23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My complaint is regarding Merchants Credit Guide Collection Company listed on my credit report also under XXXX XXXX XXXX for {$280.00} and {$750.00} I have sent several letters disputing this debt and It was removed however it keeps popping up and the documentation they allegedly sent to the Credit Bureaus is a direct violation of my HIPPA rights. I would like for this debt and any additional debts from this company removed from my credit report immediately. It was removed and added back to my credit report and I was not notified with any documentation from the Bureaus or Creditors.
Product: Credit card or prepaid card

My XXXX XXXX statement shows 3 lines : 1 ) **APR for current and future transactions ''. This suggests that the balance is subject to a 0.00 % APR for this statement and future transactions 2 ) Balance Subject to interest Rate suggests that {$10000.00} is subject to a 0.00 % interest rate 3 ) Expires with Statement XXXX suggests that this is the last statement that will be subject to the 0.00 % APR. It also suggests that the next statement will show an increased APR, with a balance subject to that rate. 

I was charged {$160.00} on my XXXX statement. I believe the XXXX statement is clear and unambiguous ; I am to be charged a 0.00 % interest rate on the entire balance for the month. 

I believe XXXX XXXX XXXX uses this statement to be intentionally misleading. 

I called XXXX XXXX XXXX, and the woman I spoke with was combative and disparaging. She said that the information is clear and unambiguous, that the interest rate expired on XXXX. She stated that if I need help reading my statement, I should have sought help to interpret the financial statement. I work in the financial industry as an analyst, I am pretty familiar with reading financial statements. I agree that the statement was clear and unambiguous, I was supposed to be charged a 0.00 % APR on the balance. 

Not only was the customer service demeaning and rude ; they tried to argue with me, as if to say that this occurs quite frequently with other customers. I believe this is because the statement is intentionally misleading ; they are asked by management to argue with customers, make it seem like it is the customer 's mistake, and denigrate the customer 's financial knowledge. 

What an awful experience with XXXX XXXX XXXX, it is an equal disappointment that XXXX XXXX is associated with them.
Product: Mortgage

I am trying to pay the two payments owed on my loan. 

Their website will not allow me to make a payment. It says I have a payment scheduled which I do not. 

This is illegal as I am not in foreclosure, am less than 60 days past due, and am trying to cure my default. Youre violating RESPA and NY419 by not allowing me to make a payment. This is how people end up in foreclosure We fell behind due to issues with our checking account that have been resolved and a new account has been opened. I take care of my mother ( who as XXXX ) and I didnt realize there was an issue until now. 

Please help me make the two payments so I can move on from this nightmare.
Product: Credit card or prepaid card

XXXX/Bestbuy offered a 0 % promotional offer for 36 months. I bought products for XXXX {$21000.00} on XX/XX/2014 from XXXX. I set up autopay that would payoff on-time. There is a {$150.00} left because the promotional offer is expired and part of the auto-payment went to a different promotional balance of {$700.00} instead of the main balance. They never provided be access to the other {$700.00} account. Even my online access was revoked as bank/card got rebranded. So, I disputed the charges and interest on my account, I canceled my autopay and closed my account. I requested for statements and they mailed me for few months of statements which didnt explain to me how/when the new account got added and how payments are split between these two accounts. I made numerous calls to understand why there is this huge interest charge. I reached Citibank atleast 50 times but bank not even once tried to reach me before charging {$15000.00} interest. Till today I havent received full statements and terms of the offer. Citibank updated all 3 credit bureaus with the 90-day delinquency which dropped my score by 130+ points. I am disputing the interest and charges on the account. That's the reason why I stopped minimum payments. But still, Citibank sent the update as delinquent to the bureaus. I have exceptional credit history without even one late payment or negative remark. I have 2 other Citibank credit cards which have revolving credit. Citibank ruined my credit history.
Product: Checking or savings account

I opened a claim with Wells Fargo Bank, they keep giving me misleading inaccurate information. I called about 15 times in regards to my claim. And been told something different, from every claims rep. 1st time they closed my claim and told and i told them i had my receipt with supporting info. Then a supervisor reopened the claim and told me to email the supporting document. I email the document and then told i should have sent it pdf, after 11 days. As of today I resent the document as a pdf. They have been less than forthcoming and appears to be not helpful in my dispute. I requesting to speak to a member of management, as of yet haven't heard back. 

Claim # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment was made on time, as evidenced by the attached bank statement showing the transaction on or before the due date.

Natural Disaster Accommodations : This account was affected by a natural disaster, which should have precluded any late payments from being reported during the affected time frame.

Clerical Error : There was an administrative error on the creditors part, not reflective of my actual payment behavior. My consistent payment history supports this claim.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Calls came in to my phone atleast 5 times a day starting as soon as they open..Some were live agents and some recordings
Product: Debt collection

XXXX {$490.00} emailing me from different debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

FORTIVA is reporting my account # XXXX as a CREDIT CARD on my credit files. This account should be reporting as a LOAN. I just at the beginning of this 0 % 60 month term loan, therefore the balance is still high, due to it's my first year paying on it. This is causing my credit score to drop horribly because by Fortiva reporting it as a credit card instead of a loan, it's showing that I have a high utilization rate. 
Please update this account from reporting as a credit card to reporting as a installment loan. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised inwhich resulted in fraudulent accounts being opened in my name. Im requesting that the following account, XXXX  {$10000.00} be removed from my report. I have challenged this before but never thru these channels, hoping this time it be removed, or supported by physical documentation to valid the claim. If not then this account shall be removed immediately.
Product: Money transfer, virtual currency, or money service

I attempted to pay for goods at XXXX with a personal check due to their credit card terminals malfunctioning, When the check ( {$68.00} ) was ran through it was declined with a note that provided no specifics, but gave me a number to Certegy, I called and requested a copy of my profile. The profile also did not indicate any outstanding judgements against me, only mentioned my check writing profile, possible check number, or that it exceeded the store parameters. What the XXXX does that mean. This incident was not only embarrassing, but as a consumer I have a right to know exactly what about my information would seem risky enough to decline a check. I also would like to know how the FTC allows them to be in business and " collect '' consumer information to make a judgement against them, however the consumer can not get any clear answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, transunion and XXXX to have items that has been paid off that was In collection to be removed out of collections. However they just updated the balance to just XXXX balance and the accounts are still in collection instead of being deleted. Also they have information that is reporting 30 days late that is not 30 days late like my XXXX   account. XXXX put in a request to change the error on their behalf, but its yet to be changed on the reporting side. I also have a probleming with the scoring of my accounts. My scores will drop 30 to 50 points, I will pay the accounts out and they will only give me 10 points back. This is not right from what I have been read on fair debt information. Out of all the stuff I have taken care of, I should have had over 200 points back on my score, but it is not where it should be. My DTI is low and I should have been receiving more points than they have given me.
Product: Student loan

I was under the impression that XXXX XXXX, XXXX was a Student Loan Forgiveness program. Since my enrollment last year, XX/XX/XXXX, the company has changed from XXXX XXXX to Equitable Acceptance Corporation to now XXXX XXXX! I received details on the change in a timely manner, however, when trying to get in contact with XXXX XXXX for at least a month, they informed me that Equitable Acceptance is NOT a Student Loan Forgiveness program! This is an issue as I have been making automatic monthly payments of {$49.00} since XX/XX/XXXX. This company did contact me during this time claiming they will assist with my student loan. When I called the company back in XX/XX/XXXX, as my re-certification for the income driven plan was due, the agent connected with the FAFSA, with me still on the line and proceeded to tell the FAFSA agent to place my account on forbearance. When they finished, I questioned why would there be any reason for putting my account under forbearance as I was paying a monthly fees. I was told that this will help reduce my current loan amount when my consolidation is over. I now owe Equitable Acceptance {$980.00} in order to cancel my account with them and to make ACTUAL payments towards my loan. I never wanted forbearance! The XXXX XXXX agent had me on the phone for nearly 1 hour, taking down all of my details AGAIN. All I want is to cancel this account and the XXXX XXXX agent said I had to continue my payments with Equitable Acceptance. I am very confused because supposedly Equitable Acceptance is no longer my representative as they connected me with XXXX XXXX. One of these companies is taking my payments, however, my student loans remain the same. I am afraid that these companies continue use the forbearance. Currently, I put a stop to the automatic payments for Equitable Acceptance and I am running the chance of the payments going to collection. I really need assistance to resolve this matter, even if it is at the very least the best advice you can give will be greatly appreciated.
Product: Credit reporting

To Whom it May Concern I am Having a Rhetorical Issue with this Unknown non name Brand Credit Reporting Agency Innovis. I Requested my Credit Report from Innoivis I received it, i Saw things on it that dont wasnt right i then disputed the items online along with a dispute letter Requesting information, The method they use to verify claims on my credit report along with names and numbers of the people they spoke to determine these claims, and i also requested the documents in my file the are using to determine that i own these claims. so i did n't receive any information but i did receive a completed dispute investagtion stating that they were unable to resolve because they dont have Physical proof of these claims they only use a automated verification system to verify claims but Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Act that you are required by the federal law to verify through physical verification of the original consumer contract. you read the Letter attached that the mail to me for more understanding them admitting to violating my federal rights
Product: Vehicle loan or lease

On Monday, XX/XX/2021, I overnighted a payoff check to Chrysler Capital for my auto loan account. I received confirmation of signature and delivery that it was delivered on Tuesday, XX/XX/2021 at XXXX XXXX. It's now Monday, XX/XX/2021 and as of today the check has not been cashed and my account is still open. I submitted 3 requests via Chrysler Capital 's inbox feature and they continue to close my cases without doing anything. I called about this five times and was told each time the accounting department would look into this. I still haven't heard back. I called again on XX/XX/2021 and employee number XXXX told me I needed to fax a copy of the front and back of the cashed check. When I told her they had the check and it hasn't been cashed, she continued to repeat herself and then hung up on me. Now they have drafted my account again for another payment, interest continues to accrue and I don't seem to be able to close this account.
Product: Credit reporting or other personal consumer reports

Pending legal action against XXXX for failing to properly investigate identity theft matter and slandering my credit report and student aid records. I will be taking action for damages very soon if this is not resolved. Ive submitted multiple documents to the loan company and no response. Or my complaints get deleted and ignored.

POLICE REPORT ATTACHED. Im submitting official government documents to support my identity theft claim with XXXX. This company keeps adding loans on my consumer report and is supposed to block the information from the three bureaus while its being investigated. These accounts were not opened by XXXX XXXX. I do not have a contract with this company nor have I ever attended century college. There is no contract matching my Id and signature. Im demanding a written copy of my wet ink signature for forensic investigation to support my claim. I will pursue {$1000.00} for each inaccurate violation and failure to give me a fair investigation. I have sever damages and can not attend college or get a home. These damages are in excess of {$100000.00} which I intend to sue for if this is not taken serious. Investigate delete from my student aid account immediately while you process the identity theft and police report. My signature is provided on the documents attached
Product: Mortgage

Dear CFPB, I am writing to formally complain about my experience with MR Cooper/Nationstar Mortgage concerning my loan modification process. My situation involves significant difficulties that have impacted my ability to manage my loan effectively. 

In XX/XX/year>, I was informed by representatives that a Notice of Default ( NOD ) had already been filed against my account. Based on this misleading information, I believed my options for negotiating a payment arrangement were limited. I only received the NOD in XX/XX/year>, indicating that I was still within the timeframe to work out a payment arrangement. 

Under California state law, specifically California Civil Code 2923.4, there are protections in place for homeowners, particularly elderly individuals, against misleading information from lenders. Misleading an elderly homeowner regarding their loan status can constitute a violation of this law, which aims to prevent unfair and deceptive practices in mortgage transactions.

The misinformation I received not only created confusion but also led to unnecessary distress and financial uncertainty. Had I been accurately informed about my loan status, I would have pursued a resolution much earlier.

Since the NOD was filed, I have experienced an influx of solicitors and other visitors to my home, which has created an uncomfortable and intrusive environment. This situation has added to my distress, as I am being approached by various individuals related to the loan process. Under California Civil Code 2923.4, there are protections for homeowners, particularly elderly individuals, against misleading information from lenders. Misleading an elderly homeowner regarding their loan status can constitute a violation of this law, which aims to prevent unfair and deceptive practices in mortgage transactions. 

Also. For over a month now, I have been unable to upload my loan modification documents due to a persistent error code ( 500 ) on their online portal. Despite multiple attempts and reaching out to customer support, the problem remains unresolved. This technical issue has severely hindered my ability to submit necessary documentation on time and has caused considerable anxiety regarding my loan status.

I am seeking your assistance in addressing these issues with MR Cooper Specifically, I would like the CFPB to investigate the ongoing technical problems with their loan modification portal and the misleading information provided by their agents. It is crucial that lenders provide accurate and timely information to their customers, especially in matters as serious as loan modifications and defaults.

I appreciate your attention to this matter and look forward to your prompt response. Thank you for your help in ensuring that consumer rights are upheld.
Product: Debt collection

They keep calling me from XXXX and they say it is about a personal matter. I ask them what it is in reference to and they say after they verify that this is the correct person they will tell me what it is about. They are a debt collector but do not identify themselves as such. According to federal law if they are a debt collector they must identify themselves as such. Please see attached documents to show that this number is flagged as spam and telemarketer and debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education Aidvantage has two account one for XXXX and XXXX, both accounts are older than ten year. My request to the bureaus is to purge these erroneous creditors from my credit report. XXXX and XXXX, XXXX has just the XXXX. Attached please find three credit reports from XXXX, XXXX, and XXXX.
Product: Payday loan

Received a loan on XXXX/XXXX/15 from XXXX XXXX XXXX XXXX XXXX XXXX of {$150.00}. They want a total of {$850.00}. XXXX repayment. That is 780 % interest. I am unable to make the payments due to XXXX other advances I have. 

Recieved a loan on XXXX/XXXX/15 From XXXX XXXX XXXX XXXX XXXX of {$350.00}. I have paid them {$970.00} so far and owe a balance of {$420.00}. 

Received a loan from 500 Fast Cash XXXX XXXX XXXX of {$500.00}. I have paid them {$550.00} so far and owe a balance of {$250.00}. That 's 377.59 % interest. 

I was desperate at the time. I had now other way to pay rent. I am on XXXX and can not afford to pay them what they are asking. I tried to work out a different payment plan with them and they refuse to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX XXXX  Account Number : 1948 Please remove it from my credit report. 
3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started monitor my credit using XXXX XXXX.This is when I noticed multiple credit inquiries that I didn't apply for. I have disputed them with XXXX and the companies several times. And they both refuse to remove them from my credit reports. And wouldn't send me proof that verify I did the inquiries. I didn't do theses inquiries. The inquiries are from the following companies : XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX