23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Cease and Desist Request for Deletion of Collection Account Dear Caine & Weiner, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose. 2. A detailed account statement showing the amount of the debt, including any fees or interest. 3. Date of Last Activity. 4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 5. Documentation confirming that you have the legal right to collect this debt. 6. Any correspondence related to this account that includes my signature or consent. I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name. 2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly.
Product: Debt collection

Settled a   XXXX   XXXX   XXXX   account with  Diversified Consultants. Th ey agreed if I paired settlement offer this would no longer appear on my credit report. This debt was settled on   XXXX   XXXX   XXXX     and it 's still showing on my credit reports as a collection account. This is the only collection account that I have. I have a copy of the letter showing that the debt was settled. I wish that this debt will be removed from my report.
Product: Credit card or prepaid card

My original credit limit was {$10000.00}. I paid my balance down below 30 % and Citibank decreased my credit limit to {$3400.00} and while I have a balance of {$3200.00}. I explained to Citibank representative and supervisor that I used the credit card to take care of myself and my family that were affected by COVID-19. This was very inconsiderate for Citibank to decrease my credit limit and making my credit usage 95 % instead of being under 30 % as I planned. This pandemic has brought my financial hardships and stress but I have always paid my account on time. This is horrible customer service and this will place a hardship on my credit score. Will someone please address this issue? I need to keep my great credit score for future endeavors.
Product: Credit reporting or other personal consumer reports

As of XXXX XXXX XXXX my student loans, around {$69000.00}, were transferred from Mohela to XXXX but my credit report has not been updated to show that I no longer owe Mohela. The student loans are being reported twice on my credit report showing open student loan balances with both XXXX and Mohela, which is negatively impacting my debt-to-income ratio, three credit scores, and my overall report. I have reached out to Mohela twice to get this matter resolved and I also sent them physical copies of all three of my credit reports to show the inaccurate balance that is showing up. I also called them via phone in XXXXXXXX XXXX XXXX and filed a complaint with them to get this matter cleared up. However, the accounts have not been updated to show a {$0.00} balance and closed account on the Mohela student loans. In fact, those loans are still showing up as open with the original balances.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a vehicle through a consumer credit transaction from XXXX XXXX XXXX, XXXX ( Byrider ), After researching consumer and state law I reached out to XXXX XXXX who is the finance manager at Byrider to raise concerns about the finance charge and APR. I mentioned to XXXX XXXX that the finance charge was not adequately disclosed because it did not reflect the sum of all charges pursuant to 15 USC 1605a. I also mention that the APR percentage was not computed in accordance with the law. 

When I initially raised these concerns to XXXX XXXX and staff they completely disregarded me and I was told I was wrong. Still, no one would inform me of nor help me understand any provision within my retail installment contract. I was treated with no respect and staff even disconnected the call. Due to the circumstance, I faxed Byrider a notice of dispute on XX/XX/XXXX. 

I had possession of my vehicle up until today. Earlier today I emailed XXXX XXXX expressing that I wanted to renegotiate the terms or for them to follow the law and disclose the finance charge. XXXX XXXX response was that I was in default on the account for payment due 4 days ago on XX/XX/XXXX. After stating I was in default XXXX XXXX stopped responding to my emails and a couple of hours later, I witness Byrider repossessing my vehicle. I gave Byrider every dollar I had for the downpayment and now theyre treating me unfairly and disregarding me. Byriders repossession of my vehicle is fraudulent and unauthorized due to their disregard of my dispute and violation of Truth in Lending. 

Byrider took my vehicle today and this is emotionally overwhelming because I spent every dollar I had on the downpayment and recently got the brakes replaced and now I have no car it will be a struggle getting my daughter to and from school.
Product: Credit card or prepaid card

I had a promotional Cash Back of {$200.00} mailed to me that stated when I spend {$500.00} within 90 days of opening my account I would earn {$200.00}. I had until XX/XX/21 to activate the offer. I called and was approved on XX/XX/XXXX. The bank is now telling me I am only eligible for {$150.00}. I do not feel this is an acceptable business practice. My credit score is over 800. Had I known this bank was going to be deceptive I would have went with a different bank that offered the same cash back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never given my consent for any company to report late payments on my credit profiles. This is also a breach of my right to privacy.

Please see 15 U.S. Code 1666b Here are all of the late payments that have been published to my credit reports : Payment history guide 30 days past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account list below has violated my federally protected consumer rights of privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX : Account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy. 

15 U.S.C 1681 Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C 1681s-2 ( A ) ( 1 ) states 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: Debt collection

Portfolio Recovery Associates - On XX/XX/2020, I sent a Cease and Desist letter requesting they cease all communication with me. I sent it via USPS Certified Mail ( XXXX ). Today, XX/XX/2020, they called my home phone ( XXXX ) XXXX at XXXX XXXX from a phone number listed under caller ID as Portfolio Recovery ( XXXX ) XXXX. I answered the phone, confirmed they were indeed calling for me, then informed them of the cease and desist letter. She said, " Yes I see we have that on file, '' then proceeded to ask me how I would make payment arrangements for the alleged debt.
Product: Vehicle loan or lease

I've spent so much cash getting my car repaired for the past two months just to find out its a recall on my engine. I ended up losing my job due to this! They are still asking if I can make payments! How? I can't even afford a rental because I don't have the {$200.00} deposit! If it didn't require that, I would have been able to afford it! I got kids! This is non sense. My car suppose to be fix by next wednesday. XXXX CONFIRMED IT WAS MY ENGINEEEEE! NOT MY FAULT!! but i'm so far behind on my car payment its ridiculous! It's not even my fault! All the money I spent on my car could have been used towards my car payment now i'm without a job. I certainly don't deserve a repo! The lady who sold me the car told me this was a great car, practically new. I get it! I had it for a year and the engine gone. The company should have known about the recalls because it was back in 2017. They should have had XXXX inspect before selling!! I was on the highway when it happened. I could have lost control of my vehicle. There's already been a lawsuit in the past. I hate to even take it that far but they need to know what they are selling! My family is affected! I'm the sole provider of XXXX toddlers! A XXXX year old and a XXXX year old who go to daycare! I lost everything!!! Then yesterday, XX/XX/XXXX A man came by and picked up my car. He stated it was because my engine recall & Byrider needed to look at it. He said I will get my car back in 2 to 3 hours. On top of that, I got dinged on my credit report for being 30 days late but I honestly had a valid reason because XXXX couldnt look at my car any sooner and due to covid I couldnt get a loaner car. I would like that deleted of my credit report. I spent money on repairs before I knew it was the engine and XXXX wasnt trying to reimburse my money. That was the money for my car payment. I ended up losing my job due to the slow process of getting my car fix. I cant afford to have a repo on my credit. I could understand if I wasnt making my car payments because I didnt want to but I had a reason. I also kept in contact with cnac manger about whats going on. Thats my only transportation, Im the sole provider for my XXXX year old & XXXX year old. Without transportation, I cant find a job and I stay in a XXXX county town so theres no free transportation. I just got my car back, even when I find a job, it takes 2 weeks to get paid. I been putting in application while I wait for unemployment but now if I get an interview, I dont have a way. This is crazy! it's not like I didnt want to make my payments on purpose. I couldn't. I lost my job, how could I afford a rental?
Product: Mortgage

Select Porfolio Servicing response to case number XXXX. 
Please note that Select Portfolio deliberately refused to contact us on our cell phone number which were the numbers given to them as our best contact phone numbers. SPS chosed to call the home number as indicated at XXXX XXXX on XXXX/XXXX/XXXX. Neither me nor my wife was at home. Again this is the cell numbers wife XXXX ( XXXX ) XXXX ( XXXX ) Moreover my caller ID indicates that attempts was one time only on the house phone number. Secondly, Select Portfolio Servicing deliberately refused to address the issue of why the modification has a balloon payment of {$550000.00} plus accrued interest on top of this balloon payment. SPS refused to explain why we have to pay interest ( accrued ) interest for 19 years on this balloon amount of {$550000.00}. This is nothing but corporate greed from this Investor which is XXXX with XXXX XXXX as trustee. Please note as you are aware that XXXX had violated banking laws and had to pay fines brought forth by the justice department last year. We are being punished because of their actions and they are repeating the same problems for what they were fined for. We have contacted our Senators in California to help us with this type of predatory modification. WHY such a huged balloon payment? Why again pay interest on the balloon payment? Why only 19 years left. Why count your 30 years from the original note year of XXXX. Why refuse to have XXXX XXXX XXXX complete the loan modification by transferring to another servicer just because it is within the rights of this Investor. XXXX XXXX XXXX stated this Investor forced the transfer. All this is an attempt to purnish and hurt us because of the many complaints we filed with CFPB. We would not have been approved for a modification by this Investor if we did not exercise our rights under the California Homeowners Bill of rights. Our loan was a XXXX loan with which we were victimized including when XXXX XXXX XXXX took it over. We need your help as the agency that deals with these complaints. Again SPS is inaccurately stating that they could not get in touch with us. XXXX XXXX XXXX did exactly the same until when I told them that I dont have a home phone number. Are these SERVICERS trained to call people at home when these days almost everybody uses a cell number as their primary method of contact. Again do not call any other number except on the cell phone numbers as indicated above. Are Investors only required to modify loans for 19 years only? Is it wrong to request that the terms be made longer. It is public record that this investor has granted modifications for up to 30 years and longer. We are being singled out and being refused the same benefits as others even those with less income as us.Thank you for investigating further. I know we dont qualify for a principal reduction, but the principal has always increased from late fees charges modification fees over the years Origal amount was {$750000.00} and it is now {$810000.00}. Over {$67000.00} of late fees, charges and modification fees charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX to review the attached dispute form and investigate my dispute. The following accounts are paid in full : XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX The following accounts and credit card was reported lost/stolen : XXXX XXXX XXXX and XXXX XXXX Bank XXXX The following debt collection account is fraudulent and not my debt collection account : XXXX XXXX  XXXX XXXX {$360.00}. The following public record is not my public record : U.S. Bankruptcy Court of Minnesota, reference number : XXXX, XXXX XXXX Bankruptcy Discharged. The following credit inquiries are fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XX/XX/XXXX.
Product: Checking or savings account

XX/XX/2020 I deposited {$20000.00} with Capital One 360 with the promise of {$500.00} bonus and 1.36 % interest rate if the XXXX was left deposited for 3 months. The interest rate payment dropped the first month and 3 months later I received {$200.00} instead of the {$500.00}. I called for clarification and was told that I needed to deposit and maintain a {$50000.00} deposit for the {$500.00}. That was not what was advertised. No where was {$50000.00} mentioned, seems like a " bait and switch. '' Regards, XXXX
Product: Debt collection

For this entire month so far, Financial Accounts Service Team of XXXX XXXX XXXX In XXXX, TN, XXXX, has been calling me. I searched the number and company, and found that there have been 10 complaints filed against them with the XXXX XXXX XXXX, 7 of which have been in the last 12 months. I am not sure at this point if they re actually am legitimate business or a scam. So I proceeded with caution when I returned the first call. The person who answered asked if I was the person they were trying to reach. I refused to say yes or no because I thought they might be trying to get me to do so in order to record it and use it, and I told her so. So we got no farther. I told her to stop calling the number or I would report them to the Federal Trade Commission, which I have done. Her response? " That doesn't work on debt collectors, ma'am. '' I have continued to receive calls from them despite telling them not to call me anymore. They continue to use the telephone service to harass me. The most recent call was on XX/XX/18 from XXXX, who gave her extension as XXXX.
Product: Credit card

I would like to say to anyone that looks to open a Home Depot credit line account please understand that they do not protect you in the case of stolen and fraudulent activity. Instead they try everything that they can to accuse you of fraudulent activity. Fraudulent activity occurred on my credit card XXXX. I reported the card as stolen. The case was initially denied. I was told it was because I was unable to be reached and that a LOLLIPOP WAS PURCHASED ( FRAUDULENT ) that matched a LOLLIPOP THAT WAS PURCHASED 3 years prior. Basically the conclusion that I made those purchases was based on a lollipop! I called several times and faxed over proof to them that I was not in town several times but each time they stated they did not receive the faxes and emails. Yet I have confirmation that the faxes and emails were received. Finally after filing a complaint with XXXX ( after almost a year of them denying they received my proof ), XXXX reached out to me to ask me to resubmit my proof. I sent over police report & information stating I was on a XXXX travel assignment out of town during that time. She then emails me back and says that she needs a specific timeline of the dates that I was out of town on. I submitted that XX/XX/year> along with license showing that the signature on the receipt did not come remotely close to matching my signature. EVEN AFTER THAT I RECEIVED AN EMAIL TODAY SAYING THAT THEY DENIED REOPENING MY CASE. EVERYONE PLEASE LEARN A VALUABLE LESSON FROM ME DO NOT AND I MEAN DO NOT OPEN A LINE OF CREDIT WITH HOME DEPOT. THEY WILL NOT SUPPORT YOU IN A CRISIS SITUATION AND INTURN ATTEMPT TO ACCUSE YOU OF COMMITING FRAUD INSTEAD. I WILL NEVER SHOP WITH THEM AGAIN.. side note a month ago I was in a Home Depot XXXX my XXXX XXXX daughter fell and hit her head on their concrete floor while in the paint section. NO ONE and I mean NO ONE bothered to come and check on us. Not even the paint sales associate standing XXXX away. STEER CLEAR OF HOME DEPOT XXXX XXXX XXXX!
Product: Checking or savings account

Step 1 : What is this complaint about?

This complaint is about Bank of America 's practices regarding notifying their clients about transaction in real time and their arbitrary ways of assessing fees.

Step 2 : What type of problem are you having?

I having issues with overdraft fees and transactions not appearing on my account until the day after they went through.

Step 3 : What happened? 

I issued a check, which was cashed by the recipient - however, it never showed on my account until the next day. I went to the bank the day before to confirm that the check was cashed, the cashier or the manager could not see the transaction. I was unable to see it on my app/online banking. I monitored my account for over 24hrs and did not deposit any additional funds because I wanted to get an explanation as to what happened to the check. after 72hrs I did not see the transaction, I went to the bank again and nobody was able to see the transaction. I continued monitor the account- the next day, I was notified by my BOA app that my account was negative because of the check. I called the bank for an explanation as to why a transaction that took place 4 days ago is now showing on my account as if it took place the day before. And if it took place the day before why was not notified? I was told - " we dont know how the back office stuff works, but you are still responsible for the overdraft fee ''. That one charge snowballed into over {$500.00} in fees. I exhausted all of my options at this point to fight these fees. 
Step 4 : What company is this complaint about?

Bank of America.

Step 5 : Who are the people involved?

Myself : XXXX XXXX XXXX
Product: Student loan

I called MOHELA, my loan servicer, on XX/XX/year> about being placed in processing forbearance during my wait to be moved to the PAYE plan. When I got through to the representative, they told me that I couldn't be placed into processing forbearance unless I had applied for a Standard Repayment and then applied for an IDR plan. 

I know that this is untrue and that they can move me into processing forbearance. Please help me reach out to MOHELA to get moved into processing forbearance.
Product: Credit card or prepaid card

I made a payment late. When I received my next bill it was paid in full but I had a late charge and interest. I asked them to waive the late fee. They did not and when I received my next bill it had more interest and another late fee. I called and they said they are allowed to continue charging me late fees and interest on late fees even though I paid my balance in full. I disagreed and they said I signed a contract that gave them permission to do that. I asked them to send me a copy. I have not received it.
Product: Consumer Loan

I took out a personal loan with Wells Fargo Bank using a cash savings acct. as collateral. I have had nothing but problems with WF in several of my XXXX accounts with them to the point of ready to close all of them. I went to pay off the personal loan today and encountered MULTIPLE problems from the teller all the way to their corporate HQ. From the SENIOR teller not being able to give me a payoff amount but taking what showed as balance to directing me to call a call center then refering me to a personal banker who could not help either which had to call a loan officer to figure out how to get a payoff so I had to pay a XXXX check after being told I paid off the loan snd then when I inquired as to when my savings acct which was the collateral was going to be released so I could remove my $ XXXX from it, I was told it would not be available for 10 business days. The loan was paid off in cash and when I made individual payments that amount was not released but rather they continue to hold the entire amount of the initial loan amount even though the loan was paid down XXXX. There is no reason a bank as big as WF should be allowed to keep me from my money for an additional 10 days AFTER I pay the loan off in cash. They have no more worry or chance of loss with the loan paid but yet they claim it takes 10 days to release the money even with the loan paid. I can understand if the loan was backed with a car or house or something with a title to release etc but this was cash. They pay only .01 % interest so it keeps me from immediately moving my money so they can continue to use it practically free of charge when they now have no legal claim over it. This should be against the law when cash is repaid in cash and not requiring a title be returned or any other paperwork. WF is quick to charge and collect fees from customers for their benefit but when a consumer has paid what is owed to them, they should not be allowed to continue to hold the consumer 's money for ten days which I was told was business days so why do they need to keep cash collateral for basically two calendar weeks?