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

The loan is still in good standing, have never missed a payment. I am moving to New York state and trying to register my vehicle in New York State. The NYS DMV requires a certified copy of the title ( both the front and back side ) from the lien holder in order to register the vehicle. The title is currently held by the lender but the lender has refused to mail out a certified copy of the back side of the title. I have tried to contact the lender on 9 separate occasions between XX/XX/19 and XX/XX/19 but to no avail. Due the lender 's refusal to provide the necessary documentation, I am unable to register my vehicle in NYS and unable to drive my vehicle.
Product: Debt collection

CASHNET USA has been informed on multiple occasions to cease and desist and only send correspondence by mail. The cease and desist order has now been violated 6 times. Penalty for violation of cease and desist orders. ( XXXX ) Any person who violates a cease and desist order issued pursuant to XXXX is subject to a civil penalty not to exceed {$1000.00}. Each day of violation constitutes a separate violation. They now owe a sum over {$6000.00} in cease and desist order violations which needs to be paid. All correspondence is supposed to be handled by mail only. I have provided screenshots of the most recent cease and desist violation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$19000.00}
Product: Mortgage

Loan Depot holds payments until they are late. They do not properly credit payments on principal. They issue bills reflecting a month old payment history so that it appears as if the payment is late when it is not. They then charge you a late fee. 
They issue you a receipt for payment that does not show payment on the principal that was paid. That way they can apply it however they want to rip you off for interest. They will not give you a straight answer on the payment period.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS FRAUDULENT STATING THEY HAVE NO INFORMATION ON MY CREDIT PROFILE. THIS IS OUTRAGEOUS. THEY ARE NOT CORRECTING DELECTING INACCURATE INFORMATION DELIBERATELY. I REVEIVED Five letters stating they don't have information to correct when I see on various credit reporting agencies the false information they continue to put on XXXX dispite proof by creditors that's duplicates and accounts are paid ie XXXX  XXXX XXXX XXXX XXXX etc.
Product: Checking or savings account

We arranged for a senior trip for our daughter with XXXX XXXX in XXXX of XXXX. We paid 24 monthly installments of {$150.00}, plus a {$95.00} registration fee, for a total of {$3700.00} through XXXX of XXXX, when the trip was cancelled due to the coronavirus pandemic. We requested a refund, but XXXX XXXX refused to issue a full refund, offering only a voucher for future travel, which costs a {$1000.00} cancellation fee to redeem. We disputed the charges with Navy Federal Credit Union, who had placed the charges on our debit card ( we never provided XXXX XXXX the debit card number, just our bank account and routing number ). Navy Federal found in our favor and recovered {$2400.00}, but claimed they could not reverse the earlier charges because the " cardholder agreement '' prohibited refunds of charges more than 18 months old. Therefore, we are now out {$1300.00} taken from our account for services we never received, and NFCU has refused further assistance, choosing to honor their agreements with XXXX and XXXX XXXX  rather than a member of 28 years.
Product: Debt collection

I have a dispute with Modern Adjustment Bureau who failed to verify the account in my name according to my stipulations stated in a conditional acceptance contractual agreement that was mailed to Modern Adjustment Bureau which did not properly respond, I sent out a Notice of Default which Modern Adjustment Bureau never complied I have properly documented the proof of mailing dates with stamped receipts of the contract then approximately after 10 days the Notice of Default to respond which they did not respond properly according to the stipulations of the contract I also have the original copies of the contract with the account in question. I have the right to demand what is stated in the agreement due to the fact there is a legitimate contract and the respondent refused all my attempts to remedy this through this contract. I have attached the conditional acceptance contract, the Notice of Defaults and the postal proof of mailing receipts that I sent to XXXX XXXX that failed to respond according to what was stipulated in the contract ( see 1st paragraph of page 01 of contract ) approximately 10 days after not the response I sent a Notice of Default with Intent which they did not respond since my attempts to remedy this situation was unsuccessful I feel the need to report. 

DEFENDANT INFORMATION Name : XXXX XXXX Title : Supervisor Company/Firm Name : Modern Adjustment Bureau XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX XXXX XXXX California Zip XXXX XXXX Telephone : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I submitted Western union with copies of the money orders I purchased. Now they are requesting proof I sent copies everthing. I have no of those things anymore because my house was robbed and XXXX XXXX XXXX XXXX for XXXX lost all personal documents. I submitted {$2500.00} in moneys to them {$1000.00} {$1000.00} {$400.00} {$100.00} to date I have not received anything from them. This information was mailed in XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent application made on my account, I would like for them to be removed, I did not authorize or made these inquiries, I contacted trans union many times they said they need a police report, which I have provided and also found out that by law we do not need a police report, its just a way for them to give us a run around, please at this point remove these inquires or I will take legal action within 30 days, trans union file # XXXX I would like these items to be removed : XXXX XXXX  XXXX XXXX, CA XXXX Inquiry from XX/XX/2019 XXXX XXXX   XXXX XXXX, CA XXXX Inquiry from XX/XX/2019 XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting multiple account numbers as follows XXXX # XXXX, XXXX  # XXXX ..., TransUnion must delete this account do to erroneous, incomplete and unverified account number information. Attach to this dispute I am providing a letter from the actual furnisher of information with a different account number also an attach credit report from XXXX also with a different account number both to prove my case.
Product: Debt collection

The Company is sent me a pre-legal notice, when this is the first notification I received from them. They sent it to me via Email, and I never even received a piece of physical mail or a written notice. They claim to be the current creditor of which is a debt is owed. However, the total alleged balance due in the email they sent to me is different from the balance of the original creditor who is claimed to have assigned them the account.They sent me 3 separate pre-legal notices all within a week of each other from two different email addresses : XXXX XXXX I replied to their email and requested that all forms of communication be done through physical mail instead of electronic mail and have yet to receive any notice. I also mentioned that they would be receiving a debt validation letter from me with this being within 30 days of my first point of contact. 

XXXX XXXX XXXX is attempting to collect said alleged debt on the behalf of another company. They claim that I owe Velocity Investments LLC a total Balance Due : {$1100.00}. 

However, The account in which they have been assigned is from, XXXX XXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXX At the time of discharge The Balance due for this account was in the amount of {$980.00} I will provide statements from my account with XXXX for proof, as well as a screenshot that will show you the final balance once discharged. 

Some of my rights were violated under : 15USC 1692 Congressional Findings & 15 USC 1692d : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

This Company has used obscene language and threatened to take legal action, through a pre-legal notice. 

XXXX XXXX XXXX XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle was the common-law basis for the assumption of the risk doctrine. 

If this company is the " new '' valid creditor of this alleged debt they also knowingly purchased bad debt, which may also be a predatory pattern for them. 

They assume the risk of taking on said " bad debt '' Many complaints on the XXXX website suggest this as well. A member of Velocity Investments LLC stated in response to a complaint. " Velocity purchased this account in good faith and for value. '' Good faith is a broad term thats used to encompass honest dealing. Depending on the exact setting, good faith may require an honest belief or purpose, faithful performance of duties, observance of fair dealing standards, or an absence of fraudulent intent.
Product: Mortgage

I have been hit with 2 " priority service fees ''. My Payment Due Date is the XXXX of the month and I sent my last payment ( due XX/XX/XXXX ) on XX/XX/XXXX, electronically, and was hit with the most recent of the 2 fees. The first fee was against a payment sent on XX/XX/XXXX ( due XX/XX/XXXX ). I have paid the increased fee amount every month since the fee was assigned and they won't clear it off my statement.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX 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: Credit reporting or other personal consumer reports

On several occasions I have disputed the XXXX credit card account that appears erroneously on my XXXX credit report without receiving an effective response to the request, and I even made an identity theft report that I also sent but it is noted by XXXX, TransUnion and XXXX that they did send it. not conducting an efficient investigation to determine that the account that appears on my XXXX  card credit report does not belong to me and they even put an address on the card account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other active accounts that are currently reporting and that is why I request that this erroneous account that appears in XXXX, XXXX AND TRANSUNION be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information shown below is the erroneous one shown in XXXX, XXXX and TransUnion. XXXX XXXX XXXX Account number XXXX : Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Remove from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent by MYSELF demanding late payments, CHARGE OFF accounts that are still reporting LATE payments monthly, and collections be removed. I was sent a letter that denied my request because " they do not think its me ''. A photo copy of my license was sent with this document as well. 
Demanding that charge off accounts reporting late payments monthly be removed, such as XXXX XXXX, XXXX XXXX immediantly Demanding late payments between XXXX be removed on XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX be removed immediantly. Collections accounts such as XXXXXXXX XXXX and XXXX XXXX XXXX be removed immediantly.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX
Product: Debt collection

My XXXX credit report has an entry for the collection company, XXXX XXXX XXXX XXXX for XXXX. They say that the original creditor is a company named XXXX XXXX and that the account was opened in XXXX of XXXX. I disputed this debt multiple times with XXXX, but they haven't removed it. XXXX is the only credit reporting company that includes this entry. I've called XXXX and XXXX and Tempoe LLC and requested information concerning this account to be delivered via XXXX mail on XX/XX/XXXX, but both companies have failed to send this information. I've researched the company Tempoe and found that they are a merchandise rental company and know that I've never used their services at all. This company has also participated in illegal activity and has been fined by cfpb in the past. I would like this entry removed from my credit report managed by XXXX. I've contacted XXXX several months ago and placed a fraud alert on my credit report.
Product: Mortgage

I called my mortgage company Lakeview, which is sub-serviced by XXXX XXXX in XXXX to see what options were available to me to avoid being delinquent on my mortgage due to being impacted by covid. I lost my XXXX, XXXX, XXXX XXXX, XXXX  and XXXX  all in less than one year due to XXXX 

I was originally told that I was approved to receive special covid relief assistance but later was told that I no longer qualified due to system errors. I was then told that my only option was to do a modification which I agreed to avoid being delinquent. 

The Modification process began, I received and signed the paperwork and mailed it back via certified mail. I called on XX/XX/XXXX to explain that I have not received any information and that I am trying to make my payment online but the system will not allow payment. I was told that payments can not be made at this time due to the modification process. 

I was told by a rep with Lakeview that the modification paperwork has not been processed and as soon as it processes payment can resume. 

I called back on XX/XX/XXXX and explained that I am still unable to make a payment due to modification paperwork processing. The Rep with Lakeview explained gratitude for my eagerness to make payments but assured me that my mortgage will not show delinquent nor will my personal credit be impacted due to their delay. I requested that the rep notate my account with the statement he provided me. 

On XX/XX/XXXX I called and explained that I'm still unable to make payments. This time I requested to speak with the supervisor. The supervisor told me that I can make a payment with her over the phone and that's all we will need to do. I made a payment. 

The payment did not process due to my bank account. I called on XX/XX/XXXX to make the payment it was processed successfully ( See Bank Statement Enclosed. ) The rep then stated that the modification and payment were successful and that my next payment will be possibly in XXXX due to this modification. 

I called on XX/XX/XXXX to verify my account is in good standing I was told yes it was. 

I received my mortgage statement dated XX/XX/XXXX which shows the amount due of XXXX due on XX/XX/XXXX I received a Statement dated XX/XX/XXXX That shows the amount due of XXXX due on XX/XX/XXXX. ( copies enclosed ) I received a check from XXXX XXXX on XX/XX/XXXX in the amount of XXXX for the overpayment. ( see a copy of check ). This also gave me assurance that my mortgage is current and in good standing. 

Today, XX/XX/XXXX I received a notice from XXXX XXXX stating I am behind on my mortgage in the amount of XXXX as of XX/XX/XXXX. I immediately called to question this and I was told that they have received no payment since XXXX and I am delinquent. Every rep I spoke with was not willing to assist me and only provided options for another modification. I am receiving XXXX assistance from the reps and upper management. I wish to have this resolved and my account updated to the current one as of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Account ( Opportunity financial ). Account ( XXXX XXXX XXXX XXXX  ). Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely XXXX XXXX
Product: Student loan

My federal student loans were sold to MOHELA in XX/XX/XXXX to the tune of about {$210000.00}. SAVE plan application submitted on XX/XX/XXXX, 2 months before the SAVE injunction. Resubmitted a basic IDR application afterwards. MOHELA has not processed any of the applications per FSA. MOHELA is requiring borrowers to call their customer service line every 60 days for a forbearance extension. I received a letter from MOHELA on XX/XX/XXXX stating that since greater than 60 days has passed since my IDR application was received and has not been processed, I would be placed in an interest free forbearance until it is processed. Granted, it had been over 6 months, no 60 days, but I digress. Then, on XX/XX/XXXX, I got another notification that my loans were back into repayment and not on an IDR plan. There was no notification that my plan was processed or approved/denied. Now, I am having to call back to MOHELA and the wait times are greater than XXXX hours, for which at that time, they are closed. I have called the minute they open and the morning and have been on hold until they have closed at the end of the day, where the hold line hangs up on you. All of this given that they told me it would be an estimated XXXX hour wait time, not XXXX hours. 

In the past when I've been able to get through to someone, they make you talk to a triage agent who just confirms your personal information. It can take XXXX hours to get in touch with this first person but they make no attempts to help with your issue. Then they put you on another XXXX hour hold to get to their advanced agent who can help. These tactics make it nearly impossible to get in touch with someone to have your issue resolved. 

If MOHELA is not processing applications and not allowing people to get in touch with them for forbearances, MOHELA needs to have all loan acquisitions held until they can figure out a solution to this problem that is affecting thousands of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this info since XX/XX/2022. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 USC 1681c-2 this need to be removed.
Product: Debt collection

On XX/XX/2023 I reached out to XXXX XXXX agency who was in charge of collecting the debt for XXXX XXXX. The responded XX/XX/2023 providing copy of last statement from XXXX. I then replied on XX/XX/2023 with proof of payments made, proof of myself the consumer closing the account and transferring to another provider. I also advised XXXX that the statement was showing they were trying to bill me for another month of service when my account was closed and transferred on XX/XX/2023. In addition, I provided this information to XXXX, XXXX, and XXXX. On my credit report the debt is being listed under XXXX not the collection company. I sent proof of payments, proof of closing the account and transfer with XXXX to the credit bureaus disputing this inaccurate debt. I submitted disputes to XXXX on XX/XX/2023 and again on XX/XX/2023. I submitted a dispute with XXXX providing proof of payments and proof of closing the account as well as transfer to XXXX on XX/XX/2023 and again on XX/XX/2023. I submitted disputes to XXXX on XX/XX/2023 and XX/XX/2023 providing proof of payments and proof of closing the account and transferring to XXXX on XX/XX/2023. All results from each credit bureau is only reflecting account being updated. They have not removed the account under FCRA when proof has been provided showing is being reported erroneously to my report. In addition, I on the same dates for disputing I disputed several other accounts as well providing documentation that I reached out to the creditors of XXXX XXXX and Open Sky that the balances being reported were inaccurate. The credit bureaus are failing to remove inaccurate debt from my consumer report per the FCRA guidelines. As well as while a full investigation is being done removing the debt from the credit report is not being done. In addition, a full investigation is not being done. They are allowing inaccurate debt to be put on a consumer report even after proof has been provided that the debt.