23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I contacted Regions bank in regards to my credit line ending # XXXX which was put deferred on XX/XX/XXXX which is for 3 months and payment was due in XXXX. I spoke to XXXX XXXX on XX/XX/XXXX as well to confirm that deferred had been successful which I was told it was completed and to just wait on the credit reporting to update. I made another call on XX/XX/XXXX which XXXX XXXX was not available but told me that the credit reporting department was still working on it. I made my XXXX payment on both accounts as discussed. Now today, I get alert from XX/XX/XXXXthat Regions is flagging my account as late which on my account it shows current and next payment due XX/XX/XXXX. I contact Regions again today, spoke with XXXX who imessaged XXXX XXXX and was told that my request for credit update on # XXXX was denied but the deferment had been approved. With your account being under deferred no late payments are reported to the credit bureaus. I was told the late payments showing in XXXX and XXXX would be removed. Now no one is talking responsibility for what I was told. I even made a payment on XX/XX/XXXX as good faith in result of the deferment being added. I have contactedXX/XX/XXXX- regions still has not responded and it been almost a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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: Mortgage

WHEN I GET BILLING STATEMENT, I SEND THE AMOUNT STATED. NEXT STATEMENT IT SHOWS PAYMENT IS SHORT OR MORE. I ASKED WHY & CALLING THEIR CUSTOMER SERVICE DEPT. IS POINTLESS, NO HELP!! SO NO CHOICE BUT TO FILE COMPLAINT WITH YOU. AFTER LAST COMPLAINT, THEY SENT LETTER SAYING " INCORRECT CALCULATION OF INTEREST DUE " & ANOTHER LETTER " MY ACCOUNT WAS UNDERBILLED "!!!!!! EACH MONTH I DON'T KNOW WHAT MY PAYMENT IS!!!! I ASKED WHY CAN'T I GET A REGULAR, SAME PAYMENT STATEMENT, SAME AMOUNT EVRY MONTH INSTEAD OF THIS BABBLING, MAKES NO SENSE LETTERS EACH MONTH THAT SAYS NOTHING!!!!!! HOW IS IT POSSIBLE TO HAVE A LOAN, MINE IS 10.12 % A MONTH ON {$130000.00} LOAN, THE SAME AMOUNT MONTHLY???? WHY IS IT DIFFERENT EVERY MONTH, THE INTEREST DOES NOT CHANGE MONTHLY SO WHY THE DIFFERENT PAYMENT EACH MONTH??????
Product: Credit reporting or other personal consumer reports

Midland Credit Management 
XXXX XXXX XXXX XXXX XXXX XXXX ,Mi XXXX  Action taken collection derogatory marks
Product: Vehicle loan or lease

My vehicle was repossessed on XX/XX/year>. 
I paid all required fees on XX/XX/year> and recovered the vehicle from the auction on XX/XX/year>. 
On XX/XX/year> I completed my mandatory emissions inspection and was informed that my car was not registered to me I proceeded to call customer service on XX/XX/year> at XXXXXXXX XXXX XXXX XXXX and, after verifying my address was told they would " tell 'them ' to overnight the paperwork '' to correct the situation. After waiting much longer than required I called customer service again, XX/XX/year> at XXXX XXXX XXXX XXXX, this time the agent transferred me to " reinstatements ''. I then waited on hold until it went to voicemail. 
On the same day I called another number and left two more voicemails attesting to the urgency and illegality of the situation ( I had the number written down as " reinstatements '' from during the redemption process ). 
The above was sent to the XXXX XXXX XXXX in early XXXX I was finally sent a power of attorney to get the title done, I sent it back and waited another month. 
I called and after several hours I got someone to tell me that my handwriting on the mileage wasn't good enough for their liking, so they sent me another paper power of attorney. It arrived and I completed it sent it back, it was received by their third party title processing company on XX/XX/XXXX. I have made numerous calls since XXXX and nothing ever changes, with the most recent attempt on XX/XX/year>XXXX XXXX
Product: Debt collection

After less then one year XXXX 2016 with XXXX XXXX, I received a bill with a {$69.00} increase. My account number is XXXX. I refused to pay because my contract with them on page 4 section 5 states that without written notice they can not increase my cost. I have copies of ( three ) to be exact of day -- date -- time and who I spoke to at XXXX XXXX and was told by all the people too bad you have to pay it. I have since signed up with XXXX. I am a member of XXXX XXXX and my XXXX credit card also keeps track of my score. Last week I received a notice from both stating that my rating which was well over XXXX dropped by over 60 points because of a {$600.00} debt to XXXX XXXX by a collection agency name Focus RM in XXXX XXXX XXXX XXXX. A XXXX XXXX owns this agency. How is it that without any written notice NO phone call to ask if I have proof that XXXX XXXX broke the contract and NO XXXX LETTER can ANYONE AFFECT MY CREDIT WHICH HAS BEEN WELL OVER XXXX for years.
Product: Credit card

I received an email from Delta Skymiles which offered me a bonus of XXXX miles if I would sign up for their credit card with American Express. I signed up for the card in XX/XX/XXXX, and completed their requirement of charging and paying for {$1000.00} on the card. I had just used XXXX miles on another American Express card in order to purchase a round trip ticket from XXXX to XXXX on XXXX XXXX. Since Delta is now a partner with XXXX XXXX, I assumed I could do the same with these miles. 
In the meantime, XXXX contacted me again and offered that if I would recruit more credit card users they would give me even more free miles, and also would give free miles to the new users. 
Yesterday I tried to go to the website to see how I could use the XXXX miles. Unfortunately, all the urls listed by XXXX in the search were for new people signing up for the card. There was no way on those sites for a credit card holder to log in. After a few minutes I found a place to log in, with my user name and password. I have never seen this practice before, as all other credit cards and bank account web sites have a place for account holders to log in. 

When I went on to the website and tried to transfer the miles to my XXXX XXXX XXXX XXXX account, it told me I was " not eligible '' to do so. I called the contact number and the person who answered told me that it was impossible to transfer miles to another account. Very curious as my other American Express card had that feature, and Sky Miles is part of Delta, which is in turn part of XXXX XXXX and XXXX XXXX. 
Today ( after about 15 minutes searching among the " offering '' websites for SkyMiles for one that would take a log in ) I tried to find out what the XXXX miles would actually buy. Instead of having a section ( as every other card company has ) that explains what kind of flight you can obtain with a certain number of miles, this website required me to actually book a flight. The first time I tried to do so, I was informed that the flight was not available for my miles. I was not told why that was so, and I still had no information on what kind of flight I could get for the miles. When I finally downgraded and changed the booking enough so that it listed a flight, it turned out I would need twice as many miles as needed on my other American Express card, in order to book a much longer and more inconvenient flight with several layovers. 
SkyMiles is still actively advertising their card and offering " special '', and I think they should be prevented from doing so. Their miles are not usable and are worth less, than they are on other credit cards. It is very difficult to access your account information or even to find out the values and utility of the miles. 
In the meantime, I have signed up for a useless card and wasted {$1000.00} charging there when my other card would have yielded miles that were actually useable.
Product: Student loan

I currently have a Fedloan that I began to pay on as of XX/XX/2016. The payments are never decreasing. I originally took the loan out for {$27000.00} and it then totaled {$50000.00} due to interest which is absolutely crazy and they never told me it would come out to that much interest. Secondly, I am in this Public Service Loan Forgiveness Program which after 120 qualifying payments they are to forgive the rest. Well, every time I make payments and ask they never go towards the qualifying payment but yet never have an answer of what QUALIFIES for the payments. And the topping on the cake is that lately for the past three months, they have been cashing the checks with all the wrong amounts. The payment is XXXX. This past month they only cashed the check for XXXX dollars when the check was written for XXXX dollars and it was written in three areas. They then charged me a late fee because they stated that I only sent the check for XXXX which I have the check in my bank statement for XXXX. They charged me XXXX after and stated I was late. The month before that they cashed a check for XXXX luckily I had enough in my account for that when the check clearly stated XXXX I called them multiple times on this matter also and they have no response just that they messed up but surprisingly I still owe the money like its my fault. Then the previous month before that I used my debit account well AFTER the payment was late they notified me a week later that the payment never went threw even though I wasn't late on the payment and they never told me the payment never went threw. I am very dissatisfied. The people working there never know anything, it is so frustrating meanwhile, I am the ONLY one probably paying these loans and they give me a hard time. Please tell me you can do something for me because what they are doing is wrong! And I need someone to get this right! Thank you. Please email me back at XXXX or call me at XXXX XXXX XXXX Thank you
Product: Debt collection

My late husband ran up huge debts, some in his name, some in my name. He XXXX XXXX in XX/XX/2015. My was XXXX XXXX, according to Texas law. I am being threatened by ARS, a company in California, for a XXXX card. I did not use, and was not even aware of that card. Apparently, XXXX XXXX XXXX " dumped '' an overdue card of his own, probably an XXXX XXXX card, onto a card in my name. I wrote a letter explaining this to XXXX, when I discovered the debt on my credit report. Now, almost three years later, I received a letter from ARS, threatening me, if I do not pay them, for outstanding debt of that card. I have sent a letter to them, as well, with a more lengthy explanation, and other supporting documentation. I will attempt to attach a copy here, without the other attachments, but will supply those, as well, if necessary. The most important this is : THIS IS NOT MY DEBT. If I am sued, I will fight this. I never used that card. I am XXXX. I sold my house to pay off any debts that might have been mine. I do not own a car. I think these people will be ruthless, and I am afraid, because, as I said, THIS IS NOT MY DEBT, and I am in very poor health.
Product: Mortgage

I had a home equity line of credit on my personal home with BB & T. Around 2010 I got behind on a few payments but then I was able to pay the account off and so the account was closed. The credit reports report the status on the account as paid and closed in 2010, but also report incorrectly this account as a FORECLOSURE that is incorrect and affecting my credit. I submitted a correction request with the credit reports but had no luck and the Bank BB & T refused to make the correction and they have NO prove that the home was foreclosed because I paid it off ( as the 3 credit bureaus report the account paid off, balance = 0 and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

As by FCRA law, and agreement per Wells Fargo. This account must be removed from my reports, as of yesterday. ( XXXX ) See attached letter from Wells Fargo with account number and proof of agreement to delete.
Product: Debt collection

We receive daily calls on our second, message-only, land line from XXXX XXXX XXXX. They call from multiple numbers ( so blocking doesn't work ) and don't leave any message. XXXX their caller ID name informs us that they are a debt collector. ( We do not have any debts and our credit score is excellent. ) We consider these calls harassment and want them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on  XX/XX/2017    about not being able to sign into and view my credit report. I was advised that there was no issue in their system and did n't know why I could n't view my report. It was also reported from others who had the same issue as mine. After being transferred among st 7 di fferent people and being on the phone more than an hour, I was finally in touch with a supervisor. Upon having a conversation with him and me requesting that I receive information on how they came to the conclusion that my inquiries and collections were mines, he told me that he would NOT disclose that information to me and all he was going to tell me is the information is verified as mine. I believe that is against the law and violates my rights! I was told that none of the inquiries could be taken care of or removed even though I advised that they were not mine, along with the collections that are reported on my account.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2024, I sent a letter to Experian XXXX and XXXX disputing specific accounts on my consumer report and requesting documentation to verify their accuracy. These accounts are inaccurate and incomplete. 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( XXXX U.S.C. XXXX ), I have the right to dispute inaccurate information and request proper verification. Section 604 ( XXXX U.S.C. XXXX ) states that no information should appear on my consumer report without a permissible purpose, which I did not authorize. Furthermore, my right to privacy under the Gramm-Leach-Bliley Act ( XXXX U.S.C. XXXX ) prohibits them from sharing or reporting unauthorized or unverifiable information. 
Credit agencys continues to mark these accounts as verified without providing any documentation or addressing my requests. This violates both my privacy and rights under federal law. I request CFPBs intervention to ensure compliance with these legal standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute three times that this account was not included in a bankruptcy that was filed XX/XX/XXXX. I opened the loan with XXXX XXXX XXXX with my spouse XXXX XXXX the day AFTER and never amended to include that auto loan in with the XXXX XXXX bankruptcy. My bankruptcy was discharged XX/XX/XXXX. I voluntarily surrendered this car XX/XX/XXXX. In XXXX of XXXX an agreed entry for a repayment plan was entered into with XXXX XXXX XXXX in XXXX XXXX courts. I made monthly payments in the amount of {$150.00}. On XX/XX/XXXX, I paid the remaining balance of {$10000.00}. XXXX is still reporting as I owed a balance of {$20000.00} roughly and it was included in XXXX  XXXX bankruptcy. I have submitted all documentation several times and neither XXXX nor Experian will correct this
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
XXXX XXXX XXXX Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : Unauthorized Inquiries : XXXX  - XXXX Collection Accounts : XXXX XXXX - XXXX These accounts listed above have been inaccurately reported and should not reflect negatively on my credit report. The continued reporting of these accounts as collections is misleading and damaging, and it is a violation of my rights under the FCRA.
Product: Checking or savings account

XXXXXXXX XXXX  withdrew {$600.00} from our account with counterfeit checks that were altered from an original check that we gave to a family friend 's son for his birthday. Check number XXXX was written to a XXXX XXXX for {$50.00} for his birthday on XX/XX/2022. When my wife checked our statement dated XXXX she discovered that check XXXX which had already cleared in XXXX of 2022 for {$120.00} to XXXX XXXX XXXX XXXX cleared again for {$50.00} on XX/XX/2022 to XXXX XXXX XXXX XXXX The check number had been altered and the date on the check had been typed in rather than handwritten like the original check. 

As she continued to balance the checkbook, she discovered check number XXXX also dated XX/XX/2022 had cleared for {$500.00} and check number XXXX dated XX/XX/2022 had cleared for {$50.00}. We are still using checks in the XXXX to XXXX range and have not even ordered checks in the XXXX range. Once she reported the fraud to me, I immediately filed a police report and filed a fraud complaint with Fifth Third Bank. Fifth Third Bank has denied the fraud and refuses to refund our money due to these counterfeit checks and their lack of security measures to protect customers. Fifth Third Bank is a disgrace for treating law abiding customers in this manner.
Product: Credit reporting or other personal consumer reports

Dear FactorTrust, Inc Consumer Center, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I wrote Experian, XXXX, and XXXX asking if they could look at the bankruptcy # XXXX it did not look right to me. On XX/XX/XXXX they respond back saying that the account was verified as accurate and remains. Attached is a letter that I received from XXXX on XXXX XXXX explaining that the account was deleted from my file. 

If the account is verified through XXXX, according to Experian, XXXX and XXXX that mean my consumer report needs to be updated to math my credit file. 
please remove from credit report immediately
Product: Credit card or prepaid card

Hello, forgive my writting but english is my second language. 
I purchase in vacation arts with Park West Gallery. I have received the arts and everything but I still haven't managed to pay the product. First of all, when I try to access the website to pay it didn't work. It took a month before I could get on the website of the bank ( SYNCHRONY BANK ). After accessing the website, I tried to pay right away the arts because they were already charging me interrest when the seller said I wouldnt have to make any payment until 6 month of receiving the arts. I bought the arts on XX/XX/2022. When I was on the synchrony website to pay the credit bill. It didn't work. I contacted clientel services and I ask them for others ways to pay. I offered to pay directly from my bank, with another credit card or with XXXX. They refused. The problem with my bank is that I'm XXXX and I have a XXXX bank accompt and they do not accept XXXX bank accompt for payment. This is really weird. I ask to the person I was talking to what can I do to make the payment? And they responded that I have to wait until they figure it out. It has been 2 month already. I took picture of the conversation that the person said they will get back to me shortly which he never did. I still receive bill for the payment and interrest keep increasing. I ask them to pay the full ammount right now to not have any interrest but they still don't try to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number - XXXX Sequium, is in violation of multiple laws set by Congress under the FDCPA : 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 4 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692c ( a ) ( 3 ), 15 USC 1692d ( 1 ), 15 USC 1692f ( 8 ), 15 USC 1692g ( b ) ; As the consumer I have a right to privacy and fairness.
Product: Payday loan, title loan, or personal loan

This was initially a loan that was like a payday advance loan that was tied to our checking account through Regions Bank. It at some point changed to a line of credit that I assumed I could only access through our checking account-like an overdraft line of credit. We closed our checking account and I [ wrongly ] assumed the overdraft line also closed. It did not. They charged us an annual fee that I was not aware of. Then charged us two late fees on their annual fee. A fee for a fee??? They also reported it on my credit report as 60 days late. I have no lates on my entire credit report for 7 years except for this insane issue. I disputed through the credit bureau they will not remove even though Regions removed all of my charges and closed the account when I contacted them about their error. Can they really do this? Make my credit take a huge hit because of reporting late over a fee!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I requested a credit freeze from all three major credit reporting agencies ( XXXX, XXXX, and Equifax ). I mailed letters to the three credit reporting agencies and provided the required documentation. I promptly received letters from XXXX and XXXX which froze my credit report and provided me with a PIN. I have yet to receive a response or a PIN from Equifax. I know Equifax received my letter because they deposited my personal check of {$10.00} which cleared on XX/XX/2017. 

I tried using the Equifax website to log a complaint but their website is useless and does not provide a way to email a customer service representative. There are only service phone numbers which are of no use to me because I do not have the time or patience to wait on hold on the phone for hours. 

I would greatly appreciate if you can help me resolve this issue. 


Thank you.