23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First I would like to leave clear that due to the impact of Covid-19 I lost my job and I have not been able to find a job while my husband hardly gets his hours for a part time job to work on his new job and the fact that our kids are taking school at home does not help even though we are getting help from local churches, food banks and even family members, our situation is still hard at this time as we both are slowly sinking into debt. 

The problem that I have with Midland funding is that I owe them the amount of {$710.00} which might seem like something small and easy to pay for the average person but the thing is that at this moment we can not pay the full amount due to our circumstances that we are going through and we are not sure if we are going to be able to pay it later on because like I said we are slowly sinking more and more into debt due to that we can not follow up with the bills even though we have already tried to reduce our expenses as much as we could. 

Me and some close friends that have been on this kind of situation have had a discount of more than 50 % but for some reason when my husband called Midland to see if they could help me somehow making me a discount for what we are going trough they just thought that it was ridiculous that we would think that we could get an offer under 50 % and they gave us the offer of 95 % in payments even though my husband had already explained her that he only had {$300.00} and was not sure if he could follow up with the payments because of our income and that we are slowly sinking into debt. 

We felt like we where taken as a joke and they did not care about of our situation at all as I heard on the call. For a moment there I was put on hold but the representative did not mute herself and I heard her to talking to someone else in what seemed to be her laughing at my hardship or my inability to pay. Im not sure if thats what she said but thats what it seemed like as she thought I was on hold.
Product: Credit card or prepaid card

Tried on several occasions to resolve these accounts that were fraudulently opened and do not belong to me. I have sent validation letters and have received no proofs, original contracts, or signatures stating I am legally responsible and liable for the debts associated with these accounts that were opened fraudulently and illegally. 

Again, I have made several attempts to contest the validity of this information and this has yet to be resolved. 

My next step is legal action if these fraudulent accounts are not removed from credit profile within 15 days.
Product: Debt collection

I was almost to the end of my payment on the car loan, wells Fargo took the car, the reason for some of the late payments was i had a XXXX babies with in the last 4 years, so i was unable to pay on time.I did pay the car loan off completely, because of my late payments it looks like i am now starting new credit even though i paid up most my credit debt.I have credit for longer then 2-3 months.
Product: Credit card or prepaid card

I received a {$100.00} visa gift card  as a gift around late XX/XX/XXXX. A week after receiving it, I tried using the gift card for the first time for an online purchase, and it was declined due to insufficient funds. I checked the balance and notice an unauthorized transaction that was done at XXXXXXXX XXXX central time. As soon as I discovered this fraudulent charge, I filed a claim with vanilla gift card company, also known as Incomm, to dispute on XX/XX/XXXX. I was told verbally and in written form that would take 45-90 days to resolve the dispute. It is now XX/XX/XXXX, and I waited my 90 days, but have not heard from the card company. I called the card company for an update, and the representative at the time told me he would escalate my claim and that I should hear back within 24-48 hours. I did not receive a response within that 24-48 hours, so I called customer support again. During this second callback, I was told there was an issue with my dispute, and I would have to open a new claim and start the 90 days process again. The customer service representative did not give me a clear reason as to why my dispute is invalid. I asked to speak to a supervisor to which the representative put me on hold and never got back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : # XXXX XXXX, XXXX : # XXXX XXXX XXXXXXXX # 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 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have been requesting proof showing where I have obtain this loan. This information had been on my credit for a long time I believe it was an ex who used my information at the time. Stolen Identity.. 
Apparently I have been requesting documents they refuse to provide me with any documentation but still validating that debt on my credit report
Product: Credit reporting or other personal consumer reports

There is an account listed on my credit report as " syncb/PPC '' that shows it was opened in XX/XX/XXXX and closed XX/XX/XXXX. it says that it was charged off and that the company holding the debt can be reached at the phone number : ( XXXX ) XXXX I have contacted synrchony Bank directly as well as the phone number listed on my credit report. Neither have any record of my information or this debt owed. I have given them all of my information, spoken to more than 10 representatives over the course of 2 weeks. I have received no help, and no one has been able to verify this information, what this account is, or tell me why its on my credit report.

This is a violation of my rights under the fair credit reporting act.
Product: Checking or savings account

Several months ago I opened a checking account with Citizens Bank based on a promotion in which I was to have direct deposits of a certain amount and would receive a cash bonus. I did receive the bonus. More recently I received an unsolicited email from Citizens Bank encouraging me to open a savings account. The headline and illustration showed three monthly deposits of at least {$25.00} would give me a bonus of {$25.00}. I received the promotional email on or about XX/XX/2022 and immediately opened the account and had a direct deposit of {$25.00} and set up a program wherein two additional deposits would be sent on the same day of the month to fulfill the requirement. Indeed I made three ( 3 ) monthly deposits of {$25.00} each for a total of {$75.00}. Citizens refused to grant me the {$25.00} bonus because I was apparently supposed to wait until XX/XX/2022 to make the deposits. 

Offer states it begins on XX/XX/2022. I did as requested and deserve the {$25.00}. 

Citizens personnel cut me off when I called, argued with me after I called back and gave me no relief.
Product: Mortgage

To whom it may concern, We signed an agreement to refinance with Rocket Mortgage and dealt with XXXX to have a refinance with taxes and insurance part of the payment. I found out via phone call from my insurance agent that I have had for over a decade, that my insurance was not paid and I had 30 minutes to find out what happened and why. It took me 20 minutes with the people you have as associates and long automated phone system you have to discover it was left out of the package as I request. I was quiet upset and was not very pleasant to the associates and she threaten to hang up be cause I stated, It was not me that XXXX up! I informed her that I will find a competent company with professionalism to take my business. 

I should not be dealing with this! I will give you all the advertisement via social media that you deserve. I will also find an reputable and competent company to deal with.
Product: Student loan

I graduated from XXXX XXXX College with around {$70000.00} in private student loans from SallieMae with a very high interest and around {$30000.00} in federal student loans. I was hired right away as a XXXX with a salary of {$36000.00} a year. My total payments a month are {$760.00} for my private loan and {$160.00} for federal loan with a total monthly payment of {$920.00}. My monthly income is {$2000.00}. Which means just about 50 % of my income is going to my student loans. I am unable to live off of the remaining money. I have tried to refinance ; however, they say that I can not because of my debt to income ratio is too high. I am stuck with this huge student debt that I am not able to pay and live.
Product: Mortgage

I have a fixed rate, 30 year mortgage on my house. This loan was previously with XXXX XXXX but was sold to Freedom Mortgage a year or more ago ( not sure about when, exactly ). For various reasons, I like to make my mortgage payments ahead of time. There are good tax reasons for doing this, budgeting reasons, and I believe I even save a little bit of money when I make payments ahead of time. Freedom Mortgage will not allow me to do so. The only reason they'll give me is " It's not due yet. '' My next payment is due XX/XX/2020 and I've made several attempts to make that payment online ( which is how I make all my payments ), but their site will only let me make an additional principal-only payment, and not the regular payment due XXXX. In the past, when I've sent a check via U.S. mail before the due date, despite my including the bill and having the payment be the exact amount, to the penny, of the regular monthly payment due, the total amount of my check has been applied to principal which has meant I've had to call and get things straightened out and applied to an upcoming due date. With difficulty ( it sometimes takes two weeks for them to correctly credit my account ). 

For my own budgeting reasons ( and sometimes tax purposes ), I would like to be able to make my payments early. I can not see any reason that I should not be allowed to do this. My guess is Freedom Mortgage doesn't want to lose a penny of interest because I've paid early and avoided a few days or weeks of accumulating interest. When this loan was held by XXXX XXXX I often paid six to eight months ahead without a problem ( so I assume it's not against any law to pay early ). 

Can you help with this? 

Thank you, XXXX XXXX
Product: Debt collection

" Portfolio Recovery Associates '' is making multiple daily calls to my residence daily. ( XXXX ) I have spoken them and requested they cease these calls. 

They have ignored my requests. Please help. 

Each time the call is from a different number but the Caller ID is " PORTFOLIORECOV '' Thank you, XXXX XXXX XXXX, PA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Bureau has allowed a collection agency to report erroneous negative information on my personal credit reports. 

XXXX lists a collection in the amount of {$100.00} from CCS Collections from XX/XX/2021 I was NEVER contacted by this collection agency to be given an opportunity to validate this and it has simply appeared on my reports. How does XXXX allow this to happen?? I demand to know. 

Again, I have NEVER received ANYTHING from CCS COLLECTIONS or XXXX in regards to this matter. No verification or validation has been done by either of them. 

This is in direct violation of the FCRA and this collection MUST be removed immediately. 

Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Defamation Negligent Enablement of Identity Fraud P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked all 3 credit bureaus to remove a non-bankruptcy derogatory report that is older than 7 years from my credit report. Experian claims that only the reporting entity can remove it, and that I need to contact that entity directly, which I know is false. 

However, I have attempted to do so - the entity was XXXX, but since I do not have the old account XXXX  available, I can not get through their voice system to access a human to try to have them remove the information.
Product: Credit card or prepaid card

Bank of America is in clear violation of Reg Z 1026.5 General disclosure requirements. On at least 5 occasions, BAC has failed to produce an accurate monthly statement which clearly reflects the balances subject to finance charges due to the fact that for each rate the balance is either XXXX or the field is blank when in fact I do have a balance subject to a specific interest rate. Furthermore, they are assessing interest charges on said balances. I have tried multiple times to raise this with the bank and the reps do not understand Reg Z requirement nor are the at aware of the disclosure on the bank of the statement which clearly outlines what each section of the statement means and it is required to reflect the details of the loan. 

If requested, I would be happy to provide a copy of a statement.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX XXXXnd 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 reported to be removed/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
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach and request the immediate blocking and deletion of all accounts associated with my personal information. 
Specically, I am requesting the removal of the following fraudulent accounts from my credit report : 1. Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Type : Education Responsibility : Individual Date Opened : XX/XX/XXXX Balance : {$4000.00} Status : Open ( updated XX/XX/XXXX ) 2. Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Type : Education Date Opened : XX/XX/XXXX Balance : {$4100.00} Status : Open ( updated XX/XX/XXXX ) 3. Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Type : Education Responsibility : Individual Date Opened : XX/XX/XXXX Balance : {$2500.00} 4. Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Type : Education Responsibility : Individual Date Opened : XX/XX/XXXX Balance : {$5300.00} Status : Open ( updated XX/XX/XXXX ) In accordance with 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts, along with any related fraudulent information, be blocked and deleted from my credit report. These accounts were opened without my consent, and I am exercising my right to have them removed from my records. 
Please take immediate action to block the above accounts and any related inquiries from my credit report. Additionally, kindly provide written conrmation that these actions have been completed. Should you require any further documentation or verication, please let me know, and I will provide it promptly. 
I expect to receive written conrmation from XXXX that these actions have been completed within the time frame outlined by the FCRA. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX Date of Birth : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Our loan has been on forbearance since the beginning of the COVID-19 pandemic. 
During that time, XXXX XXXX XXXX XXXX mistakenly reported us as over 30 days delinquent on three different occasions. From when I understand, they have removed it but it still caused a hit to our credit score and was a waste of time.

We have since paid off the loan and hope to have it closed shortly. 

My purpose for submitting this is not for a resolution but to document that XXXX XXXX XXXX XXXX is incorrectly reporting delinquencies while on forbearance. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a vehicle financed with GM Financial but I got several inquiries from GM Financial in my credit report and I authorized to have my credit pulled one time only. 
Please see the following hard pulls and credit inquiries in my credit report : XXXX XXXX  XXXX XXXX ) - XX/XX/XXXX GM FINANCIAL ( Finance ) - XX/XX/XXXX GMFINANCIAL ( Finance ) - XX/XX/XXXX GM FINANCIAL ( Finance ) - XX/XX/XXXX GM FINANCIAL ( Finance ) - XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX, I contacted collection agency IC System Inc., in XXXX XXXX, MN at ( XXXX ) XXXX in reference to a medical collection account for {$55.00} that was not mine, that they had reported to XXXX. I was told by a male representative that the account was in a different department and he immediately transferred me. A female representative rudely answered the phone without giving a name, stating how can I help you. I advised that I was calling about the account that had been on my credit file since 2014 to see if it could be removed. 

After looking up the account the representative accidentally confirmed that the original account was not mine as she was looking it up. The representative then advised that because the person responsible for the account refused to pay it in 2014, I was responsible because she believed it was my spouse. The representative then asked me if I knew the person who the bill belonged to and began asking me to give updated information for the person who the collection account belonged to. I informed to her that I was not affiliated with that account, did not receive service for that bill and was not responsible for it. I requested that ICS Systems remove the account because the representative was aware that it wasn't mine and she sarcastically told me that they don't remove information, only report it and to contact the Credit Bureaus to remove it.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, ID XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00}.
Product: Credit card or prepaid card

The bank credit card issue a check in the amount Of {$3800.00}. It was a refund on overpayment. 
on XX/XX/XXXX XXXX XXXX  called to verify if we had endoresed check to another person. He had stolen check from mail box. I told them no and XXXX  XXXX told me bank of america would need to pull funds back so we could get the money back XX/XX/21 i called bank of america told them what happened they said they would do it and that it would not be a problem. 
Since them i have called them numerous times been transferred to multiple departments and no one has been able to resolve issue. 

i have called so much i started to keep notes since XX/XX/21 i have called and this are times i actually started to keep notes because even when a manageXXXX was contacted no notes were written on my account. 
XXXX I have ID numbers for people that i have spoken but not getting an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to remove the inaccurate addresses off my report that are not mine and are sibling addresses and the credit bureaus haven't removed instead they added my current address in the previous addresses which is incorrect they should have my address as my previous address. 

They need to my correct address to current and remove all the others that aren't mine. 

I called Equifax, XXXX and XXXX and I sent out letter XX/XX/2022 and nothing still hasn't be corrected.
Product: Credit card

I signed up for the Citi ThankYou Preferred credit card, which advertised XXXX Citi Thank You Points as a signup bonus. I signed up in XXXX XXXX, and should have received the points in XXXX XXXX. I chatted with customer service reps in XXXX, and again in XXXX, and again in XXXX. Each time they said I should be getting the points soon, but as of today I still have n't received the points.
Product: Mortgage

I have been working with Fay Servicing and assigned agent XXXX XXXX during this time. On XX/XX/2021 I was approved onto a trial modification plan where I was to make 6 Months trial payments beginning XX/XX/2021 Thru XX/XX/2021 in the amount of {$3000.00}. I successfully made 4 of my 6 payments as sheduled however where I am having a problem is my payment in the amount of {$3000.00} was mailed by USPS to be overnighted and was delivered to Fay Servicing on XX/XX/2021 at XXXX XXXX- I understand my payment was to be into Fay Servicing by the last day of XX/XX/2021 and I did try to make the payment over the phone but was not able to so I resorted to overnighting the payment instead the problem was the mail was delayed. I have been working with XXXX XXXX and she has been more than helpful with my case On XX/XX/2021 we did speak to XXXX and emailed her the tracking number from USPS showing proof of payment being mailed ( Tracking Number XXXX ) and she reached out to the investors to see if they can over turn this issue, however, while in review since XX/XX/2021 Fay Servicing issued me a Foreclosure date of XXXX I have requested the postponement to allow time to be properly reviewed but agents at Fay Servicing advised me they DO NOT have to stop the foreclosure eighter the investor will agree to help me or the foreclosure will take place but that they can not stop it and will not even though I'm in the review process of appeal.