23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I paid my auto loan off in full via the lenders website by submitting an online payment which processed via ACH out of my checking account. Two days later I inquired as to when I would get the title and Ally XXXX informed me that it is " company policy '' that there is a holding period of ten days before they would release the title and then it would take 3-5 days to mail. That is a TWO week waiting period on my title when I paid in full. I would understand if I had written a personal check that there would be a clearing timeframe, but an ACH is an immediate payment. How is it legal for them to hold the title for 10 days? Reg CC has rules against holds being placed on funds via check, but there has to be some sort of ruling on release of title. If they have my funds, I should be able to demand my title.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to inaccurate information reported by Equifax on multiple accounts, specifically regarding the " Date of Last Activity, '' " Date of Last Payment, '' and " Date Last Reported '' for the following accounts. These discrepancies negatively impact my credit report and differ from the information provided by other credit reporting agencies ( XXXX and XXXX ). Despite my efforts to address these inaccuracies with Equifax, the errors remain unresolved. 

The accounts in question are : XXXX XXXX ( Account number ending in XXXX ) Inaccuracies : Date of last activity, date of last payment, and date last reported differ from those reported by other credit bureaus. 

XXXX ( Account number ending in XXXX ) Inaccuracies : Date of last activity, date of last payment, and date last reported do not match with other bureaus. 

CAPITAL XXXX ( Account number ending in XXXX ) Inaccuracies : The date of last activity, date of last payment, and date last reported are inconsistent compared to other credit reporting agencies. 

XXXX ( Account number ending in XXXX ) Inaccuracies : The date of last activity, date of last payment, and date last reported are inaccurate and differ from reports provided by other credit bureaus.
Product: Checking or savings account

I woke up to a text from my bank, chime, and that there were XXXX charges from XXXX XXXX. I replied with no that the charges were not mine. The text responded that the charges were blocked. XXXX charges totaling {$830.00}. I immediately called chime and files a fraudulent charge case. They denied the claim in less than 24 hours. I called again and filed again on all charges and sent in a detailed rebuttal via email. I also recorded my second call with chime. They then said they would investigate more but could take up to 90 days. They then responded again and said call charges were found to not be fraud And it was a final decision. The charges hit until my account was empty. Back to back charges, and nothing in line with my spending history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM of ID theft I have several fraudulent addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX The following phone numbers are not mine please delete the following : ( 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 XX/XX/year>, Mohela sent a confirmation about autopay on my loans in the monthly amount of {$510.00}. This email was to confirm my monthly statement would be paid. 
On XX/XX/year> I was notified by Mohela that my account would transition to a new platform and that I should confirm auto payments. I did so and the account information was correct. 

XX/XX/year> I received an email from Mohela that my payment was not received. However, I have a bank statement showing the amount of {$510.00} withdrawn by the Dept of Ed on XX/XX/XXXX. 

I issued a digital communication to Mohela and did not hear back. 

The same thing happened again the following month. I again have a bank statement showing the next {$510.00} going out on XX/XX/XXXX. 

I called Mohela after this, and spent an hour on hold. The representative I eventually spoke with told me she could not actually see any past history or any of these payments on my account, or help to correct the problem over the phone. She said she would escalate my concerns to a supervisor if I could upload my bank statements into my Mohela account, which I did. She told me there was no date estimate on when the issue would be corrected and that I would not hear back from Mohela. Eventually, she said, I would just see the past due amounts drop off. 

Mohela claims that I am now delinquent on my account in the amount {$1000.00}. 

Today ( XX/XX/XXXX ), my autopay again posted the amount of {$510.00}. I received confirmation over the phone that this is processing, but not the email communication the representative said I should have received. I have requested a paper copy of this payment to be sent to me. 

The representative I spoke with today spoke to a supervisor and reported to me that Mohela 's accounting department is still looking into the lost funds on my account. 
She said there is a high volume of similar cases occurring since the change to the new platform, and that the accounting department is very busy. There is still no timeline available for when this error will be fixed. I agreed to a temporary forbearance today to prevent my account being sent to collections. I will owe interest on my full account balance - including the funds already paid. 

I am concerned that this money has been mishandled, lost or that there is some other reason Mohela can't provide me with a receipt that matches their autopay confirmation emails or my own bank statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX sent in a dispute ( dispute # XXXX ) with equifax stating that North Carolina XXXX XXXX XXXX XXXX where reporting false information about my payment history. The last date that was paid to NC XXXX XXXX XXXX XXXX was on XX/XX/2016 and there hasnt been anyother payment with them since then. They Charged the account off in XXXX of XXXX I looked in my credit report and it states that i maid a payment in XXXX XXXX thats why i disputed with equifax XXXX On Speaken to XXXX with Equifax he stated that my dispute is closed and the information is correct. I asked XXXX with Equifax how did the company prove that i made a payment, he stated that they just notified them that the information is correct. I asked him did they show any proof of the payment being made. he said no. i asked him wh would you all just take the word from the company without proof. He stated that thats how they do. My complaint against equifax is that why put in a dispute if your only going to take one side without proof and its not fair. this account has been removed from my credit report from the other 2 credit reporting agencies because NC XXXX XXXX XXXX XXXX is Falsely reporeingbin accurate information.
Product: Student loan

I had taken several private student loans out from smaller banks that have since dissolved. XXXX XXXX took them over and now Navient has them. My interest rate has fluctuated and my payments made are not refelcted correctly. I still am paying XXXX private loans for a total balance of {$76000.00} owed, which is mostly interest they are charging me. These loans orginated in 2001 and they changed my interest from 4 % to up to 14.25 % without my knowledge. When I call to question why my minimum payments were so much higher they said I have to pay and pretty much hang up in my face. I decided to stop paying them and after XXXX months of being delinquent they finally agreed lowered my interest to 4 %. They are making it impossible for me to pay the principle off because everything is interest owed and I feel it 's armed robbery.
Product: Credit card

To Whom It May Concern, Re : XXXX I am writing to continue my dispute with the merchant and have included documentation to support my claim that goods/services were NOT as described NOR received. 
Please see the following per your request : Document A - A copy of my purchase agreement/contract, including evidence to support that XXXX XXXX XXXX XXXX XXXX and XXXX # XXXX Massage was included in the contract. 
Document A-1 Text message from the XXXX center sales coordinator outlining the agreed services of the contract with the contract price. 
Document ( s ) Below - screenshots of my attempts to contact the XXXX center to resolve the issues of not receiving the XXXX XXXX and not receiving the massage. This is my statement providing documentation that shows my attempts to reach the Doctors office to no avail to correct the problems. To this date the Doctors office has not responded to my messages leaving me ignored. 
XXXX. Social media messaging on XXXX was read and left unanswered. 
XXXX. XXXX, Text message to XXXX XXXX XXXXXXXX center was never responded to. 
XXXX. Two calls were made to the massage center on XXXX, both were to see if the massage center received the authorization for the massage as indicated. Both times we were told no that an authorization was never sent. One other call was to the Doctors office directly on XXXX. Twice I attempted to call XXXX XXXX center with no answer on XXXX. I made a total of XXXX attempts were made on XXXX before we had to leave XXXX, Florida. 
Furthermore, you have received documentation from the merchant clearly indicating that only thXXXX XXXX XXXX and XXXX XXXX was performed. 
I am requesting credit value for the unreceived services oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not aware of the monetary value of said services as they are all rolled into the XXXX XXXX price of the {$2800.00} to which the merchant charged me {$2800.00}. 
This is a clear breach of contract, where services were not rendered and/or received. To date, no one from XXXX XXXX Center has followed up with either my daughter or me regarding our complaints. 
As my daughters immediate caretaker following her XXXX, I took on the responsibility of contacting the XXXX center on her behalf, as she was in significant pain and under the influence of pain medication and anesthesia during this time. 
Please let me know if you require any further information or have any questions. 
Respectfully, XXXX XXXX XXXX
Product: Checking or savings account

I was a victim of identity theft I sent copies of my identity theft report to the bank they denied my claim even though I haven't had or been given access to a debit card since XX/XX/2023 someone ordered and used a debit card linked to my checking account without my knowledge or permission I called the bank as soon as I gained knowledge of this situation they also took the money from my account without providing me written notice of the outcome of the dispute and that they were removing the credit from my account the dispute was closed on XX/XX/2023 and they took the money from my account the same day which is a violation of 12 cfr 1005.11 also I requested information " written explanation " documents that the institution relied on while making its determination and was denied my request another violation of 12 cfr 1005.11 ( d ) ( 1 ) this banking institution has violated my rights and charged me for fraud that they can not prove I do not have a debit card with them and I refuse to pay for identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt to resolve this issue through the CFPB. 
Equifax does not keep accurate records of my credit report. I shows different lenders different reports. One report from XXXX shows most of my active accounts ( 8 ). I pulled my current report from equifax website which does not show 6 of my currently active accounts and reflects a score of XXXX. When applying for credit in some instances my score ranges from 500 to 650 from equifax due to incorrect information. Im not sure why accounts sometimes disappear then reappear at a later time. I'm attaching two recent reports from equifax to show the discrepency.
Product: Mortgage

This complaint is regarding the manner in which Bank of America has chosen to handle the short sale process. 
Complaints are as follows : ( 1 ) Not communicating with the realtor in a timely manner to ensure that documents where submitted. 
( 2 ) Repeatedly asked for multiple documents that were submitted on a number of occasions. 
( 3 ) Frequently lost documents that were faxed multiple times and then when stated by Bank of America that they received it they were not legible or not in the correct format, so either documents were refaxed or reloaded into the equator system on several occasions. 
( 4 ) The phone number to the assigned short sale representative, when contacted is usually disconnected or out of service. 
( 5 ) Failing to respond or return phone calls and voicemail messages from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the short sale specialist XXXX XXXX XXXX ) XXXX ext. XXXX. 
( 6 XXXX Frequent phone disconnections. 
( 7 ) Failure of delivery of timely and acute information regarding the short sale application/process, for example the amount of the appraisal. 
( 8 ) Submitting an offer and the sale date was not postponed. 
These are a few of the many concerns/complaints regarding the loan. 
According to Bank of America records I, current owe more than what the property is worth and after several attempts to receive a loan modification I decided in order to prevent a foreclosure that a short sale was my best option. However in any application that is submitted to Bank of America regarding a loan modification or short sale, I feel that Bank of America is not giving the opportunity to rectify the situation with an active offer on the property. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. The creditor is named EASTERN REVENUE INC. 


15 U.S.C 1681 602 A. States I have right to privacy.

15 U.S.C 1681 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my permission. 

I have contacted this EASTERN REVENUE INC to request they remove this from my credit report since 2021. They have not complied. They harass me everyday before XXXX and after XXXX. I want to sue. This account is not accurate and immediately must be removed please.
Product: Debt collection

XXXX XXXX Acct number : XXXX XXXX XXXX  accordance with fair credit regarding act convergence to those account has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C section 602 A section 2 : its also states a consumer reporting agency can not furnish a account without my instructions. 


I reject everything they said here : On XX/XX/XXXX the apartment all ready has been rented by new tenants. XXXX her self told me that they will have new tenants on the XXXX of XXXX. 
I vacate the apartment since XXXX XXXX. Why all this charges after vacate the place? And they do have the mover insurance as well. 
I didnt make any damage in the property. 
I didnt make any late payment. 
I wasnt late to move for them to charge me XXXX $ I didnt Damages - Trash removal from move-out Neither Damages - Drywall Repair on XXXX and XXXX floors I move out the XXXX of XXXX. 
And the apartment was way clean. 
I sign this form on the XX/XX/XXXX on good terms that Im moving out on XX/XX/XXXX. 
XXXX send it to me to show that Im moving out on the XXXX of XXXX. Doesnt show that I owe them of broke anything. 

This form is for all tenants when you are moving out a month before to vacate the apartment.
Product: Credit card or prepaid card

On XX/XX/XXXX I placed and cancelled an order. This order was shipped anyways. I refused the order and gave it back to XXXX. XXXX did not deliver it to the shipper. I contacted Citi Bank to inform them of the dispute. They did not handle the dispute properly and did not give me an opportunity per card member agreement and Mastercard rules to properly dispute this charge. I had a number of written and verbal correspondence with Citi about this issue. After I was told the dispute was found in the favor of the shipper/seller, I requested arbitration verbally and in writing. They did not allow arbitration to be conducted. Due to the delays of Citi Bank and their dispute process, I was unable to properly dispute this.
Product: Credit reporting

Transunion has many items that were reinserted back on my credit report due to fraud. 
The company refused to remove the items that were stolen under my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX XXXX XXXX ( XXXX ).  On Monday, XX/XX/XXXX I received an alert from experian that my credit score had decreased. Upon checking, it said XXXX University had reported late payments. I was not sure what this was about. After much investigation on my own end, I realised that XXXX University held my Federal Perkins loans. When I graduated last year and I sat down with my financial/loan adviser at school  I was told all my loans were serviced by XXXX. I have been in touch with this servicer and was advised that payments are suspended and interest accrued is 0 % during these difficult times. I believe this to apply across board, including to my Perkins loans. Upon realising that XXXX University is a servicer, I contacted them via phone and email, but to no avail. I wanted to know how to pay the amount due, how to process this report, and just any help to get some answers, but no one returned my calls or responded to my email. Moreover, before reporting me to the credit bureau for late payments they did not as much as send me an email telling me that my payment is due, or that I am in repayment. There was literally no way for me to know this information, other than me spending hours trying to figure this out after my credit has been ruined.I ended reporting XXXX University  in order to rectify this situation. 
This Monday I received an email from XXXX University  where I was informed that XXXX is my loan servicer for the Perkins Loan and I should contact them. 
Upon calling XXXX  I am told that they were mailing notices to an address on file from ten years ago, which is not even in the USA -although they did have my current mailing address on file. Not only this, they also did not apply the three month forbearance due to COVID-19 to my loan which puts my first payment due in XXXX. So not only was I NOT late on any payments, I was also wrongly reported. When I asked them to fix this situation, they asked me to dispute it with a credit bureau and told me they couldn't fix it on their end -although they had ruined my credit by inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion report of account as derogatory is inaccurate account has been paid in full. TranUnion report of status as repossession is inaccurate. XXXX last reported and last active date is inaccurate.
Product: Checking or savings account

Rented a car for a week and was charged outrageous fees was told a total price of XXXX not including what I already paid or the XXXX deposit but instead was charged over XXXX dollars by XXXX XXXX XXXX 

This was charged to a secured card via forced charge and current which is the bank allowed it and authorized this charge I never authorized this. And will fight tooth and nail over this. I want my money back and compensation.
Product: Mortgage

After refinancing my mortgage a few years ago, the loan was sold to Freedom Mortgage. For much of the past two years of this relationship, this company has a knack of not properly applying my payments. I 've made more than 2 dozen phone calls to rectify these misapplications, have spoken to managers, and have submitted a formal complaint. Since their response to my letter, they have screwed up the subsequent 3 monthly payments. They choose to ignore what I write on the remittance advice and now thanks to their own advice, even instructions on the memo field of the check. Alas, they insist on applying my monthly payments to future months and curtailing the remainder rather than applying all the additional funds to principal. If I was no longer concerned with the accuracy of my account, I wonder when I make my final payment around the summer of XXXX whether I will receive the title then or when they have my payments applied out to sometime in XXXX. I am not interested in making double payments each month to escrow and interest ; I want my house paid off ... and not have the XXXX incorrect when I have to do tax preparation.