23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Premier Student Loan Center contacted me about student loan consolidation. I was instructed after gathering my information that I was approved for a student loan forgiveness program and would only be responsible for a portion of what I owed. After receiving charges on my account from XXXX XXXX XXXX I started to question this and contacted the Department of Education. I was instructed that their is no charge for this process and that this was a scam. The representative told me that these companies claim to be making payments on my student loan when in fact my payment amount is XXXX. She also told me that the consolidation process was free. I am calling this company but no one will return my call. I have disputed this with my bank and have filed a police report with local police. My student loan has not been forgiven like they claim. Please advise.
Product: Credit reporting, credit repair services, 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. 


Account name : XXXX  Account NumberXXXX  Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX  Account Number:XXXX Account name XXXX XXXX  XXXX Account Number:XXXX has violated my rights. Or list of inquiries XXXX5 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.
Product: Debt collection

The company contacted me via text on XX/XX/2024 Without telling me they were a debt collector attempting to collect a debt. This is a direct violation of 15 U.S. Code 1692e ( 11 ) which states " ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ''
Product: Mortgage

My loan was transferred from XXXX XXXX Home Mortgage to Bayview Loan Servicing LLC on XXXX XXXX, 2013. When the loan was transferred I was working on a repayment agreement with XXXX XXXX. The repayment agreement was really XXXX that was not affordable, but I agreed to it in order to keep my home. After the loan went to Bayview Loan Servicing I 'd asked about a repayment plan that was a little more affordable and submitted letters explaining why the plan that I was on with XXXX XXXX was so difficult to make. Bayview offered a different plan, but it was still not affordable and the payments were not calculated correctly. I tried to explain this to my asset manager time and time again. I 'd made a payment of {$1500.00} back in XXXX 2013 and the payment was not posted correctly and caused my loan to appear as though it was further past due then it really was at the time. Bayview had force placed insurance on my loan and I provided necessary documents which proved there was no lapse in coverage. As a matter of fact, my mortgage included escrow for taxes and insurance, so I do n't know why this was ever a question. My balance on my loan has increased and I do n't really understand what happened. There was money in a suspense account that went toward late fees etc.. I told the asset manager that the money in suspense should have went toward my mortgage or at least ask me if I could put money with it to make a payment. I am showing XXXX payments past due on my mortgage, but not in foreclosure yet. I have paperwork to complete a loan modification and I will be submitting it to Bayview within the next week. I would like for you to investigate my payment history, force placed insurance and review terms for a loan modification.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

I closed out on a HELOC with Lendage on XXXX XXXX XXXX Who in turn sold the loan to Achieve, Specialized Loan Services XXXX XXXX XXXX The amount of the LOC was {$54000.00} at a 12 % interest rate. They consistently emphasized my loan was 12 % APR, never did they say the daily per diem would continued to be assessed. I was told the per diem of {$17.00} - {$18.00} per day would be charged through XXXX day of of which my XXXX payment was made. However, in reviewing my loan statement on XXXX XX/XX/year>. I noticed I was still being charged per diem. 

My monthly payment is {$64000.00}. approximately {$140.00} XXXX goes to principle and approximately {$480.00} goes to finance charges *which are the daily per diem charges. 

on XXXX XX/XX/year>, I contacted Achieve, and spoke to the customer services member who explained because I have an opened ended line of credit, I'm subject to a continual per diem until the " close '' of the loan, meaning the maturity of the loan in XXXX. Apparently, because I can potentially withdraw for the available LOC, I'm being charged a per-diem even if I never withdraw any additional money. 

I informed her that I don't recalling signing anything that stated I agreed to the daily per diem charged. So, on XXXX XX/XX/year>, I filed a consumer complaint with the Colorado Attorney General, who in turn as provided guidance for me to file a complaint with this office as well. 

Therefore, I'm paying a 12 % interest on the original withdraw plus a daily per-diem for the life of the loan, because it is considered an open loan not closed. This is misleading representation and fraud. When they expressed " closed '' they led me to beleive the close was on XXXX XXXX XXXX as a XXXX veteran with a VA mortgage, I would have never agreed to these type of excessive fees on a monthly basis to place my mortgage under lean and risk. I feel these additional finance charges are illegal and usury. Request these excessive finance charges and daily per diem fees cease and any money I paid in excess to the original 12 % interest charge be refunded. 

I pray this company is fully investigated to ensure this is not a pattern and that other people are not affected by this company.
Product: Bank account or service

Went this morning XX/XX/XXXX to withdraw {$20.00} from my husband 's account at machine was broken so decided to go through drive through my situation was dealt with by XXXX XXXX whom informed me I could n't withdrawal the funds out of my husband 's account since I 'm not on the account ( even though I 've done this a XXXX times before ) I left and went to XXXX to get the money I needed. About 2 hrs later I went back to the bank after having lunch with my husband and getting his check, I went to deposit it. Again, I was dealt with by XXXX XXXX, she was very rude and used a smart XXXX tone saying she could n't cash it I replied " I want to deposit it '' this whole time she 's bobbing her head all about as if she 's a bobble head, deposits the check and again in a rude high pitched tone tells me to have a good weekend. Thus lady was very rude and had no right to speak to me in the tone she did I honestly do n't even want her handling my money so am considering closing the account so I do n't have to deal with her again.I have never been spoken to this way at any other bank and was quite surprised at the childish way she acted as if I was stupid. I ca n't imagine her treating elderly people that way nor anyone else. She needs more training or another job she clearly is n't good with the general public. I have never seen her in there before but if we decide to keep the account open I hope I never have to do business with her rude and obnoxious personality.
Product: Mortgage

I refinanced my mortgage last year and the mortgage was resold to Chase Mortgage. I now have 10 payments that have been misapplied. All 10 of these payments were made by check with written instructions on the check and with an attached mortgage coupon with written instructions duplicated on the mortgage coupon. 

My mortgage is a conventional mortgage and the governing deed of trust is a standard XXXX form. Chase is not following the processes set forth in the deed of trust. 

I would be happy if the standard language in the XXXX form were to be followed as it would have the same results as the written instructions that are not being followed. 

It is my understanding that Chase can only set rules about how they apply payments if I am late on my payments. I have never been late on a payment and some of my communications have been to get them to apply payments correctly before my due date. 

Chase keeps telling me that it is my responsibility to tell them when they need to make a correction, but the misapplied payments are routine and regular ( they have never gotten a single payment applied correctly ). 

I have approx. 30 contacts and communications with Chase mortgage and still have no resolution.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023 I was charged roughly {$1000.00} for a custom shorts order through XXXX. They sent a payment portal through the company Plastiq. XXXX XXXX took 5 months to finally ship the shorts. When they finally did 4 pairs ( {$240.00} worth never showed up ). I have video proof from my front porch that only one box was ever delivered. I repeatedly contacted XXXX XXXX to let them fix their mistake and they ceased responding. I attempted to do a chargeback with chase but too much time had elapsed since the initial charge. Following this I repeatedly explained everything to Plastiq and XXXX XXXX and they have never responded. I could not even track the package to see if it was supposed to be two boxes because the only tracking provided was an empty link to the ups website. This has been a horrible experience overall with both Plastiq and XXXX XXXX. I would recommend never using or purchasing from either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX
Product: Vehicle loan or lease

Honda Financial and other car manufacturers have put pressure on financing companies to restrict options at the end of the lease XXXX XXXX XXXX 

This is a monopolistic restriction, allowing the car companies to strong arm their financial partners into preventing sales to other car manufacturers ( XXXX ) or used car dealerships ( XXXX ). 

I have a used XXXX XXXX XXXX that is ending it's lease in XXXX of XXXX. Due to lower driving through the pandemic, the car has gained a lot of positive equity over the last two years. Unfortunately, the only way I am able to see the equity I have earned, is by purchasing another lease from XXXX. 

On XX/XX/XXXX, I went to XXXX for an estimate in equity for my vehicle. XXXX informed me of their policy and was unable to even provide an estimate for my vehicle due to this restriction. This makes buyers less informed on residual value, as well as a monopolistic restriction. 

After purchasing a new XXXX lease, I was informed on XX/XX/XXXX that XXXX was unable to handle the trade in of the car due to the same financial restrictions. 

In both of these scenarios, the companies informed me that I could purchase my vehicle directly from Honda, but that the process would take over a month, and that a clean title was required to proceed in either scenario. 

These restrictions have only driven up car prices during a pandemic, leading to higher inflation and an impact to everyday Americans.
Product: Mortgage

My original loan was with XXXX XXXX XXXX, who transferred it to XXXX. I became very ill and underwent three XXXX last year and had missed several payments but XXXX encouraged me to apply for a loan modification. I was in the midst of completing the necessary paper work when XXXX returned my most recent two mortgage payments and notified me that my loan was transferred to Bayview Loan Servicing. This is when the real nightmare began!

Bayview would not any accept payments from me. They immediately served me with a notice of default. I completed their loan modification paperwork and submitted it, only to have them time and time again send me notifications that they needed additional information. This process began in XX/XX/XXXX. The loan modification is still " in progress. '' The request I received in the mail today asks for " a copy of Estate Documents i.e. executed Last Will and Testament '' and " Copy of Trust Agreement. Must be irrevocable trust with borrower reflected as beneficiary ''! 

I have complete records of their correspondence along with all my responses that I sent registered mail with tracking numbers. I also have a phone log of my numerous attempts to contact them by phone. I have been shut down from accessing my account via their website. 

Foreclosure is scheduled for XX/XX/XXXX. I have the funds available but they will not tell me the reinstatement amount. I have made four requests via email beginning XX/XX/XXXX. I was notified ( with the foreclosure documents ) to contact their partner, XXXX XXXX XXXX XXXX of WA. Neither Bayview or XXXX XXXX XXXX will provide me with the information I need to make payment to keep my home. 

Bayview is the most corrupt company I have every done business with. Can you help?
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) across all three credit bureaus : Experian, Equifax, and TransUnion. The errors and violations make the reporting misleading, inconsistent, and unverifiable, requiring immediate deletion of this account. '' Future Date Reporting ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681i ( a ) ( 5 ) Unverifiable Information Must Be Deleted Equifax, Experian, and TransUnion report a 'Balance Updated " date of XX/XX/XXXX. 
This is impossible since we are already in XX/XX/XXXX. 
Any inaccurate or unverifiable information must be removed under the FCRA. 

Charge-Off with an Outstanding Balance ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681s-2 ( a ) Furnishers Must Report Accurate Information The account is reported as charged off but still shows a past due balance of {$30000.00}.

A charge-off means the lender has written off the debt and should not be reporting an outstanding balance.

If the debt was sold or transferred, the balance should be reported as {$0.00}.

Contradictory Payment History Reporting Conflicts ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681e ( b ) Inconsistent & Misleading Reporting TransUnion reports no past due balance in early XXXX, but later months suddenly show delinquencies. 
Experian and Equifax list the account as past due throughout XXXX, contradicting TransUnion. 
The account can not be both current and delinquent at the same time, making this reporting unverifiable. 
Inconsistent Account Open Date vs. First Delinquency ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681e ( b ) Inaccurate Reporting The account was opened in XX/XX/XXXX, but the first delinquency is reported as XX/XX/XXXX. 
This suggests the loan defaulted in just 5 months, which is highly unusual and signals a potential reporting error. 

No Proof of Debt Ownership ( FDCPA Violation ) Violation : FDCPA 15 U.S.C. 1692g Debt Validation Requirement My credit reports do not indicate whether XXXX XXXX XXXX XXXX still owns this debt. 
If the debt has been sold to a third-party collection agency, they must report a {$0.00} balance. 
If XXXX XXXX can not provide proof of ownership, this account must be deleted. 
Due to multiple violations across Experian, Equifax, and TransUnion, I am requesting the immediate deletion of this XXXX XXXX XXXX XXXX account from my credit reports. The reporting is factually incorrect, inconsistent, and unverifiable, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

If XXXX XXXX can not verify and correct every single inaccuracy, the only legal option is to delete this account immediately. 

I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure XXXX XXXX XXXX XXXX complies with federal law
Product: Debt collection

I received this threatening voicemail Saturday XX/XX/2017 at XXXX from XXXX XXXX who did not state his first name, representing Commenity Bank . I did not delete the voicemail and I also went on to save it as a voice memo to have on file that this is definitely a threat. I have consulted my colleagues who are Attorney 's in addition to a representative of the FTC who did state that Yes! That it is a threat and that that is against the law. I would like this matter resolved by Commenity Bank removing whatever information they have in my name, to never contact me again, and for them to provide validation, competent evidence bearing my signature that I have ( or ever had ) some contractual obligation to them. The threatening message went on to state : Good afternoon, This message is for XXXX XXXX XXXX. XXXX my name is XXXX XXXX calling with Commenity Bank and right now I do need you or your representing attorney to return my call immediately. This is regarding your XXXX sir. It is imperative that you or your attorney contact my office today to go over the options and the programs available to help you get this taken care of and to stop further escalation. I can be reached at XXXX ext. XXXX. XXXX XXXX please be advised that I 've documented this call as proof that you 've been notified of this critical matter yet again, so without your prompt response sir I may be forced to make a decision that will impact you directly. Again my name is XXXX XXXX, I could be reached at XXXX ext. XXXX.
Product: Vehicle loan or lease

On XX/XX/18 my wife XXXX and I entered into a lease agreement with Toyota Financial Services for a new XXXX XXXX for 3 years. At closing, I was asked if we wanted GAP insurance and given a price of approximately {$30.00} per month. I knew the price was high and asked if it was cancellable at any time. Finance Manager XXXX XXXX said that was indeed cancellable at any time. So I agreed to purchase this GAP coverage. 

On XX/XX/18 my wife called the dealership inquiring into cancelling the policy. She was given an XXXX number, called it, and was given a fax number and instructions to hand write ( and sign ) a note asking the policy to be cancelled. Attached is a copy of that letter and fax delivery confirmation. 

Now, Toyota Financial is saying that not only have they not received the request ( this is a minor concern, as I have reiterated the request through a secure message on their website ), but that upon receiving the cancellation notice, we will continue to pay the roughly {$30.00} per month for the GAP coverage for the duration of the lease. This amount will come off of the principal balance of the car at the end of the lease agreement. 

1 ) I lose the time-value and interest on this money, which is of course outright robbery, that these finance managers at Toyota pretend not to even understand this concept. 

2 ) When I asked if the GAP was cancellable, and was told yes, at any time any reasonable person would not assume that this monthly bill would continue on until the end of the lease. At a minimum this is highly deceptive and reckless ; what is very likely is that it's a scheme to steal from people through dishonest practices. At the very least, this arrangement should have been disclosed ( i.e. " yes, its cancellable, but you are locked into this exact payment, and we return the excess payments through reduced principal at the end of lease '', for example ), and if it had been disclosed and I was fully informed of the arrangement, I definitely would not have agreed to purchase the coverage. This lie, this deceit, changed my purchase decision entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Department OF EDXXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I've been struggling with getting any information from XXXX on my loans now for the last 3 1/2 years. I've already filed a complaint with the DOE and they refused to assist. They have added XXXX to my loan balance in the last 3 years. The first was XXXX for XXXX when I submitted my annual certification 3 times, which I have proof, before they finally acknowledged receipt. Then again on XXXX, XXXX was added when I switched the IBR plan I was on at their suggestion. And XXXX, XXXX was added for no apparent reason. My interest rate is only 4.125 %. There is no way any of these numbers are correct. I have never seen an annual capitalized interest statement for my accounts in excess of XXXX to XXXX. At the rate they are adding erroneous amounts, I will never get to a point where I pay any principal. 

My loans are in repayment, no capitalized interest should be added to my balances. I asked repeatedly for an amortization schedule for my loans before I finally got an answer. 
I was told they are unable to provide any accurate amortization via email. I am at my wits end. I have made countless calls and emails and have gotten no where.