23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX of this year XXXX and my husband applied for a loan. We were denied because of excess collection accounts and other credit issues. Since then my husband has been working on getting things cleared up. In XX/XX/XXXX I sent several certified letters to different medical collection agencies and all have either agreed to or removed all my old debts except Central Financial Control. They claimed I still owed this debt which was paid by my husband 's insurance and was over XXXX XXXX XXXX which is past Texas statute of limitations. Instead they sent me XXXX documents from my recorded and my son 's record along with my XXXX daughter 's record with the procedures and charges for them. My husband has works as a healthcare professional and informed me that this was a violation of my HIPPA rights and those of my daughter and son 's since the paperwork had hospital stickers and information on them. I did not give this company any written permission to have these records of me nor did my XXXX daughter when I asked her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to report a Fraudulent Credit Card account with XXXX XXXXXXXX XXXX ( Acct # XXXX ) that is currently being reported to my Credit reports with all credit bureaus and I am asking for your assistance to Immediately delete this fraudulent and incorrect reporting from my credit files, since I have already tried to dispute it with the Credit Bureaus and they have failed to take action. 
This account was not opened by me and I never consented to a Credit Card with XXXX XXXX  XXXX. I called XXXX XXXX XXXXXXXX regarding this fraudulent card in hopes that they would help me settle this issue and remove this fraudulent reporting and they have not done anything about it to this date and have referred me to dispute it with the Bureaus, even after speaking to multiple representatives at XXXX XXXX XXXX. XXXX XXXX XXXXXXXX informed me during one of the conversations with them that this Credit Card was opened inside of a Branch in Florida. I am not sure how this happened as I was under the impression that banks were required to check ID and collect a signature for all credit products opened. 
I live in California and I have proof that I was here in California and was at work on the date that they claim this account was opened ( XX/XX/XXXX is the opening date according to my credit reports ). I work for the City and County of XXXX XXXX in California and I am attaching copies of all my pay stubs received during the period that this card was supposedly opened by me at a Branch in Florida so that you can see that I has here at work in XXXX XXXX, CA and did not take any time off of work during that period. How could the card have been possibly opened by me at a branch when I was across the Country and not even a driving distance from that branch on the date it was opened? Find my XX/XX/XXXX Paystubs enclosed. 
I filed a Dispute with the Credit Bureaus last year in XXXX ( XXXX ) and the results of their Investigations all came back saying that the account was verified. I am not even sure how they were able to verify an account that was NOT opened by me, and which means of verification they used for their investigations. 
If you need any additional information from me, please do not hesitate to contact me at ( XXXX ) XXXX. 
I look forward to your assistance in resolving this matter and helping me completely remove this fraudulent and inaccurate reporting from my credit files. 

Thank you for your assistance! 

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

XXXX XXXX has not updated my account status from derogatory to settled/paid. 

XXXX XXXX  has not updated my account status from derogatory to paid. 

XXXX XXXX has not updated my account status From derogatory to paid. 

XXXX XXXX has not updated my account from derogatory to settled/paid. 

XXXX XXXX Has not updated my account from derogatory to settled/paid.
Product: Checking or savings account

I am filing a formal complaint against Chime, as I have encountered ongoing issues with my account closure and a lack of transparency regarding their actions. Despite several attempts to resolve this matter directly with Chime, I have not received satisfactory assistance or communication. 

On XX/XX/year>, I received an email stating that my Chime account would be closed, without any clear explanation. I immediately contacted Chime customer support through chat, phone, and by requesting to speak with a supervisor. During these interactions, I requested information as to why my account was being closed. I was referred to Section 10 of Chimes Deposit Account Agreement, which discusses amendments and cancellations, but this section did not provide any specific reasons or actionable details. I was also directed to the Chime website, which was unhelpful. 

Additionally, I informed the Chime representative and supervisor that there had been no changes to my account in the past 90 days, except that I no longer receive direct deposits, following an unexpected closure of my account the previous month on XX/XX/year>. When I reached out regarding the earlier closure, I was told the matter would be escalated to their back-end team, and I would receive an email with further details. However, I never received any email or explanation about the initial account closure, nor was I notified regarding the subsequent restoration of my account, which happened without any warning. 

Chime 's failure to provide clear answers, explain the reason for the closure, or follow up with me after my account was restored is extremely frustrating. I have made repeated efforts to resolve this matter directly with Chime but have been met with inadequate responses. I am seeking a formal explanation as to why my account was closed, why I received no communication regarding the closure, and why my account was restored without any notice. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter, as Chime 's actions have caused significant inconvenience and confusion. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX XXXX XX/XX/year>
Product: Vehicle loan or lease

I've had an auto loan with XXXX XXXX XXXX ( XXXX ) with a retail installation date of XX/XX/XXXX. Since XX/XX/XXXX, I've been timely and consistent with my auto loan payments of {$530.00}. This account/contract reached full term in XX/XX/XXXX with a total payoff remaining balance of {$7400.00} ; principal balance of {$7200.00}, accrued interest of XXXX, and other fees and charges of {$150.00}! I was notified via account statement that this payment was expected in full by XX/XX/XXXX. Being that my wife and I could not make the substantial payoff payment, we entered a Renewal/Reschedule contract in XXXX. We were informed not to proceed with the regular schedule payments due to the fact that the date and renewal monthly payment amount would change. I inquired if the changes would cause any blemishes on our credit report and was informed that it would not. It did not reflect negatively for XXXX, but unfortunately my credit report is indeed reflecting a late payment in XXXX.
Product: Mortgage

SPS has insisted XXXX in their response to my last complaint and in correspondence that XXXX XXXX does not allow loan modifications. However, when SPS sends me forms to fill out, they use forms that are copies of the government forms used to evaluate individuals for loan modifications. Secondly, SPS states very clearly that they participate in XXXX and XXXX programs. This contradicts their prior statement directly and means that they have been wasting my time. XXXX and I qualify for Loan Modification based upon her XXXX and our subsequent loss of income. I have supplied paperwork to illustrate this fact. I will submit a complaint against XXXX XXXX separately.
Product: Mortgage

My mortgage company claims I had 2 late payments made to them on different occasions. Payments were made on time and I can prove it. the First late payment they gave me was in XXXX of 2018 because they apparently do not accept partial payments. however, I made partial payments in XXXX which they accepted. I had paid {$300.00} on XXXX and {$560.00} on XXXX. That one seemed to be fine. Then I did partial payment of {$380.00} on XXXX and {$500.00} on XXXX. The payments in XXXX, cleared my bank, then Home Point Financial refunded the payments to me ( in 2 separate payments like i had to them, but by the time I got the refunded money, the mortgage payment was already marked as late. When I called the person explained to me when I did this in XXXX they accepted it and said a letter was sent out, but after looking further admitted that the letter was generated automatically, but was actually NOT sent out. So I had way of knowing this was not acceptable to make partial payments, which in my mind they had already accepted. 

The next late payment was in XXXX of 2018 as well. I made the payment on time, but noticed my credit score dropped because I was marked as late. I immediately called them, as they payments was set up through my bank, and had cleared. Come to find out, Home Point financial again admitted to failing to send me mail about them changing their name ( to the same name ) but different address. The person said they would fix my account, and they sent me a refund check for the amount they cash and I needed to resend it to the new address, but that because of the circumstance i wold not be marked late. i received the refund on XXXX, put it in my bank and set up the new payment for the earliest date possible and it went out on XXXX to the new company for {$880.00} Between these 2 occasions my credit score dropped over 100 points, and both times are because of Home Point Financial not sending me mail notifications, and admitted to it both times. I disputed through credit bureau but they did nothing, they did not investigate, they just saw that payments were late. I have improved my credit a lot over the last 3-4 years and this has destroyed it
Product: Mortgage

United Wholesale Mortgage inaccurately reported a missed/ delinquent mortgage payment for XXXX of 2023 to the credit bureaus severely damaging my credit score. I have documentation that proves the payment was made. Attached is a screen shot from their own website verifying this.
Product: Credit card or prepaid card

I called to get m y Citi Aadvantage card changed to another Citi card. It was very hard to get a human being on the phone so I asked for the cancellation line.  Representative was very unhelpful and rude so I hung up with the intention to call back and speak to someone else. She then closed my account without confirming with me that is what I wanted or reading any disclosures to me. I asked to have account reopened and was told no.
Product: Student loan

I requested a refund for student loan payments made during the forbearance period. It was supposed to take 90 days to receive the refund, but I have yet to receive it. I called in to inquire about it, but all they could say was that I had to wait another 60 days, no reason why. The money is being held with no interest accruing which means I am in danger of receiving less than its expected value. The servicer never reached out about the delay nor did they process it at expedited recourse to resolve the issue when made aware of it. The timeframe of when I should have received my refund has long past expired.
Product: Mortgage

I have four commercial loans with a bank XXXX XXXX, Ca ( apartment buildings ). I am behind on all four loans due to tenants not paying on time due to covid. I am requesting my bank to lower my interest rate, reverse all late fees since XXXX, not to report late payments to the Credit Bureaus, and put all late payments on the back end of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 RE. We have disputed this account.
Product: Credit reporting

Due to Experian 's lack of security and lack of preventative measures my personal data including my address and Social Security number were stolen by hackers. Now my identity is out in the open and the high credit score that I have worked so hard for these past 12 years is no longer safe or in my control. Experian has the audacity to offer me fraud " protection '' from a company which they are the parent of. What makes them think I will trust them with my social security number again? They must be brought to justice on a greater scale than just a class action law suit. They must be made an example of the way that XXXX was in the oil spill with XXXX dollars in fines. As consumers we confide in corporations by providing our personal information, it is their duty to protect that information. This has become a recurring theme where data breaches lead to slaps on the wrist. They continue happening because the punishment does not get the attention of those in power. The US financial system will suffer severely if this does not come to an end. The criminals who are stealing this information know this very well and this is their intent. Attacks on our country are n't always as evident as traditional warfare but are just as serious.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute asking what proof was provided to very the acct they dud not provide any proof the the collection was valid.
Product: Debt collection

Merchants Credit Association XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX, WA XXXX To whom this concerns, I recently applied for a Home Mortgage and in doing so received a copy of my Credit Report. Contained in that report were certain accounts that I disputed with all three of the Consumer Credit Reporting Agencies, XXXX, XXXX XXXX XXXX. Here Im speaking specifically to the information being reported as : account # XXXX. 

Where in the XXXX  Investigation Results youll see that the account now reads : THIS ACCOUNT HAS BEEN UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *STATUS DATE *BALANCE DATE. This letter speaks directly to these features as theyre currently appearing in this, along with other, credit reports. 

Additional Furnishers ' Duties Under the FACT-Act ; 312 of the FACT-Act expands furnishers ' affirmative duties concerning the accuracy and integrity of the information they furnish, contains a provision that allows consumers to file disputes directly with the furnishers, and specifies the procedures furnishers must follow in responding to direct disputes. 

Under the regulations implementing this provision, when a consumer files a direct dispute, a furnisher is required to investigate if the dispute relates to any of the following issues : ( 1 ) the consumer 's liability for a credit account or other debt with the furnisher ; ( 2 ) the terms of a credit account or other debt with the furnisher ; Here I require Merchants Credit to produce and provide the evidence of this Updated information. Along with, and in comparison to, the information provided in the Credit Report furnished by XXXX XXXX & XXXX XXXX to XXXX XXXX XXXX and delivered to my Mortgage Lender, XXXX XXXX. ( See copies ). Clearly Merchants Credit verified this new information to the satisfaction of XXXX. Here I require that you Verify this altered and adjusted information to and for me, the Consumer, as well. As they are clearly not equal to the original information as provided to my Mortgage Lender. 

These certainly are not inconsequential Updates as they clearly describe the consumers liability in their Status Date & Balance Date along with Additional Information status. Failure to respond according to this request will result in my turning my attention away from the Consumer Credit Reporting Agencies. Directing it to the Washington State Department of Licensing. Who Im assured will do a Complete & Comprehensive Review of your failure to perform under the Federal & State Laws where and how they are applicable. 

Regards, XXXX XXXX XXXX XXXX CC : File WA DOL CFPB FTC
Product: Credit reporting or other personal consumer reports

XXXX XXXX for Department of Education showing incorrect account information on credit bureau reports with XXXX, Transunion and XXXX. XXXX is know longer the servicer on the account and the current servicer of the Account is XXXX for the Department of Education and XXXX is the Servicer for Department of Education Loans.

Credit Reports with TransUnion, XXXX and XXXX reflects the loan repayment status and payment due when the Department of Education has granted relief under the Student Defense forebearance.
Product: Credit card or prepaid card

I've been using a credit card from Bank of America Travel Rewards Visa for the past year or so. There was an intro period with zero interest as is common. I used the payment feature provided on the BoA website to schedule a recurring payment. I chose the option to pay " Amount Due '' by due date. There was also a " Minimum Amount Due '' option. I deliberately did not choose this option since I did not wish to incur any interest charges. I did wish to make use of the intro period. So I left a balance on the card assuming the right amount would get deducted from my card once the intro period expired. But the bank kept deducting the minimum amount of {$25.00}. And charged me an interest of {$30.00} on a bill issued XX/XX/XXXX. I called them within 3 business days on XX/XX/XXXX to ask what's going on. Apparently " Amount Due '' is same as " Minimum Amount Due ''. Which seems deliberately designed to mislead customers into missing payments. And then exact interest. I requested them to waive the charges since it was my first time. They wouldn't do it. I consider this a form of fraud. Perpetrated by Bank of America against it's customers.
Product: Credit card or prepaid card

I purchased a {$100.00} XXXX XXXX gift card in XXXX of XXXX. I put the card away and went to use it in XXXX of this year. The card is still brand new in the package and the associate at the register opened the card. This is when I found out the card had been used in XXXX of this year by someone with the last name XXXX out in California. I called XXXX XXXX and told them about this and they informed me to send in a fax to dispute this transaction. I faxed them on XXXX XXXX which showed the card in my possession. I faxed them again on XXXX XXXX from my job. I faxed them again on XXXX XXXX. I called them on today to find out what is going on with the resolution and was told that it was denied because it was outside of the time frame. I got really upset and disgusted when she told me to send in a letter of reconsideration because this happens all the time when someone buys a gift card or is given a gift card and go to use it and find out that it is empty. When she said it happens all the time is when I said to her why should send in a letter of reconsideration if you know this happens all the time. They know that I am in Georgia and that the transaction was done by someone without my name in California. I do n't know what to do at this point. It 's like I have just lost {$100.00} of my hard earned money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> CAINE & WEINER COMPANY XXXX XXXX XXXX FL XXXX CA XXXX Subject : Request for Reinvestigation and Removal of Charge-off-Account # ( XXXX ) To Whom It May Concern : I recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of the collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Sincerly, XXXX XXXX XXXX
Product: Debt or credit management

I wish I never used this company. They will get you to spend more money on fees than they will ever save you in money. Their promise is to settle your debt and make sure you pay less on your debt, saving you money. I have now paid {$2000.00} in fees alone and they have saved me a sad {$1200.00} in settlements.I have {$2200.00} more in fees to pay over these next 3 years. I have one more settlement to be done. Overall, I owed {$11000.00} in debt. Once this program is through I will be paying at least {$13000.00}. My credit went from XXXX to XXXX over these 8 months of being with JG. I will be lucky if my credit ever gets better. It will be 3-5 years at least. In these 8 months of working with JG, I have paid them {$2000.00} and only {$15.00} of that has gone to my debt. If I knew I would be paying {$2000.00} to get terrible credit and still owe another {$11000.00} at least, I would have never signed up. I will be paying more than what I originally owed in debt and have terrible credit for many years to come because of this program. The communication is terrible and they dont explain anything to you. I have never been contacted by them in 8 months, I have to reach out every time and try to figure out whats going on. They switched websites during these 8 months and I never even got an email telling me they are using a new site with a new customer portal. I was left in the dark about everything. I am getting taken advantage of and all my money is being spent on fees. I would be in such a better place right now if I got a personal loan, paid off my debt and then pay a monthly amount to my loan. I thought getting debt consolidation would be smarter but Im in a world of trouble because of it. Im hoping I dont get sued by my creditors as well, like many jg customers have.
Product: Credit card

MY CARD HAVE HAD A MULTIPLE TRANSACTIONS AND TRANSFERS THAT I DIDNT AUTHORIZE OR DO