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

In XX/XX/XXXX, I contacted XXXX XXXX XXXX in XXXX, Georgia, to make an appointment for a recall transmission service of a XXXX XXXX XXXX. Recall transmission repairs have been done at this same dealership in the past. I was unable to drive the car and was given an appointment to drop the car off on XX/XX/XXXX, which I did. I immediately requested a loaner vehicle and was told one wasnt available. After, several weeks I was approved to receive a rental through XXXX but can not use that rental care company due to owing a balance. I had a similar issue in the past with XXXX, who immediately allowed me to rent a car through XXXX. 

I was eventually informed I could rent with another car rental company and receive reimbursement. However, I did not receive this information in writing, and it would incur thousands of dollars upfront with no clear standard on the rental process or when I will receive reimbursement. This is not feasible considering I am still paying the monthly note to Navy Federal Credit Union and the insurance while the car is inoperable. 


My most recent attempt to resolve this was on XX/XX/XXXX at the XXXX XXXX XXXX, where I was given the contact information to XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX. I made two calls to XXXXXXXX XXXX XXXX. During the first call, I have informed XXXX at XXXX XXXX XXXX was instructed on how to approve a car rental through XXXX based on the extenuating services the manager would assist. I was told no case number could be provided because all rentals are handled on the dealership level. Following this call, I immediately texted the manager, XXXX, about this encounter and called XXXX XXXX XXXX and asked to speak to XXXX. I was informed there were no employees with that name. 

I again called XXXX Customer Service and was informed there was no record of my previous call. The representative attempted to contact XXXX XXXX XXXX and stated they could not reach anyone. I also called the XXXX XXXX XXXX XXXX XXXX and was instructed to file an online complaint. 


I would also like to make it known I am a Registered Nurse and frontline worker and must travel from XXXX XXXX to XXXX to work, at least 40 miles one way. This hardship has created tension at my workplace because I can not take any time off due to the pandemic. There is also tension in my relationships as I beg for rides and provide them cash, increasing my debts. Since it has been almost three months with no anticipated end date due to the needed transmission module, the suitable option would be Navy Federal releasing me from this loan with no debt owed.
Product: Debt collection

THIS IS A FOLLOW UP COMPLAINT! Southwest credit systems MUST remove this collection from my credit report because XXXX has spelled my name INCORRECTLY and anything that is reported on my credit report must be 100 % correct and mine. If you Look up my previous compliant attached is a screenshot from a old bill from XXXX and you can see that my name XXXX XXXX XXXX is spelled incorrectly. XXXX has it spelled as XXXX which is wrong. How is that PROPER verification if you do not have the right spelling. Thats a direct violation of the FCRA and must be removed from my credit report immediately.
Product: Debt collection

I had a debt with XXXX I had been paying. I had a car accident and became temporally XXXX with a XXXX and was off work for a long time. I finally got back on my feet but have some medical issues with some things that I need help with still. XXXX sold my debt to XXXX who I had been paying until I could no longer. Then they got Weber and Oclese to recover a large amount from me. I started paying on the debt in XXXX 2015 again. I asked them to accept what I could pay and I would try and pay them often until the debt was paid. They kept telling me to call. I did not wish to call because I need everything in writing. I continued to pay, and got a receipt from them thanking me for a payment of {$25.00}, {$100.00}, {$32.00}, {$12.00} payments starting in XXXX with an explanation BUT THEY STILL CONTINUED TO serve me with a summons. I kept paying and kept asking them to drop it and work with me on a plan. They ignored my requests after I told them that I could not pay a large amount and even though I was paying, they proceeded with got a garnishment with my local court and theirs to now lock onto my tax return even though I paid the debt in full! Now they say I owe them {$480.00}! 

The date of the first summons was XXXX. I had started in XXXX paying on this debt.I have submitted several receipts and continually asked if they would drop a pending summons of wage garnishment because I had been injured in an auto accident and was trying to get back on my feet. I have since found several medical problems from my injuries. I have other bills to pay but had also been trying to pay them. The requests went ignored and they kept telling me to call. Since I had a XXXX in the accident I got help with figuring out my finances. I could not call them because I get confused easily so my father had filed a complaint. It went ignored and they accused my father and mother of filing the complaint. They proceeded with a garnishment not only of my tax return but a judgement ruining my credit, even though I was paying on and paid it IN FULL OF {$440.00}. now say I owe them $ XXXX only had the {$440.00} and that is all it said on the website to pay.
Product: Money transfer, virtual currency, or money service

I recently ordered some boots ( XXXX boots, theyre great ) and after they arrived I had to return them. 

Id paid for the boots using paypal pay-in-four and the boots were paid in full months ago. 

Upon returning the boots, the credit for the purchase went back to my PayPal account and when I went to transfer the funds to my bank account, there was a notice on my PayPal app that said that theyd determined my account was risky and had permanently shut it down - not allowing me to transfer the funds to my bank account. 

I called them to see how I could get the funds transferred to my bank account. They said that they are holding my money for six months and theyll contact me in XXXX with instructions for how to get the money out of my account. Huh? No idea. 

They said this is in the fine print of their disclosures ( lengthy and confusing fine print ), and that they have the right to hold my money for six months. Its abusive. Its not right. 

Ive been a PayPal customer with this same account for many years. To my knowledge theres never been anything Ive done to cause this account shut-down and to cause them to hold my funds XXXX. They would not give me any information, and treated me like Id done something wrong. Im at a loss. 

I asked if I could escalate my case for resolution and a rep in their Limitations Dept said their decision was final and that there was no other option than to wait until XXXX to get my money back. Theyd never contacted me. Theyd never said anything. Just a final verdict, no recourse, and theyre holding my money. How can they legally just take my money? 

When I asked him why theyd want to turn off my account and lose a customer he told me We ban people every day. 

Banning customers with a solid usage history and lots of potential future value seems like a bad business practice, but not allowing people to transfer their money from their PayPal account to their bank account seems like it warrants an investigation. Is that even legal?
Product: Debt collection

There was no Good faith efforts to establish live contact with a borrower generally consist of reasonable steps, under the circumstances, to reach a borrower. 
There were numerous Servicers/Debt Collectors, starting with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX West Coast Servicing XXXX and without any written notice, now XXXX XXXX XXXX. 
The truth is the 6-year statue to file a foreclosure in New York State XXXX had legally expired. Only the Judge in this case granted the Plaintiff 3-extensions altogether to file this expired foreclosure. 

The extraordinary financial costs added additional filing fees 3-times, additional lawyer fees, additional interest fees, and additional lates charges, which all of these additional foreclosure costs, were unfairly accumulated at the expense of me, the homeowner. 
The Judge without my knowledge, at the request of Servicers, the Judge appointed/installed a Guardian Litam, who accepted Service, and then a foreclosure judgement was entered by default. The Guardian Ad Litam was inappropriate, and unauthorized, and to the complete benefit of the Plaintiff, which tilted everything in the favor of the Debt Collector/Attorney 's. 

The results of the Judge inserting the Law Guardian was epic, inappropriate with negative consequences to the homeowner ( s ) and it was legally improper! I am not impaired, incapacitated, or in the military. This appointment was improper
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received notification from XXXX that a collections account was added to my report called XXXX XXXX XXXX XXXX. My score decreased by XXXX pts due to this. I contacted the collection agency and they basically gave me information that was incorrect. Also, dates of a payday loan I never had or heard of as well as a debt before I was even XXXX years of age. Also, I heard loud XXXX music in the background. Would not give me any information as to his name, XXXX, XXXX information. He also stated that he was the XXXX and that information was irrelevant then proceeded to hang up in my face. Phone Number I called was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax drop my score 75 points for no reason after starting a reed investigation for no reason. XXXX  continues to post the XXXX XXXX   account on my report as Equifax has.
Product: Mortgage

We were preapproved for a refinance for our home through Amerisave. Address of the home in question is XXXX XXXX XXXX XXXX, XXXX AZ XXXX. While we were still in the middle of the refi process ( gathering documentation ), our home originator XXXX XXXX on XX/XX/2021 pressured me to pay a {$500.00} application fee which he explained was non refundable. I paid this with my credit card under pressure and kind of had an uneasy feeling about doing so. As soon as that application fee was processed, Mr XXXX ceased contact with us ( other than form emails ). In the form emails he kept asking for financial info which we had long ago provided. I called him and left numerous voice messages and numerous emails. I have not received a single response from Mr . XXXX. I believe he is committing fraud by keeping my money and refusing to communicate with me XXXX XXXX NMLS ID # XXXX Amerisave Mortgage Corporation NMLS ID # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit card or prepaid card

this bank chg a interest fee on amt due XX/XX/XXXX, the whole amt was paid on that date, new bill for XXXX show a interest of XXXX and chg
Product: Mortgage

I have been in constant contact with my Lender regarding my VA 1st Lien Mortgage since last XX/XX/2018. When my Mother passed away I had to help cover the burial and funeral expenses since no one else in my family was financially sound. I tried several times to be proactive and ask if I could defer a payment or two to the back end of the loan to help pay for the funeral and not deplete my 401k, they would not do anything because I was not delinquent. 
I had a XXXX XXXX XXXX this past XX/XX/2018 and was ONLY receiving XXXX and it wasnt enough to cover the mortgage or living expenses. I had XXXX XXXX drain my retirement, checking, savings, childs college funds, just to try and stay current on the mortgage. But with no luck I fell behind and made several calls ahead of the 30 day late mark and I kept getting trashered to different departments and every single person told me the same thing. Watch the video on the homepage and then call us back, so I watch the video regarding hardships and the documents needed to upload so I call them back and they transfer me again several times just to tell me I need to upload XXXX paystubs and an expense report. At this time already having a 30 day late the representative told me there are no options available for me since I am only 1 month behind and foreclosure process does not start until Months 4-6. I dont want to get that far behind and have a NOD filed it the foreclosure proceedings started. 

As a veteran of XXXX XXXX I would think for sure I would qualify for some type of assistance or relief. Im not asking for a bail out or to rearrange everything I am Just looking for a little help with maybe a deferment in payments now that I am back to work so I can get caught up and maintain my mortgage to save my families house and a roof over my childrens heads. 

I can eat sleep focus and the stress and mental anguish is becoming to much to deal with especially when the CONSISTENTLY call me for a payment already knowing the situation. In over 3 years I have never missed a mortgage payment until last month. I work my XXXX off and have served my Country selflessly. I cant believe there is no help or hope available for me and my family.
Product: Debt collection

Subject : Urgent Request for Removal of False Medical Debt Due identity theft. 

I am writing to formally dispute a false medical debt of ( {$1500.00} ) that has been wrongfully applied to my credit report and profile. This debt is inaccurately associated with my name as a result of identity theft, and I am not responsible for this obligation. 

This situation constitutes a violation of my consumer and credit rights, and it poses a significant risk to my credit score and financial reputation. I kindly request the immediate removal of this erroneous debt from my credit report to ensure that it does not adversely affect my creditworthiness. 

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

Sincerely, XXXX XXXX
Product: Mortgage

I filed for Bankruptcy protection ( chapter XXXX ) in XX/XX/XXXX during the whole process I was in contact with my mortgage company trying to get a loan modification, because I wanted to keep my house. In XX/XX/XXXX I started to make the trial payments for the loan modification. I was required to make 3 months payments on time which I have done. On XXXX XXXX, 2016 I received all the paper work for the modification. I was told by XXXX XXXX I was behind in my mortgage payments by XXXX dollars and If I wanted to be current and up to date I needed to sign the modification papers, after reviewing the agreement, I learned that they wanted to add 20 years to my mortgage. At 5.8 %. that is over XXXX dollars for a debt of XXXX. I contacted my bankruptcy lawyer and learned that the XXXX dollar rears was added to my bankruptcy and I was already paying that back. The agreement that they sent me added not only 20 years to my mortgage but also XXXX dollars to my principle? I asked XXXX XXXX what that was for and she could not tell me, she stated it was what I owed in rears but they didi n't want to go to XXXX so they did n't add everything. As a widow I really think they were hoping I would just sign the paperwork and not ask any questions. I also asked XXXX XXXX how they came up with adding 20 years for a XXXX debt and she claimed she messaged the underwriter and would get back to me as soon as she heard from them. I called twice today and left messages but have not heard anything.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXXXX
Product: Student loan

I've been trying to pay my loan off ahead of time. Every month I add {$100.00} to the amount due, which is supposed to be {$280.00}. The overage was credited against the principal of the loan. This worked very well until XX/XX/XXXX. 

That's when a change was made between MOHELA and Studentaid.gov. I'm still not entirely clear on what that change was. But since then, when I add the {$100.00} to each payment, and include a message to MOHELA using their in-house email, " Apply the overage against principal of my loan, '' -- instead they apply the overage against the next payment.

So I arrive at MOHELA to make my payment and it'll say " Amount due : {$180.00}. '' I spent *hours* on the phone with them after last month 's payment. I began around XXXX XXXX and wasn't finished until after XXXX XXXX  ET. Their phone service is arduous to get through. I was handed off to 3 different staff members.

The last MOHELA staff member I spoke with, I was told, was a supervisor who had the authority to handle this issue. She asked me to email her office directly with the request that all overage be applied against principal, using her name in the subjectline I believe. I did this.

Last week I received a notice from MOHELA about the upcoming payment due. It appears below : -- -- -- -- -- -- -- -- -- -- -- -- -- - Your Student Loan Payment is Due : XX/XX/XXXX Current Due : {$100.00} Past Due : {$0.00} Total Due : {$100.00} -- -- -- -- -- -- -- -- -- -- -- -- -- Please help. Thank you- XXXX XXXX
Product: Credit reporting or other personal consumer reports

These companies pulled my credit report without my authorization, and its had a direct impact on my credit score. I reached out to Equifax, and although a representative promised these fraudulent inquiries would be removed, they are still present. This situation is deeply concerning, as Im now worried about potential identity theft. Beyond the stress of dealing with these inaccuracies, the damage to my credit score is affecting my financial options, limiting my ability to get approved for loans or credit, and adding even more pressure to my life.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the
reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

In XXXX or XXXX of 2023 I had contacted navient to express my confusion after submitting an application for that save plan. I have two loan servicers and per the studentaid.gov web page this is all I needed to do, which I did and after contacting navient I was informed that I did not process anything through them. Specifically. I let them know a month or XXXX prior. I applied for the safe plan and was approved and at this moment I have XXXX dollars to pay per month towards my loans. They have affected my credit and I was informed that in appeal letter would be submitted for the correction which was never done. As of now I am still delinquent and my credit report has gone down by approximately XXXX points due to their negligence. If studentaid.gov is a one-stop shop for all loan servicers, I'm not sure why navient does not follow the same rules. This seems to be very harassing due to all the phone calls and emails I receive and it definitely increases stress and XXXX  due to the fact of how they are affecting me when I followed everything I was supposed to on the XXXX application.
Product: Payday loan, title loan, personal loan, or advance loan

This loan was taken out in XXXX. I lost my job and could not pay it has been on my credit for over nine ( 9 ) year. I disputed the loan with the original creditor Marine Financial after XXXX years the company sold it to a collection agency XXXX XXXX XXXX who is now saying that this was open in XXXX, which is not true! this was open in XXXX. I do not owe this collection agency any money they have nothing with my signature stating that I borrowed any money from them. This was removed from my XXXX but remains on XXXX.
Product: Debt collection

So I working at a XXXX XXXX in XXXX and I had two gentleman come in and were talking about a promotion that XXXX XXXX was having. This Was about two years ago back in ( 2018 ) .So I was unsure about the promotion and the gentleman reassured me that for any reasons that I could sent the phones back with no charge. They also told me that they would not charge me if I turned my phone on and used it .Just to see what we thought.So we final got the phone 's in after being delivered to the wrong place and we turned them on and use very little data. So I decided to just send back the phones and I called XXXX  and they were ok with that. Then shortly after that I received a bill and I called them and they told me a different story. I was upset that they lied and did not disclose this information to me. So this bill went into collections and I did just pay it but I asked the collections agency if they could please delete this from my credit because this was hurting my credit and the opportunity to buy a home. can you please help me with this please.