23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After viewing a copy of my report, I noticed a collection account placed on my credit report from Firstsource Advantage , LLC on XX/XX/2019 in the amount {$200.00}. First and foremost, I have confirmed that the debt collector, Firstsource Advantage , LLC is not license in the state of Louisiana to collect on this debt. Secondly, Firstsource Advantage , LLC violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Firstsource Advantage , LLC? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Firstsource Advantage , LLC has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and demanding payment from me in the amount of {$200.00}.
Product: Mortgage

This is a continuation of complaint # XXXX. I have gathered the information that Ditech requested. I will attach XXXX letter from me to Ditech, XXXX letters from a lawyer to Ditech, and the information that was sent with the letters. The first letter was XX/XX/2015 preceded and followed by many recorded telephone messages that were not returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting my XXXX XXXX XXXX late XX/XX/XXXX both in XXXX  and Equifax. XXXX shows late in XX/XX/XXXX. 

This was actually an error on a XXXX XXXX XXXX XXXX employee. I went to go pay the loan and the teller forgot to notate that in the account. I actually sued XXXX and we settled because of this error.
Product: Mortgage

I was behind in my mortgage with Citibank at the end of XXXX due to temporary loss of income, I talked to them about a loan modification and they put me in a plan. I offered to make partial payments and they asked me not to, that they wouldn't take it. 

The waiting period was for many months, in the meantime they put me in foreclosure proceedings, while they were waiting for the underwriter to make a decision on my modification. At all times they told me to do not worry, that the foreclosure was normal while this process is in the works. 

Eventually in XX/XX/XXXX they modified my loan and ended my foreclosure proceedings. 
I was elated. A few months after they sold my mortgage to XXXX XXXX. 
Since then I've been able to keep my mortgage in good standards. 
Fast forward to XX/XX/XXXX, I am trying to refinance my mortgage with XXXX XXXX, they have been very helpful, I fully qualify for it, but they explained to me that they can not refinance until 3 years after my foreclosure proceedings, and they informed that my loan modification with Citi was for 37 years instead of 30. 
I know Citigroup had other ways to modify my loan and still make a profit, but they chose to do it putting me in foreclosure proceedings and extend grossly the term of my loan to maximize their gains. 
I find this actions despicable. Now I am not able to refinance as soon as I need to, and I was lured to a loan that was not clearly explained to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on NAVY FCU XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed. 
( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

In 2019, I refinanced to reduce my interest rate. I was matched with UWM ( United Wholesale Mortgage ). Within the first 2 months, i tried to setup by monthly payments to try to pay off the mortgage quicker. I was told that i need to make 2 months payments in order to begin the by monthly payments. After i made 2 months payments, i was told the money was applied towards the principle. I was told to make another 2 months of payments. After 2 weeks i called and was told the exact same thing. Within 2 months, i made 6 months worth of payments. Then COVID hit. I lost my Dad and then i lost my job. Because i had made 6 months worth of mortgage payments ( over {$25000.00} ) within 2 months, i had depleted my savings and was not able to make my mortgage payments. i applied for forbearance and was given. I am currently applying for the XXXX XXXXXXXX. The state is requesting information from the mortgage company and they are refusing to send the information. This has delayed my application for over 3 months and will cause me to lose my home to foreclosure. I also found out that the mortgage company that i thought owned my loan UWM is not the owner of my mortgage. The mortgage is owned by XXXX which owns UWM.
Product: Vehicle loan or lease

I am XXXX XXXX  owner of a white XXXX XXXX XXXX 2 door.  The XXXX was financed thru Santander Consumer USA.  On XXXX XXXX they illegally towed my car and never returned.  They never provide me court order.  I was XXXX XXXX US XXXX when I got the car and remain active when the day they illegally repossessed my car.  I would like to submit a formal complain to the Santander Consumer USA.  On XXXX XXXX I receive order to deploy to XXXX XXXX XXXX XXXX XXXX and after that I was deployed to XXXX.  I am submitting this complain in order to get my jeep back.  Failure to provide me resolution I will move forward to sue the company in accordance with the SCRA. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX WA XXXXXXXX XXXXemail: XXXXI would like to please the SANTANDER rep to call me ASAP.
Product: Credit card or prepaid card

I filed a claim with Chase/Visa via their contractor XXXX and their insurance providor, XXXX, XXXX XX/XX/2022. My luggage and its contents were destroyed in travel and, since I booked the travel with my Chase/Visa credit card, my lugagge was insured with them. Dealing with Chase via XXXX and XXXX has been impossible and I have been unable to secure reimbursement for my destroyed luggage. Despite providing tons of evidence including communications with the airline, picture evidence of the destruction, extensive receipts, e-mail communications and more, XXXX has made no progress on my claim. It has now been a year since I submitted my original claim and XXXX continues to avoid helping me. They promise that insurance examiners from XXXX will contact me, but XXXX has not reached out to me once. I am repeatedly disconnected from their phone lines and ignored over e-mail. They are unable to provide names of their employees, supervisors, phone numbers, e-mail addresses, or information about their internal business structure. These are hallmark signs of a scam. XXXX 's business practices are intentionally opaque and difficult to navigate such that customers are unable to seek recourse and process their claims.
Product: Debt collection

I spoke with a debt collector for PREFERRED COLLECTION AND MGMT at ( XXXX ) XXXX physically located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. Their mailing address is XXXX XXXX XXXX XXXX, FL XXXX. The call was made in regards to these two accounts XXXX {$120.00} and XXXX {$83.00}. She informed me of multiple debts in their office. However, she never gave the Mini Miranda. She never informed of her attempt to collect the debt or that the call may be monitored or recorded. In addition, this debt collector was practicing unlawful and unethical practices. She refused to take a payment because the debtor was not making a payment on all of the accounts ( including the ones they could not provide a validation of debt for ). I offered to pay $ XXXX since they refused to take a 1-time payment on these two accounts. She refused to set up my payment arrangement and requested that I mail the payments instead.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2021 and XX/XX/2021 my account was hacked, and the following crypto currency was stolen from my wallet : XXXX USD Around XX/XX/2021 My Exodus wallet that held my funds was running slow and glitching out, so I had to put my PIN number in again. Had a hard time doing anything with my wallet. I talked to Exodus, and you told me to turn my tablet off and on again and it would help connect to the XXXX. So, I tried that. It seemed to work a little better, but I was still having problems with it. Thats when I decided to buy a new tablet with a new email that had nothing on it. 
Moved that wallet over to that new tablet. At first, I wanted to create a new wallet, but the old wallet didnt allow me to send my funds over. Once I put the same wallet onto the new tablet and new pin, it seemed to be working fine, then between XXXX XX/XX/2021 I did not use the app at all, nor did I look for it whatsoever ( please see screenshots attached below ) and when I opened it a few days later all my funds disappeared. 

I contacted Exodus more than once stating that my account was hacked and they are not taking responibility for this, and not helping in any way, they neglected me and even sent me a letter from their lawyers.
Product: Student loan

I had originally took out a {$5000.00} private student loan through Sallie Mae. The loan was then sent to Navient for servicing. I have been paying on the loan for 10 years. I've paid over {$9000.00} on a loan that was only {$5000.00} and still have a balance of {$1600.00} left. I was told that the rate was variable which was never discussed with me when I took out the loan. Currently the interest rate on the loan is 15 % and I was advised that nothing can be done to lower it because it is based on the federal reserve. At this rate, I am never going to be able to pay the loan off.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX {$980.00} XXXXXXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$200.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX   XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

Hello! 
I accidentally sent money to the wrong person on Venmo on XXXX in the amount of {$1300.00}. 
Venmo tells me there is nothing they can do and that's it. 
The person gets to keep the money. 
I can not believe that they can not do anything and Venmo is not responding to any of my requests for inquiry. 
I have contacted the person I sent the money to on several occasions and and they are not responding. 
What do I do now? They are not assisting in any way. 
Any help would be greatly appreciated! 
Thank you, XXXX XXXX : XXXX XXXX Request for inquiry # XXXX
Product: Credit reporting

XXXX a Giant in the communications world feels the need to continue reporting negatively on my credit report I an Fully XXXX and have paid the creditor in full account XXXX continues to report negatively simply for sport
Product: Credit card or prepaid card

My card was charged for XXXX $ on XX/XX/2023 in XXXX Michigan while I was in Ohio which is shown below.
Product: Debt collection

KLS released information via email about a debt I owe to my boyfriend. They emailed him the collection notice and a copy of the bill which included my address, phone number, insurance information and policy number.
Product: Vehicle loan or lease

I purchased what was marketed and presented to me as new vehicle on XX/XX/XXXX from XXXX XXXX XXXX located in XXXX, OH. I signed a finance agreement for a new vehicle. On XX/XX/XXXX I went in for routine maintenance for the vehicle and was told that my warranty was expiring in 44 days. I asked how this could be when I was told that the new vehicle has a XXXX month XXXX mile warranty on the vehicle and that my vehicle was a certified preowned vehicle and not listed as a new vehicle. I reviewed this with the salesman who brushed it off. I contacted XXXX Customer Service and was informed that my vehicle was indeed a certified preowned vehicle. I brought up my concerns to capital one auto finance dealer complaints department. I was contacted by a representative today XX/XX/XXXX I was informed that she ran the XXXX report on my vehicle and it also shows the vehicle as certified pre owned vehicle. The Capital One Auto Finance representative then advised me that she reached out to the dealership and was told by the dealership that the vehicle was a demo car and not a new car and that they do not require the dealer to disclose this information unless it is a requirement by state law. I advised that in the state of Ohio they are required to disclose if the vehicle is a demo and the capital one rep explained that it was nothing that they could do because the vehicle would meet new vehicle guidelines per the company policy because it has under XXXX miles on it at the time of the sale. I asked for some proof that she was told that the vehicle was a demo vehicle and the rep at Capital One Informed me I have it already if the information that I have is showing that the vehicle is preowned and if I needed anything for a lawsuit that is the only time they are willing to help. Capital One allows this type of deceptive business practice. I should not have paid new car prices for a pre owned demo vehicle that was not disclosed to me. This is affecting the value of my vehicle and it not what I agreed to and am paying for. I attempted to reach out the dealership who assures me that the vehicle that I purchased was a new vehicle and not a certified pre owned as listed in the XXXX systems and on XXXX reports. When I asked why XXXX and XXXX are saying otherwise he was not able to offer me any explanation and could only say the vehicle was a brand new vehicle and that is why I received a tax rebate. I asked why would a new car have a certified preowned warranty? The only response I received was I do n't know. When I asked if the vehicle was a demo he said that you can call it that and maybe it was used by the dealership employees or some customers may have driven it. The General Manager offered no solution to the problem. I am stuck with paying new car price for a certified pre-owned demo. What I agreed to finance is not what I received and have been paying for.
Product: Student loan

Dear Staff, today, XX/XX/XXXX I contacted Navient concerning my private student loan and the eligibility requirements for the Navient Settlement. I was told initially, that my private loan was not eligible then, i was told no one could see if my private was eligible or not. I am attaching my loan history to provide evidence that my loan was attained between XXXX XXXX, while attending XXXX XXXX University and University XXXX XXXX, and was delinquent beginning XXXX more than 11 consecutive months, which is prior to the deadline and I have a subprime rate.
Product: Credit reporting or other personal consumer reports

none of these companies possess a copy of my identification, nor have they acknowledged receiving one to the best of my knowledge. It raises a significant concern that these accounts were furnished without proper verification of the account holder 's identity. I did not personally initiate the opening of any of these accounts in a branch or elsewhere. Whatever form of identification was submitted in relation to these accounts does not accurately represent my identity. I am left wondering why these discrepancies are being associated with my name and affecting my credit profile. 

the accounts in question are as follows THESE WERE ALL FRAUDULANTLY OPENED ACCOUNTS AND I NEED THE INFORMATION I REQUESTED WHICH IS REQUIRED BY LAW MY IDENTIFICATION MY SIGNATURE SENDING ME A ACCOUNT WHICH WAS FRAUDULANTLY OPENED AND SAYING IT WAS MAKIGN PAYMENTS DOESNT PROVE LEGITAMACY IF THEY MY IDENTITY WAS STOLEN/ COMPROMISED THIS IS OBVIOUSLY SMOEONE PRETENDING TO BE ME XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$4700.00} XXXX. XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Account number Date opened XX/XX/XXXX I am writing to express my deep concern regarding the investigation conducted by your agency, as well as the ongoing issue with certain accounts on my credit report. 

At the time these accounts were opened, it is my understanding that my identification was not provided, and there was no evidence of my signature or consent to open these accounts. To clarify, my uncle XXXX XXXX had opened these accounts in my name without my consent. Regrettably, upon his passing, I have discovered that my identity was compromised, and he had been using my name for various financial services, including cable, bank, and credit card accounts, as well as cell phone services. This revelation has shed light on why these accounts have been maintained under my name, even though I had no involvement in their establishment. 

I would like to emphasize that I was unable to engage in any financial transactions or manage such accounts between XXXX and XXXX, due to personal circumstances that I would rather not discuss in detail. but for the important part i was not in the country Your attention to this matter is greatly appreciated, and I look forward to a swift resolution.
Product: Mortgage

We have been struggling to get assistance from SPS since our mortgage was sold to them by XXXX XXXX XXXX. In XXXX our mortgage was sold to SPS and it took over 6 months ( almost a year ) for us to be acknowledged as successors in interest. We actually had to make a previous complaint and they finally called us and said ok we will make a payment plan with you guys so that we could catch up and begin to pay our mortgage. The payment plan they offerred would have required us to pay double our mortgage payment to catch up and nothing went towards the arrears so we suggested a plan that would pay towards the arrears and pay on the current mortgage which was denied! We were then told that we can not pay on our mortgage unless it was the full balance owed. Then CORONA hit!! We submitted a loss mitigation application in XX/XX/XXXX. We submitted our information over and over again and SPS kept sending letters saying we were missing information. After calling and emailing throughout the pandemic now XX/XX/XXXX they are now saying that all of our info in submitted andour application was complete as of XX/XX/XXXX and now 30 days later it is XX/XX/XXXX and they quickly denied us for a loan modification and assumption within 2 weeks after having our application for a year!!! We are constantly being denied assistance to pay our mortgage. We are constantly being denied any payment arrangement or being offered an arrangement that is so large that they have forced us into foreclosure we believe for the betterment of the company and not homeowners who have faced a terrible financial loss. We believe that SPS is not acting in good faith especially during a pandemic. We will resort to requesting a hearing as per CPLR 34087. SPS has never offerred us any assistance or allowed us to make payments to remedy this foreclosure. SPS has taken so much time verifying documents that have been sent in over and over to purposefully waste time and accelerate a foreclosure proceeding.
Product: Payday loan, title loan, personal loan, or advance loan

For the last 14 months Upgrade.com has been the by-XXXX XXXX of a title ( auto ) loan made to me by the XXXX XXXX XXXX XXXX XXXX 
Since XX/XX/XXXX I have made ( 4 ) phone calls and ( 6 ) emails ( as below ) in an attempt to have them correctly send my title information held by your bank and Upgrade to the XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX failed FOUR TIMES to do this correctly over five months- with two documented times they just googled an address, did not follow instructions, and sent it another address or so they claimed.

Three weeks I go I had my local bank help me buy my loan back from XXXX and pay off your XXXX XXXX. 

They have YET to send me MY auto Title to register my car in my new state despite I have paid off my loan. 

It is my hopes you can cut out the middleman or by proxy lender and get them to SEND ME MY TITLE. 

I would like to be able to drive my car legally after six months of waiting for XXXX, stupid customer service team to complete a simple task that should be part of their daily routine as an auto loan servicer by XXXX. 

Please respond as soon as possible via email. 
Sincerely XXXX XXXX
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 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  has violated my rights. Or list of inquiries 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.