23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted a public service loan forgiveness employment certification form to FedLoan on XX/XX/XXXX that certified my employment with the Federal government for the period of XX/XX/XXXX to XX/XX/XXXX. I received notification that the process of confirming the eligibility of my employment would take approximately 30-90 days. I web-chatted with FedLoan a few weeks after submitting my form and was told that it had to be reviewed by " FSA. '' I contacted FedLoan via email on XX/XX/XXXX and was told that no updates could be provided concerning the review. I submitted another employment certification form on XX/XX/XXXX that certified my employment with the Federal government for the period of XX/XX/XXXX to XX/XX/XXXX. Shortly thereafter, FedLoan updated my qualifying payment count to show months of XX/XX/XXXX and XX/XX/XXXX as counting, but payment months of XX/XX/XXXX through XX/XX/XXXX continue to show as " employment not certified. '' I contact FedLoan via email on XX/XX/XXXX to inquire about this and was provided no information or explanation. Thereafter, I wrote to the Department of Education 's FSA Office for assistance and they forwarded my inquiry to FedLoan. When I have spoken with FedLoan about the issue, they have pointed to the FSA Office and advised that no updates or timeframe for a resolution can be provided. As of now, it has been more than 90 days and this issue remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was a total lost on XXXX XX/XX/XXXX. My insurance company ( XXXX ) paid for the total lost and my GAP insurance was going to cover the remainder. The GAP company needed some information from the dealer and TD Auto Finance in order to process the claim but the two companies were very non-compliant providing that information. I called TD Auto Finance several times every month and I specifically asked them if I needed to continue making monthly payments. They told me that I didn't need to make monthly payments because the vehicle was a total lost and the remaining amount was going to be covered by the GAP insurance and also that interest would not be accumulating anymore. I didn't get a written confirmation of this conversation but they never called me, mailed or emailed me any late statements or any notices telling me that I was late or that I needed to make payments. 
After over 7 months of constantly contacting TD Auto Finance and requesting that they provided the info to the GAP company they finally did it and in XXXX of XXXX the GAP company issued them a check for the remainder amount. 
I was very surprised when I got a noticed from XXXX telling me that my credit score had dropped dramatically. When I checked XXXX I noticed that TD Auto Finance had reported that my loan was " Paid was a Charge-Off ''. Also, in the section regarding my payment history XXXX was reporting that from the months of XX/XX/XXXX to XX/XX/XXXX there was no data available or reported to them. I submitted a dispute and the information remained the same plus in this case, TD Auto Finance reported that I was also late in payments from XX/XX/XXXX to XX/XX/XXXX. I challenged that information with XXXX and TD Auto Finance and submitted an additional dispute. They told me that they were going to look into it but is not going anywhere because the second dispute was completed and contained the same derogatory information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DUPLICATE HARD PULLS ON XXXX  1 AUTHORIZED THE OTHER ONE NOT DELETE XXXX XXXX XX/XX/XXXX, DUPLICATE XXXX XX/XX/XXXX DELETE XX/XX/XXXX AND GINNY ON XX/XX/XXXX.
Product: Credit card or prepaid card

In early XX/XX/XXXX, I added a bankamerica deal to my account that was spend {$15.00} or more two times on you card and receive {$75.00} cash back at XXXX XXXX XXXX. On XX/XX/XXXX, I spent {$21.00} on order XXXX and also {$21.00} on order XXXX. I waited the 90 days it stated it could take to receive the cash back. After 90 days I called BoA and they said I should receive the funds very soon. It has now been almost 180 days and I have not received the cash back.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if there are any accounts that are reporting inaccurately on my credit report they should be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I was approved for a payday loan with blue chip financial/XXXX XXXX..InXX/XX/XXXX for XXXX dollars.. This company violated section 3-3 ( a ) of the payday loan reform act in the state of Illinois which clearly states for a business to act as a payday lender in the state of Illinois, this business must be licensed with the department of financial and professional regulation which this company is not. XXXX further violated section 1 of the payday loan reform act by offering, making or arranging payday loans to consumers to state of Illinois without obtaining a nd applying for the required license by the Illinois department of professional regulation therefore making this loan illegal in the state of Illinois.This company further violated a cease and desist order which was issued on XX/XX/XXXX which states the spotloan will cease and desist collecting on any payday loans given to consumers on or afterXX/XX/XXXX
Product: Debt collection

I was contacted by Van Ru Credit Corporation 5 times in one day. They would hang up each time I would answer after my answering machine would pick up. When I finally spoke to them, they told me to press my suit that I have a court date coming up. That if I do not pay my bill they will take my home, and my children will be homeless. 

When I called and asked to speak to the President or owner I was told XXXX XXXX does not speak to losers. That he was on his yacht on vacation.
Product: Debt collection

I received a car loan through Credit Acceptance. The car was totaled in a hailstorm in 2023. They had the car towed and it was no longer in my possession. They repeatedly contacted me, stating I had a balance. Once the balance was paid, they continued to report me to the Credit Bureaus. 

Also, before the car was totaled, they repeatedly reported me to the credit bureaus stating I was XXXX  days late on my payments when I was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to submit my complaint regarding this inaccurate information. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be corrected. The following accounts should be fixed or corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

TransUnion Credit Dispute Department XXXX XXXX XXXX XXXX, PA XXXX XXXX  Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Credit Dispute for Account Reporting Violations Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report, specifically regarding the accounts listed below. As per the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information reported on my credit file is accurate, fair, and substantiated. In accordance with 15 USC 1666b, creditors are obligated to provide timely information as outlined in section 1637b, which they have failed to do so. 

I am requesting proof that the required information was mailed or delivered 21 days before the payment due date, as mandated by law. Failure to provide such validation would render late payment reporting invalid, thus requiring the removal of these derogatory marks from my credit report. 

The accounts in question are : XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXXXXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX I request that you conduct a thorough investigation into these matters and provide me with documented proof of compliance with the aforementioned consumer protection laws. If such evidence can not be provided, I expect the inaccurate reporting to be promptly removed from my credit file. 

Please inform me of the steps taken to address this dispute and the resolution thereof. You may contact me at the provided phone number or email address to discuss any further information required to facilitate this process. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

My mother passed away. She had a checking account/business account for her class reunion expenditures. She is the only person listed on the account. I have submitted a death certificate, copy of the will to prove that I am executrix of her estate, and all requested documentation. I was allowed to close all accounts at Wells Fargo except for this XXXX account. Five years later, Wells Fargo has still denied me the right to close this account. I provided the documentation for the third time in five years and the account remains open. They mail me a statement every month. This is torture to know that I can not close the account and stop the mail that is addressed to my mother. I am disappointed in the number of times that I have submitted information to the bank to have them respond with the " account is under review ''. She had been dead for five years. She will forever be the only name on this account. I am eager for a resolution to this issue and for the statements to stop.
Product: Payday loan, title loan, or personal loan

My loan payments are due the XXXX of every month and for convenience I chose automatic payments. I finally read XXXX of my statements and realized the balance wasn't going down. Around XX/XX/XXXX I spoke to XXXX from Aqua Finance resolution department to discuss interest fees 13.99 %. I found out that out of the {$650.00} I pay every month only {$100.00} is being applied to the principal balance of {$47000.00}. I've had the loan since we started building our pool in XXXX. I spoke to XXXX about refinancing the loan and she said that it wasn't an option and that interest had accrued since before the pool build was completed. So it seems like I'm just paying back interest and the loan will never be paid back if only {$100.00} is being applied each month to the balance. I asked her if I could pay half {$320.00} twice a month and she sent me the link for Pay Near Me so I am able to do that. However, my husband began getting calls that we were behind on payments and they started charging a {$10.00} late fee. They said if they don't received full payment within 15 days they automatically charge the late fee, I was still making the total {$650.00} payment by the end of each month.
Product: Vehicle loan or lease

I called on XX/XX/XXXX to schedule a payment arrangement for my car loan due to my unemployment, military XXXX via veterans affairs and moving to another apartment which too all my money to do so. I explained my situation to the customer service representative only to have the agent make an incorrect assumption placing the first payment on the XXXX of XXXX instead of the XXXX like I wanted. I don't get paid until the end of each month as a XXXX payment. I was paid on the XXXX Friday when the car was repossessed and still had time till the XXXX to resolve the account. The agent assumption placing my first payment on the XXXX ruined my payment agreement and thus caused a messy situation to resolve my account. The account has inaccurate balance and needs to be deleted from my credit report. American Credit Acceptance refuses to waive the repossession fees of XXXX XXXX And wants me to pay in full for someone else mistake and assumption. 


Payments should also be stopped once repo. I shouldn't be reported for any future late payments. Now once that happens, how in the world can the Original owner ( myself ) still be reported for Late payments? 
In short, they shouldn't, but they often do, and that is the key reason I am identifying this report a " factual error '', and, ultimately, requesting it's immediate removal from my credit report due to this error. 
The reporting of late payments after a repossession occurred, that's an error, and when this happens, I am able to dispute that error with pinpoint accuracy pointing this out. 
Now that the vehicle was repossessed and defaulting on payments at this, point, is, inaccurate, The account that you were reporting is identified as a repossession, yet you continue to report late payments. 
Since the vehicle is no longer in my possession, it would be impossible for me to default on the payments after the fact. I have the right to an accurate credit file, and, discrepancies, like, this, Are unacceptable, so please immediately remove this account and it's entirely from my, credit, file, Now, another potential discrepancy to look for and factually dispute is a monthly payment account appearing after the vehicle has been repossessed. 
A monthly payment should not exist after a repossession has occurred. 




At the Time of purchase this car was a credit sale and not an installment, loan. The car is being identified on my credit report as a loan thus resulting in another error. 
This error by default has resulted in me challenging its legitimacy and I am factually disputing the repossession. 
Based solely on that specific factual error, The account you are reporting is identified as an installment loan. 
Which is factually incorrect. The true account type for this account is a credit sale agreement. Done so at the time of purchase at a dealership where it was signed. 
I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately.
Product: Debt collection

A collector collected over XXXX XXXX dollars for a account open or used fraudulently and need this issue resolved immediately its killing my credit score
Product: Credit reporting or other personal consumer reports

They sent the information back as verified. No documentation was returned. Never noting how the information was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$4000.00} US DEPT ED XXXX {$8200.00} XXXX  XXXX {$390.00} U S DEPT OF EDXXXX XXXX {$560.00} XXXX XXXX {$2000.00} XXXX XXXX {$1800.00} XXXX XXXX {$11000.00}
Product: Mortgage

I attempted to pay off a mortgage loan with Chase. The loan number is XXXX. I sent XXXX personal checks to Chase to pay off the loan. XXXX was for {$13.00} and the other for {$41000.00}. Chase should have received these checks on XXXX XXXX, 2016. On XXXX XXXX I called my bank to determine if the Chase checks had cleared and found out the smaller of the XXXX checks had been paid by my bank. I called Chase to determine why the larger check had not been presented for payment and was informed since this was a pay off they needed a cashier 's check. I then went to a Chase branch here in XXXX to see if they could assist me in getting Chase to present the check to my bank and the Chase brance was told a cashier 's check was needed. When I first talked with Chase I was also ; told Chase would mail back tome the larger check and the Chase employee at the XXXX branch was told the same. I then went to my bank and obtained a cashier 's check and took it back to the Chase branch in ; XXXX and received a receipt. On XXXX XXXX I called my bank to check on the balance in my account and found our Chase on XXXX XXXX had indeed presented my large check for payment which was returned to Chase for NSF as the monies for the payment had been withdrawn when I obtained the cashier 's check. I then called Chase to determine why they had presented my check for payment when they said they would mail it back to me and it was supposedly against their policy to accept a personal check for a pay off. No one at Chase had any explanation of why this happened. 

Then adding insult to injury Chase again presented my personal check to my bank on XXXX XXXX which was paid by my bank but created a negative balance in my account. ; After I wen t to my bank that check was returned to Chase NSF. On XXXX XXXX I received a letter from Chase dated XXXX XXXX informing me that my loan was paid off which it was on XXXX XXXX. 
I have spent more than 5 hours attempting to get this matter resolved with Chase including in 3 trips to their XXXX XXXX and 3 trips to my bank to clear up the NSF issues created by Chase It would appear to me that if Chase does in fact have a policy regarding only the acceptance of a cashier 's check they should follow it. Also I should have been able to rely on the representation by Chase employees that they were going to mail back to me my check and not present it to my bank for payment Further why Chase would present a check for a payoff on XXXX XXXX when their records showed on XXXX XXXX the loan was paid in full can not for any reason be justified.
Product: Mortgage

XXXX XXXX, XXXX. My wife and I are XXXX and live at XXXX XXXX XXXX, The Villages XXXX. I am a XXXX XXXX and was simply attempting to refinance my home to pull some additional cash out on a new VA loan to complete final home XXXX. 
I had refinanced almost 2 years earlier and pulled almost {$100000.00} of cash out of equity on a VA loan to install hardwood flooring throughout, a 16X20 fully functional square footage screened in XXXX, new paint throughout, irrigation system, landscaping, etc. My VA appraiser then was XXXX XXXX, assigned by the VA to appraise my home on the golf course and her result 17 months ago was {$320000.00}. That was fine as I took the cash and made the over {$50000.00} in improvements. 2 months ago, we decided to do our last refinance and pull additional cash out to install a gourmet kitchen, bathrooms, etc. The bank was Flagstar Bank that we applied with. Two men showed up to appraise our home in a pick-up truck one named XXXX XXXX and the other did not identify himself yet they both handed me XXXX XXXX cards and said they were also Realtors. Does n't that violate Dodd/Frank or Respa?? They paid no attention when I tried to show them the improvements that I had made and the XXXX I planned to make and were in my home for no more than 8 minutes. Being a retired real estate appraiser, I gave them some information concerning comps to make their job easier yet they did not bother to look at or take the documentation with them. In closing, 15 days later, Flagstar Bank notifies me that my appraisal was complete and the value was {$250000.00}. The comps that were used were all over 1 mile away, one was a short sale and one was a XXXX. These guys simply " mailed this appraisal in '' for lack of a better word. In closing, I will be notifying the VA today with complaints and a re-consideration of value as I have evidence of 8, YES, 8 sold comps within .35 miles of my home, on the golf course that have all sold within the last 4 months for in excess of {$370000.00}. These men should not be licensed real estate appraisers but rather they should be used car  salesman. In closing, XXXX XXXX, approved by the VA is going to appraise my home again per my request. Being a retired Executive from XXXX XXXX, XXXX, I will be writing to my former neighbor and now the Secretary of HUD, XXXX XXXX XXXX. I feel like my wife and I were taken advantage of for {$450.00} as the appraisers would not speak to us as I am XXXX XXXX XXXX and my wife is XXXX, not to mention only providing 3 comps on their valuation that were horrible, far away, inferior and useless. Please reach out to me at XXXX XXXX XXXX so I can provide you with all of my additional documentation. XXXX XXXX. XXXX XXXX XXXX
Product: Mortgage

My loan was transferred from XXXXXXXX XXXX to Roundpoint Mortgage. Under XXXX they were willing to apply SCRA protections. 

Important Account Messages ( Noted on the statement ) : Thank you for your service! Under 50 USC 3937 of the Servicemembers Civil Relief Act ( SCRA ), the interest rate on the mortgage loan has been reduced to 6 % while you are on XXXX XXXX and for 12 months after your XXXX XXXX terminates. The interest shown in the Account Information will continue to reflect the rate shown in the Note ; however, the monthly payment amount has been adjusted to reflect the rate reduction. This adjustment is shown as a Replacement Reserve credit in the Explanation of Amount Due section of this statement. 

On or about XX/XX/2024 my loan transferred to Roundpoint who stripped the protections from my loan. I had called them and emailed them. The first email was sent on XX/XX/2024 and the second email was sent on XX/XX/2024. On XX/XX/2024, I received a message back from them stating the following : Loan : XXXX Property : XXXX XXXX XXXX, XXXX, MD XXXX Delivered via email to XXXX Dear XXXX XXXX, We are responding to your email, which we received on XX/XX/2024. Your email indicates your loan transferred to RoundPoint Mortgage Servicing LLC ( RoundPoint ) ; however, the loan did not transfer with SCRA protections. You request RoundPoint credit the account and reinstate the protections. Whats Important to Know Our research confirms you are not eligible for SCRA protection or an interest rate adjustment, as the loan originated after your XXXX XXXX start date. We have enclosed the SCRA Protection Eligibility Letter for your reference. We hope this information satisfactorily addresses your concerns. 
Further Details Our review indicates there has been no error by RoundPoint in the servicing of the mortgage loan. Federal law provides the right to request documents we relied upon in reaching this determination. For convenience, the relevant documentation is enclosed with this response. 

Based on the XXXX statement and note, protections were granted and yet Roundpoint removed them and has failed to recognize as such and reinstate them along with any refunds owed due to interest above 6 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. Additionally, the accounts was already removed from the other bureaus, so please do your part. 

XXXX XXXX, XXXX XXXX