23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Specialized Loan Ser vicing ( SLS ) has been notified on at lea st five se parate occasions, starting over a year ago, that I did not receive my  XXXX  Mortgage Interest Statement for the year  XXXX . The las t two call s I made, which have occurred today and  two mont hs ago, resulted in redundant information being given to me, again. The lady stated  XXXX  and  XXXX  statements were mailed, but there is no  XXXX  statement to send me ; that it was never generated. Today 's lady told me that I would have to contact the IRS directly to request them to send the information to SLS. This makes no sense to me. I 've received  XXXX  extra copies of the  XXXX  statement, instead of the  XXXX .
Product: Credit card

USAA has XXXX accounts that I have requested that they properly report the balance to the credit Bureaus. 
XXXX XXXX balance {$3900.00} XXXX XXXX balance {$4800.00} I have requested that USAA properly report the balances versus using balances that are XXXX cycles old. They advised that they do not provide reporting information to bureaus off cycle as they make the decision. As per the fair credit reporting act I am asking for help as this is negatively impacting my credit score. 

When I asked USAA for information to send to the XXXX bureaus they said that send my statement which has too much personal information to send in. They are not willing to get this done and I need it expedited.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : Bankruptcy XXXX  XXXX, as per Report ID : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXXr, I do XXXX as a side, XXXX as usual every year request a background check. Their servicer is the Checkr company. This company is in fault of my wages been lost, more than $ 2500+, they took more than 30+ days to do my background check. When I asked about the long time and what was going on, they told me that the check was in the county process and that was the reason they were taking that time. Now, after I notified them that I will file with FCRA, CFPB, they write me back saying that there are unable to proceed with my background check because of a miss of information. Thats completely wrong and the support agent XXXX is lying. I asked about the proof of that email they sent, Im still waiting for that email XXXX XXXX, told me. 

Adding here : They have access to my information directly with XXXX company, XXXX have my full name as how its supposed to be on my driver license.
Product: Mortgage

I have been in contact with your company since XXXX to no avail. I have been in contact with XXXX from your loss mitigation department. She agreed with everything in this complaint. She was forwarding this information to her supervisor XXXX and I was going to hear from her but I have not heard from either of them. The processor I haven't been able to successfully contact is XXXX XXXX ext. XXXX. 

On XX/XX/XXXX I recieved a COVID-19 forbearance agreement for the months of XXXX. I signed, notarized, dated and sent in the loan modification. In this paperwork, written up by your company on XX/XX/XXXX, it stated that my resuming payment of {$1800.00} was to be due on XX/XX/XXXX. I received my statement for XXXX and it was claiming that I owed for XXXX. All credited payments and principal curtailment have been applied to the loan. As far as I can tell this is a clerical error. On XX/XX/XXXX I received a letter stating that i'm in default and that foreclosure will begin if I do not pay the past due amount by XX/XX/XXXX. I have paid for XXXX, XXXX and XXXX. There should not be a past due amount. Again, XXXX was included in the loan modification.
Product: Payday loan, title loan, or personal loan

My wife & I purchased a mattress & a head board from XXXX XXXX XXXX. During the time we were buying the product we were in the middle of buying a home & could run our credit/ spend cash. We asked the owner about their promo & we see you have a promo going said " Get any product & finance for up to 12 months with " XXXX XXXX '' same as cash no credit checked need no down payment & etc. We asked all questions before agreeing to sign any documents & getting our products but how ever when inputting our personal information on XXXX XXXX Desk top. I notice a fine print saying if I do n't pay off the iteam in 3 months interest would add on & I would pay 40 % to 50 % more then what the item cost. I asked the owner why the fine print saying I would pay more if I do n't pay in 3months? He said " Oh disregard that! I have my finance guy take good care of you. '' & I do n't have to worry. I went ahead got the both items with my wife paid a {$50.00} each the Application ... but then during that time I also bought a Queen size frame cost {$77.00} & during check out the owner wife came & help but then she added everything thing up on the invoice & had me pay not realizing {$50.00} was supposed to go to XXXX XXXX. She discard everything her husband was doing. started an argument then a couple day 's later we got documents from XXXX XXXX & saw the item price we finance if is not what we agreed on in the store & sighed for so I called both companies. but was very rude to me like I did them something & also the rep told me please just pay her bill & ended the call. left looking foolish & do n't know what to do. I was side track from buying new home & getting a job that I forgot to file this complete from months ago. how ever I called again I later was told that fee I paid was a penalty if I what to pay of my items earlier then the 3 months & supposed to pay {$40.00} for the application & {$50.00} for early pay off. But in the store the owner charge my wife & I {$50.00}. I went to the store try getting back the money they refuse to refund us. I went back & forth with XXXX XXXX & the owner of store. Both refuse to help. Oh yes & on top of that I was told I had to pay the {$50.00} fee again they did n't get my application fee. I have now over paid for the product & also my wife & we really, really need your guy 's help because we are being told that now instead of the original cost at the end of the 12th months we are paying 3 time over what the item cost. That 's clearly a ripe off!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are fraudulent on my credit accounts : DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is  fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled and Fed Loan Servicing reported 90 day late in XX/XX/XXXX and was reported on XX/XX/XXXX. This account was closed and transferred to a different company in XXXX. 
I called Fed Loans was told I had 11 90 day late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

My children was in college in XXXX and XXXX. I should have had in school deferment. 

My file was updated XX/XX/XXXX and I do not have account with Fed Loans
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 ( eXb ) Account : I think XXXX XXXX XXXX XXXX, Account : I think XXXX XXXX XXXX XXXX Account : I think XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at All three of my Credit reports on XX/XX/year>2024 and noticed some things are Incomplete, not accurate an fraudulent. And according to the fair credit reporting act Whenever la consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the habitual about whom the report relates according to 15 USC 1681 ( eXb ). 'And according to 15 USC 168115 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 shall- ( ) 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 ( a ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to 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 card

Bank of America charged off the account in XX/XX/XXXX and still pursued me in court. They filed an action against me in XXXX. When was eventually served in XXXX they had many hearing without my knowledge in XXXX. I was not successful in court for requesting sanctions against their egregious actions. I requested sanctions and for the judgment to be vacated. I was unsuccessful because at the last minute, Bank of America decided to drop their ability to collect monies owed. I brought to the court attention. The fraud Bank of America was committing and attained a stay on the writ of execution. So instead of moving forward during our hearing, they withdrew their complaint. I have wasted many days preparing for this only for them to say never mind. I believe what they did was illegal that they knew the account was charged off and still proceeded to take me to court knowing they had no Real reason to collect. It doesnt make sense why a financial institution will go as far as to collect A judgment and then drop it at the very last minute. 
I have the register of actions showing all the steps they took to be successful and yet When I show the court they were illegal. Bank of America back off. Had I not been better prepared and known my legal rights, Bank of America wouldve garnished my wages with a default judgment. This should be investigated because they tried to take advantage of a XXXX person. Im also a military veteran, so the fraud is also considered a felony.
Product: Vehicle loan or lease

I cosigned for a loan with my daughter in XX/XX/XXXX with Exeter Finance LLC and unfortunately she had to let the car go back in XXXX due to her having problems with her XXXX. The loan has been closed for over 6 years and this company is still reporting on my credit that we still owe them. They have reported this as a charge off and profit and loss debt on my credit report and they are continuing to sell my information to other debt collectors. I have attempted to call them to discuss the matter but they will not remove it from my credit report. I know after 7 years it suppose to fall off but this is really hurting my credit rating. Please help if you can. Thank you for your time.
Product: Vehicle loan or lease

I am writing to formally lodge a complaint regarding deceptive practices, forged signatures, and multiple violations of the Truth in Lending Act ( TILA ) by XXXX XXXX XXXX, Kia Finance America, and associated parties. 

On XX/XX/XXXX, I entered into an agreement with XXXX XXXX XXXX for the purchase of a XXXX XXXX XXXX, with myself as the primary borrower and Kia Finance America as the lienholder. In XX/XX/XXXX, upon inquiring about the vehicles status from the co-borrowers and regarding late payments, I was informed by Kia Finance America that the vehicle had been sold. This information was confusing to me, as Kia Finance America had previously stated that both parties needed to be present for any actions regarding the vehicle. 

Upon further examination of the paperwork and calculations related to the loan, I discovered several errors that appear to violate the TILA and other federal laws. I have attached relevant documentation as proof of these discrepancies. Specifically, I was informed by XXXX XXXX Kias legal representative that the vehicle was traded in, but I was not informed of the details of this transaction until much later. It was revealed that my signature had been forged to complete the transaction. 

When I contacted XXXX XXXX, the General XXXX at XXXX XXXX XXXX, she responded by creating additional documentation that further obfuscated the situation, making it difficult to understand what transpired during the transaction. 

I am requesting the following : 1. The {$5000.00} rebate that was deceptively withheld due to confusing and misleading language in the paperwork. The prefilled document for the retail incentive led me to believe I needed to elect to use the rebate towards the purchase of a new vehicle, even though I had a down payment available and desperately needed a cash refund from the consumer transaction. The seller failed to provide any clear information on how the rebate could be used or what it could be used for, leaving me with no clarity regarding my options. 
2. A refund of every dollar that I have paid towards this vehicle, including all payments made under deceptive practices and miscalculations.

3. Legal action against anyone who unlawfully placed my signature on documents without my consent, as well as a detailed explanation regarding why my signature was forged.

4. A formal investigation into Kia Finance America for extending a loan based on miscalculations and violations of federal laws, including the TILA.

I have calculated the true amount financed and the finance charge based on the errors in the documentation : The actual amount financed should be {$23000.00}, after deducting the doc fee ( {$690.00} ), maintenance fee ( {$600.00} ), and extended warranty ( {$2000.00} ). 
The finance charge should increase from {$7500.00} to {$10000.00} once the additional fees are included, as required by TILA.

The true total of payments over the life of the loan should be {$34000.00}, and the correct monthly payment should be {$470.00} instead of the {$480.00} that was quoted to me.
Product: Credit reporting or other personal consumer reports

Santander Consumer is illegally opening and closing an auto and reporting inaccurate information to the credit bureau. I've file several complaints regarding the improper use of my credit report and also a violation of the law. 

On XX/XX/XXXX, I pulled my credit report to see that Santander Consumer is still violating my consumer rights by reporting inaccurate information regarding litigation of an auto loan that was open in XXXX of XXXX  ( Account Number : XXXX ), Santander consumer is illegally opening and closing the auto loan and reporting false information to XXXX, XXXX, and XXXX for a charge off account. Santander consumer is reporting a balance of XXXX and a higher balance of XXXX, XXXX, the last activity on the report is also inaccurate along with the payment history. Santander Consumer is continuing their deceptive and predatory lending practices even after being fined. 

Santander Consumer is believed to be in violation of the following : inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts in violation of 623 ( a ) ( 5 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 5 ) ; and ( 4 ) Respondent failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order ).
Product: Debt collection

XXXX, 2023 XXXX 
After Insurance paid, the remaining balance was {$90.00}. On XX/XX/XXXX, I paid in full through the patient portal. The payment was not posted and I was told they could not see the payment. 

I asked my bank to reverse the charge since XXXX XXXX had some technical issues. They denied my request because I had a relationship with the merchant and I had actually used my debit card to pay them. They were willing to assist XXXX in order to resolve the issue. 

I have had numerous phone calls regarding this issues. Made two trips to XXXX in an effort to resolve the issue with an Administrator and they were not available. I have left several messages on the Administrator 's voice mail and have not been given a call back to schedule a date and time to meet with them. 

Since XXXX, I have repeatedly tried to resolve this issue. I have faxed my bank statement, a letter from my bank, and now it has been sent to a different collection agency. However, Revco Solutions can see all phone log communication, confirmation proof of payment was provided, but they say I still owe the bill. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this coomplaint with the help of the Consumer Financial Protection Bureau to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of being reported on my Credit File. The items in question are as follows : 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 I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ), TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from the fraud, not later than 4 business days after the date of receipt. Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.
Product: Student loan

My stepdad cosigned a private educational loan through XXXX for me. Years later I was making minimal payments to XXXX on the private educational loan. When I filed for bankruptcy, I was informed that my student loans including the private educational loan with XXXX would stay as they were. After I my bankruptcy was discharged, I learned that Navient had taken over the loan. However, Navient changed the private educational loan to a personal loan with just my stepdad 's name on it. We spent almost a year trying to understand how an educational loan could be turned into a personal loan with Navient management. Navient management could n't find the source of how an educational loan was turned into a personal loan but refused to correct it. My parents finally just made a repayment plan that I could afford. We have been making payments every since.
Product: Checking or savings account

In 2019, Chase Bank decided to end my relationship with them there was a balance leftover and I was able to take care of the balance. However, I spoke to a representative from XXXX XXXX XXXX and they stated that Chase is still reporting through XXXX which is preventing me from opening an account. Today, I spoke to a representative from Chase Executive Office and was told that Chase is not reporting anything through XXXX. Is there a way for someone can verify if Chase is not reporting to XXXX and if so, can it be removed completely from my report? Please, I ask I am having a hard time opening an account and dealing with this constant battle. It's been two years and Chase has not provided any updates or changes at all to XXXX I want it remove.
Product: Debt collection

I received a letter from a out of state Law Firm about a so called debt. I live in Pennsylvania so I requested information in to this firm and its practices and licenses that give them a right to collect a debt in Pennsylvania. I as asked for information in regarding so called debt including all information and dates of so called debt. to include original creditor and statue of limitations in my State of Pennsylvania. I believe this to be a fraudulent claim and practice.
Product: Debt collection

I was XXXX years old and still under my mother 's care. Now knowing she never had health insurance for me and was not giving me any of my bills, I as a young adult, knew nothing of most of these debts. I never received correspondence or the right to dispute. I had serious, chronic health issues as a young adult and am now- 5 years later recieving relentless calls from blocked and out of states numbers. 2 times they never disclosed they were debt collectors and refused to stop calling me while I was at work. I contacted one back and began a payment plan with them. At first they refused to take less than XXXX dollars a month- I am a XXXX XXXX college student and living on my own. I told them the very most I could do was XXXX and have been paying it for a year with no correspondence of my current balance. No one ever mentioned I could dispute it or could send me an itemized bill- some of the bills are over 7 years old!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple court records on my credit report about a person with similar name as me but he has a middle name. 

The persons birthday is same as me but the only difference is he has a middle name. I have never been XXXX  in my life and I have always lived in California. This person was XXXX  in Maryland.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX