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

I have been with Title Max for almost 5 years as of 2018 to pay off the XXXX I borrowed. Over the last 5 years I have made payments in excess of over XXXX because the note was XXXX a month or the full amount by the next installment date. But since I lost my business I have been late on my payments they did a repossession last XXXX on XXXX XXXX XXXX XXXX XXXX. Now I have been trying to make 2 payments a month just to get rid of the Company. But I do not know how to do this. This past Saturday I got a notice repossession because I only made a partial payment. I owe {$660.00} as of XXXX XXXX I will make this payment. But every payment I make does not make the initial loan go down in anyway. Also I am told to go to their website and signed the renewal every time. That just make me sign the whole loan agreement over every time at 136 % interest rate. Can someone give me some advice please.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Late Payment XXXX  # XXXX XXXX # XXXX XXXX # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied with Credit Fresh at a very desperate time. I had been denied a loan everywhere else and was desperate because my home was in foreclosure and I needed the money to catch it up and save my home. I was at first denied and I called to explain my situation and asked if there was anything they could do. Im not sure what they did, but after another application, and waiting on hold for a while, I was approved. After the first payment I noticed the principle amount was higher than the original borrowed amount. I contacted them and thats when the billing cycle fees were explained to me. Essentially, Im supposed to be paying {$150.00} or so every two weeks but almost none of it goes toward the principle amount. I feel these fees were not explained to me at all and in a clear way prior to me accepting the loan and using the money. I also think they did something fishy to get me approved to begin with.
Product: Checking or savings account

I opened a business checking account on XX/XX/XXXX with the promo code XXXX which states that if I deposit {$30000.00} within 30 days and maintain the {$30000.00} balance on day 60, I'd receive a {$900.00} bonus. The terms also indicate that if I maintain a {$25000.00} average daily balance, the monthly service fee would be waived. I completed the {$30000.00} deposit of new funds on XX/XX/XXXX and was not charged a monthly service fee for the statement period between XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I was assessed a XXXX XXXX  monthly service fee which brought by balance down to {$29000.00} even though I met the requirements to for a monthly service fee waiver by maintaining a monthly balance of {$25000.00}. The unmerited assessment of {$30.00} put my balance under the {$30000.00} stated which disqualified me from the bonus. Please see the attached statements for reference.
Product: Vehicle loan or lease

In 2014 I purchased my car financing it though Santander Consumer. With the paperwork I had signed and the terms were for 72 months and the financed amount. I have paid the 72 months and the agreed amount to Santander. They are trying to charge me an additional over {$7000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/2020 i've been sending disputes letters regarding Inaccurate and Unverifiable information on my credit report to the credit bureaus that they're refusing to send proof of documentation of my signed signatures on any application or contracts regarding my credit file. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In results of your investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 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. 

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX : 1. 
XXXX Account Number : XXXX Please remove it from my credit report immediately. 

2. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

XXXX : 1. 
XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

2. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

Equifax : 1. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

2. 
Account Number : XXXX Please remove it from my credit report immediately.
Product: Debt collection

I am writing to file a formal complaint against XXXX for unauthorized disclosure of debt to a third party, Jefferson Capitol Systems. On XX/XX/year> XXXX XXXX  communicated details of my debt to XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX. This unauthorized disclosure has caused undue stress and violated my rights as a consumer. 

Despite the provisions outlined in 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), XXXX 's action resulted in the transmission of sensitive financial information to a party not involved in the debt collection process. This breach of confidentiality has not only compromised my privacy but has also caused significant XXXX and XXXX. 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against XXXX for their unauthorized disclosure of my debt to Jefferson Capitol Systems. Furthermore, I request that XXXX refrain from any further unauthorized disclosures of my personal financial information to third parties. 

Thank you for your attention to this serious matter. I trust that the Consumer Financial Protection Bureau will take swift action to address this violation and protect the rights of consumers.
Product: Checking or savings account

Claim # XXXX I was denied this claim. I sent the merchandise back to the merchant and never received a refund. The bank said that the merchant attached documentation that stated it was a legitimate claim. I never said it was illegitimate. I said I returned it for a refund. Capital One lied, they did not attach any proof that the company sent me a refund or any other proof. I want my money refunded. I no longer have the product. Why am I paying for it???????? Capital One needs to be dealt with because this is not the first time they have wrongly denied a claim and I am thinking of taking legal action because this is getting ridiculous. They keep denying claims for reasons that I did not even file the claim : illegitimacy??! Really?? I said I am owed a refund because I returned it to the merchant. I will be handling this further if they do not appeal this decision. I sent them the tracking information attached that I sent back the merchandise!!!!!!! It was delivered back in XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit card or prepaid card

Hi TJX Rep ; How are you and hoping that you're safe and sound during this pandemic that we're facing. I just pulled my credit and noticed a late payment of {$6.00} on this account. I'm not sure how can this be even possible during this COVID-19 that we're facing. I was shocked when I reviewed my credit report and found that late payment in XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Money transfer, virtual currency, or money service

Back in XXXX I have attempted to make online payments to mariner finance they had gone into a update fine. I later attempted to make my payment it didn't accept the payment there was a error on the page and said it couldn't process payment at this time I did send them a message notification about the issue with the site and nothing was done they called my work in a effort for what ever intimidating me. They call every day and now they sat I can't make a payment unless it's current which doesn't make sense. As you can see towards the end of XXXX it was trying to get me to skip payment but it wouldn't allow me to make a payment. And the attached screen shot of the communication today is unheard of.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : 1. XXXX XX/XX/XXXX XXXX # XXXX 2. XXXX XX/XX/XXXX - # XXXX 3. XXXX 4. XXXX  XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX 9. XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have inaccuracies reporting on the following accounts : Account Name : Credit Coll Account Number:XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got into a severe car accident back in XXXX and since then I have been trying to have GAP INSURANCE to pay for the deficience balance of {$6000.00} and they finally sent {$4500.00} last towards that and mailing out the difference this month. I am really concerned about the account because the lates shouldn't be there if GAP acted in a timely manner. I am pleading to you to have these lates removed or deleted.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized hard-inquiry was placed on my XXXX credit report today by CBNA ( Citibank ) with the address XXXX XXXX XXXX, XXXX XXXX, SD XXXX which corresponds with Citibank 's address. I contacted XXXX ( the sole credit reporting agency which provided the hard inquiry to Citibank ) and they said I would need to get a letter of deletion from Citibank to forward to XXXX which is the only possible way I would be able to get the hard inquiry removed. I then contacted Citibank multiple times to ask for the letter of deletion as I did not authorize that hard inquiry and Citibank said multiple times that since they can not find any applications for credit in their systems which are connected to my social security number, they can not provide a letter of deletion for the hard inquiry. I then contacted XXXX again to let them know what Citibank said and XXXX once again said they can not remove the inquiry without a letter of deletion from Citibank. I am currently stuck with an erroneous hard inquiry negatively effecting my credit report for the next 2 years that I did not authorize due to Citibank 's unwillingness to provide a letter of deletion although they can not find an application tied to my social security number. Citibank 's inability to locate any applications tied to my social security number should be even more of a reason for them to provide me with a letter of deletion as it appears Citibank pulled a hard inquiry on my credit report without any authorization ( legitimate or illegitimate ) whatsoever from anyone.
Product: Checking or savings account

On XX/XX/2021, the ATM machine at the PNC Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX, took in my cash deposit without properly accounting for it. The machine failed to capture the actual transaction by way of not producing a receipt. I, then immediately notified a bank associate. This associate informed me that he had no access to the ATM machine and that it was procedure to wait for a company that accesses and verifies transactions. Subsequently, I was given a temporary credit by the bank while they conducted an investigation of this unfortunate event. They denied my truth and sent me a letter a COUPLE months later one night before the given date, which cause my account to spiral in the negative direction. This letter in quote read, " we have completed our investigation of your claim and determined that no error occurred in the processing of this transaction. Please be advised that the provisional ( temporary ) credit totaling XXXX that had been previously credited to your PNC Smartaccess card will be reversed on XX/XX/2021, which is five business days from the date of this letter '' being XX/XX/2021. With that being said, I did not receive this letter until the night before the given date which left me little to no time to react to it. I am concerned that they will try to put this on my credit report erroneously. I am already a victim of fraud and this has caused me more distress and an insult to injury. The bank is supposed to be a protector for consumers against illegal and fraudulent activities and not to be the perpetrator of them.
Product: Credit reporting or other personal consumer reports

I am dissatisfied with your claims and am challenging them due to the lack of substantial evidence to support your stance. I strongly encourage you to dispute this representation. Otherwise, I will take legal action against you. Let 's make it absolutely clear : I am a victim of identity theft, and it's an extremely distressing situation that no one should experience. Instead of finding assistance and understanding from your organization, I've encountered apathy and disrespect. Who do you think you are to dismiss my complaint as if it's inconsequential? Your dismissive attitude is not acceptable. I am the one grappling with the nightmare of unauthorized accounts and financial chaos, not you. I demand that you take my identity theft report seriously and initiate a comprehensive investigation without further delays. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Midland Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Midland Credit XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. 
I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, My loan with XXXX is incorrectly showing status and all my payment information is not there. As per new credit report, it is showing the last payment was XX/XX/XXXX ( XX/XX/XXXX ), when I am paying every month and it not showing that. Also, it is not reporting any of my trial payment that I made before. It is also incorrectly showing XXXX days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & prior months. I have sent letter to this company with " goodwill deletion request '' and so far, has not been granted. Prior XX/XX/XXXX, I was not responsible for these payments due to XXXX settlement, and I even presented that stipulation.
Product: Credit reporting or other personal consumer reports

to whom it may concern i got a bunch of hard inquries list dates and comapnies i never applied or gave anyone authorization to run my credit score i've tried to call these companies and get the run around. 

XXXX XXXX XX/XX/XXXX to XX/XX/XXXX and beyond XXXX XXXX XX/XX/XXXX to XX/XX/XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were established without my authorization, likely due to a data breach. Pursuant to my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Fraudulent Accounts : XXXX  - XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Mortgage

From XXXX prior complaints that had been closed, PNC mortgage continues to notify me that the situation has been resolved but as of today, my monthly escrow amount is double what it should be. I've attempted to request them to revalulate my escrow in the past and each agent responds by saying : either they only do revaluation in XXXX & XXXX, OR it can only be done once a year ( XXXX ), OR they have submitted the request. In prior year XXXX, my annual insurance premium was {$680.00} and my property tax was {$210.00} so therefore my total yearly escrow amount should be around {$900.00} yet my monthly escrow amount is {$200.00} which amounts to {$2400.00} ( an overage of {$1500.00} ). So now they said they issued a refund of {$1500.00} on XX/XX/XXXX ( though i have not received it yet as of XX/XX/XXXX ) BUT my next monthly escrows is still set at {$200.00}. I have tried to request that i take over paying my tax & insurance and thus close the escrow account but they said I would have to pay an escrow closure fee of {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It Concerns : A collection agency, LVNV Funding purchased XXXX separate long since " closed and written off '' accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) probably for {$100.00} each. My complaint is that LVNV funding, has been allowed, at the credit bureau ( XXXX ), to adjust the original amounts of final debt and dates of such debt. with the original creditors. Such adjustments have changed the " seven-year reporting timeframe '' of such debt ( extended the dates of eventual removal of such debt and added dollar amounts to the original debt that were not incurred with the original creditors ). Such reporting is unfair and inaccurate. 

I am requesting that the original reported dates and amounts by the original creditors be reported, not LVNV Funding 's dates and amounts.
Product: Mortgage

My mortgage was sold from XXXX to XXXX over a year ago now, my payment for XXXX 2015 was sent to XXXX, but was never forwarded or returned to me. I have called both PrimeLending and XXXX for resolution and they continually give me the run around, I have multiple tickets in with XXXX regarding my payment and have been told the issue is closed and resolved every time I call to check. They have yet to actually resolve the issue and I have called multiple times and sent them documents multiple times without resolution to the issue. On the flip side, PrimeLending is charging me late fees monthly for a missing payment that I technically never missed, I originally called them when the issue first came up and they told me they would take care of it, I called them multiple times over the ensuing months and they kept saying they were taking care of it only to find out later from an employee at PrimeLending that the truth is they would never do anything about it. Essentially XXXX and/or PrimeLending is holding my payment and is not applying it to my mortgage and neither is calling me regarding my complaints filed with them, every time I call either my complaints are closed without contacting me or giving me any resolution or without fixing my mortgage.
Product: Mortgage

The most recent and concerning situation with my mortgage is in finding out I apparently have a " recovery loan ''. I reached out about assumption information for a potential buyer on my VA home loan property, to then find out it is no longer assumable as it is apparently a " recovery loan ''. I asked what a recovery loan was and was told to ask the owner. Well, I am the owner of the property. I have since reached out to an attorney for clarity on this matter to ensure proper channels are taken to get this status removed from my loan. I have NEVER missed a month, and my mortgage is current. I am now unable to sell my home under assumable circumstances because there is this false status on my loan. Not to mention when I call to speak with my company, who was looked up by the attorney, states is the actual lender : they are telling me that they are a debt collector ( aka I suppose the servicer ), however, the person that shows as my lender on the statement, is listed online as a servicer not a mortgage lender. So, I have loads of back and forth on who is allowed or who will willingly speak with me via phone. Not to mention, this is the company my mortgage was sold to.