23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am not liable for this debt with XXXX XXXX XXXXXXXX XXXX , I do not have a contract with Midland Credit Management, they did not provide me with the original contract as requested.
Product: Credit card or prepaid card

On XX/XX/14 my card was locked by credit karma due to suspicious activity I confirmed my identity and was told my card was free to use but it wasnt useable they then asked for my Id and a bank statement which I gave them the same day and they still have my account frozen Ive called every day at least 5 times a day only for them to tell me there department is not capable of handling the issue and to look out for an email. There is XXXX locked on the card. I even asked if they could close the account and mail me money to which they told me Id receive an email to close the account and I still have not receive that email or any email for that matter.
Product: Payday loan, title loan, or personal loan

I got married and my car was due for registration this past XXXX. I reside in Alabama and originally financed a car ( in XXXX of XXXX ) through SunTrust, now merged with Truist. 
I have had nothing but hour long holds that end up getting dropped, phone calls for the same issue that never got resolved or was told multiple things for before prior to this issue I am filing a complaint for now. 

I went to my local DMV after being advised by Truist that I had to bring my updated marriage license and drivers license ( for my name change ) to the DMV ( since I do not live by a local branch anymore due to me being in the military ) so that they could send that along with a title request to Truist. XX/XX/XXXX was the first request sent over to Truist. 

It has now been sent over a total of SIX times from then. In the state of Alabama, a temporary tag can only be issued a total of 3 times. 

My last temporary tag expired on XX/XX/XXXX. 

I can no longer LEGALLY drive a vehicle that I am paying for. 

I went in for my second temporary tag on XX/XX/XXXX after calling the DMV and was notified that they had never received anything from Truist. I figured that it would take time and that maybe another month this issue would be resolved. It was faxed to a XXXX number AND a XXXX number after confirming with Truist the " correct '' fax number which was the first one listed. I let another month go by believing that the issue would surely be resolved. It was not. 

I went in for my third temporary tag on XX/XX/XXXX and was advised to call Truist and that my DMV would try to contact them since we had still sent over a request and never received anything. I called that day and called a couple days after and was told that the department was " 12-15 '' business days behind and to just give it time. 

Every time I contact an employee, it is something different from each person. The very last Truist representative I spoke to on XXXX XXXX gave me a number to the title center that deals with faxes XXXX. This was the first time after THREE months that she had told me that they had still not received any requests sent over ( a total of 6 as of XXXX XXXX ) and that I would have to initiate a name change request through CORPORATE. Not only has my information been being sent somewhere where no one knows, but this process is going to take " days '' after it has already been months. Every representative has told me there is nothing immediate I can do and that I would have to wait two business days before a manager can reach out to me. I am in a situation that is completely out of my hands. I was told that there was " never any note '' left on my account and absolutely " no record '' of any information sent. 

I am now losing money because I can not go to work since I can not legally drive a vehicle that I PAY for. I am in the military, along with my husband and neither of us are being taken care of.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$180.00}.
Product: Debt collection

I received a call and they left a message with a phone number and a case number. I called the number, XXXX. The lady mumbled her name and would not repeat it. She mispronounced my name and asked me to verify the last four number of my social, which she read to me. They were correct, but I refused to verify it. When I asked her, she said she worked for XXXX XXXX XXXX, a division of XXXX XXXX. She claimed I had taken out a loan with XXXX XXXX in XX/XX/XXXX and I had paid until XX/XX/XXXX. I am not aware of this loan. She did not give the required statement stating she was with a debt collector. She claimed to keep looking up my information, and there was lots of background noise. I have never heard of XXXX XXXX and I am very sure I did not borrow money during that time period.
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and noticed that I had FOUR late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

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

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have attached files which includes all updated personal information Sincerely, XXXX XXXX
Product: Mortgage

Bank Of America Acct # XXXX In XXXX of XXXX I did an EFT from my savings acct at XXXX to my mortgage loan at Bank Of America. The representative for BOA credited my mortgage loan XXXX but did not debit my account at XXXX {$120000.00}. In XXXX, I then received a payoff in the mail from BOA in the amount of {$150000.00}, on XX/XX/XXXX I made that payoff of {$150000.00} and received A CONGRATULATORY LETTER and my note stamped PAID IN FULL. 
In XXXX of XXXX, I got a nasty letter from BOA demanding {$120000.00} within 48 hours or my loan would be reinstated. I was unable to come up with {$12000.00}. Shortly thereafter, I received another letter from BOA stating my loan had be reinstated and the new balance was {$130000.00} with an interest payment of {$430.00} and principle payment of {$1100.00}. 
I had missed 7 payments due to Bank Of Americas error. If my interest charged with each payment is {$430.00} x 7 ( months ) = {$3000.00}, BOA had charged me {$10000.00} in interest!!! Which means they charged me {$1500.00} per month in interest vs {$430.00} BOA overcharged me {$7800.00} in interest
Product: Debt collection

I continue to receive emails before XXXX from Upgrade. According to Florida law it is illegal to contact an individual by phone, text or email prior to XXXX. This has continued to happen multiple times from Upgrade. I have already reported this issue and nothing has been done. If this continues without a resolution, I will seek legal action.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

My name is XXXX XXXX, I live with my wife XXXX at XXXX XXXX  XXXX XXXX XXXX MA. Our income was affected by COVID-19 and we apply for mortgage assistance with servicer of our first mortgage Specialize Loan Servicing ( SLS ) on XX/XX/XXXX. We request postponing of mortgage payments for 12 months supplying SLS with all required documents. At some point SLS deactivate the file claiming that some document were not received on time. Eventually the file was reactivated and on XX/XX/XXXX per SLS request, new ( or same ) documents with dates and signature were provided. In subsequent phone call to SLS on XX/XX/XXXX ( speaking with XXXX ) XXXX ( speaking with XXXX and XXXX ) XX/XX/XXXX ( speaking with XXXX ) XX/XX/XXXX speaking with no name given ) XX/XX/XXXX ( speaking with XXXX ) XX/XX/XXXX ( peaking with XXXX ) and XX/XX/XXXX ( speaking with male -no name given ) it became clear that SLS process is slow and inefficient, different reps see different outstanding items and not willing to assist effectively. SLS allegedly have documents with missing signatures or missing dates. We supplied thise documents several times to no avail. They were all submitted on XX/XX/XXXX, XXXX XXXX XXXX and again on XX/XX/XXXX, almost two months after initial application. It seems that SLs is not willing to be of any help and move this process swiftly requesting same documents postponing this deferment of the mortgage payments. 

We feel hapless dealing with SLS as the process goes in circles.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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

I made a transfer of available funds from the card to my personal bank account and after 6 days my funds still hasn't showed up. There is no one to contact for this card no live rep as stated in their paperwork. There is only a automated system. I can't reach a live person to question what happened to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting to the credit bureaus that I have a {$100.00} credit limit, but my balance is {$270.00}, I called to ask why are they reporting it like that, and was told " your credit limit is {$100.00}, but we allowed you to purchase items totaling {$280.00} '' First item {$92.00}, on a {$100.00} credit limit ... the next item was {$180.00} on a {$100.00} credit limit, so why would they do that, it makes the customer look like they are way over the limit, why not report the total balance you allowed to be purchased? 

Spoke with rude supervisor XXXX, he said " it's over the limit due to missed payments '' NO, it's over the limit because of the charges you allowed I fell behind after Covid and out of work, but it is not the reason it is over the so called {$100.00} limit, This should not be allowed Also I never was told I had a credit limit, when I made the first purchase of {$92.00}, I could have ordered {$300.00} worth of merchandise, the first rep told me that I didn't have a credit limit, he hung up on me and I called back and asked for supervisor
Product: Student loan

I requested a copy of my credit report and found a court judgement from SLM Private Credit. I do n't know what this debt is for, and the judgement was placed in XXXX Court in XXXX which does n't make sense since I have lived in XXXX for the last XXXX years. I sent several debt validation letters to both Sallie Mae and XXXX to try to figure out what this is and if it was one of my school loans being serviced by both companies and I have yet to receive a response. I 've tried to obtain these records for about four months now and I need help because it is effecting my ability to get a job.
Product: Credit reporting or other personal consumer reports

My account with 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 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting information on my report without properly verifying. I kindly ask that they use the guidelines of the 609 section in fcra and they failed to do so I also did not receive any documentation that show that the information is actually what it is. The company did not send me the information they used to make the items i disputed mine. They are required to have that information on hand and provide it as proof when I ask for it, exercising my writes using section 609 of the FCRA.
Product: Credit reporting

I purchased a vehicle from XXXX XXXX XXXX XX/XX/XXXX. Due to their erroneous credit reporting all consumer trade lines had to be hidden/removed from individual reports. All of the consumers trade lines have been added but not consumers who 've had a bankruptcy. My bankruptcy was dismissed because I opted to pay all of the debt and XXXX 's vehicle was never included in the BK. For the last 3 1/2 years I 've made every payment on time however in XX/XX/XXXX XXXX reported me as late so I understand the reasoning behind the judgement. Over all this has been a horrible experience and I will never do business with them again however I would like the benefit of having this line added back on my credit report. I would like to obtain a new car loan with a new lender to have this positively reflected on my report but because the last 3 1/2 years did n't happen I am back to having a negative car loan experience and higher interest rated. Please advise.
Product: Debt or credit management

PORTFOLIO RECOVERY Reported : XX/XX/XXXX - {$690.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$690.00} Highest Balance {$690.00} Opened XXXX XXXX, XXXX ( 1 yr, 3 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX  XXXX XXXX XXXX  Closed No Info Creditor Information PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX The law clearly states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communications with the consumer. 15 U.S.C. 1692c ( c ).
Product: Credit reporting or other personal consumer reports

During the periods that these account where open I was incarcerated and never opened these accounts. The accounts use a middle name that I never use and these accounts have the wrong address and contact info. 
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: Credit reporting or other personal consumer reports

Subject : Unauthorized Charges and Incorrect Credit Reporting by Citibank for XXXX XXXX Credit Card Description : I had a XXXX XXXX credit card issued by Citibank, which I had used to subscribe to a XXXX service. The subscription was approximately {$7.00} per month. Despite my attempts to cancel this subscription directly with the XXXX service, they continued to charge my card. I engaged with Citibank multiple times to dispute these unauthorized charges. Initially, Citibank acknowledged the issue and claimed it was resolved. 

However, the charges inexplicably reappeared on my statement several times. I continued disputing these charges with Citibank until I was reassured that the issue was permanently resolved. Believing the matter was settled, I paid off the card 's balance in full and ceased using it, under the impression that there would be no further issues. 

Unbeknownst to me, the charge reappeared once more, amounting to around {$7.00}. This time, due to additional fees and interest, the charge ballooned to over {$230.00}. Since I was no longer monitoring this card, I was unaware of this new development until the account began showing late payments at XXXX, XXXX, and then 90 days past due, eventually leading to a charge-off in XXXX. 

I disputed this with Citibank, explaining the situation and providing evidence of my previous interactions regarding the XXXX charges. When this did not resolve the matter, I also filed disputes with the credit bureaus. Instead of rectifying the situation, these actions resulted in further negative impacts on my credit score, as the disputes were not handled in my favor. 

This situation has had a significant adverse effect on my credit report, despite my efforts to resolve the unauthorized charges and the initial support from Citibank in acknowledging the error. I seek immediate action to correct my credit history and remove the late payments and charge-off from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a five year loan with carmax, the loan was paid off in full in XX/XX/2018. I paid a payment ever month, in XXXX my credit was hit with a 30 day past and 54 points. I called and was told that I had late fees of XXXX for two years. I was never called or advised that I had these late fees or that my credit would be hit. My payment was XXXX per month. I paid that amount every month. Once I was told about the late fees I paid the balance off in full. I was never sent a demand letter or a notice at all. I didnt have a loan for late fee amounts. I satisfied my loan obligation in full. I asked hem to remove from my credit and was told per policy they could not.
Product: Student loan

My federal student loans are serviced through Navient. Every year I have to renew my income-based repayment plan, as my payment would otherwise be almost half my monthly income. Every year I submit this on time. Last year, I paid Navient twice at the full amount while they were processing the plan because my loans were on auto-pay. This year, I submitted the plan XXXX XXXX, and Navient has been " slow to process requests due to an unexpected increase in the volume of claims. '' Tonight I again received a full bill for XXXX XXXX. Navient has been sitting on my income-based plan for more than a month. I fail to see how they are still experiencing an unexpected increase when they said the same thing to me last year. Their " responsive '' ( no joke, it actually has that in quotes on the top of the page ) website does n't even have good documentation of the status of my request, though they did send me an email confirming that they had received it which I am keeping in case things go the way they did last year. It 's ludicrous that something that should be so easy ( other loan providers for my wife already got back to her about her plan ) is always so difficult with Navient, generally to my detriment through no fault of my own.
Product: Mortgage

I was placed on the COVID-19 forbearance program for 12 months on XX/XX/XXXX. When I called in today on XX/XX/XXXX to extend it until XX/XX/XXXX I was told I could not extend it. Thy verified that the program was 12 months and repeatedly confirmed the start date but said that they could only keep me on the program until XX/XX/XXXX. 

I am currently in the process of acquiring a second job and would have been able to pay the balance by XXXX of XXXX, but now that they will not extend it and I only have 2 weeks to apply and get on another forbearance, the mortgage company has caused me undue hardships that will affect my credit score. 

I would like the mortgage company to keep their contractual obligation to keep me on the covid 19 forbearance for 12 months until XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXXXXXX were sent funds $ XXXX on XX/XX/. On same day XXXX XXXX XXXX XXXX XXXX XXXXXXXX executed return to me sender XXXX XXXX same day because PayPal thought the transfer was fraudulent. It is now XXXX and PayPal has not returned funds to sender me XXXX XXXX. PayPal is floating funds and earning interest on funding that should have already been returned. With real-time payments, this refund is going over the normal cycle time.
Product: Student loan

Contacted EdFinancial on XX/XX/XXXX to request a refund of payments made. Was quoted up to XXXX months for approval and was not provided any documentation that the request was approved. On XX/XX/XXXX contacted again via phone to inquire time when balance would reflect on the EdFinancial account and was told only at the same time the refund was issued. Asked about processing time to know when refund has been sent to Department of Education and was quoted up XXXX months. Inquired why other services were quoting XXXX weeks and EdFinancial was significantly longer and rep could not give an answer. Inquired how I would know if refund was sent for processing and rep could not provide any information. Inquired of refund would be sent for processing before forgiveness and rep could not answer. EdFinancial is not forthcoming with information and seems to be purposefully withhold information to discourage customers from applying for refunds.