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

Please be advised! That the Secured Party XXXX XXXX XXXX is giving TD AUTO FINANCE the XXXX lawful notice that the undersigned seeks a billing error resolution pursuant to 12 CFR 1026.13 due to the following facts : XXXX. The billing error in regard to previous CFPB complaint # XXXX wasn't resolved, nor was the claimant given any reason from CFPB for why the complaint was closed without any resolution. 
XXXX. TD AUTO FINANCE LLC failed to address the issue of the misapplied payment and sent in the agreement contract to the claimant, the claimant wasn't denying that he/she signed the contract XXXX. The claimant is now seeking a resolution for the second time as TD AUTO FINANCE LLC continues to ignore the billing error XXXX further, I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. 
XXXX. These errors as well as the number of payments seem to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( XXXX ) refers consumes to the creditor or ( XXXX ) is affiliated with the creditor by common control, contract, or business arrangement. Under Regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. 
XXXX. Following closer research regarding TD AUTO FINANCE LLC ACCOUNT # XXXX, the claimant determines that the respondent is conducting business in violation of both regulations Z and XXXX of the Truth in Lending Act XXXX. The demand is made that TD AUTO FINANCE LLC produces the original wet inked signature instrument, which will prove if this said instrument was securitized.
Product: Checking or savings account

Account was closed due to cid document, that had already been sent in three times a certificate of trust signed by me XXXX XXXX XXXX the sole trustee. They state I didn't send it in, when in fact it was sent in three times by banker XXXX XXXX for Wells Fargo. The Certificate of Trust was and is signed and notarized. My account closure has caused payment returns and lot of stress, I maintained the account for thirteen years ( 13 ), I'm requesting it be reopened.
Product: Mortgage

Fay Servicing did not disclose huge balloon payment when this modification ends there is no way I can afford to pay {$120000.00} balloon payment when loan term ends. I only learned today about a lawsuit they were involved in I was never informed I could be included in this lawsuit.
Product: Debt collection

I contacted conserve for several days and was able to get ahold of someone. I contacted them into an account they are reporting on my credit report in the amount of {$760.00}. I was trying to get some information on this debt and associate named XXXX XXXX at ext XXXX stated the account is closed with their office and in order to get account removed to reach out to the credit agency. I informed XXXX XXXX that the XXXX XXXX is reporting inaccurate information that your office has supplied. XXXX XXXX did not have any other resolution or validation of debt but kept stating account is closed with their office and to contact someone else. I would like to get this information removed off my credit report.
Product: Credit reporting, credit repair services, 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 s-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: Mortgage

My husband and I recently purchased a modular home from XXXX homes and financed with Vanderbilt Mortgage. At closing we were told that we would not be charged for XXXX days once we started occupying the home. They had us close in XXXX signing all the closing paperwork. The delivered and set up the home. The loan had not been booked. At the beginning of XXXX we still dont have electric or HVAC and they booked the loan. The home does not have a certificate of occupancy and none of this was told to us while applying for the loan, during the process, or at closing. I feel this is a deceptive practice to consumers especially if they are not familiar with the loan process. This loan was not set up as a construction loan, yet was handled as one. The money was showing as disbursed to XXXX homes and I have no budget or invoices to know if any money should have been owed back to me on the loan if the contractors didnt go over budget. Now we have a home that cant be occupied that we will be paying a full payment on not interest while its still technically in a construction phase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2023 made an inquire on my credit report, not autorized by me spoke whit XXXX XXXX XXXX, they don't no how they made inquire to my account seen they cant find any of my information in there system, but in the meantime they cant remove that inquire or report to the credit reporting agency 's , that this is not mine inquire
Product: Credit card

I have multiple unauthorized hard inquiries on my credit report from companies I never applied for credit with. These inquiries were placed without my consent, likely from pre-qualification checks that were misleading. I attempted to dispute these inquiries through XXXX, but they will not let me create an account or log in to access my report. Every time I try, I face issues with verification, and I can not fix errors on my credit report because of this. I am requesting immediate removal of these unauthorized inquiries and assistance in accessing my XXXX account to dispute and correct my credit report.
Product: Mortgage

I successfully completed my Chapter XXXX bankruptcy and the discharge was sent to BSI by the court, my attorney and myself by USPS and fax. They claim to have not received it, have not cashed the final payment from the BK court and are refusing my payments because they state I am still in BK. Wait times are ex- cessive, employees are rude, calls are not returned and they are great at dumping you into emails that have no contact information and nothing is getting done. This is placing my 'fresh start ' after BK in serious jeopardy and I am beyond panicked at the thought of this ruining my future when I am clearly trying to do the right thing.
Product: Checking or savings account

On XX/XX/2022 I had a check from my PNC Bank Checking Account made out to the XXXX  Department of Revenue for {$7500.00} stolen from the blue mailbox outside the post office. They changed the " Pay to the order of '' line to XXXX XXXX and deposited fraudulently. They withdrew {$7500.00} from my checking account and when I found out I immediately filed a fraud claim with PNC Bank. PNC bank received my notarized fraud claim on XX/XX/2022. I have now waited well over XXXX  days and haven't heard anything from them. I have called them multiple times to find out the status and they have no updates and keep giving me the run around. I have also tried calling XXXX  XXXX XXXX, the bank of first deposit and they can't even look up my case with the Case Number given to me by the Police Detective who is investigating and has a XXXX  XXXX XXXX case number. The Detective said that it was an open and shut case and they have already identified the individual who did it and arrested them. I am going to testify against them. I need to get my {$7500.00} back but PNC Bank and XXXX  XXXX XXXX have been completely unresponsive and unhelpful. I honestly feel that they are trying to steal my money and hoping I will just go away. I hope you prosecute them so they change this fraudulent behavior. Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I came back from a few weeks out of Town. I checked my mails on XX/XX/XXXX and for the very first time I got this mail from Phoenix Financial Services Debt Collection at XXXX address : XXXX XXXX XXXX XXXX XXXX Fishers IN XXXX for the amount of {$2000.00} from a XXXX  XXXX XXXX Services way back XX/XX/XXXX. As far as I know I'm not aware that I owe any company or medical services such an amount. I never receive any bills from this company and from any collection agency in the past until this Letter from them dated XX/XX/XXXX for which before I even send back my reply -- They already sent a derragatory mark on my credit report. I have a good credit score history of XXXX plus then because of this my Bank alerted me of my credit report score declined due to this Debt collection report on my credit. I'm informed it's for an ambulance service for which I only had once in my whole life and it was medically necessary and I have a HEALTHCARE INSURANCE Benefits coverage throughout my life in the USA and it was covered and paid for by my medical insurance backed then because it was medically necessary ( i passed out ) Someone called the ambulance and I was treated in an emergency facility. Suddenly after too many years without getting any bills on that incident because it was all paid for as medically necessary this Collection Agency is ruining my life and I'm being destroyed that I owed this much. It's not right and it's not fair. Someone might be stealing my identity or using my past history to scam me? On that part I'm not sure what's going on but I'm totally disputing this action done against me by this collection agency. Please help inform and advise me on this matter. I need my credit report to get fix. I already disputed this to XXXX XXXX XXXX and in a process of filing a police report. I would need these Dispute reports confirmation document from your office to send to XXXX as they requested for it. Thank you. XXXX XXXX
Product: Checking or savings account

So one day, unaware someone gained access to my Chase account and tried to deposit a fraud check and because of that action, a few days later, I received a call from Chase stating that my accounts were going to be closed down and I could not further bank with it them.
Product: Debt collection

First collection services has been placed my account from a creditor. I have received a letter stating to send payments to the original creditor. I have been sending what I am able to afford and I reported this information to the collection agency as well before XX/XX/23. They have notated this in the account on their end that I am making payments towards the balance but they kept calling me. I asked to speak to a supervisor but at first the supervisor never wanted to speak with me but through an instant message with the agent. I demanded to speak to the supervisor and when I did she proceeded to tell me that they never agreed upon this amount and that I better pay more per month. Worst company ever! I will report this to the original creditor as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to access my credit score/report from Equifax since XX/XX/2018 when my husband and I were trying to buy a house. I had never requested my credit score from equifax specifically, so I never knew that there was an issue, but my husband and I were almost unable to go through with the home loan because my lender was unable to pull anything from Equifax. However, I have active, accessible credit files with XXXX and XXXX. At the time, I contacted Equifax several times by phone to try and determine what the issue was but they kept giving me different answers, such as " we do not have a file for you, '' " there is a discrepancy on your name, '' and " we can not give you any information at this time. '' I also tried to create an account on Equifax 's website, but I kept receiving an error code which I shared with the Equifax representative and they recommended that I try sending a letter to Equifax with copies of my social security card, photo id, and a cover letter explaining the situation, that there was a discrepancy on my name. A month later I received a response back from Equifax saying that they did not have a file for me. After buying our house, I tried to let some time pass, because I knew for sure that our lender reported to Equifax as well as the other lenders, and I wanted to see if that would make a difference. However, it has been over a year since we bought the house and I still can not access my credit report from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm using my rights as a Consumer to dispute inaccurate information of my consumer report. XXXX XXXX is reporting a charged off on my consumer report with a balance of {$190.00}. This was a secured credit card and which I made a {$200.00} deposit to open the account. I never received my deposit back after closing the account and any balance should have been paid off to zero with my deposit and the remainder sent back to me. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 

You and your inaccurate reporting have damaged my livelihood. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something
Product: Vehicle loan or lease

I financed a vehicle with Coastal Credit LLC in XX/XX/XXXX, the vehicle was repossessed in XX/XX/XXXX. Coastal Credit LLC reported it on my credit report as an Account written off, with balance of {$8600.00}. However, after they charged it off, they added interest and fees, the balance they are asking me to pay is {$13000.00}. 
I contacted them in several occasions. I contacted them for the first time years ago. Last time I talked to them was last week. They are not willing to set up any type of agreement. They have been rude ever since I gave the car back, I have been threatened with getting my chief of command contacted, which is the President of the United States. I have been willing to work with them but havent received the same treatment on their behalf. They are asking for the full amount of {$13000.00} and they told me they will take me to court if I dont pay the full balance.
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

1

5 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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: Credit card

I had a XXXX 's membership, it automatically renewed to my debit card. I opened a credit card account but never activated the card. When XXXX 's stopped using XXXX Bank and started with Capitol One, they opened an account with my name and charged the XXXX 's membership to this card, I have not received a card nor activated an account. The statement does not even have an account number on it. I called Capitol One and they referred me to XXXX 's I discussed it with them and they said that is not on us but on Capitol One. I then went into the store and discussed it with the store manager, she gave me a different number to call. I called that number and was told to contact XXXX 's. I called back to Capitol One and was on the phone with them about an hour, constantly being handed off to another supervisor that could " handle the situation '' after being forwarded to the forth supervisor and being on hold for another twenty minutes I hung up. The next day I called back and went thru a similar scenario whereas I hung up again. I then contacted the credit bureaus XXXX and XXXX and reported it to them, obviously a worthless move. This fraudulent charge has resulted in credit score degradation and for a {$55.00} dollar unauthorized charge to date a charge of {$110.00} in interest and fees.
Product: Debt collection

XXXX, i spoke with a representative on XX/XX/2017 regarding an old account. Th I asked how much was the equipment fee. I was told the equimpment fee was XXXX ; i said i no longer use the equipment and would like to return it. XXXX XXXX of IC Systems instructed me to contact XXXX XXXX directly. Upon contact the XXXX XXXX representative XXXX XXXX, looked into my account and stated " the equipment was outdated and would not be accepted '', however my account would be credited the XXXX equipment return fee '' and the account would be updated to reflect the fee - over the weekend. On XX/XX/2017 i called XXXX XXXX back, as i did not see the credit on the account, i was then told - the return date had passed and i would be responsible for the XXXX - the previous representative had given me misinformation. I then quoted the recording which states all calls are recorded for customer service and quality assurance.. they told me they could not honor the misinformation provided by their representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX, Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
According to the 15 USC181i- XXXX XXXX Equifax have 30 days to investigate and send me the results. And they also didn't record the current status of the disputed information which is another violation. I have all the evidence attached.
Product: Mortgage

haave been attempting to get my lender Bank of America to resolve an issue regarding the declination on my part of a loan modification for over seven months now. I explained to them that I did not wish the loan and not to set up an escrow account for me and they did so anyway against my wishes. At this point ( as of XXXX/XXXX/17 ) approximately they have finally escalated this and claim it will be resolved soon but no word as of today XXXX/XXXX/17 I want all late fees reversed and this completed immediately
Product: Debt collection

people are calling me to sayi im going to jail they even got my husbands cell number asking for me to they keep harassing me calling my job if I block the number they use a nother XXXX to call me again and again and my husbands to
Product: Credit reporting or other personal consumer reports

reviewing my credit report I get XXXX hard inquiry that is not correct Disputed inquiry XXXX : FACTUAL DATA, XX/XX/year>, Unspecified. 

TRANSUNION is violating the following laws : Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request immediately delete those hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX
Product: Credit reporting

I TRY MANY TIMES WITH THE CREDIT BUREAU AND THE CREDITOR TO REMOVE THIS ACCOUNTS FROM MY CREDIT BUT STIIL ALL THIS ACCOUNT ARE IN MY CREDIT REPORT.I TOLD ALL THIS PEAPLE THAT THIS ACCOUNT WONT BELOWN TO ME .THIS IS THE FIFTH TIME THAT I ORDER A NEW CREDIT REPORT AND THIS ACCOUNTS STILL IN MY CREDIT.
Product: Checking or savings account

I have paid an absurd amount of fee to Wells Fargo in the last year, and in the last month alone they have charged me over {$700.00} in fees There should be a cap on how many fees they can charge this hurts so much and I am unable to make payments on my bills
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happen to me. There are many unknown student loans open under my name and other suspicious accounts that do not belong to me. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXXX {$3900.00} DPT ED/XXXX XXXX {$2200.00} DPT ED/XXXX XXXX {$4700.00} DPT ED/XXXX XXXX {$1400.00} DPT ED/XXXX XXXX {$5100.00} DPT ED/XXXX XXXX {$11000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX   XXXX {$12000.00} DPT ED/XXXX XXXX {$4000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$4700.00} US DPT ED XXXX {$28000.00} XXXX XXXX {$0.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$860.00}