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

In  XXXX   XXXX , I purchased a  XXXX   XXXX   XXXX  and  XXXX  van after my previous car was totalled in a accident. I had a remaining balance of a little over {$2000.00} after insurance paid. So that remaining balance was transferred over onto my new loan. I was told that my payments would be close to {$400.00} each month until the remaining balance on the other car was paid off, then my payments would be lower. Within  XXXX  hours of having the van i heard squeeking and crackinf noises and called the next day to bring it into the shop. I was told by the service  manager that new parts had been placed on the car and that w as the problem so I dealt with the noise until it became unbearable and after multiple trips to the shop and my thermostat going out after afew weeks of having the van they told me what was the real problem. So I paid and had {$800.00} worth of work down. Then I decided to take a trip out of town and halfway there my van started making crazy noises and finally broke down while I was in Texas. I was stranded there for  XXXX  while things like my waterpump, tension belt and alternator we fixed. Since I 've had this vehicle it has broke down on me  XXXX  different times and I have several tows. I called afew months into my loan agreement after being without transportation the second time if i could just give them the vehicle back without penalty and I was told if i missed any payment regardless if i parked it back on their lot they would sue me for the remaining balance.   XXXX   XXXX   I was driving a my tv in my passenger headrest began to smoke and i pulled over on the interstate and pulled my kids out of the car because my rug near the passenger seat was on fire. I took the car into the shop the next day and was told that there was nothing they could do but disconnect the wires because the tvs had been installed by a previous owner and it wasnt covered under warranty. I have tried multiple times through various dealerships to trade this vehicle in and no one will take a car that is worth {$1500.00} and still has a {$8000.00} remaining balance on it!! I can not afford this bucket of bolts anymore and now the warranty is about to expire.
Product: Mortgage

Ocwen Financial sent me XXXX XXXX forms. The corrected one states only $ XXXX+ in interest paid, the other states $ XXXX+ interest paid in XX/XX/XXXX. In XX/XX/XXXX, we paid $ XXXX+ in interest. The customer service reps at Ocwen contend that I should add the XXXX figures, however, the corrected one is the actual XXXX used by the IRS, hence " corrected ''. They are unable to give me a loan amortization schedule for reconciliation purposes, furthermore if we add XXXX XXXX forms, we will outstrip interest paid in XX/XX/XXXX. How is this possible when the interest rate is fixed, is n't the interest paid decreasing in value every year for fixed rates with no changes/no lates, etc ...?
Product: Vehicle loan or lease

We just received a bill stating that we have not paid them in four months ( false ). We have been paying our agreed loan payments, and we have also notified them when we have had to make repairs ( for example : replace steering column ( purchased for {$85.00} at salvage yard. I also had to spend {$84.00} on renting a XXXX track to transport the part from the salvage yard to the repair facility, and {$200.00} for the mechanic 's labor ). In addition, I have also had to replace the starter ( {$45.00} for a part from an online parts house ... .a delivery that was delaved for two weeks, plus {$100.00} labor ). On the latter, I lost two weeks of work as a result ). Along with that, I had to pay {$150.00} to install a horn to bring the car up to state standards. We want our bill readjusted to reflect payments made.
Product: Debt collection

USCB REPORTED 17 NEGATIVE COLLECTIONS ON MY CREDIT REPORT FROM XXXX THAT WERE CHARGES FROM 2011 AND I NEVER RECEIVED BILLS FROM XXXX. XXXX STATES THEY DO NOT HAVE OPEN PAST DUE ACCOUNTS IN MY NAME HOWEVER USCB THREATENING TO FILE A SUIT, CALLING MY WORK, MY EX-SPOUSE AND HARASSING CALLS AT XXXX AND AT XXXX ISN'T THIS AGAIST THE LAW? ...
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I wrote to XXXX, XXXX XXXX, XXXX XXXX , Innovis, XXXX, XXXX and XXXX disputing a bankruptcy on my credit reports asking them to remove from my credit report to preserve my right to privacy according to 15 U.S. code S 1681A and per 15 U.S. code S 168B2 permissible purposes included with this letter I sent a copy of my old AZ state ID, social security card with the name of XXXX ( My prior married name ) I also sent a copy of my new AZ state id and social security card with the name of XXXX along with my XXXX  XXXX  bill asking them to delete the disputed bankruptcy and to send me a copy of my updated credit report. as of todays date. XX/XX/year> the bankruptcy has not been removed off of my credit report nor have I still received my credit bureau report ( s ) XXXX sent me a response with a report number XXXX for XX/XX/year> saying that they had verified the bankruptcy, I am not sure how because I wrote to the U.S. Bankruptcy Court wanting to know how they report this information since they are not a creditor, and they wrote me back a letter that they do not report this information to any consumer reporting agencies and that they are not responsible for verifying or validating information contained in consumers credit reports XXXX request more information from me that I had already sent in the packet in XX/XX/year>, which included the letter asking each credit agency to remove the bankruptcy a copy of my old state id and social security card with the name of XXXX also a copy of my new state id and social security card with the name of XXXX along with my XXXX  XXXX  bill??? 
XXXX has not responded at all.????? 

XXXX sent a response of who furnished the information to them who is not a creditor, the bankruptcy has not been removed from my credit report they did send an updated report to show who furnished the information to them. 
XXXX XXXX XXXX sent me a letter/form requesting the same information that I had already sent them in my XX/XX/year>, letter, I sent that form back filled out XX/XX/year>, and I still have not received a response back from that form nor have I received a copy of my credit report from them with the bankruptcy removed, as of today 's date XX/XX/year> INNOVIS did send me a list of creditors that are in good standing on my report however it does not show if the bankruptcy was removed as requested
Product: Debt collection

XXXX XXXX was trying to collect on an old Wachovia card that has been over seven years and taken off my record. He called a cell phone and I told him that was inappropriate because I was in the middle of work and that was an automatic fine for not asking if I was able to talk. I told him it had been 7 years and the company should have given the IRS a forgiveness of debt so I could pay the taxes on it. He just kept on repeating that I was a deadbeat and why did n't I pay my credit card. I told him that an attorney will be following up with this.
Product: Mortgage

2 years ago we purchased a new build. We were told the mortgage payments would be approx {$1100.00} per month. For the 1st year, they came in around {$900.00} per month as they had not had our taxes assessed yet. The 2nd year they came in around {$900.00} per month as well. I contacted the county and they said that they had done the tax assessment on our new house. I assumed that maybe it was already included in our mortgage. Last week we just received a " Shortage Coupon '' from M & T Bank wanting us to pay almost {$5000.00} in back escrow payments for 1 year and a half of taxes that were assessed. They gave us the option of paying around {$1600.00} per month or paying the entire {$5000.00} up front. I called them and asked if I could work out a payment plan that was closer to $ 1200-1300 per month. They said I could not and recommended that if I could not make the payment, I should sell my house. I told them that it was their fault that they waited so long to make us pay the assessment. At the time of purchase, we were told it would take about a year. We have been in our house for around 2 and 1/2 years and just now got the increase. I will find a way to make the payments, but it will be a financial hardship. I don't have {$5000.00} lying around to pay them in full, and I new in a million years would have signed up for a {$1600.00} a month mortgage payment ( which is what is staring me in the face for this upcoming year ).
Product: Payday loan, title loan, or personal loan

Getting a payday loan was the worst mistake that I ever made in my life.The finance fees are outrageous and not affordable.The company takes basically my entire pay, I am a single mom who pay check is completely gone due to this fact.I don't even have gas in my car for work what am I suppose to do at this point .Help please.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

CHASE BANK CLOSED ABOUT MY ACCOUNT B/C I REPORTED TO CFPB THEY HAVE VIOLATED ALL MY CONSUMER RIGHTS NOT LETTING ME HAVE AN ACCOUNT. XXXX I REPORTED THEM ' FROZE MY ACCT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX still shows an open account on my report. Allegedly after investigating. Card opened in a previous legal name. They exceeded the timeframe projected, and still have not corrected the status to show closed. Account closed in bankruptcy, status still showing open.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, have 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: Debt collection

My Apple Card account was compromised about 2 years ago around 2022 and was overcharged passed my credit limit. After I discovered the fraudulent I contacted Goldman Sachs for disputes and provided them my identity theft police report issued by the XXXX XXXX. It took years to solve this matter by Goldman Sachs by closing the account and declared the debt as charge off/ write off. But the bank intentionally left balance of {$1000.00} without notifying me then kept reporting negative to my credit report to the 3 credit card bureau which I think its not fair. My consumer right is violated.
Product: Debt collection

Diversified has re-age an old account on my credit reports. This is really affect my credit. This show be againist the law and government should n't let this happen to affect us citizens
Product: Mortgage

1. On XX/XX/XXXX, I signed a note and mortgage with a 30 year term from XXXX XXXX XXXX XXXX ( that was acting as an agent for XXXX ). 

2. XXXX intended that this loan be a 7 year balloon, but there was never a contract ( i.e. Note ) to support this. 

3. After 7 years of payments, my payment was returned by XXXX XXXX XXXX ( who had acquired servicing rights ). 

4. XXXX XXXX XXXX refused to take payments or negotiate another loan, but also refused to initiate foreclosure ( ~2 years ). 

5. XXXX acquired servicing rights but failed to make a reasonable offer ( just a crazy trial program ). 

6. XXXX filed a foreclosure suit using a blatantly fraudulent note in 2015. 

This is the extremely short version. The full story can be found in the court documents that I have posted on the site : XXXX XXXX XXXX The bottom line is that the opposing litigants have committed multiple felonies during the handling of the case. The experience is quite strange since XXXX was very reasonable.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 XXXX XXXX XXXX rights.

EQUIFAX 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 rights.

EXPERIAN 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 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 XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : REMAINING ITEMS TO DISPUTE : XXXX XXXX XXXX XXXX - Collection XXXX XXXX XXXX - Collection XXXX XXXX  XXXX - Late Payment XXXX XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX - XXXX XXXX XXXX IN XX/XX/year> XXXX XXXX IN XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year>
Product: Credit card

On XXXX I made and online one time payment for the balance on my BoA card, {$10000.00} for my bill that was due on XXXX The billing peroid ends on XXXX On XX/XX/XXXX, BoA tried to double bill me the same {$10000.00} and it was declined because I didn't have an extra XXXX in my account. I think they tried a couple times. I was told that this is the normal course of business, essentially that they ignore the payment ( which I was prompted to make ) They took that {$10000.00} and carried it through to my november bill, showing up as a credit and then as a charge on my card. In essence, they added {$10000.00} to my bill. When they billed my card on XXXX that amount included this extra XXXX. They now say I am past due, charged fees and stopped my card. Even with the additional XXXX there was enough in my account to cover the double billing. They are borrowing XXXX and charging me interest.
Product: Student loan

All of my student loans are being serviced by Navient since XXXX/XXXX/XXXX. Upon receiving my current XXXX XXXX tax form showing how much interest was paid in XXXX, I was alarmed when the amount was quite large. Much Larger than the amount paid towards my principal. So I went into my account and looked at how my payments were being allocated and there is a huge discrepancy in how much is going toward interest compared to principal. I used the interest accrual calculator on Navient 's website to see how much interest is accruing over a 31 day span and the calculated amount for all of my loans is {$340.00}. My current monthly payment amount on the IBR plan is {$580.00}. Below is how my payments have been broken down - only typed some of the months to give you an idea ( I will attach documents showing all months ) -- they have been broken down like this for as far back as I can check now that I have looked. 

XXXX/XXXX/XXXX : Principal - {$82.00} Interest - {$500.00} XXXX/XXXX/XXXX : Principal- {$65.00} Interest - {$520.00} XXXX/XXXX/XXXX : Principal- {$52.00} Interest- {$530.00} XXXX/XXXX/XXXX : Principal- {$51.00} Interest- {$530.00} XXXX/XXXX/XXXX : Principal- {$51.00} Interest- {$530.00} XXXX/XXXX/XXXX : Principal- {$53.00} Interest- {$530.00} I am not sure what to do here and if this is correct or highway robbery. I make a decent living but I will never be able to pay these loans off if this is the way they allocate my hard earned money. 

We do n't get to choose who services our loans when we get out of college and you would think that government agencies would regulate these companies to make sure that those who work hard and pay their bills get some sort of piece of mind. I work hard and do n't have time to keep track of how Navient should be doing their job legally and ethically. Please help me with this issue and help me to make sure the money that was n't allocated correctly goes back to my principal and future money is allocated properly. 
I also make too much money to write off my student loan interest on my taxes so I am at a loss of over {$5000.00} a year while my loan amount has only gone down {$400.00}! I should not be paying {$5900.00} in total payments XXXX, of which {$5500.00} went straight to interest.
Product: Mortgage

While in the process of refinancing our properties we learned that one of our current mortgage holders Arvest central mortgage company miscalculated the annual escrow analysis and raised our monthly payment by XXXX per month without notifying us. We only found out because the company we are refinancing with showed us a report that has us marked as delinquent for the last 2 months payments on this property with Arvest ... .again this is because our automatic monthly payment sent each month did not cover this newly incorrect monthly payment amount. Because of this incorrect delinquent notice on our record our reference has not gone through costing us extra money each day this issues is not corrected.
Product: Credit card or prepaid card

In XXXX XXXX, I noticed a significant increase in my credit card bill which I utilized for medical treatment. I am an XXXX XXXX service member and am struggling significantly with finances due to frequent combat deployments and military relocation. I have requested that Care Credit waive this nearly {$2000.00} interest fee, and they have opted not to respond. My family and I have served 13 years in the XXXX XXXX and have been devastated by exploitative civilian companies who prey on service members due to our lack of options with relocating. I have been abused, oppressed, and exploited by companies similar to Care Credit due to lack of options and being forced to relocate at the demand of the government.
Product: Money transfer, virtual currency, or money service

Money was transferred to people that I had no idea who they were from my bank account
Product: Credit card

On XXXX XX/XX/XXXX, I notified by Citibank and ask if I made a XXXX transaction? No I did not, my account balance was XXXX, I sent a payment of {$1000.00} dollars which would give me a credit of {$700.00}. After I checked my online app on XXXX XX/XX/XXXX I found that I had Multiple fraudulent charges and I immediately attempted to close this account. I was not able to as someone else had access to my account and had changed my Email address and password. Citibank not knowing my account had been compromised on their end send out another card with different account number. This card was compromised before I even received it!! they attempted to send me out another card and number but, I requested my account be closed and the entire account be placed under investigation?? I was under the assumption this had been started on Citibank 's end? Only to find out in late XX/XX/XXXX that this issue was not started and my {$700.00} Credit was lost? stolen? not there in my account? and no one could find it from Citibank Fraud department?? I have made over XXXX phone calls to Citibank from XX/XX/XXXX until last night XXXX XX/XX/XXXX and still nothing has been done and I spend on a average of XXXX hrs on each call due to being transferred over 7 times each call.