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

So about XXXX  years ago I went to a XXXX to get a car. I had heard good things about them not taking advantage of young people like me. I was a XXXX XXXX XXXX girl that had absolutely no guidance, no support and no protection going into this. Knowing my credit wasnt high I didnt think Id get approved for much. But I did. I got approved for a XXXX XXXX XXXX  with XXXX miles on it. It was cute and I was happy I could even purchase a car. I was approved by XXXX XXXX XXXX at a 28 % interest rate for 74 months. Not knowing that a 10 % interest rate was considered high for a car let alone a 28 % interest rate, I signed the paperwork. I asked the young man helping me at XXXX if 28 % was high and he responded with its a little high but you can refinance no problem in 6 months. But he knew I wouldnt be able to do that. No bank, no dealership, no human being with experience in purchasing a car would buy a XXXX XXXX for more than {$16000.00}. XXXX XXXX XXXX has it listed between {$2000.00} - {$5000.00}. 

On XX/XX/XXXX I paid my first payment of {$490.00} of many. I had put a {$700.00} down payment on the car at the time of purchase because that was literally all I had. I was loaned by American Credit Acceptance more than {$17000.00} for this car. With a 28 % interest if I stay on this path I will have paid more than {$35000.00} towards this car. Not to mention the full coverage insurance I pay as well. I called ACA asking them how much of my {$490.00} was actually going to the principal amount of the car. Only {$190.00} a month is going to the principal amount. The rest to interest. Ive taken all the information to the bank and they wont refinance it because the percentage is too high on their end. No car dealership will do a trade/ sale because of the massive amount on negative equity. Now I could just put a down payment on another car. But every car dealership Ive gone to, corporate or local has said a minimum of {$10000.00} would need to go down just to get out of this nightmare with ACA. I dont have {$10000.00} to put down. Most people dont. 

Something else Id like to bring to light is the fact that American Credit Acceptance has been involved in many class action lawsuits for predatory lending practices and improper repossessions. So how could XXXX work with a company that is involved in all of these legal battles that they have admitted to wrong doing on their end sell me this car with this lender? How could they sign a XXXX XXXX XXXX girl up to pay {$35000.00} in a span of 74 months on a car that is only valued at {$5000.00} when I was only making {$3000.00} a month at the time? {$30000.00} a year after taxes if I was lucky.
Product: Credit reporting or other personal consumer reports

My insurance company totaled out the XXXX XXXX XXXX that I purchased from this company and made a payment of XXXX on XX/XX/XXXX. I was told on XX/XX/XXXX by the finance department that the payment was received and that my account has been paid in full no balance left as of XX/XX/XXXX and it is closed. I checked my credit report today on XX/XX/XXXX and was informed that XXXX XXXX XXXX reported my account as a Collection/Chargeoff on XX/XX/XXXX instead of paid in full closed account.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian regarding inaccurate and outdated information on my credit report. Despite multiple attempts to dispute the errors directly with Experian, they have failed to investigate and correct the issues in a timely and satisfactory manner. This has negatively impacted my credit score and financial well-being. Furthermore, their lack of communication and transparency throughout the process has been frustrating and unacceptable. I kindly request your assistance in ensuring that Experian complies with their obligations under the Fair Credit Reporting Act ( FCRA ) to provide accurate information and resolve disputes promptly. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts on my credit report this morning, and I have no idea how they got there. I check my credit regularly, but this time, there were random discrepancies that appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The accounts were still there. XXXX really hoping that the documents Ive submitted will be looked over carefully so I can finally stop worrying about this.
Product: Mortgage

1. this lender took over the loan in XX/XX/2019. we borrowers were not notified In time to send payments to Selene/the new lender. payments were sent for former receiving lender ( XXXX  for XXXX XXXX  ) 2. now selene ignored our request to provide us copies of checks they received from loancare/Cit former lender ... .. 
3. meantime now selene has sent a notice to accelerate /foreclose on the property. 
4. we/borrowers have sent selene certified letters requesting the copies of checks selene has received from Loancare/cit former lender, but has ignored us todate. 
customer service is very rude over the phone. all they are concerned with is to foreclose on us since we have low interest on the existing loan. 
5. selene finance feels they are not covered under the government mandate to halt debt collection due to covid 19 .... who can we send the complaint about this lender about not adhering to this mandate? ..pls. give me info.I will direct addl. complaint. 
lender is Selene finance, XXXX, XXXX .... Account # XXXX borrower : XXXX XXXX Property XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Student loan

On XX/XX/XXXX, MOHELA processed and updated my employment verification on my loans ( sequences XXXX and XXXX ). This information put me over the required 120 payments as a part of the PSLF program. However, as of XX/XX/XXXX, the amount owed information on my account summary page does not reflect the forgiveness of these loans and still shows I owe an overall balance of {$100000.00}. My account summary is also showing that I have accrued {$6600.00} of interest as of XX/XX/XXXX. These amounts are incorrectly reported, with loan sequences XXXX and XXXX being forgiving ( 121 of 120 payments applied to my account ), I should have a remaining balance of {$31.00}, XXXX. The amount of accrued interest is based on the incorrect amount of {$100000.00}. I have called MOHELA to have these numbers adjusted correctly for my account on XXXX XXXX and XXXX XXXX. These incorrectly reported numbers are also inaccurately appearing on my credit report, affecting my debt-to-income ratio, thus effecting my overall credit score.
Product: Debt collection

Department of Veteran Affairs is utilizing a debt collector called Coast Professionals to attempt to collect an erroneous debt related to the GI Bill. They are incorrectly reporting this debt on my XXXX  credit report in the form of two tradelines. I repaid in full a VA debt that was incurred when I withdrew from a college course. In XXXX of XXXX I received a letter from the VA confirming this debt had been paid in full. I have proof of payment and have supplied it to both Coast Professionals and the VA. They have not removed the inaccurate collections information from my XXXX credit report. On XX/XX/XXXX I requested validation from both Coast Professionals and the VA for this debt and have received nothing.
Product: Mortgage

XX/XX/XXXX I was wrongly denied a legal loan modification agreement by Wells Fargo Home Mortgage for my FHA 30 year fixed loan. WF refused to rewrite the terms of my mortgage fairly by offering a FRAUD modification agreement under HAMP Trial Period Plan. I fairly demonstrated my eligibility during a trial period. I am requesting WFHM to provide a fair modification agreement to add the delinquent amount to my principle balance by adding 3 months to the term, keeping the same rate/not increase the rate ; along with removing {$30000.00} off of my principle balance by the XX/XX/XXXX due to their negligence or action will be placed. I will file this HUD and SIGTARP as well. 
As you can see WF offered a Home Affordable Modification Trial Period Plan ( HAMP ) Plan-see documents attached. As this program expired in XX/XX/XXXX. I contacted HUD as their confirmed this info. I informed XXXX with WF of this info 4 weeks ago as he indicated he would research as I havent heard back. Even though WF aware  of my financial struggle in trying to keep up with mortgage payments and lower income ; they never tried to sincerely and fairly assist me in a proper plan. I asked the counselor at the time XXXX XXXX if they could reconsider another program as this plan wouldnt help me WF adding SIX YEARS to my loan for being {$2000.00} short/delinquent or 2 1/2 payments behind. This seems as if its helping WF by XXXX. To XXXX due to the increase in term and rate. How would this help me? It helps WF $ $ $ $ I missed XX/XX/XXXX and XX/XX/XXXX payments due to a layoff. I contacted WF and was assigned to XXXX XXXX. I completed paper work. The fake program was offered. I also request to provide the terms and conditions along with APR, amortization as they refused to provide. The only provided the amortization and I received it AFTER they indicate they would provide before my MOD Agreement expired. I also asked to remove the MIP as they refused to remove and I am still paying on it. See attached. As you can see my payments NEVER DECREASED. My made up a lie and excuses by stating escrow increased. IT Didnt increase, My mortgage insurance and taxes DECRESED! Im exhausted with the unfair treatment and false actions and statements. Please review and let me know if my rights have been violated. Documentation is attached for your review. WF should be a part of a Class Action as WF continues to do whatever they want and I have no rights. WF never sincerely made an attempt to assist me, but bogusly sent fake info to set me up for foreclosure. Not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Transunion of unauthorized credit inquiry 's I would like them removed from my credit report. Accounts are stated below 1. XXXX XXXX XX/XX/2017 2. XXXX/ XXXX X/XX/2017 3.  XXXX/ XXXX X/XX/2017
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NOTICE TO CARECREDIT/SYNCHRONY BANK. THIS IS A FINAL WARNING TO STOP YOUR ILLEGAL, FRADULENT, UNLAWFUL AND ABUSIVE PRACTICES. FALSELY MISLEADING AND COERCE ME INTO PAYING AN ALLEGED DEBT I DO NOT OWE. ANYONE WILLFULLY AND KNOWINGLY VIOLATES MY CONSUMER RIGHTS SHALL BE LIABLE FOR HARM AND INJURIES CAUSED BY SUCH ACTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00}
Product: Checking or savings account

My direct deposit has not deposited into my account for 2 days. Capital One keeps saying they are working with a third party vendor to fix it. They have provided a resolution time and any other information.
Product: Checking or savings account

XX/XX/22, my wallet was stolen at my job by a new employee, I later found out she took it and filed a police report also disputed the transactions with all card issuers. SOFI had 5 transactions I needed to dispute totaling {$460.00} and they refunded me one of them within XXXX  days, but the other XXXX that totaled hundreds of dollars they said on the tenth business day that no error occured. I filed a police report this lady is in XXXX for debit card abuse and they refuse to look farther into my disputes and refuse to even acknowledge that this woman took all my money and XXXX says I took all necessary actions in the police report and filing charges, requesting a refund for the XXXX and disabling ym card and ordering a new one the same day as the problem occured. But today is the XXXX business day and I asked for a temporary provisional credit while they investigated and they closed my XXXX disputes saud no error occured and won't answer my emails or return my complaint calls. So now that woman may get the charges dropped even tho there is physical video evidence she used my card the bank won't say it was unauthorized because I want my money back from them and they won't respond to me when I request the paperwork they used to determine no error occured when clearly it did or the police wouldn't have arrested her
Product: Credit reporting or other personal consumer reports

I had an existing LOC on my house... the balance was XXXX for a significant amount of time. Suddenly there's a charge of $ XXXX on my credit and XXXX XXXX is putting me in default. I never used my LOC, I never charged anything, it is 100 % FRAUD. The bank can not tell me or figure out or trace how the check was written, cashed, or used online. I have no idea how the XXXX change came on my credit report/ LOC and the bank can't give me details either. I am not showing XXXX  days late on my credit report for a non payment on a charge I never did. This is fraud. Please help
Product: Credit reporting or other personal consumer reports

This complaint is related to XXXX and XXXX. The company states that they have closed my Citi Double Cash Mastercard and because it had been inactive, it was closed. I have never had a Citi Double Cash Mastercard.This response is totally fraudentlent, and I am requesting that my credit be restored. Additionaly, I demand {$5000.00} in damages, should fraudulent situation end up in superior court here in XXXX, It will beten times larger. I had consistely been inundated with mailers to sign-up for a City Simplicity Mastercard. When the mailers became excessive, that is when I signed up for this card on-line. I believe that my comnplaint is strong and I will be victorious.
Product: Student loan

I am supposed to be in deferment because I am in XXXX XXXX They are charging me {$500.00} / month in loans but Im am literally enrolled in XXXX XXXXXXXX  and sent them the information that they wanted. They are unable to provide me a timeline of when i can be deferred, which is crazy. I should be deferred. I am in XXXX i did the process, followed the directions, they are not upholding their end. They had told me 3 day turn around, then it was 15 day turn around, now they dont know. This is the third submission on t for deferment. I should have to submit 1 time. XXXX XXXX submitted deferment in XXXX. I submit in XXXX and XXXX. Nelnet is not processing it and not pausing my payments. They also didnt put me on the SAVE program that I had signed up for in the time its taking them to process my deferment. They are performing illegalities.
Product: Debt collection

Checked credit report and had a collection account listed by MRS BPO , LLC in the amount of {$160.00} Sent MRS BPO , LLC a letter on XX/XX/2023 via priority mail. 
Received confirmation that letter was delivered via priority mail. 
File a dispute with XXXX concerning the collection account list by MRS BPO , LLC on XX/XX/2023. 
XXXX completed investigate on XX/XX/2023, and no information to verify debt was provided. 
Filed a compliant with the Texas Attorney General 's office on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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. 

Account name : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I been a victim of the dark web, along with losing my identification and ssn card years ago. I'm demanding that these unauthorized accounts be blocked from my credit file. 

[ 1 ] Dept of ED/XXXX {$7300.00} [ 2 ] Dept of ED/XXXX {$3000.00} [ 3 ] Dept of ED/XXXX {$5400.00} [ 4 ] Dept of ED/XXXX {$3900.00} [ 5 ] XXXX XXXX XXXX  XXXX [ 6 ] XXXX
Product: Credit reporting or other personal consumer reports

CAPITAL ONE is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX and XX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on XXXX. 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 XXXX 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 XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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

Hello on my rental history it got payments that I already had paid so now when I fill out for apartments I get denied
Product: Checking or savings account

On XX/XX/23 {$11000.00} was transferred from my checking account at XXXX XXXX to an account that was opened using my identity ( name, SSN, DOB ). I had no knowledge of this account. I filed a fraud claim with XXXX XXXX and Midfirst Bank/Vio bank denied the claim, as they stated it was authorized. It was not authorized. I have spent the last 3 months trying to get my {$11000.00} back. XXXX XXXX claims Midfirst bank is responsible for returning the money, and Midfirst Bank claims XXXXXXXX XXXX is responsible. I spoke to customer service at Midfirst bank on XXXX was told this is being investigated, red flags were raised, it was unusual and someone from the fraud department would contact me. They could not give me the account number. I was told there was a good chance I would get my money back. No one contacted me. I called Midfirst back on XX/XX/23 and was told XXXXXXXX XXXX filed the claim incorrectly, as this is identity theft. They also informed me the account in my name had been closed. I called XXXX XXXX and they told me they submitted a new claim on XX/XX/23. I did not hear back from either bank and each bank told me to call the other bank. XXXX XXXX stated the identity theft claim should have been initiated by Midfirst bank, and they are responsible for refunding my money. Midfirst Bank stated that they did not receive the claim that was submitted on XX/XX/23. ( I received a letter of confirmation from XXXX XXXX of electronic fraud ) They also stated that the claim was submitted incorrectly, and more than 60 days had passed, so they do not have to refund my money. They stated that had the claim been submitted correctly, they would have to refund the money. Midfirst bank opened an account in my name and did not properly identify the person who opened this account, and they should refund my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Experian - Dispute Report # XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to formally request your assistance in resolving an ongoing issue with Experian XXXX the correction of my personal information on my credit report. On XX/XX/year>, Experian under Dispute Report # XXXX to have stated that the outdated addresses was removed from my credit report. Experian claimed that they updated my personal information ; however, as of today, XX/XX/year>, all of the outdated addresses remain on my credit report. 

I am frustrated and concerned that Experian has not fulfilled their responsibility to accurately update my personal information as requested. I have only one current address, which is on record, and I have already provided all necessary verification and information to Experian. I should not be required to submit this information again. 

Experians failure to correct this issue despite their claim that it has been resolved is not only misleading but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that you take immediate action to ensure Experian removes these outdated addresses from my credit report within 15 days from the date of this letter. I should not be forced to wait another 30 days for these deletions, as Experian has already had sufficient time to address this matter. 

If Experian fails to comply with this request, I will have no choice but to exercise my rights under 15 U.S. Code 1681n, which provides for civil liability for willful noncompliance with the FCRA. 

I trust that the CFPB will take swift action to resolve this issue and ensure Experian complies with federal law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX [ Signature, if sending a printed copy ]