23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX To Whom It May Concern : I noticed in the contract that was presented to me that there are violations that are not consistent with Consumer Law. According to 15 US 1662 ( b ) mixing cash with consumer credit transactions is illegal. Other findings include : False and Deceptive Forms 15 US code 1692, Write to Rescind Paperwork was never Furnished to me which violates 15 US code 1635 ( f ), Truth In Lending was never presented to me 15 US code 1601. In addition to illegal credit reporting, Driveway Financial Corporation reported 2 late payment violation of 15 US code 1681 ( a ) statuses to my consumer credit report without my consent which is a clear and concise violation of my privacy, according to 15 US 6802 ( b ) and 15 US 6804 Permissible Purpose ( XXXX XXXX XXXX XXXX  ).

I was not competent to the contract that was given to me. 15 US 1640. Another Violation which is OPT OUT 15 US 6803- Disclosure of Institution Privacy Policy and 16 CFR 433.2 Preservation of Consumers claims and defense, unfair or Deceptive Acts or Practices.

In conclusion, I made an uninformed decision on XXXX XXXX XXXX, I entered this agreement. The only evidence of a debt was null and void because I didnt understand the meaning and the agreement was not conspicuous. This fraudulent transaction needs to be removed from my credit file with all major reporting agencies including any and all third-parties. Refund me all payments made to Driveway Financial as a result to the fraudulent and deceitful nature of this contract. It is imperative that it also be noted without prejudice that punitive damages be recovered by the consumer/secured party. Compensation should be exactly what the dealership accessed me in the faulty contract with the amount of {$56000.00} with fairness and lacking integrity. 


Thank you, XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX Deposited {$8000.00} to be placed in escrow for expected XXXX and XXXX insurance payments. XXXX demolished and replaced new home expected to be finalized within weeks. Mortgage company deposited and refunded monies as XXXX failed to note XXXX  explanation that the home will revert from vacant land to a finished home within 60 days and monies should remain in escrow to pay expected insurance. New policies set to begin in XXXX. Check never received, XXXX claims XXXX  sent to property which is still in final inspection no mail going to home. Next XXXX said check was mailed to address on file in ohio. Never received. On XX/XX/XXXX supervisor said replacement check approved on XX/XX/XXXX. To me mailed to me at address on file. XXXX today still no check and {$8000.00} in premiums due. Money is lost. I have record of bank transactions. Made payment to princioal and future adavanced monthly payments at same time in XXXX Need assistance to get the funds returned in the form if payment ACH direct deposited back into bank.

Thank you
Product: Credit reporting or other personal consumer reports

I noticed I had a fraudulent account on my credit report, please delete
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit reports and noticed Fraudulent Accounts and Inquiry 's that need to be immediately DELETED and/or updated Pursuant to 15 USC 16816-2 and more specifically 15 USC 1981c-2. I did not give written instruction to ANY bureau to post my public information, NOR did i originate ANY of the listed items in question. This Constitutes Identity Theft, therefore these items need to be corrected immediately. Please DELETE the following fraudulent accounts : XXXX XXXX, XXXX XXXX. Please DELETE the following Inquiry 's : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE SEE FTC COMPIANT FOR ADDITIONAL PERSONAL INFO CHANGES. Please update my personal info, name : XXXX XXXX.
Product: Debt collection

The XXXX XXXX apartment complex at XXXX XXXX XXXX XXXX XXXX TX XXXX attempted to put a XXXX charge on my credit report and my co applicants credit report by selling the {$260.00} debt 2 times to the debt collection company. After I paid them an application fee for an apartment XX/XX/24 and was denied the next day. They sent notices that they were attempting to collect a debt that I did not owe and already paid. I called them ( XX/XX/24 ) to resolve the situation and request an investigation and they hung up on me multiple times and told me to have a good day. They kept trying to explain that there was a chargeback but that does NOT explain why the debt was sold TWO times to a collection company for {$260.00} EACH to me and my coapplicant. Im not great at math but that totals {$530.00}!!! Im appalled that they thought that that would slip our attention.
Product: Mortgage

US bank locked my mortgage rate at 3.62 percent and took {$390.00} from me to start the application process. They never checked with me to make sure what type of property I was refinancing. Now they are saying its a condo and hence the locked rate is invalid and the rate will be higher. I dont want to refinance at a rate higher than what they locked in. It was their mistake to not check on this before commuting and now backing out. The loan officers name is XXXX. She locked in my interest rate with no hesitation and now is saying it wont work. I want my money back unless US Bank honors the locked in rate.
Product: Student loan

Mohela sent both my husband and I student loan billing statements indicating that our new payments under the SAVE plan would EACH be {$1000.00} per month. 

I knew this was not right because our student loan debts are not the same amount and my understanding is that when two spouses file taxes jointly and both have student loans, the payments are prorated based on the loan amounts each spouse owes ( as it was always under XXXX ). Further, our total payments were 2 to 3 times more than the payments we had made with XXXX prior to the pandemic. 

It appeared that Mohela recalculated our payments from REPAYE to SAVE but failed to account for the fact that each of us had a spouse who also had student loans. 

On XX/XX/XXXX I called Mohela to address this and it took me three hours and several attempts to get through to a representative. Using the call back feature failed because it would go directly into my voicemail when they called back. 

When I finally spoke to a rep, they had to transfer me to someone with more experience. The second rep I spoke to told me we would both have to recertify our income. She did not confirm or deny why my and my spouse 's payments were not correct to begin with. After recertifying both of our incomes using 2022 joint tax info our payments dropped from XXXX each to approximately {$550.00} and {$650.00}. Since my payment was due XXXX they also had me put my loan into forbearance for a month since they would not be able to process the correction in time. 

I am extremely concerned about this because : A. If I did not know as much as I do about student loan repayment I may have just started making the XXXX payments without questioning it, which is extremely unfair and deceptive to consumers. Especially since my husband and I are both expecting to be eligible to receive PSLF within the next 15 months. 

B : I am seeing several posts from other borrowers on XXXX who are also having the same issue and have no idea what is going on, why they owe more than on REPAYE, etc. How many borrowers are going to be making these incorrect payments, especially when no one can even get through to MOHELA easily? And these are just the borrowers who are using XXXX, I am sure it is impacting thousands of borrowers across the country. 

If MOHELA wanted to automatically recalculate payments from REPAYE to SAVE, they should have the information available to know to take into account spouses with student loans as well.
Product: Debt collection

Experian, XXXX, XXXX XXXX XXXX company {$450.00} XXXX XXXX A collection account can not have a past do Balance. I never had a payment arrangement on this fraudulent account. This is a violation of the FCRA .Please delete this account from my credit report. Debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and Say its mines. According to the FCRA Experian has violated my rights as Consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX -- INQUIRIES -- XXXX XXXX XXXX XXXX
Product: Mortgage

At the end if XXXX I received my mortgage escrow analyse. It appears that there was a shortage of {$800.00} on my escrow account. My payment was going to go up {$150.00} this year which I could not really afford. I called my mortgage company on XX/XX/XXXX of this year to ask about the shortage. They told me they mistakenly had left off my home owners insurance payment and that caused the shortage. They told me I could repay it back with in 24 months. I told them do that and that I would also like the bank to pay part of that shortage because it was their mistake. Throughout XXXX they never changed the repayment to 24 even after several phone calls and they refuse to reimburse for their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned the car XX/XX/XXXX to the dealership due to them not having the title to the car. XXXX XXXX XXXX  closed the account. XXXX XXXX XXXX sent a letter stating they would Closed my account Requested that each credit bureau delete their trade line from my account. My accounts number is XXXX. I disputed the account with experian on XX/XX/XXXX which showing the account as open. On XX/XX/XXXXXXXX XXXX XXXX  responded and said that the information was accurate and my account was open. Which is false. My experian dispute report number is XXXX.
Product: Checking or savings account

XXXX, I am going to change my tone to a professional manner in hopes that you will personally correspond or respond in a proper manner.I have definitely not receive the level of customer service I had expected from BANK OF AMERICA, because all of my accounts do not total over a XXXX dollars! What is astounding to me is the fact that this is how you treat a PLATINUM PLUS level customer that falls into the 97 % of the accounts that make up the BULK in banks, such as Bank of Americana. A couple of weeks ago, I had two accounts compromised which I had emailed you several times, and never got a respond from you. Two days ago I had another account compromised, and I still did not hear from you to show that you even cared. Im letting you know that on Monday XX/XX/XXXX, I will be withdrawing my funds out of Bank of America.

Unsatisfied customer, XXXX XXXX XXXX
Product: Debt collection

Contacted on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  about a debt I supposedly have with Check and Go. This debt does not exist. Never went to or have a loan with Check and Go.
Product: Debt collection

On XX/XX/2023, I was informed by the XXXX Credit bureau that I have two past due balances with XXXX XXXX in the amount of {$5300.00} and {$5800.00}. I spoke with the apartment complex on XX/XX/2023 and i explained that i had not received any noticed. They mentioned I should contact Pro-Collect since it was already in collections. I contacted Pro-Collect, Inc. on XX/XX/2023 and spoke with XXXX XXXX to request additional details about the alleged debt since I received no official notification prior to XX/XX/2023 with XXXX XXXX or Pro Collect inc. I was informed of a balance of {$5300.00} on my account. I asked if that was the only balance I owed and XXXX XXXX verified that it was. I was informed that I needed to pay that debt by the end of the day or make 3 monthly payments of approximately {$1800.00}. XXXX XXXX stated he spoke to his supervisor about getting a settlement of {$3500.00} but I would need to pay it by Wednesday XX/XX/2023. I requested time to reach out to my bank in order to secure a loan to cover the alleged debt. XXXX XXXX informed me that I had to leave a card on file for the time being while coordinating with my bank. Unfortunately, I was unable to secure payment for the settlement amount and called XXXX XXXX on XX/XX/2023 at approximately XXXX pacific standard time to request that my card be removed. XXXX XXXX stated he was unable to remove my card on file due to it being late in the day and the payment was set to be auto-drafted on XX/XX/2023. I informed XXXX XXXX that I was never sent an official notification of the allege debt and formally requested that he send me one via secure email or certified mail. XXXX XXXX stated that he would not be sending me official documentation and when I requested to speak to his supervisor or manager, he refused. During this verbal interaction with XXXX XXXX, he hung up on me on three separate occasions and placed me on hold twice while I was talking. In my opinion XXXX XXXX actions were unprofessional and has hindered me from receiving legal notice of an allege debt. Furthermore I feel that XXXX XXXX was being deceptive by carrying out unfair trading practices as I was not made aware of my rights nor the amount owed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX Date : [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXXXXXX ] Subject : Dispute of Account XXXX XXXX ( Account number XXXX ) Dear XXXX XXXX, I am writing to formally dispute the information reported on my credit report for the account with XXXX XXXXl, referenced as XXXX XXXX  XXXX with a balance of {$2100.00}, and noted as closed as of XX/XX/XXXX. Under the provisions of the Truth in Lending Act, specifically 15 U.S.C. 1601, I am requesting a review and verification of the reported information.

According to the report : The account shows a 100 % outstanding balance of {$2100.00}.

It indicates 49 % on-time payment history with several missed or late payments between XXXX and XXXX. 

The account was opened on XX/XX/XXXX, with a 72-month term.

I am disputing this information because I believe the balance is incorrect, the account should not be marked as closed, or the payment history is inaccurately reported. I request that XXXX XXXX  investigate this matter and provide me with the following or Remove this Account from my credit Report : XXXX. Validation and verification of the reported balance of {$2100.00}. 


XXXX. A detailed payment history, including dates and amounts received. 


XXXX. Clarification on why the account is marked as closed despite showing a 100 % balance owed. 


XXXX. Any supporting documentation used to report the payment history, as mandated by 15 U.S.C. 1601.

Please conduct a thorough investigation and provide written verification of the account details within the time frame required by law. If the investigation reveals inaccuracies, I respectfully request that the necessary corrections be made to my credit report with all credit reporting agencies. 

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

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

I went into  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ). On  XXXX ,  XXXX  because  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to  XXXX   XXXX . I then spoke with Owner  XXXX   XXXX  and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.     Since  XXXX  I have not had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all   XXXX   credit bureaus and still no response. I have also attracted a letter signed and dated by  XXXX   XXXX  that the credit pull on  XXXX / XXXX / XXXX  and in  XXXX / XXXX / XXXX  were both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on  XXXX / XXXX / XXXX . There was no explanation on how or why my credit was pulled this time either. I had n't even been into   XXXX   XXXX    office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because  XXXX   Attacked  me trying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that  XXXX   XXXX   Inquiry be removed My my credit file. As fo r I did not give the company permission to pull my credit file. They also submitted my credit information to  XXXX  other company 's without authorization or consent.     Including :  XXXX   XXXX   XXXX   XXXX     XXXX     XXXX   XXXX , MN  XXXX  The inquiry was submitted on  XXXX   XXXX  and on  XXXX   XXXX ,  XXXX  without authorization or consent.      2. Flag ship Credit Acceptance  3   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  and again on  XXXX   XXXX ,  XXXX . Both without authorization or consent.      3.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  and again on  XXXX   XXXX ,  XXXX . Both without authorization or consent.      4.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX,  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  Without authorization or consent.     5.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX . Both without authorization or consent.     I am asking for these unauthorized inquiries to be investigated and removed. I also think it 's fair that the derogatory effect be removed. I would like all my points back.     I have contacted all the companies via certified ma il and no one will res pond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently subcribe to Equifax Complete Premeir Plan where i am supposed to be able to update my report and score daily, but from    XXXX   XXXX  -    XXXX   XXXX   XXXX     I was unable to update my score and report and kept getting and error that it was unavailable. I repeatedly called to get help and was never able to access my report on my own. On   X/XX/17     a rep updated my report and told me that I would be able to from that point, but I was still unable to. I called  one  more time and kept getting push back from a rep saying that I was only supposed to refresh every 30 days and I kept trying to explain to her that was not how to he plan I had worked, until I finally had to request a supervisor who then tried to resolve the issue with no success. She Stated that she would put in a ticket. I was also not able to obtain my report using other reporting companies like privacy guard or credit karma. My Equifax file would never update or crossover. Finally on   X/XX/17     it updated on credit karma which it had not updated since    XXXX     , and all of my credit files were removed. I then tried to refresh on Equifax and still was unable to until about  XXXX  CST. And all my files there were removed as well except for  2  files. My files did not return until   X/X/17     when I updated my report, and then there were all these inquiries from  X/XX/17  XX/XX/17  that were not mine. I tried to resolve with Equifax to no avail. And they still ca n't tell me why my files were removed. They kept saying that I requested, or the creditor removed them, which makes no since. If I requested them removed and they removed them why place them back. And all of the creditors did not band together to remove at one time. Please remove all inquiries during this time of Equifax glitch. Thank you.
Product: Debt collection

Account Name : FIDELITY CREDITOR SERV ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Product: Debt collection

XXXX XXXX I called and asked XXXX XXXX to please transfer and disconnect service from XXXX apartment XXXX building to the a new apartment XXXX as of XXXX XXXX XXXX. XXXX transferred as requested but did not terminate the service for apartment XXXX. XXXX assigned me with a new account number without letting me know that when you transfer apartments you will be given a new account number. I was receiving XXXX bills for XXXX for the old apartment and the new apartment. I continued to pay the old bill online and not the new bill. I received a disconnect notice end of XXXX. I spoke with XXXX in XXXX XXXX XXXX and was told that it was there fault that they did not properly disconnect the old service. I made an overpayment over {$230.00} to the old bill and that they will discontinue service at the old apartment and credit the new account. They stated they were very sorry for the miscommunication. I received a letter from XXXX XXXX XXXX dated XXXX XXXX, XXXX on XXXX XXXX, XXXX stating I owed on the old account {$90.00}. I immediately contacted XXXX on XXXX XXXX, XXXX and spoke with XXXX. He said yes that they did not clear the bill and it was there mistake and he would get that handled. XXXX gave me his number at XXXX and stated to call tomorrow to confirm it had been taken care of. I called XXXX XXXX XXXX on XXXX XXXX, XXXX at XXXX immediately and spoke with XXXX and she stated she will note the account. On XXXX/XXXX/XXXX at XXXX another debt collector - XXXX stating that I owed {$90.00} to XXXX and that how would I like to handle the debt. I never received a bill from the new debt collector and only received a call. I said I have spoken to people many times to get this cleared up. The debt collector got nasty with me and stated this is the first time I got this account and I said well it is illegal to collect on a debt that is false and I have handled this. XXXX continued to raise her voice and yell at me. I said do not contact me again and I will contact CFPB for illegally collecting on a debt.
Product: Debt collection

Citibank contacted my father around XX/XX/XXXX-XX/XX/XXXX. I was out of the country. My father has a separate account with Citibank, they advised him that my account was past due and no payment received since XX/XX/XXXX. My father isnt listed on my account, nor do I live at home with my father. Once my father made the rep aware that he had made a mistake he didnt want to release any further information. My account is enrolled in a Debt Settlement program and i have notified ALL my creditors of this and not to contact me or any one else. 

XXXX XXXX contacted my mother around XX/XX/XXXX-XX/XX/XXXX, while i was out of the country, at my previous home telephone trying to collect on a a debt, after they had been informed of my enrollment into a debt settlement program.