23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

To Whom it may concern my name is XXXX XXXX I got a loan from a Payday/Installment Business Place in XXXX GA. When I took the loan out 3 mos ago they told me that it was an Personal installment loan and i agreed i didnt have to put any of my stuff up the man behind the counter told me he already took care of that. I asked him and he showed me a paper of many items on a list I told him that I dont own any of that and he told me dont worry that he makes up paper work all the time so he told me my XXXX XXXX payment will be around {$70.00} dollars because I am on SSI check I get once a month. I get {$680.00} to live on a month for myself and my younger son. I went into pay my XXXX payment and since i was 1 day early I had to pay a fee of {$110.00} that upset me I asked the lady where that man was that took my loan app. And she said that he is not with the company anymore so they moved me from a installment loan to a XXXX payday loan how could they do that without telling me until the last minute this is very wrong I could not pay {$700.00} back to them so the lady told me that she will keep my payments low. On XXXX XXXX XXXX I called Insta Loan in XXXX Ga, and told them that I am sending a friend in to pay my payment of {$70.00} I told them I was sending a little extra of {$80.00} dollars The lady was very very rude to me she said that since I was paying early that I had to pay {$90.00} and if I didnt pay that it will cost me each day of being late {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones I asked XXXX XXXX the management why do they call me from their personal cellphone she said that is what they have to do. I called then yesterday XXXX XXXX XXXX and the lady at Insta Loan told me that if I did have {$200.00} she was so rude to My nervers are falling apart what can I do I am being charged double then I borrowed this is so wrong they are treating me like I am dirt. Today is XXXX XXXX XXXX I owe a payment of {$250.00} I could only pay {$100.00} dollars and I am afraid to go to the Insta Loan knowing that they will treat me very ugly.I offered to come into the Insta Loan office and they keep putting me off they refused to give me my original copy of my contract and I told them on XXXX XXXX XXXX that I was going to be in on Monday, XXXX XXXX to pay them {$80.00}. They keep putting me off I said to them if they did n't want me to come in on Monday that I will be there Tuesday XXXX XXXX. The Management XXXX XXXX told me not to come until Wednesday or Thursday.Today is Wednesday XXXX XXXX, XXXX, I called Insta Loan to find out what time would be best to come into Insta Loan on Thursday XXXX XXXX, They moved the date to today and then again my pay was supposed to be {$80.00} dollars now they raised it to {$85.00}. This is awful this company lies.. I had to sign some papers and they could change my original contract.My Nerves bad due to this company hassling me. Insta Loan ,XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Thank You.
Product: Debt collection

The Debt is with Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX Account # XXXX for {$220.00} Creditor is XXXX XXXX XXXX XXXX The creditor is XXXX XXXX, my son, who is an XXXX XXXX XXXX XXXX man stationed with the XXXX in XXXX on the XXXX. 

My name is XXXX XXXX and I spoke with them directly. I recognized that they could not speak to me directly about the specifics of his account. I gave the person who answered the phone the account information and let them know that XXXX was XXXX XXXX and currently XXXX overseas and asked what their company policies were for collections of XXXX XXXX, XXXX service members. The person on the phone said that he thought they were the same as any. I asked if he received any special accommodations under the Soldiers and Sailors Act or the Servicemembers Civil Relief Act. He said he did not think so. I said that I thought that the collection was supposed to be suspended till the service member got back. He said he didn't think so. 

At that point I asked for a supervisor. I got, I think his name was XXXX XXXX. I asked him for his company 's policies for XXXX XXXX XXXX service members and what process I needed to follow to show that he was XXXX. I asked if I could contact his command and get a copy of his XXXX orders. He said that he would provide no legal advice. I kept asking what their published policies were and he refused to provide them. His file has been fully noted that he is a XXXX service member. He said I would have to contact an attorney. 

I just want an opportunity for my son to be able to defend himself. He has no idea this is going on. By the time he gets back the and gets notification the debt will be {$500.00} with all the attorney fees and interest. Oh yeh he has paid these 2 toll charges but no way to prove it till he gets back.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act 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 or other personal consumer reports

Looking at my credit report seen a lot of inquires that i did not authorize from companies to run my credit.
Product: Checking or savings account

My mother recently voluntarily surrendered her drivers license and now needs to apply for a XXXX ID. 

I contacted the XXXX XXXX XXXX XXXX Citizens Bank regarding the hours when there is access to safe deposit boxes, to retrieve items needed for my mother to apply for her Real ID. My mother and I are both listed on the safe deposit box for access and signatures. 

I was told that the XXXX XXXX XXXX discontinued having safe deposit boxes in XXXX, and the contents of the box had been sent to Citizens in XXXX. My mother received no notification that this was the case. My mother had moved in XXXX ; however she also has an IRA with Citizens Brokerage. Her representative for this account is also based in the XXXX XXXX XXXX. My mother visits the branch typically once per year to make an IRA withdrawal. Citizens XXXX is very aware of her current address and contact info. My name and contact info was also listed on the safe deposit account. I have not moved and received no notification of the boxes being discontinued. 

When I met with a representative on XX/XX/XXXX at the Branch she mentioned that two previous customers has also received no notification of the safe deposit boxes closing. She said retrieving the contents would take approximately thirty business days. I requested that this be expedited since my mother has an appointment with the XXXX on XX/XX/XXXX to get her Real ID. The representative has since confirmed that this can be expedited. Ironically my mother can not set up another safe deposit box until she has her Real ID.

Yesterday I received a phone call from the same representative requesting a signed letter from me stating the safe deposit box number, its location, and where I want the contents to be delivered. The letter should also release Citizens from any liability above their {$1500.00}. Insurance limit. 

I have since written this letter, but why was this requirement not mentioned when I met with her last Friday? Why does Citizens not have a form available that can be filled out to help expedite the process? 

The closure of these safe deposit boxes has not been handled well by Citizens on several levels, first and foremost by not providing notification to owners of the boxes closing. Alumni associations and similar are very capable of locating people when they have moved ; it appears Citizens did not make a concerted effort to contact either my mother or me.
Product: Credit reporting or other personal consumer reports

I went through a legal name change in XX/XX/2022 and have requested Experian to make an update accordingly. After I've filed a request with Experian and supplied required documents for proof, Experian did not handle my request and my current online credit profile does not show any credit history or current active credit accounts except one. As a result, my credit score is under XXXX purely because it does not properly reflect my credit history. For comparison, I have 13 active and current credit accounts and those information are correctly reflected in XXXX and XXXX. 

I have reached out to Experian over 30 times throughout the past 16 months to get this matter resolved. While Experian responded claiming their data pull is reflecting all information properly, when I log in to the Experian website to check on my credit score it does not show any credit information. I do not understand why this is taking a very long time. This has driven my frustration level through the roof.
Product: Debt collection

Porfolio recovery has been trying to collect on a debt that was paid. This collection agency has been removed several times from my credit report but keeps reporting the account as an unpaid collection from XXXX XXXX. The collection agency is trying to collect on the behalf of a credit card company ; XXXX XXXX. XXXX  XXXX has reported this account as paid. They are no longer on some of my credit reports but I want them to stop reporting this account. Porfolio recovery has been closed for years on one of my credit reports but still open on the other credit bureaus. I want them to stop trying to collect on this account.
Product: Bank account or service

I have been a victim of fraud on my account XXXX times in one year from Captital One 360. Each time, I am required to wait up to XXXX hours for pending payments to post so that I can then dispute them. I am left without funds in my account for the same amount of time. I have repeatedly ask Capital One 360 to change my primary contact number to my mobile number so that I am immediately notified of any fraudulent activities. I also receive no compensation for any loss of time or inconvenience being caused by the repeated fraud this bank allows to happen on my bank account.
Product: Mortgage

My mortgage servicer is loancare. I am formally making a complaint as they have been consistently mis-applying my mortgage payments. My mortgage was paid by HAF ( Housing Assistance Fund ) from XXXX XXXX XXXX Each month my payments were applied more than 30 days late. In XX/XX/XXXX HAF sent them a lump sum amounting to XXXX. They returned the lump sum and did not apply XXXXXXXX XXXX payment, then reported me to the credit bureau for being late. I called them over 30 times to explain to them that the payment should be applied to the principal balance. 

As of XX/XX/XXXX, I resumed my mortgage payments as HAF 's last payment was in XXXX. They have applied both XXXX and XXXX in an unapplied balance account. When XXXX payment is made, they will have 3 payments in this account without being properly applied. Their system shows that I am 78 days past due making me unable to make payments online. I was told 3 different dates for this matter to be resolved. Today when I called, the Representative is now quoting a much later date. The Rep. did mention that my account shows current with the credit bureaus and they would not report me thankfully.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to provide an update on the complaint against Citibank ( Case # XXXX ) and to request your assistance in resolving a discrepancy in Citibank 's recent correspondence. 
In response to the complaint filed by my daughter, XXXX XXXX, Citibank sent a letter to me dated XX/XX/year> ( Citi Reference Number : XXXX ). In this letter, Citibank stated that a check in the

amount of {$36000.00} was mailed to me under separate cover, and I should receive it within 7-10 business days.

However, on XX/XX/year>, I received an official check from Citibank in the amount of {$29000.00}. This amount does not match the {$36000.00} mentioned in their letter. I have requested clarification from Citibank to determine if the {$29000.00} check represents the accurate amount of refunds.
Product: Mortgage

On XX/XX/XXXX, we called PennyMac Loan service to get a payoff for our mortgage. They told us that it would take 7 to 10 business days to receive it. We asked if there was a way to expedite the process because our closing was on Friday XX/XX/XXXX. We called the week of the XX/XX/XXXX and every time the title company and my husband and I called, they said " its pending '' call back later. But it is expedited. They said during one phone call that our house was in the process of foreclosure and it was given to an attorney. However, when we asked them about the attorney 's contact information the loan service said that the attorney would charge every time we called which would add to our expenses which stopped us from calling the attorney 's office. One day my husband called the attorney 's office and asked if he spoke to someone about the process our house was in, would we get charged just for inquiring? They said absolutely not. Therefore, the loan service had lied. Our title company has been authorized to call our loan service as well and everytime they call, customer service is super rude and saying there is absolutely nothing the loan service can do. They say to contact the attorney because that is what they are waiting on. We are well past the 10 day mark-up and yesterday my title company called and the loan service said " oh well because it is in the process of foreclosure is could be up to 2 weeks before receiving the payoff. '' This was never stated and the process has not gotten into depth. We called the attorney 's office and they said they have done everything on their part and now we are waiting on the loan service to finish up the final product. We are going in circles and there are still no numbers given of when it will be done and how much we are looking at paying. They are harming me of my financial state. I am not paying the added up charges and interest they are accruing for every day after the 10 day marking period when I should have had my payoff in the first place.
Product: Debt collection

Earlier today I submitted a dispute of the account the above referenced collection agency is attempting to collect from me. Despite not being the person to authorize the opening of the account, I have found an additional violation of the Fair Debt Collections Practices Act and the Fair Credit Reporting Act Professional Bureau of Collections is attempting  to collect a debt that according to the original debtor originated in XX/XX/2013. Professional Bureau of Collections has intentionally reporting inaccurate information. They re-aged this account to display it as a new account opened within the last 4 months to cause as much damage to my credit report as possible. 
I have already made the company aware of the fact that I did not authorize the account, I am now making the CFPB aware of the fact that they are engaging in unethical collection activity that I wish to stop now.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against navy federal for similar practices, where transitions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

The company 's data breach compromised all information on my credit report and accounts. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Request to remove all information from my credit reporting agency
Product: Debt collection

paramount recovery systems are doing the same thing they are reporting a debt but dont even have it in there office when i call them they tell me its not in there office that i need to call the original creditor
Product: Credit reporting or other personal consumer reports

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

They reached out me by mail to collect on behalf of a debt I do not have any recollection of. Ars Account Resolution has failed to verify the debt by not sending me a copy of the last bill from the original service provider so I can verify the debt. In addition, I have not signed any documentation giving consent for my personal health information to be released nor utilized by ars. ARS is currently illegally attempting to collect from me on behalf of a debt in a state in which they are not licensed.
Product: Mortgage

The refi was to close on XX/XX/XXXX. All along it has taken back steps to process the a bunch of delays the most recent delay was that because the underwriter say that I had a different name on a document they insisted to know information about my divorce that occurred in XXXX even though my ex-husband is deceased. even after I have provided the death certificate ( which stats divorced ) they insisted that their staff would research the divorce and search for a final decree. In the meantime I think that I have been put through a process of delays to put me into a dire need to sign whatever the produce using the excuse that the found evidence that I did not disclose or whatever excuse the come up with for a bait and switch scam. 

The most recent problem today was that XXXX XXXX insisted that I provide homeowners insurance for my house in his co name, while my house is insured through My XXXX XXXX XXXX. The new insurance is in effect at XXXX XXXX tonight listed with Finance of America as ben,  while my XXXX XXXX XXXX is held with California Department of Veteran Affairs and is fully insured with XXXX XXXX. 

I informed XXXX XXXX that I am well informed that it is illegal to double insure and to hold insurance for a property that he has no rights to -- he in turn gave me a bunch of bs to state that he is just following rules XXXX XXXX Finance of America Mortgage LLC XXXX ID # XXXX
Product: Vehicle loan or lease

I had a auto loan with this bank. I received a notice that I was entitled to money when I sold it to another dealer. The money was due to a gap policy. When I received the notice the due date had already passed. I was not able to work this out with the bank.
Product: Debt collection

I sent a letter requesting the original contract with my wet signature for validation.
Product: Debt collection

A debt collector ( credence ) called my cell phone telling me that I owe money but when I called XXXX XXXX XXXX ( orginal phone company ) I was informed that I was not put in debt collections. I called back the collection agency who called me and they were telling me that i need to call XXXX on 3 way. I informed the representative that I am not calling XXXX on 3 way but i will inform FTC about their agency. 

Debt collection agency and representative : Credence resource management LLC XXXX XXXX-XXXX Telephone company : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe this is a XXXX  error becuase I dont believe that all credit cards companies on my XXXX  report decided to report old XX/XX/XXXX information on the same day at the same time ( XX/XX/XXXX ). This only happened with XXXX. XXXX  and XXXX  has not changed the updated informtion to old outdated information from XX/XX/XXXX. Although XXXX  said this was done by all 3 credit card companies. I believe this is XXXX  error because Discover reported an updated balance of XXXX  balance XX/XX/XXXX then it was change back to a XXXX balance of XXXX dollars on XX/XX/XXXX. The same thing happen with XXXX XXXX and XXXX XXXX  on the same day. Apologize for XXXX  error but credit card companies can you please retify this with XXXX  this outdated info from XX/XX/XXXX that XXXX  placed back on my report after your company reported the update XXXX  balance XX/XX/XXXX. 


Discover reported a XXXX  balance XX/XX/XXXX then today XXXX  is the only credit bureau reporting old balances today from XX/XX/XXXX on all XXXX of my credit cards that showed XXXX balanes in XX/XX/XXXX its reporting an old balance from XX/XX/XXXX. 

XXXX  for all credit cards reported to XXXX  XX/XX/XXXX. Why is XXXX  reporting old information from XX/XX/XXXX balances on all credit cards. Information from 5-6 weeks ago and the old inaccurate information replaced the accurate updated XXXX  balance information todayXX/XX/XXXX. This in against Fair Credit Act. I dont believe that all credit card companies decided to report old XX/XX/XXXX information on the same day. 

As a result, my score has went down form XXXX to XXXX today XX/XX/XXXX because all credit card has been chanege back to old outdated info of this error causing non approval on a house
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my XXXX credit report that belongs to someone else with the same last name. The collection agency did acknowledge that this was not mine and they filed to have it removed. XXXX  still shows it. I contacted XXXX and disputed this and their investigation came back that this belong to me even though I gave them a copy of the email from the collection agency acknowledging that it was not mine and that they were trying to remove it. Bottom line I 'm stuck between a collection agency that says they followed the process to have it removed and do n't know what else they can do, and XXXX that can only accept disputes and their investigation comes back wrong. I am frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and the inquiries I am disputing were never done by me neither anyone I have authorized, these inquiries were never authorized and therefore must be removed in accordance with the FCRA section 605b. I have read enough to understand my rights and according to the FCRA section 605b the Credit reporting Agencies are required to remove any accounts and information that resulted ue to identity theft. I am now submitting this compalin to you today to request for the Credit Bureaus to remove the followiing inquiries completely from my Credit File : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2022