23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I researched further on the Wells Fargo Auto that I still pay to on my truck. The credit report shows that Wells Fargo has a negative mark on mine so that was how I decided to research. I have learned that I still owe them {$4700.00}. 

I decided to call XXXX XXXX XXXX who I first made payments to before it was transferred to Wells Fargo. The total of the truck worth was actual {$30.00}. However, I paid for over 5 years which is from XXXX, XXXX to XXXX, XXXX which brings to over {$31000.00} but I also recently paid from XXXX, XXXX to XXXX, XXXX so that is total of {$3100.00}. I already paid {$31000.00} AND total of {$3100.00}, so in together on two amounts, I paid over {$34000.00} AND XXXX XXXX XXXX did not report to you ... I paid to XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, which I believe is over {$7600.00} because with XXXX XXXX XXXX was first I paid to ... about {$540.00} per month. {$7600.00} was paid to XXXX XXXX XXXX. It is the total of {$42000.00}. So {$42000.00} was already paid!! And too much!!! My truck should be paid off a long time ago. 

However, Wells Fargo Auto said I owe them more, that is the amount of {$4700.00}!! What?! If so, it would be {$47000.00} later on! The real price was {$30.00} when I first bought it! Wells Fargo has ripped me off big time. I did call XXXX XXXX XXXX to find out why they did not report to 3 credit bureaus since XXXX XXXX XXXX is missing on all. However, the problem falls on Wells Fargo because agreement was on 6 % or 8 %. It is still too high ... I would pay over {$17000.00} MORE! I ask you to investigate on Wells Fargo. They know I am deaf. I believe they took advantage thinking I would not investigate this further. Thanks to XXXX that shows Wells Fargo has a negative mark. 

I complained to you about Wells Fargo yesterday for the wrong info on late payments in XXXX, and XX/XX/XXXX and it was first. I sent them the letter of going to be late and promised them that I would pay FULL AMOUNT and I did. They did not put me in a good standing. So with that information, I dug further on Wells Fargo so that was when I realize I have paid too much on my truck already and it should be paid off. Please investigate on Wells Fargo and penalize them!
Product: Credit reporting or other personal consumer reports

I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : [ Briefly restate why the information is incorrect ] Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 15 U.S. Code 1666b is a law that covers the timing of payments for open-end consumer credit plans. The law requires creditors to : Provide payment due date information : Creditors must mail or deliver statements to consumers at least 21 days before the payment due date.

Provide extension information : Creditors must provide the amount and date of each extension of credit.

Handle inquiries : Creditors can treat inquiries for clarification or documentation as billing errors.

The law also states that creditors can not treat a payment as late unless they have reasonable procedures to ensure that statements are delivered on time.

If a creditor fails to comply with the requirements of 15 U.S. Code 1666b, they may forfeit their right to collect the amount indicated by the obligor. The amount that can be forfeited is capped at {$50.00}.

15 U.S. Code 1637a is a section of the United States Code that covers disclosure requirements for open-end consumer credit plans that are secured by a consumer 's primary residence. This section requires that creditors provide the following information to consumers when they distribute an application to open a credit card account.

Annual percentage rate The annual percentage rate for any extension of credit under the plan, along with a statement that this rate only includes interest Interest rate information A statement that interest rate information will be included with each periodic statement The Truth in Lending Act ( TILA ) was enacted to protect consumers from unfair or inaccurate credit billing practices. TILA requires creditors to disclose credit terms in a meaningful way. 15 U.S. Code 1637 ( a ) - ( d ) covers disclosure requirements for open-end consumer credit plans, including interest rates, finance charges, consumer rights, and creditor responsibilities. 

Please provide the specific details on how the investigation was conducted, including number of the person or entity that verified the information.

1. The name, address, and telephone 2. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail today from Equifx, credit file date XX/XX/XXXX confirmation # XXXX and the name is still incorrect. The name on the letter is XXXX XXXX, my name is XXXX XXXX and I have told them this more than 100 times. I haven't used XXXX XXXX since I was divorced in XX/XX/XXXX. I have no credit under XXXX XXXX, no ID under XXXX XXXX and it is not my name!!!!!! 

I want my credit file corrected asap to my correct name which is XXXX XXXX XXXX and my address is XXXX XXXX  XXXX XXXX XXXX, NC XXXX and my employer is XXXX, XXXX and XXXX, XXXX
Product: Credit card

XXXX failed to uphold customer privacy when sharing information with other people in their company that was not assigned to my account. This company has been passing my personal information around to many people and now XXXX starting to get mass fraudulent calls and text from other companies that they continue to sale my information to. Discover had made many mistakes on my account and because of me calling and complaining about them discover will not fix my issues, but I do notice that theyve changed some of their policies like now theyre starting to ask people if this is actually is their account that theyre paying with. Discover didnt do that before if they wouldve done that and had a way for you to know if you had put in the wrong information then it wouldve bounced back to where their customers wouldve known. Discover app is completely glitch and I fear that another customer can put in false information and be able to make fraudulent payments. App is a complete disaster and is super glitched out and Discover blames it on their customers like the absolute worst customer service in the worl. Discover fails at every aspect in customer service.
Product: Vehicle loan or lease

This is my second complaint against Chrysler Capital. I have tried for many years to rectify this problem. I requested the service of your agency to retrieve paperwork from Chrysler Capital concerning a lease agreement on a XXXX  XXXX XXXX. 

The vehicle was returned a few months before my lease agreement ended and I was supposed to receive information from the bank as to what my total balance would be once the car was back in their possession. 

The bank never sent me a final bill and years went by I've called numerous times to retrieve the final bill, unfortunately, covid hit and people weren't answering the phone anymore. 

When I requested your agency to get involved with retrieving answers from Chrysler Capital, this was the first time I received any response. In the reply letter that I received from them they admit that they did not inform me properly of what my balance was. 

Instead Chrysler Capital decided to report to all three credit bureaus that I was delinquent in different amounts from {$5000.00} to {$7000.00}, which each credit bureau reported something different. 

After I received this information I tried to contact this company by phone again requesting payment for deletion. I was advised by five different customer service reps that there was nothing that could be done and it went into collections. 

My back is up against the wall I think this is extremely unfair for a consumer to not get answers for years, have to get an agency involved to finally get real concrete answers and the bank gets the privilege of reporting to all three credit bureaus that I'm delinquent but they never inform me with my final balance was. What makes this process worse is they admitted that they never informed me how is this even legal.
Product: Payday loan, title loan, or personal loan

I took out a Signature loan with Advance America in XXXX Nevada and I was paying my payments on time and then the website for this company went down for 7 days approximately. At that time I couldn't make my payment because the website was down. After it was back up I received an email that apologized and said they would work with people on this issue and not charge fee 's and things like that. I told them that the missed payment can be added on to the end of my loan ( I have made every single payment on time except for when the site went down ). Well I have been called and emailed every day about the missed {$100.00} payment and I keep telling them I can pay only the {$100.00} twice per month and now they are telling me I owe the whole loan! I am being harrassed and it isn't really my fault. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern upon checking my credit report on Equifax, XXXX, and XXXX XXXX I noticed some inaccurate credit reporting on the accounts as follows ; Equifax : 1. ( XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 2. ( XXXX XXXX XXXX  account numbet XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please verify the accounts information accuracy by providing the following documentations as follows ; 1.Balance history 2. Credit Insurance 3 . Interest rate disclosure 4. Payment history 5. Payoff disclosure 6. Original contract Please provide all documentations to insure accurate information regarding the above accounts if unable to provide documentations kindly delete inaccurate accounts from my credit report.
Product: Credit card

I opened a Home Depot credit card ( Citi ) after being prompted with an advertisment noting a {$50.00} statement credit and 6 months special financing of 0 %. I applied through the pop-up so as to receive the promo. As I have a security alert on my credit report, Citi needed to contact me to verify the credit request, which they did. Upon proceeding with the purchase, the advertised {$50.00} credit was not applied. I called to inform them & was told that the promo was an either/or promo. However, I informed them that I had taken a screenshot of the advertisment & it falsely states *and. * I believe this to be a UDAAP violation & informed them that I would be filing a CFPB complaint to inform the agency of the bank 's practice. They did apply the credit at my insistence ; however, the institution should not flagrantly disregard UDAAP by misleading customers in this way. I find it highly unlikely that my account is the only account that this has occurred to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that there are several inaccuracies for XXXX XXXX XXXX XXXX  XXXX Credit Card. This is causing harm to my credit profile and causing financial harm as it affects the overall interest i pay on recent and future lines of credit. 

The debt is being reported twice on my credit report from both XXXX XXXX XXXX XXXX  XXXX and by XXXX XXXX XXXX. The debt should not be reported twice. 

The second inaccuracy is that there is no balance owed to either creditor. The balance was settled and there is a balance owed. XXXX XXXX XXXX assured me that the debt would be removed permanently from my credit report. I would request that the most recent phone call be pulled from XXXX XXXX XXXX and hear the representative ensure that the debt would be deleted. The phone number I would have called in from is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is knowingly and willing report information derived from a medical or health care provider which is violation of [ 15 USC 16819a ( 3 ) ( a ) ] on EQUIFAX company website under " Classification of creditor '' it says " medical or health care provider ''. This organization is aware of the derived medical information. Also this debt was deleted in XX/XX/2021 and reinserted XX/XX/XXXX, XXXX today is XX/XX/XXXX I haven't received any written notification nor any new verification of debt. This is violation of [ 15 USC 1681 ( B ) ( i ) ( ii ) ]
Product: Debt collection

Original account was opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XX/XX/XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Glass Mountain Capital LLC XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX Debt : {$610.00} I was unaware of this account until contacted by phone XX/XX/XXXX from Glass Mountain Capital . Following the call, I received a letter from Glass Mountain Capital with an attached copy of the lease agreement disputed by me. The email address used on the agreement is incorrect and neither of the 2 debit cards used for payment belong to me. I do not have debit cards ; only 2 credit card accounts.
Product: Student loan

I had XXXX student loan with Navient. It was XXXX loan the original date was XX/XX/XXXX. XXXX for {$6100.00} and the other for {$4000.00} I paid on them for years and I paid in full on XX/XX/XXXX. The last payment I made was {$3200.00}. In XX/XX/XXXX, I heard of student loans being forgiven so I contacted Navient to see about getting my money back and putting the loan back on so I can get that forgiven and they said I couldnt. Ive recently seen in the news of Navient having to payout and wanted to see if I qualified.
Product: Debt collection

I recieved a letter from mid south adjustment onXX/XX/20 in regards to an alleged medical debt that they believed i owed. On XX/XX/2020 i paid {$100.00} to the original creditor, XXXX XXXX   XXXX ( documentation attached ). At that time the account was pulled from collections, which is shown on attached documentation. On XX/XX/20 i paid the remaining balance of {$90.00}, with {$0.00} remaining. The letter from mid south adjustment ( document attached ) claimed that i am involved in a lawsuit for the debt. I called them on XX/XX/20 and let them know that the debt was paid and that it is illegal for them to threaten to sue me, in order to receive payment. The lady i spoke to stated that she had no knowledge of me paying the debt. I explained to her that the documentation that they sent me clearly documented me paying the debt. She put me on hold, and came back and stated that she has no record of me paying the debt, and that i also have legal fees and court cost to pay. i ended the phone call immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I keep getting told by Experian that these are tied to auto loans but these loans dont exist on my credit report. Continuously told that the creditor is the only one who can remove these but nothing is being done. Experian is in flagrant violation of fair credit reporting act. I filed a fraud report and nothing is being done about these improper credit inquiries.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

I paid off my car for the full amount as stated in the payoff quote by the financing company. The money was taken from my account and my bank confirmed that the finance company had the money, but they claim they did not receive it. They also would NOT provide a written or verbal statement that they did not receive it.
Product: Money transfer, virtual currency, or money service

In XX/XX/2021 my account with Paypal was shut down for unknown reasons while I had a balance of {$2400.00} left in my account with them. As per the shutdown, Paypal told me they would hold the funds for 180 days ( which itself is crazy and very inconvenient ) and that after that time, an email would be sent to me with instructions on how to retrieve my funds. After 180 days, I NEVER received the email and to this day, I am still unable to retrieve my funds. This is a very horrible way to run a business. This is money that Paypal is choosing to hold without any merit at what appears to be, indefinitely. I want my money back!
Product: Debt collection

In XXXX I left employment with Platinum Roofing and resigned as CEO. In early XXXX and again in late XXXX XXXX XXXX dba XXXX XXXX XXXX was notified that I had separated from XXXX XXXX and was not responsible for their debts as of the end of XXXX. I was repeatedly told by XXXX XXXX XXXX of Davis , Pickren , Seydel & Sneed , LLP that XXXX XXXX dba XXXX XXXX XXXX was going to file suit. On XX/XX/XXXX I received notice of suit for debt in the amount of {$310000.00} naming myself as responsible and a personal guarantor even though XXXX XXXX, the law firm of Pickren , Seydel & Sneed, LLP and XXXX XXXX dba XXXX XXXX XXXX had been clearly notified multiple times of my removal from all debt and guarantees from XXXX XXXX.
Product: Debt collection

I am not the debtor. I have not been married to the debtor for 20 years. 

Receiving repeated, multiple calls from spoofed numbers in a row, on the same day. 

Attempted to get my number removed and the company hung up on me repeatedly, then forwarded my calls to voicemail to avoid receiving the notice to stop contacting me.
Product: Debt collection

I XXXX XXXX, desire to settle on my remaining collection accounts, and this is my third request for at the very least an offer of settlement. I am facing a serious financial matter where bankruptcy might be my only option. However, I am requesting a very low percentage settlement as I have excessive medical bills that are bringing me to a possible bankruptcy filing. I need a setter of settlement emailed to me as quickly as possible. I also submitted a power of attorney with my collection creditors, and this person can be of service in perhaps settling all of my creditors across the board. I request an immediate settlement offer. I request the services of not only debt buyers, but also from the original creditors as well. I demand the actual costs from each credit as to what the original debt was purchased for. 

XXXX XXXX.
Product: Consumer Loan

Was pre approved for a loan. 2 weeks later loan was not funded, however they re ran my credit and caused my score to drop XXXX points. then they declined the loan for the score drop even though no information had changed in my consumer credit report
Product: Credit card

About 1 week before the offer to earn {$30.00} expired ( XX/XX/2023 ), I called the customer service line to confirm that the 5 transactions outside your family of brands requirement was met. Your customer representative confirmed that I met this requirement. 
Then, she proceeded to tell me it is also a requirement for me to contact XXXX Credit Card that I intended to pursue this offer. I communicated this condition was not written on the offer. She said that there is a new bank handling this card and it is now a requirement. 
As I never received another communication changing the original offer, I request you honor the offer mailed to me and attached. 
Please respond 30 days after receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX damaged my credit report by adding eternal insurance that I was not aware of till I seen it on my credit report they raised my payments from {$950.00} to {$1200.00} with out notifying me first about the adjustment they claim they sent the letter to XXXX XXXX XXXX XXXX but my address starts with XXXX this is an error on thier part I have never lived at XXXX XXXX XXXX XXXX I moved to XXXX XXXX XXXX XXXX Immediately after XXXX XXXX XXXX and because of that error in witch they refuse to fix and reverse the charge of {$7500.00} off for them purchasing the external insurance in witch by the way I had insurance on the loan the whole time through XXXX  they refuse to remove the {$7500.00} for that insurance with made my payments go up and make me struggle to get it and their change happened during the pandemic I had XXXX XXXX XXXX XXXX on the phone with my insurance company to prove to them I had insurance the whole time after detting off the phone with XXXX in touch still refused to change my credit and reverse the charge I made several calls to them even challenged the information through the credit reports still they refuse stating all what they say is true
Product: Bank account or service

I have a customer at regions Bank in XXXX Georgia. I placed my daughter as beneficiary on my checking account when I open my account several years ago. My bank is in a small town everyone knows everyone my daughter went to middle and high school there everybody knows who she is. The first incident occurred the year I opened my checking account. My daughter and her husband have their own checking account at the same branch. XXXX day she came in and could not remember her checking account number they asked her for her social and it pulled up her name up on my checking account and gave her an account balance and serval bank deposit information. She had no idea that it was my account she assume that it was her and her husband 's account she was inquiring about. 
I immediately brought it to XXXX XXXX attention the branch manager. I gave her the employees name and details and she saidthe reasoning for that mistake she says is when they pulled the account through this social the first screen shows her name as beneficiary so they assume that she owned the account that was her only solution. She said it would n't happen again. Now on XXXX XXXX, 2016 the same incident occurred again. I am very angry and concerned from the breach of my personal information even though she 's my daughter and down as my beneficiary she has no rights whatsoever to my checking account! 
I am requesting an expedited resolution in compensation due to the fact that it was never resolved and it is still an issue and it is against the law.
Product: Debt collection

I received notice of an account with XXXX XXXX  in XX/XX/2022 in the amount of {$1700.00} and it appeared to be open in the summer of XXXX. This was first statement and it was months past due. I have 1 XXXX account with Mobile and home internet and a second account for a second residence. Both of these accounts are current and I pay every month and don't need a second account for mobile services because all my phones are on my current account. I reported it as fraud and identify theft with FTC and with XXXX and then put a fraud alert on credit bureau. I have provided XXXX fraud affidavit, ID showing myself, and the filing with FTC. They continue to deny it is fraud and keep reactivating it on my Credit Bureau. Their system is so convoluted that they only allow for you to submit the information through a portal and you are not allowed to talk to anyone.