23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Requested extension for payments my employment has been affected by the economy. 
extension was denied. I want them to work with me on my payments. Contacting others in regard to my delinquent payments. I am being harassed regarding payments. 
I have been making payments
Product: Mortgage

My home loan was with XXXX, then XX/XX/2016 sold to Caliber Home Loans, then yesterday I received mail that it was sold to XXXX. I am so confused and feeling a little uneasy. I never authorized any of this and afraid of identity theft, forced foreclosures, and scams. I am not trying to sell or foreclose on my home. I need to under what is going on. Everything I have XXXX states to be cautious. It is hard for me to get a " Live '' rep on the phone with Caliber Home Loans and talk during work hours. I am frustrated and need to know how to secure my mortgage with 1 legitimate lender to avoid this situation. I would also like to know if there are any class action litigations going on concerning any of these entities for these types of business transactions involving home owners. I feel that they are trying to take our homes. Please give me some advice in the simplest of terms. I greatly appreciate it.
Product: Debt collection

The original lender wasXXXX XXXX XXXX  Oakdale has contacted me and harassed and threatened me with lawsuit when I was unable to continue my payments. I have done research and the lender claims Tribal Sovereign Immunity. Their debt recovery company, Oakdale portfolio recovery, who also go by oakdale & Associates, called me and claimed that XXXX XXXX was suing me and that I should have been served court papers. Then they back tracked when I told them I had not been served and that there was no court case filed based on a search I did with my local court that would have jurisdiction. I made a couple of payments directly to Oakdale and then fell behind again. When I agreed to make these payments with Oakdale, they had me esign a form but the terms and conditions state that this is for the amount listed on the form, however, no amount is listed on this document except {$9.00} fee depending on the state I am in. 

I was out of the country recently and received a voicemail on XX/XX/23 alleging that there was a stop order on my scheduled location date and I needed to call Oakdale and Associates right away to reschedule. I have never received any information from Oakdale via mail or email about any lawsuit and I have not been served and theyre trying to intimidate me.
Product: Debt collection

Chase Card from 2015. 
Repeated phone calls. 
Threatening tones.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Opened A Credit Card With XXXX. Used The Card, Paid, Used It Again, And Tried To Pay It Off... The Gentleman In The Call Center Refused To Take A Payment, I Asked For A Supervisor, He Hung Up On Me. I Kept Calling Back, Trying To Submit A Payment, Again They Refused. I Caught XXXX XXXX, Lost My Job Due To Closures, And Couldn't Pay The Bill. I Made Contact With The Company, They Informed Me That The Bill Was Going To Collections, Despite My Continued Efforts All Fall & Winter To Pay It. When The Pandemic Was The Worst I Checked My Score Randomly And Saw A New {$600.00} Bill On My Report, Not Recognizing It I Did Some Digging & Found Out That It Was The CreditOne Card. Under The Name Of LVNV Funding LLC. They Doubled My Credit Limit And Slapped That Total On My Report Plus A Few Dollars. I've Tried Talking With The Company, I've Tried Disputing It. All I Receive Back Is A Statement That The Information Is Correct, It Is Most Certainly NOT Correct. Unfortunately I Lost My House, Almost XXXX, Then My 3Br Townhouse & Surrounding Complex Was Sold To A Golf Course And Every Document I Had Is Gone. Everything I Had Is Gone.
Product: Debt collection

Comenity Bank attempts to call me about five times a day, bugging me at work, lying to me about a payment plan I completed and not offering to help the debt relief. Those were three XXXX XXXX monthly payments to get the account current, waiving late fees. The late fees did not get waived and now the account is not current, they're lying about waiving the late fees, and they're not providing any help.
Product: Debt collection

Nightmare happened after I made a payment of {$1300.00} on XX/XX/2016 for the full balance on my Citi XXXX Platinum Select Business account. Previous statement due dates were all on XX/XX/XXXX. Both XX/XX/XXXX and XX/XX/XXXX payments were made on time before the XXXX due date. 
In XX/XX/XXXX I started getting calls from this number XXXX to my cell phone and when I picked up I got a voice message telling me to log on to Citi.com regarding my account. I did n't do it because I had not created online access for the account but the call frequency was just too excessive so I eventually created the online access. I got at least a call on these dates : XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX, and XXXX XXXX. The call frequency was definitely excessive. 
After logging on, I found there was a charge of {$82.00} on the account. That does not make any sense since I paid XXXX already and I did n't use the card since then. So I called the number on the back of the card ( XXXX XXXX XXXX XXXX ) and got to talk to an agent after at least 2-3 attempts, each with a hold time of longer than 20 minutes. 
I asked the agent why there was a charge and I did n't get any statements. She reviewed the account and told me that because no activities on the account so no statements went out. I explained if no statements how can I make a payment, and more importantly, Citi changed the due date randomly - it was always on XX/XX/XXXX but they arbitrarily changed the Apr cycle to an earlier date so my payment on XX/XX/XXXX would be ONE day late. The agent promised to reverse everything since no statements went out and the due date was different so I should not be responsible. 
Things appeared good until I saw the same annoying number ( XXXX XXXX XXXX XXXX ) showed up on my cell phone so I logged on the account only to discover that nothing was done to the account and it was already in another billing cycle and the charge went up to {$98.00}. 
So I called the number XXXX XXXX XXXX XXXX again and was finally able to talk to an agent after at least 4 attempts each with a hold time of longer than 25 minutes. This level of service ( or lack of ) is definitely unacceptable for a platinum business card, or any other credit cards. 
After explaining everything again to a few agents and then finally to the escalation unit, I was told I still need to pay {$12.00}. I spent over an hour on this call already. The agent was apologetic but said she can not reverse everything. I told her it was a bank error. She said she can not do anything. I told her OK I spent hours on this already and the minimum wage that I can make exceed the amount they are asking despite it was error on their side but I do n't want to waste any of my time.
Product: Money transfer, virtual currency, or money service

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

When I banked will XXXX XXXX Fees was taken out of my account. 
My account was closed
Product: Credit reporting or other personal consumer reports

To whom it may concern, There is a need to ensure that a consumer reporting agency exercises their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with exception of or if it is not there update it to the following information : Please delete all non-mailable addresses, I demand that my DOB be furnished the correct way. Delete all information in the employer section. 

Please delete all fraudulent inquiries : XXXX XXXX XXXX XXXX Processing XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : XXXX XXXX Enclosed is a copy of State ID, Utility bill showing proof of address.
Product: Checking or savings account

PNC Bank denied my dispute and removed reimbursed funds from my account and have not re-refunded me my money in the amount of two transactions totally {$260.00}. I booked a hotel XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX  XXXX in XXXX, FL through XXXX. once me any my fiance checked in and headed to our room with our luggage was shocked and terrified upon what we came in contact with. I swiped my card and turned the light on. A random, XXXX, middle-aged, big man laying on the bed in the dark with the curtains closed. He jumped up and ran out the room. We were completely horrified and in shock and went back to the front desk telling the girl at the front desk what had happened. We told her we didn't feel safe in our room and we wanted a full refund and to check out. The girl was completely empathetic to the situation and apologizing. She told us there wasn't a manager on the property at that time and to contact XXXX for the refund. I contacted XXXX which they told us only the property could release the refund. Needless to say, we left that hotel and went to another hotel for our vacation at the XXXX XXXX XXXX a half hour later. I tried contacting the property through email and number provided but they ignored all my communication attempts. I contacted their main headquarters in XXXX, MD " XXXX XXXX. '' I filed a complaint with them about this XXXX XXXX. I filed two disputes with my bank, PNC because the hotel still charged me two transactions for the room amount in the total of {$260.00}. PNC bank reimbursemed me initially upon my disputes. XX/XX/2020 PNC bank removed that money from my checking account and sent a letter of the denial of my dispute stating they had not recieved any documentation for the dispute. I faxed my same documentation again a second time with confirmation from a local PNC branch. They are still ignoring my requests and have not gave me rightfully my money back to me that they took directly out of my account without any notice. I am highly appalled with PNC bank and their customer service.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

RE: REQUEST FOR REMOVAL OF LATE PAYMENT, FCRA VIOLATION, AND CONSIDERATION OF ARBITRATION

DEAR GM FINANCIAL, 

I TRUST THIS LETTER FINDS YOU WELL. I AM WRITING TO ADDRESS A PRESSING MATTER CONCERNING MY ACCOUNT WITH YOUR COMPANY. SPECIFICALLY, IT PERTAINS TO TWO LATE PAYMENTS REPORTED ON XXXX XXXX AND XXXX XXXX  FOR THE ACCOUNT WITH THE REFERENCE NUMBER XXXX.

I WOULD LIKE TO DRAW YOUR ATTENTION TO THE FACT THAT THE LATE PAYMENTS IN QUESTION IS BEING INACCURATELY REPORTED ON MY CREDIT HISTORY. THIS INACCURACY HAS LED TO SIGNIFICANT FINANCIAL HARDSHIP ON MY PART. MOREOVER, IT APPEARS THAT THIS INACCURATE REPORTING MAY BE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT (FCRA), WHICH EMPHASIZES THE IMPORTANCE OF ACCURATE AND FAIR CREDIT REPORTING PRACTICES.

GIVEN THIS SITUATION, I KINDLY REQUEST THE FOLLOWING:

1.REMOVAL OF THE INACCURATE LATE PAYMENTS: I RESPECTFULLY REQUEST THAT YOU PROMPTLY CORRECT THE INACCURATE LATE PAYMENT ENTRY ON MY CREDIT REPORT. THIS CORRECTION IS CRUCIAL TO PREVENT FURTHER DAMAGE TO MY REPUTATION AND FINANCIAL STANDING. IT IS MY BELIEF THAT THIS REQUEST IS REASONABLE, GIVEN THE DETRIMENTAL EFFECTS OF THE INACCURATE REPORTING.

2. ARBITRATION AGREEMENT: WHILE OUR AGREEMENT INCLUDES AN ARBITRATION CLAUSE DETAILING DISPUTE RESOLUTION PROCEDURES, I WISH TO EMPHASIZE THAT ARBITRATION CAN BE A RESOURCE-INTENSIVE AND COSTLY PROCESS, PARTICULARLY FOR THE CREDITOR. IN THE INTEREST OF PRESERVING A POSITIVE BUSINESS RELATIONSHIP AND MINIMIZING UNNECESSARY EXPENDITURES, I HOPE TO RESOLVE THIS MATTER AMICABLY AND AVOID RESORTING TO ARBITRATION.

I GENUINELY HOPE THAT WE CAN REACH A MUTUALLY BENEFICIAL RESOLUTION BY ADDRESSING THIS ISSUE PROMPTLY AND EFFICIENTLY. BY CORRECTING THE INACCURATE REPORTING, WE CAN UPHOLD THE PRINCIPLES OF FAIR CREDIT REPORTING AND AVOID UNDUE FINANCIAL AND LEGAL BURDENS.

I KINDLY REQUEST THAT YOU RESPOND TO THIS LETTER WITHIN 15 DAYS TO CONFIRM YOUR COMMITMENT TO RECTIFYING THE INACCURATE LATE PAYMENT ON MY CREDIT REPORT. YOUR COOPERATION IN THIS MATTER WILL BENEFIT BOTH PARTIES AND ALIGN WITH THE PRINCIPLES OF FAIR AND ACCURATE CREDIT REPORTING.

I PLACE SIGNIFICANT VALUE ON OUR BUSINESS RELATIONSHIP AND THE OPPORTUNITY TO MAINTAIN A POSITIVE CREDIT HISTORY. SHOULD YOU REQUIRE ADDITIONAL INFORMATION OR DOCUMENTATION TO FACILITATE THE RESOLUTION OF THIS MATTER, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX. I APPRECIATE YOUR ATTENTION TO THIS IMPORTANT MATTER AND ANTICIPATE A FAVORABLE RESPONSE.

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

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was issued a loan by Chrysler Capital Santander on XX/XX/XXXX. I am on a fixed income and XXXX. I went back a few days later to opt out of the service contract to lower my payments. Since then the dealership XXXX XXXX has been replaced by XXXX  XXXX. I noticed years later that they changed the percentage rate from 10.50 to 16.90. My loan defaulted on XX/XX/XXXX. I filed a complaint on XX/XX/XXXX with the State Attorney General and received a letter XX/XX/XXXX acknowledging that they were aware of Santander Consumer USA unlawfully funded auto loans that they knew were likely to fail. I recently obtained copies of my credit reports XX/XX/XXXX and on the XXXX  report it states Debt Buyer Account from XX/XX/XXXX to XX/XX/XXXX. I've been struggling but made those payments and partial ones. I have gotten a few extensions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had been requesting a copy of my credit, loan application from them because I believe the Dealer altered my application by inflating my income to get an approval without my knowledge. I am on a fixed income ( negative residual income ). I was unaware that they used an internal score and power booking to approve me for the loan. I was never notified and that was even admitted to in the lawsuit. Had I known that I would have taken a loan out with my bank. The Dealer was being dishonest and misrepresented me by giving me a loan that they knew I could not pay. I even traded in my old jeep for this new one. In the meantime I'm emailing, calling requesting a copy of the credit, loan application on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX twice. They kept telling me that they sent it on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and to look in my spam folder. What they were emailing sending were copies of my payment history and 2 hard copies of my contract which I already have. Still no copy of credit loan application. I called the new dealership spoke to someone named XXXX he said all the records were destroyed since the new dealership took over. But on XX/XX/XXXX I recieved an email from XXXX XXXX from XXXX  XXXX stating that I had been selected for their Vehicle Exchange Program Really? They claimed to not have my credit loan application or any information because it was destroyed. So I continued to wait for a copy of loan credit application but instead I got a statement stating no valid phone number. My phone number is still the same and they put this account on my credit reports. XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, and XXXX  XX/XX/XXXX. My credit is ruined because of this. They were wrong to do this without all the facts and trying to work something out with me. So how can I have a contract with them if my information has been destroyed? I have called them numerous times and have gotten up on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX twice. I need for this to be sorted out and resolved. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter from Citi congratulating me on my new Citi Rewards card. I never applied or even intended to do so. I have zero accounts with Citi, so I was confused by the letter. Called them right-away and asked for the account to be closed. I'm still waiting for the affidavit I was supposed to received via email. I now have a hard inquire on my credit report from Cbna from XXXX XXXX, 2019, which does not belong to me, and they can't do anything about it.
Product: Debt collection

I was called XXXX from XXXX to XXXX and then they stopped emailing suddenly. On average I would receive a call XXXX times daily and it made me change my phone number that I had for over XXXX years. I paid off all of my debt in XXXX because of my XXXX XXXX XXXX and was planning on using the XXXX money for that. Once I logged into sallie mae my loan wasnt there and I realized they hadnt contacted me since XXXX. Once loan payments paused because of XXXX  I didnt know if it was forgiven or what had happened. Now in XXXX, I got a letter saying they sold it to collections and Im being sued. The last email I received from sallie mae never informed me of when or who they were selling it to and I was blind sided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in 2019 but did not list creditors. I changed my mind about filing bankruptcy and 11 days after filing, it was dismissed by the bankruptcy court. I never pursued bankruptcy, never identified any creditors, and never dealt with the trustee. It was dismissed and should have been treated like it was never filed given that no action was taken on it whatsoever. The bankruptcy is being reported to the credit bureaus via XXXX XXXX, not the bankruptcy court itself, which means a third-party with no knowledge or verifiable information is providing it. Also, my full social security number has not been provided so the credit bureaus do not know if the information is accurate or not but are still putting it on my credit report. I never went through with any aspect of the bankruptcy process. Therefore, my credit report should not reflect that I have a bankruptcy on my record. The third party reporting, lack of identity verification are prohibited by the Fair Credit Reporting Act. My rights are being violated by XXXX, Equifax, XXXX, and XXXX XXXX.
Product: Credit card or prepaid card

In XXXX XXXX XXXX  a fraudulent account was opened in my name, at an address I've never lived at. I contacted the bank that opened the account, and they have closed the account. However, the identity thief charged {$77.00} to the account before we were able to find out about it. It was pure luck that we found it, as my husband found it during a routine check of my credit. We never received a statement obviously, because the address associated with the account was also fraudulent. 

The XXXX credit bureau recommended that we file a notice with the FTC, but the FTC directed us here.
Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Capital One Charge-Off and Non-Issuance of 1099-C To Whom It May Concern, I am writing to formally lodge a complaint against Capital One regarding a charged-off account reported on my credit file. I have repeatedly contacted Capital One to request the issuance of a Form 1099-C, as required under the Internal Revenue Code, but have not received any resolution despite multiple attempts over an extended period. 

Pursuant to 15 U.S.C. 1681 ( Fair Credit Reporting Act ), consumers are entitled to accurate and fair reporting of credit information. Furthermore, under IRS guidelines, when a debt is charged off, the creditor is typically required to issue a Form 1099-C if the debt meets specific thresholds for cancellation. This failure to provide a Form 1099-C has caused considerable personal and financial stress, as I need this documentation for my tax filings. 

Additionally, I have observed that Capital One continues to report late payments on this charged-off account each month. Once an account is charged off, the addition of late payments contradicts accurate reporting practices and unfairly penalizes my credit standing, further exacerbating my difficulties. 

This unresolved issue has had a profound and stressful impact on my life, preventing me from moving forward with purchasing my first home for my family. I request the CFPBs assistance in ensuring Capital One complies with its legal obligations by : 1. Issuing the Form 1099-C for the charged-off debt.

2. Ensuring the account is accurately reported on my credit file without further monthly late payment notations. 



I respectfully request a resolution to this matter within 15 days from the date of this letter. Please let me know if further information is required to expedite this process. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Student loan

All of this information is available in my account. I applied for Public Service Forgiveness on XX/XX/ with my employer verification. I am showing 120 qualified payments which should qualify me for discharge. I received a denial letter on XX/XX/ even though I met all requirements. I called on XXXX the lady I talked to saiid it was an erroneous letter and I was being sent for final approval which could take up to a month. It has been a month. I have sent Mohela three messages beginning in XXXX and received one form email that addressed none of the issues. Mohela has no capacity to answer the phone or messages.
Product: Debt collection

I called them yesterday since they filed a lawsuit against me. I have NOT been served but I am getting letters from attorneys that want to defend me. When i called yesterday XX/XX/year> at XXXX to phone number XXXX, the guy told me that if I wanted the information about the creditor that they are suing me for I have to pay for it! He asked me for my credit card number! I have never gotten anything from this company, so I have no idea who they are or who they are trying to collect for.