23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan was sold to Firstmark services. First of all, when I first got with this new company, I was told I had 90 days before being reported to a crediting agency. A little long, but I always made sure I kept it in that window since Im trying to start my life off. At the start of this process, I hit some snags because the XXXX XXXX was supposed to be paying this loan per my enlistment contract as a part of my bonus. When I found out that the XXXX was not fulfilling their end, I started paying. After starting to pay, I continually told Firstmark that I am the primary so please get with me on all the information I need to know. Firstmark continually sends mail, emails, and calls to the Co-Signer, XXXX XXXX ( XXXX ) and only sends me the bill. Firstmark does call but I repeatedly told them that I am a Deputy Sheriff on Midnights and when they call I am asleep. The times I do get to answer, no one answers the phone. Ive even heard the person on the other end of the line having a conversation. They will then call the co-signer as if I didnt answer at all. For example on XX/XX/XXXX, I answered the phone and, with witnesses, stayed on the line for XXXX minuets with the both of us trying to get someone on the other line to talk. Then, XXXX minutes later Firstmark called the co-signer and left a message. Something Firstmark has never done for me. Now, the co-signer is threatening to sue me due the him being adversely affected by the situation and me not being able to take care of the situation. All due to the fact that after multiple complaints Firstmark refuses to elevate the issue. Ive reported to management multiple times and when I ask to speak to management, like today XX/XX/XXXX, I get hung up on. I feel as if Firstmark is operating as such on purpose given the fact the co-signer has stated that he will not pay any part of the loan to both myself and Firstmark. As I do not have the best history of payment, I do have a history even paying more than what the monthly payment is at times in order to try and catch up.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX  XXXX XXXX, [ XXXX XXXX XXXX XXXX ], Capitol One [ XXXX ] I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote about this before, at this point it is willful noncompliance, 15 U.S.C 1681n. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. These violations are also pursuant civil liability under 15 USC 1692k. If these accounts are not removed with monetary relief then the next letter will be mailed directly with an invoice for every violation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - Received notification from XXXX XXXX that a hard inquiry had been placed on my credit report. Company name : XXXX ( XXXX XXXX ). 
XX/XX/XXXX - Attempted to contact XXXX. Was told by XXXX that dept had left for day. 
XX/XX/XXXX - Spoke with XXXX and she informed me to contact police to file a report and she would send a fraud letter to have completed. 
XX/XX/XXXX XXXX XXXXXXXX - police report finally given with case number : XXXX with XXXX XXXX XXXX XXXX Police Department ) XX/XX/XXXX - Attempted to obtain police report, but was told report was incomplete; had to go to police department to find out reasoning for incomplete report. 
XX/XX/XXXX - Received voicemail from XXXX XXXX that incident report was now complete. 
XX/XX/XXXX - Received incident report for identity theft incident. 
XX/XX/XXXX - Mailed certified letter to XXXX ( XXXX XXXX ) containing photocopy of my drivers license, incident report, and completed fraud letter company had provided. 
XX/XX/XXXX - Tracking number : XXXX shows delivered to XXXX XXXX XXXX 
Below are two of the suspects from my daughter 's stolen vehicle ( occurred same night ; however I did not realize my passport wallet containing my Social Security card, passport, and passport card had been stolen until XXXX XXXX alert ) : XXXX XXXX ( XXXX : XX/XX/XXXX ) - XXXX XXXX XXXX, XXXX, TN XXXX and XXXX XXXX XXXX ( XXXX : XX/XX/XXXX ) - XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TN XXXX
Product: Vehicle loan or lease

On XX/XX/2021 I sold my XXXX XXXX  XXXX truck to " XXXX ''. I received a letter dated XX/XX/2021 in the mail from XXXX stating my loan is delinquent and now I owe late charges. Since I work at XXXXXXXX XXXX  I brought this to the attention of my boss and explained the situation. He reached out to XXXX XXXX  and explained the situation and called XXXX XXXX XXXX XXXX to ask why the payoff was not sent on this account? We were told it was missed and was an error on their part and would be sent immediately and a letter will be provided to me showing this was an error on their part to clear my credit. I have not received the letter as of today ; however, did reach out to them again to get it.

XXXX said that they can provide me with a letter from the title and accounting department if needed to help assist.

Now my credit which I have been working so hard to get perfect in order to buy my first home is ruined. Please help I was on my way to almost an 800 beacon score when this happened, now I tried to get credit with XXXX and can't even get that now! : (
Product: Checking or savings account

On XX/XX/year> I was charged XXXX {$35.00} overdraft fees. 
On XX/XX/year> - {$35.00} charge On XX/XX/year> - XXXX {$35.00} charges On XX/XX/year> - {$35.00} charge On XX/XX/year> - {$35.00} charge On XXXX {$35.00} charge On XX/XX/year> - {$35.00} charge Wells Fargo took nearly {$200.00} from me alone in the month of XXXX. 
I contacted Wells Fargo in XXXX about recovering fees they had taken from me and explained that I had experienced job loss in XXXX. The representative was able to refund XXXX of the {$35.00} charges and are not listed above due to being refunded. In XXXX when I had received MANY fees from Wells Fargo I contacted again and was explained that I would not be eligible for a refund for another XXXX  months. These are completely unfair and abusive practices by Wells Fargo. I am XXXX and being eaten alive in fees without being able to recover because Wells Fargo is taking more and more money from me, when I clearly have no money right now. My account is in the negative. These are abusive practices by this bank and they will get sued over this matter just like XXXX XXXXXXXX XXXX has. MY bank taking nearly {$300.00} from me in XXXX  days because I dont have any money due to a job loss?! ABSOLUTELY CRAZY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - Notified by credit alert that Village Capital had reported mortgage payment ( XXXX ) over 30 days late. This caused a huge drop in my credit scores with all three credit agencies ( XXXX, XXXX, and XXXX ). I have a copy of letter from bank that mortgage payment was mailed on XX/XX/2023 via check direct to Village from bank. 

Village Capital has refused to acknowledge payment was received by XX/XX/2023 and their company did not process the payment. Customer has a solid payment history and has never made a mortgage payment over 30 days late to Village. 

If there was a problem with the payment, the right thing to do is contact the customer, especially a customer with an excellent payment history, before automatically reporting a payment over 30 days late to credit reporting agencies causing 7 years worth of credit damage for the consumer. 

Village Capital should remove this incorrect and unfair late payment report from this customer 's credit reports.
Product: Vehicle loan or lease

BOA has not provided a lien release for a loan that was PIF XX/XX/2024. They can only provide a date it was " mailed '' of XX/XX/2024. They keep giving me the run around to call, they just tell me when it was " mailed '' but the bank it was " mailed '' to has not received it. It's all a big circle with no end. They need to produce a second lien release now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute with experian to update my personal information and delete my old address and their are to address that have have accounts that are part of them and they are refriguing to remove those two addresses.
Product: Mortgage

I called several times and requested a loan modification or payment plan, I explained to the loan servicer numerous times over a 12 month period that I have bee living off of fixed income ( short-term XXXX ) and unable to keep up with payments due to my surgeries and hospitilizations. I explanined that I was now back working and could catch up the payments if they would work with me. They stated that the federal government does not allow them to give me a work-out option and all arrears are due immediately. They also stated they would not accept payments of any amount if it is not the full amount die. As of thus date that is over {$12000.00} ( 12 months of payments ). I Spoke with XXXX XXXX on XX/XX/XXXX he is a counselor for PHH loan servicing company. PHH is the servicing company assigned by XXXX XXXX  ( mortgage company ). XXXX XXXX refused to offer me any assistance or workout application stating my loan is only elidgeable for the full payment of all arreaers. I asked him and every customer service person I spoke with for the contact info to the mortgage company and they all refused.
Product: Credit reporting or other personal consumer reports

XXXX  reporting of 30 days late payment is still not correct per previously reported on CFPB report # XXXX. Experian claim that they researched and updated my account is incorrect ; My credit report still shows 30 days late for the XXXX XXXX mortgage account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union XXXX XXXX XXXX XXXX has failed to provide verification of this. I don't even have an account number to add of this said debt. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

When ordering my free annual credit report from XXXX, XXXX and Experian, Experian has consistently not given me online access after I have given all my correct personal information AND correctly answered all their " security questions. They state because of " security issues '' that they have to mail me a " secret number '' and then I will be able to come back to their site and view my report. NONE of the other credit bureaus do this to me. Experian has CONSISTENTLY made it difficult for me to obtain my free annual report for over ten years! Sometimes even requesting phone numbers from 20 years ago to verify my identity. I am XXXX years old and can hardly remember a phone number from last year much less 20 years ago. I am be harassed!
Product: Debt collection

I sent a second request to verify the debt because in the first request I was given insufficient proof. I never received a response to my second request and instead received a letter threatening to sue for a debt currently in dispute.
Product: Credit card or prepaid card

I have been receiving bills from a card that I closed in 2020. When I call the company they tell me the account is closed and I should through the bill out. Every month I get a new bill with a late fee and interest. the bill keeps going up each month. Ive tried calling and writing letters and I can not get the problem solved they ignore my letters and keep sending new invoices.
Product: Credit reporting, credit repair services, or other personal consumer reports

List below are unauthorizedcredit pulls using my personal information XXXX CARD - XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX I sold my house. Taxes and insurance were paid up to date by the transaction escrow company during the closing. I had an excess in escrow funds collected by the loan servicing company AimLoan.com. The loan servicing company owes me a tax/insurance escrow refund of {$620.00}. I provided a change of address to reflect my new mailing address. A refund was not received. 

On XX/XX/XXXX, an escrow summary letter from AimLoan.com was sent to my previous ( sold ) house and the USPS forwarded it to my new mailing address. I called AImLoan.com to make sure they had my new address ( I had changed it online ) and questioned when I could expect a refund check. They said it had been issued XX/XX/XXXX. No check was received. I was told I had to wait 30 days to be sure it wasn't just slow mail before I could request another check be issued. 

On XX/XX/XXXX, the re-conveyance of Deed of Trust was mailed by AImLoan.com to me at the old address. I called to have the address corrected again. Each time I called, I had to start over with the change of address routine. It seemed like a delay technique. 

On XX/XX/XXXX, XXXX 30 days after their issue date ) I made an official request in writing to have my refund check that was never received, re-issued. I was told it would take 2-3 weeks to check with their bank before they can re-issue a check. 

I received a letter ( at my new address ) dated XX/XX/XXXX from AimLoan.com research department stating they received my inquiry and referred it to the proper department for review. 

I received a letter from AimLoan.com dated XX/XX/XXXX from their research department stating they received my inquiry and referred it to the proper department for review ( second notice ). 

It is now XX/XX/XXXX and I have not received my escrow refund nor any further update on AimLoan.com servicing company efforts to refund my escrow surplus. Two months and 22 days past mt house closing and loan payoff date. Still no refund has been issued. 

Please help me get my money back from this company.
Product: Credit card

A credit card was opened in my name on XX/XX/year> at USAA somewhere in XXXX  in live in XXXX. I was notified by XXXX that a credit card account was opened in my name at USAA and then I received a credit card in the mail from USAA. I called USAA and reported the fraud and they froze the account. I also notified the XXXX credit bureaus notifying them about the fraud.
Product: Debt collection

XXXX XXXX XXXX ( ERC ) placed an account in collection on my XXXX credit report between XX/XX/2018 and XX/XX/2018. ERC placed the account in collection without notifying me. I refute this account.
Product: Credit reporting or other personal consumer reports

this letters complaint to fixed and delete inaccurate and misleading accountXXXX 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 received several phone threats from Ms. XXXX in XXXX, but I told her to do what she needed to do in the courts. On XX/XX/XXXX she called from a XXXX number ( XXXX ) XXXX ext. XXXX stating she was with Sunset Solutions Group demanding to file a judgment against me and deduct money from my payroll if I didn't make payment arrangements. At this point, I agreed to pay a one time payment of {$200.00} and $ XXXX  monthly until paid off. I received a XXXX via email from XXXX the Accountant and a settlement document as well. I signed the document even though it was against my better judgment and they withdrew one payment from my account. However, during the month I spoke to my bank rep and they said it sound fraudulent and banks do not make phone calls, they send out letters in the mail. So, I had my bank to issue me a new debit card. The next month I received another call from Ms. XXXX requesting the money, but I refused to pay. Another rep by the name of XXXX XXXX, Creditor Supervisor called on XX/XX/XXXX saying Sunset Solutions Group had purchased the account from XXXX XXXX  XXXX XXXX and Mr. XXXX reduced the intended amount of {$1300.00} to {$600.00}, however, I refused him as well. 

After I spoke to Mr. XXXX I called XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX ) and they didn't have a Lein Department. I researched Sunset Solutions Group to find out that the business is unclaimed and anyone could claim this business for free. 
Also, there is a New York phone number ( XXXX ) XXXX for Sunset Solutions, CEO XXXX XXXX, but I can never reach anyone. I was just introduced to this site by XXXX XXXX to file a dispute so this is why it is now XX/XX/XXXX.
Product: Credit card or prepaid card

Paypal credit card statements are not clear to understand. It does not show the beginning balance of each statement so that I could have the ability to make corrections or check outstanding balance is accurate or not. 

I have contacted customer care and nothing was resolved. All they told me was that " that is they way they prepare statements '' and they can not do anything about it.
Product: Credit reporting or other personal consumer reports

XXXX : Request for Personal Information Update and Deletion of Inaccurate Data** I am writing to formally request an update to my personal information as it is reflected in your records. Please ensure that the following information is accurate and is the only information associated with my accounts : 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

Equifax, XXXX and XXXX have overused their power of being consumer reporting agencies. With the unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the CFPB to investigate the reporting practice of XXXX!!! You guys just keep sending my dispute to them and it's not getting resolved, I need CFPB to do their OWN investigation at this point. Please explain to me how this charge off account 's balance keeps increasing?? I just received a notification that the balance has increased by {$200.00} from XX/XX/XXXX to XX/XX/XXXX. Where's the interest or fee coming from that's resulting in the balance continuing to increase!!! This appears to be illegal as the account is charged off, I feel they violating the Fair Credit Reporting Act. They report that it late every month as well. This is unethical, I AM ASKING THE CFPB TO INVESTIGATE THIS ASAP. The balance is now more that what it was when if was charged off!!! Has the car been sold?? This is crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which are the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 

XXXX XXXX XXXX & XXXX CARD XXXX
Product: Prepaid card

On XX/XX/XXXX I received my ReliaCard in the mail. Unfortunately, I came to find out that the XXXXunemployment funds available on the prepaid card had multiple-monthly inactivity fees. 

After looking to resolve this issue and request these fees be waived, I attempted to call the number provided on the back of my card. I was prompted to do so by the automated message system. The number XXXX disconnected multiple times ( XXXX in total ) before I was able to speak with an individual/agent working for US Bank , unsure of why that was such an issue. I was then told that these fees could not be waived, which is a total of {$52.00}, from XXXXXXXX XXXX XXXX 

I moved out of state in XXXX, and this account was opened in XXXX. My address had been changed 1 month prior to moving out of state in XX/XX/XXXX, I feel I should have been contacted or notified I had {$800.00} + dollars in a bank account that is tied to my name. I was not notified through phone, text, email, mail etc that this account was in my name, nor that the money was available. Considering the positives to this situation, I had helpful customer service and support. I was sent a card and had my address changed as soon as I read the email. The one on file was not my current address, I feel that these inactivity charges should be waived. I had no awareness of this account until the end of XX/XX/XXXX, which is when I was able to contact customer service and explain that this is my account and to not close the account. It would have been given to the state of PA until I was able to contact them and prove it is mine. This occurred due to receiving an email from US BANK about closing my account on XX/XX/XXXX due to inactivity. Upon calling US Bank today they confirmed via phone call that they arent able to waive these fees due to it being a prepaid card. I would like these fees to be refunded as I had no understanding of the account before the month of XX/XX/XXXX nor did I have any card or access to it. There was no way to prevent the inactivity charges amounting to a little over {$50.00}. Its unfair they arent trying to find a solution for this scenario or some accommodation.
Product: Checking or savings account

My complaint pertains to how difficult is is to get a person on the phone. I do not call often. However, when I do the wait times are beyond ridiculous. Usually my phone battery dies before I am able to get someone of the phone.

Going into the bank is not much easier. The staff are very friendly. But the wait times in the bank are as long as on the phone.

I need to write a check. However, I want to ensure my check book is still active. ( My house had been broken into. I do not write checks often. I want to ensure this book is active and not one I had accidently cancelled after the break in. )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account XXXX XXXX # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions