23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I 'm a XXXX veteran living on benefits, got a car on XX/XX/2014. Then fell into financial hardships, got behind on car payments. I knew that there would be late fees as it read in the truth and lending disclosure bracket of XXXX % after 10 days of said scheduled payment. Then come to find out that lenders were charging us what they called " a {$6.00} per diem PER DAY!!! '' if our full payment was not received on the XXXX of every month, on top of the XXXX % late charge fee! Then they take our monthly payment, deduct their " {$6.00} a day per diem late charge first, then the late charge of XXXX % also gets deducted, then and only then whatever money is left gets the principal deducted. I called them to say that I did not see this on the contract or have any knowledge of this crazy rule. If I would of, there is now way in the world I would of signed. Their reply was you " should of read your contract ''. Now we find ourselves so deep in this hole and lost a lot of money, do n't know what to do. I 'm XXXX here with this, it just does n't feel right! Asking for some assistance and information in this nightmare!
Product: Payday loan, title loan, or personal loan

I changed the amount of my payment in XX/XX/XXXX. I increased the auto pay so that I could pay off the loan early. I asked while on the phone that the extra money was to be applied to the principle. I paid a larger payment in XX/XX/XXXX and figured that the final payment would be taken the next month XX/XX/XXXX. The lender never applied any of the extra payments to the principle ever. Loan is paid off and the lender collected an extra XXXX in interest.
Product: Mortgage

I have been a mortgage customer of Wells Fargo since they took over XXXX XXXX approximately 16 years ago. I have been in my home for over 20 years and have never been late with payments. I continued to pay PMI and was still at 7 % interest. Friends who are mortgage underwriters, told me to contact Wells Fargo and ask two things ( in this order ) : 1 ) can the PMI be stopped and can I get a refund on some of those payments, and 2 ) can I  refinance to a streamline mortgage where there is no credit check, appraisal, or closing costs needed. 

I contacted Wells Fargo on XX/XX/2018 asking for the PMI reduction/refund. That was denied. The first person I talked with was XXXX XXXX. 

I then asked about refinancing to a streamline mortgage. I completed the on-line application and was denied on XX/XX/2018 due to my credit score. But then I received XXXX documents from Wells Fargo to sign, which included a promissory note. They were refinancing my mortgage ; however, it was for another 30 years, not the 10 I asked for. Also they were charging me over {$4000.00} in closing costs, which included an appraisal. 

After this, I talked to numerous Wells Fargo representatives regarding that this was to be a STREAMLINE loan, with no closing costs, credit checks, appraisal, etc. I also received numerous emails and phone calls from representatives saying they are just touching base and will get an answer to me shortly. My latest correspondence from them is in letter form dated XX/XX/2018. 
Since, I have refinanced with another local bank. My needs were met ( exceeded ) by them ( no credit check, no appraisal, no closing costs ). 

I feel that I was not being given a product I requested and being pacified with all the correspondence with no answers. 

My home value is {$110000.00} and I owed {$45000.00}. That is over 60 % equity. 

Because of the standoff, interest rates rose and I am paying .5 % more than when this started. 

Also, during the process with my local bank, I made another payment to Wells Fargo. When I received notice of payoff from them, they said if I am due a refund, it will be deposited into the escrow account. This is totally unacceptable - I want a check sent to me!
Product: Student loan

I filed bankruptcy in 2017 and all my student loans was included and grated discharge. They need to be removed from my credit report. Ive been fighting this since I filed bankruptcy on them
Product: Checking or savings account

On XX/XX/2021. I reveived my third stimulus payment in the amount of {$4200.00} to my bank account with XXXX XXXX XXXX. Within 2 hours there were two unauthorized transactions on my account in the amount of {$2000.00} per transaction totaling {$4000.00}. It was sent through the banks service called Current Pay, which is a peer to peer money sending service. I have banked with Current for 2 years and have never known this service existed nor have lever utilized this service. I never received a notification, email, or even a flag asking if these transactions were authorized. I saw that somehow contact was added to my Current Pay service in the name of " XXXX '' ( XXXX XXXX ). I have no idea who this person is or how they were added to my contacts or were able to access my account and send themselves the {$4.00}. I immediately contacted Current through chat because their phones are not on now to dispute the charges and was pretty much called a liar, and told they refuse to dispute. I've since contacted them 5 additional times and they repeatedly accuse me of having knowledge of these transactions and continue to refuse to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I include it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XX/XX/XXXX
Product: Debt collection

An attempt to dispute 2 medical debts with Wakefield and Associates one totaling XXXX dollars and the other totaling XXXX and 1 medical debts with XXXX on the total of ( XXXX ) was denied, but the bills are stated to have come from XXXX primary care physician and XXXX XXXX XXXX which are doctors offices I have never been treated at, I believe the information is inaccurate. A letter of validation was never received or documentation itemizing all services and medications that I may have received along with a copy of my signature given the company permission to release my medical information.
Product: Credit reporting or other personal consumer reports

experian and XXXX are reporting late payments after charge off and XXXX is showing no payment history on XXXX XXXX XXXXXXXX XXXX  card account number XXXX also reporting a high percentage of usage the account is closed or charged off I'm disputing the accuracy of this account with all three bureaus
Product: Mortgage

My loan was original with XXXX XXXX this is where I received a loan modification with my first payment beginning XX/XX/XXXX at {$760.00}, I made all three payments on time. Suddenly my loan was transferred to Ocwen where they made me apply again and again. 
On XX/XX/XXXX, I received a letter from Ocwen stating that they have received all my documents, yet they have not given me a loan modification have struggled to keep this home for my family. Now I have a letter from OCWEN dated XX/XX/XXXX, stating my investor Trustee of XXXX Securitization Trust Series XXXX does not participate in HAMP. First of all I never received any such notice of a transfer, additionally, I was already approved and paying for a loan modification. I do n't know if my trustee is the same as it was when I was with XXXX or has it changed, again, no notice.
Product: Debt collection

I contacted Pressler , Felt & Warshaw , LLP via e-mail, with no response, a couple of days later, on XX/XX/XXXX, my wife, followed up. I'm in XXXX XXXX as a result of being a healthcare worker and contracting COVID on XX/XX/XXXX, 9 days later I was in serious trouble and have been in and out of the hospital, seeing doctors, XXXX XXXX XXXX XXXX XXXX, now I'm on XXXX. We requested that Pressler, Felt & Warshaw accept the amount paid as a settlement. The gentleman on the phone stated " a compliant has already been typed up, but has not gone out, how much can you pay today. My wife stated " did you hear what I asked for, he said " yes '' and continued to ask for a payment of {$200.00}, she advised that we were unable to provide that kind of payment. Finally he accepted a {$75.00} payment. Never even attempting to work with us at this difficult time in my life. Ironically the attached letter showed up the same day in my po box XXXX I believe it was totally unfair that the only concentration this gentleman had was to get a payment and not understanding the extent of the health issue. Also, I am disputing the validity of this claim as XXXX XXXX during COVID had added a lot of fees to my account, that should have been removed and lowering the balance. Also, they were harassing me all times of the day, calling and trying to collect money XXXX times a day, sometimes one call right after another, stating that their system calls automatically and they had no control. Even after I advised I just spoke to someone, they proceed to harass for a payment, I'd request to send in writing and stop calling me, the letter never came and the calls never ceased. Being a healthcare work XXXX XXXX has signed certain protections into place for healthcare workers.
Product: Debt collection

Numbers : XXXX has called 5 times XX/XX/XXXX XXXX has called 4 times XX/XX/XXXX in the last XXXX hours both are discover loans ( I have voicemails having them identify who they are ) XXXX called 11 more times from XX/XX/XXXX to XX/XX/XXXX I contacted them back in XXXX to not contact me while they were harassing me on a call. they laid off till early XXXX late XXXX, but have contacted me everyday since. I have severe social anxiety as well as being on the phone, so I am physically incapable due to emotional/mental blocking me. 

They contact me at least 3 times of day, ive told them not to contact me early morning or clarified that they wake me up with these calls. they still call at XXXX XXXX directly.
Product: Credit card or prepaid card

I received a pre-paid XXXX debit card for {$100.00} as a gift. I followed the instructions and registered the gift online at the company 's website. The website is XXXX, phone number XXXX. I entered my name and mailing address when registering the card. I also called the number above and set a PIN. 

I have tried multiple times to use this card online through sites like XXXX but it keeps getting rejected by the retailer. It says the payment method is invalid. 

I tried calling the number above to speak to someone to resolve the issue but there it is just a recorded menu system and there is no live human to speak with.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute the inaccurate and incomplete reporting of a charge-off account dated XX/XX/year>, as reported by Sezzle, on my credit report. The information is not only damaging my creditworthiness but also violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Request for Validation Pursuant to 15 U.S.C. 1692g ( b ) of the FDCPA, I demand validation of the debt you claim I owe. Specifically, I require : Proof of the Original Debt : Documentation, including the original signed contract or agreement bearing my signature, establishing the validity of this debt. 
Assignment Contract : If this debt has been sold, transferred, or assigned to your company, provide a copy of the assignment contract between you and the original creditor. 
Detailed Accounting : A complete breakdown of the alleged debt, including all fees, interest, and charges. 
If you can not provide the above documentation, you must immediately cease reporting this charge-off to the credit bureaus as required by law.

Violation of the FCRA Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to report accurate and verifiable data. Continuing to report a charge-off while failing to provide me with a 1099-C or other evidence of cancellation is misleading and inaccurate. I demand that you either : Issue a 1099-C to reflect the charge-off as canceled debt for tax purposes, or Remove the charge-off from my credit report entirely if the debt remains active and collectible.

Furthermore, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( A ), you must provide me with a description of the procedure used to verify the accuracy of the disputed information within 15 days of completing your investigation.

Impact on My Financial Stability This misreporting is not a minor errorit is causing substantial harm, obstructing my ability to secure credit for essential purposes such as housing, transportation, and employment. The continuous reporting of this charge-off without proper validation or resolution demonstrates gross negligence of your legal responsibilities.

Immediate Action Required To resolve this matter, I demand that you take the following actions immediately : Remove the charge-off from all credit reporting agencies.

Provide written confirmation of the deletion.

Cease any further collection activities until this debt is properly validated.

Failure to comply with these requests will leave me with no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals Office. Additionally, I reserve the right to pursue legal action for damages resulting from your violations of the FCRA and FDCPA.

I expect your written response, including all requested documentation, within 30 days of receiving this letter. Your prompt attention to this matter is appreciated. 

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

XXXX XXXX never sent any documentation over to XXXX XXXX about my student loan tpd to XXXX XXXX as stated by them and XXXX says it sounds like when I first started my tpd it was a different process but either way I sent over my 1099c form to XXXX but my dispute was modified later Ive asked for what was modified but got no response but hung up on also so I started stating I was recording early on and also disregarded by silent treatment also. XXXX told me to tell them to send over my credit report and they will send over the correct information. After disputing my equifax 2.0 score dropped 28 points and my rate went up {$1.00} according to alerts. XXXX XXXX has closed out my report because nobody is sharing my credit reports to XXXX also the loan department of XXXX has my info but the tpd doesnt. On my credit report they are both reported as opening on the same day month and year. My original loan was XXXX and it was consolidated. I only went to college for one semester from XX/XX/XXXX to XX/XX/XXXX. Also XXXX a new company only contacted me three times so they say but Ive never heard of them before I reached out to them but it was during this pandemic when I did because thats when I found out they said they reached out last in XX/XX/XXXX but I wouldve known if they had but I also dont receive my mail from the social security office either and I know they have proof but I dont know or understand whose record they put my tpd under. Some schools just arent for XXXX people.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2020 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged.

Due to ( Titl

e 15-1681B ( 2 ) /3A ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. Under title 15 USC 1681n civil liability for willful non compliance -Any person tha
t willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}
Product: Debt collection

I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I request that the following account be promptly removed immediately off of my credit for XXXX {$1200.00}.
Product: Credit reporting or other personal consumer reports

The credit bureaus Equifax, XXXX and XXXX are reporting information that I do not recognize as correct, I have repeatedly sent letters asking them to report correctly, but they do not, they report some duplicate accounts and continue to say that they are correct.
Product: Vehicle loan or lease

On the day of XXXX XXXX I signed a contract with XXXX XXXX XXXX. At the price of XXXX with an interest rate of 5.99 %. I was not provided with the type of notice of my rights to rescission under the Truth in Lending Act ( TILA ), 15 U.S.C 1601et Seq this is required by federal. Upon reviewing my contract, oblations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant 12 CFR 1026.3 named Truth in Lending. Per the Congressional finding of TILA as well as my due diligence, " It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able during the consummation of the contract Infiniti Finance did not disclose my right to rescind. Thus being the case, pursuant 15 USC 1635 I have the rights to rescind my initial consent to pursue the pervious terms. I conclude this letter with a demand for you to return my initial down payment since you failed to mention that my finance charge was all I needed to complete the deal and that the cash payment was only of benefit to you. 15 U.S code 1635 ( b ) ( F ) I ask that you return my Down payment of within 20 days of this notice by law. 

You can contact me at XXXX or XXXX. I look forward to a speedy resolution to this matter. 

Best regards, XXXX XXXX & XXXX XXXX
Product: Credit card

Synchrony Bank 's, for the American Eagle credit card, online system shows a late fee despite my payment being made on-time ( by XXXX XXXX at XXXX Eastern ). I made my payment at XXXX Eastern. According to the unprofessional CSR talking over me and laughing while I was talking to her the system automatically generates a late fee if a payment is posted to the account by XXXX. This was not stated in any notice to me. She claims that " the system '' does n't recognize the payment until the payment posts and is no longer in a pending status. All I saw was a notification e-mail that I was charged a late fee.
Product: Credit reporting or other personal consumer reports

Can you provide me process of verification on the XXXX late payment for XXXX XXXX  I disputed which means I wouldve been late XXXX & XXXX. The late payment is in relation to a computer error on XXXX  end also I spoke with XXXX  they agreed to update it and never did so I called back and asked them to listen to the conversation they told me they no longer have access to the conversation. How was this verified? Please update asap!! I also attached the XXXX payments showing theres no late fee so how could it be a late payments. I want this late payment removed off my credit report because its violating my consumer rights and also inaccurate.
Product: Debt collection

I paid in full the balance on the account on XX/XX/2019 confirmation number available upon request. On XX/XX/2019 a checking account I used solely for making payments on this card was over-drafted due to a payment withdrawn by Citibank although there was a {$0.00} balance on the account. I called on XX/XX/2019 to contest, and gave an address to have the amount withdrawn credited back to my account and to cancel automatic payments. That amount was never sent to me. On XX/XX/2019 the Citigroup withdrew another payment although at this point I had called 2 times already to resolve the balance and cancel automatic payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a XXXX collection appear on my credit report periodically for over ten years. I dispute it, the credit reporting agencies remove it, it reappears a year later. It's back. Again. I don't know what else to do. This time the collection agency is Credence Resource Management.