23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This is my second complaint. First one was initiated in XX/XX/XXXX, which Lending Tree responded XX/XX/XXXX : Complaint XXXX XXXX XXXX ) Lending Tree 's XXXX XXXX response was false. <P/>2 ) As of XX/XX/XXXX, the balance of {$8900.00} still appears 3 ) They fail to mention, they used the wrong account number in the XXXX XXXX account. <P/>4 ) They also failed to mention the all the other payments that made the account up to date. XX/XX/XXXX payment made XX/XX/XXXX for {$1200.00} 5 ) XXXX payment made XX/XX/XXXX for {$1200.00} 6 ) XX/XX/XXXX Payment made XX/XX/XXXX {$1200.00} ( after they had the wrong bank number ) 7 ) On XX/XX/XXXX a payment of {$8900.00} was made to pay off the account due to their not allowing us to send a check saying they could not guarantee it would arrive or be posted on time, regardless of how early it arrived. <P/>As a result of these payments, over {$12000.00} in payments within 90 days. They still have the balance and are calling this account 30 days late. This needs to be removed immediately or I will file a civil suit. <P/>PS - Your system was very difficult to use and only now was I able to see the response for the first time and respond. thank you for fixing the password issues.
Product: Vehicle loan or lease

i missed 3 payments called to notify the lender CNAC that i was in a accident and iam on leave from my employer they stated is there anyone else you can barrow to make a payment you are 40 days behind i said iam aware of that and you guys are not calling me you are calling and harrassing my references non stop and that is against the law in XXXX when it comes to any type of collection the CNAC STATED to me that if i do not make a payment of XXXX my car will be repossed i stated i informed you guys a while back made you aware of my situation you stated i have exhausted all the assistance you can provide and ask me to make a payment now i asked to refresh me on the contract that i agreed to and stated what help and or assistance CNAC provided my account with i was told that is confidential i did make a payemt of XXXX and made arrangements for the XXXX my payment schedule is XXXX every 2 weeks i did let them know 3 times i am on emergency medical leave due to a car accident and i need to defer these payments to the end of the loan while i heal and get my medical treatment i then was asked cant your employer barrow you the monies i said excuse me no i stated i do not now iam going to recieve a income pending the doctors evualuation and reccommendations i was put on FMLA LEAVE for 3odays pending my follow up now ineed injections and possibly surgery CNAC calls non stop wont assist and harrasses to repo my car
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1XXXX ( XXXX XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXXXXXX XXXX XXXXAccount : XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXXAccount : XXXX ) Has violated my rights XXXX ( XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX  XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX ) Has violated my rights
Product: Debt collection

My name is XXXX XXXX, and this is my response to CREDENCE RESOURCE MANAGEMENT regarding their collection practices related to an alleged debt, which I believe are in violation of several consumer protection laws, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681s-2 ( 7 ) ( A ). 

According to my credit report, there is a XXXX XXXX account listed that was opened on XX/XX/XXXX, with a debt amount of {$200.00}. I reached out to Credence Resource Management to clarify that I have been residing in XXXXXXXX XXXX, since XXXX. This situation has prompted significant doubts regarding the accuracy and legitimacy of the debt they are attempting to collect. To support my claim, I uploaded XXXX documents confirming my residence at the time the XXXX XXXX account was opened. 

Credence Resource Management has not ensured the accuracy and completeness of the information reported to the credit bureaus. They continue to report inaccurate and unverifiable information, which has negatively impacted my credit report and financial standing. 

I have provided proof of residence confirming that I was residing in XXXX when the XXXX XXXX account was established. Therefore, I request that CREDENCE RESOURCE MANAGEMENT promptly notify all credit bureaus to remove this account from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair '' credit Reporting act, GMFS XXXX XXXX, account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as my follow-up against the disputed items in my last complaint dated XX/XX/XXXX. The items are fraudulent and need to be deleted from my file Please delete the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Through my list of CFPB complaints ; I have documented the lack of communication, the continued misrepresentation by the investment group owning my mortgage debt separated from the accelerated mortgage, and the ongoing predatory lending practices that are illegal under The Racketeer Influenced and Corrupt Organizations Act ( RICO ). I have continued to work on a loan modification program. 

Instead, the investment organization has stonewalled all efforts for me to work out a modification plan through the banking institution Mr. Cooper. My complaint against these practices are XXXX, XXXX, XXXX, XXXX, XXXX. Upon completion of the requested loan modification package, I requested the application as I was told to complete the MAA ( Mortgage Assistance Application ) from their website. Once completed and submitted, I was later told it was the wrong form and asked to complete the MHAP ( Making Home Affordable Program ). 

After I have finally provided all updated income and requested explanations to identify all sources of income, Mr. Cooper has blocked all access to my loan modification process using the MHAP application package. This tactic is misleading, unfair, and creates a false sense of hope to maintain a primary residence for which I worked extremely hard to develop about 50 % of equity in the primary residence. Their practice of accelerated mortgage allows them to act as a predatory lender, XXXX, to steal all of my built up equity in the foreclosure process. 

As part of my complaint, I had to break one file into two pieces
Product: Consumer Loan

Recently I was involved in an auto accident ; a young driver attempted to cross a highway and caused an unavoidable collision. I was not at fault for this accident ; the other drive received a citation. My car was totaled, and along with the several cuts, bruises and shock, I also received a concussion. This concussion has made me quite foggy at times, slow to comprehend and process conversations, and has made it difficult to make decisions. I was out of work for a week and now have gone back with " light duty '' directions from my doctor. 
While trying to recover physically and emotionally from this accident I was forced to acquire another vehicle. After several days of online searches and in-person visits, I decided to purchase a 2013 Honda XXXX. I have always been a great fan and proponent of Honda cars, and I have almost always driven them. 
I was very glad to once again have a well-made, well-designed, reliable car and be able to put the auto shopping experience behind me. I could then re-focus my time and energy towards my XXXX recovery from the accident. 
Unfortunately, while in this concussion-recovery period, an extended warranty for {$2500.00} was erroneously purchased and included in my Honda financing. By the time I was introduced to the dealer 's finance staff that day, I was quite exhausted ; I had already been at the dealership for several hours. I certainly appreciated the 2.9 % APR but really was not making good decisions at that point. Within a few days I recognized the error and contacted the finance staff to rectify the situation and cancel the extended warranty. 
I was informed that the warranty could be cancelled but would not reduce my monthly payment or be taken off the balance due in the purchase agreement. The {$2500.00} XXXX would be subtracted at the end of my payment period. This would mean that my payments would end approximately ten months earlier at four years and two months, instead of the initial plan of five years of payments. 
I found this to be quite an irregular policy as I would then be paying interest and tax on an item I have no longer purchased ; an item I do not own! 
I do not want to pay tax and interest on an item that I do not own. 
If I return an item at the hardware store they would logically return the price of the item and the tax. If I did not purchase an item on a credit card, the credit card company would logically not charge me interest. 
Why am I being charged for an item I do not own? 
I am hoping that you may understand my perspective and logic, and be able to offer a solution.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per CDIA! 

I have recently obtained copies of my personal consumer credit report ( XXXX ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

Listed below are the Accounts and Inquiries that are being challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Ms. XXXX filed an identity theft dispute of the fraudulent MasterCard account upon which Fifth Third declared " We have conclusive evidence that you conducted the transaction '' via letter of XX/XX/18. However, they provided no supporting evidence of this conclusion. XXXX submitted a formal dispute, including victim 's police report, on XX/XX/XXXX. The certified/return receipt requested was received by XXXX with an illegible signature as of XX/XX/XXXX. On XX/XX/XXXX, Fifth Third claimed that they did not have the Limited Power of Attorney, provided by XXXX, as was signed for on XX/XX/XXXX. So that same day, Ms. XXXX submitted a file disclosure request as allowed by law. That was again signed by an unknown again on XX/XX/XXXX. Ms. XXXX was then contacted by Fifth Third on XX/XX/XXXX requesting a copy of the Limited Power of Attorney, police report and ID Theft affidavit ( again ). This documentation was faxed to the representative at the provided fax # of XXXX. To date, neither XXXX or Ms. XXXX has received any documentation supporting Fifth Third 's claim of validity or evidence that Ms. XXXX actually applied for, authorized or used the account in dispute. This is a complete failure of XXXX XXXX to abide by Ms. XXXX 's legal rights as provided by FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

First Access was inclined in my bankruptcy in XXXX of 2024. I filed a XXXX  XXXX. To date the bankruptcy is still in progress as it will be for the next 5 years. I informed my attorney of their attempts to collect debt from me dispite the filing. They sent them a warning letter and to date have continued to call, send mail and emails concerning this debt that is involved in an ongoing bankruptcy procedure, where again, this company has been added in, and made aware.They reported this information to the credit bureau as well, even though the credit bureau had this included in my bankruptcy prior. I filed a dispute regarding this.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX. please delete the following accounts. 

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

I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction regarding the persistent challenges I have faced in attempting to rectify a charge-off account listed on my credit report through Credit Bureaus XXXX Despite numerous attempts to address this matter, the charge-off entry remains, causing significant distress and negatively impacting my financial standing. 

The presence of the charge-off on my credit report is both inaccurate and unjustified. I have attached supporting documentation for each attempt made to rectify this situation, demonstrating my commitment to resolving this matter promptly. 

I request your immediate attention to the following matters : A thorough review and correction of the charge-off entry on my credit report. 

Confirmation, in writing, once the charge-off has been successfully removed. 

I understand the importance of accurate credit reporting and its direct impact on my ability to access financial services and favorable credit terms. Therefore, I expect a swift and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Mortgage

This has been an ongoing process, but, we have a mortgage with Flagstar that we fell behind on in XXXX. After a modification nightmare, we finally had it modified and brought current in XXXX XXXX. I had made some payments that had bounced out of my checking account. Some of those payments were my fault, with not having my checking balanced correctly, and some were not, such as multiple payments on the same day being made. Anyway, on XXXX XXXX, XXXX, we were due for XXXX, XXXX, with XXXX being due by the end of the month. I made XXXX 's payment on XXXX 1. I was in contact with XXXX XXXX from Flagstar 's contracted mortgage servicing company in XXXX, and told him when I would be able to catch all of it up, before the end of XXXX XXXX. On XXXX XXXX, Flagstar had reversed all of my payments that had cleared my checking from checking dating back to XXXX XXXX, XXXX. They also reversed some of the payments 2 times. This had brought me back to XXXX XXXX, owing, when this was not correct. I have been trying to work with XXXX XXXX, and his supervisor XXXX, for almost 3 and half weeks, with no progress. Bank statements have been sent, and the cashiering department at Flagstar still says that it is still past due to XXXX XXXX. I have made a payment in XXXX, and still do not know where this has been applied. I made another payment by XXXX XXXX, and thought it was applied, only to find out a week later that it was returned. We are at a loss, since I am only able to speak to those XXXX people. 
Here are the dates and the amounts that were reversed, which should not have been, because they have cleared my account. I have also included the date that it had cleared my account. 

XXXX {$1200.00} cleared XXXX XXXX, XXXX XXXX {$1100.00} cleared XXXX XXXX, XXXX XXXX {$1100.00} cleared XXXX XXXX, XXXX XXXX {$1100.00} Cleared XXXX XXXX, XXXX This should bring me to being due for XXXX, XXXX and XXXX. I have tried to make the XXXX and XXXX payments and those were not accepted. I still have the funds for them. 

None of these funds were credited back to my checking accounts, and they are not letting me know where they have been applied to.
Product: Payday loan, title loan, personal loan, or advance loan

Once again, in regard to my previous complaint still having issues when making payments. Filed previous complaint still having issues when making payments that net credit has not fixed.
Product: Debt collection

I lived in a student apartment from XXXX XXXX XXXX I lived in the unit with my sister and XXXX other girls that I didnt previously know. My sister and moved out on XXXX XXXX because our lease ended on the XXXX. The XXXX other girls left a lot of their personal belongings behind, including a vacuum, blankets, and all of their food in the fridge and the cabinets, and did NOT clean the common space we all shared, which was the kitchen and living room. My sister and I cleaned the kitchen floors and wiped the counters and cleaned out the section of the fridge we used. They hadnt been in the unit all summer, so we didnt know if they had officially moved out or not, but we also did not feel like it was our responsibility to clean up after them and discard of their items. We got move out statements in XXXX, and saw that we were being charged for cleaning and painting. The cleaning was due to our roommates items being left behind. The complex also said there was chipped paint, which is normal wear and tear. I sent a text message to the girls trying to figure out what was going on, but no one responded. Under Texas Law, landlords can not charge tenants for normal wear and tear, and chipped paint falls under that category. The pictures they sent do not show any severe damage, nor do they justify the charges. We didnt no anything to cause the paint to chip, thats what normally happens after time. They refuse to justify why theyre charging absurd amounts for painting and cleaning. They wrote that the unit needed heavy cleaning but nothing in the pictures shows that the unit was THAT dirty. My sister and I spent XXXX hours mopping and wiping everything down before we left.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX