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

XXXX owes you {$3000.00} the dealer and I agreed to finance {$13000.00}. They added on warranties not under disclosure. I have documents to prove. The buy rate was set at 21 % interests. I agree to the loan amount with XXXX XXXX for {$13000.00} In violation of US COde 1662 B. XXXX XXXX I refused any warranty. I have receipts the dealer asked me to put up {$3000.00} towards the loan amount.? the Balance is incorrect. The dealer warranties include {$310.00} key protection. ( returned ) {$990.00} Dealership paint package. The amount financed is now listed on my bill as {$16000.00}. Balance should deduct all taken in cash illegally. {$12000.00} should be the tinder amount owed. Collect your money from the dealer. I would like this balance to be reported to my consumer report. Ally has not reported to any bureaus. I have made notice of the dispute for incorrect balance once ALLY post. With this information Ally has time to make it right by correcting the balance and due date before they make a report on my consumer profile. I will monitor all activity with XXXX and XXXX. 

This contrat Interest with ALLY should be nullified. This mistake is going to harm the original interest amount agreed upon by the dealer. This is my consumer report and I have to report inaccuracies in the balance from ally auto. XXXX XXXX added these charges to me {$3000.00} + XXXX key warranty XXXX XXXX XXXX XXXX. Ally Financial does not have the copy of lean, copy of registration, copy of title. When I called to confront I was ignored. It was not disclosed this amount to be financed as {$16000.00} at 21.49 %. Ally Finance does not know the terms of the contract. the correct balance should be XXXX after dealership theft.
Product: Mortgage

On Monday, XX/XX/2021 I closed on a property with Wells Fargo as my lender. XXXX XXXX was the company who performed the title work. 

The final amount that I was informed I owed was {$25000.00} by XXXX XXXX  and Wells Fargo the morning I went to closing. I went to the bank and performed a wire transfer for the full amount. I then went in and signed all relevant closing disclosures with this amount present on the paperwork at XXXX XXXX 

On Tuesday, XX/XX/2021 I received an email and phone call from XXXX XXXX  that stated Wells Fargo had made a mistake on the closing disclosure. That I would have to sign a revised closing disclosure and wire additional funds in the amount of {$1600.00} or they would refuse to fund the loan which would void my contract on the property and result in me losing {$10000.00} in earnest money deposit. 

I spoke with my realtor regarding this situation and he said this was the first time in his twenty years of experience of a bank forcing a revised closing disclosure when it was clearly their mistake. 

My loan officer at Wells Fargo was XXXX XXXX XXXX XXXX ). I reached out to his Branch Manager, XXXX XXXX ( XXXX ) who confirmed that my choices were to pay in full, or they would refuse to fund the loan end of story. Despite it clearly being their mistake, and the closing disclosure already being signed they refused to make it right by waiving the difference. 

I had to take off work an additional day XXXX XXXX XXXX XXXX XXXX to handle this situation and to do the additional wire transfer or risk losing the property as the loan would not be funded. 

XXXX XXXX said the best she could do was a small adjustment of {$380.00} ( from ( {$1600.00} to {$1300.00} owed ) as an apology for the inconvenience. I said this was unacceptable as I had already closed on the property and this was clearly Wells Fargos mistake.

She said I could either wire the money or lose the property as the loan would not be funded. I asked for this issue to be elevated further to Wells Fargo corporate and was assigned to XXXX XXXX, XXXX XXXX XXXX. 

I spoke with her once, she never followed up regarding the case and a month later I received a phone call from someone I had never spoken with before stating a review had been done and Wells Fargo would be taking no actions to make this right.
Product: Mortgage

In XX/XX/XXXX, I entered into a reverse mortgage with XXXX XXXX XXXX XXXX XXXX ( Loan # XXXX ). Everything went smoothly until I received a 'Notice of Assignment ' ( attached ) from Reverse Mortgage Funding in XX/XX/XXXX. When I received the assignment, I noticed that the balance on my loan had changed dramatically. RMF instructed me to call XXXX because they were working with what had been sent to them prior to the assignment. XXXX gave me such a run-around that I knew something was fishy. I initiated a refinance with XXXX in XX/XX/XXXX that was completed in XXXX. I will be XXXX this XXXX and I refused to allow anyone to cheat me out of my home. Even though this is an added burden on me, I worked too hard to get my home. 

Then, on the XX/XX/XXXX, I received the letter that's also attached from RMF. I have no idea what to do. From the very beginning, I have gotten 'word salad ' from both of these companies.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was working with American Quest Home Loans to refinance my home in XXXX XXXX, California. After a lengthy process which involved numerous lock extensions and constant hassle, I expressed my dissatisfaction with the company and informed them that I no longer wished to go through with the loan because the fees were too high for a simple refinance. I was in the process of shopping for another company when I began to receive numerous telephone calls from another loan officer with their company. The man appeared to be friendly and courteous and assured me that he could get the deal done. I was still dissatisfied with how much the loan cost until I received an email from this man promising me that they would pay me {$5500.00} at the close of escrow which was to come out of their commissions. I relied on this representation by this man and signed the loan documents believing that I would receive {$5500.00} after all was said and done. After the close of escrow I received a check for only {$1700.00}. I have made numerous attempts to resolve this matter to no avail. To this day, the outstanding {$3700.00} has not been paid to me.
Product: Checking or savings account

I was a victim of wired fraud in the amount of XXXX. I have contacted Wells Fargo multiple times. Its been almost two months and they have been giving me the run around for that amount of time. No one seems to know what is going on and this is causing me great hardship.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX The Account opened XX/XX/XXXX Original debt XXXX XXXX- charged off debt Product was deemed a total loss XXXX  insurance coverage paid XXXX  XXXX value of car XXXX  XXXX worked closely with the payer insurance company and reported negative on my account to credit After XXXX  XXXX accepted the total -loss insurance payment and they never reported amount to all XXXX credit agency I filed a disputed XX/XX/XXXX because XXXX  XXXX wasn't reporting inaccurately and improperly handling my account information The only resolution was to remove however, company chose to update debt from {$35000.00} to {$3800.00} I recontacted XXXX  XXXX to reach a settlement because paying vehical early made me not subject to interest rates which would've occured throughout 5 year term We agreed on a XXXX $ payment arrangement until gap insurance check was received. 
XXXX  XXXX was offerering settlement of XXXX dollars I negotiated XXXX $ would settle debt. 
Gap insurance set XXXX $ Instead of removing negative inquries and reporting payments XXXX XXXX charged off account. This should read paid.This account was mishandled I want this account removed not updated. 
This is in violation of accordance 15 us code and 1681s2. All information reported has not been correct.Information being reported to credit agency aren't reporting same information to XXXX, XXXX, and XXXX XXXX credit agencies. 

Navy Federal Credit Union Secured credit card XXXX Card maxes out at XXXX Reports highest limit as XXXX Account was as opened in XXXX Account suffered fruad/ theft activity and underwent investigation They shared my information with XXXX XXXX that the account was potientally negative I contacted Navy Federal because payment should've been received by institution.They notated my account and updated inaccurate information report to credit institution. I want the account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent numerous letters to Equifax concerning inaccurate information pertaining to inquiries. there are 13 inquiries on my report that i have disputed as inaccurate and identity theft. i have sent numerous dispute for them to send me any and all documentation that has my signature and authorizing them to have these inquiries on my credit report but yet after many months i have yet to get any information from them as they are in violation of the fair credit reporting act and i would like them to pay for the damage that those negative inquiries has cost me and well as punitive damages per the fair credit reporting act. I also has requested the same information pertaining to a inaccurate bankruptcy that is on my credit report. i have sent many dispute on this matter and they still haven't sent me the information i requested. like all documents with my signature and all information about the dates and time of filings as well as the address. I ask that you compel them to do so since the fair credit reporting act states that i can request that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit report CHILD SUPPORT ENFORC has been reporting inaccurate information. I have paid on time every single month by them taking wage garnishments out of my check. However, on my credit report, it shows that I've been on time XXXX XXXX XXXX-XX/XX/XXXX. The somehow a collection in XX/XX/2020 then On time inXX/XX/XXXX. Then Collection from XX/XX/XXXXXX/XX/XXXX, then on Time again from XXXX. According to the The Fair Credit Reporting Act Law ( FCRA ) it is a federal law that requires credit reports to be accurate and fair.
Product: Credit reporting or other personal consumer reports

On XXXX 2023 I disputed this incorrect inaccurate information. According to 15 USC 15 USC 1681 eb / E ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates consumer reporting agency. I have attached documents as proof of XXXX, XXXX and XXXX XXXX violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a final complaint in regards to the multiple prior complaints on record which I filed with CFPB and numerous complaints of disputes via direct mail USPS for dates XXXX Present which remain entirely unresolved. 
Let this be seen by CFPB as a consistent trend by Equifax to ignore their legal obligation to consumers. I have retained the Legal Counsel XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida. 
Notice of intent to sue for not adhering to FCRA rules and regulations as a Credit Reporting agency.
Product: Credit reporting or other personal consumer reports

I disputed National Credit Systems located at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX times and still did not receive any documentation requested, which is the original contract with my signature. According to the FCRA, if they could not deliver the information to confirm the account belongs to me then they should have removed this from my credit report.
Product: Bank account or service

I was banking with US bank, after a scheduled transaction came out early and overdrew my account, US bank started to charge me at least XXXX overdraft fees per week, they would not stop.. I called and tried to cancel my account, they would not close it, every time they would try and transfer me to someone, nobody would answer, I got no help multiple times with anybody that I ever talked to and all they ever told me is we cant help you because your account is overdrawn.. the fees kept piling up and I had no way of catching up with also being unemployed
Product: Credit reporting or other personal consumer reports

I have paid off my auto account with XXXX XXXX since XXXX or XXXX of XXXXHowever late payment and account still reporting on my credit. When I reached out to XXXX was advise that though account is paid off it will not be removed from credit reporting for another XXXX years therefore interfering with my rent score and ability to get approved for a place to live. 

The delinquent account that I have with Capstone Credit and Collections has been paid off since XX/XX/XXXX but still reflecting negative on my credit report making it hard for my rent score to increase and me be able to move into a home when I made contact with the debt collector I was advised that even though account is paid in full it will not fall off of credit reporting until XXXX
Product: Credit reporting or other personal consumer reports

Theres been alot of my information exposed in a data breach. I would like to get t everything removed off my credit report within 30 days. According to the FCRA laws!!! Thank you for your time. Respectfully
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Old information on my Equifax credit report that was removed is reappearing.
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 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 XXXX  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.
Product: Debt collection

The company Americollect is trying to collect a debt on behalf of XXXX XXXX XXXX. The debt has been paid to XXXX XXXX XXXX. I sent XXXX, XXXX, XXXX the bill and proof of payment. When I dispute the charges on my credit report, within 12 hour they send a message back saying " we have investigated and the results found are accurate ''. Americollect has the incorrect balance and it is paid, Americollct is upset because the bill was paid to XXXX XXXX, and they are not willing to accept that I paid XXXX XXXX XXXX before the collection was placed. Americollect is stating a price of XXXX ( that is their own inflated price ) and the bill is XXXX and the bill payment is complete.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) regarding an unauthorized credit inquiry and the related inaccuracies on my credit report. Without my explicit consent or authorization, my credit report was accessed by TransUnion. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681b ), consumer reporting agencies are only allowed to provide credit reports under specific circumstances, such as when the consumer has given explicit permission, which in this case, I did not. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CREDENCE RM is trying to collect debt that is not mine for the amount of XXXX $ the first day of report was on XX/XX/2021 and the last activity day was on XX/XX/2021.
Product: Credit card

Someone open a credit card under my name at capital one ( Walmart ) with everything matching accept the address I had called multiple times to resolve the issue and also explained to them my situation I also have a complaint filed with the department of Agriculture regarding this issue, and a police report that was filled online. 
I need this issue resolve as soon as possible is COSTING ME AN ISSUE WITH MY NEW MORTGAGE TRYING TO MOVE TO A NEW HOUSE AND HAVING DIFFICULTIES WITH MY CREDIT SCORE DUE TO THIS SITUATION. I also have a XXXX XXXX credit card open under my name as a result of fraud I have reach to them multiple times as well the close my account but still showing on my credit report I would like that removed as well. I will attach the home depot letter stating of the fraud and also a letter of the department of Agriculture.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I use the credit karma app and they have told me that I have been approved for a loan or credit card and that it would go on my credit report for just a soft read of my credit report. That was a lie I have so many hard inquiries now that my XXXX XXXX tanked. Any advice will help thank you
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. XXXX XXXX : account # XXXX XXXX XXXXXXXX : account # XXXX XXXX  XXXX : account # XXXX XXXX XXXX  : account # XXXX XXXX XXXX  : account # XXXX XXXX XXXX  : account # XXXX has violated my rights. 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.
Product: Payday loan, title loan, personal loan, or advance loan

I got a robocall saying that I had unauthorized activity on my moneylion account. When I logged in, I saw that there were several logins that weren't from me. So I pressed the buttons the robocall asked me to press on the phone, and they hung up. I then called moneylion with some follow up questions, and they said they don't do robocalls and it must have been a scam. They then told me someone had requested {$300.00} in cash advances and taken out a {$500.00} personal loan. None of that was me. As of this moment, they are currently still working on figuring it out on their end. This happened on XX/XX/ XXXX
Product: Checking or savings account

I opened up this savings account in a Wells Fargo branch on XX/XX/XXXX, for the {$520.00} bonus promotion. The banker inputted the bonus code at the time of account opening. The promotion I enrolled in stated that I had to deposit {$25000.00} within 30 days of account opening and that I had to maintain the {$25000.00} for 90 days from account opening. I deposited the {$25000.00} on XX/XX/XXXX and kept the balance until XX/XX/XXXX. The {$25000.00} was deposited within 30 days of account opening and the {$25000.00} was in the account over 90 days from account opening. I fulfilled the requirements of the bonus, and I should have received a {$520.00} bonus per the terms and conditions of the bonus. I still have not received the bonus. Please credit my {$520.00} bonus as the terms stated.
Product: Debt collection

XXXX XX/XX/XXXXXXXX sent my account ( XXXX ) to A.R.M. Solutions, Inc. I received a notice from this collections agency on XX/XX/2018. My bank, XXXX mailed check # XXXX in the amount of {$63.00} to XXXX XXXX XXXX XXXX on XX/XX/2018. 
I spoke with 3 separate XXXX XXXX  representatives. One confirmed that they received XXXX check # XXXX in the amount of {$63.00} on XX/XX/XXXX. Two separate occasions I was assured by XXXX XXXX   XXXX that the account was fine and there had been a credit of {$63.00}. 
During this process, I received ANOTHER collections notice from A.R.M Solutions , Inc. dated XX/XX/2018 that read : '' Despite OUR CLIENT 'S ( XXXX XXXX XXXX ) efforts regarding the above mentioned account, this matter remains unresolved. We are requesting you make full payment. '' The payment of {$63.00} has been made and credited to the XXXX XXXX XXXX, however, A.R.M. Solutions Inc. is STILL requesting payment after having been contacted by their client XXXX XXXX. Why would they still need a payment having full knowledge from their client that it is no longer required?
Product: Credit reporting

I paid this in full on XX/XX/XXXX the original debt was a credit card with XXXX then went to collections with XXXX XXXX XXXX. It is still under the collections tab of my credit report I have disputed it and have given proof it was paid but the credit bureau will not delete it.
Product: Consumer Loan

Hello, I have a loan with Toyota Financial on my XXXX. In order for me to pay down my principal, Toyota requires that paper checks or money orders be sent directly to their XXXX XXXX facility. I sent my first check on XXXX XXXX ( 12 days ago ). Toyota is claiming the check has not been received and that it would still take upto 2 days to post onto the account. Note : standard mail in the U.S. takes 3-5 days, maximum, which means Toyota has had the check for 6-7 days. 
My complaint is that Toyota makes it incredibly cumbersome and inconvenient for customers to paydown the principal on loans. I deal with Student Loans, Credit Cards and various other debts where paydown of principal in instantaneous and convenient for the consumer.