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

I am writing to follow up on my initial complaint filed on XXXX regarding ongoing issues with Consumer Portfolio Services , Inc. ( CPS  ). Unfortunately, CPSs response dated XXXX did not adequately address my concerns, and I believe their actions continue to raise serious issues regarding consumer protection laws.

Despite my previous complaint and subsequent correspondence, CPS has failed to provide satisfactory responses regarding several critical discrepancies with my account : 1. Maturity Date and Payment History : There are discrepancies concerning the maturity date of my loan, which was originally stated as 72 months ( including approximately 5 monthly extensions ). CPS has since extended the maturity date to 132 months, attributing this to the Simple Interest nature of the contract. However, this extension of an additional 60 months lacks transparency and appears to be predatory. The additional extension of 60 months was not disclosed.

2. Amount Owed vs. Settled : CPS has not provided clear information on the total amount collected during the life of the loan, despite my specific request for transparency in this regard. Per the attached payment history CPS has it recorded as my next payment due date is XXXX XXXX. Resolution Requests : My initial request to CPS remains unaddressed, specifically : Immediate settlement of the account in full. The Lien Release has not yet been received. 
Removal of all negative entries from my credit reports with all three major credit bureaus. This is still being reported on my credit reports as closed and settled for less than owed.
Product: Student loan

I have a repayment plan already have an income driven payment that has been set up through KHESLC, they withdraw XXXX from my checking account a month and put it in account number XXXX and this goes on everything month and has since XXXX of XXXX this letter I just received XX/XX/XXXX so I shouldn't be in default XXXX XXXX
Product: Debt collection

XX/XX/XXXX XXXX 
I am the primary borrower of an auto loan for the amt XXXX was in an accident and it was a no fault. The gap insurance has never had any contact with me..the primary borrower..no email..no mail..no phone calls..I find out because they sent a refund check to my house..in my name... for gap refund..no explanation or reason..this check was NOT cashed. I have never even heard a reason for this discrepancy and only recieved a bill..my insurance company paid XXXX within 1 month the only obligation for the gap policy is XXXX.which I thought was taken care of months ago because of zero communication w the primary borrower..me
Product: Checking or savings account

On XX/XX/2023 I contacted Credit Karma Money Support to report unauthorized transactions on my account. I had left town to take my XXXX XXXX XXXX to the children 's hospital in Denver and while I was gone my XXXX XXXX XXXX son would be staying with his father my ex husband. I left my son my debit card for emergencies or if he needed food he was allowed to use it. His dad found out about this and bullied my child and threatening him until he gave him the card and pin. He had my son extremely frightened so he wouldnt tell me. I was so busy at the hospital that i didnt check my account and if the bank sent a confirmation text I would confirm it as I believed it was for my child. My ex husband drained my accounts of thousands of dollars I contacted the police and pressed charges there was an investigation and it was confirmed to be them by store surveillance as well as atm. Credit Karma credited a portion of the stolen funds however have refused to return XXXX in ATM withdrawals claiming they where authorized which is inaccurate. Credit Karma has all the facts to prove these where unauthorized yet refuse to refund the money. My ex husband is a loser and has no money which is why he stole mine. It's highly unlikely that I will ever get the money from him so I'm dependant on Credit Karma to recover my stolen funds. This is a significant amount of money and they are simply deciding they can not follow the laws and regulations they are obligated to adhere to. I have exhausted all options and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights. 

Dept of ED Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX 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 an account without my written instructions
Product: Credit card or prepaid card

I made a purchase of {$120.00} with a vanilla pre-paid card on the website XXXX XXXX  XXXX on XX/XX/21. I did receive a confirmation email of the purchase. The next day I realized that they charged my card {$120.00}, almost the full amount of the card. I tried contacting the company by phone, email, and messenger. The phone numbers are disconnected, and no response has been given by email or messenger. I then called vanilla card company and requested they stop the pending charge. They refused this request and told me to call back after XX/XX/21 when the charge was finalized to dispute the amount. When I called back on XX/XX/21 I was told that it was impossible to dispute the amount, and I must have agreed to the charged amount. I was told that it sounds impossible I was charged more than what I agreed to. When I asked to speak to someone else, I was put on hold for over 10 minutes and then I was hung up on.
Product: Mortgage

My wife and I escrow our mortgage, however our mortgage company Flagstar Bank has not been paying our property taxes correctly. They paid less than the amount owed in XXXX and paid it late, and are on track to also pay our XXXX taxes late and for less than the amount owed. Our escrow account has always been overfunded, so the cash to pay the full tax bill was available both years. I had called the mortgage company a while back to ask about a notice I received stating that I had a lien on my home due to unpaid taxes. Flagstar assured me that the account was current and would be paid on time, so I believed it to be true and did not follow-up further.

I recently started getting notices about unpaid taxes on our home, which is when I discovered that Flagstar had not been paying our taxes appropriately. I have reached out to the mortgage company to correct the issue, but wanted to report this nonetheless since I should not have to continue to take time away from work to address their incompetence. 

I am an XXXX XXXX XXXX for a XXXX XXXX XXXX doing XXXX in the mortgage audit space  and it appears to me that Flagstar or their sub-servicer has some significant gaps in their internal control processes. I'm happy to speak further about this if needed.
Product: Debt collection

PENNYMAC LOAN SERVICES , LLC SENT US VIA U.S MAIL A BILL/STATEMENT TRYING TO COLLECT AN ALLEDGE DEBT WITH A POSITIVE BALANCE ON IT. 

THE BILL/STATEMENT HAS SEVERALS VIOLATIONS. SOME OF THOSE VIOLATIONS ARE SHOWN ON THE EXHIBITS A, B AND C. THE VIOLATIONS FOUND WERE 15 USC 1692b. ( 5 ) ( PRESENTED TWICE ), 15 USC 1692b. ( 2 ), AND 15 USC 1692f. ( 8 ). ALL EXHIBITS I ATTACHED THEM HERE. 

AS A NATURAL PERSON I KNOW THAT I JUST ONLY MADE A CREDIT TRANSACTION WITH THIS COMPANY AND I KNOW THAT IAM THE ORIGINAL CREDITOR
Product: Credit card

Paypal Mastercard had a system update in XXXX XXXX I received an email letting me know if was happening, and naming my auto payments would be deleted and I would need to reenroll. Once update was completed, I received an email with a link asking me to login to my account. Once I clicked the link, nothing happened. I explained there was an error and my account could not be accessed. Assuming it was an error that would corrected with time, I attempted to log on again before my payment was due. I was once again unable to log in. 

Upon realizing my payment would be late if I did not pay, I attempted to make my payment via phone. Once again, I was unable to make my payment. Even when transferred to an agent, I was unable to make a payment. Causing my payment to be late. Although PayPal was unable to take my payment, they still charged me late payment fees on my account. Recently they corrected the phone payment issue. However once payment was made my credit limit was lowered by {$1000.00} which impacted my credit score. 

I have been unable to access my account since XXXX XXXX  despite SEVERAL attempts to correct the issue. I have called Paypal and asked them to remedy the issue. Each time ( between 5-6 times ) I was told my Paypal would link to my credit card in 5-10 business days. Each time I was told the issue would be corrected and I would receive a phone call back regarding the issue. The phone call never came. 

I have since paid off this card and I am concerned they will either close the account, which will impact my credit score or lower my credit limit even more. I have worked to correct these account issues, however Paypal has been unwilling to do their part.
Product: Checking or savings account

On  XXXX  of this year, I sent for a free cream item and only had to pay shipping cost. So this offer had popped up in my email and i paid with my check card.The company of course had my name and address to send me the free product. It had also asked for my phone number. S o three w eeks later in  XXXX  the company charged my account with  XXXX . I did not sign up for this. So I called chase bank and told them what happened and they put the money back into my account. They, bank  manager ,  XXXX   XXXX  gave me a new check card and said it was a scam. So I thought the problem was resolved.  XXXX  also stated the farm out your information. So on  XXXX   XXXX   Chase b ank without my permission, did an unauthorized transaction to this same company for  XXXX . I went to the bank immediately and  XXXX  the bank  manager was th ere. I told him what had happened. He said the claims dept. would handle it, there was nothing he could do. Well I sat there for over an hour and got nowhere. Then when I got home I called the bank and no one would help me. They said the company sent them paperwork that said I had a membership, well I do n't and I finally got the paperwork this week. There is no signature, the papers are bogus, all they have is my name and address which they would since i got the free cream. No one will help me, I did n't authorize this transaction.This is stealing.
Product: Mortgage

Since we originated the loan in 2018, my wife and I have had PMI on the load. 
Recently we went to about 34 % equity, so I asked if PMI could be removed. They said, maybe, but you have to submit a fee for {$100.00} and then a BPO will happen and then we'll see about the PMI removal. I agree, and on XX/XX/XXXX we submitted the {$100.00} electronically. 
Since then I've received no information. No call. No letter. Nothing as to stating when this broker would come out and do a walk through to determine home value. After a month, I figured let me just cancel this BPO and get my {$100.00} back since this company is not being truthful on what they offer. Since I have tried to get my {$100.00} back - I have sent countless emails. Through their site elements so I know that they get through. I get the occasional canned acknowledgement but nothing else. 
I am now sick of this kind of response. All I want is to get my {$100.00} back and my later intentions are to refi out of this loan to get away from this company. 
Hopefully you can help me. 
Thank you.
Product: Debt collection

XXXX, the original company, was paid in full when I left them for XXXX. They have send three other collection agencies about this and they've all backed off upon review of the evidence but they continue giving the account to additional agencies in order to destroy my credit.
Product: Credit reporting or other personal consumer reports

I negotiated a charged off account with XXXX XXXX with Citibank reps for the amount XXXX to be paid by XX/XX/2024 and I paid this on XX/XX/2024. On the letter from Citi it states this account would be reported on my credit as " Settled ''. As of today they reported this as a payment was made and they did not change the status to " SETTLED ''. This is clearly a breach of contract as I am in receipt of the letter from Citi and my bank statement and confirmation number from the companies rep that I paid on XXXX. I have included a copy of the settlement letter, copy of bank payment proof and copy of todays credit bureau showing this account only as a payment was made. Confirmation of the payment is : XXXX Repesentative ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018 RECEIVED AN ALERT THAT A CHANGE TO MY CREDIT REPORT HAD TAKEN PLACE! ... .INVALID INQUIRY ( LISTED ON CREDIT REPORT ) FROM APPARENT UNKNOWN RESOURCE!! I HAVE NO DEALINGS WITH COMPANY IN QUESTION. NO APPLICATION FOR EMPLOYMENT, CREDIT, ETC. EXIST!! 
INQUIRY LISTED AS : XXXX XXXX UTILITIES AND FUEL XXXX XXXX XXXX  XXXX XXXX, TX XXXX ACCORDING TO XXXX XXXX, NO RECORD OF SUCH ENTITY!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I took out a payday loan with Ace Cash months ago. Unfortunately, I experienced some financial hardships and my mother unexpectedly passed away during XXXX 2015. With this being said, I have received multiple harassing and threatening calls from the following agencies : Ace Cash, XXXX and XXXX ( XXXX ). I 've been threatened by way of voicemail : stating that a lawsuit would be filed, a sheriff would come to my home or job, phone calls would be made to my employer to obtain my income and so forth. I have never received any collection correspondence via mail but I do have XXXX saved voicemails in which XXXX different collection agents are threatening me with legal proceedings. The contact numbers for all agencies are the following : XXXX, XXXX, XXXX & XXXX. My XXXX account was charged without my approval for {$60.00} today vs. {$50.00}. When I complained the collection agency threatened me again with legal proceedings. Subsequently, I canceled my debit card and I have filed a dispute with my bank. Rep. XXXX XXXX with XXXX agreed to send me something in writing via email to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that they have placed an inquiry on my XXXX  credit file dated XX/XX/2020 that I never authorized and your Person is therefore in violation of federal statute : 15 U.S. Code 1681b regarding Permissible Purpose for accessing consumer credit reports. 

Additionally, this inquiry is reporting verified to 3B but provided no verification of my authorization.
Product: Debt collection

I demand immediate action to remove the fraudulent items listed in my letter, as required by FCRA Section 605b. Your prompt compliance with this request, including notifying all furnishers, is crucial to rectify the identity theft damage. Failure to do so will result in legal action. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Status : Dismissed, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Status : Dismissed. Plese remove these items ASAP.
Product: Debt collection

XXXX XXXX XXXX bought a debt from a helzberg account I had. They have called me 4-6 times a day m-f and on some weekends the first time I picked up the phone the debt collector asked my why I fell behind and explained I had lost my job and have 2 toddlers and a wife to take care of. When he asked me to pay {$1400.00} in full today I said I couldnt. Then asked me to put money down and pay it off over the next 2 months. Which I replied that I couldnt afford it right now. He then proceeded to say What kind of father cant pay his bills Not a very good one which is when I stopped talking to them in XXXX of 2022. One year later, after thousands of attempts to call me at all time of the day, I got a letter from a lawyer saying that they had seen that XXXX XXXX XXXX had filed a suit against me. So I called to attempt to settle the debt again. They proceeded to ask me to pay the full amount right now or the lawsuit will garnish my wages and get their money back. ( This was around XX/XX/XXXX ) I said I was hiring an attorney and we can settle in court at which point he told me those are just ambulance chaser of the debt collection world and the court would side with them. Now on XX/XX/XXXX they call me again threatening suit and that I should settle now at which point I stopped him and repeated that I already told them I was getting a lawyer. Which he responded Well legally you have to give me his name and number for us to stop calling and I said again stop calling me and hung up. After calling me a XXXX dad and calling my phone at all time even in the evenings right up to XXXX knowing I had small children to get to sleep Im fed up with their ignorant tactics of abuse and threatening me. I have paid off other creditors but at this point I dont want to pay them a dime after they have continually harassed me and from what I have found out tens of thousands of other people.
Product: Credit card

This is a complaint about a repeated issue at HSBC. This is not a duplicate complaint. HSBC is obliged to provide direct, specific and clear-to-understand answers under The Fair Credit Billing Act. For XXXX : XXXX; please could HSBC confirm the specific excerpt of the " XXXX dispute policy '' it used as basis for its credit card dispute decision? In the first instance, why did HSBC reject the dispute ; and then later when I submitted the same documents/evidence again, why did HSBC accept the dispute? XXXX have advised, in writing, that HSBC is responsible for providing this information to its customers. HSBC sent deadline communications for this dispute via postal mail. The letters systematically arrived after the deadlines had expired, potentially losing my claim rights to the dispute. Please could HSBC confirm the date the letters were sent, the deadline expiration date, the class of postal service used and the delivery timeline provided by your service provider?
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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 XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$82.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$82.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

My credit report has been negatively affected by Equifax allowing various entities to report unverified accounts on my credit. I asked Equifax to please provide me a hard copy of the original applications/contracts that is said to be mine so that I can verify signatures. Equifax relies on 3rd party vendors that provides electronic information that could easily be forged copied or finagled. In respects to the law that governs the CRA 's, it is my understanding that under the FCRA 15 U.S.C. 1681, all unverified accounts must be promptly deleted. In respects to the governing law, a verified account is defined as an original hard copy of the original application that is believed to be mine. Equifax has disregarded my request for the copies of the applications or contracts that is in my file. They have responded within the 30 days but not with the original documentation with my signatures. I did not ask for a copy of my credit port. I asked for an updated copy of my report that shows the accounts in question to be removed because of Equifax 's inability or unwillingness to forward me all original hard copies within 30 days. According to the law that governs the CRA 's it 's illegal to report on my credit file without having the " hard copy '' on file.