23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

I was contacted by a representative from my current lender. The representative offered a XXXX point reduction in APR refinance loan for a {$10.00} administrative fee. The representative advised that because I had refinanced less than a year ago, the home assessment would not be needed. After a month, I was contacted by the representative and advised that I would need to obtain a new home value assessment. Once the assessment was complete, the home inspection documents that were sent separately to me and confirmed that the value had not changed. I was later contacted by the lender who advised that I did not qualify for the no cost refinance because my home value had dropped by XXXX. The terms then jumped to over XXXX for the same refinance. After showing proof that my home value had not changed, the loan rep advised that loan depot had made an error and there was nothing he could do. After multiple communications, the rep stated that he did not understand what had happened however, I would qualify for XXXX options that would both cost over XXXX.
Product: Debt collection

I want to make a complaint about D.Scott Caruthers collection representative I really don't know how much I owe at first it was {$4000.00} I started paying it went down to {$1.00} something, when my mom got a call threatened her if I didn't call back I was going to get arrested.. I wanted to check the recording but of course they didn't let me.. I called and they said it was now XXXX Now I never had a bill mailed only a verification of payment
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy ( XXXX ) listed on my credit report. It may belong to somebody else with the same name as me and is on my report in error, I am not sure. I have attempted to fix this issue with the three bureaus, though unsuccessfully. I have sent monthly dispute letters via certified mail. All three bureaus claim the XXXX was " verified as accurate ''. XXXX stated they verified the account through third party XXXX. This is not possible because I have confirmation from XXXX that my account has a security freeze placed so they are not providing info to anyone regarding my account AND they sent me a letter confirming they removed the listed XXXX in compliance with the Fair Credit reporting Act ( attached ). This proves that XXXX did not verify through XXXX. Experian stated they verified the account as accurate through " the company that reported the bankruptcy ''. They did not provide info regarding who reported this error. I did contact the Court that Experian listed and they stated they did not report it nor did they verify it as accurate. XXXX stated they verified it as accurate and provided no further information. XXXX also states on its website that it verifies XXXX using XXXX. At this point I am at a loss as to where or who I need to contact to have this very harmful error fixed
Product: Mortgage

I recently received my Annual  Escrow Account Disclosure Statement in the   mail and noticed that their is a 100 % increase in the PMI insurance that the institution is going to charge. This even though the  LTV is  at 81.7 % and I 've NEVER been late on a payment. I called the Customer Service number on the statement for an explanation on why there was going to be a 100 % increase in the PMI insurance but they advised they could n't help me that I 'd either have to fax or email a request to PMI department. I asked if there was a telephone number that I could call to ask this question and they said NO it had to be faxed or emaile d. WOW. I   proceeded to send an email but they have n't responded to my request for an explanation for the 100 % PMI increase so I 'm now filing a complain against them
Product: Debt collection

Online information ser {$2900.00} They are trying to charge me for an account that they bought and I have nothing signed with them, not a Contractor or anything, and the consumer law protects me from that.
Product: Debt collection

Today, XX/XX/2023, an old friend texted me a screen shot of a number that called him asking information about me and trying to imply what it was about. This is after they repeatedly call me about XXXX almost everyday. I am not working and I have started to pay things off little by little according to what I was advised to do. The number XXXX and the persons name was XXXX XXXX.
Product: Checking or savings account

Last Sunday I attempted to get gas for my vehicle and my card had been declined. I checked my chime banking app and saw I had no money in my account. I then saw three fraudulent charges on my account I did not make. I contacted chime and filed disputes. Chime continued to deny my disputes saying the charges were legitimate and not made an error. I continually explained to them I did not make these charges adding up to {$230.00}. I contacted both companies the charges were made and they have no record of the purchases being made to their accounts. They told me to contact my bank and cancel the charges which I attempted to do. After many attempts to cancel these charges chime continually denied me and refused to take the charges off of my account. I asked them if they were legitimate charges to show me invoices and receipts and also confirmation of delivery of product but I was ignored.
Product: Student loan

Back in XX/XX/XXXX, a friend of mine offered to pay off my student loan. I contacted XXXX XXXX   and the US Department of Education. I went back and forth for days before a supervisor at XXXX told me to hand write a letter of compromise. I am asking that I only pay back what was borrowed, since none of my payments over the years have even touched the principal balance. 

My income driven payments went from {$45.00} to {$180.00} per month. I can not pay this and have explained it multiple times to XXXX and US Dept of Edu. The last call I received from XXXX, ( XXXX ), was rude and did not listen to me. She was hasty in saying that settlements are never offered. Im only requesting that the interest be waived and then we will pay you in full. 

Now there are missed payments being reported to the credit agencies, so my score is suffering even more because of my student loans. You are treating me like an uneducated criminal, when all I did was go to college. 

Below are my notes from conversations with XXXX representatives. 

XXXX XXXX instructed me to write a handwritten " letter of compromise '' fax it to them at XXXX account number : XXXX XXXX and her supervisor employee ID : XXXX XXXX forbearance XX/XX/XXXX XXXX XX/XX/XXXX XXXX My account should have been in a forbearance after speaking with XXXX on XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXX -- - Update - XX/XX/XXXX Now my payments have jumped from {$180.00} to {$200.00} per month. My rent went up in XX/XX/XXXX and I can not afford this. They only take income into account when calculating monthly payment.
Product: Mortgage

I am in the process of removing PMI. As instructed by Truist. I started this process in XX/XX/XXXX and ( all in the company records and my recorded calls ) have sent multiple checks to have my house appraised. Every time I call the customer service rep gives me conflicting information. On my last call in XXXX, I was assured that they had my check and that the appraiser would be calling to set up the appointment within 120 days. 

Now it's XX/XX/XXXX and I called again this morning to get an update and the customer service rep is stating that I have not even started the process and need to mail a check to the same address I've already sent 2 checks to. I refused to mail a 3rd because this is outrageous after all the records they have of me going through THEIR process and following THEIR instructions. Again I started this process in XXXX of XXXX and it's now XX/XX/XXXX with them stating I need to start all over. 

The calls are all recorded, I've been told so much different information at this point I only want to speak with a manager and have still never received a call from anyone. I feel like I am getting the runaround and being lied to. I am trying to just follow their steps yet they fail to make sense and provide support.
Product: Credit reporting or other personal consumer reports

this is my second time dispute the account : XXXX XXXX # XXXX I have requested documentation from the following collections agencies : XXXX XXXX XXXX XXXX XXXXXXXX Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.
Product: Student loan

On XX/XX/XXXX I made a call to my loan provider Navient to see if they can lower my private loan monthly payment. I was told by two representatives that there is nothing they can do. I currently owe them $ XXXX in private loans. Ive never missed a payment and have been paying since XX/XX/XXXX. I have also called numerous companies about consolidation and I am getting no where to resolve this issue. 

I did notice Navient is being sued by the Federal Govt for not helping there customers. Now i can see why. Im starting to get nervous that I will lose my house and will have to file for bankruptcy. Companies like Navient are a burden to thousands of people and I can say that Im a vicitim of there poor practices.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the unauthorized inquiry below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the unauthorized inquiry below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. Please delete the unauthorized inquiry listed below : XXXX, Date of inquiry : XX/XX/year>, TransUnion.
Product: Debt collection

I'm a XXXX XXXX  veteran and fell into hard times with many health issues including XXXX  and needed assistance in paying my bills. XX/XX/XXXX after researching the best debt relief companies, I contacted Freedom Debt Relief and was very impressed with thier orientation and they appeared the best to handle my debtsI addressed my concerns regarding being apart of negotiation, ability to have access and receive copies of documentation from creditors and all legal documents. Freedom Debt relief agreed and also offered legal representation for an additional {$12.00} a month to protect me..with a promise from Freedom Debt that their lawyers would always be there when needed .At that point, I felt relief knowing I was being under their wing to handle my debts.and signed the documents giving Freedom Debt Relief full control of my debts along with an agreement to withdraw {$750.00} twice a month from my bank. 
It wasnt until the following year during an authorization request I learned XXXX XXXX sent documents stating I was being sued and I had not received notice nor documentation regarding that issue from Freedom DebtI questioned the actions taken by Freedom and was told it was on my web pagenever found nor had access to this information.. ..I was allowed to watch many videos regarding Freedom Relief negations which only created more confusion ... let me move forward regarding my deposits From XX/XX/XXXX - XX/XX/XXXX I deposited {$15000.00} into the my Freedom account .thinking I was paying off my XXXX XXXX accounts but was shocked to see my deposits were not going out to creditors ..instead Freedom Debt relief paid themselves first instead of to my Creditors almost {$7900.00} in Fees went to Freedom Debt relief it was a sicking feeling seeing that only my two of XXXX XXXX accounts had only been paid {$7100.00} One more issue, Freedom Debt Relief from XX/XX/XXXX through XX/XX/XXXX constantly harassed me with emails and text messages that stated ..if I didnt increase my payments to them then I would lose all the money in my accountthis went on and on every month while Freedom Debt charged more and more for fees to pay themselves.when I finally decided to move to another Debt relief program I had {$860.00} in my account ..and and request its return to my checking accountI received $ XXXXFreedom Debt relief took {$700.00} for fees .Freedom Debt Relief ..needs to be investagted!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have copies of my payment history which was provided from XXXX XXXX on XX/XX/XXXX. After a thorough comparison, it reflects different payment amounts and dates from what has been submitted via CFPB. With this discovery, I am looking to pursue legal action against XXXX XXXX as it appears my account has been wrongfully credited from as far back as XX/XX/XXXX. In addition, XXXX XXXX has not tried to contact me via phone. I have no missed calls or messages. I have only received letters stating that XXXX XXXX needed additional time to review my case. I am extremely relieved to discover these discrepancies. I have had strong reasons to believe there was a problem with my account for quite some time. I reported this to XXXX XXXX, with no luck or support. I now I have proof. I am more than willing to send you a copy of the documents I am referencing. Please advise how you would like for me to proceed. Thank you! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS AND INQUIRIES ARE NOT RELATED TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS MUST BE PURGED OFF MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT AND I WOULD LOVE THOSE TO BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN I AM XXXX YRS OLD AND I HAVENT TOUCH MY CREDIT IN YEARS. I GO RUN MY CREDIT TO BUY A HOME AND I SEE WHERE SOMEONE BEEN LIVING MY LIFE AND DESTROY MY CREDIT/LIFE AND MY DRIVING LICENSE ARE SUSPENDED DUE TO SOMEONE STOLE MY IDENTITY AND HAD A CAR IN MY NAME. THE ACCOUNT I BEEN DISPUTING ARE NOT MINE AND I HAVE A POLICE REPORT WITH IDENTITY THEFT REPORT. I NEED HELP BECAUSE THIS IS NOT ME THIS IS FRAUD PLEASE HELP ME.
Product: Credit reporting or other personal consumer reports

Still working on this while closing 3 others today with the same issue. This fraudulent company is a predatory company that needs to be held accountable AGAIN, GIVE BACK Y CREDIT HISTORY
Product: Mortgage

I am 3 years behind in my mortgage due to XXXX. I applied for and was accepted by MIHAF ( state of Michigan HAF ) for a grant amount of XXXX. My mortgage arrears are approximately XXXX ( I cant get a straight answer from LoanCare LLC, my servicer, on that amount ) The funds were sent to Loancare LLC who would not accept the funds because it did not cover the full amount ( I had hoped to do a partial claim for the amount not covered by MIHAF, which as i understand is an option under COVID relief. No one bothered to tell me the funds were sent back, or that my home was scheduled for sheriffs sale. I found out about that from a letter, from a realitor wanting to by my house and a copy of the sheriff sale notice. I have talked with approx. 7 different people at Loancare, two told me that yes they would accept a partial payment they others told me no they wouldnt. The only thing they will do for me is a loan modification, that will lower my monthly payment approx. {$100.00} dollars but extend my mortgate out 30 years. I have had my current mortgage 25 years and only have 5 years left on it. five years. and they want to extend it to 30 more years. How can they refuse funds and then extend my mortgage another 30 years????
Product: Vehicle loan or lease

I have been paying my monthly payment late, not late to be reported to the credit beau rues but late enough to incur a late charge, so I have been adding approximately {$40.00} dollars to cover the late fee. The company keeps adding it to the following month and keeps adding the total late fees I owe. When XXXX complaint about this they say they can not do anything until I pay the current bill and catch up. I started with Chrysler Capital in XX/XX/XXXX and there was a problem with my account and the payment bounced, so ever since then I have been paying with my debit card to substract the payment instantly. On XX/XX/XXXX I requested to have this payment put at the end of my contract, to which I was denied because of the issue in XXXX. In XX/XX/XXXX I was able to get approved to have that payment moved to the end of the contract but I was moving to a new residence and I had the money for the deposit stolen, which led to me to fall behind on the payment XX/XX/XXXX, again. I can pay the late fee because frankly if I don't get a bad mark in my credit report I am a XXXX veteran and I pay before the 30 day late mark, but every time I bring this up to Chrysler Capital they keep telling me its the daily interest and they take their debt first, instead of the late fee. I have had finance through XXXX XXXX back in XXXX and the interest was also daily, and there was a time when a similar situation was happening and the late fee was always assessed properly. I am now at {$300.00} dollars in late fees and every month I pay XXXX ( late ) {$840.00} to {$850.00}. My monthly payment amount is of {$810.00}. I am attaching a statement ( not current ) because I am locked out of the online account of Chrysler Capital however, you can see their breakdown of fees owed and " late ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX and Equifax let a company called XXXX XXXX XXXX in SC, open and close accounts, the same accounts only to change the account numbers. But they they opened back up the very same day and this went on 6 ( six ) times on each agencies report, without anyone verifying me any suspicious activity this went on from XX/XX/XXXX until XX/XX/XXXX. This also went on with XXXX XXXX XXXX but it only happened 2 times open and close and open and close again. Opened on XX/XX/XXXX and closed on XX/XX/XXXX then turned around and opened the very same day it closed XX/XX/XXXX to XX/XX/XXXX. your reporting old information letting it be remanufactured without verifying. So who knows what you were allowing before this latest report that I received on the XXXX of XX/XX/XXXX.
Product: Debt collection

I came to check my credit and Ive seen and got a email about capital one and XXXX XXXXXXXX XXXX I have no idea what these are about because I never had a credit card and or anything from XXXX in my name
Product: Debt collection

Ditech has repeatedly called this number over more than 9 months, despite repeated requests to remove the number from their records. The number is a business line, and the person they are looking to speak with does not work at this company.