23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened an account online with Citi Bank from OH and setup Direct deposit from my XXXX XXXX XXXX XXXX XXXXXXXX. I received my deposit today. However, I have yet to receive my debit card, and I have bills to pay so I made a XXXX payment to a friend in the amount of XXXX as a test run then I tried to send {$490.00} but my account was unnecessary locked. I called several times to unlock my account as I have bills to pay and I'm facing late fee that the bank is not going to pay. I called approximately XXXX times and each time I " was told : " There is an investigation that will take XXXX hours '' This seems illegal to take my money for such duration without providing me with interest. I need my money released and I just want to move forward. Please release my funds as I have a family to feed and need gas to go to WORK!!!!!!!!! thank you. 

If my money is not released, I will contact my supervising attorney.
Product: Vehicle loan or lease

I have a problem with the US Auto Credit account on my XXXX report. Its hinders my ability to receive another car loan from a bad decision I made in my naive XXXX. Not only that, they are reporting unfairly in many ways. Ive asked the bureau to investigate two times in which nothing was changed. The account reports different balances across the three bureaus. However it was charged off in XX/XX/year> but continuously updates balance. This is further effecting my credit and updating statute of limitations. They sold the vehicle for its total worth in todays market but has refused to remove that from the balance as well. Lastly I wasnt informed about anything regarding the car after repossession or thoroughly contacted before repossession.
Product: Credit reporting or other personal consumer reports

I am so disappointed with my report, since I have been working with this incorrect information on my report for how many months now, I never received any response from my dispute. This account CAPITAL ONE with the account number XXXX is reporting 100 % incorrect. This account is always paid on time and was never late it should not be reporting as negative on my credit report. This oversight is unacceptable, especially considering the detailed letters I have previously sent outlining the errors. It is disheartening to find that my concerns have not been addressed in a fair and timely manner. They are reporting late payment but I was never late paying for any of my account. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to provide the requested information and validation, I insist on the immediate correction or removal of these unverifiable information on my report.
Product: Credit reporting

Our home ( primary residence ), as a result of 2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per credit karma but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX XXXX, XXXX and Equifax, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Arizona XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX  XXXX XXXX Date Opened XX/XX/16 Balance XXXX XXXX-Late/Open Late Date XXXX
Product: Student loan

I submitted a complaint on XX/XX/XXXX ( ID number XXXX ) and the lender responded, but did not address the main concern. I would like to issue a new complaint or reopen the original complaint. 

XXXX XXXX XXXX addressed the reason why the interest rate increased, which they explain was due to a missed payment before 36 months. I understand and accept the increased interest rate. Although, I have 40 months of on-time repayment history for the life of the loan. 

My main reason for reopening this complaint is that XXXX XXXX XXXX did not address why the number of payments was significantly reduced from XXXX payments remaining to XXXX payments remaining. The company is not accounting for the time in which I was in deferment while obtaining my XXXX XXXX XXXX at the XXXX XXXX XXXX nor my XXXX  at XXXX XXXX XXXX XXXX when calculating the repayment period. 

If necessary, I can provide a history of payments and proof of enrollment. Below is a general timeline of my loans and history. I would like the servicer to restore the number of repayments back to XXXX  months given I was enrolled at least part time during the below timeframes. 

Repayment begins XX/XX/XXXX. XXXX ) XX/XX/XXXX to XX/XX/XXXX : 3 months of on-time payments. XXXX ) XX/XX/XXXX to XX/XX/XXXX : in school deferment period ( XXXXXXXX XXXX XXXX XXXX XXXX ) ; XXXX  months no payments required. XXXX ) Repayment begins XX/XX/XXXX. XXXX ) XX/XX/XXXX to XX/XX/XXXX : 36 months of on-time payments. XXXX ) XX/XX/XXXX to XX/XX/XXXX : in school deferment period ( XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX  months no payments required. XXXX ) Repayment begins XX/XX/XXXX. XXXX ) XX/XX/XXXX : late payment In summary, the original loan was to be repaid in XXXX months. 

I have made XXXX full payments while in the standard repayment periods. This means I should have approximately XXXX payments remaining. The servicer needs to account for the periods in which I was in deferment in their documentation and calculations of my monthly repayment amounts. In the first submission with this complaint D number XXXX ), statements were provided that also support XXXX total months remaining to repay. The remaining balance of my loans paid over the full XXXX  monthly periods should be how my total monthly payment is calculated. Given all of the above, I would like the complaint initially filed to be reopened until complete resolution is found.
Product: Debt collection

Asked Medicredit Debt Collector to stop calling and harassing me. The company will not comply.
Product: Debt collection

Well on XXXX XXXX this client that had my services for 3 months decided to do a chargeback of the amount of {$60.00} after those {$60.00} were returned back to my account it was taken out again and my account back to negative but now with an extra {$20.00} on it so now im - {$80.00} on my account, after numerous calls to paypal regarding this case i was told is still being reviewed and it might take up 75 days, but no one told me that if the case is still being reviewed i had to pay the balance or i was going be sent to collection, no one gave a warning regarding that balance they just kept saying is still under investigation, and it will be taken care of by paypal. Its been almost 3 1/2 months since this case been opened and since paypal sent proof to the bank institution, So now i want paypal to fix this issue and get my credit score fixed because now paypal has ruined my credit score, If paypal is unwilling to take action against this case ill get a hold of my attorney and have them take action against Paypal Inc. If paypal can also do me a favor and close my account once they fixed this issue because for what just happened im staying far away from paypal as possible thats for sure. Once paypal has resolved my account and fixed my credit score i want my Paypal account closed asap. I Wont be doing bossiness or getting near paypal ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of 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. Here are the accounts that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$38000.00}.
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, MD XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$860.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance XXXX {$0.00XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Hello : ditech.com is my mortgage company. They placed an automatic forbearance on my account and removed my auto payment after Hurricane Irma. I called about a week after the storm to ask that they remove the forbearance and return the auto payment. This was confirm by the agent and recorded by them. I received a letter just a few weeks ago stating that my auto payment was never returned and the agent who I spoke with after I received the letter actually read back the notes confirming that I called and asked to have forbearance removed and auto payment reinstated. So I asked again the agent to remove the forbearance and install auto payment. 

I called this past week to check if this was done yet, and the agent at that time said I still have a forbearance and no auto payment. 

As I right this complaint, I spoke with an agent today that informs me that I dont have auto payment and forbearance is still active. She placed me on hold, which has lasted an hour. 

Ditech is not responsive, and it is purposely choosing to keep my in forbearance when I have asked countless times to remove me. I also have asked countless times to reinstate auto payment and yet they choose not to listen. 

Please help XXXX XXXX, XXXX
Product: Debt collection

Midland Funding, LLC has been on my credit report for XXXX years, XXXX months. It is for a credit card debt, I dont think I even owed and as a credit card debt, it shouldnt even be collectable at this point. They keep increasing the balance by {$1.00} everytime I dispute it with XXXX XXXX instead of responding. They also change the activity date to stay on my credit report longer.
Product: Bank account or service

Hi! I am writing in hopes that someone somewhere can help me I put my card on file at a budget rental car place on XXXX/XXXX/2016 on XXXX/XXXX/2016 they took out XXXX and some odd cents out of my account the funds were never available in my account so it went through and caused my account to overdraft I am not opt in overdraft protection so it should have never went through now I am having to dispute charges and wait 90 days for something I should have been protected against and I 'm livid and every customer service agent I get gets me no where.
Product: Debt collection

I didnt remember getting any paper work in the mail for this type of collection i have now in my credit report and i try to dispute several times and it keep coming back
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX Account # 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 without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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: Debt collection

Please see attached cease and desist letter that was sent to SECURITY CREDIT on XX/XX/year> for them to cease and desist as I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and demanded that they cease all communication with me regarding this matter, except as allowed by law. I also demanded that they cease and desist any and all collection activity under the law as well. As of date, SECURITY CREDIT continues to report this on my credit report in violation of applicable laws.
Product: Debt collection

andreu , Palma , Lavin & Solis , PLLC trying to secure money for XXXX who bought a debit from XXXX XXXX XXXX XXXX They stated that XXXX had received a judgement that the debit was valid, without my knowledge stating that I had made a payment in XXXX, Not true, my father died in XXXX and my money had gone to pay medical bills. I paid a settlement from my father to XXXX XXXX, I spoke with a man who had an XXXX accent and paid. 
XXXX has bought a debt that was closed years aga. I received a letter from XXXX, XXXX, XXXX and XXXX, When I called them I spoke with a man named XXXX phone number XXXX option XXXX, Who threatened me, said this judgement would last for 20 years etc. I had a legal group litigation practice group who challenged the legitimacy of XXXX claim, when I decided to cease the use of the legal group XXXX XXXX XXXX, XXXX, et. al showed up again with their terroristic tactics
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filling a complaint for not upholding the law for not responding to my 30 day to respond letter due to identity fraud with XXXX.
Product: Credit card or prepaid card

I had XXXX and on XXXX XXXX I paid XXXX XXXX on two transactions 1 ) for {$100.00} 2 ) XXXXXXXX XXXX said they never got the money as of yesterday!! XXXX said they tried to take XXXX dollars and it was returned.So that mean Card.com never paid XXXX the money. XXXX  turn my services off because of it and I ask for a refund of my XXXX .... I call card.com to file a dispute a they don't want to transfer the call to the dispute department.
Product: Credit card or prepaid card

I tried to make a transaction for an airline ticket on XX/XX/XXXX. The amount was within my unused credit amount. The CC company is Capital One. I have had this CC for over a decade. This triggerred a fraud alert. My account is linked to a land line and the CC company asked me for verification which I attempted to give them. They wanted a photo copy of my driver ; s license which I attempted to give them on line. It did not work. ( Do not know how my drivers license info would be kept private by Capitlal Onre ). I gave up after trying for 3 hours to get this recolved on XX/XX/XXXX. The person ID I spoke with is XXXX, I then got the transaction done on another CC that I have. 
On XX/XX/XXXX I called Capital One on another issue. I was immeadiatley sent to Fraud and asked if I had sent a snail mail copy of my drivers ' license to Capital One. I stated to them that I had not and do not intend to do so since I had gotten the transaction done thru another CC. capital One was adament that I needed to send in the drivers license even though I no longer wanted the transaction for the airline ticket. I have been using the CC since XX/XX/XXXX so I do not know why I need to comply.
Product: Credit card

A charge was taken from my Apple Card by a scam company on XX/XX/year> at XXXX. No services have been provided or any products received from the company. I immediately cancelled the purchase from the company, and no refund has been issued on the card. The amount was for {$350.00}. Goldman Sachs is supposed to investigate the issue but it should have been declined if there had been better security. I have not yet received a refund on the card.
Product: Payday loan, title loan, or personal loan

Loan was bought out by XXXX XXXX XXXX XXXX Never agreed to any of terms and adds a hidden late fee of XXXX dollars a day to loan. Still pulls it out of my checking account and saids Im late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Debt collection

AR resources inc. has been reporting a medical debt to the credit bureau in the amount of {$380.00}, according to the FCRA ( Fair Credit Reporting Act ) the new guideline that applies to all creditors that medical Bills/ collections under XXXX are not qualified to be reported to credit agencies. I called and spoke to them about it, and the lady was very rude and said that there was no such thing and hung up. 

Amount trying to be collected ( {$380.00} ) Collection issued on XX/XX/18 AR Resources inc. 
( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

: I recently reviewed my credit profile and noticed inaccuracies and false accusations. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being made by me there is no third party involved. I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e., title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached, and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. Furthermore, they are also in violation of the Graham Leach Billy Act 15 U.S. Codes section XXXX XXXX has removed the fraudulent inaccurate addresses and email address on my consumer report but has failed to comply with the Fair Credit Reporting Act and remove the fraudulent in accurate account from XXXX from my consumer report. If this fraudulent an accurate account is not removed from my consumer report within four days as required by the FCRA, I will file a lawsuit for damages for civil liability for willful noncompliance. pursuant to 15 U.S.C 1681n. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Indeed, no more than an affidavit is necessary to make the prima facie case. United States v. Kis, 658 F.2nd, 526, 536 ( 7th Cir. 1981 ) ; Cert Denied, 50 U.S. L.W. 2169 ;
Product: Student loan

Tried to access Nelnet website, however, I am unable to because of the " status of my account. '' The status is that I have am third-year in a five-year Chapter XXXX bankruptcy out of the XXXX XXXX of North Carolina. Not only do I want access to my account via online so I can make optional payments ( when I have the extra money ). I understand they are not required during my bankruptcy proceedings. Moreover, I want the most recent account balances ( with principal and interest balances clearly delinanated, and the grand total ). Finally, I want to be able to access the XXXX application. Right now, I am unable to because of the " status of my account '' message.