23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke to a collector from Grimley Financial on XXXX/XXXX/XXXX on or about XXXX. This collector never gave the mini-Miranda. I advised this collector that " I paid this account before it was placed with grimley, I had a receipt from XXXX XXXX ''. This lady put me on hold to apparently check with the clients system. She came back and advised that this was not and that I was wrong. I told her, " ok then, I want the validation in writing that this my account and I want the intake documents showing my information. I want this removed from my credit report in meantime as so you are not violating my FCRA rights and Grimley is not to contact me until such documents are provided, as per my FDCPA rights. " ... This collector then goes on to scream/berate me about how " that time has passed and that this is my balance after XXXX XXXX XXXX XXXX payed theirs '' and that I am being rude. She then slams the phone and hung up on me! When these are my rights under the FDCPA and the FCRA. I tried to call back and speak with someone who was this collectors superior ; however, my calls mysteriously could never connect to any live individual, this again concerns me. How can I not call back and report this collector for their extremely aggressive tactics and language? I called over eight times in reply but never would connect. I feel this company was beyond their rights to try and deny mine. More like " XXXX '' Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

i Have Both medicare and medicaid and was balance billed by doctors office. in Pennsylvania i can not be held responsible or billed or sent to collections for balance billing it is against state and federal insurance law and consumer protection law. i was sent to collection company XXXX XXXX By XXXX XXXX XXXX please investigate not only with debt company but also XXXX XXXX XXXX.
Product: Checking or savings account

I have tried repeatedly, in every which way, phone calls, letters, emails, texts, to close my CD account with Ally Bank at maturation which is XX/XX/22. They keep asking me to jump through hoops and then tell me they can't give me MY money!!!! 

I waited an hour on the phone to speak to a rep, he said I'd get am email asking for my id. It never came. A week goes by, no word, so I sent a letter. A letter, return receipt, with a copy of my id. I get a phone call after a couple of weeks. Time is of the essence here. I began a month before my CD matures. Now it has matured and the woman on THIS phone call tells me she can't send me a text so she can't help me. 

I do NOT want automatic renewal and I made that clear in every way possible. I WANT MY MONEY! THEY ARE TRYING TO STEAL MY MONEY Last woman I spoke with is XXXX XXXX XXXX. SHE can't send a text so I get robbed?! 

Uh... nope. 

I WANT MY MONEY NOW!!!!
Product: Vehicle loan or lease

XX/XX/XXXX On XX/XX/XXXX of this year, we purchased a XXXX travel trailer believing it had a clear title. After completing paperwork, paying {$780.00} registration, and waiting a very long time, the DMV finally informed us that US Bank NA had a lien on the trailer. 

Working with the dealer and the daughter of the original owners ( One of the original owners is deceased and the other is in ill health and cared for by her daughter. ), we have been trying to secure the lien release since XX/XX/XXXX. 

It appears that US Bank can not find record of the original loan. On XXXX, after many calls, the bank finally asked for evidence that there was a lien. That same day we faxed the incomplete registration form stating that A LIEN SATISFIED IS REQUIRED FROM US BK NA along with Application for Duplicate or Paperless Title, and bill of sale ( both signed by the owner ), the last renewal notice from DMV and a letter I sent to the original owner.

US Bank gave no response. I called again XXXX and was told to email the same information I faxed in XXXX, which I did. After assurances that I would hear something in a few days, no communication came. 

My husband and I are retired and have put over {$11000.00} into the trailer, a trailer that we can not use or sell. All parties involved in this sale have spent time trying to secure this lien release. Obviously, my husband and I should never have purchased the trailer without a pink slip. However, it seems that the Bank has an obligation to resolve this issue especially since the family of the original owners have also requested the release.
Product: Mortgage

XXXX XXXX XXXX of Florida, no longer in business, assigned our mortgage on XX/XX/XXXX ( XXXX XXXX, Ohio, Volume XXXX, Page XXXX ). This mortgage was then assigned to XXXX Mortgage on XX/XX/XXXX ( XXXX XXXX, Ohio, Volume XXXX, Page XXXX ). This mortgage was then assigned to Mortgage Electronic Registration Systems as a nominee for XXXX XXXX XXXX, no longer in business, on XX/XX/XXXX ( XXXX XXXX, Ohio, Volume XXXX, Page XXXX ). XXXX Mortgage issued a foreclosure on this property, located at XXXX XXXX XXXX, XXXX, Ohio, XXXX, AGAINST the advice of the XXXX XXXX NOT to do so. This mortgage subsequently was modified and we are STILL PAYING on the original mortgage to another loan servicer. For some reason, and I believe due to the attempted foreclosure and subsequent modifications, liens are showing against the above mentioned property. It is our desire to have these liens removed so that we can move forward with a sale of the property. Thank you in advance for your assistance in this matter. It is greatly appreciated.
Product: Checking or savings account

This occurred with Truist Bank. I called the customer service number for help. 
On XX/XX/XXXX, I had a balance of XXXX in my checking account. I purchased on XX/XX/XXXX of XXXX and XXXX, which posted on XX/XX/XXXX. With a balance of {$59.00}, I made another purchase of XXXX on XX/XX/XXXX, which went into pending that same date, and I was left with XXXX. I made another purchase of XXXX, which put me in a negative of {$2.00}, but it was pending ; both transactions were pending. There was a refund for XXXX. I deposited on XX/XX/XXXX of XXXX, which was on a Sunday. The transactions did not post until XX/XX/XXXX to the account. A credit of XXXX was posted first, then the XXXX deposit, then the XXXX, XXXX debits were posted last.. 
My issue is that the bank gave me a XXXX overdraft fee when the balance only had an XXXX, and a XXXX debit that was pending since XX/XX/XXXX. They added the debit ahead of the transaction that took the balance into negative. Instead of my balance being in the negative on XX/XX/XXXX, it was XXXX. 
XX/XX/XXXX XXXX Posted Balance XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- XXXX Posted Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Posted Balance XXXX XXXX My issue is that they put the fee on me when my debits were pending. The representative tried to say the XXXX and the XXXX XXXX debits put me over but the XXXX and a XXXX debit had just posted on the am of XX/XX/XXXX so my balance was XXXX and the account did not go over until the second XXXX debit but both of those debits were pending until XX/XX/XXXX when they posted to my account. 
I have in the past gone into the negative, and as long as I deposited the funds into my account before they came out of pending, the next business day, I did not get a fee. Please assist me. I can provide a screenshot, but I don't see an attachment here.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Service, I am writing to appeal the permanent limitation that has been placed on my PayPal account with the email address XXXX. I believe that this limitation has been placed by mistake, and I would like to request that PayPal re-investigate my case and restore my account if possible. 

Firstly, I would like to emphasize that I have not violated any PayPal policy. I have always been a law-abiding and responsible user of your platform, and I take pride in maintaining a good standing with PayPal. Therefore, I was taken aback when I received notification that my account had been permanently limited. 

I understand that PayPal has the responsibility to protect its users from fraudulent activities and to maintain a safe and secure platform. However, in my case, I believe that there may have been a misunderstanding or a mistake. I am willing to provide any additional information or documentation that may be necessary to clear up any confusion and prove my innocence.

In light of the above, I kindly request that PayPal re-examine my case and lift the limitation on my account. I hope that we can work together to resolve this matter and restore my trust in your platform.

Thank you for taking the time to review my appeal. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]
Product: Money transfer, virtual currency, or money service

In XXXX XXXX, I sent a letter to America First Credit Union informing them about the scam to me by XXXX wherein the money amounting to {$370000.00} were sent through wire transfer from America First Credit Union to XXXX XXXX. I am now XXXX XXXX XXXX, as I have been told by the FBI that the bank has also the liability to me as their customer! No action has been taken and no progress on my case! Can you please help me?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

I notified Experian, XXXX and XXXX multiple times to reinvestigate these accounts and demanded removal of the account due to inaccuracies and fraud due to identity theft XXXX XXXX XXXX Account # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect and I did not authorize these companies to furnish my information The Fair Credit Reporting Act 15 USC 1681 section 602 A. States I have the right to privacy 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5500.00} ), XXXX - XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3300.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$20000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XXXX paid a medical bill to Capio partners and on XXXX XXXX received a bill for that debt fromXX/XX/XXXX. Called them that Monday and let them know it was paid in full. They had email receipt to XXXX It took me a while to get receipt from Capio partners. Got the receipt from Capio sent it over to the email provided to XX/XX/XXXX on Thursday XX/XX/2022. On XX/XX/XXXX I check my credit and it is listed as a collection again. I have the proof it is paid in full. Thank you for your attention in this matter
Product: Debt collection

For a little over a year now, beginning in XXXX of 2017, XXXX XXXX has been reporting a XXXX collection to my credit for over {$2000.00}. I have attempted to dispute this account a number of times - both in writing to XXXX XXXX and via the credit bureaus as well - but XXXX XXXX continues to verify it as accurate and it remains on my reports. Despite multiple disputes and letters to the company requesting documentation, they have yet to provide any proof of the debt or charges that created it. I assert that I owe no debts to XXXX and do not know why there is an outstanding collection in my name. As XXXX XXXX refuses to send me any verification, I am still in the dark on this matter.
Product: Mortgage

An application for the XXXX was submitted before the deadline before XXXX XXXX, 2016. Never received a response. Called them today spoke with XXXX and was told documents were missing although does not know what they are.
Product: Mortgage

The approval letters from HAF ( Homeowner Assistance Fund ) state the amount they approved me for and number of payments, and those are attached in MyLoans, and HAF customer service say they informed Flagstar in regards to payments, yet Flagstar is applying their own way, money sent from state that are not on the approved letters. The money approved from HAF on the letters are {$100.00} for HELOC and {$910.00} for main mortgage. This month flagstar applied {$100.00} to heloc and {$880.00} to main mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently obtained a copy of my credit report from XXXX, and it indicated that a credit inquiry was made by Discover on XX/XX/2019 on XXXX. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this fraudulent inquiry and have it removed from my credit report. I have contacted Discover several times and they arent willing to assist because they do not have a record of the hard credit inquiry in their files and refuse to assist me and will not follow up with XXXX to report I did not authorize the hard inquiry on XX/XX/2019. 
Please have this inquiry removed from my credit report, as it will have a negative effect on my loan applications and my acquisition of credit in the near future. 
I have sent this letter via certified mail to Discover Credit Operations as it requires their prompt attention and response. Conversely, Discover has refused to provide documentation to support that my authorization was in fact obtained for making this hard credit inquiry on XX/XX/2019. I would appreciate your assistance since I also have had an identity theft victim fraud consumer alert since last year and a consumer a statement that says to always call me prior extending or applying for credit under my name. With that said Discover did not comply with the instructions from my consumer statement and I did not receive a call from Discover and they are not willing to assist me. 

Thank you for your prompt assistance. 
Sincerely,
Product: Student loan

Hello, The private XXXX loan provider XXXX does not offer reasonable solutions for repayment. The interest rate is so high the loan has ballooned to almost $ XXXX from $ XXXX. The current loan payment is over {$1000.00} a month and doesnt even cover the interest. There was an option to lower the monthly payment for 6 months but that only continues to compound the interest owed. This has affected my credit ratings making it next to impossible to find a lender to refinance the loan. This seems very unfair. We continue to look at options to refinance to lower the payment and interest but not having much luck. We have done everything possible to maintain consistent payments even when we havent had enough money to pay the whole payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my reports from XXXX, Equifax, and XXXX. 
I found several errors on accounts as well as misinformation across the three consumer reporting agencies. After disputing the information, there's still errors.

It's not possible for the information to be correct " verified '' and different at the same time.

They refuse to provide proof of how they verified the information.

I know this violates my consumer rights.

I would like to exercise my right under -15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless I am opting out from XXXX, Equifax, and XXXX from reporting on 7 of the accounts on my consumer report.

I have provided the proof.

The seven accounts to be removed from my reports due to Metro2 Noncompliance are as follows : 1 ) XXXX XXXX  - Opened XX/XX/XXXX 2 ) XXXX Opened XX/XX/XXXX 3 ) XXXX XXXX XXXX Opened XXXX, XXXX 4 ) XXXX  XXXX Opened XX/XX/XXXX 5 ) XXXX/ Opened XX/XX/XXXX 6 ) XXXX XXXX  Opened XX/XX/XXXX 7 ) XXXX XXXX Opened XX/XX/XXXX XXXX
Product: Vehicle loan or lease

Hyundai Motor Finance will not allow overpayment or advance payment to go towardprincipal. 

My monthly payment, which is due on the XXXX of each month and started in XXXX of 2023, is {$330.00}. I have paid in advance and paid more than the monthly bill and they do not allow me to apply any of the extra amounts or payments to go toward principal. 

I have screenshots of their website showing there is no option to select " put extra payment toward principal '' and showing my history of them applying extra payments toward interest.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft & my personal info was compromised by a XXXX XXXX employee on XX/XX/XXXX. I know the employee SOLD my information & they themselves has reported all FALSE info which includes changing the inquiry 9 times since XX/XX/XXXX. Equifax removed the account but kept the Inquiry & refused to remove it after receiving a Police & FTC Identity Theft Report. Equifax has allowed the thief to remove ALL my creditor 's reporting & replace it with theirs. 

I've never missed any payments or have been late. I've never had any problems with my creditors but Equifax continue to let the inquiry stay which belonged to the Fraud account. Thieves have used my info to open accounts using SOFT INQUIRIES since XXXX. The soft inquiries are in Equifax using XXXX XXXX XXXX for Background Checks & Tenant screening, Equifax XXXX ID for Debt Collections, has omitted letters & complete names of my creditors address, phone number, has lied that the data furnisher has solved credit reporting problems on all accounts, has masked & pretended to be XXXX XXXX as my POWER OF ATTORNEY ( told to me on XX/XX/XXXX ), has reported XXXX XXXX  on my mortgage XX/XX/XXXX & XX/XX/XXXX, has totally taken over my credit report with Equifax, XXXX, & XXXX. 

Equifax has allowed thieves to have total control over my accounts while treating me as the thief. They've always given me a hard time when I've disputed anything in my credit file since XX/XX/XXXX when the XXXX XXXX employee used my ssn # fraudulently. 
I spoke to Equifax on XX/XX/XXXXXXXX  who called me by my name but also called me by my FORMER NAME which has been disputed, remove & added back. I should not be receiving any credit reports showing any former addresses or names butI have & do. Equifax FAILED me & has continued to do so because there's FALSE information in my file and there's notes of something reported by the thieves. I was told by Equifax that they received a second police report in XX/XX/XXXXXXXX  by XXXX XXXX stating that she was power of attorney. I asked for a copy & suddenly they were closed. 

Equifax continued to allow false reporting on my credit files since XXXX. 
I WANT ALL REPORTING ON MY ACCOUNT TO BE CORRECTED, ALL SOFT INQUIRIES REMOVED, ALL OLD INFO REMOVED NAMES & ADDRESSES, anything that's false removed. 

the damage has been done already because Equifax refuse to remove the false inquiry allowing thieves to report. they haven't reported anything negative but when they do, Equifax will be held accountable.
Product: Payday loan, title loan, personal loan, or advance loan

I called Title Max corporate office to request payoff info and was given a break down of payments and fees. I let her know I was recording the call. On XX/XX/XXXX I was told there were fees she could not account for and that it should have been applied to the total. I was told I should owe a total of {$1400.00}. I called the office that took over my loan in AZ and was told I owe over {$3000.00}. I let the rep know I was record the call and the amount I was given by corporate was different. He stated he wasnt sure why there was a discrepancy in total, but stated the previous store that my loan originally came from was closed down due to improper education. He stated he was going to have his district manager reach out to me, but the call never came. His store manager XXXX called and said his supervisor would reach out but that never happened.i went over the fees and XXXX response was why am I only now complaining about fees. I told him that was poor customer service and a shouting match began. He also hung up on me 3 times. My car has been repossessed today XX/XX/XXXX, and I still do not have a phone call explaining the discrepancy in total. Why the money paid wasnt added to the total. I found out today that there was a Resolution complaint department only by calling corporate office. XXXX never offered the resolution team or to submit a ticket. Conversations have been recorded and I can provide them. Worst experience I have ever dealt with.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX