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

If I could give XXXX stars I would. I have a car loan thru this company for seven years. The loan ended XXXX XXXX XXXX I called and explained that there is no way I have over XXXX grand to pay because the loan had ended. They told me to call back in XXXX to work out an extension. I called XX/XX/XXXX. A representative told me that to complete an extension I would need to pay {$260.00} which I did and to make my regular monthly payments of {$400.00}. XXXX came around I called and asked if I could make a partial payment on XX/XX/XXXX and the remainder on the XXXX. They said yes. I was never once told that since I did not pay a full payment in XXXX that my car is now 72 days past due as of XX/XX/. They repossed my car last night. I called and spoke to a supervisor XXXX and he said he listened to the recoreded phone calls and understood what the representative said but unfortunately she does not have authority to grant extensions and my car is still 72 days past due which makes no sense since she told me to pay that in XXXX and I paid my full XXXX. Now to get it back I have to pay XXXX and then they will release the vehicle. After reading these reviews I'm now hesitant to even pay that amount since people are saying it takes days to even get them to send the paperwork to release the vehicle. I did not get a notice by email or mail or phone call saying my car is in repo status. Like I said I have had this car for 7 years and never once came close to it being repoed. This is poor communication from the reps to the clients and I am hiring a lawyer for the decetitfulness of their words and no paper work to back up about the car being in repo status or any paper work showing the request for an extension was denied when the rep put me on hold for over 30 minutes to come back and tell me the extension was approved with paying the {$260.00} back in XXXX. 
Westlake I hope your company gets sued for poor management skills with long term customers.
Product: Checking or savings account

Chase bank closed my account with out my knowledge. I have never have a negative balance or over withdrawn since I had chase bank! Called to ask why and to dispute their action and they would give me no reason! Now I have to wait 10 business days for a check to be mailed and all my accounts with my bank info have to be changed! Im furious!!!!
Product: Credit reporting or other personal consumer reports

XXXX continues false reporting negative information lentegrity after I have filed lawsuits. The XXXX family is behind this with the XXXX XXXX families
Product: Credit reporting or other personal consumer reports

I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the XXXX  this situation has put me under.
Product: Debt collection

The Fair Credit Reporting Act mandates that accurate and verified information be reported on consumers ' credit reports. In my case, the verification process appears to be delayed or ignored, causing further distress and damage to my financial standing. 
XXXX XXXX -PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX -PLEASE DELETE!!! 
I demand immediate action to address this situation. Specifically, I expect your agency to : Expedite the investigation into the fraudulent accounts on my credit report. 
Remove the fraudulent accounts promptly, as they are causing substantial harm to my creditworthiness. 
Provide me with written confirmation of the corrections made and an updated credit report reflecting these changes within 15 days of receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting the credit bureau multiple times in regards to this matter for the accounts XXXX XXXX XXXX as well as XXXX XXXX. I did not received a legitimate verification as I requested. I would like this account verified in full and removed immediately. I would like to exercise my rights according to 15 U.S. Code 1681n - Civil liability for willful noncompliance. I would like these accounts removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX ' XXXX in XXXX. I fell into financial trouble and hired a company to settle my debts. In XX/XX/XXXX, my debt was settled for {$100.00}. I have a copy of the settlement and check. In XXXX XXXX XXXX XXXX sold my account to a third-party collection agency. It has since been sold to two other agencies. It is now showing up as delinquent payment on my credit report. I tried to dispute the collection and it comes back as valid. I do not know how to get this taken care of.
Product: Payday loan, title loan, personal loan, or advance loan

They would give me a credit line of just {$50.00}. They would take the {$50.00} out of my checking account on the 3rd of the month and I could re borrow it back if I want. They took the {$50.00} dollars out of my XXXX checking account. They are reporting to all 3 credit bureaus I owe {$580.00}. Plus harassing me with text messages and emails from a Representative named XXXX. Im sick OF IT. I explained to the company you would only give me a credit line of XXXX. Why are you lying to me and all 3 credit bureaus????
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant is in regards of the recent accounts being reported on my consumer report that I will share below, that the credit bureaus have been reporting causing a high negative impact on my consumer report.I have been aware that since I open these accounts with these companies I made some uninformed decisions.First I was never giving any clarity of these agreements and the agreements was not conspicuous.15 usc 1601 makes it clear and conspicuous that if I was giving the proper information where I can understand any agreement in a credit transaction thats this would have been avoided and I would have been aware of the actual cost.To my knowledge there is no evidence of these debts, the only evidence would be the agreements.But because of the uninformed decisions these agreements has been voided. I was not giving an adequate notice where I could reasonably understand the full meanings of the agreement, where it seem these companies have only benefited.The very long agreement was very stressful to understand and over-stand any verbiage used in it.Even after trying several attempts to get any understanding from these companies I misguided.I highly dont believe the generated systems these companies use to send consumers these agreements gives adequate notices where all consumers can understand as well.According to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be EXCLUDED from a consumer credit report.Therefore these reports should have not been reported. The definition of a credit card under 15 usc 1681 relates as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, port, labor, or services on credit. Congress makes its clear and states that ANY card. So basically the credit card used would be my social security card.This is the credit card I used to begin ever consumer credit transaction below.So if anything these accounts should be reported as paid in full and payments updated as on time. I would like to demand that you these credit bureaus do just that or remove these transactions from report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 


These following accounts need to be removed immediately XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXXXXXX XXXX Open XX/XX/2022
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, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX : {$4300.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting

I have reviewed my credit report and it reflects correctly my good credit history. Yet my score has continuously dropped from around XXXX in XX/XX/2016 when we finished a streamline VA loan refi, to today 's score of XXXX. Nothing has occurred in my credit since XX/XX/XXXX that would warrent such change such as having late payment, missed payments charge off or court actions, etc. However, my credit score keeps dropping Asverse my lines of credit get reduced for having lower and lower scores. A catch XXXX, my score was dropped then my line of credit is reduced which drops my credit line. 
I would gladly pay off my credit as it 's not that much. Except for a little issue that started in XX/XX/2016 : My veterans educational benefits have been recalculate as a result of this the VA has determined they over paid my school. So, VA has withheld my pay in XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, over {$8500.00} ( my school was only paid {$6500.00} ). I 'm just very confused by all of this. And still, I 've keep up on my payments. But this sliding score is causing a mess as we are trying to buy a home! I expect to see a score of XXXX any day now as time progresses.
Product: Vehicle loan or lease

This complaint is to JP Morgan and Chase Auto Loan. 
State farm sent a cashier check off this item in XXXX of XXXX. I have included the necessary paperwork for it in this complaint as well. JPM Chase received the information but has not cashed the check, instead chose to keep adding fees to the item. 

I communicated with XXXX XXXX through XXXX - XXXX, and they sent another Cashier check for the payoff on XX/XX/XXXX. The cashier check was delivered on XX/XX/XXXX at XXXXXXXX XXXX Signed by XXXX, with tracking number XXXX. JPM Chase Auto has still yet to cash the check. They have instead decided to keep hitting my credit report with late payment and charge offs and included fees. I have disputed this item with the Credit Bureaus and with JPMorgan Chase Auto which states that the information is valid, despite the fact I have included all of the paperwork that I am sending into the CFPB as well. I feel that this is my last option to get this corrected. I am attempting to get a home loan, and this item violates the FCRA, and FCBA from what I have read online, they are refusing to cash they payout at our agreed upon amount, and instead, choose the add late fees. The cashier check was received ( as stated in the XXXX XXXX I have uploaded ). 

I have also attached a Credit report ( dated XXXX XXXX ) of the item in question : JPMCB Auto - Account XXXX. One can clearly see the increased fees from the payout due to them refusing to cash the check. 

My loan officer said that this inaccurate item is preventing them from refinancing my home. I turn to the CFPB for them to conduct an investigation on this item so they can get JPM Chase to cash the check as we agreed and report a XXXX dollar balance to my report.
Product: Debt collection

This company credit collection service has called me multiple time making threats as well as using abusive language
Product: Credit reporting or other personal consumer reports

I am fully aware that XXXX, TransUnion and XXXX have reported negative credit items on my credit report without sufficient legal standing. This action not only contravenes the statutory provisions outlined in the Fair Credit Reporting Act ( FCRA ) but also disregards the principles upheld by the Supreme Court under the Chevron Doctrine. The FCRA aims to ensure accuracy, fairness, and the privacy of information in the files of consumer reporting agencies. 
By collecting and disseminating private information without explicit statutory authority, XXXX, TransUnion and XXXX is in violation of my rights as a consumer. This unauthorized practice has led to substantial harm, including but not limited to the negative impact on my credit score, which affects my financial stability and opportunities. 
I request that XXXX, TransUnion and XXXX immediately cease the unauthorized collection and reporting of my private information and take corrective action to remove any and all negative credit items that have been inaccurately or unlawfully reported. Furthermore, I urge the CFPB to investigate this matter thoroughly and enforce compliance with the statutory requirements as dictated by the Chevron Doctrine and the FCRA.

Please acknowledge receipt of this letter and inform me of the actions that will be taken to address this issue within 30 days. Failure to comply may result in further legal action to protect my rights and ensure adherence to federal laws and Supreme Court rulings. 
Thank you for your prompt attention to this matter.
Product: Debt collection

CREDIT BUREAU IS IN VIOLATION OF FCRA, METRO 2 COMPLIANCE, LOCAL, STATE AND FEDERAL CONSUMER PROTECTION LAWS.
Product: Debt collection

I have an outstanding debt with XXXXXXXX XXXX. I called to settle this debt in XX/XX/XXXX. I am not residing in the United States, have no current plans to return to the United States, and I have expressed this to the XXXX representative. During the call, a settlement amount was discussed. The XXXX representative assured that a letter would be sent to my mailing address for me to confirm the settlement amount, however, this never happened. 

I called XXXX back XX/XX/XXXX, to inquire about the letter. There was no explanation, and the settlement now " needed to be renegotiated ''. I reiterated that I was unable to pay the full balance, and that I was outside of the country. Due to me not having a job, or stable income, I decline a payment plan. I let the XXXX representative know that I was able to make a lump sum payment but a payment plan was unrealistic. A settlement was not reached and I was told the debt would be sent to a law firm. 

XX/XX/XXXX, I received confirmation that the debt was sent to a law firm : XXXX, XXXX, XXXX, XXXX. 

I contacted the law firm XX/XX/XXXX, I was told a letter was sent to my mailing address XX/XX/XXXX. This was never confirmed, I am not there to receive the mail personally and my family did not receive it. I mentioned that I wanted to settle this debt, explained my financial troubles and that I am living outside of the country. A settlement amount was offered that I had to decline. The law firm representative suggested that I get a job and call back when I can pay the amount offered. 

I spoke to another representative XX/XX/XXXX. I further stressed that I am living outside of the country on limited funds. I asked for a lower settlement amount, it was denied. I was told that all I could do was keep in contact ; I should call back. I explained that I am living in XXXX, offered my phone number and email address. The rep refused email communications. I was informed that a summons was sent to my mailing address XX/XX/XXXX. 

I called and spoke to a law firm representative XX/XX/XXXX. I stated that I still wanted to settle my outstanding debt. No change in the amount was offered. I was told that I am being sued and it was suggested I seek legal advice. I confirmed that a civil case docket exists and it was filed XX/XX/XXXX. 

I did seek legal advice, and I was encouraged to contact the CFPB.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent activity. Please remove all fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has deleted items from my report specifically XXXX XXXX XXXX on XX/XX/2019 and XX/XX/2019 and they suddenly reappear with inaccurate info including a charge off being OPEN with monthly payments how is that even possible? Another concern is that it was deleted and reinserted without being given written notice within 5 days of the reinsertion which by law must be followed. Ive called multiple times to address the issue its not right that they can do whatever they want with MY credit file. I know i may just be a dollar sign to them but Im actually a human being to someone else.
Product: Credit reporting or other personal consumer reports

THEY REPORTING A BANKRUPT XXXX XXXX IN MY CREDIT REPORT THAT IS NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions
Product: Debt collection

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with THE TRANSWORLD SYSTEM INC/ This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify TRANSWORLD SYSTEM INC/ and tell them the debt is the result of identity theft.

AS TOLD PREVIOUSLY IM A VICTIM OF IDENTITY THEFT THIS ACCOUNT WAS OPENED AS RESULT TO THAT. FURTHER MORE SINCE THE DEBT WAS SOLD I HAVE NO CONTRACT OR LEGAL BINDING WITH YOUR COLKECTION AGENCY MEANING I OWN NOTHING, AND YOUR COLLECTION IS NOT License to even collect in the state of California.

I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : * Account applications made on paper, online, or by telephone * Account statements or invoices * Records of payment or charge slips * Delivery addresses associated with the account * Records of phone numbers used to activate or access the account * Signatures on applications and accounts * Investigators report Please send me a letter explaining what you have done to : * Inform [ business where the account was opened ] that the debt is the result of identity theft * Stop collection proceedings against me * Stop reporting information about the debt to credit reporting companies * Provide me with the records I request Thank you for your cooperation.

Sincerely, XXXX XXXX
Product: Mortgage

My husband and I started the process of purchasing a new home in XXXX XXXX. We reside in XXXX and the new home is in XXXX. Our intent was to close by the end of XXXX to claim on our taxes for XXXX. Our loan officer made all these promises that he failed to come through on. The interest rate we were quoted and agreed upon rose considerably. He failed to contact us prior to the rise in interest rate. We were lead to believe that we were locked into the interest rate we were told. He said that he didnt lock it prior to the increase because " that could of cost us money ''. We went above and beyond to supply him with everything he requested. We paid extra for paperwork to be expidited, for appraisals to be expidited, we missed work causing loss of income. All this and we didnt close escrow until XXXX XXXX, XXXX. His lack of care, was evident during phone conversations between myself and our loan officer and my husband and our loan officer. His lack of concern for us has cost us plenty of money. We are not able to claim the cost of this purchase on our XXXX taxes. Our mortgage payment is considerably higher. We are trying to help ourselves when we retire. Our realtor is refusing to ever use this company again. He did not even apologize for his actions. He told me in a phone conversation that he just wanted it to be over with. Who says that to their client who has put their trust in them and is paying them their hard earned money? He needs to be held accountable for his actions. Nothing can be done about the late closing date but he needs to honor our original interest rate, even if it costs him. Our realtor has told us there is something he could of done for us to make this right. He has chosen not to. Thank You.
Product: Student loan

I made a payment on my XXXX student loan, ( which does not go into repayment status until XXXX ) on XX/XX/XXXX through NelNets website. I confirmed that the payment was deducted from my bank account on XX/XX/XXXX. Servicer ( nelnet ) and XXXX XXXX do not show this payment having been made as of XX/XX/XXXX. Spoke with Nelnet for over 2 hours. They stated that the main system does not show the payment was made. They had to reach out to another department and was able to verify that they did receive the funds on XX/XX/XXXX, XXXX advised they would put a ticket in for the funds to be credited to my account which would take XXXX weeks. This is not handling my payments in a timely manner. I request that they provide a provisional credit so that my account would reflect an accurate balance since they have verified that they received my funds and so that I could continue to make my payments and this was verbally denied. I was told not to worry, it would be fixed in 4-6 weeks and there was nothing they could do. Account XXXX
Product: Credit card

XXXX That number above is my reference number with Revvi Card. That is the confirmation to me sending my documents by email. My ID and proof of address were needed to be sent because I tried changing my address with them. They've lied to me about how to send the documents and how long it'll take. They tell me that there's other issues going and then they tell me there isn't and they tell me there is. They even said since your card is in restriction you don't have to make the monthly payment and I have also been told you do need to make the payment.