23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX Date of Late Payment XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : The reported late payment for XXXX, XXXX, XXXX and XX/XX/XXXX are incorrect. My payments were made on time, as confirmed by my bank statement ( attached ), which shows that the payment was processed and cleared before the due date. 
Clerical Error : There appears to have been a clerical error in recording the payment. My account history with XXXX XXXX shows consistent on-time payments, and the sudden report of a late payment does not align with my payment behavior. 
Extended Processing Time : The payment was made within the grace period provided by the creditor. However, due to an extended processing time on the part of the creditor, the payment was erroneously marked as late. This delay in processing should not negatively impact my credit report. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I filed for removal of my PMI because I have met all terms required ( no missed payments, reached 80 % of my LTV, value of house did not decrease ). I was turned down because they said the value of the house decreased according to the AVM. However, it did not decrease : - Sale Value : $ XXXX - Original Appraisal at time of Sale : $ XXXX - Current Appraisal Value : $ XXXX They stated that the value decreased from the original value because the appraisal value went from $ XXXX to $ XXXX. However, the original value is defined as 'the lesser of the sales price of the secured property, as reflected in the purchase contract, or the appraised value at the time of loan consummation '. So the value actually increased from $ XXXX to $ XXXX. This definition is very clearly defined in the Homeowner 's Protection Act and by Citizens Bank. 

I sent 2 letters and called numerous times with no response to my messages. I finally got through to a manager who said they would look into it but that 'their investors define the original value differently '.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> is when I went to XXXX XXXX XXXX to begin my medical process. My medical/dental procedure and plan was organized by XXXX XXXX XXXX with a Lifetime XXXX  Guarantee. XXXX filed for bankruptcy XX/XX/year> and no longer provides services. I was medically abandoned. Healthcare Finance Direct has been trying to collect payment for my account for a service that NO longer exists. I've paid {$690.00} to XXXX XXXX XXXX and Healthcare Finance Direct in total. 

A similar company called XXXX XXXX XXXX Retainers contacted me via text as they were 'partnering ' with XXXX  XXXX XXXX to offer me retainers with my medical history on file. I believe this is another manner which these companies are attempting to collect payments for promised services they no longer provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX via the XXXX XXXX website on XX/XX/XXXX, about missed payments on my XXXXSANTANDER account. 
I phoned Santandar on XX/XX/XXXX and asked the agent could you please remove the four missed payments that occurred in XXXX. The account is now paid in full and on time in line with the financial contract ; the agent placed me on hold and reverted back after some time speaking with the accounts department and kindly said they would remove the missed payments in XXXX as the account is paid off in full. I thanked the agent for being very understanding and thanked her for her time. 
I received the update from the XXXX investigation on XX/XX/XXXX, with no changes. 
In XXXX I submitted a complaint for the four missed payments that were reported in error when I set up a payment arrangement due to covid, which I completed and brought the account up to date. I don't understand why they can not be fair here and remove these missed payments when I was in full communication with the agent in XXXX ; this was not my error due to lack of communication. Also, as stated in my previous complaint, the agent said she made notes and assured me everything would be fine ; hence that was not the case, as I was punished with late payments on my credit file. Recordings are made during customer calls, which is why this is not fair as they should investigate ; however, nothing has been rectified, and the truth is not being brought forward. As a customer that followed through with my words to the financial institution, they are not being fair. 
It's very disappointing and discouraging.
Product: Debt collection

United Consumer Financial Service is trying to collect on a debt for so called house alarms that only cost XXXX and they charged XXXX for them. This was flat fraud on people who do n't know better. XXXX XXXX is a collection agency for them also and has sent multiple letters.The company that comitted the fraud is out of Missouri. But not sure of the address.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Final Request for Correction of Credit Information Before Formal Complaint Dear [ XXXX ] : I am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account number Re : Account XXXX XXXX Despite my previous letters dated [ XX/XX/XXXX ] and [ XX/XX/XXXX ], I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least XXXX  days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation. 
Details of the affected payments are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If the necessary corrections are not made within XXXX  days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : CFPB FTC States Attorney General
Product: Debt collection

You will see that below I have submitted all the information necessary. I had a loan out eight years ago for a medical equipment device, and I felt very XXXX XXXX XXXX. I was unable to repay it. That was XXXX years ago. I went into court, although I was XXXX with a XXXX XXXX on XX/XX/XXXX and, the court papers said that I was a no-show. I then negotiated with XXXX and XXXX later on a year later after being spun around from XXXX XXXX that they were a credit repair service and would a 100 % undoubtedly be able to remove this collection from my credit report and unfortunately they were not yet able after a year they seem to have taken over {$1200.00} {$200.00} per month for six months //from me which couldve been towards the actual principal, nevertheless I go to pay them the agreed amount XXXX in XX/XX/XXXX as you could see in the picture and XXXX on XX/XX/XXXX they are reporting that I am defaulting regardless of payment now this is upsetting even more so that not only am I in collections, but the actual people that are supposed to collect the amounts XXXXXXXX XXXX no longer answer their phones no longer answer their emails and there is no way for me to pay back the law firm and then law firm to pay back a very scrupulous XXXX XXXX
Product: Mortgage

My suspicion is that there is a deliberate scheme by Stonegate Mortgage of intentionally reducing mortgage payments to starve clients escrow accounts thereafter essentially guaranteeing a high probability of refinancing, hence refinance fees and charges. My case is as follows. 
1 ) Original payment from XXXX XXXX was set up at {$1600.00}. This payment would cover your Principal & Interest, Hazard Insurance, Mortgage Insurance and Property Taxes as were estimated at time of purchase. 
2 ) Stonegate changed ( reduced ) my monthly payment ( intentionally? ) and now I have a problem : ESCROW SHORTAGE of {$5200.00} 3 ) Stonegate is thereby increasing my escrow XXXX % and my total monthly payment XXXX %. 
4 ) Essentially forcing to consider refinancing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud and their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations..
Product: Credit card or prepaid card

Citibank closed my Sears credit card account without warning, and they sent no notice after closure. They allowed me to continue thinking that the account was open and available for use. When a purchase with my card was denied, I discovered the account was closed. According to customer service the account was closed for inactivity. Inactivity is a particularly poor reason to close an account that only works at a particular department store. How often must someone shop at Sears to keep their account active?
The problems : 1 ) Citibank issued a card with an expiration date, but did not honor it up until the expiry. 2 ) Citibank 's term  s of service ( " ToS '', as of  XXXX  ) did not define account dormancy, thus failing to inform clients on account usage.  3 ) Citibank  's ToS reserves the right to give no warning prior to account closure. While withholding a warning may be appropriate under some circumstances, it 's abusive to give no warning in the case of dormancy clos ures. 4 ) Citibank  did not give notice of the closure after the fact, and the ToS does not give Citibank the right to withhold that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I ordered an XXXX video game system from XXXX using the XXXX XXXX XXXX XXXX XXXX, which is a payment plan where you pay a monthly fee over XXXX  years to pay off the XXXX and get access to their subscription service ( it's like a phone plan ). I received the XXXX, but it stopped working within a few days. XXXX had no replacements available so I had to return it. I mailed the device back on XX/XX/XXXX, which was confirmed by XXXX. On XX/XX/XXXX, I received an e-mail asking from XXXX XXXX  ( which administers the XXXX XXXXXXXX XXXX  ) asking for payment. I called them and explained the account was cancelled, and sent them documentation vial e-mail on XX/XX/XXXX. On XX/XX/XXXX, I received a statement showing no balance was due. 

On XX/XX/XXXX, I received alerts from my credit card companies that my XXXX XXXX had declined significantly. I checked online and saw that XXXX and XXXX said that I had a delinquent account from XXXX XXXX XXXX, reported in XX/XX/XXXX ; I checked the details, and it doesn't indicate any amount due and doesn't say missed payments or anything like that. I filed disputes with XXXX and XXXX, but I have not heard anything. I've been trying to call XXXXXXXX XXXX XXXX, but the people I've talked to don't know how to fix this. My XXXX XXXX has gone down by XXXX points for literally no reason!
Product: Credit card or prepaid card

My applications for Apple Card by Goldman Sachs have been repeatedly denied because they have claimed that they are not able to verify my identity. 

Following my initial complaint with the Consumer Financial Protection Bureau, Complaint ID # XXXX, the company, Goldman Sachs Bank USA ( the Bank ) , first offered me a 14-day period to reapply for the Apple Card by email on XX/XX/XXXX. I received a call the following Day on XX/XX/XXXX from Apple Card support notifying me of their invitation to reapply. I was not interested in reapplying for the Card on XX/XX/XXXX, and so the Bank, moved to close our case with the Consumer Financial Protection Bureau the following day. 

The case Complaint # XXXX should not have been closed because the issue has clearly not been resolved. My 14-day period to reapply has been effectively reduced to 2 days. I have since reapplied on XX/XX/XXXX, and today, XX/XX/XXXX, was denied the Apple Card because the Bank is unable to verify my identity.
Product: Mortgage

I received a loan modification through Bank of America. The balance at the time was approx, {$88000.00}. 

After the loan modification, my balance increased {$30000.00} approx. I want to know why this significant increase. I was told that if I didn't sign the forms that I would lose my home and I don't have any place to go. I'm XXXX, XXXX and low income so I feel like Bank of America is discriminating against me because of it. my remedy is to do the loan modification without the {$30000.00} addition. also please explain the {$30000.00} addition.
Product: Checking or savings account

I went to a Chase branch to open an executive account with two checks greater than XXXX In XXXX of last year. While there, a nice lady helped me, and she insisted that I switch my account to a premier checking account and that all fees would be waived because of the balance. Well since then, I have nothing but serious headaches with Chase. I believe this was done in fraud to help boost their monthly metric or goals for new account conversions. Ive been getting billed each month a monthly fee of {$25.00} and Ive called Chase over a dozen times, I even made an appointment to visit the branch and speak with a manager and he advised me that he could waive a portion, and assured me that my account was merged correctly. During this conversation I was still on the line with a manager from customer service. I left feeling confident that my issue was resolved. Next month comes and I get another monthly fee, and the initial request for the previous fees were denied. This does not protect my rights as a consumer and I dont feel safe with Chase any longer. Im considering hiring a lawyer. People should have a peace of mind when banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Investigation Request to Delete Unvalidated Credit Accounts and Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I will also request that you provide proper validation of all said debts by providing all documentation that shows by wet ink signature so if need be I can file all proper FRAUD affidavits with the FTC. 

Re : ACCT # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), such as I owe {$960.00} or my account was seriously past due and assigned as a collection in the amount of {$960.00} ]. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 


I AM ALSO DEMANDING COMPLETE VALIDATION OF THE ALL INQUIRIES LISTED BELOW, PLEASE DELETE THESE UNVALIDATED INQUIRIES IMMEDIATELY : XXXX XX/XX/2020 EQUIFAX MORTGAGE XXXX XXXX
Product: Checking or savings account

This is a new issue as of XXXX but there is more to it than just a late direct deposit. PNC bank is not giving any information about my ACH deposit not being available today. I have other LOCAL banks and the deposits are there and available but my PNC account deposit is not credited. When I called the bank 3 times after they opened at XXXX XXXX XXXX they keep indicating that there isnt an issue but I work for a large company and other PNC customers and other large banks have no deposits posting. This is an issue that needs to be looked into immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX payments were posted to my Truist account in error. I had forgotten the autopay on my account and erroneously made an extra payment. 

Truist ultimately processed both payments on my account on XX/XX/XXXX and XX/XX/XXXX ( autopay ). The XXXX payment resulted in an NSF due to the XXXX payment having already posted. 

I proceeded to call Truist ( on or about XX/XX/XXXX ) to request a refund of the SECOND payment made on XX/XX/XXXX since the XX/XX/XXXX payment already posted to my XXXX XXXX account. The agent assured me that the SECOND payment made on XX/XX/XXXX via autopay would be CANCELLED. Ultimately without my knowledge, the agent reversed the XX/XX/XXXX payment and cancelled the autopayment as well, which was not what I asked her to do. 

I never received any notification via text, email, or letter that there was no XXXX payment posted. On my end, I received XXXX refunded payment, as expected and requested. I was under the impression that the auto payment was refunded. On my XXXX account, it showed as if XXXX payment had posted to my mortgage. 

On XX/XX/XXXX I received notification that my credit report had a 30 day late mortgage payment from XXXX for the month of XXXX. I immediately called and spoke to an agent, XXXX, who reviewed the notes and confirmed that the prior agent actually CANCELLED/REVERSED the first XXXX payment on XX/XX/XXXX AND also cancelled the autopayment on XX/XX/XXXX. This SERVICING ERROR RESULTED IN NO PAYMENTS FOR THE MONTH of XXXX which was never my intention. As you can see via my XXXX XXXXXXXX statement, two truist mortgage payments posted with only ONE reversal. It was my understanding that the one reversal was for the autopay payment made on XX/XX/XXXX and that my payment made on XX/XX/XXXX posted to the loan and my monthly payment was satisfied. Upon being made aware of the agent 's error, I immediately paid another mortgage payment on XX/XX/XXXX to satisfy XXXX and bring my account current. 

I then submitted a credit dispute from with Truist on XXXX at the direction of the agent I spoke to. I did not receive a notification that it was received so I sent another dispute from on XX/XX/XXXX. I called into Truist on XX/XX/XXXX to obtain resolution. The agent proceeds to tell me that the XXXX dispute was received and denied. Stating that all payments posted correctly and there was nothing Truist could do. I am appalled at the blatant poor customer service and inefficient staff at Truist. I have never missed any payments on this mortgage. The agent 's error and lack of notification by Truist resulted in no payments posting. That is not my error. That was never my intention. I never requested a stop pay on any payments. I clearly asked for auto pay to be cancelled. That was my only request since my XX/XX/XXXX payment had posted/cleared. 

Please correct this issue and update my credit report.