23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I reached out to Sallie Mae about my monthly payment this evening because I can not afford the current monthly payment of XXXX a month. The person I spoke with told me that I could extend the term of the loan and was give a monthly rate of XXXX that I told him I still could not afford in my current situation. I told him that I could more closely afford something around XXXX but no more than XXXX. I was told there was nothing that could be done other than forbearance. I said I didn't want to do that, that I am still trying to stay current on this loan so I don't fall behind and miss the payments. I asked if there was a different department or someone I could speak with that neither of those worked for me and was told there was no other department and that I could speak with their escalations department. I was transferred there and was told the same thing that I can either do that plan or I can do a forbearance. This agent also suggested that I could just pay what I can and when I fall behind on the loan that I can just talk to their in-house collections department to see what they can work out. I was given no alternative options and just told that they can do nothing until I stop making payments towards the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling to get my account and credit updated at XXXX XXXX XXXX. My account had been in forbearance, but I have been trying to get it removed since early XXXX. First, I was told it would automatically end and I could not end it early. Then, after weeks of calling because the forbearance was still showing, I was told that it would not end unless I paid the back due amount. So I paid the back due amount, and my account still has not been removed from forbearance and my credit report has not been updated. Every time I call I am told something different and it never matches up. I have dealt with many banks for many reasons and this is by far the worst one I have ever been forced to deal with.
Product: Mortgage

I sent my mortgage company a property tax bill on XX/XX/2020 that was due on XX/XX/2020. This bill still has not been paid out and is now 30 days deliquent because LoanCare LLC has not paid it yet. I have called their customer service dept. 7 times and they are not able to put me in contact with the tax department so there has been no solution in sight. I was told today that this request would not be completed until XX/XX/2020 making this tax bill almost 60 days late. At one point I was even told by a customer service agent that the payment was being processed " as we speak '' which I discovered was a lie. This company is holding my escrow money that I pay into and will not disburse my tax payment in a timely manner.
Product: Mortgage

Home was damaged by lightning. Insurance company sent me and Pennymac $ XXXX. Pennymac loss draft department sent me $ XXXX. Contractor requires {$72000.00} due prior to start. I requested additional funds of {$32000.00} so I can pay the contractor and faxed them the contractor payment schedule on XX/XX/year>. They denied the request on XX/XX/year> and now I am unable to start my home repairs that they hold the mortgage on. Now the contractor will not start the project and I am stuck with a home that can not be repaired that we both own. Why would they not want to protect their property ( our property )? This makes no sense and is very frustrating as I am already displaced and now unable to get into my home until repairs are made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX needs to apply a strict rule that relates to the Fair Credit Reporting Act. As you can see from the Bank of America credit posts on my recent hard copy of my XXXX credit report XXXX Bank of America has posted two accounts where it shows clearly late payments in fiscal year XXXX. Personally I believe Bank of America cut off at least five years of payment history, and I know for a fact that I had late payments dating back into XXXX. Both of these accounts should have been deleted in XXXX. However, Bank of America must delete both of these account immediately, not in XXXX and XX/XX/XXXX respectively. XXXX must enforce the 7-year rule as it applies to all citizens across the board. Both Bank of America accounts should be deleted permanently, and a proper reinvestigation is in order.
Product: Mortgage

PNC refuses to acknowledge their property tax rate for my property is wrong. I 've provided documentation stating as much. Now they continue harassing me by saying that I 'm in risk of getting reported to the credit bureaus for not paying. However, I 've never missed a payment and refuse to pay more than what I actually owe.
Product: Credit card or prepaid card

Many years ago, I called citibank to cancel the recurring fee that I was receiving for " Debt Protection. '' This was before the settlement in XXXX and they refused to refund the fees, however they stated the charge would cease. I distinctly remember that it had ceased at one point, however I realized this morning that it is again recurring on my  statements and has been for as far back as their online portal will let me review statements, XX/XX/XXXX. I have no doubt that this charge goes back further than that, but I have no way of knowing exactly how far without additional statements. Additionally, after reading the settlement and reviewing emails, I was never contacted by citibank to refund the fees as stated in the XXXX settlement. So, this morning I called to get the matter resolved and was blind transferred by multiple employees in a round-robin ring where no one would take ownership or direct me to who to talk to. Ultimately, I have been hung up on twice. On the last call, where I was finally able to reach a native English speaker, she assured me that she would get me to the right person and not hang up on me. She then requested to put me on hold while she researched, then, without speaking, blind transferred me to a department that, by its title, was responsible for just this issue. They had a touch tone system with 1 and 2 used for prompts. 2 was the options I needed, but instead of transferring me to a person, it looped me back around to the main account status system where it was attempting to look up my account. This is a blatant use of technology to route worthy customers into a black hole of avoidance. I want my fees refunded as far back as the settlement requires them to go.
Product: Debt collection

Penn Credit ( PC ) has been excessively calling / harassing my home multiple times daily/weekly/monthly for over 4 months from Monday thru Saturday from XXXX XXXX to XXXX XXXX Their calls disconnect when my answering machine turned on. Therefore, I do not know the reason for the call because they do not leave a message. I was forced to buy a phone with a block feature ( XXXX  recommendation ). PCs phone number is blocked, however, they continue calling. My first recorded date when PC began calling my home was XX/XX/2018 at XXXX XXXX from the phone number XXXX. The most recent recorded date is XX/XX/2018 at XXXX XXXX My wife XXXX and I have been the only residents here for the past 10 years. We do not have nor had any debt. I am registered on the do not call list. I was advised the contact your agency. Thank you.
Product: Debt collection

This apartment complex charges wrongful fees and I disputed with the manager. She tried to get me to resign my contract and when I refused I was charged all of these outrageous fees when I moved out. Then the manager would not and did not respond to any of my emails or phone calls after I moved out
Product: Mortgage

As per letter attached. I have made 3 requests to get my {$30.00} refund and to date all i get is promises that the check will be mailed. Please assist in getting my refund Thank You
Product: Debt collection

15 U.S. Code 1692 - communication in connection with debt collection. 
This debt collection agency is require that I pay {$130.00}. On a debt that don't belong to me or is not verified.
Product: Credit card or prepaid card

American Express openly admitted to " Closing an account that supposedly they have the assumption i opened. '' Firstly the address that is in their response letter that they stated they sent to me is not my address. I have not ever lived at XXXX XXXX XXXX in XXXX TX. Nor have i ever applied for any American Express online. I am reporting this as identity theft as i never opened any American Express account online, i never applied for any American Express cards. Never received any letters from your institution warning of " Dispute billing abuse '' never once received a call. I have never called in to your institution you have no proof of any of these accusations. You stated the " Caller '' verified my phone number and asked to be reinstated, I wouldn't have called in to your company asking for any card to be re instated that i never opened in the first place. Nor would i verify my phone number. Again this fraudulent person committed IDENTITY THEFT. I am going to attach the FTC report to this CFPB case since you continually avoid facts that i am providing to you. You never provided resolution, did not actually research this issue. I never made payments to the account, nor did i ever initially receive any cards from your institution. I don't dispute things with cards i use. So again that would have to have been the fraudster disputing items. You never called my phone to notify me of anything, i never once received any letters or calls from your institution. I have found out just recently from your customer service agent about this account that was opened in my name like you stated " ONLINE ''. You continue to inaccurately report this and abuse the FCRA. So if you warned anyone of any of these " Disputes '' where did the letters go? I never received anything from your institution, yet you state you verified i did. Clearly your evidence is false and you are falsely providing accusations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that these items will be corrected. 

XXXX XXXX Balance : {$18000.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Debt collection

I sent a certified letter to AMERIFINANCIAL SOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX no response I am requesting a XXXX release form show i agreed to release any of my medical records, Please provide me with the below mentioned things : * The amount you claim Iowe you * Explain and show me how you have computed the amount *Send me the copies of any documents that prove Iagreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period *Prove that you're a licensed debt collector *Show me your license numbers and registered agent.
Product: Mortgage

We submitted a double home payment On time to freedom mortgage which then applied the entire payment to escrow and not to the account which was never authorized. Then they reported to our credit we never paid them and are now trying to charge us late fees and say our payment was never sent. I really don't know what to do. They've destroyed our credit completely. And we've never missed a payment, even pay double.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TransUnion are running me around in circles regarding my credit history personal information. Something is incorrect with my name, Social Security number, etc in their files.
Product: Debt collection

I reached out to Chase Bank about their actions of sharing my non public personal information with others is a inconvenience and has hindered me from obtaining more credit. I sent an letter to Chase Bank about their actions and no change of actions have occurred.
Product: Debt collection

Results Unlimited fraudulently created and automatic drafts XXXX  on my account without my permission or authorization. I called to make my payment and even asked if they had my information saved from my last payment and was told by the representative no. Only to have her call me back the a couple of days later to alert me that I was on autopayment. I requested it be canceled and asked for a refund of the overpayment. I was told that I agreed to the payments and they would not be refunding the overpayment. I explained this can't be legal and I wanted to speak with a manager. XXXX, the supervisor, not only was not helpful, she also marked my account to not accept checks by phone anymore. I asked the calls be pulled since they say they are recorded an she said it MAY have been, but didn't go to check. I made it clear that they accessed my account without my permission and they did not seem interested in fixing the issue and even went so far as to say they may not be able to stop the the other post dated payment I made by phone as well siting it takes XXXX weeks to stop but there was not even a XXXX week window from when it was arranged. She would not provide the full address ( missing XXXX XXXX found in XXXX  search ) and would not supply who to send my complaint to when I asked for names. She also refused to tell me the company 's policy for how refunds are handled and what is the protocol for fraudulently accessing banking info.
Product: Debt collection

A utility bill I had eight years ago was incorrect. It was a bill for the previous tenant that was living in my apartment, but was transferred to me. I disputed this with the gas company, but they quickly sold my debt to creditors. XXXX harrassing letters and several years have elapsed. The debt has not been present on my credit report for at least a year now. Eight years later, the debt has reappeared on my credit report. I have proof that the debt was not listed on my credit report, and then summarily reappeared with a false " from date '' of 2013. I was not living in the same state at the time of the false date. The company is listed under XXXX under different names. It is listed as TransWorld XXXX, and TSIXXXX XXXX. XXXX are appearing only for the first time this month.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the ongoing issues I have experienced with the handling of my credit report and disputes by Experian. I have been diligently working on improving my credit, and part of this process includes addressing any inaccuracies on my report. However, it seems that Experian continues to disregard several key legal requirements outlined under the Fair Credit Reporting Act ( FCRA ) .Due to the recent lawsuit filed against Experian on XX/XX/year>. I insist you conduct an investigation as you are required by the FCRA Law. I will explicitly say do not accept the finding of the furnisher who does not provide thorough results of their investigation. Which I ask that you provide to me in exact detail. Please DELETE the disputed information within the required timeline of thirty days as set forth per FCRA which is federal law. 

XXXX XXXX Acct # - XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and process related. Please remove or prove! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

XXXX XXXX Acct # - XXXX Have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I presume that no proof of alleged debt nor therefore any such debt in fact exists. 

XXXX XXXX Acct # - XXXX Please remove it from my credit report XXXX Acct # - XXXX Please remove it from my credit report XXXX  Acct # - XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and process related. Please remove or prove! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

Attach below is a Notarized Affidavit of Dispute.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Citibank provided written response to my complaints that included false and misleading information to cover up the ongoing racially motivated attacks against me by their employees. I have been harassed! False information placed on my credit report by Citibank. They dismissed me and took no actions against the all the employees involved with their XXXX discrimination against me. I have done nothing. Citibank has refused my repeated requests for my account notes! Dates and times and reason fraud claims were opened on my account that I never requested nor consented too. Citibank is creating a hostile environment where XXXX consumers are not protected from their XXXX employees taking unlawful and unjustified adversed actions towards XXXX American customers. They have caused me financial harm, lied and falsely accused me and take no responsibility for the ongoing harassment by their XXXX employees since XXXX!
Product: Vehicle loan or lease

I have a 2016 Kia Forte no issues whatever besides the excessive oil burning. I get regular oil changes, have taken it to plenty of place wheres they dont find an issue or say its normal for Kia Ill be fine just always check my oil levels or saying I didnt need oil. My car has been known to stall while driving if I do forget to check the oil before driving which is very dangerous. This has been going on for a while and nobody finds anything wrong. The last time my car stalled it didnt move again it was towed to be looked at and it was found that the motor was blown. The repair man told me he could not find that kind of motor and even if it did the amount Id pay would not be worth it for the car. I called Kia they said I did not have a warranty because I was over XXXX miles and they also didnt have a engine and even said they dont make the engine anymore and refer me to XXXX other places XXXX place did have a used engine it was {$3100.00} and told me it would take XXXX hours to repair which would cost me about XXXX. I did finance this car so now im stuck paying for a car rendered useless because I dont have that kind of money and Id I did it would just make sense to get a new car because r could still end up having engine issues after repairs. I know their is a class action against Kia and Hyundai for this exact reason so I just wanted to reach out to somebody.