23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Transworld Systems Inc is sending me a bill for {$720.00} and I do not owe this. It says city of XXXX. The only thing I ever had with the city of XXXX was a bill for XXXX in XX/XX/XXXX This was settled in XX/XX/XXXX through a debt collector XXXX company. 

Transworld shows nothing what his is for and they keep sending me unknown bills. it only shows an account # XXXX
Product: Student loan

I received the federal XXXX Grant in XXXX and XXXX. The total amount I received was {$6000.00}, distributed in two disbursements : - XX/XX/XXXX : {$3700.00} - XX/XX/XXXX : {$2300.00} My XXXX XXXX XXXX is XXXX. My account number is XXXX XXXX XXXX. MOHELA is the current servicer for my XXXX  Grant. I started teaching in XXXX, but during this period, the company managing my XXXX Grant converted it to a loan, which I repaid in XXXX. Below are the payments I made : - XX/XX/XXXX : {$71.00} - XX/XX/XXXX : {$3000.00} - XX/XX/XXXX : {$71.00} - XX/XX/XXXX : {$3400.00} Proof of these payments is attached. I paid a total of {$6600.00}, which covered the entire loan amount. On XX/XX/XXXX, I received an email from XXXX XXXX confirming that the loan had been paid in full. On XX/XX/XXXX, I received another email indicating that I had paid {$550.00} in student loan interest in XXXX. These emails are also attached. 

In XXXX, I began receiving correspondence from Federal Student Aid suggesting that my loan might be reinstated as a XXXX if I was still teaching. On XX/XX/XXXX, my XXXX Grant was reinstated, and I received a check for {$6600.00}, the amount I had paid back in XXXX. However, about a year ago, I discovered that my XXXX Grant had been converted to a loan again. To my surprise, interest was calculated retroactively from XX/XX/XXXX. This retroactive interest is a violation of my borrower rights, as financial laws prohibit charging interest on funds not borrowed. The interest should have accrued only from XX/XX/XXXX, the date the loan was reinstated. Given that student loan interest rates were paused at 0 % from XX/XX/XXXX, to XX/XX/XXXX, interest should have started accruing only from XX/XX/XXXX. I intended to pay off this loan in XX/XX/XXXX but had to wait for the interest miscalculation to be corrected first. 

During this time, I contacted MOHELA numerous times and spoke with several representatives, none of whom understood my issue. My attempts to correct the interest miscalculation and pay off the loan were hindered by MOHELAs incompetence. Their failure to address the error in XXXX delayed my ability to settle the loan, resulting in growing compounded interest. If MOHELA had corrected the mistake when I initially contacted them, I would have already paid off the loan.
Product: Student loan

I tried to pay and Was told if I did n't make the $ XXXX payment that they did n't want my money at all. That they would take everything I had plus my co signer.
Product: Credit card or prepaid card

I 'm stationed overseas and I can not pay my credit card company. It has drastically affected my XXXX XXXX and they 've offered almost no help at all. Capital One requires a credit card number to log in online but I do not have a card any more. I reported it lost several months ago. They can not issue me another card because my account is locked due to it 's past due status. I may call them, but in XXXX, XXXX numbers are not recognized by the cell phone carriers, so I 'm charged {$1.00} per minute. I spent {$20.00} last month and {$25.00} calling them just now ( XXXX ), only to learn there is n't anything I can do other than continue to pay exorbitant prices to call and pay over the phone. 

Best Regards.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrectly to all three of my credit bureaus. If all of the information comes from the same source why is it reporting differently on all three bureaus. On XXXX  and XXXX it has an open date of XX/XX/2019 and on Transunion its XX/XX/2019. It also shows a credit limit of XXXX on Transunion and XXXX but XXXX credit limit on XXXX. Being that all of the information reporting isn't correct this needs to be deleted from all three credit bureaus ASAP.
Product: Credit card or prepaid card

On XX/XX/2021, I sent CITI a letter informing them of their insufficient responses, lacking the necessary and required documentation to several billing errors I disputed on my credit card statement. Notice is attached. 

Citi failed to provide any of the necessary documents with the merchant responses or ask for further information requests. The letter failed to provide the detailed description card furnishers are required to provide or notification of, and, the merchant 's response. To date Citi has failed to supply many required documents per the cardmember agreement, Fair Credit Billing Practices Act, and the VISA dispute resolution process. By denying this claim without completing and complying with your contractual and legal obligations, CITI is committing multiple violations. The remedy for these violations is CITIs inability to collect on this debt. 

The charges in question are : XXXX REVERSE XXXX XXXX XXXX XXXX {$120.00} XXXX REVERSE XXXX XXXX XXXX XXXX {$330.00} XXXX REVERSE XXXX XXXX XXXX {$490.00} XXXX REVERSE XXXX XXXX XXXX {$290.00}
Product: Vehicle loan or lease

IN XX/XX/2022, I called First Hawaiian Bank ( FHB ) for a payoff amount to pay off the rest of my loan. I dated it for 2 weeks in the future to allow for time to cut the check and travel time to Hawaii through the USPS. After a couple of months, I called FHB to inquire on the status of our title because we had not received it yet. Come to find out, my check was not cashed until 3 weeks after the check had been cut and there was a {$3.00} balance on my account. I offered to pay the remaining amount and wanted their guarantee that this would be the last payment. However, they agreed to write off the balance, and informed me that since it was at the end of the day, her manager would write off the amount the following day. Another month passes by, and we have yet to receive a title or any acknowledgement that our loan has been paid in full. So I call back again, mind you everytime I call, I have to sit on hold for at least 45 minutes to speak to someone. They again tell me that nothing is owed and I should receive the title soon. Again, nothing received and on top of that, they reported our payment being 30 days late to the credit bureaus which negatively affected our credit score. I set up payment of {$10.00} to be sent to FHB because I just want to be done with this and I called again. They informed me that my loan has no balance and that the reporting of the late payment would be corrected in the following month. We finally did receive the letter stating the loan was paid in full in XXXX but we also received another derogatory mark on our credit stating our payment is 60 days late. It is ridiculous how much time has to be wasted because the employees of this bank are incompetent. I will NEVER do business with them again.
Product: Debt collection

On XX/XX/XXXX SANTANDER CONSUMER USA received my Affidavit in support of rescission where I exercised my right to rescind my signature on in the consumer credit transaction and my signature because I never received any material disclosures of the annual percentage rate and the method of finding the Finance charge according to 15 U.S.C. 1602v that took place on XX/XX/2021 between me the dealership and SANTANDER CONSUMER. The contract is a fraudulent one-sided agreement where SANTANDER CONSUMER USA and XXXX XXXX  XXXX XXXX XXXX is the only one benefiting from it. A contract should be a clear equal agreement for both parties. I also was never provided any rescission forms in a statement along with the rescission forms that congress addresses in the 15 U.S.C 1635 right to rescission code. Also in code 15 U.S.C 1635. ( b ) congress states that " When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within XXXX days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within XXXX  days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court ''.

" If the creditor does not take possession of the property within XXXX  days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. '' I find that SANTANDER CONSUMER USA upon receipt of my rescission and never reflected the termination of the security interest and still holds me liable for the finance charge and then continued by using fraud and unfair debt collection practices by threatening to take and seizing my vehicle that congress said I'm am no longer obligated to pay.

This has caused so much stress on me and my family and SANTANDER CONSUMER USA Is terrorizing my life. 

I attached the same affidavit I sent to SANTANDER where they never rebutted my Affidavit so it stands as facts
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to this company National Credit Systems about this matter mid XXXX 2017. The amount shown is {$1800.00} and {$500.00} totaling {$2300.00}. Under the new law effective XXXX XXXX, 2017, any public record data must include name and addresses as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law, National Credit Systems listed does not include this information and should be deleted from my report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize or benefit from the following fraudulent inquiries. PLEASE block and remove them. 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 or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 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 XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

( I thought I would include Experian in this group ) Since Dealer Track is in partnership with XXXX XXXX XXXX XXXX, I would like The Experian and XXXX XXXX  to answer me and the Consumer Financial Protection Bureau what is Experian and XXXX XXXX is agreeing with XXXX XXXX XXXX of XXXX with? That is on attachment c-3, as it states on page three under Federal Notices If appliable to transaction, to help the government fight terrorism and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? 
Furthermore, under Federal Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, you may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion? On Document labeled attachment B XXXX XXXX states I ask for the interest rate after he went over different options. Now wouldnt I have asked for the rate at the first option? 
Second point 9.5 % APR for a car loan at my exception credit ( credit bureau summary attached His he, are even you guys out of your mine? 
Third point why did it take all day ( approximately 15 minutes ) to get down to 6.39 %? 6.39 % should have been the first and only option. 
Fourth point, on page one how did XXXX XXXX get my social security number? I did not give it to him. I do not carry my social security card in my pocket. I have not needed it in years and years. 
XXXX XXXX, what does XXXX XXXX mean by they can not comment on explicit or implicit comments made by customer and dealer. I never said anybody said anything verbally. Now obviously XXXX XXXX XXXX of XXXX reported to XXXX XXXX that either customer and or dealership said something explicit verbally and I want to know what was said to XXXX XXXX by XXXX XXXX of XXXX in their last Consumer Financial Protection Bureau report.
Product: Student loan

I have XXXX private loans with Discover Student Loans, I am scheduled to go on XXXX leave next month, and will be on leave for XXXX weeks. I asked that my payments be temporarily placed on deferment due to the change in my pay. Unfortunately, I was told there were no options to be offered. That I would continue to be responsible for the monthly payments. I have consistently made my payments on time for the last six years. This situation will create an unnecessary burden and stress to an already difficult situation. DSL failed to provide any options and their customer service was subpar. I have never encountered such an impossible situation with a lender. This is an extremely difficult lender to deal with. My experience with them has been plagued with issues.
Product: Checking or savings account

Account opened XX/XX/2023. 

On XX/XX/2023 email was received stating that external transfer was suspended on the account. 

I called XX/XX/2023 and we told my issue was being escalated and I would hear back in XXXX business days. I did not hear anything during this time. 

I called on the XXXX business day ( XX/XX/2023 ) and was met with resistance by XXXX separate employees to speak with someone else about the issue. The first employee advised there was no one to be transferred to in management or a specialist dept to resolve my issue and I was placed on indefinite hold with no explanation. 

After I called back, the second employee attempted " verification '' of my identity with a text message that was never received (? I do not feel it was even sent ) and asked identity questions that were correctly answered, but I was told that I could not proceed without going to a branch. It was as is the XXXX employee was purposefully delaying my ability to discuss my issue with anyone that could help me. 

I only want the ability to set up external transfers reinstated to my account. I was given no explanation as to why it was suspended, and given the run around to try and get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get an annual mammogram covered 100 % by my insurance. I have been billed for a service covered by insurance.
Product: Credit card

There is a {$650.00} XXXX phone offer on my Citi AT & T access credit card. After all the requirements were met, I still did n't get the reimbursement after more than three months. First of all, I, as a client, have met all the requirements specified in the offer. I have contacted the customer service for more than three times and each time they told me that all the requirements were met and I just need to wait for up to three months. I have a screen shot for the chatting history to prove my words. Such long time period already violated the longest waiting time written in the phone offer. Moreover, I called Citi bank today and they asked for the receipt of buying that phone for reimbursement. But the offer agreement did n't show that the customer should keep the receipt. It is already more than three months and I could n't find the receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

****SEE ATTACHMENT PLEASE***** Dear CRA Manager ; Happy New Years! Im little shocked on your method of investigation actually I dont even understand your method of investigation. Ive disputed this account several times due to several inconsistencies, errors, incomplete and misleading information on the way its reporting, but for some reason it always comes back as VERIFIED. Its impossible that your agency performed a truthful investigation into this XXXX CC Account because it continues to report those misleading information highlighted below. For example, XXXX actually removed it due to those violations, but you continue to reported XXXX different dates of last active ; last payment, different date last reported, and high balance should be higher than the actual balance, etc. Its impossible that you can say that this is reporting accurate! Look at the report, and even the balance is questionable.
Product: Debt collection

I decided to have XXXX  XXXX back in early XX/XX/2014. The office that did the procedure connected me with XXXX/XXXX  ( acct number XXXX ) to finance this procedure. I had the procedure and continued to pay them until this was paid off. They currently have not updated my credit report since XX/XX/2014. I am trying to get a mortgage and this account is killing me. I have called the company ( XXXX ) and pleaded with them to give me some type of letter or info as to the status of my loan. They refused to give me this information. I am now unable to get my mortgage approved without the updated status of this loan. 

I need help to resolve this. 

Please help me to resolve this ASAP. 

Sincerely XXXX XXXX
Product: Mortgage

I switched insurance companies in XX/XX/XXXX. I sent proof of insurance to New Rez Mortgage on XX/XX/XXXX, twice on XX/XX/XXXX, and again on XX/XX/XXXX. I also spoke to them on the phone about the insurance ( though I did not record the date ). The first time they received my insurance documents was by email, the second time they received it by email AND the insurance company faxed them the documents directly, the third time was by email again. In spite of the fact that I sent them the required insurance information four times on three different dates, I received multiple letters in the mail claiming I had not provided proof of insurance, and threatening that they would buy a more expensive insurance FOR me. They then fraudulently carried through with purchasing their own insurance for my mortgage when they had already been provided proof of insurance four times, and are now charging me for insurance that I do not need and did not purchase for myself. I emailed both their insurance division and their customer service and received no response or acknowledgement from either of them. When they first took over the loan in XXXX, the same thing happened- they claimed I had not provided proof of insurance, and again on that occasion I had to email, fax, AND snail mail them the documentation before they finally recorded it.
Product: Credit reporting or other personal consumer reports

This account is incorrectly reporting on my name. I have requested the removal or deletion before many times but I continue to have my consumer rights ignored. 

The details of the subjected account can be found below : XXXX XX/XX/year> {$100.00} XXXX
Product: Mortgage

Hello, FLAGSTAR BANK is repeating the exact error that I've already submitted to the CFPB - and the bank claimed to have resolved. 
Here is the 1st complaint filed and resolved 5 months ago to the day. 

XXXX XXXX XXXX XXXX XXXX XXXX mortgage Trouble during payment process FLAGSTAR BANK XX/XX/2021 Closed Company responded I have attached my original complaint and the resolution letter from FLAGSTAR BANK> I also included a snapshot of the new letter I received today - restarting this whole nightmare over again. 

I'm also submitting a new complaint that I have logged in and selected paperless delivery about 4 times yet I continue to receive a hard piece of snail mail, including statements, about every 3 days from FLAGSTAR BANK. I need the bank to implement paperless delivery as I have requested multiple times online.
Product: Credit reporting or other personal consumer reports

this account keeps getting sold to other companies and keeps coming back on my credit report, after me proving this was identity theft. please do a thorough investigation and remove this inaccurate information from my credit report immediately please.