23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Bought a car from CarMax and loan is through CarMax auto finance. They falsely advertised the inspection of the car and it died in 30 days. I surrended it back and WAS told by the first calls to CarMax auto finance to leave it there at there repair partner shop XXXX XXXX. Waited and found out CarMax abandoned the car and the loan as stated in multiple call records. XXXX XXXX took ownership of the car and sold it. CarMax auto finance is the title holder of the car and they were responsible for the car and abandoned it. They no longer own the title to the car and will have to reach out to XXXX XXXX  for the loan payoff as they took ownership of the car and sold it. I'm not longer responsible for the loan as the states multiple times in call records that's they abandoned the car and the loan and no longer own the title. Police report was filed as I thought the car was stolen but found out it was sold by XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The situation at hand is causing me considerable distress and affecting my XXXX XXXX. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Product: Mortgage

The rain and wind during hurricane Maria caused damages to the property. The company released funds in two instances The last amount to be released has not been received. Also, although the insurance carrier adjuster report clearly states that an amount for ceramic tile was not included in the check ( add the columns, the tiles are not included there and it totals the amount of the check ), I was arbitrarily requested to get a letter from the insurance carrier stating what is obvious. Contacting the company is time consuming, the new telephone number to inquire about status of check and to send the letter from the insurance carrier is continuously busy. The website address furnished to submit the insurance carrier letter does not exist in the Internet. Although an inspector came to the property and furnished them with a report stating that the house is repaired and that the ceramic tile was excluded from the payment, still no intelligent and articulated conversation with the representatives. It is a merry go round to speak with them and I have spent countless hours on the phone. My contact via telephone and via email with one of the representatives has not bear fruit. 

I need help with the following : status of a check that was allegedly issued in XX/XX/2019, and where to send the insurance carrier 's letter regarding the ceramic tile. Be advised that the money is owed to XXXX XXXX. 

Also, the property is located in Puerto Rico, and the people answering the XXXX line do not exist. When you finally find someone that speaks XXXX, the communication is so poor that there is no way that a conversation is possible. 

Please contact my daughter that is authorized in the account.
Product: Money transfer, virtual currency, or money service

Hi, I transferred some amount using riamoneytransfer.com to my XXXX account almost 3 weeks back. 

I waited for 2 weeks, money was not credited in XXXX Account, then I had to cancel it and request for refund, but its been more than a week now, they are not giving proper status updates and are not refunding my money back. 

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

I have been sending countless letters appealing to Experian to verify the disputed item and remove it if unable to prove that the Item is mine. I have been a victim of Identity Theft and the item I am disputing does not relate to any transaction that I have made or authorized. Neither did I receive any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Experian about the theft of my Identity and that the item was never mine, Experian never cared nor paid any attention to my Disputes. XXXXm attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need you to remove this account completely from my file : XXXXXXXX XXXX XXXX
Product: Student loan

I have about 12 student loans because my daughters and I were in school together. So I also have Parent Plus Loans. We all graduated and we are either in deferrment or are actively paying the loans back. My oldest went to XXXX XXXX in XXXX, MA and my middle daughter went to XXXX XXXX XXXX and then XXXX XXXX. I went to XXXX XXXX  XXXX I was in EBR with Navient last year, not including the Parent Plus loans. This year recertification has to be completed I believe by XX/XX/2018. I called Navient to say I did not want this upcoming EBR to be based on my last year 's XXXX tax return as I was 1 ) working at the time and 2 ) inherited my parents ' estate.This year I worked intermittently and am now on Unemployment. I have annuities ' income from my parents ' estate which I reported to Navient a month ago, along with several other incomes including Social Security. 

I was advised by Navient representative if I didn't want to use the XXXX, I am to USPS mail the EBR application and send in all proof of income documents with it. 

This I did a month ago. Since then Navient has handled the information with lies, inaccurate feedback, withholding of information and just generally trying to make me fail the deadline. I have repeatedly responded with everything they've asked for with the exception of the XXXX, which they want but which I was told I do not have to submit. I keep uploading onto my Navient account inbox response letters and any additional documentation for which they've asked, with the exception of my response to the " requirement for gross income '' letter. The Navient Advocacy Dept. recited it to me on XX/XX/XXXX. It was dated XX/XX/XXXX but was never sent to me. Nevertheless, I sent to them proof of all gross income for everything I reported to them. They have it as of this writing. 

My income this year is much lower and I am a XXXX citizen with a XXXX adult son so I am trying to hold onto as much money as I can. 

I have done and submitted everything Navient has required but more than once I have received back a letter stating my loans are not eligible for EBR because they are Parent Plus Loans ... four of them are but nine of them are not! 

As well, when I requested EBR a year ago, I was told by Navient representative it had been passed to the Dept. of Education and sat unprocessed when in fact it was at Navient and sat unprocessed. I spent months listening to Navient 's lies to me so it could deflect my legitimate request. Finally it was processed but it was as difficult if not more so last year. 

I have sent Navient about 40 documents so I attached only one of my complaint letters, below.
Product: Student loan

I believe that FedLoan Servicing ( Pennsylvania Higher Education Assistance Agency ) is unintentionally mis-reporting tax information for annual student loan interest payments for a calendar year to the IRS. I receive a document stating how much interest on my student loans is paid each calendar year in XXXX for the previous year. The numbers provided on these statements to me, the consumer, do not match the interest loan payments I made for the life of my loans, nor to the calendar year which FedLoan appears to be reporting on. 

In addition to this, account information is not directly accessible via their website after student loans are paid, they must be manually requested by the consumer from their support department, as they block access to the " Account Access '' portion of their website once all your loans are paid. When I received a copy of my student loan payments for the life of my loan ( FedLoan serviced my loans for at least the entirety of my repayment period ), I did a complete reconciliation of every payment, along with principal, interest amount, and residual balance after payment, from my personal records to the records FedLoan supplied, and my personal records were perfect. As a note, my loans are completely paid off, so I do know the absolute total amount of interest I have paid across each of my 4 loans, as well as in total ; see below. 

The meat of the problem lies here - FedLoan reported to the IRS that in XXXX I made student loan interest payments totaling {$140.00}, and in XXXX I made interest payments totaling {$510.00}. I do not have a statement for XXXX, and will not until XX/XX/XXXX. That being said, my personal records and the records provided directly to me by FedLoan state that my total interest payments for the LIFE of my four loans, across all loans, is {$540.00} in aggregate. This number, the true interest payment total for the life of my loans, is significantly lower than the total {$660.00} that FedLoan has reported to the IRS for the XXXX and XXXX calendar/fiscal years. 

FedLoan ( Pennsylvania Higher Education Assistance Agency ) has mis-reported my total student loan interest payments to the IRS, which affects the true deduction amounts that the IRS is expecting me to take on my tax returns each year. Please reach out to me for any clarifications or identifying information in order to validate these statements.
Product: Student loan

To whom it may concern, I attended XXXX college from XXXX-XXXX  and I was under the impression that 4 of my school loans would not accumulate any interest which was not true. I was approved for 5 loans in total while in college due to hardship, but each one those loans has accumulated a high interest rate. In fact, one of the loans that I was approved for back in college was {$2500.00}, but now Im having to pay ( Navient ) {$2000.00} in interest which is insane. Im a part/time worker as of right now and I remember explaining this situation to ( Navient ) on last year, and they didnt seem to care about it. How can I be charged so much in interest, and I barely gross {$10000.00} yearly. In my opinion, something should be done about this problem because I live on a fix income and Ill never be able to pay off this debit anytime soon if ( Navient ) cant find away to help me. I also signed up for their Income Driven Plan back in XXXX  but the interest is steady rising each day seem like it. Can someone help me? Is there anything I can do to have the interest lower? I really need help with situation right now! Thanks!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and equifax as well As XXXX XXXX continue you report negetive info about my report without my written consent they keep allowing 3rd party debt collectors report and they infringed on my privacy15 us code 1681 a also n 18 us code 8 I mean I am my own creditor I have unlimited Credit yet its the law that they inform me about reporting on my report then they have to have my consent to do So but they never have
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

My account with 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 in XXXX days 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 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 8
Product: Debt collection

On multiple occassions I have been discriminated against because of my age. Repeatedly they refer to my age and how someone my age can not make payments, they have never come across someone my age that has a problem making payments, how I should be embarassed because someone my age should not have these financial problems, and how me being a grown man shouldn't be in this situation, and more. This has happened both on email ( which I have saved ) and phone conversations over the past several months. All phone calls are recorded as they state at the beginning of each call however I doubt they are and are being deceptive, but I would refer tot hem on obtaining them as you'll hear much more.
Product: Credit reporting or other personal consumer reports

Transunion violated the Fair credit reporting act that was established to protect consumers. By reporting fraudulent information on my consumer report without my permission or conducting an investigation, has caused a significant impact on my score and my mental health. Under the credit reporting act, it clearly states in 15 usc 1681b that a consumer reporting agency may furnish a consumer report in connection with any credit that is initiated by the CONSUMER ONLY .... if ( A ) the CONSUMER AUTHORIZES the agent to provide such report to such person. Transunion was negligent in furnishing my consumer report in which is discriminatory and has caused me to be denied credit and to lose out on business opportunities and income.
Product: Debt collection

this has been ongoing for several years now. I have reported this company before. They call my house starting at XXXX and continuing till XXXX or later. They have been told by me that the person they are looking for does not live here. 
Company name is Portfolio Recovery. They call from many different numbers. Last 0ne was XXXX.
Product: Checking or savings account

Navy Federal Credit Union Literally charge me more than my rent in overdraft and returned check fees ( EVERY MONTH ) My account never ever dips negative, however they still charges me because they post their transactions the in the order they want so they intentionally be able to charge to predatory fees. They caused too many transaction to bounce just because i wake up almost every monday and i find 4x ( {$29.00} returned check fee ) and my balance can cover 4 of them, when i call they said the balance is not posted yet which makes me crazy because i can go to an ATM and take it all out. 
Here 's a list of overdraft fees charged by navy federal just in the last couple month equaling {$500.00} XX/XX/2021 Overdraft Protection Fee Debit - {$40.00} - {$540.00} XX/XX/2021 Overdraft Protection Fee Debit - {$40.00} - {$520.00} XX/XX/2021 Overdraft Protection Fee Debit - {$20.00} - {$380.00} XX/XX/2021 Overdraft Protection Fee Debit - {$20.00} - {$190.00} XX/XX/2021 Overdraft Protection Fee Debit - {$20.00} - {$48.00} XX/XX/2021 Overdraft Protection Fee Debit - {$20.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$60.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$60.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$40.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$60.00} -- XX/XX/2021 Overdraft Protection Fee Debit - {$60.00} -- Those are the fees charged for allegedly claiming that checks bounces. 
XX/XX/2021 Insufficient Funds Debit - {$29.00} {$1600.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} - {$580.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} - {$550.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} {$140.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} {$170.00} XX/XX/2021 Insufficient Funds Debit - {$29.00} {$550.00} XX/XX/2021 Returned Check Fee Debit - {$29.00} -- XX/XX/2021 Returned Check Fee Debit - {$29.00} I tried contacting them but customer server is so rude and takes over 20 minutes to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has many discrepancies between the reporting to my credit report, the information given to me by their customer support and the information given to me via billing statements. These discrepancies include minimum payment and due date. Because I acted in good faith in the information given to me by Capital One it has giving Capital One an illegitimate reason to report negative payment history to my credit report. Although Capital One 's customer service agents concur with my grievance, Capital One continues to harm me by report negative information to the credit bureaus. In addition, Capital One waited 5 months to report that I made a late payment but that payment was not late based on the information given to me by Capital One. Is it a violation of the Fair Credit Reporting Act not to report in a timely manner?
Product: Mortgage

I paid off my mortgage and SunTrust Bank issue a check to me for my escrow amount of {$2100.00} on XXXX XXXX. After several weeks I did i did not receive it and assumed it was lost so I called them on XX/XX/XXXX and asked them to cancel the check and reissue it. They advised me they had to wait 30 after issue date and to called back. I called them on Monday XX/XX/XXXX. The told me that the check had been returned to them on XX/XX/XXXX and sent it to the states unclaimed money department. I asked them why didn't they wait as they knew I was going to call. The employee told me they have a record of my XX/XX/XXXX call and my updated address but something must have happened and it was too late to cancel and reissue. i called the unclaimed department and was told it won't show on their books for months. {$2100.00} is a lot of money to me.
Product: Checking or savings account

On XX/XX/XXXX I was notified that there was a fraudulent charge on my account. I immediately called my bank ( USAA ) and told them this charge was not mine. It was for XXXX XXXX Live tickets in XXXX for over {$1100.00}. When I called them they assured me that it would be taken care of. A few days later they credit my account for the fraudulent amount. On XX/XX/XXXX I was sent an email saying fraud claim denied and that they would be taking that amount back out of my bank. They attached a document, which they call evidence. They say to contact the merchant in XXXX to figure this out or call usaa number. The document showed that the customer, XXXX XXXX, from XXXX XXXX, CT is the purchaser with my card. I do n't know a XXXX XXXX. After some research he is a XXXX year old man. He is not an authorized user, the zip code doesnt match, I did not authorize this. I called USAA and this is where the trouble really starts. After almost 20 calls I keep getting passed to their executive resolution team who says they cant see anything. They tell me they re submit to fraud and to wait another 90 days. I call again after 90 days and explain. Then I get passed to fraud claims. Then back to Executive resolutions who promises to give me a call back within 24 hours. No calls returned. Never spoke to anyone that is actually helping me. They all appologize and say they can do nothing. Today XX/XX/XXXX I called and they are saying that since it 's over 120 days old that there is nothing to do and they have to follow policy. I can never get help and no one will escalate this to someone who can actually help. Now USAA is saying they are closing my account because I havent put in money in it during a certain amount of time. Im not going to put money in my account in fear of my money being taken and stuck in this endless loop with USAA. Furthermore the last person I spoke to said that it was in " charge off '' status but couldnt explain what it was. It sounds like USAA is preparing to put this on my credit.
Product: Debt collection

I never opened an account with the company listed below. I asked them to send me information to validate this debt that bears my wet signature and they refused.

By FCRA law, no collection account should have any past dues balances. If they can not produce the documents that validate the debt that they claim within 3 days, I will follow up with a legal suit. Because this is fraud. I asked them to cease and desist from contacting me by phone, by my employer 's phone, and by entering information on my credit report. Please remove it immediately! 
Account info Account name SOURCE RECEIVABLES MNGMN Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$960.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$960.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$960.00} Highest balance - Terms 1 Month On record until XX/XX/XXXX Please remove it immediately!
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to find an unauthorized inquiry on my credit report, and I have no idea how it got there. When I checked my report, I saw discrepancies that shouldnt exist. I even refreshed my browser, hoping it was an error, but nothing changed. I am extremely upset about this situation and demand an immediate resolution. Please verify the documents Ive submitted so I no longer have to stress over this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a credit card from XXXX XXXX. It is not mine. I contacted this creditor and informed them that this is fraud. I don't have this card and never applied for it. They are still reporting it on my credit and whoever has the fraudulent card is still charging on it because the balance is steady going up. XXXX XXXX never even closed the card out