23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted my re-certification for Income Based Repayment plan to FedLoan within the deadline window in XXXX. In XX/XX/XXXX I was direct debited for my standard repayment plan ( without adjustments for income based ) which was {$280.00} higher than it should have been with my income based plan XXXX a total of {$550.00} XXXX. I called to ask why this happened and was told it was because I submitted the documentation too late. I was nearing the deadline, but submitted all the paperwork prior to the deadline and was approved for a new amount and sent confirmation of this before the payment direct debited in XX/XX/XXXX. I was told to call my bank to deny the full amount of direct debit and get my money back. I did this, but then my non payment was marked delinquent. I was told it would take 45 days to resolve this through a payment override request at which time they would bill for for the correct amount XXXX {$270.00} XXXX and the extra {$280.00} would be cleared and not marked as a payment due. 

I waited the full 45 days and when I hadnt heard anything, I called. I had to re-explain my story to every person I talked to and kept being told it would be processed eventually. Finally, at the 90 day mark, I spoke with someone who told me it could be expedited. He did this and it was processed in another week. I was called and told to submit the payment of {$270.00} and an employment certification form for PSLF. I did both and not only were my payments for XXXX not counted towards the PSLF, but the {$280.00} did not get cleared from my account. Since I was marked as delinquent in XXXX, they keep applying every new payment to the oldest amount due, which is causing every payment Ive made since then to be marked as delinquent. I called and asked about this and was told they had to review the delinquency and that the override request I had submitted in XXXX was never intentioned to clear the {$280.00}. They could give me no timeline as to when this would be reviewed or resolved. It has now been 4 months of dealing with this. Every time I call, I speak to someone different and have to re-explain and they refuse to give me a caseworker to help resolve this situation. 

I also have a letter from XX/XX/XXXX asking me to re-certify my income based plan, which states that if I dont, the payment will increase in XX/XX/XXXX ( which doesnt make sense as to why my payment increased in XX/XX/XXXX )
Product: Mortgage

This complaint is in regards to the Wells Fargo Settlement. I have not been contacted by them regarding this, but I believe that I am one of the customers affected and is due a payment. I did call the Customer Service number ( XXXX ) XXXX today at XXXX. to inquire. I was told that if I am eligible they would contact me. The agent said that there was no way for him to check on it, using my personal information. He did agree to take my phone number in case of follow up. In that regard, I am requesting that a complaint be lodged in order to determine if I am indeed eligible for compensation. The reason why I believe that I am affected by his settlement is : I purchased my home in XX/XX/XXXX. The Mortgager was Wells Fargo. On or around XXXX, I started to have difficulty and fell behind in mortgage payments. I attempted, several times, to obtain a loan modification, without success. I was repeatedly denied attempts to re-work my mortgage. In early XXXX I submitted a payment for all the arrears ( {$3000.00} ). Those funds were returned to me ( not sure why ). I then started receiving notices from an attorney XXXX XXXX, I believe was the name of the law firm ). My only recourse was to file XXXX  XXXX and include the house in it, in order to stop the sale. In XX/XX/XXXX, my loan was released to another mortgage company. I have not heard from Wells Fargo since.
Product: Debt collection

( AD ASTRA REC ) Third Party Debt Collector, who appears to be fraudulently claiming authority of this Executor Office to administrate for the { XXXX XXXX }. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and ( AD ASTRA REC ) is authorized to administrate ( acting trustee ) on the { XXXX XXXX }, together with a certified copies of signatures contract between you and consumer name, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing consumer name private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the { XXXX XXXX }. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 
If you lack understanding of this complaint, forward to your ATTORNEY
Product: Vehicle loan or lease

The contract was originally owned by USAuto who was forced to close all dealerships due to illegal transaction. As a result of this we decided to return the car but Westlake then began contacting us for payment. Westlake was informed that we did not wish to continue in a unlawful contract and was told to recover the car. Westlake recovered the car approximately around XXXX or XXXX. They sent a letter stating that the car would be auctioned and to contact them for location/date/time and stated we would be notified of deficiency. Westlake sold the car in or about XXXX and did not send defocoency information but when I called they say the amount was chared off for $ @ XXXX, XXXX approxiamately. However they never gave me deficiency for the sale of the vehicle and continue to report to my credit burearu that I owe the full amount when te record shows the car sold at auction for fair less than the price Westlake was seereking from us. As a matter of fact we were being charged the original MSRP of the car when it was brand new in XXXX. Not only is Westlake making false reports to the credit burearu they along with USAuto was taking advantage of customers by selling vehicles that were far over the ir value
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : 1. Unauthorized Debt Acquisition : XXXX XXXX XXXX acquired a debt from the original creditor, Synchrony Bank, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 
2. Failure to Provide Verification of Debt : On XX/XX/2023, I sent a written request to XXXX XXXX XXXX, requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 
3. Ignoring Cease and Desist Instruction : In my previous correspondence with XXXX XXXX XXXX, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, disregarding my rights under the FDCPA. 
These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of XXXX XXXX XXXX to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA. 
2. Cease Collection Efforts : I demand that XXXX XXXX XXXX immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA. 
3. Remedial Measures : I urge the CFPB to take appropriate measures to ensure that XXXX XXXX XXXX rectifies its violations, including but not limited to imposing penalties and sanctions as permitted by the FDCPA. 

Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.
Product: Student loan

Mohela is my loan servicer. They have an alert on my account to recertify my income for my income-based repayment plan. Mohela is requesting that I recertify by XX/XX/XXXX. The federal guidelines from the Federal Student Aid website are : " If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by XXXX year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' I have sent two messages to Mohela about this issue, one message on XX/XX/XXXX and another on XX/XX/XXXX. I have no received a response to either message and the recertification date is still wrong on my account. 

Recertifying my income early will have a massive impact on my tax filing status for XXXX taxes. This needs an immediate resolution and Mohela is not following federal guidelines. I have tried contacting them via phone but the hold times are often 3+ hours, which is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I applied on Amazon 's website for the Visa Signature Rewards Card issued by Chase. The website said the application was unable to go through ( I do not remember the exact reason it said ). I was going to try and apply again on the website but I looked at my credit report from XXXX on XXXX XXXX and saw that I had a hard inquiry from Chase. I then have been going back and forth calling Amazon and Chase to figure out the problem. Amazon says that they have no application processed from me, even though the website shows that I applied, and Chase says they never received an application from me. I know the information was entered correctly because it is showing on my credit report. Long story short, Amazon directed me to Chase, who then directed me to XXXX, who then directed me to FTC.gov, which then directed me to y'all. I would like to either have the application fully processed if possible, or at the very least have the hard inquiry taken off since the application was never processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted in writing to all three credit bureaus requesting information on several accounts. Under the Fair Credit Reporting Act ( FCRA ), I formally requested to be sent any initial paperwork that I signed that legally they must provide to me within 30 days. 

Nothing was done other than to say your accounts were verified. No documentation was provided as legally required proving these accounts were accurate. 

I am hoping your organization can provide the legal help it was established to do, which is to help American consumers when we are following the letter of the laws under FCRA. 

Thank you in advance for your help. 

XXXX XXXX
Product: Debt collection

I got served by Javitch Block LLC on XXXX, XXXX, 2021 for something that doesn't even appear on my credit report. They are saying I can make payments on it monthly or pay a lump sum. I have no way to see how much I owe or anything, I only have what they are verbally telling me and I don't feel comfortable with it. I feel like I am being treated very poorly. I have tried to work with them but they are not willing to negotiate at all and the payments they want are too high for me to afford. Like I said before, it doesn't even appear on my credit report so I am not even sure if I owe it.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and an unauthorized account has appeared on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent account from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to pursuant to FCRA 605B ( 15USC 1681c-2 ) that you the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at : XXXX  account opened on XX/XX/XXXX and it has a balance of {$40.00} Account # XXXX XXXX  account opened on XX/XX/XXXX and it has a balance of {$24.00} Account # XXXX In collections I have two accounts that are a result of Identity Theft. From the following : XXXX XXXX XXXX with account number XXXX {$1900.00} XXXX XXXX XXXX with account number XXXX {$1800.00} These 2 collection accounts state they are the result of fraudulent XXXX XXXX  XXXX  that have been removed from my credit report due to identity theft. These must be removed pursuant to FCRA 605B ( 15USC 1681c-2 ) and these accounts have been placed in collections and are showing on my credit report as closed.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and closed accounts appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, closed accounts and hard inquiries as reported. The accounts, collections, closed accounts and hard inquiries appearing on my credit report were NOT opened, made or initiated by me. All of these accounts, collections, closed accounts and hard inquiries are a result of identity theft and fraud, I have attached a copy of the FTC Identity Theft Criminal Complaint number ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I opened the account with my business corporate filings and personal information while adding backup XXXX  XXXX XXXX account that was also verified. I sold one of my personal items on a different site and used PayPal as a form of payment. Everything went smooth until I tried to make a transfer to use my card on the account and PayPal actually blocked me from using my account and the put the account on hold without asking to verify the business again when it was already done. Then PayPal asked for a receipt for the item I sold on marketplace when it was a personal item and that isn't required to expose your manufacturer.
Product: Checking or savings account

In XXXX, I had opened an item not as described dispute for about $ XXXX with Chase Bank for XXXX XXXX that I received a broken XXXX, instead of the XXXX working XXXX I had ordered. I had already returned these items prior to the dispute so I had been asked to provide return tracking number which I did. 

It is now XXXX. I hadn't received any additional correspondence asking for any additional information regarding the dispute, and randomly I got a debt letter asking for the amount that I had opened the dispute for out of nowhere. I paid the debt and had asked why this debt was in my name. It was because I lost the dispute WITHOUT ANY NOTICE WHATSOEVER. I contacted Chase, paid the debt and asked to reassert this claim because it was wrongly declined. 

They refused to reassert the claim. I couldn't believe it. I just lost $ XXXX from a bank that did not want to help me regarding this dispute. I asked for the reasons why it was denied. It was due to no evidence of correspondence from the seller asking me to return the item ( which I had!!! But was never asked for!! ) and because the seller said they didn't receive the return ( which the SELLER DID CONFIRM! AND I HAVE A RECEIPT FROM THE POST OFFICE SHOWING THAT TOO! THATS WHY I OPENED THIS DISPUTE! ) so I was asked to fax evidence of those things. I sent a police report, pictures of my item, the return tracking, return receipt, a notarized post office letter saying it was delivered to the business 's address, and all the correspondence in between of them saying they received it. 

And now nobody wants to help me. I'm getting disrespected over the phone, hung up on, called names, because I trusted Chase to get my money back for me for an open and close dispute. They have my money. And they have my items now too. I filed reports that are illegal to lie on. Why don't I get a refund? Or at least something? Not get a debt collector notice in the mail out of nowhere.
Product: Mortgage

PHH Mortgage is imposing force-placed insurance when we already have adequate coverage on our property. PHH sent letters dated XX/XX/XXXX and XX/XX/XXXX, both of which falsely claim that there was a lapse in insurance coverage on our home from XXXX. 

XXXX XX/XX/XXXX or early XX/XX/XXXX, XXXX sent our policy renewal to XXXX XXXX XXXX XXXX our previous loan servicer. XXXX did not pay the renewal from escrow as expected, so we directly paid our XXXX policy for the period XXXX. Our loan was transferred to PHH on XX/XX/XXXX. We provided PHH with the declaration pages for our XXXX policy. In a follow-up phone call to PHH, an agent communicated that the policy was unacceptable because of an error in the property description. 

XXXX corrected the error in the property description. In doing so, they cancelled the existing policy with an effective end date of XX/XX/XXXX. XXXX then issued a new policy for XXXX. PHH paid for the new policy from our escrow account. 

*PHH sent a letter dated XX/XX/XXXX, claiming that there was a lapse in coverage from XXXX and would charge us {$190.00} to cover the lapse. In a follow-up call to PHH, the agent said that they did not have proof of insurance for the time period in question ; we pointed out that we had provided the declaration pages for the policy ; PHH said that the declaration pages were not acceptable. 

*On XX/XX/XXXX, we provided a letter of experience from XXXX XXXX which states that our home was insured for the time period in question. In a follow-up call with an agent, PHH stated that this letter was unacceptable. 

*We provided PHH with contact information for XXXX insurance on 2 occasions, most recently on XX/XX/XXXX. PHH did not contact XXXX. 

XXXXPHH sent a letter dated XX/XX/XXXX stating that they would proceed with charging us {$190.00} to cover the time period in question. 

*Over several calls to PHH XXXX most recently on XX/XX/XXXX with agent XXXX, PHH stated that it never received the declaration pages for the policy covering XXXX. I again sent the declaration pages on XX/XX/XXXX.
Product: Credit card

I have contacted Santander 2 times in XXXX and finally received a resolution to only have the same issue happen again in XXXX. I have gone into my local branch and they were unable to help me. I reached out via telephone on 4 occasions. They sent me an email with no explanation and no time frame as to when the situation will be resolved. The consumer service is unhelpful and very lacking in any type of resolution. This is the reference number XXXX. There is plenty of money in my account to cover my bill and it is ridiculous that they are unwilling to accept my payment. I was told on numerous occasions that it will take 30 days for them to unfreeze my account. That is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

On or around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX responded to CFPB complaints XXXX and XXXX, claiming the account/tradeline with XXXX was being reported with factual accuracy, and alleged " the credit reporting agencies have their own policy for reporting the information that is displayed. '' She made clear that XXXX would neither acknowledge nor respond to any future CFPB complaints without additional documentation. It is all but clear the acc/tradeline is NOT being reported with maximum possible accuracy. For example, XXXX reports the date of first delinquency in XX/XX/XXXX, which is a month in which the account was paid as agreed. Likewise, Experian reports a charge-off beginning in XX/XX/XXXX after a ninety ( 90 ) day delinquency. The heart of the issue appears to be a date of first delinquency with each. And, while Experian and XXXX may be responsible for the data they report, the fact is XXXX  itself has verified the account information reported by Experian and XXXX as accurate since the beginning of XX/XX/XXXX, even when a cursory review of the information reported for the acct/tradeline, and verified as " factually accurate, '' by XXXX itself, would lead any reasonable individual to conclude the information is false/misleading/inaccurate and does not meet the maximum possible accuracy required by 15 U.S. Code 1681e. In fact, Experian not only verified the information it was reporting as accurate with XXXX, but additionally requested, and allegedly, updated the information such that the information reported by Experian is the factually accurate data XXXX alleges it's furnishing to Experian. At this point it does not appear XXXX and Experian are able to reconcile the account/tradeline and as such the payment history, payment status, and narratives for the account need to be removed.
Product: Credit reporting or other personal consumer reports

It was supposed to give me a advance and it said I was excepted for XXXX and they took XXXX for the fee but I never received the XXXX, and on top of that they said I was using XXXX dollars out of my XXXX credit limit and I wasn't or never knew how much credit I was able to use, so I closed the account and it's still showing up on my credit so when I try to log in of course it's saying my account is deactivated
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to investigate and remove 2 fraudulent/unauthorized inquiries from my consumer credit report that I was unaware of, were not created by me and were unauthorized.