23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Westlake Financial received the final payment on my car loan and told me that out of the XXXX in additional fees that I owed theyd agree to wave $ XXXXThey said that I had until the first of the next month to bring the balance to XXXX  and receive my title ; however, failed to mention that they were adding interest into the fees owed if that is even possible. I called in to pay my fees and arrange for my title to be sent. I spoke with customer service representative XXXX. He alerted me that Id need to pay an additional XXXX in fees in order to get my car title bringing the balance up to {$180.00}. I informed him that this was predatory and that I didnt have extra money to give them as I am not currently working and I gave all I had. They are still adding on extra fees daily and refusing for me to pay the original balance of {$60.00} after the XXXX they agreed to wave without paying the excess amount that they tacked on the last past 18 days.
Product: Credit reporting

I have XXXX accounts that have been closed from signal XXXX XXXX XXXX XXXX that are over 10 years old. At this point these accounts needs to be deleted from my credit profile but the credit reporting agency have refused to remove them.
Product: Debt collection

Credit Collection services are trying to collect an debt from me that I never verified as my debt. I never established a contract with this company and I don't owe this company any money. They are in violation of my rights and the FCRA.
Product: Debt collection

i have repeatedly told these guys I have no intention of paying this timed barred debt yet they continue to contact me on a regular basis saying they know this debt is beyond the statute of limitations for collection but they still would like to make a payment arrangement with me, each time a different person calls claiming to have no knowledge of prior contacts. Each time they say they are the last step person before a lawsuit decision is made
Product: Mortgage

I got a modification in XXXXthey put pmi insurance on my loan.my condo has risen in value a XXXX since.i wanted remove pmi.i did not realize a pmi appraisal an a get a loan appraisal is much lower.i said would do a appraisal they charged me XXXX dollars.it came in at XXXX lower than market an XXXX short of removing pmi.i did complaint my mortgage but it was useless. I waited an time passed an there was no doubt my condo was worth way over the money needed.i agreed to another appraisal.again charged XXXXmy units with my views were selling in a day for a XXXX more 5 under contract.the appraiser was told that.she fraudently came in XXXX short.she used a 5th floor condo that sold in a day for the XXXX it over looks the parking lot.my unit overlooks the gulf an intercontinental an blocks from beach.she knew of contracts pending on comparable units for up to XXXX more.yet she gave me appraisal for XXXX XXXX less than the parking lot condo.now even low floors sell for XXXX more.i complained to my mortgage company an thier pmi department.they said I would have pay for another appraisal.XXXX  for XXXX more needed.they even said if it been a refi appraisal been much higher. They said they would contact XXXX XXXX see if anything be done.answer no without apprasisal.meantime they were offering me equity lines.i pointed out how can you offer me equity lines when appraisal shows negative equity.they said well you definitely have alot of equity.i said then remove pmi payment.sorry we can't without a appraisal.i contacted XXXX XXXX an they said the same.i applied for mortgage refinance an helocs with my company an others.all approved with cash out or large equity line.XXXX  XXXX was the lender with each who approved.again I fought with my company remove pmi.got nowhere though they agree it was wrong.i decided not to refinance or do a heloc.i did not need it I decided.my interest rate was good an cost to do refinance to much.so here I was same mortgage paying pmi an being held up for another appraisal for XXXX.i told them the last appraisal was fraud an they needed to reappraise.they were shown the sales an kept sending me offers to cash in on all my equity.its fraud I just want now my last appraisal be refunded.however settle for pmi being removed.i should get a refund for all the pmi charges since last appraisal also.Again settle for it being removed pmi.i have proof of all I'm saying thanku
Product: Debt collection

Optimum Outcomes called me on XXXX/XXXX/XXXX for the second time about the same visit. The first call was on XXXX/XXXX/XXXX for a hospital visit on XXXX/XXXX/XXXX that I did not receive a bill for. I paid that balance of {$94.00}. I received a call today saying that I owed {$21.00} for the same visit. I had received no written communication about this debt until today when I asked for it via email. 

I initially tried to dispute it but was told I could not. They said that the bill was entered into collections is XXXX XXXX and that the bill was reported to the credit bureaus in XXXX XXXX. I could not see this on any of my credit reports provided by annualcreditreport.com I called again to ask for this information in a written format, and they said that they would provide it. The new customer service representative told me that I could dispute it, but that it could n't be removed from my credit report unless it was paid and the creditor agreed to it. She then said that it was normal for it to not show up on my credit report because it was a basic report and that the information they reported could only be seen if you pulled a major credit report such as for an auto loan or for a mortgage. She agreed to put it in dispute for notification and then told me that if I agreed to pay, they would be able to remove it from my credit report within 30-45 days, and that they could send me a letter to dispute with the credit bureaus to speed up this process since I was meeting with a mortgage broker within a week. 

I relented because {$22.00} was n't worth it to me to cost me a potential mortgage, and I then paid, even though I still am unsure why the debt was not paid in XXXX XXXX when they told me I had paid in full for the visit. I received my letter from them asking the credit bureaus to delete the negative information, but the credit bureau dispute forms do not allow me to do so because it is not listed as any information to dispute. This leaves me under the impression that I was given false information concerning my credit report in order to get me to pay a debt that I wish to dispute and that I was not informed about until today. 

I spoke with representatives of TransUnion who told me that the information provided me online was accurate and that there were no collections on my credit report and that everything I was seeing online was the what a lender would see. This confirms for me that this was never actually reported to the credit bureaus and was just a tactic being used to get me to settle a small debt quickly that I do not think I actually owed.
Product: Checking or savings account

On XX/XX/XXXX I had to file a dispute with Chase against a merchant who ran my card for almost XXXX. After I tried to contact the merchant repeatedly, I had to file with Chase due to no help from the merchant. Chase decided on XX/XX/XXXX to close my account. On XXXX 2 direct deposits went into the account. They released a small portion of my payroll funds, but have almost {$1000.00} still being witheld. I spoke with 2 department managers, recorded the calls and I was told I'd be able to go into the branch on XX/XX/XXXX to get the rest of the funds. I spent 3.5 hrs there and despite having recorded calls and the banker speaking with the department who put the restriction, they are still illegally with holding the funds. They cost me my job over this as I had to run to the branch on XX/XX/XXXX to see what was going on. They also lied to me for 3 days in a row when I asked if they were closing my account. They have yet to give me 1 valid reason that gives them the legal right to withhold the funds and it is killing me financially as well as the other person 's money they are illegally withholding. The other person isn't on the account and they have 0 legal rights to withhold their money either. I have many call recordings where I was told I can get the funds and I'm still being lied to and given the run around. Initially they stated they couldn't release due to the claim filed on XX/XX/XXXX but, they closed the claim. So the lies keep piling and I have tons of evidence from Chase that I am supposed to be able to get the funds.
Product: Mortgage

I was denied my loan modification because I was told the proper documentation was not supplied before the end date. However, I have proof that I did submit the information for my loan modification on time and was sent an email confirmation from quicken loans stating that it was received on time by them. I also can show through recorded calls that they spoke to my twice the day it was due for clarification on what the documents each were for and both calls were recorded and ended with them stating they need nothing further. Yet I was foreclosed on and caused in due stress by a mortgage lender who had given almost no help or advice and clearly had no intentions to ever. Correct this or work with me, even though I quailed because I went on short term XXXX twice last year and have my income cut in half.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3  accord and XXXX Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Checking or savings account

I called my bank, JP Morgan Chase, asking why my checking and savings account were restricted considering that was all the money I own, all the money to my name. They said it was due to a recent fraudulent check that had returned. I tried to explain I was scammed the XXXX of XXXX. Ive endured hours on the phone with customer service to let them know in advance before the check cleared. I even have a police report to prove it. I asked if I could enroll in a payment plan to pay off the owed debtthe representative said only after the accounts were closed and when the balance was in collections I could do that. They refuse to give my back MY SAVINGS, and combined my money with the aforementioned owed funds on XXXX of my XXXX accounts. Thats bull, I wouldve liked to save my account if I couldve.
Product: Credit reporting, credit repair services, or other personal consumer reports

The particular accounts position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sue to present facts that these are being reported efficiently as per the Fair credit Reporting Act regulations. I have done attempts to reach out the Experian, XXXX and XXXX Credit Bureaus but the failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. INACCURATE ADDRESES : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, ACCOUNTS : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00}XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00}, XXXXXXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$4100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$460.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00}, XXXX XXXX Date Opened : XXXX Balance Owed : {$1800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00},
Product: Debt collection

Debt collector called trying to collect a 7 yr old debt ... refused to send me a verification of debt letter so that I can prove they are a legit company ... would not give me the company name or address which I found through research ... threatening to sue me and freeze my bank account and put lien on my truck, taxes and garnish wages ... all I asked was a lettier proving the debt and she refused and informed me Im going to be sued ... I offered to pay the debt in monthly payments but I need verification of the legitimacy of this company which they are unwilling to provide ... I should be entitled to a document to look over to prove this ... if legit Im willing to pay my debt as I should..I have rights through the Federal Fair debt collecting practice Act and they have violated my rights..first off by not sending me a verification of debt notice that would give me that chance to prove the authenticity of this company and debt ... I do not feel comfortable giving them a payment over the phone when they wont send me anything to verify who they are ... Im trying to protect myself from possible scam and I feel I have the right without being threatened if I dont pay today
Product: Debt collection

I am writing to formally request validation of the alleged debt referenced in your recent communication dated [ insert date of the letter you received ]. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request a validation of the debt you claim I owe.

Please provide me with the following information : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. A copy of the original contract or agreement under which the debt arose.

4. Any records that provide evidence of my obligation to pay this debt.

Until I receive this information, I request that you cease all collection activities related to this account, as per 15 U.S.C. 1692c. 

Please respond to this request within 30 days. Failure to provide the requested validation will require you to cease collection efforts and remove any related negative information from my credit report. 

Thank you for your cooperation.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I booked a XXXX flight from XXXX to Hawaii. While in the process of paying for my flight, a box appeared on the screen to apply for the American ExpressXXXX XXXX XXXX XXXX " XXXX '' XXXX credit card. It stated that I would get a {$200.00} statement credit if I applied for and paid with my card. I applied for the card and paid for my flight with my new XXXX credit card. After approximately two months, I did not receive my {$200.00} statement credit. I called XXXX and the person that I spoke to advised me that it would probably take about 90 days for the credit to appear. After 90 days passed, I still did not receive my credit and called XXXX again. They opened an " investigation '' and advised me to follow up on 2 weeks. Approximately 2 weeks after that, on XXXX XXXX, XXXX, I followed up and demanded to speak to a supervisor because my {$200.00} statement credit had still not been applied to my account. A supervisor named XXXX advised me that I would have my credit on the XXXX. Today is the XXXX ( XXXX XXXX XXXX XXXX and there is still no {$200.00} credit on my account. It is now approximately 140 days since I was approved for this card, booked and paid for my trip. I have still not received {$200.00} statement credit. I have no alternative but to conclude that this is a fraudulent offer.
Product: Student loan

We set up payment for interest payment only for one loan and paid over every month. The extra money paid to the loan was not applied to the principal, it was applied to the monthly payment. We also called to get the two loans consolidated so that the payment would be lower. They said that we could not do that. I also asked about reducing the payments and they also said that they could not do that either.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX has forgiven my federal XXXX  loans with XXXX in XXXX, effective XX/XX/2023. I received confirmation in a letter from XXXX, dated XX/XX/2023. As of XX/XX/2023, the total loan balance of {$110000.00} still shows as outstanding/ still being owed on all three ( 3 ) credit reports. I have filed credit report disputes with the three ( 3 ) credit bureaus : XXXX, XXXX and TransUnion which are being investigated at present.
Product: Debt collection

To : XXXX Wed, XX/XX/2023 at XXXXXXXX XXXX RE : Account # XXXX DEBT VALIDATION LETTER To whom it may concern, This letter is being sent to you in response to a listing on my Credit Report.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX
Product: Student loan

MOHELA is sending me a bill for {$240.00} when my loan was approved for the SAVE PLAN in XX/XX/2023. 
I have requested multiple times for MOHELA to fix this. I continue to get a verbal response that a request was submitted to resolve the issue-91 days to resolve as I was told. 
However, Im getting bill notifications and delinquent status on my MOHELA account. 
I have requested for MOHELA not to report this to the credit bureaus due to 91 days to remove an issue will lead to Credit Reporting. 

Please see attached SAVE Approval letter and MOHELA Billing statement.
Product: Payday loan, title loan, or personal loan

I have made many attempts to contact this company with no resolution. I get transferred to various depts, however no one is able to assist. I have tried to explain to the company that when a consumer utilizes the online option to request a payday loan, the system automatically thinks you are asking for not only a payday loan, but also an installment loan and there is a hard inquiry done on your credit report. When I tried letting them know I did not ask for an installment loan they continue to tell me I did request one, when in fact I had not. I have tested this numerous times and it continues to occur. My credit has 2 hard inquiries from this company which I did not consent to. One was done on XX/XX/XXXX and the other one XX/XX/XXXX. I have filed complaints and to no avail. They insist I applied for an installment loan and a pay day loan which is incorrect.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash APP failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer ACT ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.