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

I've tried contacting Customer Service by phone on:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

and online every month (since XXXX) to get more information about why the daily interest keeps me from paying off my loan in a timely and reasonable manner. 

I have been paying as required yet I seem to only be paying approximately 1% off every year as far as I can tell. 

More detailed statements about how the monthly amount is distributed between the principal and interest since this loan was established would be appreciated so that I can ascertain if my finances will allow me to increase my monthly payment reasonably.

At this rate, my car loan (which is 7 times as much and a year younger than this loan) would be paid off sooner! 

Since phone calls go unanswered and the Website always manages to have trouble any time that I want to question what is going on, I'm seeking information through this medium.
Product: Mortgage

Ive had two exemptions on my Home which is the survivor benefits My husband was XXXX XXXX XXXX  and we didnt pay taxes I also have the homestead exemption and the mortgage company is refusing to complete an escrow analysis Im paying XXXX a month with all the taxes. Ive been asking since XX/XX/year> to run an escrow analysis with the exemptions. 
They always have excuses and wont transfer me to the escrow department. They told me theres not one available.

I also went out and placed new home insurance policy to decrease the monthly mortgage payment but they refuse to help me in any way.
Product: Student loan

My student loans transferred from XXXX to FedLoan Servicing in late XX/XX/XXXX/early XX/XX/XXXX. I have yet to receive notification regarding the number of qualifying payments I have made toward the Public Service Loan Forgiveness Program. I sent an email XX/XX/XXXX asking when I can expect to receiving notification regarding the number of qualifying payments. When my loans transferred, I submitted all signed Employment Certification Forms for all employers. I received a response from FedLoan Servicing on XX/XX/XXXX stating to please allow 70-90 days to complete the review. I submitted the same question to FedLoan Servicing again on XX/XX/XXXX. I received a response on XX/XX/XXXX stating that each account must go through a detailed review process. I submitted yet another email asking the same question on XX/XX/XXXX. I received a response from FedLoan Servicing on XX/XX/XXXX stating again that each account must go through a detailed review process. I submitted the same question again on XX/XX/XXXX and received the same response from FedLoan Servicing on XX/XX/XXXX. As of today, XX/XX/XXXX, I still do not know how many qualifying payments I have made toward Public Servicing Loan Forgiveness for the Employment Certification Forms submitted when my loans transferred. I have only been credited for certification forms submitted after my loans transferred for my current employer. It should not take nearly two years to review my payment history. I even submitted the same information again, but I used the most recent Employment Certification Form for employers before my loans transferred. I still have yet to hear anything.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX and the three major credit bureaus ( XXXX, XXXX, and TransUnion ) due to their failure to properly investigate and correct inaccurate information on my credit report. 

The account in question is a XXXX collection account that has been incorrectly reported and verified despite my multiple disputes. 

XXXX is reporting inaccurate information. 

I have disputed this account multiple times, yet XXXX has failed to provide proper validation of the debt, including original contracts, billing statements, or proof of my obligation to pay this amount. 

The information being reported does not accurately reflect my account status and may include incorrect balances or unauthorized charges. 

The credit bureaus ( XXXX, XXXX, and TransUnion ) have violated the FCRA by failing to conduct a proper investigation. 

Despite my disputes, the credit bureaus have continued to report this account without adequate verification.

Under 15 U.S.C. 1681i ( a ), they are required to conduct a reasonable investigation and remove information that can not be properly verified. 

I initially disputed this account with all three credit bureaus, but the disputes were resolved in XXXX favor without sufficient documentation. 

I have filed a XXXX complaint against XXXX, but they have refused to remove the account. 

I have reopened disputes with XXXX, XXXX, and TransUnion, yet the account remains. 

I am attaching copies of my dispute letters, responses from credit bureaus, and my XXXX  complaint for reference. 

I expect a prompt response and resolution to this matter within the required 15-day timeframe as per CFPB guidelines. 

Sincerely, XXXX XXXX
Product: Credit reporting

All of my inquiries were deleted from Transunion and then reappeared without me being informed.
Product: Debt collection

Someone called me from ( XXXX ) XXXX stating I had a old credit card bill ( Capital one ) that I owed over {$16000.00}. and they wanted to come an appraise my XXXX XXXX vehicle. 

I do not owe any money to Capital one. Card ending in : XXXX case # XXXX another number they left XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Toyota Financial Services reported the XXXX late payment to my credit report and ruined my credit. 
I am in the middle of the mortgage process and I am losing my home due to this issue. 

Attached, you will find a copy of the letter received from Toyota Financial Services ( TFS ), indicating their decision not to remove the late payments from my credit report. Additionally, I have forwarded another letter to Toyota TFS requesting a reconsideration of their decision. 

Allow me to explain the situation at hand. 

On XX/XX/2023, I canceled my Toyota service agreement, anticipating a refund of {$2200.00} to be credited to my Toyota account. I was under the impression that this refund would cover my monthly payments. Regrettably, it was only after contacting Toyota Financial Services ( TFS ) following the holiday period that I became aware of a missed payment. Subsequently, I promptly made the payment. However, despite updating my account to reflect my current status, Toyota did not delete the XXXX late payment for XX/XX/2023 from my credit report. Attached, you will find my Toyota account transaction history. 

There was no indication, verbally or in writing, that the refund would only be allocated towards the principal rather than both principal and interest. Moreover, there is no mention of such terms in the cancellation agreement ( attached ). 

While Toyota has updated my account to reflect a decrease in overall debt, resulting in a slight increase in my credit score, my current XXXX mortgage XXXX XXXX stands at XXXX ( I need min XXXX, and no late payments on my record ). 

The dispute process may take a long time to resolve, and I believe it is unfair that I am losing my home because of this mistake. This does not accurately reflect my creditworthiness ; rather, it reflects my naivety I eagerly await your guidance and any additional requirements you may have. Your assistance in resolving this matter is greatly appreciated. 

Thank you for your attention to this pressing matter. I am looking forward to hearing from you. 

Warm regards, XXXX
Product: Credit reporting or other personal consumer reports

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( c ), consumers have the right to request that a debt collector ceases further communication regarding a debt. When a consumer sends a written request or informs the collector that they refuse to pay, the collector is legally obligated to stop contacting the consumer, with only a few exceptions. Heres a breakdown of what this provision entails and how it might impact your credit profile : 1. Purpose of 1692c ( c ) : This section allows consumers to regain control over communications from debt collectors. Once a collector receives a written cease communication request or a clear statement of refusal to pay, they must comply by stopping most forms of contact.

2. Exceptions to the Rule : After a 1692c ( c ) request, a collector can still contact the consumer to : Inform them that collection efforts will cease.

Notify them of any specific legal actions the collector or creditor intends to take.

Confirm or provide additional information regarding the debt.

3. How 1692c ( c ) Impacts Credit Reporting : Requesting a cessation of communication does not directly remove a debt from your credit report. It stops communication but does not erase the debt or affect its validity. However, if a debt collector violates this provision, you may have grounds to dispute the debt if it continues to appear on your report or if communication persists in violation of the law.

4. Challenging Debt Legitimacy : Although 1692c ( c ) does not remove a debt from a credit profile, you can dispute inaccurate or outdated debt entries separately under the Fair Credit Reporting Act ( FCRA ). If successful, such a dispute can lead to the debt being corrected or removed.

5. Steps if Debt Remains on Credit Profile After Request : You may need to submit disputes to the credit reporting agencies, providing any evidence of the written 1692c ( c ) request. This can bolster your case for removal if the debt remains inaccurately listed as unresolved or active in collections.

This section ensures peace from collection calls but doesnt erase the record of debt ; however, it provides leverage if the collector violates these rules.

C
Product: Debt collection

I have dispute this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.
Product: Checking or savings account

This is part of the Wells Fargo Law Enforcement action law suit, I had an account with wells Fargo during those years and got a small check from them in this law suite XXXX 
I want to know if I will be getting more money? They charged excess NFS fees and then they just closed my account. It was the Wells Fargo Bank located in XXXX Alaska, I do not have a copy of the check, but I'm sure with this law suite they can find it. Now that I have gotten one check I'm sure there is more that will be given out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, Transunion, and XXXX  of inaccurate items being reported on my credit reports. XXXX  and Transunion removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit card or prepaid card

I contacted wisely pay cards dispute center on XX/XX/XXXX after recieving a letter of a disputed charge in which they didn't properly dispute the correct transaction. Once they corrected the issue and filed a dispute for the correct transaction. i received the correct dispute letter on XX/XX/2022 and sent it back through email on XXXX XXXX as of XX/XX/2022 i had not received any provisional credit as stated by bank. the time frame was to send the form back within 10 business days from the form being mailed to me. i contacted the bank XX/XX/2022 regarding the dispute and credit. i was told that i needed to request the credit verbally, which is not true. stating they would file a request for the credit today. Wisely card company has a habit of deceiving consumers who file disputes because they dot want to assist. they create obstacles that's not even in their terms and conditions in order to not have to provide provisional credit. as of XX/XX/2022 i still have not received credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

PER REPORT XX/XX/2019, TRANSUNION I have continued to report this to the CFPB and nothing happens. TransUnion and XXXX continue to report XXXX XXXX accounts on my reports even though I have provided documentation from the courts showing they are to be removed IMMEDIATELY with signature by the honorable judge. It is like these accounts never existed and they are not allowed to be on the report. XXXX removed them with zero issue. 

Furthermore, I continue to get the attached letters from XXXX XXXX that they need more information. More proof they don't even have anything on file that proves these are my accounts. FCRA 609/623 states they must remove them. Copies of bills do not constitute as proof. Zero video, zero phone call, zero proof of signature. No request of WHO, WHAT, WHERE and WHEN were these accounts verified and accurate with! 

Going back to the legal documents signed by a judge -- they have to be removed -- PERIOD
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality

under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting
agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this Account Off My Credit please. This Account should Not be on my Credit This is against The law for someone to steal my identity. I did not give any Consent for this account to be open. 
this is very stressful. I'm a single father that is trying to survive for me and my kids I'm about to be on XXXX XXXX with my kids cause every time they check my credit they see this fraudulent account which makes me look bad as as a person and theses companies don't trust me which i pay all of my bills on time pleases help me resolve this situation or I will be on XXXX XXXX with my kids with covid 19 I am so afraid
Product: Mortgage

I tried to set up a repayment plan with PHH. By stating that on XX/XX/XXXX I was going to pay {$1500.00} with a 5 day grace period and the rest to be divided by the rest of the loan. On XX/XX/XXXX I got an email from PHH stating that they could not set that up because my mortgage ends on XX/XX/XXXX which they should have known. So I emailed back stating that can we not do it for the remaining months so I can refinance and be done with each other. 
While I was waiting for a reply to my email I received the letter dated on XX/XX/XXXX that they handed my account to the lawyer to start foreclosure. So how is that possible? Why are you working on a plan with me yet not working on really? 
Please help me get it fixed so that I can get on a payment plan or get it modified. 
I did everything I can to get this back on track they turned me down. I want to keep my house. I want to stay in my house.
Product: Debt collection

Issue # 1 : Landlord/creditor XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is claiming a cleaning fee of $ XXXX+interest. Cleaning fee contractually only charged in case where cleaning is not done prior to move-out. Landlord was provided proof of cleaning invoice via email on XX/XX/year>. 

Issue # 2 : Landlord/creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is claiming damages+interest to property but does not have a legal judgement or any evidence. Email communication showed that landlord was speculating on damages that happened in building, not in unit. These were not caused by me but landlord speculates ( without evidence ) that they were. 

These are the two false claims. This is not the full extent of the issue with the credit filing.
Product: Debt collection

I have been continuously getting the run around from  XXXX   XXXX   XXXX   XXXX  and LJ Ross Associates regarding my medical bills- patient responsibility amounts. I called  XXXX   XXXX   XXXX   XXXX  in  XX/XX/XXXX  to make a payment arrangement on ALL outstanding bills as the statement I received in the mail stated. It stated that if I was unable to pay that I could call and setup a payment arrangement. I called  XXXX   XXXX   XXXX   XXXX  and was setup on a payment arrangement and paid the balance in full  XX/XX/XXXX   . Then the very next day  I g ot a letter from LJ Ross Associates which is a debt collection agency for a balance I thought I just paid through the payment arrangement.  XXXX   XXXX   XXXX  uses, LJ Ross Associates as a debt collector and the few bills that I was under the impression I was paying off were not included in the payment arrangement only facility fees. I called  XXXX   XXXX   XXXX  after talking to a representative a t LJ  Ross and the  XXXX   XXXX   XXXX  billing representative "  XXXX  '' told me that, that bill was not included in the payment arrangement. I do not understand how they could have been left them out when I asked for " ALL '' outstanding bills to be setup on a payment arrangement bills. I am in the process of obtaining a mortgage and this is hurting  my credit score. This  is super frustrating and this is not the first time  XXXX   XXXX   XXXX  has billed me incorrectly. In the past they have not billed my insurance timely and then when they finally do bill my insurance and my insurance pays their portion I get sent my co-pay or patient responsibility to a debt collector instead of giving me the opportunity to pay first.  XXXX   XXXX   XXXX  facility has gone through various changes through the past 10 years and I really think that they have cut corners to clear accounts before new owners have taken over. Fortunately, I have gotten those past issue off my credit report by disputes through the  XXXX  credit bureaus, but this is getting very frustrating and I need this to stop. I 'm sure I am not the only that this issue has happen too.  XXXX   XXXX   XXXX  billing practices ne ed to be investigated. And currently the bills I have been responsible for that were sent to LJ Ross for  collection were paid an d LJ Ross list ed them as a charge off on my credit report when that is not accurate. I understand that may be a separate issue but both companies practices should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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: Debt collection

XXXX ( XXXX XXXX XXXX ), a wholly owned subsidiary of XXXX placed me in collections for a bill that I never received. My first notice was the harmful, damage to my credit score when I received a notice from a negative report showing up by my credit monitoring service. I contacted XXXX regarding this collection on XX/XX/XXXX. They claim that I owe a doctor for services rendered on XX/XX/XXXX. I told them I never received a bill or notice of collection. They responded that they sent it and it came back. I gave them my address and asked for more information. They tried to get me to pay {$450.00} to have the collection removed from my credit report. I told them I was not familiar with the claim or alleged doctors claiming to have provided me service. I am a senior citizen living on a fixed income. I can can not afford to pay extortion money to Collection Agencies like XXXX who bully senior citizens. I got the name of the doctor and contacted the hospital to try and reach him to no avail. I then contacted XXXX to inquire as to why the bill was not paid. The XXXX Representative reviewed all of the charges and payments for that claim, including 4 different doctors that were paid for services rendered. XXXX had not received any claim from this new doctor. They also indicated that it is " Illegal '' for Doctors to bill patients without first billing XXXX. It is an " Assignment Violation '' to do so. Further, the said doctor never sent me a bill in the first place. It seems very unfair to harm me and my family by further damaging our reputation and credit scores by sending it to collections without ever sending me a bill in the first place. I contacted XXXX again today to complain. I also gave them my XXXX Number, which is also my Social Security Number plus a letter. No wonder, " Identity Theft is so rampant in America today. I have also been harmed greatly by Identity Theft due to this very sort of stupidity in our systems. I asked the lady to bill XXXX if they believe I owe them money and to remove the " Collections '' reported to the three ( 3 ) credit bureaus. I also contacted XXXX the parent company of XXXX to complain about their " Extortion '' attempts to pay them off for removing the Collection report. XXXX said essentially they do not care and to take up the matter with XXXX. I refuse to be bullied and pay extortion to criminals like XXXX. The Fair Credit Reporting Act is a joke. CFPB, DO YOUR JOB!!
Product: Credit card

My credit card from Chase offers a pay over time feature called " My Chase Plan '' for certain large purchases. However, the advertising/offer for this service is deceptive. The " Payment plan options '' screen lists several different term options, and each says ( for example ) " This amount includes a monthly fee of {$43.00} with no interest ''. However, given that this " fee '' varies by term and amount, it clearly *is* " interest. ''