23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I 've made multiple attempts to contact First Merit Bank to close out two CD 's that were opened by my late mother on which I 'm the named beneficiary. I 've spoken to XXXX and XXXX who have both asked for various identifying information and have made assurances that the CDs will be closed and a cashiers check will be forwarded to me. Yet every time I call to follow up with them concerning when I can expect the check to be sent they have an excuse about something they need before they can proceed. It 's been over a month since I initially contacted them and now they are informing me that they ca n't close out the accounts until the they have " court documents. '' Unfortunately they ca n't tell me what they actually need besides " court documents '' which is not helpful. I 've closed out similar accounts with other banks in the area without any issue and it 's unclear why First Merit it 's having issues. My biggest complaint is that XXXX has n't made a single attempt to contact me to resolve the issue and is typically " out to lunch '' whenever I call regardless of the time of day I call.
Product: Mortgage

SPS is trying to foreclose on our home after I was laid off due to covid and we got behind on our payments and applied and received a loan modification. We are able to make our payments at the regular amount but they are insisting that we owe over 10 thousand in late and other fees. 
temization of Amount Required to Cure Cure Date : XX/XX/2022 AMOUNT REQUIRED AS OF XX/XX/2022 TO CURE THE DEFAULT {$10000.00} Payment due for XX/XX/2022 {$4500.00} Total amount due includes Escrow Payments ( Taxes/Insurance ) of {$730.00} Accrued Late Charges {$5700.00} Advances made on Customers behalf {$15.00} Escrow advance balance ( Deficit ) {$0.00} Total Amount Outstanding {$10000.00} Unapplied balance {$0.00} Dear Customer ( XXXX ) : The mortgage loan on your property is in default as a result of your failure to make payments as required by the Note and Deed of Trust or Mortgage ( Security Instrument ). We have previously sent you letters and communications regarding this default in an attempt to resolve this matter. This letter provides information about the default and what rights you have to cure the default. Select Portfolio Servicing , Inc. ( SPS ) services your mortgage loan and has been instructed on behalf of the holder of the promissory note to pursue remedies under the Security Instrument unless you take action to cure the default before the Cure Date shown below. The Noteholder on your Loan is XXXX XXXX XXXX XXXX, as Trustee for the XXXX Mortgage Loan Trust XXXX, XXXX Mortgage XXXX Certificates, XXXX XXXX ( c/o SPS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ). 
This letter provides notice of the following : The Default You have failed to make payments under the Note and Security Instrument as shown below. This letter is a formal demand for payment. 
Action Required to Cure the Default To cure this default, you must pay the Amount Required to Cure together with paym
Product: Credit card

I have knowledge of this account. I don't even know what it is. i gave no one consent to use my name for anything. this is a result of id theft
Product: Student loan

The issue I have with my student loan processor, Navient, is that they black listed my bank account and I am unable to enroll in auto-pay or make payments from my new checking account. I have repeatedly called Navient customer service to resolve this issue with the sole result of being completely ignored and without any followup. I have gone so far as to have my bank fax a form confirming the routing number, account number, my name and my Navient account number to Navient with no successful resolution. 

Here 's the details : In early XX/XX/XXXX, between XX/XX/XXXX and XX/XX/XXXX, I moved my personal checking account to a new bank ( XXXX XXXX XXXX ). Shortly thereafter logged into Navient to set up Auto-pay with the new bank account info. 

The following month I received an email from Navient stating may payment was passed due. I called customer service, and was able to make a payment over the phone from my XXXX account to bring the account current, and then try to set up auto-pay again. So after that call I went in to add my XXXX account again for auto-pay. 

A month later I received another payment past-due notice. Again I called customer service to try and resolve this issue. This time the company representative tried set up the auto-pay on her end and was unable to. She received an error stating that " the company received a returned transaction '' from my that combination of routing number and account number, and it was not accepting it anymore. However, The CSR was able to verify that there was an existing transaction on record ( from my previous month 's payment ) from that same bank account. She said she was going to put in a request to investigate the issue and have the company follow up. I never got a response from them or a follow up call. 

At this point the past due statements notices start coming in. I have made 4 additional call in the following 3 months trying to get this resolved. Each time the representative said I had to provide a statement from the bank to validate my bank account, even though they had a valid transaction in their system. 2 weeks ago I asked to speak with a supervisor, who told me she was going to follow up with me within 2 days. Never heard back from her. 

On XX/XX/XXXX, I took off early from work to go my bank and had them fax a form that showed my full name, Routing number, Account number and Navient account number ( for reference ). On XX/XX/XXXX ( today ) I called Navient to follow up on the fax, hoping this would finally resolve the issue. I was told by the CSR ( XXXX ) that although they received the fax, it wasn't a proper letter stating that my account was valid. They would accept a form. When I asked to speak to a manager or superviser, I was left to stay on hold for 30 minutes and then told one was not currently available and the best they could do was have someone call me back later.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I received my consumer report from Equifax and I noticed they are reporting inaccurate personal information on my consumer credit report still. On XX/XX/2024 I disputed addresses on my report through MyEquifax portal that Equifax recorded. They have since removed them but then placed one inaccurate address back on my report that is not my current address. I provided Equifax with my current address that I have been living at for the last few years by proof of photo Identification as well as my current bank statement.
Product: Mortgage

My loan is through XXXX XXXX and is being subserviced by XXXX. They are collecting money to pay the taxes in escrow but they have not paid the taxes this year. Also I have had to make several calls to them over the past 3 years for the same issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to correct this in accurate reporting and this company has failed to do so which is a violation of my consumer rights. I am entitled to an accurate report according .I have attempted several times to correct this in accurate reporting and this company has failed to do so which is a violation of my consumer rights. I am entitled to an accurate report according to the FCRA everything must be 100 % accurate 100 % verifiable and 100 % complete. Pursuant to 15 USC 1681i ( 7 ) I have requested the description of procedure and have not been provided this information
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have submitted an investigation/dispute with the credit reporting agencies regarding an alleged " debt '' claimed by XXXX in the amount of {$200.00} All times the agencies have come back with a letter claiming the debt has been proven " valid ''. I've asked on what information is the validity of this debt substantiated yet have not received any documentation to this end. All XXXX has submitted are invoices, but as an attachment I'm including to this complaint serves, the agency tasked with collecting this debt has ceased collection activity due in part to the fact that they can not produce any documentation of a contractual agreement with a start date between XXXX and myself, nor can they produce the documentation of when the services were ended. Of course they won't be able to because it would obliterate their claims of the amount owed. 
An invoice on it's own does validate debt, because frankly I could generate an invoice and send to XXXX billing them as well as Experian, XXXX  and XXXX for the amount of time I've wasted fighting and disputing this alleged debt and when they don't pay claim it's valid. But without a contractual agreement for the time/services rendered, the invoice on it's own validates NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on Transunion 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the public record reporting on my Credit Report : ( XXXX  XXXX Bankruptcy # XXXX XXXX )
Product: Credit card

My credit utilization had increased to 60 % because my son had XXXX and when he couldnt work, I was helping him and his family stay afloat. He unfortunately passed from XXXX. In the interim, I have been paying my cards down as much as possible to the point of bringing my utilization to the low 40 %. I have never been late on any payment and have never missed any payments. 
With that said, on XX/XX/XXXX I made a payment to Citi for {$4100.00}. On XX/XX/XXXX, I received an email that my credit limit was being decreased from {$4800.00} to {$500.00}. The reason I made that payment in a lump sump was to make sure it reflected on my credit so I can increase my credit score. By lowering the credit limit, it makes the utilization even worse now which will impact my credit score and utilization. 
This also happened to my other Citi card as well as my XXXX and others as well. 
Whats sad, is that the system is set up to keep consumers with the lowest possible credit score. The system is set up for consumers to fail. 
That is not fair considering that I always make my payments timely and have never missed any payments.
Product: Credit card or prepaid card

On XX/XX/XXXX, we went to use Capital Ones reward redemption platform to use our points to pay for flights to XXXX for later this year. We found flights through XXXX that matched our itinerary on the Capital One platform and that would be eligible to be paid for in rewards points, but it noted that the points would have to be transferred to a XXXX account for redemption. XXXX would not show if the flight would qualify for points until we had an account with them with points loaded in, so we created a XXXX account and that day transferred XXXX points that we planned on using for said flights. 

However, when we went to search for the same flight through XXXX website, it now showed that it was a flight that was ineligible for rewards points usage, contradicting the Capital One website. We called Capital One that day ( XX/XX/XXXX ) and asked them why this was the case, and if they were able to reverse the point transfer since their system incorrectly showed that the flight in question would be eligible for point usage. The customer service agent then apologized, said it was something that would have to be escalated because she was not authorized to deal with anything above XXXX points, and created a case number for us and said she would follow up with more information. 

As of this morning ( XX/XX/XXXX ) Capital One had not reached out at all about the case in question, not even with a confirmation email or phone call to let us know this was in progress. Since we had not heard from them in two weeks, we again called Capital One who denied that a case had been made for XXXX minutes and continued to say that the points were not eligible to be re-transferred or refunded due to their website outright lying about the eligibility of the flight. Then, after requesting to speak to a supervisor ( the second escalation in an hour ) we were then transferred us to a senior account manager who found the case that had been created ( # XXXX ) for reference ) and finally told us that their team was still working on the case and would call us before the end of the business day ( XXXX XXXX XXXX XXXX 

I am writing this at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and no call or email, or contact of any kind, from Capital One has arrived, so I am writing in hopes that the XXXX can help resolve this issue. We are simply looking to get the XXXX points reinstated to our Capital One account, but the stalling and deceptive practices of their customer service team, along with the initial issue of their airline flight system incorrectly showing the flight in question would be eligible for points, has deeply concerned us that we will lose those points forever, as we are trying to use them for a one-time flight for our wedding in XXXX. Please let us know if you can help.
Product: Debt collection

I have asked this company several times to show proof of the amount they claim I owe. All they keep sending is a Sales Order and a Consumer Lease Agreement. They will not provide an itemized statement showing payments made, etc. to show how they came to the outrageous amount they are claiming that I owe. This account should not have the {$2000.00} plus balance they are claiming that I owe. I have asked for proof of payments from them and the original creditor. Neither have provided the information and the collections remains on my credit report and is negatively impacting my attempt to purchase a home. I want this account removed from my credit reports and I want a detailed itemization of this account. This account should be paid or close to paid. I do not owe the amount they allege.
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 XX/XX/2022 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 XXXX ( 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

I had a XXXX XXXX XXXX credit card, back in 2009ish the account was closed and I was contacted by a collection company claiming that I owed XXXX bucks. I was asking for the information behind the balance and because it was such a little amount told me that they were just going to close it because it wasn't worth their time to get me all of the requested information behind the tiny amount owed. The account closed and was removed from my credit report. Then about 2 years ago the account showed back up on my credit report. I contacted XXXX XXXX XXXX to figure out what this was from, I have yet to get any information. I can't get the account removed. I can't get any information about the account. From what I can gather the account is already at the 7-year mark but the dates off delinquency keep changing so it just keeps on staying there.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX  Balance {$810.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$730.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Motoring my credit thr ough 3 different websites I have attempted to correct false information. When getting in touch with the credit agency they inform me that my name is linked to a closed account ( s ) and I must contact the banking department. My name has been reported and linked to 1 o r more accounts incorrectly. I am unable to resolve the problem myself and upon inquiring with the company ( DSNB Macys ) they proceed to tell me the account is so old it should fall off soon. But its reflecting badly on my credit report and I want it fixed! Also the card was paid off but reopened under my social but incorrect name. If its not my name why is it being reported as such? I also noticed that there was a incorrect address and social linked to my credit report which was fixed and removed but not the names.
Product: Student loan

I contacted Discover Student Loans after a loan was reset and shown as requiring a payment I already made. I spoke with supervisor XXXX in XXXX XXXX XXXX, UT who advised me I could make the remaining payment and they could place an administrative forbearance on the loan but they could only do this after I had made a payment. 

To have a system reflect a loan as unsatisfied and require XXXX payments in one month on this loan is a direct violation of my loan agreement and I have received no follow up on if me paying a monthly payment twice would move my due date for that loan forward a month, or how Discover intends to remedy their system error. 

Executive office team member, XXXX XXXX was also aware of this and offered the same remedy of placing an administrative forbearance once the remaining loans had been paid. Discover showed a minimum payment due twice for the same loan, at this point they are aware the loan was paid twice-yet the due date for that loan was not moved further back nor have they made an attempts to rectify this issue. 

Finally I was advised when the loan was reset all the information would move over to the new loan number. The new loan does not show any of the interest paid to date on the loan they reset or any of the prior loan history.
Product: Credit card

Made an airline purchase with my chase cc in XX/XX/XXXX. Purchase was approved and confirmed and several hours later ( overnight ) chase blocked payment to vendor thinking it was fraud and my flight was never ticketed. 

Flight prices went up the next morning and when I called chase to get the hold released, I was informed by an agent in the fraud department that I should call back after rebooking my flight and chase would reimburse me for the increased flight amount through getting rewards points. 

Ive tried calling numerous times since XX/XX/XXXX and have not been able to get resolution to this. As of XX/XX/XXXX, I have now been told that its not Chases policy to provide reimbursement for fraud transactions. This is NOT what the agent told me nor was this actual fraud. Chase did not validate or verify this was fraud before blocking my payment and gave me no opportunity to confirm my intent.
Product: Debt collection

Diversified Consultants, Inc. is repeatedly contacting me on my cell phone as well as my daughter 's cell phone to attempt to collect a debt from XXXX XXXX XXXX. They have contacted me XXXX times since XXXX XXXX, 2015, so far from XXXX different telephone numbers ; XXXX calls in the last week alone from the following phone numbers : XXXX ( XXXX times ), XXXX ( XXXX times ) and XXXX ( XXXX time ). They called me XXXX times in XXXX day from the first XXXX phone numbers. I have explained that I began making my payments and will continue to do so. They continue to call, one representative trying to persuade me to make a larger payment. I am XXXX, on a fixed income and can make small payments on this debt. I tried to get a resolution with XXXX XXXX XXXX ( over the phone and by email ) before it went to collections but I did not receive a response from them. These harassing phone calls are XXXX me, causing me to have XXXX XXXX in the past week. I would like them to stop calling me and simply bill me and I will continue to make the payments monthly.
Product: Mortgage

I have submitted proof of homeowner 's insurance on at least three different occasions, by phone, and online. After speaking with a XXXX specialist, by phone I was told that XXXX had my proof of insurance and that it simply needed to be 'loaded into the system. ' I continued to receive notices and again uploaded proof of homeowner 's insurance to their website. 

Today, I received a written notice that my HO6 ( Condo unit owner ) insurance has expired and they do not have evidence of my coverage. XXXX is threatening to purchase forecplaced insurance.
Product: Debt collection

I received a letter on XX/XX/year> that stated I was past due on an account that was discharged in bankruptcy 2 years ago ; I spent about 2 hours on the phone with TD Bank Retail Card Services trying to get the account resolved and they kept asking what I wanted to do? Make a payment, etc. For about {$1400.00} and want a monthly payment of {$82.00}. They stated they did not see the bankruptcy noted on the account ; then after 5 minutes they found it after I stated it was on my credit report. 

I was then blindly transferred again to another individual