23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Wells Fargo Dealer Services provided financing for my brand new XXXX XXXX XXXX XXXX which I purchased at XXXX XXXX XXXX of XXXX in XXXX XXXX. Late in the year XXXX I was the victim of identity theft and with damaging information still on my credit at the time I was not able to get financing through XXXX XXXX XXXX as I was on my previous brand new XXXX XXXX. 

Having previously only worked with banks and finance companies such as XXXX XXXX I found the experience with Wells Fargo Dealer Services to be as surprising as it was unpleasant and predatory. For XXXX good starting example, the loan was originally written by WFS Financial which later became WFS Dealer Services which later became Wells Fargo Dealer Services and though the name changed the bad experience remained the same. 

Soon after purchasing my XXXX XXXX XXXX my professional and financial situation took a turn for the worse and within the XXXX XXXX payments I fell behind by XXXX month and very nearly lost the car to repossession. For the next XXXX ( nearly XXXX ) years and with much difficulty I managed to make the payments and ultimately pay off the loan in full ahead of term in XXXX XXXX. The loan was for XXXX years, the amount financed was approximately {$15000.00}, the total amount paid by me was approximately {$30000.00} and the interest rate was approximately XXXX percent annually. 

Over the course of the loan during my difficulties the named finance company increased my rates and payments and charged me for unneeded services such as auto insurance stating inaccurately that I did n't have any insurance on the car. They also stated that there were no provisions available to their customers who were having financial difficulty until the customer was able to show that their situation had improved. 

One thing I will give them credit for is being honest and upfront with me ( once I was a customer or victim ) about the predatory nature of how they did business. As a professional adult who has done hard business I do also realize that dealings are not always going to be necessarily pleasant ; however, my experience with this organization was so indescribably horrible that I am literally starting to shake as I type thinking about it and it ended nearly XXXX years ago. XXXX experience in particular in XXXX when I first fell behind was a phone conversation with a " XXXX XXXX '' who told me she would help by repossessing the car was the most unpleasant and unprofessional conversation of my life to date and I am XXXX years old. 

Early this year I paid cash for a used XXXX from an independent dealer and I may never use a large dealership such as XXXX XXXX or dealer financing ever again largely as the result of this experience. 

The summary of this complaint is that Wells Fargo Dealer Services, using a number of different names, demonstrated predatory practices in their handling of my auto financing such as excessive fees, interest and unneeded and overpriced services such as insurance all while providing a nightmarish customer or victim experience.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the handling of a charged-off account by Capital One, which is reporting inaccurately across all three credit bureaus : XXXX XXXX XXXX XXXX 

Account 1 : Account Number ( Last 4 Digits ) : [ XXXX ] Account 2 : Account Number ( Last 4 Digits ) XXXX XXXX XXXX XXXX XXXXccount 3 : Account Number ( Last 4 Digits ) : [ XXXX ] Inaccurate Reporting : Capital One is reporting these accounts as " charged off '' across all three credit bureaus. However, despite the charge-off status, they are still attempting to collect the debt by sending collection letters via email. This dual reporting is misleading and unfair. Failure to Issue a 1099-C : As of today, Capital One has not issued a 1099-C form, which is required for canceled debts exceeding {$600.00} under IRS guidelines. This raises questions about the accuracy of their reporting and whether the debt has truly been forgiven. 

Negative Impact on My Financial Health : This reporting has caused significant harm to me : Financial Harm : I have been denied for credit cards and loans due to the negative status of this account. 
Emotional Distress : The situation has caused me stress, XXXX, and financial uncertainty.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022, and XXXX XXXX, I have sent XXXX XXXX, Equifax and XXXX, an certified letters informing them that my credit report shows ( 11 ) different names, Social Security numbers and different address in various states that I have never lived in. 

I have lived at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX for over 15 years. 
my current credit reports that I pulled, shows XXXX XXXX  address, etc. 

There is also over eleven ( 11 ) social security numbers on my report. 

a list of names that are not mine ( e.g., XXXX, XXXX, XXXX, ) I have provided a copy of my recent bank statement, a " Extra Large '' Copy of my XXXX Drivers license with my Social Security card so that you can hopefully, assist me with this nightmare. 

I have not received a resolve from any of the three credit bureaus. I have checked my credit reports again, and the mis-information is still on my report. 

According to the Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Please assist me with resolving this matter. 

I look forward to hearing back from you soon.
Product: Vehicle loan or lease

Made a XXXX XXXX  payment on XXXX XXXX XXXX XXXX on car loan. It was a cash payment with cash box XXXX  and transaction XXXX XXXX that processed on XXXX Monday they have never posted this payment stating its lost and it is now taking over 30 days to correct they reported my account as 60 days late. I made an online payment XXXX XXXX XXXX and that has not posted but left my account I called supervisor XXXX and XXXX and multiple others 12 times and they state they have a ticket open. I have had them make notes I received an email regarding repossession and Im up to date with the Loan but they have not posted my payments to my account I need legal assistance because chase refused to find those payments saying they dont know why they cant see them
Product: Vehicle loan or lease

I granted the right to extend credit today, XX/XX/2021 to XXXX OF XXXX! XXXX of XXXX financial and XXXX XXXX XXXX both received payment off of my transaction! I continuously told the representative repeatedly that I was completing a consumer credit transaction and that my signature and social security card is sufficient enough to secure the car! Federal law states The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit pursuant 15 usc 1602 ( l ). I told the representative I was giving an oral consumer report and assuming a vital role over my life. 15 usc 1681 ( a ) ( 3 ). I am the consumer, natural person and original creditor. I am not the fictional entity. 15 usc 1602 ( f ) Credit is my XXXX given right granted, not a privilege and no organization can tell me what I am worthy of! They used my credit card ( ssc ) and placed an hard inquiry on a consumer report, but denied me. Its aggravated identity theft! 18 usc 1028a I am well aware of the process of a consumer credit transaction & the banks are borrowers, I am a lender! A Security Exchange was supposed to take place, but it did not! They took my security and gave me nothing for it!
Product: Checking or savings account

Chime Mobile Banking app provides a service in which their customers may get their pay two days early. While this of course is a privilege and not a right, it is my right to have my money deposited into my account by the end of payday. This has not happened, it is the weekend and no banks send out direct deposits over the weekend so I have to wait until Monday and theres no guarantee that it will even be here by then. I have bills to pay, mouths to feed, we all do, and Chime Mobile Bank is running a scam. They are not being honest and consistently give customers the runaround when they are contacted.
Product: Mortgage

6 years ago i am in a loan modification with ocwen loan servicing i have the documents for the first 5 years its 1 percent second 5 years 2 percent, i am in the second year in which i should pay XXXX a month, i understand escrow goes up a little for insurance and taxes but mine went up XXXX dollars for XX/XX/XXXX, XXXX, and XX/XX/XXXX from XXXX to XXXX and now XX/XX/XXXX is XXXX what the heck is going on, you ca n't get a clear answer and they ca n't explain it now they want me to do a new modification so they can get more escrow. second they sent a letter stating i owe over a XXXX dollars in which i do n't, if you take XXXX for 3 months is XXXX and i pay XXXX for 3 months like i should that is XXXX in which is XXXX not over a XXXX dollars i talked to them several times and i get a different answer every time these people are idiots and you ca n't talk to them, i had read several complaints about ocwen loan servicing, my escrow was XXXX times XXXX is XXXX my insurance and taxes is XXXX now they want XXXX a month in which is XXXX why why why, like i said i can understand a little but not XXXX dollars i never seen a mortgage bounce from XXXX to XXXX for 3 months and back down to XXXX,
Product: Debt collection

I was applying for places and was wondering why none of them were accepting and it was due to a low credit score and it came to my surprise that was the reason due to me paying all my bills and only using XXXXXXXX XXXX  card, my XXXX XXXXXXXXXXXX XXXX card is the only one I use, sure enough my data was breached and opened up a credit card account and noticed fraudulent charges of up to XXXX dollars overtime on the credit card used, it was clearly maxed out and left to stay as debt, i have no connection whatsoever to this account even though my information was put in due to identity theft.
Product: Debt collection

This account is in direct violation of 15 USC 1692g I was not notified of ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed and 3 within 5 days of the initial communication. The next time I contact you I will be sending an Affidavit notarized with an invoice and exhibits and violations you have broken by placing this consumer report on this account.
Product: Mortgage

Good afternoon Im having a problem with you when the worst company to deal with and then nastiest workers them also do not care to do their job two years now Im trying to assume the loan to take off someone off of my loan because they are not contributed to my loan and these people are refusing to take him off my loan every day they find different excuse to take him off of the loan, the first excuse, I did not send in the correct documents the second excuse I have to refinance the next excuse reviewing loan originating documents stated that I can not assume the loan there are so many excuses from this company it need to be investigated.
Product: Credit card

My card and my XXXX phones along with personal information was stolen and used without my authorization. When I reported it to the credit card company ( Discover ) they initially said I was not responsible. They later denied the credits as their arguments were first it was used in stores I had shopped before and secondly the charges were verified via communication that was on the account such as phone and email. 

I told them that whoever used these cards had my phones and emails therefore it could easily have been verified by anyone. Furthermore, I was working during the times the fraud happened so there is no way I am responsible for this. I even sent them a verification letter and police report to show them it was not me. 

Please reverse all these transactions and stop hurting my credit rating. 

The card in question is with Discover and ends in XXXX Thank YOu
Product: Debt collection

This Auto loan was actually taken out with XXXX XXXX XXXX in 2017 and payments have NEVER been late until the COVID-19 Pandemic outbreak in XXXX. I applied for ONE MONTH deferral on XXXX XXXX website but NEVER GOT A REPLY. Paid TWO subsequent months in XXXX and XXXX to XXXX XXXX through my online account. Tried to pay for XXXX and the next thing I know was that my account was de-activated without communication. Account was passed on to XXXX XXXX and I have been inundated with phone calls even at odd hours. Reported XXXX XXXX to XXXX XXXX XXXX for unfair business practice and XXXX XXXX XXXX NEVER got a reply from them. There was no explanation why my account was passed on for collection and I really feel I have been treated unfairly. I agree for the amount owed but I need to continue with my online payments with XXXX XXXX XXXX and NOT with the collection Agency. Every other businesses and corporation are working with their consumers and I do not understand why XXXX XXXX is /should be different. I have NOT received any communication for this change in action. No payment stubs/Account details.
Product: Vehicle loan or lease

the company is taking my payment for my due car note and subtracting fee from it then reporting me to credit breau as late!
Product: Credit card

I have made regular payments on my credit cards over the past 3 months. As of today XX/XX/XXXX my payments have still not been reported to either 3 credit bureaus to reflect the new balance owed. I am aware an update can take up to 30-60 days. As of today, for the past 3 MONTHS, my credit report has not reflected payments made thereby reducing the balance owed & reporting no payment in 3 MONTHS!!!!!. There has not been an update to 3 of my credit cards ( PLEASE CONTACT ME FOR ALL 3 CREDITORS ) BUT XXXX is one, with a correct balance reflecting payments received. I have reached out to the companies & filed a dispute with the credit bureau only to receive a response, from the credit card company saying the information is correct!!!! UNBELIEVABLE!!!!!! THIS IS ABSOLUTELY NOT TRUE. I can provide payment history and confirmation numbers of payments submitted regularly with no reduction seen in my reported balance in 3 MONTHS. I recently filed a complaint due to " Erroneous '' reporting against one of these creditors. This company did nothing more than remove the " X '' marked against my account ONLY after I filed a complaint but never updated the account to reflect payments RECEIVED which would show my " correct '' balance. Hence each of the 3 companies continues to maintain my balance at the same amount it was 3 MONTHS AGO, since XXXX!!!!! 

I am asking that an investigation be completed by the 3 credit bureaus to include proof of payments RECEIVED and verify the balance reported BEFORE OR AS OF XX/XX/XXXX to illustrate my new balance had not been reported and updated accordingly. In fact, as of XX/XX/XXXX MY CREDIT SCORE DROPPED AN additional " XXXX XXXX '' even though I continue to honor my agreements with monthly payments, even above the minimum amount due. I should not have to wait 3 months to have my balances updated to reflect payments made AND REPORTED TO ALL 3 CREDIT BUREAUS.
Product: Vehicle loan or lease

In Georgia, the lienholder must provide a certified copy XXXX prior to the car being repossessed. 

Bridgecrest must provide a copy of the last payment made by the creditor. As well as provide a copy of the Sales Auction notice which was sent to the creditor as to whether it was a Public or Private sale. 

All documentation must be provided-A debt Validation letter, the last payment made by the creditor-NOT the AUCTION Sales payment. 

Then all documentation on where the creditor was informed 10 prior to Repossession.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the incorrect items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new complaint that I am a victim of inaccurate credit reporting and I write to dispute certain items in my file resulting from the issue. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an erroneous credit report details : Experian XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX Balance Owed : {$5500.00} XXXX  XXXX Balance Owed : {$10000.00} -- XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX Owed : {$5700.00} XXXX XXXX Balance Owed : {$0.00} - Previously Late/Closed XXXX  XXXX Balance Owed : {$10000.00} - Previously Late/Closed XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed XXXX {$5500.00} XXXX  XXXX XXXX XXXX : {$10000.00} XXXX XX/XX/XXXX. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX Date Opened : XXXXXXXX XXXX XXXX
Product: Checking or savings account

The owner of the account was my son. XXXX XXXX XXXX. He died XX/XX/2022. 
I am his father. My name is XXXX XXXX XXXX. I am in charge of his small estate. I have sent the required documents to the PNC bank to close the account and forward any remaining funds to me. I sent an original Certificate of death, The Colorado affidavit noterized naming me, and a cover letter to them in XXXX of this year. They are not doing anything but running me around. 
I mailed the items, per their order to PNC Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, Mail stop XXXX. 
I have called them weekly and now daily since XXXX. 
They are not doing anything, and I need this to get over. 
My number is XXXX. The bank will not let me talk to the department. I have to go through customer support and they are trying but nothing is happening. 
XXXX 's account number is XXXX XXXX XXXX. 
I am at wits end and need help. 
Thanks, XXXX
Product: Mortgage

My previous loan company charged my escrow for insurance. I never requested this as I have paid my insurance company, XXXX XXXX, directly. The yearly premium was paid days before my loan was sold to Select Portfolio Servicing. My insurance company alerted me to the fact that I was actually paying twice for insurance. XXXX XXXX returned the money to my mortgage company with the understanding it would go back to my escrow. The check was cashed on XX/XX/XXXX. I had sent a letter asking for my insurance portion of escrow to be closed on XX/XX/XXXX. I did not receive any of this money back from my escrow account. I was sent a check for monies collected for XXXX as my escrow amount did not change after they acknowledged receipt of my request to end my insurance portion of escrow. The amount due back for XXXX would be {$2400.00}. 

In XXXX of this year I realized that I had not received a receipt for my property taxes for the year on XXXX. I called XXXX XXXX collector for XXXX XXXX, MO and was told that they had not been paid. I immediately called Select Portfolio Servicing and inquired why the taxes had not been paid and that they were now overdue with penalties involved. This was on XX/XX/XXXX. I decided to end my escrow for taxes and sent a letter to them asking for the tax portion to be closed also. I also emailed a copy of the tax bill to their escrow department that day. The taxes were finally paid on XX/XX/XXXX. I was informed on XX/XX/XXXX that Select Portfolio Servicing was advancing me {$1100.00} for the purpose of paying my XXXX taxes because I was derelict in paying them myself. 

I paid {$290.00} monthly for my escrow. Even taking away the insurance portion of escrow should have left {$1.00}, XXXX remaining for taxes. My tax underpayment should only have been {$43.00}. I never received an escrow analysis which should have been sent when I closed the account. I sent a letter to Select Portfolio Servicing on XX/XX/XXXX requesting an explanation of where my escrow funds went. I have received no answer so I am reaching out to you seeking the explanation and the money they owe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii  ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, .DEPT OF ED/NAVIENT ( still reporting ), XXXX XXXX XXXX has emailed me that they will be selling my information yet again to XXXX XXXXXXXX. I have not authorized this nor should be reporting on my report, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character.