23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My issue dates back to XXXX. It's on going. I was a victim of a scam in XXXX of 2024, I contacted Truist bank and provided all documents pertaining to this and was told that I would Not receive partial nor the full amount that was lost even after providing a case number from the sheriffs department. I was thrown back and for between XXXX ( Truist ) and XXXX. Truist told me to contact XXXX to try to get a refund at which I did and XXXX advised that they were willing to provide me with a full refund of the money if Truist contacted them or provided them information regarding the scam. Truist ask me to provide any proof of the denial and or communication regarding this and at which I did. After the back and forth I spoke to an escalation team member and was told that I was commiting fraud on my own account and couldn't authenticate my identity after providing more information than necessary and was sent to the bank branch. I spoke with the Branch manager who didn't understand the confusion and was able to get back into my account. I called a XXXX escalation person and was told that there wasn't anything else they were going to do and told me " you need to seek legal representation '' this process took roughly a couple of months. Truist stated that they credited my account about XXXX dollars which that was less than what i lost from XXXX and nothing from the XXXX transaction. Now I've come to having fraud on my account, Truist states that I will have to dispute the fraudulent transaction, the person I spoke with wasn't even going to close my card with fraud occurring on my account not to mention the transaction is cleared and posted to my account and hasn't been posted to my account. I check to see if the amount has been credited and it has not and now I have different transaction made on a card that was closed last week from the same people and this transaction was posted yesterday. At this point if Truist can not fix this I'll seek Legal representation and advised by one of there own associates.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states i have The right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

In 2015 I entered into a payment plan to pay off a roughly {$11000.00} balance to Prestige Financial for a car I had to voluntarily have them repossess during my divorce. Since I have paid nearly {$11000.00} from what I can gather from my banking records. I have phoned them several times asking for statements and paid amounts and they told me they do not send out statements on " charged-off '' accounts. This morning I spoke with XXXX in their recovery division and she informed me that I still have a balance of {$9000.00}. When I challenged that and asked how, she said I signed a contract for {$38000.00} etc. I told her that contract was not the one in question, that was the original contract. The things that followed is what I am concerned about. They took possession of the car, sold it at auction, I had already paid the principal down through the 2 years of payments when I owned it, they got a judgement against me and I entered into a payment plan for {$11000.00}. Today I was dealing with an {$11000.00} debt that she informed me still has an additional {$9000.00} owed after 5 years of paying on it. I do not understand how that is accurate or legal. I can not afford another 5 years of paying for a vehicle I no longer own. I am laid off due to COVID-19 so I requested they remove me from the payment plan since I can't afford it right now. I need help. How is this legal??? They charged off the account, sold it and now they can recover {$20000.00} on an {$11000.00} debt due to interest????
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.eeC 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ive never lived at these addresses, someones been using my identity XXXX XXXX XXXX, XXXX, Mi XXXX XXXX tolling XXXX XXXX, XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX
Product: Credit card

I call bank of America and they do not want to do their job. I always forced them to their online XXXX, which says you can not dispute that here ; call the bank. 6hrs and nothing. 
I want the Bank of America Credit Card division to call me about their inability to resolve a transaction and locate another one.
Product: Debt collection

Received a collection notice from Credit Protection Association L.P. of XXXX Texas with no knowledge of who the bill is for or from except the name XXXX of XXXX New Mexico. This seems to be some sort of fraud.
Product: Credit reporting or other personal consumer reports

Inaccurate information on credit profile closed accounts and 1 hard inquiry needs to be deleted XXXX XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX ( hard inquiry ) , XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Debt collection

Debt Validation Request for Account Number [ XXXX ] Dear [ PORTFOLIO RECOV ASSOC ], I am writing in response to your attempt to collect a debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am requesting a full validation and verification of the debt you allege I owe. 

Please provide me with the following information regarding this debt : 1. The original creditors name and address.

2. A complete accounting of the debt, including the original amount and any fees or interest added.

3. Copies of any contracts or agreements that you claim obligate me to pay the debt.

4. Documentation that you are legally authorized to collect this debt in my state.

5. A copy of the original agreement or application that I signed. 

Until I receive the above information, I request that you immediately cease all collection activities and reporting to any credit reporting agencies ( XXXX, XXXX, and XXXX ). Please note that failure to comply with this request within 30 days will result in my considering your claim invalid, and I will take further steps to have this matter resolved, including disputing this account with the credit bureaus and seeking legal counsel if necessary. 

If the debt is validated, I reserve the right to request further information or negotiate a settlement. If you are unable to provide the requested information, I ask that you immediately remove any negative information regarding this debt from my credit report. 

Please respond to this letter in writing, and send your reply to the address listed above.
Product: Debt collection

i'm married and over XXXX XXXX XXXX. i make XXXX a year cutting grass for the city of XXXX AS AN XXXX  XXXX. my wife an i lived on the XXXX yearly income. The city of XXXX don't provide any medical or other benefits. On XX/XX/2020 i felt illed. i visited the emergency room. i was there around 30 minutes. The bill was {$5000.00}. they charge {$160.00} per minute. my wife called many times asking for a reduction due to our limited income but they refused. they agreed to a $ 100 monthly payment. see attached the proof i was making my payments when suddenly a collection from XXXX  XXXX  AARGON AGENCY INC called me that XXXX XXXX sent my account to them because i wasn't making my payments. please see attached proof. it's a lie. i'm accusing XXXX XXXX of elderly abuse and fraudulent collection practices.
Product: Mortgage

Hello, in 2008 I was XXXX XXXX from my job. I found another job, but was XXXX  around 54 % of my previous income. During that time, my loan was with XXXX XXXX. I asked well before my lay off if they are able to help me until I am able to be at a fairly good standpoint. I also called all my credit cards and requested the same. I have never been late on any of my accounts at that time, and I had a FICO score of XXXX. I was told by XXXX XXXX there is nothing they can do, and to make sure I sell my stocks before I default ( while she laughed ). I ended up losing a good percentage of my stocks due to the crash, as well as cashing some money out to help with my XXXX, to the point all my money was gone. It was n't until I missed two payments that I received a call from XXXX XXXX stating they can help me. 

Prior to the modification I had a principal balance of ( rough estimates ) around {$220000.00} with 22 or 23 years left on my mortgage. I then spoke with them about a loan modification. I also asked if I may pay what I can to apply to my mortgage loan. I was specifically told by making a payment, it does not show hardship and my modification may be denied. In short, when the modification was finally completed my new principal loan was now around {$310000.00} with a new 40 year term. My home was already undervalued, and with the modifications undervalued my home even further. 

My loan is now with XXXX XXXX, and I am unable to do a refinance that will make my payments lower than what I pay now. My main questions are : Why would they increase my principal balance and term, rather than keeping my original principal the same with an extended term to lower my monthly payment? 
I have spoke with multiple people who own multiple properties that all had principal reductions. I was just trying to save my one home. 

Also, now my loan is no longer with XXXX XXXX or XXXX XXXX, with no equity am I still able to refinance without paying more than I am now? 

I have a bigger family who are getting older, as prices and medical cost keep rising, while my salary has not increased. I am close to struggling again, but as before try to anticipate my options to prevent that struggle from happening. 

With the increase in principal and increase term from XXXX XXXX a mistake? I noticed those who received a principal reduction, and actually got help from the loan modifications were those who had bad credit, with multiple late payments. Was I judged base on my credit history and willing to pay? 

Thanks for your help.
Product: Debt collection

I had to contact Southwest Recovery Services by phone to get their correct address because I sent them disputes and they kept coming back to me as undeliverable because of incorrect address. I sent it to the address which they provided on my credit report. 
After they gave me another address of XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX, I mailed the most recent Dispute and Notice of Debt Validation to them on XX/XX/2022. I have stated to them several times that I do not recognize the debt which they are reporting to my consumer credit file. Southwest Recovery Services has not replied to validate this alleged debt. They have also provided incorrect address to me so that I can not dispute the debt with them in writing.
Product: Credit card

My name is XXXX XXXX and the Citibank , N.A . denied my credit card application. 
I have filed a prior complaint with CFPB for this issue and I have uploaded all supporting documents to CFPB on XX/XX/2023. 
My CFPB complaint ID # for the previous filing is XXXX. 

I am resubmitting the same complaint second time because I have just discovered yesterday, on XX/XX/2023 from news that Citibank has been denying credit card applications for XXXX. I am XXXX  and my last name ends with " XXXX ''. Because I am XXXX  descent I have been purposefully singled out and discriminated by Citibank. I have been intentionally denied for credit based on false and fabricated reason and Citibank accusing me that I have bankruptcy filing in my XXXX credit report. Such allegations are false and lies, because my XXXX credit report does not have any bankruptcy information and I have never filed bankruptcy in my life. 

Although CFPB has taken action against Citibank and the lawsuit is settled, I see that Citibank is still continuing on discriminating against XXXX  applicants. I request from CFPB to further take legal action against Citibank because of the fact that Citibank is still practicing discrimination against XXXX.
Product: Credit card

XX/XX/scrub>XX/XX/2019 {$480.00} This account was closed and charged off by the credit grantor. It is still being reported as if it's an open account. I've disputed this several times and have been unable to have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.
Product: Debt collection

USCB AMERICA is fraudulently reporting a medical debt that they allege belongs to me but has failed to verify. I have requested proof of the records and have not been supplied any evidence that I in fact owe this debt to them. Furthermore I have never granted USCB access to any of my personal information much less permission to access any of my medical information which violates my right to privacy, XXXX and my states medical privacy rules. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) pertains to unsecured XXXX identifiable health information of an individual in a personal health record and the acquisition of that information without direct consent from the individual. I have given no such authorizations therefore there is definitely a Breach of Security if your company has any of my personal and or medical information. Your actions violate the XXXX XXXX XXXX XXXX  XXXX XXXX, FCRA and XXXX. 

I AM DEMANDING COPIES OF : XXXX authorization bearing my signature Copies of any agreements associated with this account Copies of bills associated with this account This is my formal dispute as well as Cease and Desist Demand to cease all collections activity. Compliance is required and I reserve the right to file charges and additional complaints with the XXXX as well as any county, state or federal authorities that govern your activities.
Product: Credit reporting or other personal consumer reports

Experian is reporting incorrect and inaccurate information on my credit report. They refuse to properly investigate negative and inaccurate information when I dispute the items. My name is XXXX XXXX and I have a fraud alert for identity theft yet they will not remove incorrect names such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX etc from my accounts. They are reinserting false and incorrect information on my report even after I sent them my ssn card and drivers licenses.They are reporting medical bills and that is not ok
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I became aware of a judgement filed against me by Heights Finance. Between XX/XX/year> through XX/XX/year> I spoke to several representatives and supervisors in their collections department along with several law firms which they claimed had my file and could give me answers. For 4 days I spent hours on phone calls to get an amount due or a release of lien, to no avail. XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) said they do not have a file for me even searching by my social security number, the law firm listed on the judgement says he hasnt worked with their company for many years. I just wanted to get this resolved but they will not give me a listing of payments I made, the balance I owe ( I was told my balance just shows XXXX ) or a release of lien. Heights Finance claims they do not have the authority to give a payoff, I can only get it from the attorney. But they have no idea who the attorney is or where my file is.
Product: Credit card

Citi made an error on my XX/XX/XXXX statement. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I made payments greater than the minimum payment due totaling {$7400.00}. 
Citi mistakenly applied these payments to the balance with the lower APR instead of the balance with the higher APR as required by law under the CREDIT CARD ACCOUNTABILITY RESPONSIBILITY AND DISCLOSURE ACT OF 2009 - TITLE 1 - SEC. 104. APPLICATION OF CARD PAYMENTS.

SEC 104 covers SEC 164 of the Truth In Lending Act ( 15 U.S.C 1666c ).

Sec 164 ( b ) ( 1 ) IN GENERAL.Upon receipt of a payment from a card-holder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. '' The payment section of Citi 's Credit Card Agreement includes the same language : " If you pay more than the Minimum Payment Due, we'll apply the amount over the Minimum Payment Due first to the highest APR, then to the balance with the next higher APR ... '' Attached is my XXXX and XX/XX/XXXX statements. 

The Interest charge calculation section of the XXXX statement clearly states that the Balance Transfer Rate ( of 0.99 % ) expired on XX/XX/XXXX. It shows that the balance ( BalTrnOffer XXXX ) was {$7100.00}. 

The XXXX statement shows that the new Balance Transfer Rate ( BalTrnOffer XXXX ) APR is 19.24 % and the Flex loan APR is 6.99 %. It shows the payments made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX totaling {$7400.00}. These payments were applied to the Flex loan balance at 6.99 % instead of the BalTrnOffer 6 balance at 19.24 %. The payments should have reduced the BalTrnOffer XXXX  balance to XXXX but it instead went to {$7100.00}. 

Note that Citi charged 19.24 % interest on the BalTrnOffer XXXX balance of {$7000.00} through the month of XXXX while during the same period did not apply the payments according to the higher interest rate. 

I called Citi Customer Service about this problem on XX/XX/XXXX after receiving my XX/XX/XXXX statement. The agent said she would have someone look into it and to call back. 

I called Customer Service on XX/XX/XXXX. The agent said that they use the APR from the previous month to determine the payment allocation. Given the results on my XXXX statement it is apparent that the software that creates the monthly statements also uses the XXXX from the previous month to allocated the payments. ( But not to calculate the interest amount that the customer must pay ). 

I sent an demand letter ( attached ) to Citi at XXXX XXXX XXXX XXXX XXXX, SD XXXX on XX/XX/XXXX with the request to have the payment allocation corrected. I have not received a response as of XX/XX/XXXX. 

The practice of using the expired APR from the previous month is not mentioned anywhere Citi 's card agreement. 

Using the expired APR from the previous month is a violation of the law as defined in the Section 164 of the Truth In Lending Act.

I am requesting that Citi correct my statement balance in accordance with the Citi card agreement and federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was accessed by someone attempting to open a fraudulent credit account ... .... XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD ), after contacting XXXX for my credit information The inquiry caused my current XXXX XXXX  to send me a fraud alert ( which we did sign up for several years ago ). I contacted XXXX XXXX and got the information about the inquiry through XXXX. XXXX operates through XXXX. I had placed a security freeze through XXXX after a fraudulent credit card attempt using them over two years. 

The XXXX XXXX fraud alert services and the XXXX freeze allowed me to observe this latest fraud attempt... .they also recommend freezing credit through other agencies and filing a fraud report to the FTC .

I now plan to freeze my credit through XXXX and Equifax but also found out in this process that many other consumer reporting agencies exist like XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX that participate in offering or selling credit information for any and all credit inquiries as well ... ... .I believe a security alert/ credit freeze due to fraud for one institution should be issued for all agencies simultaneously ... ... .and maybe these agencies could more diligent in safe guarding consumer information without placing the burden on the consumers themselves. 

Additionally, the USPS also contacted me with a change of address request that I did not make.

I had to go through many steps to acknowledge and cancel the request through the USPS. I believe the Identity thieves are using USPS change of address request forms in a series of steps to steal consumer identities through the many credit companies and issue fraudulent credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and notice some hard inquiries that I don't recognize. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is not reporting the correct information they have 3 different errors that they are sending the credit bureaus on my consumer report in experian they show closed no debt equifax they put a different date from XXXX  and it also still reporting an address that should not be on my consumer report XXXX XXXX XXXX i no long stay there
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Unions regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request a investigation into my account transactions.
Product: Mortgage

refinanced house in XX/XX/XXXXwith XXXX XXXX first payment was XX/XX/XXXX, after pulling first payment transferred the servicing of mortgage to Freedom Mtg as of XX/XX/2018. Please see credit report FREEDOM reported the $ XXXX loan XX/XX/XXXX, and loan servicing transfer letter authorizing them to as of XX/XX/XXXX. Freedom MTG illegally reported the loan as of XX/XX/XXXX, XXXX reported it XX/XX/XXXX. As you will see the credit report shows I owe $ XXXX for mortgage on my house. My credit score is in a free fall. I went to get personal loan to clear up the rest of my dept. and was denied because both companies reported I owe them $ XXXX. I am sure I am not the only one this is happening to.
Product: Debt collection

I never received a letter or notice about the debt being owed prior to being sent to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently sent in a dispute for correction on my credit report, and nothing has changed. it seems XXXX failed to do a proper investigation required by law. Inquries still remains on my credit report ( hard and soft ) as Ive had no business with these organizations. Also charge offs still remains, and late payments hasn't been placed in current status either. I'm sending in XXXX last and final dispute letter before I go into federal courts if XXXX continues to defame my character and cause me more XXXX XXXX XXXX XXXX XXXXXXXX. I'm being denied credit due to these inaccuracies of debt. XXXX has assumed a vital role in my consumer affairs, so im demanding that they correct my credit report before a suit be filed against them.
Product: Credit reporting or other personal consumer reports

A month ago, I sent TransUnion a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXX XXXX