23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was in the process of refinancing my property for my daughters education when I found that my credit report showed recent consecutive late payments regarding my account XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As soon as I became aware of this fact I immediately contacted customer service. It was then I learned that due to a bounced check in XX/XX/XXXX, all ACH draws were stopped. I was shocked and horrified and I immediately paid the balance in full. I asked why I was never informed about this ; the representative said a letter was mailed. When I explained that I never received this letter, the representative checked and together we discovered that the address on file was incorrect ; this is why I never received the letter. In addition, I sincerely had no idea that an ACH draw could be canceled by anyone but me. I have all my bills set up to for auto draw, and indeed when I checked my bank account I saw the balance was extremely high because funds were never debited. I had any knowledge of this bounced check or cancellation of the ACH draw, I would have addressed it immediately. My credit report shows that over the past seven years ( with the exception of XXXX/Loancare ) I have paid every creditor on time and never missed even one payment ; for a total of 354 payments. Ive spent my entire life building my credit. To this very day, I have not received any documentation indicating there is a problem with my account. Only for my attempt to refinance my home for my daughters education, I would still be unaware. The purpose of my correspondence is to request a " goodwill '' adjustment due to the resulting hardship on the reporting of this account to the three credit agencies. I do recognize that this request is unique and that it may not be XXXX normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account reported to be done so accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I 'm hoping/praying/begging that XXXX will do this in my case. If XXXX does not, my credit that I have worked so hard for all my life is gone. I went from XXXX+ to XXXX and it will take seven more years to build it up again. Even more devastating, I will not be able to refinance my home ; I am a single mother, I have nowhere to go and no one to turn to for my daughters school fees. This would create an extreme hardship for our little XXXX person family and it will change the course of her life forever. We will not even be able to pursue an affordable financing arrangement because my credit is so bad. My only option is to sell my old car but I need this vehicle to get to work every day. Im in a complete panic and this experience has left me traumatized. I 'm hoping you might review the circumstances and consider a good will adjustment in light of the resulting hardship.
Product: Payday loan, title loan, personal loan, or advance loan

On the XXXX XXXX XX/XX/year> my next bill was due. They showed my total Bill to be a {$990.00} so I Pd that. On curiosity I wanted to see if I had finally finished with this stealing XXXX CO. so I checked the account again and it showed I still owed {$16.00} This shows that my suspicion, s was right they have constantly taking intrest out on me on every PRINCIPAL ONLY PYMTs!
Product: Mortgage

Hello. I am having an issue with my mortgage company ( XXXX XXXX XXXX, aka LoanCare ) that they won't resolve and it's affecting our credit. They are reporting incorrect information to all 3 credit reporting agencies, we have filed 2 credit disputes in addition to having reached out to them via email and called 3x to which we were yelled at on the from a supervisor. 

Back in XXXX of XXXX  we applied for a loan modification because we fell 3 months behind on our payments. We were approved for the modification in XXXX and were set to make our first payment in XXXX. Along came the pandemic and my husband lost his job on or around XXXX XXXX XXXX We called our mortgage company right away to find out what our options were because we weren't going to make the XXXX payment for our modification, and they instructed us that if we made the first payment in XXXX we wouldn't be able to enter a loan forbearance for 3 months so instead they instructed us to apply for a loan forbearance instead of making the XXXX payment. We were approved for the forbearance and have maintained the forbearance every month since XXXX XXXX XXXX. LoanCare has reported us as being late every month since! We have been marked 18 months past due and our on time payments history for the loan had been reported as only making XXXX  % of our payments on time! We have called and spoken to employees who have in fact told us that our loan should not be reported negatively or late since we are an FHA loan backed by HUD and therefore protected from being reported negatively but can not get them to correct the issue they just continue each month to mark us late again. It states on THEIR own website that a forbearance will not be reported as negative and will not affect a borrower 's credit. Well my credit score has gone from XXXX to XXXX because of this incorrect reporting on their part! Please advise what can be done to have this corrected ASAP.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Credit card

previous complaints were filed with Bank of America in 2022 and earlier. They told me to wait 90 days after making any changes to my accounts. Before i can change the Card ATM PIN number. I waited 2 years and still i can't change my card ATM PIN numbers it is a security issue the bank should be helping me change PIN instead they keep sending me my current PIN numbers in mail. I have made NO ACCOUNT CHANGES IN PAST 90 DAYS. my XXXX CREDIT CARDS ENDING IN XXXX XXXX XXXX XXXX XXXXXXXX. I want them to mail me system generated RANDOM 4 digit PIN numbers
Product: Credit card

I asked Citibank to change from an AAdvantage card {$590.00} yearly fee to a {$99.00} yearly fee. 
They sent the {$99.00} yearly fee card and when I tried to do the activation it did not activate. 
Today I called to close the {$590.00} a year fee card they demanded a payment of {$540.00}. 
I have not made a purchase with this card in XXXX. 
Going into XXXX  the balance was XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is stating that I have a recently missed payment which is not accurate in my credit summary
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending written correspondence to XXXX and EQUIFAX since XXXX of this year regarding this closed account, XXXX The company is showing 1 late payment. 

I contacted the company in XXXX and they were courteous, but unable to assist. I believe it something to do with the company 's name changing or not being able to access my records. 

I asked that XXXX and EQUIFAX look into it and provide the documents to support the late payment being reported on my credit report. To date, I have not received the documents or official results of what actions XXXX and EQUIFAX took to ensure the accuracy and completeness of the data that is being reported.
Product: Debt collection

We constantly receive voice messages from ERC, early in the morning, late in the evenings, during the weekends, for collecting debts we do not have. 
The voicemail give a reference number and we have been advised not to contact them as they would do anything to make us pay something we do n't owe. We are non-residents in the US and have no credits, no debts anywhere.
Product: Credit card

Capital One grossly mishandled a dispute with a charge that ended in a {$3000.00} loss and the theft and extortion by a merchant who sold us my engagement ring. Due to Capital One 's gross negligence, misinformation from employees who do n't understand their responsibility to provide accurate and timely information regarding a dispute, and Capital One flat out " losing documents '' on multiple occasions - our dispute with this merchant who defrauded us dragged on for more than 6 months. Now, the merchant who sold us my engagement ring has the ring AND our {$3000.00} - the merchant refused to return our money after accepting the return of the ring which was sold under false pretense and defective - now that they have my engagement ring which they 've since irreparably damaged, they 're keeping our {$3000.00} and demanding another {$1000.00} ( extortion ) to receive the remains of my engagement ring. After dozens of " dispute specialists and managers '' assured we have a strong case with more than enough evidence and expert testimony, Capital One 's position at the end was that it simply was not their problem - despite their reckless handling of the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have sent disputes to Equifax on XXXX in regards to collections accounts on my credit report thats still showing due to identity theft I have sent it proper documentation each which is a ftc identity theft report along with social and id they still have yet to remove these collections from credit report despite me sending proper documentation that I am victim of identity theft they arent properly investigating this and should be removed from credit report because I am victim and they have yet to do so and still is on my credit report
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX on Experian XXXX shows as 30 days past due and on XXXX as 60 days past due. In XX/XX/XXXX, Experian shows as 60 days past due and on XXXX it shows as 90 days past due. In XXXX of XXXX Experian is reporting me as 90 days past due and In XXXX of XXXX XXXXXXXX XXXX is showing me as 60 days past due but says the last payment was received in XX/XX/XXXX and then in XXXX and XXXX of XXXX, the past due days jump to XXXX. On XXXX in XX/XX/XXXX, its reporting as 120 days past due and in XXXX of XXXX, it drops to 90 days past due with the last payment being made in XXXX of XXXX and then it jumps to 150 days past due in XXXX and XXXX of XXXX. On XXXX XXXX late payments are reported. This inaccurate and inconsistent information and XXXX XXXX is direct violation of the FCRA and CFPB regulations. Please remove this from my credit immediately and I am also requesting {$1000.00} for each violation. I have disputed this account on several occasions with the credit bureaus as well.
Product: Credit card or prepaid card

I opened this HSBC/Mastercard credit card account at the end off XXXX, accepting an invitation they sent to me by regular mail with an incentive of {$150.00} after {$1000.00} of purchase with that card. 
I was approved and start using it and scheduled two on line payments with emails confirmations. 
1- {$100.00} on XX/XX/XXXX conf. XXXX 2- {$500.00} on XX/XX/XXXX conf. XXXX By XXXX Holidays my wife told me that her card was rejected at the store. I told her that should be fine due may earlier payments. I checked on line, and the payments were reversed and a {$25.00} fee was added. I called to customer service XXXX on Thursday XX/XX/XXXX twice and waited for 45 minutes first and about 30 min hold, no agent took my call while waiting. Finally an agent answer and told me that my account was blocked and I need to call security to XXXX. Called by XXXX a machine asked for my ID info and again wait for about 20 min nobody took my call and I decided to hang up because I've got to work. Called again next day same thing 30 min  on hold no agent to take my call, so I hung up. So XXXX passed by and I went on line on XX/XX/XXXX, and tried to check my payment info to see any errors, I couldn't pay neither could see my payment information but I created A link to my bank account just in case. I start chating to them to look a new way to pay and make them to waive the fee. After chating for a while they told me that they can't help me that I need to call XXXX which I did but same thing It put me on hold and nobody took my call. Call again, and finally an agent answer but she told me that I need to call the XXXX during office hours, because she can't help me at that time. I'm afraid more fee are coming up and I have no way to pay. That's a ridicule and consuming time situation. that costumer service is horrible it tired me up. I just wanted to pay that in full get rid of those fees and close the account but they don't have a branch in XXXX Texas.
Product: Credit reporting

Experian is reporting incorrect facts regarding a Bankruptcy on my credit report. Experian maintains that they " verified that the Bankruptcy is accurate. '' I requested to see Experian 's method of verifying the Bankruptcy per FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) to include : a ) The name of the Courthouse, ( b ) the person 's name they verified the dispute with ( c ) the address ( d ) the telephone number and ( e ) the documentation used to verify the dispute. 
Per FCRA, credit reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information, not third party sources such as XXXX of XXXX XXXX. 
The Bankruptcy listing must be reported accurately FCRA, Section 609 a ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  REPORTING PAST DUE 30 DAY PAYMENT IN XXXX XXXX 30 DAYS PAST DUE XXXX XXXX 60 DAYS PAST DUE XXXX XXXX 60 DAYS PAST DUE XXXX XXXX 90 DAYS PAST DUE XX/XX/XXXX 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 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
Product: Credit reporting

XXXX XXXX initiated XXXX & XXXX were paid in full when I sold my home, not due to any bankruptcy. I have emails and letters proving XXXX engaged in fraud to try to force me into foreclosure in attempt to steal my equity. They lied repeatedly played dangerous games and intentionally harassed me with false statements and fraudulent actions knowing I was extremely ill. They Intentionally Inflicted XXXX. They have no business putting anything on my report they should be under investigation for fraud. 
XXXX XXXX, XXXX : XXXX XXXX XXXX and XXXX purposefully chose to not file a payoff of the loan I had with them. I had to write Senator XXXX XXXX and pressure them a lot to get XXXX to finally file the papers with XXXX XXXX. They did so with great resistance and resentment on their part. I have letters and other proof of their fraud. I complained to FTC as well but like many of the fraudsters during the Great Recession they got off with no punishment. Only consumers were punished. 

I devoted myself to lifetime of ethical service and was like many others grossly abused by the financial industry. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX in particular. 

I have many letters, emails and other documents proving their crimes. I complained to many agencies and individuals in power. Wasted precious time and energy when I was extremely ill. During the time of the Great Recession nothing was ever done to punish the financial industry criminals. Do n't expect anything to be done now. At least have the decency to remove the false derogatory comments off my credit reports.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Mr. Attorney General : I am writing in hopes to shed light on a company that I feel is operating unfairly. On XX/XX/XXXX I purchased a whole house generator. I financed the generator through XXXX XXXX. The agreement was to extend for 36 months, 18 months interest free. In good faith in XX/XX/XXXX I signed up for auto payment with the ability to receive monthly payments notices as reminders. As I look back, I received two payment reminders in XX/XX/XXXX. With the payments on auto pay I continued to make payments monthly without payment reminders. 
In XX/XX/XXXX, XXXX XXXX attached {$4500.00} interest. It was then that I realized I had missed the 18 month deadline for repayment without interest. Since XX/XX/XXXX, I have received a written monthly notice for payment. I was never notified of the interest free period coming to an end as agreed to. I felt the details of the contract would be upheld but I see that it was not. 
I see this as unfair and it appears deceptive. I feel as though I was targeted. I did not receive monthly notices until the interest payment was added, now I receive them every month. In their failure to provide monthly notices, I did not make the final payment, as I would have, had the notice been sent that the interest free period was to end. In this way I feel that this company purposefully declined to send notices so that I would forget about the interest free period which allowed them to add the interest accrued. I wonder how many others have experienced this behavior from them and have also had to pay back interest. I am able to fight this but what about the elderly and the infirm who depend on these products and are taken advantage of by this type of financing. 
I do think this is unfair practice for their patrons. This builds distrust. I will never do business with this company again as I feel they failed to provide adequate notification of contract changes. I feel they should remove the interest accrued as they failed to provide me with the monthly payment notices as agreed. I do feel had I received these notices, I would not have missed the interest free payment date. This pattern of practice, although maybe legal, is not fair. 
Please take a look at this companys practice. Their use of these types of loans are set up as a trap and should be discontinued if proper notifications can not be sent. Thank you. 
Sincerely, XXXX XXXX
Product: Student loan

I have not been able to make my payments on several occasions. I was not made aware that there were other options other than forbearance. I continued to make monthly payments, but after the forbearance ended, my payments were not enough and they turned me in to credit agencies for not making payments ( even though I made auto payments monthly ). I was not aware of this for several months. I had excellent credit, but now my credit has gone from XXXX to XXXX because they listed me as non payment on XXXX loans for several months. I am still not in a payment plan based on income b/c I just read about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just had got sum sent to me in the mail that someone else made of me and all the info was incorrectly written
Product: Debt collection

I am filing this complaint against XXXX XXXX XXXX ( XXXX ) for a collection that has been wrongfully placed on my consumer report. The collection agency has violated multiple consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The specific violations are outlined below : XXXX. Failure to Provide Notice of Debt : * Under FDCPA Section 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), a collection agency must send the consumer a written notice of the debt within XXXX days of the initial communication. The notice must include the amount of the debt, the name of the creditor, and a statement of the consumers rights. The collection agency has failed to send me this notice. If proof of notification is to be provided, it must include a copy of the certified mail with a receipt bearing my signature as validation of the notification. 
* XXXX. Lack of Validation Information : * Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide validation information for any debt they are attempting to collect. Despite my requests, the agency has failed to provide the necessary validation information, yet they have placed the collection on my consumer report. 
XXXX. Denial of Dispute Rights : * According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given the opportunity to dispute the account. The collection agency has not provided me with a chance to dispute the debt, thereby denying me my rights under this regulation. 
XXXX. False and Misleading Representation : * The collection agency is using false, misleading, and deceptive means to collect the debt, which is a direct violation of the FDCPA. This includes misrepresenting the amount, status, and legal liability of the debt. 
XXXX. Failure to Provide Required Disclosures : * The collection agency is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) by furnishing information to consumer reporting agencies without providing any and all disclosures required by law. 

Relevant Legal Precedents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This case underscores the obligation of furnishers to report accurate information and the consequences of failing to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This case highlights the duty of credit reporting agencies to reinvestigate and ensure the accuracy of reported information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This case focuses on the standards for reasonable investigation under the FCRA.
Product: Debt collection

I opened CFPB case about AMEX XXXX. They tried billing my bank account despite manual payment made to fulfill minimum payment requirements. 

I have requested a stop payment in XXXX to avoid repeat of same this month. I have already informed AMEX about stop payment made in XXXX in XXXX. 

But they seem to indicate that I must make auto payment. I made a manual payment on XXXX XXXX but it is shown as advance payment made for XXXX. I requested them to account the manual payment towards minimum payment due for XX/XX/year>. 

They were asking me if I want to cancel manual payment despite me explaining the fact that the automatic payment they initiated will not go through in XXXX.