collections called looking for me about a debt I owe, and to call XXXX back. 
XXXX had no right to tell my father in law where she worked and why she was calling. She can only verify certain information, and that certainly wasnt it. They have broken the law.
Product: Debt collection

Repeated calls and threats to me for an old debt that i was trying to pay. Humiliated and use very aggressive tactics if i didn't resolve the situation. This caused me grave stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit card

On XX/XX/year> I paid my full account balance off. Capital one olaced a hold on my account after they received the payment in full from my wells fargo account. Capital one place a 5 day hold and would not release my funds to be used on my credit card ending XXXX. When I called the customer service reps stated I wouldnt be able to use my credit of {$800.00} until XX/XX/year>
Product: Debt collection

BWW Law Group representing XXXX XXXX XXXX has continue to make false statements in reference to a court case involving the property XXXX XXXX XXXX XXXX. See complaint # XXXX The judge never ruled on the Fair Debt Collection Practices. BWW Has continued to violate Fair Debt Collection Practices 807, 809 and 814. The judges ruling is only pertaining to an affidavit not debt collection practices. I am requesting that Consumer Financial look at the documents and due diligence in holding BWW Law Group accountable for the debt collection practices of this law firm.
Product: Mortgage

When XXXX trees fell on my house and XXXX neighbors houses ( XXXX/XXXX/16 ), I began working with my insurance company ( XXXX, a fantastic company ) to get the trees removed from the roofs, the driveway and XXXX sidewalks replaced, as well as replacing the shingles and some damaged wood trim. 
The house is worth over {$200000.00} and the mortgage balance is under {$8000.00}. 
I have already had the trees removed ( the cost of that was {$8600.00} ). CitiBank required my insurance company to make the check ( {$13000.00} ) payable to CitiBank and myself. My insurance company said I should have no problem getting CitiBank to waive their interest in the check so that XXXX could direct deposit it into my account, which I needed to fit into a cancellation that the driveway contractor had for XX/XX/XXXX. 
I contacted Citi on XX/XX/XXXX and made a request for them to notify XXXX that they were waiving their interest. She said someone would call me from property damages. No call, so I called them XX/XX/XXXX. They said that it was not their policy to do that. Even the supervisor, XXXX, was not helpful. she submitted a request for a review to waive their interest, but that could take weeks. I explained that it could be months before i could get the rest of these repairs done if i missed this window. She said she would send out an overnight envelope and it would arrive on Friday ( certainly not overnight ). Today is Monday, no envelope. She was so condescending. 
I called again today and was informed that there was a clerical error ( deliberate, I believe ) and the envelope was addressed to their office. Why did n't they call and let me know what happened or better yet, why did n't they resend it? 
I understand why they are the XXXX most hated bank in the US. They are acting like I am untrustworthy to make the repairs. And I know that it should not take 2 weeks for someone to make a decision to waive. 
I must now find another contractor whom I do not know and that will cost my insurance company more money because I got a really good estimate from the contractor I have used in the past. 
Even my bank officer at XXXX said that was really poor customer service and they would have taken care of it immediately. The loan was originally with one of the banks that XXXX has purchased and the loan has been sold at least 6 or 7 times. When I ended up with Citi, I asked why since it was certainly not a bank I would have chosen. I was informed that when a bank sells a bunch of bad loans they have to include some loans in really good standing. Since I am never late, I really resent this practice. I should be able to choose my mortgage company. If I had been able to do so without refinancing expenses, I certainly would have done everything in my power to get away from Citi. I would pay the fees right this minute but of course, at this point I doubt that I could even get a bank to refinance since such a small amount remains on the note. And to be treated like this does nothing to help their public relations. Oh, sorry, that was a logical comment for a company that actually cares about public opinion. They obviously do not and have no public relations.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Eqifax, XXXX  credit Completed multiple disputes for incorrrct information listed on my credit file and no validation ever sent just showed it was validated on report without any proof. I also requested review and deletion of late payments and negative collections disputed. I sent multiple letters by mail, disputed online. 
Late payments, self lender, XXXX  XXXX. 

XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a credit rejection letter from Chase Bank ( XXXX XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) claiming that I applied for credit on XX/XX/2024. I did not apply for credit, and called on XX/XX/2024. I was routed to a XXXX who said he could not locate any record on their end and that I would have to fax a copy of my credit report showing the hard inquiry before they could help me. I got a copy of my credit report, but did not have handy access to a fax machine. 
XX/XX/2024 I received an alert from XXXX that there was another hard inquiry on my account. And again, it is JPMCB CARD SERVICES who reviewed my credit. And again, I did not apply for credit. 

I request your assistance resolving these improper hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, In XXXX, California enacted AB 539 which, effective XX/XX/XXXX, limited the interest rate that can be charged on loans less than {$10000.00} but more than {$2500.00} by lenders licensed under the California Financing Law ( CFL ) to 36 % plus the federal funds rate. 

My credit report states that on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) loaned money at an interest rate upwards of 130 % higher than allowed by state law. It is alleged that XXXX offers XXXX in over 30 states, whereby it originates, underwrites, services and enforces these loans, even claiming the loans on its financial reports. However, in states where 160 % APR is legal, XXXX  names itself as the lender in the loan contracts, but in states where such APR is illegal, XXXX  instead names a XXXX chartered bank as the purported lender and XXXX as the loan servicer. Then, after the consumer has executed the loan, XXXX purchases 95 % of the loan from the bank and maintains it thereafter. It is alleged XXXX runs this rent-a-bank scheme to purposefully skirt state law, including in XXXX XXXX XXXX California where this complaint originates. 

This loan originated at {$900.00} dollars after 9 months of payments was charged off with a balance of {$1500.00} dollars XX/XX/XXXX. This information is being reported as an OPEN ACCOUNT with a LATE PAYMENT as of XX/XX/XXXX on Transunion account number XXXX XXXX and XXXX. 
The Washington, D.C. Attorney Generals Office filed and latersettleda lawsuit against XXXX for the same rent-a-bank scheme and that XXXX own SEC filings concede XXXX  may be the true lender on these loans and that the loans may therefore be invalid. 
XXXX is in violation of Californias usury laws, unjust enrichment, and RICO violations and seeks declaratory relief. XXXX should be held accountable for its racketeering and illegal loans in California by requesting restitution, compensatory, treble, and punitive damages, injunctive relief, and a judicial determination that XXXX is the true lender on the loans, that California law governs these loans, and that the loan contracts, arbitration clauses, class waivers and jury waivers are all void and unenforceable. 
CFL violations by XXXX, including the CFLs anti-evasion provisions. One of such provisions is Section 22326 which applies to any person, who by any device, subterfuge, or pretense charges, contracts for, or receives greater interest, consideration, or charges than is authorized by this division for any loan. 

The other provision is Section 22324 which prohibits contract [ ing ] for or negotiat [ ing ] in this state for a loan to be made outside of the state for purpose of evading or avoiding California lending law.
Product: Credit reporting, credit repair services, or other personal consumer reports

1

5 U.S. Code 1681n - Civil liability for willful noncompliance ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or 15 U.S. Code s 1681 section 602 A states I have the right to privacy. 15 u.s. Code s 1681 Section 604 A Setcion 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$960.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00}
Product: Mortgage

Freedom mortgage is reflecting late payments XX/XX/XXXX and XX/XX/XXXX which is inaccurate. Our payments are automatic from the bank and are not late. In fact we found they had our full payment and didn't apply it to the mortgage. they even waived any late fee when they found the error. They should NOT reflect a late payment history on the mortgage. Unacceptable. # XXXX
Product: Checking or savings account

I paid for a puppy using chime. Only to find out that it was all a scam. As soon as the puppy was to be shipped I was contacted and told I had to use chime to send another XXXX dollars to have the puppy put into a special crate for shipping
Product: Credit reporting or other personal consumer reports

Cap One Auto has reported an account on my credit report without my written or verbal consent and the account is listed as ( XXXX XXXXCollections ).. In Pursuant to Title 15 1681c ( a ) no charge offs should be published on my profile.
Product: Vehicle loan or lease

Ally auto has not allowed me to send important documents proving my lease return. 

Their investigation was not correct because I have proof of my return on actual date. 

They have closed my dispute stating that it was duplicate and resolved. 

Ally did not contact me after the account went to collections ( which never should have happened ). Once I received notice of the charge off it was paid immediately. 

Trying to contact Ally to provide my proof is near impossible, I would simply like the charge off removed from my damaged credit report which would be very simple for them to do. 

This is complete negligence, Ally is an awful company.
Product: Credit reporting or other personal consumer reports

I applied for a pre-approval loan to purchase a new home because the home I have with XXXX XXXX is for sale I have a buyer and a closing date as of XX/XX/XXXX of this month. So I've been monitoring my credit For quite some time It was rain in XXXX and XXXX And everything was doing good Everybody can't wear shoes my next up then Must to find a buyer and I did But I was denied my pre-approval Because the month I Requested a payoff which was XXXX of XXXX Was the exact same month He's rich A negative report Up here on my credit report stating that I was 90 days past due for XXXX of XXXX. When I contacted the mortgage company they stated that everything was up to date as of XX/XX/XXXX they also stated that they never reported that to the credit bureaus I emailed them through which was a screenshot of the credit report the lender sent me showing that it was there and it was being reported by TransUnion and XXXX. I also screenshot it the reporting of XXXX which is the only Credit Bureau that shows it was paid as agreed. However XXXX XXXX  XXXX refuse to give me the letter on a letterhead paper they told me I needed to make a dispute through the credit bureau and which I did and the credit bureau stated that this could take 30 days to complete the process I explained that I did not have 30 days is what they sense of urgency because I have a closing date for my house and I need to be able to find a place to live and they told me sorry that there was nothing they could do about the process and that is up to XXXX XXXX  XXXX to respond I also sent the credit bureau a screenshot of my bank account showing that payments were made on time as well as a payment history from XXXX XXXX  XXXX showing that they also indicated that it was paid on time and still both sides XXXX as well as TransUnion refuse to correct the issue XXXX a Written Letter on a letterhead paper from the mortgage company and which XXXX Mortgage company refused to give it directly to me they stated that they never received the dispute from the credit bureau and now I'm sitting here without a home and possibly a place to go once my house is sold.
Product: Checking or savings account

On XX/XX/ two unfamiliar checks were deposited into my checking account. On the online statement the amounts are shown as {$1700.00} and {$1700.00}. Both were made in A BRANCH/STORE # XXXX & # XXXX. 

However, for the first time today XX/XX/, I saw images of the deposited checks and the amount on the checks are different to what it says on the account. The amount on the checks are {$3500.00} and {$3500.00}. 

On XX/XX/2023, {$7000.00} were withdrawn from my account. Leaving me in a negative balance. The notation on the statement says " DEPOSITED ITEM RETN UNPAID - PAPER XXXX '' That same day, I submitted a fraud claim with Wells Fargo claims department. They provided me with a claim number # XXXX. I was told it could take up to 10 business days for a resolution. 

Today I called to follow up and I was advised that the claim had been closed. The reason being is because they said the signature on the checks matched the signature on file and that a state issued ID was used in this transaction. 

The signatures on the check were not made by me. I am a victim of fraud and because of Wells Fargos lack of due diligence, they have prolonged this case. My account remains in a negative balance and all of my monthly payments that I make with this checking account are being rejected which will eventually cause credit issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I attempted to use my Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The charges kept getting declined for fraud. I've spoken with the card issuer to remove the fraud alert, they said they have removed it and that charges are not being declined, yet the card continues to get declined through any method I've attempted to pay merchants in XXXX - XXXX, Western Union and XXXX XXXX. When I spoke with Western Union they said the card was being deiced by Capital One due to a potential fraud alert. Two months ago I had to call three times and spent an hour trying on the phone with Capital One trying to pay a hotel. Now I've have contact them six times over the past three days and have spent over two hours on the phone with them trying to pay XXXX XXXX XXXX XXXX XXXX XXXX This morning after waiting on hold over XXXXen minutes, then speaking with an initial customer service agent and then being put on hold an additional ten minutes, I was transferred to an account specialist who told me their system was going through an update ( at XXXX ET on a Saturday ) and they would not be able to assist me for three hours and to call back. I gave up.
Product: Credit reporting or other personal consumer reports

Delete these accounts and inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00}