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

I recently moved to XXXX and began the process of registering and titling my XXXX XXXX XXXX in the district. When I updated my information with Honda, they informed me that I would be responsible for paying the vehicle tax on my monthly lease payments ( 10 %, about {$30.00} a month ) However, I already paid tax on my vehicle in XXXX, which was capitalized on to my total lease cost when I purchased the vehicle ( about {$900.00}. ) XXXX provides for an exemption from excise tax for rented or leased vehicles ( # 7 under list of exemptions, which I will attach to this complaint ), as well as for vehicles moving to XXXX previously titled or registered in another state ( # 9 on list. ) I called Honda and spoke to a representative, who told me I could claim a refund from XXXX. After being unable to find that information and consulting with others who moved from XXXX  to XXXX, I called Honda back and requested they research it. The customer service representative told me I was unable to talk directly to the office that deals with tax amounts, but that she would relay my request. She called back the next week and told me that since XXXX does not provide reciprocity, I am basically out of luck.

Since I am covered on this list of XXXX exemptions, this is not correct. I am happy to pay the difference between the XXXX  and the XXXX  tax, or to receive a prorated refund of my XXXX tax, but I should not be responsible for continuing to pay sales and use tax in XXXX while my vehicle is titled, registered and garaged in XXXX.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noticed I had quite a few unauthorized inquiries. The following companies below XXXX is showing the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not grant authorization for any of these companies to make an inquiry and view my credit report.

This is a severe infringement of my privacy rights and a violation of Fair Credit Reporting Act Section 1681b ( c ).
Product: Debt collection

I purchased a mattress from XXXX in XX/XX/XXXX for {$980.00}. I paid the balance off in full when I received the bill from XXXX. I never again used the XXXX XXXX MasterCard and called the XXXX credit card department to close the account on XX/XX/XXXX at XXXX XXXX. I was never made aware during that phone call with XXXX that the credit card had any current unpaid balance. I received a letter from Midland Credit Management this week that said my XXXX MasterCard was charged off with a current balance of {$1500.00}. I never received a single phone from XXXX or XXXX to notify me of three separate fraudulent charges on my credit card. Midland Credit told me today when I called them that my card was used fraudulently three times in XXXX XXXX, MO in early XX/XX/XXXX. I live in Virginia and have never stepped foot in the state of Missouri. I used my XXXX MasterCard once to purchase my mattress. Midland Credit advised me today that once my XXXX XXXX Mastercard was charged off and closed that it would not show up on my credit report. XXXX at Midland Credit told me it was the policy at XXXX to wipe it off my credit report when the credit card account is charged off and closed. I have my XXXX phone records and bank statements to verify that I was never is XXXX  XXXX, MO. XXXX, XXXX and Midland Credit Management are attempting debt collection on fraudulent charges.
Product: Debt collection

I still continue to receive repeatedly phone call all through the day from WELLS FARGO - ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX
Product: Bank account or service

I saw that there was a fee charged to my bank account out of nowhere for {$120.00} in processing for a Levy Order I was not told about. Originally I thought it was an unauthorized debit and I was going to have to change banks. I spoke to the department who handled court orders. They said they collected {$0.00} but charged me {$120.00} processing fee which was nowhere in the fee disclosure I received when opening the account. The account with the Franchise Tax Board has a payment arrangement to be cleared in XXXX 2016 that is standing on the system. When I requested the fee be reversed they refused stating that I need a letter from the Franchise Tax Board. When I called the Franchise Tax Board they said they do not call nor provide letters for errors when it comes to bank levy 's. I called the same department back and they refused again and said they get calls and letters everyday from the same department whose number they gave me.
Product: Vehicle loan or lease

I contacted Bridgecrest about my payments being applied in a misappropriate manner. Bridgecrest does not apply any overpayment money to the principal balance. My vehicle loan is less than {$490.00} / month. I typically pay {$700.00} and want the remaining {$200.00} to go to the principal balance. The automatic payment system makes this impossible. I have to contact an employee at Bridgecrest to have the {$200.00} go toward the balance. I was informed that this was because " ... if I ever missed a payment. '' I believe Bridgecrest is mishandling payments and causing me to pay additional interest on my vehicle loan. I was able to get Bridgecrest to apply 6 months of the {$200.00} to the loan principal balance, but they can not apply any payments over 6 months to the principal balance according to Bridgecrest.
Product: Credit card or prepaid card

1-  I made a {$1000.00} payment on XXXX and told the rep do to my XXXX  this payment is for XXXX and XXXX So XXXX comes citi keep hurass me by constantly Collings me I call back They failed to apply the {$1000.00} payment for XXXX Charged me late fee Made my account as delinquent Why Citi is a crock cheat fraud ripoff bank I will fight you and wont let you getaway Wake up 45 is gone Ripoff errs is over
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that XXXX, TransUnion and XXXX XXXX XXXX were reporting incorrect information on my consumer reports. I then investigated the accounts to see when they were opened and how they were used. I came to the conclusion that my information was used fraudulently to open and misuse accounts that I had no knowledge of. I contacted the entity who allowed the account or credit line to be opened and informed them of the fraudulent activity. I then wrote three letters to each furnishing company that was reporting the information ( XXXX, TransUnion and XXXX XXXX ). I wrote a dispute on XX/XX/XXXX, requesting proof of how these accounts were opened and asking that all the information be changed to show accurate information. I then wrote another letter on XX/XX/XXXX, because I had heard no correspondence in regards to my concern of the inaccurate information shown on my consumer reports and asked that they be investigated and deleted if not deemed accurate or correct. I proceeded to call the companies on XX/XX/XXXX, to make a over the phone dispute of the inaccurate and fraudulent activity that had been placed on my report and still received any response. After a week on XX/XX/XXXX, I sent a cease and desist letter to the three companies mentioned to permanently erase the inaccurate and fraudulent information. Under the Fair Credit Act, these companies have not investigated and provided proof of accurate or correct information on my consumer reports which is stopping me to handle legal and personal business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX yesterday about an account that was opened in XX/XX/XXXX and closed in XX/XX/XXXX. They continue to report late payments even though the card is paid in full and closed. 

This last time they reported 120 day late payments every month from XXXX. This is having a substantial and negative impact on my credit score. 

I have spent 3 years trying to resolve these issues. They continue to report as if my card were open and I am making late payments. 

I asked them to look into this account and why it is reporting late and they say the can not find the account and that there is nothing they can do. 

The told me that all I can do is dispute it with TranUnion. 

I told them that they are reporting it to TransUnion so they need to fix the problem and stop reporting late payments. They refuse and they will not take responsibility for their problem and fix it. 

Please help me resolve this issue so XXXX XXXX doesn't continue to report late payments on an account that was paid in full and closed more than 10 years ago. 

Thank you!
Product: Consumer Loan

Back in XXXX I purchased a vehicle, XXXX ; My financing at that time was with a local financing company. After having the vehicle for about 3 to 4 months, I received a correspondence that Capital One was now the lien holder of my auto loan. I began making payments through the new account online through Capital One 's website. My auto loan payment was roughly $ XXXX. After my account was switched over to Capital One, I started receiving calls about late payments, additional fees, and also that my car payments were now $ XXXX. I had to make these disputes each month and still never received a resolution even having all of my original bill of sale documents. In XX/XX/XXXX, I traded in the XXXX for the vehicle I currently have now and have not heard anything from Capital One. Several months later, about XX/XX/XXXX and XX/XX/XXXX, I had my credit checked and found that Capital One was reporting this auto account as severely delinquent. I went through the process of contacting them as well as making disputes with the credit bureaus in regards to this account and did not receive any information as to how to resolve these errors. One instance when I called Capital One, I spoke to 5 different people, and each gave a different story, however no one has ever sent me any information to validate this account. I have been reaching out to them and to the credit bureaus for over 2 years now, writing letter after letter of disputes, deletions, and even letters of validation and to no avail, I do not receive anything in return. My last round of correspondences that I sent out again to Capital One and to the credit bureaus was in XXXX and I have yet to receive a response again. I 've exhausted going through credit resolution services, etc. trying to get this account removed from my credit report as it is being reported inaccurately. The car was originally purchased for about {$12000.00} and Capital One is reporting this car now as a Charge Off/Repossession for {$10000.00} as of my current credit report that was pulled on XX/XX/XXXX. Whether the car was traded in for the full balance owed and then resold, I am not obligated to this debt any longer as the car is not in my possession and was transferred correctly. I am at my wits end as these errors have negatively impacted my credit abilities for several years and I do n't know what else to do in resolving this situation. I do n't believe that it is fair to me to have to make a possible settlement on a debt that I 'm not responsible for and would like if this account is removed in its entirety from my credit reporting
Product: Debt collection

I feel very targeted, Back in XXXX 2020 when we were in both a national and global pandemic, I did just inform the collector that I was just getting back to work after being followed and trying to catch up on my past bills and that I needed a bit more time to settle into a payment plan, even though we were in the height of the pandemic. Shortly after I lost my job in XXXX XXXX, I know the courts were not operating in 2020. After I explained to the agent this, this was the last time I recall hearing back, then the company pursued to filed false documents stating that they tried to serve me with papers, but the papers this company filed were falsified, and I was never served, nor did I receive any notice that I was due in court, so how did I receive a notice stating that the judgment was ruled in favor of the plaintiff, I did not receive due process.
Product: Checking or savings account

I ordered a bill payment from my checking account. XXXX indicated that the payments was made electronically on XXXX XXXX, transaction ID XXXX. The merchant, XXXX XXXX, says no payment was received and that it does not even accept electronic payments. There is no way to contact XXXX. The only contact on the website is a chat ( which is virtual anyway ), https : XXXX, and it returns a XXXX error. Can a bank really have no way to communicate with it, and that's OK with regulators? Good to know.
Product: Mortgage

We are officially disputing the amount that you claim is owed. We vehemently declare that your claim is totally inaccurate. 

As stated on the enclosed letters, we were provided with three servicers within the short period of nine months, clearly contributing to the miscalculation and error of figures on your part. We strongly suggest that you review our account records with all three of our recent servicers. 

After completion of your thorough review of our loan account since XX/XX/2006, please send us verifiable proof of the loan amount owed, as well as our signed copy of Regulation X.
Product: Debt collection

XXXX is reporting negatve information on my credit report & I 've asked them to pleas eprovide verification that this account belongs to me. They ignored every request sent submitted. I first disputed the account with all XXXX credit reporting agencies. They reported it verified. I then sent requests in directly to them & they have ignored all my requests. The last letter submitted was dated XXXX/XXXX/2016. At this point this company is violating the FDCPA & FCRA. I would like the information removed immediately.
Product: Credit card or prepaid card

I had ordered an XXXX backup battery from XXXX XXXX. They sent an email saying it was out of stock with no date to ship. I called XXXX, they had no idea when it would be shipped and I canceled the order and ordered from a different company. The battery arrived in two days and I installed it. A battery arrived from XXXX in three more days. I called XXXX back and was told I could return it but they gave me no XXXX. I disputed the purchase with XXXX who Investigated (? ) it and said I had to accept the transaction. At that point I closed my account with XXXX that was XX/XX/XXXX. I called XXXX back to find out why XXXX contacted XXXX on XX/XX/XXXX and again on XX/XX/XXXX and they told me the account was frozen because I still owed the {$55.00} from purchasing the XXXX battery. I contacted my bank who sent XXXX a 'proof of proof of payment ' letter on XX/XX/XXXX. Apparently my XXXX account has been unfrozen because XXXX accepted a charge from XXXX on XX/XX/XXXX for {$120.00}. 
How do I close this account???
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report last year in XX/XX/XXXX and I seen this credit card account listed. I have reached out multiple times asking for validation of the account. have no knowledge of this account and wanted to make sure that it is an accurate reporting account. The account is being listed by XXXX/XXXX  account number XXXX showing the date opened as XX/XX/XXXX. I'm not sure when it posted a s a charge off on my credit profile but the most recent dispute I sent in has now affected my score and it is showing a late payment. A charge off account can not reflect a late payment because it is no longer active. I have sent multiple letters for validity only to receive a letter back stating it is accurate. I have reached out to the creditor themselves only to be told they have no proof of this account. I am including pictures of my certified mail receipts as well the letters I've sent in requesting proof of the account from XXXX, Transunion, and XXXX. This should be considered fraudulent if no one can provide the information I'm requesting to verify the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed credit results on Equifax. They have refused to send me my dispute results. I have called multiple times and been told various stories. By law I should have gotten my results within 60 days. It has been over 8 months and I still do not know my results. When I call I speak to people that are unaccommodating, with heavy accents. I have found that majority of the managers and representatives have improperly recorded my previous conversations, so I have to start from scratch with each conversation. I want my results asap. No more excuses blaming the United States  Post Office ( w hich has consistently mailed me my   XXXX    &    XXXX    results ) for their shortcomings. I WANT MY REPORT MAILED TO ME NOW!
Product: Credit reporting or other personal consumer reports

Experians Non-Compliance with FCRA and Failure to Properly Investigate Disputes Complaint Details : I am filing this complaint regarding Experians repeated failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of information.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to properly investigate disputes and delete inaccurate information.

15 U.S.C. 1681s-2 : Continued reporting of inaccurate information after being notified of disputes.

15 U.S.C. 1681c ( c ) : Failure to properly handle obsolete information. 

I have sent multiple dispute letters to Experian regarding inaccurate information on my credit report, specifically concerning a closed account reported by XXXX XXXX ( Account XXXX : XXXX ) **. Despite providing clear documentation to support my dispute, Experian has failed to conduct a proper investigation, continues to report inaccurate information, and in some cases, has reinserted previously disputed items without proper notice, violating FCRA requirements. 

Additionally, my experience reflects the same issues highlighted in the recent CFPB lawsuit against Experian ( CFPB Sues Experian for Sham Investigations of Credit Report Errors ), where Experian was found to inadequately investigate disputes and improperly reinsert errors. 

Impact : The inaccurate reporting of this XXXX XXXX account has negatively affected my creditworthiness, limiting my access to credit, housing opportunities, and employment prospects.
Product: Debt collection

There was a legal order judgment taken against me without my knowledge or right to dispute Fargo did not notify me of the judgment which made it more difficult cost me lots of money
Product: Student loan

Secured FFEL loan. Loan was transferred to different servicers. Made numerous payments on loan. Servicer would not provide verification of loan payments made and balance owed. Made written demand for information through my attorney and servicer never provided any written verification of loan amounts. Servicer has turned matter over to collection instead of providing information. 

Tried to attach letters sent to servicer RE documents, but CFPB website would not let me upload the documents.
Product: Debt collection

The debt was discharged and remove from my credit report after correcting the situation with XXXX XXXX. The account is over 7 years, the car was auction off and debt was settled. This company is reporting {$21000.00} the cost of the car, making the amount owed wrong. I have disputed this with the credit bureau 's it was removed and placed back on my account, ow they won't let me dispute it again. I don't have a complete account number. The company never contacted me, the debt just show up on my report. : XXXX XXXX Deville Assest Management XXXX XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Acct XXXX Report # XXXX I have worked hard to keep my credit in good standing, I tried to apply for a loan, turned down because of this. Also, this is how I found out they were on my report. Please help me solve this issue.
Product: Bank account or service

I have been threatened by my bank of over 40 years by a XXXX . XXXX XXXX of Wells Fargo of XXXX XXXX. I have never cause any issues but the manager stated he will not give me any further monies back from a bank error. attached is one of many communications between myself and Wells Fargo. 
This bank has sent me a credit card every week for months and one they gave me I objected to in order to get a spending card ( a prepaid card for online purchases ) which I required. Then the very next month they took out {$4500.00} via all my checking account money and some overdraft money! Then it took them 1 year and two weeks to pay me back. Even as the manager stated in XXXX, XXXX " Shame shame on us '' this is a very bad mistake. I sent out a letter to the bank executives here in XXXX XXXXXXXXXXXX Branch Manager XXXXXXXXXXXX District Manager XXXXXXXXXXXX Area President XXXXXXXXXXXX Lead Region President XXXXXXXXXXXX XXXX Vice President Community Banking XXXXXXXXXXXX Chairman & CEO and they assisted in this matter and stated thanks for being patience but then a new manager XXXX as mentioned earlier stated that I must never return to the XXXX branch and that that 's all the money he or the bank would pay me for the mishap. Then my home loan was taken from XXXX approx. a month to XXXX a month for the remainder of the loan. The home was purchase and loaned on by wells fargo in XXXX and in 16 years only XXXX was every paid off and we made some double payments in XXXX while we were there in XXXX to XXXX This has been and is only getting worse with Wells Fargo and I have been a customer since XXXX 's to today almost 40years. thereabouts Please would someone help advise us? Would like advise for checking- home loan and missing income. 
XXXX XXXX XXXX XXXX Vet XXXX
Product: Mortgage

I was misinformed the entire time of my loan approval process and lost {$2000.00}. I was told I was approved for the house more than a month ago. 2 days before the option period I was told unfortunate news that it was there was so confusion and I would need more money to close.. I then asked if that was all that was needed along with paying off requested accounts and I was told yes.. After the option period I was told interest jumped on me. I accepted and we moved on agreeing that I would have to sell a truck on my name. Then a week before closing I was told a mistake was made with entering my yearly income and was told could not close till I got yet another account cleared. I was completely told the wrong information the entire time along with mistakes made that weren't mine. Outcome - We did not close and I lost {$2000.00}.
Product: Credit card or prepaid card

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information https : XXXX Please show me the document that i opt out of the disclose Personal/non public personal information to nonaffiliated third party ( Credit Reporting Agencies ) .

and i also need you clearly and conspicuously discloses to me in writing or in electronic form or other form 's permitted by regulations prescribed under Section 6804 of this title, that such information may be disclosed to such third party.

I want you read this carefully ... You need to notify me clearly and conspicuously discloses to me in writing or in electronic form NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.