23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had no idea that there was a collection of {$25.00} against me until I attempted to apply for credit. The company informed me that XXXX   had a horrible mark against my credit because a collection agency by the name of CBE Group claimed that I never paid a {$25.00} debit. It would have been nice to have been notified by someone of what this charge was for and when it happened. This company never sent me any written notification about this issue and now XXXX has removed it from my credit report. But I have no idea what the other credit bureaus show about the CBE Group and how to get those additional agencies to remove this erroneous claim. 

My concern is that this company holds people for ransom by submitting inaccurate information to credit bureaus without the consumer being aware of it. Clearly enabling companies like CBE Group to act in this manner is no different than anyone in the world putting a mechanics lean on a home so that the title is cloudy. There needs to be some sort of proof that the company has reached out to the consumers and that the consumers clearly ignored all communication. They should also be obligated to obtain a signature of delivery of their notifications in order to file with the credit bureaus. This is not the way that companies should be allowed to do business and there need to be repercussions to organizations who file erroneous and inaccurate information about consumers. I look forward to your insight and support to stop predators like CBE Group.
Product: Vehicle loan or lease

Santander Consumer USA charges too much on my car loan and has never sent me a contract detailing the fees, though I have requested it several times. Last month I had a problem with my bank account and was late in paying my autoloan installment because of it. When I looked at my statement I saw that they applied most of my installment to interest. I called and they told me they applied most of the payment to interest because I paid late. Please refer to included statement of account. : Date Posted Effective Date Transaction Amount Balance Principal Interest Late Fees Misc. Fees XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$16000.00} ( {$240.00} ) ( {$320.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$16000.00} ( {$390.00} ) ( {$170.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$16000.00} ( {$300.00} ) ( {$260.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$17000.00} ( {$230.00} ) ( {$330.00} ) -- -- XX/XX/XXXX XX/XX/XXXX XXXX {$560.00} ) {$17000.00} ( {$300.00} ) ( {$260.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$17000.00} ( {$310.00} ) ( {$250.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$17000.00} ( {$290.00} ) ( {$270.00} ) -- -- XX/XX/XXXX XX/XX/XXXX XXXX {$560.00} ) {$18000.00} ( {$180.00} ) ( {$380.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$18000.00} ( {$390.00} ) ( {$160.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$18000.00} ( {$300.00} ) ( {$260.00} ) -- -- XXXX XXXX, XXXX XXXX XXXX, XXXX ( {$560.00} ) {$19000.00} ( {$130.00} ) ( {$420.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$19000.00} -- ( {$560.00} ) -- --
Product: Mortgage

I requested a loan amortization schedule for a fixed loan rate from my lender PNC Bank and they have denied the request. I do not understand why they will not provide this request I need to now how much is going towards interest and how much of my money is going towards principal because I have had this loan since XXXX and the original amount borrowed was {$88000.00} and the amount has not gone down by much because I owe over {$83000.00} for a loan I have had for nine years and only {$5500.00} paid down on the loan which is a 15 year loan. I am trying to pay this loan off eventually because the mortgage has a balloon attached at the end of the loan payment schedule XXXX XXXX XXXX for the total amount due of the loan {$88000.00} which is the last payment to be made if I do not pay off the loan before this date.
Product: Mortgage

In XX/XX/2018, I, XXXX XXXX XXXX, and my husband, XXXX XXXX, filed for bunkruptcy of some credit card debt incurred through XXXX XXXX 's business. 
That bankruptcy never included the XXXX & XXXX mortgages held by myself and a third party, XXXX XXXX These mortgages are for the primary residence of XXXX  XXXX, XXXX  XXXX, & XXXX XXXX. 
In XX/XX/2018, XXXX  XXXX XXXX ( holder of the 1st mortgage ) notified us that they sold that mortgage to Fay Servicing. We were paid up and current with XXXX, and going forward from XX/XX/2018 our payment were to be made to Fay Servicing. We did all that. 
Now Fy Servicing/XXXX is insisting on a duplicate payment back to them that we were never notified about and XXXX has attached themselves to our bankruptcy after-the-fact. 
On XX/XX/2018 as we filed the bankrupcy, a payment to XXXX was pending. That payment was made XX/XX/XXXX properly and on time. XXXX admits this. 

This pending payment was automatically swept up into the bankrupcy ( even though XXXX was never named in the bankrupcy ). 

Fay Servicing should remove the requested payment from the bankrupcy, and amend our mortgage payment records and all credit reporting agency records to reflect that we are current with the morgage and there was never a late or missing payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to buy a vehicle and the auto company submitted my loan application. A number of weeks later after the purchase I received a letter saying I was not approved ( I did get a loan but not thru this company ). They based it in Sage Stream LLC report. They gave me a much lower score than I had thru XXXX or XXXX. They said it was based on a number of factors : each one was excessively wrong- example : Length of residence too short- I have lived in the same home ( which I own ) for 11 years. 
Limited history for consumer at this phone : I have has the same phone number for 15 or more years, and although switched service providers that has been over a year and half ago. 
Ive read others have had similar experiences. Ive tried to call a number of times to request where they get their data from and to get a copy of my report. I have not reached them and have no reply from my voice mail left. According to their web site I would have to send personal information to them to get this report. All sounds like a scam. 
This letter talks about XXXX XXXX  from XXXX CT. It also said they could not get my XXXX  report- which I have a credit lock on it, which I removed for a day to accomplish this auto loan ( which did happen thru a different bank ) Please check out this company, and their letter, I must be some sort of scam. We all work hard to have acceptable credit and when told its half of what it is of course the urge is to respond to see what is going on.
Product: Consumer Loan

XXXX. ( d/b/a XXXX ) advertised a specific XXXX VIN # XXXX for {$33000.00} with XXXX miles, white exterior and auto transmission. I went to the dealership and agreed to purchase the vehicle for the advertised price and the dealer agreed to give me {$9000.00} as a credit for a trade-in of my XXXX. I owned my XXXX in full and I did not have a loan outstanding on it. I executed the documents to finance the vehicle. There was much confusion and I was asked to sign all the finance papers quickly with little time to review them and the entire time the finance officer kept his palm on the top half of the papers and asked me to sign the bottom of the page so that the only number that I saw when I signed the documents was {$36000.00} ( which seemed roughly correct when I calculated the {$2800.00} service contract added to the {$33000.00} purchase price ). After a few days, I realized that the dealership had changed the purchase price from the advertised price of {$33000.00} to {$42000.00} ( {$8700.00} more than I agreed to ). I called and went back to the dealership on 2 ocassions. I spoke to the manager XXXX and the finance officer. The finance officer tried to convince me that the calculations were correct and the manager XXXX stated that he could not figure out how they came to the amount. 
I called Toyota Financial Services ( lender ) and they called the dealership and as a result XXXX called me and let me know that Toyota had contacted the dealership. XXXX invited me to come in and speak to him. When I did, XXXX simple could not assist me because he could n't figure it out. The lender has informed me that their review indicates that the trade-in {$9000.00} was a " wash '' and they referred me back to the dealer. The lender should have seen that I was not given the {$9000.00} credit. The lender refuses to make the adjustment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/XXXX I had received a voice-mail from a number labeled as " Spam Risk '' by AXXXX XXXX XXXX XXXX ( XXXX ) XXXX regarding a delinquent payday loan from XXXX. The individual contacting me did not disclose their name, affiliation, or the reason behind these potential legal actions. They did leave the number ( XXXX ) XXXX. Later that day I received an alarmed phone call from my mother saying she received a similar message. 

I received another call the following morning around XXXX from a man who identified himself as a XXXX XXXX XXXX " XXXX '' or " XXXX ''. A third party collector located in Florida, XXXX. ( Extension XXXX ) During this call I agreed to XXXX installments of {$100.00}, provided a debit card to be charged ending in XXXX. 

The following day I had discussed this with a father 's friend who is a recently retired attorney and was advised to acquire verifying information and read through the FTC website. 

XX/XX/XXXX at XXXX am I had contacted the company to request a business address, email and a business license number to vet their legitimacy. I was told to contact Check n ' Go to " follow the chain of transactions '' to verify their business on my own with nothing but the last four digits of a transaction number. I had been subject to a data breach in XXXX of XXXX. So this was not concrete to me. 

XX/XX/XXXX at XXXX am I called again. I was directed to a Senior Supervisor by the name of XXXX. I was requesting a business license number and a mailing address to vet them. ( I recorded this call but only recorded my audio by mistake. ) She the stated, '' Since you're uncomfortable paying us I'm going to delete your information and we will be proceeding with the city of XXXX to send a civil officer. Then we will proceed in court. Good luck. '' She had hung up before allowing me to petition this let alone providing any information at all about their business. 

I requested information to verify the legitimacy of " XXXX '' or " XXXX '' of Florida a total number of 4 times without receiving the information that should otherwise be public. Threats to contact prior employers, neighbors and family were made over my first discussion with XXXX XXXX. The company made contact with my relatives through procedurally generated numbers and disclosed to them that I am in legal turmoil. I believe this debt had been expunged or exceeds the statute of limitations within the state of California. I expressed emotional duress and was given little to no time to negotiate or vet this business. I also have a saved copy of the mentioned voice mail as well as a one way recording of my final discussion with this collector.
Product: Credit reporting or other personal consumer reports

I purchased an item from a company that went out of business and did not recieve my item. I completed payments on my XXXX loan on XX/XX/XXXX. 

XXXX first claimed they couldn't help me because I was outside of the 60 day resolution window and I would have to contact the merchant. The merchant is closed. They reopened the case. I provided proof of purchase and proof of business closure. 

I disputed the XXXX payments with my bank, who ruled in my favor since the company had closed, I didn't get my item, and XXXX was non-responsive. I was credited that money back. 

I am now receiving repeated contact from XXXX falsely stating that my loan has fallen into delinquency and will be reported to the credit bureaus as unpaid while my case is still under investigation. I was previously advised by XXXX to NOT make any payments while my case was being investigated. 

I have filed a dispute with Experian because Affirm is reporting a non-payment, even though I did not receive the item I financed. 

I called them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and informed them that if they kept emailing, texting, and calling to collect while my case was in dispute and under investigation that I would report them to CFPB for false reports and continued harassment. They are continuing to contact me. I have emails and texts dating XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with XXXX, XXXX, and Experian multiple times, yet the errors persist and have not been resolved. Despite my efforts to correct the information, the credit bureaus have failed to take the necessary actions. 

15 USC 1681i ( a ) ( 1 ) : This challenges the failure to properly investigate the dispute within the required 30-day period. The credit bureaus did not complete a timely and thorough investigation.

15 USC 1681e ( b ) : This challenges the credit bureaus ' failure to maintain and report accurate information, as the disputed account remains incorrectly reported, which violates the accuracy requirements under the FCRA.

15 USC 1681i ( a ) ( 6 ) ( A ) : This challenges the failure to provide the required documentation or findings from the investigation, leaving my disputes unresolved and continuing to report inaccurate information.
Product: Debt collection

Received a phone call from XXXX XXXX XXXX XXXX, stating that they were attempting to collect a debt from Wachovia Bank, now Wells Fargo. The person on the line knew everything about me : my full name, birth date, social security number, current and former addresses, my correct former Wachovia Bank account number, and the full story of exactly what happened over 10 years ago with my Wachovia Bank account. They offered to settle my debt of {$820.00} for a lower amount of {$570.00}. I had no other choice, because I knew I had this debt to Wachovia Bank, now Wells Fargo, and they threatened to report me to several credit bureaus and something called " XXXX XXXX '' that would apparently put a hold on all my bank accounts and cards. I obliged, and payed them the amount of {$570.00}. The individual on the phone identified herself as XXXX XXXX, and gave me a call-back number of XXXX and stated that I would receive a letter of absolvement. It has been over two weeks, and I never received my letter, so I attempted to call the phone number, and it appears to be a bad phone number. Also, the website for XXXX XXXX XXXX XXXX states their address as XXXX XXXX XXXX XXXX  XXXX, XXXX, DE XXXX, which on XXXX street view, doesn't appear to exist. In addition, the company through which I paid was called XXXX XXXX XXXX. Their phone number is XXXX, which also appears to be a bad number, and their address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX is a place where one can rent a single office in a larger office building, so this is also suspect. I believe I was scammed into paying this money fraudulently. Also, I am very concerned with the amount of personal information this individual had. I hope something can come from this. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are incorrectly reporting me as an Authorized User on XXXX - account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 ) bureaus to fix this issue. This negative reporting is harming my credit score. Please remove this line item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This investigation is not right it has to violate some type of law. They have disregarded a police report that was sent out to them. They are not following human law. They are completely not caring or giving any insight into how it is even possible for this account to be on my report. This account is not right. I HAVE DISPUTED THIS ACCOUNT MORE THEN THREE TIMES WITH A POLICE REPORT THEY TOLD ME THAT THE ACCOUNT WOULD BE REMOVED BUT THEY NEVER EVER REMOVED IT. Its been more then to long for a fraudulent account to be on my report. If I dispute account as fraud it should be removed then a reinvestigation should take place. This is totally wrong why are y'all doing this to a loyal client it is FRAUD it is FRAUD it is FRAUD. I have attached a police report for the 4th Time this is not my account. Proof of my id & police report attached.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution processs was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I submitted my refund for student loans in XX/XX/XXXX with Aidvantage. The customer service told me that my loans would be reopened in 30 days and my refund would be in my account in XXXX weeks. I called them back and they confirmed my refund is being processed but it XXXX be another XXXX weeks from today XX/XX/XXXX before I will receive my refund. There is no clear answer to when my loans will be reopened and now the timeline just doubled when I have already been waiting XXXX weeks. All of my refund had been paid in the XXXX XXXX refund timeline. I want a refund electronically exactly how I paid them. I am disappointed in the constant misinformation and prolonging timelines.
Product: Bank account or service

On XX/XX/2016, I applied for a Citibank Gitigold Interest Checking Account with a XXXX promotional offer ( XXXX ). The offer was sent to a friend - not to me. I mentioned that detail to the account representative at the time that I opened the account and was told that I still qualified for the offer. I completed the promotional requirements by XX/XX/XXXX and waited 90 days for the points to post. When the points did not appear in my account, I sent a message to Citibank to confirm that I would be receiving the points. Citibank opened an investigation and determined that there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of my account. On XX/XX/XXXX, I contacted their customer service department and spoke to a representative who told me the same thing. 

I understand that Citibank wants to limit promotional offers to targeted customers, but when I mentioned that I did not directly receive the promotional offer at the time I opened the account, I was not informed that I did n't qualify. Further, I did not receive any disclosure in the account opening documents or over the phone that indicated that certain individuals could not qualify for the offer.
Product: Debt collection

XXXX  I was quoted {$25000.00} to paint my house and after saying no, they changed the amount to {$22000.00} and then changed the amount to {$11000.00}. 
XXXXXXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ( XXXX ) is the company that made the quotes and keeps changing the quote amount to paint the house. 
I was originally told that this was a government rebate loan and that the government would repay the loan to the construction company. I inquired how this loan would be repaid and on another call, I was told that the government would pay {$10000.00} and I would pay {$11000.00}. 

At this point I have no idea how much I owe on this loan and the loan company : Upgrade Financial Services says that I am behind {$11000.00} since XX/XX/year>. This was done via text message and no formal documentation has been sent to me regarding this loan or the amount I owe. 
I tried to cancel the project, but they brought in more workers to rush and finish the job. 

I asked how do I pay the principal down and I was told I had to pay the interest first. I was told it would take 180 months at $ XXXX to pay this loan off. 

I am XXXX XXXX XXXX and am a XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  Account Number : [ XXXX Reason : [ NEED IT REMOVED HAVE NO CLUE OF THIS ITEM. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Product: Debt collection

I missed one payment even though I had attempted to pay the balance in full the payment in question sadly got declined since that day Ive received a call every day at XXXX XXXX sharp leaving me a voicemail XXXX through XXXX
Product: Checking or savings account

My account was restricted and claim a sender of {$350.00} on XX/XX/year> and was refunded on XX/XX/year> sent a dispute claim and later was refunded since then I cant access my balance and withdraw from the account. Few days after I got an email that says my account will be closed and my balance will be transferred into my external account now it almost a week they didnt nothing about it yet. I called yesterday they said they will send me check of my remaining balance. How long does it take to got the check they wont answer.