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

I trust this letter finds you well. I am writing to address significant concerns and seek clarification regarding my recent experience with Credit Acceptance. Since the commencement of our contract, I have encountered multiple instances of confusing and misleading information, prompting my need for regular communication with your team. 

On XX/XX/XXXX, my XXXX XXXX XXXX was repossessed, and I subsequently paid {$740.00} for its release. To ensure the lawful security interest in my vehicle, I conducted a XXXX XXXX search with the Secretary of State in New Jersey, where I reside and acquired the vehicle. The results of this search revealed no liens on any of my property, including the aforementioned vehicle. I have enclosed a certified copy of this report for your reference. 

As stipulated in our contract, Credit Acceptance is supposed to have a security interest in my vehicle until the debt is fully paid. However, the absence of a lawful security interest, as indicated by the XXXX XXXX search, raises serious concerns about the accuracy and transparency of the information provided in the contract. 

Additionally, I believe Credit Acceptance may have engaged in unfair practices, possibly violating 15 USC 1692 ( f ) regarding nonjudicial action to effect dispossession or disablement of property. Subsection ( A ) of this regulation explicitly states that taking such action is impermissible if there is no present right to possession of the property claimed as collateral through an enforceable security interest. Given the results of my XXXX XXXX search, it appears Credit Acceptance may have violated this provision. 

I am committed to resolving this matter amicably and seek your prompt attention and cooperation. I kindly request a comprehensive response addressing the following : Verification of Credit Acceptance 's lawful security interest in my vehicle. 
An explanation of the discrepancies identified in the XXXX XXXX search results. 
Clarification on the amount paid for the release of my vehicle and any associated charges. 
Confirmation of the steps taken to rectify any potential violations of consumer protection laws. 
I value a fair and transparent resolution to these concerns and trust that Credit Acceptance shares this commitment. Your prompt attention to this matter is appreciated. 

Thank you for your understanding and cooperation.
Product: Credit card

I purchased a pair  of Garage Door Springs  on  XXXX  's website for {$90.00}. The seller (  XXXX   XXXX   }  billed {$90.00} to my  XXXX   XXXX  account, He then billed {$79.00} to my  XXXX  Credit Card (   XXXX   ) account and took the remaining {$10.00} out my  XXXX   XXXX , Thereby billing me twice for the same purchase. I have contacted all parties  (    XXXX   ;  XXXX  and  XXXX  ) I faxed copies of my statements to  XXXX . After too many calls to  XXXX  and  XXXX ,  XXXX  finally, agreed I was charge twice, however, there was nothing they could ( would ) do. I have come to the conclusion that  XXXX  and  XXXX  knew all along I had been swindled, but they were not going to do anything about it.
Product: Credit reporting or other personal consumer reports

My account with Trustmark Bank was never late. I have had exceptional payment history with Trustmark Bank and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( TRUSTMARK BANK ) Never Sent the periodic statement along with the DISCLOSURE from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Student loan

The Family Educational Rights and Privacy Act ( FERPA ) of XXXX is a federal law that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 
It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents ( 20 U.S.C.S. 1232g ( b ) ).

I have 4 student loan accounts showing on XXXX, XXXX, and XXXX that have cause a serious negative impact to my credit over the years. ( XXXX. ) Account # XXXX with a current balance of {$4800.00} opened on XX/XX/XXXX, states that the account is open and deferred payments begin on XXXX/XXXX. This account was closed and sent over to a XXXX party by the name of XXXX XXXX, now the loan is under Aidvantage which is a subsidiary company with maximus education. ( XXXX. ) Account # XXXX with a current balance of {$1500.00} opened on XX/XX/XXXX, states that the account is open with Aidvantage. ( XXXX. ) Account # XXXX with a current balance of {$1100.00} opened on XX/XX/XXXX, states that the account is open with Aidvantage. ( XXXX. ) Account # XXXX with a current balance of {$460.00} opened on XX/XX/XXXX, states that the account is open with Aidvantage. Current total balance is {$8000.00}. 

Account number XXXX with a balance of {$4800.00} was discharged with a balance of {$4700.00} all XXXX credit bureaus are still reporting this cancelled debt on my credit report as of XX/XX/XXXX. 

Account number XXXX for the balance of {$1500.00}, {$1100.00}, and {$460.00} were discharged with a balance of {$3100.00} all XXXX credit bureaus are still reporting this cancelled debt on my credit reports as of XX/XX/XXXX. 

When a debt is discharged, no one may make any attempt to collect a debt from the debtors. Creditors can not sue, garnish wages, assert a deficiency or otherwise try to collect from the debtors personally on discharged debts. Creditors who violate this order can be required to pay debtors damages and attorney fees.
Product: Mortgage

Owning.com claims on the home page of their web site that they will " refinance your mortgage with no closing costs ''. 

However, after talking with the agent from owning, they claim that XXXX XXXX XXXX charges a 1 % fee for the loan. After investigating this, I have found that this is a false statement. They do NOT charge anything. 

There are two issues : 1. Owning.com is claiming that there are no closing costs. This implies a no cost refinance for the person refinancing and 2. XXXX/XXXX do not charge a fee, which one can only assume is another way for Owning.com to get paid to do the loan. A refinance fee on a $ XXXX loan at 1 % is {$5000.00}. 

This misleading fee is a " bad faith '' charge and is not legal. I have yet to see this in writing from Owning. Owning needs to tell the truth or stop this practice. This is NOT a " no closing costs '' loan, as they are claiming.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If XXXX and TransUnion do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00} ; DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance {$6500.00} ; DEPT OF EDUCATION/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$3600.00} ; DEPT OF EDUCATION/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$790.00} ; DEPT OF EDUCATION/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$1400.00} ; DEPT OF EDUCATIONXXXX  XXXX Date XX/XX/XXXX XXXX XXXX {$250.00}
Product: Credit reporting or other personal consumer reports

I feel that someone is using my identity. There is a social security number on my credit file that does not belong to me. My social security number ends in XXXX. I have listed the accounts that does not belong to me below. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below.

I demand that the following accounts be validated or DELETED immediately.

ACCOUNT ACCOUNT # ___________________ACCOUNT BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. SOCIAL SECURITY NUMBER ENDING IN XXXX THIS IS MY SOCIAL SECURITY NUMBER.
Product: Credit card or prepaid card

I had a charge account with Chase Card Services. I received their statement and paid off the account on XXXX XXXX, 2017 for {$640.00} which was due on XXXX XXXX. This is what the online statement said, so that is what I paid. Well I check their account to make sure all is going well, and see now they charged me an additional {$8.00}. I asked them to waive this fee, since I paid off the account, and was told no, because it was the interest that was accrued and I had to pay it. And apparently, the payment I made did n't hit the cut off date. So I paid it. Well, then I get another bill, this time for XXXX cents. I asked them to waive it, since I have made my payments on time and no issues. Well, nope, this big run around about how I have to pay this, as it is and activity amount and this incurred because of the billing cycle. So, again I paid this. I ca n't have my credit go bad for this kind of tedious mess. <P/>I have never worked with a credit card company to treat you like this as this company has me. I have paid them off, will not use them again, and I am done with them. I just want others to know this is the way they treat their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed this account numerous times and the consumer are not showing how they verified the information and it is inaccurate : under the FCRA they have violated multiple laws Accounts : XXXX XXXX XXXX  XXXX # XXXX Auto now financial XXXX # XXXX XXXX XXXX # XXXX XXXX15 U.S. Code 6802 ( B ) Opt out a financial institution may not disclose non public personal information to a nonaffiliated third party unless ( a ) such financial institution clearly an conspicuously discloses to the consumer, in writing or electronic form ( which they did not ) 2.15 U.S. Code 1692e False or misleading representations 3. 15 U.S. Code Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor such consumer is participating in the collection or in an attempt to collect the debt 4.15 U.S. Code Civil liability the picture below shows in accurate balance on my credit report auto now financial has been removed from XXXX and Transunion it needs too be removed from XXXX as well
Product: Debt collection

XXXX was the original creditor to this account and this was sold to XXXX XXXX. In XX/XX/2019, XXXX XXXX was removed from my credit report. In XXXX of 2019, Enhanced Recovery Company was added as a collection account. This information has already been disputed and removed when XXXX XXXX reported the account. Also, Enhanced Recovery Company has this reported as opened XXXX, XXXX, 2019 which is inaccurate because, XXXX XXXX did not delete the account until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 mailed a letter to Experian requesting an investigation of an inaccurately reported information on my credit report. The account is " XXXX XXXX XXXX '' and this account shows many discrepancies, one that I pointed out was the payment history and past due balances. 

XX/XX/2020, I received an updated report showing that Experian investigated the discrepancies. However, there were no changes and nothing was fixed or deleted. Which means, this account is still reporting illegally under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY FIRST COMPLAINT WITH XXXX CONCERNING THIS ISSUE. 

I have a XXXX credit card. On XX/XX/2023 I made a {$3300.00} payment, XXXX card reported the next day, XX/XX/2023 a balance that did not reflect the {$3300.00} payment. XXXX card seems to do this often, they do NOT report balances to include recent payments to the credit Bureaus. Therefore, I transferred the money out of my payment account so the payment would not go through. I am not paying off a card and having these banks refuse to give the proper credit or report the proper balance. XXXX 's policy concerning payments Do NOT satisfy federal regulations. This has caused me harm and it surely causes others harm. I am also confident XXXX card will retaliate against me in some way over the next few months, they always do whenever complaints are filed. The Balance should have been reported as {$770.00} NOT {$4000.00}
Product: Mortgage

I received a settlement in XXXX based on harmful lending practices by Flagstar bank. The question I have is, this was a VA loan and the VA was never compensated for their part of the loan they backed, now I have a substantially reduced amount that the VA will lend me based on this. Is there a way to get the VA repaid? Also my credit report now states foreclosure redeemed, is there a way to have it removed all together? Thank you for your time
Product: Mortgage

My wife and I have been working with New American Funding for two months for a refi, and it has been months of requests for more sensitive financial paperwork, delays, mysterious escalations in garbage fees and appraisals, and just general foot dragging.

Today we received a cold call from someone who said NA Funding had retained them to set conference calls with all of our lenders to determine if we were paying our mortgages. The credit reports NA Funding already has in hand prove that we have met every single loan obligation on several mortgages, some going back months.

We also feel NA Funding has coerced us to close an existing HELOC with XXXX XXXX XXXX XXXX, and keeps trying to have us borrow more than the amount necessary to do the refi.

We don't feel that they are acting in good faith, and we are very unhappy with our experience.

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which cuased severe XXXX upon me and found information provided was inaccurate and questionable that your agency did not make sure it was reporting 100 % accurately. 

In accordance with the Fair Credit Reporting Act, evertyhing has to be 100 % accurate on my credit report and under 15 U.S.C 1681 Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accuratly. 
XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 
No Additional Information was provided by Creditor. Creditor also Failed to show proof of ownership and debt verification in a court case. XXXX XXXX XXXX XXXX, has 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 consent. They have failed to provide proof to me, and proof to the courts that they own this debt or have a lawful right to collect on this debt. 

Collection : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. No information has been provided to me personally on this debt. Also this Collection Agency has failed to provide proof of ownership of this debt. n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has 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 consent. There is not a contract between XXXX XXXXXXXX XXXX and I and never has been.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have now been three attempts to validate XXXX account on my credit file. They conducted an investigation in XX/XX/2018, but their investigation conflicts with XXXX   investigation who also conducted an investigation at the same time. I don't even know if this account is even mine and Transunion and XXXX have failed to validate the account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX, XXXX # XXXX - BALANCE {$2200.00} Account Name : XXXX  XXXX # XXXX BALANCE {$0.00} Account Name : XXXX # XXXX XXXX {$0.00} Account Name : XXXX # XXXX BALANCE {$0.00} Account Name : XXXX # XXXX BALANCE {$0.00} Account Name : XXXX XXXX # XXXX BALANCE {$0.00} Account Name : XXXX XXXX XXXX # XXXX BALANCE {$1700.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$0.00} Unauthorized inquiries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Unfair, Deceptive, Abusive acts and practices against me and my ex husband by XXXX XXXX XXXX and XXXX XXXX XXXX regarding a foreclosure action against me in 2014 and subsequent reinstatement of the mortgage without my ex husbands consent replacing the reinstatement in his name without his express knowledge/authorization of this act. ( letter admitting GWB and XXXX XXXX XXXX  reinstated the loan without my ex husbands consent in addition to receiving {$20000.00} in Save the Dream grant funds enclosed ). 

I have file numerous complaints against both parties noted above to no avail. They continue to deny they " reinstated the loan '' although the letter from their law firm clearly indicates they did so. They erred and placed the loan solely in my ex husbands name causing him credit issues although I have contacted them numerous time to correct this issue they continue to refuse. 

This has caused tremendous financial hardship for myself and my ex husband. GWB has refused to place the loan in my name and remove my ex husband from the loan although they clearly admit they reinstated the loan without his consent after accepting the grant funds to cover over {$28000.00} in legal costs which are also excessive and abusive. 

I am attaching the letter from GWB/XXXX XXXX XXXX proving they indeed reinstated the mortgage and kept it in my ex husbands name without his knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account no XXXX XXXX  XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX Account no : 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
Product: Credit card

I wan na dispute a charge and the close my account. So I can't do anything not even making a payment and the hanging of the phone on me the whole time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review new information related to my dispute of XXXX account # XXXX As per the attached copy of the bank statement provided to me by XXXX, the circled XXXX  number of my address on the statement ( XXXX ) does not match my actual XXXX XXXX as per the copy of the relevant page of my Experian credit report. 
Therefore, this account is fraud, please delete it asap.
Product: Checking or savings account

Capital One is experiencing system-wide issues impacting direct deposits, causing delays in funds being deposited into customer accounts. My direct deposit is now XXXX days late, with no clear timeline for resolution. The bank has only acknowledged the problem and stated they are working with their partner to resolve it, but there have been no updates or specific information provided. Communication from both the banks website and customer service has been insufficient and unhelpful.
Product: Checking or savings account

For the last XXXX hours I as the oXXXX XXXX XXXX XXXX XXXX  ( my XXXX is also a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX ) Have been unable to access my business accounts!!! I paid my bookeeper to come in to reconcile my accounts. We were told they were working on it and shortly would be resolved. I paid her to sit around waiting - nothing changed. It has now been over XXXX!! Business days and capital is holding my money hostage. I can not access my accounts. XXXX XXXX has payroll today and will bounce XXXX paychecks as he can not transfer money into the accounts. He went to the bank itself and they still admitted they had no access. This is awful and inconsistent with how a reputable large bank works. No effort to resolve the situation. Except a bland email apologizing and assuring a rapid response. XXXX hours is not rapid.