23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I missed maybe two payments to XXXX  XXXX XXXX last year between XXXX and XX/XX/2022. I was good at making monthly minimum payments and once I missed a few they would repeatedly harass myself and my husband and call numerous times of the day. I went to make a pament but my account had got shut down from the online payment option and I could no longer just call and pay it off over the phone to XXXX  XXXX XXXX, they put the small amount I had left in debt collection and then from there I was continually harassed by Outsource Receivables Management. I tried to call today to just pay it off, but there was going to be a fee of {$7.00} ( I think ) to pay over the phone. I do not think that is fair at all, I have also been charged interest because of the lack of payment and I do not find that fair considering I have tried to make payments.
Product: Payday loan, title loan, personal loan, or advance loan

Owed part of the {$10.00} XXXX penalty the CFPB ordered from TitleMax. This is for unlawful title loans and overcharging ridiculous interest & fees. They was supposed to communicate with me clearly & conspicuosly at the time of sending their contract. I am a victim of this useless product. Also it said on the contract I have a finance charge of {$840.00}, than why would I pay {$6800.00}.
Product: Mortgage

Understanding from my original home mortgage loan lender. I could request the PMI insurance removed once I've paid down to 80 % of loan value. My mortgage loan was sold to Planet Home Lending within months after getting the loan. I contacted Planet Home Lending in XX/XX/XXXX about removing the PMI. I got a response from Planet Home Lending, informing me of the 80 % loan amount to have the PMI dropped. Now, I have met those requirements, and requested the PMI removed. Planet Home Lending are saying I do not meet their requirements. I have a copy of the email from Planet Home Lending, stating the only requirements to be made. I will like Planet Home Lending to honor their word per email response. I have copied the email for viewing ... .. 


XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX to cs On my home loan # XXXX, what is the amount needed for my PMI removed? How do I get my PMI removed on my home mortgage? I would like to pay down the house, so I can get the {$59.00} mortgage insurance removed. Thanks! 

XXXX XXXX XXXX, phone : XXXX XXXX XXXX XXXX XXXX XXXX Mo. XXXX cs_m XXXX XX/XX/XXXX, XXXX PM to me Thank you for contacting Planet. 

We apologize for our delay in responding. 

Currently we show your loan to value ratio is at 92.7 %, you may request cancelation of MI when reaching 80.0 %. 

Based on the original amortization you were expected to reach this percentage by XX/XX/XXXX, you will reach this percentage sooner since you are adding additional funds towards principal. 

You will be at 80.00 % when your principal balance is approximately at {$200000.00} currently your principal balance is {$230000.00}. This is an estimated difference of {$32000.00}. 

If you have any additional questions, please do not hesitate to contact Customer Service Monday through Friday, XXXX XXXX  - XXXX XXXX  EST at the number listed below. 


Thank you, Planet Home Lending , LLC CUSTOMER SERVICE DEPARTMENT P : XXXX F : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Acceptance Corp have been on my credit report for 7 years as of XXXX XXXX XXXX and they are making me stress and putting false thing on all my credit and reporting it will not be removed until XXXX which is what going on with this company and reporting this to my banks putting 5 late payment and 11 collection and and report one Default loan on XX/XX/XXXX I did not apply for any loan with this company on XX/XX/XXXX I want them to be removed I not allow company this retaliation against me nor pully me in anyway I will write my Governor XXXX XXXX in my state of Virginia and let him know what is going on with this company and XXXX  to do this to me is this person working with Credit acceptance are they paying someone to do this in the credit bureau because it is not on XXXX or XXXX but all the other credit agency have it posted I have been finding this on a lot of credit agency .This is not a new credit it is 7 years old XXXX XXXXhis should be removed as of XX/XX/XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Back in XXXX of 2020 when the pandemic had me out of work for almost a year and half, I missed one payment with Nordstrom credit card services, and it was reported during that time. I need help getting that missed payment removed from my credit report. This pandemic has beaten me down financially I have no savings at this point Im trying my best to correct my financial status and my credit is vital in that aspect. I would really appreciate some help with this issue. My payments have always been on time besides this one unfortunate issue. Ive still remained a loyal customer to this retailer despite all that has occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone has opened numerous accounts in my name. I have reached out to the credit bureau 's to help me resolve this problem. its been over 30 days with no reply. I feel like i'm being taken advantage of. this situation has been extremely stressful. I have sent in my police report an disputes. I have called the company 's to try to resolve with no help. I feel im being ignored. If something its done soon I will be forced to seek litigation. The law clearly states that I should be contacted with in 30 days Of the start of the investigation. Which I have not been. My info was also compromised by the XXXX  data breach. I am a victim an I will not continue to be bullied. Please look into this immediately. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT IN THE ATTACHED LETTER HAS BEEN PAID FOR IN A SETTLEMENT AND THE COMPANY HAS AGREED TO REMOVE THE ACCOUNT OFF MY CREDIT FILE. THIS ACCOUNT HAS BEEN DAMAGING MY CREDIT AND I'VE BEEN FIGHTING TO REMOVE THIS ACCOUNT OFF MY CREDIT FILE FOR QUITE SOMETIMES. PLEASE SEE THE ATTACHMENT AS PROOF OF THE SETTLEMENT AND HAVE THE ACCOUNT REMOVE BASED ON THE AGREEMENT.
Product: Vehicle loan or lease

Flagship is reporting to XXXX XXXX, XXXX  and XXXX, I XXXX days late for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. While logged into my XXXX account it clearly shows no late payment for any on the month except XXXX and I have submitted to them the canceled check they cashed from my bank. I also have XX/XX/XXXX and XX/XX/XXXX payments to support all my payments to XXXX but yet they still refuse to remove the in correct information from my credit report. I will be happy yo email my proof of payments to you to support my dispute at request.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX XXXX XXXX is reporting inaccurate information on JEFFERSON CAPITAL SYST. 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: Mortgage

In XX/XX/XXXX we paid off a mortgage loan with Chase bank. The mortgage loan was secured by property into adjacent counties. Chase bank release the lien in one county,  XXXX, but not in XXXX County. After we received a contract for sale on this property we were informed by the closing attorney that there was an outstanding lien with Chase. I contacted them on XX/XX/XXXX And have made numerous phone calls since then and still can not get them to release the lien in XXXX county. The closing on our sale was yesterday, and it is on indefinite hold until this is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the referenced account ( XXXX XXXX , XXXX | Acct # XXXX   ) on XX/XX/XXXX with Experian. Experian credit report of XX/XX/XXXX showed this account item was deleted from my credit file. A subsequent credit report of XX/XX/XXXX ( Report # XXXX ) and credit report of XX/XX/XXXX ( Report # XXXX ) continued to show this account item deleted from my Experian credit file. Now this account item has been reinserted on my Experian credit report.
Product: Vehicle loan or lease

We purchased a car with Carvana on XX/XX/XXXX. We had outside financing and decided to increase the downpayment to them. Because of that, we just paid the downpayment to our lender and the lender cut Carvana a check for the full purchase price of the vehicle. Carvana still took the original downpayment amount out of our account using the ACH form. Carvana received the full purchase price plus the amount of our original downpayment. We have followed up with Carvana three times since then and they keep saying that we're in line to get reimbursed. We have not yet received the reimbursement.
Product: Payday loan, title loan, or personal loan

CFPB closed my original complaint ( # XXXX ) and GoodLeap lied as they never responded to me. Request you not close this complaint until they respond to one of us. 

GoodLeap is applying different methods from month to month on how they process payments. I sent a {$50.00} payment in XX/XX/2021 with instructions to apply it to my principal. It was only applied to interest. By the load agreement, my first payment was not due until XXXX XXXX XXXX. Then in XX/XX/2021 I sent in an additional {$100.00} principal. Then on the due date they elected to only debit my account {$42.00} instead of {$140.00} and they elected to split the payment ( {$84.00} for interest and XXXX for principal for the two XX/XX/2021 payments ). The also failed to provide me monthly statements in XXXX and XX/XX/2021 until I filed a complaint with the XXXX For two months I had no insight into how payments were being applied or my loan balance. When I went through the details of daily breakdown of changes, I noticed that on XXXX XX/XX/2021 my daily interest accrual went up while my loan balance and rate remained constant. This also happened on XXXX XX/XX/2021. In fact, with a lower principal than my initial opening balance my interest per day is actually higher on XXXX XXXX ( {$2.00} vs. {$2.00} at the beginning of the loan ). GoodLeap will not explain exactly what they are doing nor will they provide answers to why my account is not always up to date. I have been overcharged interest on this loan. I was effectively charged {$160.00} in interest for XXXX ( counting the {$50.00} sent in XXXX ) and the loan agreement states the XXXX payment was only to be {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that they have properly investigated but how is that possible if the accounts are showing past due amounts on charged off accounts this is ground for removal I have made several disputes with XXXX  XXXX account # XXXX # XXXX I contacted XXXX XXXX back in XX/XX/XXXX and was referred to call XXXX and XXXX I originally called XXXX XXXX because the account was charged off at {$2400.00} but had a past due amount of XXXX and the other account was charged off at XXXX with a past due XXXX which XXXX  XXXX advised me to call the collection agency according to the fcra once these accounts are written off as bad credit it either can be transferred or sold to to a debt collector the rules also state once a account is transferred to another agency for collection the account should have a XXXX  balance and no longer have a past due amount at that higher then what was charged off this is a factual inaccuracy. For instance, if the account was transferred or sold to a collection agency, then the past due amount should be at XXXX. If the past due amount is reporting on your credit report for a charged-off account, that is incorrect reporting. I have been disputing since last year and at this point I am asking for immediate DELETION for inaccurate reporting with the Bureaus I have made several disputes from XX/XX/XXXX XX/XX/XXXX and I have made several complaints with your agency please see all previous complaints They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Checking or savings account

On XX/XX/XXXX I went into a Bank of America Branch in XXXX, XXXX  and reported my card missing and had my card closed and was issued a temporary card. I started using my temporary card right away and didn't know my card that I was told was inactive/closed was still being used as well. While I was living in XXXX and have proof of me not being in the areas of my stolen card being used. The total amount was XXXX that I deserve to be credited as I went in and closed the card before any of these transactions had happened. They are telling me I might of given my card to someone but that makes zero sense since I went in and closed the card right away before any of the transactions even happened. I have plenty of bank statements anything that needs to be supported. If this doesn't get resolved now the next step will a lawsuit.
Product: Credit card

I have some dispute no resolution with XXXX XXXX XXXX {$1000.00}, XXXX XXXX {$1000.00}, total of {$2100.00} never received the service for both order. Why chase requires me to pay for them? Whys chase pay for them and make me pay for chase credit card? Please help me resolve it. Thank you!
Product: Vehicle loan or lease

I have contact the loan company about this car witch was sold to insurance company and this was back in XXXX  they refuse to close the account and keep adding money on to the loan after the car was sold to insurance and they sent the title to the insurance company this account should not even still be open
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo wrongfully reported me late for the month of XX/XX/XXXX attached is a statement that shows I paid in XXXX my XXXX payment and also another payment for the next month and never applied it or XXXX payment then reported me late. 
Ive called them and they claim that I am not allowed to pre pay a month in advanced, when I asked them to show me that in my contract where Im not allowed to do so - they replied that it doesnt show anywhere in the contract where I am allowed to prepay next months mortgage payment. 

Please advise
Product: Debt collection

I have gotten the response to the last complaint and have determined it does not resolve my complaint. LVNV is continuing to respond to previous disputes with a print out of a bill which they could have purchased from anywhere. There has been so many company data breaches around the world.  As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification I received a letter from the president of XXXX XXXX XXXX and they informed me that I am no longer liable for this account and that it will be cleared from my credit history. Therefore I no longer owe LVNV for this account as well since this credit card debt has been cleared from my history. Attached is the document sent from president of XXXX XXXX XXXX I am again formally requesting a copy of any documents, bearing my original and complete signature, showing that I have a legally binding contractual agreement obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The collection item you are showing is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining  a careful record of my communications with you for the purpose of filing a lawsuit should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my original complete signature may result in a small claims action against your company. I will be seeking a minimum of $1,000 in damages per violation for. -Defamation-Negligent Enablement of Identity Fraud-Violation of the Fair Debt Collection Practices Act (including but not limited to section 807-8-Violation of the Fair Credit Reporting Act (including but not limited to section 623-b) You will be required to appear in a court venue local to me, in order to formally defend yourself. Attached is a letter from the office of the President of XXXX XXXX XXXX showing that they deleted the history of the trade line with them. Which means I no longer owe this debt that you are inaccurately reporting.
Product: Credit reporting or other personal consumer reports

I have 2 accounts on my credit report under collections that I recently paid in full with the agreement from the creditors to remove the account. My credit report with XXXX was updated immediately to reflect the positive changes with these paid accounts. Transunion has still not updated the change and this is always an issue with transition. The other credit bureaus update my information almost immediately every time and I never have hardly any issues with them updating my information in a timely manner but Transunion I usually have to reach out to in order to get them to update my accounts. This is a big inconvenience when trying to clear up credit issue when other agencies are reporting it timely and Im needing to show these accounts have been taken care of for a bank loan. I dont know why Transunion is always the last one to get around to updating changes. The other credit bureaus do not drag their feet so its frustrating.
Product: Debt collection

Debt of XXXX was paid in full on XX/XX/2023. I was told in writing that it would be reported as paid in full within 45 days. They neglected to handle the matter. 

My credit score has suffered from this account reporting negatively. I called and asked for a correction. It's now the end of the year and it's still reporting negatively.

I am now requesting that the account be deleted from all 3 credit bureaus as, this has affected my interest rates on a recent car purchase, slowed my process of securing a home as a first time buyer.
Product: Student loan

I have sent several letter stating that I want to be only contacted by mail. I also stated that my work does n't allow such contact, and I am still getting phone calls, and faxes at work. 

XXXX XXXX, XXXX NC
Product: Credit reporting or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX XXXX XXXX, account number XXXX EQUIFAX XXXX XXXX XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is related to charge off and due balance on my account with XXXX XXXX XXXX XXXX   Which still indicates a balance and then charge off but it was miscommunication on late fees which was never supposed to be applied They realized error and promise that they will correct it. But this is still showing up on my credit report. This is showing as a negative item and adversely affecting my credit rating. 

This has been shown negatively by all the three credit bureaus including XXXX/Experian/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

tXXXX XXXX XXXX and eqifax the have the police report they are in violation of cra
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is been reporting on my credit since XX/XX/XXXX. Its been almost 7 years and still reports with the new collection that buys the debt on my credit and this is affecting me and my children since this collection has me unable to buy a house to provide for my chcildren. 

It reports to the three major bureau credit and I need this to be deleted.
Product: Checking or savings account

Citibank blocked my account from XX/XX/XXXX, because they told me that it was in the process of closing, that they were going to close my account and that the money that was in the account would be sent to me in a check. The reason they closed it to me was because the bank doesn't want any more relations with me, that's fine. But that was on XX/XX/XXXX and we are on XX/XX/XXXX and they never sent me anything, and when I call they only tell me that the account was blocked and is in the closing process, and that when they close it they will send me a check, it The same thing that they told me since XX/XX/XXXX. They have always told me that the process according to Citibank lasts from XXXX to XXXX business days but 7 months have already passed and they do not tell me anything about my money, they only have no more information and that's it. I had almost {$2000.00} in the account and it doesn't say anything.
Product: Mortgage

We have been attempting to submit a loan modification package to our servicer - FCI. They are saying that the investor - XXXX XXXX XXXX - won't work with us for a modification. FCI gave us contact info for XXXX XXXX XXXX and it goes to someones personal cell phone who has no idea who I am trying to reach. When attempting to search for XXXX XXXX XXXX online, there is no records of this company. We have also tried to reach out to their attorneys, XXXX XXXX. We do not understand why not a single attempt is being made to review our modification package. We are qualified for a loan modification. We would like to be reviewed for a loan modification to help save our home.
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XX/XX/year> It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.