23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate information on my credit report that should be removed immediately. These errors are not only misleading but are also negatively impacting my credit standing. I have reviewed my report carefully and can confirm that this information does not accurately reflect my financial history. Correcting this issue is essential, as these inaccuracies are affecting my ability to move forward financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a XXXX XXXX account as a missed payment. This account is closed and paid in full. This is fraudulent reporting and they must be held accountable with reporting inaccurate information. XXXX XXXX is the bank for XXXX Credit Card
Product: Debt collection

I have received XXXX phome calls from ( XXXX ) XXXX in the past two weeks. They only ask to speak to me by name, the XXXX time they had gender mixed up, they ask for my address, date of birth, and other information and refuse to tell me what they are calling about at all until I give them the information. I asked who they are and the first time they declined to tell me anything, just that it is, " A personal matter. '' I googled the number and found it to be " Professional Credit Service '' which was littered with reviews and complaints ranging from scam, to rip off, to incompetent. The XXXX time they called, they told me they were from Professional Credit Service, but woild not give me any more information. I have asked them to stop calling if they are unwilling to tell me what they are calling about without soliciting my personal information. 
I suspect they will continue to call.
Product: Student loan

My student loan transferred from XXXX XXXX XXXX to Nelnet last year. I am in a graduated payment schedule, but was managing to payoff the accrued interest each month and a little payment to my principal. After being forced to switch to Nelnet, i noticed that my accrued interest was not being paid off each month. This was mostly in my higher interest loan. The loan servicer is taking money from my payment to pay the principal on may lower interest loan and allowing interest to accrue on my high interest loan. 

I have made 3 calls to the company and they keep saying this is better for me and there is nothing they can do. My only option is to make direct payments each month to the desired loan or privately refinance.
Product: Vehicle loan or lease

TD Auto finance employee XXXX # XXXX, during a monitored call with me exhibited extremely rude and reprehensible, unprofessional conduct. She also violated company policy by refusing me the right to speak with her superior, after I asked for a supervisor several times. Instead she opted to argue with a customer/myself! XXXX XXXX held a lengthy conversation with me regarding my account, once I expressed my desire to speak with a supervisor she then opted to inform me that per td auto finance policy she was not allowed to speak with me regarding my account and Id need to contact the third party thats representing TD Auto, to settle my account. Interestingly, XXXX violated company policy long before attempting to use policy as a means of retaliation for me requesting a supervisor. It was fine for her to discuss my account initially but when I want satisfied with the information she had given me and requested a supervisor, then suddenly she couldnt discuss my account. Also, she placed me on hold to contact a supervisor only to return and tell me that her mysterious supervisor said it was against policy to speak to me. I asked for that supervisor name etc. only for XXXX to tell me that she was not allowed to share that information. Which again was a blatant lie. Nevertheless, by her own admission she violated company policy which warrants disciplinary actions aside from her poor customer service.
Product: Mortgage

On XXXX XXXX, 2016 I closed on my house with SWBC Mortgage. I received my closing disclosure via email from loan officer XXXX XXXX from SWBC Mortgage dated X/XX/2016 via email. My closing disclosure listed a Lender Credit of {$1800.00} for property taxes in Section G of the Initial Escrow Payment at closing. However the lender credit of {$1800.00} was not applied to my property taxes or escrow account and has subsequently created an escrow account shortage. <P/>In addition to not receiving lender credits disclosed on the closing disclosure the APR was understated over the .125 % and the Finance Charge was understated by more than {$100.00}. The disclosed fees exceed the tolerances under 12 C.F.R. 1026.18 ( d ) of Regulation Z and are reimbursable. I contacted SWBC Loan Administration and they expressed that I owe the funds for the shortage and that SWBC could not assist or clarify the Lender Credits, APR, or Finance Charges. I was told to contact the  investor XXXX XXXX because SWBC is only servicing the loan. I contacted XXXX XXXX with SWBC Mortgage by phone and email however she has not contacted me regarding the disbursement of Lender Credits or the understatement of the APR and Finance Charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 someone was trying to finance a car in my name without my knowledge ... As a result of that I see several inquiries on my credit report that are not mine ... upon getting a paper XXXX of my credit report I have kk these inquiries I did not do myself nor give anyone permission to run my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .. I called each credit bureau and they as told even though it was fraud because I didnt do it myself or give anyone permission that they were not going to remove.. I also called the police to make a police report and was told since no account as opened they couldnt find a report ... I am requesting all these inquiries be removed from all 3 credit bureaus ...
Product: Checking or savings account

We mailed a check to a vendor. The check was stolen in route. The check was then illegally changed to a new vendor and cashed at another bank. Our bank, Key Bank determined that XXXX XXXX  was mostly likely negligent in their procedures in allowing this to occur. Key Bank has been very inactive in getting the proper response and documentation from XXXX XXXX. I have asked numerous time for this correspondence and the need for the contact individuals at XXXX XXXX. Key Bank has refused to supply this information. I want this information so I can have my attorney deal with XXXX XXXX  since Key Bank has shown very little interest in handling this matter. A crime has been committed here with stolen funds and we would like to get it resolved. It appears the XXXX XXXX  did not do proper due diligence in reviewing the customer that stole this check.
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/XXXX with the inaccuracies that are being reported differently across Experian and XXXX. They ( XXXXXXXX XXXX XXXX  ) received that letter with certified returned receipt on XX/XX/XXXX. Their response was a " canned '' response that " My correspondence does not provide sufficient information to investigate my dispute. '' Which is a lie because i included account number and they themselves on the correspondence dated XX/XX/XXXX states my full account number My dispute also stated 3 errors in detail date opened is incorrect, date last active is incorrect, payment history has inaccuracies I also included a copy of my report with the errors outlined in red. A second letter was sent today ( XX/XX/XXXX ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Credit reporting or other personal consumer reports

Experian credit reporting agency has an account in bad standing on my credit report. This account has been on my credit report since XX/XX/XXXX. I became aware of this account XX/XX/XXXX. I disputed this account 3 times and experian will not remove from my report. 
The company XXXX has since charged off this account and it is still present on my report. Contacted them XX/XX/XXXX because one of my credit cards closed and sited this account as one of the reasons.
Product: Credit card or prepaid card

I opened up a complaint ( XXXX ) that was closed based on American Express response XXXX They indicated that I was informed that I was not eligible for the promo offer of XXXX XXXX miles. I was NEVER notified. I would have cancelled my application at that time. Because I was not notified I made the required spend only to find out months later that I was not receiving the miles. 
I would like a copy of what I was sent and proof that it was sent and acknowledged by me. I went through all of my emails and have no such email. I also did not receive any written acknowledgment. My wife received a promotion to make a referral which she did and it advertised XXXX miles. I received the referral and completed the application from the referral I received from American Express. I was then approved very quickly but no mention was made about the possibility of not receiving the miles. I have a credit score of XXXX so how is that they want my business but wont follow thru with the miles they promised? This is very unethical!
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan as a means to assist with paying for a medical procedure. The loan was approved at over 35 % APR. as a military member in XXXX XXXX ordered to Louisiana, Louisiana has laws expanding SCRA protections for interest rates to be capped at 6 % no matter if that service member was already in XXXX XXXX at the time of opening that account. I relayed that information to XXXX and they are refusing to honor that law stating that they will not lower the interest rate since I was already in XXXX XXXX. I have been advised by XXXX XXXX XXXX  that it applies to loans that were previously taken out prior to orders to Louisiana and new loans that originate here. I am requesting they lower my APR to 6 % XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transworld to advise them that I paid this debt in full to the hospital, XXXX XXXX. However, this is still reporting on my credit report which is inaccurate.
Product: Payday loan, title loan, or personal loan

I received an email that I was denied a line of credit that I never applied for : It didn't include my full name, and when I called the company, they could fine no record of me applying.
Product: Debt collection

A debt collector is trying to collect that bill again. Pay for XXXX years and 25 % out of my salary ( Garnishment ) almost XXXX, for a debt of less than XXXX. I call and spend hours and be transferred to other people and departments. Nobody can explain why? I think is a fraud and I need help to clear the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first want to start off by saying that Capital One is an awesome company however my FCRA rights have been violated and I must address these errors. I've tried to inform them of this numerous times but they have not actually looked into what I was actually contesting. Instead responding back with contracts and updated payment statuses. That's not what im asking for. Upon viewing my credit reports I noticed CAPITAL ONE AUTO had a discrepancy in the " date of last activity '', date of last payment '', " payment history '', " account status '' and " comments '', section of the listings. XXXX  and XXXX  are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX  is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX  is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. The " account status '' for XXXX  and XXXX  is " derogatory '' however, the account status for XXXX is " paid ''. This was also listed as a collection/charge-off which means it should show no payment history. Which this account does and is a violation of FCRA.
Product: Vehicle loan or lease

Purchased a XXXX used vehicle from XXXX XXXX of XXXX XXXX XXXX, in Arkansas. On XX/XX/XXXX. I was really desperate to purchase another vehicle because my current one ( XXXX XXXX XXXX ) at the time was breaking down. I was only receiving an XXXX XXXX check monthly and didnt know alot about financing, interest rate, APR and got fast talked into buying a used car with XXXX miles bad tires and axles for {$27000.00} dollars. I am involved in what I believe is called 'The Rule of XXXX ' a Debt Trap. The Rule of XXXX which is a financing method that allocates pre-calculated interest charges that favor the lender over the borrower. This financing practice is highly controversial and in XXXX, was outlawed in the United States for loans longer than 61 months. Well I was financed for 63 months using this same pre calculated method.
Product: Bank account or service

I had multiple accounts with TD Bank for a year or two and then ran into financial trouble. A check bounced and one of my accounts with TD was overdrawn and subsequently closed out by them due to the negative balance. I assumed they were closing out my other accounts as well however they are telling me that they have placed a " freeze '' on these accounts which means the funds cant be touched and the accounts cant be closed until I pay them for the one account that was overdrawn. They are still charging me fees on accounts every month even though I cant access the $ 400+ still in the savings and checking accounts and it seems illegal to me.
Product: Debt collection

Account XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " certified mail " with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.
Product: Credit card

I reached out to the bank twice as well as someone from XXXX, making them aware that there was an account opened in my name without my consent. I know for a fact it wasnt anyone that lives in my house, or anyone close to me because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I kept in touch with a lot of people that were close to me on a consistent basis. It shows that it was open on XX/XX/2024 or XX/XX/2024. Correct me if Im wrong, but it shows that the account was opened as of then because theres also a date of the opening of the account which was in XXXX XXXX Florida. I havent visited Florida since a little over XXXX XXXX XXXX XXXX ago and that was in XXXX. It clearly states that it was opened online, a payment plan/bills were negotiated and was paid off/closed at a rate of {$710.00}. I simply wanted to address this to someone and have the issue rectified by having it removed from my account, and if there is some compensation involved for that taking place, I was expecting that also, but I got no response from the bank since they told me to see if I can have it removed myself. And if it affects my credit score in a negative way. And I feel like Im experiencing both
Product: Vehicle loan or lease

I reached out to Ally financial a few weeks ago requesting I would like to extend my lease and the rep said the option is available once I make my last payment, So I made my last payment a littler sooner so I can extend the lease. However when it came to extending the rep said it's not an option. So now I am stuck I planned on keeping the vehicle and not have to look for another car now I am in limbo I have to rush to get a new car
Product: Mortgage

XX/XX/year> Dept. of Veterans Affairs Lender # XXXX Servicer # XXXX VA Home Loan # XXXX Good morning, I would like to formally file a complaint against our VA home loan lender, PennyMac. There is a {$600.00} delta between the loan estimate document ( {$2500.00}, including {$730.00} in escrow for taxes and insurance ) and the actual amount due ( {$1900.00}, with {$180.00} in escrow for taxes and insurance ).

We selected them to do a VA refinance home loan based on the estimated payments, which, as noted above, included taxes and insurance rolled into the payment. When we closed on the loan on XX/XX/XXXX, it was clear the numbers did not match up, and the closer ( who came to our home ) pressured us to sign, telling us that it would be an easy fix for PennyMac to correct the numbers to include the escrow into the payments.

Unfortunately, it has not been an easy fix for PennyMac, as it has been difficult to get anyone to acknowledge the error at all. When we first called PennyMacs help line, the agent couldnt tell us why the numbers didnt come even remotely close, and that was it. No escalation, no well look into it further, nothing. We then called the loan officer, XXXX XXXX, who said she would look into it. After not hearing anything back, I emailed her again on Fri, XX/XX/XXXX, trying to this resolved, and she responded that she had escalated it to the closing and operations team on XX/XX/XXXX, but we still have no contact from PennyMac, and no resolution.

It has been one month since we closed, and we first brought this to PennyMacs attention ( it is unbelievable to me that they didnt catch this themselves prior to closing, and they went through the closing process willfully, with such grossly inaccurate numbers ). The only way we get information, is when we are persistent ; not one single time has PennyMac reached out to us to inform us about what is going on, what the issue is, or when it will be fixed. It is stressful because if the escrow is not included in the payment as was originally promised in the loan estimate it will cause us to be short on the escrow amount due, which we want to avoid.

This has been a very frustrating experience, and one that is likely to have severe financial repercussions for us if the error is not corrected. We planned for, and expected, the payment amounts to be very close to the estimate document, which is what we based our decision on. To date one month after closing we still do not know what exactly our monthly payment will be, and that, to me, is unacceptable. 

Please feel free to reach out me or my wife directly for more information ( contact information is below. ) Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is a follow-up to my original letter dated date regarding an inaccuracy on my credit reports, regarding accounts XXXX XXXX  which you claim chargeoff {$76.00} XXXX XXXX, Which you claim chargeout {$910.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including docu mentation of any potential small claims action.
Product: Vehicle loan or lease

I filed a Chapter XXXX bankruptcy in which the vehicle was included. Ive tried several times to dispute the closed account from my credit report since it is not supposed to be showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter ( Attached ) to Experian on XX/XX/22 in accordance with FCRA 611 ( a ) ( 7 ). According to USPS signed receipt letter a XXXX XXXX of Experian received and signed for the letter on XX/XX/22 ( Attached ). According to FCRA, Experian has 15 days to provide a " Description of Procedure '' used to conclude their investigation or the record must be permanently deleted. As of XX/XX/22, I have not received a response nor as a letter been initiated according to XXXX, a representative at Experian whom I spoke to on XX/XX/22.
Product: Credit card or prepaid card

XXXX is using my social security money that I get for fraudulent uses for me reporting fraud constantly and them opening an account that they are not closing is creating me not to receive my social security money that I receive for my XXXX in SSI payment and I am through a lot of XXXX XXXX  because of it losing my XXXX XXXX XXXX XXXX XXXX XXXX  not having proper clothing not having food and I have did everything I can do in my power to make it stop I went into the place with the correct information and they still refuse to close out my account and social security 's information in the card company that's using my social security information is not the same because there is someone freezing me from stopping my card and I'm using their services for my social security payments and I'm trying to stop my social security payments from entering into the card service and they will not stop it which is creating a hazard and fraudulent uses