23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

So I called chase and talked to a manager about getting the balance transfer interest waived and we worked out a number to pay off and she said she was going to put in a request to that waived and I paid the total amount she told me. So not only did they not waive that interest after I paid the whole thing in full they charged me another XXXX in interest after that. I will pay the other but since I paid in full I want this other XXXX waived it is not suppose to be there. This rude lady I have dealt with in the past named XXXX who was rude again buy the way left a voice mail basically saying she was not going to help me. I asked to speak to her manager and its been 4 days and no manager has called me back at all and they claim they call back within 48 hours its been 4 days and no one has called me. I will rest until this XXXX is waived from this new bill. So there corperate office have a bunch of rude people and lie to me all the time about getting call backs. I want this intersest waived ASAP!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX; ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute concerning the inaccurate and inconsistent reporting of the above accounts. These violations of Metro 2 compliance and the Fair Credit Reporting Act ( FCRA ) require immediate correction. Below are the specific errors identified : XXXX - Violations 1. Late Payment Reporting Conflict o The account is marked as Current and Paid, yet it reports " Was 30 Days Late 1 Time, '' which contradicts the paid status. 
2. Missing Data Elements o No remarks or details regarding payment frequency are provided, making the late payment unverifiable. 
3. Credit Limit and Terms Reporting o Term length is reported as 12 Months, but there is no information about the original credit limit, hindering accurate account evaluation. 
XXXX XXXX - Violations 1. Date of Last Activity Discrepancy o Equifax and XXXX : XX/XX/year>, XXXX : XX/XX/year>. 
XXXX. Late Payment History Conflict o The account is reported as Current but includes a late payment history : " Was 30 Days Late 1 Time. '' 3. Balance Reporting o The balance remains at {$190.00}, with no supporting remarks to explain the unpaid status on a Current account. 
4. Credit Limit and Utilization o The credit limit is consistently {$500.00}, but utilization exceeds recommended thresholds, with no remarks or context provided.
Product: Student loan

I attended XXXX XXXX XXXX in XXXX and I borrowed a direct loan in the amount of {$15000.00} at 6 % annual interest which was disbursed on XX/XX/XXXX. Navient was the loan servicing agency. After the grace period I started paying a monthly of {$170.00} which was higher than I could afford. At that time I was a XXXX XXXX XXXX and was not working. However, Navient placed me in this high cost plan and I paid each month from XX/XX/XXXX through XX/XX/XXXX. No way they would accept a more affordable repayment plan. 
The form XXXX ( XXXX ) shows that NAVIENT received {$1700.00} in interest only during XXXX. 
On XX/XX/XXXX I received an email showing unpaid principal {$13000.00}. How did XXXX  apply my payments? I paid for two full years at 6 % and still I owe this as principal? 
On XX/XX/XXXX the loan repayment and interest rate was suspended ( XXXX time ) and I was not required to make payments. I was put in forbearance. I paid until XX/XX/XXXX. 
To my surprise I still owe {$13000.00}. I don't understand where my money went. How did NAVIENT apply my payments to? 
On XX/XX/XXXX I received an email from NAVIENT informing that a new company Aidvantage would begin servicing my student loan instead of Navient. I am on forbearance since then under the XXXX plan and I have not made any more payments. 
I need a detailed report of how payments were handled on my loan. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoenix Financial Services is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. The account number is # XXXX. This account is not mine and should not be on my credit.
Product: Payday loan, title loan, or personal loan

My account has been in a dispute queue since XX/XX/2019. The company continues to have me make payments of a falsely advertised product that is a Ponzi scheme. The product is from XXXX ; who makes a molecular hydrogen machine that does not produce as advertised. It also requires filters to be changed every 9-12 months that was never mentioned when purchasing. This is a health hazard. I demand to not be charged for this product that I am not even using anymore due to health concern that may arise. UCFS clearly did not do their due diligence when taking over the loan. They are just as responsible for this machine as XXXX. I especially should not be making payments while in a dispute process. Multiple loan companies have forgiven loans for this product because of the reasons mentioned above. There has even been an XXXX article about the bogus product this machine is and the loan companies who have stood beside it. Some are now distancing themselves and lawsuits are occurring. Shame on UCFS for continuing to take money from the sick and poor.

I have made several attempts to resolve this matter with UCFS to no avail. I have made payments for the amount of {$360.00} since XX/XX/XXXX. I want that money back and to have my loan forgiven immediately.
Product: Debt collection

About 2 years ago I received a notice from XXXX stating that I was past due on my cell phone bill for about {$680.00}. I contacted them and we went over every inch of my bill and they agreed that I did not owe the payment. Later on I received a bill from a collection agency stating that I owed XXXX the amount listed above. I contacted XXXX again and they said they would take care of it. About 2 months ago I have been receiving phone calls and statements from the same collection agency about the same charges. I do not owe this money and I have NEVER missed a payment. I am tired of all of the collection calls and notices. I want XXXX to fix this and guarantee not harm to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XXXX XXXX,2017, Experisn made changes to my report that resulted in a 56 point drop in my score. When I called no one is able to tell me why. One account was reinserted XXXX. The account was deleted and should n't have been reinserted because they failed to reply within 30 days. Irregardless, that should n't have resulted in s 56 point drop in my score. Moreover, the drop in score came one day after I inquired about refinancing the XXXX car loan for a cheaper interest rate from a bank that uses the Experian credit score.
Product: Vehicle loan or lease

Westlake Financial Services Attn : Customer Service XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Return of Vehicle, Payments, Insurance Claims, Trade Value, and XXXX XXXX, Contract # XXXX Dear Sir/Madam, I am writing to request the immediate return of my vehicle, as well as the resolution of several related matters, following the wrongful repossession by Westlake Financial Services XXXX It is imperative that all associated payments, insurance claims, trade value, and equity security be addressed promptly and fairly. 

Firstly, I demand the return of my vehicle within XXXX hours from the date of this letter. As previously stated, Westlake Financial Services does not hold any contractual rights or authority over the vehicle, and the repossession was carried out without legal justification. Failure to comply with this demand will result in legal action to recover the vehicle, as well as any damages incurred as a result of the repossession. 

Additionally, I request the following actions to be taken : XXXX. Payments : All payments made towards the vehicle, down payment, & rebates ect.. whether to Westlake Financial Services XXXX XXXX XXXX or any other party involved, the jeep, title, & all due must be returned to me in full. This includes any down payments, monthly installments, rebates, insurance claims and any other fees or charges associated with the financing of the vehicle. 

2. Insurance Claims : Any insurance claims filed by Westlake Financial Services or its agents regarding the vehicle must be withdrawn immediately. I expect full cooperation in rectifying this matter with the insurance provider and ensuring that no negative consequences arise from these wrongful claims.

3. Trade Value : As the vehicle was wrongfully repossessed, I expect to be compensated for any trade-in value that may have been lost as a result. I request a fair assessment and payment of the trade-in value, based on the market value of the vehicle at the time of the repossession.

4. Equity Security : In the event that any equity has been built up in the vehicle, I demand that it be returned to me promptly. This includes any monetary value that may have been invested in the vehicle through modifications, improvements, or repairs.

I expect Westlake Financial Services to address these matters in a timely manner and provide a written response outlining the actions taken to rectify the situation. Failure to comply with these demands will leave me with no choice but to pursue legal action to protect my rights and seek appropriate compensation for the damages incurred.

Please acknowledge the receipt of this letter and provide a detailed response within 3days I trust that Westlake Financial Services will act responsibly and ethically in resolving this matter.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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
Product: Credit card

Dell went from XXXX to Comenity. Unfortunately, during this transition, my account number was changed and I was not notified causing delays in processing payments, they issued a fraud block on my account preventing me from being able to log in and make payments, refused to send statements to my correct address, and when I mailed payment they claimed they never received. Despite being told in XXXX that I would not have a negative reporting due to issues that were caused by the transition, Comenity Bank has reported negative information on my report. I reached out to Comenity and they stated the information would stay as is.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX XXXX. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX/XXXX/2022 ; XXXX XXXX XXXX/XXXX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.
Product: Vehicle loan or lease

I purchased this vehicle in XXXX the company closed in XXXX. Heard nothing from company closing or anything. They XXXXXXXX XXXX  my vehicle had major problems from day one. Look on my credit report and they have double the price.
Product: Payday loan, title loan, or personal loan

I have been working with Radiant Cash for approximately two weeks. They initially approved of a small loan for {$400.00}, but when it was sent to my email address, it stated the payment plan and that it was approved only for {$300.00}. I then called and spoke with XXXX who said he would send to the underwriting dept of the discrepancy and that I needed to wait for an email from the underwriting dept as to when they would be depositing my money into my checking act. I called the next day, and spoke with an foreign woman asking about the email. she said I needed to e-sign the agreement, then I would get the email from the Underwriting dept. So I e-signed it on XXXX. On XXXX I called again, and the foreign sounding man said that " Unfortunately, our company has run out of funds. We will put your account on hold until the underwriters tell us to move forward with the funds. We will not take anything out of your checking account until then. '' I will be cancelling again with them as I tried to take out a loan with them on XX/XX/18 but it fell through and I withdrew my application.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX / XXXX / {$18000.00} XXXX XXXX XXXX / XXXX / {$7500.00} DEPTEDXXXX  / XXXX / {$0.00} USDOE/XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " personal information. Name reported. XXXX XXXX* Addresses Reported. XXXX XXXX XXXX. XXXX XXXX XXXX, N.Y XXXX Account. XXXX - MILESTONE  {$920.00}, 120 + DAYS LATE* XXXX XXXXXXXX XXXX 30 - 59 DAYS LATE* HARD INQUIRIES. XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 2021 Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant. XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX  XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

I have been a customer with Bank of America for over 20 years. I currently have XXXX savings, XXXX business, XXXX checking, and XXXX credit card accounts with their institution. I applied for a credit card with travel perks in XX/XX/2021 and was rewarded with a credit limit of {$17000.00}. As of XX/XX/2021, I have utilized {$5700.00} of the cards total limit. I was attempting to make a purchase on XX/XX/2021 for {$130.00} at a furniture store and my card was declined twice. I immediately reviewed by balance and available credit online and noticed my credit limit was reduced by {$11000.00} to {$6000.00} without notice or communication prior to providing a reason for this change. Although the {$130.00} was within the remaining balances threshold, I was very concerned the available credit was reduced without communication and by such a material amount. I immediately contacted Bank of America where I first spoke to their customer service department for credit cardholders. The representative informed me she could see where the credit limit was reduced but could not provide detail. From there, she transferred me to Collections. Collections informed me that they could not assist with credit card balances and transferred me to another line that was an automated line informing me to call during business hours, where business hours were not disclosed on the automated message. I called the customer service line again and spoke to XXXX XXXX in Texas ) and she informed me my account was in collections for a payment that was XXXX days late. I was in disbelief, as the payment was not even 30 days late to pay for such a drastic penalty. I requested for XXXX to transfer me to management, and spoke to someone name XXXX. XXXX, a manager at Bank of America credit card XXXX said a letter was mailed regular mail and I would receive a letter in XXXXeven days providing more detail, but there was nothing more he could do and referred me to call a credit agency. Although I understand the concept of credit and the associated risk, I was not informed or notified prior to this change. I also requested a copy of the credit card agreement indicating a reference in the card language stating my credit would be reduced. They could not provide this on demand- only by request, which draws concerns as well.

If Bank of America felt I was a high risk, I should have never received the {$17000.00} limit, as purchases were made with no knowledge that the limit would be reduced or I would be punished for making purchases on credit.

I am contacting you to help restore my limit and now my credit score because the debt to credit ratio with this card has now impacted a solid score of XXXX. It is my belief that Bank of America should be held responsible for their actions. Otherwise, Bank of America should know that I will be moving 100 % of my business to other institution ( s ) that at a minimum provide sufficient communication, rationale, and appreciation for long term customers.
Product: Debt collection

The alleged debt that Portfolio Recovery Associates listed on my credit report as a collections account falls under the Settlement between Portfolio Recovery Associates and the Consumer Financial Protection Bureau from XXXX XXXX, 2015. Per the settlement Portfolio Recovery Associates engaged in a pattern of " Without verifying the debts, the companies collected payments by pressuring consumers with false statements. '' This settlement applies to my circumstances because Portfolio Recovery Associates solicited payment on the debt with false statements from their representatives. In addition, Portfolio Recovery Associates, added a collections account to my credit report AFTER complaining to Consumer Financial Protection Bureau regarding their deceptive debt collection practices. In retaliation, Portfolio Recovery Associates added a collections account to my credit report without verifying the account. In addition, I was explicitly told that a lawsuit was pending if I did n't pay the debt immediately which was a lie. Furthermore, Portfolio Recovery Associates misled me by consenting to receive auto-dialed cell phone calls.
Product: Mortgage

I had text and calls with XXXX XXXX XXXX, I did escalate to Mr. Cooper head of legal. XXXX PRODUCE THESE TEXT RECORDS I did CC the Mr. Cooper board and advised them to the fact XXXX is not appropriate or capable bankruptcy management software as demonstrated because of human error and no check for errors or balance. 

Line by line review of the last XXXX  month and claims XXXX are needed. To start and make fixes I am owed {$50000.00}.