23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The Home Depot offers consumer credit cards which are serviced through Citibank. 
They periodically offer extended payment terms with no interest charges if paid within XXXX, XXXX, XXXX, or XXXX months depending on the amount of the purchase. The extended terms purchases accrue interest at 25.99 % which is only charged if you fail to pay the balance in full before the extended term expires. 
The problem is the way that they apply payments that are made on the account. The online payment system does not allow the customer to direct which balance that you want your payment to reduce. 
In general, the typical account will have balances from : 1 ) current month purchases ( which have not appeared on a monthly statement ), 2 ) prior period purchases ( which must be paid in full by the payment due date to avoid interest charges ), 3 ) one or more extended terms balances ( which must be paid in full by a specified date to avoid the deferred interest charge ). 
The Citibank system will automatically apply a payment to current month purchases before applying anything to the extended terms purchase balances. Obviously, they try to make sure that you do not get the extended terms purchase paid in full before the expiration so that they can collect the accumulated deferred interest charges. 
As a result, I have stopped making any new purchases on my Home Depot credit card which forces Citibank to apply my payment to the extended terms purchases. However, they are still applying the payment to the extended term purchase with smallest amount of accumulated deferred interest charges hoping that I will fail to get the larger balance paid in full before expiration.
Product: Debt collection

I was subscribed to the XXXX XXXX, a newspaper in XXXX California. I canceled my subscription. The XXXX XXXX did not cancel my subscription. They then transferred or sold a debt that is not owed to ARM Solutions, a debt collector. ARM Solution continues to call me and I have informed them that I canceled my subscription. 

I don't see how it is right for a company to charge for a service that I did not agree to and refused, then sell a made-up debt to a company that is now calling me for the debt that I do not owe. I like to support local newspapers, but this practice is abhorrent. I am afraid ARM Solutions will try to ding my credit score based on this bogus debt.
Product: Credit card

They want me to pay XXXX every two week i don't have a job to pay it u could only pay XXXX a monrh
Product: Mortgage

XXXX. The mortgage was taken out in my name in the autumn of XXXX ; my wife could not be a co-mortgagor because she was not resident in the XXXX at the time of purchase. 
XXXX. Mortgage was paid on time until the XXXX pandemic when my wife and I were compelled to go into forbearance, which was offered by the original mortgage company, XXXX XXXX XXXX. 
XXXX. XXXX later assigned the mortgage to Midland Mortgage. 
XXXX. Forbearance continued XXXX. About XX/XX/XXXX, Midland offered me a loan modification, which we accepted. 
XXXX. I signed and notarized the documents the same day I received them, and returned them to Midland via courier. 
XXXX. Unbeknownst to me, Midland gave only 1 day turnaround time -- meaning I received it today, notarized it today, and had to ensure that it arrived at their offices the following day. 
XXXX. I have no idea whether this is best practice or even what regulations determine the setting of such tight timelines XXXX. The notarized application was rejected because it came a day late. 
XXXX. I chatted with a Midland representative afterward by phone to restart the process. I mentioned the unconscionable turnaround time and asked for notice by email of updated documents being sent to me. 
XXXX. Midland emailed me updated loan modification paperwork online, which I printed out, notarized and sent by XXXX the same day at a XXXX XXXX XXXX. Midland rejected this one also because of page numbering 13. Midland then sent me another loan modification application, which I again notarized and sent for next-day delivery XXXX. " Next day '' according to the date provided by Midland was a Sunday. This indicated to me that return-by dates were set arbitrarily.

15. I nonetheless paid the cost required for the documents to be delivered the next day, although the package would not be delivered until the following Monday. 
XXXX. During this period ( forbearance and the modification runarounds ) I was XXXX  ( XXXX XXXX ; XX/XX/XXXX to present ) due to being laid off twice XXXX. We were meeting the mortgage on my savings and my wife 's income ; but in XX/XX/XXXX, my savings were exhausted. 
XXXX. The accumulated forbearance plus interest has now grown to over {$70000.00} XXXX. We received a letter from a law firm Midland retained informing us of their intention to foreclose.

20. I have submitted another modification request and will follow up with an extension of time request.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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, credit repair services, or other personal consumer reports

The credit bureau is incorrectly reporting personal information and unverified and inaccurate accounts and have failed to provide proof of updated information nor delete the inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet you could not substantiate its representaiton.. You have provided information while knowing or having reasonable cause to believe that the information provided was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 01 XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 11 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 09 XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX XXXX ),
Product: Mortgage

I started the refi process with Bank of America in XXXX and still have yet to close a loan. After months of them dragging their feet to get things closed, they still have not completed this for me. It sometimes takes over a week for me to hear back from the loan officer. Since this has gone on for so long, my rate lock has expired and my patience has worn out. Since I have already paid them a appraisal fee, I 'm stuck with them unless I want to lose out on {$600.00}. This is refi is through Bank of America. It is actually a loan that they sold in XXXX and I am just trying to give them back the business. I had the loan with them since 2008.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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, credit repair services, or other personal consumer reports

I Called XXXX XXXX today X/XX/2017 in regards to an account balance showing my my credit reports, there was no account listed in their system for me. The reporting address for the alleged debt is XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is unknown to me, the collector did not verify. Send documentation of proof
Product: Credit reporting or other personal consumer reports

XXXX has re-aged 2 old accounts and is reporting 2 obsolete delinquent tradelines on my TransUnion credit report. I have not made a payment on either of these accounts since XX/XX/XXXX. Both debts were forgiven and paid in full by the federal government on XX/XX/XXXX. Under the Fair Credit Reporting Act, debts can only be reported on a credit report for seven years after the date of the first delinquency. The federal government forgave and paid these debts without my prior knowledge, request, or any such submitted application. I unexpectedly received a letter informing me of this on XX/XX/XXXX. The final payment made on XX/XX/XXXX for {$290000.00} was not by me. It is a violation of federal law under the FCRA 623 ( a ) ( 5 ) ( A ) for Nelnet to re-age these accounts and for TransUnion to continue reporting them. Re-aging is when a creditor changes the date of the last payment on a debt to a more recent date than is accurate. I did not request, initiate, or cause the last activity of the final payoff. I requested a copy of my original federal student loan consolidation contract on XX/XX/XXXX and only received the attached automated response and no follow-up in over 4 months.
Product: Debt collection

I have filed several complaints and have told them multiple times to stop calling me. They refuse to do so. My payments have never been 30 days past due. I have never missed a payment and today I am only 9 days behind and they are calling again. I have told them over and over to stop calling me. They are calling my cell and during my work hours. They know this but do not care. When they are not calling about payment they are trying to solicit! The name of this company is National Finance Company located in XXXX NC at XXXX XXXX XXXX XXXX XXXX XXXX zip code XXXX. Their phone number is XXXX. My name is XXXX XXXX and my account number with them is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw on my credit report that Quicken Loans had made a hard inquiry on my credit on XX/XX/XXXX. I called to contest this because my husband had just passed away on XX/XX/XXXX and there is NO way I was inquiring about a loan at that time. The resolution advocate told me the name of the agent and said that all of my personal info was given to her on that date and I supposedly gave approval to pull my credit. Again I explained my current situation and strongly denied her account of this matter. I also admitted that I DID speak with this agent, and I did give her all my personal info and consent to pull my credit BUT not in XXXX of XXXX, but in XXXX or XXXX of XXXX. I have followed up with several emails ( I have all of them ) on the last one I requested proof with either my signature or voice recorded approval of mine. Her response to me was " We don't have to provide any proof to you, this is proprietary info to Quicken Loans, If you feel this was fraudulent, you can file a police report! Don't I have any rights? Isn't my credit info proprietary to me?
Product: Credit card

In XXXX 2016 I received a letter from American Express ( Amex ) indicating that beginning XXXX XXXX, 2016 the APR % rate would rise to 14.49 % for purchases going forward. I called the XXXX number listed on the letter to ask whether the increase would be to the Fed Gov't raising the interest rates and I was advised yes and I also asked if I would be able to negotiate the APR % at that time and I was further advised yes. I thought no more of it until XX/XX/XXXX when I received my statement to indicate the increase in the APR % rate and again I called the XXXX number and spoke to XXXX women in XXXX who were XXXX very rude and was advised I should seek " credit counseling and I would not be able to negotiate the APR % rate at that time ''. I then wrote to Senator XXXX in XXXX indicating my story and my phone calls and asking for his help. I did in turn copy Amex as well as XXXX XXXX of the Fed Reserve in XXXX, XXXX Just today I had another conversation with XXXX a supervisor in the XXXX I.D . # XXXX indicating that he would not negotiate with me at this time. I then asked if in the future I would be able to negotiate the interest rate and he further advised " no ''. Disgusted yes, most definitely because earlier in the day I spoke to an XXXX again in XXXX ( I did not get an ID # ) and he indicated he would give me XX/XX/XXXX APR % of {$54.00} as a credit. XXXX indicated that there WERE NO NOTES ON THIS CONVERSATION I HAD WITH XXXX THIS AM.!!!!!!!
Product: Debt collection

I owed debt to XXXX XXXX in late XXXX. When the pandemic hit in early XXXX XXXX I lost my job and had to stop paying all my credit card accounts. I have been able to work with all of them but this specific account was sold to Midland Funding who NEVER sent me a letter and have continued to call my old job which has THANKFULLY reopened and rehired me even though I have told them to STOP calling me work and they hang up. They show up to my home with their phone cameras filming me asking what my name is and I say who are you from and they tell me they can not say who they are. And today for a 3rd time someone showed up at my home and threw documents at my front door took photos and left the documents at my front door? I have this all on on security camera. This is complete fraud and they are trying to scare me and bully me. I need some sort of protection from this please. The documents they left claim that they have sued me XXXX XXXX XXXX on XX/XX/XXXX? I was NEVER notified of this, when I look it up on the court website theres no records of this? This is fraud and the people who are coming to my home are starting to scare me and my family. Please help me. The documents I have attached were thrown at my front door today XX/XX/XXXX by a large man with his phone out filming everything. This is NOT OK.
Product: Vehicle loan or lease

I contacted Chase auto finance to inquire about a deferment to offsite unexpected moving expenses. I was read disclosures about the deferment being approved, including the new loan terms. I was advised my gap policy would expire on the original loan expiration date. I was told to cancel my autopay so I didn't pay during the agreed upon deferment. Then I was transferred to someone else who told me they apologized for the misinformation I was provided but I didn't qualify for a deferment. At which point I asked to speak with a manager. The managwr assured me they would do two things. 1. Send the coaching opp to the manager of the first agent I spoke with. 2. Have the call reviewed for reconsideration for the deferment by the second agent I spoke with and that I'd receive a call back within 48 hours. 2 days later and still no call. So I call back and speak with a different manager who says I have no follow up scheduled and that the issue was resolved the first call. After going back and forth with him for a while he said he's open a case and have the first manager I spoke to call me within the day. It's now been 3 business days and I've not heard from anyone.
Product: Credit card

The credit card issuer is Citi bank. I have never used the card at all, not even once. All of the transactions were fraudulent. On XX/XX/XXXX I asked to dispute all transactions and to close the card and be sent a replacement. The new card was also compromised with fraudulent transactions. On XX/XX/XXXX, due to the fraud risk, I asked to dispute a new {$15.00} transaction and to permanently close the account as I do not want it any more due to fraud risk. I spoke with an agent named XXXX who agreed to permanently close the account. Today, XX/XX/XXXX, I called again to confirm the {$15.00} transaction had been removed as fraud and spoke with XXXX who was the supervisor. Not only did XXXX not dispute the transaction as fraud, but he also never permanently closed the account. Instead, he only sent me another card which I do not want.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX has removed this from my credit report however, Equifax and XXXX have not. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX  : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Online Information is a collection agency is reporting on my XXXX credit file incorrect illegal information because they are not a lender. The law states at no times does a collection agency become a lender so this type of reporting is illegal. They do n't have the rights to report account type-open nor pay status-in collection nor loan type-collection agency/attorney because this is not a loan.
Product: Mortgage

I had a HELOC with Popular Bank. The bank sent me a letter explaining that I could no longer draw from the account and the balance must be paid within a given time period. I paid off the account, leaving a balance of {$0.00}. I did this years before the determined end date. Popular Bank recently started sending account maintenance bills. I called the bank and explained that the account is paid in full and no additional monies could be borrowed. Therefore, Popular Bank was providing NO SERVICE to me. I asked that the account be closed. The account should have automatically closed under the conditions that the balance was paid in full AND no additional transactions could take place. Earlier this week I got notice from XXXX  that my credit has taken a near 100 point hit due to delinquency! I owe Popular Bank NOTHING. I paid them in full more than a year ago. Their practice is predatory. My near perfect credit rating in now ruined. My desire is that you will investigate the matter and fine the bank accordingly.
Product: Debt collection

On XX/XX/year> XXXX XXXX XXXX closed my account with them and charged off a prior loan of {$7400.00} as " bad debt ''. This was then reflected on my credit report showing a {$0.00} balance and closed account. On or about XX/XX/year> Jefferson Capital System purchased this information from this closed account and reported it as an ongoing debt for myself. I have no written contract with Jefferson Capital System, I have never received any written or telephonic communication from them, and this showed as a debt for me as of XX/XX/XXXX, XXXX pulling my credit score down a day before I was set to apply for a new mortgage loan. The actions of Jefferson Capital System negatively affected my credit score to the point that I am now out of range to qualify for a mortgage loan. I also question the validity of the collection agency as it may be a front or a scam agency.
Product: Credit reporting or other personal consumer reports

I report to Experian credit bureau the misinformation of this account : XXXX XXXX XXXX Which some how now it showing a number account number XXXX XXXX I reported this account about 8 month ago they did not fix the problem. 

The account was showing the same account number XXXX with a balance, and the other with XXXX balance. I would like for CFPB to investigate why they change the account number when it used to be the same account number. after I dispute the account that I owed XXXX money the number was changed. Please I would like for this account to be removed off. My credit report is affecting the ability for me to obtain credit. I think by changing the account number after I disputer have violated my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX i sent letters regarding inaccurate and unknown information on my credit report. To this day 5 months later i have not received a response nor proof of contract or application regarding accounts. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and has been over 5 months. i demand these accounts be deleted immediately or i will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.