23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Citibank and their subsidiary client services violated the FDCPA by calling repeatedly with intent to harrass and intimidate. I have requested numerous time from Citibank directly and through the CFPB that they provide the call logs for all calls made to my phone number from XXXX through XXXX from them and their subsidiary XXXX XXXX XXXX To date Citi does not seem to either be willing to provide the information or quite frankly their representative that keeps responding an XXXX XXXX is too stupid or just incompetent to be able to read a complaint and respond and provide the information I am requesting. Here is what I am asking for : 1. a copy of the call logs made to my phone number from XXXX through XXXX from both Citi and XXXX XXXX XXXX XXXX I would like the records to include all calls made by a person, a dialer and to also include all calls made from " spoof '' phone numbers and not just their standard phone numbers. 

I have no doubt that once again they will not provide this information and will try and force me to call them which certainly goes against the spirit of this provision of the FDCPA. I have written them directly on XXXX to request this information ( attached ) called on XX/XX/24 and spoke with a representative XXXX ( ID XXXX ) who could not assure me the call was being recorded all though I requested it and that I could not speak with XXXX directly. XXXX further stated he was not sure how long it would take to receive a response if indeed I received one at all but when pushed for an answer he said 15 days. Additionally, despite Citi bank noting and a previous letter they would not attempt to collect this debt at this time XXXX chose to attempt to try and collect further showing that Citi is corrupt and violating the law and also going against their own statements they chose to put into writing and on file with the CFPB on a previous complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled all three of my credit reports and saw that there were multiple inquiries that I didn't authorize. Equifax, XX/XX/XXXX and XX/XX/XXXXhave these listed on my report. 

XXXX - XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX, XXXX 2021 XXXX, XXXX, and Transunion took it upon themselves to start reporting a bankruptcy on my consumer credit report. After I contacted XXXX, XXXX, and Transunion, all three credit reporting agencies said that the bankruptcy ( XXXX ) was accurate and came from XXXX. On XX/XX/2021 XXXX sent me a correspondence which is included in the attachments, saying that " After their reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number ( XXXX ) ''.
Product: Credit card or prepaid card

I have a best buy credit card. My payment was suppose to be XXXX which i was fine with. When i went in to pay my bill it stated it was XXXX. I did not makr a payment as i didn't have that much. Now its at XXXX i can not pay that much. Im on XXXX  and work a part time job. I feel that they let me get this far as a high risk person and now i cant dig myself out. I asked if they could put payments back at XXXX a month as i can make that payment. I was out of work for 2 weeks i called and asked what could be done and was told nothing could be done. Its hard to speak with ppl who speak broken XXXX. Which frustrates me and then they get mad and end the call. I cant help it if my XXXX  takes over in this situation. So im asking that my payments can go back to XXXX a month. U can keep my privileges suspended. So im asking for this a normal payment of XXXX. Thank u
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX disputing negative inaccurate information on my credit report. Unfortunately these credit companies aren't complying with their own policies within a timely manner. I am hereby requesting that the items disputed be removed XXXX.
Product: Debt collection

I lost my job due to an motor vehicle accident that was not my fault. This made the loan fall behind. They refuse to to work with my husband on the loan. He is the only one working. They just called 6 times in less than 10 minutes. Even after he talks to them and make a payment arrangement, they call back 2-3 times the next day. They are threatening to sue. We are barely holding on to our home and keeping the cellphones on so they can even call us. The guy tried to basically force my husband to have us redo the loan. They even called and harassed us about that because we were close to paying off. Once when we thought about it, the young man wanted a vehicle title we did n't tell him about or offer for a {$12000.00} vehicle title for a {$500.00} loan he said our {$1200.00} lawn mower was n't enough along with a laptop. At that point we got up and walked out. We did not redo the loan. I have XXXX in a few days and my husband is under XXXX for XXXX himself trying to get our belongings from the wrecked vehicle. I need this resolved.
Product: Debt collection

I obtained a payday loan in XXXX from Speedy Cash. My checking account was closed in XX/XX/XXXXdue to someone committing fraud on it. As a result Speedy Cash was unable to collect the debt. A few years went on and I got a call from Speedy Cash as well as XXXX XXXX XXXX XXXX. In XXXX I wanted to pay this old debt so I began communicating with both companies. A representative with XXXX XXXX as well as Speedy Cash promised to delete the collection from my account if I paid the debt IN FULL. In early XX/XX/XXXX I paid the account in full at {$310.00}. The debt reflects a XXXX  balance. What Im upset about is that I have called Speedy Cash 13 times to discuss the removal that was promised. I called XXXX XXXX 12 Times requesting that they hold their end of the bargain. They deny promising to delete the account and they told me that they will pull up a recording of the conversation to prove that they did not promise me to remove the account. I havent heard back from them. I would have not paid this account if I was not promised this Paid to Delete. Me paying no the {$310.00} didnt do anything to my credit score. Im happy its paid but Im very u happy with their collection practices. Please help. I can be reached at. XXXX
Product: Checking or savings account

*Contacted WFB via phone regarding closing my $ XXXX XXXX  with maturity date XX/XX/22 on XX/XX/22 and on XX/XX/22 due to interest under paid interest errors. 
* Phone banker verified me and said she would forward closure form to close account on XX/XX/22 and request the {$5200.00} funds be transferred to my checking account. She advised it would processed within XXXX business days. 
* After checking both account 4 days later I verified, the XXXX account was not closed. 
* Called WFB again and was informed, the request was not eligible because over $ XXXX. 
and joint account so she would request a cashier check to be mailed to me after I educated them that there is no WFB branch in the state of IN and the POD on account stands for beneficiary not joint account! 
* To date, no check was ever mailed and no resolution after I initiated XXXX additional phone calls and receiving an email on XX/XX/22 and XX/XX/22 from a Escalation Complaint dept with an invalid *extension number! 
* I transferred my mortgage with them 2 years ago due to this type of inferior service and frustration. However, this is my money so Im appalled at this experience.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Against Credit Bureaus for Inaccurate Reporting Dear Sir/Madam XXXX I am writing to formally file a complaint against the three major credit bureausEquifax, Experian, and XXXXfor reporting inaccurate information on my consumer credit report.

As outlined in 15 U.S. Code 1681, the accuracy and fairness of credit reporting are crucial not only for the integrity of the banking system but also for consumer confidence. Inaccurate credit reports can lead to significant adverse consequences for consumers, including denial of credit, higher interest rates, and damage to their reputation. 

Despite my efforts to rectify the inaccuracies reported by these agencies, they have failed to investigate my claims thoroughly or provide adequate responses. This not only violates my rights as a consumer but also undermines the essential function of credit reporting agencies as described in the Congressional findings.Im attaching a copy of my Credit Card Statement for documentation showing when my credit card company reports to the credit bureaus, and you can clearly see the violation.

I request your assistance in investigating this matter and ensuring that the credit bureaus adhere to their legal obligations to maintain accurate and fair reporting practices. I would appreciate any guidance you can provide on the next steps I should take. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was dismayed once I looked at my XXXX, XXXX and TransUnion credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Debt collection

In XXXX of XXXX the American Express account was opened. Beginning of XXXX payments went into delinquency. On XX/XX/XXXX, the account was closed and at the end of XXXX or beginning of XXXX, the account was charged off as bad debt as a result of a court hearing that they never served me papers for or contacted me. I was only contacted after the fact via mail. This account says I have a past due amount and they tried to contact me again in XXXX of XXXX. The account had, at that point, been closed and charged off for XXXX years. This account is too old to still be on my credit report I believe and they have continued to harass me for payment on the account even though it was charged off as bad debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$5200.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$1900.00}.
Product: Money transfer, virtual currency, or money service

I purchased a money order ( two ). One was for {$1000.00} and another {$920.00}. I wrote my landlords name on the money order but a person was able to steal the money order from the landlords office, whiteout what I wrote and cashed it. I purchased the money order on the second of XXXX from XXXX. It was cashed about the XXXX or so from a bank. # XXXX XXXX ; {$920.00} # XXXX XXXX.
Product: Mortgage

FRAUDULENT MORTGAGE LOAN SERVICING ( XXXX ) BY XXXX XXXX XXXX, SPECIALIZED LOAN SERVICING ( SLS ) AND XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( AS TRUSTEE FOR INVESTOR ) WITH RESPECT TO XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX LOAN # : XXXX, XXXX XXXX # : XXXX XXXX XXXXXXXX XXXX, Specialized Loan Servicing ( SLS ) and XXXX XXXX XXXXXXXX XXXX XXXX ( AS TRUSTEE FOR INVESTOR ) have violated the mortgage origination documents by introducing a new unsolicited balloon loan of {$380000.00} into the home relief option expected to bring relief to the borrower ; but now pain, because they have threatened to foreclose my property unless I agree to sign the additional balloon loan agreement on or before XX/XX/XXXX ; as a solution to resolve the unpaid arrears of {$100000.00}. They refused the extension of the maturity date of the loan from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX as the Retention program provides ; but instead allow only 1 month extension from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 
Specifically they are violating Clause 3F of the Modification Agreement signed on XX/XX/XXXX ( see page 8 of attachment ) which categorically states that only the deferred non-interest bearing amount of {$150000.00} will be due for payment at maturity, by year XXXX ; or when the mortgage principal of {$510000.00} is paid off ( see page 109 of the attachment ). SLS claim the balloon amount is at the instance of the Investors guidelines- XXXX XXXX XXXXXXXX XXXX XXXX XXXX which violates all the agreements concerning the mortgage loan and therefore violates RESPA and Home Retention Program. 
Specifically they have violated Clause 4 of the Modification Agreement signed on XX/XX/XXXX ( see page 8 of attachment ) -RESPA because they have refused to account for the application of the about {$560000.00} I have paid towards principal and interest payments from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  and the credit bureaus ( XXXX, XXXX, Equifax ) are continuing to report a fraudulent account that should have been removed along with other accounts proven to be unverified. Despite submitting identity theft documentation and multiple requests for verification, no legitimate proof has been provided. Instead, they have manipulated the account details, re-aging it to make it appear recent. This has caused ongoing damage to my credit and is a clear violation of proper reporting standards. 

I have already seen other fraudulent accounts from the same period of identity theft successfully removed, proving that they could not be verified. However, XXXX and the credit bureaus are failing to act on this account, despite the documentation I provided during my medical incapacitation, as detailed in my FTC Identity Theft Report. 

There is no valid reason for this account to remain on my report, and the lack of transparency in the process of re-aging the account to prolong its negative effect raises significant concerns.
Product: Student loan

Since XXXX of XXXX, in the past XXXX months, they have put my student loan back into repayment 5 times. I am currently a student at a registered school. Each time I have to contact them to put it back into deferment which they have done up until the most recent time that I contacted them. My loan is still not deferred and no one has responded to me. I have also asked questions about why this continues to happen and how I can change lenders which has also not been responded to. 
XXXX change in loan terms ( loan put into repayment ) XXXX new financial information ( deferment ) XXXX change in loan term ( loan put into repayment ) XXXX in-school deferment granted XXXX change in loan terms ( loan put into repayment ) XX/XX/XXXX in-school deferment granted XXXX billed for monthly payment ( received late fee of {$4.00} when paid in XXXX as I thought it was in deferment per in school deferment granted on XX/XX/XXXX. 
XXXX billed for monthly payment XXXX in school deferment granted XXXX change in loan terms ( loan put into repayment ) Message sent on XX/XX/XXXX regarding in school status with no response. Loan is still in repayment.

This is the worst experience I have ever had with a financial institution. I am really tired of dealing with this company and I would really like to know how I can change my lender. Thank you
Product: Debt collection

XXXX with the NP Group XXXX called me about a online loan that he was trying to collect on. He had my social security number and the last XXXX of my checking with an address I lived at from late XXXX until XXXX XXXX. He said the original amount was XXXX but with the fees and interest it was at XXXX now. He said I could pay XXXX to satisfy this debt. I asked for the name of the company the debt came from. He told me XXXX XXXX XXXX. I asked him for their contact info at XXXX XXXX XXXX and he told me that he did not have that. I do n't believe this is a real debt and suspect it it is a scam.
Product: Credit reporting or other personal consumer reports

I decided to purchase few homes in the state of California and before I do that I had purchased a brand-new set of my credit report from Experian that got me so disappointed to find out that I am a victim of identity theft. Apparently, someone is unknown to me had somehow found my personal information changed my address and phone number and got themselves a credit card from XXXX XXXX. Since I am not aware of this account the account got charged off or for about {$200.00}. And if you look at my credit report all my credit cards limit are above {$10000.00} - {$20000.00} credit limit with outstanding payment history for over 20 years. And I requested XXXX XXXX XXXX to 1 ) Close this account and remove from credit report agencies because it is a fraud account. 2 ) I did police report see attached. 3 ) I did identity theft report copy attached 4 ) I requested XXXX XXXX to give me investigation report and XXXX XXXX refused to do that, XXXX ) XXXX XXXX refused to give me Physical address in the State of California and Registered Agent in the State of California and the tel number to sue XXXX XXXX XXXX in State of California and XXXX XXXX refused to do that and that is illegal reporting on me to credit agencies and XXXX XXXX is obstructing justice for now allowing me to sue them in the State of California. I demand XXXX XXXX to be forced to give me the physical address and California and registered agent in California and the tel number in California to allow me to sue them for destroying my life. XXXX XXXX XXXX is hiding illegally with po box address in outside California to prevent to be sued for reporting this illegal fraud report on my credit report.
Product: Credit card or prepaid card

I have a complaint against Bank of America. 
I have been a customer of the bank for 15 years. 
We have 2 credit cards with the bank, both on auto pay. 
Credit card ending in XXXX had a payment of {$320.00} which was auto deducted on the XXXX of the month. 
On XX/XX/30 I had called to have the payment reduction to the minimum payment of {$210.00}. 
The agent on the phone did all the necessary changes. 
Now I am getting a bill of {$460.00} for XXXX. 
Because their system did not process the autopay on XXXX I am now tacked with a late fee. 
The agent on XX/XX/30 did not mention the need to make a payment as he indicated that {$210.00} will be deducted on XXXX. 
This is a scam, to squeeze every little bit from the customer. I have been auto paying my bill for months. Not charging a month and Then tacking in a fee. 
Please investigate
Product: Checking or savings account

Hello, I requested a XXXX distribution through XXXX. XXXX sent me a check for {$4700.00} from their entity, XXXX XXXX XXXX. I deposited this check via mobile deposit to my Chase Savings Account on XX/XX/2023. The check cleared on Chase 's end but then they flagged my account for fraud, stating that they needed to verify the check from XXXX XXXX XXXX. 

I called XXXX and asked for the number that Chase could call to verify the check. I parlayed that information to Chase but Chase states that the number provided is not registered in their system as an approved number to call and therefore will not call to verify the check.

Chase is state that they are unable to verify the check and have frozen my account, locking me out of both my Checking and Savings account with a total {$9700.00}. 

XXXX is stating that they are not able to revoke the check as the check has already cleared on Chase 's side but Chase refuses to verify the check and thus is threatening to liquidate and close my account within 7 business days. 

I have read that though I will get my funds back via a check from their treasury 30 days after my account is liquidated, the funds currently being disputed will be withheld indefinitely.
Product: Credit card or prepaid card

I was having problems with my Chase credit cards on XXXX of the cards the Slate card they closed my account without me knowing it saying I owed {$8.00}. I went into the Chase branch and talked to the branch manager to try and figure out what 's going on with the money owed on my slate card this was XX/XX/XXXX he contacted the credit card division and found out that the card was closed. I was never informed in writing or any other matter telling me that they have clothes that credit card for missing one payment of {$8.00}. I was so upset I turned over my Chase Slate card my Chase Southwest Airlines card and Chase Freedom Card to the branch manager and said I want all of these accounts closed and they all had a XXXX balance except the Slate card which I paid right there in a spot out of my checking account. In XX/XX/XXXX I received the Chase Southwest Airlines new card in my name and my dead mother 's name when I called Chase I recorded the call and a customer service representative said XXXX my mother was added to the account XX/XX/XXXX the only thing is my mother died XX/XX/XXXX now Chase is ruining my credit by reporting false statements to the credit bureaus saying I owe 200 something dollars on The Chase Southwest card but yet no churches that ever been made since I close the account I believe that chase added my dead mother to the account because they did n't know she was dead at the time but I did my credit score went from XXXX down to XXXX by Chase reporting all these missed late payments that are false and not factual I wrote them many letters I even emailed the executive office regarding this matter about the fall stuff in so many opening up a card in my dead mother 's name when I close the accounts and turned over my cards to the branch manager they should n't never opened up another card in my name without my authorization which I never did authorize so they 're reporting false statements and ruining my credit in my good name and I think they should pay after I told him to correct those false statements to the credit bureaus on more in three occasions and they have yet to fix it. My credit limit on the Southwest Airlines card at the time it was closed was {$4500.00} not all day in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX in XX/XX/XXXX they have reported to the credit bureaus that the credit limit is {$500.00} which is completely false if you need proof I have the credit card in my dead mother 's name I asked them who added her to the account in 2016 and they never got back to me because I told him the Press full criminal charges on the person who added her to my account and they did n't do anything. See the attached documents it shows number of cards issued XXXX. Then look at the credit card in my dead mother 's name is expires XX/XX/XXXX and I receive these cards XX/XX/XXXX when the account was closed by me and XX/XX/XXXX when I turned over all my cards to the branch manager and told him to close all accounts just so happens to be the same month that chase added my dead mother to my closed account interesting.