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

XX/XX/XXXX I have been trying to resolve this issue for two years. I called today to try and get XXXX XXXX to send me anew pay off date and amount also. I purchase a XXXX lexus in XX/XX/XXXX. I got a maintance plan and decided it was not worth the money. So instead of sending the money to me, XXXX XXXX sent {$2900.00} applied the money to my account. I wanted the money sent to me so I could do what I wanted with almost {$3000.00}. My car origial pay off date is XX/XX/XXXX. Well, today, I called and it is still XX/XX/XXXX. I told yhe customer service person my payy date should be in XX/XX/XXXX if the {$2900.00} was applied to my account. I could not get any help. The XXXX XXXX has taken my Refud and not applied to my balance at all. I been calling them for two years asking for my new payo date in writing and nothing has change. They are trying to steal that {$2900.00} from me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I talked to XXXX XXXX XXXX who purchased the debt from Barclays. I did a pay to delete to resolve the account. The account is paid in full. I was promised and given a letter that the account and the Barclays account would be deleted from my credit and no longer appear as a negative mark since I paid in full. It has been over two months and they have not removed it from my credit. I have talked to them on the phone and they have stated that it should have been removed. The negative remark on my credit still shows. 


This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 

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 BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance in resolving this account. Your current balance on this account is $ XXXX. Please retain this letter as proof your account has been settled. 

Your account will be considered paid-in-full for less than the full balance after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our companys tradeline related to your account from your credit bureau report. XXXX XXXX XXXX, XXXX can not control how fast the credit reporting agencies process requests. 

*Balance and/or payment information assumes that your payment is not reversed as a result of having any checks returned to us or as a result of you having directed us to apply payment to another account. 

If you have any questions, or need any further information, please call us at XXXX. Our hours of operation are Mon. to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for resolving this account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX Representative
Product: Vehicle loan or lease

My contract has a specific tax to be added to my monthly lease payments of {$30.00}. The Hyundai Motor finance decided to change it to {$35.00} that is different from what I have in the contract that I signed at the time I leased the car. I contacted the financial institution and I was told to take my issues with the sales assessor office and that it is not their fault. I should not be charge anything different than what it is on my contract. It never happened to me in over 30 year and in over 10 car transactions to be sign a contract at leasing for x and when my first payment came to be asked to pay a different amount. What Hyundai Motor Finance is doing is deceiving and is asking for overall {$160.00} more in payments for the durations of my lease.
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 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 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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

As the debtor, I am asserting my rights pursuant to 16 CFR 433.2, and it has come to my attention that there has been unauthorized administration of the XXXX XXXX for alleged account # XXXX. PORTFOLIO RECOVERY ASSOCIATES Third Party Debt Collector has abandoned claims alleging that they have authority of this Executor Office to administrate for the XXXX XXXX. I believe this to be being done fraudulently. I have received no written evidences of such delegated authority to represent that the office of the registered agent and PORTFOLIO RECOVERY ASSOCIATES is authorized to administrate ( acting trustee ) on the XXXX XXXX ; together with a certified copy of signatures contract between the office of the registered agent and XXXX XXXX, the registered agent and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, resulting in aggravated identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for proper jurisdiction. Consumer pursuant to 15 usc 1692a ( 3 ), I am disputing this debt and ALL claims in accordance of 16 CFR 433.2, 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC articles that should apply.
Product: Vehicle loan or lease

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with CREDITACPT. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments and charge-off from these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am making this complaint without any assistance of a third party. In XXXX and XXXX of XXXX and XXXX of XXXX I asked Transunion to conduct an investigation on each negative item on my credit report that I did not recognize. I did this for the purpose so that I could have enough information to validate these alleged debts. However, in spite of repeated requests for information with regards to their method of investigation and verification the inaccurate, invalid, and discrepant items remain without any explanation of their having been investigated. I am within my rights to demand an investigation and for them to give me the details of said investigation which they continually ignore. I now want a copy of my credit file along with their investigations of all negatively reporting items that appear in my credit file.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 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 XXXXXXXX XXXX XXXXXX/XX/XXXX I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Nation Star Mortgage payment electronically debited from my checking account without my consent. XXXX {$1600.00} was debited from my account and on XXXX {$1600.00}. This resulted in XXXX mortgage payments within same billing cycle. I called on XXXX requesting funds to be returned in the amount of {$1600.00}. I was instructed to fax statement showing funds were debited from my account ; I did. I was promise the funds would be wired ; they were not. I called XXXX I was advised they needed to XXXX way call my bank to verify funds were debited from my account ; we did verify funds were debited from my account. Agent XXXX, ID # XXXX promised to deliver a check via XXXX and provided a tracking #, XXXX. On XXXX called XXXX to discovered this was an invalid tracking number. I called Nation Star and I was placed on hold then hungup on after waiting XXXX mins. I called back to discover that no check had been delivered. Supervisor/Agent XXXX, XXXX ID XXXX advised that the funds would be returned to my bank account ( same accounts were paid from ). I was advised that since I was filing a CFPB complaint the call needed to be escalated to higher member of management. XXXX, XXXX ID # XXXX assured that {$1600.00} would be reversed and back into my account by the morning of XXXX. XXXX provided a ref #, XXXX. I also disputed the amount of the loan when it was transferred from XXXX XXXX XXXX. Nation Star has refused to assist me with this process. They deflect the responsibility back on XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I requested my FULL disclosure file and only received a credit report
Product: Mortgage

Dear Consumer Protection Division Ditech will not acknowledge receipt of my complete borrower 's assistance application received on XX/XX/2016 in their Loss Mitigation division in XXXX, AZ. 
Ditech Financial is generating statements claiming that my loan became delinquent on dates that are not true since they took over my loan in XX/XX/2016. I keep showing them proof of payment. 
Ditech is not posting payments on the day it was received. 
The statement dated XX/XX/2016 was received XX/XX/2016 and the statement dated XX/XX/2016 was received on XX/XX/2016. 
The statement dated XX/XX/2016 inaccurately states XXXX payments were missing. 
Check number XXXX for {$1100.00} was received XX/XX/2016 and cashed XX/XX/2016. Yet, Ditech held posting the payment until XX/XX/2016. 
Since Ditech likes to call payments not received on the XXXX of the month as missing payments. 
Ditech will not apply my additional principal to the principal and is putting them in a funds in suspense account. 
Enclosed the tracking information for my XX/XX/XXXX payment received XX/XX/2016 and the borrower 's assistance application which was received XX/XX/2016. Returned checks for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 statements. Copy of check # and XX/XX/2016 statement stub for XX/XX/2016. A copy of the letter with borrower 's assistance application showing all the documents needed to process the application were submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries in my credit report that is fraudulent.
Product: Credit card

I am writing to formally lodge a complaint against the Big Lots Comenity Credit Card, issued by Comenity Bank. I believe that I am being charged illegal fees and that the practices employed by Comenity Bank in their attempts to collect funds from me are abusive and in violation of consumer protection laws.

Specifically, I have noticed fees that seem excessive and possibly unlawful under state and federal regulations. I believe that these fees, coupled with the high-interest rates, may constitute usury. Additionally, the manner in which the bank has attempted to collect these funds has been aggressive and distressing, further compounding my belief that their actions are not in line with fair business practices. 

I kindly request that the CFPB thoroughly investigate this matter to determine if Comenity Bank has violated any laws in their administration of this credit card, particularly with respect to their fee structure and collection methods. I believe that their actions may be harming other consumers as well, and I urge the CFPB to take appropriate action to address these issues.

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution of this complaint. 

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

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my credit report and its saying my credit report down, I dont recognize these charges In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Student loan

I am reaching out to address a matter that weighs heavily on my mind and requires urgent attention. After dedicating XXXX  years of my life XXXX XXXXXXXX XXXX XXXX XXXXn, I am deeply disheartened by the fact that my student loans have not been forgiven when the laws is clear and says 10 years of service. It is distressing to see that organizations like Mohela are taking advantage of individuals like myself who are underserved. 

I am left with no choice but to request the forgiveness of my student loans. As the wife of an XXXX veteran, I am considering taking legal action against Mohela for their failure to approve my application. During my extensive tenure at the non-profit, I have wholeheartedly committed myself to our cause, tirelessly working to positively impact the community we serve. I have personally witnessed the transformative effects our organization has had on countless individuals, and it has been an honor to be a part of this meaningful work. 

Despite my unwavering dedication and service to our mission, the burden of student loan debt continues to cast a shadow over me. The financial strain of repaying these loans poses a significant challenge, and I had hoped that my commitment to public service would make me eligible for loan forgiveness. It is my belief that individuals like myself, who have devoted their careers to serving others through non-profit work, should not be burdened with overwhelming student loan debt. Loan forgiveness for public servants is a vital incentive that plays a crucial role in attracting and retaining talented individuals within the non-profit sector. 

I humbly request your support in advocating for the forgiveness of my student loans. Such an action would not only alleviate a substantial financial burden on me but also enable me to continue my work with renewed dedication and focus. Your assistance in this matter would be deeply appreciated and would have a significant impact on both my personal and professional life. 

Thanks
Product: Mortgage

I recently read what happened with XXXX. I don't expect to get anything from them as they stole our house back in XXXX. I assume the statute of limitations was up a long time ago and it never occurred to me that anything could/would ever be done to them. I do want you to know that they were pulling that kind of nefarious stuff back then as well. 

In XXXX, we had a house in XXXX XXXX, CA and our VA mortgage was through Wells Fargo. After my husband was laid off from his job, we tried to get a loan modification until we could get things straightened out. They told us that in order to help, we needed to stop making payments and that they'd then be able to help ... and that they'd tbe able to give us credit and lower our payments and we wouldn't owe back payments. So we spent the little money we did have feeding the kids and paying for gas for my husband to get to interviews. 

They strung us along for months. My husband had just started a job overseas where he would be making enough to easily pay the mortgage, and I was in constant contact with XXXX by phone. I arrived home from picking up my son from school one day only to find a foreclosure notice on the front door. I called AGAIN and they said they were " sorry '' but that there was nothing I could do except maybe a short sale if I wanted to possibly save some of our equity. However, because of all their lies, working full time and caring for XXXX kids under XXXX full time while my husband was overseas, I couldn't do a short sale in time while simultaneously packing an entire house and moving to another house. It ended up being sold in a foreclosure at about XXXX of what we owed. Had they waited another month, we could have paid back all that was owed and they knew it since we'd been talking multiple times a week. 

We did *everything* they'd asked of us at the time. Instead of helping us, they STOLE our house and made out like bandits. Additionally, we had to file bankruptcy as a result, which ended up in a cascade of awfulness, such as another bank canceling my checking, savings and my kids ' savings while I was XXXX shopping. XXXX did their best to ruin our lives.
Product: Debt collection

Company was informed to stop calling me and submit information in writing by mail in XX/XX/2023, they have continued to call at least twice a day since.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the account and information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter dated XX/XX/2022 & I am including it again. Also, the information theat some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This letter is to notify the Credit Reporting Agencies that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Under the FCRA section 605b, I am requesting that the XXXX and Equifax Credit Bureuas remove the following items completely from my File : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00}