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

I got an auto loan through Suntrust, now Truist and set up auto-withdrawal on my checking account. They withdrew {$4000.00} monthly for several years. On XX/XX/XXXXXXXX I got a debt collection notice saying my payment was past due. I called asking how that was possible because they withdraw it automatically. They responded that the last payment has to be mailed, stating that they had send something in the mail explaining that. I explained that I had not received any such notice. They then said that I would have been told that on the phone when I set up the auto payment years before. Really! Nonetheless I made a payment over the phone in the amount of {$4800.00} on XX/XX/XXXX XXXX, for the payoff and interest penalty. I said I wanted to dispute the {$200.00} late fee that they added. I asked for assurance that a report was not made on my credit and was told that it wasn't reported and that an account had to be 35 days past due before a report was made. I asked for the legal department and was given a phone number of XXXX and a confirmation number of XXXX and case # XXXX on my dispute. I called the number and left a voice mail for XXXX XXXX. On XX/XX/XXXX ( 29 days later ) they reported me to the credit bureau as 30 days past due for the {$200.00}, but I was not aware until today. They were non responsive to my dispute and sent me a bill for the {$200.00}. I went to pay it online but could not access the payment portal and mailed the {$200.00} late fee just to make sure my credit was not affected while the dispute was pending and they reported the loan paid off but put another late mark for 60 days past due on my credit on XX/XX/XXXXXXXX XXXX I tried to call but because my account is paid their system wont take the call and the number for the legal department is no longer valid. I had a XXXX credit score that is now XXXX. My XXXX XXXX XXXX  line of credit is also up for renewal and will not renew because of their false reporting. This is unconscionable!
Product: Debt collection

Back in XXXX of XXXX, I made a complaint with the XXXX on XXXX because they tried to overcharge me and it was impossible to make payments on the phone with their system. The hold times were huge and the phone libnes would get disconnected so I told them I wanted to end my prepaid phoine service with them because it was too stressful. I told them I would be paying this last payment and I did not want to be charged again so make sure this is all I owe. I paid them the last payment and they ended the service. It wasn't even a subscription service. It was prepaid, so I could end anytime. Fast forward to XX/XX/XXXX, I get an email from a XXXX XXXX at XXXX. The email said, " This account has been placed with XXXX XXXX for collection. Continue to our website to view your summary. Your balance of {$360.00}, originally owed to XXXX XXXX but now owned by XXXX XXXX XXXX XXXX XXXX is still outstanding, and once you view your summary you can view your payment options. '' They sold my information to a creditor when I paid them 2 years ago to end my service. They obviously racked up new charges, even though I told her to make it clear that that was the last payment I needed to pay to get out of the service. I only paid XXXX about {$28.00} and some change each month for this account, so where is this {$360.00} amount coming from? They illegally sold my information to a bill collector. This is awful, and I don't appreciate them selling my information when I don't owe them anything more. That's illegal and an invasion of my privacy..I paid them that last bill when I made the complaint, so they obviously racked up the bill and then sold it to collections, even though it should have been paid and ended. They didn't even send any bill notices even though there should not have been a anymore bills. I hate getting in subsciption plans because they do this and it's impossible to egt out so it ends up in collections, but this was a prepaid plan, so why are they even doing this?
Product: Debt collection

in a letter dated XX/XX/XXXX I received a letter from Diversified Adjustment Service Inc stating the attempt to collect a debt for XXXX and that I can dispute it in writing by XXXX. They state collection activity should stop on the amount disputed which is {$510.00} according to the letter. I also have been getting multiple daily messages via email advising on options of how to pay the debt. I have never contracted with this company. The letter states Diversified Adjustment Service Inc are licensed in Minnesota. 

I contacted the original creditor XXXX on XX/XX/XXXX with a payment instrument to offset the balance via registered mail and submitted a follow-up on XX/XX/XXXX. The payment was refused and forwarded to collections thereafter.
Product: Mortgage

I am submitting this new complaint because Shellpoint Mortgage closed my last complaint ( XXXX ) without a resolution. Please confirm if the property tax is escrowed and Shellpoint Mortgage will send the payment ( in the amount of {$3500.00} ) to XXXX XXXX, before the deadline of XX/XX/2021. If it is not paid before the deadline, Shellpoint Mortgage will be responsible for the late fees and related interest charge.

I have called Shellpoint Mortgage many times. Each time, I get a slightly difference response, ranging from " we don't have the tax bill '' to " please pay directly yourself because it is not escrowed. ''
Product: Debt collection

I was being overcharged in interest rates so I decided to pay off my Discover card close the account, which I did. I received a bill for ~ {$1.00}, called and was told they forgot to charge me that amount. I didn't pay the additional money as they had already overcharged me and I closed the account, paying what they said I owe. I filed a complaint and I'm now being told I ordered XXXX XXXX, which I never have. Any chagres should have been included in the amount I paid to close the account, and no changes were made after closing it. The woman kept trying to get me to keep the account open and I kept declining so perhaps she didn't close it, whatever the case, I paid off the balance and requested the account is closed. This company calls all time of day and night, harassing me. They send multiple communications a month. I paid the balance they said I owed and it was an overcharge in itself. I do not owe them a dime and I've never ordered XXXX XXXX.
Product: Student loan

For the past several months ( and for a year prior ) I have been attempting to have four loans ( loans 1,2,3 and 4 ) placed into forbearance due exclusively to a borrowers defense application against XXXX colleges. However, it seems difficult to place these four loans into the correct status. I have a total of fourteen loans with fedloan servicing and they have continually placed all loans, a few loans and the incorrect loans into the forbearance status. I had called them weekly to push to get this resolved. I have explained explicitly that I wanted loans 1-4 placed in forbearance and loans 5-14 placed into repayment. However, this was beyond their comprehension until XX/XX/2019 when I had to repeatedly be transferred to managers to handle a simple issue. I then find out that a loan was not ever included into the repayment and was left in forbearance. Not only has this been a huge waste of time and resources I have a charge of {$1800.00} in interest capitalization because they failed to place the proper and correct loans into the forbearance and repayment status. Even when speaking to first level employees and supervisors they repeatedly stated the only way to have this done is to keep ALL loans in a forbearance status even after I stated that I wanted to repay my loans and not accrue further interest charges. I feel like this is fraudulent and not in the best interest of the consumers/loan borrowers. Fedloan is not being held accountable for their actions and their divulgence of information
Product: Debt collection

I got a call from Lloyd and McDaniel I believe in XXXX from a very rude guy name XXXX regarding some alleged debt with a credit card from XXXX XXXX. He wasnt able to prove to me that I owe this debt by proving an original contract or anything showing this debt was mine. He proceeds to tell me that he sent a wage garnishment to my employer which was an old employer and all this was sent without my knowledge. I wasnt concerned being that I didnt work with the company he said he sent he garnishment too and I didnt owe this debt. XXXX then says thats fine and he continues to push and tell me that I needed to pay {$350.00} on this debt or my wages would be garnished with my new employer. I state to him I dont owe anything why would I pay. He goes on and on saying what will happen so me I give in without knowing my rights and made this payment of {$350.00} to avoid my wages being garnished while I dispute the account with XXXX XXXX being that this isnt my debt. Even though I made that payment in XXXX, Lloyd and McDaniel still sent a wage garnishment to my new employer and my wages are being garnished. I feel that this was very wrong of them and they have gotten over on me and no telling how many other people they are lying too in order to collect money. They need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

u s dept of education sent a letter dated XX/XX/XXXX stating my loan is in defalt status due to non payment. i told them i had been hospitalized sice XX/XX/XXXX that i am putting applications in for ft employment. 

i had my mother to set up a paymentplant to take out automatic withdrawls from her credit card XX/XX/XXXX. they received the payment and did not remove the money every month. 

i have applied to a XXXX XXXX XXXX position to assist me in my loan repayment but i will not be hired untill this is resolved. 

i called the and was told it was sent to the immediate credit recovery, XXXX XXXX only getting voiice mail. and i complaind to the dept of education default resolution group, XXXX TX, XXXX XXXX XXXX i was told the phones mut be down due to BAD weather???? 

i will not be hired if this is not resolved.
Product: Credit card

The late payments in question violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 15 U.S. Code 1681b, which mandate accurate reporting of credit information and disclosure of permissible purposes for accessing credit reports. Additionally, the creditor 's actions may be in violation of 15 U.S. Code 1666b, which prohibits creditors from treating credit card payments as late under certain circumstances. 

Despite my attempts to rectify the situation directly with the creditor, the late payments remain on my credit report, causing undue financial harm and impeding my ability to access credit on fair terms. I am reporting this because I want to ensure compliance with federal regulations governing credit reporting and lending practices. 

DISCOVER - XXXX
Product: Debt collection

hello, my name is XXXX XXXX and I am a victim of id theft. Someone stole my personal information and rented an apartment in my name, the following account was fraudulently opened in my name : RESERVE AT XXXX XXXX XXXX XXXX  ) OPENED : XXXX XXXX I HAVE ENCLOSED MY FTC REPORT
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$5300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I previously disputed these accounts with the relevant credit bureau ( TRANSUNION ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation. 

The accounts in question are as follows : XXXX. Account Number : XXXX Creditor : XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX. Account XXXX : XXXX Creditor : XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX. Account XXXX : XXXX Creditor : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account XXXX : XXXX Creditor : XXXX XXXX Last Reported : XX/XX/XXXX XXXX. Account XXXX : XXXX XXXX : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account XXXX : XXXX Creditor : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX Last XXXX Since the credit bureau could not XXXX the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report.

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports. 

I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service 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.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not + comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 283 financial loss, and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX XXXX  - XXXX - {$1400.00} Late Payment XXXX - XXXX - {$1600.00} XXXX - XXXX - {$16000.00} XXXX - XXXX - {$1100.00} XXXX XXXX - XXXX - {$9600.00} XXXX  XXXX - XXXX - {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this account because it is incorrectly reporting on my EQUIFAX credit report. 

I've attached the screenshot of my report I paid for today XX/XX/2020. You'll see that on XXXX it is " Exceptionally payment history ''. I've never missed a payment
Product: Credit card

I PURCHASED A LOVESEAT FROM XXXX AND PUT DOWN {$130.00} ON THE FURNITURE AND FINANCED THE REMAINING. I RECEIVED A BILL FROM XXXX THRU SYNCHRONY BANK AND THE RETAILER DID NOT PUT THE {$130.00} TOWARDS THE PURCHASE AND CHARGED ME FOR THE FULL AMOUNT. THE {$130.00} WAS NOT SHOWN ON THE BILL AND THEY BOTH CLAIM SEPARATE FUNDS WHICH THEY DID NOT EXPLAIN AT THE TIME OF PURCHASE. I FIND THIS VERY DISTURBING AS EVERY ONE OF THESE CREDIT CARD COMPANIES CLAIM SEPARATE MONIES TOWARD THE SAME BILL. 

ANOTHER CREDIT CARD COMPANY XXXX SENDS YOU A CREDIT CARD AND THEN A WEEK LATER SEND YOU INFORMATION ON THE CHARGES INVOLVED AND START SENDING YOU BILLS AFTER YOU HAVE CANCELED THE CARD. 

THIS IS NOT A ISOLATED ISSUE AND I STRONGLY FEEL THAT THESE ENTITIES ARE SCAMMING PEOPLE AND I HAVE ALREADY CONTACTED THE MEDIA ON ONE ISSUE AND I WANT THESE SCAMS TO STOP AND I WANT IT TO BE PUBLICLY OUT THERE TO WATCH FOR THESE SCAM ARTISTS. 

THE CREDIT CARD COMPANIES AND THE BANKS ARE STEALING MONEY FROM PEOPLE AND THEN TELLING THEM AFTER THE FACT AND I 'M SURE IN SOME INSTANCES PEOPLE DO NOT EXPECT THIS AND USE THE CARDS AND THEN GET STUCK WITH ALL KINDS OF BOGUS CHARGES. THIS NEEDS TO STOP.
Product: Mortgage

I filed for XXXX XXXX because I'm having a hard time making such large payments. when i took out this loan XXXX years ago my monthly payment was {$600.00}, and now with the interest rate hike its over XXXX!!!!!!!!!!!! i got an approval letter with an offer of XXXX XXXX  monthly payment!!!!!!! when trying to call and explain my situation i reach people who sit in XXXX which have no idea what's flying, tried reaching out to them so many times but there is no one to talk to
Product: Student loan

High limited an application in XXXX  to be part of a lawsuit.Call sweet versus cardona. Although I am part of this lawsuit, I have been unable to gain proper information in regards to the amount paid to the loan. Part of the lawsuit is for me to receive back pay of what I have paid. I have tried XXXX, XXXX and navigation and all I get is the run around. I am part of the automatic release group and should have received full refund of money. That was garnished or money. I paid towards alone, but I'm unable to have this issue resolved..
Product: Vehicle loan or lease

I had this car loan thru NAFCO back in XXXX never late except this month it was XXXX weeks behind due to me being XXXX XXXX XXXX and I did tell them and I told them id have the payment into them asap. On Tuesday night XX/XX/XXXX they sent a repo guy to get my car. Even tho they have a interlock device on the car they didn't use but they instead repo it for being 2 weeks behind they told me to find another company to finance it or in 15 days they will sell the car. They won't work with me nor except my payment to get it current!!! I have never felt like its a slap in the face cause of how they do business. I was always in communication with them and just for 2 weeks late they did this and I feel mistreated and they burnt me with just being not a month behind
Product: Mortgage

Hello, That would be a second complaint on CIT Bank and their XXXX  company ( XXXX  ). 
So let me explain a situation I'm now. I was making payments and my credit report got an alert was saying it looks like I'm missing payments. I have looked at XXXX XXXX and shows the the second mortgage at CIT bank, then runs by XXXX is past due, so I thought well I paid it should be get current. But it's still continue same situation. So I have log into the account at XXXX and found I past due XXXX dollars even I paid XXXX dollars per XXXX  XXXX XXXX statements. So the XXXX specialist suggested me to send email to Research Payment at XXXX. I did they replied me with this : " Thank you for contacting us! 
The payments were refunded to your bill pay service on XX/XX/22 & XX/XX/22 & XX/XX/22, please contact them about the payment refunds. Feel free to contact us if you have any further questions. Were always happy to assist you. 
Have you checked our website? Our Frequently Asked Questions page may have the answers youre looking for. '' So I checked with XXXX  XXXX XXXX ( my checking account ), they said they have tried several time to submit payments but it was return back!!!. 
So I called the XXXX and they said it's because balloon mortgage loan, so it's due the whole amount. 
So this is important part : I have never got a full statement to pay all XXXX dollars balance, I have never been communicated from XXXX or CIT bank that is needed to pay a full amount. No-one called me from CIT bank to tell me that is needed to be payoff. 
I have attached latest statements that shown I owned the current payment due but not a full balance!. It's looked like they are trying to foreclosure the house under no communication with me at all. Where is the true in this situation!!!