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

In XXXX my car was repossessed without my knowledge I had no idea and I thought the car was stolen initially. I was in a lot of distress and my personal items were in the vehicle. I didnt know my rights as a consumer. I was not notified how to retrieve my items, when the auction would be or how much it was sold for. I recently reached out to Capital One Auto and they provided me the letter that they sent and it stated it was sent to an address that I had never provided with them and is not on my credit report. I do not understand why they never sent those documents to the address attached to the origination of the loan in XXXXXXXX XXXX I asked had their been any notice previously sent to my former home address in XXXX or current address in XXXX and she said no, they sent it to an address at XXXX XXXX. This was an address that I had never provided them with. 

For several years this repossession has been listed on my credit report as a charge off and because I brought it to their attention through the credit bureau complaint, they decided to punish me by reporting it every month back to XXXX as unpaid, plummeting my XXXX XXXX XXXX points. I can no longer look for a home to purchase as a result. All my effort to maintain a decent score wiped out because of their negligence. They told me the vehicle was sold and that my debt was written off and yet it is still listed as a debt on my credit report. If they received a tax benefit, I didn't receive a 1099-C, which would mean the debt is now income that I should be reporting and not reported monthly as debt, to the credit bureaus. 

I was informed that if the debtor fails to properly notify me of the repossession, the debtor is no longer liable for the debt. They failed to properly notify me at the correct address giving me the opportunity to retrieve my items, ruined my credit score and prevented me from obtaining credit offers and a mortgage because the negative impacts of the credit bureau reporting. 

I would like to seek a full payment history of each payment maid from XXXX to date of repossession that includes, the date of payment and the amount paid. Also, requesting the 1099C to claim it on my tax return. Lastly, requesting the monthly unpaid balance reporting back to XXXX be removed from my credit report and the full {$7200.00} removed from the credit bureau reporting. I do not give my permission to the credit bureaus to report this because it is not an accurate representation of this debt. I have filed a complaint with the credit bureaus and they closed the complaint with barely an explanation to my original complaint.
Product: Debt collection

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them?
As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Mortgage

we were in bankruptcy in order to get a mortgage modification for our home loan due to the financial crisis. we started making payments in XXXX to the court and finally in XXXX a mortgage mortification was granted. we paid all our payments on time and we were actually paying one month ahead. When I called to make my monthly payment ahead of schedule they told me my payment had increased for by {$600.00} per month? When I questioned them they said there was an increase in my escrow, I called m y attorney and nothing had been filed with the court, the mortgage company faxed me the paperwork and the escrow report, the escrow report shows in XXXX they took {$3000.00} out of my escrow account then the escrow we paid in XXXX, XXXX, XXXX and XXXX of {$290.00} was not applied towards our escrow account then they paid our property Taxes and insurance making us even farther behind. I gave them the {$1600.00} I had paid ahead for our mortgage payment and paid them extra month to get the escrow caught up. We have requested and requested an escrow audit and it took more than 9 months but I received no explanation and only received a call that our payment would be going down by {$3.00} and I received a check for {$150.00}. We completed our chapter XXXX bankruptcy and it was discharged on XXXX I once again am one month ahead on our mortgage payments we received a statement that we had a {$400.00} unapplied credit and I made my XXXX and XXXX payment in XXXX and when I received my XXXX statement it showed we still had the {$400.00} unapplied credit but that our payment was now {$100.00} more because our escrow payment was higher, we received nothing in advance with no explanation of our escrow account?? When I called to make my XXXX payment in XXXX and ask them about the unapplied credit they said they had no idea what I was talking about even after it was on both statements they sent me, I again asked for an escrow audit report from the beginning and where the unapplied funds came fro and where all our money whet and why our escrow had increased without prior notice? Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA is reporting a debt on my credit file that needs to be removed. I have been dealing with them for some time over this account and I can't seem to get anywhere. I purchased a laptop with Best Buy and we set up a payment arrangement to get it taken care of but I returned the laptop because I did not like it. I never was told I was setting up a credit card or that I had a credit card with Best Buy, I thought I had set up a payment arrangement. When I returned the laptop it was within the time frame for returns and thought I no longer had to make payments-the laptop was returned. Well I checked my credit and noticed a charge off? I have called both CBNA and Best Buy and neither can tell me where this debt is coming from or can find an account saying I owe anything. However, this continues to pop up like a charge off and affecting my scores. I do not owe anything, this is a mistake and this needs to be fixed immediatley.
Product: Vehicle loan or lease

On XX/XX/XXXX I cosigned for a truck loan that I believed was for one year with Carmax. 
I was contacted by Carmax when the loan went into arrears in late XXXX. When I had explained to them that my contract was for one year, they informed me that I was liable for the entire duration of the loan. 
The languge at the time of the signing was vague and misleading. 
In order for my name to be removed from the loan after one year the loan would have to be refinanced. 
Carmax does not refianance any of their loans. 
I acted on good faith with what I was being told at the time of the signing, making it clear that I only comfortable with a one year contract. 
The representative was vague and ambiguous with reguards to my questions and understanding. 
In XXXX of XXXX the loan was charged off by XXXX owing XXXX.
Product: Credit card

I have made a couple purchases with the Bank of America travel rewards that supposedly qualified for the " XXXX '', but were never redeemed. After several attempts to contact the bank for payout, they have repeatedly denied. 

The first one was a brake purchase made from XXXX XXXX totaling {$450.00} on XX/XX/2023. The selected XXXX should have given me {$41.00} back on the purchase. I complied with the requirements that were setforth by Bank of America, however because XXXX XXXX was recently purchased by XXXX ( this is publicly available information ), the credit card transaction showed up under XXXX. I still have the receipt for the purchase, and despite at least 5 calls in to Bank of America, they denied my claim and did not even give me a chance to send them the evidence that I qualified for the deal even though I asked them directly for an email address to send the receipt to. 

The second purchase was a XXXX subscription that I made through my XXXX device. I should have received {$16.00} back on this transaction. Similar to the XXXX issue, the transaction showed up as XXXX on behalf of XXXX. Bank of America also denied this claim because I made the purchase " through my XXXX device '', even though it was directly in the merchant 's XXXX XXXX app. 

In both situations, I qualified and complied with the terms and conditions of the XXXX  to the best of my knowledge and ability. Neither purchase would have been made had I known that I would not receive the total {$57.00} discount. XXXX are quite clearly misleading to consumers and the bank needs to be doing a better job with honoring them or at least taking a little more effort in getting them resolved.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX Email : XXXXXXXXXXXX Consumer Financial Protection Bureau ( CFPB ), I regret that I feel the need to contact you again regarding my PHH Mortgage. ( My mortgage # is : XXXX ) ( My CFPB case # is : XXXX ) You responded to my initial inquiry on XX/XX/2017 and I am extremely grateful for you much needed assistance. 

After many, many calls to PHH to try and get my mortgage back to it 's 21 year status of non-escrow I continue to face road block after road block with PHH. No matter how many times I call, wait and wait on hold and talk to someone it is clear that NO ONE is willing to get me out of the Escrow status which I am unable to pay and back into the Non Escrow status which my income can pay. 

I even took the time to drive down to the PHH headquarters in XXXX today and was met with the same disdain. Seems that I can take the time to drive there and that they are more than willing to take XXXX upon XXXX of dollars from me BUT can they see their way clear to actually having a person come down and talk to me to rectify this problem ... NO! Security gave me a number to call and while I thought it would be to a person in the building I merely got the same prompts and wait times that I would have gotten from calling from home. ( For the record I gave them a check for my normal payment of {$650.00}. ) Let me be clear : I am not 6 months behind in my mortgage, or 4, or 3 etc. and have never been. I WANT to pay my monthly fee as I have for 21 years and I want to pay my taxes at the end of the year as I have for21 years. I have been crystal clear to PHH that I ca n't pay the increase that an Escrow designation warrants and need to be placed back on a Non Escrow status to afford my monthly payments. And, why would they send me their Home Owner Assistance package with a designated Case Manager, implying their awareness of my financial woes, and then change my account to Escrow which clearly increases the monthly payment. How wacky is that? 

I have been MORE than patient and cooperative and quite frankly am tired of waiting, 4, 7, 10, 20 or even up to 2 hours to speak to someone who wo n't take any action on my situation anyway. 

I await your valued advice and hope that your intervention will change my Escrow mortgage back to a Non Escrow, manageable mortgage once again. 

My Sincerest Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trans Union has been violating federal reporting rights for the last six years. I've requested a copy of my credit report for the last six years they refused to give me a copy of my credit report they have suppressed my credit report they have sent me a document saying, they have suppressed my credit file they even allow someone to put a consumer protection, fraud alert with another person name, and another person 's contact number on my credit report that was there for three years, allowing this person to use my credit for their personal use they did nothing to stop that. It cost me hardship now I have all this they won't validate any of the fraud on my credit report, and I can't correct anything because they won't allow me to pull my credit. I've been denied multiple denial of credit because changing it won't let my credit even be pulled.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further more their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX XXXX XXXX XXXX has been doing fraud. I have had health insurance for the last 4 years. Ive also not stayed in the XXXX there.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Debt Notification and Request for Verification To Whom It May Concern, I am writing to dispute a debt that I have recently been made aware of. According to my records, I have not been notified of this debt, nor have I had the opportunity to dispute it. I am requesting that you investigate this matter thoroughly as it appears that my consumeedr rights have been violated.

Specifically, I am invoking the following regulations and laws that pertain to this dispute : 1. 12 CFR 1006.34 ( b ) ( 5 ) : I did not receive the required information regarding this debt, which should include my right to dispute the debt within 30 days. I request evidence that this information was provided to me in compliance with this regulation.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) : I did not receive proper notification of the debt, nor was I informed about my rights to dispute it. The lack of proper notification violates this specific provision, which mandates clear communication of my rights.

3. 12 CFR 1006.34 ( d ) : The collection agency 's actions appear to be using false, misleading, and deceptive means to collect this debt. Such practices are prohibited under this regulation, and I believe my consumer rights have been infringed upon.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : The reporting of this debt to credit reporting agencies without proper notification and an opportunity for me to dispute it is a direct violation of this statute. This law mandates that creditors provide accurate and fair information to consumer reporting agencies, which has not been adhered to in this case. 
I also request that you provide me with the certified mail receipt that includes my signature, indicating that I received notification of this debt. If you can not provide this, it will further support my claim that I was not properly notified. 
I ask that you cease all collection activities and remove any negative entries related to this debt from my credit report until this matter is fully resolved. Please respond to this dispute within the time frame mandeted by law and confirm receipt of this letter. 
Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a HELOC with XXXX XXXX XXXX that dates back before the financial crisis. 
I never authorized this account. I fell into medical problems from XXXX to XXXX and again XXXX and XXXX. I have paid the balance on time from XXXX and in XX/XX/XXXX to XXXX XXXX, I had multiple issues with XXXX XXXX and called XXXX XXXX to inform them of my status, and requested to be on forebearance. In XX/XX/XXXX, I was then contacted by a courier that I would be in foreclosure if I do not pay my mortgage. My privacy was compromised as the courier left my information with my social security number exposed in the building hallway. I called the bank 's attorney : XXXX XXXX at XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX - XXXX, and inquired what I needed to do to get my account back to good standing. I was told I needed to pay roughly {$10000.00} of which roughly {$5000.00} was used for the bank 's attorney fees, in addition to late fees. I felt these fees were exorbitant. XXXX XXXX XXXX also destroyed my credit by reporting me late on the credit bureaus : 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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has caused my score to decrease significantly.
Product: Debt collection

I am not liable for this debt of {$610.00}. I do not have a contract with Online Information Services , Inc. they did not provide me with the original contract as I requested. I have no knowledge of this account.
Product: Student loan

Find attached my daughters amortization schedule to date on her Navient student loans. XXXX XXXX consolidated two of my daughters loans on XX/XX/XXXX for a total of $ XXXX. Other than when we were on IBR ( XX/XX/XXXX to XX/XX/XXXX ) we have paid monthly. During the IBR we paid approximately {$3800.00} to try and keep up with the interest due. After the IBR, they almost doubled the payment, which we could not afford, so they reissued the loan at a similar rate as before. The attached Navient amortization schedule is very unusual as compared to a normal loan amortization schedule ( see attached XXXX loan statement along with a Direct loan sample sheet ). In almost 12 years we have made no headway on principal and the loan wo n't be paid off till XX/XX/XXXX. I believe this represents misapplied payments, which is the heart of the CFPB lawsuit against Navient. Please advise if I need to do anything else. I will attach documents sent to XXXX XXXX in a request for help along with the response from the Department of Education
Product: Credit reporting

XXXX XXXX Incorrectly stated late by thirty days on XXXX X when they clearly received on time payments. XX/XX/2014 they marked the payment late for 30 days when they received it on time for credit reporting on XX/XX/2014. Yet the statement shows received on XX/XX/2014 and processed XX/XX/2014. Something similar happened in the next month. The payment was due on XX/XX/2014. However that date was on a Sunday. XXXX processed on the Monday XX/XX/2014. That payment was probably received on the Friday or Saturday before the due date but processed on that Monday
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Payday loan, title loan, or personal loan

Possible financial i never open this account and anybody can go online and sign and open accounts i first seen this account when i look at my credit report
Product: Debt collection

I received a phone call on XX/XX/XXXX  from a debt collector called Credit Systems International Inc. for a {$89.00} bill from XXXX XXXX. I have never received written notification from this debt collector and I am requesting they stop calling me. Debts under {$500.00} are also not to be reported to the credit bureaus.
Product: Credit card or prepaid card

On XX/XX/2020 a car rental agreement was put in place between myself and XXXX rental car in XXXX, pa. I was quoted {$85.00} from XX/XX/2020 until XX/XX/2020. Upon traveling to my destination which was XXXX miles from my home, I noticed the gas mileage per gallon seemed to be using more gas than usual. Fast forward to my return home on XXXX day around XXXX..once I was about 30 minutes from home, the vehicle was almost empty. I contacted the XXXX  representative via XXXX XXXX as she sent me a friend request in the app back in XXXX after meeting her securing a rental at some other point. On my way home I did reach out to her and explained all the safety issues concerning this car that she rented me and I traveled with my children!! When I went to secure the rental my capital one card was charged {$85.00}. When I dropped the vehicle back off, within 5 minutes while on my way home, I saw that she was trying to charge my card an additional {$220.00} for a full tank of gas plus the cost of the rental again. 
Because their charge was already pending, even though I canceled my capital one card, they somehow forced a payment of XXXX throwing my capital one card more than {$100.00} over the limit! Why did they charge me when the vehicle was picked up? Why did she charge me again..for gas at a rate of almost {$10.00} per gallon! During a nationwide pandemic?? This is price gouging at its finest! When I contacted capital one on Saturday, they advised the best way to deal with this would be to cancel that card so they could not continue to charge it. On Saturday and Sunday it was pending, by Monday it was pushed through ...
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX