23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform all three credit bureaus that a Florida Department of Revenue sent a letter to show this account was paid in full. The date it was closed. Your agency is reporting that this account was 120 days past due. However, this account was not 120 days past due. Please also be aware that any negative mark found on my credit reports ( Experian, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate correct payment history immediately. The request is to remove the erroneous information with a full deletion. 

1. Delete 120 days late payments ( this is not correct ) 2. Delete this is a government collection account 3. The date when closed is incorrect.

According, to the Fair Credit Reporting Agency any incorrect information on the credit report is Defamation and a Violation of the Fair Debt Collection Practices Act
Product: Credit reporting or other personal consumer reports

I applied for a place and due to this company i wasn't able tp get approved, I do not owe a debt, I moved from an apartment that had mold in the apartment, I requested for it to be treated several times, and they failed to treat it, I became sick and the maintenance failed to report the mold to the office manager, the used a bristle brush to scrape the mold and that was not proper treatment, also there were false promises made to me. I did not owe anything, in exchange of me not suing they offered to allow me to vacate free of charge no debt owed. I have not been able to apply for places, i have no place to go, Please!!!!!!
Product: Mortgage

We were solicited by Freedom Mortgage via Mr XXXX XXXX to complete a streamline refinance of our first mortgage at the end of XX/XX/XXXX. We are not sure what happened, but the initial application was not processed by Freedom. So we had to reapply back in XX/XX/XXXXof this year. We still have not closed on this loan. Freedom Mortgage apparently did not know how to complete a subordination agreement. Even back as far as XX/XX/XXXX when we contacted our second lien holder to find out exactly what they needed to complete a subordination packet and emailed the exact information to Mr XXXX XXXX ( one of many different loan processors we have been shuffled with ), they still did not even attempt to send a pack until around XX/XX/XXXX. We have detailed notes from the many phone calls and email messages regarding this subordination process. For example, on XX/XX/XXXX per XXXX XXXX ( one of the many different loan processors after Mr XXXX ) they were " putting the subordination packet together. '' On XX/XX/XXXX per XXXX XXXX they are now " cutting the check for the subordination fee. '' On XX/XX/XXXX, they withdrew our application for being incomplete - stating it was our fault that we had not provided the subordination agreement. We legally can not complete this step for them! We were then transferred to another loan processor, Mr XXXX XXXX, who then had to put our application back into open status. We now have a new loan processor, XXXX XXXX. On XX/XX/XXXX, we received a call from our second mortgage company saying that Freedom did not send a complete subordination packet. We just spoke with our second mortgage company, and finally as of this week XX/XX/XXXX, they have a full packet. This company also tried to sneak in a new requirement that was not part of our original loan - a flood zone requirement. We are not in a flood zone, and this is not a requirement for our current loan. They backed off of that. On XX/XX/XXXX we emailed XXXX XXXX, Mr XXXX XXXX and tried to email the president of the company, the relations manager of the company and another supervisor XXXX XXXX. Yet, nothing was done for a few more weeks. We are starting to wonder if they are unwilling to work on our loan because of a bias due to our last name and assumed race. We filed a better business bureau complaint which nothing happened with that either.
Product: Credit card or prepaid card

Today, XX/XX/XXXX of 2021. Bluebird which is by American express informed no one about their cards not being able to use nor can we reach anyone it says invalid number once you press 0 by calling the provided number ON the card .... My transactions were declined with available funds but was declined yet the money was still taken out!!!!!!!! This has to be illegal. Then finally aftet 5hours i finally got passed the 0 for customer service was on hold for an hour and 20min for her to hang up on me after 8min on the phone!!!!!!!!
Product: Payday loan, title loan, or personal loan

On XXXX/XXXX/XXXX I was told by a friend who received a call that a XXXX XXXX was trying to reach me in regards to a complaint. I contacted her XX/XX/XXXX and was told there was a balance of {$890.00} with a company I got a loan from. During the call XXXX mentioned a possible settlement of XXXX and said I could do 2 payments. I told her that was too much for me. I also had a recent payment arrangement for the same loan company that resulted in a payment being taken out of my account on the wrong day which resulted me removing the payments. This was back in XX/XX/XXXX since then my hours have been cut down and I am only paid semi monthly but was looking to pay this off in XX/XX/XXXX. This was unacceptable for her and XXXX also kept threatening the loan company taking me to court. I asked of a payment arrangement {$10.00} a month for now that I could mail in which she said they can not do and refused to give me an address to send the payments to. XXXX said with the balance and court fees it would amount to about {$1300.00} or more also. She kept saying they would take me to court and garnish me.Then when I asked for the address again she transferred me to a supervisor XXXX XXXX who also did n't give the mini miranda and refused what I had to offer as a payment. He also said the arrangement was only done over the phone with debit or bank information. I was never told what the company name was either so when I asked, he gave me another name other than what I had researched which was " XXXX XXXX XXXX ''. I asked if this was also XXXX XXXX he said yes. XXXX also said the over the phone payment was because the original loan was done online which it was not. I went into the store to get the loan. I told him I never received any mail about them having the debt. He begin arguing with me resulting in saying he will let the client know that I refuse to pay and hung on me. I tried several attempts to call back and was either hung up on or they just did n't answer. I am concerned if this is a scam or not as I know companies have ways to access our debt and seek money by phone. I am also concerned because although I am willing to resolve the issue now the company is not working with me on such last minute notice and threatening to take me to court and garnish me. The original loan balance as of XX/XX/XXXX is {$200.00} with XXXX XXXX XXXX.
Product: Checking or savings account

In XXXX of this year, PNC closed all XXXX of my accounts without my consent. I never received any correspondence notifying me of the actions taken on my account. 
The first time I contacted them on XX/XX/XXXX, I received conflicting information about my accounts. First, I was told that my online banking was turned off and then later I was told a hold had been placed on my account. Subsequently, I went to the branch location to attempt to resolve this matter and I was advised that my accounts were closed and that I should receive a check for all the funds within 30 days. 
In XXXX, I received correspondence notifying me that I had been granted full access to my accounts. After receiving this advisement, I went to the branch on XX/XX/XXXX to attempt to retrieve the funds because I had yet to receive the funds within the advised 30-day period but I was unsuccessful because of the hold that still remained on my account. 
I contacted PNC by phone again on the same day and I was advised the letter notifying that I had been granted access to my accounts was erroneously sent and the hold was still placed on my account with no close end-date. 
I have been told that a case had been created on XX/XX/XXXX to escalate my banking concerns and that I should hear from a manager within 1-2 business. No one made contact with me so I went to the bank branch on XX/XX/XXXX to alert them I would be filing a CFPB complaint if I had not received a check for the funds or the check number and tracking info by XX/XX/2022. They filed and scanned the letter I gave them to my online file. 
My case was then assigned to XXXX XXXX in the XXXX XXXX department. She attempted to contact once by phone and email on XX/XX/XXXX. I called her back 3 days in a row, left a voicemail, and she didnt return my call. 
Every time I called to attempt to get in touch with XXXX XXXX I was connected to a completely different department and on XX/XX/XXXX was told a different person named XXXX XXXX would have to get back in touch with me who had made no contact before. 
XXXX XXXX contacted me on XX/XX/XXXX and asked me what my issue was as he was unaware and said he would call me back with an update. I have received no call back from anyone within PNC Bank or the branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Once again, the minute I put my Student loan into Forbearance, XXXX reports me as XXXX days late and kills my credit. If you call and ask them, theyll tell you this is standard practice. However, the FCC clearly has a Fair Credit Reporting Act. The last late payment I see before my present forbearance was XXXX of 2017. Is that what they are reporting? Its just not right or ethical that they can do this as a standard practice just because someone is struggling and has to put their loan into forbearance. I would rather just pay them, but sometimes things happen in life.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Experian generated report number XXXX. XXXX XXXX allegedly updated and verified the account in question. However, after review, it has come to my attention that the payment history and account status are still inaccurately and incompletely reported. XXXX must correct these inaccuracies immediately, as their incoherent reinvestigation findings were willfully reported to Experian.
Product: Mortgage

I received your response from Freedom Mortgage that said the they did not recognize me as a customer. Really? They have held my current mortgage after they purchased it several years. Since that loan is current, where have the loan payments gone? Should I stop paying them since they don't recognize me as customer? The last thing I heard from Freedom Mortgage ( XX/XX/year> ) was they determined that the loan paperwork, that they produced, was a mess, so the loan is on hold until they can do an internal audit. So far ( XX/XX/year> ) they have not so communicated with us. Since you fined them {$3.00} XXXX dollars for improper paper work, this seems to be a continuing problem with them. What should I do? Refinance with another company? Seeing their rating and reading customer reviews about failure to pay property taxes they collected and failing to pass on home insurance payouts, I really don't really want to do business with them. But having already paid some of the closing cost I don't want to get stiffed out of money!!!
Product: Credit card

I am writing this complaint because I noticed upon review of all three of my consumer reports that the company SELF FINANCIAL INC. did not state that the account was disputed in the comment section of my consumer report. This account was in fact disputed 3 times consecutively. 2 being CFPB complaints XXXX, XXXX, and 3rd being through the state attorney general of Tennessee. This account was not flagged as disputed per 15 USC 1681s-2 ( 2 ) ( 3 ). SELF FINANCIAL INC is in violation of the Fair Credit Reporting Act 15 USC 1681s-2 ( 2 ) ( 3 ). This account is hereby disputed because SELF failed to report the disputed accuracy of the account to the consumer reporting agencies. I have circled the incomplete inaccuracy in my consumer report and provided it within this portal. It has been 30 days and you have not properly marked the information as " disputed ''. This account is hereby disputed. Id. at 1303 ; see also Blacks Law Dictionary ( 11th ed. 2019 ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). To ensure fair and accurate credit reporting, the Fair Credit Reporting Act requires consumer reporting agencies ( CRAs ) and entities that furnish information to CRAs ( furnishers ) often, but not always, creditorsto follow various requirements when they compile and disseminate personal information about individuals. One of those requirements is that furnishers must reasonably investigate consumers disputes regarding the completeness or accuracy of the information furnished. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX Cir. ) INTEREST OF AMICI CURIAE To ensure fair and accurate credit reporting, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., imposes various requirements that consumer reporting agencies and the companies that provide those agencies information about consumers, known as furnishers, must follow. As relevant here, under Section 1681s-2 ( b ) of the FCRA, when a consumer disputes the completeness or accuracy of information in her credit report with a consumer reporting agency and the agency forwards the dispute to the furnisher, the furnisher must conduct an investigation to determine whether the disputed information can be verified and cease reporting any information that can not be verified. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and the Federal Trade Commission filed an amicus brief arguing that the duty to investigate applies not only to factual disputes, but also disputes that can be labeled as legal in nature. The brief explains that, among other things, a contrary approach is not supported by the statute, risks exposing consumers to more inaccurate credit reporting, and undercuts the remedial purpose of the FCRA. It also explains that the statute does not authorize furnishers to forgo investigating any dispute simply because there may be colorable arguments on both sides.
Product: Credit reporting or other personal consumer reports

XXXX is reporting false information on my credit report and under Law 15 U.S. Code 1679c - My rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account was closed in a dispute on my credit it still says XXXX balance, account is closed and XXXX XXXX does not have permission any longer to get my credit info
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting on my credit report as a Auto Loan which is incorrect information I dont have a auto loan its a Credit Sale, do to this inaccuracy I need the auto loan removed from my credit report immediately. Also any late payments after the repossession they need to be removed immediately this vechile is now sold. 

After a vechile is repossessed it is sold at a auction for a fraction for what is owed to the original creditor, XXXX XXXX is no longer allowed to report late payments. 
Defaulting on payments beyond XXXX, XXXX, XXXX is inaccurate, XXXX XXXX is when the XXXX XXXX XXXX was repossessed. If this matter do not get removed after sending this complaint out I will have to take this matter further. 

Also XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX Consent to report my personal information. I will like to opt out of this charge-off, 15 U.S.C 6802-15 U.S.Code 6804. I ask that XXXX XXXX to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 I ( 5 ). 

Also XXXX XXXX Closed this Credit sale which they state on my credit report as an Auto Loan but it is now showing reopened it should still show closed, please remove this inaccurate information from my credit report immediately.
Product: Debt collection

Defaulted on a loan from XXXX. They allegedly turned it over to XXXX XXXX XXXX XXXX ( XXXX ) Phone Number : XXXX. Today I received a call from the XXXX County Clerk of Courts informing me that they were trying to serve me for fraud. The woman gave me another number to call " XXXX XXXX XXXX '' at XXXX. I called there and was informed that they filed a suit against me and that I could resolve it over the phone or they would see me in court. No such case has been filed. I called back and demanded their address to send a request for verification of debt. After arguing with one lady she put me on hold and another gave me their address. It 's the address for XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX FL XXXX. This is an unlicensed attempt to collect a debt. They should be shut down and fined appropriately. XXXX should also be fined for transferring this debt to an unlicensed collector. Also I called the XXXX County number back and it was the car title division XXXX. I informed the lady that either one of their employees was working a side scam or their number was being duped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to remove this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please delete these accounts immediately : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported :XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1200.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1200.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1200.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Debt collection

The debt collector began to demean me for not being able to pay my debt. She began arguing with me, raised my XXXX XXXX and tried to make me feel like I was a horrible person because my priority is not paying this debt in her eyes because I cant come up with the {$600.00} balance. I just lost a family member and am grieving at the moment. They continue to harass me with repeated phone calls.
Product: Checking or savings account

CITIBANK executive staff member, " XXXX '' told me on a XX/XX/XXXX phone conversation that she was going to next day air my funds from a closed account, including interest. She specifically told that only " because of the weekend, '' that it could be Monday, rather than Saturday XXXX XXXX XXXX XXXX XXXX  She told me that the CALL WAS BEING RECORDED, and yet, she never told me, ever, despite very diligent and clear conversations we had ( all of which will be evident on the audio recording ) what she wrote in the letter on my previous complaint, " we submitted your account closure request and were advised that it is currently taking 10-15 business days to complete the closure and receive the check by mail. Unfortunately, expedited requests are not being accepted at this time. '' She lied to me, and never followed up with a phone call, E-mail, or other notification noting this apparent change. I have filed a second police report, and have contacted my local media outlet for advocacy. I was promised my funds from the closed account on the latest, Monday, XX/XX/XXXX, and was lied to. 

Again, the funds are not in my possession and I consider them missing or stolen by CITIBANK. This has been the case for weeks now and I am asking for the CFPB 's critical and urgent assistance with my theft
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX in XXXX of 2021. Wife XXXX XXXX XXXX was co-owner of the account but inactive. The account had {$3500.00} and it was reduced to a small balance but we were unaware that monthly fees would be charged as the balance was reduced below a certain level. As the account was inactive and we were conducting no business with XXXXXXXX XXXX we were unaware that they first took the entire balance in fees then created a negative balance, and continued to add additional fees, charge interest and report delinquency. As we became aware through a telephone call from their collection department we did pay off the balance but desire the negative reporting removed or amended to indicate their billing and activity caused the concern, not actions on our part. In a perfect world they would refund the {$80.00} original balance as well as {$55.00} in additional fees and interest that we have paid to satisfy and close the account.