23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a loan with Sallie Mae. Ive made my payments through my bill pay in my bank account. My first payment I made on the first. By thr XXXX I was getting all kinds of emails, calls, etc about it being late. By the XXXX, I figured the check was lost, so I had my bank reissue another one. It didnt get cashed until the XXXX. They also found the first check. The next month, I paid it on the XXXX. I figured it gave plenty of time for the payment to get there by the first. By the XXXX they still didnt log it as received. I called to see what was going on and to say that my payments arent late. They said I need to mail them earlier and that its my responsibility. Theres no way that those payments arent getting there in XXXX let alone the XXXX days it took them to get around to cashing it. They are mishandling them and then charging me late fees. This isnt right. Something needs to be done. They were awful to me on the phone. Basically said that I cant do anything about it. I mean am I really expected to make a payment for the XXXX of XXXX by the XXXX of XXXX to ensure it gets there? For real?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 i XXXX XXXX XXXX  call the credit company XXXX and spoke with 3 agents there. I explain my situation. Asked the first agent is he familiar with the provicey laws and he stated yes.i then asked did he know that it is illegal to sell, submit information that inaccurate the agent XXXX stated yes so I ask why did your company sell my information, submit inaccurate information that we can both see which is open dates and closed dates that don't match 23 different ssi numbers on my account address that experian want allow me to take off when is clearly shows its wrong! ..please request their records of our conversation and you will clearly here the agent XXXX state that they don't erase anything off accounts if the company that reported is a good source also they can sell information to other companies. Agent over talked me and told me lies hung up on me another agent clearly in the recording that he see the wrong thats done, I asked that he submit a complaint, he did but .but tried to make the complaint out as someone was using my account fraud and that wasn't the case it was XXXX that was doing the above mentioned also not I put in a complaint, and they telling me that I don't get a complaint ref # so how would I follow up???? if u can request the complaint I submitted yesterday XX/XX/2022 I've called fussed asked for proof, and received nothing.i was also told to not call XXXX cause they can't do nothing its not there problem call vendors .wow this is how I get treated by trying to fix my credit
Product: Payday loan, title loan, or personal loan

I received an unsolicited loan offer from the predatory lending private equity firm Mariner Finance in the form of a check I could actually cash. I did not fall for their shameful, deceptive loan offer and have not opened the account. Presenting the loan agreement in the form of a cashable check is disgraceful - preying on the desperation of those needing to pay off other debts with a short-term easy solution ( just cash this check and the money is yours! ) while also driving that person deeper into debt. The terms are not favorable. Information such as payment dates and how to pay are not provided until after you open account solely by cashing the check. I'm disgusted by how craven this marketing approach is for this serious financial instrument - much different from the cash advance checks provided by credit card companies primarily because you already have an account with them at the time. I was likely targeted for this loan offer because of the bankruptcy still on my credit report from several years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX as always taking way longer than 30 days this is illegal and I want to file legal actions.
Product: Debt collection

Owe 1 past due car note payment and the car company has called me over 4-5 times a day ... everyday for 1 car note past due payment..this company also calls after XXXX XXXX in the evening concerning payments..the company also have representative who call my spouse multiple times a day regarding my debt..the company representatives sometimes call ( name on caller ID ) and dont say a word ... this company is atrocious on how they handle debt from consumers and they should be investigated immediately.
Product: Debt collection

I got a call from third party debt collection company called ( XXXX XXXX ) they said they were contacting me on behalf of Check n Go for a debt I had back in 2015 for {$690.00}. They told me they will take me to court if I didnt pay the {$690.00} today. I wanted to make sure this was a legitimate company. So I asked some additional information, wanted there website, asked for the main number. The guy refused. Then I asked can I just pay check n go directly. He said no, I have to pay them or they were turn it over to XXXX superior court, and I will go to jail. Then he went on to say I had a failure to appear in court already. But he will solve it today over the phone with payment. 

At that point i told the guy, can I call back so I can get more information.he said no this is my last chance because they contacted me before. So I just hung up the phone. After I hung up, I looked up check n go. All the locations are closed. I remember when I got this call few months back. I also looked up check n go. All locations were closed then too. Not sure if they were closed because of COVID-19 or if they went out of business.
Product: Credit reporting or other personal consumer reports

I am personally submitting this complaint to address an issue regarding late payment entries on my credit report. Upon reviewing my records, I discovered the presence of these late payment listings. However, despite sending correspondence more than XXXX  days ago concerning this matter, I have not received a response, and they have failed to provide satisfactory validation for these supposed late payments. I kindly request your assistance in resolving this issue promptly and effectively.
Product: Mortgage

Several banks and servicers have attempted to illegally take my home using fraudulent and bogus documents. XXXX started this in 2008 ; many banks used delaying tactics and phone mills/robosigning and refusing payments to put my home into jeopardy. I have been able to thwart XXXX seperate attempts to foreclose with the help of our local District Judge and Temporary Restraining Orders. I have reliable authoritative witnesses to the 'Transfer of Mortgage ' document XXXX ( recently they cancelled the sale of my home and transfer my case to Shellpoint Mortgage Servicing ) & Shellpoint Mortgage Servicing have used to say they have the right to foreclose, but they have no standing. Attempting to extort money from me using a fraudulent document is illegal. Their licenses to operate need to be revoked, and they need to cease and desist attempting to collect money from me, or any homeowner, unless they have a clear, legal chain of title. Which in my case they do n't or they wouldnt need to use one that is so simply proven to be fraudulent.
Product: Consumer Loan

I financed a vehicle with MCMC Auto XXXX years ago and it was wrongfully reposessed. When I attempted to bring the matter to the attention of the company I was disregarded and told to dispute it with the credit bureaus. Each time I have disputed it, they corresponded stating it was valid. I attempted to contact them XXXX years later and they are still refusing to provide me with proof of past due payments. I called them today at XXXX spoke with XXXX and she stated that they still are unable to provide me with a copy of my contract, payment history and all written correspondence. At this time, I will just need these documents to correct their false information.
Product: Consumer Loan

A few years ago I found myself between jobs. I reluctantly Took out an Auto Title Loan. I only needed XXXX Yet the Agent convinced me that if I were to increase that amount to XXXX that the interest would be better. I was late on a payment and they reposed my car. When the car was finally returned to me after two weeks, all of my I.D . including XXXX XXXX XXXX, Drivers License, and Special I.D . to allow entrance to XXXX XXXX XXXX Sites were stolen. The car stereo was broken and everything from the trunk to the glove box was gone. I did file a Police Report and have that number. Since then I have been forced to pay over XXXX dollars for a XXXX Loan. A day does not go by that I do not contemplate XXXX. Please help. Thanks
Product: Credit reporting or other personal consumer reports

. In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Product: Debt collection

1. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The communication failed to provide clear and accurate information regarding the debt, including the original creditor, the amount owed, and the options available to dispute the debt.

2. Violation of 12 CFR 1006.34 ( C ) ( 4 ) ( I ) : Credence Resource Management engaged in unfair practices by attempting to collect a debt that was not properly validated.

3. Violation of 12 CFR 1006.34 ( d ) : Credence Resource Management failed to provide adequate verification of the debt within the stipulated time frame. As per the regulations, upon receipt of a validation request, the company is obligated to cease collection activities until the debt is validated. However, Credence Resource Management continued its collection efforts without providing proper validation.

4. Violation of 15 USC 1681-S 2 ( 7 ) ( A ) : Furthermore, Credence Resource Management violated the Fair Credit Reporting Act by inaccurately reporting the debt to credit bureaus without first validating its accuracy. This action has resulted in unjust damage to my credit report and reputation.

These violations not only infringe upon my rights as a consumer but also demonstrate a blatant disregard for the regulations set forth to protect consumers from unfair debt collection practices.

Therefore, I demand that Credence Resource Management immediately cease all collection activities related to the aforementioned debt and remove any negative reporting from my credit file until the debt is properly validated. Additionally, I request a written confirmation of the cessation of collection efforts and the removal of any derogatory information from my credit report.
Product: Credit reporting or other personal consumer reports

i have been trying to get this account to be removed off my credit report for 5 months now because its an fraudulent account and the crediter is not responding to me and its hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  University hired   XXXX   XXXX   XXXX   to collect a student loan. I am not aware of the amount due to the fact all my student loans are in deferment and if this is a student loan from  XXXX , it should also be deferred with my other student loans. I have reached out to   XXXX   XXXX   XXXX   on  XXXX   XXXX  and  XXXX  of this year. They have failed to respond to my second letter. Please see letters attached. I have also disputed this matter with Equifax. They claim they do not see a dispute for this account, but have a note on the account stating UNDER INVESTIGATION, which has been that way since   XXXX   XXXX   XXXX    . Please see attached document
Product: Credit card

Someone used my identity to get a credit card in my name. They have not paid the bill which is reported negative on my credit reports since 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of refinancing my home and was shocked to learn that I have a 60 day late and a 30 day late on my credit report for Care Credit/Synchrony bank. I co-signed this account for my son, XXXX XXXX, to obtain immediate health care of my grandson. My son lives in XXXX CA and was making the payments. He works for the government and I recently found out that the account became delinquent while he was on a government mandated furlough. If I had been aware of any delinquencies, I would have paid the account up to date immediately. I never received a delinquency letter nor did I receive a telephone call from Care Credit/Synchrony Bank to advise of the delinquency status. I provided my home address ( in XXXX, California ) along with my telephone number over the phone at account origination. I believe Fair Credit Reporting Act ( FCRA ) and Fair Debt Collections Practices Act ( FDCPA ) rules dictate that all liable parties require notification of a delinquency before my credit bureau report can be negatively impacted. Since Care Credit/Synchrony Bank did not properly notify me of the delinquencies, I request that you please investigate this Bank for improper notification and collection practices. I request that Care Health/Synchrony Bank remove the delinquency status from my credit bureau reports. Also, I never received any information or notification regarding terms and conditions for this account. I am a senior citizen and I value my credit and would not have allowed this to happen if your company provided me with proper notification. I have not received a reply to my letter to Care Credit/Synchrony Bank which was mailed XX/XX/2019.
Product: Other financial service

My payroll check was stolen and cashed by a third party at Wells Fargo. The individual who stole the check signed the check over to themselves, forged my signature, and then had another individual with a Wells Fargo account deposit and cash the check into their personal account. Wells Fargo should have never cashed that check since they did not have me present nor seen my identification in order to confirm if the signed over check was fraudulent or not. I have worked for financial institutions and know policies and procedures and Wells Fargo is in violation of not following proper protocol with regards to cashing a check. That was my payroll check that was stolen.
Product: Debt collection

A man came to my grandmothers residence yesterday and asked for me. He said he had papers to serve me. MY grandmother told him I was working. After getting the call from my grandmother at work about this, I did n't quite understand because I have no debts. out there. Then a couple hours later the man called my cell phone twice. I answered the second time and he just kept asking for me but I did n't admit that I was who I was on the phone so he hung up. I googled the phone number he called from and there is a website that came up that state its XXXX I then XXXX the address listed so I could go there and try to figure out what this paper work being served to me was about. I go to the address and its a XXXX shipping store.. I called the phone number about 4 times before driving there and no answer. XXXX. After going home my grandmother said the man came again to her residence at XXXX at night and asked for me again. She finally told him that he was driving me crazy because I do not have any debt out there but she will take the paper work so I could be informed what this was about. So I drive over there and read the letter and it states that our local hospital here is taking me to court for not paying a {$600.00} bill from XXXX XXXX years ago. I live in South Dakota by the way. This sounds like a complete scam. Because XXXX XXXX years ago I was XXXX XXXX XXXX I did n't have any hospital bills from back then. Everything is just fishy with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$760.00} This compliant is my follow-up to ensure that the listed accounts are validated
Product: Money transfer, virtual currency, or money service

I have been depositing and trading crypto at XXXX and several months now, Today I find I can not trade nor can I withdraw any of my money from them, not sure what can be done? their customer service is a joke and all they do is repeat canned info back at you instead of really giving you answers to your problems
Product: Vehicle loan or lease

US AUTO SALES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I Was purchasing a car from US Auto Sales on XX/XX/2023 after receiving the car XX/XX/2023 i was trying to get back with US AUTO SALES because the car was cutting off and horn didn't work.. and they sent me to a transmission shop and it had a bad transmission problem so I was trying to trade for another car and they closed there business all in ga .. and I'm not satisfied I'm disable with a co signer having a XXXX loan and the car was XXXX and after paying the down XXXX it was XXXX i was not suppose to pay no money on a loan 15 usc 1605 determine of financing charges. I was not suppose to pay no cash and the loan was XXXX not XXXX but they are both too high for a lemon car..I haven't rode in the car its Ben in the shop.. and I need to get it remove off my credit report .15 usc 1692A and I'm trying to be added to the lawsuit they have with us auto salXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I filed a complaint with the CFPB about Equifax ( Complaint # XXXX ) and Equifax has not resolved my issue. There is still 3 accounts that are reflecting on my credit file that need to be removed immediately. These accounts were showing included in bankruptcy XXXX XXXX  however there is no bankruptcy on file which means these accounts that are tied to it need to be removed. Equifax needs to delete these accounts that are tied to this inaccurate bankruptcy. I have included the dispute letter that I received from Equifax which shows these accounts in question are XXXX XXXX XXXX XXXX ACCOUNT # XXXX & # XXXX AND XXXX XXXX XXXX ACCOUNT # XXXX. My data was breached in the Equifax data breach and my credit file was impacted. Remove these inaccurate accounts from my credit file or I will be forced to file for litigation. I will not continue to be bullied by Equifax.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX was never late! I have had an exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result of a systematic error on their end processing my payment. 

This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hardship to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 30 days 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 may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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: Debt collection

Online Information Services out of XXXX, NC has placed an erroneous debt on my credit file. I have not been contacted by debt collection agency and have no business with this agency nor the business they represent, XXXX XXXX. I have disputed the validity of this debt and request immediate removal because there is no proof of debt and agency nor client has provided who verified this debt. Future attempts to collect such erroneous debt shall result in legal action seeking damages as a result of a negative score caused by erroneous placement of debt in credit file.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX ] ' XXXX XXXX Account Number : XXXX
Product: Credit card

I was recently informed by my credit card company that a merchant I visited had a security breach and as a result, the credit card company would be issuing a new credit card for me to protect my account. However, when I requested the name of the merchant with the security breach, I was informed that information was private and could not be disclosed to me. As a consumer, I find it shocking that I am not allowed to know which merchant had a security breach and potentially exposed me to further security concerns though my credit card company is allowed to know. Thank you for your assistance.
Product: Debt collection

I sent 3 debt validation letters in XX/XX/2021, and each time the company has failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! 

I received your information through the FTC and also the XXXX XXXX XXXX XXXX authorized by the Federal Government. 

In short, I've been plagued by a series of constant errors by the credit agencies which after researching and jumping around in hoops, is clearly the result of either : A ) Institutional bias against minority groups and denying people access to credit ; or B ) Malpractices internally at these organizations I would like to formally request a review and possible indictment of the leaders of these organizations to ensure that we are not jeopardizing working families and people trying to survive as well as grow the US Economy. 

I have evidence that I would like to submit privately or on a separate channel. 

Thank you and be safe! God bless!
Product: Credit reporting or other personal consumer reports

They informed me I was removed per request from me and primary card holder. I'm still on as an authorized user, I never approved anyone to add me as an authorized user. XXXX XXXX was XX/XX/year> at XXXX. Called today it is still on my report. I have contacted them now twice please CEASE reporting this information especially on my credit reprot. 

Account in question : XXXX account number XXXX