23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On the morning of XX/XX/20, I went to Citizens Bank  at XXXX XXXX XXXX, XXXX, RI XXXX to make my usual monthly payment for my Citizens Master Card. The payment was a cash payment. I handed the teller {$1700.00} to pay my balance of {$1700.00} which was for my XXXX payment. Around XX/XX/XXXX, I had called the Master Card Co. to inquire about collecting my Points ( I pay my monthly bill off in full each month ). They informed me that I could not collect my points because my bill was not paid. I have a excellent credit payment history and have never missed or been late on a payment. I told them I had mad my payment as I also do at the local branch. They said they would investigate my payment. After two weeks, they then told me they did not receive the payment and for me to follow-up with the bank directly. Please note during this time, this was the start of the pandemic. On my first attempt to get this resolved with the branch, I was told by an employee that there was a " glitch with the system '' and she would look into this. Several more weeks pass and I felt like I was getting the run around and something was not right. I was finally told there was nothing they could do because they had no proof of a payment made on that date and I had no receipt. ( I have all my other receipts for making my payments each month ). I then asked for them to view the video. At first they said they could do not request it so I contacted the Office of Chairman. After more time passed, I was told there was no proof of me being there or a cash payment in the amount above and the video did show a women. I kept on them and I requested several times to see this video coverage. Each time, I was given a different explanation of how I can not see the video, the video is only of the back of the customers head, no video at bank entrance only outside ATM. I then sent another letter to the Head of Consumer Banking and they did respond to me and would review. I was told they did all they could do but to see the video I would need to get a subpoena. ( I have been a loyal customer of this bank for over 50 years. I have always paid all my bills on time and in full. I feel this has been handled poorly and needs to be investigated further.
Product: Debt collection

I have contacted this company Cavalry Portfolio Services LLC several times the last time being XX/XX/2022. I requested Validation of the debt they are trying to collect and they continue to send me an envelope full of billing statements. I requested an original contract bearing my signature. If you could please have this company supply a contract or something with my original signature so that I know for sure this is my debt. If they cant provide this information could you please have the remove all of this negative reporting from my reports. I have sent them proof that all three credit bureaus are reporting different information on this account so this further confuses me on this being my debt.
Product: Money transfer, virtual currency, or money service

I submitted a wire transfer request from XXXX to my XXXX XXXX account. Wells Fargo is the intermediary bank. Wells Fargo rejected the transfer. They returned all but {$50.00}. No one at Wells Fargo will assist with the missing {$50.00}. They keep telling me to have XXXX inquire. They will not talk to me. They will not accept any information - wire transfer reference number, account numbers, wire amounts. They refuse to talk about this transaction and have kept my money.
Product: Mortgage

The loan was transferred over in XX/XX/2020. I'm a successor in interest on the loan and has been confirmed several times starting with the original loan. Fay Servicing received the loan in XX/XX/2020 and to this date XX/XX/2020 I have not got passed square one with anyone. I sent documentation to the successor in interest department. XX/XX/2020, XX/XX/2020 and XX/XX/2020. I heard back one time and that was in XX/XX/XXXX stating they couldn't prove my identify. I sent as requested in XX/XX/XXXX a copy of my driver 's licence, a copy of my mother 's death certificate, a copy of the deed, a copy of my mom 's ID. I was informed by letter a few weeks later I needed a copy of my birth certificate to prove my identify. I can not locate my copy at the moment and unsuccessful in obtaining one at the time due to the closure of the XXXX county recorder of deeds due to Covid 19. Everything is currently closed until further notice. So i call weekly to explain this and quite often is rushed off the phone, stating they're not able to share information with me. 

I tried to explain that if the system says I'm a successor in interest on their records somewhere down the line it had to be confirmed. The last two loan companies never requested a birth certificate. My phone number is the number that shows in the system and when I call in, the system recognizes my phone number. I live in the property and have for many years with my mom the deceased borrower. The house is set for auction XX/XX/2020. I want to retain the home and assume the mortgage. The foreclosure attorney reached out to Fay servicing on XX/XX/XXXX to try and assist me with the matter, because my name was motioned and fiiled in the foreclosure case. To my understanding Fay servicing has not responded back to the foreclosure attorney that's going after the debt with the first loan XXXX XXXX. That's where everything was confirmed and went on to the second loan company after XXXX XXXX transferred it. I sent in paper work again to the SII department showing a court order of " me '' being on the court documents for foreclosure. My question how can I have a court document showing XXXX XXXX VS " me '' unless somehow I'm connected to the borrower and the loan. 
I also sent documents of the deed again showing my father ( my mother husband ) at the time of death is on the deed. Making him the next in line, however my dad is XXXX and I have a guardanship letter from the court stating I'm the guardanship of the estate. So that to me should even allow me to speak on the account and waive the birth certificate until I can get a copy. Which I have to wait until the City offices opens back up. This issue has been going on for 3 months now and i haven't got passed a 3 minute conversation with the representative to ask if someone could just go over the documents. I have left numerous voice mails for the contact person for my file. I have yet to speak to him but one time and that was in XX/XX/XXXX. I'm trying to get passed all this and get some type of loan modification or assistance. The loan amount is growing and right now is half of the house. Please help me in this matter.
Product: Student loan

Navient failed to notify me of important deadlines to renew my income based repayment plan. Resources to  find these deadlines, and the appropriate procedures to follow, were n't even available on their website. I 'm a busy person, and remembering when and where I have to renew my repayment plan was lost in the mix of everything else I had going on. My f irst IBR payment wa s made in  XXXX . Less than a year afterward, with no explanation or warning, my monthly payment went up, and I was charged {$370.00} in capitalized interest on  XXXX / XXXX /  XXXX  . A few months later, I was given information to ( quite easily, I might add ) file for forbearance after I 'd been late on payments. At no time, EVER, did they direct me where to go to renew  my IBR plan. I searched around on the website, looking everywhere to find information on renewing my plan, to no avail. Given that it had been over a year ago, I did not remember that the place to submit documentation was not Navient, but a gov ernment website. I now have accrued interest from said forbearance ( and deferment later on, as I STILL COULD NOT AFFORD THE $  XXXX /MONTH THEY WERE BILLING ME FOR when my forbearance was over ). I 'm disgusted by these shady, irresponsible business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid a bill in full, confirmed with the lender, XXXX XXXX XXXX, that the bill was paid and received an email to that effect. This bill was not in collections, nor was it bad debt purchased by another creditor. XXXX XXXX XXXX was the original and only lender involved here. I forwarded the email with my request to Experian on XX/XX/XXXX, requesting my credit report be updated. The very next day I received a reply informing me that their investigation was complete, that they had verified the information they have as accurate and would that they would not be making any corrections. 

In Experians denial they state : we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 

The letter goes on to call out the following : Actionsrequired : We reviewed the documentation you provided with your dispute, but determined that it was not sufficient to make the changes or deletions you requested. 
We then forwarded your documentation to the furnisher of the information, along with a description of your dispute, and asked them to investigate your dispute. 
If the item you disputed was a public record, we contacted the vendor who collected the information from a public record source and asked them to verify the public record information. 
The results of our reinvestigation are included here. 

XXXX XXXX .... 
PLEASE CONTACT XXXX XXXX AT XXXX From the information they provide, it would appear they received a copy of the email I provided, forwarded it on to XXXX XXXX XXXX requesting they verify that information and received a response requesting Experian to call them. It does not appear Experian did that within the one business day they dedicated to fix this error. If Experian looked into this matter with any due diligence, they would have found the information I provided them to be accurate and updated my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX, Experian and XXXX to remove the below inaccurate information from my report about 2 months ago. I haven't heard anything back from any of the bureaus. 


1. The following account is not mine XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 XXXX. The following account is not mine XXXX XXXXXXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 3. The following personal information is incorrect XXXX XXXX XXXX XXXX   XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 4. The following personal information is incorrect XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020. 

5. The following personal information is incorrect XXXX XXXX   XXXX XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information on my credit report with Experian since XX/XX/2023. Since then I have also disputed these same items XX/XX/XXXX and XX/XX/XXXX. Giving Experian XXXX days each to furnish proof of the requested item I disputed. Each time within 5 days the account just come back verified with NO PROOF of investigation and NO PROOF of late payments or even the accounts as I requested. I also reached out to XXXX in regards to bankruptcies that are on my credit profile. XXXX said they are only showing XXXX XXXX XXXX and Experian is showing 3 bankruptcies. While my XXXX is not showing any bankruptcies. Also the XXXX account is showing as a charge off with a credit limit which is a reporting violation. The XXXX and XXXX  account are showing late payments in which I asked for proof of late payments XXXX XXXX and have not gotten it. I am requesting that these bankruptcies, the XXXX, XXXX XXXX, XXXX and XXXX XXXX accounts are removed from my credit report ASAP as they have had over 60 days to complete their investigation and furnish proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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
Product: Credit card or prepaid card

On XX/XX/XXXX I made an online payment using the Bank of America online portal. Prior to this, my phone was stolen on XX/XX/XXXX, which resulted in me needing to have my ACH information on my bank account changed after realizing I had multiple transactions I was not aware of. My bank told me all " familiar '' charges ( IE : insurances, credit card payments, etc. ) would not be impacted. On XX/XX/XXXX I received an email saying my payment failed. I attempted multiple times to log back into the app, but by the time I got the email it was outside of the XXXX minutes they provide you to log in for security purposes. After failing again today I called them, and was told that as of XXXX my account was cancelled due to non-payment ( have missed 2 payments EVER ). I did not receive any email until I called in ( I have phone records of this ). I spoke with a Senior Credit Analyst and they told me they would submit a request to reopen my account, NOT TELLING ME THEY'D DO A HARD INQUIRY ON MY CREDIT RESULTING IN A DING. For such a large financial institution, their business practices are disgusting and frankly I am wanting my account reinstated effective IMMEDIATELY. I made a {$1200.00} payment today that has gone towards the account. I need someone to contact me ASAP and I will continue to report them to every organization possible in addition to sharing my experience on social media.
Product: Credit reporting or other personal consumer reports

Monterey financial bought my account from XXXX XXXX loan.When my was sold the companies coded my account as charge off when payments are coming out my allotment every XXXX weeks. I never been delinquent and was never charged late.I tried many times to communicate with Monterey but had unsuccessful attempts on numerous occasions.When I do communicate customer service is super rude. I am filing a small claims lawsuit because of hard Monterey has caused. I am unable move and get apartment because Charge Off that was coded an error.
Product: Student loan

I've been trying to setup an affordable payment plan with Navient since XXXX of this year when my IBR plan that I consistently have paid for a couple-few years now expired/needed to be renewed. I've been misinformed several times on phone calls over the past few months and was told one month ago ( third attempt of processing application for affordable plan ) that my payment would be lowered in time for the due date this month because I had made the {$5.00} payment to reset the account into the new plan. Someone on their end failed to submit the paperwork in time so the website still says I owe an amount significantly higher than what it should be. The staff is rude and unwilling to help when I call and quickly offers to set my account up for forbearance every single time I call. I just want help getting an affordable payment amount and don't trust that it is going to happen after speaking to a supervisor.
Product: Mortgage

The HELOC 5 year draw period was due. Current average payment of HELOC was {$340.00} per month. All financial forms that were required were faxed to TD Bank as requested on XX/XX/XXXX with confirmation of successful fax. A letter was sent from TD Bank dated XX/XX/XXXX stating the HELOC was not approved with increase in payment to {$1000.00} per month. Local XXXX  TD bank was called on XX/XX/XXXX and XX/XX/XXXX with local bank unable to confirm why the long standing HELOC was denied and repayment of {$1000.00} required. They stated they were unable to review reasons for denial. XX/XX/XXXX TD customer service was called at XXXX. Customer representative, XXXX, was unable to give a reason for the denial of continued HELOC stating " phenomenal credit score ''. The number to the renewal team was given on that date by XXXX  with call made onXX/XX/XXXXand left message. Unfortunately, despite the TD bank recorded message that all calls would be returned within 24 hours no response from the renewal team has been returned one month later. My, DPOA, daughter went to her local TD bank in XXXX on XX/XX/18 and spoke to assistant manager who assured her that she would be contacted the next day. She was not called with an explanation as stated. No call was made. A call was made to the assistant manager in XXXX  on XX/XX/XXXX with message left and still no return call. After completing a customer service form on line for TD bank a phone call was finally received from TD bank. The representative stated that a modification had been arranged with repayment decreased to XXXX. When questioned why a XXXX, XXXX y.o. widow, with phenomenal credit score, increased income over the past five years and no additional debt was not again renewed for HELOC the response was there must have been changes with XXXX XXXX  or XXXX XXXX. When questioned what the new rules were compared to five years ago the response was " I don't know ''. I am still awaiting an answer as to why the approval did not go through. Again, no late payments, phenomenal credit score, increased income. Only change over the past years was the age of the applicant.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX Balance : {$15000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Original Creditor : XXXX XXXX Balance : {$470.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX Balance : {$75.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$130.00}
Product: Mortgage

On XX/XX/2020 we made a principal payment in the amount of {$310000.00}, which was ALL to go to the principal. Instead, UWM took out the XXXX payment out of that amount, which they were instructed not to do. In addition they did not reamortize the breakdown in terms of how much is applied to principal and interest. I have called every day and been promised every day that they would " suspend '' XXXX 's payment and then I would pay XXXX and they would apply the " suspended XXXX '' payment to the principal.
Product: Credit reporting

I filed a complaint with Equifax Credit Reporting bureau on XX/XX/XXXX. I received notification that the dispute was resolved on XX/XX/XXXX. The dispute was concerning a public record from a judgement placed by XXXX case ( # XXXX ) which was filed on XX/XX/XXXX. It is currently classified as " satisified '' as of XX/XX/XXXX. This judgement should have never been placed on my credit report because it was filed and placed on my credit after I filed the bankruptcy and the bankruptcy was discharged on XX/XX/XXXX. I filed disputes with XXXX and XXXX and they both removed the judgement from my credit report. I contacted Equifax via phone and spoke with both a representative and a supervisor. The supervisor was rude and stated no matter what documentation I provide whether it is from a court or any other entity they would not remove this discrepancy/incorrect information from my report. I would like for this to be removed from my credit as soon as possible please and thank you
Product: Debt collection

JD BYRIDER { CNAC }, XXXX, Iowa has been taking car payments, electronically out of my checking account for the last month and a half without my permission or consent for a vehicle loan that is in no way associated with me or my name.I am XXXX years old and am trying to survive on a fixed income and now have a negative checking account balance.
Product: Debt collection

My dad XXXX XXXX owes XXXX, and the debt collector is XXXX, XXXX. I am power of attorney for my dad and have been trying to make payment arrangements. They will not accept unless I give them my debit card number or banking information. I explained to them that I could either mail in payments, pay online or by XXXX XXXX. They will not accept. I have still been mailing in payments. I told them that I would make a payment on XXXX/XXXX/2015 but they have been calling every day. They are trying to get my account information. The representative that I spoke to is XXXX XXXX and is also the one that keeps calling. Also, the age and last XXXX of ssn are my dad 's since it is his account, but they will also have my name on record as poa
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint with on trans Union for an account reporting inaccurate information, from XXXX XXXX in the amount of {$5500.00}, which resulted in the account being removed from my report. I just checked my report today XX/XX/XXXX and found the same account back on my report this goes against my rights of accurate information being reported according to the fcra therefore should be removed and not placed back or the companies involved should be held legally accountable in all ways!
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No- XXXX XXXX. Past Due- {$900.00} 2. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX