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

In late XXXX, I received my paper credit card billing statement for the Victoria 's Secret store credit card issued by Comenity. The total amount that was due was {$27.00}. I have excellent credit and pay off my credit card balances without the accrual of interest. This card has been no exception since I opened it over 17 years ago. 

I issued a check payment for {$27.00} on XX/XX/2022 and mailed it to the required address along with the payment stub that accompanied my credit card bill. This payment was sent out a day or two after the preparation of the check. However, for some reason, this payment was not processed until XX/XX/2022. 

Because the bill was due on XX/XX/2022, Comenity charged me a late fee of {$27.00} on XX/XX/2022 and a minimum interest charge on XX/XX/2022. 

When I received my XXXX billing statement that should have had a {$0.00} balance on Thursday, XX/XX/XXXX, I called Comenity to complain about the late fees and interest charges as this was not the first time they failed to timely process a mailed in payment and to get the accrued fees removed. However, I could not speak to anyone as the voice recording stated that their were undergoing a system upgrade and to call back at a later time because they were aware of the issues that this system upgrade has caused. Since XX/XX/XXXX, I called on Saturday, XX/XX/XXXX and Wednesday, XX/XX/XXXX, and still have not been able to speak to anyone about my account. I can not even login to my account online to file a complaint due to the system upgrade. 

I never had any issues with this credit card prior to Comenity taking over this account as the issuing creditor. I closed all other store credit cards that were transferred to or issued by Comenity for the consistent issues I have had with them as a creditor. However, I can not close this account due to the impact it would have on my credit history given that this credit card has been opened the longest. 

What is more, I understand the implications of failing to timely pay on a credit card as I am an attorney who has had financial institutions and debt collectors as clients and have filed lawsuits against debtors for their delinquent debt on those institutions ' behalf. 

It is unacceptable for a creditor to refuse to take calls directly from a debtor, especially given the impact of a negative tradeline it would have on my credit report. It is also unacceptable for a creditor to fail to timely process payments when they are received, and it is a consistent issue with Comenity.
Product: Mortgage

Flagstar Bank is my current mortgage bank. On XX/XX/2019 and again on XX/XX/2019, Flagstar Bank charged me a {$30.00} fee after a proposed new mortgage lender asked for a payoff amount on my current mortgage. The two proposed mortgage lenders were XXXX XXXX XXXX and XXXX XXXX. I never agreed to these fees, and I do not think it was proper for Flagstar Bank to charge me with these fees. I contacted Flagstar Bank about these charges ; I asked for these fees to be removed ; Flagstar Bank refused my request. I propose that a fair outcome would be for these fees to be dropped, assuming this was even legal. I think this was unethical at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that this account be verified previously and it was removed from my credit report. I requested validation again and they are ignoring my request. Since when can an account be added back to a credit report with a different name and more inaccurates.
Product: Credit reporting or other personal consumer reports

The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX/XXXX/XXXX need proof of Authorization for these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid off my auto loan with XXXX in full. The loan originated on XX/XX/XXXX. I never had a late payment during the loan. 

Because I paid off the loan and closed the account Transunion lowered my credit score by 41 points and the rating to fair. XXXX lowered my credit score by 39 points. 

As a result of their actions the rates I would be charged on new loans demand a higher interest rate as well as reduce the market for companies willing to loan to me. 

I protested to the companies and was told I was a higher credit risk since I closed the account which lowered my credit rating. 

This is absurd since by paying off the account I reduced my monthly debt by {$550.00} which intern increased my liquidity by {$6600.00} annually. 

I feel they should have done the complete opposite and increased my credit rating due to the perfect history for the loan.
Product: Mortgage

My husband and I purchased a property in FL, using a XXXX XXXX, which was turned over to Seterus , Inc. to service the loan. They have wrongly charged us an {$85.00} fee for an appraisal for a loan modification, which we have never requested. I only contacted them because we had paid the homeowner 's insurance and they had also paid it through escrow. We 've never, ever been late on our payments. This has been going on since XX/XX/XXXX and the fee has n't been removed, even after several phone calls and fax correspondence! We are worried it 's going to harm our credit if we do n't pay it and wonder how many other customers have gotten this same run around.
Product: Mortgage

I've been having issues with Community Loan Servicing , LLC ( CLS ) since they took over my mortgage in XX/XX/XXXX. This is my 2nd complaint with this company. I submitted my 1st complain on XX/XX/XXXX. Although CLS sent me a letter confirming the error on my escrow account, the issue still has not been addressed nor have they corrected my account, as my monthly contribution towards my escrow account hasn't been adjusted. I called them multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again, and XX/XX/XXXX. 

Till this day, I continue to speak with the Customer Service representations who have not been helpful, and have regularly been rude, demeaning and questioning my intelligence regarding this matter, as they can not explain why the monthly escrow payment remains the same ( i.e. they're charging {$400.00} more monthly than they should be. ) My annual property taxes are {$8100.00} and home-owners insurance is roughly {$1300.00} totaling about {$9400.00} per year. Due to their errors and continued incompetence, CLS is expecting me to pay a monthly escrow payment of {$1200.00}, which totals {$14000.00}. That's a difference of {$5300.00} per year and {$440.00} per month. 

Another issue that I'm having with CLS is regarding the payoff amount they mailed me. Per my mortgage modification dated XX/XX/XXXX, the payoff amount is {$330000.00} ( which includes delinquent interest totaling {$15000.00} and escrow advance/negative escrows totaling {$8100.00}. ) However, I'm trying to sell my property, and the CLS Customer Service Representatives have reported to me via telephone on XX/XX/XXXX the payoff amount is {$340000.00}. CLS fails to explain the difference in payoff amounts. 

On multiple occasions, my attorney and I have called CLS requesting the payoff amount via e-mail/fax/mail, and sadly CLS fails to provide the documents to us. I have a closing for this property scheduled for XX/XX/XXXX and as of today, I have not received the documents. I requested the payoff documents on-line in XXXX, I called multiple times in XXXX ( so did my attorney ) and we did not receive the documents. 

I'm all out of options at this point with CLS, and would appreciate if my complaint were accepted and given a thorough review. CLS ' business practices and communications with me have been mentally and emotionally draining.
Product: Checking or savings account

I had an account with fifth third bank in XXXX and XXXX. I overdrafted my account but had the money in savings. They charged me late fees upon late fees then finally took the money from savings. I told them that they cant charge the late fees and overdraft fees when the money was clearly in the other account. They said that they could. I told them to close my account and they said they did. They did not and kept charging me overdraft fees and all other fees. I had to go again and tell them to close it. I was then informed that my total in late fees were now XXXX and something. I told them no you need to look into this and figure out what is going on. I have been talking to the bank about it and nothing has been done. Now i have a lawyers office calling and threatening to report me to the banks so i can no longer have a bank account and to garnish my wages.
Product: Debt collection

I have sent a letter of debt validation to this company to validate the accused debt. This company has failed to validate this debt as requested within 30 days of receipt request. Therefore I have attached a copy of the proof of delivery by the USPS in record that they did receive the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. Experian has placed this on my file and has serious affects on my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 

XXXX XXXX .... 

XXXX
Product: Checking or savings account

I have unauthorized transactions over {$3000.00} under my debit card from XXXX XXXX XXXX I contact the merchant via email about the hacked on my account and provided a bank statement of those unauthorized transactions. I first filed a claim on XX/XX/year> with Chase bank for a dispute about the fraudulent but they did not investigate and denied my claim 2 days later on XXXX XXXX. Not even a temporary credit was given and my account is severely negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus are reporting an inaccurate charge-off account from XXXX. The account has been paid off this account has been settled and needs to be removed from my account expeditiously.
Product: Money transfers

I was in the process of closing in my home, however somewhere in the process either my email or my agents email or even bith were hacked and I got email from the hackers pretending to be my agent and she kep receiving email from me ( neither one of us where actually sending the emails ). I received an email with instructions to wire transfer XXXX USD to an account at the XXXX XXXX Bank in XXXX, XXXX We did not realize what had happened until the closing day which was 5 day after the transfer had happened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FIRST INVESTORS XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FIRST INVESTORS SERVICES XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INVESTORS SERVICES XX/XX/XXXX PALMERS AIRPORT XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FIRST INVESTORS SERVICING XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of EdXXXX is reporting on my CR and have also included late payments that are not correct. Per the latest case Sweet v. Cardona. The XXXX XXXX XXXX University is on the list of schools in connection. Also DepXXXX of Ed/XXXX does not hold a contract with myself and them. There was no written request for me to provide any permission to have this information reported on any Credit Reporting Agency.
Product: Debt collection

Filed identity theft, called the company about it, called the collection company about it, and at this point it was not resolved, and it is still on my credit report, THATS down on my score
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon noticing that an account XXXX XXXX XXXX was reporting erroneously on my credit report, I sent letters to all three Credit Bureaus. I also emailed XXXX XXXX XXXX and sent letters to them. 
Experian, XXXX  and XXXX  all " updated '' this account by deleting payment history but left it in a Derogatory Status without ever providing proof of validation. At the same time, the email responses from the CEO of XXXX XXXX XXXX and an account manager stated no account could be found in my name. Therefore, all three credit bureaus are in violation of the FCRA. I have sent all three Credit Bureaus copies of above mentioned emails with zero results.
Product: Student loan

I applied for the SAVE plan on XX/XX/XXXX and never heard anything. 
On XX/XX/XXXX I got a message about a processing delay saying no action was needed by me ( unless a payment was due ). 
On XX/XX/XXXX I got an email saying my account was put into administrative forbearance. 
Then in XXXX, XXXX, and XXXX payments were auto-withdrawn from my account for my IDR amount. 
There has been no movement on my SAVE application and they took my account out of administrative forbearance. I was never notified of the status.

I called today and was told my application was stalled because they were unsure if my loans qualified for SAVE ( they do ). They escalated the application and put my account back in administrative forbearance. However said that this forbearance will not count towards my forgiveness. It is my understanding that it should count as this is an error on their part.
Product: Debt collection

I paid off a credit card bill several years ago owed to XXXX XXXX XXXX XXXX ( XXXX XXXX ) now anther company has been harassing me and contacting me saying I owe this debt and threatening legal action and saying if I do n't call them back they are going to sue me I told them to send validation of the debt which they are yet to send simply because they are scam artist. They are now calling my place of employment and my cell after telling them not too and that they could only correspond with me through mail and written documentation. As I stated this bill was paid several years ago. A woman has been calling as well as guy pretending to be lawyers
Product: Debt collection

The XXXX law firm is attempting to get money from me for a false claim of unpaid debt with a medical provider, reference # XXXX from their XXXX files. I was initially contacted by XXXX XXXX XXXX XXXX ( XXXX ) XXXX, who attempted to confirm my address and advised the XXXX XXXX, a law firm, was attempting to serve me. 

I contacted XXXX @ ( XXXX ) XXXX XXXX and was advised I had a balance in collections from and unpaid ~ {$5000.00} for a " XXXX XXXX XXXX '' on a XXXX XXXX  2019 medical bill, referred to " XXXX, '' from the original collector. 

The contact person with XXXX is " XXXX, '' email XXXX, XXXX XXXXXXXX. 

I was given the phone # ( XXXX ) XXXX for XXXX XXXX. XXXX XXXX was not my provider in 2019 as they claimed. I have contacted them as well as my current medical insurer, and the surgeon from whom I receive 2019 services and all claimed that this was a false billing, that my accounts were all settled. This appears to be a scam.
Product: Credit card or prepaid card

My GM Rewards Card at Marcus by Goldman Sachs was charged on XX/XX/XXXX for {$470.00} for an item I did not authorize nor purchase, labeled XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX. Upon noticing the charge, I promptly called Goldman Sachs and notified them, and they temporarily credited the charge to my account. Goldman initially denied my claim that this was a fraudulent charge that I did not authorize and conveyed this to me. I asked Goldman for rationale behind why they denied covering my fraudulent charge and they provided information from the merchant, but this fails to show that I made the charge - I didn't and it was unauthorized. From what they told me, this transaction was not in person, and someone stole both my credit card info and personal information. I appealed this decision, and Goldman took a few months to investigate, however they reversed their decision, making me liable for the unauthorized charge notifying me of this decision on XX/XX/XXXX. They asked me for evidence that I didn't authorize the charge, but if the charge is unauthorized and fraudulent, how would I have evidence that it's a charge that I didn't make? That makes absolutely no sense. Upon that appeal, I'm writing to the CFPB. A credit card company should cover unauthorized and fraudulent charges on consumer accounts, and Goldman Sachs has failed to do this. They're asking me to prove the impossible, to prove that I didn't authorize a fraudulent charge - I fail to believe Goldman Sachs makes every customer that has fraudulent charges prove that they didn't make them. ( Dispute ID : XXXX )
Product: Debt collection

I was first contacted by Columbia Debt Recovery LLC DBA Genesis via email on XX/XX/XXXX about a debt they said I owed to a previous apartment I lived in ( XXXXXXXX XXXX  owed by XXXX ). They started calling my number and my husband 's number on XX/XX/XXXX. On XX/XX/XXXX I mailed a Debt Validation Letter via XXXX Certified Mail to their listed address and have confirmation that the letter was delivered on XX/XX/XXXX - in the letter it states " If I do not hear from you in 30 days of the date of the letter, then this matter will be deemed closed '' It also states " Stop all other communication with me and with this address. If your offices continue to attempt communication, other than to validate the debt, it will be considered harassment ''. Lastly it states " If you report it to a credit bureau ( or have already done so ) report that the debt is disputed. '' We stopped hearing from Genesis at this point until XX/XX/XXXX they started calling my husband and I again ( calls on the following dates in XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX ). On XX/XX/XXXX I called back and asked why they keep calling when I sent them a Debt Validation Letter to which they ignored. The person stated " this is a big company and I never got the letter ''. He then resent me the itemized statement via email. On XX/XX/XXXX Genesis reported debt to credit agencies.
Product: Credit reporting or other personal consumer reports

with the 3 credit bureaus on my credit report on inaccurate information. I have sent 3 dispute and verification of debt letters to the credit bureaus of the unverified debt. specific accounts such as XXXX, XXXX, XXXX, and other debt collections have not verified that I owe the debt. The 3 bureaus have not provided me with the documentation that qualifies as verified debt. I have asked for the contracts or purchase agreement information from the debt collectors. Because I have never voluntarily agreed with any of these companies. I have also sent letters to the credit bureaus to remove all inaccurate personal information from my credit report. Including old addresses, telephone numbers, employers, and any other personal records about my personal information. It has not been done at all. I pulled and printed my current credit report as of this date today XX/XX/2024. I've demanded in multiple letters to update the information because the information is incorrect. I have asked for proof under the law proof of the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719. Because no proof of the alleged debt was being provided. My credit report is completely inaccurate and out of date. And they are not updating the correct information. XXXX XXXX
Product: Debt collection

Filed a previous complaint XX/XX/2020 for Discovercard sending a postdated threat of legal action/lawsuit if I did not pay by the postdated date stating in the threatening letter sent to me. I did go on to make payment arrangements with them on the premise that I was told in a recorded conversation that if I had difficulty making this monthly payment that they would work with me. 
When in fact I did need them to work with me because I was trying to get back into the workforce to be able to meet the payments, I was yelled at by a Discover debt recovery representative, and also threatened. 
I have now learned they have a lawsuit pending against myself tbrough XXXX XXXX XXXX. I was not served for the pending lawsuit, or informed or sent a summons to this date of today. 
Discover gave me a phone number to call XXXX XXXX XXXX that is not a working number, and just answers and hangs up, leaving no way to reach XXXX XXXX XXXX. to try to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I refinanced our home. We have the same exact debt with the exception of him owing a few XXXX dollars more then me. This is the second time I have had this issue with Equifax. Equifax dropped my score 20 points but only dropped my husband score 5 points for the same exact refinance loan. My husband is a XXXX  male and I'm a XXXX female. Can I have some clarification why, such a drastic difference in the points??? This shows me that this has to be a form of discrimination. Our scores changed on XX/XX/2020 and XX/XX/2020.Please inform me why such a big difference in points?? I work hard at keeping my scores up and I do understand when you make purchases or refinance your score will change but WHY did my score change so much more then his with the same exact refinance? I had this same issue with Equifax before. Our scores with the other bureaus were very close to the same point system but Equifax has some serious issues with people!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company to dispute a Bankruptcy on my credit report that is not correct. Per FCRA my credit file must be investigated per request. I received a letter stating that the incorrect information on my credit file was verified, but I disagree. I called the court house here in XXXX, and they stated they don't give out court case information to credit agencies. I then contacted XXXX XXXX who the company " claimed '' they validated the information with. XXXX XXXX has no history of the bankruptcy on their file for me either. So my question is how was this certified and verified by this 3rd party company if they have no record of this. This is fraudulent and your incorrect reporting is damaging my ability to get a home. Please remove this inaccurate, unverifiable information from my credit file immediately to avoid escalation to the FTC for various FCRA violations