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

When i had my car loan i fell on bad times during covid. I did a covid relief extension and was approved. It was explained to me that the months that they are excusing because of covid will be placed on the back of the loan so when the extension is over i would only have to pay XXXX month as opposed to all of the months that was moved. When that time came, I was ordered to pay thousands of dollars and they refused to honor what they agreed to do. I went back and forth with the company for months before they reported my loan as a collection and later reported it as charge off as bad debt and charged off as a loss in XXXX. There was never an attempt to reposes the vehicle nor was there any paperwork saying that was the plan. I called all the time to try and find a resolution and they stopped returning my calls. Fast forward to XXXX of XXXX i woke up and noticed my car was not in the driveway. I immediately called the police to report my car stolen just to be notified by the police that my car was repossessed. I called regional acceptance and they told me that they car was not repossessed and they don't know what happened to it. They told me never tried to take the vehicle. They also informed me that I should take it up with the credit bureaus and get the account removed from my credit. I contacted all XXXX bureaus and they all removed them except for XXXX. The account was closed in XXXX and for some reason Regional acceptance decided to update the balance of the account and decrease it by $ XXXX and say that the last payment was made it XXXX of XXXX which was a lie. It seems as though they did that to shut me up after I made multiple disputes but it also was done maliciously. This company stole my car and sold it. Repossessed it and did not report that it has been repossessed to the credit bureaus. I am asking that this account be removed my from credit immediately and i demand paperwork proving that they notified me of the repossession and that they notified me of the sale of the car.
Product: Mortgage

I am a XXXX resident, in 2023 i obtained an FHA loan for my primary residence at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Planet Home Lending purchased my loan in 2023 and they are currently holding it. I am in the process of refinancing with a different Lender SUMA FCU and they have agreed to process a XXXX. As you know, this saves a XXXX XXXX borrower a significant amount of money in the form of a mortgage recording tax credit. Planet Home Lending is the payoff bank, they will be paid in full but they are refusing to process a XXXX, such refusal will cost me {$14000.00} in additional mortgage tax that i would not have to pay if XXXX XXXX XXXX agreed to process a XXXX. Me as Borrower relied upon this common practice in taking out the loan originally. The original lender i borrowed the funds accommodates XXXX as common practice. 
This mortgage loan is governed by XXXX XXXX law, even though Planet Home lending is a Connecticut institution. 
The routine customs and practices of lenders in New York should also be respected and followed in this case since they are doing business and hold a NY license. 
I have sent multiple emails, numerous phone calls with Planet Home Lending customer service only to receive a blank answer that they do not participate in XXXX. 
Planet Home Lending also is misleading consumers because their payoff letter specifically mentions NY XXXX but they never honor the representation made on the documentation.
Product: Credit reporting or other personal consumer reports

There are multiple inquiries on my credit report that I never authorized, and they are negatively impacting my credit score. I have never applied to these companies nor given them permission to access my credit file. I previously contacted Experian regarding this issue, and I was assured that these inquiries would be removed. However, they still remain on my report. As someone who has already been a victim of identity theft, this only adds to my anxiety and stress, further damaging my financial well-being.
Product: Debt collection

we purchased one blue floating week timeshare from the XXXX XXXX ( XXXX XXXX XXXX  ) in 1983. the loan for the timeshare was paid in full ( paid off early ). all maintenance fees have been paid in full and on time all these years. our warranty deed states " an estate for years terminating on XX/XX/XXXX ''. XXXX XXXX states that the timeshare was voted on to be extended for an additional 50 years in 2012. we were never personally notified of this extension nor asked to sign our approval of this extension. the only notice of this was a huge email sent in the winter/spring newsletter that bullet point # 2 says amendment 3 is passed-we have 50 more years. in 2012 we had very little internet access so we did not routinely open or read newsletters online. we only know of this now because XXXX XXXX at XXXX XXXX told us about it and joked that we probably never saw it. we do not believe that anyone should have the right to extend someones debt without their written consent. we are filing this complaint with all entities we can. thru a XXXX complaint the lodge stated that a quit claim deed stated that the timeshare had been extended. we finally located our copy of the quit claim deed from 1998 and the letter attached to it. the quit claim deed changed the way the timeshare week title was held from tenants in common to joint tenants. we can find no written reference to extension of the timeshare in the quit claim deed. there is a statement of " ownership become tenancy in common in the year 2022 '' which is the way the original warranty deed read when we purchased it. we are in our 70 's and have health issues. this is becoming very stressful. XXXX XXXX has turned over our debt for the 2023 maintenance fees to u.s. collections west in XXXX, az. XXXX XXXX offered 3 ways to exit the timeshare. we live on social security and make just enough that we don't qualify for the hardship return. we can sell it however no one wants timeshares anymore. craigslist is full of ads practically giving them away. or we can pay the XXXX XXXX 5 years of advance maintenance fees to return it. we believe our contract was fulfilled and do not intend to pay anything else.
Product: Credit reporting or other personal consumer reports

Columbia is reporting a debt and trying to collect on a debt that is included in my bankruptcy. They are reporting false information on my XXXX credit reportXXXX XXXX XXXX  is included in my filing.
Product: Debt collection

I'm writing this complaint and there is no third party involved. 

To whom may concern Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account 2. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

3. Deletion from all consumer reports.

4. Delete all my personal information from your company.

I'm also requesting validation ( attached ), Please be aware of filling up each line requested. ( Don't forget the Authorized Signature of Creditor ) You must return the attached completed form along with copies of all requested information, assignment or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 

Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/year>. I recently retrieved a copy of my credit profile and noticed accounts and inquiries that I have no affiliation with or any knowledge. I've stressed to the CRA ( Experian, XXXX, and XXXX ) how stressful this is and its impacting my ability to obtain credit. 
According to 15 USC 1681 I have the right to privacy and furnishing information to my account without my permission is in violation. Also furnishing accounts to profile in the result of identity theft, violates 15 USC 1681 C-2. The accounts that are listed on my credit profile are : XXXX XXXX XXXX and XXXX XXXX XXXX, I have no knowledge of these creditors
Product: Credit reporting

According to XXXX through physical Verfication, verify original signed consumer contract- any and all accounts posted on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is submitted because of deceptive practice by Transunion credit reporting. First, I went to apply for a rental house and I pulled up my free credit reports on XX/XX/XXXX. First thing I notice on the Transunion report that I was delinquent by 30 days on my auto account loan ( installment loan ) with XXXX XXXX XXXX XXXX for the month of XX/XX/XXXX. I paid off my Auto loan on XX/XX/XXXX. I  promptly put in a dispute to Transunion, first I tried to do it online and upload the documents and then the computer told me I could n't upload documents. I was using XXXX browser which does n't support XXXX anymore ( same on XXXX XXXX ), so I went and pulled up XXXX XXXX and was able to load the document and got the a message saying that I had to submit this via mail because my dispute is not supported via online. I called Transunion on XX/XX/XXXX and they said that the information they receive is reported directly from my bank. Okay, so on XX/XX/XXXX, I promptly called XXXX XXXX XXXX XXXX and spoke to their loan servicing department which reviewed my account and stated that they DID NOT report to Transunion, they use XXXX and I have no late payments. So here is my dispute status " We have discovered that your request requires additional manual processing. As a result, online delivery of your dispute resolution is unavailable at this time.You will receive a mail soon with further instructions. '' I called to Transunion and told them what the credit union said and that if I want to add that information to the dispute it would be and extra 10 days to review. Huh? So what I want to know is how does this company get my information, they have now? They taken my FICO score down to XXXX and I ca n't do anything about it. It is like they are making things up so you have to check and pay for your FICO score and credit report a couple of times. If my Credit Union does n't relay this information about my accounts, how do they obtain this information? Do they make it up? Are they fishing for business? Now they have wreaked my credit score and I ca n't speak to anyone who conveys the English language without me trying to decipher what they really mean.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

15 U.S.C1692C At any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; If the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or At the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

This stuff that TransUnion has on my credit is not mine. It's student loans on there and I never ever been to college. I told the man that sounded like he was having a hard time understanding what I was trying to explain to him to me seemed like he was reading from a piece of paper. I do not have any student loans TransUninion is giving me arid time about getting this stuff off. I was told to mail a dispute and I did never heard anything back. please get this taken care of. These student loans and the stuff showing from XXXX   XX/XX/19 & XXXX? XXXX XXXX XX/XX/19, XX/XX/19 & XX/XX/19 I did not apply for a XXXX XXXX or XXXX card
Product: Credit card or prepaid card

My capital one credit card was recently subject to multiple cash withdrawals, without my authorization. Each instance of theft also incurred a {$10.00} cash advance fee. I received a refund for all charges, except for over {$300.00} in advance fees. I recently received a letter stating case closed and have called on multiple occasions stating they will get to it. It has been over a week now.
Product: Credit card

On XX/XX/2024 I made a claim that there were multiple charges on my account that I did not make with Capital One credit card ( XXXX card ). I've noticed a lot of charges that were not mine and called Capital One to have this matter resolved as soon as possible. 
During that time I was not in the area in which these charges were made - the last known charge in which was mine was on XX/XX/2024 with the merchant XXXX XXXX XXXX XXXX XXXX for {$40.00}. I stated to them that I did not have my card physically and when I found out I called them immediately after the fact to have the card replaced. The places in which the fraud charges were made in areas I do not ever visit ( XXXXXXXX XXXX XXXX etc  ). 

I have attached the initial fraud acknowledgment letter for all fraud charges that were not mine. 

The company so far has rejected my fraud claim and placed all fraud charges back on my card.
Product: Student loan

I consolidated my federal XXXX XXXX in XX/XX/23 through XXXX and requested an IDR repayment plan. My loan was then transferred to EdFinancial for servicing. I then applied for the SAVE plan through the FSA website. EdFinancial has repeatedly denied my request for enrollment in the SAVE plan or any XXXX plan even though I have been assured by the Dept. of Education that I qualify for those plans. I have made several calls to their customer service dept. but have not been able to get an answer as to why I keep getting denied.
Product: Debt collection

This company has repeatedly sent mail about an alleged bill that i do not owe, i sent in proof in writing that the debt was not mine. The company in turn sent me another alleged bill and added the account to my credit report as a collections account which severely damaged my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was simple. I paid last payment for XXXX/XXXX  XXXX  in XXXX, 2020 bringing the account to XXXX  and closing the account by my request. However, XXXX, XXXX, and XXXX show 30 days past due on my credit report. This is negatively affecting my ability to apply for apartments and acquire any lines of credit. The investigation showed the information was accurate and this is NOT POSSIBLE. The account was closed and had a XX/XX/XXXXbalance in XXXX. I was never told anything was late or due at any point after that final payment. TRANSUNION and XXXX  both have those months in 202 as late 30 or 60 days late. They have not resolved this.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter once time prior ; I would really appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report.

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I have once again provided the information regarding the account in question : 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 XXXXXXXX I dont recognize these accounts. I did not authorize these and because of an evil roommate, I have to suffer for his terrible actions. These accounts were not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to Experian, as proof from the XXXX Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I want immediate deletion of the account and XXXX $ per violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I participated in what was called a " selection '' to be coached by XXXX XXXX for free. After I actually found out that this process was a frivolous sales process. After receiving many emails inviting me for a free meeting on XX/XX/XXXX I entered in a videoconference call with other people being interviewed one by one by XXXX XXXX. Once I spoke to the " interviewer '' and was mislead that I've passed on the interview, I was brought to another videoconference to talk to a person who requested my credit card information. I thought that was one more step of this selection process and I cooperate with this person, giving my credit card information. I thought my card would not be charged because there was any type of contract or agreement. Unfortunately, on XX/XX/XXXX, I realized I was wrong and subsequently I decided to ask for a reimbursement. So, I email XXXX XXXX XXXX to request my reimbursement since I've never received or signed any terms or conditions and any other type of agreement. I received an email from XXXX XXXX XXXX, saying that their Terms and Conditions, which I've never received did not allow reimbursemts. For this reason, I disputed the transaction with Bank of America. However, on XX/XX/XXXX, Bank of America sent me by mail a request with explanations and the answer of the merchant to my dispute. The answer was showing all the free invitation emails sent by XXXX XXXX XXXX and a form of order EMPTY, that was never filled by me. They also could not provide any terms and conditions or other agreement showing my signature as I proved with the documentation sent to Bank of America on XX/XX/XXXX. Even under those circumstances Bank of America is still charging me and saying : " We didn't receive documentation stating what you were supposed to receive and how it was different from what you received ''.