23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The original debt of {$520.00} has been paid to the original creditor, XXXX, about a 1 1/2 years ago. CDI Affiliated Services insist I owe them a sum of {$260.00} of pure interest. There is no more principal because XXXX accepted my payment in full in order for me to receive services from them again. As far as I can tell CDI A.S. is in a violation of The Fair Debt Collections Act 808 15 USC 1692f Section ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
I can assure you no such agreement was ever established or authorized while creating the debt. CDI is not attempting to collect a single penny as principal, but rather {$260.00} of pure interest. Are they, or are they not in violation of this Fair Debt Collection Practices Act? They still currently show as owing XXXX {$260.00} on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX -XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX my credit report now reflects 30-60 past due when in fact was never late.. on my credit dated XX/XX/XXXX none of these payments were showing late in fact they werent late. I have disputed the inaccuracies with all three bureaus as well as spoken with XXXX XXXX XXXX about this inaccurate information. They all have failed to validate the accuracy of the info and complete a thorough investigation within 45 days. They have also reported that my account open with the company on XX/XX/XXXX which is not accurate to the signed contract between myself and XXXX XXXX XXXX. Because of the false reporting and poor maintenance of my credit file I lost out on finance options and needed loans. Attached is a screenshot of my account reporting from the bureaus
Product: Mortgage

Consumer Financial Protection Bureau Ally bank made a mistake on my mortgage loan. I proved it to them. They eventually admitted it. However, they seem to refuse to resolve the problem. 

I had a new construction built for me with a construction loan. When the house was near completion, I chose Ally Bank to refinance the loan as my permanent lender. They mistakenly processed my loan as a secondary residence when in reality it was my primary residence. I noticed the mistake early in the process. They said they would fix it. But they continued to process the loan incorrectly as a secondary residence. 

The major timeline of events are as follows : - In an email dated XXXX XXXX, my loan coordinator XXXX XXXX informed me that my disclosures were ready for me to review. I noticed that the pre-filled application marked my home as a secondary residence. 
- In an email dated XXXX XXXX, I informed XXXX XXXX about the mistake and that it should be marked as a primary residence. In an email dated XXXX XXXX, XXXX XXXX said that the loan would be for a primary residence. 
- At the closing of my new house on XXXX XXXX, the closer noticed that the paperwork still had my home marked as a secondary residence. She advised that we continue with the loan anyway and that I should bring the mistake to Allys attention afterwards. After closing, I immediately phoned my loan coordinator XXXX XXXX and told him the situation. 
- Ally stated that the only way to change the status of my home to a primary residence would be through a refinance. In an email dated XXXX XXXX, XXXX XXXX, the person XXXX XXXX forwarded me to, said that interest rates had gone up and that he might be able to cover some of the costs but not all. 
- After they ceased communication with me, I threatened to report the incident to the Consumer Financial Protection Bureau. XXXX XXXX contacted me soon after, finally admitting to the mistake. He tried to convince me that there would be no adverse affects to leaving the loan unchanged. I did not like this option. 
- On XXXX XXXX, XXXX XXXX called me and left a voicemail. After apologizing and acknowledging that it was Allys mistake, she told me that she had the ability to change the residency without refinancing. I attempted to call her multiple times and left voicemails. Her voicemail to me on XXXX XXXX is the last communication Ally has made with me. 

Attachments : - Email showing that I noticed the mistake early and asked them to fix it. 
- Email showing that they would fix it. 
- Voicemail admitting their mistake and how they would fix it.
Product: Debt collection

Midland Funding is collecting the debt for my XXXX XXXX XXXX credit card. I have had health issues and unemployment which has put me far behind on repayment. Midland has repeatedly called me, from cell phones with US numbers, to demand payment with the threat to forwarding my account to an attorney for legal action. XX/XX/XXXX, XXXX and XX/XX/XXXX, " XXXX XXXX, '' ( they all use pseudonyms ) was the most aggressive. He called continually, though I explained I was unemployed and was having trouble meeting basic needs and that I could not spare anything to pay toward this debt. I said I would have to pay at least {$25.00} and agree to have the same amount withdrawn from my checking account, the next month as well, or my account would be sent to an attorney. I was told I would be contacted to set up another payment plan after these two payments. I blocked his calls after these payments. XX/XX/XXXX XXXX EDT, I received a call from a XXXX XXXX, CA number and it was " XXXX XXXX  '' from Midland. I had to explain at least 5 times the same situation as explained to XXXX XXXX XXXX XXXX. '' She continued to repeat herself about making a payment. I asked her to call back in a month which she said she could n't promise and that she ca n't control whether or not my account will be forwarded to an attorney. I repeated this back to her that, " if I do n't make a payment, you may forward this on for legal action. '' She stated she did n't say this. Verbatim, no, but it was strongly implied. I called back to get XXXX XXXX XXXX XXXX '' name since I was driving when she called. I was forwarded to " XXXX XXXX, '' who was very conciliatory once I shared my experiences with him and told him I will be filing a complaint. He is some sort of manager. I had asked if either debt forgiveness or reduction was something that could be discussed. He said their company has n't the ability to make those determinations but declined to tell me who to contact.
Product: Debt collection

I have spoken with 4 representatives about these re-aged accounts. Also, after speaking with hospital they have no record of my visit for the amount nor the date. Except from XXXX per business office. I can pull my medical records and see this is not a valid bill or collection. 
Medical date systems has these 2 accounts. 
Medical Data systems:XXXX : {$1100.00} Medical Data systems : XX/XX/XXXX : {$230.00} I am beyond frustrated. I will be also writing another letter to credit bureaus. An attorney suggested I file complaint. 
Much appreciated, XXXX XXXX XXXX
Product: Credit card

As a good paying Loyal Customer never paying latr, Citibank ( CitiCards ) closed my account with no notification or warning. 

I was induced into paying my aannual fee of {$450.00} on XX/XX/year>, with the chance of re-opening my Credit Card Account. 

The account was for the XXXX XXXX XXXX  XXXX Card wih an annual fee. I was told that the {$450.00} would be refunded to me because it was paid and the account was closed per their policy with in 37 days which is their policy Ctibank Lied to me, and I was told multiple times it should be refunded to me beause it fit into the 37 day windowm. 

They charged me for a closed account and never had any intention of refundme this amount. I paid this in Good faith, and Citicards actedin Bad Faith and fraudulaenty kept my {$450.00} for a closed account. 

I have spent counless hours and phone call in to Citibaks as recently as today, and was told again they will not and can not refund the $ XXXXCitibank ( CitCards ) fraudently kept my {$450.00} for a service and Card Benefits they did not provide to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting.

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. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Student loan

Navient, has made it hard to forgive the loan we have had for 23 years, as my wife is a XXXX  and I a XXXX. The loan keeps increasing it's loan payment higher and higher as it gets older. This loan practice sames odd. They are telling myself that my name is on the loan and not my wife 's, but they use her income and mine, to set payment and then tell me they can't forgive the loan, as her name is not on loan. I have been with this for a long time and will talk about documents if we may have a case.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$190.00} XXXX  - XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$4000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$180.00} INQUIRIES : 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 XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

hi this is the unsolved follow up claim related to closed claim no # XXXX. Ally bank claimed that they mailed the check of {$10000.00} to XXXX on XX/XX/2019. Before they mailed the check, I called ALLY customer rep-XXXX   XXXX multiple times to ask her to provide me the tracking number and also WHO she connected in XXXX that has aware of the check. but they only told me tracking number. They gave a call on XX/XX/XXXX after the check was delivered two days after. I called XXXX customer service, they told me the credit card depart received the mail, but as my account in XXXX of XXXX was already closed, and they can not allocate the check. so they sent a check back to ALLY bank on XX/XX/XXXX. I called XXXX XXXX several times to ask her to stop the payment and issue me a check directly or at least write the check to specific name and location of XXXX who can receive, otherwise XXXX will always returned the check, they will not give my money back. but like the previous, no one connect with me again regarding this issue.
Product: Debt collection

Received call XX/XX/2018 (? ) concerning credit bill. Company is Direct Recovery Services XXXX. During that call I stated I did not recall " XXXX '' and requested billing information. I since received a Text on cell phone and several automated voice mails from this company. On XX/XX/2018 I received a letter on letterhead stating I owed {$790.00} and call them for payment options. I was finally able to reach XXXX XXXX who did recall speaking with me in XXXX. I again requested detail billing information for credit card - I have been a victim of identity fraud and stated if the debt is mine I would call back to review payment options. XXXX stated she would have to " request this information '' I stated I thought that was done in XXXX. I stated I was not going to discuss payment options until I was able to verify the debt was/is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : File # XXXX I 'm complaining because Transunion have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from obtaining financing to purchase a home because of their wilful non-compliance with the FCRA. Thank you.
Product: Credit reporting or other personal consumer reports

I contacted all three credit bureaus to validate this debt. XXXX XXXX did not reply to the debt validation request. This debt is beyond the statute of limitations to collect and will reach XXXX to report in XX/XX/2024.
Product: Mortgage

On XX/XX/XXXX I received a letter from LoanCare stating that they do not have proof of hazard insurance, in which I ignored the letter because I knew that I had closed escrow on XX/XX/XXXX with XXXX XXXX XXXX XXXX with proof of insurance. 
On XX/XX/XXXX I received another letter second and final notice, at that point I contacted them and sent them the proof of insurance from XXXX. 
On XX/XX/XXXX I received a letter from LoanCare stating that the insurance will not suffice and that I had 30 days from the date of that letter or LoanCare will obtain their own coverage. 
On XX/XX/XXXX I obtained insurance with XXXX effective XX/XX/XXXX and had them sent the clause to LoanCare. 
On XX/XX/XXXX I received a letter from LoanCare stating that they charged me {$560.00} against my escrow account because they placed their insurance from XXXX. 
I called LoanCare several times to dispute the {$560.00} charge against my escrow account, following dates. 
XX/XX/XXXX no name rep... 
XX/XX/XXXX spoke with XXXX employee # XXXX, said someone was going to call me back... 
XX/XX/XXXX spoke with XXXX, was advised the same thing... 
XX/XX/XXXX spoke with XXXX, told me the same thing... 
XX/XX/XXXX spoke with XXXX, was told the same thing... 
XX/XX/XXXX Spoke with XXXX employee # XXXX he escalated to XXXX employee # XXXX he escalated to get a case XXXX assigned... 
XX/XX/XXXX XXXX employee # XXXX, told me escalation was received and waiting on insurance department... 
XX/XX/XXXX XXXX called with decision, they dont agree to refund and will keep {$560.00} charge .... 
Fax # XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Virginia XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having a problem removing fraudulent information from my credit profile, that is recorded with XXXX, XXXX, and transition. I was XXXX in ferderal for seven years and some used my information please have it all removed. XXXX XXXX XXXX XXXX XXXX, acct # XXXX, address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX , acct # XXXX, address : XXXX XXXX  XXXX XXXX, XXXX , VA XXXX. And there are about 5 inquiries on my report that arr fruadulent. Proof of my release and copy of ID with correct a dress is attached to this document.
Product: Checking or savings account

On Friday XXXX XXXX 2017 I made a deposit into my business checking accounts located at TD Bank. Made this deposit directly with the teller it was in the amount of {$7000.00} part cash part check. The check was from one of my other accounts located another painting institution also located in New York I confirm with the teller the funds would be available within 24 hours and upon return to my office I thought it was strange that I saw no credit of at least the cash amount I was assured by TD that there was no issue that my receipt was valid and that the account would be immediately credited I scheduled a wire transfer amounts to the IRS in order to pay estimated taxes along with other payments based on this representation and deposit that have been made Tuesday morning I woke up to a bank alert I thought it was two advise me that my account balance was higher than my daily average instead I found that my account was overdrawn by several thousand dollars Review of account activity said showed no fraudulent activity but that the deposit that you made still was not credited to the account Review of account activity said showed no fraudulent activity but that the deposit that you made still was not credited to the account communication with the bank assured me that this will be resolved by this morning and it has not as a result My account continues to be overdrawn automatic payments that are scheduled have been denied therefore impacting any credit report on my end Even the cash that was part of the deposit has been credited and a review of the banking institution where the other funds withdrawn shows that the check was presented to them and successfully transferred to TD therefore the issue Solely lies with TD at this point XXXX deposits by myself as of yesterday to this account did post but yet the larger deposit on Friday shows no history in my account whatsoever Business is essentially a standstill as this is my operating account and its for an attorney firm therefore checks to courts for filings can not be issued for the fear that they will be bounced based on the bank error If they had communicated if the issue at any point other arrangements could have been made on my end be it transfer of other funds cancellation of payments and/or delays to same so as to insure fast funding etc. yet instead no correspondence was issued by the institution at any point nor was there a clear alert on their website. Therefore causing unnecessary stress and confusion.
Product: Credit card

I, XXXX XXXX, have contacted Discover bank on numerous occasions since XX/XX/year> to discuss the laws that are being broken. I was never contacted back by the company. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 169lc and is pursuant to civil liability under 15 U.S.C 1692k.

Discover is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Discover due to the response I received.

Discover is in violation of 15 U.S. Code 1642. U.S.C1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was issued and then taken away without consent. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Discover.

If Discover fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card by REMOVING FROM MY CONSUMER REPORT, I will indeed make Discover criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. 


I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties.
Product: Mortgage

SPS Servicing. - Failed to help with foreclosure assistance, I have tried numerous times to explain my situation and SPS has failed to provide the required assistance to avoid foreclosure. During the assistance review, I was behind in paying my mortgage due a reduction in income and expenses due to family member losing their jobs. My mother also contracted XXXX XXXX and because of her medical issues, we incurred medical bills. When i applied for a foreclosure assistance, they sent me a modified payment plan with double the payment that i was accustomed before XXXX XXXX. This is totally unfair, they did not request my current paycheck or current finances to determine the prepayment plan. This is totally unfair especially during this tumultuous and hardship times that me as a single parent has to endure. The clear guidelines is to assist Homeowners in managing their payment after they return back to work, At the moment they call on odd hours threatening legal action. This is so unfair. I also applied for a subordination agreement and they failed to provide one citing numerous excuses and thereby ending up with me missing my chance of applying for a refinance with their denial of a subordination agreement. I have called several times and all the supervisors have no idea why the subordination agreement could not be issued, they promise to return call and never return the calls. Please do not ever use SPS servicing!
Product: Checking or savings account

Chime Financial , Inc. closed my account on XX/XX/XXXX without providing a legitimate reason. I had been a member since XX/XX/XXXX with no issues until now. I recently disputed several transactions, which I believe is their reason for closing my account, however they refuse to provide my with any information regarding any violations they claim were made on my account. They also lied to me regarding an appeal of the closure and possible reinstatement.
Product: Checking or savings account

On XX/XX/2024, I logged into my online banking and found that the information for my XXXX account had disappeared, and my debit card was subsequently declined. I contacted the customer service department of my financial institution for assistance ; however, they were unable to resolve the issue. The language barrier with the overseas representatives necessitated multiple attempts to communicate effectively. Ultimately, I was connected to a representative from another department who, unfortunately, also lacked the necessary knowledge and proficiency in English to assist me, and no translation services were offered. This lack of support from the financial institution has led to severe financial distress for me. It appears that the institution may be infringing upon my rights as stipulated by the Electronic Fund Transfer Act and the Fair Credit Reporting Act, given their failure to provide adequate assistance.