23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2023 my checking account was brought down to a zero balance without notifying me. It was for {$9.00} and it was removed from a company called Consuegra and Duffy PLLC. 
On XX/XX/2023 my savings account was brought down to a zero balance without notifying me. It was for {$470.00} and it was removed from a company called Consuegra and Duffy PLLC. 
When I logged into my account t I saw that both accounts were at a zero balance and I panicked so then I called XXXX XXXX immediately. I was told by the banker that I needed to contact the law firm that did this to my account and that was all the assistance that she could offer me. Upon calling the law firm, no one answered so I left a voicemail for a callback. Then I went online to the law firms website and created an online chat. I was told by the law firm that the case number I had from the bank transactions were not recognized by their law firm. They could not find my name, nor my Fathers name, and not even my step momss name associated with any account there yet the chat proceeded to tell me that the account is frozen but they cant tell me why and supposedly none of the three of us on the account were even recognized as owners of the bank accounts. They finished the chat by saying that they would call me back but never did. This has been ridiculously frustrating. And extremely stressful to have absolutely no funds for necessary expenses like paying the bills, buying food, and other necessities etc for our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account status incorrect showing delinquent account when it's not Those participating in this fraudulent innacurate reporting. 
XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX Has placed fraudulent, inaccurate information on my credit report. 
after reaching out to the company as well as credit reporters no action was taken. I correct balances have been reported. XX/XX/2022.
Product: Debt collection

I had phone service with XXXX years and years ago. I worked at a company that I did not get service with for the whole time I was there. I wrote to them and advised them that they were not filling their part of the agreement/contract and if I could not get service at my job. I had XXXX other accounts in which I tried to utilize at the job and to my avail they did not have signal either. At that time my contract with XXXX became null and void. I advised that I could have a family emergency or anything that could transpire while I was away from my family and could not be contacted on any of the phones I tried there at the office. XXXX agreed to discontinue my contract with any fees included to be removed considering I had been a previous customer for about 7 years. It was n't a personal decision they could just satisfy my need. They have since taken off the fees and what was owed added them back taken them off and then added them back again. When they add information back to my credit report it is always in a different amount. It went from {$780.00} to {$640.00} and now {$390.00} has been added back to my credit report. I do n't understand how they agreed to have any charges credited from back in 2011 and now every time I lookup there is a different amount being added to my credit.
Product: Mortgage

I am a 100 % XXXX veteran and my VA mortgage is currently with Freedom Mortgage loan number XXXX. A few months ago Freedom re-calculated my monthly escrow amount and increased it and I was not aware. I continued to send in the same amount. They have returned cashier 's checks because the amount was not the full amount and have not processed checks they have received but have held on to. Thus my XXXX and probably XXXX mortgage payment are going to report late. They did receive the funds which covered the principal and interest payments and should have accepted the payment and allowed me to send in the shortage amount of the escrow amount due. There have been headaches since Freedom took over the mortgage in XXXX. 

My credit is now being ruined because of these late payments being recorded
Product: Debt collection

I received a call from Affiliate Asset Solutions XX/XX/XXXX. I was told that I had an outstanding medical bill that was for my Son when he was a minor. I contacted Affiliate last month and made a payment of {$25.00} on XX/XX/XXXX. At that time I also setup a payment arrangement to be processed on the XXXX of each month for the next 6 months. Affiliate contacted me on XX/XX/XXXX and had no record of the payment plan and were harassing me for payment. The representative on the phone even went as far as to say " That's fine Mr. ..., don't pay your bills. '' The representative I spoke with indicated that it was not possible that I was on a payment plan and that the account had only been in their office since yesterday. When I tried to confirm the account number the agent hung up on me. I called back and requested to speak with a supervisor. I was put on hold and the line picked up and I heard a male yelling " Because I want to know '', the line was then muted and after about 30 seconds I was hung up on again. Attached is proof of payment from my HSA and a copy of the letter dated XX/XX/XXXX that confirms the payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a dispute with the 3 credit reporting companies, XXXX, equifax, and XXXX regarding a previous company I leased with in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the entire time I leased with them I never missed a payment and was never late. However on my move out date we experienced some severe inclement weather which delayed my move out date. I notified my leasing office and in good faith they allowed me to extend the window into which I could move out and turn in my keys. However 10 months later I start receiving collection notices that I've been referred to a collection agency for not paying rent. It is my understanding that they are now trying to charge me for staying the two additional days but that was not our agreement. We entered into a good faith agreement and they can't treat me like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumer report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX  with account # XXXX with a balance of {$570.00}. 
I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As an XXXX  employee I was directly affected by COVID and struggled to make my mortgage payments so I asked XXXX XXXX  about the best option available which would not affect my credit rating. I went into a trial modification period paying a the reduced amount they told me from XXXX 2020. I paid it on-time and in-full. I was told nothing would be reported to credit bureaus during this time. At the end they modified my loan with a government product loan. THEN.months later they reported me 4 months late!! 

I thought the CARES Act protected me? Were laws not implemented that mortgage companies werent allowed to report you negatively if going through one of the programs they offered due to you being affected by COVID?

Ive disputed it with the 3 credit reporting agencies and XXXX, who basically said I should have paid more attention because it was in the fine print and too bad I signed on the dotted line. But I feel hoodwinked. Im not a lawyer. I trusted I was doing the right honest and ethical thing and they were too. 

Now, because of them, I was denied a ParentPlus federal loan for my XXXX college. My credit score is so low I couldnt even get a new cel phone plan. No one will approve me for anything and Im never late with credit card payments or anything! This is the 7th home Ive owned and all been sold/closed in excellent standing. 

XXXX XXXX is a predator. They took advantage of my good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been literally wrestling with TransUnion trying to get them to remove 5 inquiries ( that are unauthorized ) from my credit report and to delete XXXX XXXX XXXX ( this account has been settled, paid the balance is XXXX ). 

I have spoken to customer service reps. and supervisors on several occasions and my pleas to remove or delete these items have fallen on deaf ears. TransUnion will not help me and refuse to take care of these issues ( remove or delete ). 

I have asked for verifiable proof regarding these inquiries and have received no proof. I have no choice but to seek assistance with these urgent matters. I'm tired of going back and forth with them and I see that they are unwilling to assist me. So here 's my dispute : I've asked them to remove these unauthorized inquiries and a settled account. 

Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  and XXXX XXXX. Ive sent proof by certified mail that the account with XXXX XXXX XXXX was settled ( Paid, balance is XXXX ) .These items are still on my report and has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and TransUnion has failed to provide me with a copy of verifiable proof for these inquiries. XXXX XXXX XXXX must be removed or deleted.
Product: Debt collection

Debt was paid in full but shows open on my credit report. I also never received a paid in full fax as I was told I would.
Product: Credit card

I had a PayPal Credit Card issued by XXXX XXXX  which was closed abruptly in XX/XX/year>. Paypal/XXXX told me my account was closed due to unusual activity. I suspect this is because I had a few large transactions for paying my federal taxes using the card. 

After my card was closed, I lost approximately {$500.00} worth of rewards in my account which I have not been able to recover. In addition, I have not been able to access any of my old credit card statements online. Ive called and complained to PayPal/XXXX XXXX multiple times on XX/XX/XXXX and XX/XX/XXXX. They have refused to issue my rewards back or provide statements. 

If not illegal, this is highly unethical. I spent high credit card fees using the card which XXXX profited from and rightfully earned rewards per their agreements. They should be forced to comply with their agreements and issue rewards back to me.
Product: Credit reporting

I have been unable to get my Equifax credit report for two years now ( last report obtained XX/XX/XXXX ) because I am unable to get past the online verification questions, even though I answered them correctly. I never had a problem prior to XX/XX/XXXX, nor have I had a problem with XXXX or XXXX. I do not want to send my personal security information through the mail and they do not offer a phone option. My last attempt to get my Equifax report was today, XX/XX/XXXX.
Product: Student loan

I initially applied for XXXX in early XXXX and received notification from Aidvantage that it was approved for {$0.00} payments on XX/XX/XXXX ( see attached approval ). Later, on XX/XX/XXXX, I received notification that my deferment/forbearance would be ending that I did not sign up for. 

I called last week and requested clarity about whether my account is in XXXX or in administrative forbearance. I was told over the phone that my account is in XXXX for {$0.00} payments, but my payment page states that I am in administrative forbearance that ends in 32 days ( see attached loan printout ). The loan officer denied that my account says this and stated that I am enrolled in XXXX. 

Also, when asking about how XXXX plan interest works, I was told that interest is only eliminated on Subsidized loans, not Unsubsidized, so that is why my interest is not being forgiven. However, the federal website states, " The XXXX XXXX eliminates 100 % of remaining monthly interest for both subsidized and unsubsidized loans after you make a scheduled payment. '' https : //studentaid.gov/announcements-events/save-plan Therefore, I was given incorrect information. Then, they started discussing XXXX, which I did not ask about nor do I qualify for. Loan servicers are not trained appropriately to guide us on repayment or even account status. They blatantly give incorrect and unhelpful information. 

I would like my loan servicer to address this issue and return my account immediately to the XXXX plan, as my account is now growing interest that will then not be " eliminated '' with 0 dollar payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I sent a certified return receipt letter to XXXX XXXX XXXX XXXX with validation of loan and competent evidence bearing my signature, showing I had ( or ever had ) some contractural obligation to pay for a vehicle loan and disputed the account for accuracy. The letter was signed for by XXXX XXXX on XXXX XXXX XXXX. On XXXX XXXX XXXX, I received a letter from the Credit Bureau Team of XXXX XXXX XXXX XXXX stating the have confirmed that XXXX XXXX XXXX XXXX is reporting correctly. XXXX XXXX " verified '' with out showing my signature nor providing information on who conducted the verification of the account. On XXXX XXXX XXXX, I sent a letter stating, " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XX/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. '' Today, XXXX, I  received an updated credit report from XXXX showing that I disputed the account and the Credit Bureau continues to " validate '' the account well after the 30 day period of non-compliance of XXXX XXXX XXXX XXXX as to the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

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

US DEPT ED : Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) : Account # XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) : Account # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) : Account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX T XXXX XXXX ) : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX : Account # XXXX, DEPTEDXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXX, XXXX : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I have disputed XXXX Debt Collections MULTIPLE times. Experian continues to report it even though the collection agency has provided NO proof of verification. The collection was removed in 2020 yet experian allowed it to be added back with no verification and without notifying me 5 days prior as required thus giving me no time to dispute. The collection agency provided no 30 day letter prior to attempting to adding it giving me no time to dispute. Experian has drawn this out and it is affecting my credit substantially. The collection company continues to repeat the same information and provides NO proof. I keep attaching these conversations from email showing this and NOTHING is done.
Product: Credit card or prepaid card

On XX/XX/2020, I logged in to my Synchrony Bank Amazon credit card account. I saw a banner on the page notifying me that my account had been closed. In the week or so prior to this, I had attempted to make a payment on my card, and the payment said 'returned '. I could not understand why, seeing as I had sufficient funds in my account. I therefore tried the payment again, only to get the same message several days later 'returned '. I spoke to an agent, and it was discovered I had entered my bank information incorrectly. I was assured that as it was obvious the payments were returned due to my clerical error, this wouldn't be held against me, and my account would be held in good standing. I proceeded to correct my error and made a full payment. Several days later, I logged back in, and I saw the banner saying my account had been closed. I contacted Synchrony and requested that my balance of points, totaling in excess of {$500.00} cash back I had earned, be sent to me by way of check or other means, as my account had apparently been closed ; contrary to what was promised me by their agents. I spoke with Synchrony online and was informed there was nothing to be done, they had closed my account immediately upon receiving my payment despite telling me they would do otherwise, and I would not be receiving any of the XXXX XXXX dollars rightfully mine. I now have an account that they closed, despite promising me otherwise, and I am now missing many hundreds of dollars I earned. I attempted to speak with them further, was put on interminably long holds, and was unable to make any progress. 
I filed a CFPB complaint on XX/XX/2020. 
My complaint is now closed as the company says they reached out to me and have not heard back. 
This is false. I will happily provide call logs and SMS history to show as such. 
Additionally, the company states the reason for my account closure and seizure of my funds is something on my XXXX credit report shows a 'high probability ' of me not being able to make the payments. 
I ordered a copy of this report, and every single account on my credit report is in good standing. There are no negative marks or notations. It follows that my account was closed, and my funds seized, with absolutely no good cause. 
The company has never reached out directly to me, providing a name and/or number I can speak with, other than providing me their general Customer Service phone number, at which there is nobody that can provide any further info. 
The company is unresponsive to multiple and repeated requests for further information, and they are still in possession of my money.
Product: Student loan

Back in XXXX I co signed for a loan, and she did not pay so they came after me, they called my family members, called my employment, harassed my family members to no end, I was able to get into an agreement which I paid faithfully for 15 months, when that came to an end which when this all started in XXXX of XXXX or XXXX they informed me when I pay the payment for 1 year never late I could get released off the loan, which when I called they informed this was not correct, so again i paid a higher amount for 15 months and when that payment plan stopped, I called cause they raised the amount another XXXX  a  month, which I called and told them I couldn't do I am a single mom taking care of the house on my own, they didn't care again I told them you told me if I paid I could get released, nope can't do that. They never once bothered her or her family members so when this whole virus thing started I called for a forebance and was told NO only a month, but finance charges would continue, called back 3 weeks later and they finally allowed 3 months, but the finance charge of XXXX would continue. I refinanced my home to get out from under this bank, they are so rude, do not work with you at all I was hoping since I paid for almost 2.5 years being a cosigner they would take a reduced payment due to paying alot of finance charges, and they telling me I could get off the loan after paying 1 year, nope had to pay this in full they wouldn't knock off anything, when this all started with little over XXXX after all these months 2.5 years I owed over XXXX when i just paid this off. That is crazy.. This is so unfair to a cosigner they don't bother the signer, and are so rude. It ruined my credit and I should have just let them write if off but as a cosigner I did the right thing, there is just so much that Sallie Mae has done it is crazy they are allowed to beat people down that are standing up and doing the right thing ....
Product: Credit card or prepaid card

I received an alert from stating someone tried to apply for a citibank credit card in my name. I have not applied for any credit cards recently so this is not me. Can someone please contact me.
Product: Credit reporting

I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XXXX of that same year had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for a {$9000.00} charged off account that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.