23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan servicer is Mohela. I submitted a general forbearance request along with the required pay stubs on XX/XX/XXXX. 2 days later I checked the website and it confirmed it was received. Then 2 days more I hadn't had any contact from them, ( the first time I had a forbearance request approved they were very fast about it ). I then checked the website to see if I had any messages, there were none, but my general forbearance request dated XX/XX/XXXX was NOT ON THE WEBSITE anymore. 
Then I tried calling ( if not everyday, every other day ), phones are busy all day all the time. I tried going to the contact us page on the website and the link is disabled, you can not send any message to them. 
I have no way of contacting them. As of XXXX I am considered in late payment with another due XXXX. I am down to one job so its a tough time for this to happen now. 

How do I reach them? 

Thank you XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello. I received a letter in XX/XX/2023 from R.T.R Financial Services Inc stating that a debt of {$87.00} is past due to XXXX XXXX XXXX. I was given an option to dispute debt which I did asking them to provide me more information or statement of this debt. On XX/XX/XXXX received another letter stating that R.T.R Financial Services Inc urge you to make full payment at once by remitting the balance due in the enclosed envelope without providing me any statement of this debt which I requested to ensue this debt is owed by me. Further more they started harassing me by placing calls from phone number XXXX. 
I think this is not my debt and if it is I need statement of debt information. 
This harassment needs to be stopped. My account number listed on the letter received is XXXX. 

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

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act XXXX finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXXXXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting or other personal consumer reports

Self/southstate ban has been reporting a paid account negatively on my credit report! I owe no debt to this company whatsoever and have requested removal from this company several times! XXXX XXXX XXXX is also reporting a paid account negatively on my credit report! I owe {$0.00} to these companies! I am aware of my rights and laws and will like to take further actions! I want these companies to remove any negative information/collections from off of my credit report immediately!
Product: Mortgage

When we bought this house in 1977 it was not in a flood zone. In XX/XX/2016 Freedom mtg. informed me we were in a flood zone and had " 30 '' days to get ins., my agent said he could not get the ins. that fast. I called Freedom mtg. they said they would make note of that and I said I would have a policy to them as soon as possible. They proceeded to get their ins. and said I needed to pay the premium or they would foreclose. After receiving my policy they canceled theirs, then sent a letter saying they were going to foreclose because I had n't sent them {$140.00} for the time they had placed flood ins. on our property. I paid the amount within the 35 days, in fact I still have 20 days left. I received 12 letters in 2 days saying they were going to foreclose and now they have ordered an appraisal and are going to charge me for that. They are about to drive me insane and I would never refer anyone to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Take note that XXXX ( Original Creditor : XXXX XXXX  ) XXXX is not my collection. I do not owe this company, collection agency never contacted me to discuss about this alleged account. I did not sign up for an account with XXXX I do not have an acknowledgement with the original creditor, I did not sign up for an account with XXXX, Remove XXXX ( Original Creditor : XXXX XXXX  ) XXXX from my credit report
Product: Consumer Loan

My wife and I had purchased a vehicle from a dealership, and the bank the they used has now refused to give us the Title, since a Medical condition caused us to falter on the last few payments. The bank in question has been playing " hide & go seek '' with the Title, using various other institutions as a penalty to us. I once told them to come and pickupt the vehicle, AFTER they made contact with me, but they didia random drive-by to try nd pick it up. When it was n't in front of the house, they then used this tactic as an excuse to with-hold the Title, and claim we did n't deliver as promised. I have multiple documents to demonstrate their devious tactics. The first company they claimed was holding the Title was the " XXXX XXXX, '' in XXXX, MA. Then when I contacted XXXX, they stated in an UNDATED letter that " XXXX XXXX XXXX '' ( XXXX XXXX, XXXX ) to make arrangements to return the " collateral. '' No mention of me acquiring the requested XXXX. The envelope is dated for XXXX XXXX, 2015. BB & T was provided with every piece of Medical information to demonstrate why my obligation to meet the payments were not met. Instead of obtaining the vehicle under professional and mutual means as I attempted, on numerous occasions, they instead started playing with my already XXXX and will, after the well documented XXXX ( " XXXX '' ).
Product: Credit reporting or other personal consumer reports

This is regarding a XXXX XXXX credit card. On XX/XX/2023 I made a charge of {$21.00} on this credit card that I rarely used. I made this small charge to keep the account active as I know some companies will reduce the credit limit or close inactive accounts. 

My account was set online for paperless, and I expected to receive statements via email. I did not receive any statements or late notices, so I did not know to pay the {$21.00} balance. I finally was made aware of this balance when I received an alert from TransUnion. At that time I paid the balance in full immediately. At this point I searched my email folders ( In-box, Junk, Spam and Trash ) for XXXX XXXX and XXXX and found no statements. I also confirmed that my email address was correct at my online account. Again I received no late notices via email or postal mail. 

As a result of XXXX late payment reporting to all 3 credit bureaus my credit score dropped significantly. Attached is a FICO graph from XXXX that shows a drop of XXXX points within 2 months due to this late payment of a small balance of {$21.00}. I took pride in my high credit score of 800 + and I always pay my bills on time when I know about them. 

There was a failure in XXXX system as they didnt send me statements or late notices. This is considered negligence. The damage they caused to my credit score will cost me thousands of dollars in higher interest rates for new credit accounts and mortgages. 

I wrote two letters to XXXX about this issue on XX/XX/2023 and XX/XX/2023 and their response was that their credit reporting was correct, however, they refused to respond to their negligence of not sending me statements or late notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my credit file with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports an inaccurate account that has not been investigated, nor a notice of dispute recorded, This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, TransUnion Last payment does not coincide with TransUnion payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX have an account listed on my credit report for {$4300.00}. The company is stating they are collecting a debt owed to XXXX XXXX for a lease agreement that I was declined for. Ive disputed this debt with XXXX XXXX and XXXX XXXX XXXX on numerous occasions and they refuse to remove this fraudulent account from my credit report. As a military member this debt has caused me significant financial harm and irreparable damage to my military career. Ive attached to this complaint a copy of the e-mail denying my application for a lease but the company still placed this account on my credit report fraudulently as if they offered me a lease. Due to this, Im requesting that this account be immediately removed from my credit report according to the FCRA as well as this company provide me with financial compensation for the harm caused to my career and my credit. Should this account not be immediately removed from my credit reports I will also file a complaint against XXXX XXXX  with the Georgia Attorney Generals office and a complaint against XXXX XXXX XXXXXXXX XXXX with the Utah Attorney Generals Office as well as submit a complaint with their associated states bar. In doing my due diligence Ive given both agencies ample time to correct this issue. However they refuse and I have no choice other than to take action against them.
Product: Credit card or prepaid card

This dispute is with reference to a {$200.00} deposit I paid to XXXX at XXXX XXXX on XX/XX/20. I split my deposit into different payment methods. {$100.00} was charged to my debit card ending XXXX. The transaction posted on XX/XX/20. 
The total for services was to be {$500.00} and the remaining balance was due at the time of service. My appointment was originally scheduled for XX/XX/20. It did not occur because the world shut down due to the COVID-19 pandemic. 
I sent a text to the merchant on XX/XX/20, XX/XX/20 asking how things would be handled and received no reply. I then got an automated text message confirming my appointment on which was followed by an automated cancellation notice on XX/XX/20. There was still no actual reply from the merchant. That is when I submitted the dispute with NetSpend. They did not reply within 10 business days, and deemed by disputed resolved with no errors based something they stated merchant provided will after deadline, and stated I never sent verification which I did. The merchant did not reply to me but was able to keep my money. I am out {$100.00} and they seem to be protecting the merchant and not me. My other bank took action immediately on behalf and they are following the same regulations, yet I am being giving push back and excuses.
Product: Credit card or prepaid card

On XX/XX/2022, someone fraudulently tried to open a credit card in my name at Capital One, which I do have an existing customer relationship with. I was alerted both by a personal phone call by Capital One Fraud Dept, and by XXXX XXXX ( which detected a new credit inquiry on my XXXX credit report ). Capital One denied the credit card request. 

My XXXX credit report revealed that an old address of mine had been supplied, along with a hone number never belonging to me : XXXX. My quick internet searches list that as a XXXX, WA number, but XXXX identifies associations with XXXX ( XXXX ) domain and a XXXX with XXXX ( XXXX ) domain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint last XX/XX/2022 regarding these accounts appearing on my report that I am not aware where it came from. XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXX ( Collection ) XXXXXXXX XXXX  XXXX XXXX ( Collection ), XXXX  XXXX  XXXX ( Collection ) and XXXX XXXX ( Collection ). I demanded an investigation but did not receive any response and the items are still reflected on my report.
Product: Student loan

I paid off my student loan balance of XXXX dollars on XX/XX/2023 to EdFinancial. I recieved a paid in full email from them also. The balance is still showing XXXX dollars on their website and on my credit report. 

I've called numerous times every week trying to get them to fix this but they always give me the runaround. They say they do not see a payment for XX/XX/XXXX but I have sent them bank statements and screenshots of where I paid on their website. I just want them to change my balance to XXXX and get the balance off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). This is frustrating as it will surely make my transactions in the future hard and time consuming and because of that, I want it to be fixed.
Product: Credit card or prepaid card

I had mistakenly set up an automatic Citicard payment through my XXXX bank account ; I discovered the error and on XXXX XXXX, called a CitiCard representative, a XXXX XXXX and requested a refund of {$250.00}, as I had made five {$50.00} payments XX/XX/XXXX through XX/XX/2019. My Citicard account had been closed for several years and I no long had the full 16 digit, as denoted by the XXXX XXXX Online Payment Information Record. Per XXXX XXXX, I was instructed to mail the information to CitiCard Payment Investigation Unit. To date, I have not to date received a formal response and made a subsequent call to a Citicard representative to determine the status of my inquiry. The representative stated the payment investigation unit could not find my credit card account nor my payments. The representative stated he would requestt an additional payment investigation. I can not believe the company can not determine where my funds were placed and that is the reason for my complaint. I will include the information that was submitted to Citicard.
Product: Payday loan

I had a payday loan many many years ago with Advance America ( I think ) that was paid however, it 's still reporting that I have an outstanding PDL.
Product: Mortgage

I have been making an extra payment to my mortgage with BoA on the XX/XX/XXXX-XX/XX/XXXX of the month every month for several years now. The regular payment is due on the XX/XX/XXXXof every month - I have always paid on time and there are no pre-payment penalties in the mortgage agreement. The extra payments have been going towards future payments ( interest included ) and not the principal balance. I have contacted BoA numerous times, most recently XXXX XXXX, resolution specialist for regulatory complaints. I have previously filed two CFPB complaints regarding this matter ( Case # XXXX ) and there has not been an adequate resolution. BoA is still misapplying my mortgage payments. Page 3 of the mortgage statement regarding application of payments clearly states : " If your loan is current and you submit additional amounts, [ ... ] if no instructions are provided they will be applied to the principal of the loan. '' Furthermore, under the title Paying Your Loan Ahead, it states : " We allow you to prepay your periodic payments one month in advance. '' " [ ... ] any attempt to prepay more than one periodic payment on your loan will result in your payments being applied to the principal of the balance of your loan. '' Throughout this issue BoA has been aware of my desires to apply extra payments to the principal of the loan. They have been continually misapplying these payments, in violation of their own terms and agreements within the mortgage, and the application of payments statement, as well as inaccurately reporting these future payments ( interest included ) on my credit report.
BoA 's solution to prevent future payments from being misapplied all include using services that  charge per payment. I currently use XXXX XXXX XXXX XXXX who writes a check to BoA twice a month. I am unable to write a personal check due to travel as a function of military obligations ( XXXX ). Through BoA 's attempted collection of fees for payments they are artificially inflating my interest rate on the mortgage, and preventing me from paying down the principal of the mortgage to further the bank 's collection of interest. I am again requesting that BoA retroactively from XXXX 2017, and in the future correctly apply additional principal only payments to the loan and abide by the terms and conditions stated in the mortgage agreement, and issued monthly on their statement to me. Currently my mortgage is paid through XXXX 2017 - this is completely unacceptable, and not accurately reflected in my credit report ( a violation of the Fair Credit Reporting Act - subject to a {$1000.00} fine ). All mid month payments shall be principal only payments from the origination of the loan until it is paid in full.
Product: Mortgage

this complaint is to be added the complaint number already in file XXXX I just called to see if any resolution and they are now asking me for {$7400.00} the loan was paid in XX/XX/XXXX ( 6 months ago ) they were to credit our impound account for the XX/XX/XXXX payment and they did not do that. so pay off was short like XXXX they keep trying to charge me XXXX per diem on XXXX dollars and late charges excess of the amount owed. they are crazy in XX/XX/XXXX they made some modifications to the pay off down to XXXX less impound account which should have been at XXXX at the time leaving a balance of XXXX but they didn't do that the pay off was good until XX/XX/XXXX see attached by on XX/XX/XXXX we received certified letter demanding 5000+ or minus see attached.
Product: Debt collection

I XXXX XXXX sent U.S COLLECTIONS WEST, INC a letter of dispute demanding them to provide me concrete evidence of my obligation to the said account in my name I informed us collections west that I wasn't in dispute of the ownership of the account but if US COLLECTIONS WEST , INC was unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. I received letter XXXX and it had none of the information that i demanded be verified US COLLECTIONS WEST INC informed me that they previously sent me a letter validating their claim which i believe to be false, and if what US COLLECTIONS WEST, INC says is in truth I would like to get a copy of the paperwork that they claim they originally sent out regarding this account. Which i believe US COLLECTIONS INC is not operating in truth because this is my 1st time disputing via mail.If it comes that US COLLECTIONS is not operating in truth and good faith i demand the said account be deleted from all XXXX credit bureaus immediately. 


UCC 1-308 UCC 3-414 XXXX XXXX XXXX All inalienable rights reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Trans Union added a remark to my account regarding a dispute over the age of an account. My credit job 22 points for a reMark added to an account Found to be valid. I have no problem waiting the additional time in order for this negative account to fall off if it is valid, But its highly detrimental to lose points over a dispute. I was unaware that that was possible or else I wouldve never done that. Im doing my best to repair my credit and this undermines all of my hard work. I would like this remark removed.
Product: Money transfer, virtual currency, or money service

o I am a member of SECU my name is XXXX XXXX. I have a concern with a change that has been made within the bank that is affect me personally. Something like the salary advance loan that you have, I use about 3 apps that use XXXX to connect banks in order for me to advance some funds until my next paycheck. With covid & with my children this helps me to a MAJOR extent so that my children and I are not without. I called to speak to someone about it & she was very nonchalant about the situation as if we are not in the middle of pandemic and peoples hours arent cut short, like we cant use all the help that we can get. Im sure I can not be the only member affected by this change. So now my next paycheck Im going to be losing about {$300.00} dollars that i wont be able to get back because of this XXXX policy. With this change are you all planning to help customer who experience a loss in situations or you all just dont care??? Im confused Ive always trusted a credit union no notice of this change or nothing so I couldve known not to advance. It is very much an inconvenience!