23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I obtained a predatory loan ( triple digit APR ) through Carma Enterprises / Las Vegas Finance. In XX/XX/XXXX my son of XXXX was accused of being involved in a crime. The allegation were very serious and could not be taken lightly. His defense is costing us {$10000.00} of which we paid {$2500.00} upfront and making payments of {$1000.00} a month. I contacted Carma/LV Finance today to notify them of my reason for being past due, and of my intentions of paying off the loan, or getting back on track within the next few weeks ( {$180.00} pastdue balance,2 biweekly payments ). since going past due for the first time as a customer on my payment 2 weeks ago, I have received a copious amount of collection calls on my cell and at work. Some days receiving up to two calls a day at work. Today I advised the manager that I can not receive calls at work, especially with such aggressive tactics and disregard of business operations. The manager advised me that he " did n't care if the calls cost you your job. you 're not paying me, so why should I care ''. I again tried advising the manager of my intent to pay and reminded him of my basic rights under the FDCPA, and TCPA, of which he gave no regard, and became irate, threatening to ruin my credit. 

This is predatory, and highly vindictive behavior that I will not subject myself too. Their exuberant triple digit apr and unreasonable attempt at resolution is dangerous to consumers. I can only imagine the extent of their collection practices, and threats used against other customers who are n't versed in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of inaccurate and conflicting information reported on my credit report by Mercedes-Benz Financial . Their misreporting violates federal law and has caused unnecessary harm to my creditworthiness. 

Mercedes-Benz Financial initially reported a charge-off on my account, then subsequently updated the information to state I was 90 days late instead. Both can not simultaneously be true, and this inconsistent and misleading reporting constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the FCRA, furnishers of information are legally required to ensure accuracy in the information they report : 1. Accuracy of Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : Furnishers may not provide information to credit bureaus if they know or have reasonable cause to believe it is inaccurate.

2. Duty to Correct and Update ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) : Furnishers must promptly correct and update inaccurate information.

Mercedes-Benz Financial has failed to comply with these legal obligations by reporting conflicting and inaccurate information. Their actions not only misrepresent the status of my account but also damage my credit score and financial reputation.

I demand the following : 1. Mercedes-Benz Financial immediately removes the inaccurate charge-off and 90-day late payment information from my credit report.

2. A corrected and accurate credit report is issued and provided to me.

If these demands are not met, I will have no choice but to escalate this matter by pursuing all available legal remedies, including filing complaints with the Federal Trade Commission and considering legal action for damages caused by this negligent reporting. 

I have attached all relevant documentation, including credit report entries and correspondence, to support my claim. I trust the CFPB will act swiftly to address this matter and ensure my rights under the FCRA are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote directly to the US BANKRUPTCY bank in XXXX  GA & was advised they did not report or furnish info to ANY BUREAU .. I then wrote XXXX XXXX regarding the issue & today XX/XX/21 I confirmed they have removed all bankruptcies from my file .. your report individually states you fraudulently obtained & published by your bureau. 
1. XXXX XXXX stole the info and didn't have a permisseable purpose to report it. pursuant to 1681b. ( 2 ) REMOVE MY STOLEN INFO REGARDING BANKRUPTCIES from your file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a collection agency used by XXXX, after multiple attempts to correct this problem with both companies it still appears on all of the Credit Bureaus as an account opened in XX/XX/XXXX when this account was closed in XX/XX/XXXX. This is a re-aged debt which is illegal under the FRCA.
Product: Debt collection

On XXXX XXXX, XXXX I received an initial phone call from Credit Management of XXXX, TX regarding a debt that I was unaware of. I was told that information would be received by mail and on XXXX XXXX I did receive a letter of notice. No details were included and as such I submitted a request by mail ( received on XXXX XXXX ) for verification of that debt. 

I have not yet received that verification however their phone calls and attempt at collecting resumed again today, XXXX XXXX, XXXX.
Product: Mortgage

We have money in Escrow to pay our property taxes which were due at the end of XX/XX/XXXX. Today is XX/XX/XXXX, and they still have not been paid and have already accrued two months of late fees.

Our lender did not ever contact us to know that the bill was due and had never been paid. We did not know until we were contacted by our builder that our taxes had not been paid. We have called and sent letters to our lender from our builder, but nothing has been done.
Product: Credit card or prepaid card

Ive been with capital one for two years, I have a secure card and they refuse to make it unsecured, I pay my bills on time and my credit report has no balances or over the limit all my cards are paid in full, and they refuse to give me the quick sliver card. Its unfair to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint previously complaint number XXXX Credit Acceptance stated `` We added you to our COVID Protected Status in XX/XX/2020 but unfortunately, our review of your account indicates that although you continued to be impacted by the pandemic, your account was inadvertently removed from our COVID Protected Status in XX/XX/2020. I apologize for this missed opportunity to better serve you. To make this right, we will do the following : XXXX ) We have asked our credit reporting team members to update how we report your account to the credit bureaus by changing your payment history for XX/XX/2020 through present to reflect a D ( no data ), which is consistent with how your payment history would have reflected had kept your account in our COVID Protected Status as indicated above. Please allow up to 30 days to see these changes reflected on your credit report. 2 ) We will add your account to our COVID Protected Status on a going forward basis. We apologize for any inconvenience or frustration this missed opportunity caused you, and we again thank you for being a XXXX XXXX customer. It is our sincere hope that we have addressed your concerns. If you have any additional questions regarding your account, please contact XXXX directly at XXXX. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has negatively affected my credit score for over 2 years now it has been hard to get approved for anything with so many late payments including a place of my own. Currently I am living with a family member, and this is a state of emergency in regard to not being able to establish proper living quarters because of my payment history on XXXX, XXXX and Experian. Experian needs to update my credit report immediately as it is unfair, unjust and inaccurate. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Federal Credit Control reporting agency has been illegally been harassing me over the years. Providing false statements to the credit bureaus. In addition reporting a {$3000.00} bill on my credit report for a XXXX XXXX. I never owed {$3000.00} and never went back to him. I gave him XXXX in cash. And the dental work failed. I was told to eat what I wanted to eat and then part of the crown partial snapped and I ended up getting XXXX more bottom teeth extracted. In addition, he told me to come back in and his financial person refused to let me come back in for him to correct the error of the dental work. So, the dental work I paid for failed and they refused to fix it. This has been over five years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 someone opened a fraudulent XXXX credit card in my name with a {$4000.00} limit. They spent {$1300.00}. They also used a fake address and misspelled my first name ( both of which I was able to remove from my credit report ). 

I filed an Identify Theft Report in XX/XX/2018, and have been trying to get this account removed from my name for 3 years. Equifax is still showing it on my credit report because XXXX still says that it was my card... even though it was not. I have disputed at least 5 times, and nothing has been resolved. Most recently the account was " charged off '' but still shows as a closed account, with late payments and an outstanding balance. 

This is incredibly frustrating, and totally unacceptable.
Product: Student loan

Hello, Navient has continued to call and harass me asking for my son 's contact information. They have all the information I have. I have called and asked them to stop. I sent a certified letter demanding they stop contacting me. I filed a complaint with the CFPB, and as you can see in their response below they stated they would stop calling me unless it was in regard to co-signed loans. They have now contacted me twice since the attempts to reach me noted in their response, once on my home phone and once on my cell phone regarding my son. They were not calling about co-signed loans as I ensure they are current. I believe legal action is required at this point. 

" This is their response where they stated they would stop calling, a promise they have also made over the phone. We reviewed your concerns raised to the CFPB and attempted to reach you on XXXX XXXX and XXXX XXXX, 2016 to discuss these concerns in more detail. Unfortunately, our attempts were unsuccessful and we have n't received a response to our outreach. 

While we were n't able to talk with you directly, we can share that our review of your account determined that you are the cosigner of a Private Tuition Answer Student Loan and XXXX Private Signature Student Loans for XXXX XXXX XXXX. These loans are current. 
You are also listed as a reference on additional private loans that XXXX XXXX has with us. For this reason, we were contacting you regarding XXXX XXXX 's account. We have updated our system so that you are only contacted regarding the loans that you cosigned for XXXX XXXX. 

Thank you for sharing your experience with us. We apologize on behalf of Navient for any inconvenience this may have caused you. We strive to continuously provide excellent service to all our valued customers, and your feedback will help us reach that goal. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX XXXX XXXX auto loan which reported a 30 days late payment. XXXX XXXX XXXXXXXX near sent a letter stating I was late or the account was possibly in default. XXXX XXXX XXXXXXXX finally sent the letter 90 days later at which time I made sure the account was fully paid.
Product: Checking or savings account

XXXX did not credit my XXXX direct deposit for social security and XXXX to my account on the correct days. Since sending a copy of XX/XX/2021 prior to this complaint. I highlighted the date of XX/XX/2021 It now reflects credit dated XX/XX/2021. Proving there has been changes to my past records. In 2021 my social security differs from the Government disbursement dates. These dates are according to there statements listed today on line. 

LIST AS FOLLOWS. YEAR 2021. 

XX/XX/2021. XX/XX/2021. XX/XX/2021. XX/XX/2021. 
XX/XX/2021. 
These are reflected as current dates my Social security was credited to my account. These were not the days I received my check according to Social security Disability. 

I know these dates are not true because I rely on my social security every month to pay bills. I would have not have waited until the middle of the month. My account has been compromised incomplete statement dates, changing of credits and amounts, entire days removed from my checking account. Payments from XX/XX/2021 that was transferred from my checking to my savings account was posted as a payment to my mortgage account. I transferred XXXX to save toward the total balance that was paid off in XX/XX/2021.
Product: Student loan

I requested a complete accounting of my loans on XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX... XX/XX/XXXX and XX/XX/XXXX. 

To date XXXX ( now aidvantage ) has either : 1 ) never sent me any documents I requested, or 2 ) sent me inaccurate documents, which typically result in one loan instead of them all. 

Additionally, each of these calls I was provided conflicting answers as to the status and payment plan for my loan. I was told that I am either : 1 ) not on an XXXX plan, or 2 ) I'm on a XXXX plan, or 3 ) I'm on a XXXX plan but it is inactive, or 4 ) I'm on 10 years standard plan Despite over 12 hours of phone time which is documented on my end with great detail, I am still unable to obtain timely or accurate information related to my loans. Specifically, it is not clear at all to me what payment plan I am on and how the payment amount is calculated. 

I am considering a lawsuit. I am also going to file with the FTC for privacy consent violations related to automated dialing, non-consentual recording of conversations, and other privacy violations. 

I would appreciate someone at aidvantage to expedite my request for a complete and accurate accounting of my loans to be sent certified mail so we can all track when and where it goes ( they claim these have been sent but they were never received - I have not moved either ). 

I would also appreciate it aidvantage can actually tell me what plan I was on, when I was notified of the switch ( by providing the he correspondence they sent me ) and how that payment is calculated under the terms of the plan I am ( for which I am not clear... Still ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account XXXX XXXX Account Name : XXXXXXXX XXXX Account XXXX XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Vehicle loan or lease

This charge off has been reporting a late payment which is again against FCRA regulation. This is a violation and should not have been reporting for this long the late payment. And according to 15 usc 1681a ( 2 ) ( 1 ) late payments are illegal according to this law and under exclusions. Charge off is considered to be written off as a loss and considered when filing taxes as to be taxable income and should not be used and against the law to use in credit reporting and I have tried to fix this with the XXXX and with CFPB as well and they still have not corrected my report. And past reporting to credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act the list of accounts below violate my federally protected consumer rights. 
XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A stated that I have the right to privacy 15 U.S C 1681 section 604A Section 2 states that if a consumer reporting agency can not furnish a account without my written instruction.

15 USC section 1681 a5 states that no consumer agency reporting my report any adverse items shall not report on my credit report for more seven years.
Product: Money transfer, virtual currency, or money service

I received a fraudulent text warning me that someone tried to use my debit card for {$490.00} at XXXX. I responded to the text NO that I hadnt tried to purchase anything. I received a call from Chime ( Chimes phone number ) and the guy identified himself as the fraud dept. He told me that my card and accounts had been hacked. He said the scammer had just as much access to my money as I did. He assured me that he had put a freeze on my accounts for 24 hours and he would work to help me get everything worked out. He advised that because the scammer had access to my mobile banking, I should close out my checking and savings accounts. He said he would open new accounts for me and I could transfer the money to them and I could change my password and I would be protected. He set up the new account, gave me the account number and told me to transfer the funds. I did- only the full amount wouldnt go through so I only did half. When I tried to send the second half, I kept getting an error message ( thankfully ). I contacted the bank the next day and they said it was a scam and they hadnt called me. They advised that I file a dispute to recover my funds. I did and they came back with a final decision that it wasnt fraud. Chime told me I needed to reauthenticate my account and they asked permission to send me a code via text to which I said yes. I received a text from chime which read Chime will NEVER ask you for this code. DONT share it. The code you requested is XXXX. Didnt request it? Call XXXX. ( The same number that called me the day before ) The Chime rep asked for the code. I told the Chime rep that I wasnt giving her the code bc the text clearly says that Chime will never ask for it. She said this is our process. I told her clearly I had been scammed the day before and I wasnt taking my chances. Chime makes it very hard to decipher who is legit and who isnt. ( The number the money was sent to was the new account number I was given. )
Product: Credit card or prepaid card

Bank of America deleted my payment profile on the account and told me I needed to set up a Bank of America Checking account. When I tried to reset up my regular payment method I got the same message saying I needed to set up a Bank of America account to pay. Isn't this an anti trust violation? I was about to be late with my bill and they are coercing me to try to get other business from me I do not want with them to avoid ending up with a late payment.
Product: Debt collection

On XX/XX/XXXX a debt validation letter was mailed to Security credit services for a debt collection from XXXX XXXX for a debt from XXXX however on my credit report they have the debt as opened in XX/XX/XXXX. They have illegally reaged my debt and have not submitted the validation requested ( contract ) of this debt which is effecting negatively on my credit report.
Product: Debt collection

My account with the bank was overdrawn, how? Do not know because my pay was directly deposited by weekly. After, I was XXXX I was told that my account was overdrawnat that time I called the bank ( XXXX XXXX ) right away. I told then it wasnt me as Im no longer in the country and to put a fraud alert on the account. and requested a copy of a reconcile statement. It was never done nevertheless, I thought the matter was over my federal and stimulus check was never received because it went directly to the bank account. years later I get to find out I have 2 collection account. ; ; I believe someone committed fraud against my name, and the bank did nothing to resolve that I did not receive the reconcile statement had no idea my account was placed for collections.
Product: Credit reporting or other personal consumer reports

I have been trying to get this 30 day late removed for months. I have been communicating with XXXX, XXXX, and Experian. I have sent letters, called, and done everything they asked. I have not been helped. Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. This is aggravated identity theft according to 18 U.S. Code 1028A!!!!
Product: Credit card or prepaid card

I have a credit card with Capital One bank. I received a promotional offer XX/XX/2022 for a 0 % rate for 12 months. I agreed to these terms via capital one 's mobile app. 
When i made a large purchase XX/XX/2022 I knew i had 12 months to pay back the purchase. 
Capital one recently charged me two months of interest for XXXX and XXXX statements. When i questioned them they noted to me the promotional terms ended in 9 months. I advised that was incorrect, they asked me if i had proof of my promotion. I said " No '' but i would like a copy of my promotional terms from XXXX  emailed to me, in which the customer service agent said they cant provide that. 
I would like my 2 months of interest returned or at minimum a copy of the promotional terms i agreed to. Thank you.
Product: Checking or savings account

I want to know if Wells Fargo owes me any money for incorrectly charging me fees on my checking account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX I have several items on my credit report that are not mine. I noticed it because I recently applied for an apartment and I was denied so it prompt me to check my credit report. I have reached out to the FTC and to my local police department. These items listed are not mine and need to be deleted from my credit report. I am doing this on my own behalf. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX, Inquiries : XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX