23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

With guidance from the Nelnet servicer, I applied for IDR plans without results. Aim was to lower the payment amount to one that suits my income and expenses. Multiple attempts throughout XXXX were made to this end. These efforts are all well documented on both Student Loan gov't site and Nelnet. For example on XX/XX/XXXX, I spoke with rep XXXX who agreed to lower my Nelnent payents to {$230.00} monthly, ref # received : XXXX, did not result in this confirmed payment. I continue to be billed for payments exceeding XXXX $ each month. Per Nelnet guidance, the SAVE application was completed in XXXX of XXXX to lower payments, but was denied for reasons not clarified by servicer. Inbound emails received from XXXX for additional assistance, prompted my replies, but were never acknowledged. 

In conclusion, I aim to pay XXXX $ on my private student loan and separate payment of XXXX $ toward my federal student loan on a monthly basis. However, I am not permitted to do so. It appears, my only payment options are limited to deferment, forebearance, or pay the full XXXX and XXXX respectively. Lastly, I am a XXXX XXXX XXXX XXXX  that has not received the feedack solicited for loan forgiveness and lowered monthly payments. You feedback and assistance would agreatly appreciated.
Product: Checking or savings account

I am filing a complaint against HSBC Bank USA for gross mishandling of my finances, a lack of transparency, and a failure to locate my funds. I had over XXXX XXXX XXXX dollars saved in different HSBC accounts. 

Issues began when a new person assigned to me as financial advisor/FA, noted that I had several open accounts and, in an effort to simplify my money, the Financial Advisor stated that she would merge my funds into one account. I agreed because the FA promised that this would make managing my funds easier. Following this, I noticed that the funds in the account did not reflect the total amount of money she had prior to the merging of accounts, by a dramatic margin. As such, I requested clarification from the FA in order to locate the funds. The FA has refused to clarify where my funds are. At times, the FA has refused to speak with me altogether. 

Separately, when I expressed my disagreement with investing my money, the FA pressured me into doing so, claiming that it would help grow my money. To date, I do not know where those funds are. 

I have tried to seek assistance from other HSBC staff but unable to get far as the financial advisor interferes with my attempts to receive clarity.

HSBC claims that I do not have an open account with them and can not locate any of my previous accounts. However, I have documentation/bank statements proving her several accounts with HSBC and the balance amounts. 

I am requesting an investigation into HSBCs handling of her funds and assistance recovering my lost funds which total over $ XXXX.
Product: Credit reporting or other personal consumer reports

IVE RECEIVED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.
Product: Debt collection

I moved to XXXXXXXX XXXX XXXX  during the pandemic I had lost my job and my family was evicted. So what is this I owe never heard of Spring Oaks Capital the property owner contacted my family about Mail coming for me and it need a to stop because its Rental property.
Product: Credit reporting or other personal consumer reports

This is a request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). I'm asking for proof of my obligation to pay and evidence that I am the party you're seeking payment from. This isn't a request for verifying my address, but a formal demand for validation. 
If your company or the company you represent continues to report invalidated information to credit bureaus, it may constitute fraud. I'm prepared to take legal action for any violation of the FDCPA.

If you're able to provide the required documentation within 30 days, I'll review it. During this period, all collection activities must stop. If you fail to respond, all references to this account must be removed from my credit file.

Please provide the following : Agreement authorizing collection on this debt.

Agreement with my signature agreeing to pay the creditor.

Any insurance claims or judgments related to this account.

Creditor 's name and address.

Debtor 's name and address.

Alleged account number, debt amount, and payable date.

Verification of debt assignment or sale.

Detailed accounting of the debt.

Commission information for successful collections.

If any part of this request is incomplete, it will not be considered. Please allow 30 days for processing once I receive this information.
Product: Debt collection

This company has diministrated harassment by called over 8 times within 2 days ( XXXX  XX/XX/XXXX & XXXX  XX/XX/XXXX ) for a payment of a statement dated XX/XX/XXXX, it has been only XXXX  days, this account has never been over 30days past due. As the contract is being reviewed and investigated for fraudulent and deceptive practices, it is imperative that this company refrain from further harassment. Per the fair debt collection practice act ( 15 USC 1692 ) they have already exhausted the 7 in 7 rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

spoke with Equifax on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on Equifiax and Transunion XXXX Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with AVANT XXXX XXXX XXXX XXXX SUITE XXXX XXXX, IL XXXX ( XXXX ) XXXX In XXXX I had financial hardship and the loan went into default. Now I am trying to pay off debt and correct errors on my credit. Every month Avant is reporting a late payment instead of reporting the account as a collection/charge off. They are violating the law and causing me intentional harm. According to the law this should have charged after 120 days.
Product: Prepaid card

Bank of america/edd I am got the first car that they send to me I wait for about twoXXXX  morning, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I call to bank of America Customer service And file dispute I call to check on my dispute status update and they told me still in progress.and I be waiting for the about almost 3 years already
Product: Credit reporting or other personal consumer reports

Subject : Discrepancy in Credit Report Information - Request for Assistance Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a discrepancy in the information contained within my Equifax credit report. My name is XXXX XXXX, and I have encountered an issue where Equifax has refused to delete accurate information that both XXXX and XXXX have already removed from their respective reports. Despite the accuracy of my dispute and the actions taken by the other credit bureaus, Equifax has failed to rectify this matter, causing undue stress and potential harm to my financial standing. I kindly request your assistance in resolving this discrepancy promptly, as it is affecting my ability to access fair and accurate credit reporting. Any guidance or intervention you can provide in this matter would be greatly appreciated. Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Debt Validation Request Account Number : XXXX Dear Sir/Madam, I am writing to formally request validation of the debt you claim I owe under the account referenced above which is currently being reported to my credit profile. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). Please provide the following information : 1. Purchase Agreement : A copy of the original purchase agreement or contract that I allegedly signed, establishing my legal obligation to this debt.

2. Cancellation of Debt : Documentation showing whether this debt has been canceled, settled, discharged, or otherwise resolved, and the date this occurred. 
3. Chain of Title : Documentation showing the chain of title of the debt, including all parties that have owned the debt, from the original creditor to your company, and proof that you have the legal right to collect on it.

4. Last Payment Made : The date of the last payment made on this account and an itemized statement showing the payments made and the balance at that time.

5. Judgments : Please confirm whether there are any judgments associated with this debt, and if so, provide the details of the judgment, including the date of the judgment and the court where it was issued.

Statute of Limitations : Confirm whether the statute of limitations has expired for this debt. If the statute of limitations has expired, I request that you cease any further collection efforts, including reporting this debt to the credit bureaus.

Under the FDCPA, you are required to provide this requested information within 30 days of receiving this letter. Until you provide validation of this debt, you must cease all collection efforts, including reporting this debt to the credit bureaus.

If you fail to provide the requested documentation or can not substantiate this debt, I request that you remove this debt from my credit report immediately, in accordance with the FCRA ( 15 U.S.C. 1681s-2 ( b ) ).

Failure to provide this validation and/or continued reporting of an inaccurate or unverified debt may constitute a violation of the FDCPA and the FCRA. I will pursue appropriate action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 
I look forward to your prompt response and resolution of this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Requested information about the debt from debt collection company and Transunion Received letter dated XX/XX/XXXX Debt collection " confirmed '' and remains on credit for debt owed to XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Balance {$130.00} ( attached ) Requested for TransUnion to reinvestigate the debt. 

Received letter dated XX/XX/XXXX stating the investigation of the dispute is complete and has been confirmed. 

This is NOT my debt. I have never banked with XXXX XXXX XXXX. I am requesting that this debt be removed completely from all my credit reports and any other documents which may include this false information.
Product: Mortgage

Initially a construction loan through Trustmark National Bank ( land owned by us ) when we finished building the bank strong-armed us into an in-house loan product with a balloon paymnent due in 7 years. It was never explained to us why we were given this type of loan or why we didn't qualify for a conventional loan. We had qualified through another local bank for a FHA loan but went with XXXX due to our builder recommendation. We had a modification due to loss of job and this is when we learned of the in-house loan and not a FHA loan. I had applied for several federal programs to assist us since I was going back to school for XXXX but they weren't available to me due to our loan type. Even when the modification was given it was never explained to us that we had a balloon payment loan. 
I feel that we have been unfairly targeted because of race. 
Also, the current balance has increased to more than what we initially borrowed for the mortgage and this is after almost eight years of mortgage payments.
Product: Debt collection

As of today, XX/XX/2023- Hyundai Motor Finance has continued to bully and violate my rights by false, deceptive and misleading communication via credit reporting agencies. 

Received notice via email from XXXX XXXX and XXXX that there is a balance increase inserted by Hyundai Motor Finance. However, per the credit reporting agencies- this was charged off as a loss. Basically, Hyundai Motor Finance no longer owns the alleged debt- it was sold. 

I sent Hyundai Motor Finance a notice via XXXX and it was received on XX/XX/2023. 
20 days has passed since notice was received and I have not heard from Hyundai Motor Finance through any medium. 

I am requesting Hyundai Motor Finance to comply with notice in which they received, provide the company charge off was transferred to, the amount of charge off and any other documentation pertaining to this should be addressed accordingly. 

Hyundai Motor Finance can no longer use the cease & desist as a way of not communicating with me. They violated the cease and desist a long time ago. 

The violations go beyond the FCRA at this point. 

Thank you.
Product: Consumer Loan

Went to XXXX XXXX XXXX in XXXX TN to purchase XXXX XXXX. When it came time to get with finance dept. the gentleman XXXX XXXX XXXX ) helping/robbing me told me I HAD to purchase extended warranty to get any financing. He added a {$1500.00} " XXXX XXXX XXXX premium to my contract. I had purchased from this dealership previously and was told the same thing. At that time I did n't think to question it. That finance guy was XXXX XXXX, who I just learned was been promoted to management of the dealership. Guess I know why. Sells exorbitant policies to people every chance he got to increase his sales and commissions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan from XXXX XXXX from XXXX of XXXX I paid the loan off in XX/XX/XXXX. 2 years ago I informed Equifax via complaint that it was over XXXX XXXX XXXX and needed to be dropped from my credit report just like it was dropped on XXXX after 10 years Equifax stated to me that it's correct and put a date that is still good of XX/XX/XXXX which is incorrect because it was already paid for 10 years with a XXXX balance it's now 12 years and it's still on my Equifax report I tried to file another complaint but they would not allow me to I called them they were useless and did nothing to help can you please help me correct this thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX BANK XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$11000.00} XXXXXXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XX/XX/2020
Product: Credit card or prepaid card

On XX/XX/2021 I received an alert from XXXX XXXX that a hard inquiry was attempted from XXXX XXXX from Bank of America but was blocked due to my having a freeze on my credit bureaus. I called Bank of America at XXXX and spoke to XXXX who took my ss # and then transferred me to the Fraud department where I spoke to XXXX who said he was in the XXXX TX region. their address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I explained what happened and he said " hold on '' and then transferred me back the customer service line again where I waited and no one picked up. I was unsuccessful in my attempt to stop Bank of America from attempting anymore credit inquiries and therefore perpetrating fraud against me. I was denied any attempt to explain this was not my actions and I have never attempted to open any account anywhere.
Product: Credit reporting or other personal consumer reports

15 USC 1681B2 permission must be given for any creditor bank institution or government agency to pull my consumer report. No permissible purpose was given therefore these your offenses amount to aggravated identity theft pursuant to 18 U.S.C. 1028A The following accounts were reported falsely and shall be removed immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX. XX/XX/2024, I applied with Credible ( XXXX ) as a co-signer for a private student loan. Upon submitting my credit application, I received an immediate online response stating, " unable to IDENTIFY prequalified rates for you from lenders on our marketplace based on the LENDER 'S ELIGIBILITY CRITERIA ''. ( 1 ) Credible FAILED TO PROVIDE LENDER 'S ELIGIBILITY CRITERIA PRIOR to the application for credit - did NOT make eligibility criteria available/easily accessible ; inhibiting me from making a good decision in the use of my credit. ( 2 ) Credible FAILED TO PROVIDE PROPER ADVERSE ACTION NOTICE. Credible 's adverse actions were all named to the primary applicant, neglecting my opportunity to view any adverse action taken against my application for credit ; I DID NOT receive an adverse action. I requested Credible return my original application, as it is no longer needed to process any extension of credit. Although I provided Credible with ample time to return the application, the CFPB regulations to preservation of records, and additional statutes stating the consumer has the right to request their original application, ( 3 ) Credible staff refused to return my original application - stating their company policy has their own retention rules and has further, ignored the my additional requests for my application, with no regard to CFPB and/or FTC law .
Product: Student loan

I had issues with paying the monthly payment amount for my student loans from Sallie Mae. I was enrolled in their term and rate reduction program and my payment was reduced to {$610.00} / mo which I could afford. Speaking with their many representatives, I was assured that after the 6 qualifiying payments, I wouldn't have to make a payment in XX/XX/2020 and that my next payment of {$610.00} would be charged in XX/XX/2020. I agreed because the payment was almost 3 times lower than the original monthly payment amount would be. Well I wake up today, XX/XX/2020 and find out that my monthly payment is not actually the {$610.00} agreed upon but instead it is {$1000.00}. I was never told by any Sallie Mae representative that the monthly payment would be the {$1000.00} instead of the {$610.00} agreed upon, in my many calls with Sallie Mae. I can not afford the {$1000.00} payment and my bank account is not letting me stop the payment. Sallie Mae said they can not do anything and that I have to let my account go past due in order to renegotiate the payment.
Product: Payday loan, title loan, personal loan, or advance loan

Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

5 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.

5 U.S.C 1666B : A creditor may not treat a payment on a credit on account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I refinanced my primary residence mortgage with XXXX XXXX XXXX in the summer of XXXX. In XX/XX/XXXX, they notified me that they would be transferring the servicing of my mortgage to Loancare ( XXXX ). 

The experience with the transferring of servicing has been horrendous. It is impossible to reach anyone on the phone, and when I send emails to their XXXX, I am receiving back notifications stating that no one is monitoring that email inbox. 

I am not a mortgagor seeking forbearance or deferment. I have liquidity and I will continue making regularly scheduled loan payments. I am demanding better service from the loan servicer and a copy of my most recent mortgage statement so that I may refinance my home mortgage back to the prior lender whose technology and customer service are far superior. 

A glaring error made by the lender and servicer is their inability to even get my social security number correctly entered in their system. The inability of XXXX XXXX XXXX or Loancare to save my SSN correctly and grant me access to view my mortgage statement is absurd and borderline criminal.
Product: Credit card

Roughly a year and a half ago I had a {$3000.00} limit with Goldman Sachs ( apple ). I made a payment for the full balance due on the card, they took that opportunity to reduce my limit to {$2000.00}. So over the course of time since then, I decided not to pay the full balance because I would be in jeopardy of them reducing my limit again. Over a year has gone by, with on time payments, and I figured it wouldnt happen again. Nope. I made a payment for the full balance due, and my limit was decreased AGAIN. This also affects my credit score.