23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I currently have z title loan through XXXX the loan is for {$5000.00}. They are charging me 136 % apr. And {$600.00} a month payments. I called them on XX/XX/XXXX to speak with a account manager to restructure my loan due to California changing intrest caps on predatory loans. The loan was opened in XX/XX/XXXX the law changed on XX/XX/XXXX. The company refused to change the amounts making this near impossible to lay off
Product: Credit reporting

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. After calling and disputing them on  XX/XX/XXXX  two days later on  XX/XX/XXXX  I received the attached file which all have same results " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : '' According to FCRA rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it sta tes that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from it 's files. The fact that I received a response 2 days after the receipt of dispute call, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report displays a sign of financial trouble, which is not the case. I am submitting this complaint due to the lack of investigation i to my original dispute for hard inquiries on my report that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. In regards to this issue and have not heard back from Equifax. I would like for the below inquiries to be deleted.      XXXX   XX/XX/XXXX   XXXX   XXXX ,  XXXX .  XXXX / XXXX / XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 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

I have several accounts opened in my name on my credit reports in which I have followed the dispute process and all have been asked to be removed and that I claim 0 responsibility. This is all accounts except for my active XXXX account thats not listed, my Applied bank credit card, pretty much what I havent disputed is fine. I need these items removed immediately for it is impacting my credit worthiness and has been impossible for me to apply for anything. 

Thanks XXXX XXXX XXXX
Product: Bank account or service

I set up a car payment with Ally auto for XXXX XXXX, 2015. I then decided to reschedule that payment for XXXX XXXX to wait for my payday. I went back into my account and saw that I still had the option to cancel the payment, so I did. The payment said it was cancelled on my end. I then proceeded to set up a new payment to come out on my payday. On XXXX XXXX, ally auto deducted {$410.00} from my bank account, and then deducted another {$410.00} from my bank account on XXXX XXXX. I called both the bank and the auto finance company to explain the situation, that I was double charged, and set up a dispute. My dispute was denied.
Product: Credit card

I had applied for and was approved online instantly for a Comenity Capital XXXX XXXX Visa card with a {$10000.00} limit and a {$49.00} annual fee. The card arrived in the mail a week later. I activated it and had barely used it for 5 days before they closed the account due to a " security concern '' which they could not share the details of. They still charged me the {$49.00} annual fee and now refuse to refund it ( even though I had it for 5 days of the 365 days the annual fee was meant for ). They also dishonored the sign-up bonus of XXXX XXXX XXXX points that I was entitled to as per the sign-up agreement and the XXXX XXXX XXXX points I should have received for my spend on the card. 

I have XXXX FICO with a clean credit report, and have never had a closure from any other bank. Customer service was extremely unhelpful as well. I spoke to 3 different supervisors to refund my {$49.00} fee and they all refused to budge. 

This is a direct violation of their own policy as my statement terms from Comenity state : " XXXX FEE : This fee will be charged with the close of your first billing cycle and will be assessed annually in the same month thereafter. We will refund this fee if you notify us that you are closing your account within 30 days of the mailing or delivery date of the statement on which the fee appears. The fee is otherwise non-refundable ''
Product: Mortgage

Refinanced my home loan with XXXX ( owned by first guaranty mortgage ) and closed on XXXX XXXX 2016. XXXX XXXX I received a letter from Round Point Mortgage servicing Corporation saying they are my new loan servicing company and to start paying them my first payment by XXXX XXXX 2016. On XXXX XXXX I received a letter from XXXX saying they are the new mortgage servicer for my loan and I owe them my first payment on XXXX XXXX. 

As of XXXX both my online accounts for Round Point and XXXX show I owe a payment on XXXX XXXX. Since XXXX XXXX I have been communicating with XXXX and Round Point but no one can give me any kind of information or update as to when one of these accounts will actually close. XXXX says I should send my first payment to XXXX and do n't know why RoundPoint still shows I have a balance and payment due. I tried to get each company to escalate this issue internally and resolve this but they wont do anything. Please help get this resolved quickly. 

I am submitting two complaints, one for XXXX and one for Round Point Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these companies was not done from me. Please remove I have been hospitalized due to XXXX. 
1.XXXX XXXX XXXX XXXX 3.Carmax 4.XXXX  XXXX XXXX 5XXXX XXXX 6. XXXX XXXX XXXX 7.XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2020, I contacted Wells Fargo requesting the pay-off balance deducting our escrow account monies for re-finance purposes with another lender. That escrow balance would have reduced our refinanced loan by {$4000.00}. Instead, my refinanced loaned ended up costing/being {$4000.00} incremental to what we anticipated. 

The customer service agent advised me that Wells Fargo does not provide pay-off balances deducting the escrow account balance. However, that the escrow account would be reimbursed separately after the pay-off for the mortgage is received. Further, the escrow monies are not Wells Fargo, they belong to the consumers and that they do not benefit from the escrows. 

I explained to the customer service agent that I never applied for this Wells Fargo Mortgage and that the original lender ( PRMG ) had sold this loan to Wells Fargo. Therefore, I asked if she could send me a copy of the terms and conditions signed by me and the co-borrower agreeing to these terms and conditions. She advised that those terms would have been written and signed to in the original loan with XXXX and she couldn't provide. 

I asked if this was a regulatory requirement or a Wells Fargo policy and the agent responded that Wells Fargo only deducts the escrow amount from the re-financed balance if I were to refinance with Wells Fargo. 

I advised the customer services agent that Wells Fargo is benefiting from this policy/procedure against the protection of the consumers. Further, that Wells Fargo having been in the media several times with consumer violations cited by regulators, that this is another consumer violation and that I would seek legal assistance. I was referred to an executive consumer relations representative who gave no resolution and said she would send a letter which we received and is attached.
Product: Credit card or prepaid card

On XXXX XXXX,2016 a hard hit inquiry was placed on my XXXX  report due to a fraudulent application " cominetycapital/XXXX ''. I have called numerous times to have them contact XXXX to remove this inquiry and nothing has been done. They now tell me they ca n't locate an application for me and an account was never opened so it should not be on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, is in violation of multiple laws set forth by XXXX in regards to the following account XXXX XXXX  15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person XXXX XXXX XXXX XXXX making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person XXXX XXXX XXXX XXXX shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Equifax, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXXor the cancelled debt of {$600.00} in order to file as ordinary income. Where is my 1099-C? XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX  terms and conditions they agreed not to share my information with non affiliates. XXXX, Equifax, and XXXX are not an affiliate of XXXX XXXX  nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Checking or savings account

I was scammed by a fake remote job position. They ( scammers ) sent me a check to deposit ( which I printed ) and XXXX deposited on my mobile wells fargo account. Later on, wells fargo posts the XXXX in my account as available. Thats when I XXXX  the scammers back the same amount for them to bug me a laptop, and different softwares ( I have screenshots and a statement of the real company identifying the post as a scam and that XXXX more people had called about the same fake online job. Furthermore, Wells fargo retires the amount of the check from my account and I am left with minus XXXX dollars. They send en email saying that because of quality issues the check wont go through. I talk to the scammer and realize it was a scam. 

I called wells fargo and eas told that I would get my moeny back in about 9-10 days. 17 days later I call to see whats going on, they inform me that my case was closed 4 days after and I opened my claim and was NOT notified about it. I reopened the claim, because I used XXXX for them is not fraude, but they tood me I would have my money back and did not inform me about closing my case. 

LATER ON, more than 3 weeks later the scammers are able to hack my wells fargo account and send themselves 2k more than five times ( only one went through ), I was not notified of any suspicious activity and had to close my account and open a new one as well as change of XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX  XXXX XXXX XX/XX/year>2023 TU 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried XXXX times in the last week to put a freeze on my credit account at Equifax. They say the service is not available and they make lame excuses about Irma impacting things. I have tried on the phone and on their website. I have successfully placed a freeze at XXXX ( who makes this process the simplest ) and at XXXX. Equifax is playing games. 

I would also like to complain that this process is overly burdensome. I have to put a freeze on both my account and my wife 's. I have invested well over XXXX hours in this process already and I am still not finished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have a financial obligation to these companies and it is negatively affecting my credit score, please remove it immediately XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX
Product: Debt collection

I am a victim of ID theft, LVNV FUNDING LLC and various debt collectors associated with them called me multiple times since late 2018 about a credit card account opened with XXXX  XXXX XXXX  and demanding me to pay the past due amount of {$2000.00}. Since then Ive reported them as this is a FRAUDULENT ACCOUNT and I have provided the police report to them as well. I have also spoke with XXXX XXXX XXXX  fraud department and have reported about this however was no help as well. LVNV FUNDING LLC hasnt taken a needed action and forced me to make a payment on this fraudulent accounts which Ive refused and resulting in debt collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 a credit card was opened in my name fraudently with XXXX XXXX. I attempted to call & find out who did this & how to resolve it. It is reporting to my credit file. I have not gotten anywhere with this. Card has a balance & late payments. This is not my card. I did not give anyone permission to open it in my name. I want this removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED MY CONSUMER REPORT AND FOUND IT FULL OF INACCURACIES DELETE FROM MY CONSUMER REPORT IMMEDIATELY, INACCURACIES LISTED BELOW. 

XX/XX/XXXXBALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE IS ( INACCURATE WITH XXXX ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT IS ( INACCURATE WITH XXXX AND XXXX ( XX/XX/XXXX ) OPEN DATE ( INACCURATE WITH XXXX ( XX/XX/XXXX ) LAST REPORTED DATE IS ( INACCURATE WITH XXXX AND XXXX ( XX/XX/XXXX ) ( EQUIFAX ).
Product: Mortgage

Mortgage was transferred to Nationstar as of XXXX/XXXX/XXXX. Since then our payments are not posted in a timely manner or for the amount sent. 
for example payment cleared our bank on XXXX/XXXX/XXXX for XXXX per the payment history received from Nationstar the payment was not posted until XXXX/XXXX/XXXX and only for amount of XXXX. 
payment cleared our bank on XXXX/XXXX/XXXX for XXXX but was not posted to our account until XXXX/XXXX/XXXX and only for amount XXXX When our loan was transferred to Nationstar from XXXX we only received a good by letter from XXXX but no welcome package from Nationstar. So had to contact them to make sure the payment amount was the same as XXXX. I was told it was the same so that is what we are sending but they are only posting XXXX Have to call every month to get a payment history as they will not allow use of the website. Try to get information several times as to why it takes so long to post the money and why it is less than we sent. sent them the exact same documents attached and all they will state is they have no record of sending me the history every month and they are posting the money for what we sent. Have been unable to resolve the issue with Nationstar as they are not willing to listen or review the documents I sent to them as proof of what they sent me. Have been calling them every month since XXXX XXXX to get a payment history but they deny sending it each month.
Product: Student loan

FedLoan, the loaning agency previously held onto my student loans which I had paid in full, and on XX/XX/XXXX I requested a {$10000.00} refund which I hoped to get forgiven through the Student Loan Forgiveness plan. They initially told me it would take 2-4 weeks to get my loan back. Shortly after this window passed I called again and was told I was mistakenly told wrong information and that it would *actually* take 6-8 weeks. I asked for a hard deadline of when I should be expecting this refund to process since they had already passed the window initially given and I wanted to be able to plan financially. They told me objectively I should see this processed no later than the end of XXXX. The end of XXXX has come and this still never processed. They have now stated they no longer handle student loans and to reach out to the assigned company, but no company has been assigned to handle my loans. I do not know if this refund is still going to happen at this point but I want to know what to expect so I can plan accordingly. I am upset that FedLoan lied to me, not once, but twice, about this planned time frame for getting the refund as I am now unable to even apply for the forgiveness since it has been blocked by the Texas judge.
Product: Vehicle loan or lease

I purchased my XXXX XXXX XXXX in XX/XX/XXXX from U.S Auto Sales, which has been marred by significant financial and operational issues related to the loan servicing. Here are the pertinent details and grievances : Remote Vehicle Disabling : Similar to the complaint referenced, my vehicle has been remotely disabled by the lender due to missed payments. This practice has restricted my access to my vehicle during critical times, causing undue inconvenience. 

Misleading APR and Down Payment Requirement : The complaint noted misleading APR terms and unnecessary down payment requirements. Similarly, I was coerced into accepting a high Annual Percentage Rate ( APR ) of 20.90 %, far exceeding what was originally presented during the purchase process. Additionally, I was compelled to make a down payment of {$1200.00}, which I believe was unjustified based on the terms of the loan agreement. 

Debt Collection and Harassment : Following the transfer of my loan to Westlake Portfolio Management, I have experienced relentless harassment tactics. Westlake falsely categorizes my account as delinquent and engages in aggressive debt collection practices, including frequent calls and intimidating communications. These actions have caused substantial distress and are in clear violation of consumer protection standards. 

Dates, Amounts, and Actions Taken : Purchase Date : XX/XX/XXXX Loan Amount : {$15000.00} Maturity Date : XX/XX/XXXX Original Term : 125 months Bi-Weekly Payment Amount : {$200.00} Payment History : Referencing the complaint, my payment history ( as detailed in the provided records ) illustrates consistent efforts to meet financial obligations despite ongoing challenges with loan servicing and harassment from Westlake Portfolio Management.
Product: Credit card

Why are credit card companies allowed to charge interest on interest that was accrued? I paid off balance on credit card was charged interest on paid balance. Paid the interest and min. balance for month of XXXX. Paid off full balance in XXXX then was charged interest. Asked if I would be charged interest on balance that was already interest. XXXX ( XXXX ) who is a " Senior Accountant Supervisor '' said interest accues on balance, but balance was already paid off.
Product: Debt collection

I am currently update and not in a situation where I may lose my home. However, years past, I was behind on payments and tried to work with Wells Fargo. I initially thought they were helping me and in desperation signed some paperwork to save my home. Months later I saw that I owed way more on my loan than I initially owed. They didnt lose anything by helping me. They actually gained. They tacked about $ XXXX to my original loan.