23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since Selene Finance began servicing my mortgage on XX/XX/2019, they have charged me a grand total of {$8400.00} in fees, including an Advance Balance Fee of {$4900.00} on XX/XX/2019, when I received my first correspondence from them. My prior mortgage servicer, XXXX XXXX, had only charged me XXXX in fees, despite the fact that my account was in foreclosure status with the same attorney. 

The attachments include all statements from Selene Finance except for the XXXX statement, which is missing. I asked XXXX for a copy yesterday, and they indicated they would email it to me, which hasnt happened yet. Also attached are the original Validation of Debt Notice from Selene Finance, showing the Corporate Advance Balance and Other Charges, my last two statements from XXXX XXXX, including my statement from XX/XX/2019, showing that I only owed {$8000.00}. The last document is the foreclosure notice I received from XXXX, XXXX and XXXX last week indicating that I now somehow owe {$21000.00}. 

Per the spreadsheet attached, I am contesting {$8100.00} in fees that I believe are in bad faith and illegal under the FDCPA. Unless this matter can be resolved immediately, I will sue both Selene Finance and XXXX, XXXX XXXX XXXX for misrepresenting the amount that I owe and for trying to collect interest, fees, or other charges on top of the amount that I owe, unless the original contract and State law allows.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is clear to me that a mistake has been made on my credit report. I disputed the accounts with the credit bureaus but end up with nothing. I could not believe they did a full investigation on the accounts I disputed because they are definitely not correct! Account payment history is incorrect, date of last payment is also incorrect. This is ruining my credibility. Please help me remove the errors reporting on XXXX/XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Vehicle loan or lease

XXXX CREDIT ACCEPTANCE CORPORATION produced an agreement with defaults and flaws that are detrimental to the consumer. Full disclosure on a financed vehicle was obtained after an investigation by the consumer. The investigation revealed tax violations may be committed against my personal property. CREDIT ACCEPTANCE CORPORATION has refused to comply with my request for records that would validate the debt other than the signed agreement which does not reveal the forensic history or the activity off liquidation proceeds or liquidation expenses. No acknowledgement given to the valid security collateral instrument which allowed CREDIT ACCEPTANCE CORPORATION the luxury of accessing the Treasury on the consumers behalf but not to the consumers benefit. Seeking recoupment of all securities and interest entitled to. Power of Attorney notices have been sent to the legal compliance department in order to resolve the matter and settle the account pursuant to the instructions given to the fiduciary to manage the interest to offset all indebtedness on the account # XXXX. No full disclosure to opt out was given at any time by Credit Acceptance. They were instructed to cease and desist all false and damaging reports by email, phone calls and certified mail, all efforts were not complied with. I was told they would not cooperate on the basis of false information. A police report and Federal Trade Commission Identity Report has been filed against CAC in order for the matter to be investigated and resolved. Consumers are allowed to enforce complaints when violations infringe upon rights. Consumer has mailed certified mail an agreement that has been amended in parts to revoke all security interest and revoke all rights to repossess the vehicle. I also hold the company harmless via an indemnity agreement sent in order to resolve matters immediately. Credit Acceptance refusal to comply and remove all reported adverse items, cease and desist reporting and sharing of any and all information is a direct violation of the Fair Credit Report Act. 623 ( 15 U.S.C. 1681 s-2 ) mandates that furnishers of information provide complete and accurate information. Its also Identity Theft to continue reporting after multiple request to cease and desist the damaging actions. No adverse items are to be reported which is a violation. Not allowing a block on personal information is negligence and compliance, another federal violation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Navy Federal Credit Union car loan XXXX
Product: Credit card or prepaid card

I don't have texting services. I set up a Verbal Passcode with BOA for authentication. 
Every time they ignore that code and try to send me a text message. 
Now they're forcing me to go to the branch every single time to authenticate myself!!!! 
I can't use the card, nor pay it off, etc. Or even cancel the account.
Product: Bank account or service

My husband and I opened a Chase Premier Plus joint savings and checking account in XXXX XXXX. At that time, we were informed that if we had more than {$15000.00} in all our accounts, we would not be charged a monthly service fee. Chase 's website says the same thing : " $ XXXX Monthly Service Fee, waived with one of the following each monthly statement period : An average daily balance of {$15000.00} or more in any combination of qualifying linked deposits1/investments2 OR, automatic payments to your qualifying linked Chase first mortgage from your Chase account3 '' In explaining footnote 1, Chase 's website says the following : " 1Qualifying personal deposits include : this checking account and up to XXXX personal Chase checking accounts ( excluding Chase Premier Platinum Checking and Chase Private Client CheckingSM ) ; personal Chase savings accounts ( excluding Chase Private Client SavingsSM ), Chase Liquid ( R ) Cards, CDs, certain Chase Retirement CDs, or certain Chase Retirement Money Market Accounts ( balances in Chase Money Purchase Pension and Profit Sharing Plans do not qualify ). '' In XXXX and XXXX of XXXX, I was charged a monthly service fee despite having well over the {$15000.00} threshold in our joint savings account. I called Chase and the representative there said it was a mistake, that my checking account qualified and refunded both service fees. However, I was again charged a monthly service fee in XXXX of XXXX. When I called Chase again, they informed me that only XXXX checking account could be linked, hence why I was being charged the monthly fee. However, this runs contrary to what we were told when we signed up for the account and what is written on their website.
Product: Debt collection

I am currently XXXX and have an issue with XXXX XXXX. My spouse had a family plan with XXXX XXXX that we were unable to keep due to transferring XXXX. In XXXX, they do not have XXXX XXXX service. So, my spouse spoke to both representatives on the phone and in store from XXXX XXXX. We presented them with our Change of XXXX letter that stated we were moving from XXXX to XXXX. The employee my wife spoke to over the phone assured her that our account would be closed out with no outstanding debt. His information is as follows : XXXX XXXX Employee ID # XXXX. Her conversation lasted around 3 hours on the phone and she was assured that there was absolutely no outstanding balance and that we were good to go for our transition to XXXX. We have tried since to resolve the issue again with XXXX XXXX, but they have gone back on their original terms and now say that we owe them {$240.00}.
Product: Student loan

I received a call form a company called XXXX XXXX their XXXX XXXX 77 Elite about an opportunity for loan forgiveness and claimed to be associated with XXXX. They claimed I would get loan forgiveness through their federal program after paying 20 low payments on my overall loan dept by over {$7000.00}. They asked for my XXXX ID and password as well. They also requested my 2 most recent pay stubs. They required an upfront payment of {$240.00} on XX/XX/XXXX and 3 more payments of {$250.00} in the next 3 months and states I did not need to make payments to my student loan servicer during this time. I also did not send the remaining paperwork to this servicer and somehow they decided to charge my credit card anyways. After doing some research with department of education, I learned that requiring upfront payment for loan servicing before providing the service is illegal. After reading about student loan scams I immediately cancelled payment and called XXXX XXXX to cancel their service. I found out months later than they had consolidated my loans anyways through XXXX XXXX XXXX. I recently was contacted by phone informing me that I would be taken to collections. I later learned that their information was false/fraud and that I did not qualify for the public service loan forgiveness through XXXX I believe this is a fraudulent company and was informed that many of their actions were in fact illegal. 


Take Note : " After doing some research with department of education, I learned that requiring upfront payment for loan servicing before providing the service is illegal. ''
Product: Credit reporting or other personal consumer reports

improper use of a credit report, what is the permissible purpose of this collection filed under my credit report without consent in the amount of {$730.00}, this item was reported on XX/XX/2023, but has now come to my attention after viewing my report.
Product: Credit card or prepaid card

On Amazon I was solicited for a {$250.00} Gift Card and a XXXX % cash back credit card if eligible ( sponsored by Chase/AMAZON Prime Visa ) . I applied on XX/XX/XXXX with an income of almost {$300000.00} annually, rent of {$2500.00}. per month, no other debts, and a XXXX score of over XXXX. I was denied for the offer, got a ding on my credit, the denial confirmed my score at XXXX but claim my obligations are too high to my income. I calculate my debt to income ratio at XXXX  %. If I am not eligible for this card who is? I feel like this was a scam to get my information. I also noticed other complaints of the same nature, feeling like denial was not correct and this was some type of scam to get folks to apply.
Product: Credit reporting or other personal consumer reports

- [ ] I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed. 



- [ ] # 2 These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


- [ ] # 3 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt
Product: Credit reporting or other personal consumer reports

The company provided a fraudulent bill statement. Its fabricated for many reasons. The address is spelled incorrectly on ALL the statements they sent. Theirs no way I could receive mail with the wrong address. 
They sent a bill that says XXXX XXXX. I currently live at XXXX XXXX. Another reason this bill is fabricated is, I did not live at XXXX until XX/XX/2018, however, they sent me a bill as proof dated XX/XX/2018 with the address XXXX passing it off as an official piece of mail, but its not. Its XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Most all information in this is fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not sign up for this credit card, and I have reason to believe that someone has used my personal information to fraudulently obtain this account. The address associated with credit card isnt my address. 

I was informed that there is no proof that I signed up for this credit card. Furthermore, I am unable to access the account online or through any other means, as I do not have any information regarding the account, including the login credentials. 

I am extremely concerned about the negative impact that this fraudulent account has had on my credit score. I am unable to pay off the balance on this account as I did not create it, and I do not have access to any of the information required to do so.
Product: Student loan

XX/XX/XXXX : Submitted a completed Income-Driven Repayment ( IDR ) application through the Federal Student Aid website. 

XX/XX/XXXX : Federal Student Aid Status Tracker confirmed that my loan servicer received the application. 

Late XX/XX/XXXX : Loan servicer placed my account in forbearance due to the pending IDR application. The application was initially visible in my online account. 

Early XX/XX/XXXX : All mention of the pending IDR application was removed from my online account, despite no communication about the application 's status. 

Multiple times between XX/XX/XXXX and XX/XX/XXXX : Contacted loan servicer to inquire about the application status but received no satisfactory resolution. 

XX/XX/XXXX : Account remains in forbearance with no updates on the IDR application. Concerned that this forbearance will not count towards loan forgiveness under IDR or Public Service Loan Forgiveness ( PSLF ).
Product: Credit reporting or other personal consumer reports

I have an unverified account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I had previously disputed this account. I have never done business withXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. The original date of default and collection activity begins 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection activities and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

Account Information : XXXX  XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$1600.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX XXXX  Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX XXXX  Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$3400.00} XXXX XXXX  Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$1600.00} XXXX XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$1600.00} XXXX XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$16000.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$260.00} XXXX XXXX Account number XXXX XXXX, Date opened : XX/XX/XXXX, Amount : {$110.00} Inquiry Information : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/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 XXXX 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 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 in months that are reported late 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 XXXXXXXX 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

Equifax has accounts on my credit report that are not mine/inaccurate/false/fraud. 
XXXX-collections account was removed/deleted from XXXX on XX/XX/2019. 
XXXX-collections  account was removed/deleted from XXXX  on XX/XX/2019 XXXX-collections account was removed/deleted from my transunion credit report on XX/XX/2019
Product: Payday loan, title loan, or personal loan

My mother and I jointly obtained a loan from XXXX XXXX XXXX Mortgage on XXXX/XXXX/XXXX in the amount of {$6100.00}. I stopped by their office and the lady was very rude stating " It left my office this morning and I could not offer life insurance on your mother ''. She kept my mothers XXXX certificate although she said she could not offer my mother life insurance for this loan. I think that was age discrimination and a joint account means two incomes had to be provided plus my mother putting her car up for collateral. I do not think this company is treating me fairly and they keep reporting to my credit bureaus. My mothers car is available and she should have been offered life insurance on this loan. I am XXXX and only draw a little over {$800.00} dollars that is why they had to have two incomes and collateral. They have had my mother sign contradicting letters and it seems that they twist things around to make them look good and collect the money. The pay off on this loan is over {$10000.00} with the interest. That is more than I make in a year. Can you please help me deal with this company that has cheated and twisted things around so much? Thank you very much and God Bless.
Product: Mortgage

I have written letters requesting the removal of the PMI on my mortgage. I purchased my home in XX/XX/2006 at {$450000.00}. I put down over {$100000.00}. Thats over 20 % down payment and we have resided in the home for over 2 years. The comps in my neighborhood are selling for over {$550000.00}.
Product: Checking or savings account

America First Credit Union notifies consumers to resolve checking accounts that have been overdrawn for an extensive period of time. This timeframe consists of 5 days. The financial institution 's communications continuously arrives in the complainant 's spam folder. The consumer requested that this be fixed for their provided timeframe to not be affected. This was not fixed upon lack of response. Also, the financial institutions requests payment arrangements to prevent account closures. The consumer had provided a payment arrangement to the financial institution. Regardless, the account was still closed. The consumer/complainant is filing a respectful complaint against America First Credit Union because the consumer communicated per request alongside provided a first payment arrangement. This account closure makes it appear as the financial institution does not stick to its word when attempting to negotiate matters with consumers. Also, the financial institution currently has a money order to be deposited into the account, [ re payment arrangement ]. However, this is affected because the account was closed. The consumer had voluntarily dropped its first complaint out of kindness. 

Initial Complaint : The financial institution 's ATM would wrongly display a balance that exceeds the actual balance on the account. This would be checking the balance when logging in the ATM. Upon withdrawal, this would result to a negative balance. The provided receipt would still present a positive balance after the withdrawal. The consumer would not be aware for an estimated month. Eventually, it was refilled after complaining to the XXXX XXXX XXXX then graciously working with the financial institution. 

A second complaint is being filed because the consumer was performing his part after the financial institution 's most recent communication concerning the negative balance. Also, the consumer feels that money was wasted if the financial institution would receive a deposit, [ re first payment arrangement ] to find that the account was closed. Additional concerns include the financial institution 's access card not working when initially attempting to make a deposit.