23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This company has purposely witheld my mortagage payment because I filed a previous complaint. I mailed my XXXX payment on XX/XX/XXXX and they didnt post to my account until the XXXX of XXXX. This was right after I filed a complaint with your bureau because of other issues I had with them. In addition, they tried to process an ACH in early XXXX for XXXX when i told them not to do until end of month. They said they cancelled it so therefore, I had to issue a check mailed on XX/XX/XXXX ( other bills mailed to other service companies on same date all recevied by XX/XX/XXXX except for Freedom ) so I wouldnt be more than 30 days late. 

I have always paid my bills on or around last week of month without problems. They also said my XXXX payment was late but it was presented to my bank on first of XXXX and Freedom posted the same day on my account. According to a Freedom employee, this can not be possible. The day they post is the day they receive then it takes a couple of days to be presented to my bank. 

Also, said my XXXX paymentw asnt received and it turned out it wasnt late. 

I requested recors of all postings to my account and matched with my bank statements and found that Freedom is inconsistent with how they post to account and sre inefficent with handling mail. 

This has been reported as a late on my credit and undoubtedly will effect me financially. Also, I was charged overdraft fees because they tried to process ACH beofre it was supposed to. I even told them this before and after they porcessed it and they did it anyway. 

I called them no less than 15 times over the last three months trying to get things resolved but things kept going in a circle. 

NOTE : Icould not attach files because they are hard copies so I can only fax bak statements shwoing history over last several months..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that was with XXXX XXXX and sold to Midland credit with an estimated balance of $ XXXX.I filed for bankruptcy chapter XXXX case # XXXX on XX/XX/20. I filed a dispute through XXXX as Midland credit was still showing on my credit report. The information was initially deleted, but now has reappeared on my credit report as a collection item. Midland Credit has obviously failed to stop the re-polluting of inaccurate information to my credit bureau report with inaccurate information. Under FCRA, Data Furnishers are to report accurate information and if they can't the information is to be deleted. Please either update the reporting to reflect this account was included in bankruptcy, as outlined by the XXXX XXXX XXXX guidance in the Credit Reporting Resource Guide or I will be pursuing legal ramifications for a directly violation of my consumer rights as this is a direction violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In preparation for closing the sale of my current home I contacted Ditech, my mortgage company, for payoff information approximately six weeks prior to the closing for payoff balance, etc. I asked if that month 's payment and the next, if the closing had not taken place by then, could be rolled into the payoff total that I was receiving.

That was done, however, now that Ditech mortgage has been paid in full and I am trying to be approved for a new mortgage I have learned that Ditech posted two months late payment to my credit score that came in the week I was to close on the new mortgage. This, of course, has caused the approval to be delayed which may cost me the purchase of my new home. 

I was ill advised by Ditech and have pleaded with Ditech to remove these late payments but so far have not been able to succeed. I have owned homes for over 40 years and have never had late payments before this posting.
Product: Credit reporting

The credit reporting agency did not forward proper investigations about this medical debt. 
Remove this from my credit report immediately. This report requires provisions from HEPA laws and Fair Credit Reporting. Experian refused to validate and verify a debt that is listed on my credit report according to law under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter. 
Please provide me with the information you received from this company. I have a right to know who, what, and how a company is reporting on my credit. Is this company in violation of HEPA laws.
Product: Money transfer, virtual currency, or money service

I initiated a transaction on XX/XX/year>, for {$10000.00}. I received an email stating that it would be delivered by XX/XX/XXXX. However, when I contacted customer service on XX/XX/XXXX, they informed me it would be delivered by XX/XX/XXXX. On XX/XX/XXXX, the status in my app changed from " in progress '' to " completed, '' but the receiver still has not received the funds. Since then, I have been calling daily. Initially, they said the receiver 's bank might take XXXX days to process it. Now, they claim it has been delivered to the receiver 's bank account, but the funds are still missing. They are saying it could take another XXXX working days to resolve the issue and have offered to refund the transaction fee ( {$0.00} ) as a consolation. My receiver is in significant trouble and has missed their payment commitments from XX/XX/XXXX through today, XX/XX/XXXX. 

I also initiated another transaction for {$14000.00} on XX/XX/XXXX. They promised that this transaction would be completed by XX/XX/XXXX, but the receiver has still not received the funds. They send an email on XXXX saying your transaction is on hold please provide more receiver 's info. 

Please help, Western Union is holding money for more number of days then they promise by any reasons.
Product: Checking or savings account

I'm a military XXXX who has been assigned overseas with my dependent. I've arrived in XXXX XXXX and need funds for our livelihood. I've been trying to move funds out of my citi account for this exact purpose but they have been impossible to work with. ACH Transfer limit is set at XXXX per month and if I were to transfer a larger amount, the representatives keep stating the only option is Wire transfer with an unavoidable fee. When I try to make the wire transfer, the website states my access has been blocked and to call customer service. When I call the customer service, I spent an hour with the wire transfer technical support who could not help me. After I was referred to the fraud department, I waited another half hour to hear that there's nothing they can do and I need to talk to customer service again to discuss my options on other types of transfer. In all these activities, I kept being restricted and blocked and ended up spending more than XXXX XXXX. My wife 's account has the same issue and the bank has restricted her wire transfer to herself. I just want my money so that I can use it to get an apartment and a car in this new country and citi has been anything but helpful in this process. I really want to move my money asap and close my accounts in Citi.
Product: Checking or savings account

Hold placed on {$4000.00} check written from a major corporate entity ( XXXX XXXX XXXXXXXX ) FROM A BANK OF AMERICA account
Product: Debt collection

I found out a few days weeks ago that I had something on my credit when I went to go buy a house. After which I called the company who had it and found out that they did not notify me or give me the proper time to contest or pay it without it impacting my credit report. I reached out to the company in regards to rectifying the situation. I found out that they had an address that I have not lived in since XXXX. Then they said, well we have a XXXX XXXX XXXX I checked with the postmaster and got a list of mail delivered to my XXXX XXXX since XX/XX/XXXX when they reported this to my credit report, the same day they purchased the debt. Found out that it was XXXX on the dollar. After speaking with them I asked them how we can handle this and get it removed. I was never notified of it and was not given the proper opportunity to contest it or pay it. They did not want to comment but did want to make a payment arrangement. I said, well how about I just pay it in full, can we get it removed? They said, if you pay it today we will update the credit reporting agencies immediately to show paid and closed. Then after 30 days of the payment posting, we will remove it. I asked for it in writing, which they sent me a letter just saying they would remove it after 30 days I proceeded to pay the full amount of {$1800.00}. So, after about 5 days they sent one Update to my employer, XXXX, but it does not say closed, it just says XXXX balance and open, and they did not update my other two with either status. Now come to find out they after today XX/XX/XXXX after getting a background check they filed a XXXX XXXX complaint to levy my bank account for the full amount as opposed to the amount they paid for it ( {$140.00} ). ( XXXX ) http : XXXX? XXXX XXXX never provided proper notice for me to be able to defend myself nor did they verify the information and validity before providing the court with this information. NOW, to add to this further, after getting a fully detailed report on my credit report, I found that they falsified the information on my credit report saying I owe them more ( {$1900.00} ) than what they actually bought and made appear like I made a payment. This was to impact my score more than it should have been from the original creditor ( {$1800.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

Months ago I addressed an account on my XXXX Credit Report that had a XXXX/XXXX XXXX account listed. This account in no way belongs to me. It is continuously hindering my ability to obtain credit and I need it removed immediately. The amount is {$400.00} and it says paid. I have attached Transunion and XXXX reports. Neither of the reports contain this XXXX account. Other than this negative remark on XXXX I have exceptional credit. I am highly disappointed that it has not been corrected and frankly feel violated. This issue needs to be rectified Immediately!
Product: Vehicle loan or lease

Hello, My name is XXXX XXXX, I purchased a XXXX XXXX XXXX XXXX  on XX/XX/XXXX, I paid off the balance on XX/XX/XXXX, it's now XX/XX/XXXX and I haven't received my car title. 

I have contacted Hyundai Finance in writing in XXXX of XXXX, and I have called multiple times, in writing, I have contacted XXXXXXXX XXXX by phone and in written ( XXXX of XXXX ) for my title to no avail. I have recently ( XX/XX/XXXX ) conversed with Hyundai Lease Titling Trust directly to resolve this issue to no avail. Since XX/XX/XXXX of XXXX I have been calling and requesting every intity involved to aquire my title, as of XX/XX/XXXX I have yet to receive my car title. I have also visited my local tag office in XXXX, Georgia to aquire my title, I was informed the title hasn't been released from Hyundai Lease Titling Trust. 

It is my understanding, by law, a company has 30 days to issue the consumer their title. 

Please contact me on how to pursue this urgent matter. You may email at XXXX, or, you may contact me by my cell number at XXXX Cordially, XXXX XXXX
Product: Checking or savings account

I applied for a premier checking account with HSBC on XX/XX/2022, and the account was approved the next business day XX/XX/2022. The terms of the agreement were a bonus amount of {$450.00} when I make a direct deposit from my paycheck/salary of {$5000.00} or more each month for 3 consecutive months. I did fulfill the terms of agreement for XXXX, XXXX, and XXXX, and when I reached out to the bank on their fulfilment of the bonus, they have been posting me now for the past 2 months. Every time I call, the representative will confirm that I met the terms and say the payment will be made on a future date and they never did. The last time I called, about 2 weeks ago, I was told the payment will be made on or before XX/XX/2022. We are past that date now and the bonus amount is yet to be credited to my account. I feel disrespected and deceived by this Bank and decided to file this complaint against them for the way I am been treated and their refusal to fulfil their own terms and conditions. I am deeply disappointed with HSBC.
Product: Checking or savings account

As of the XXXX of XXXX Suntrust closed my checking account. I called only told a letter would be sent. As of today, I still have no letter and no check for the money i have in there. I have called several times. Was told Suntrust does not have to give you a reason why they have closed your account. I have no Bounced ckecks. You can not talk to anyone who works in that department. They have my money and will not give it to me. If they dont want to do business with me any longer, thats fine but send me my money. They have no right to keep it. I am broke, I need food. And gas. I take care of my sister who is XXXX XXXX. Please help me.
Product: Mortgage

Date : XX/XX/2024 Subject : Disputing Information in Credit Report Dear XXXX I am writing to dispute the following information that appears on my XXXX consumer report. I have already written the vendor and requested a correction be made to my report for the mortgage past due mark but they sent a response that it was confirmed accurate. 
Ive attached the letter that explains that I was given mis-information. I was protected with a forbearance plan from XXXX through the end of XXXX because I was laid off from my job and was looking for work. 
I tried to setup the transition out of the forbearance plan and was given bad information on 2 occasions, as indicated on the attached documents. Once I knew about the trial period required by the modification, I tried to make the 3 months payments to satisfy the trial and implement the permanent plan to avoid negative impact to my credit but was told that I couldnt and, if I did, the payments wouldnt count for the subsequent months. This was incorrect information ( See highlighted ) and my credit took a XXXX point reduction b/c it shows Im over 150 days past due. 
I followed the plan exactly as I was instructed to do each time I spoke to them. Based on the admitted mis-information, I would like to request that the negative remark be removed from my record. I have not been late for any payments in well over 10 years on any account and, due to the negative reporting, other credit agencies have lowered my credit limits which has created additional decreasing in my score. Please see the specific details below followed by the communication from the vendor admitting to the mistakes. 
Account # XXXX Source of dispute information : U.S. Bank Type of disputed information : Derogatory mark for past due balance Dates associated with item being disputed : XX/XX/2024 Explanation of item being disputed : The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time, based on the agreement that I had with the bank. I was told it would remain in a good status if I followed the agreement. 
The following documents are attached for reference : - Portion of my credit report showing the account in question - Letter of approval for the forbearance - Denial letter from bank indicating they made mistake Thank you for your assistance
Product: Checking or savings account

See attached checks and letter My Email is wrong it should be XXXX XXXX I tried to change it but it wouldnt let me go to edit it so please make a note of this thank you so much.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 2. there is some inaccurate information reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Delete this account.
Product: Credit card

On XX/XX/2024 I requested a credit line increase on my Bank of America credit card account and the request was denied. It does not appear that Bank of America even pulled a copy of my credit report as I have my credit files locked and Bank of America made no request for me to unlock my credit files. Additionally, as requested Bank of America did not take into consideration assets that I have. Please see the attached Bank of America denial letter dated XX/XX/2024 and advise what assistance you can provide.
Product: Credit reporting or other personal consumer reports

I disputed the public record with transunion. The bankruptcy listed on my report does not belong to me it belongs to a relative with a similar name that lived with me. I requested transunion to remove this inaccurate information from my file and they still havent. I also requested their method of verification and to provide proof of the investigation into the information. They still have not responded or removed the errors from my report. If this is not resolved I plan to sue transunion for damages.
Product: Credit reporting or other personal consumer reports

The Department of Education loans ending in XXXX ( {$8300.00} ) and XXXX ( {$1300.00} ) remain disputed and unverifiable. Despite being marked " Resolved by Data Furnisher, '' the balances have not been validated as required by **15 USC 1681s-2** ( FCRA ). Further, under **16 CFR 602.3**, this unverifiable information must be deleted from my credit report.

As these loans fall under the jurisdiction of the Department of Education, the **Family Educational Rights and Privacy Act ( FERPA, 20 USC 1232g ) ** obligates the Department to ensure the accuracy of educational records and provide the right to correct errors. The inaccurate reporting of these balances violates both FERPA and the FCRA.

Additionally, under **15 USC 1666i** ( TILA ), I retain the right to dispute these debts. Given the lack of proper validation, I demand the immediate and permanent removal of these accounts from my credit report to ensure compliance with federal laws.
Product: Credit reporting or other personal consumer reports

Acima leasing failed to report to XXXX XXXX XXXX and XXXX .. the truth and they lied about why I was FORCED to have that scummy bed in my house for XXXX  months. It wasn't the same mattress it was a repossessed one not my new one. When they asked me to Donate it Because XXXX XXXX XXXX  Wouldn't pick it up they said they don't pick up and it's XXXX problem. I agreed with Acima to Donate it BUT the XXXX had no one to pick it up either because of the weather and I said I would rent a XXXX  and drop it off and they said no because it was a liability. Now it's XXXX and I told Acima no one else would pick it up. I made payments till it was finally picked up and then XXXX XXXX that was another reason it was stuck at my house for XXXX  months later. Ok so after the donation Acima Still says it's not Settled they wanted {$600.00} which is in the proof from the last XXXX complaints and they still argue this. I paid {$660.00} and they Refuse to tell XXXX XXXX XXXX XXXX so this is fraudulent and if I lose my house I will sue them Acima for The Cost of My House {$130000.00}. Even if I didn't pay which I did they refuse to send me a XXXX Balance Letter and every time I dispute they keep it open XXXX  now and Lie Saying I Owe them {$2700.00} I have till the XXXX th of XXXX and this Better be resolved They tell you it's Closed but they Won't change or report any updated Statements XXXX  it's final and it's XXXX so they got Tax credit from a church and they got to ruin my name asking for {$2700.00} Let this be XXXX Acima has a law suit against them for Consumer Fraud And they Have been reported by millions. This company needs to reinstate and not in XXXX  days either it needs to be done This day instantly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( demo from tornado ) Closing date for House XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX Action Needed ASAP
Product: Payday loan, title loan, personal loan, or advance loan

First tried a loan with company in XXXX that I never received product for so it was cancelled and the company only refunded {$63.00} of a {$110.00} charge and still owe {$49.00} of the initial charge which they refuse to return and dispute that its because they were not returned the full amount of the loan when i was given a confirmation transaction number, along with time and date with amount from the merchant that they were in fact returned their entire amount. That money has still not been returned to me and is currently being disputed with my bank. The other issue involves a current loan with affirm for {$970.00} in which they were already paid {$97.00} and now will not allow me access to my account in any way online. And still expect to get paid for a loan that they will not allow me access to. I refuse to pay anything further to this company if they are to continue to withhold access to my account from me as well as the initial {$49.00} they still owe me from a refund. Until i am returned my money they took and i never received a product or service for or allow me access to my account i will not lay them another cent.