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

Every month I add an extra payment to the bank. Each month, they apply partial to the principle and partial to interest. I have texted the bank online, every month, to have the payment applied to the principle. 
Sometimes they follow through and sometimes they don't. For one payment, they removed it completely without putting it back in. Most recently, I have been quite insistent that they fix all of the transactions. This does not result in any response. I have called to try to resolve this over the phone but they hang up on me. 

My written requests have been 1. Paper statement to be mailed to me 2. A full record of all installments to principle and interest since the inception of the loan with the balance showing on each installment. 
3. A phone call from an administrator They have not responded to my requests, twice by use of the text.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I just receive credit report and seen inaccuracies on my credit report for XXXX XXXX XXXX a balance of {$7400.00}. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt, and I also stated to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. After the dispute the account came back verify and I do not agree with the results of this dispute. I Also stated they had 30 days to to mail me proof of the investigation and proof of the negative account or deleted the account.
Product: Credit reporting

Equifax refused to provide my credit file to car dealerships on XX/XX/XXXX as requested. Why was my file blocked?
Product: Debt collection

After sending a XXXX debt validation letter XXXX/XXXX/XXXX, Central Financial Control failed to respond with a letter stating that I will be held financially responsible the accused debt of XXXX a signed copy of a XXXX letter with my signature, and/or any form acknowledging the debt will be forwarded to collections AND reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I sent XXXX and XXXX and XXXX letters to valdated and debt with an debt collector no ones reponded
Product: Debt collection

Tally a debt refinance company recently went out of business and sent a email stating my APR would be locked in and remain the same throughout the life of the loan. I was just informed by the company they transferred my debt to that it would skyrocket to 23 % APR. I can not afford this and think this is very irresponsible of this company. Many people can not afford this high of a APR. This feels like I got scammed into a company thinking they could help me but ended up getting told lies.
Product: Vehicle loan or lease

On XX/XX/2022, I went to buy a vehicle from XXXXXXXX XXXX XXXX XXXX XXXX. The dealership contacted PENFED to file an application for financing. The salesman had calculated the payment using the 6.24 % interest rate that PENFED uses ( at the time ) for clients with low credit risk. PENFED responded with a 7.99 % ( 175 basis points higher ) allegedly because my credit report showed certain flaws. The salesman pointed out that the payment wasnt proportionally much higher. 

A few days later, I received a letter from PENFED that showed a credit score of XXXX from XXXX which is considered excellent, ( the credit bureau company they used ). The payment offered at a higher rate does not seem to be much higher, but the interest accumulated over the life of the loan is ( {$5200.00} estimated by PENFED vs {$3900.00} ; a {$1200.00} difference ). 

I submitted a formal request to correct the interest to the proper rate and was declined because PENFED does not renegotiate loans as you can see in their response uploaded. Their representative said they take other things into consideration, but did not care to point them out. 

This seems to me like a scheme to hook up the client with a published interest rate that will not be honored unless you find out what is going behind the curtain. My XXXX credit score is excellent, I do not have major bills because my house is fully paid, my only two credit cards have XXXX balance and there is nothing else.
Product: Student loan

Navient keeps sending me bills and charging me late fees during the federal student loan pause that is supposed to last until XXXX of this year. This also happened during the last pause as well. I had to go into forbearance because I had budgeted with the pause in mind and then could not afford to make payments during that time. 

I believe they are also trying to convince borrowers to refinance in anticipation for loan forgiveness, but that the process would actually make borrowers no longer eligible.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX account XXXX, XXXX XXXX XXXX  account XXXX, XXXXXXXX XXXX XXXX account XXXX, XXXXXXXX XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX  account XXXX, has 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 a account without my written instructions
Product: Debt collection

I am writing to formally dispute a debt notice I received from MBA Law concerning a supposed debt with XXXX XXXX in the amount of {$420.00}. This letter was received without any prior knowledge or explanation of the services supposedly provided. I want to clarify that I did not receive any services from XXXX XXXX in 2022 or at any other time, and therefore, I do not owe any debt to them. 

Before receiving this letter, I was bombarded with numerous messages from MBA Law, which were repeated incessantly and caused me significant stress and anxiety. These messages were reported as potential scams multiple times, yet MBA Law continued to send them. This abusive practice not only violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) but also constitutes harassment and undue stress. 

I ask for CFPB to notify MBA Law ordering they immediately cease all communications regarding this alleged debt. Furthermore, I request that MBA Law provide clear and documented evidence of this debt, including details of the supposed service provided and proof of my authorization for such services. I am prepared to take legal action if necessary to protect my rights and stop these abusive practices. 

I believe that this complaint I am filing with the Consumer Financial Protection Bureau ( CFPB ) regarding MBA Law 's actions is necessary to ensure that such abusive practices are stopped and that appropriate actions are taken against this company. 

Please acknowledge receipt of this dispute and request to MBA Law to confirm in writing that all collection activities regarding this alleged debt will cease immediately. 

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

Cease and Desist Communication Regarding Collections/Charge off Account Grow Credit Inc- XXXX XXXX am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it.

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 
2. Stop reporting this debt by all credit reporting agency and request for deletions From original creditors.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt.

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request.

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion.

Your immediate attention to this matter is expected and appreciated.
Product: Credit reporting

My husband was going to XXXX for some dental work we opened a finance agreement with them. I paid monthly on time we finished his contract and they closed it. Then they opened another contract without mine or my husband 's consent that showed on my credit report as an opened unpaid account. I called XXXX XXXX we resolved they issue but when it was take off my report it deducted points of my credit. Why is my credit suffering from their mistake?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX I am writing to dispute inaccurate information reported on my consumer report under the above-referenced account. This complaint serves as a formal request under the Fair Credit Reporting Act ( FCRA ) to remove the following inaccuracies : 1. Date Opened : XXXX reports the date as XX/XX/year>, while Experian and XXXX list it as XX/XX/year>. XXXX. Last Reported Date : Each bureau has a different date : XXXX ( XX/XX/year> ), Experian ( XX/XX/year> ), and XXXX ( XX/XX/year> ). XXXX. Payment History : XXXX and Experian incorrectly report 60-day late payments for XXXX and XX/XX/year>, while XXXX reports only 30 days late. I contest these as inaccurate. 4. Date of Last Payment : XXXX reports the last payment date as XX/XX/year>, while the others list XX/XX/year>. Under the FCRA Section 607 ( b ), credit reporting agencies are obligated to ensure maximum possible accuracy of the information reported
Product: Credit reporting or other personal consumer reports

I have asked for verification multiple times and they continue to park these items on my account and they were previously deleted by experian and re added with proper notification I have stated to them what the congress labeled excluded from a consumer report charge offs and late payments on the list 15 USC 1681 a D2 A1 says that is under the exclusion section. They will not verify any information and after dissputing 3 times with no verification or information regarding the investigations they have actually added 20 months of late payments history making it impossible to get a car or an apartment or a credit card this is ruining my life and they refuse to follow any kind of laws or instructions by me and tell me the law dosnt have any change in there policy
Product: Vehicle loan or lease

In XX/XX/XXXXprestige auto fiance agreed to out us in what's called a fresh start program. This program offers our credit to reflect as current after five months of payments. They gave us the stipulation that we would pay on the XX/XX/XXXXof each month. We asked for a two day extension this month and they denied us ... .. The XX/XX/XXXXfalls on a non business day and Monday is a Holliday. They are threatening to send us to loss mitigation if we don't pay by the XX/XX/XXXX. They also asked for address of the car ... XXXX As if they were threatening to take the car on Monday. 

We've made our payments on time for the last three months. But, they said that we haven't been making our payments. My car is the only means I have to get to work. But, they threaten us every month.

We only have two months left on the program and then we are done.
Product: Debt collection

I cancelled the contract in less than 3 days with XXXX because I had to move. They refused to allow me to cancel and want money I do not owe! XXXX (? ) Place a collection and it was removed as shown on my XXXX credit report, now Stellar Recovery Inc has it listed as a bad collection debt.
Product: Credit reporting 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. 

Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I had a fraudulent check cashed from my business account. 10 days later I found out about the criminal act and contacted Chase Bank who referred me over to their fraud department. I was told to fill out a form and then in 90 days they would have a response. I was asked on three different occassions to fill out more paperwork and they finally confirmed they have the all information to have a response on XX/XX/XXXX. After 100 days ( XX/XX/XXXX ) I contacted Chase Bank and they told me to wait another 90 days so they can continue their investigation. After almost 10 months I was told they submitted a request to the bank that deposited the check XXXX Bank and said they are waiting for XXXX to give back the monies. However, when I contacted XXXX Bank they told me that Chase is the clearing bank and they should be paying you back, not XXXX. During the entire time I filed a criminal report with the police and the District Attorney office has told me they arrested the person responsible for this fraud and I gave Chase bank the arrest report and the case number. There is no dispute this was fraud but Chase bank continues to not reimburse me bank for the fraud. It has been over 12 months from when this happened. Please HELP ME it is a lot of money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct them immediately : XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XX/XX/XXXX Re : Complaint Against XXXX XXXX XXXX XXXX XXXX. 

To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX ( hereinafter referred to as " XXXX '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXXXXXX XXXX XXXX I, as a credit consultant, sent a certified letter to XXXXXXXX XXXX General Counsel requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXX, which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$880.00}. The FCRA mandates that the credit bureau, in this case, XXXX, must ensure the accuracy and completeness of the information they report. 

Despite my clear request for debt validation, XXXX failed to provide the necessary information as required under the FCRA. Furthermore, XXXX engaged in inaccurate reporting practices, which raise concerns about their compliance with the statute. Specifically, XXXX inaccurately increased the reported debt by XXXX  dollar within 24 hours of my initial request, only to subsequently revert the debt back to its original value of {$880.00}. This inconsistent and erroneous reporting not only violates the FCRA 's requirements but also reflects a concerning lack of due diligence on XXXXXXXX XXXX part. 

Enclosed with this letter is a copy of the validation letter that was duly dispatched to XXXX, which outlines my request for debt validation and provides a record of their subsequent reporting inaccuracies. It is my contention that XXXX 's actions not only breach the FCRA but also have a detrimental impact on my creditworthiness and overall financial well-being. 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate action against XXXX for their non-compliance with the FCRA. Such action should serve as a deterrent to future violations and uphold the integrity of the credit reporting system. 

I appreciate your attention to this matter and look forward to a prompt and thorough investigation into the conduct of XXXX. Please do not hesitate to contact me if further information is required or if additional documentation is needed to support this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Copy of Validation Letter
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX, I initiated a personal loan with Sail Loans for the amount of {$4000.00}. I was told at I would only be given {$1000.00} and after that was repaid, I would receive the {$3000.00}. My payments started in XXXX for the amount of {$100.00}, which are bi-weekly payments. I have made XXXX payments of {$100.00}. I told the company that I do not want the other {$3000.00}. I was told that could not be possible because I signed a contract. However, I was under the impression that I would receive the {$4000.00} at the signing of the contract and not just {$1000.00}, Currently, the company is telling me that I owe them {$3300.00} by Tuesday, XX/XX/XXXX and that I will receive the {$3000.00} between 5 and 15 days. 

I do not wish to continue any business dealing with this company. They have advertised fraudulently and misled me as a consumer. 

Thank you for your assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit card or prepaid card

I am XXXX years old. I have been a Discover Credit Card customer for over XXXXyears. I have never missed a payment. Discover was one of the first credit cards I received that helped me build my credit. I started with a credit line of {$2000.00} and they slowly increased my credit line to {$4800.00} due to my good payment history. For some reason, during the pandemic, Discover closed my credit line. At the time, I had a XXXX balance so, I didn't realize it for a few months. This negatively impacted my credit given : ( 1 ) it closed an account that I had since I started to establish credit ( lowering my average length of credit ), ( 2 ) dramatically increased my credit utilization given the {$4800.00} credit line had a XXXX balance, however, it was one of my larger credit lines, and finally ( 3 ) it says that it was closed by my creditor which is another negative impact. As I stated, I have always paid all of my creditors on time since I first established credit at XXXX years old. My income has only increased over the past year and I have had a stellar payment history with Discover. There was no reason for Discover to close my account, particularly in the middle of a pandemic.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX, XXXX XXXX XX/XX/XXXX -- {$3300.00}
Product: Debt collection

I have collection accounts on my credit report that are being reported without my consent. 

XXXX XXXX XXXX account numberXXXX Date opened XX/XX/XXXX LVNV FUNDING LLC account XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX
Product: Mortgage

Ocwen Loan Servicing and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against XXXX ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.