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

I had XXXX credit score and was never ever late on anything. Nissan Finance on my new car did not use my auto pay on my checking accounts linked in XXXX  2023. I had 2 checking accounts linked. Both should have worked. I did not see that it was taken after a month and called them. They already blocked my account and I had to pay from my bank now directly. they were rude, and not helping at all. immediately I lost XXXX points on my credit report. They are horrible people. I disputed it but did not get any results. Still waiting to increase my score day by they and now creditors are looking at more than 16 months to get back to where I was. It is impacting my life. These people are horrible, please help on my dispute. I am never late on anything and I want my credit score back on XXXX where it has always been. Please help! 
Thanks XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

hello, i spoken to treasury yesterday and from what i was told midland mortgage received the morgagtor payment for incentive in final year of {$5000.00}. as of today midland mortgage ( the agency ) has yet to debit it to my account. I also was informed, the payment was sent bcos i met my standard guideline and stayed in home until my anniversary date of XX/XX/XXXX. i will now wait until XX/XX/XXXX to receive my monies. if i do n't see the debit coming in and credit going out of my account, i will be forced to seek legal action. as by law and right, that incentive of {$5000.00}, belongs to me the mortgager. 
i will also seek damages for stress and interest as well as my attorney fees to be paid. 
i have all documentation regarding this matter documented with midland mortgage as well as XXXX XXXX and XXXX XXXX from midland as well as treasury dept. 
i will now just wait 8 more days from today to pursue this course. 
XXXX
Product: Student loan

Hello, I took out a private student loan from ACS Education Services in 2006. Each month I have made my payments on time. They almost always apply over % XXXX of my payment to interest and not the principal, so my balance barely goes down. When I contacted them about this they responded this, and this is on their website : Q : Why is n't my balance going down even though I am making payments? 
A : Payments are applied to assessed late charges ( if any ) first, then to any outstanding interest, and finally to the outstanding principal balance. You may have outstanding accrued interest that needs to be paid off first before you will see your loan balance begin to go down. Always remember that the amount of interest paid with your payments will be higher during the initial period of repayment and gradually decrease as your balance decreases. 


Yesterday I paid {$50.00} towards my loan, and according to them my outstanding interest was {$0.00}. I am attaching a copy of that payment and it shows that they took {$12.00} to interest. So what they are doing is unethical and possibly illegal. They are lying on their website based on the statements above. Similarly, the month before just before making my payment they indicated that I had {$51.00} in outstanding interest, but as you can see, they took {$76.00} of my payment and applied it to the interest. The remaining {$68.00} went to the principal. They did not respond to my inquiry about why so much of that payment was applied to interest. And, as you can see, in almost every one of my payments, a good deal more goes to the interest. 



What they are doing is unethical and unfair. They are not applying payments appropriately, and I believe it is to get more money from the students who borrowed money from them. They need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

I am deeply disturbed by their lack of respect for my private information ; This is an act of aggravated identity theft, as the courts have already stated that they do not release this information to credit agencies. 

By 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. 

Bankruptcy : # XXXX Bankruptcy : # XXXX XXXX XXXX, Experian, and XXXX have 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 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 or 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 if the person knows or has reasonable cause to believe that the data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries on my credit report without an active account connected to them. One of the accounts is from XXXX XXXX credit card that was created on XX/XX/XXXX and the account reports closed. The other account is from XXXX XXXX XXXX created on XX/XX/XXXX. I never gave consent to either of the companies to initiate a credit transaction that created the inquiries. I contacted Equifax credit solutions and they instructed me to file a FTC report and FTC.gov transferred me to CFPB to make my complaint. Hopefully this gives a full and clear understanding to my dilemma that needs your urgent attention. I have attached a copy of a highlighted copy of the credit report with the specified items that needs to be deleted. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Checking or savings account

bank error thief stole information well fargo gave them the money and will not refund my disputed accounts
Product: Payday loan

On XXXX/XXXX/2015 I received notification from the XXXX credit reporting agencies that my credit has been pulled from cash central. I have never done business with this company. I did not apply nor authorize a credit check from cash central. I called the company and let them know. I asked for the inquiry to immediately be removed from my report. They refused. They stated I must fill out a packet and send back in further delaying the profess of removing the mark from my credit report. In researching this, I have found numerous other complaints on the XXXX that state exactly what happened to me. Seems this company does this often. I want this inquiry removed immediately from my credit report and steps put in place by this so called company that ensures it does n't happen to me or anyone else again
Product: Debt collection

I've had countless repeated phone calls on server al different numbers at gall times throughout the day and night. Also some action letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

The letters are stated with items and issues.

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 Sta
tes : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Product: Mortgage

In XXXX, XXXX I submitted a short sale application to Ditech. I was represented by a law firm. I submitted every document that Ditech requested to the law firm in a quick, timely manner. I submitted documentation, to the rep. for a total of 18 months. I had two buyers in a contract to purchase the home for the amount that was requested by Ditech. I am a senior who is facing expensive medical issues many of them are due to the stress that was associated with the long drawn out process of being denied to short sell the property. 
I have been in a financial struggle for two years. In spite of having two loan modifications, it was not feasible for me to keep the property secondary, to expensive maintenance, and high HOA fees. I am retired and have been living on a fixed income for the past 8 years. I had the home on the market in XXXX & XXXX the home appraised at {$310000.00} I have two mortgages on the home. I could have paid the home off prior to the recession and would have satisfied both loans. I retired in XXXX and kept the home for eight years until it became too expensive for me to keep. The same home in the XXXX of where I resides did not lose value during the recession the home built by the identical builder is appraised at {$400000.00} today. This is truly unfair. My home 's value plummeted to {$130000.00} during the recession. The appraised value today is {$160000.00}. 
Ditech, decided to foreclosed on the property on XXXX XXXX XXXX. I was never given a reason as to why the home was foreclosed on. I have an unheard of credit score. I have never paid a bill late or missed one. Ditech did not take my credit score into consideration. I have been treated unfairly by Ditech, for almost two years.There is no justification for not allowing me, a XXXX retired, widowed senior, who served this country for over 40 years as XXXX am a XXXX, my home which I invested my life savings into should have never been foreclosed. Now my credit record is ruined. I have requested a Deed-in-lieu however, I was informed that it is too late for Ditech to stop the foreclosure. Green Tree formerly, Dietch was fined {$63000.00} XXXX dollars in XXXX, XXXX for mistreating customers. They reorganized and changed their name to Ditech and the unfair treatment of customers, continue. I am requesting that CFPB conduct an investigation against these destructive practices that Ditech is employing against innocent American citizens especially seniors. 
Please protect me. 
Respectfully,
Product: Debt collection

While looking over my credit report I noticed a collection account for American Financial. On XXXX XXXX, I sent certified mail to American Financial asking them to verify the debt. It has been over 30 days and I have not heard back. I would like this removed from my credit report.
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days. This credit dispute is being submitted as a notification of creditors who are in violation of the XXXX XXXX during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the XXXX XXXX or do not belong to me.
Product: Debt collection

I am writing to dispute the validity of a collection account appearing on my credit reports. According to my XXXX and Experian credit reports, there is a collection account listed with the following details : Account Type : Charge Card Account Status : Indeterminate Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Payment Status : Charge-off Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX I am disputing this collection account for the following reasons : Inaccurate Reporting : The information regarding this collection account is inaccurate. I have never held a charge card account with XXXX, and I dispute the validity of this account. 
Lack of Documentation : I have not received any communication or documentation regarding this alleged debt. Therefore, I am requesting that you provide detailed documentation validating the existence of this debt, including the original creditor 's name, the amount owed, and any relevant account statements. 
Indeterminate Account Status : The account status is listed as " Indeterminate, '' which raises questions about the accuracy and validity of this entry on my credit reports. I request clarification regarding the status of this account. 
As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. If you are unable to provide sufficient verification of this debt within 30 days, I request that this collection account be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke wit h two represen tatives from  XXXX   XXXX   XXXX  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the  last five years,  but nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of  XXXX  and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  XXXX  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from  XXXX  showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX
Product: Credit card or prepaid card

There is an account reporting on my credit report from  Capital One . I already contacted then and the credit agencies to let them know someone was using my identity to open accounts in my name. But the account still remains. I did not open a  Ca  pital One  account or purchase a car with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

M & T Bank made a breach on my XXXX Credit Report profile page. When reviewing my XXXX Credit Report file XX/XX/XXXX, I was stunned to discover an unauthorized land line phone number was listed under my home and cell phone numbers. I disputed the unauthorized phone number on XXXX website & called XXXX on XX/XX/XXXX to confirm the disputed report and have the number removed from my profile page. The XXXX agent stated that M & T Bank added the unauthorized phone number one month after my husband and I took out a loan for a recreational vehicle, which would have been XX/XX/XXXX. I immediately contacted M & T Bank, the first Bank representative made a lame suggestion that the unauthorized phone number was likely a bank branch number, but the nearest branch is 129 miles from my home, and the area code is the same as mine. I hung up & called a 2nd time, requesting to speak to the Fraud department, in which the bank representative did find the unauthorized number on M & Ts file in my name. The number was removed. I wrote a letter to M & T Bank XX/XX/XXXX explaining the above and requesting HOW this could have happened. I checked the other credit reporting agencies & only XXXX had the unauthorized phone #. I check my credit reports annually, did not notice the phone number until XX/XX/XXXX. I am aware that M & T Banks ATM accounts were hacked and wonder if other systems within the bank were hacked?
Product: Debt collection

In XXXX of XXXX I visited a medical clinic called XXXX XXXX XXXX located in the City of XXXX XXXX. I had valid PPO insurance at the time. I wanted to have my blood checked. I spoke with the staff and a doctor at the facility who advised the cost would be a one time fee of {$100.00} ( which I assumed was my co-pay ). 

I did have XXXX XXXX and received a report several days later. XXXX XXXX XXXX stated I had no outstanding balance. 

I went on with my life. 

Years later, ( XXXX ) I received a phone call from XXXX collections XXXX. 

They advised me that they have been sending debt collection letters to an address I havent been associated with since XXXX. 

XXXX indicated that I owed in excess of {$1400.00} for treatment at XXXX XXXX XXXX for XXXX of XXXX. I told them I had digital proof that I had valid insurance during the visit and paid a {$100.00} co-pay. 

I offered to send them this electronically and they stated it didnt matter and that I was responsible for the outstanding balance. 

The XXXX representative also stated this could harm my credit ( which is very important to me ). 

I called my insurance provider and spoke with them. They indicated they never received any claim from XXXX XXXX XXXX. 

I visited XXXX XXXX XXXX to inquire. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. The office was closed, the telephone number had been disconnected and there was no longer a website for the medical clinic. 

To the best of my knowledge, I never signed anything indicating I owed any further amount than my co-pay which was paid. 

XXXX advised they were representing XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ) I never signed anything authorizing this company to bill me for anything. 

Taking these factors into consideration, I believe XXXX XXXX XXXX failed to bill my insurance and went out of business. 

I can only speculate XXXX XXXX XXXX used XXXX XXXX XXXX for outsourcing ( again never heard or signed documents with this lab indicating financial responsibility ) and went out of business. 

XXXX XXXX XXXX is now looking to foot the bill on unsuspecting patients of the facility which is unjust and wrong. XXXX advised there were multiple patients inquiring about similar instances. 

I advised XXXX that the debt was invalid. There is nothing in writing from XXXX XXXX XXXX or XXXX XXXX XXXX that I signed, authorizing them to charge me for anything more than the {$100.00} co-pay I paid the day of my visit. I have not seen any details from XXXX to dispute this. 

I advised XXXX I would be sue the company for damages if they attempted to damage my credit.
Product: Credit reporting or other personal consumer reports

I received my consumer reports and noticed that I have XXXX late payment on an account that I've never been late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I've never been late on payments for these accounts that I've attached screenshots inside of this complaint and on dates of ( XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to reflect paid as agreed on time as they should be due to the fact I was never late. Please see attached screenshots. 

Thanks!
Product: Credit card or prepaid card

XXXX   XXXX   XXXX ? Chase Bank account # {$4300.00}  XXXX   XXXX   XXXX . We can not make payments to the - BALANCE TRANSFERS - part of this account. We applied for a balance transfer. When the no interest time limit expired we found that there was a balance still due of {$300.00}. We thought we had paid off the balance but some of our extra payments had been applied to the purchases part of the account.     From that time on Chase would not except any payments to the Balance Transfer balance.  In   XXXX   XXXX   XXXX   the balance was {$300.00}.  XXXX , do to the fact they applied all payments to the purchases pa rt of the account the balance is now  XXXX  The interest charged is about {$96.00}. In that time we have made extra payments to the account in the amount of {$690.00}. We have paid on time or before the payment due date, we have made payments at the bank with checks marked pay to Balance Transfer only. We have made checks to Principal only and they just accept them as normal payments.     The interest on the Purchases and  Balance Transfer is the sa me 14.99 %. With there refusal to accept payments on the Balance Transfer part of the account they just keep accruing interest. We do not remember anything being said that they would refuse any extra payments to pay down the balance on the Balance Transfer part of the account.     We have made phone calls to the bank and written letters they refuse to accept the payments to the Balance Transfer. Question, How can we pay the bill? They sent a letter saying that they regret that they can not change there rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a disputed that the credit report company quickly responded stating a duplicate outdated debt will remain. After escalating the matter, the credit responded stating the debt is no longer collectable and pass the legal statue of limitation. 

However, this duplicate outdated debt that the creditor stated they " legally '' can no longer collect due to it being past statue of limitations still remains on my credit file with Equifax. The credit reporting company REFUSES to remove this invalid information from my credit file, knowing it is a violation, nor have they added a statement saying the debt is past the legal statue of limitation per law and creditor response. The creditor stated they can NOT assist because it is a credit reporting company issue and not theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN MY PREVIOUS DISPUTES TO BOTH CREDIT BUREAUS XXXX AND XXXX REGARDING USAA FEDERAL SAVINGS BANK WAS UNSUCCESSFUL. BOTH BUREAUS CHOSE NOT TO REMOVE THE INCORRECT DATA FROM MY CREDIT FILE.DESPITE SUPPORTING DOCUMENTS THAT DISPUTES THE INCORRECT REPORT BOTH BUREAUS CHOSE TO ACCEPT USAA FEDERAL SAVINGS BANK 'S DATA.AGAIN, I HAVE ATTACHED ADDITIONAL SUPPORTING DOCUMENTS TO INCLUDE THE VEHICLE TITLE SIGNED BY A USAA REPESENTATIVE DATED X/X/2011.