23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I received a credit monitoring alert that my account with Kia Motors Finance was reporting a repossession and the account was closed. However, I was making on time monthly payments, the car was not repossessed, and I never received communication from KMF that my account was closed. My payments were made directly from my bank account, so it wasnt until this time that I discovered KMF was not generating any monthly statements for my account. In XXXX and XXXX, I called KMFs customer service to determine what was happening to my account and to ensure my payments were being correctly reflected on my account. In XXXX, I filed an internal dispute about the credit reporting and was also assured that I would begin to receive monthly statements. After waiting a month, I still was not getting a monthly statement and my account was re-reported a closed/repossessed. In XXXX and XXXX, I emailed two of XXXX XXXX executives with the above information, asking for immediate clarification and correct reporting. A few days later in XXXX, I received a call from someone in the corporate office offering to help me. She was able to finally get statements reporting starting in XXXX, but I am still dealing with inaccurate credit reporting. Between XXXX and now, I will get an alert the account is reporting as repossess/closed. I will eventually get Kia to report it as open, and then the next month it will go back to reporting as closed on at least on CRA report. The most recent incident occurred with my XXXX report on XXXX XXXX. I should not have to spend hours on the phone to ensure accurate monthly reporting on my account.
Product: Credit reporting or other personal consumer reports

This account was opened XX/XX/XXXX closed XX/XX/XXXX & reopen XX/XX/XXXX. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof. Too different names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thats inaccurate please removed this account from XXXX & equifax
Product: Mortgage

My complaint is against : Mortgage Loan Officer : XXXX XXXX XXXX : NEW AMERICAN FUNDING Over 2 weeks ago, onn XXXX I submitted my : -Loan application -ALL requested documents -Signed and Submitted all required disclosures statements and I have not received ANY response or communication from this lender by email, mail, phone, text, or fax or any other form of communication. 

Everything is documented. Please let me know you would liked me to furnish any documentation, emails, screen shots. 

Please advise is there is a regulation to protect consumers from lenders collecting financially sensitive information and not providing the consumer with a response within a reasonable time-frame. I am appreciative of any assistance you can provide. 

I am very concerned about submitting ALL of my personal financial information and not receiving any sort of response after waiting 20 days. I believe it is necessary to report this incident to prevent it happening to anyone else. 

Thank you very much for your time and review of this matter. Please feel free to contact me with any questions. 

Thank you,
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below GEMINIXXXX XXXXXXXX
Product: Credit reporting

I had some inquiries fall off but were reinserted and I never recieved a 5 day violation which is a FCRA violation. I have contacted Transunion and they have given me no resolution. The inquiries are as follows. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX
Product: Mortgage

I have been trying to getting a modification with my lender ( Nation Star ) and all attempts has been unsuccessful. Recently, my house was listed for sale on XXXX/XXXX/15 and the judge postpone the sale and currently there is another sale date scheduled for XXXX/XXXX/15 and all documentations has been submitted to show verifications of an affordable mortgage. Currently, my husband has obtained a permanent position with his employer and this even makes affordability much better for the long term since it was due to husband being per diem with his current job. On a daily basis, there are constantly people who visit my property in the day while my XXXX children are home taking pictures, surveying the property, this is very terrifying when my daughter is constantly calling me sayings things like " Mom, they are looking around the house again or saying " Mom, someone is in the driveway again ''. I have to constantly reassure here not to worry herself. I have XXXX school aged children and I am pleading with you to help me save my home as Nation Star keeps denying my request.
Product: Consumer Loan

I opened an account with Motor Max Financial in XX/XX/XXXX and made all on time payments. The week of XX/XX/XXXX, I was quoted a payoff and mailed a check for the full amount of {$2600.00}. I spoke to XXXX at Motor Max and was let her know I was sending it certified and that it would make it there on XX/XX/XXXX or XX/XX/XXXX. XXXX XXXX signed for it on XX/XX/XXXX. Today, XX/XX/XXXX he had an agent call me and state that since he did n't receive it on XXXX at the close of business, I had to pay an additional {$120.00}. Motor Max financial was CLOSED on XX/XX/XXXX. I was also told that if I did n't pay the {$120.00}, the cashier 's check would be applied to future payments since Motor Max uses the rule of XXXX and does n't accept payments just for principal. I want Motor Max to refund my {$120.00}. XXXX XXXX is rude and uses deceptive business practices to squeeze more money out of consumers. Motor Max and XXXX are a horrible company for consumers. Despite paying more than {$2400.00} towards a {$3200.00} loan, they had only applied less than {$600.00} to the principal in a whole year. XXXX XXXX does not follow what his agent XXXX told me and refused to accept my payment without an additional {$120.00} - an amount that he made up to get more money for two days. I want my {$120.00} BACK!
Product: Credit reporting or other personal consumer reports

The company CREDIT ACCEPTANCE CORPORP CREDIT DISPUTE DEPT XXXX, MI XXXX started in XXXX they stated we were late on payment well they actually changed due dates to make us show late twice. I tried to correct in XXXX when made aware of the issue. They said it is what it is. I had the issue again in XXXX I then decided to change lenders. The practices of Credit acceptance corp are not good or moral. I have had several attempts with credit companies to have false information removed. I noticed they had a suit filed for illegal practices with XXXX which is where we obtained the vehicle loan. I am just trying to remove false information from my credit reports which has held me back for 6 yrs now. Why is this so hard. Angry and frustrated.
Product: Credit card

When I reviewed the interest I was paying on my credit cards, I thought it was really high. When I looked into it further, I saw I was being charged XXXX interest rates : one for purchases and a higher one ( 25.40 % ) for cash advances. The balance subject to the cash advance interest rate was very high : {$830.00}! I knew I had n't taken that much cash out as a cash advance. When I called Capital One to find out how they calculated this figure, the rep researched the cash advances I had taken over the years and found {$380.00}. The rest is all interest! This is robbery! Credit card companies should have a cap on the amount of interest they are able to add to customers ' account. Accrued interest caused my {$380.00} to turn into $ XXXX and I 've been paying the card every month for years.
Product: Checking or savings account

For about 20 years I have had 2 checking accts and 1 savings acct with Citibank. I am a gold card customer for the last 15 years. I currently have a combined balance of over {$71000.00} in those 3 accts. During this time period my combined cash balance has been as high a {$300000.00}. I retired in XX/XX/2014 and my wife and I moved to the XXXX, but I have always kept a California address on record with Citibank. A review of my online citi profile shows my XXXX, California address. My current Soc. Security monthly payment covers only about 2/3 of our living expenses so each month I need to withdraw about 1/3 of our living costs from my Citi Sav. Acct. I do not have an I-phone. I only have a standard domestic ( XXXX only ) cell phone. If I have to actually place a long distance call to USA, it takes me about 1.5 hours to go into town, get a special phone card load, return home and place the call. 
In late XXXX or early XXXX this year I had to go online and ask Citi 's CHAT ROOM employee to help me " activate '' the new Debit Card Citi had sent to my XXXX address. I was treated very properly. I gave the Chat person a very good rating in the after service review. A few days later, I had to use the CHAT service again. I got XXXX and later XXXX  on CHAT. They treated me like i was a piece of XXXX during the CHaT call and I gave them a very poor after service rating. 
Shortly thereafter, someone put a block on all my citi accts, and I have since been unable to go online to get my money. 
I have gone to great inconvience and cost to call Citi twice ( most recently on XXXX ) to get the block removed, but they refuse to do so. I have tried the CHAt service several time to remove the block but they refuse. When I call XXXX miles to Citi in USA, they tell me my identify information does not match their file info so they refuse to help. The CHAT person keeps telling me to again call the USA phone number. I have explained to the CHAT people and to the USA citi people that I am going broke. Without the additional 1/3 living expense money, I can not pay my rent, nor buy food, or have the XXXX I need. 
They intentionally pass me back and forth between CHAT and USA people. This hiding of my money ( denying me access ) has caused me such stress that I need to see my doctor for my XXXX XXXX. This is now the second month that they have denied me access to my funds. And I can not use either of my Citi credit cards because citi cancelled them in XXXX, w/o notice, claiming that I do not have a USA address. I need the recommended XXXX but the hospital /doctor will not schedule it without advance payment, which I can not get because my accts are blocked. I am XXXX years old. I want and need access to my funds, not excuses that they can not verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company on XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : XXXX XXXX XXXX  XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX I am attaching all the documents I sent to them earlier for your reference
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts still reporting on my credit file that doesnt suppose to be there. I disputed prior and didnt receive information I requested. I would like the followed accounts disputed and removed immediately. After disputing please send me the source and the method of verification showing the date and time the account was verified. Also include contact information on the source of verification for the following accounts : XXXX account was suppose to removed XXXX agreed that this account would be removed due to it being inaccurate XXXX XXXX inaccurate account, account was suppose to be removed last year for inaccuracies XXXX XXXX - there were unauthorized charges in this account and XXXX was XXXX of it and a police report was sent. All of this happened prior to XXXX buying this account in 2022. XXXX never verified that they owned this account either. Please remove this account immediately.
Product: Mortgage

Select Portfolio Servicing took over my loan in XXXX, XXXX, but boarded the loan incorrectly. After about 4 months of phone calls, and with the CFPB 's help, they finally got the loan re-boarded, but did not initially pick up the insurance payment portion of their responsibility ( only the tax side ). When my insurance company notified me that the insurance was about to lapse, I called SPS to find out why they had not paid. They indicated that they were unaware of the insurance obligation, so I told them I would pay directly. They told me to provide them with evidence of my payment, which I did. Within a couple of days, they issued another payment to XXXX in the amount of {$29000.00}, despite our agreement that they would not. They told me to call XXXX to tell them to refuse the payment. XXXX said that they had not yet received the payment. I have been trying ever since to get my {$29000.00} back. I have spent many hours on the phone with SPS, and in our last conversation, they told me to call XXXX to get my refund. Today, XXXX told me that they did finally get the payment, but a stop-pay was issued on the check. I call SPS back to let them know, and after XXXX different rep 's they finally acknowledged that they did stop payment at which point I asked them where my {$29000.00} was. They transferred me to the insurance department, but the call was dropped in the process. I called back and another rep told me she think 's I'm owed money, but to check back in a week. I've had enough. SPS has dropped the ball on this loan in so many ways, and I probably have XXXX hours of phone calls invested over 8 months between the errors boarding my loan to present. I need help.
Product: Credit reporting or other personal consumer reports

Reviewed my credit report on XX/XX/XXXXXXXX  and noticed inquiries that were not authorized by me and addresses as well, that I have not ever resided at. Please see the attached FTC report with all inquiries and addresses. 
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 Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX : XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Sincerely Yours XXXX XXXX XXXX
Product: Student loan

I have been part of the XXXX program for over a decade and on XX/XX/XXXX I received loan forgiveness. Under the waiver program announced on XX/XX/XXXX by President Biden I have made additional qualifying payments in total 144 in a program at required 120 payments. I talked with Fedloans, my servicer and the Department of Education directly. 
My initial call to Fedloans regarding the refund was on XX/XX/XXXX with - XXXX  ( employee ID XXXX ) where she informed me that refunds take 2 weeks to 2 months from the department of education. She told me to contact the DOE directly and gave me their number. On XX/XX/XXXX I contacted the DOE and spoke with XXXX XXXX case number - XXXX ) where she told me that the DOE does not process refunds but the XXXX department within Fedloans would process it. On XX/XX/XXXX I called Fedloans again and spoke with a supervisor XXXX ( employee ID XXXX ) who assured me that the repeat employment verification form that I submitted on XX/XX/XXXX needed to be processed and then the refund would be issued. He again stated that refund windows are 2 weeks - 2 months. I called twice after that on XX/XX/XXXX and XX/XX/XXXX was told my refund was still in process. I called again on XX/XX/XXXX, after the 2 month process window from the original call request and was told by XXXX ( employee ID XXXX ) that the repeat employment verification form was denied and that there is no refund because my forgiveness effective date was XX/XX/XXXX. This was despite acknowledging that my loans were not forgiven until XX/XX/XXXX well after the waiver had been introduced. I would refunded for the 24 additional months of payments that I made under XXXX. Many of those months occurred during the COVID forbearance but XXXX I made payments totaling {$9400.00} that I would like refunded immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my car off on XXXX XXXX, 2017 with XXXX XXXX XXXX. 
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}. 
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days. 
Somebody please help me im at my wit 's end. 
Someone please do something!!!!
Product: Debt collection

company threatens my obligation to resolve this debt. states they are the legal owners of the account and are entitled to payment. Dont know this company i have never contracted with them at all.
Product: Checking or savings account

I applied for a loan and then the next day fraudlent checks were deposited into my account 3 days in a row. When I noticed this on the second I called the bank to tell them it wasn't mine. Then I saw XXXX  deductions that wasn't mine. I called the bank on the third day and asked them to block anything from going in and out of my account because I didn ; t want any more checks deposited into my account. I asked them where the checks were comeing from, they wouldn't give me a clear answer just that they were done electronically. By the way I did lose my phone on Sat while in NJ on XXXX. that could have cause the XXXX XXXX  stuff idk. But I have been talking to Wells Fargo Fraud, Dept, Lost prevention, Checks dept and others I can't rember. I have been calling everyday a few times a day. They told me that I would receive my funds in 2 days but its now Saturday and I still don't have any money. I even borrowed {$1500.00} from my boss to pay my bills until my funds were released. But when I deposited it they wouldn't let me use that money either. I can't pay XXXX bills and now my rent and car payment has late fees. I'm about to lose my auto insurance. I just need my money. I am the one who requested the block on my account. Oh and they also told me that my account is set to close on XX/XX/XXXX. I went to the bank on XX/XX/XXXX to close my account myself and retrieve my money. But they are just holding my money hostage. I need my money. How can I go all month with No money and no bills paid. I been with Wells Fargo about 15 years and this is the XXXX or XXXX time I had fraudlent activity. Last yearor the year before I found out that someone opened another account in my name, but used a different address, social, dob phone number, etc. How could they not know ithat was not me? None of my info matched except my name. They told me that my information is secure and they will take care of it. but obviously not becaus now this happened.Please help me get my money out of my accounts and close my checking and savings accounts. Thank you
Product: Student loan

My issues with MOHELA and their shady practices are long-standing. Ive been trying to get my XXXX counts updated for the last XXXX XXXX. Ive done my best to give them grace but the game has changed now that Im attempting to get pre-approved for mortgage. I emailed and called customer service monthly through the entirety of XXXX but was never able to get a resolution. Ive made multiple reconsideration requests and a request for buyback and never got a response. The only time I have a chance is by calling their customer service, where an agent gives an excuse about bureaucratic red tape. This is what happened that escalated this situation for me : 1-try to get pre-approved for mortgage 2-credit report comes back with errors that portray me as a less than desirable candidate because student loans from MOHELA and debts were duplicated on my credit report ( should be 7, not 12 ). MOHELA also reports incorrect information about the life of the loan. 
3-Call MOHELA and after being on hold for an hour, I spent another hour on the phone with customer service. I explain that all the info about my loans ( loan terms, projected payments ) are incorrect on my credit report, along with failure to progress on my previous issues with qualifying for XXXX and being forced into an administrative forbearance and the impact on XXXX.The agent said she submitted forms to all 3 credit bureaus to correct the error but should couldnt provide me with any confirmation that was actually done. The Agent also tells me I might start making repayments in XX/XX/XXXX, but even that is tentative.