23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I requested the mortgage forebearance protection afforded me under the CARES act from my servicer : homeloanserv XXXX XXXX XXXX XXXX XXXX ID XXXX. I was told by both XXXX and XXXX that under FHA guidelines I am only entitled to 90 days of forebearance and that I will have to call them every 30 days to maintain the program. They have both also told me I am not eligible for modification and will have to make a lump payment after the 90 days. Both of them insisted this was government guidance but offered no official documentation. XXXX claimed the cares act has been changed and we are now only entitled to 90 days. Their supervisor, XXXX, has yet to return my calls. The stated employees also asked me if I was sick. I'm not sure why I would have to disclose my protected information just for some relief. Please help stop these predatory practices. Homeloanserv is attempting to force me into an agreement I do not want in an attempt to have me default my mortgage and foreclose on my house.
Product: Student loan

I had a private loan through XXXX XXXX XXXX in which averaged a 2.8 % interest rate. A few months ago I was notified that Navient will be taking over the loan, and as that happened my interest rate began to increase gradually. My loan is now at an interest rate of 3.5 % and Im not sure when it will stop, as the loan interest increases every couple of months now that Navient has the loan. 

I also have federal student loans that I am convinced were taken out at the 3.5 % rate and Navient doubled most of them to the 6.5 % even though that was only supposed to be new loans after the XXXX bill wasnt renewed. I have no loan with them for less than 5.3 % interest rate and I know I had loans through XXXX XXXX for the 3.5 % but now that Navient took over those loans I cant access the records. I called in 2014 to request the information from Navient about how the loan interest changed when going from XXXX XXXX to Navient and they stated they had no access to that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS LOOKING OVER MY REPORT AND I NOTICED ADDRESS AND PHONE NUMBERS ARE NOT MINES/ NOT ACCURATE, PLEASE REMOVE THE FOLLOWING ITEMS. 
XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries from my credit report, and I asked the Credit Bureau to remove them, and they did not do as asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were 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. 
XXXXXXXX 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$730.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Citi XXXX XXXX Credit Card - have balance under promotional offer - Titled Offer 5 - 4.99 % until balance paid - had no other balances due. XXXX/XXXX/15, purchased concert tickets. Purchase went to Offer 9 - 1.99 % until XXXX/XXXX/15, then standard rate of 17.99 % after. Concert cancelled by artist. Purchase refunded by Citi on XXXX/XXXX/15. Citi applied refund under Offer XXXX instead of Offer XXXX. Charged Interest on offer XXXX for XXXX and XXXX for a refunded purchase. Statement showed Offer XXXX balance subject to interest rate of {$140.00} with interest charge of {$0.00}. Made payment. XXXX Statement showed Offer XXXX balance subject to interest rate of {$170.00} with interest charge of {$0.00}. How does a balance go up by {$34.00} when a payment was made and the interest charge was only {$0.00}? Also, because payments apply to higher balances first, and Offer XXXX balance is much higher than Offer XXXX, my next payment will not touch Offer XXXX and Offer XXXX will revert to the 17.99 % standard rate. The practice of not applying a refund to the offer in which it was charged has me paying interest on a refunded purchase and has set me up to fail completing Offer XXXX in the required timeframe and raising my interest rate. Because the purchase was relatively small, the net effect is minimal but, if this were a much larger purchase, like if I bought tickets for a large group so we could sit together, I would be subjected to a much higher interest payment, especially after it reverts to the standard interest rate. I feel this practice is fraudulent and wonder how many others are affected. I am sure it could exceed XXXX per month that Citi can collect fraudulently, with most people unaware. I spoke with manager with Citi, but they unsatisfactorily explained this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is automatically paid on the due dates. 3 times now after they take my payment, they say I still owe. I then pay that sometimes I pay it more then once. It's a higher interest rate for left over balance. They don't know why their system keeps doing it. Now my accounts have been denied, when I tried to use them embarrassing, and it's still delinquent. Upgrade.inc have been doing this for months now. No fix, no answer and this this it's 21 days later.no matter how many times I pay money o don't owe, it's still delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan that was charged off over5 years ago due a medical issue that forced me to retire very young. The company who held the loan is XXXX XXXX XXXX XXXX in California. 
On my creditreport it still shows a balance and late statusevery montheven though the account was closed and charged off over 5 years ago I believe thisis impactingmy being able to get a new home equity loan
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Coinbase, Inc disabled my account ( I use their XXXX app ) with no apparent reason. On that same date It tried to have the problem fixed on their website, and they mentioned that they needed to email XXXX, and include a picture of my driver 's license. I emailed them, and then I got and autoatic reply saying they no longer have email-driven customer support, but instead I had to go to https : //support.coinbase.comXXXX XXXX XXXX XXXX XXXX XXXX I once again, did that on the very XX/XX/XXXX. On XX/XX/XXXX, I went again to the above URL and submitted another request for support/ticket as I Had n't received any response, nor resolution has been given to my issue. This is becoming frustrating as I have around XXXX ETH in my Etherium wallet, around USD {$1500.00} back them. I 've missed several opportunities to make some profit due to fluctuations on the ETH price. I believe Coinbase, Inc is not following proper customer support ( actually its support is awful ) for an institution that deals with people 's money.
Product: Debt collection

While I was in XXXX and then on XXXX XXXX in XXXX from XXXX-XXXX, XXXX roommates that I had been living with left the apartment without my knowledge. When I returned home, I no longer had contact with the roommates and several years later, I started receiving harassing phone calls from IQ Data Int'l. They kept asking me for contact information for the XXXX former roommates, which I did n't have. They accused me of lying, they yelled, they told me I had to pay the outstanding debt immediately, otherwise they would n't " give me a deal '' and then they threatened to sue me. 

When I explained that I was in XXXX and did n't receive any notification that my former roommates left, they said " that does n't matter. '' They kept cutting me off when I tried to explain I was n't even in the country and the representative from IQ Data said " You need to stop talking and listen me. '' They would n't let explain and they just kept yelling at me.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX  Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process followed by Equifax regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
I recently reviewed my credit report and noticed that my XXXX  XXXX account includes inaccurately reported late payments. I have consistently paid this account on time, and there have been no late payments. As a credit reporting agency, Equifax is required to report all information with complete accuracy. Therefore, I am requesting that you investigate this account and update the payment status to reflect timely payments. 
Summary of Errors and Discrepancies : In reviewing the payment history, I have identified discrepancies in reported late payments that do not match my actual payment record : Equifax reports a 30-day late payment for XX/XX/year>. 
XXXX and XXXX report a 30-day late payment for XX/XX/year>. 
These entries are incorrect and negatively impact my credit profile. According to my records, all payments were made on time, and no late payments should appear on this account. 
Legal Basis for Dispute : Under the FCRA ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), my consumer report should not contain information that inaccurately reflects my payment history. Inaccurate reporting of late payments is a violation of the FCRA and misrepresents my creditworthiness. Additionally, sections 15 U.S.C. 1681i and 1681s-2 mandate that credit reporting agencies, including Equifax, correct any inaccuracies or incomplete information to ensure maximum accuracy.

Requested Action : I request that Equifax conduct a comprehensive investigation into this account and remove the inaccurate late payment entry to reflect my accurate, on-time payment history.

Please provide a description of the procedures used to verify the accuracy of these entries and confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I've been a customer for CITIBANK for over a 7 years now, however, and out of nowhere, they have started bugging me non stop for ID verification requests by mail, online, and calls. I tried numerous times on their mobile app to submit my REAL ID California state issued driver license but the app kept rejecting it without giving me any reason why. However, they emailed me a letter many times through encrypted links that you can't read without a password and in the same time the letter has expiration date then it vanishes so to trace for it but I took a screenshot of it and I'll attach it to the complaint. 
I submitted my Real ID California DL through their encrypted links at least twice but Mr. XXXX XXXX from citibank called me many times requesting to submit another type of ID to accept it for verification purpose based on the same list that shows in the letter they kept emailing through the encrypted link. 
The only accepted list according to Mr. XXXX is : US Passport, US Birth Certificate, US Green Card, Certificate of Naturalization, Non US Passport with Visa, or NON US Passport with Work Authorization Card.

So Valid California DL is NOT accepted for them and I must submit one of ID verification from the list above OR they will block my accounts ( and they already did block them so far ) then they will cancel and close them. 
It's obvious that they are NOT looking for ID verification since I've been their customer for over a 7 years and kept rejecting my DL, rather in reality they want a verification for immigration status!
Product: Credit card or prepaid card

I requested a transfer balance from XXXX XXXX to pay off my Capital one account due to the high interest rate. The transfer was to be processed in time to pay the balance in full by XXXX XXXX ( this has been going on for so long I cant remember ). When XXXX XXXX sent the transfer it was not accepted by Capital one ... .is this possibly a way to keep it from posting to get more interest posted??? Anyway, XXXX XXXX had to sent me a paper check to forward to Capital One ( which in these days of technology I question ). Nonetheless, I sent the paper check, but by now so much time has passed that interest did post, which is the interest I disputed with the customer service department, who sent me to the payment department, to which I faxed a letter of explanation and a copy of the letter from XXXX XXXX indicating that the transfer was not processed and thereby a check was being sent to be forwarded by me.. in all my years of a couple balance transfers, never had this happen ) Once I saw that the balance was down to XXXX, I discarded the previous conversations I had with Capital One employees, but I am sure they have correspondence and dicta phone recordings to verify which can be tracked from my home phone. 
I did start keeping my notes again when the new charges were billed. On XX/XX/2019 at approximately XXXX XXXX I spoke with XXXX. He stated he did see the previous info on my account and that he couldn't adjust the interest, but could transfer me to a supervisor when they arrived in about 2 minutes ( by this time I assume it was about XXXX and they arrive at XXXX, but for some reason, my notes indicate I didn't speak with XXXX until about XXXX XXXX ). XXXX, the supervisor, stated she could not waive the interest due to the previous interest being reversed. I tried to explain, once again, what happened, but it was to no avail. 
Capital One credited my card by reversing the finance charges, I paid a new charge as soon as I saw it posted to insure the balance stayed at XXXX, then I still get yet another bill for interest in the amount of {$22.00}. It's like a never ending cycle. I called but was informed that since they reversed the previous interest there was nothing they could do. 
If the interest was reversed to correct the error, then I'm charged interest again due to the fact that it took so long to get the error corrected, as for what I have been told the new interest is due to the account not being paid in full ( But it's due to the interest that I had to get reversed, all other charges were paid!!!!!! ). How is it that I should now pay interest for previous interest that was charged and reversed? 
Anyway, I do not feel the interest should remain due to the circumstances.
Product: Debt collection

I noticed a debt collection for XXXX appeared on my credit report about a a month or two ago. 
It says the debt was with my truck insurance provider. I called my local insurance agent, XXXX XXXX, to inquire about this supposed debt I owed to XXXX XXXX. 
XXXX looked at my accounts and said I didnt owe anything. She called XXXX XXXX and verified I owe nothing. I have been with this company and on auto-draft monthly for 9 years or more. I am clean for these 9 years. 
XXXX then called Firstpoint Collection Resources and got miss XXXX on the phone with she and me. We had a three-way conversation in which XXXX told XXXX XXXX I did not owe her and this was an error on their part. XXXX XXXX admitted I was clear, but did not remove it from my credit. I asked her how to fix it and she told me to file a dispute through XXXX XXXX, which I did immediately. She still did not remove the collection. 
A month later, I called XXXX  XXXX again and she had me to email her a long email explaining in specific details that they had mistaken me for someone else. She said that would resolve the issue. She still has not removed the collection from my report. 
I am not the person that owes this debt and they know it. But they do not care to remove it from my credit report. Please help me get Justice in this situation!
Product: Credit reporting or other personal consumer reports

I received notices in the mail from an attorney claiming that I owe debts to Midland Credit Management. I have no knowledge of these debts. I sent separate notices, pursuant to 15 USC 1692g Sec. 809 ( b ) to Midland Credit Management, by certified mail with return receipts, disputing these debts as I have no contracts and do not owe the accounts that Midland Credit Management has reported to the major credit bureaus. I asked that they send me the original contracts as I requested and they did not provide me with anything on any of the accounts that they are fraudently reporting. I believe that the false information reported is defaming my character and the company did not follow the FDCPA in investigating these matters as my disputes went ignored and the accounts stayed on my credit reports.
Product: Payday loan, title loan, personal loan, or advance loan

A. ) Parties with MoneyLion could do nothing in return of an extra dated payment XX/XX/2023 early option, and pre-dated XX/XX/2023 both for {$96.00} total {$190.00}. Called wed and thur XXXX for disputes, referred to Loan Department call at XXXX stated to contact MoneyLion customer service who referred to Loan Department, could do nothing, along with a background negative descriptive/comment referred to Customer Service . I informed them it was processed thru MoneyLion roar Account Plus to XXXX XXXX.Early payment should drop second dated payment. ( It happened before but I let it go. This is my third XXXX XXXX ). B. ) In another complaint an app function for a new account route and account with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX did not facilitate as specfied standard operational procedures, amount of transfer that did Not go through {$1000.00} ( Planned on keeping both financial institutions,? ) XXXX was waiting for a payroll deposit.
Product: Credit reporting or other personal consumer reports

T

he credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. UNUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

Repeated and Harassing Robocalls from Portfolio Recovery. When I have attempted to answer and confront these harassing and unwarranted calls, no one is ever on the line. I have waited for a rep to come to the robocall, with no results. 

( See attached call records from my phone ).
Product: Student loan

I lost my job, again, and need to suspend payments for 6-12 months while I search for another job. I used up my deferment/forbearance options after I graduated and when I was laid off the first time. I understand they have terms for how long you can suspend a payment. However, I did n't expect to be laid off twice within 10 years. Navient refuses to help me in any way that would allow me to suspend making payments. 
I have never missed a payment and overpay each month. I have no intention to not pay the loan ; once I get a job I 'll be right back to paying. 

I find it so strange the company sticks by this policy of a fixed number of times you can suspend payments. If I do n't have any income, I do n't have any options here. I see it as very simple to review my payment history quickly, see 8 years of steady, monthly payments over the minimum, and just suspend payments for 6 months until I get a job. They win in that they do n't have a client defaulting, they earn more interest on the loan, and then they get their client right back to paying once they are employed again. 

As an aside, their customer service staff was the rudest I have ever encountered. I spoke with a man and then his manager and they were condescending, rude, arrogant, and overall unpleasant. It was pretty surprising to see a corporation today let their staff behave this way with clients. Since the manager was worse than the employee, it 's clear they encourage a this type of culture in their office.
Product: Credit card or prepaid card

Proposed a settlement offer on XX/XX/2022. Wells Fargo will not respond.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$200.00}
Product: Credit card or prepaid card

I have a Balance of {$530.00} on my Bank of America credit card but I am not allowed to make a payment online at www.bankofamerica.com, the Bank of America mobile app or over the phone because I dont have a personal or business Bank of America checking account. 

Im being told by Bank of America customer service representatives that they will need a checking account and routing number from me in order to process a payment because they dont except debit cards, which is a plastic payment card that can be used instead of cash when paying bills or making purchases. It is similar to a credit card, but unlike a credit card, the money comes directly from the user 's bank account when performing a transaction. 

If I am using a Bank issue debit card, whether it be from Bank of America, XXXX bank or XXXX Bank, and the money will come directly out of my bank account, why does Bank of America or any other credit card provider need my checking account and routing number? This makes absolutely no sense at all. I dont want to provide Bank of America or any other bank with my personal information from another bank and I shouldnt be required to do so. This is a stupid policy that the Consumer Financial Protection Bureau needs to force banks to change.