23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Subject : Dispute Regarding Student Loan Payment I was contacted by Ed Financial in XX/XX/XXXX regarding a student loan balance of {$3100.00} They informed me that I needed to pay the amount, or my wages would be garnished. This loan had not appeared on my credit report for over XXXX years, but it was added back after I filed for bankruptcy. 

When I reviewed my credit report prior to filing for bankruptcy, the loan was not listed and, therefore, was not included in the bankruptcy filing. However, after the bankruptcy was filed, the loan company contacted me about this debt. 

I explained the situation to the loan company, but they did not address my concerns. To avoid having my wages garnished, I was forced to agree to a debt consolidation on XX/XX/XXXX. I explained to the company that I had filed for bankruptcy, was facing financial hardship due to medical reasons, and was in between jobs. I also mentioned that the loan was originally taken out in XXXX and asked if there was a statute of limitations that applied to it. 

Despite my efforts to communicate my situation, the company did not listen, and now I am struggling to make payments for this unexpected and burdensome expense. I would like to speak to someone to understand my rights and explore whether this loan can be discharged. 

Please contact me at your earliest convenience. 

Thank you, XXXX XXXX
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 XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), 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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$210.00}
Product: Vehicle loan or lease

We are filing a formal complaint against Ally Financial regarding the financing of a XXXX XXXXXX/XX/XXXX, which was purchased from XXXX XXXX XXXX XXXX on XX/XX/XXXX 2019. The financing agreement was structured as a Motor Vehicle Retail Installment Sales Contract and was later assigned to Ally Financial. However, we have identified multiple issues that raise concerns of misrepresentation, inflated charges, and predatory lending practices. 

Inflated Loan Amount Due to Unnecessary Fees : The original vehicle price was {$20000.00}, but we were forced to finance {$26000.00} due to added fees, including : Debt Cancellation Agreement Fee : {$990.00} Drivers Plus+ Maintenance Plan : {$990.00} Ally Premier Protect Service Contract : {$2900.00} These charges were unnecessary and significantly increased the loan balance, extending the time to pay off the vehicle. 

Failure to Properly Disclose the Total Cost of Financing : The Total Sale Price of the vehicle, as listed, did not clearly reflect the full amount financed. The dealer and Ally Financial failed to properly explain the impact of these fees on the total loan balance. 

Ally Financial is Reporting as the Originator of the Loan on the Credit Report : The finance agreement clearly shows that XXXX XXXX XXXX XXXX originated the loan and later assigned it to Ally Financial. 
However, Ally is reporting itself as the original creditor, which is misleading and inaccurate. 

Predatory Lending Practices & Excessive Interest Charges : The Annual Percentage Rate ( APR ) was 11.29 %, but the finance charges disproportionately affected the loan balance. Despite consistent payments, the loan balance has not decreased as expected, largely due to the added fees and the structure of the loan. Ally Financial does not provide an itemized breakdown of how payments are being applied ( i.e., principal vs. interest vs. fees ). This lack of transparency makes it impossible to verify how funds are being allocated and whether payments are being applied correctly. Consumers have the right to access a full breakdown of their payments under federal lending laws. Ally Financials failure to provide this information raises concerns of unfair lending practices and possible misapplication of funds. 

Given that my mother 's credit at the time of financing was above a 700, it is now evident that XXXX XXXX increased the interest rate beyond what was originally approved. My mother is XXXX XXXX XXXX and currently on a fixed income. The prolonging of these payments have caused financial hardship for the both of us. This loan would have already been satisfied according to a recalculation, had these fees not been added. The original agreement in XXXX of 2019 did not include any of these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this conpany & have not provided any consent for correspondence Please see attached forms senf from The Recievables Management Service LLC. 

I have no legal or binding contract Pleade Remove Identity Theft account,
Product: Mortgage

Requested a loan estimate from Rocket Mortgage. The loan officer claimed a purchase agreement was required for a loan estimate : Hi XXXX, If you are requesting a loan estimate then you would have to be under contract so send that signed purchase and sales agreement my way and we will get it taken care of. Otherwise if you are simply looking for an estimate of costs then I will send you a cost worksheet so let me know if that is the case. 

Best, Quicken Loans XXXX XXXX XXXX Executive Banker
Product: Mortgage

I had spoken with the loan officer of Quicken loan about refinancing. He had come up with a good offer that I couldn't refuse. He was only mentioning to me that the deposit for appraisal was refundable and I will receive it in a form of check or credited to the loan but failed to mention to me that if the loan did not work out the deposit is not refundable. He had me sign so many papers and when come to the appraisal deposit he had sign again but still did not mention anything about the appraisal not being refundable if the loan did not process. 
I had paid XXXX and the loan did not work out. 
Now they telling me I had sign it but initially they did not mention anything about it not refundable. I had talk to the senior administration official..they said the case is close and they can not do anything about it and keep telling me I had sign it .. but I'm not aware of it and sign it thinking that everything was going well. I felt cheated because the loan officer did not mention to me anything about the appraisal policy. The only thing he was telling me was its refundable after closing. 
I know I lose my money but this company need to have their employees honest upfront with their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 listed below : XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX A XXXX, NC XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

I recently received a call from someone claiming to be from Bank of America informing me that a person tried to open a credit card account using my Social Security number in the state of Texas. I was told, based upon their conversation with me, the attempt would be blocked. They then provided me with a XXXX Case number and I was transferred to a CFPB Agent. 

The CFPB Agent identified himself as XXXX XXXX and said, in case we were disconnected, that he could be reached at XXXX ext XXXX. 

He then went on to list my credit card accounts, their balances, and told me the interest rate I was being charged by the credit card companies was illegal ( too high ). He told me the " Prime Rate '' for credit card debt for senior citizens was 6.3 %. He also told me that he could cancel 70 % of my credit card debt and that I would not receive any bills for the remaining 30 % of my debt for 12 months. At which time, I would start receiving bills to pay off the remainder of my balance at 0 % interest. The catch was that all of my credit cards, with 1 exception, would be cancelled. 

This sounded very suspicious and also concerned me that he had so much of my credit information. 

Can you tell me if this XXXX XXXX is actually a CFPB Agent? And, if so, would he be able to do what I described above?
Product: Money transfer, virtual currency, or money service

I had a checkin, savings, n ira account with wells Fargo bank in XXXX XXXX I noticed towards end of XXXX I had XXXX at beginning of that year I had a accident at work n in process of going thru workman 's comp because after I had XXXX my we work company took my workman 's comp away, they stated a rewards signature credit card n changed my online bank statement I stopped receiving statement n they did overdraft services with n savings n credit card so I went to bank during Covid n they did not know when they opened some kind of company under my name with my account n started making transfer using checking saving n credit card so changed acct # n changed phones line XXXX times n email n wifi several times n bank continue to let them do online transactions when I told not too no online anything my phones have been hacked every single time it's just matter of weeks n it kept going, I have made several complaints thru emails n phone but bank said emails were not received they redirect my calls n stop emails so it been so hard to get anyone to help I have all my receipts n bank statement now I need help cause I don't understand the codes or where money was sent n bank couldn't help me it's been thousands over last XXXX years even tho I don't put any money in this account anymore I only pay bills from wells Fargo there n they'll reverse my payment stal my money they've cashed checks with credit card n I've never seen those transaction on my end it's been over easily 15,00 on my checking n savings if not more n credit card 8,000 my IRA was supposed to be more than 650 when I closed because I had started putting XXXX a month towards that but I cancelled all of that in XXXX of, XXXX I can contact on my phone at ( XXXX ) XXXX this email only safe one I can use it's my sister 's who can help recuperate some this stolen money n help with the identity theft I've gotten all my credit reports most recent but they don't have valid number to call to investigate n I really can't see anymore due to my accident I'm still not able to work n don't have no one to help or even believe me n it's depressing that they can get away with ruining my life n I'm gon na lose my home because I can't pay it anymoreive gotten help from XXXX XXXX XXXX but it's ended n I have no access to computer please help, I'm ready just to give up on life cause I can't do it by myself to send receipts n statement it too email but I send thru postal office
Product: Debt collection

Despite my previous request, Transworld System Inc. did not provide all the necessary information required for validation under the Fair Debt Collection Practices Act ( FDCPA ). While the account was closed, it has not been removed from all three credit bureaus as needed. 

I request that this item be deleted from all three credit bureaus immediately. Failure to comply will result in further action to enforce my rights. Below is the letter that has been sent and the receipt that they have got the letter by certified mail. 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees. ( Not received ) 2. Verification that you are licensed to collect debts in my state. ( I need proof you can collect in Texas ) 3. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt. ( Not received ) 4. A complete payment history, detailing all payments made and any credits applied to the account. ( Not received. Ask for complete payment history include credits ) 5. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. ( Not recieved )
Product: Checking or savings account

On XX/XX/2022 I was notified by chase bank that a new checking account in my name had been opened. As this wasnt me, I immediately went to the bank and filed a police report for identity theft and the account was closed. There were details in the account with another email, phone number, and address that could have lead to discovery of who opened the account and if they had personal information such as my social security number etc. Chase told me they couldnt disclose this to me but only to the police. I spoke with police multiple times, they requested information from Chase, but Chase never responded to their inquiries.
Product: Student loan

When XXXX closed, The supreme court sent us a letter stating that our student loans have been discharged including the XXXX  and XXXX. this was XXXX years ago then last year. XXXX sent me a letter saying I owe them from a different school.
Product: Debt collection

We are federally protected consumers and Credit Acceptance has violated me under the provisions of 15 USC 1692 and 15 USC 1681.  Please review attached documentation.
Product: Mortgage

I received a suspicious yellow post card in the mail. It says I recently closed on a mortgage with first interstate BK/OR, and it's important to contact them at XXXX asap! Mortgage ID # XXXX. 
SEEMS SUSPICIOUS!
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 to be removed/updated.

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.

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 fait
h pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

I have received several communications from XXXX XXXX XXXX in XXXX. On XX/XX/XXXX at XXXX, I called the company regarding I letter received from this company post bankruptcy. I was transferred to the case manager who hung up on me XXXX and informed his staff to stop taking my calls when I tried to call back ti provide company with Bankruptcy case number to notate for there records and pass along to the correct attorney to update. I previously spoke to the case manager XXXX, who claims ti be the Director of the company on XX/XX/XXXX and informed him of the filing and ti stop all communications. 
XXXX at XXXX XXXX XXXX was very rude, unprofessional, and continues to harass me with letters and calls post bankruptcy. 
I will also be bring this matter to the court 's attention. The court has as much an interest in creditors following the law by not contacting folks in bankruptcy as I do
Product: Credit reporting

Two months back I had a balance of {$84.00} on my XXXX. Due to a family medical emergency, I could not attend to paying off this amount of {$84.00}. For that, XXXX XXXX did not even contact me thru email, phone, mail or text message and blocked my online account. So, when I tried to login, I could not and had to spend XXXX minutes over the phone to just access my account. Then XXXX XXXX, goes and reports to the Credit Bureau that I am 60 days past due. 
All my years of building a sound credit history has been hampered by XXXX XXXX customer / account maintenance service. Just want to remind that I took a loan amount and also paid it off well in advance ( 2 years prior ) and yet XXXX XXXX has gone and complaint like a child to the Credit Bureau. 
It is a shame that a Bank/Credit Card company like XXXX, can resort to such cheap tactics of hurting the customer for a {$84.00} unpaid balance. For such a reputed card company, would it not have been courteous to check with the customer and see what is happening before resorting to reporting to the bureau. When I have paid all bills prior to this for 10 years promptly with XXXX XXXX that is 120 monthly payments, should missing XXXX payment reduce my fico score by XXXX points? Also, on my other XXXX XXXX, I had a rewards balance of {$93.00} enough to cover the amount for {$84.00}. Yet, XXXX XXXX did not contact me thru. This does seem like a personal vendetta against me by some employees of XXXX XXXX who know me in person. 

Hence, I have decided, that from now on, I will never use your credit card. Neither will my family and would strongly encourage people to stop banking with XXXX XXXX. Also, social media is a powerful tool and I will mention to all my friends and to the world, how cheap XXXX XXXX is ... 
Today would be the last day that my family would use any XXXX XXXX product. 

XXXX XXXX has a lot to learn from other banks who give a XXXX time chance to the consumer. It is shame to bank with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've been trying to clean up my credit report so that I can build my credit and there are a few things I've been disputing with all 3 credit bureaus for almost 1 year now, they have only fixed 2 items but never give me responses! And every time I send a dispute to XXXX, the only response they're giving me is stall tactic responses, this is not providing the information I requested, and it's not fixing the negative items on my report either! I've been disputing late payments on a XXXX XXXX account, XXXX account, XXXX XXXX XXXX XXXX XXXXXXXX XXXX , and XXXX XXXX XXXX but the only XXXXate payments fixed was on XXXX with XXXX XXXX and the charge off with XXXX XXXX XXXX on XXXX . I have requested at least 6 times now to provide the proof that I was late, I do not show this in my records that I have and no one has provided this. I either do not get a response at all or I get continuous stall letters, this is not acceptable!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 shalli ) 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX
Product: Credit card or prepaid card

To whom it may concern : I attempted to use my card this morning around XXXX XXXX  to pay my life coach and I was denied through my XXXX account. My XXXX is directly linked to my Serve Card. I assumed that maybe I didnt have the funds, so I went to a local bank teller. The bank teller denied my withdrawal. I sat in my car wondering what was going on. So I decided maybe I should try calling the company number to just check my balance ... blocked. I had to literally hunt and XXXX what the direct number was because they made finding the number on the site inaccessible. Outraged, I attempted to call the number I found which was listed on another page on the website for new members ... I was met with a dial tone. I was not even able to reach American Express Serve Prepaid Card services over the phone to check my balance! I could not check to see if the payment for my car was taken out by my dealership. I received no notification of any sort about what was going on with my account at all this day of XXXX XXXX. I have automatic payments attached to my account that is due TODAY. My car payment being my main charge. I am highly upset with the lack of care or consideration this company has showed for its members. Not only is this issue close to the holiday season, I can not eat, buy gifts, or pay for anything although the website showed otherwise. Not only was the service inconvenient, I was lied to by a company I trusted to protect my money. There was no scheduled maitenence scheduled today! From their XXXX and XXXX page, the messages do not add up! I am really upset and I will be discontinuing my use of this service as soon as it is up and running again. 

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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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