23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I entered into a forbearance with LakeView Loan Servicing. I am wanting to end the forebearance and begin making regular payments. I am being told I will have to repay the total amount back in one lump sum. I was told there is a partial claim loan with HUD but Lakeview will not respond to any of my requests. I call several times a week and get put on hold or get disconnected. I have emailed the company with no response. I have asked for my FHA case number but the representatives do not have that access and no one at the company will respond. I have asked to speak with a manager but had no response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a credit card that i am paying on but am not able to use anymore. I have been paying constantly on it and they seem to have payments going to wrongs account because they have missing past due. I can no longer make online payments therefore ha e been calling in payments. Past months they been refusing to take my regular payment and its now showing as 120 days delinquent and hurting my credit. I've tried numerous times to speak to a supervisor and been put on hold and hung up on. Called back and no supervisor or manager available. They have told me if I don't make a XXXX payment they will keep reporting me to the agency. XXXX XXXXXXXX XXXX XXXX have violated many laws. 
Section 605, Section 605A, Section 605B.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I was preparing the financial portion on paypal for a recent sale I had made. I received a invitation from paypal credit to apply for a credit line and receive a {$20.00} dollar discount on my next purchase. I applied and was approved for a {$2500.00} dollars. ( See Attached # 4 ).  On XX/XX/XXXX, I used the discount on an XXXX  purchase. ( See Attached # XXXX ) On XX/XX/XXXX, I attempted to make a purchase on XXXX, ( See Attached # 1 ) The seller accepted paypal credit so I assumed I would have to apply via the XXXX purchase page. ( See Attached # 2 ) I immediately realized the credit approval was already there. ( See Attached # 3 )  Unfortunately, the purchase was denied. I don't understand why the purchase was denied. Why would paypal go to the trouble of inviting me to apply for credit, reporting the new account to the credit bureau, XXXX See Attached # 5 ), give me a {$20.00} dollar discount on my next qualified purchase and approve me for a {$2500.00} dollar credit line and not be able to use it? I can't seem to get an answer from paypal. In fact, there are many pages of complaints on their website dating back from XX/XX/XXXX and none of them give a fair explanation. I thought the reason paypal was not answering my request for help was because of the recent developments with COVID-19, but after reading all the complaints on their website help section, I come to realize they have known about this problem for some time.
Product: Student loan

I applied and was granted an income based repayment plan. At the start of the plan, was told I had to pay an amount to cover late payment charges, which were erroneous, but nonetheless I paid the amount requested. Since that time they have continually requested I pay the amount for the charges over and over. I was told the first payment was applied incorrectly but this would be rectified. It never was applied in the appropriate manner. I have talked to several customer service representatives, written many emails and letters to get this matter resolved. Now they have changed their online payment program to where I will once again have to pay the amount that they are saying is for late payments, which I never had a late payment, I had been in forbearance or deferment. There is no way to pay my income based repayment amount. Of course they are closed when I am able to call them. This is ridiculous and fraudulent at this point. This has been going on for 3 years at least.
Product: Debt collection

Subject : Formal Consumer Dispute Regarding Genesis Credit Management LLC.

To Whom It May Concern, I am writing to formally dispute the reporting of an auto loan account by Genesis Credit Management LLC. on my consumer credit report. This dispute is based on violations of my rights under the following federal laws : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has not provided the required validation information for the alleged debt. Despite this failure, they have furnished and continue to report this account to consumer reporting agencies. This is a clear violation of the law.

2. 12 CFR 1006.34 ( c ) ( 4 ) : I have not been given an opportunity to dispute this account. The agencys failure to provide proper notice has deprived me of my right to dispute the validity of the alleged debt before it was reported.

3. False, Misleading, or Deceptive Practices : The agency has engaged in practices that are false, misleading, and deceptive in their handling and reporting of this account. Such behavior violates the Fair Debt Collection Practices Act ( FDCPA ).

4. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) : The agency has no authority to report this account to any consumer reporting agency without first providing all disclosures required by law. By furnishing information without complying with these requirements, they are in direct violation of these regulations.

Request for Immediate Action I am requesting the following actions to resolve this matter : 1. Immediate Deletion of the Auto Loan Account : Remove this account from my credit report as it was reported unlawfully.

2. Proof of Validation : If the agency believes the debt is valid, provide all validation information required under federal law.

3. Cessation of Reporting : Immediately stop reporting this account to consumer reporting agencies until all legal requirements have been fulfilled.

Timeline and Legal Remedy Please resolve this dispute within 14-30 days of receiving this letter. Failure to comply with these demands may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulatory agencies. Additionally, I reserve the right to seek statutory damages of {$1000.00} for these violations as provided under the FDCPA. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation of the resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

This company calls me 2 to 3 times a day everyday and it is in the hours that I am at work so I can not answer my phone and this has been going on for about a month-and-a-half. I did end up calling this phone number back and found out that it was Diversified Consultants Inc. The lady that I spoke with and right now I can't remember her name, but she stated that she was a debt collection agency for XXXX. We ensued in a conversation and she said that I had to take care of this debt. we started to work on a way to get this debt settled however she said that they could not except the payment arrangements that I said I could do. I told her that was the only Arrangement that I could make and she said that I was being non-compliant and that she would notate the account. And then she hung up. I looked up their company name and found a bunch of complaints against them saying that they were scam artists, so I brought up my credit report to see if they were truly the ones named on my credit report for that debt and found out it was under another name. So I am going to contact the actual company on my credit report to get this debt taken care of, but people should know about this other company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows hat the account was in arrears on XX/XX/XXXX to XX/XX/XXXX, for 30, 60 and 90 days respectively. This is inaccurate, and this should be removed from my credit report/ need a trade line deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately. 

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : XXXX XXXX XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2021, I sold my car ( under a lease ) to XXXX XXXX in XXXX, California. My car was under a lease and had a payoff quote of {$16000.00}. The XXXX XXXX dealership was offering to purchase it off me for {$23000.00}. I agreed and completed the sale for the price of {$23000.00}. The dealership management team stated that the difference between the purchase price of {$23000.00} and payoff of {$16000.00} would be delivered to me in check form within 5 to 7 business days. 

I had not received it yet, so on XX/XX/XXXX, I contacted the dealership and left a voice message to the sales/finance team to check on the status of my payment. On XX/XX/XXXX, the dealership got back to me and stated that it was delivered on XX/XX/XXXX via XXXX  at XXXX pm. I called back to confirm the tracking number and discovered that it was shipped to an incorrect address in a different city. The address was completely different than the one on my account with the dealership and on the final paperwork. 

The dealership admitted to sending it to the incorrect address and confirmed that the check had been deposited already and that they are going to file a fraud claim with their bank and that they will have to send me a new check or I can drive several miles out of town to pick it up at their business office.
Product: Credit reporting or other personal consumer reports

NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENTS ( S ), MANDATED 386 PARCELS OF CONFIRMATION.
Product: Vehicle loan or lease

On the XX/XX/year> me and my wife were sold a new car in which the contract was signed and we left with the vehicle. On or about XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX called and said we have to return the vehicle because the deal did not go through with XXXX  XXXX and that they'd need an additional {$7000.00} on top of the {$4000.00} we'd already put down in order for the deal to get done. I told him that would not happen, and that we would not be returning anything because we already had a signed contract. he stated he'd lose too much money if he did the deal with XXXX XXXX and I told him to drop the XXXX and he stated that if we did not get the XXXX  he would not sell us the vehicle.I also told him that we Initially offered {$1500.00} as a down payment and that they said they presented that to XXXX  XXXX and that XXXX XXXX said that they needed either XXXX or XXXX in order to get the deal done and that if I meet those terms his employee said they'd throw in the XXXX Insurance for free. I told them I'd do XXXX as my XXXX. He left and when he returned he congratulated us and said the deal was done and as soon as we get insurance we were good to go. we paid the down payment of {$4000.00} and got insurance, my wife signed the documents and we left with the vehicle. XXXX asked us a day or XXXX later to come back to Texas because he'd gotten Finance on the same term and at the same rate. We returned and electronically signed some documents. We just learned that Pages were missing from the Original Contract and that XXXX XXXX acting as an Agent for Consumer Portfolio Services FORGED me and my wife SIGNATURE on the document agreeing to Purchase XXXX. I presented this to CPS Consumer Portfolio Services and they said it had to have Happened at the dealership. I told them that the dealership was representing CPS. CPS told me to file a police report and that we'd go from their. I went to the dealership and the Finance Manager told me that if they'd wanted to they could've just kept my down payment and took the car. I even showed the finance Manager the forged Documents and he said that maybe we signed them later and I pointed out that they were Time and Date stamped by the Computer so that is impossible for us to had signed them later. Someone forged our Signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter out to XXXX, Equifax, and XXXX. However, it's been more than 30 days and the credit bureau 's failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # : XXXX XXXX, 2021. ( {$400.00} ) XXXX XXXX, 2021. ( {$380.00} ) XXXX XXXX, 2021. ( {$400.00} ) XXXX XXXX, 2021. ( {$380.00} ) XXXX XXXX, 2021. ( {$380.00} ) Original creditor : XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a report ( XXXX ), where XXXX failed to removed the derogatory late marks on my credit. XXXX is reporting on two separate accounts that I paid late, except they failed to investigate that both lease agreements were on autopay and any late payment would be due to a XXXX clerical error.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my 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 to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I APPLY FOR INTERNET PAYDAY LOAN ONLINE THROUGH XXXX XXXX ON XX/XX/XXXX. FOR THE AMOUNT OF XXXX. AND MY INTEREST RATE WAS XXXX PERCENT. THEY WOULD BE DEBITING MY CHECKING ACCOUNT EACH MONTH FOR XXXX EACH MONTH. I MADE MY LAST PAYMENT ON XX/XX/XXXX I COULDN T AFFORD TO PAY IT BECAUSE OF THE HIGH INTEREST RATE THAT THEY WERE CHARGING ME. THIS ACCOUNT APPEAR ON MY EXPERIAN CREDIT REPORT ON XX/XX/XXXX AND IT WAS SHOWING 120 DAYS LATE IN XX/XX/XXXX AND 150 DAYS LATE IN XX/XX/XXXX. STARTING IN XX/XX/XXXX IT SHOWED 180 DAYS LATE FROM XXXX ALL THE WAY TO 180 DAYS LATE TILL XX/XX/XXXX. WHY WOULD IT SHOWED THAT FOR 28 MONTHS THAT IS XXXX TILL XXXX OF XXXX. I FILE FOR BANKRUPTCY ON XX/XX/XXXX WHICH THIS ACCOUNT WAS DISCHARGE UNDER MY BANKRUPTCY ON XX/XX/XXXX. THE VIRGINIA FEDERAL COURT ALEXANDRIA DOCKET NUMBER IS XXXX. I CONTACTED BUREAU OF FINANCIAL INSTITUTION IN REGARDS TO XXXX XXXX ON THE CREDIT REPORTING ON WHY WOULD THEY HAVE MY CREDIT REPORT ON HAVING SO MANY 180 DAYS LATENESS AND I WAS INFORMED THAT THEY ARE NOT LICENSE IN VIRGINIA FOR INTERNET PAYDAY LOANS. I EXPLAIN THAT I TOOK OUT A LOAN IN XXXX AND WAS AGAIN I WAS TOLD THAT ARE NOT LICENSE IN THE STATE OF VIRGINIA.
Product: Credit card

XX/XX/year> I FILED A DISPUTE IT CAME BACK VERIFIED I CALLED COMPANY AND ASKED THEM TO SEND ME THE INFORMATION THAT THEY USED TO VERIFY THIS ACCOUNT AND THEY THEN TOLD ME THAT THEY DO NOT HAVE THIS ACCOUNT ON FILE
Product: Debt collection

I was the original owner of the account and had my ex spouse on the account as well I closed it out turned in my device and paid a termination fee of over XXXX this was back in XXXX over 7 years ago I informed my ex to turn his device in even though it was paid off but XXXX insisted they wanted it back. I have had no communication with him since and was barely informed 2 years ago the device was never sent XXXX sold the debt to AFNI who keeps reselling it back to itself every other month and keep decreasing my score even after j try and dispute it every which way because the debt belongs to my ex for not giving his half back
Product: Debt collection

On XX/XX/2024 I contacted Rent Revovery Solutions in order to settle a debt. After speaking to the employee I was told that in order to settle this debt I would have to pay {$650.00}. I agreed, and this sum of money was taken out of my account that day. I was told to call the employee back on XX/XX/2024 in order to receive a letter and see if the account was reported settled or closed on my credit. Fast forward two weeks, I checked my credit on XX/XX/2024 to see if anything had changed. The only thing that changed was the amount of money owed. The account was not closed which was discussed as the reason and goal for paying this debt. I also have never received a letter of closure or receipt stating that I paid this account. On XX/XX/2024 I called Rent Recovery Solutions back in order to request some answers. I was told that they reported it wrong to the credit bureau as well as told for the 15th time that a letter would be sent but never was. While I was met with rude, nasty, and unhelpful employees. I still attempted to handle this matter as best as possible. However, it has become out of my hands and impossible to move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several unauthorized inquiries on my credit report that have not been authorized by me. This is a state of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 2 certified letters to XXXX, XXXX, Transunion and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX XXXX XXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP
Product: Credit card

I have been a loyal customer of XXXX XXXX for a very long time. When we received the last statement and reviewed the summary it appeared to be incorrect. It appeared to rebill a payment made against the prior statement that was paid in full. The amount in question is {$330.00} for the balance due for the XXXX 2015 statement which had been paid in full. 
Assuming the payment/credits and new charges amounts were correct then the current statement was over stated by the amount of the previous period payment that was made. Thus, instead of a new balance due of {$650.00} it would be {$310.00}. 
However, if you apply the standard accounting practice of calculating charges less any credits to identify a balance for all the charges and credits on the statement without dealing with any prior payments made or your payment in full and pay over time sub accounts you get the following : Audited Charges on Statement Agreed to = {$2100.00} Less credits shown on statement ( not incl. any previous payments = ( {$1900.00} ) Balance due {$240.00} I have tried to reconcile this issue with XXXX XXXX through written and phone communication however ; to date, XXXX XXXX personal whom I have tried to discuss this issue with have not been willing to go over the detailed math with me, have deferred the issue to someone else with no follow-up and have threatened me with fees and to report me to the credit agencies if I do n't agree. 

I would not expect this treatment from XXXX XXXX. It brings into play questions regarding reasonable customer service, a resolution process that is fair and timely, trust, ethical conduct and my consumer protection against a large overbearing company that will not reasonably resolve issues without threatening a person.