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

I received a mailer from open road lending  on XX/XX/2018 that says they will lower my interest rate from 6.9 % to 3.5 % on my auto loan. It says my eligibility criteria is because i have good credit. I filled out the online form on XX/XX/2018 and got a text saying I was pre approved within a few minutes. 

When I called they ran my credit to several lenders and told be my rate would be 7.14 % which is higher than my current rate. Now my credit will take a hit due to the inquiries and I have the same loan. Their advertisement is misleading and I feel this is a bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

8-10 months I have been disputing errors on my credit report with all three bureaus and Original credit and none of the accounts have been investigated since they all show account not disputed as if everything has fallen on deaf ears and pushed to the side with XXXX, Transunion, and XXXX. The bureaus have not provided me with very important documents after several requests and methods of verification including validations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the late payments still showing on my credit report from MACYS/DSNB. I believe the credit was they citibank at the time the servicing errors were made but it is showing dsnb on the report. XX/XX/2017, XX/XX/2017, and XX/XX/2017 late payments currently showing on credit reports needs corrected and removed. I am also currently impacted by covid19. This is old debt and is no longer collectible due to the statute of limitations. Also the amounts were wrong and inflated. I tried for several months at the time to correct this with the phone team. However they got real mean and refused offer a remedy to the situation. Placing me on long holds and even shouting at me when they asked my political affiliation and I mentioned trump. They really got malicious with the hold time and then sabotaged the account with fees. The fair debt collection practices act was not followed at all. It is shameful the XXXX year olds who work in these call centers. They are all so XXXX  and XXXX, totally inept. Please remove all derogatory reporting for all credit reports and mail me a letter confirming this as well. Please remove all the late payments that were reported. Do this for XXXX, XXXX  and transunion. I recorded some calls for court and saved all the documents. Please do the above in a timely fashion to avoid civil lawsuits. XX/XX/2017, XX/XX/2017, and XX/XX/2017 late payments currently showing on credit reports needs corrected and removed.
Product: Debt collection

There was a medical collection placed on my report from ARS Account Resolution. When trying to verify the debt and ask for a letter to be sent to me so I can settle it through my insurance company, I was hung up on. I called back and was hung up on again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, I went to XXXX of XXXX ( XXXX XXXX ) to get a loan for a used car. I talked to a salesman because I already knew the car I wanted ( I went the day before that and already saw the car ). When I test drove the car and decided on the price and the monthly payment before he pulled my credit I clearly told him that I 've read that sometimes when you shop for a car the dealership pulls your credit and it can create multiple hard inquiries on your credit report and these could be in the report for up to 2 years. He assured me that they do n't have such practices. He went and came back with my credit score which was XXXX. It went well afterwards because they were able to stay within my range of payment. I went to see the financial guy and asked the same questions about the possibility of hard inquiries and he told me and assure me that they do not operate like that. I did believe them and after 2 hours of transaction and a interest rate of 6 % I drove with my new possession. On Tuesday, I received an alert on my XXXX XXXX stating that I had something in my credit report that needed my immediate attention. It turned out that the dealer made XXXX hard inquiries on my credit. Of course I tried to call them after that and after so many unsuccessful attempts to reach somebody who could explain this situation, I finally decided to go and talk to the manager. He did not care much about me or what I had to say to him. He barely paid attention to what I was trying to explain and my confusion. he vaguely told me that he would try to " find out what happened '' and he was done! Since I was outside in the dealership parking lot he decided to come back to me and explain that he just saw the report and that they did all those inquiries because 3 of the bank did not want to finance. My question is : how about the other 5. The dealer and the financial guy were nowhere to be found. That is how I talked to CFPB to see what were my options. I would like to confront them and have only hit on my credit. I just made a home purchase and had XXXX hard inquiries. XXXX is abnormal to me and what is frustrating is the lies and the disrespectful way of dealing with consumers. I work hard for my credit and believe that I was treated poorly. They made all those hard inquiries in 1 day so I it should be counted as one hard hit and not XXXX. Thanks for your time
Product: Mortgage

I received a letter form the mortgage company denying mortgage assistance, I have filed a chapter XXXX bankruptcy and is unable to keep making chapter XXXX payments in order to keep my home, the letter is dated XXXX XXXX denying me mortgage assistance, they have stated the reason for the denial is due to my getting several modifications and have reach my limit, that statement is not true. I only remember receiving XXXX modification. I have applied for help from XXXX and based on the Government guideline of eminent Default criteria, we qualify, my husband and myself are both XXXX, my husband  has had XXXX XXXX, in the past 10 years and now he is XXXX XXXX, I have XXXX and XXXX and XXXX problems, and is also XXXX XXXX. Please help us keep our home, we no we owe the debt so we are just trying to get a modification because now our income is stable, and we just need to get our mortgage modified, the company is discriminating against us. Life happens and we need your help to help us uphold the law that states we qualify, we could not help our currant situation the dollar amount of the back pay is $ 67,853.42.Thank you XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Money transfer, virtual currency, or money service

On the morning of XX/XX/24, we tried to have money wired from Citibank to an attorney 's office for closing on a house. Why had originally planned to use another institution for this, due to Citibank 's reputation, however the night before, without notification, Citibank chose to invalidate a check to our other bank, hours before it would have cleared, despite having had six days to process it. No explanation was ever given as to why Citibank clawed back these funds from our other bank account. The amount of money we needed to transfer was in excess of the {$50000.00} wire limit and when we called to try to bypass this limit we were told that the only way to do so would be to upgrade our account to one with a higher minimum balance requirement. We were, however, assured that the transfer would be completed by XXXX XXXX  that day if we did so. This is still an excessive amount of time for a wire transfer, considering that just that morning XXXX XXXX had been able to do a wire in under an hour. 

When we subsequently called to try to check on the status of the transfer, we were told that it would take " four to eight hours '' ( later we were told 24-48 hours, which is probably what was meant originally, but the call center in XXXX had XXXX call quality ) and there was no way to speed this up whatsoever. We were given no explanation as to why an alternative timeline way given. Upon escalating the call we were told they would prioritize our transfer but still given the same timeline and no explanation as to why the timeline had changed. The Citibank representatives suggested we could use a check, XXXX, or ACH transfer to move the money sooner, which is not how closing on a house works in the US, though I do have sympathy as the laws and customs are likely different in XXXX, where the representatives live. 

We are writing this more than 24 business hours later ( plus a weekend ) and the prioritization seems to likely have been a lie as the funds are still in the " pending '' stage, apparently not having even begun processing.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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 XXXXXX/XX/XXXX
Product: Debt collection

This company keeps sending letters to my house and calling me before XXXX and after XXXX stating that I owe money due to non payment from progressive however, on numerous occasions I 've sent letters and disputed this information from my file because everytime I ask that they validate this debt they ca n't provide me with sufficient answers. They are very rude, and have been threatening me with lawsuits. I know that this company has insufficient proof to report on my credit report. I have not received any documentation on the debt validating that is in fact mine he told me he could not provide me with those documents because he was n't in control and I had to speak with the company who referred me to them. When I called the company they told me I had to deal with Caine and wiener in which I call everyday to try and get this account removed from my credit report. I believe that Caine and wiener are now in violation of the FDCPA for not complying with my request to verify debt and upon receipt I want this account immediately removed from my credit report. This company uses fraudulent practices to try and intimidate people to pay these non existing debts.
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : PNC BANK XXXX XX/XX/XXXX {$150.00} XXXX OF XXXX XXXX XX/XX/XXXX XXXX FUNDING XXXX XX/XX/XXXX {$820.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$890.00}
Product: Checking or savings account

I bank with chase about 2 months ago my account was compromise the bank failed To contact Me they let somebody go in the bank and put a {$900.00} check in never detected it was fraud as result of that they closed down my college Account due to them not doing there job to protect my account and they failed to give me back my college account when costing down the old account so now have to pay {$12.00} maintenance Fees which I feel its not fear since they didnt protect my account. I think I should have got another college account because thats what I had before my account was compromised its not fear to have someone have to pay {$12.00} a month when I was paying {$6.00} a month I feel that I was done wrong they never protect my account they let someone go in the branch and put a {$900.00} check in. Never ever said nothing only way known was checking the account
Product: Credit card or prepaid card

I bought a netspend prepaid rechargeable card so my relatinves could spend on the XXXX XXXX on a XXXX of XXXX weekend. Following advice at the local representatives in the XXXX, Florida - XXXX location paid in cash. 

After being denied activation of the card as my relative was not American I did the activation, however, they still denied both the activation, use of funds or refund the resources paid for said card. ( photos of said card attached ) I have spent a total of 4 hours over the last month talking to Netspend representatives ( phone records attached ), I call once a week, I pass the tests, and the security questions, and give them my SSN, but still, they refuse to send me my money back. They update my address telling me to wait a week for a letter- which never arrives. 

They refuse to give me any kind of case or phone call record and they also refuse to give me the funds back in any other way. As more weeks pass I know I will be reaching the max limit for non-used account cancellation. This shows the bad faith of this company first non disclosing they will not activate the accounts for anyone and second refusing to return the funds they have under my name.
Product: Checking or savings account

On XXXX XXXXXX/XX/2023 I deposited a check in the amount of {$10000.00} into my checking account. Prior to me depositing the check my account my was free to use and funds were available. After I deposited the check and the check cleared my account was locked and am to this day unable to access my funds. I checked with the person that issued the check, and the check has cleared her account. She has also written checks to other people that bank st M & T and there was no issue with their account and/or funds. I've been trying to get this matter resolved since XX/XX/2023 and have been told that only XXXX from the fraud department at M & T Bank can resolve the issue, but I have yet to hear from despite numerous phone calls and visits to M & T Bank. It is illegal to hold a persons funds without proper notification, and no one has been able to tell me why my account is locked. I feel like I'm being discriminated. At this point several of my bills are overdue and this has put me in financial hardship. I need this resolved ASAP.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute several inaccuracies in my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ]. The information listed below is incorrect and must be investigated, corrected, or deleted immediately as required by law. 

XXXX XXXX XXXX XXXX XXXX. Account Status Discrepancy XXXX & XXXX : Reports account as " Closed '' XXXX : Reports account as " Open '' Dispute Reason : This inconsistency violates FCRA 1681e ( b ), which mandates accurate reporting. If two bureaus are reporting the account as closed, the third should not list it as open. Please correct or delete the erroneous information. 

2. Payment Status Discrepancy XXXX XXXX XXXX : Reports " Late 120 Days '' XXXX : Reports " Foreclosure '' Dispute Reason : This is a significant factual inaccuracy. The payment status can not be both " Late 120 Days '' and " Foreclosure '' simultaneously. This misrepresentation negatively impacts my creditworthiness and must be corrected per FCRA 1681i ( a ). 

3. Creditor Type Discrepancy XXXX XXXX XXXX : Reports " Miscellaneous Government '' XXXX : Reports " State '' Dispute Reason : The reporting of different creditor types across the bureaus is misleading. Under FCRA 1681e ( b ), only accurate and consistent data should be reported. Please correct this discrepancy. 

4. Last Payment Date Discrepancy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reports " XX/XX/2022 '' Dispute Reason : The last payment date must be uniform across all three bureaus. The inconsistency violates FCRA 1681s-2 ( a ), which requires furnishers to provide accurate data. 

5. Creditor Remarks Discrepancy XXXX : Reports " Foreclosure redeemed '' XXXX : Reports " Credit grantor reclaimed collateral to settle defaulted mortgage. '' XXXX : Reports " Real Estate Mortgage '' Dispute Reason : The explanation regarding foreclosure should be clear and consistent across all bureaus. These conflicting statements cause confusion and require immediate correction per FCRA 1681i. 

Given these discrepancies, I demand : A thorough investigation into these inaccuracies. 

Immediate correction or deletion of all incorrect information. 

A corrected copy of my credit report upon completion of your investigation.

Notification of corrections to any party that has accessed my report within the last six months ( per FCRA 1681i ( d ) ).

If the disputed information can not be verified, I expect it to be removed from my credit report under FCRA 1681i ( a ) ( 5 ). Please provide me with a written response within 30 days as required by law. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit card

I have called Capital One asking for an APR interest rate reduction and they have stated that my current rate at 20.9 % is the lowest rate. However the Capital One APR range shows as 12.9 % -22.9 % variable APR. I have other credit cards at 13.99 % rate. I am submitting a complaint because no one at Capital One seems to understand the lower APR due to the law.
Product: Money transfer, virtual currency, or money service

CashApp is the company that I am having a problem with I purchase a purchase using CashApp on XX/XX/2019. CashApp was refunded the money according to seller Sometimes the beginning of XX/XX/2019. I sent purse back to seller through mail on XX/XX/2019, seller confirmed receiving purse. I have text messages to prove that seller return the money and received purse. I have contacted CashApp via email many times on XX/XX/XXXX,XX/XX/XXXX,XX/XX/2019 and XX/XX/2019 and I have had no reply. I would like them to return my money of XXXX
Product: Credit reporting or other personal consumer reports

on XXXX XXXX it's been 60 days and they haven't responded, this affects accordind to the law section 611 they must remove evrything that is not verified from my credit and i am a victim of XXXX  data breach XXXX on XX/XX/year> i sent a letter regarding inaccurate and unknown things on my report its been mor than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed. from my report as per FCRA section 611A. 
I surely was a victim of the XXXX date breach.
Product: Credit card

I was offered no interest for balance transfers till XXXX/XXXX/XXXX, made large payment for the regular balance that carries interest, payments on XXXX & XXXX XXXX were allocated patially to the regular bearing interest, and as well to the balance transfer portion. nowhere was stated that payments will be allocated to that portion, as a matter of fact the law is that it should be allocated to the high interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Vehicle loan or lease

This complaint is with HONDA FINANCIAL SERVICES AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX ON XX/XX/2020 I RETURNED A END OF LEASE XXXX XXXX  TO XXXX XXXX IN XXXX XXXX XXXX NJ. IN TURN, LEASED ANOTHER CAR THROUGH THEM ( A XXXX XXXX ). 

XXXX  XXXX NEVER PAID OFF MY PREVIOUS CAR UNTIL ALMOST 3 MONTHS AFTER THE FACT, THE CAR WAS NEVER PAID OFF UNTIL XX/XX/2020. I CALLED THEM MULTIPLE TIMES BECAUSE I COULD SEE ON MY ONLINE ACCOUNT THAT THE PREVIOUS CAR WAS " LATE '' AND NEVER PAID OFF .MONTH AFTER MONTH, HONDA FINANCIAL CONTINUED TO MAKE HARRASSING PHONE CALLS STATING MY ACCOUNT WAS LATE FOR A CAR I DIDNT EVEN HAVE. 

MY CREDIT WITH ALL 3 AGENCIES IS NOW MESSED UP AND IS SHOWING NEGATIVE ON MY REPORTS. I HAVE CONTACTED BOTH COMPANIES SINCE XXXX AND CONTINUED TO DO SO MULTIPLE TIMES TO DISCUSS THIS ISSUE. XXXX XXXX SAYS THEY ARE SORRY FOR THE CONFUSION AND THAT THEY SENT THE PAY OFF CHECK IN A TIMELY MANNER AND HONDA FINANCIAL IS DENYING THAT THEY RECEIVED IT. HONDA FINANCIAL SERVICES SAYS THEY ARE UNABLE TO HELP ME BEING THAT XXXX XXXX PAID THE CAR OFF 3 MONTHS LATE. HONDA FINANCIAL REFUSES TO REMOVE THIS FROM MY CREDIT REPORT. I HAVE DISPUTED THIS MULTIPLE TIMES WITH NO SUCCESS, I FEEL THAT I SHOULD NOT BE HELP RESPONSIBLE FOR THIS. I HAVE NEVER PAID MY CAR PAYMENT LATE, EVER, NOT ONE TIME. THIS IS UNFAIR AND I DESERVE TO HAVE THIS NEGATIVE REMARK REMOVED FROM MY CREDIT.
Product: Mortgage

I purchased a home appoximately 9 months ago with less than 20 % as a down payment, so private mortgage insurance ( PMI ) was included on our monthly bill. Our loan was purchased by Chase mortgage, and is invested by XXXX XXXX. We now have the funds to pay off the loan-to-value ratio to less than 80 % which should result in PMI termination per the Homeowners Protection Act ( HPA ). However, Chase Mortgage via XXXX XXXX has imposed " seasoning '' requirements which don't allow PMI to be cancelled during the first 24 months of mortgage unless significant home improvement projects have been undertaken and the new value of the home assessed via BPO. I don't believe this " seasoning '' mandate to be in allignment with the HPA. I have called Chase Mortgage multiple times, and filed a dispute which was sent to an escalation manager. However, I was told that XXXX XXXX is the party that sets the PMI removal regulations and that Chase Mortgage could not assist me in removing PMI unless home improvements were undertaken. Per the HPA, these " seasoning '' requirements seem to be at odds with current legislation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I've called the credit company because I didn't apply for credit now I've owed 2 accounts without knowing what is going on.
Product: Debt collection

Navient is calling my mom at her work. Navient is calling my XXXX  and my XXXX XXXX XXXX ... and we do n't even share the same surname. I 'm not sure how or why they 're going after my XXXX  and XXXX XXXX.
Navient calls my work as well after I have asked them in writing to stop contacting me on a daily basis and to please contact me only by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I log on to my Transunion account and try to do a dispute on some accounts on there, when I go to submit the dispute it says the items im trying to dispute are n't on my credit report. I am unsure of what 's going on because if its not on my report then why am I seeing it.