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

After already submitting CFPB Complaint # XXXX Clarity Services Incorporated responded to my complaint with the following : " In response to this complaint, on XX/XX/2018, Clarity Services ( Clarity ) contacted the consumer to request the information necessary to assist with their concerns. On XX/XX/2018 and XX/XX/2018, Clarity followed up with the consumer to request the information necessary to assist with their concerns. As of XX/XX/2018, the consumer has been unresponsive to Claritys attempts to assist with their concerns. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is not true I attempted to call them back at the number I was given by the representative XXXX. When I call the number it was an automated system I waited on hold for 45 minutes but no one answered, so I left a voicemail. After I received a second voicemail message I decided to send them an email which was sent on XX/XX/XXXX requesting a response. 

They must not answer their phone, check their voicemail, or check their email, at Clarity services inc. 

I did respond to their voicemail and made several attempts to contact them. Their response to my cfpb complaint was not aligned with the facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Equifax stating the inquires was without my permission, I have several inquires that have high impact. The representative stated '' I had to make a complaint before anything can be remove ''. Please assist me with you help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and finally some misinformation like my name, address and employer to my credit report. It is clear that I am a victim of identity thief or fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS ALLOWED DPT EDXXXX TO REPORTED THE SAME ACCOUNTS ON MY EXPERIAN ACCOUNTS 30 TIMES AND I HAVE XXXX XXXX XXXX ON MY REPORT THAT HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND I WOULD WANT THESE ACCOUNTS OFF MY REPORT IN FOUR DAYS.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim to inaccurate/fraudulent accounts appearing on my credit file. I was extremely upset when I found out that I had inaccurate/fraudulent accounts on my file. I immediately filed a dispute with the credit bureau in XX/XX/2021. It have been 90 days since my original complaint and I have yet to get my issue resolved. I have since filed a total of three disputes with no response from the credit bureau. According to the Fair Credit Reporting Act my issue is supposed to be addressed within a 30 day window. My consumer rights are being violated and I am suffering financial and mental stress due to the inaccurate/fraudulent accounts hurting my general reputation. I am being ignored by the credit bureaus and I know the Consumer Finance Protection Bureau is the governing body to the credit bureaus and will enforce that they are properly doing their job according to the consumer laws in place set by congress. I have attached the letters that was mailed to them over the three month span. I need all of the inaccurate/fraudulent accounts removed from my file immediately.
Product: Credit card

Basically, Citibank wrongly double-charged me for a {$100.00} payment that I had already made and I still today do not have access to that {$100.00} and have just incurred a late fee for being unable to pay a separate bill on time due to Citibank 's error and their failure to refund me ( or to even give me access to an additional {$100.00} credit on my account on which I could have taken a cash advance on to pay my other bill ). They've drained multiple hours of my time and energy by wrongly withholding money that I needed to stay financially afloat ; they've caused me financial distress and have wasted my time and money. 

On XX/XX/XXXXXXXX I agreed to a payment plan with Citibank ( over the phone ) to pay down my credit card debt {$100.00} per month for the next 6 months starting with the first payment on XX/XX/XXXX ; an automatic payment was scheduled. 

At XXXX on XX/XX/XXXX, I called Citibank to inform them that I hadn't yet gathered the {$100.00} for the scheduled automatic payment and that I would instead need to make a manual payment myself later in the day the representative replied that that would not be a problem as long as I paid before midnight. I called again at XXXX confirming that I would be making a manual payment shortly ; I did my due diligence in communicating how and when I would be able to pay. At XXXX, I made a manual online payment of {$100.00} and the payment posted On XX/XX/XXXX, Citibank withdrew {$100.00} from my XXXX checking account ending in XXXX. 

On XXXX, Citibank erroneously double charged the same account and withdrew another {$100.00}. Upon learning this, I immediately called Citibank and informed them of their mistake and requested an expedited {$100.00} refund to my account so that I would be able to pay a separate bill and avoid a {$36.00} late fee. 

On XXXX, I called Citibank requesting an update for the refund so that I would be able to fulfill my payment to my other credit card ; no luck. 

On XXXX, I incurred a {$36.00} late fee from another bank as Citibank failed to refund what they erroneously took from me I still don't have access to the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX SYNCB/XXXX XXXX XXXX SYNCB/XXXX XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Checking or savings account

XXXX - Account Edning XXXX XX/XX/2020 Citibank NA Was asked during XX/XX/2020 to close my Checking Plus account number ending in XXXX. They have terminated my account with an outstanding balance principal {$100.00} and total balance of {$220.00}. They have sent a letter {$110.00} outstanding late fee and {$5.00} outstanding interest has been waived. They regret to waive the remaining {$100.00} outstanding principal balance which was fees that they imposed. They did not close my account during the COVID-19 period which was requested. They continue to charge and impose interest on this account which should have been closed. After repeated calls some of which were dropped and transferred they did not follow the request asked and avoided closing the account.
Product: Credit reporting

I have had XXXX list a debt on my credit report. XXXX and XXXX have both removed it off my credit report, however it has appeared back on my Experian report. This was a fraudulent account opened and I would like for it to be removed as it is harming me negatively. Experian also has these inquiries listed on my account that i never run and I would also like that removed as this is also harming me : XXXX, WA, XXXX ( XXXX ) XXXX XXXX, GA, XXXX ( XXXX ) XXXX, MA, XXXX ( XXXX ) XXXX XXXX, MN, XXXX ( XXXX ) XXXX XXXX, FL, XXXX ( XXXX ) XXXX XXXX, WI, XXXX ( XXXX ) XXXX XXXX, MD, XXXX ( XXXX ) XXXX, CA, XXXX ( XXXX ) XXXX, OH, XXXX ( XXXX ) XXXX XXXXThese inquiries and false reporting on my experian report is harming me greatly because it has been proven by the rest of the credit bureaus and IRS that i have been a victim of Identity theft.
Product: Credit reporting or other personal consumer reports

The company TRANSUNION is reporting an account on my credit report. I've sent an FTC report explaining what's happening. However, they've ignored my request. 
Today, I had a phone conversation with a Transunion employee who pretended to be a supervisor, her name is XXXX. 
I explained my request to her. However, all I heard from her were negative and aggressive things about me. And she mentions that the FTC is a non-legal document, when the Federal Trade Commission is a federal regulatory body. 
The truth is, I do NOT trust the TRANSUNION staff. My personal information is at risk. I say this because yesterday, XX/XX/year>, at XXXXXXXX XXXX I called Transunion to follow up on my request, and they transferred me to a supposed supervisor. So I told them on the call today and that person doesn't exist in the company.
Product: Mortgage

They applied my payment to the wrong place. Havent applied the payment where it was suppose to go. Now wants another payment. But wants me to go to XXXX XXXX to buy a gift card to make it. All the while not putting me on the loan modification that would have saved my house
Product: Payday loan, title loan, or personal loan

I issued a stop payment against Direct Cash LLC, and they changed their name from directcashtx to Direct Cash LL in the transaction. I consider this an unwritten attempt to revoke permission to debit my accounts. I have since sent a written attempt to revoke permission and I am awaiting a response. I consider this act deliberate as I presume they would not try to debit my account with a different name had they thought my account was closed. 

I also received a private call on the day of or shortly after the transaction, at XXXX on XX/XX/2022. I do not typically receive blocked calls. 

I am on XXXX in the state of Texas. Their abusive tactics have led me to go without food ( other than family donated ), utilities ( other than paid for by family ), and have nearly caused me to be evicted due to not being able to pay the rent. The amount of stress imposed by this companies tactics has exacerbated my XXXX and led to significant decline in everyday function. 

I also did not receive a copy of my loan agreement and was pressured into signing without reading as the agent would remain on the phone call - akin to being hovered over while you read it.
Product: Mortgage

I experienced a financial hardship in late XXXX through early XXXX, and I contacted my mortgage servicer, XXXX, to arrange for a modification for my loan. I submitted a hardship letter in XX/XX/XXXX along with the Uniform  Borrower Assistance Form. 

I received a letter on XX/XX/XXXX that was dated XX/XX/XXXX, informing me that I was approved for a foreclosure prevention alternative, specifically the FHA Home Affordable Modification. Along with the notice, I received information on the trial period plan. I signed and returned the Trial Period Plan Agreement and made the trial period payments as specified. 

I received a letter, dated XX/XX/XXXX, confirming that XXXX had received my final trial plan payment, and that I had successfully completed the trial plan period. I also received a letter, dated XX/XX/XXXX, finding me eligible for a permanent loan modification. The letter stated that the documents needed to be returned to XXXX by XX/XX/XXXX. I signed the documents in the presence of a notary on XX/XX/XXXX and returned them to XXXX  by XXXX  to ensure they arrived by the required date. Additionally, the HUD partial claim I returned with these documents was signed by XXXX XXXX of the Secretary of Housing and Urban Developmenton XX/XX/XXXX and recorded on XX/XX/XXXX ( Document ID : XXXX ). 

My modified monthly payment was {$900.00}. I continued making payments under the permanent modification without issue until early XXXX. 

I received two letters from XXXX in XXXX XXXXnearly five months after submitting the modification documentsdated XX/XX/XXXX and XX/XX/XXXX, stating that the modification was being denied because they did not receive the necessary documents. This, despite one of the documents they received being publicly recorded. 

I received three statements from XXXX in XX/XX/XXXX. These statements showed various amounts due, and incorrectly reflected a monthly payment of {$1100.00}. The XX/XX/XXXX notice showed {$12000.00} due ; XX/XX/XXXX showed {$11000.00} due ; and XX/XX/XXXX showed {$8200.00} due. 

On XX/XX/XXXX and XX/XX/XXXX, I received checks from XXXX for $ XXXXmy modified monthly paymentwith letters stating that the checks were for misapplication reversal. I continued making monthly payments for {$900.00}, as provided in the modified loan agreement. 

I received a letter dated XX/XX/XXXX, informing me that effective XX/XX/XXXX, servicing of my loan was being transferred from XXXX to Flagstar Bank. I subsequently received an Annual Escrow Account Disclosure Statement from XXXX, dated XX/XX/XXXX, which listed my present loan payment as {$1100.00}. It further noted that the surplus in my escrow account was being retained by XXXX  due to a delinquency. However, with the loan modification in XX/XX/XXXX, my loan was brought current, and I had made all monthly payments due since that time. 

I received a Notice of Default and Intent to Accelerate from Flagstar dated XX/XX/XXXX and an Act 6 Notice of Default and Intention to Foreclose from Flagstar dated XX/XX/XXXX. I also received a notice from Flagstar, dated XX/XX/XXXX, stating that my loss mitigation application was incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries are fraudulent and I demand to have these fraudulent inquiries removed immediately. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX.
Product: Credit card or prepaid card

XXXX XXXX was charged {$490.00} XX/XX/2018 for unpaid magazine subscription she was billed {$1900.00} for unpaid magazines she gave her credit card to Interstate Recovery Service XXXX   XXXX XXXX XXXX XXXX, VA XXXX phone XXXX XXXX XXXX. 
When XXXX contacted the magazine distributors there was no outstanding charges in the amount stated by Interstate recovery. We believe that a fraud has occuredsince interstate recovery has not sent backup information supporting there charges.
Product: Debt collection

I am filing this complaint because Midland Credit Management ( MCM ) is reporting inaccurate information to the credit bureaus, claiming that I owe XXXX I have never entered into any contractual agreement with MCM, and the company has failed to provide adequate validation of the debt. I have made multiple attempts to resolve this matter directly with the credit bureaus, creditors, and MCM, but have been unsuccessful. 

On XX/XX/XXXX, I sent MCM a formal debt validation request pursuant to the Fair Debt Collection Practices Act ( FDCPA ). In response, MCM provided copies of old statements but did not provide any documentation bearing my signature or any proof that I entered into a contractual agreement with them or the original creditor. This failure to provide sufficient evidence violates my rights under the FDCPA. 

I believe that I am a victim of identity theft and/or a data breach, as I have been subjected to several fraudulent activities recently. These include false accounts being attributed to me, an attempted opening of bank accounts in my name, and a recent theft of over {$3000.00} from my XXXX XXXX XXXX. The reporting of this alleged {$8200.00} debt only adds to the stress of dealing with these issues and further harms my credit. 

MCMs reporting of inaccurate information on my credit report has caused me significant harm. Despite my efforts to resolve the issue, MCM continues to report this unvalidated debt, which is unjust and unfair. Both the credit bureaus and MCM have a duty to uphold the law and not violate my consumer rights. 

I am requesting that the CFPB assist me in having this matter rectified immediately. I seek the removal of this unvalidated debt from my credit report and an assurance that MCM will cease its collection attempts unless and until it can provide valid proof of my obligation to pay this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When applying for credit I was informed of information on my report from several creditors that are reporting inaccurately. This information is inaccurate because the last date of activity is not correct. I disputed this information with the credit bureaus and the information remained even though it is inaccurate. The last date of activity has been re-aged on several old debts. 
I have listed the debts below in which the re-aging occurred. 

XXXX XXXX - {$860.00}, last day of activity XX/XX/XXXX XXXX XXXX - {$480.00}, last day of activity XX/XX/XXXX XXXX XXXX - {$450.00}, last day of activity XX/XX/XXXX XXXX Unknown account XXXX - {$2200.00} last day of activity XX/XX/XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX Enhanced Recovery - {$890.00} - open date listed as XX/XX/XXXX but was opened in XXXX, last day of activity was in XXXX. This was previously a XXXX account. I returned the phone before I went to XXXX XXXX XXXX. 

XXXX XXXX - Duplicate, original creditor was XXXX, last date of activity was XX/XX/XXXX. 

XXXX  XXXX {$480.00} the account was opened in XXXX. The last date of activity was XX/XX/XXXX. 

XXXX {$280.00} account was opened in XX/XX/XXXX. The last day of activity was XX/XX/XXXX. 

The re-aging of these old debts has caused me harm and has impacted my future in negative ways.
Product: Checking or savings account

On XXXX XXXX someone used a former checking account in XXXX, Minnesota XXXX for two different transactions, the account in question was changed over by a new bank but apparently they were still accepting checks from the old bank account although they had changed on XX/XX/XXXX. Someone also used the former checking account again on XX/XX/XXXX in XXXX XXXX Illinois. The bank has reversed all charges and has not held me responsible but in the meantime I have been sent to a credit bureau by XXXX and I have to file a report online of identification theft and also contact local law enforcement, and Im waiting for paperwork from XXXX regarding fraudulent charges and can not even purchase anything there with my current debit card until all is cleared up
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in the disclosure to Opt Out from XXXX XXXX selling/giving/using/sharing any of my information to third party and without my consent they gave my information to XXXX, XXXX and Transunion. The disclosure was mailed out to XXXX XXXX on XX/XX/2022. After seeing this information was listed on my consumer report, I started a complaint with XXXX XXXX and when I asked if I would receive any acknowledgement of the complaint or completion of the 'investigation ' I was told by the representative that I would not receive any confirmation or letter of acknowledgement. 
XXXX has violated 15 USC 6802 ( b ) ( 1 ), further XXXX, XXXX and Transunion has violated 15 USC 1681b, I never gave none of the CRA 's mentioned above permission or consent to place anything on my consumer report.
Product: Mortgage

I received an escrow analysis statement from Fay Servicing LLC dated XX/XX/XXXX2023. There was a shortage of the account and I was given a choice of paying the shortage of {$250.00} or the new monthly payment of {$800.00} starting XX/XX/XXXX2023. 
On XX/XX/XXXX, I paid the new payment of XXXX for XXXX. My payment was misapplied to the escrow shortage of {$250.00} and the remaining {$540.00} was applied to the Unapplied payment account. 

I called on XX/XX/XXXX23 to say my payment was misapplied and asked for it to be corrected. On XX/XX/XXXX 2023, a late fee of {$27.00} was applied to my account. On XXXX XXXX, 2023, my XXXX payment was credited of {$800.00}. On XX/XX/XXXX 2023, they reversed the shortage payment of {$250.00}. 
on XXXX XXXX2023 they credited a mortgage payment of {$780.00} ( the new payment that was on the escrow analysis if you paid the shortage. ). On XX/XX/XXXX, they applied an additional mortgage payment of {$780.00}. 
I have called continually since XX/XX/XXXX2023 trying to get them to reverse all activity back to XX/XX/XXXX2023, and apply my payments to match the new escrow analysis of XX/XX/XXXX2023. 
I can not get access to a supervisor. I have gotten put on hold for over 45 minutes with no return to the call and I have gotten hung up on multiple times. 
Currently, they tell me I need another escrow analysis because there is no shortage. I believe that all the transactions since XX/XX/XXXX2023, need to be reversed and my two payments of {$800.00} each should be applied correctly. The late fee of {$27.00} needs to be removed also. I can get nowhere further with anyone.

They did offer to have a supervisor call me back at XXXX XXXX on Wednesday the XXXX of XXXX. Someone left a voicemail on Friday the XXXX with an incorrect number. The phone number went to a car dealership in the United States.
Product: Student loan

I have been erroneously put on the XXXX plan, which is only applicable if you fail to recertify your IDR plan. Income driven repayment plan recertifications have been halted as of XX/XX/year> per directive of the Department of Education. Recertifications of IDR plans have not resumed to date. Furthermore, I never received my legal 90 day notice to recertify my income, and therefore it is impossible for me to have been placed on this plan.