23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Private student loans vs. Federal student loans. This country needs to come up with the option to make private student loans converted over into Federal student loans! Us people who were foolish enough to go to college on private loan money are left with wayyyy less options than people with Federal student loans. It 's not fair. I was a naive XXXX year old kid without a clue to what I was doing and this country 's educational system took advantage of me like they are doing to thousands of others. Something needs to be done and it needs to be done now, it 's a short life on this earth, why make it so hard?
Product: Checking or savings account

I sold a phone on XX/XX/XXXX and used cash app to receive the money. On XX/XX/XXXX this person requested a fraudulent refund and they took the money out of my bank account. Ive contacted cash app multiple times and havent received a response on this matter. Ive filed a police report and fraud charges through my bank account.
Product: Debt collection

Fraudulent Reporting to Credit Reporting Agencies of Debts I Do Not Owe. 

This collection agency is in violation of FCRA 1681s-2 for fraudulent and inaccurate reporting of debts.

Collection agency failed to comply with the Fair Debt Collection Practices Act ( FDCPA ), formally known as and codified under 15 USCA 1692 ( a-p ). This company failed to provide me with the following information : 1 ) Collection notice about the debt ; 2 ) Proof that I owe this debt ; 3 ) How this amount has been calculated in a way I can understand ; 4 ) Copies of papers or documents where I agreed to pay what you say I owe ; 5 ) Proof that they are licensed in CA, and license number.
Product: Vehicle loan or lease

I am an XXXX lady, and two years ago I bought an RV. Recently, my husband passed away and I fell behind on the payments. For the past four months, I have been sending checks on a weekly basis to make it easier for me to catch up. I had noticed but when I received this month 's statement, I noticed that all the payments I have been sending to them, I would get an extra charge for the same amount ( I have attached a copy of the statement ). For that reason now I have like {$3000.00} in pending balance. To me, this is abuse of an elderly person that is trying is harder to bring my account to good standing. Bank of America wants to penalize me somehow by robbing the payments that I have made for the past 4 months. This is fraud. Please help!
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information Under 15 U.S. Code 1681o- 15 U.S. Code 1681o - Civil liability for negligent noncompliance- I hope this message finds you well. I am writing to formally dispute certain information in my credit report that I believe is inaccurate. According to 15 U.S. Code 1681o, I have the right to dispute information I believe is incorrect, and I would like to exercise that right.

The details of my dispute are as follows : items where taken of then brought back in another name also items where improperly investigated and are no longer suppose to be on my report. 
{$2200.00}, {$1200.00}, {$9600.00}, {$1000.00} I kindly request that you investigate this matter and correct the inaccuracies at your earliest convenience. I am eager to resolve this issue promptly and appreciate your attention to my request. 

Please let me know if you require any further information from my side to assist in your investigation. 

Thank you for your cooperation and support in rectifying this matter. 

Warm regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. XXXX pledging us as collateral to back government debt. 
XXXX XXXX XXXXXXXX the government has obligation to discharge and settle debt we may incur
Product: Debt collection

I have owned this timeshare with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  since   XXXX  . At the time of the purchase the sales reps told me it would increase in value. This, they told me, was a certainty. At the time of purchase the sales reps also told me I would be able to sell it with no problem. The timeshare is now paid for. I have tried to sell it on mor e than one occasion. These attempts have resulted in further monetary loss and no sale. The two  big selling points for me have proven to be lies told by the sales reps to make the sale. I am now  XXXX   years old.  I am no longer able to travel and can no longer use this timeshare for a multitude of reasons. Because I can not sell it and the maintenance fees have proven to be a hardship, I want the contract canceled now.  XXXX  will be able to put this timeshare back in inventory and sell it again. It is to their financial advantage to do so. They will have revenue from the sale, the mortgage, maintenance fees, and other fees that I will not be paying for any longer. I want the paperwork to cancel this timeshare. I have contacted them about relinquishment but they refuse to listen and furthermore state that they do not accept relinquishment. My last letter to  XXXX  and  Sonnenschein Financial was mild and considerate and nice in my elderly-lady way. Sonnenschein Financial  is demanding I pay maintenance fees and other fees on this timeshare I have owned for 25 years. I am not paying anybody anything. The timeshare is paid off. It is paid for. I owe no more money on the contract. It is paid in full. There is no past due amount as the note is paid in full. I own this. It is mine. Paid. Off. I am not paying the maintenance fees. I am not paying any fees ever again. I will accept the  Mutual Release they spoke about in their last letter with these provisions : 1. I will pay them no money. 2. They will not damage my credit in anyway. 3.  I ask for no refund since I have had this timeshare for 25 years.
Product: Checking or savings account

I am formally writing to express my concerns of the deceptive practices performed by Capital One, when they offered their 360 Savings, with 4.3 %. Capital One then froze the rate to 0.3 %. This was being advertised as a high interest savings account. Then provided a deceptive option, " 360 Performance Savings '', without notifying users of the options. I was cheated and robbed by this deceptive practices.
Product: Credit card or prepaid card

XXXX17. So this all happen today from about XXXX XXXX to now ( XXXX XXXX ) I decided to use the check deposit feature on my NetSpend account because my new job only gives out checks for payday. So since direct deposit was n't an option, I decided to try to load my check into my account through the NetSpend app but unfortunately it only made things worse. I do n't have a car, it was too hot for my XXXX self to take the bus, so I figure this app feature is a viable option for me.
The app basically malfunction on the part after voided the check, hence preventing me from loading it in my card or cashing it in person.
I first called NetSpend angry and they directed me to XXXX XXXX. Supposedly, when I called XXXX XXXX ( who is partnered with NetSpend to do this mobile check load ), my picture was " blurry '' and the black ink was not bold enough ( when writing VOID ). But I only got a messages that read that indicating my account history, not the picture. Once I figured out what " account history '' meant, the 1st XXXX XXXX specialist told me that my account is fine and I attempted to try sending the voided check. But now the app is starting to reset frequently. After it stop doing that, everytime I attempt to take a picture, the screen goes away and an error message reads " detection error '' ... Unfortunately, when I called NetSpend to confront their issue on the app, all the account rep did on the phone was try to redirect to XXXX XXXX to help fix the issue. I basically going no where with two company blaming one another not trying to resolve the issue. What 's worse is that when I called NetSpend to speak directly to someone who would be responsible. For the app, the customer service rep kept giving XXXX XXXX information. I need bus fare to go to work and these companies are preventing me from accessing my money and they do n't even care.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.In accordance with the Fair Credit Reporting act. 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.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. 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.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX  [ XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint and Cease and Desist Order Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and TransUnion Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint and issue a cease-and-desist order against XXXX for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and TransUnion for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX  reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, XXXX continued to furnish information related to my account to XXXX, XXXX, and TransUnion, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

Furthermore, XXXX unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX has failed to provide me with a XXXX for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX has breached its own terms and conditions by sharing my information with non-affiliates, XXXX XXXX XXXX XXXX, without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of 1974. 

Moreover, XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and TransUnion, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, XXXX, and TransUnion. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX, XXXX, XXXX, and TransUnion regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have been trying to get a loan modification Since XX/XX/XXXX through SPS Servcing. My interest rate is XXXX percent. I own XXXX XXXX   in Ca and was forced by the Govenor during covid to close them. I requested a forebearance plan in XX/XX/XXXXduring covid. I then applied for a modification in XX/XX/XXXX. My servicing company and Investor for the loan have not made any atempts to modify my Loan and keep postponing a decision by repeatedly asking me to verify the same information over and over again. My mortgage company has said they will balloon ALL payments missed and have not made any attempts to lower my monthly payment nor give me a trial modification with a reduced interests rate. I am a single Mom and have XXXX children. XXXXXXXX XXXX XXXX. My goal is to keep my home as I continue to work to keep my XXXX in California viable during the Covid pandemic and moving forward.
Product: Mortgage

My name is XXXX XXXX, I submitted a complaint previously against Ocwen Loan Servicing, my loan # XXXX. My complaint to the CFPB is case # XXXX, Ocwen replied to my complaint stating that they offered me a proposed mortgage modification with a balance reduction in XX/XX/XXXX and that I did not respond to the trial payments offered to me. Attached to the response was a copy of great offer that I never received by mail. I would have taken that offer! According to the response, I missed my chance and now my home went to sale XX/XX/XXXX. I objected to the sale and I am awaiting a hearing. Since XXXX XXXX XXXX, I disputed Ocwens response on the CFPB portal and I have not received a response to my dispute as of today, XX/XX/XXXX. My case is currently open and certificate of title has not been issued back to the lender. In my dispute, I explained to Ocwen that I never received the offer, and I wanted to know how they can say they sent me the offer without any proof of certified receipt and how they can give me a modification in XX/XX/XXXX when at that time I did not even fill out a modification application? I called Ocwen direct, and they had no record of an application that was filled out by me, and they have no certification of proof it was sent to me because they claim it was sent by regular mail. In my initial complaint with CFPB I also posted theemail exhanges I had with the plaintiffs attorney regarding a resolution by loan modification days before my trial on XX/XX/XXXX. The Plaintiffs attorneys asked me how I would like to resolve the matter and gave me a choice of loan modification. I immediately responded that I wanted a loan modification the same day on XX/XX/XXXX to XXXX XXXX, Contested Paralegal to XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I never got a response back since then. All I want is a fair modification to keep my home, but I am not getting any responses regarding this matter from Ocwen or Attorneys for Plaintiff, XXXX XXXX XXXX case XXXX XXXX. I could not respond to a loan modification offer I never received and I would like to get that offer from Ocwen again. 
Please respond on this site. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl. XXXX, phone XXXX. XXXXXXXXXXXX
Product: Debt collection

Credit Collection Service XXXX XXXX XXXX XXXX. XXXX, MA XXXX Subject : Collection Agency Violating Consumer Laws Dear Sir/Madam, I am writing to dispute a collection debt that has been placed on my credit report by your Agency, Credit Collection Service , regarding an alleged debt. It has come to my attention that your agency violate my consumer protection laws, including but not limited to the following : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Despite my request for validation information pursuant to this regulation, you have failed to provide the necessary validation of the debt, yet you have proceeded to place this debt on my consumer report. This action is in direct violation of the requirement to provide validation information upon request from the consumer. 


Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been afforded the opportunity to dispute the account in question in accordance with this regulation. It is my right as a consumer to dispute any inaccuracies or discrepancies regarding the alleged debt, yet your agency has failed to provide me with this opportunity.

Violation of Consumer Rights : Your agency has engaged in false, misleading, misrepresentation, and deceptive practices in its collection efforts. These actions constitute a clear violation of consumer rights and protections.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : Your agency lacks the authority to furnish any account to a consumer reporting agency without providing all required disclosures by law. By furnishing this account to a consumer reporting agency without adhering to the necessary disclosures, you are in clear violation of these regulations.

I demand that your agency cease all collection activity related to this alleged debt until such time as you can provide proper validation information and afford me the opportunity to dispute the account in accordance with the law. Furthermore, I request the immediate removal of any negative entries related to this debt from my consumer report, as they are inaccurate and misleading. I am also requesting the purchase agreement between your Agency and the original Creditor, and also furnish proof that you are licensed and bonded. 
Failure to comply with these requests will leave me with no choice but to pursue further action, and seek legal recourse. 

Sincerely, your
Product: Debt collection

XXXX XXXX  sold my debt to Midland Credit Management ( MCM ). The agency has called me multiple times daily, often using different numbers, and has pressured me into an untenable payment arrangement. I attempted to settle my debt in good faith, offering to pay 50 % of the owed amount in four payments. However, the agency pushed me into an unaffordable arrangement of {$1000.00} in two payments. When I tried to renegotiate after realizing I could not meet these terms, they flatly refused any further discussion. 

Despite my efforts to communicate and negotiate reasonably, MCM has shown no willingness to engage in meaningful discussions. They rejected my attempts to find a solution that would allow me to fulfill my obligations without undue hardship. Instead, they opted to pursue legal action as a means to pressure me into paying the full amount plus additional costs. 

When the agency initiated a lawsuit against me, they refused to mediate, offering only a " best offer '' of full payment plus court costs. This demonstrates their intent to use the legal system not as a means of achieving a fair resolution but as a tool to intimidate and extract the maximum possible payment. Their actions appear to be motivated by a desire to wield the legal system as a hammer, leveraging the threat of a trial to force a settlement on their terms, regardless of my financial situation or ability to pay. 

As a single mother with a XXXX XXXX XXXX the agencys tactics have caused significant emotional and financial distress. I live paycheck to paycheck, and their refusal to negotiate in good faith has made it nearly impossible for me to manage my finances responsibly. Their aggressive pursuit of legal action, rather than seeking an amicable resolution, has further exacerbated this stress. 

I am requesting that the CFPB investigate MCM for potential violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding their bad faith negotiations and abuse of the legal process. I ask that the agency be held accountable for its actions and be required to engage in fair and reasonable negotiations to resolve this matter without further abuse of the legal system.
Product: Debt collection

In XX/XX/XXXX, I leased a rental unit from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. They imposed a MANDATORY rental ( insurance ) bond that had to be paid by me ( tenant ) in addition to a full {$1200.00} security deposit ( one month 's rent ). The rental bond was purchased through XXXX for {$350.00} and it's purpose ( as told to tenants ) is to protect us and so XXXX XXXX can be reimbursed through the bond in the event that I did not fulfill my lease or damaged property. I was told if a claim is filed and paid XXXX would seek reimbursement from me prior to forwarding to a collection agency. My lease ran from XX/XX/XXXX - XX/XX/XXXX. I moved out XX/XX/XXXX XXXX XXXX XXXX after providing a 30 day notice. Due to XXXX  - family members lost housing and landed on my doorstep. Management confirmed it would be a violation of my lease for them to stay at my apartment so I had no choice but to lease a bigger rental space. 

I moved on a weekend. There was only an assistant in the office who stated I would receive my ending balance or refund due in the mail. I was expecting a refund since the apartment was left in mint condition ( I have video ) and I would only owe pro-rated rent for my XXXX  days in XXXX. In XX/XX/XXXX, I discovered a collection for {$3400.00} on my credit report. My complaint today is for the following reasons : 1. Property failed to contact me or mail/send a Notice of outstanding balance due. They were provided with my forwarding address. 

2. The required claim was never submitted to XXXX to recover outstanding balance. The property was legally obligated to file a claim for any balances owed otherwise why mandate tenants buy the bond. 

3. The outstanding balance was sent to a collection agency/reported to all credit bureaus without allowing me the opportunity to be made aware of, pay or dispute the alleged balance. 

4. XXXX XXXX charged an unfair and excessive " Late Notice Fee '' of {$2400.00} as a fraudulent attempt to keep security deposit ( lease requires 60 day notice ). Pro-rated rent and utility totaled approx. {$1000.00}. XXXX did not apply any of the {$1200.00} deposit paid towards the balance. My unit was immediately rented after my move-out so the late notice fee charged is not justifiable. 

5. XXXX XXXX mandate tenants purchase these rental bonds for their protection in case of lease breach or default but do not file claims because it results in a kickbacks/profits for the property if minimum claims are filed.