23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Got behind on mortgage payment in XX/XX/XXXX Called and had a deferment plan set up for 2 months The deferment was suppose to be for XXXX and XX/XX/XXXX We paid the XXXX XXXX XX/XX/XXXX payment and have not missed a payment since XXXX of XXXX During the agreed deferment that was signed in XX/XX/XXXX XXXX pandemic took effect We faxed the deferment agreement but the office was closed because of the pandemic We were advised to send to another office that was open We did this So XXXX and XXXX was deferred as far as our agreement We received a notice saying because of covid we could pay no payments or partial payments until XX/XX/XXXX We did not send in any partial or late payments We paid our full payments early or on time In XXXX I called Rushmoore as our mortgage statement said we were two months behind I explained the deferment agreement that had been signed They then told me that no investor at this time was offering the deferment plan I explained that this was done before the pandemic I have had no success getting this problem resolved I finally talked to someone who went back and checked all of our communications She stated that in XX/XX/XXXX that we were given a 1 month deferral for XXXX I explained we had payed XXXX so no deferral was needed Finally after many months of trying to straighten this out I am now told that we did not get a deferral for XXXX and XXXX only for XXXX This still means I am 1 month behind This is not right I have the signed agreement that was agreed upon How can Rushmore do this? I have the signed agreement and faxed copy ( dated ) proving this was our agreement Just because Covid slowed or stopped their business operations I should not be penalized I have spent many hours on the phone I even sent in a copy of the agreement I will not answer any calls from them anymore Rushmore has my contact email this is the way I have told them I want to communicate I will not answer any phone calls as I need to have in writing what is being told to me
Product: Credit reporting or other personal consumer reports

Filed Disputes : XXXX, XXXX, XXXX - Telephonic Disputes, Written Disputes - Electronic Disputes Inaccurate Balance / Inaccurate Late Payments XXXX XXXX not given authority to submit any personal information regarding any history without my consent. 

15 USC 6802
Product: Debt collection

My name is XXXX XXXX, I received a copy of my credit report and there was a collection listed with Aargon Agency for a rental property that was a few years ago. I had gone to court with the rental company and there was an agreement made. I originally disputed the information with the bureaus assuming the bureaus had it wrong but they said they verified the amount. I then sent a letter directly to this collection company asking for detailed information and I have not received anything back and it's been a month. How are the bureaus able to report something and I can't even get information for it?
Product: Credit card or prepaid card

I received several promotional offers for 0 % APR on certain purchases with Home Depot ( I believe the card is issued by Citi ). When those promotional balances came due, I designated the promotional offers that were expiring to be paid prior to their expiration date of XX/XX/XXXX & XX/XX/XXXX ( this happened on consecutive statement cycles ). On the online banking system, they showed as having a {$0.00} balance 4 days prior to the due date (XX/XX/XXXX & XX/XX/XXXX ). However, when the next statement cut, I received all the deferred interest charges because the bank applied my payment amount to different promotional balances. By doing this, the balances that were expiring were technically not paid off because part of the payment was allocated to a different promotional balance expiring in the future. As mentioned, this happened in consecutive months. I had two promotional balances expiring in XXXX in the amounts of {$170.00} and XXXX for a total of XXXX. I made payments during this cycle with a total of {$790.00} ( which more than covered the expiring promotional balances ). However, my payments were applied across three different balances. The first balance of {$170.00} was paid off. However, only {$420.00} was applied to the expiring balance of {$570.00}, and the remaining {$200.00} was applied to a promotional balance expiring in XXXX. This left a remaining balance on the now expired XXXX promotional balance. As a result, I was charged {$200.00} in deferred interest incorrectly. I had one promotional balance expiring in XXXX for a total of {$2000.00}. I made payments during that cycle with a total of {$2200.00} that again more than covered the promotional amount. However, only {$670.00} was applied to the now expired promotional balance, and the remaining {$1600.00} was applied to a promotional balance expiring in XXXX. This resulted in a deferred interest charge of {$1800.00} being incorrectly assessed. The bank did reimburse the interest fees, but only after hours on the phone with them. This type of behavior certainly qualifies as unfair and deceptive, so it is definitely a UDAAP violation. I would imagine it also violates Regulation Z. I am now paying off the last promotional balance with this card, and I can already tell that I will have to go through the process again of having them reimburse another interest charge based on how it looks like they processed my most recent payment online.
Product: Credit card or prepaid card

On XX/XX/2020 I was in my XXXX XXXX app and i saw a credit card advertisement from citibank for their double cash credit card. The offer states that there is 0 % APR for 18 months. I applied for the card and was approved. I received the disclosure in the mail 2 weeks after. The disclosure states that the 0 % APR only applies to balance transfers and that the regular APR for purchases is 23.99 %. This was not what was advertised to me and the sole reason i applied for the card was the 0 %. i called the institution on the day i received this and was told that there is nothing they can do as I should have read the " fine print ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is showing a past due balance on credit card account, which was closed over seven years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Credit card or prepaid card

RE : BARCLAY CREDIT CARD : A tow company charged my card {$60.00}, after the charge was paid by a third party. I contacted the credit card company. They did not issue a provisional credit, nor did they send any type of form, so that I could submit further information. I called the credit card company back and was advised that the group would get to it when they get to it. The credit card company contacted the merchant, and took the word of the merchant that the charge was legitimate, even though I, their customer, advised it was not. I then received correspondence stating the charge was, in fact, legitimate and that I had received a service. I, again, telephoned the credit card company to state that their correspondence was incorrect. I was then asked to send anything showing that the third party had taken responsibility for the charge. I faxed the email proving the third party had taken responsibility for, and paid, the charges. A few days after sending the proof to my credit card company, I received an alert from a credit monitoring service showing the credit card company had reported the dispute as resolved. Again, this was reported AFTER it was requested I submit further information ... RIGHT after. I then emailed the CEO, as well as another executive within the credit card company. I have received NO response from either party, or anyone on their behalf. I also contacted the credit card company via XXXX, twice, and they provided no help, with non-answers. Promising to assist, the company advised, via XXXX, that they found my account had previously been noted. This, of course, was of no help. 

In addition, the charge was not even for my vehicle. The correspondence from the third party paying the charge stated it was my vehicle, but it was not. I was merely involved in assisting the party whose vehicle was mistakenly taken by the tow company, which is why the third party paid the charges. I thought the credit card company was supposed to be looking out for me, as their customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681 THIS ACCOUNT SHOULD BE DELETED. THIS IS A DEFAMATION TO MY CHARACTER. I AM TRYING TO PURCHASE A HOME AND THIS IS EXTREMELY DETRIMENTAL TO MY PROGRESS. TRANSUNION ALREADY HAS A POLICE REPORT ON FILE RELATED TO THIS DISPUTE.
Product: Debt collection

I received a phone call XX/XX/2019 about an old dept that has been paid or is not real. The company refused to give me an address or any details other than the company name XXXX and my caller id got the phone number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally complain about the reporting of late accounts on my credit report, which I believe are inaccurately reflecting my credit history. I have thoroughly reviewed my credit report from your agency and have identified instances of late reporting that I believe require immediate attention and rectification. I have outlined the details of the disputed late accounts along with an explanation of the inaccuracies, the late payment reported on the aforementioned accounts are not accurate. I have maintained a history of timely payments according to the terms and conditions of my agreement with the creditor. I have enclosed supporting documentation, including payment receipts and bank statements, that verify my consistent and on-time payments. I request that you conduct a thorough investigation into this matter and rectify the inaccuracies promptly in accordance with the Fair Credit Reporting Act. I am seeking the correction of the late payment status associated with the mentioned account. I understand that, as mandated by law, you are required to investigate and respond to disputes within 30 days. I anticipate your prompt resolution of this issue and request that you provide me with a written confirmation of the correction once the investigation is complete. In addition, I kindly request an updated copy of my credit report reflecting the accurate and corrected information. Your assistance in this matter is essential to ensuring the accuracy of my credit history. These are the accounts that needs to be correct by the Credit Bureaus : OAG CHILD SU XXXX Balance : XXXX XXXX OAG CHILD SU XXXX Balance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A social security number variation is showing on my Experian Report. It is not my social security number nor any that I have ever used. Because it is not mine I am not legally allowed to view the report.  It may be ne gative and I do not want it showing on my credit report indicating to creditors that it is an alternative that I have used. I do not have knowledge of this social security number and dispute its use in association to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inquiry that was falsely made by Capital One. This credit inquiry was made on XX/XX/2018. I sent a letter to the creditor via certified mail on XX/XX/18 which was received on XX/XX/18, After more than 30 days passing, this company responded to my first letter by sending me a letter that didn't make any sense, It seems like an opt-in or opt-out instruction letter to the bureaus, which doesn't make any sense, I did not authorize anyone employed by Capital One to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Debt collection

ACCESS LOANS IS SHOWING UP ON MY REPORT AS AN ACCOUNT OPENED AND NOT PAID. I HAVE NEVER OPENED UP AN ACCOUNT WITH THIS COMPANY NOR DO I WORK FOR THE EMPLOYER THAT IT WAS CREATED FROM. I DONT HAVE ANY KNOWLEDGE OF THIS ACCOUNT. IT IS NOT MY ACCOUNT. I AM AM WAITING FOR A COPY OF POLICE REPORT. THIS ACCOUNT IS NOT MINE
Product: Student loan

Back in XX/XX/XXXX I was informed that my payments for my loan would increase from $ 25 month to {$140.00} a month because I graduated from college. I understood because my deferment process was over, I knew with my income that I could not afford to pay {$140.00}, so I asked for possible repayment options but because my co-signer makes more than enough money to pay the loan I did not qualify for any lower repayment options. So I then asked to do a co-signer release and my co-signer and i was told that we had to make 6 months of on time payments and my co-signer could be released and this was in XX/XX/XXXX. So we paid 6 month on time payments as needed and when I called back to do the co-signer release in it was a different story, I was told that I could not remove her because she log in to the account and help pay the payments of the XXXX which I myself could not afford which was already explained back in XXXX when they ran my Financial report. In XXXX when I asked about the co-signer release they said nothing about how the payments had to be paid they just stated that I needed 6 months of on time payments. So now I am struggle to pay the XXXX and I get a statement explaining that my payment has increased yet again and I am still unable to get any help paying off this loan. Then I call in XX/XX/XXXX and once again ask for help with repaying this loan and the rep says that if I sign up for automatic debits then I can save 0.025 % on my loan which will bring it down to the XXXX but if the market interest increase then my balance will increase as well and they will take more out of my account. Which I do not understand because I would only be authorizing Navient to take out XXXX not any more than that. Also on this call I asked if I was set up with a variable interest loan why were my interset payments only XXXX from XXXX because if my interest was supposed to be a variable interest it should have always been one. I am a single mother and I have {$70000.00} in student loans not including this one and as well as other monthly bills, I have been paying XXXX XXXX Navient for XXXX almost XXXX years and I still havent reached my principal amount and if the interest steady increases how will I ever reach it?
Product: Debt collection

On XX/XX/2022, I contacted Midland Credit Management requesting for them to validate a debt that they are saying I owe them. I requested for them to provide me a copy of the original contract between the original creditor and myself and also to provide me with a copy of the purchase agreement between them and who they say the original creditor is. As of date they have not provided me with this information they keep sending me letters/statements saying that I owe {$720.00}, that however does not prove to me that I owe this company whom I've never done any business with any money, but they are still reporting on my credit bureau even though they have not been able to proof that I owe them any money or that they have legal rights to collect any monies from me. Your assistance in this matter is greatly appreciated. Thank you!
Product: Checking or savings account

I enrolled in a new checking account with CitiBank as part of a bonus reward program through XXXX XXXX. The terms of the reward program dictated that I sign up for a checking account, set up direct deposit and have at least {$1000.00} worth of deposits made as well as spending at least {$1000.00} in debit card purchases within 3 months in order to receive XXXX bonus miles from XXXX XXXX. I signed up for the account in XXXXXXXX XXXX XXXX and had satisfied all program criteria by the next month, XXXX. I reached out to CitiBank representatives multiple times asking if I had satisfied all the requirements and when I would receive my bonus miles. Well - Every representative told me that yes I had indeed satisfied the criteria. However, some reps told me I'd get my miles within 30 days of satisfying the criteria. After 30 days passed, I contacted them again. This time they said it was 90 days. After 90 days no miles. Nothing. Each time I reached out, a rep told me that they had launched an investigation for me. I contacted them again today, XX/XX/2023, and was told that they didn't know what the deal was and that no investigation had previously been launched. I had been repeatedly lied to. Now it's XXXX and I still haven't gotten my bonus miles and I'm about to take legal action against the bank for luring in customers with false advertising and failure to deliver their promise as outlined in the fine print of the terms of service. I read the fine print and follow the requirements meticulously. They did not live up to their end of the deal and it's absolutely not right. When I asked for a copy of the chat transcipt from my conversation with the rep online, he told me to just copy and paste it into a XXXX XXXX. What? How unprofessional.
Product: Vehicle loan or lease

Been making payments for a year never late! Have been over charged for insurance that they said would be correct since the first payment they asked for proof of insurance on the vehicle. I provided it to them and they still are charging me an fee extra saying I dont have insurance? Now I made a payment on XX/XX/18 for the amount of XXXX and they said they didnt receive a payment. I proved threw the bank, several faxes and emails that they took the payment out of my account. But they said they didnt get it so they shut my car off till I make anouther payment. My bank told me to file a complaint cause the clearly took the money. I have made all payments with the same card for a yr no problem. But now they say no way to trace payment.
Product: Debt collection

I disputed the alleged debt and requested debt validation and purchase agreement as multiple collection agencies have reached out to me about this same debt. They have failed to provide anything other than billing statements from the original creditor. Billing statements is not chair of assignments or the purchase agreement.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I went to carmax to see if I can get a used car, they sent my iformation to 6 companies without my consent, one of them was XXXX XXXX who states that I have opened a new account with them and I never consented to opening a spending account, i have reached out to this company and they said i have to speak to the credit bureau. Car max never asked me or advised me that they will send my information to other companies which now they all have done hard inquiries to my credit and it has droped significally
Product: Checking or savings account

XXXX employee allegedly XXXX XXXX with FNB in XXXX NC Misappropriation of my XXXX funds. I realized in XXXX my monies were not being paid to my bills, credit card etc, phone electric. I was advised I had no money after being paid. I requested my debit card, my account information but was told they dint bank on line which was a lie by this person and also asked for copies and was told I will send them but never did. Accounts since XXXX show Misappropriation of funds to another account ending in XXXX monies to freestyle checking account without my permission not my account never given information on this. Nor, did I give permission to take funds that this XXXX took at her own advantage with access to my personal banking provided funds to herself and spouse. XXXX texted told me her husband knew about all of this when I contacted XXXX XXXX and claims that she did pay my bills. No, they were late and often not paid abd phone disconnected and rent late with monies not paid to credit card on time. Causing my credit to fault XXXX points so far. 
I will attach what I was given after several attempts to her branch and XXXX Asst. Manager and XXXX CSR at branch delays in my person financial information to be appropriately given to me. 
Claims out if town or out if the office unable to retrieve information. 
That's what I got. Delays..
Product: Debt collection

They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! 

Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA!

I request that Jefferson Capitol verify the following information.

1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.

If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs.

Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been sending letters to Equifax since XXXX of 2020 in regards to accounts on my credit I feel were being reported inaccurately. These accounts I still haven't received a response on. 
Three Accounts with no creditor listed- how can this possibly be verified when I don't know who this account belongs to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are still being reported inaccurately on my credit report and I haven't heard back form Equifax after requesting the investigate these accounts and provide verification.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX are reporting inaccurate information on my consumer report. My name is XXXX XXXX there should be no other name on my report if it is delete it immediately it is causing me identity issues which could lead to criminal penalties, my address is XXXX XXXX XXXX XXXX Ga XXXX there should be no other address listed on my report if it is delete it immediately it is not deliverable by the united postal service and it cause me significant loss.
Product: Money transfer, virtual currency, or money service

I recently got my account suspended for no good reason on this company I did a transact of XXXX ( {$5000.00} ) with a friend in the USA in exchange of wire in USD which was successful but a weeks a later I got my account suspended
Product: Credit reporting or other personal consumer reports

am writing to formally dispute and request the removal of an address that is inaccurately listed on my credit report. The address in question is : Address to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C.

1681i ], credit reporting agencies are required to ensure the accuracy of information included in consumer credit reports.

This address is no longer valid and is not associated with my current financial obligations or accounts. 
XXXX