23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I was told originally by my local XXXX to mail in paperwork related to my car 's title to get my plates updated for my vehicle as I moved states. I mailed in the paperwork back in XX/XX/XXXX to Bridgecrest, which they claimed for weeks they did not receive, but kept advising me to " keep calling in to check. '' They then recommended I email in the document since that was " much faster, '' with a total processing time of eight ( 8 ) weeks. I emailed my documentation on XX/XX/XXXX and still have not been able to get updated plates for my vehicle. I called into the company 10+ times to get this resolved, trying to understand the issue. Every few phone calls I received a different answer, either from the customer service representative or the " XXXX account resolution team, '' telling me the paperwork was still getting processed by the XXXX XXXX ( who did not take phone calls, so could only be reach by IM or message by various other teams reportedly ) or that someone created the wrong case which was routed incorrectly. Each time, Bridgecrest kept telling me that I had to keep calling in for updates, now way past the eight ( 8 ) week processing time and still without my updated plates. The last update I received was XX/XX/XXXX, as the title received was printed but incorrectly routed, therefore it was taking more time. I asked the representative if they had an estimated time frame for the resolution which they claimed they messaged the mysterious Title Team but after our call, once they receive a response, they would update my account for me so the next time I called in, there would be an XXXX listed. Again, I was told to keep calling back for updates and when I called XX/XX/XXXX, there were no updates and no XXXX listed on the account. on XX/XX/XXXX, they emailed me a sparsely worded letter to potentially bring to the XXXX, where they state they have " requested the XXXX title from their XXXX XXXX and should receive it in XXXX weeks. Once they receive the paper title, they will overnight to the address provided by the customer. '' It has been well over a month since then, still no update and how/why this took since the beginning of XX/XX/XXXX to complete is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some items that I proved was fraudulent and the credit bureau removed the items and put them back on my report after 30 days. My rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Trans Union to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
Trans Union XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX  to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Equifax ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of
Product: Vehicle loan or lease

This is my second complaint again CarMax Auto Finance. I sent them an affidavit of truth on Friday XXXX XXXX with 5 Federal violations according to the Fair Debt Collection Practice Act 15USC1692 against me the consumer. They responded by saying with the contract that I signed and my payment history. According to CarMax Auto Finance, my contract is a legal document which makes my debt valid. I also asked for a letter stating who the original creditor is and they havent sent yet. I have written them another affidavit of truth with 11 federal violations acceding to the Fair Debt Collection Practice Act. Along with a new invoice for all the new violations and a copy of my old invoice.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

MCA Management ( XXXX XXXX XXXX  XXXX, XXXX  XXXX MO XXXX ) has an incorrect collection on my XXXX  credit report. I was never contacted by MCA, I've never talked to MCA about this {$750.00}.
Product: Student loan

I attend XXXX XXXX from XXXX to XXXX as you many know they recently went bankrupt do to frauding students. While I was there I took out a private student loan. It was through AES American Education Services. My issue is why am I having to pay this back since I had to prove I was a student in order to get this loan and the school was do what they did to students. 
I am XXXX years old and i am my sole supporter. I will be close to XXXX when this loan is paid. They have worked things out in the past such as forbearance, delayed payments etc. Well I have used all those options. Well last year they did give a 90 period where I did not have to make payments I got caught up however I am 3 months behind again. I have called them and asked for help nothing. I was told the loan was held by National Co ligate Trust. They would not give me their contact nothing at all. I can not do anything in my life because of this. It is a burden on my cosigner as well. They will not release my cosigner. I am having to choose between paying my electric putting food on my table, or even gas to get to work. This has also effected me mentally. I have proof of this i am seeing a consular.I am getting nowhere. My life is pretty much over. no travel for me no buying new clothes, no buying extra food, or even taking someone out on a date. I am pleading for help. I am exploring everything. I want my money back this is pathetic they are getting away with this. My state attorney general wont even help.
Product: Debt collection

Says I owe {$1100.00} for a XXXX XXXX mobile home park but I dont know where this came from and from the look of things they have the wrong year for my date of birth and it keeps disappearing on my credit and popping back up.
Product: Money transfer, virtual currency, or money service

My complaint deals with a money services issue at Truist Bank. I have had a safety deposit box at their local branch for the last two years, previously I had a box at their predecessor, BB & T Bank. My annual charge for this box was {$75.00}. Last week I got a letter in the mail advising me that as of XXXX XXXX, my anniversary date, this box will now cost me {$120.00} per year. I went to the bank to complain about this large increase, but was told there was nothing they can do about it. According to them these new charges take effect in XXXX for all safety deposit box customers. I feel this increase is usury, an increase of 67 % which is unconscionable. I told the Truist people that they are in no way consumer friendly, and are just a money grubbing company that will take whatever money they can from their customers. Safety deposit boxes have little or no overhead associated with them, so why the vast increase in cost? What has changed? Nothing the bank will still provide the same service they always have and at no additional cost to them. I can understand an increase of {$5.00} or {$10.00}, but a {$50.00} increase is ridiculous. When you think of an organization as large as Truist and the hundreds or thousands of branches they have, with each branch likely having hundreds of safety deposit boxes, the money they will gain from say a {$50.00} increase to each box customer will most likely be a XXXX or several XXXX dollars. All they are doing is increasing their corporate profits by greatly and unfairly overcharging many of their customers. Truist should be investigated and told that they can not pass such a large increase on to their customers.
Product: Student loan

XXXX has taken over the loan management after I enrolled in the PSLF program. Since enrollment the customer service has been incompetent and inconsistent. I enrolled in a part-time masters program and they loans were placed in deferment. I have been attempting to remove the deferment for 4 months. Each person I talk to gives me different instructions on how to do this. I uploaded the requested paperwork to remove the deferment. I received a mailed letter stating the deferment was removed, but then 2 weeks later received an email that the deferment was back in place. I want to continue paying my loans on schedule but the servicer is preventing me from doing this. The wait times are usually very long on the phone. I have attempted to use online contact channels as instructed but never receive a response.
Product: Debt collection

On XXXX XXXX after reviewing my credit reports, I discovered a collection account with Firstsource Advantage LLC.I wrote a letter to the company requesting verification and validation of the debt. I further requested proof of their contract to substantiate the claim which entities them to enforce it. I further requested a certified copy of an original contract with my wet signature. 
I also noted that I could not locate an documentation of any contractual relationship between FirstSource and XXXX XXXX  which would entitle them to enforce a commercial claim, On XX/XX/2023 I received a debt collection letter and several collection calls, but no proof of contract that gives them the authorization to pursue this debt, not a contract from me.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Mortgage

I took out a mortgage loan with the promise of having a low monthly payment and low interest rate as advertised. However, the monthly payment and apr were not the amount as promised but the contrary, they were monthly payments that I was not able to afford. The bank started a foreclosure action against my property in   XXXX    . I tried to do a loan modification in several occasions but the bank denied me without an in-depth explanation. I was a victim of the subprime mortgage crisis ; I am  XXXX   XXXX   XXXX  woman who wants to pay her mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights and Federal Law have been violated.
Product: Credit card

I purchased an item in XXXX from a vendor in the XXXX. This vendor knew we lived in Alaska and charged shipping at the time of purchase. Turns out that in XXXX when finally ready to ship the product they dumped it off with a shipping company and never checked back up on it until I continued to follow up. Turns out they could not figure out how to ship it and a shipper that we mentioned shipped to Alaska was almost quadruple the price they charged us for shipping. I opened up a dispute with both paypal and my credit card company Citibank Costco Visa in XXXX. Once the vendor knew there was a dispute open he tried to salvage the transaction by telling us he was going to re-collect the item and box it according to USPS standards to send it XXXX. He asked if I could close the dispute in order to submit an invoice for the extra {$200.00} in shipping that it would cost us to go this route. I then closed the dispute with paypal and my Citibank Visa. I have not received the product. I as not invoiced for any additional {$200.00} because it appears the vendor can not ship the item. I am not able to re-open a dispute with paypal or my Citibank Visa. I do not think that is right because if a customer does not receive a product, they should be eligible for refund despite the original transaction happening in XXXX and despite closing the dispute in XXXX 2016. A vendor can and will lie in order to hang on to a person 's money. However, a good credit card company should protect their patron regardless when a product is not received. This product was not and will not be received.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistake as i assume it has to be. I have not been able to get help for digital wallet withdrawal from them but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used paypal quite frequently. My email linked to my Paypal is XXXX XXXX
Product: Credit card or prepaid card

I had a technical issue with the citi.com website that prevented me from being able to make a payment on time in XX/XX/XXXX. It happened again in XXXX, and I was charged a late fee. When I complained I was told I had been given a break in XXXX, and thus the late fee couldn't be forgiven. I argued that no way should I be held liable for a late fee when it was their website that was the issues, and I sent screenshots to prove it. I escalated the issue, got nowhere, so I found the CEO of Citi 's email and emailed her. ( XXXX XXXX ). Within a day her executive response team reached out, I explained the issue and the late fees were credited back to me. A few weeks later I lost my card, and when I called to have a new one sent I was told that was impossible as my account was being closed by Citi. They claimed it was due to a periodic review of creditworthiness. Now, interestingly, from the time I opened the account I had bought a {$260000.00} house, changed jobs to where I am making 3 times more since opening the account, and my credit score had climbed quite a large bit. I complained to XXXX again, and was told tough, go away, though I am still convinced it was retribution. When pressed for when and how I'd be notified of the official end of the account, I was told I'd be sent a letter. As of today, no letter has been sent. XX/XX/XXXX. I just checked my credit report and it states my Citi card was closed on XX/XX/XXXX by the grantor. However, this entire time my online portal shows it is active and I have available credit .... Today I called Citi, and suddenly they said they could reactivate my account with no issues. Supposedly a new card will be sent to me within a few business days.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

I never owned this debt and I never signed an agreement or gave any documentation to even start a contract with them. I asked for supporting documents they refuse to show. This debt is not mine. I requested Proof of ID, Residency, Handwritten Signature & Supporting Documents To Prove This Debt Is Mine
Product: Student loan

My student loan is with  Navient w ho is Ina major lawsuit for scamming their customers. I feel as if they have cheated me on interest and hides fees. They ruined my credit and put me on deferment and other things that I did not ask for it just seems like I am never paying them off after I make my payments it just seems like it does n't make a difference. I think they are doing the same thing to me that they are doing to other students. I would like to see if I can get a student loan forgiveness. Because this is just getting ridiculous.
Product: Debt collection

**Subject : Urgent Notice of Dispute** To Whom It May Concern, I am disputing the inaccurate closed accounts and charge-offs reported by Radius Global Solutions LLC XXXX This data is incorrect and violates several laws : 1. **Privacy Violation** ( 15 U.S. Code 1681a ( 4 ) ) : Reporting my private information without consent is illegal.

2. **FDCPA Violations** : - **False Reporting** ( 15 U.S. Code 1692e ) : Misleading information suggesting I owe debts I didnt incur.

- **Unfair Practices** ( 15 U.S. Code 1692f ) : Deceptive reporting of positive balances while claiming I owe money.

3. **FCRA Violations** : - **Accuracy** ( 15 U.S. Code 1681s-2 ) : Unvalidated and incorrect information.

- **Permissible Purposes** ( 15 U.S. Code 1681b ) : No consent for reporting.

**Immediate Action Required** : Remove all fraudulent entries from my report. Send copies of the documents used for verification. Under FCRA 605B, this must be done within 4 days.

Failure to act will result in legal action. The matter is under FTC and CFPB investigation. 

Address this immediately. 

Sincerely, Radius Global Solutions LLC XXXX XXXX XXXX XXXX, MN XXXX Account # XXXX
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX we placed an order with XXXX XXXX for a couch with a total financed amount of {$3100.00} through Affirm. XXXX XXXX failed to deliver the product and in XXXX of XXXX we were granted a refund that was issued back to Affirm. During that time, we made monthly payments to Affirm in the amount of {$260.00} in XXXX, XXXX, XXXX, and XXXX for a total payment of {$1000.00}. 

Affirm granted us a refund of our payments on XX/XX/XXXX for {$840.00}. 

Upon researching the discrepancy, we were informed that Affirm does not refund interest payments as a policy. Seeing as how we never received the items ordered and that Affirm received a full refund from XXXX XXXX, I feel that it is unjustified that they retain our interest payment as we should be entitled to the full amount that we paid. 

I am curious about the legality of withholding interest on refunds for products that were never received.
Product: Money transfer, virtual currency, or money service

PayPal - will not refund me for an order that was not delivered. The " carrier '' they told me to reach out to, to get " proof '' that my order was not delivered does not have a phone number in English nor a way to contact anyone in the United States. 

Order was placed on XX/XX/XXXX  to a company called XXXX. The amount was {$79.00}. The order never arrived and PayPal is refusing the refund the money.