23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX 2010 I had a credit card that went into collections and got sold to Cheek Law offices/XXXX XXXX XXXX XXXX I explained to them i was struggling and having a hard time even keeping a place to live. They would n't work with me even then, they proceeded with a judgment against me i was XXXX at the time so i was fresh into this and had no clue what i needed to do. I called them after i got the letter from court and asked them if i needed to appear in court as well, they told me no that i did n't need to appear so i did n't go to court. The judgment was to garnish my wages. They just now put in the order to garnish my wages more than XXXX years later. This was a credit card for XXXX dollars and they are now asking for XXXX. They want to garnish my wages for {$500.00} a month. I offered them {$1000.00} to settle or i would take that {$1000.00} and file bankruptcy chapter XXXX. They still refused to take that settlement. I also offered to pay them {$100.00} a month, they refused that as well. I can not afford {$500.00} a month this will leave me homeless and possibly unemployed. I think the way they are handling things is unethical. I have explained my situation to them and they are not at all willing to work with me. I also do not understand how a lawyer can charge me interest. I also find it convenient that after over XXXX years after the judgment when the money has racked up then they all of a sudden start to garnish my wages. If they would have garnished them right after the judgment then this would have been taken care of a long time ago. I feel they waited this long to do so because they wanted more money, which is not fair.
Product: Credit reporting or other personal consumer reports

My XXXX XXXXXXXX account which starts with XXXX XXXX XXXX XXXXXXXX is reported closed on XXXX and Equifax. This account is currently open and XXXX XXXX also confirms that. However, it is showing closed status on both credit bureaus and I have disputed this twice but the outcome still shows that the account is closed. This account is currently open and I use the card for groceries and other purchases with regular payments to keep my credit usage low. Please kindly help me fix this thing. I dont know why there are differences in my credit reports.
Product: Credit reporting or other personal consumer reports

Per attached screenshots, this is in regards to DEPT OF ED/XXXX as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on XXXX, XXXX on Equifax. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates.

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX : ACCORDING TO XXXX XXXX XXXX 1997, XXXX IS SUPPOSED TO ENSURE MAXIMUM POSSIBLE ACCURACY. THIS ACCOUNT VIOLATES THESE LAWS. 15USC1681I, 15USC1681S-2. 15USC1681I ( 5 ), 15USC1681E ( B ). DELETE ACCOUNT According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report
Product: Student loan

I signed up for email notifications with ACS. ACS agreed to provide me with email notifications when payments were due. ACS provided me a notification of a payment due on XXXX XXXX, 2015. From that point forward, I did not receive any notification from ACS of any payments due until approximately XXXX XXXX, 2015. On approximately XXXX XXXX, 2015, I received a phone call from ACS informing me that my account was severely past due. I asked how this could be, because I had not received any email notifications. I made a payment to bring my account current. Because I had not received any payment notifications from ACS in several months, it was my understanding either that my account was on auto-pay, or, that my account was otherwise in good standing. 

In my view, this constitutes a deceptive and unfair trade practice. It is deceptive for ACS to offer an " email notification '' option, wherein it represents that it will send a borrower email notifications when payments are due, and then not honor that representation. 

I understand how busy the CFPB is and I understand that you have many more compelling cases to consider. However, I believe that this merits investigation. To put it simply : A few months ago, I had a credit score of XXXX. I was going to buy my first house XX/XX/XXXX. I just pulled my credit report tonight and saw that, as a result of this ACS situation, my credit has collapsed to XXXX ( lower on certain reports ). This is devastating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Response on XX/XX/XXXX Report # XXXX to response by XXXX on XX/XX/XXXX I did not apply for no loan with XXXX XXXX or sign anything with the XXXX dealership giving them permission to run credit by XXXX XXXX for a auto loan. I sign the original credit application with XXXX XXXX XXXX due I had already spoken to them about getting the loan for the new car. I also made it clear only run it with XXXX XXXX and the salesman came back to ask me to run it with XXXX for cheaper interest in which I did that's all that was sign by me. This application sent or done by XXXX XXXX  XXXX XXXX made claim by XXXX XXXX on XX/XX/XXXX in which the application is not dated sent by XXXX in which is not my date of birth on that application or driver lic number or social security number is all wrong. I don't no why XXXX responded on XX/XX/XXXX with a XXXX XXXX Retail Agreement in which is the agreement papers I sign with XXXX XXXX XXXX not XXXX sent a copy of XXXX XXXX retail agreement in which has nothing to do with XXXX and the application with all the wrong information with no date. XXXX is doing nothing but the run around. with the application mailed to me with no date wrong drivers license number wrong date of birth. I did not sign this application made in fraud by XXXX XXXX   XXXX XXXX. I'm also turning the documents over to my attorney as he has look them over if this issue is not resolved. I'm also filing with the US Attorney office and the documents as proof fraud was committed by XXXX XXXX XXXX as well as XXXX XXXX  by there claim on XX/XX/XXXX in which my documents all show XXXX XXXX
Product: Credit card

I called BOA to settle an outstanding debt for XXXX. I was driving during the call and offered to call back when I raised the money no later than XX/XX/XXXX. I was told no problem. A week later BOA called me back and asked for an additional {$76.00}. Confused they said they did not get the post dated payment. we review the previous call and they agreed to take the money but no post dated payment. There were 2 more calls saying the settlement was denied because they did not have a source of the money which my wife was giving me. She was borrowing from another source. I explained my business was sold and i was left with XXXX in debt and was denied unemployment at this time. I am trying to settle an pay all my bills instead of filing bankrucpy. So they agreed and now 3 days later we got another call saying the settlement was denied unless we pay an additional {$76.00} more again.
Product: Mortgage

Bank of New York Mellon attempting to foreclose on my property. THey hold no legitimate lien on property, no loan exists in my credit report.
Product: Debt collection

Reliant Capital has called my family members in search of me. I was contacted by my brother today at XXXX XXXX  about them calling him. I have attempted contact and have not heard back.
Product: Vehicle loan or lease

I need for my late payments that are being reported removed. It is preventing me from qualifying for a home loan for my son and I. I am a XXXX XXXX XXXX and need a loan for a place to live. 

This is preventing that.
Product: Vehicle loan or lease

RateGenius made multiple " offers '' to lower the rate on my current auto loan. They had several offers with different rates and different loan terms. I chose to go with the 3.5 % rate for 60 months. I clicked the " disclosures and details '' tab and it gave a very detailed breakdown comparison between my current loan and what new loan would look like and how much I would save on my monthly payments as well as the overall interest savings over life of loan. It showed my current lender, exact current loan balance, current loan rate, how many months of payments I had left. ( My auto is brand new and I had 58 payments left on a 60 month loan ). It showed every possible data fact regarding my auto loan! They even had my Vin # on my vehicle. So I clicked the " TAKE OFFER '' tab. They confirmed my address, birthdate, and cell #. They did a hard inquiry on my credit reports. They sent me a text about an hour later that said " Congratulations! Your loan is approved! Call us! '' So I called. As soon as he was on the phone he said. " We will not be able to beat your current auto loan rate. That's a very good rate. We will be much higher! BUT, what we CAN do is refinance your loan for a lower monthly payment. How does that sound? '' A complete Bait and Switch! They had zero intentions of refinancing my loan or anybody elses loan at 3.5 %! They used a fake rate to trick me into makeing loan application. Just so they could get me on the phone with a loan officer and hopefully refinance my loan at a higher rate and a lower monthly payment. A complete waste of time with their very misleading " offers ''. They damaged my credit score! ( It dropped 8 points )
Product: Debt collection

American Medical Collection placed an erroneous item on my XXXX Credit report. I have disputed this item once and again today, XXXX XXXX, 2016, but TransUnion claims it was verified. I called this collection agency and encountered unprofessional customer service where the rep claimed she could not find the claim. Informed her that I have Medicare and XXXX XXXX XXXX XXXX -- what is not paid by Medicare is paid by XXXX. The rep hung up without assisting me. I called again after disputing with XXXX and, again, explained to the rep my medical insurance. She asked for my Medicare # and stated that she would bill Medicare. I demanded that she immediately remove this erroneous item from my XXXX report, and she laughed and stated that she would not. This is a {$120.00} XXXX charge that should not have been sent to the patient. In essence, American Medical Collection is committing Medicare fraud.
Product: Debt collection

I had an account with XXXX XXXX that went to AFNI collection agency. The original debt was for {$470.00}. I settled the debt with AFNI for {$230.00}. On XXXX XXXX, 2015, when I settled, I paid half of the settlement which was {$110.00}. It was n't until recently when I went to pay the settlement off that AFNI sent the collection BACK to XXXX XXXX on XXXX XXXX, 2015. AFNI told me to call XXXX to conduct any business/payments regarding the account. I called XXXX, they referred me back to AFNI. I went back & forth several times with both companies because AFNI said they could not do anything on the account because they no longer had the account. XXXX told me that AFNI never notated the account properly, so they do n't have any record of any settlement. They only have the original balance of {$470.00}, minus the {$110.00} payment that I made. So XXXX wants me to pay {$350.00} to pay off the account instead of the settlement amount that should have been documented by AFNI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid off and has a XXXX balance, I have tried to call the corporate office to speak to someone but the line disconnects.
Product: Debt collection

They robo-dial my number from XXXX. When I answer a computer picks up and says wait for an account manager. I wait then it hangs up on me. This has been happening for a week now. When I call in a automated system answers and outs me in que eventually a human answers and Identifies themselves as American Medical attempting to collect a debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a XXXX XXXX Account balance that was charged off with the IRS and received a tax benefit of a tax credit. Please find attached XXXX that shows that although XXXX card has plainly charged off this debt but failed to file a XXXX for the benefit of the debtor. Case law provides that if a creditor takes the position to charge-off of a debt owed by debtor, that they can then no longer report this debt as outstanding on debtor 's credit report as that would be INACCURATE. I request that all bureaus cease the reporting of this account on my credit report. I demand that this be deleted. I am currently homeless and it is illegally reporting this debt on my credit report after they have received the tax benefit. I never received the XXXX so I filed XXXX on behalf of XXXX as is beyond 36 month requirement to file and provide the debtor with a copy. I demand that this account is removed from XXXX, XXXX and Equifax as it is inaccurate. 

See, e.g., In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX. XXXX XXXX ) ; XXXX Bank XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( Ct. App. XXXX ). In XXXX recent case, a federal district court found that a creditors issuance of a Form XXXX is enough to plausibly suggest that Plaintiffs indebtedness XXXX cancelled. XXXX v. XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, at XXXX ( XXXX XXXX. XXXX XXXX, XXXX ). In making this determination, the court noted that XXXX of the XXXX identifiable events listed in XXXX C.F.R. XXXX that trigger a creditors duty to issue a Form XXXX are all forms of debt cancellation. Id. Further, some courts have reasoned that it would be inequitable to allow a creditor to pursue further collection of a debt in cases where the debtor, in reliance on the Form XXXX, includes the cancelled debt in his or her gross income when filing his or her personal income tax forms. XXXX XXXX, XXXX B.R. at XXXX ; In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX XXXX XXXX ). 

Therefore, in addition to removal of this account from all my credit bureau reporting agencies immediately, I would like to compensated damages for the reporting on my report illegally for every year that this was illegally and inaccurately reported.
Product: Money transfer, virtual currency, or money service

Yesterday I ordered a wire transfer online to be made by my bank, Citibank. They suspended the wire, telling me that they had a new policy that al wires are delayed foXXXX XXXX XXXX. However, they debited my account by the amount of the wire immediately. So it sounds like Citibank has decided to keep the interest on all wire transfers for XXXX XXXX If this isn't illegal, it ought to be!
Product: Mortgage

Set up to to a mortgage refinance through M & T Bank. My closing costs were estimated at around {$9000.00}. When the paperwork was done closing costs for a house I already OWN was over {$14000.00}. I tried to fight this huge difference to no aval. This affected the money we got back from a HELOC we took out to do home improvements. We want to continue doing home improvements but cutting into out HELOC is a big issue. This all started on back k. XX/XX/XXXX when we reached out to MTB for information. We are closing on Friday XX/XX/XXXX. We are closing because our rate lock expires and we can't risk losing our interest rate. We feel it is hugely unfair to pay so much in closing costs for a home we already own. It takes money out of our pockets. The company did nothing to reduce out costs besides taking away the origination fee. I tried everything to get them to help especially since I've been a customer there for a very long time. Please help us in this situation it is truly unfair.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiry listed below. However, this inquiry was not authorized by me. Therefore, I'm sending this complaint to dispute this inquiry and have it removed from my credit report. 
XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I paid my credit card off in full. {$1400.00} which brought my card to a XXXX balance. I hadnt used the card in over a month. Then suddenly on XX/XX/XXXX Capitol one charges me {$22.00} for an interest fee. No other purchases were made!! Interest on WHAT? A XXXX dollar balance? How can you charge someone interest on XXXX DOLLARS? So I paid them and canceled the card. This is a total scam.
Product: Credit card or prepaid card

I brought this problem up to first progress about my car being sent to collections I paid the collections and they still have nine charge offs reporting on my credit report I called and asked them to remove and they gave me the runaround
Product: Credit reporting, credit repair services, or other personal consumer reports

A joint bankruptcy which was filed in XXXX of 2013 still appears on my Equifax and other credit reports. Im asking that this now be removed as it was discharged and more than seven years have passed. This case was filed in XXXX. I now reside in XXXX. Thank you very much. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$25.00} When I requested for the money I sent by mistake, I was informed that they would not acknowledge it and there wasn't anything they could do about it.
Product: Credit reporting or other personal consumer reports

For the company to do what is fair and equitable to me as a consumer by deleting items identified as identity theft, erroneous, & inaccurate from my consumer report. I will be seeking a {$1000.00} monetary remedy for each item that is a violation of my consumer rights.