23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

In XX/XX/2922, One Main to inquire about my car which is being used as collateral on my loan. I used the car as collateral for the original loan 2 years ago, but I have since paid off both a ) the cost of what remained on the car note and b ) what the original loan amount was. I refinanced this loan last year to cover new expenses. The car has failed inspection, is no longer drivable, and the cost of repairs would be more than the cost of the car ( about {$2500.00} according to XXXX ). I asked one main if they could either release the title so I could trade the car in or allow me to provide other items of value as collateral because this car is not worth anything. The branch placed me on several holds, then told me they would call back. After waiting 5 hours, I called back and the branch manager said that neither scenario was possible. He suggested that a dealership pay off the entire remaining balance of the loan, which is almost 7.5x higher than the cost of the car. I filed a complaint with the XXXX, and after a series of responses, One Main informed me that they accept the risk of the car not being drivable and they would a only release the title if the loan is paid in full. On XXXX, One Main accepted a {$6900.00} payment from my insurance company, which left a balance on the loan of {$10000.00}. One Main released the title to XXXX, and informed me that the balance/interest/and terms remained the same. In the XX/XX/26 letter and in multiple occasions, one main informed me that the title would only be released if the loan is paid in full, which is clearly untrue. I have been mislead and mistreated, and One Main was clearly settling for the highest bidder for the car. This policy clearly needs to be rewritten and updated, and some resolutions should be offered to me for how this company has repeatedly unfairly treated me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this loan and this company keeps reporting to my credit bureaus.
Product: Credit card

Since XX/XX/XXXX, I have escalation regarding the late payments made by account assure pro a subsidiary owned by community bank that my XXXX payments are not being made on time or of made at all. I have called weekly since XX/XX/XXXX and was told I would receive a call between XXXX business days But as of XX/XX/XXXX, I have not received that escalation phone call as promised. Since XXXX payments are not being posted on time or they are not being posted at all. I am paying for a service that is not providing payments as promised per their agreement and contract. Since XX/XX/XXXX I have called every single week to account assure pro and they assure me the payment will post and I will receive a call within 2 days or less. That call never comes through. I have called 2 times ore. once in XXXX and once in XX/XX/XXXX. A woman with a Spanish accent answered the phone refuses to let me talk and tells me they are not handling my account while giving me the phone number XXXX XXXX which is the number i call her at and she refuses to let me speak to a supervisor. on XX/XX/XXXX, after again denying me to speak to a supervisor, she gave me her name XXXX. This person is refusing me service on a benefit that i am currently paying and have payed on for years. On XX/XX/XXXX after i had to call back to speak to another representative because " XXXX '' refused to transfer me or do her job. I spoke with XXXX, the same representative that I spoke with on XX/XX/XXXX. She informed me again the payment would be posted soon. I told her it was almost a month and the payment has not posted. I requested to speak with a supervisor but the supervisor I have spoken to previously has been " busy '' these last few calls and I can not get to her. No one knows why my payments aren't getting posted and no matter how many times I call, I get told I will receive acal from a supervisor or an analyst but no one calls me. XXXX informed me on XX/XX/XXXX that a supervisor would contact me by the name of XXXX or XXXX and as of this filing, v no one has called me. I have givn my work number and instructed to leave av voicemail but no one is calling me. These services are not free and while I am paying for them, my payments aren't being made on time if made at all. 

I currently have a new claim pending and am afraid my bill won't getr paid per the service agreement. This Account XXXX XXXX has been nothing but problematic. No one calls me back, no one answers escalation and no one knows anything that is happening.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX XXXX {$140.00} XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$2400.00} XXXX  XXXX XXXX  XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Mortgage

In XXXX of 2017 I started refinancing my current residence with XXXX XXXX XXXX, the same people I have my current FHA loan with. We wanted a conventional loan with no PMI, and finally were in the equity position to do it. Fast forward to XXXX XXXX and the refinance is completed. Or so I thought. I started getting collection calls from Loancare, the loan servicer, XXXX XXXX that my loan was past due for XXXX. XXXX assured me all was well and to ignore for now. XXXX XXXX I was still getting collection calls. I spoke with the representative at the servicer, Loancare, who told me with XXXX the payoff could have been delayed. Then on XXXX XXXX I am told by my loan officer that the wrong payoff amount was wired by the settlement agent, XXXX XXXX XXXX, but it was corrected and will be done in 24-48 hours. A contact at XXXX XXXX XXXX tells me he has nothing to do with it although his name is on the closing docs. 
It is XXXX XXXX now and I still show a balance on my loan of over {$280000.00} and I am late for XXXX and XXXX. I brought a Cashiers Check to the closing table for any additional funds. I am being told the wrong amount is being wired by XXXX XXXX to XXXX to pay off the original mortgage. They are sending the amount on the Closing Disclosure and being told it is not enough. Then it takes 3 days for Loancare to tell XXXX XXXX the amount is incorrect and does not tell them the correct amount, even though it matches the Closing Disclosure. The XXXX at Loancare tells me to call the settlement agent and is unreachable by phone. Nobody at Loancare will clear this up. Please help me!
Product: Student loan

I currently am repaying my student loans via Naviant and have noticed several issues with the loan process and repayment. I graduated from XXXX XXXX University Online in XXXX of XXXX and began repayment with Sallie Mae originally. During some financial hardship and moving to another state, I contacted Sallie Mae and requested help on what I could do until I was able to pay again. Sallie Mae insisted a forbearance was my BEST option and I agreed to enter forbearance without the knowledge that I would still accrue interest while the forbearance was in place. In XXXX, while still in Forbearance, I received a letter from Naviant that they would be taking over my student loan. In XX/XX/XXXX, my husband and I entered into Chapter XXXX bankruptcy and the loan was placed back into forbearance for the duration of the bankruptcy. In XXXX, we completed the Chapter XXXX process and the loans came back into the mail and I began the repayment. On XX/XX/XXXX I received an additional bill in the mail from Navient stating that my forbearance had been approved, but payments would resume on XX/XX/XXXX. This caught my attention because # 1 I was already paying on my loan ( so I thought ) and 2 since the bankruptcy had ended, I had not requested any additional forbearance options. I then proceeded to log into my Navient account online to try and find answers. I was shocked to find the had broke my student loan into 5 separate loans all accruing an individual amount of interest. I was shocked to learn that forbearance was still adding interest payments as that was not disclosed. I was simply informed that the loan would be placed on hold for " X '' amount of time. At the time of learning all of this ; to me, new information ; I felt it was time to reach out for help after reading about the lawsuit in place against Naviant for similar practices. Currently, I am a stay at home mom while my husband is the only source of income for our family of XXXX. I plan to contact Naviant again on Monday XX/XX/XXXX to discuss putting some of these loans back on hold until I can pay them all.
Product: Credit card or prepaid card

On XX/XX/2018, my sister had a XXXX XXXX  her from talking or moving. A power of attorney was granted to me, XXXX XXXX XXXX, XXXX XXXX  in XX/XX/XXXX of that year. The power was notified before my sister had completed the XXXX ( XXXX XXXX ). She was judged to be competent by her physicians. I forwarded this with a request by M & T bank to change the address so that I could pay the account. They refused to honor the power of attorney and would not discuss the reason. My sister was undergoing XXXX treatment and I was personally trying to straighten up her bills. As a result, M & T bank was paid {$3300.00} on XX/XX/2018. M & T bank would not send me a bill or statement. On XX/XX/2018, my sister died and I forwarded M & T Bank a copy of the death certificate and my appointment as Administrator of the Estate. The only bill I could find from M & T bank continued to show a balance and it was repaid again. M & T bank has refused to discuss any dertails of my sister 's account with me despite forwarded their requested information. After 3 phone calls and another forwarding of documents, I finally was asked to personally deliver a copy of the death certificate and my appointment as Administrator. I took pictures of the event. Now two weeks later, M & T bank which has closed the account because I notified them of my sister 's death have collected the debt twice, they still refuse to give me any information, they claim that they hold any excess payments for two months even on closed accounts, and they hold an excess {$2700.00} paying no interest and refuse to add a forwarding address which I have requested. Any excess payments they say will go to the address of the old record, which they will forward to a branch for pick-up should it be returned. The account was in the name of XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, Pa XXXX last four of thye account XXXX. I don't have the complete account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe this XXXX credit card paper statement I just received in the mail is fraudulent. I never applied, opened or maintain a XXXX credit card, especially one with a {$500.00} credit limit and 29.9 % apr. I never received a physical card just this first statement in the mail which states I opened the card on XX/XX/23. I can also see a hard inquiry on my transunion credit report on XX/XX/23. I have called the XXXX card number customer service line XXXX and XXXX XXXX XXXX which is the bank associated with the card XXXX and they both want me to confirm my social security number, address, phone number, birth date, address and account number over the phone which I am not comfortable doing just to verify my account before having them look into fraud and stolen identity. They refuse to help further despite informing them I did not open an account with XXXX and wish to have it closed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting an account on my credit report that is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX : XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00}XX/XX/XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance XXXX {$25.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} TransUnion : XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I have already tried contacting the XXXX but I can never get in contact with a live person.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I NOTICE I HAD FRAUDULENT ACCOUNT IN MY REPORT. PLEASE REMOVE THOSE ACCOUNT FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT ( XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the items several times with Equifax to no avail. The company stated that they reinvestigated, however I preceded to access my Equifax consumer report via the Equifax website and make copies of the information pertained and discovered no update. 

15 U.S.C 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency received a dispute, it shall reinvestigate free of charge, the current status of the disputed information or delete from the file within XXXX  days, beginning on the date the dispute was created unless the account is determined to be frivolous or irrelevant. 

While the correspondence that was sent by Equifax indicates the account was previously investigated, it does NOT however state whether the dispute was determine to be frivolous or irrelevant. 

It has been over XXXX  days since Equifax received my dispute and I have not received any other notices that my dispute was determined he dispute was determine to be frivolous or irrelevant and yet the items still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the above accounts and personal information from my Equifax consumer file pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion. 

Equifax has XXXX  days from the receipt of this to cure else I will be forced to immediately proceed with litigation to recover damages caused by Equifax 's willful and negligent noncompliance of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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 investigate the unverifiable items and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Checking or savings account

My bank account has been feed when my bank account is in the positive. Say I have XXXX and something comes in for XXXX and clears then the next day something will come in for XXXX they will charge me a fee for both, even though one debt from My account had the funds available. They hold all my deposits and excessive length of time. Somethings 14 days - totally ignoring Reg CC. This is not just on one account. I currently have had a hold on another account for 10 days and the check was cleared and paid to the 8 days ago. I am sick of the power abuse they use over my accounts when there is clearly money there and they have made it at time so my family has had to go with out food and gas to go to work due to their actions. I have started to move money to another bank but I still have some items that need to be paid from this account. I would like someone to audit my account XXXX and reimburse some of my fees that were taken from my account that should not have been. In addition. Who ever is the employee doing this needs to be fired. You cant just steal peoples money. The last 6 months I have had someone use all my debt cards from this bank- I have gotten to the point I understand that the fraud has to be internal within Wells Fargo XXXX I am just tired of. I can get a card and with a week there will be fraud.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> an account was opened fraudulent in my name. I didnt notice until now because its harming my credit. I got a notification that Im 60 days late on my account. And I see the account name is KIKOFF LENDING LLC I have not borrowed money or services from this company so I asked them to remove it, this is not accurate, they wanted me to pay whatever the balance off in order to remove it. Which is illegal because you can not report inaccurate information in nobodys credit report. Under the Fair reporting credit laws. So it should be removed.
Product: Debt collection

This company have negatively effected my credit with a debit that does not belong to me. It was put on my credit report XX/XX/2019. XXXX does not even offer service in the city I live in. I just dont understand how I owe and I cant even use XXXX XXXX.
Product: Credit card

There was a fraudulent purchase made on my account with XXXX XXXX and when I became aware of of it thru an email alert, I called them the same day and told them I did not authorize or purchase the item for order # XXXX and to cancel the order before it ships the representative said they would catch the order before it shipped and that I would not be responsible for the fraudulent purchase on my account, I also ask the rep to close my account " AND '' ( the other accounts associated with the account number listed herein ), as there are other accounts that use that same account number listed herein which as of this morning it is still open as I was able to get into the account with the account number after I told the rep XXXX days ago to close the account # XXXX. As of this morning it shows shipped yesterday XX/XX/year> and it was suppose to be cancelled as I did " not '' order a " XXXX inch '' XXXX XXXX. I filed a Identity Theft/fraudulent activity report as requested and faxed it to the business ( XXXX, ATTN : Credit Dept ), to no avail as of present date, XX/XX/year>, account still open and shows fraudulent order shipped yesterday by XXXX ( See attachments ) .....
Product: Credit reporting, credit repair services, or other personal consumer reports

Carmax is conducting abusive business practice by putting false information on all three of my credit report. Carmax is not taking the time to fix. For example the amount past due is for {$6500.00} when there is a last actual payment amount of {$7100.00}. Also, their math is incorrect. My monthly payments were {$400.00}. For example on the 13th month, they claimed that the balance owed was {$5400.00}, but the correct math for the alleged debt is {$5200.00}. They are also changing the dates so it shows that I have been late within the sixty days.
Product: Debt collection

I contacted the XXXX XXXX on XX/XX/XXXX regarding a collections amount of {$2800.00} that has been on my credit report since XX/XX/XXXX. They agreed to contact the collections agency ( it has been under XXXX XXXX XXXX ) and have it deleted. I contacted Experian the next day and disputed the collections item with a copy of the email sent by the hospital. They have yet to remove the item and have said they will not remove it and will not give me an explanation as to why. 
Ive worked very hard on my credit the past year, and this is the last piece of the puzzle that is holding be back from going above 700 credit score. I plan on moving in XXXX and need this negative mark removed ASAP so I am able to rent an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/2020 I mailed a letter to Experian requesting to remove all errors on my XXXX XXXX XXXX XXXX  account. 

I informed Experian that my XXXX XXXX XXXX XXXX  account is incorrectly showing 33 missed payments. I also informed Experian that my account is not past due and there are no missed payment on this account. 

I further requested that Experian correct and update the account to show current and 100 % on time payments and removed all missed payments from the account. 

It has been more than 45 days and Experian has not responded to my complaint nor removed the erroneous information within the 30 days notice as required by Federal laws
Product: Mortgage

This is the 3rd time I have made a mortgage payment and the servicer called me back to statemy payment was returned due to a bad account # and I have 2 late payments on my credit report as a result. I called and made a payment and noticed that the payment had not been removed from my checking account. I called back and spoke to someone and he noticed that it was not removed and he reran and gave me another confirmation # of XXXX XXXX. XXXX XXXX, I received a call that my payment was not received therefore I spoke to XXXX XXXX - manager and she stated she would put in for the credit corrections due to an issue with their system.
Product: Debt collection

they keep calling even after i tell them this is a business line and i am not allowed to have personal calls, they threaten me with legal action but don't explain about what nor who for.
Product: Money transfer, virtual currency, or money service

XXXX Filed disppute of {$150.00} for XXXX transaction sent to wrong individual XX/XX/XXXX Spoke to WF representative, XXXX, his response was that case is with XXXX. 
XX/XX/XXXX Spoke to WF representative, XXXX, his response, no updates from receiving bank XX/XX/XXXX Spoke to WF representative, XXXX, her response, no updates from back office but would follow up and also included AirBnB fradulant transaction. 
XXXX Spoke to WF rep, XXXX, her response was she'd send another message to back office requesting update. 
XXXX to WF rep, XXXX, her response XXXX no updates and no guarantee of a resolution. Filed copmlaint with CFPB XXXX XXXX Returned call from XXXX from WF executive office. Left voicemail. 
XXXX Spoke to XXXX again from WF executive office, her response to the complaint is that there are no funds to reverse back.