23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan was paid off to XXXX XXXX Loan Care on XX/XX/XXXX and received by Loancare, and spoke to agent who said since they don't have the manpower to credit it on the XX/XX/XXXX because it was received after XXXX I would be charged interest because they would credit my account on XX/XX/XXXX, and I have an escrow account so am owed a refund for PMI/property taxes/insurance. The loan was paid off on XX/XX/XXXX so the balance is ZERO and Loancare transferred my loan without my knowledge although I had several conversations with them before it was paid off in XX/XX/XXXX to Nationstar XXXX XXXX in XXXX, Texas. Some customer service agent their was very dismissive/passive about my loan. Now it is showing I owe $ XXXX in mortgage loans on my 3-credit reports AND my credit score was dinged 75 points for all credit bureaus when I am in the middle of buying another property and these folks at XXXX XXXX XXXX servicing do not know who transferred the mortgage loan over gave me three unknown names not affiliated with Loancare/Cashcall and reported a balance of {$290000.00} when there is NO BALANCE DUE ON THIS LOAN!!!!!!! I made a mortgage payment to Loancare in the amount of {$1900.00} on XXXX.WHAT IS GOING ON?
Product: Credit card

I cancelled my " free '' subscription with XXXX in XX/XX/XXXX as I noticed XXXX started charging me {$39.00} a month. My subscription was suppose to be free unless I hooked up with someone online. I never connected with anyone -- they were either out of state or incompatible. I cancelled by email and I thought the cancellation went thru OK -- I didn't get any further charges for two months and could no longer log in. Then on XX/XX/XXXX I got a charge on my credit card of {$190.00} from XXXX. It seems they now fraudulently claimed I signed up for a {$790.00} premium dating service ( payable in four payments of {$190.00} ). This was not true and a complete fraud by XXXX. I called Discover to report the fraudulent charge and they initially removed it from my account. The folks at Discover were very rude and gave me a hard time cancelling the charge. Basically I had enough of this rudeness so I called back and told them to just cancel the card. I paid off my balance and thought that was the end of it. Then on XXXX XXXX I got a statement form Discover that they decided to reverse their decision and recharged me the {$190.00}. But to make matter worse they cashed out my XXXX rewards miles ( {$940.00} ) and sucked the fraudulent {$190.00} from my money. Discover did this violating several statutes of the Federal 1974 Fair Credit Billing Act with absolutely no notification to me. XXXX is crocked company with over XXXX complaints and multiple lawsuits and fines for defrauding customers. But Discover also broke the law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized hard inquiries on my credit report, which I did not authorize. These inquiries may have resulted from the misplacement of my wallet, which contained my ID and Social Security card. Attached are my affidavit and copies of these documents. Under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( c ), credit inquiries are only permissible with my authorization. The improper use of my personal information is hindering my ability to obtain housing and other credit. I request a prompt investigation into this matter. Please do not place any freezes on my account at this time. List Below are the XXXX Inquiries. XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion
Product: Credit reporting

Credit Plus continues to do hard inquiries on my Credit Reports without my authorization. I have a true identity alert on all XXXX credit reports and any credit checks are required to be authenticated per the FCRA. To date Credit plus has done several hard inquiries without calling the number on my credit reports to ensure these are legitimate credit inquiries. Credit Plus did a hard inquiry on XXXX XXXX, 2015 and then again on XXXX XXXX XXXX, 2015 without calling me as required by FCRA law and without my authorization. Please see hard inquiries below. 
XXXX Unauthorized Credit Hard Inquiries by Credit Plus1. CREDIT PLUS XX/XX/2015XXXX, a change to your XXXX credit report has been detected which may LOWER your credit score : a new inquiry listing CREDIT PLUS was placed on your credit report on XXXX/XXXX/2015. 

2. CREDIT PLUS XX/XX/2015XXXX, a change to your XXXX credit report has been detected which may LOWER your credit score : a new inquiry listing CREDIT PLUS was placed on your credit report on XXXX/XXXX/2015. 

FCRA Law605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] ii ) Verification. If a consumer requesting the alert has specified a telephonenumber to be used for identity verification purposes, before authorizingany new credit plan or extension described in clause ( i ) in the name ofsuch consumer, a user of such consumer report shall contact the consumerusing that telephone number or take reasonable steps to verify the consumer 's identity and confirm that the application for a new credit plan is not the result of identity theft
Product: Debt collection

My name is XXXX XXXX XXXX XXXX, a natural person, and I am personally submitting this complaint against Midland Credit, a debt collector. This is not being submitted by any third party. Midland Credit has violated the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws by failing to respond to my debt validation request and continuing to report the alleged account to credit bureaus, which is unlawful. On XX/XX/year>, I sent a written debt validation letter to Midland Credit, requesting validation of the alleged debt as required under FDCPA Section 809 ( 15 U.S.C. 1692g ). My records show that Midland Credit received the letter. However, they have not provided any response or validation of the alleged debt within the required timeframe. Despite failing to validate the debt, Midland Credit has continued to report the alleged account to credit reporting agencies. This is a clear violation of FDCPA Section 807 ( 15 U.S.C. 1692e ), which prohibits false, deceptive, or misleading practices, including pursuing collection efforts without properly validating a disputed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME ON MY CREDIT REPORT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My information was exposed in a data breech. The information is inaccurate and have no relation to the accounts reporting .I opt out of any company policies as this is to be handled under FCRA LAW. I will be following up with each company to make sure this is handled in a timely fashion. 

XXXX XXXX ( {$8100.00} ) # XXXX XXXX XXXX ( {$430.00} ) # XXXX INQUIRIES : XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Background : I have a Citi Bank XXXX XXXX XXXX. Last year my card number changed and a new card was mailed to the incorrect address. When I looked up my account on mobile app, it showed my account as closed. This was fine because I wanted to close the account anyway. With covid, I wasnt traveling and didnt need the points. Earlier this year, I started getting notices of a past due amount, which I thought was an error b/c I no longer had a citi account. After getting a second late notice and investigating further, I realized my account had never been cancelled and the account balance was membership fee charged at start of the year. I called in to citi in XXXX to figure out what happened ( thats when I learned about the incorrect address/new card/etc ). I wanted to cancel my card then and get a credit for the fee because I didnt even know I had a card and hadnt used it in over a year. They convinced me to keep the card, they would give me a credit for {$99.00} fee once I charged the {$99.00} in purchases. This was on XX/XX/XXXX. I waited for new card to be mailed to me, that took a bit, then tried to use the card a couple times. At first, didnt realize it wasnt applied b/c I used it on XXXX, and when it declined, XXXX automatically switched to my XXXX  card. Tried in a grocery store. Kept getting denied. I called citi bank in early XXXX to figure out what was going on. This is when the the situation that is leading to this complaint began. 

Complaint : I found out through collections that I could not use my card b/c of how past due it was, so I never could have received my credit. Collections sent me to customer care to resolve. My call was disconnected. Called back, I was disconnected from customer care again. Called for third time, got through collections again ( no issues ), and once I got on with customer care, they complained they couldnt hear me bc I was a cell phone. Never mind that I was just on with collections and had no problems, and that I work from home on the phone for 12 hours a day with no problems. They hung up on me. This was on XX/XX/XXXX. The collections agent had put all the notes on what happened at the top of my account. 

I called again on Saturday XX/XX/XXXX. Finally got through to customer care who said the credit had been requested on my account, and was being processed, to give it 3-5 business days. I checked my account the past week. No changes. 

I called again today and was disconnected twice from customer care, again, no issues with collections. 

My account is now 90 days past due, I have near perfect credit. I want my account closed, my money back, and credit report fixed for the past 2 months. Ill give them the first month bc I didnt make my payment and had not yet contacted them until I got my late notice. 

My biggest issue here is the customer care line. I literally can not speak to a person to get this resolved, citi has no branches in my area. What am I supposed to do to fix this?
Product: Credit card

I am filing this complaint against Discover Card for failing to uphold their obligations under the Fair Credit Billing Act ( FCBA ) in handling a billing dispute with XXXX. On [ Date of Purchase ], I purchased XXXX XXXX XXXX through XXXX using my Discover Card ( ending in XXXX ) for a total of {$330.00}. Due to XXXX admitted error, including failing to send me a confirmation email and not notifying me of a time change for the event, I was unable to attend as planned. 

When I contacted XXXX to resolve this issue, their representative confirmed in writing on XX/XX/2024, that a full refund of {$330.00} would be issued to my Discover Card. This confirmation is documented in both a chat transcript and a follow-up email, establishing XXXX commitment to the refund. However, when I filed a dispute with Discover to ensure this refund was processed, Discover denied the dispute, leaving me liable for the {$330.00} charge despite the merchants documented agreement to refund me. 

Under the FCBA, Discover is required to assist cardholders in disputes where merchants fail to deliver agreed-upon services or do not honor refunds. Discovers refusal to process my dispute is a direct violation of this requirement, as well as a breach of their own card member agreement, which assures cardholders of protections in cases where merchants fail to fulfill their obligations. 

I am seeking the CFPBs assistance in having Discover comply with their obligations under the FCBA by honoring the documented refund commitment from XXXX. I am requesting that Discover immediately reverse this charge of {$330.00} and provide written confirmation of the resolution. Additionally, I ask that Discover review and address their internal practices to prevent future incidents where cardholders are left unprotected in similar situations. 

Thank you for your attention to this matter.
Product: Debt collection

Ally Financial Bank sold an account together with all my personal confidential information to XXXX XXXX XXXX, info like SSN, Names, Mailing adress, Birtday, Phonenumbers etc etc. After that XXXX XXXX  XXXX start calling me and harresting me true phone calls and mail letters I dispute for almost 8 months this account, asking for signed contracts between me and them, bill statement that show for how much they bought this account and my personal confidential information and any autorization that proof they have the right to use all my information. Months after months this company send me letters stating this account has been validated under my name and belongs to me. Finally XXXX XXXX XXXX closed this account and deleted all reporting from the credit agencies. BUT TILL THIS DATE NONE DOCUMENTS HAVE BEEN MAILED TO MY ADRESS THAT SHOWS FOR HOW MUCH THEY BOUGH ALL MY PERSONAL INFORMATION AND I AM STILL AFRAID THIS COMPANY WILL USE MY PERSONAL INFORMATION FOR MALICIOUS ACTIVIES FURTHER UP. IN THIS CASE ALLY FINANCIAL AND XXXX   XXXX XXXX ARE NOT COOPERATING IN MY REQUEST OF THE DOCUMENTATION ABOUT THE SELL/BOUGH OF THIS ACCOUNT.
Product: Debt collection

A rep named XXXX XXXX from National Credit Adjusters violated FDCPA subsection 806 harassment or abuse and subsection 808 unfair practices when he called my home phone, mobile phone and then my employer. I work from home and I was working, even our receptionist asked to take a message from him and he declined asking for my supervisor. Prior to him calling my job I did answer the home phone when XXXX XXXX would not tell me where he was calling from or why I asked him to then call back and leave a message. He refused to do that and proceeded to call all my other numbers. This message went to my CEO! I do n't even know whether this is a valid debt and now my CEO has been bothered by this company! 

I sought legal counsel and was told about the federal violation and so I called the company back to alert them that XXXX XXXX acted illegally on their behalf. I was transferred around and do not believe my complaint was taken seriously by them. I told them. I stated that I do not authorize them to contact my employer and any further contact is a violation of federal law ( fdcpa ). Also stated that there is no legal reason for them to use skip tracing tactics when they are aware of my true contact information. Any additional contact to any third party concerning this alleged debt is a violation of the fdcpa. I also just finished alerting the WI State Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three Credit Reporting Agencies Equifax XXXX XXXX XX/XX/XXXXToday lowered my FICO score by 35 to 45 points With no late payments, irregular activities, enquiries, or debt to income increse utilization. 

I belive this could be Senior discrimination Please investigate and revert Thank you XXXX XXXX XXXX SS # XXXX Address XXXX XXXX XXXX XXXX F XXXX XXXX Ca XXXX XXXX XXXX DOB XX/XX/
Product: Student loan

loans were paid in full on consolidation with phea/aes also reported on credit report three times same loan paid loan on XX/XX/2018  and still on report as not paid. I tried calling to get matter resolved no help what so ever very disrespectful staff and management
Product: Student loan

The subject of this letter is problems I have been experiencing with taking out federal loans, and millions of others will be experiencing this too. I have about {$130000.00} of federal loans for studying at University XXXX XXXX  at XXXX and XXXX University. The servicing is outsourced to a private company called FedLoan Servicing based out of Pennsylvania. 

Whenever I try to make payments beyond the minimum required, FedLoan servicing is placing me in Paid Ahead Statusthey are applying additional payments to my future interest owed, instead of the principal! Even when telling them that I do NOT want to be in Paid Ahead Status, they are not listening to my request. For example I requested an additional monthly payment of $ XXXX/month to go toward my principal, and instead they apply it toward future interestdespite my repeatedly asking them not to. 

FedLoan Servicing is making it difficult if not impossible for people to pay off student loans. On top of that, when you are in deferment, for example going back to get another degree, this deferment forces you to capitalize the interest payments on prior loans. That means my loan balances have actually increased over time, even during deferment. 

I am also requesting assistance with my particular situation, where my additional $ XXXX/month payments havent been applied toward my principal. Despite paying off student loans for the past few years, my total balance continues to increase! 

Specific action items : 1. I have asked by phone, and via email, to have my $ XXXX/month additional payment only be applied toward principal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have claimed to fix this, but never do! 

2. Payment on XXXX- why was none of the {$470.00} applied toward principal? 

3. On XX/XX/XXXX, there is an unexplained capitalization of {$5100.00}. There is barely any explanation of where this amount came from, and how they decided to add it to my total balance. Because of the insufficient explanation, I am requesting this amount be deducted. Also I was never notified of this capitalization at the time it happened. 

4. On XX/XX/XXXX, another unexplained interest capitalization of {$2100.00}. There is no sufficient explanation and I was never notified at the time of this happening, so I am requesting this amount be deducted from my balance. 
- Sincerely, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Claim Title Correction of Mixed Information in My Credit Report - Second Complaint Related to Case XXXX Detailed Problem Description Since XX/XX/XXXX, when I received my XXXX ( ending in XXXX ), I have identified a mix-up in my credit report by TransUnion. My credit history is merged with that of another individual whose Social Security Number ends in XXXX. This error includes accounts, addresses, and employment information that are not mine. 

Despite filing a prior complaint with the CFPB ( case XXXX ), TransUnion only updated my address and completely disregarded the incorrect elements in my report. This oversight continues to harm my credit and prevents me from accessing financial products, as the other persons negative credit history affects mine. 

Previous Actions Taken Letters Sent to TransUnion : I submitted detailed communications on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, including : My correct information ( name, address, XXXX XXXX. 
Legitimate accounts ( only two : XXXX XXXX as an authorized user and XXXX XXXX ). 
Identification of incorrect elements in the report ( data from the individual with SSN XXXX ). 
TransUnions Response : In their response to my initial complaint ( XX/XX/XXXX ), they only updated my address and sent me a copy of my report, which still contained incorrect information. 

Additional Action : I contacted several entities listed in the report as information providers. They confirmed that corrections must be made directly with TransUnion. 

Impact on My Credit This error continues to damage my ability to apply for financial products due to the inclusion of debts, addresses, jobs, and accounts that do not belong to me.
Product: Debt collection

They called looking for someone by a name that does not reside here. Caller was advised of this and went on to question if I knew the person. There is no one here by the name that they are looking for and no one has any business ( past, present, future ) with this company. 

The number on the caller ID XXXX
Product: Debt collection

XX/XX/XXXX I brought XXXX XXXX XXXX  from XXXX XXXX a XXXX and transferred a XXXX  XXXX  I was told XXXX  XXXX  was just going to be transferred and know payment will be due on that phone we gave XXXX XXXX XXXX old XXXX  and and a another phone. The problem is the XXXX XXXX in XX/XX/XXXX both XXXX XXXX broke at the bend we had insurance on the phones and they were still under manufactured warranty. We were told to take to XXXX XXXX XXXX XXXX. My phone they fixed the phone but they didn't fix the camera they stated they couldn't my daughter XXXX XXXX they fixed the phone then rebroke the phone because they couldn't fix the camera then I was told to send phones to XXXX they told us both the mother broad was broke and we would have to pay like XXXX to get each phone fixed. So I wrote a letter to CEO XXXX XXXX Stating what happened with my XXXX XXXX XXXX in the Internet he is listed as the CEO of XXXX XXXX I never received a response until now when I got the letter from the collection agency. I don't feel I owe them XXXX. I would like some type of compromise. We can't use our phones so we went to XXXX and got new phones. Our phones were insured so we feel they were not new phones if the mother board broke on both phones. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wisconsin. XXXX. And am sure other people had the same problem with the XXXX XXXX When we came into XXXX XXXX a young lady was there for the problem we had with our phone. We should of not got them. You live and learn. Thank you for your time XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the XXXX, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.