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

Im put on a payment plan to pay back my loan but it is already showing closed and charged off but as of XX/XX/ it has yet to be repossessed and i still have possession of my vehicle. It should be reported on my credit as a payment plan or something along the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, VA XXXX CAPITAL ONE BANK XXXX XXXX. 


To Whom It May Concern : This letter is in response to your phone call on dated XX/XX/2018, concerning the above-referenced account number. 

I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. 
Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. I demand you " Remove this from my credit report within 30 days or I shall seek justice in the court room, Or contact XXXX, XXXX  and XXXX that this account falls under California statatue of limitations, This debt has expired and you are being asked to remove this from my credit report. 

XXXX Pacific standard time XX/XX/2018 - Letter sent Sincerely, XXXX XXXX
Product: Debt collection

My credit report has some collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is the originator and the debt collector is CBC collection agency. I spoke to the originator XXXX XXXX XXXX XXXX in TN they realized they had the wrong patient information. I live in CA and this hospital in TN, I have never had any contact with that place. They advised me the patient has the same name as me but no social and they agreed it is not mine. There are 3 reporting things from this place. I first called them XX/XX/2019 spoke to XXXX in TN then to XXXX. They said they would remove this and sent me an email but nothing has happened yet. The collection agency has not remove this. This debt is not mine ive never been to that hospital or had services. 
CBC, LLC {$16000.00} CBC, LLC {$630.00} CBC, LLC {$1200.00}
Product: Checking or savings account

I deposited a {$34000.00} check via a Chase ATM on XX/XX/2022. I was informed by Chase that funds wouldnt be made available by XX/XX/2022. 

The check I deposited was issued by XXXX XXXX and drawn on their Chase Bank. 

When I inquired with Chase as to why a 10 day hold was placed on my check deposit, they said it was their automation holding up the release of funds because its a large check, and the type of account you have I told Chase that these were loss draft proceeds for damage to repair my home and needed funds released to pay contractors. 

I believe that Chase holding funds for 10 days on a check deposited drawn on their own bank, is an unfair and deceptive act or practice.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable information unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit report standing. I am requesting immediate corrective action to remove or amend the disputed information, as XXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Mortgage

We have our mortgage through Penny Mac USA. Our property taxes have still not been paid from the escrow account that should have been paid in XXXX of XXXX. I received a property tax statement in XXXX of XXXX, and then again received another tax statement in XXXX of XXXX. The receipt of the 2nd statement prompted me to call the mortgage company because it appeared the property taxes had not been paid. I was told then that it appeared they had not paid our property taxes are required in XXXX. I asked why this occurred and was told they did not know and could not figure out why. I was told then ( two weeks ago ) that it would be paid. I logged into our mortgage account on XX/XX/XXXX and it appeared that no funds had been dispersed from the escrow account. I spent over an hour on the phone today ( XXXX ) to find out that the property taxes are still unpaid. Now there is a tax penalty of {$410.00} that must be paid. Penny Mac stated that I should not worry because they will pay any late fees, but I do not trust at this point that they will not take that late fee out of my escrow account. In the meantime they have continued to accrue interest from my escrow funds and make money from my wrongfully withheld tax payment. I was told on the phone today that they could not tell me when the taxes would be paid. They also stated that they needed additional information because the taxes had not been verified! Then how have I received two tax statements? They would not admit it, but I believe they did not properly keep their own records as I was asked to upload my property tax statement to their website. I need help getting this resolved and I hope there is a mechanism in place to fine this company for their improper actions and their breach of fiduciary duty to properly manage our escrow account.
Product: Debt collection

please verify that the information reported is 100 % accurate and that you can fully verify the information. Otherwise please change information to a POSITIVE STANDING PAYOFF or remove from report.

Listed on my credit report as PAID/CLOSED/WRITTEN OFF with a {$15000.00} balance- INACCURATE Listed as Charged Off for several months, XXXX XXXX XXXX INACCURATE Positively Paid Off w an agreed upon amount provided by " debtor '' to MY GAP Insurance and Insurance company.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C 1681i all unverified accounts must be promptly deleted. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) .By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Please don't respond to my request by saying these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. The accounts are listed below XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : CAPITAL ONE Account # : XXXX I was never late 30, 60, 90 days in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, nor XX/XX/XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Product: Credit card

I contacted synchrony bank after they sent me a letter dated XX/XX/year> that my account was being closed as it was high risk. I never was late nor did I ever miss a payment. 

Previous to this they lowered my credit limit 3 months after I got the account. 

They also were accessing my credit report and score every month without my permission or acceptance. They have drastically lowered my credit score by doing this
Product: Mortgage

I WANT TO COMPLAINT FOR THE CHANGE OF PRICE APPRAISALS AFTER PAYING THE CHARGE ONLINE Hello XXXX XXXX XXXX, Good News! An appraisal has been requested for your mortgage. Please make a payment below so as not to delay the property inspection. 

Property Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Amount Due : {$170.00} MAKE A PAYMENT Once payment has been received, a time will be scheduled for the appraiser to inspect the property located at XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 
If you have questions about the appraisal service ordered for this request, please contact your loan officer. If you have technical problems making a payment, please visit the FAQ page hosted by XXXX | XXXX, our payment partner. You may also contact them at XXXX or XXXX. 
If the payment button above does not work, please click or copy and paste this link into your web browser XXXX XXXX XXXX XXXX Note : For security reasons, this link will remain active for three ( 3 ) days or three ( 3 ) access attempts. If you have not paid after three days, then clicking on the link will generate a new payment request email. 

A New Message has arrived for the following order. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Loan Number : XXXX Loan Purpose : Refinance - Cash Out Service Type : XXXX Update Doc ID : XXXX Appraisal Coordinator : XXXX XXXX XXXX Coordinator Email : XXXX Service Provider Due Date : XX/XX/2022 XXXX PT Subject : Critical Message : Critical message from XXXX : Loan # XXXX Hello, The original appraiser has advised that their fee for an XXXX  XXXX is {$270.00} XXXX Please approve the additional {$100.00} fee to proceed. They would like to accept and have advised they can complete this report no later than XXXX pending access. Thank you PLEASE NOTE : This is an automatically generated email. Please do not reply.
Product: Vehicle loan or lease

Violations of My Consumer Rights!!! 

XXXX XXXX ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 18 USC 1344 This ENTITY is a Third Party which I didn't not sign a contract with. I owe this ENTITY nothing!!!!!!!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX **** Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Student loan

Navient automatically placed my loam into a disaster payment deferral in XXXX without my permission. I am in progress of trying to refinance my primary residence, and investment property. Although this did not impact my credit score, they placed a note on my XXXX credit report stating I am impacted by a natural disaster and that my loan payments are in deferment. I never advised I was impacted by a disaster, I never requested any assistance, but they made these adjustments without my permission. I am now dealing with questions as Im managing a refinance. I called and they apologized for placing this in a deferment status, and impact it had on refinancing. I said I want a better answer why they would do this without my permission and they could not answer this. This is highly irritating, an inconvenience and down right unacceptable they are able to make adjustments to my loan without my permission. The impact can not be undone for what Im dealing with and I cant understand how this is legal.
Product: Credit card or prepaid card

I made a charge of {$840.00} on XX/XX/XXXX on a promotional plan of deferred interest if paid in full in one year. 

In XXXX of XXXX I had a bill w/ a minimum payment of {$29.00} and a promotional balance ( on the charge noted above ) of {$280.00}. 

I made a payment of {$280.00} to pay off the promotional amount ( which {$280.00} is greater than {$29.00} ) which was cashed on XX/XX/XXXX. 

In my XXXX bill they charged me {$160.00} in finance charges related to the purchase on XX/XX/XXXX - they said that for me to have not been charged the finance charges I need to pay the promotional balance of {$280.00} + {$29.00} ( the minimum payment ). 

Nowhere on the bill did it state that I needed to pay this amount and it is ridiculous that they are charging me finance charges when I paid they amount that was due on promotion and that amount is greater than the {$29.00} due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Bankruptcy case number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX  account number XXXX XXXX account number XXXX XXXX  account number XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX all of these companies have violated my rights. 

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 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give.

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to to the XXXX  District Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXX. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING
Product: Mortgage

The loan servicer refuses to provide past escrow accounting starting from the origination date of my loan. They refuse to send me my money if there are overage disbursements. They have only sent me reports dating back to 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/2023 to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$320.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX : {$390.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.
Product: Debt collection

gym membership was paid current. gym closed down their business without any notice. never recieved a bill until two years later when i recieved a collection notice from a collection agency
Product: Mortgage

Spouse is using my personal information against my will to process loan modification. Notified the mortgage company I am not in agreenance with a loan modification and was told there is nothing they can do. This has been going on for over a year.
Product: Student loan

I signed up with XXXX University on line. Told my student advisor I was XXXX and suffered XXXX. Was not sure if i could handle the pace. XXXX XXXX, Advisor, told me verbatim, " No worries, if you find you ca n't handle the program you may quit any time and only owe for the time in the program ''. I was on line 3 weeks and emailed her it was too much. She replied, " Okay, i will put you in for a resubmit for next semester '' I told her, " NO! i do not want to continue '', she resigned me any way and now they have been trying to collect for 2 full semesters. I am on XXXX and barely paying my living expenses, I can not repay this loan, and I feel I owe then nothing, period!!
Product: Checking or savings account

I submitted a claim for unauthorized transactions on my account. On XX/XX/2022, PNC reversed the provisional credit without giving me notification and now my account is overdrawn. Those charges are fraud and I want the credits places on the account.
Product: Debt collection

XXXX claims that they paid for two services ( XX/XX/XXXX, {$230.00} & XX/XX/XXXX, {$91.00} ) in excess of the maximum allowed by my plan and they are attempting to get these amounts back from me. 

I have spoken to XXXX representative on several instances ( in excess of 10 calls ) explaining why I shouldnt have to pay these amounts. On each instance, I have been repeatedly assured that yes, I dont need to pay the amount and that this issue has been resolved. I was also provided with a confirmation number of the issue being resolved ( XXXX common purpose ). But for some reason, XXXX through Payment Resolution Services ( PRS ) has been trying to collect on these amounts. I have also been on the phone with PRS on more than 3 occasions explaining the situation. I was initially informed that they have reached out to XXXX about the collection and that I dont have to worry about the collection notice. During my last call they said, XXXX has not responded and that i needed to call XXXX and ask for something in writing on their letter head. The XXXX customer representatives on the phone, however, do not have the authority to provide this in writing and they cant seem to get me to someone with the authority. 

At this point, I am having to deal with these collection notices every two months and having to take time out to sit through lengthy phone calls explaining the same story over and over again but no one seems to be able to help. While the amounts themselves are not high, after all the time I have spent trying to resolve this issue, i think it is unfair to have to finally succumb and pay this amount that I do not owe. XXXX and PRS have their own systems that are not communicating with each other and I am caught in between. This is highly frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I check my credit score thru both Transunion and XXXX is shows a balance on my credit card that has yet to be billed. We use our card for a matter of records and never carry a balance on it after the billing period. How can current usage show negatively on y credit report when it has not been billed and the card has never had a balance carried forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported student loans that I held with them is delinquent during XXXX which is incorrect. I have contacted the company and they stated I need to dispute with the credit bureaus which I have done on 4 separate occasion. I have also submitted documentation of my account from the company 's website showing that the accounts have never been delinquent. As these are federal student loans had they been delinquent additional actions would have been taken by the company. The account shows the following : In XX/XX/XXXX paid as agreed, XX/XX/XXXX 90 days past dueXX/XX/XXXX 120 days past due, XX/XX/XXXX 150 days past due, XX/XX/XXXX 180 days past due,XX/XX/XXXX 180 days past due, XX/XX/XXXX 180 days past due, XX/XX/XXXX no data submitted, XX/XX/XXXX no data submitted, XX/XX/XXXX paid as agreed. This same reporting was done on all 7 of the accounts that I had open at that time with " Dept of Ed/XX/XX/XXXX'' Accounts beginning with XXXX. I do not have anywhere else to contact, the bureaus state I must work with the creditor and the creditor states I must work with bureaus. I have been attempting to correct this error for more than 3 years and am at a loss as to what to do next. This issue has cost me several thousands of dollars in increased interest associated with the impact this has had on my credit score.
Product: Mortgage

Hello, my mortgage payment consist of XXXX elements principal and interest taxes and insurance. 
My lender charges me nearly {$3000.00} per year and pays out to my insurance co. {$850.00} per year for the same coverage. They have no explanation for the overcharges. 15 month ago And after dozens of phone calls and emails with answers to a solution, I notified my lender and insurance co. Of the problems I am having with my lender and instructed them to return to the lender the {$850.00} on my behalf and accept the {$850.00} directly from me which saved me over 2 thousand dollars every year. I also notified my lender in righting that because of the overcharges I would like to pay my own escrow saving me thousands per year. So for the last year I have been paying my own taxes and insurance and sending my lending Green Tree principal and interest. Of course this upset my lender and they are now refusing my P+I payment and sent me a letter of there intent to foreclosure on me. I am a single parent and ca n't afford to be overcharge, my lender required me to make these overcharged payment for 3month while they investigate which I did only for them to tell me that they do n't understand why the overcharge still appear after the escrow analyst. I need help!