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

Originally XX/XX/XXXX I was supposed to co-sign for a car loan, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX deceived me into signing a contract in my name as full owner. Loan Contract started XX/XX/XXXX with Credit Acceptance Corporation, the next day I tried to call into the customer service to rescind the contract and was told yes only if the auto lot would agree. They disagreed even though I had been complaining that the car was already giving trouble, reported as electrical issues, I tried to file it as a lemon. Fast forward the driver which was the real owner of the vehicle who had been making all the payments to credit acceptance through her bank account contacts Credit acceptance about payment arrangements due to loss of employment. Finally one representative called me XXXX asking for a payment I explained although car was signed by me I was not the physical owner XXXX XXXX XXXX XXXX and had no way of making payments. Covid 19 comes in and payments are put on hold due to pandemic, the arrangements that was made with the driver at the time were then rescinded. I reached out to Credit acceptance asking that payment history be emailed or mailed to me ( XXXX XXXX ) and was never received accurate information. 

Never contacted via mail or phone call and then Repossession of vehicle around XX/XX/XXXX took place. after a vehicle is in the possession of a finance company, there are at least two notices required ; The initial notice is a Notice of Resale Date was never sent. Per my Credit acceptance contractGetting the Vehicle Back After Repossession. If We repossess the Vehicle, You have the right to pay to get it back ( redeem ) at any time before We sell, lease, license or otherwise dispose of any or all of the Vehicle in its present condition or following any commercially reasonable preparation or processing. 
XXXX balance reported {$7300.00} to {$7500.00} XXXX balance went from {$11000.00} decreasing to {$6800.00}. 
Under section entitled 9 A ten percent ( 10 % ) penalty per month shall be added to a refund that is not paid or credited within forty-five ( 45 ) days after return of the service contract to the provider. Now credit acceptance is adding late fees and every month reporting inaccurate balances that I owe, without contacting me about the balance that was owed after the resale of the vehicle that was not in a condition to be sold.
Product: Mortgage

On or about XX/XX/22, I received notice that Shellpoint had taken over my mortgage. 
On XX/XX/XXXX, I went to their website and established an account. When I logged in, my site said that my first payment was due on XX/XX/22 I saved that to my computer, as well as made a printed copy. I also took a picture of it on my phone. In XXXX, I again checked, noted that the due date was, indeed, still XX/XX/22 and again, took a picture with my phone. On XX/XX/XXXX, I received a notice that I was two months behind, not having paid XXXX and XXXX! I contacted them and explained that their own website listed my first payment as being due XX/XX/22 and that I was fully prepared to pay it on that date. They said THEY had made a mistake and I was now in arrears two months! I told them that I was XXXX XXXX XXXX and lived on SS and that my kids, who have their own families to care for, normally help me pay this and the money had gone for other essentials. Shellpoint 's answer was essentially, " Tough sh*t, pay up or we'll foreclose! '' I suggested putting these XXXX payments at the end of my mortgage and they would still get their money, since the mistake was totally their fault. HELP! - I see this as senior abuse!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account, sensible auto lending, is a charged off account that is reporting only in one bureau which is really inaccurate. The fact that it is only reported in a single bureau is really bothersome. Please help me get this removed from my report.
Product: Payday loan, title loan, or personal loan

I had an existing loan with One Main Financial and decided to refinance the loan. I went in to the office on XX/XX/2019 to sign the final paperwork and during that time, XXXX ( my loan officer ) mentioned to me that I would have a refund coming to me for the unused portion of my insurance that had been paid on my previous loan and that I would be receiving that in the mail. I did not receive the check in the mail so I called XXXX on XX/XX/XXXX to see if he could call the insurance company. I was worried that maybe it had been lost or stolen. He said he would call me back. He never did so the following Tuesday I called and the manager answered and said XXXX was busy. I explained what had happened and he seemed very aware of the conversation I had with XXXX. He told me things had changed and they were no longer refunding the money. I told him that was not what XXXX had said to me and the papers I had signed did not reflect this. He said he was going to check into this and call me back and never did. On XX/XX/XXXX I sent an email to " One Main Support '' and received a reply the next day which said " Your message has been forwarded to our Executive Office of Customer Care ''. I don't understand why it is so difficult to get an answer from this company. Also, if I am not entitled to this refund why did XXXX tell me I would be receiving it? And I would like them to come up with a document ( with my signature ) saying that I am not entitled to the money. I don't think that is asking too much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland mortgage is paid in full student loans are n collections addresses are incorrect social security numbers wrong numerous credit cards ran
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$630.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report regularly - On XX/XX/2020, my mortgage loan with XXXX is noted on my credit report as payment deferred ; affected by natural or declared disaster. I have never contacted XXXX to advised that I required payment assistance or other noted payment assistance programs that are associated with COVID19 relief. My mortgage is and has been paid as agreed. I contacted XXXX and they said they were unable to assist me because their system shows my account as current.
Product: Credit card

On the last few weeks I been getting calls and e-mails from us bank regarding a loan application and XX/XX/XXXX received a visa credit card from USBank and I never applied to. Some correspondence is under my middle name XXXX XXXX and other under XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I've recieved a letter on a debt that was deleted from my credit file awhile ago after disputing with the credit bureaus. Then the account was sold to a collection agency XXXX XXXX XXXX XXXX back in XXXX. I disputed and was removed from their systems and given back to XXXX. I filed a complaint back in XXXX. Now this new company is doing the same thing. They are trying to re-age the account. This dates back to XXXX. Now I've submitted proof to show it was deleted from the credit bureaus. When I disputed with XXXX XXXX. So I will do the same with this company. Also since they have not provided me with anything other than a letter to collect I want the following mailed to me in it's entirety : Debt proof : Assignment clause Notarized letter of debt purchase Signed contract from original creditor A copy of their license to collect in the state of NJ
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my dispute letter to the CRA dated XX/XX/XXXX. Inaccurate Items disputed XXXX XXXX XXXX, XXXX XXXX XXXX. Dispute reason : remove this account because the date of status or DOS didn't update, this irrefutable proof that no investigation was done. 

However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. 

It is to be noted that prior to my dispute with the CRA, inaccurate item XXXX XXXX XXXX date of status or XXXX was ( XX/XX/XXXX ) and inaccurate item XXXX XXXX XXXX date of status or XXXX was ( XX/XX/XXXX ) After what is known as an investigation that was conducted and completed by the CRA, my dispute results from that investigation shows the DOS didn't change/update.
Product: Vehicle loan or lease

We had problems with the vehicle I leased from  Kia Finance  from the very beginning. There were check engine lights that would periodically come on. I took the vehicle to my Kia dealership   XXXX  Kia  in  XXXX , MI on  XXXX   XXXX , because I was concerned by these lights and I was told by them that they could not detect an issue. I suggested changing the oil and doing a more thorough inspection but they advised that it was not necessary. Eventually the vehicle died and I was told it was because the oil was never changed. I was disturbed by this because the vehicle had been to an authorized  Kia Service Center  multiple times and even when I suggested an oil change was told by these supposed expert professionals that they could not detect any issues and told an oil change was n't necessary, multiple times when the vehicle was brought in. We had the vehicle towed to the  XXXX   Kia  dealership and was informed that they would contact us to see what they could do. Months went by without us receiving any word from them, until I received a bill in the mail recently for {$9800.00}. This included {$8900.00} in unpaid lease payments, {$400.00} disposition fee, and {$530.00} in official fees and taxes. The bill also indicates that the {$9800.00} payment is due within 15 days of the notice. This is totally unreasonable. When I contacted  K  ia Finance  they advised that they could not even discuss payment arrangements until the account went to Collections. I do not think this is right that I am being asked to pay for a vehicle that was ruined though I did my due diligence and took it into a  Kia service shop multi ple times to voice my concerns with the warning lights that would come on from time to time and even recommended an oil change, which ultimately ended up being the reason why we were told that the engine died. It is also completely unfair that my credit will be ruined by this unjust bill of {$9800.00} that is due in a ridiculous amount of time, 15 days. I do n't think that anything should be owed on the vehicle and want this to be immediately removed from my credit report.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate 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: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Bank of America , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX, XXXX. 
Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Loan No. : XXXX. 

I have submitted a Request for Modification Application to to Bank of America 25 times in XXXX of XXXX i finally received a trail modification. 
I made all payments required and signed and sent in a final modification agreement, the bank claims they never received it and denied my modification. 
i then resubmitted many modification application in an attempt to have the bank provide me another modification. 

I have submitted the required documents to the banks office and confirmed a complete package is received, I also have a pending foreclosure sale date and the bank have not acted to suspend the foreclosure and cancel or postpone my sale date. They are duel tracking my loan, the same exact actions they were sued by the government which you have agreed to a settlement in lieu of a judgment commonly known as The National Settlement Program. 
The bank agreeing to the consent order is very clear of your actions then and still now. 
The bank also provided me notices that my loan was part of this Settlement. 
On XXXX XXXX, XXXX, I sent to the bank 's office a letter accepting the trail modification with a principal reduction under the terms of the national settlement agreement, and I made more than 9 trail monthly payments and sent in the signed final modification agreement to your offices. The bank claimed you never received such agreement and denied my application. 
I have submitted more than 5 more applications, all of which have been denied and ALL NEVER REVIEWED FOR THE NATIONAL SETTLEMENT PROGRAM. 
I am demanding action from your office to overlook the review of my loss mitigation file to ensure the reviewer is reviewing for the National Settlement Program. I also demanding a letter from your office indication clearly why I am not being reviewed for the National Settlement Program. 

You are required by Office of Mortgage Settlement Oversight and Office of the Comptroller of the Currency, are required by law to continue with a review under the National Settlement Program, even if you do not offer any government programs. Your denial did not include the under the National Settlement Program. 

At the time you must inform the bank as NOT to move forward to request a new sale date, a clear violation of the Real Estate Settlement Procedures Act, XXXX XXXX. XXXX. 
I AM DEMANDING A VERIFICATION THAT YOU WILL BE enforcing the bank to be REVIEWING MY LOAN UNDER THE NATIONAL SETTLEMENT PROGRAM. 

thank you please contact me by mail at the address above.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/Barclays Bank XXXX XXXX XXXX XXXX, DE XXXX Dear XXXX XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount Charged Off : {$45000.00} I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly.

Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 

Thank you for your attention to this matter. I look forward to your prompt response. 



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

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX v. Experian Information Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

Dear Sir/Madam, I am writing to you regarding a debt that you are attempting to collect from me in relation to a camera ticket. I am requesting that you provide me with validation of this debt to confirm that it belongs to me. 
According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of a debt. I believe that I have the right to receive this validation before any further collection activity is taken against me. 
Please provide me with the following documents to validate the debt : 1. A copy of the original citation or notice of violation that shows the date, time, and location of the alleged violation ; 2. A detailed breakdown of the charges and fees associated with the ticket, including any interest or penalty charges ; 3. Proof that you are authorized to collect this debt on behalf of the issuing agency or municipality ; 4. Any photographs or other evidence that support your claim that I owe this debt ; and 5. Any other documents or information that you believe support your claim that I owe this debt.

Please note that I am not acknowledging that I owe this debt or making any payments at this time. I am simply requesting that you provide me with the necessary information to verify that this debt belongs to me.

I request that you respond to this request within 30 days from the date of receipt of this letter. If you are unable to provide the requested information, please provide me with a detailed explanation as to why you are unable to do so.

Thank you for your cooperation in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report shows a XXXXXXXX XXXX XXXX with XXXX XXXX I have never signed up for an XXXX XXXX credit card with XXXX and when I reached out to credit Bearu nothing was done it must be removed from my credit asap 15US code 1692c 15US code 1692g 15 US code 1681 ( e ) b hi
Product: Mortgage

I have been off work sick for over 2 years and we got local provider to help us out and they have almost XXXX dollars to give to catch us up on our mortgage. We have had the money sitting since XX/XX/XXXX, our account would have been current since then if anyone were able to do their job correctly! 
we and the person with the money has tried to no avail to get someone to send a XXXX to them so they can release the money no one seems to know how to do their job and all I 'm doing is being put on hold and switched around from person to person. 
no matter which XXXX XXXX or XXXX number they give me it directs me back to my loan specialist who is out of town on vacation for a week and when the week is up so are the funds that were given because no one knows what is going on at wells fargo and we can not get ahold of anyone at america 's servicing company.
Product: Debt collection

The name of the company is CACI this started around XXXX XXXX. I have received multiple phone calls requesting they speak with me but will not give me any information about the company or what they want to talk about they state it is personal only. I have researched this company they state it is stated they are a debt collector. I owe nothing to anyone that I know of I have requested that they send a message which they have texted a message to have me call no identification or anything else they want me to give Multiple information my name my address, my phone number, etc. which I refuse to give. I am very concerned that this is a scam and since I have had no written information about anything that I owe from anyone, I do not believe that this supposed debt is real please help me
Product: Mortgage

XXXX from Premier Mortgage called twice today, within 20 minutes. Each time he identified himself as 'calling from the VA Department '. Each time I asked to be removed from their call lists, informed them I was on the FTC Do Not Call Registry, and that there are existing/past CFPB complaints against their company. XXXX said there was nothing he could do to stop calling and that in order to help me, I had to answer two questions because I am a veteran.