23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have a new mortgage with Wells Fargo. Payments started XX/XX/2019. The first payment could only be done as a one-time payment, which I found odd, as every other bank with which I've had a mortgage - big and small - allowed for autopay to be arranged online. There was no option to arrange for autopay on the website at all. I managed to remember to make another one-time payment for XXXX, but I was late to realize I did not make an XX/XX/2019 payment until just today, XX/XX/2019. I did not receive any email or other alert before the payment was due or after it was in " overdue '' status. I made that payment and spoke with someone by telephone to explain the situation, and I was both assured I would have no credit hit or late fee due to this being a new loan, and the person was able to put in a work order for autopay going forward, but I still wanted to lodge a complaint that they do not make this option available in a consumer-friendly, systematic way. I was very surprised to see that I have to " opt in '' for alerts of incoming payments and especially overdue payments. The absence of online autopay enrollment available at the time of online account setup and the need to opt in for basic alerts - which is not typical in my experience having held mortgages with multiple banks of varying size over the last 10 years - makes the cynic in me think this is perhaps by design as it would be a nice way to collect late fees in addition to interest.
Product: Vehicle loan or lease

The problem is associated with Westlake Portfolio Management their are XXXX addresses associated with them ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX - XXXX and Westlake Portfolio Management XXXX XXXX XXXX XXXX XXXX California XXXX - XXXX, email address is XXXX phn # XXXX - XXXX - XXXX - XXXX and XXXX XXXX XXXX - XXXX An CFPD Complaint against them and unfair practices has already been reported about them on XX/XX/XXXX concerning credit cards the file ID is XXXX, on XXXX XXXX of their representatives told me that I had a debt of $ XXXX change from Account XXXX Contract # XXXX, that was transfered from XXXX XXXX XXXX, whom is no longer in buisness, I let the representative know that on XX/XX/XXXX I received a letter from XXXX XXXX Client Resolution XXXX that stated any missing or late payments had been removed and correct and accurate information was provided to the XXXX major credit bureaus,, also that on XXXX - XXXX - XXXX In a response to a complaint I filed against XXXX XXXX ( ID XXXX XXXX - XXXX ) with CFPB, XXXX XXXX XXXX has stated that the account associated with the XXXX XXXX XXXX XXXX was closed , payed off with a XXXX balance, I have also emailed Westlake Portfolio Management pictures on the letter from XX/XX/XXXX from the XXXX XXXX Client Resolution XXXX, a shared link to file ID XXXX - XXXX that shows XXXX XXXX  stating to the CFPB that I no longer owe any money at all on the account and it is closed with a XXXX balance, she then stated that I showed email them a copy of the XX/XX/XXXX letter, I spoke to another representative on XX/XX/XXXX that said they would look into the matter, they haven't responded back to me or explained why the account is still open after XXXX XXXX stated it was close in their response in ID File XXXX - XXXX on XXXX - XXXX - XXXX, I also requested a pay off letter by both mail and email fro. Westlake Portfolio Management concerning the XXXX XXXX XXXX Account # XXXX Contract # XXXX, In have not yet received any response, I will be provided them with all necessary information that proves the Account shouldn't be open and has been forfilled, it appears that XXXX XXXX has lied to the CFPB in the response on XXXX - XXXX - XXXX and or Westlake Portfolio Management is lying as well.
Product: Debt collection

I applied for a membership with XXXXXXXX XXXX and was advised if i canceled within 30 days it would be removed and i did which i attached to the debt collector and they continued to Harras me requesting a debt that the gym was aware that i no longer owed. The gym refused to acknowledge the cancellation they gave me and sold a debt i did not owe. and attached you will see the noticed from Aldous and associates.
Product: Credit reporting or other personal consumer reports

This is XXXX of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX  XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these items ASAP.
Product: Debt collection

Due to a family hardship, I am working with XXXX XXXX XXXX to eliminate my credit card and signature loan debit. XXXX of my creditors Springleaf Financial continues to call me at work and at home even after they have received the cease communication notice and I have also told them not to call me at work because I 'm not allow to have personal phone calls. At XXXX point the XXXX XXXX XXXX XXXX of Springleaf ( XXXX ) transferred out of my work voice mail and got my Manager to transfer the call to me.The message the XXXX XXXX XXXX XXXX XXXX left on XXXX/XXXX/16 on my cell and on XXXX/XXXX/16 on my work voice mail said that he turned down XXXX settlement offer and would not work with them. He wanted me to make XXXX payment or he was sending the account for wage garnishment.
Product: Debt collection

Conns will continue to call repeatedly even if payment made during grace period and even if we tell them payment will be made. It is extremely harassing and I will absolutely never purchase another item from them because of this reason alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked that two negative credit accounts that are closed XXXX XXXX XXXX XXXX and XXXX XXXX ) and have been opened more than7 years ago, be removed from my report. They have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I asked for, in writing to receive original debt verification. I received a letter on XX/XX/2019 that stated, because they are the first party creditor they were not obligated to provide the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Guys I highly believe that with all of my efforts of disputing since last year, that Im being willfully violated regarding my credit. I disputed my credit report for all accounts in XX/XX/XXXX after having to apply for a mortgage for my family to have a place to stay. I was being turned around because all of the accounts that are being charged in my name. I requested an investigation and original proof to be sent to me. I got absolutely nothing back. Not only that I decided to send a re-investigation letter through certified mail on XXXX XXXX to all 3 bureaus and requested specifically that every date, balance, verification of debt, payment history and all be checked thoroughly again. However, there has been no correction only more reporting that arent the same across all 3 bureaus. Im now out of a home with my XXXX children and my wife and have no other option at the moment to get my own place of living. 

Im have over 13 accounts from the same Creditor : Account Name : XXXX XXXX XXXX Account # XXXX being reported on my credit report. They all show the exact same account number, but completely different Date Open, High Credit, Payment History, Date Last Active, and more. Then theres 3 more accounts with the same account number under XXXX XXXXXXXX name, with lots of blank data from all 3 bureaus. 

XX/XX/XXXX is the oldest account under the names which is already 13 years of age and the oldest account being reported is XX/XX/XXXX which is 7 years of age. 

Again, its been few attempts to hear back from them. 

Section 607 ( b ) by FCRA ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I saw on the CFPB bulletin for XXXX XXXX, that theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were 5 things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 
Ive been mistaken for other XXXX XXXX continuously, but this time it actually cost me housing and denial from banks and damaged credit. 
Im requesting monetary relief per violation ( and the willful violation ) and for the damages that were caused and money spent trying to fix the same issue multiple times.

15 USC code 1681n ( a ) ( 1 ) ( A ) Also, consumer reporting agencies must Correct or Delete any inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. 

I will attach both proofs of credit reports I pulled from XXXX XXXX ( in color ) and XXXX XXXX ( black and white ink only ) to compare if they thoroughly investigated and corrected anything. I will also list the tracking numbers below for the disputes.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 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: Mortgage

I had a mortgage with XXXX XXXX XXXX from XXXX XXXX through XXXX XXXX. XX/XX/XXXX, I sent in my mortgage payment to XXXX and they said it was {$5.00} short so they sent it back. I never received it. The confirmed I did n't receive it and never cashed it as they sent it to a " holding '' department that does n't exist on my end. Since that day and prior, I had been making mortgage payments on time and had no idea they starting docking me 30 days late since that payment. XX/XX/XXXX they sold my mortgage to Nationstar. I did n't receive any information from XXXX regarding the sale and for XX/XX/XXXX and XX/XX/XXXX, I paid XXXX. XX/XX/XXXX I finally realized my payments should be going to Nationstar so I made my first payment to them that month. I have documentation of proof of payment to both institutions dating back to XX/XX/XXXX. Nationstar is docking me 30 days late for the months of XX/XX/XXXX-XX/XX/XXXX because of the payment that was " sent back to me ' from XXXX. Their explanation for the lates are they purchased the mortgage from XXXX and purchased all of its history too. Well not knowing my payment was sent back, I had no idea this was taking place. I am now not able to get a mortgage since I have all those 30 day lates and to top it off, they added a 60 day late in XXXX of XXXX. I have disputed this with the institutions and their comments back are " our records are correct and no adjustments are warranted ''. I then submitted all my documentation to the XXXX bureaus and based off their investigation gave me credit ( removed XXXX 30 day lates ) for XX/XX/XXXX and XX/XX/XXXX? How and why just these two months i have no idea. I showed proof of payment for the last 2.5 years. Nationstar has me 30 day late XX/XX/XXXX, 60 day late XX/XX/XXXX and 30 day late in XXXX and XXXX in XXXX? How can this make sense to anyone? I have tried to contact nationstar for the last 5 months and have got NO help in regards to explanation other than they purchased XXXX history. Every time I call I get a different person who has no idea why I am being docked late. I was given the name of " a manager '' I needed to EMAIL all of my documentation to and would get a response in 30 days. That was over 45 days ago. I have send numerous emails to this individual in the course of 45 days and have gotten ZERO feedback. I need some serious help with this issue as it 's preventing me from getting a new mortgage.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2017 I took out two title loans over the internet with the company XXXX XXXX XXXX  : I was told that the interest rate would be around 40 % and when I got both title loans contracts the interest rates were 55 and 66 % on both title loans : In this year of paying these title loans down XXXX XXXX XXXX  have refinance or put the past due payments at the end of the loans : At least three to four times now : It seems like there's no end in site : My car has been falsely reposes once and they apology for it and did not charge me a pickup fee : because I had made arrangement prior to them ordering a repo of my car : but nevertheless I had to miss work and call an Uber driver to pick me up as well : The rates are to high and the balances are not going down : I was told one thing and paying another thing :
Product: Bank account or service

I have been having a significant amount of fraud on my citi bank checkings account. I asked citi bank back in XXXX to Cancel my account instead they just gave me a new debit card. In XXXX i had identity theft, my computer got hacked an all of my finacial accounts XXXX being citi bank got comporomised. Someone stole my identity and withdrew {$1400.00} from a teller. The branch is located in XXXX according to the customer service representive i talked to, to initially create the claim. Everytime i call citibank they transfer me to someone in XXXX and I hate it. I called in XXXX to make the claim and the representitive never even made the claim! I called back in XXXX to get a status update amd was told the claim was never made and so i had to wait longer to get my money back. I tried to file a police report and citi bank said they do not have the video anymore that is deleted after 30 days amd that there was no way they could help me. So they XXXX me over when it came to getting the autorities involved, the police said i needed solid evidence to accuse the people i was trying to accuse and citi bank could not provide me what i needed. I have been calling for 2 months now, I never got a letter or an email about the status of my claim and every person i talk to is incapable of doing their job. I am currently living on the couch of my sisters apartment because citibank has not given me my funds back so i can attempt to look for a place! I called my friend who works for XXXX in XXXX XXXX XXXX XXXX and he told me to take these actions. I need my money back!
Product: Debt collection

I applied for an apartment at XXXX XXXX properties in XXXX, Illinois in XXXX and paid an administrative fee of {$270.00} on XX/XX/XXXX and another {$270.00} on XX/XX/XXXX. 

I paid over {$550.00} collectively in " fees '' to be told we were pre-approved and would have a move in date shortly. After not receiving any communications for over XXXX XXXX  we reached out to XXXX XXXX just to be told we actually didn't have the apartment and none of the fees were refundable. 

On XX/XX/XXXX I received a collection alert on my credit report for {$270.00} and my credit score dropping over XXXX points. 

The collection company informed me this notice was placed on my credit report citing I didn't pay an administrative fee which is totally incorrect. I contacted the company and provided all email snapshots and receipts and I they refuse to correct their mistake.
Product: Debt collection

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I consolidated two loans to recover from default during unemployment and was offered an income based repayment plan in XXXX. I consolidated XXXX XXXXXXXX XXXX and XXXX  XXXX XXXX  loans and my payment was XXXX XXXX. The next year I went tor recertify. I was making approximately $ XXXX. and they tried to make me pay $ XXXX. I asked, begged and pleaded for a lower payment and it was not granted. I even asked what would happen if I paid a lower amount thsn what was required. They said my only option was to pay that amount, so I had no choice but to default a second time. 

It took me until XXXX to make enough to afford that. I called and spoke to a rep named XXXX XXXX in XXXX XXXX. XXXX. She told me that she saw my call in the records where I asked for a reassessment of my monthly payment amount and that I qualified for a repayment amount less than $ XXXX. based on my income at the time. She helped me file a complaint with PHEAA, but no one has taken responsibility for the issue. I would have been able to afford that amount and would not have defaulted. This has caused me an addtional $ XXXX in collections and additional financial hardship. I would be wage garnished if not for the COVID  moratorium, and no one cares that my financial life has been ruined as a result of me not being given the opportunity for a more reasonable payment that I qualified for. Now I am ineligible for XXXX XXXX. I have to consolidate again. My loan is even more expensive, and I can not qualify for rental or home ownership because of this. When I call to try and address my loans, people are rude and condescending. When I tried to get a better understanding on a recent call, I was told, " It doesn't matter if you don't like it. That's the way it is. '' I have lost all trust in this company and feel like I am being forced to negotiate with XXXX XXXX. 

When I submitted the complaint I was told it would be added to my PHEAA account notes but nothing would be done to rectify the issue.
Product: Vehicle loan or lease

Capital one Auto Finance : XX/XX/XXXX, I paid off my late husbands car loan so I thought. After XX/XX/XXXX and when I went to XXXX I got a told still a loan on the car. What??? That same day, XX/XX/XXXX I received a letter stating it was returned for NSF. Which isnt true. The money was there. Checked my account and my bank. No XXXX charges to my account Nothing. The week before I paid off this loan so I thought I spent XXXX days trying to get payment to go through. It was system error on them. Probably still was but they are saying XXXX. I was transferred so many times these XXXX times just to get a loan paid off. Cant pay online anccount it was in my late husbands name only. Interest keeps on going. After this XXXX notice, I told them to take interest off due to a month of something I thought was paid off. Been a battle. They took of late charges. Talked to office of the president in XXXX. By XX/XX/XXXX she said she would have an answer with management. She called on XX/XX/XXXX and left a messaged. I called her back XX/XX/XXXX, week of XX/XX/XXXX and week of XX/XX/XXXX. I keep getting told no messages on the account, she will call you back but she hasnt called me back. Just trying to pay off this car loan from my late husband. He passed unexpectedly and raising XXXX kids. Nothing in the mail as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mi name is XXXX XXXX XXXX, My daughter, XXXX XXXX, was placed under legal guardianship under my care as of XX/XX/XXXX because XXXX is in a XXXX XXXX XXXX. I am responsible for all her affairs. Since the appointment, I tried to straighten out her financial affairs, including the XXXX XXXX credit card under discussion here. Several trips and several calls to the bank have been made. A copy of the legal papers were provided to the XXXX branch manager at the first visit in XX/XX/XXXX. In each of my attempts, no one will speak to me insisting they need to speak with XXXX, or that a Power Of Attorney be provided. I have repeatedly explained that XXXX became XXXX XXXX from an emergency, and a Power of Attorney will not be possible to obtain. In such cases Legal Guardianship that is awarded by the courts is the method by which authority is assigned to someone to act on behalf of another. All I need is a payoff balance, as I want to pay the account off, but since they wo n't speak to me, it is impossible. XXXX 's reputation has been harmed as she has been needlessly reported as delinquent. I feel XXXX XXXX has been negligent, causing me great stress as her mother because I believe in paying bills on time. I do n't understand the unwillingness of the bank to deal with me since I have the authority to act on her behalf. Please help me make the bank understand they must give the information necessary for me to pay the bill off. I also want very much to have her credit record adjusted so the delinquency is removed. Thank you,
Product: Money transfer, virtual currency, or money service

I was charged a {$35.00} fee by US Bank to stop a bill that I had used an auto payment feature to pay with. I began using the feature believing it was a free bill automation tool, not any kind of paid service. I have not brought it up with US Bank for fear of retaliation. I also am unable to attach evidence of the charge of the fee because the app does not allow screenshots to be taken of the charge screen.