23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2017 I called to have auto draft payment moved from XX/XX/XXXX to XX/XX/XXXX ( I am paid semi-monthly ). I was assured, on a recorded call, that it would not draft on Monday XX/XX/XXXX and that I would have to call in the payment myself if I wanted it to be drafted. The payment hit my account on XX/XX/XXXX ( Sunday ), which means they posted it on that Friday before ( XX/XX/XXXX ). I contacted the company and they told me that I didnt call in enough time to have it canceled. I talked to several different employees and finally someone was able to get me reimbursed for my NSF fee and my payment. 
I canceled their auto draft for good, with good reason behind it. I do not trust this company to post LEGAL, ON TIME, payments from my checking account. I am now being charged {$34.00} every month because check from XXXX XXXX  does not get to them until after the XXXX of the month. I called on Thursday ( XX/XX/XXXX ) and spoke to several employees that told me that NO ONE in this company is able to help me with this and that I will continue to be charged this insane amount unless the payment is in on XX/XX/XXXX. The last representative that I spoke to claimed she was going to have her manager call me on Monday ( XX/XX/XXXX ) to try to get this situation taken care of as it has been going on since XX/XX/XXXX .... It is now Tuesday, after XXXX in all time zones, and I still have not received a phone call from this company. The only reason I came off their auto draft in the first place was because they obviously do not know how to post payments correctly and I do not trust them. My payments have been sent in on the last day of the month and the XXXX every single month, but I am still being charged this {$34.00} every month. No one can help me get these fees off of my account and I do not feel that I should have to pay this due to this companys carelessness.
Product: Credit card

I had a account conversion from the Citi Advantage to the Citi Double Cash Card. I was told to call in at the year mark to have it converted because earlier it could not be done. I was told the {$95.00} would be credited in full and instead I received {$79.00}. I called and got the run-around from an agent. I called back again and got a passive-aggressive agent that would not let me get a word in. Bottom line here she said I was going to receive an additional {$22.00} and today I received an e-mail that reads I am receiving {$15.00}. Want to know why I am lied to?!? And there is a credit amount for - {$78.00} sitting on my account and Citi has not mailed a check.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding several potentially negative items on my credit report that I believe were not updated correctly following my XXXX XXXX bankruptcy discharge. 

Summary of the Issue : In XX/XX/XXXX, my XXXX XXXX bankruptcy case was discharged by the court ( XXXX XXXX XXXX XXXX XXXX, Date Filed XX/XX/XXXX ). After this discharge, I believe my credit report should have been updated to reflect that the following accounts were fully discharged and should no longer be marked as potentially negative, as the balances are XXXX and no further action is required on these accounts : Bank of America Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX XXXX XXXX XXXX XXXX  Multiple Accounts ) Dates Opened : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Status : Discharged through XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX XXXX  Despite the discharge, these accounts still show as " potentially negative '' or " discharged through bankruptcy, '' which is misleading and may hinder my ability to rebuild my credit. According to my records, these accounts should reflect the discharge status accurately and no longer be listed as negative or derogatory. 

Request for Action : I am requesting the following actions : Immediate correction and removal of any inaccurately marked potentially negative status on the aforementioned accounts. 
Clear documentation from each creditor stating that the account balances are XXXX and have been fully discharged. 
Update of my credit report to reflect accurate information regarding these accounts, ensuring they are listed as discharged in full and not negatively impacting my credit standing. 
Please investigate this issue and assist me in ensuring that my credit report is properly updated in accordance with the discharge of my XXXX XXXX  bankruptcy. 

Details of Bankruptcy : XXXX XXXX  Bankruptcy Discharged : XX/XX/XXXX Court : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Thank you for your prompt attention to this matter. I would appreciate any assistance in resolving this issue and ensuring my credit report is updated accurately. Please feel free to contact me if additional information or documentation is required. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Complaint submitted but nothing was done I feel like my rights are being ignored please see the PDF below
Product: Consumer Loan

I have a vehicle financed of which i paid a total of 59 payments on a 60 payment loan as of XXXX/XXXX/15. The financial institution was trying to charge me an additional XXXX in interest which i had made multiple requests and sent multiple overnight letter to try and discuss due to this should not be due and it has gone un responded. I have since made the 60th payment on my loan and still they do not respond and will not try and help. We did take extensions on the loan due to family illness and job issue during the 5 years which is way our maturity date was moved to XX/XX/2015 but all payments have since been made our original maturity date was to be XX/XX/2015. Any help to gain a response and to help fix my wife 's credit for the last few months would be great. Each time i have spoken to a representative they advised to hold the payment until the issue is taken care of and it never was and they in turn reported negatively on her credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carmax reported me late for XXXX & XXXX of XXXX to the 3 major credit bureaus. I was not late. I disputed the adverse reporting multiple times & Carmax Credit Maintenance Dept,  has refused to update the reporting. The adverse reporting dropped my XXXX score thus preventing me from being approved for a home loan. I was late in XXXX of XXXX, but was told that the adverse reporting would not be reported due Carmax not reporting to the major credit bureaus from XX/XX/XXXX- XX/XX/XXXX due to a major system issue and update. 
Per the Carmax instruction page, " If you have concerns regarding information about your CarMax Auto Finance account, please contact our Customer Service team at ( XXXX ) XXXX. '' I've called 3 times, the 1st CS placed a dispute, ( this was in XXXX can't recall her name ) the second attempted to connect me to the credit maintenance dept ( XXXX XXXX but she was told " since Carmax couldn't report during those months they used another month even if I was current in that month and therefore they won't update the adverse reporting. I spoke to a manager ( XXXX XXXX who placed another dispute. She requested they update, XXXX of XXXX to reflect as late and the adverse reporting for XXXX to be corrected as, " paid as agreed. '' This is unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage lien opened via refinance in XX/XX/XXXX. I had a chapter XXXX discharged in XX/XX/XXXX that had been open since XXXX. Pacific Union had been reporting it as current and open. Speaking with their servicing they said as soon as they received word of the discharge they would begin reporting to the bureaus. On XX/XX/XXXX I sent them a copy of my report as I was purchasing an investment property. I mentioned that although reporting the account as current there was no monthly activity being reported nor was the current balance being updated. I received a letter from Pacific Union indicated they had erred and would correct the mistake. In XXXX they reported the loan as closed and subject to a bankruptcy and refuse to correct the error. They sent me a nasty email saying it was not their obligation and the debt was not re-affirmed. Chapter XXXX bankruptcy does not require any re-affirmation of debt only a chapter XXXX does as was also conveyed by the previous servicing manager I had spoken to. The account is open and in good standing and has never been late and I would like such to be reflected on my credit.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to delete all lested items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to deleteall items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
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 XXXXXXXX Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. As of this writing over 60 have passed and I have not received a response. I believe that Im being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove the item from my credit report. It has been over 60 days therefore they should be deleted immediately. I demand these account be deleted immediately or I will pursue litigation due to the financial harm this has caused me. My information also was impacted by the Equifax data breach and may have fallen into the hands of some bad actors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes in regards to incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

JPMCB is reporting inaccurate information on my account XXXX, Please verify the completness and accuracy of this account and reinvestigate the account. 




I am writing to formally dispute the reporting and treatment of my account with JPMCB Card, particularly concerning the allegation of a late payment. This dispute is based on the precedent set in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which addresses the proper handling of credit payments and consumer rights under similar circumstances.

Additionally, according to 15 U.S.C. 1666B ( a ) - Timing of 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 if the payment was received by the due date specified. 

In light of these provisions, I request that you provide me with the internal records and documentation proving that my payment was actually late. Please include the payment processing details, including the date and time the payment was received and any relevant correspondence regarding this matter. 

Moreover, I have noticed that JPMCB has inaccurately reported this account on my consumer credit report, which may be in violation of the Fair Credit Reporting Act ( FCRA ). I request that you promptly correct any inaccuracies related to this account on my credit report and notify me once the correction has been made. Please respond to this dispute and provide the requested documenta
tion within 10 days from the date of this letter. Failure to do so will result in further actions to protect my rights under the applicable laws.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting

I DISPUTED A COLLECTION ACCOUNT FROM TBF FINANCIAL IN THE AMOUNT OF {$14000.00} THAT APPEARED ON MY REPORT IN XX/XX/XXXX. I DO NOT HAVE AN ACCOUNT WITH TBF FINANCIAL NOR HAVE THEY CONTACTED ME NOTIFYING THAT I HAVE AN ACCOUNT WITH THEM. I FOUND OUT THAT THIS COLLECTION WAS ON MY CREDIT REPORT AFTER BEING DENIED CREDIT. I TRIED CONTACTING XXXX TO VALIDATE THIS DEBT BUT I HAVE NOT GOT A RESPONSE. I HAVE DISPUTED THIS COLLECTION ACCOUNT WITH EXPERIAN MULTIPLE TIMES AND THEY GIVE THE SAME RESPONSE, " VERIFIED NO CHANGE ''. EACH DISPUTE IS COMPLETED BY EXPERIAN IN 2 DAYS, WHICH LEADS ME TO BELIEVE THAT THEY ARE NOT DOING A FULL INVESTIGATION. IN MY LAST ATTEMPT TO GET THIS INFORMATION CORRECTED I SENT A NOTARIZED LETTER ON XX/XX/XXXX ASKING EXPERIAN TO RE-INVESTIGATE THIS COLLECTION AND HAVE IT REMOVED. I CALLED ON XX/XX/XXXX TO FOLLOW UP ON THE RE-INVESTIGATION AND THE REP TOLD ME THAT THE COLLECTION ACCOUNT WILL REMAIN. I ASKED THE REP WHAT METHODS THEY USED TO VERIFY THE COLLECTION ACCOUNT IS ACCURATE. HE RESPONDED BY TELLING ME THAT IT 'S NOT EXPERIAN 'S RESPONSIBILITY TO VERIFY THAT THE ACCOUNT IS VALID, IT 'S UP TO THE CREDITOR TO DO THAT. I AM REQUESTING YOUR HELP TO HAVE EXPERIAN DO A FULL INVESTIGATION AND HAVE THIS XXXX COLLECTION ACCOUNT REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOAN OR LEASES 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$570.00} INQUIRIES : 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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting service.
Product: Debt collection

4 Remaining Negative Accounts. 

Account Name : USA FUNDS Account Number : XXXX Account Name : USA FUNDS Account Number : XXXX Account Name : USA FUNDS Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Mortgage

I came out of XXXX forbearance in XX/XX/XXXX. I promptly filled out a loss mitigation application with my mortgage servicer, Freedom Mortgage. I have email confirmation that they received my application. They sent me a letter stating that they needed the IRS form XXXX and a letter explaining the extra income sent in. I promptly sent in their requested additional documentation, and have email confirmation that they received the additional paperwork. Every time I called in to check on my status, I was told " it takes a while and to be patient. '' In XX/XX/XXXX, I was finally told that the time ran out on my application in XX/XX/XXXX because they did not have a properly filled out IRS Form XXXX. I had filled out this form and they never told me other than the confirmation of receipt that it was wrong or missing. I went back and forth several times with their customer service personnel and escalation specialists. However, I was never given a reason as to why this oversight happened and no one from this company has ever communicated with me or followed up with me. This seems to be a very clear violation of 12 CFR 1024.41 ( b ) and subsequent subsections concerning Loss Mitigation Procedures under RESPA. 

I spoke with them again today to inquire about my NEW application for loss mitigation assistance. I was told AGAIN that they were missing IRS Form XXXX as well as several other documents. This was the first anyone had communicated with me in two weeks and I was never notified that the application was incomplete. Again, in violation of RESPA. To make matters worse, I submitted all of these documents and application through Freedom 's own website application process. You can't continue through their web-based applicaiton process without uploading the proper documents and filling out the application completely. I feel that Freedom is purposely running out the clock on these applications to be able to foreclose on customers so that Freedom can profit off of the large increase in housing value over the last two years. This is unconscionable and immoral and their violations of RESPA are illegal.
Product: Debt collection

On XX/XX/XXXX I arranged through XXXX or XXXX 's XXXX to have a roof repair to be performed on my home from one of the XXXX service providers. As a convenience XXXX offered assistance to pay for the service through Affirm. I agreed to use the installment plan through Affirm before the actual repair took place setting it up for auto-pay. XXXX 's technicians never performed any repairs, cancelled on XX/XX/XXXX due to weather, then I rescheduled the appointment to the following day XX/XX/XXXX and the technician cancelled due to a traffic accident. I did not reschedule any services through XXXX and had the repairs done by someone not related to XXXX and paid out of pocket in full. Around XX/XX/XXXX or so I began to recieve emails about my upcoming auto-payment from Affirm. I immediately contacted Affirm to make them aware that no repair had been performed by XXXX and was told that Affirm had paid XXXX for the service and that the debt was mine. I could not reasonably resolve the issue with Affirm. I contacted my bank and placed a stop payment on that account, and then filed a complaint with the BBB against both companies. Affirm reached out to me by email and suggested that I use their dispute process to address the problem and when I tried that there was no dispute choice that fit my specifice situation, only choices that included situation that involved not being satified with the technician or service. I continued to recieve notifications of failed auto-pay attempts in XXXX, XXXX, and XX/XX/XXXX and phone calls which I would explain the situation with no resolution other than Affirm wanting money from me that I never received, just an agreement to pay for a service prior to work being performed. Long story short they reported the account delinquent on my credit so I have been forced to pay a debt on today XX/XX/XXXX that I never owed that has affected very negatively my credit score. XXXX owes Affirm since they paid them before verifying whether the service was performed. Once I paid Affirm I tried again to make them aware of this very unfair decision on their part and live customer service reps refused to even speak to me stating that the information that the my name did not match the account, however, on the exact same phone call I had just previously paid the account in full and the automated system confirmed my identity. Very shady business practice. Please help.