23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I used the text payment method provided by my creditor, Lendly, as my primary payment method. This method included a link described as secure and reliable. However, I was eventually notified of an incorrect past-due amount. In XX/XX/XXXX, I called the creditor to understand the reason for the 'missing payment ' and was informed that the text payment link expires after 24 hours, without any indication of expiration. Despite being able to input my payment information, no record of payment appeared on my account. Consequently, I switched to using the online portal for remaining payments. The only indication of the faulty payment method was the past-due notifications, which initially indicated just one missed payment. Multiple representatives acknowledged the issue with the payment method and incorrect notifications, assuring me that an investigation was underway. Despite this, I received no evidence of their investigation, leading to negative credit reporting ( 30 and 60 days past due ). From XX/XX/XXXX, I attempted to contact their compliance department for updates but was repeatedly diverted to customer service. After numerous calls, I finally received some information in XX/XX/XXXX, following my mention of reporting to the CFPB. The investigation remains unclear and unresolved, and this issue may have affected other consumers using the same text-payment method and receiving incorrect past-due notifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on a settlement agreement with XXXX XXXX and they sold my loan to STATEBRIDGE COMPANY , LLC ON XX/XX/2019. I had only 3 more payments to make and as of XX/XX/XXXX I sent all my payments to them in fact I sent and extra payment. STATEBRIDGE refuses to honor my settlement agreement and I think that is unprofessional. I have made all my payments on time. if they really wanted too they could check with XXXX to see my payment history with them and resolve this issue. I feel that they don`t want to clear this matter up. I have had XXXX to dispute this matter twice with no resolution on my behalf. I have given STATEBRIDGE and XXXX a copy of my settlement agreement to show them that I was on a settlement agreement. As of yet I have not received a positive resolution on my behalf. They are still putting a negative comment on my credit report.
Product: Debt collection

We have verbally and in writing asked Harley Davidson Credit Services to NOT call me at my employment. They still continue and now have a third party call and state they are an investigator looking for me. I have written proof asking them to stop and have the screen shots of the work phone and messages from my employer telling me all the things that are said and asking for me to get them to stop because it is upsetting to the staff. I work at non profit church.
Product: Mortgage

Hi my name is XXXX XXXX SS XXXX loan # XXXX I apply for loan modification last year bacause Im passing a hard economic problems and with me son going to university and the extra experience I was forse to ask for help On XX/XX/XXXX my mortgage company direct help me with the modification and quality In XX/XX/XXXX I started my 3 months of prove and on XX/XX/XXXX I finally got my modification paper to finish all the process. On XX/XX/XXXX I notarized all papers and send them back to them but they called me to said they dont have the paperwork They resent me another set of papers to notarized again which I did and send them back again Now I get a letter saying that my modification was canceled because they did not receive the paperwork. 
I talked to the supervisor on duty and she said that I have to re aplay again And because I dont have proven of being send the paperwork now is canceled I want to safe my house Im been pay it for XXXX I did all I was told to do and only because they said they dont have my paperwork Im loosing all I need you help and I hope you can help me My cellphone is XXXX XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

We financed the purchase of a BMW 328 with BMW Financial Services ( BMW Bank of North America ). The loan was paid off on XX/XX/XXXX. We recently decided to sell the car and accepted an offer on XXXX XX/XX/XXXX. I went to the Colorado DMV to get a copy of the title at which time I was told that BMW Financial Services still had a lien and I would have to secure a release before obtaining the title. I contacted BMW to request a release on the lien. I was told that they had purged records for XXXX and had no record of the account and therefore was impossible to release a lien. They could write a letter but that doesn't feel like something that the DMV is going to accept. However I asked them to expedite it anyway and provided my FedX account info so they could send it as quickly as possible. That was 6 days ago and have heard nothing since and this is likely to result in a lost sale, expenses, and time associated with the sale. 
( 1 ) I do not understand why upon the full payment of a loan that BMW ( or any other lender ) would not automatically remove the lien and forward the title?

( 2 ) How is it possible that a loan company would purge their records and remove any account history without taking any action to fulfill their obligation to release a lien?

( 3 ) And how it is possible that a company of BMW 's stature and reputation not go a little out of their way to assist a customer to quickly resolve the problem ( not exactly the ultimate customer experience )? 
( 4 ) Why am I now stuck with a car that I fully own and can not sell? 
( XXXX ) As a senior citizen why do I feel I am being taken advantage of? 

In a highly regulated industry that is supposed to protect the consumer how is it possible that these simple practices are not adhered to? Are there not requirements or fines for companies that fail to live up to their obligations after the consumer has fulfilled theirs?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I wrote this company XXXX Aargon Collection Agency ) XXXX different times ( XXXX & XX/XX/2023 ) asking them to validate & investigate the alleged item that they are reporting on my credit report. I have asked this company to 1. Provide documents bearing their signature to validate this alleged debt. 
2. Proof of their right to own/collect this alleged debt.

3. Contract bearing my personal signature.

4. Any documents bearing my personal signature showing that I have a legally binding contractual obligation to them the alleged debt. 
They are ignoring my request for validation of this alleged debt by sending a printout of a bill or itemized documents. I have made them aware that this does not constitute verification. Every letter to this company I have formally asked for a copy of the above items. I have gotten nothing but silence. 

This is causing damage to my character. 

.
Product: Checking or savings account

I had a Checking and Savings. They closed my savings and made it into a checking without my permission. Then they took the overdraft protection off my original checking account and starting charging me 35 overdraft fees for over a two years. At times I was paying over {$200.00} a month in over draft fees. I was told they notified me of the changes but I never got any mail or emails about the changes. And I was told I couldn't be refunded my money.
Product: Credit reporting or other personal consumer reports

Found out once I got a notification of payment due by a monitoring company I use. Gm financial allowed my ex spouse access my account via phone in XX/XX/year> and defer payments for 2 months. Judge signed decree he's excluded from loan. Nothing in email or mail or attempt to notification of this by gm financial. My online account was locked, unable to recover account. I finally got a notification about account and it's due. This payment was autopay to one of my bank accounts. Ex spouse had stopped payments to all of his debt in my name. That's a legal issue I'm waiting for garnishments to begin local court order. 
Long story short, after stop payment by former spouse, he withdrew last of funds & closed that bank account that I had. At the time I had 2, one of which he wasn't aware of so no potential access. Called gm financial advised them I was unaware of this deferred 2 months, just found out about bank closure. Asked what was due and how quick to pay to avoid credit reporting negative and repo. Advised XXXX due. Asked if I could pay the following week, note account payment to be made by x date. Agreed on that and told no negative reporting unless non payment beyond the date agreed. Flawless credit history never a negative mark. This bank closure without knowledge caused me so far over XXXX in open unused credit lines to be revoked for this 1 bad mark when paid as agreed. Plus another account different creditor who applied payment incorrectly to wrong account of the 2 I had with that company reporting 90 days late when it never was, actually paid more than minimum. Anyways due to this 1 bad mark, and another my credit score went down XXXX or so points from never missing payment in 20 years of building credit. Now two credit lines with 1 creditor closed by creditor even though XXXX balance on one, and XXXX balance on another that I had just put less than a week previous plus 60 days prior paid off the XXXX balance I did have. In attempt to stop this snowball for wrong reporting, paid off XXXX in debt immediately making several accounts XXXX owed. Lost 2 of my longest cards so lowering credit again as of last week since average decreased by 4 years from those 8 yr active accounts gone. I paid as agreed. Gm financial will not allow password recovery online by sending self email. Ex spouse didn't ever have a log in, but accessed and said right things to defer without my knowledge. No notification of said access by mail. I can see exactly why one would say nah I'm not paying just bankrupt make it go away, which can be done due to income however I put my credit above anything else after watching loved ones lose everything from addictions. Same with former spouse also filed previously to marriage, and is soon to file again the one who gained access to this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The Apple Credit Card has violated my rights Under 15 USC 1681 Section 6O2 states I have the right to privacy 15 USC 1681 Section 6O4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USACS 1666B A creditor may not treat a payment on an credit card under an open-end as late for any purpose.
Product: Debt collection

CFPB Response Closed With Explanation XXXX XXXX ( Case # XXXX ) XX/XX/2022 Client Services , IncXXXX XXXX XXXX ) is a financial services provider, which represents clients in recovering delinquent account balances. Please be aware, XXXX does not purchase delinquent debt or file litigation against consumers. XXXX collection efforts are limited to telephone calls and written correspondence. XXXX appreciates that XXXX XXXX has taken the time to make the company aware of the situation. XXXX strives to build and maintain good relationships with consumers and appreciates all opportunities to resolve consumer concerns. Please be assured that XXXX takes all complaints very seriously. XXXX has conducted a thorough investigation of XXXX XXXX claims. We received XXXX XXXX accounts on XXXX. Per XXXX XXXX request, the accounts have been placed in cease and desist status and XXXX XXXX will not receive any more communication from Client Services , Inc . If they would like to discuss this matter, XXXX can be reached at XXXX. Thank you for giving XXXX the opportunity to investigate this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX, XXXX XXXX XXXXk # XXXX, XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX, XXXX XXXX XXXX, US DEPARTMENT OF ED XXXX XXXX, and XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have ask the for itemization of record from these creditors XXXX XXXX XXXX, XXXX XXXX and Portfolio they have yet reply to my request. Can you please ask them to do so. I should not have to be filing this complaint against them if they would just do their work ask of them.
Product: Bank account or service

Well Fargo XXXX took {$300.00} out of my business saving account with out my permission or authorization on XXXX/XXXX/2016 and will not return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Experian to investigate the reporting of inaccurate information that's on my credit report and they continuously violate the FCRA by not conducting a proper investigation. I wrote them on XX/XX/XXXX and they failed to provide the results of their investigation. They are still reporting this inaccurate information even though they were notified it was wrong. I also reached out to the creditor who also failed to respond.
Product: Debt collection

In XX/XX/2018, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Illinois XXXX ), a healthcare provider, sent a letter requesting a payment for {$3700.00} for prescription services rendered to me from XX/XX/2016 - XX/XX/2017. It appeared this one-time healthcare provider was paying my medical prescription without my knowledge or approval. Since I left the company in XX/XX/2015, my new health insurer, XXXX/XXXX ( XXXX XXXX XXXX, XXXX, Arizona XXXX ), should have taken over with my healthcare needs.

In an attempt to resolve this matter with a XXXX XXXX financial representative, I asked a very important question as to why their company accepted the billings from a pharmacy knowing full well I was no longer a client. I was not able to get an answer. I explained to the representative I would do everything in my power to contact my current healthcare provider and find resolution in paying this debt.

I filed a medical reimbursement claim with XXXX/XXXX, including a background history of the occurrences and any monies being paid should go directly to XXXX XXXX, and not to me since I refuse to pay for services in which XXXX/XXXX should be providing.

After a lengthy battle with XXXX/XXXX, the healthcare provider finally made good on XX/XX/2018 and paid XXXX XXXX {$2900.00}. There is still a dispute of {$810.00} being owed and I am in the process of resolving this.

However, as I worked tirelessly in resolving this matter, it was brought to my attention XXXX XXXX transferred the disputed amount over to a collection agency ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX ). In turn, XXXX XXXX XXXX XXXX filed the attempted collection with the credit agencies, XXXX and XXXX. This reporting has severely damaged my credit scores. On top of this, XXXX XXXX XXXX XXXX initiated 10 separate claims, each claim with a different amount, to make it difficult for me to file a dispute with the credit agencies.

Although this was deterrent for me to file a dispute, I did so anyway. I just received the results from XXXX today ( XX/XX/2018 ). After forwarding my disputes to XXXX XXXX XXXX XXXX, the findings of each claim made by them still stands even though a payment has made to their client, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After twice writing to XXXX and XXXX asking for them to adhere to federal law sending me physical proof of these alleged debts they 're reporting, both times they have NOT and keep reporting these two fraudulent accounts as this infringes upon my consumer rights and also are violating my civil rights.The alleged debts they are reporting are from some company named Lockhart Morris and Mont in the amount of {$4800.00} and XXXX XXXX with a paid charge off of $ XXXX.I have also reached out to the both of them to no avail.I thought XXXX and XXXX were suppose to physically verify alleged debts before reporting.
Product: Credit card

I paid my credit card ahead of time and I pay more than needed, so my card was in the negative digits. I did this because I already knew I was going to use my card later so I didn't have to worry forgetting to pay my card ; I have been doing this for 3 years ( that's when I first got my credit card ), and I never had an issue. Then I found out my bank issued a refund for the negative balance, but the money wasn't refunded to my debit card. Essentially they just took my money for something that was never an issue to begin with. 

The " refund '' was issued on XX/XX/year>, and the amount was {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a road trip with my friend and we used a friends car that got broken into to and my purse got stolen along with all my personal information, There was a lot of fraud accounts that have been made and have been opened since my belongings have been stolen such as : XXXX XXXX credit card, XXXX XXXX credit card and XXXX XXXX XXXX Credit Card. I also have 12 inquiries on my credit report that I did not authorize such as : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX. My name is also spelled wrong on my credit report its spelled XXXX XXXX
Product: Vehicle loan or lease

I was at the end of my loan in XX/XX/XXXX. Called to get payoff the auto loan for XXXX and was told I would be receiving the title in 7-10 days. I waited but never received the title. After checking online account the payment did not pay off account and additional principal was added for {$20.00} plus interest and late fees of {$100.00} totaling additional {$270.00} still owing to payoff the acct. The representative today XX/XX/XXXX said that if I paid this I could have my title but her disclaimer added unless there are additional fees then I would not get my title until those are taken care of. I asked her to confirm there are no extra charges so that this additional payment would guarantee my title and she said that she had no way of knowing because there could be additonal fees or past payment reversals. So at this time my title is dangling just out of reach by additional fees and interest. I understood that when you requested a payoff that all additional interest and fees were included in that amount but for Wells Fargo they conveniently add those additonal fees after the fact the keep the title in their possession.
Product: Student loan

I have filed for forbearance, and also tried to report that I am XXXX now. I now received a letter from a collection agency without any notice from Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 XXXX XXXX XXXX XXXX XXXX  are being reported on my Experian Credit Report, we are a victim of identity theft.
Product: Consumer Loan

I voluntarily surrendered a car that I bought in XXXX. GM Financial Closed the acct as derogatory- charge off .... " No payment history reported to creditor '', closed date of XXXX/XXXX/XXXX. They are still reporting monthly with a last payment date of XXXX/XXXX/XXXX, past due bal of {$16000.00} .... I filed a dispute with XXXX asking them to investigate as the statue of limitations for TX is 4 years, and if the acct has been listed as closed-charge off since XXXX/XXXX/XXXX there should not be any last payments nor missed payment reported. The dispute was completed on XXXX/XXXX/XXXX, and GM added new information to the acct. They have now changed the status to open-derogatory, deleted the closed date, date of last payment has now been changed to XXXX/XXXX/XXXX, past due amount still shows {$16000.00}. No matter what date you change the last payment date to, looks like they tried to change so it would now be before the charge off, it is still past the four year SOL law for TX. They are filing inaccurate data on my report and have refused to delete it. A creditor can not just change the data on ones report to try to make it " look right ''. A 's far as the new status goes, GM Financial is the original ceditor, and no where on the older reports does it indicate that the acct was closed due to being sold to a XXXX XXXX. By placing the status back to " open '' they are trying to REAGE my acct. This is ILLEGAL. I demand this be removed from my report and they be investigated, for illegal credit reporting and retaliation for a dispute being filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company verified they received my later on XX/XX/XXXX. As of yet the company has yet to validate the information on my Credit Report collections nor inquiries. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. XX/XX/XXXX The Manager XXXX states the company does not have this information in there records, the manager requested I contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American Jurisprudence 73 AM Our 2d.Section 90-93 companies ca n't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be removed, this is no contract between the companies and myself.