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

Purchased car through US Auto in XXXX South Carolina. Old car was wrecked not my fault. Took 5 months to get old car totaled out. Never recieved rental reimbursement. Got new vehicle finally. Then the vehicle I got needed repairs. Sent to get fixed 5 different times. Issue never fixed. Old parts on vehicle when new ones were recorded being put on. Complaints filed. Also have had to pay additional taxes on my loan to get tag when dealer said was included in downplayments.
Product: Debt collection

Some has stolen my information in Texas to open XXXX utility bill didn't pay it stole my information to do it and Now it had came up on my credit report this month. 
I live in XXXX in XXXX and had never even visit or been to Texas and Dont even No anyone there
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Hurricane Irma in XX/XX/XXXX, I was placed into the disaster relief forbearance program, which would suspend my mortgage payments and prevent any delinquent reporting to the credit bureaus. Even though I was enrolled in this program, XXXX is reporting my mortgage payment late to the tune of 180+ days past due. 
I was initially told that the forbearance would last approximately 3 months, and per the verbiage on their website : XXXX has a special, no paperwork, Hurricane Relief Program, to help manage the payments that will come due at the end the 90 day period. If you choose to opt-in to the program, you will be provided a single point of contact to help establish a repayment plan and review additional options ( including financial hardship relief, and many loan modification options that could potentially include term extensions, interest rate adjustments, and payment reductions. 

At the end of the 3 months, I went online to make my normal mortgage payment. When I was unable to do so online, I contacted customer support. They told me to hold off making any payments since my file was still being reviewed. Shortly after, I started to receive letters stating I was past due on my mortgage, along with literature on how to avoid foreclosure. Concerned, I  contacted XXXX, and was told the letters were automatically generated, and my file was still in underwriting. When I inquired what the issue was, they stated it had to do with interest rates being higher than on my original loan, but assured me that the loan was not being reported late, nor was I in any danger of foreclosure. 

Between XXXX XXXX, ( contrary to the no paperwork verbiage listed on XXXX website ), I was asked to submit a hardship letter along with copies of pay statements. I immediately sent them the requested documents. Shortly after I received a packet of papers to fill out for the application, and mailed via XXXX. 

It was not until XXXX XXXX until I finally had received my approval letter for a disaster standalone partial claim, and paperwork stating that my next payment would not be due until XX/XX/XXXX. Upon checking my credit report, I noticed that the loan was being reported delinquent by 180+ days. I contacted XXXX twice to alert them to the fact I was in the disaster relief program, and that my modification had just been approved so reporting the payments as late was incorrect. XXXX replied they would not resolve this issue, stating the credit reporting moratorium was lifted in XXXX. 

As of XX/XX/XXXX, my loan is current. The disaster partial claim has paid for the months missed due to the storm, so I can not fathom why this is being reported as late. This process took longer than expected and I should not be penalized for matters beyond my control. 

Thank you very much for your assistance on this.
Product: Credit card

I have an account with XXXX promotional balances. XXXX promotion is scheduled to end on XXXX/XXXX/XXXX the other on XXXX/XXXX/XXXX. Prior to opening the XXXX promotional balance my minimum payment was around {$85.00} once the second account was open my minimum payment went up to {$100.00}. Because my promotional balance is due in XXXX XXXX I made a large payment to avoid being charged. {$450.00} in interest. After the payment was made. Wells Fargo changed the minimum payment on XXXX balances without notification and is only applying {$2.00} of my payments to the balance that is about to expire. 

The summary of my complaint is Wells Fargo changed the terms of our agreement without notifying me, and they apply an unfair amount of my payment to an account where it is n't required with the purpose of collecting an extra amount in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I observed on my Transunion credit report an abundant amount of inquires that I don't recall authorizing. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XXXX I went into my account with Mohela to see if they processed my PSLF application and my recertified income-driven repayment plan. First, I was denied forgiveness under the XXXX program back in 2022. I was informed that my loans did not meet the XXXX payment requirement, in fact the notice said I made XXXX payments. I filed a complaint with the XXXX DOE and an appeal and was directed back to Mohela. I have submitted by XXXX XXXX times to document that my employment in the nonprofit sector continued well beyond XXXX and is still present. That form has been submitted XXXX times via email and I also recently completed it through the XXXX DOE and it was signed on XXXX. Mohela has ruled that my employment and payments are classified as " employment not certified ''? According to my calculations, I have exceeded the XXXX payment requirement. 

Second, Mohela changed my loans to forbearance without any authorization or request from me. There is very little explanation about this change. I did not request this nor ask for it. I understand that this is a tactic by loan companies to steer borrowers from moving forward with the XXXX. It was also interesting how this forbearance came forward after I recertified the XXXX under the XXXX program, after a newly calculated amount. My concerns are many but most importantly an error in their PSLF calculations and putting my loans into forbearance, which goes on my credit report. 

I am asking you all to respond and address these issues. 

XXXX
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Please remove the incorrect addresses from my credit file.

They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Product: Credit card

A number of incorrect or wrong charges were placed on my account. 

I faxed Huntington Bank dispute forms for about XXXX charges. 

I never heard back. They were never removed from my account.
Product: Checking or savings account

On XX/XX/2020 I placed several stop payments at Wells Fargo Bank because I no longer was working and was no longer receiving funds. The banker in charge f my account waived all the stop payment fees and stated that he would not pay the XXXX XXXX item that was pending. Unfortunately it did get paid and my account has been overdrawn since then. I filed a complaint before however they are not taking into consideration that the banker in charge of my account stated that he would NOT pay the NSF item as it would overdraw my account. I have called wells Fargo Bank and complained again as I have not received any correspondence from them on this complaint. The new complaint number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit dispute on XX/XX/XXXX, and its XX/XX/XXXX and there havent been a response from Transunion. Its a clear violation of the FTC against Transunion on responding to disputes.
Product: Debt collection

Company has contacted me on several occasions with malicious intent. After finding out that I'm trying to obtain a mortgage loan, the debt buyer prohibited me from obtaining the loan. The debt buyer has harassed and bullied me on several occasions.The debt buyer has reported the debt under a new date negatively effecting my credit score. The credit bureaus allow them to flagrantly report negative derogatory remarks. Section 609 requires them to produce a contact bearing my signature that they are yet to produce. The debt buyer doesn't have a contact with me.
Product: Credit card or prepaid card

XXXX XXXX received an unsolicited credit card application from CapitalOne which included a rebate of {$200.00} after spending and paying for {$500.00} of merchandise. 
XX/XX/XXXX -- applied for card through online portal and was approved for the card XX/XX/XXXX -- received notice that card had been mailed XX/XX/XXXX -- received the card by XXXX XX/XX/XXXX -- activated the card. 
XX/XX/XXXX -- used the card to make a purchase with no problem. Used the card to make another purchase from another vendor and card was declined. Immediately notified CapitalOne, but was unable to speak to a representative who could release the hold on my card. 
XX/XX/XXXX -- finally reached the fraud department, explained the situation two more times and was told the card could only be reinstated if I provided additional documentation.
Product: Credit reporting or other personal consumer reports

Lies lies liesas experian reverted back to the standard idiotic explanation that was computer generated AS REQUESTED FORWARDED TO F.T.C AND XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to report a concern regarding an unauthorized transaction by XXXX XXXX, a payday lender. On XX/XX/year>, XXXX XXXX debited my account for {$300.00} without my knowledge or consent. I am late on my account but I wasnt ready to pay yet. XXXX not saying XXXX not going to pay it, but I just received my first paycheck after being out of work for about XXXX month and their charge put pressure on my finances. 

I did not authorize this transaction, and when I contacted XXXX XXXX, they declined to cancel the transaction or provide a refund. I have filed a claim with my bank to get my money back. When I contacted XXXX XXXX the representative just told me Do what you have to do. 

I believe this transaction is unfair and unauthorized. I would appreciate your assistance in this matter and request that you investigate this incident. 
I want to clarify Ill pay off my account by at least March, but I wasnt ready for this payment and I didnt even know I was going to be charge. I dont even have groceries in my fridge and it shrink my chances to buy groceries even more.
Product: Debt collection

FH Cann and associates Inc. has emailed me every month since XXXX and called me repeatedly trying to collect a bill that they say I owe but they won't show me any evidence that I actually owe money or that they have any authority from the creditor to collect it. I want them to stop attempting to contact me and to remove any reports made that I haven't paid this " debt '' that they claim I owe to any credit bureaus that they may have reported me to.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

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

I submitted a request to place a security freeze on my account on XX/XX/XXXX.
Product: Student loan

I WAS TOLD THAT MY STUDENT LOANS WERE NOW WITH A COLLECTION AGENCY THAT I DO N'T OWN. THE DEPARTMENT OF EDUCATION SAID THAT THEY DO N'T HAVE ANY INFORMATION OF ME OWING ANY DEPT WITH THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may concern : There has been unauthorized accounts that do not belong to me that's on my credit report. I have tried to dispute it, with the three credit bureaus ( Experian, XXXX XXXX XXXX ) but they refused to remove the items from my credit report. 
The accounts below are not mine : - XXXX XXXX  XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously have been trying to get an issue addressed regarding identity theft on my report .... I have had several addresses and accounts that were as a result of my identity being stolen ... the addresses and some information has been removed and corrected but the accounts have not, .... i have a past ftc affidavits and I have added the additional accounts that I left out on these ftc affidavits ... I was told I did not have to have them notarized but one of them a month ago I did ... .. this information was mailed to you as early as XXXX of this year and has not been corrected ... recently you corrected some information and I am now sending the rest of the information that was missing from my first complaint regarding the accounts that are fraudulent ... I still have not been able to find out who have been using my information but so far I have been able to get all of the addresses and fake personal information removed and taken care of .... .but these accounts are still reporting that are on the FTC affidavit.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and 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 in ( MONTHS REPORTING LATE ) to be removed. 

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. 


( XXXXXXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( 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! 

Delete the late payments from my consumer reports
Product: Debt collection

( Creditor ) XXXX XXXX XXXX sent a bill to Enhanced Recovery Collections ( XXXX ) XXXX XXXX XXXX XXXX FL XXXX Phone Number - XXXX Sent to collection XX/XX/XXXX in the amount of {$1200.00} it is my intent to pay this bill and have it removed from my Credit Report but XXXX is saying they have no record of the bill and when I called the Enhanced Recovery Collection Co. the  phone 's voice mail is full and I'm unable to leave message. 
The service was opened on XX/XX/XXXX.
Product: Debt collection

Hello, I am writing to the Consumer Financial Protection Bureau for assistance regarding a debt collector named Transworld Systems Inc. They have been blatantly disrespectful towards me and my newborn child, with an incorrect medical bill. 

I reached out to this debt collector months ago, requesting that the debt be disputed until the hospital could provide accurate information. I had repeatedly confirmed with the hospital that my insurance would cover all expenses related to childbirth. However, months of back-and-forth with the hospital have yielded no results. They continue to promise to call me back and provide more details, but they have yet to do so. 

In addition to this, I politely requested that the debt collector dispute this claim until the hospital complies with its policies and provides me with details of the bill. The debt collector claims that the hospital has confirmed the source of the bill, but the hospital has been unable to provide me with this information. 

Despite my requests, the debt collector has refused to fully dispute my claim until the hospital cooperates and provides details of the bill. This behavior violates every law regarding debt collection. The law clearly states that debt XXXX must request verification of the debt from the debtor and that if the debtor still disagrees, they can dispute it with the credit reporting companies. 

I am requesting legal assistance in this matter. My account number is XXXX. 

Thank you for your attention to this matter.
Product: Debt collection

I keep getting calls from navient for a debt that is not mine. The deb is for my now wife and her ex husband from before we were married. I was never on the loan and I have told them repeatedly to stop calling me. Every time they call, they ask for XXXX XXXX, who is my now wife 's ex husband. They refuse to take my number from their system and continue to harass me for someone I am not, and a debt that is not mine.
Product: Credit card or prepaid card

I Have 2 balance transfer 's at 0 %. 
The first expires on XXXX and the second expires on XXXX I have a purchase, that I am paying {$1.00} interest on which I WAS uunaware of. 
WHY? 
BECAUSE : When I looked at my statement from Bank of America, under " Interest Charge Calculation '' it states as follows. 

Purchases : APR = 8.90 % Balance subject to interest rate : XXXX. Interest charged by transaction type. {$0.00} Direct Deposit Advances : APR = 0 % Balance subject to interest rate : XXXX. Interest charged by transaction type. XXXX I only see a charge of {$1.00} under transactions, with absolutely NO information on why I am being charged {$1.00}. It certainty not under the " interest charge section " as I listed above. NO WHERE is it explained on why Bank of America is charging me {$1.00} I called on XXXX spoke with XXXX  ID # XXXX out of Texas. 

XXXX stated the {$1.00} is a minimum interest charge from a couple of months ago and I still owe {$19.00}. I had no idea. Its not on the statement!!! 

NO WHERE does it state on my statement that I owe {$19.00} and that I am being charged an interest on that amount under " interest charges Calculation '' or does it mention I owe {$19.00} with a fee due. 

My statement from Bank of America does not tell me the balance I owe at the 0 % due on XXXX nor does it tell me what the balance is at the 0 % due on XXXX. 
This is how I missed the {$1.00} fee. 
This does not seem legal to me. 
Who else do I complain to? Bank of America needs to make these statements clear to consumers? I would think by law.

I would like an explanation from Bank of America and to know if this practice is legal. 
XXXX, I don't think she knew, she basically stated, they don't have to break it down. They can just lump it all together under one balance without any explanation. 

I don't want to pay the {$1.00} as it is not listed under my " interest charge calculation '' I don't know if I paid this last month or the month before, but I feel I was miss lead. As I quickly look under the " Interest Charge Calculation Saw no interest charge and thought " I was good " But, In fact, you place a {$1.00} charge under transactions without any explanation, what so ever and you called it a day.

Well, I found out, your doing this and it is wrong. You get 1 million people to miss this and Bank of America could profit {>= $1,000,000} a month.

I would like to file this complaint, and know what my rights are as a consumer and what Bank of America obligations are to their customers along with how the law is written in respect to credit card companies and information needed to provide to their customers.

Please let me know if account info is needed, as you stated not to provide that info now. My statement at this time contains to much personal info, Bank of America can con tact me, if needed. 

Thank You