23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have 3 cards from this company. A fourth from work. This company has literally gone after me for my occupation XXXX XXXX XXXX and because they are a pos company. 

1. I was refused travel card priveleges due to late payments while the agency was new. IOW the my delinquency which shut off my access to the card and ability to travel was largely due to the travel Dept, for which you XXXX XXXX and the then cfo asked for adjustments, which was denied. 

2. I am now in a XXXX status with no regular income. The bank, upon request for help, froze payments, closed my card, eliminated my XXXX ' access, eliminated my citi app access, adjusted my repayment amount 'on paper ' and refuses to send me a new repayment agreement after I told them I could not find my original. I asked for reinstatement of electronic monitoring ( XXXX and citi app ) which they declined. 

3. They use aggressive tactics that take advantage of my weakened cognitive functions due to my XXXX, forcing me to agree to terms that are unlikely to be filled. 

4. They refuse to resend me copies of my new repayment agreement. 

5. I don't understand how this behavior is legal and / or acceptable. This company is being extremely abusive and ruining what's left of my life by ruining my credit. 

I have no income and trying to get XXXX from the cfpb and from social security. I can't get unemployment. How am I supposed to pay bills or survive?
Product: Debt collection

Hello. I am writing in regards of ARS who refuses to validate a XXXX that is in question. This company has reported this unknown debt to ( XXXX XXXX XXXX. and XXXX credit reporting companies ) which has tarnished my credit. I was recently denied for credit and this unknown debt is causing me much stress. Date XX/XX/2020 the amount is XXXX. 
Thank you.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

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

Was alerted a year later then was never contacted after calling billing company
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Equifax disputes of inaccurate and incomplete information asking them how they verified the information on my credit report on XX/XX/XXXX and got no response. I then sent another letter on XX/XX/XXXX notifying them of non-compliance of the law that requires them to respond within 30-45 days and asked them to delete the innacuarte and incomplete information based on non-compliance and did not get a response again. I pulled my credit report and the inaccurate and incomplete accounts are still reporting. I then called Equifax and they claim they never received the dispute letters after they confirmed I had the address correct. It seems Equifax is refusing to investigate and can claim they never received the letters to get around the law. Equifax has a complete disregard for my consumer rights and is blatantly breaking the law.
Product: Credit reporting or other personal consumer reports

Did not properly investigate and was improperly reinserted back on profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I co-signed for an apartment for my my mother ( XXXX XXXX XXXX ) in XXXX and in XXXX was moved into assisted living. Prior to moving out we contacted the management company to advise them that her medical condition would not allow her to live alone any longer. The manager and our family settled on a move out date. She moved out and we had no issues, notices, or contact from the management company until almost 2 years later, now saying she owes a month 's rent. The rent was paid per our move out agreement and there was no money owed. Contact person was : XXXX XXXX | XXXX XXXX XXXX  XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Tel : ( XXXX ) XXXX | XXXX Mother : XXXX XXXX XXXX Myself ; Cosigner : XXXX XXXX ( now XXXX XXXX )
Product: Debt collection

I contacted XXXX several times to get a copy of a bill they sold Jefferson capital! They refused to give it to me bc they did the debt! Jefferson capitol wont give me a copy either after several attempts to get it! Every time I disput the account they change the opening date and date of XXXX late payment! I had XXXX from XXXX when I switched and took my numbers with me and XXXX XXXX XXXX bought out the contract! Jefferson capital claimed I was in late by XX/XX/XXXX before the dispute they claimed I was late as of XX/XX/XXXX even tho I didnt have. XXXX in XXXX! They keep changing the dates on my credit report every time I dispute the bill as not mine and refuse to remove it or supply copies of what I owe even tho its not mine
Product: Credit reporting or other personal consumer reports

XXXX  XXXX bank/credit card id theft and they put my address on id theft card account so they cant remove off credit report that's fraud from XXXX  XXXX bank / credit card data breach
Product: Debt collection

This complaint is for Toyota Motor Credit. Account information : Number XXXX, date opened XX/XX/XXXX, original balance {$16000.00}. 

Toyota is to contact the appropriate credit agencies and have its negative credit marks reported on XX/XX/XXXX and XX/XX/XXXX removed from my account. The late payments were due to an online banking technical error, despite my intent and ability to pay on time. I also have prof from a third party company that was supposed to make the payments. 

I have been a customer a Toyota leasing customer for the past seven years, having leased multiple vehicles over that time period. Upon commencing my initial lease in XXXX, I set up bill pay at through my account at XXXX XXXX XXXX so that all payments would be made in advance of the due date each month. I continued this practice for all subsequent leases. 

All I want is a fair solution to my case. I am willing to provide proof from the third party company that was enrolled on Toyota. I am in the process of getting a letter from them. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

some one was able to add themselves to 2 of my XXXX XXXX cards in XX/XX/2017. now equifax put back one of the account on my credit report after it was removed in 2017. They seem to have a very poor and faulty reporting system. 

I called them in march of XX/XX/2017 to remove this person from my account, and there after they allowed charges to continue on the account after i request this fraudulent person be removed from the account. 

By XX/XX/2017 after the account was closed i had a credit balance on the account.. 

Between XX/XX/2017 and XX/XX/2017 i spent son many time and money to fix this breach, and now they are showing bcak the card on my report as a charge off. 

This is totally unacceptable, i need them to correct the error they are reporting. they are also reporting my td bank as closed when it is open. 

Why are they still allowed to be in business? They are totally not a reliable source of reporting. 

I need to file a claim against them
Product: Mortgage

My father XXXX XXXX purchased a house for me in XX/XX/XXXX. He passed away XX/XX/XXXX. I am the representative of the estate and the house mortgage is now through Nationstar. Apparently they loss the documentation saying I was the representative of the estate and turned off m ability to make payments on account. I have tried to make payments numerous times as well as my wife. I have called and left messages with XXXX XXXX my account rep. and not return calls concerning this matter. I send in paperwork pertaining to certain issues and they lose after receiving it or say they never got it. Two days ago is when I found out talking to Nationstar that they said they had no paperwork on me as being the representative on my dads estate. Talked to them today and now the paperwork has shown back up. In all this has me in the rears on my payments by 5 months and threatening to foreclose on my house. Now they are saying I cangive them almost {$3000.00} plus lawyers fees to keep my house. My XXXX payments only come to about {$1300.00} which I have been trying to pay and catch up. If Nationstar ahd not screwed up my account like this I would not be behind in payment. The mortgage use to be with XXXX XXXX XXXX and they also lost the paperwork and tried doing the same thing. After my lawyer XXXX XXXX contacted XXXX XXXX XXXX about this matter and they corrected it. Nationstar has not tried in anyway to help all they want to do is take my house. My wife is on XXXX and me trying to do everything and now to try to come up with {$3000.00} to probably {$5000.00} to pay them is ridiculous. I am at my whits end and dont know what to do.
Product: Debt or credit management

I have not been late in paying any of my debt obligations in the past XXXX or XXXX  years, I have paid my debts before the due dates. I asked for a explanation as to why my credit score has been stagnated in the same way for the past XXXX  years or so. I closed an account for XXXX, and at the same time an account was paid off for XXXX, which increased my income to debt ratio by at least that amount, but still my score has stayed in the same margin. I have researched the variables that are that are set by the reporting agencies and I feel that my score should be much better than it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a debt reported on my credit report by XXXX XXXX XXXX According to my credit report, I owe them an outstanding balance. However, I would like to clarify that I do not owe any money to XXXX XXXX, as I have never signed agreements with them or received any loans or services from them. 

For your reference, my personal information is as follows : Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Debt Information as it appears on my credit report : Creditor : XXXX XXXX Account Number : XXXX Amount Owed : {$1400.00} As mentioned, I do not know about any business dealings with XXXX XXXX, and I have never signed any contracts or agreements with them. I suspect this debt may result from an error or even fraudulent activity. Please investigate this matter and remove the XXXX XXXX debt from my credit report if it is inaccurate or invalid. 

I am attaching a copy of my driver 's license as proof of my identity and address. I also request that you send me a confirmation letter once this investigation is completed and any necessary updates have been made to my credit report. 

Thank you for your prompt attention to this matter. If you require further information or documentation, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Consumer Loan

The company does not listen to repeated request to not contact me at work. They will call me on my cell phone and on my work line just to keep forcing the issue. This has been happening for about 2-3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with this Credit Agency in regards to this Bankruptcy that is being reported on my credit as " Verified As Accurate '' On XXXX XXXX I personally contacted the bankruptcy court myself and spoke with XXXX who is the XXXX XXXX XXXX at XXXX XXXX est. She made it 100 % clear to me that they do not report anything to the credit Bureau and nothing is on file with them Confirming anything with the credit reporting Agencies. XXXX then stated that they do not report anything to Experian, XXXX nor XXXX! Please Take it Upon yourself and contact them at XXXX. The number that Experian provided to me to contact the Bankruptcy court was also incorrect. I am tired of being lied to stating that the information was verified as accurate when it IS NOT. I want this Removed IIMMEDIATELY because you are not verifying this information with the DIRECT CREDITOR!
Product: Credit reporting or other personal consumer reports

Please delete the late payment status in this account account Name JPMCB AUTO FINANCE account number XXXX Balance : {$33000.00} Date opened : XXXX XXXX, XXXX  I tried to fixed it so many time still not receiving any response from the 3 credit bureaus. They always refuse my letters. Please delete now!
Product: Credit reporting or other personal consumer reports

I have my credit frozen on Experian and I didn't have the pin to unfreeze it. 
I tried to create an account on Experian website to unfreeze it in the past week ( last week of XX/XX/year> ). But they either tell me there's a system error or they can not verify my identity. There's a phone number they told me to call. I tried calling many times but the automated system could not unfreeze my credit for me and told to to go to the web. So I am stuck in the loop and can not unfreeze my credit. 
I also submitted my documents separately on the website to proof my identity but haven't gotten any confirmation or updates. 
There's no way I could reach a human being for help.
Product: Mortgage

I have a complaint regarding the loan process for our cash out refi with Loan Depot. The initial loan estimate was inclusive of a XXXX point lender credit, with a locked interest rate. This lender credit was taken away during the pending approval process, outside of the legal time period. 
The appraisal did not come back as high as anticipated, so the loan value was adjusted. We requested a little time ( a week and a half ) to decide if we were going to pursue the loan with Loan Depot. During this time period, my loan officer 's boss ( XXXX XXXX ) contacted my and tried to pressure me into deciding before I was ready, as I was " costing him money since the funds were being held for our loan. " I told him to leave the loan as pending, and I would decide next week ( still well with my locked period and giving ample time for the underwriters to review ). It was them he called my husband, pressuring him to decide for us and essentially taking a condescending tone toward me. 

We did decide to go ahead with the loan. Hours after I told the loan officer, XXXX XXXX, XXXX XXXX closed out our original loan and opened a new loan, revoking the XXXX point, costing us another {$1500.00} in closing costs. When I asked the loan officer, she said she would ask to get that credit back on. It took 4 days to get back, and she said her boss ( XXXX XXXX ), and his boss both said no. I asked as to why, and I was told the LTV ratio changed from 75 % to 80 %. This was not the case, as the initial anticipated value of the house was XXXX to XXXX and the initial loan was for XXXX ( this is not an LTV of 75 % ). When I pressed her on this, she then said there " was no margin, '' but wouldn't explain further. I asked for all of this in writing in an email, but she declined. 

There is no legal, valid reason for the credit to be removed. The lender was outside of the legal time frame to make adjustments ( 3 days ). Our appraisal came back on XX/XX/XXXX. The updated loan estimate ( and removal of the credit ) was sent on XX/XX/XXXX. All of this is documented. We were advised from legal that there is a time period that adjustments to credits and points may be made, and that this was well outside of it. 

This was bait and switch pricing, and it was poor.
Product: Checking or savings account

The Navy Federal Credit Union ( NFCU ) mortgage department made an escrow adjustment and transferred the credit to my savings account. Then the mortgage department attempted to apply the adjustment as a payment and before they could, the NFCU Charge Off Department XXXX  my savings account out due to a past due closed debt. I was reassured multiple times by the mortgage department that escrow are protected funds and that they could not be touched.
Product: Mortgage

PNC Bank assumed from XXXX XXXX ( of XXXX ) the existing mortgage on my home as of XXXX. All documentation, minimal as it was, provided to me indicated that all financial and legal information, including titling and locality, were correct. The exact same payment terms, amount and apportioning to principal, interest, and escrow for payment of quarterly real estate taxes ( to municipality ) were represented. Subsequently, for the XXXX, 2024, taxes billed and due in XXXX, 2024, were not paid. No notice was given. The next PNC statement clearly showed the continuing receipt of funds for escrow, but payment was not made. Subsequently, for the next quarter of the year, the municipality in invoicing for the quarter also showed the unpaid taxes as well as the assessment of interest and fines according to XXXX Law. I twice attempted to discuss this by telephone with PNC Bank even on the second call requesting a supervisor or XXXX but they refused to discuss this and actually terminated the calls. 
>
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Creditor Name : LVNV Funding LLC Amount Claimed : {$7400.00} Date Opened : XX/XX/year>2022 I have no knowledge of this company, nor have I had any debt in the past XXXX  years subject to my name. This company has fraudulently opened debt that is older than XXXX  years subject to XXXX  state limitations for debt collection, this company has also went to court and obtained fraudulent judgment on me which is illegal, I was not provided any evidence of their claims nor was I given proper documentation for representation I court since judgement was given without proof of evidence nor my presence or knowledge.
Product: Student loan

I received a letter in the mail from the new federal Student Loan collector MOHELA stating faulty information about my new monthly payments under the new SAVE plan. This payment plan had me listed to pay 2x than I was paying XXXX 

I am fortunate to be too poor to afford this new amount/payment plan, so I called and complained about the new payment plan. MOHELA had no record of them sending the letter, and the stated the payments were not correct. MOHELA stated that they had no records in their system indicating I would ever have to pay the amount that I was notified by mail to pay. 

While the company was able to rectify this issue for myself, giving me a correct payment plan that is {$130.00} cheaper than what was stated on the letter, I am deeply concerned how this system is being handled by MOHELA. One major companys, mistake, may jeopardize the livelihood of other households and incomes. 

Can someone please please please look into this? My concerns are not for myself, but I am the oldest of XXXX XXXX XXXX XXXX, and work XXXX hours of a nonprofit. I do not want to see any of my siblings or in-need clients struggle with similar stressful faulty information.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I obtained a payday loan from Advance America. On the same day, I requested that the representative at the Advance America branch change my due date to XX/XX/XXXX However, this request was unsuccessful. 

On XX/XX/XXXX, my bank account was debited for {$300.00}. I had no funds available in my account because I do not receive my paycheck until the XXXX of each month. Additionally, the XXXX of that month fell on a holiday, necessitating my visit to a branch the following business day to make my payment. 

Upon arriving at the branch, I was charged a {$15.00} fee for insufficient funds. Despite receiving my paycheck on the XXXX of each month, the XXXX of XXXX fell on a holiday, and the XXXX XXXX location was closed during that period. Consequently, I was unable to make my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX  XXXX Balance : {$17000.00}, XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$230.00}, XXXX XXXX Balance : {$570.00}, XXXX  XXXX XXXX Balance : {$210.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}