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

OnXX/XX/XXXX my XXXX XXXX XXXX XXXX was destroyed in an accident that resulted in my wife suffering a XXXX and 42 days in a XXXX. around XX/XX/XXXX HDFS was provided with the name of the insurance adjuster and claim number and I was told no problem we will take care of it. Shortly thereafter I started getting late payment notices on my credit report and after multiple calls to both HDFS and XXXX nothing happened. InXX/XX/XXXX a tow truck was sent to my house to repo the vehicle that was sent to salvage in XXXX. XXXX finally made a payment on XX/XX/XXXX. 7 months later. They have in writing that it was in part due to HDFS sending them the wrong information that it took so long. Needless to say all HDFS could do was continue to hit my credit report with missed payments as I now sit unable to work because I have to take care of my wife at home 24 hours a day. 

It took the GAP coverage until XX/XX/XXXXto make a payment which still left money due which when I asked I was told it was for interest payments. Which by XX/XX/XXXX that account was paid about 2 years ahead of time. I have asked for a breakdown of all payments received and all charges applied to the account along with dates and amounts sent to XXXX for payment. 

The poor customer service this company and others provided me drove my credit score down from XXXX to XXXX in months, thus when I went to refinance my house to use the XXXX in equity in it to keep all my bills current until I could work again, my score was too low. HDFS and XXXX caused my family great financial harm to the point that I am usually within DAYS of having my house foreclosed on and vehicles repossessed. 

One year to process a simple 100 percent destroyed claim on a motorcycle and I now have statements showing that the about {$800.00} that was left after the insurance companies paid, has now grown over 4,000.00 Additionally I was informed that the motorcycle was sold. I dont know how a vehicle that I was paying for and still getting billed for could be sold without my Knowledge
Product: Vehicle loan or lease

I have been sending payments of {$440.00} since XXXX of XXXX, my vehicle was repossessed about XXXX  years ago and I made steps to retrieve my vehicle and get back on track. It is now XXXX  years later and I'm still making payments and my balance hardly moves. The vehicle is a XXXX and was purchased at {$24000.00}, how is it possible to still have a balance of over {$5000.00} after 8 years of payments even after a repossession. Regional Acceptance Corp. is the finance company that is doing this and I could really use some help in resolving this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX, XXXX XXXX XXXX, stating that they do not service an account that is listed as a trade line on my consumer report. I have submitted a dispute with Equifax and they refuse to delete. According the FCRA, XXXX FCRA XXXX XXXX b ) ( XXXX ), this item must be deleted from my file.
Product: Debt collection

DEBT WAS DISCHARGED IN CHAPTER 7 BANKRUPCTY XXXX/XXXX/XXXX. THIS HAS BEEN ADDED TO MY REPORT ILLEGALLY AND IS VIOLATING FCRA RIGHTS
Product: Mortgage

We received a letter dated XXXX XXXX, 2016 from SPS Select Portfolio Servicing. The letter ( attached ) stated erroneously that SPS is the mortgage servicer of their referenced account. It identified a new Relationship Manager as XXXX XXXX. This complaint is to reject the letter and to report the letter as improper communication due to the following : On XXXX XXXX, 2016 a complaint was submitted as # XXXX to the CFPB because SPS illegally threatened legal action. The SPS response was disputed. SPS was informed that we refuse to pay the alleged debt in a letter dated XXXX XXXX, 2016. We specifically demand that SPS cease communication with us and that the account be terminated. There is no loan to be resolved. 
FDCPA 15 USC 1692 ( c ) CEASING COMMUNICATION -- If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
Again we specifically demand that SPS cease communication with us and that the account be terminated. There is no loan to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report there was some of these inquires on TransUnion, XXXX and XXXX. that I do not recall. Nor giving them permission to run my credit. Before, I submitted a claim with CFPB I contacted each bureau as well as the banks that ran my credit. Neither could give me information on these inquires. Therefore, my next course of action is to submit a complaint with CFPB regarding these inquires.
Product: Debt collection

Paypal Credit has charged me a late fee, because I paid too early. 
I received the email statement, and paid right away, however, the payment was applied to the statement period just ending, and not applied going forward. so then, the next period was declared late, because they applied it going backwards. 
this is ridiculous. they refuse to reverse the late fee. 
I think it's fraud, for them to send me a notice to pay a bill, that they are not ready to process.
Product: Mortgage

I applied for a Home Affordable Modification Program ( HAMP ) loan with my loan holder, Wells Fargo. I was informed after submitting my documentation that the process would take thirty days ( 30 ). It took over sixty. I had XXXX conversations with the underwriter and despite these conversations and supporting documents, my income was significantly understated by Wells Fargo and my debts were overstated ; my {$50.00} annual HOA fee was increased to {$97.00} monthly and I had multiple points of contact. As a result I was told I did not qualify and I was not eligible for HAMP1 or 2 Step loan or 40 year term. The process is not transparent and no alternatives were offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

State  of   XXXX   XXXX   XXXX   XXXX   file d a tax lien for approximately {$5700.00} against me in  XXXX   XXXX . I submitted documents to    XXXX   XXXX   XXXX   to establish that I was not a c itizen for tax year  XXXX  and as such did not owe any income tax. In  XXXX ,  XXXX , the  Office of Taxpayer Advocacy fo r Alabama intervened on my behalf to have determination that I owed tax rescinded. Thereafter,    XXXX   XXXX   XXXX   XXXX    submitted paperwork to  XXXX  Alabama court to have lien " released ''.     However, the mere act of lien being filed was detrimental to my credit score. A subsequent status of " released '' will linger on my credit report for  seven yea rs. To remedy this problem, I submitted Taxpayer advocacy documentation evidencing this error made  by   XXXX   XXXX   XXXX   t o Equifax,   XXXX   and   XXXX  .   XXXX   and   XXXX   promptly removed any mention of tax lien from my credit reports ( Please see attached  XXXX  investigation report ). As a consequence, my credit scores increased substantially.     Unfortunately, Equifax has chosen not to remove this tax lien from my credit report. I provided Equifax with letter I receiv ed from Taxpayer Advocacy along wit h business card of revenue agent who can verify particulars of case. It appears from the generic form letter I received from Equifax that no substantive effort was made to investigate this matter.     I am requesting CFPB 's assistance to have this erroneous tax lien removed from my credit report.
Product: Checking or savings account

Well I like to start with saying that I was involved fraud trough my bank I dont how far it bien if to my credit card I think yes cause I just keep getting the the same story here some money back there is I counted at least 30 charges I dont k ow bout and that they sue and wont solve them for example I heard them in call get hang up cause one member was gonna help solve this issues and the call hang up he like saw the fraud thrown th e call I tried  to communicate with repesentive and still cousin a straight answer and I go t so many charges where I get charges and a week later o see the charge oooo and prosseing and then it get me how more money plus I caught them charging my dept for credit in a month 3 times they drain my account for month they that till I caught them and put a stop to it and always getting the run around just beaten lies and cover ups XXXX XXXX 4 or five company more non stop charging me that I never notice where Blayne fraud cause I work I cant always except sole taking from that I trust like the bank well they disappointed and want to solve this with them and well I just dont rues them to due cause then tsk whatever I put in the account unauthorized I like to get deed back and process this complaint..
Product: Credit card or prepaid card

Apple card advertised the promotion below - " Don't miss out. Get {$75.00} with a new Apple Card when you spend $ XXXX with Apple Pay at XXXX for a limited time. '' I applied and was approved for the card and within the 30 days I made a purchase at XXXX for {$96.00} on XX/XX/20. I was not given the {$75.00} as advertised on the sign up bonus. 
I have tried three times with the issuer of credit card - Goldman Sachs. The first two times, my complaint was taken but no confirmation or action was received. They first said the purchase was made after the date or did not acknowledge the promotion. They said I would receive an email confirming the conversation but nothing was received. Then the third time i called, they acknowledged and registered the complaint. I did receive an email saying it was under investigation. On XX/XX/XXXX, they sent a decision saying the dispute was regarding the 'daily cash earned. ' I am not questioning the daily cash earned as explained many times to the representatives at Goldman Sachs. I am disputing the {$75.00} credit which was not received.

I have an email detailing the promotion from Apple and the one interaction with Goldman Sachs. They did acknowledge my other calls and did not know why no email confirmation was provided. 

I am requesting a {$75.00} dollar credit as I met the terms of making a purchase using the card at XXXX.
Product: Vehicle loan or lease

This is about wells fargo cpi refund and the tales wells fargo has tryed to get me to listen to. The one yesterday almost caught me off guard. I thought the guy was trying to be funny yesterday. He said that 13 years ago and counting I called wells fargo bank and told them to come get my car. I give up there trying every lie in the book and they wont let me have arbitration as they know there ripping me off.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This account has had an open dispute that's been under review since XXXX XXXX XXXX The case is still open. The original dispute was canceled by the customer who contacted both XXXX and his banking institution to let them know he disputed the amount in error. The banking institution sent the money that was disputed back to XXXX and XXXX has yet to put that money back into my account. Both me and the customer have contacted XXXX multiple times about this and they refuse to respond. We have also sent copies of the emails that were sent to and from the buyers banking institution proving that the bank did in fact cancel the dispute and sent the money back to XXXX. XXXX has yet to respond or fix the issue. Again, this dispute is still " under review '' with XXXX therefore never should have been sent to collections in the first place.
Product: Debt collection

Keep getting calls about a dept that is over 15 years old, robo calls, and unprofessional and abusive people, told them 10 years ago to come and get the tools they refused. was included in law suit against them but they waited till the suit was over and they started again, I still have 6 months of calls from my phone company that I requested 4 years ago that shows more then 8 calls a day. and XXXX dept. I have been on the do not call list since 09 but they do n't seem to pay attention to the Law. The new numbers from the last 2 weeks are XXXX XXXX XXXX XXXX XXXX XXXX XXXX they must stop.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE AUTO FINAN XXXX Balance : {$22000.00} I believe the information being reported to be inaccurate. For that reason, Im requesting all account-level documentation in addition to the following information : Retail Installment Sales Contract/ Lease Agreement/ Auto Loan Contract Include any Arbitration Provisions Complete Accounting and Payment History Notice of Sale/ Notice of Default w/ proof of mailing Explanation of Calculation of Surplus or Deficiency w/ proof of mailing Notice to redeem personal property w/ proof of mailing Details regarding whether the sale was public or private
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my  payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

Unfortunately I was subject to fraud with Zelle and lost hundreds of dollars. There was no safety information and precautions when it first began, this was not investigated properly.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate this account Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Payday loan, title loan, personal loan, or advance loan

Prime Lending keeps calling me multiple times per day claiming they have received my request for a {$65000.00} loan. I have NEVER applied for a loan and I have requested numerous times for them to stop calling me and delete all of my information from their database. 

They will not call for a day or XXXX and then start right back up again. The numbers they call from are all different and from different states the XXXX number to call back is always the same. 

XXXX is the number they leave on the vm. I always block the random numbers they call from but they call from another!
Product: Checking or savings account

On XX/XX/2021, {$1500.00} was fraudulently withdrawn from our CitiBank NA checking account, appearing in our account as 5 withdrawals on our CiitBank debit card for {$300.00} each. These withdrawals were made by unauthorized use of the debit card, illegally obtained by a third party. Within an hour of these withdrawals, they appeared in our account, and we immediately attempted to notify CitiBank to report them as not made by us. We were on hold for ninety minutes. When we were finally able to report the fraud, we were told that the funds would be restored to our account within ten days, and that there would be an " up to 90 day '' investigation. After ten days, we were informed that the funds could not be restored. CitiBank could not determine fraud, as the withdrawals fit our pattern of use. We had rarely used our CitiBank debit card to withdraw cash, and never for more than $ XXXXAfter several complaint calls which were shuttled to several departments, we were told the case would be re-opened, and that a police report would help our case. We filed a report with The XXXX XXXX police on XXXX XXXX ( attached ) Checking the account daily, we discovered that the {$1500.00} had been restored to our account on XX/XX/2021 with no notification or communication from CitiBank. With funds restored, along with what had remained in the acccount subsequent to the incident, we wrote a rent check for {$1600.00} on XX/XX/XXXX, and submitted it to our landlord on that date. Checking our account on XX/XX/XXXX, we saw that the check had not been posted as deposited or cashed by our landlord, Then, also on XX/XX/XXXX, there were 5 bank debits posted for {$300.00} each. There was no communication from CitiBank. When we called to inquire about the debits, we were told that the " available '' funds that appeared in our account were " provisional '' and had apparently been taken back. We had to subsequently inform our landlord to hold off cashing our rent check until we could get this straightened out, Citibank has made a mess of this, and it's just wrong..
Product: Debt collection

Mine phone number is not the phone number that the collection agency has to call another person
Product: Debt collection

This is a TAX document. Third Federal Stated my house was taken due to a foreclosure. 

Please explain why on the IRS form 1099 Box 6 = Identifiable Event Code G was put in box G per the instructions for Debtor located on the back of the form corresponds to Decision of policy to discontinue collections PLEASE EXPLAIN WHY OPTION D Foreclosure Election was not selected. 

My credit report indicates the debt is due to a foreclosure and has been placed on my credit report. 

On XX/XX/XXXX XXXX I received a letter from Third Federal stating the information ( foreclosure ) is correct.

This is contradicting and would be a falsification of information.

Given these are tax documentation which are supplied to the federal government, is reporting information in this contradicting manner LAWFUL Third Federal Please Explain. 

How can you state in box 6 a foreclosure is not selected yet post I owe money for a foreclosure on my credit report?
Product: Credit card

A XXXX account was opened without my consent by an unknown source. Under the account, several purchases were supposedly made. I have never used the credit card, ever. I had no idea what " XXXX '' was until this issue was brought to my attention. 

A letter dated XX/XX/XXXX by XXXX XXXX stated " Thank you for notifying us regarding the unauthorized opening of the XXXX credit account referenced above. For your protection, this account has been closed to prevent further use. Please rest assured that our experience team at XXXX XXXX  will work to resolve this problem quickly and with as little inconvenience to you as possible. Please know our {$0.00} Fraud Liability policy means you are not responsible for any unauthorized transactions. '' I was assured by XXXX XXXX  my account is now closed, the credit report agencies were notified to remove this account from my credit report, my information was flagged in their system so no other account under my name could be created, and a fraud investigator was assigned to my case. 

As of XX/XX/XXXX, I being charged {$15000.00} in interest and purchases I never made. I have been trying since XXXX to clear up my name with no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to access my credit report so that I can apply for a credit card. I havent been denied for multiple, and come to find my information hasnt been updates since XX/XX/2017. I have been working for the last two years, and have been renting a house. I can't access any online tools because my reports all say " error loading '' " unable to show your report '' and when I try to contact someone, it's all a bunch of XXXX. Robots or comments left to never be answered. Spoke to a man on the phone who is sending me a mail copy BUT THAT DOESNT CHANGE THE FACT I CANT SEE IT ONLINE OR UTILIZE MY ONLINE TOOLS. I NEED my report and my whole life is getting ruined because nobody can just take two minutes to help me! Upon the security questions I am being asked about accounts that arent mine and therefore not " passing '' PLEASE HELP ME. The companies involved I ALREADY CONTACTED but sure go ahead, its XXXX, XXXX, and XXXX