23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Have struggled to make loan payment for the month of XXXX, and will probably have the same issue for XXXX, this due to several reasons, one being sickness throughout the year that has XXXX me, hence have been payed a very low last salary. 
Additionally, I have just started a new job, which has created a gap in between pay-days, meaning I won't be seeing any money to pay the loan until XXXX. 

After several weeks of trying to find a way to make a payment, and not finding a way because of the lack of funds in my bank account, I have called Sallie Mae today XXXX of XXXX in order to ask for a delay in repayment, no longer than until XXXX. The employee named XXXX, took my details, and after have a quick look at their system, my eligibility for any sort of relief of repayment option was NONE. I expressed how baffling, frustrating and ridiculous this is, considering that I am calling willing to pay, just unable to do so at the moment and looking for a resolution. 

Sallie Mae gave me 0 options, and XXXX stated that there was nothing they could do to solve the problem, no options, no solutions, NOTHING.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union account ( Account Number : XXXX  ) - I am disputing all information being reported to credit reporting agencies regarding the Navy Federal Credit Union account ( Account Number : XXXX  ). The report lists a balance of {$2500.00}, a balance updated XX/XX/XXXX, a credit limit of {$3000.00}, a $ 66 monthly payment, an account opened on XX/XX/XXXX, a last payment date of XX/XX/XXXX, and the highest balance of {$3100.00}, status closed, and responsibility individual. The payment history shows 3 late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report. Thank you for your prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for chapter XXXX bankruptcy and the bankruptcy included my student loans. The judge reviewed my hardship And verified my documents to prove my inability to pay the student loans. 
I notified XXXX XXXX XXXX and they refuse to honor the student loans included in my ch XXXX bankruptcy and sends me notices every month. My bankruptcy was discharged XX/XX/2018. My bankruptcy number is XXXX Delaware bankruptcy. XXXX XXXX and XXXX  deleted XXXX XXXX XXXX from my credit report but Experian wont delete it. I can not afford $ 1798 month repayment. I get fired all the time. I gave this evidence to the judge. I have to work low paying jobs. Not earning anything near what my credentials are. This is related to XXXX XXXX. This was proven to the judge and he gave me and my family, mercy and included the XXXX XXXX, in ch XXXX bankruptcy. Please help me. I been battling this for two + years now. 
Respectfully, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

As part of the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), a letter was sent certified mail on XXXX XXXX, to Equifax, requesting the following information, and to date - Equifax has failed to comply. 

1. With the procedure that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX, in XXXX. The Business Name and address contacted for this dispute, ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX to Equifax in XXXX. The Telephone Number that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX in XXXX. With the procedure that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX, in XXXX. The Business Name and address contacted for this dispute, ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX to Equifax in XXXX. The Telephone Number that was used for this dispute ( Confirmation XXXX, XXXX XXXX, 2015 ) and then all previous disputes with XXXX XXXX XXXX in XXXX. I am due a new and updated Credit Report, at the closure of each dispute item. 

I also have no updated Credit Report, and as per the same act - Equifax is mandated to supply XXXX to me and has not. 

Attached is the letter sent to Equifax on XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately : XXXX XXXX XXXX Balance {$2600.00} XXXX   XXXX XXXX XXXX Balance : {$1300.00} The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Debt collection

I have received numerous phone calls to my cell phone number, my home number, my girlfriends cell phone number, and to my place of employment from XXXX XXXX with XXXX XXXX XXXX or with XXXX XXXX XXXX. My girlfriend asked me how her number is associated with this account and he said i have her down as a reference, however I never knew my girlfriend when i had this loan or when i paid it off. I spoke with the representative from XXXX XXXX XXXX and told him this debt was paid back in XXXX as it was going to a legal issue and I made payemtn arrangements out of my bank account to pay the debt off. He mentioned he is looking at my credit report right now and it is on their, I never gave him permission to pull my credit report, also he wanted me to work with him to make payments, I explaned to him this debt was paid off and I believe you need to send me a letter verifying the debt before harassing me with phone calls. He said they did back in XXXX, so I asked hime to send me another in certified mail and he said he would not because that costs money. I told him until I receive a letter verifying the debt to stop calling me and hung up on him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a water filtration system installed in my home in XXXX. The company financed it through Castle Credit, LLC. and did not furnish me with the terms and conditions of such financing to include filming a lien against my property. When I sold the property, I was made aware of the lien. I believed the lien to be satisfied at the time of the purchase when my property sold in XXXX of XXXX, only to receive a letter later in XXXX stating that the account was going to collections unless I took immediate action. I called and set up a payment plan to get current, paying {$570.00} in XXXX and XXXX of XXXX, then a payment of {$230.00} in XXXX to be caught up and resume my normal monthly payments of {$130.00} thereafter. The company reported to all three credit bureaus that the account was now in collections and remained in collections until I paid it in full XX/XX/XXXX. I contacted the company, XXXXastle Credit, to get this matter fixed to no avail. I disputed it with the credit bureaus and their investigations sided with the company.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding an incorrect charge on my XXXX credit report. This charge was reported by Military Star card and has unjustly impacted my credit score.

I did not receive a bill or notification by mail or email regarding this charge, and I was unaware of the small amount involved. The credit card in question was used only once, and I had no further transactions on it. Due to the lack of communication, I was not aware of the charge until it appeared on my credit report.

Additionally, Military Star had a 90-day no pay policy in the past, which was not granted to me in this instance. There was no information provided on the bill, no updates sent to me, and no communication via mail or email. 

Given these circumstances, I am requesting that this charge be removed from my credit report. The delay in addressing the charge was not due to any neglect on my part but rather due to the unusual delay in the notification process. 

I seek your assistance in resolving this matter as it has significantly affected my credit score and, consequently, my financial well-being. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit card

I have a capital one savor XXXX credit card XX/XX/year> I referred my friend name XXXX XXXX to open this card for {$150.00} bonus, she got approved the card sameday but i didn't receive the {$150.00} bonus
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX my phone number is XXXX XXXX, in XX/XX/XXXX of XXXX XXXX XXXX ( synchrony bank ) canceled my credit of XXXX and later was dropped to XXXX dollars. After this my account was canceled which affected my credit score. 
Now in XX/XX/year> XXXX XXXX ( synchrony bank ) lowered my credit from XXXX to XXXX $ and this caused XXXX points to be taken from my credit score. I want to know why these companies are doing this. I have tried to speak with them and they give me no answer. I want you to check my payments history and I have not missed payments, for some time I have been trying to up my score but it keeps on being lowered by these companies for no reason. I manage my credit with XXXX XXXX and according to them closing my account is bad for my credit but I no longer want to continue using synchrony bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX I started working with an individual to assist on my behalf of A few accounts that are errors on my credit report. It has been almost XXXX  months and still the same results. These are all errors XXXX XXXX XXXX {$550.00} XXXX, Equifax XXXX XXXX XXXX {$850.00} XXXX, Equifax, XXXX XXXX XXXX XXXX {$470.00} XXXX
Product: Mortgage

I defaulted on my loan when I retired in XXXX I was only 1 month behind. My wife works full time and she was keeping up with all the bills. Then we missed a payment a day after the month was up & M & T would not accept 1 payment but 2 which was difficult. So we tried to work something out with M & T and they wanted {$5000.00} a month for 6 months or to change our 3.25 APR mortgage from $ XXXX month with insurance to 7.25 APR of {$2000.00} a month without insurance. The insurance we currently have is $ XXXX month thus bringing a {$700.00} ( rounded off ) increase. Both options are not affordable and we contacted our M & T rep, XXXX XXXX who wasnt helpful.
Product: Mortgage

My husband & I have been having ongoing issues with Specialized Loan Servicing,  all summer long we were in contact with the attorney generals office, consumer complaints, finally they agreed to a loan modification which lowered our monthly payment, we make payments on time, money has come out of our account every month. As of two weeks ago we received a statement saying we were in default, we have emails, bank statements, canceled checks to prove our payments have come out our account, since this statement two weeks ago we have not been able to communicate with anyone from this company, I recorded the calls & everytime we have called we are told to call back in 30 minutes as the office is currently closed for a company meeting. We have never recieved a foreclosure, they are claiming we are a year behind on payments, nothing makes sense @ all, our monthly payment comes out of our checking account. Our money is going somewhere & apparently not on our mortgage. We are trying to refinance to get away from this company, we dont wan na lose our home, & it is also ruining our credit. We have spoken to a loan officeXXXX that is more than willing to help us resolve this issue, & your company Conumer financial protection was highly recomended, If we can get SLS to take the credit marks off our credit report we can move on & resolve this long goin issue. PLease Please Please help us resolve this matter & help us keep our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITICARDS CBNA XXXX XXXX DISPUTES XXXX XXXX, SD Has added " Consumer disputes after resolution ''. I NEVER disputed anything. I have asked Citi bank to investigate and they confirmed that they did not put this comment. This is impacting my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

I have a public record from your court appearing on my credit report. Ive disputed the item with the credit bureaus Experian, XXXX, and XXXX all of which confirmed that the public record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. 

XXXX XXXX XXXX Bankruptcy Im not sure what Legal Authority you have to disclose this. When I contacted the court, I was notified that they do not check, verify, furnish, allow, or share any public information with you. Youll need first- hand knowledge because theyre the primary creditor! Remove the report and update it with a new one. 

I have previously disputed this item with you XXXX XXXX Bankruptcy case and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.
Product: Debt collection

This is for a closed insurance policy. They are trying to collect a debt from the original company XXXX  insurance. They bought the debt from this company and increased the amount that is owed. I asked them to provide written paperwork stating that I owed them this money or I had a contract with them and they did not provide that
Product: Debt collection

This account starting XXXX {$680.00} from commonwealth financial inc has been disputed and removed several times due to lack of verification. The just keep reporting it over and over. I am also taking legal action. Im tired of this! They report It then I dispute it then gets removed and then put back on the next day? How is this possible? With all three CRAs. This is definitely harassment. Something needs to be done!
Product: Payday loan, title loan, or personal loan

Security finance in Louisiana calls my phone just about every day. I have put this personal loan into a debt consolidation program and they have sent power of attorney and communication by mail. They are still harrasing me and calling my work when I told them not to. Being very nasty attitude. This has been non stop since XXXX. They are even harassing my family and threatened to turn me over to a lawyer and garnish my wages.
Product: Vehicle loan or lease

I bought a car from Hyundai finance a XXXX XXXX XXXX, I had a total loss accident on XX/XX/XXXX. I was in constant communication with both meaning the lien holder and the XXXX XXXX  that they enforce you to get a contract with them. I received a letter in XXXX giving me an ultimatum on XX/XX/XXXX about having XXXX days to pay the amount of XXXX when the XXXX XXXX claim was not resolved yet. I got a text message from the XXXX XXXX that my claim was moving, and etc. this was not true the XXXX XXXX mishandled my case I called I got the items resolved an on XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX that they provided payment to Hyundai finance. I never got a call from the lien holder, never got a written communication about the balance left. they claim they called I never received a call, until today XX/XX/XXXX I communicated with them due to them using my XXXX loan information instead of the original contract where I was the primary and my husband secondary. They have a breach of contract, because as it states I have to get written communication the letter sent to me on XX/XX/XXXX has the XXXX balance but they never updated me on after there XXXX payment or what I owed. They instead sent me to collections with a charge off and this is inaccurate reporting. They also make customer and which I file a complaint on how the XXXX insurance gave me a horrible time and they did not help me at all. I have and they have because on XX/XX/XXXX I sent in a email the text message I got from them and a complaint about the lack of urgency on my claim. I do not even know if they negotiated the correct amount of money for my claim as I was once again forced to get contract with them by my lien holder. The XXXX XXXX paid on time and form they had to let me know of the balance left, as I did not know how much it was left this is not accurate reporting.
Product: Vehicle loan or lease

Hello I successfully paid off my vehicle in XXXX of 2022 and up until today I have yet to receive a copy of my vehicle title by mail from the DMV and Kia Financial is still listed as the lien holder of my vehicle. 

XXXX XXXX XXXXXXXX XXXX I have reached over to them a couple of times and I'm not getting a straight answer as of today I would really like this to be solved as soon as possible, as this is causing financial burden and issues while moving to a new state.
Product: Mortgage

My mortgage is through Stonegate Mortgage Corporation. It has been for two years. For XX/XX/2016 I did not receive my payment coupon to make my payment. Knowing it was due, I used a statement from XX/XX/XXXX to obtain a mailing address for payments so I could mail my payment on time. The payment was mailed on XXXX/XXXX/16, before the late payment date of XXXX/XXXX/16. On XXXX XXXX, 2016 I noted in my bank account that the payment had not cleared. I contacted Stonegate to inquire and they informed me that they had a new payment PO Box as of XXXX XXXX and sent me a letter on XXXX XXXX with the change of address with my coupon. However, I did not receive that mailing. With a check # XXXX now lost in the mail I asked the representative at XXXX to waive my late fee of {$40.00} so I could pay with check by phone and that I would go to my bank, XXXX the next day and stop payment on check # XXXX that was now lost. They refused to waive the late fee and offered to waive the payment by check fee. I stated I would first go to the bank and check on the stop payment fee before proceeding with check by phone. When I went to my bank on XXXX XXXX, 2016 I was charged a fee of {$33.00} to place a stop payment on my check. I then called Stonegate again and initiated a payment by phone but again asked to have them waive the late fee of {$40.00} and they refused. They are not taking any responsibility that I never received their change of address letter that they claim was sent to me on XXXX XXXX. For resolution I want the {$40.00} late fee waived, Stonegate to reimburse me the {$33.00} stop payment fee, and my credit report to not have a negative report due to a mail error.
Product: Consumer Loan

I have been looking for a resolution from anyone that can assist me and it went on deaf ears since my first purchase of a  XXXX   XXXX   XXXX  as a co-signor with  XXXX   XXXX , and my  XXXX  purchase of a  XXXX   XXXX   XXXX  with the same problems. I complained to  XXXX  multiple times regarding the engine stalling on me. It would turn off in the middle of  the street from  the first year of purchase. When the car had  XXXX  miles on it I took it into  XXXX  due to the stalling issue. They could never find anything. This happened several times and I kept returning the car to  XXXX  and requesting the all points inspection to determine why the car was stalling. Nothing was found. I called  XXXX  and sent emails to the  General Manager t o no avail. I finally had to return the car because it was too scary for m e to drive w hen it would stall and my children were in the car. The person for whom I co-signed had the same problems with the car. He brought it into to the dealer many times complaining about the stalling issue. He was almost in an accident because the car stalled on him when he was making a left turn. My credit has suffered due to the neglect of others not listening to a woman when purchasing a brand new car. ALLY had this predatory lending issue and I 'm not sure if  XXXX  is part of that conspiracy. I received a very small portion of my lending fees fro m Ally  when the CFPB f ined Ally. I was not knowledgeable enough to know within that time span I was given a balloon loan due to the color of my skin according to the lawsuit against Ally. Now Ally  is harassing me until  XXXX  as if ruining my credit was n't enough. I 'm not sure if  XXXX  was part of the lawsuit but what I am sure of is that I purchased a  XXXX   XXXX  and they both had the same stalling issues. I called and emailed everyone I could think of and have the documents to prove it. I sent emails asking for help from the mechanics at  XXXX  and their supervisor. I was told " If the light was n't on to indicate where the problem is they wo n't know. '' In those words exactly. I was also told " If the car stops while you 're driving, at least it wo n't be your fault ''. I have  XXXX  kids and I service   XXXX    learners. There was no resolution. I took the car in to the service department over and over again for months with no resolution. When the cars were returned, my new car interest rate is high, and  my credit score  is really low. Each time I dispute and rant I receive no acknowledgment of my distress and no credit resolution. Then I found out that the  XXXX  is plagued with these problems since  XXXX ! How could  XXXX  not know this issue with the cars they sold? I am a victim of  XXXX  and  Ally 's   predatory selling and lending and demand the CFPB review  XXXX  an d Ally . I now have  XXXX  collection accounts for these bad cars when  XXXX  should not have been selling them. Dealers and lenders are not supposed to prey on consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiry in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b TransUnion are required to remove any inquiry listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the inquiry which does not belong to me or was opened without my permission. 

XXXX XXXX XX/XX/2022 ; According to FCRA Section 605B ( a ) TransUnion shall block 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.