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

Vehicle was paid off on XX/XX/year> in the state of Virginia. Contacted the company XX/XX/year> regarding the title location. I was then informed that, although Virginia law states that they have 10 days to release the lien, they were waiting XXXX weeks for a debit payment to be cleared. It is now XX/XX/year> and I do not have my title, nor does XXXX. I believe that they are not following state laws.
Product: Money transfer, virtual currency, or money service

XX/XX/year> XXXX XXXX XXXX- I used MoneyGram XXXX XXXXXXXX XXXX XXXX  ) service to send cash to my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/year> XXXXXXXX XXXX XXXX- MoneyGram system messages received confirmed funds were delivered to the receiving institution WSFS XX/XX/year>XXXX XXXX XXXXXXXX Inquired with MoneyGram about money not yet received and was instructed it could take up to XXXX business days XX/XX/year>XXXX XXXX XXXX- Inquired with XXXX XXXX XXXX XXXX about money not yet received and was instructed it could take up to XXXX business days XX/XX/year> XXXX XXXX Inquired with XXXX XXXX XXXX XXXX  about money not yet received after XXXX business days, requested an escalation XX/XX/year>XXXX XXXX XXXX Phoned XXXX but was instructed to work with XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  escalation emails with requests for the MoneyGram ACH trace code, to which I said I do not know what that means. Later, I phoned MoneyGram, and the agents denied me the ACH trace code. 
XX/XX/year> AM/PM EST- I phoned MoneyGram about my missing money, and the agent automatically placed it on investigation and told me to wait up to XXXX business days to hear back. Another agent later stated that it would take up to XXXX days. I requested a connection with a supervisor/escalation team. I said I was not provided with options for alternative and speedier options to recover my money but instead automatically placed into the most time-consuming investigation process and denied my receiving institution the XXXX XXXX XXXX so they could investigate. The supervisor placed an expediting request for the investigation. MoneyGram investigation responds with an email stating the denial of refund without a detailed explanation of the investigation done. MoneyGram is aware my money is still missing, and I need immediate access to funds for required work travels on Monday morning. I submitted a complaint to XXXX Ombudsman XXXX about MoneyGram.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent TRANSUNION 3 letters trying to resolve this incorrect information on my credit report from XXXX XXXX Acct # XXXX on XXXX XXXX XXXX XXXX XXXX XXXX I requested proof of the debt and proof that the information is accurate because it is not accurate and does not have accurate consistent information such as Open date, last activity date etc. TRANSUNION replies with debt is accurate with no proof in addition to the information remains incorrect which inhibits me from receiving credit and when I do credit its extended its at a higher rate. 

I have included a recent 3 bureau Credit report to show proof of inaccuracies and it also illustrate this discrepancies in information between all three Bureaus which none of the 3 bureaus have been able to show proof and especially show information with accurate open dates and last activity dates. I have also included the three letters I have sent them. And also the generic letter they sent me without furnish proof on the accuracies.
Product: Credit card or prepaid card

I opened a miles rewards card ( Citi/AAdvantage Platinum Select World Elite Mastercard ) to preserve my frequent flier miles with XXXXXXXX XXXX  XXXX It had an annual fee that I was fine paying, but recently have not used at all. I called Citi to close the account around XX/XX/XXXX, one month before the new fee would be applied. They convinced me to convert my account to a no-fee card ( XXXX XXXX XXXX XXXX card ). They assured me multiple times throughout the call that by doing so I could avoid the membership fee and maintain my miles. I received a notice of conversion dated XX/XX/XXXX. 

I received a statement in XXXX with a balance of {$99.00}, and checked my email to see that on the XXXX they had billed me the membership fee for the converted account. I called on the XXXX to dispute this fee, and I was assured that it would be removed within XXXX to XXXX business days. 

I checked again on XX/XX/XXXX as the billing cycle would soon be up. The fee was still there. I called customer service again and was now informed that it would take 1 to 2 billing CYCLES to come off my account, at which point I would be refunded. I escalated to two more managers, who confirmed that if I did not make the minimum payment, it would hit my credit report. They offered to fast-track the refund process to 1-3 business days, something that should have been done in the first place. 

I was then informed that they would not return the money that I shouldn't have to pay without calling their customer service. They have assured me over a recorded call that there would be no interest fees on the remaining balance, but that remains to be seen.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX  XXXX  XXXX Balance : {$190.00} XXXX  XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress.

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Product: Payday loan, title loan, or personal loan

I took out a payday loan with XXXX I didnt pay it back but have been trying to pay it back and have called and it says that the account was sold to XXXX XXXX XXXX. I have called the number and left them XXXX voicemails and they havent contacted me. However my family has been getting aggressive and abusive calls saying that if they dont pay or transfer the call to me that they will send me to court. Then I answered once and right away they asked me for my social and then when I told them to send me a letter to verify they amount I owe they started abusing me over the phone saying no you have to pay now or we will send you to court and I kept asking them so send me a letter and they hung up. Its frustrating because Im not neglecting to pay off what I owe which is {$290.00} but they arent really connecting me to the right people and they are just calling me and my family abusively and using a fake phone number. The number that appears on my phone is the XXXX XXXX XXXX number, therefore they are acting fraudulent.
Product: Checking or savings account

I had an unauthorized electronic charge of {$16.00} in my M & T bank 's checking account from an unknown XXXX account on XX/XX/2022. The charge was not from my XXXX account. I never shared this bank account info to any vendor. The bank gave me a provisional credit. And I've also reported the issue to XXXX for investigation. 

However, how could this have happened!!!! 

Even if someone mistyped the bank account info in XXXX, the bank should have noticed that the name was different and prevented electronic transfer from happening in the first place.
Product: Debt collection

Got about twenty calls over a two day period from an unmarked number. No messages left. on fourth day My wife received a call then my sisters ( two ) both have received numerous calls from unkown number. All three were left messages by a person named XXXX XXXX inquiring about me and a payday loan with advance america. I called the number he provided and asked him to please stop calling anyone other than myself regarding this matter. I told him I generally never pick up unknown numbers. I aksed for details, regarding the debt he stated I owed in writing. It has been over a week and my wife and sister have repeatdy been getting multiplecalls every day for the last week. With an aditinal XXXX from the caller. 
This is harrasing behavior and he is speaking to other parties ( in voicemails ) regarding this matter. He would have to have searhced for the additional information online as both my sister do not have public phone numbers.
Product: Mortgage

I have been appoved for refinancing my primary residence from FHA loan to Conventional loan. I provided all documents that was required : income verification, bank statements Social security number verification, retirements awards, income tax statements. I am XXXX worked in USA for 20 years, I have 2 homes XXXX/XXXX in America. I got injured at work and was forced to retired. I am in XXXX temporary to do XXXX XXXX course so I can start the XXXX XXXX which is incorporated. My corporate lawyer sent a letter to verify who I was including my accountant. I was told I need more prove to come back and live in USA. I am a singlemom with a XXXX XXXX XXXX going to college and living in my house. I was asked to verify my son 's XXXX and the Regional Center provided the documents meamwhile my son is not on the loan. I felt exploit and discriminated. I even went to XXXX XXXX website that provide exclusion for people with XXXX to stay in their primary residence. All documents to support mt eligibility were sent with no avail. Very good credit score, income verification and source, Consumers rights. In California the source of verifing your address is bill statement, drivers licence and parcel assessment to verify your residency is provided. This is my Primary Residence housing my American Child with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with Ally Financial that I was a joint account on with my girlfriend. In XXXX of 2018 I filed for Chapter XXXX and was discharged in XXXX of 2018. During the time of Bankruptcy, Ally financial reported 30 days late for the month of XXXX, XXXX and XXXX. By bankruptcy law, th account is granted an automatic stay which means they may not continue to report anything on the account. I did not reaffirm the debt but was given the option to continue making payments on the loan but it would not affect the credit. We sold the car in XXXX but I have asked Ally to remove the late amounts as they were 1 ) not infact 30  days late and 2 ) were not allowed to report any reporting on my credit.
Product: Mortgage

On XX/XX/2023, I signed & returned the documents sent to me by Village Capital & Investment XXXX XXXX, in order to proceed with the VA Traditional Modification. I was advised that I was to make the new monthly payments of {$2500.00} beginning XX/XX/2023. I have made two payments and still have not received any final paperwork regarding this modification. Each time that I call, I've been on hold for 1-2.5 hours waiting for assistance. Just this month, I waited foXXXX XXXX hours and XXXX minutes to pay my monthly mortgage. They have a system that says you can " Press XXXX and you will retain your place in line and someone will return your call ''. I used that one time and NO ONE ever called back. Whenever I request a supervisor, I'm told " No supervisor is available, I can put in for you to get a callback ''. Yet, no supervisor ever calls back. I have been told of different timeframes for the completion of the paperwork. I've been told XXXX weeks, XXXX days, and " there is no timeframe '', and " we're waiting for the VA to send the check ''. I need to know JUST HOW LONG THE TRIAL PERIOD IS, WHEN DOES THE TRIAL PERIOD END, AND THE TRIAL PERIOD NEEDS TO END SOON!! I was afraid to NOT sign it and I would have lost my home. 
This is horrible. No one, not just veterans, should be subjected to this. Now, I'm afraid that Village Capital & Investment is just waiting to foreclose and take my home.
Product: Credit reporting or other personal consumer reports

Just plain can't get into the account to unlock a freeze. Tried everything over the last few days.
Product: Debt collection

Performant Recovery Inc is trying to collect a student loan debt that is not mine. They have contacted me periodically over the years and each time I thought this issue was resolved because I have paid all of my student loans on time and in full. They are assigning a debt of a person who has a close name to mine but her middle name is XXXX. She was also born in XX/XX/XXXX which is far before my birth year. They are contacting me by mail as well as my cell phone. I also believe they are trying to phish for my social security number.
Product: Checking or savings account

Hancock Whitney is falsely advertising a banking promotion at the following url, https :  //www.hancockwhitney.com/XXXX-XXXX   and in the email they sent to me. They claim that both the checking and money market accounts need to be opened in order to receive the {$500.00} bonus on the phone and in person, yet the website and email leads one to believe that only the checking account needs to be opened in addition to the direct deposit and time requirements to receive the {$500.00}. I opened an account on XX/XX/19 to get this {$500.00} bonus only to be told that the terms are different than advertised.
Product: Vehicle loan or lease

abusive extremely high interest rate for vehicle loan. Company Flagship credit acceptance
Product: Student loan

On XX/XX/XXXX of XXXX, the US Department of Education announced a Limited Time Waiver that would allow previous times of employment in a Public Service job to qualify towards the XXXX required monthly payments on a Direct Loan, if those payments were made on a FFELP loan or a Direct Loan that was subsequently consolidated. Again, on XX/XX/XXXX the US Department of Education made this announcement for a waiver from previous strict rules regarding PSLF. Fedloan Servicing must be the *ONLY* people/organization that did NOT KNOW about this Limited Time Waiver. On XX/XX/XXXX I submitted two Employment Certification Forms/ Applications for PSLF that were signed by my former employers to certify the dates of my employment AFTER XX/XX/XXXX, of XXXX that would qualify for the Limited Time Waiver for PSLF. Again, I submitted two valid and correct PSLF Application/Employment Certification Forms on XX/XX/XXXX in accordance with the terms of the Limited Time Waiver. On XX/XX/XXXX -- - once Again XX/XX/XXXX of XXXX. I received a message from Fedloan Servicing that my PSLF Application/Employment Certification was rejected because my certified dates of Employment were before the disbursement of my Direct Loans. Again, that was the message sent to me on XX/XX/XXXX. The XXXX at Fedloan Servicing, who again must have been the ONLY PEOPLE in the USA to not know about the Limited Time Waiver rejected my two PSLF applications/Employment Certification forms when my forms conform with the literal intent of the US Department of Education goals for the waiver. I believe only high school drop outs are hired at Fedloans because of how XXXX the staff members seem to be or execute over and over and over again. Maybe the staff at Fedloans are not high school drop outs. Maybe Fedloans only hires crackheads from XXXX or XXXX that would also explain the poor servicing experiences Fedloan produces time after time after time.
Product: Checking or savings account

My husband and I noticed that our bills where not being paid also late fees were doubled and there was a shadow account charging our account we had XXXX that was deposited into our account, this was money awarded to my husband from the VA, we tried to square things out with Key Bank but they refused to help us and even called the police on us. Moreover, we are fed up there was XXXX dollars the bank allowed someone to withdraw from our account. In ending, when we tried the go over our account with the bank they simply avoided us.
Product: Credit reporting or other personal consumer reports

Ive recently check my credit report in because I decided to change my life and chase my dreams and noticed a few in accuracies on my profile. Please check every piece of information and make sure its accurate and accountable in accordance with The Fair Credit Act
Product: Checking or savings account

Hi so basically I am a victim of fraud and my bank is chase and I saw bunch of unauthorized charges on my account worth around XXXX. I filed the fraud dispute with chase and literally 1 day later they came back to me saying you authorized these transactions which I didnt and these were not made by me. please this needs to be resolved I can not afford to lose this much money.
Product: Debt collection

XXXX XXXX XXXX XXXX is attempting to collect a debt that I dont know what it is I asked for debt validation and they sent a copy of a bank statement but nothing that I have signed. I also checked and they are not licensed in the State of Ohio to collect this debt where I have resided for the last year.
Product: Credit card or prepaid card

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 an account without my written instructions.

15 U.S.C 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, credit repair services, or other personal consumer reports

I have been disputing derogatory public record that is on my credit. On XXXX XXXX I opened a dispute report # XXXX with XXXX, Equifax and XXXX. Also XX/XX/XXXX report # XXXX as well as XX/XX/XXXX report # XXXX. I never received an update for report # XXXX.When i got the results for report # XXXX it stated " The company that reported the information has certified to XXXX  that the information is accurate.This item was not changed as a result of our processing of your dispute. The company that reported this derogatory public record is XXXX XXXX.I then requested proof of verification from XX/XX/XXXX, Equifax and XX/XX/XXXXand was told that they don't have to disclose there proof of verification with me. After so many countless attempts the last one being on XX/XX/XXXX i have not received an information or status dealing with this last attempt to resolve this derogatory public record. Please assist me with this issue.
Product: Vehicle loan or lease

on the XXXX of XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VIN : XXXX from XXXX XXXX XXXX of XXXX colorado with Navy Federal Credit Union as the finance institution. I was tricked into buying more than I wanted or needed, and was also mis led as to what I was to be paying, all along thinking that I was getting an amazing deal because I was being tricked, and intentionally lied to in order for the dealership to continue to stuff their pockets with my money, and then hand me off to Navy Federal Credit Union ( NFCU hereafter ) so that they could do the same.all the while both the dealership and NFCU were completely enthralled in securities fraud, UCC, USC, UCCC, TILA< and CFR violations. Not once was I ever explained anything about my rights as a consumer, NFCU signed my electronic signature on a contract that I wasn't even aware of the day of the sale and then said I signed it on the XXXX of XXXX when the contract is clearly dated on the XXXX of XXXX ( screenshots included ) I have also sent via USPS registered / certified Mail multiple presentments to NFCU regarding the gross law violations, my personal rights violations, a notice of intent to rescind letter, a NOTARIZED Affidavit of truth, revocation of power of attorney, and even including a follow-up email to upper management of NFCU, the lending department, auto loans department, title department all of which required a signature upon delivery which I have received back. and still I have not heard a word from NFCU. " An un-rebutted affidavit stands as truth in commerce '' And " An un-rebutted affidavit stands as judgement in commerce '' 10 Maxims of law.
Product: Student loan

My personal student loan that has been going on since 2001 is with Navient. Ever since Navient took over Sallie Mae my loan balance hadn't moved, so I called Navient and the unprofessional clerk did not know how to read my account balance or figure my statements. Now I see that other people complained about their payments with Navient and won in a law settlement. I'm complaining that it looks like my XXXX Student loan was not included in this settlement. How can I get considered settlement/cancellation for my student loan that I have paid for over 18 years? They expect me to overpay until XXXX. I'm XXXX and XXXX, watching my Grandkids due to XXXX. I used to work at XXXX XXXX as a XXXX XXXX until the Pandemic hit. Can someone please help me get on the Navient lawsuit settlement?? 
Thank you in advance, L
Product: Credit reporting or other personal consumer reports

I would like to follow up despite numerous attempts I have made to correct an error on my credit report related to a late open account. Despite multiple requests, the issue persists, causing undue stress and negatively impacting my financial standing. Here is a summary of my attempts to address this matter : The continued presence of the late open account on my credit report is not only inaccurate but also unjustly affects my creditworthiness. I have attached supporting documentation for each attempt made to rectify this situation, underscoring my commitment to resolving this matter promptly. I request your immediate attention to the following actions : Conduct a thorough review and correction of the late open accounts entry on my credit report. Provide written confirmation once the correction has been successfully made. I understand the significance of accurate credit reporting and its direct impact on my financial well-being. Therefore, I expect a prompt and diligent investigation into this matter. I am asking for your help to correct these late open accounts in my credit file : XX/XX/XXXXXXXX Balance : {$5800.00} ; XX/XX/XXXXXXXX XXXX Balance : {$410.00} ; XX/XX/XXXXXXXX XXXX Balance XXXX {$25.00}.