23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint against XXXXXXXX XXXX  regarding the mishandling of a due date change request, the misapplication of a promised late fee waiver, and the subsequent reporting of a past due balance that has negatively impacted my account. 

On XX/XX/year>, I contacted XXXXXXXX XXXX to request a change to my payment due date. I was informed by their representative that the due date change would take effect after two billing cycles, and that I would still be responsible for making payments on the original due date in the meantime. However, I was assured by the representative that I would be eligible for, and granted, a one-time late fee waiver under these circumstances. 

After making the payment late, I contacted XXXXXXXX XXXX again to request the promised waiver. At that time, I was informed that the waiver had been successfully applied and that the fee would be removed. 

Despite these assurances, the late fee was not removed, and my account was reported with a past due balance. Additionally, I am now being charged fees that are higher than usual, without justification. 

This series of events may constitute violations of several consumer protection regulations, including : 1. Regulation Z ( Truth in Lending Act - 12 CFR 1026 ) : XXXXXXXX XXXX failed to clearly disclose the terms and conditions regarding the late fee waiver and due date change, which may be misleading or deceptive.

2. Fair Credit Reporting Act ( FCRA - 15 U.S.C. 1681 ) : Reporting my account as past due after an agreement was made and allegedly honored constitutes inaccurate credit reporting. 

3. Dodd-Frank Wall Street Reform and Consumer Protection Act - UDAAP Provisions ( 12 U.S.C. 5531 ) : The bank 's practices may be deemed unfair or deceptive acts or practices ( UDAAP ), as they misrepresented the waiver and due date change, which resulted in financial harm to me. 

I respectfully request that the CFPB investigate this matter and assist in ensuring the following : Removal of the late fee in accordance with the promise made to me. 
Correction of any negative or inaccurate information reported to credit bureaus. 
Recalculation of any excessive or erroneous fees charged. 
Assurance that XXXXXXXX XXXX implements corrective measures to prevent this issue from recurring with other consumers. 

Thank you for your attention to this matter. I am happy to provide additional documentation or recordings of the calls if necessary.
Product: Credit card or prepaid card

From XX/XX/22 to XX/XX/22 multiple unauthorized charges were made on direct express account. Company was contacted to dispute charges.
Product: Vehicle loan or lease

I am writing to dispute a report made by TD Auto Finance to the creditors regarding a late payment on my account made on XX/XX/19. This was a result of a technical issue on their website with the setup of autopay which Im still attempting to get resolved with TD Auto Finance customer service. 

I've encountered what appears to be a technical issue on their website while when applying a payment, the payment is applied to the Principle only and not my monthly payments. This resulted in a late payment being applied to my account for {$5.00} on XX/XX/19 which was reported to all credit agencies essentially lowering my score some XXXX points. 
From XXXX -> XXXX ( XXXX/XXXX  ). 

I've tried several times to resolve with TD Auto Finance yet they still only apply my payment to the principle and not my monthly payment. I'm then forced to call customer service and then have then manually reverse and reapply to my monthly. 

At the time of the reported late incident I had both the funds in my account and every intention to pay to avoid incidents such as this. As this was the results of some technical issue with the site, I'd like to submit this complaint. 

Thank you for reading. 

XXXX XXXX
Product: Debt collection

XX/XX/XXXX I submitted a dispute/validation letter to XXXX XXXX XXXX a.k.a XXXX XXXX which was received by XXXX XXXX via certified mail on XX/XX/XXXX. 

XXXX XXXX XXXX a.k.a XXXX XXXX failed to respond to my validation request and further sold the unverified, invalidated account to Commonwealth Financial Solutions. 

XX/XX/XXXX I spoke with a XXXX XXXX who identified herself as a supervisor. I asked Ms. XXXX how, or when did Commonwealth Financial contacted me regarding the debt her agency has posted to my credit profile. Ms XXXX stated prior to my phone call of XX/XX/XXXX, no effort to communicate the debt was made, rather, the only effort was to past the derogatory information to all credit bureaus. 

I further asked Ms. XXXX when was the debt sold to Commonwealth Financial Solutions by XXXX XXXX. Ms. XXXX stated the debt was received " in-house '' XX/XX/XXXX, processed XX/XX/XXXX, and from the information reported on my credit profile, they submitted the derogatory information XX/XX/XXXX. 

I further asked Ms. XXXX if she was aware that I had submitted via certified mail a letter to XXXX XXXX XXXX a.k.a XXXX XXXX requesting validation of the account two ( 2 ) years prior, to which I did not receive a response from Ms. XXXX.
Product: Credit card or prepaid card

Since XX/XX/XXXX I was not able to make a payment due to a system glitch with Comenity Bank for XXXX Credit card. My payment is due in the XXXX and I was not able to get in their system until XXXX. I called back on XXXX to check my balance and make a final payment and found I was charged a late fee. I called and they refused to refund because my account is closed. This late payment was not my fault and due to their system issues. I would like the fee refunded.
Product: Mortgage

1. My escrow payment was not made for school taxes, resulting in a XXXX % penalty, and i had to pay the taxes out of pocket as the servicer did not have adequate funds to do so. However when i refinanced, there were adequate funds to have them paid by the due date. The loan was sold 3x, and no one know whats going on. 
2. i have asked for an escrow analysis by Freedom Mortgage on XXXX XXXX, i have yet to receive an acceptable answer on whats going on. 
3. Prior to Freedom serving my loan it was serviced by XXXX XXXX XXXX, they did an escrow anaylis, after i changed my homeowners insurance, lowering my monthly payment. However they made an error and sent my insurance company another years payment, it was not due for nearly 10 more months. 
4. Freedom Mortgage said they did not receive my XXXX mortgage payment, i have a confirmation form my bank XXXX that the check had been delivered to them on XXXX XXXX. I recieved a phone call on XXXX XXXX stating my paymetn was not made, i advised i did make it and sent an email of screenshot showing delivery. On XXXX XXXX XXXX ext XXXX called again stating she was colecitng a debt and started to harass me, i explained what happened, i was transfered to an escalation leader XXXX and karlene XXXX, XXXX would put me on mute and hold while i was speaking, when i confronted her about this, she said yes she had been putting me on Mute while i was talking because i am rude for talking over her. The recordings will show evidence of this. 
5. Finally i was transfered to XXXX direct # XXXX, where we were getiting no where, saying she never recieved any of the emails of confirmation of payment, so i stopped payment on the check for {$1400.00} to Freedom, and paid over the phone with XXXX. I was told the payment would show on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and nothing has been taken from my checking account. 
6. I recieved a call form XXXX XXXX, asking me to verify information because Freedom emailed them and said XXXX is the servicer. I have never made a payment to XXXX, the rep form XXXX said you are not in our system, we are not servicing you. No one seems to know who is servicing my loan.
Product: Credit reporting or other personal consumer reports

I had a credit reporting service from XXXX for XXXX months. I cancelled it in XX/XX/2023. They cancelled it but they have my CC # listed in full on my account. I want this information taken off my account. They do not need this information since the service was cancelled. They say they can't do this because it is hard to do. I want it off my account since I no longer have the service and anyone can get this information and hackers can get my CC information. Please instruct them to remove this.
Product: Credit card or prepaid card

I want to raise a complaint against Citibank ( Citi ) regarding a merchant dispute I filed against XXXX ( the Merchant ) in the amount of {$4100.00} on XX/XX/2020 for a vacation that was cancelled on XX/XX/2020. 

On XX/XX/2020 ( twenty-three days after filing the dispute with Citi ), Citi finally updated me via email with news that Citi : 1 ) had heard back from the Merchant, 2 ) would review the information the Merchant provided, and 3 ) would get back to me within ten business days. 

Ten business days passed with ZERO updates from Citi about my dispute. On XX/XX/2020, I called Citi and spoke to a representative who could offer no explanation as to why I had not been updated or why Citi so severely mismanaged my expectations about my dispute over the hefty {$4100.00} sum. The representative simply said she would send an email to the investigator, reminding the investigator to give me the update I never received, and added the turnaround process would take an additional seven to ten business days! As a result, you can imagine my enormous level of frustration and feelings of being lied to by Citi. 

Meanwhile, many others who have experienced the same issue with the Merchant, but used XXXX to book their travel, have already received permanent credits for their disputed amounts. You can read their stories, along with many others who have gotten nowhere about this issue with Citi, within the XXXX group SCAMMED by book it. 

Lastly, I will mention that I have not been asked for any documentation by Citi that will support my claim, though I have plenty. Does anyone at Citi even care? Below are items that support my case, which I will also upload with my complaint. 

1. The Merchants terms and conditions. 
2. A screenshot with today 's date ( XX/XX/2020 ) of the Merchants website showing no refund has been paid. 
3. A screenshot of the Merchants homepage saying they are unable to process refunds and for people to contact their banks for available options as cardholders. 
4. A consumer complaint form with the Texas Attorney General and documentation of filing a complaint with the Florida Attorney General. 
5. Complaint filed with the XXXX XXXX XXXX Police department about the Merchant. 

Do you know what it says on Citis homepage? We are here to help. I do not feel like Citi has helped me at all regarding this dispute. 

More specifically, at https : //citi.com/citi/about/data/citi_commitment_summary.pdf? ieNocache=624, under Citis Commitment, it says , During  these uncertain times, Citi remains well-positioned from a capital and liquidity perspective. We have a strong balance sheet and will continue to actively support our clients and customers through this challenging period.
Product: Debt collection

LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX 

this debt is not mine. i spoke to the company and reported it as incorrect, however, they dont pay me any mind Account info Account number XXXX Date opened XX/XX/2017 original amount {$300.00} Balance {$610.00}
Product: Money transfer, virtual currency, or money service

I applied for a PPP loan through XXXX XXXX on XX/XX/21. I was SBA approved on XX/XX/21. They then sent an email saying my documents will be sent to me in 2-3 days. I got my documents to sign for funding XX/XX/21. I was not able to change my banking info they sent another email to update my banking XX/XX/21. They then sent an email saying it takes 2-4 business days for my funds to be in my account. It is now XX/XX/21 and I have emailed them and chatted with them everyday and they told me to be patient and they dont have a ETA on when my funds will be sent to my account. They do not have a phone to contact them, the lender Capital Plus Financial doesnt have a way for me to contact. I have emailed the CEO of capital plus financial every single day which is the lender and I have not heard anything from them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed Chapter XXXX bankruptcy, which including all of my accounts and XXXX XXXX. XXXX XXXX then sent that account to collections. My attorney sent them all the necessary paperwork. In XXXX I was unaware that they had put a lien on my house until I went to sell. Another motion was filed on XX/XX/XXXX including XXXX XXXX, again, they were added back to the original bankruptcy of XXXX. It was removed, from the title due to the evidence presented and my house was sold. I then received countless collections letters from a Collection Agency, which I sent to my attorney. I then disputed this online 3 times the credits bureaus with no change. 
On XX/XX/XXXX, I sent XXXX, XXXX, and Equifax certified mail, return receipt requested with all of the following, 1 ) my original bankruptcy, 2 ) the amendment to it, 3 ) a notarized copy of my DL and SS card to prove my identity, 4 ) a current copy of their current credit report, and 5 ) even proof of receipt of filing in court. They have since documented this on my credit bureau and the collections remained. Says creditor disputes this. All three are the same. My credit score has now dropped below 700.
Product: Mortgage

I receive a Form XXXX last year from Ocwen because filed for modification of my mortgage loan. Ocwen modified my loan and canceled a portion of the debt I owed in the amount of {$19000.00}. I understand that according to the IRS, this means that Ocwen is writing that amount off as a cancellation of debt and I no longer have to pay it back the {$19000.00}. Therefore, I need to include the amount of debt from XXXX report on my tax return as income which I did. As a result, it caused me to have to pay in taxes to the IRS last year, which I never had to do before when I filled taxes. 

This year, I filed for another modification with Ocwen. while speaking to the agent he informed me that I was approved for the modification and went over the terms with me. Ocwen stated that with this new modification called trial plan period that my principal balance is {$79000.00}. I ask the agent why is my loan so high, that its almost back the amount of my loan before the first modification ( {$87000.00} ). The agent said that the add {$12000.00} of the {$19000.00} back to the loan. I told him that they could not do that because that amount was charged off and reported as income on my taxes. 

My second complaint is also that there 's a balloon payment that will be of {$61000.00} at the time this note matures on XXXX XXXX. In my first modification the balloon payment was due XXXX XXXX, XXXX for {$16000.00}. In my opinion this is not a true loan modification. I feel that I am be taken advantage of, please help me. I have enclosed the first modification paperwork, the trial period paperwork that a sent me they will mot give me the permanent modification until the XXXX payment of {$400.00} have been paid, and the XXXX form I used to file my taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Opened XX/XX/XXXX - {$1000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$2700.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX - {$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$460.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.
Product: Mortgage

XXXX. The mortgage servicer PHH Mortgage Services has denied the review of my Mortgage Assistance application. 

XXXX. PHH Mortgage Services previously approved a short sale option to sell my home. However, the buyer did not complete the sale, which caused the approval of my short sale to expire. 

XXXX. I informed PHH Mortgage Services upon the expiration of my short sale approval, that I had obtained a new buyer and could proceed. 

XXXX. PHH Mortgage Services advised me I would need to reapply because the previous short sale had expired. PHH Mortgage Services assured me that I would be approved as the file had just closed. 
XXXX. I applied and PHH Mortgage Services denied my application stating they did not have time to complete the short sale. 
XXXX. PHH Mortgage Services had entered a foreclosure sale date, within days of my submitting a complete mortgage assistance application, PHH Mortgage Services entered a foreclosure sale date of XX/XX/XXXX. 

XXXX. The actions of PHH Mortgage Services are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, XXXX XXXX violates the rule of RESPA AND ECOA, while failing to properly and timely provide XXXX XXXX with the required documentation to complete modification and or provide a Mortgage Assistance package, while discriminating against XXXX XXXX by not accepting said RMA application. 

a. This practice violates federal law ( 12 C.F.R. 1024.41 ) ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. 

XXXX. As stated in the opening of this Notice of Error, I complied with instructions provided by PHH Mortgage Services and continued to apply and request assistance. However, a foreclosure sale date was scheduled, and assistance was denied. As of XX/XX/XXXX, the sale date of XX/XX/XXXX, remains on record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the effort to delete some of the items from my file that were allegedly obtained through identity theft, but I still need to delete a few more. Any goods identified on an ID THEFT REPORT must be removed in accordance with FCRA section 605 of the law. This report was originally included in a prior letter, so I'm including it again. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020, EQUIFAX MORTGAGE SOL add a hard inquiries on my credit reports per XXXX, Equifax and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On AXX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Consumer Loan

Prestige financial constantly uses tactics such as harrasment and providing false information in an attempt to receive vehicle loan payments. I was advised for my XXXX 2015 payment that I owed an additional {$340.00} in fees. I received no advance warning via mail, email, text, or telephone although they constantly use those methods ( excluding mail ) to harras me if I am one day or more late with making a payment. I requested Prestige provide me with breakdown of additional charges on XXXX/XXXX/15 and as of today have not received any documentation, and am still being harrassed to make payment for fees. Prestige has reported multiple inaccuracies regarding car loan, and it has gotten to the point I dont even know my accurate loan balance. The online system reports one amount, and the representatives give you another amount. Prestige financial uses predatory lending practices and needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. The thirty days for this dispute to be handled is passed. I have records showing my contact with you. I am requesting that my dispute is handled immediately and that the inaccurate item from my original request be updated. 

XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I attempted to send a request for to XXXX XXXX XXXX on XXXX XXXX 2023 via certified mail to the address listed on my credit report ( XXXX XXXX XXXX XXXX, Ga XXXX ). The letter was returned as undeliverable. According to the FCRA i have the right to an accurate credit report. Since the address is not listed correct i demand any account associated with XXXX collection agency be instantly removed.
Product: Mortgage

Unfortunately this issue has been occurring annually since they first started servicing the loan. I have had issues originally about them mis-apply my mortgage payments, after months of communications, things were straightened out. A month before my first payment was due, I set up bi-weekly ACH mortgage payments through my credit union. The first year, there was a shortage with my escrow account, so I elected to pay the shortage and my payment still increased. In XXXX I refinanced my loan and my original payment was XXXX. My escrow payment was originally XXXX. In XX/XX/XXXX, I paid a shortage payment of XXXX, and my payment still increased to XXXX. An increase of XXXX/month, even though I paid the shortage. In XX/XX/XXXX, I paid the shortage of XXXX, and my payment still went up to XXXX, an increase of XXXX. As you can see everything is doubled, escrow shortage and the amount of monthly increase. When I spoke to the Agent yesterday, he stated that the XXXX payment went to unapplied funds and not to my escrow account, despite the fact that I mailed in the escrow payment with the payment coupon to the address stated on the coupon. In XX/XX/XXXX, I paid the escrow shortage amount of XXXX, and my payment incteased to XXXX, a monthly increase of XXXX/month. Once again, my monthly increase almost doubled, even though I paid the shortage amount. This year my shortage amount is XXXX, and my payment will go up to XXXX. Will this madness ever end? Clearly there is a problem. Who can continue to keep their home at the rate of these increases. This is all due to escrow. What happened to my misapplied escrow payment? Why did n't anyone ever tell me? Could that be the reason for the significant increase? What recourse do I have as the consumer who has always paid their mortgage on time? I realize my property taxes have increased because my property value has increased. But that 's why I pay yeh shortage amount. So why does my escrow payment have to consistently increase. I requested an escrow cancellation, and they denied it. The denial stated my loan needs to be less than 80 % of the original loan amount. Even the denial letter has a XX/XX/XXXX denial date, and he request was made in XX/XX/XXXX.