23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed Chapter XXXX bankruptcy in XX/XX/XXXX, during my whole Bankruptcy procedure, I was locked out of my account by XXXX XXXX and they would not communicate with me on the phone at all. My Chapter XXXX was complete on XX/XX/XXXX and I never missed a hose payment the whole time. 

In XX/XX/XXXX, I lost my job and cashed in my 401k. I have been working minimum wage jobs and using my 401k to pay my Bills. XX/XX/XXXX was the first time I had fallen behind. I knew my 401k money was running out several months before that, so I requested a loan modification from XXXX. I have gone through the ringer, refaxing them things over and over again ( 3 times ).

I got a letter about two weeks ago, saying they had gotten a complete file and were reviewing my modification. I sent in my XX/XX/XXXX payment and it did not clear the bank, it was from my friend and she was rushed into XXXX and was unable to make her deposit. They were notified befor the check ever came back to them. 

XX/XX/XXXX I called to find out how to get the check back and to tell them I had gotten a new, better, job and my situation would not be long term now. I spent 42 minutes on the phone with a customer service agent who took a payment arrangement of {$200.00} by XX/XX/XXXX. 

Today, XX/XX/XXXX, XX/XX/XXXXXXXX FROM XXXX CALLED to say I had three choices, he began to rattle them off to an authorized person on my account, who told him she was on bed rest. She told him she wasn't getting out of bed to go get a piece of paper. She later called back and asked for them to email what they were talking about and the refused. They don't seem to want to EVER provide anything in writing. 

My representative has spent 3 months, solid dealing with them and has gotten no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX AV XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00}.
Product: Debt collection

Account not mine. Incorrect amounts being reported. I was given XXXX different amounts.
Product: Debt collection

I want to file a complaint against, DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX, FL XXXX, Re : Acct # XXXX. The claim I owe {$1900.00}. 
On XX/XX/XXXX and XX/XX/XXXX I wrote and sent certified letters to DIVERSIFIED CONSULTANT regarding Acct # XXXX. ( See Attached letters ). After finding out about this negative accounts on my XXXX  XXXX account I submitted the validation letters. 
They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my credit and I need help taking care of this matter.
Product: Debt or credit management

According to my agreement, I built up a balance of payments ( {$430.00} a month ) in XX/XX/XXXX. They settled a debt with XXXX XXXX at 50 % ( {$9400.00} original balance settled for {$4700.00} ), paid the company {$200.00}, and took out the remaining balance of the account to cover their 25 % fee. It would then be another approximately 4 months before enough would be accumulated to settle another account. 

The goal of this company is profit NOT settling or actually helping their customer or providing value. The fee amount and timing is set out in the contract, but we are only given a few minutes to sign over the phone. I read the agreement after the call, but I never believed or even thought they would pull it out BEFORE settling other debts. I find this approach deceptive at best. They are taking advantage of desperate customers. 

In addition, in numerous phone calls they kept telling me they had contacted several companies. I have now called those companies, and NONE reported receiving communications from XXXX. I was sent a consent form to sign so that they can speak to XXXX XXXX on XX/XX/XXXX, FOUR months after my agreement was signed. 

Finally, I requested on those phone calls ( 5 times total ) information be sent to me on where to lodge complaints. I never received anything in writing. Verbally, the only place they referred me was the XXXX  XXXX XXXX. they maintain a top rating with the XXXX, and refer to it extensively in their sales pitch. in the final call the person mocked me for not using XXXX to find the contact information for the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has put this debt on my credit multiple times. I found the last complaint with the CFPB involving trans union that resulted in the removal. Complaint ending in XXXX. At that time XXXX XXXX did not supply Trans union with documentation confirming the debt and it was removed due to the debt being erroneously put on my report. You can find this compliant that was submitted to the CFPB on XX/XX/2018. XXXX XXXX has a history of putting incorrect information on peoples credit reports which can be found at this link https : XXXX 


At this point, Nothing further should be needed from me. This debt has been proven countless times to not be mine. Again, when a debt is found to be erroneous, it is illegal to re report that same debt to the credit bureaus. I received a letter from trans union that they did not see the account reported any longer. XXXX XXXX, if you have re reported again, please comply with the law and remove effective immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I emailed their office requesting documentation and details regarding this account for Central Portfolio Control. To date, I have received no correspondence from themwhether by email, phone, or mailregarding this matter. This failure to respond violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide validation of a debt upon request ( 15 U.S.C. 1692g ). 

Additionally, this account has been removed from my XXXX credit report, subsequently added back without any explanation, and then removed again. However, it continues to be inaccurately reflected on my XXXX credit report. This inconsistency is concerning and raises further questions about the legitimacy of this account and your reporting practices. 

Your failure to provide timely responses, validate the debt, and ensure accurate credit reporting may also violate the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report accurate information to credit reporting agencies ( 15 U.S.C. 1681s-2 ). The inconsistent handling of this account across credit bureaus is unacceptable and must be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a payday loan the company then called me on my cell number provided on the application and then they stated speaking to the company that ended up being XXXX XXXX  I would be able to receive this loan I had applied for I was then informed of a plan of some sort claiming that they would dispute my credit report items and they advised me of one single plan and not the option of a lower paying plan that I found out well after they took money from my account I was also told they would dispute items on my credit report I as of well over several several months after discontinuing not received any documents from XXXX XXXX  stating what was disputed and for what reason it was disputed for I also am now having issues with one of the companies claiming that they can not dispute because they claim that they never received any response from XXXX XXXX or myself regarding said dispute that was reached out I was very unaware and uninformed of what if anything was even disputed as claimed XXXX XXXX  leads very misleading information and I should of received proper documents stating from them what company and details about each report issue on my credit that was disputed because I was very much paying for something that was misleading and if by chance the credit issue with first XXXX XXXX is what was disputed by XXXX XXXX on my behalf should of detailed In the dispute documents and such that was sent on my behalf which obviously not done correctly or may have never been done because I have not received any proper documentation from nor did I ever received via email or regular mail reasons for or what at that time was being disputed I feel I was very misinformed and very mislead for services I was paying for that was never properly done as it should of been if I was paying for something I was coerced into by a payday loan company as well misinforming me by saying I would get this loan approved thru XXXX XXXX  so I was very much mislead by ways of claiming I would recieve this payday loan after speaking to XXXX XXXX which never happened the only thing that maybe the truth was they were going to charge me, little did I know that I was going to pay for services I never properly or accurately had described to me I do honestly feel I was very much tricked into what they offer by the payday loan I also feel that they do this more than it is recognized or that it is reported, this is in response to a XXXX  XXXX XXXX issue that they claim was disputed but have never received a response from the disputer as to why and I was not the one to reach out to dispute so the only company that could of would of been XXXX XXXX XXXX but it was evidently not done the way it should of been if they have no knowledge as to why they were having a dispute put against them ... ..
Product: Checking or savings account

We were unaware of the monthly fees that were being charged by Citibank to our checking account given the account has a XXXX balance and has not been utilized for awhile. Each time a monthly fee was incurred, Citibank simply debited the overdraft account that was linked to the checking account. This practice was never disclosed to us which resulted in months of monthly fees ( totaled to over {$280.00} ) being charged by Citibank to our account. We are not a multi-billion dollar corporation who can afford to pay for the hefty fee for a checking account that was not utilized. We had to spend hours at the branch and calling the bank 's customer service number to try to resolve this issue. Every time, we were told that there is a limit of the amount of fees that they could credit back to our account. While all the representatives were very sympathetic to our situation and understood that this practice was unfair and that Citibank is enriching themselves based on a customer 's honest oversight, they were not empowered to resolve this issue. Further, the only way we could stop this monthly fee from being charged again was to pay the outstanding fees so we could have the account closed. However, the catch here was that if we opted to close the account, we were told we lost our right to ask for refund back on the unjust fees that Citibank charged. This can not be right! Closing the account to stop the fees from incurring equates to us losing our right to escalate this issue further for resolution?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. Bankruptcy Chapter XXXX-dismissed Equifax : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to bad service in XXXX I closed all my Bank accounts with XXXX XXXX XXXX. I had 2 credit cards with them which they immediately reduced my available credit damaging my credit score from XXXX and reducing it to XXXX. 
I received two late payment reports for two separate XXXX XXXX XXXX credit cards in XX/XX/2020 : A personal XXXX XXXX  credit card and a business credit card. I wrote a letter to dispute these late payment reports in their entirety and to have them removed from my credit reports. During the periods of XX/XX/2020 XXXX I went through financial hardship due to Covid-19 and its restrictions. I was told by a XXXX  employee my credit card accounts can be signed into their credit card relief & Forbearance program ( Appendix B ) and that I can receive covered accommodation which I accepted. During this period all credit accounts were paid and current as outlined in 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( iii ). I was told that under XXXX accommodation program I could delay up to three payments on my personal or business credit cards since I had been affected by COVID-19. I was told during the relief period I would get : Statements showing no minimum payment due Refunded Late Fees No negative reports to credit agencies regarding late payments Still there was a mistake and were late payments were reported for both credit cards which is against XXXX  accommodation program and Terms and Conditions for credit cards in their accommodation program. XXXX Credit Card Terms & Conditions for Covid accommodations. I am reporting XXXX XXXX had a clerical or computer glitch/error in their system and that my accommodation was somehow not registered. I brought this error up to XXXX XXXX and was told to correct the issue with the credit reporting agencies as, according to their employee, they do not have a process in place to correct this errors once reported regarding Covid-19. Because of this I am requesting that all late payments reported by XXXX XXXX  in the month of XXXX be removed from my credit report and further request that any damage to credit which occurred by XXXX XXXX  decreasing my available credit be correctly reflected/noted, in written statement - to be an error and a mistake by XXXX XXXX  I paid off all my Chase credit cards but due to their reducing my available credit limit and retaliatory tactics to my choosing another bank as is a consumers right I was unable to qualify for another credit card despite having XXXX debt. I applied for credit cards and was denied further damaging my credit score. It fell from XXXX to XXXX because of this which I believe is all a single issue. XXXX damaged my credit and reputation due to my leaving their bank and credit agencies have been less than helpful in communication with me to correct this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never, will never and do not have any business with Tower Loan. They have continually inquired on my credit report. They have no right to my social security number and no right to my credit report. They have never had my permission to access any of my personal information nor my report. I want each and every inquiry from Town Loan removed from my credit report and I want them forever banned from even thinking about reporting to my credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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

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

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

his is a XXXX Problem! Passing off the problem to the new servicing agent does not fix the XXXX incorrect reporting. The issue is during when XXXX was servicing the Loan. See attached file. You are in violation of the law! As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, you are not allowed to propagate misleading information. Currently XXXX is knowingly making false and misleading statements about my student loan debt. As per the COVID-19 Emergency Relief and Student Loan guidance from the Department of Education ; all Department of Education owned loans are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. 116-136 ) and invocation of the Higher Education Relief Opportunities for Students Act of XXXX ( HEROES Act ). Based on these acts the Department of Education put for the following policies : Accrual of interest on XXXXeld student loans and certain nonXXXX-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. XXXXheld loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for Public Service Loan Forgiveness ( PSLF ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the nine voluntary payments required for individuals to rehabilitate their defaulted loans. Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended oXXXX XXXXheld student loans for XX/XX/XXXX, through XX/XX/XXXX. Multiple rules related to the 120 monthly payments required to qualify for PSLF were waived. A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the IDR plan maximum repayment period for any months in which they were in repayment status and for specified periods of deferment or forbearance. My XXXXXXXX  student loans were owned by the Department of Education ( proven by the Department of Education XXXX approval ). As per court order ( CFPB vs XXXX XXXX ) XXXX has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. XXXX is no longer responding to my verification requests. XXXX is still responsible for removing incorrect and inaccurate reporting information on my credit report, in accordance with federal law and the FDCPA. As per CARES Act and HEROS Act any and all XXXX late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. Any and All late payment information from that time period needs to be removed immediately.
Product: Credit card or prepaid card

I enrolled in the Citi Priority Checking Account promotion that stated " open an new regular Checking account in the Citi Priority Account package by XX/XX/2019 and meet the following requirements : Within 60 days after account opening, complete one or more qualifying bill payments for two consecutive calendar months and spend {$750.00} required minimum amount on purchases using your Citibank debit card in order to receive XXXX XXXX XXXX miles. '' After I met the requirements, I called Citibank and confirmed with the phone representatives that I satisfied the requirements, and they affirmed that I did and would have to wait 60 days to get my account opening bonus. I met the requirements within the time allotted and have waited for the required time to pass and have not received my XXXX XXXX XXXX miles. It has been months now and I have called on multiple occasions and filed inquires to have this resolved, but to no avail. I am now being told that my {$750.00} debit card transaction does not qualify because Citi is not showing my pin being used. This was not outlined in the terms listed above. I have met the terms of the promotion from my side and would appreciate the miles to be deposited in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent a letter from the XXXX XXXX of  Bankruptcy stating they never share information to any credit bureaus. When filing any bankruptcies through their court system. Unfortunately, the credit bureaus have this information.
Product: Credit card

I will pay Discover and they take the money, then 3 days later they'll say there was insufficient funds and the bill doesn't get paid but the money is still deducted from my account. This issue has hurt my credit because of their systems mistakes. I have called to figure out why this money isn't going through. My app says the money is being processed, but then 3 days later they say it did not go through and they'll send my money back, but that doesn't happen. Discover won't let me dispute this issue because they claim I don't have money in my account but that is not true. P.s i dont have proof of when i paid them for these screenshots, because that XXXX XXXXXXXX account is closed because of that same issue, they closed it because when XXXX XXXXXXXX also didnt want to take my payments i used profanity on the phone. I just felt helpless they stated that was on their policy and now the account is closed.
Product: Debt or credit management

The company was offering path to debt relief opportunity with low payment amount that is less than what i owe. Initial was advertising a low loan payment plan but they ended up providing solution with escrow account and for me to stop paying the cards and stop my auto payments and agree to damage of the credit score since it is low i should not worry and pay 4 years and 7 months on payments that apparently they will renegotiate on my behalf. I was asked to close the account on Friday since my payment is on the XXXX of XXXX and he will send the contract on Friday after XXXX XXXX sounded very suspicious.