23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XXXX, I called XXXX XXXX XXXX to close my XXXX XXXX credit card. I made it clear that I was closing my card and wanted to make a final payment. I even asked if there were any recurring charges coming up for subscriptions. The specialist told me there were no recurring charges and what my balance was which I promptly paid. 

Two weeks ago I got a notification that my credit score has changed. I contact XXXX, they said a pending charge hit the day after I closed the account. 

So I am immediately paid everything over the phone and placed a dispute for the credit reporting because they did not send me any information about any additional charges or balances after I closed the account. Not a single statement, phone call, letter, email, or text. I monitor my account balances with a financial program and the balance had shown XXXX since XXXX. 

After they pulled the phone call, a supervisor called me to tell me that she listened to the entire call. She confirmed it was my intent to close my card, that I asked about recurring charges, and that my history showed I have never been late with any payments. She also confirmed that they did not send me any notifications. 

But she said that I did not specifically ask if there were pending charges and that even though the specialist could see that on her screen and did not inform me of that, that is not a bank error that is my fault. Unbelievable! 

I asked if I could escalate this to a manager and she told me she was a supervisor and that there was nothing I could do. 

This is an unfair trade practice and just plain bad business. They should correct the credit reporting due to their negligence and egregious behavior. 

Hopefully you have the ability to have those phone calls pulled to see how ridiculous this is. 

Thank you!
Product: Mortgage

Here we go again. Obviously Greetree is not overly concerned about their scamming tactics. This is the third complaint with CFPB about Greentree Servicing who continue with inaccurate billing and charges. 
Attached is a copy from my bank listing payments for my mortgage. {$800.00} dollars a month. My mortgage is {$700.00} a month. I have requested repeatedly that any additional monies always be applied to my principle balance. Instead it is put in an " unapplied funds account ''. Not applying the additional money to the principal interferes the mortgage being paid down accurately. 
XXXX 2015 billing statement reflects XXXX due when only XXXX is was due. So calculations for remaining balance would not be accurate. When I called the company therepresentative, XXXX stated the XXXX 2015 payment was dislocated. And again the same thing happened XXXX 2015. My payments are made electronically. No excuse for saying it as dislocatedSecondly, when the billing statements come in the mail they do not reflect the true balance remaining. I have requested a payoff statement several times and have not had I response from the company I am so close to paying off the house. But with the tactics this company practice I no doubt I will have over paid monies to them. 
I want an accurate payoff statement mailed to me. And from this point on I want any and all additional payments to be applied to the principle balance. All future billing statements should accurately reflect what the remaining balance is. This is the second time that I have filed a complaint with CFPB that pointed out similar incidents.
Product: Mortgage

We were behind in our mortgage for years due to a illness in our family. We finally were able to get help for our son, but the process took it 's toll on us financially as well as emotionally. Once we were able to place our son in a facility where he was able to get the help he needed, now in recovery, we were able to reclaim our lives and get our business back on track. Over the last 1-1/2 years, we have been earning an average of $ XXXX, and more than enough to pay our mortgage. We attempted to modify our loan and over the last 6 months showed the bank, PHH Mortgage Services representing Coldwell Banker, that we had been earning steady income and more than enough to pay our mortgage. Ultimately, PHH denied our application and our home was foreclosed on XXXX XXXX. We sent a certified letter requesting the reason for the denial and have not had a response.
Product: Mortgage

Hello, I have a mortgage with  Citizens One  home loans and a checking account with Citizens Bank, a stipulation of obtaining the mortgage, from which the monthly payment is automatically deducted. On   XX/XX/XXXX  ,  Citizens One  tried to pull the regular monthly payment from the account, but there were insufficient funds. On the online banking, there was actually a negative balance and I thought that the overdraft protection took care of it. Then, the funds were returned. Then they tried again. I transferred enough into the account to cover it on   XX/XX/XXXX  , but it took  XXXX  business days to clear, and  Citizens One  tried AGAIN on   XX/XX/XXXX   but they had n't arrived yet. My funds cleared on   XX/XX/XXXX   but  Citizens  stopped taking the payments and reported me lat e 30 da ys for   XX/XX/XXXX   and  60 d ays for   XX/XX/XXXX  . The funds sat there and the bank did nothing.     The result has been devastating : My credit went from the high  XXXX  's to  XXXX .  One creditor closed an account on me. I am now applying for a new m ortgage, and it is going to cost  me tens of thousands of    dollars more over the life of the loan because of this mistake.     I have contacted  Citizens One  on a number of occasions. Their response is that they had sent me letters. I was not in New York from   XX/XX/XXXX  -  XX/XX/XXXX   so I did not receive their letters. They said they made phone calls. I did not receive any phone call from  Citizens One . I asked why they did n't email me and they said they do not email. I asked why they did not take the funds from the account when they clearly saw them in there. One woman said they have " nothing to do with Citizens Bank. '' ( I was obligated to open this account when I got the mortgage, but then they have " nothing to do '' with  Citizens  Bank  ).      Today I spoke with  XXXX   XXXX  at  Citizens One  and she maintained that she * can not * my credit report because " they payments were late. '' I agree, the payments were late, but *only because the bank did not collect the funds from the account. * Since the mortgage was opened in   XX/XX/XXXX ,  the mortgage has been paid on auto-pay. You ca n't stop accepting payment and then tell me I am late! These marks are devastating to my  credit score  and history and completely unfair and untrue and do not paint an accurate picture of my creditworthiness. You can see by the attached Citizens Bank checking statement that they kept trying to take the funds and that I transferred the funds. All was well by the  * XX/XX/XXXX   of the month* and then it escalated to being late  30 days then 60 days! This is not an accurate picture of what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I went out of the country for a family vacation starting XX/XX/XXXX and returned on XX/XX/XXXX. I provided my boarding passes to the bank as evidence. While I was out of the country there were unauthorized transactions on my account in the amount of {$5300.00}. I notified the bank on XX/XX/XXXX of these transactions. Shortly thereafter they denied my claim. I appealed it and they still denied it. When I asked for documentation they told me i could view my account statements.
Product: Mortgage

Tried to Modify with XXXX XXXX XXXX representing me in Federal Court and was put into the courts masters program. Then my case was withdrawn from the federal court and was supposed to be put into state court, XXXX committed XXXX. Have been working with a local company after FHA loan was sold from XXXX to XXXX and became a non FHA and then sold to Shell Point Mortgage servicing and was denied numerous times in 2 years. There was no mediation, ShellPoint was and still is conducting UNLICENSED business in my state, and RI Housing issued a Certificate of compliance to forclose when the company is not licensed which is a severe compliance issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$51.00} XXXX XXXX  XXXX Balance : {$51.00} XXXX XXXX  XXXX Balance : {$51.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The previous complaint about the same company resulted in a response from them. Their submitted documents ( my insurance policies ) clearly show that windstorm coverage was excluded. Their response indicated windstorm insurance was NOT excluded, but you can clearly see that it was. This is Their XXXX  that they want me to pay for.
Product: Credit reporting or other personal consumer reports

This despicable fraudulent crooked company has now over XXXX of these phony notifications PLOY PLOY PLOY PLOY PLOY PLOY PLOY SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit card or prepaid card

On XX/XX/2019, I was the victim of a so-called " Gift Card '' scam from people pretending to be with XXXX Technical Support. As part of the process of the scam, they got me to charge at total of {$10000.00} on three credit cards : {$3000.00} to XXXX XXXX Visa, {$4000.00} to Shop Your Way ( Citi ) MasterCard, and {$3000.00} to Best Buy ( Citi ) Visa to purchase XXXX and Best Buy Gift Cards and give them the numbers. I have contacted the card holders. Only XXXX XXXX has been responsive. They have temporarily put {$3000.00} back into my account, although it is on hold pending their investigation. Citi has said they are not responsible for refunding my money because it resulted from a scam, not a lost card or fraudulent use of my card. I am hoping you can help me get my money back from Citi. I realize now how stupid I was to fall for this, but I am now on the hook for at least {$7000.00}. Please see the attached report I filed with the Federal Trade Commission for more details on this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX  Experian and XXXX XXXX regarding old car loans that are eight years old and over and another one thats almost 6 years old almost 7 that are no longer open with credit acceptance. None of these agencies have bothered to close the accounts I have contacted them multiple times as well. Consequently I can not do anything and my credit score is abysmal.
Product: Credit reporting or other personal consumer reports

I HAVE TWO ACCOUNTS WITH XXXX XXXX SHOWING ON MY CREDIT REPORT I DID NOT DO BUSINESS WITH THEM AND FTC HAS BEEN FILED REPORTS HAVE NOT BEEN WORKED PROPERLY BLOCKS HAVE NOT BEEN PLACED. STATED I NEEDED TO INCLUDE SS WHICH IS NOT ON THE LIST OF DOCS THEY REQ THEY NEED TO WORK THIS OR RATHER BOTH OF THESE ACCOUNTS ASAP!!! 

XXXX IS ALSO NOT MY ACCOUNT FTC WAS NOT ATTACHED.
Product: Credit card or prepaid card

I went on XXXX XXXX XX/XX/XXXX and ended up in the hospital till mid XXXX. Went on vacation in Florida XX/XX/XXXX thru the XXXX, after the management meeting i had with the time share resort I'm apart trying to get rid of the property since i'm no longer in good health or finance to keep it, my cell phone and wallet were stolen. i tried calling on a land line to claim it had been stolen but was told that i had to call from a number registered to my card. i don't have a land line only the cell phone that was stolen. I didn't have the things i needed to get a new phone with me. With my health and life getting in the way i was not able to get a new phone till XX/XX/XXXX of XXXX, by then the thief had used my phone to charge over XXXX to my bank of America card and various other credit cards. i called all of the companies and told them what had happened they took care of it right away. Bank of America on the other hand keeps saying I'm on the hook and it wasn't fraud. I am very sick and with covid 19 i have not been able to work i am a single a mother I can not pay XXXX for someone else using my card.
Product: Credit reporting or other personal consumer reports

I have been contacting equifax to unblock my credit because my score is not showing up and they tell me I don't have enough information.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 to be updated. 


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 EXPERIAN 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, credit repair services, or other personal consumer reports

ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX Balance ; {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} Chapter XXXX bankruptcy dismissed Reference number : XXXX Filed on XX/XX/XXXX Chapter XXXX bankruptcy dismissed Reference number : XXXX Filed on XX/XX/XXXX Chapter XXXX bankruptcy dismissed Reference number : XXXX Filed on XX/XX/XXXX Chapter XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed again my Equifax credit report and found that they are still reporting inaccurate and incomplete information for XXXX XXXX # XXXX and XXXX XXXX # XXXX accounts. On the XXXX XXXX account there is No Date of Last Activity, No Date of First Delinquency, and No Date of Last Payment, all are required to determine the Drop Off Date from the report, which is also missing. The Payment History is incomplete and missing large areas of data, there is No High Credit Limit, No Credit Limit, No Designation for Owner, No Actual Payment Amount, No Scheduled Payment Amount, an Incorrect Delinquency First Reported and No Close Date. All of these inaccuracies and incomplete information are FCRA Violations with monetary penalties! On the XXXX Bank account there is No Date of Last Activity, No Date of First Delinquency, and No Date of Last Payment, all are required to determine the Drop Off Date from the report, which is also missing. The Payment History is incomplete, there is No Account Balance, No Amount Past Due, No Actual Payment Amount, No Delinquency First Reported Date, No Charge Off Amount, and No Close Date. All of these absences are FCRA Violations and a clear violation of my FCRA rights. I have downloaded and attached my most current Equifax Credit Report ( XX/XX/2023 ) with all these FCRA Violations highlighted and circled. They will be used at civil court as evidence if my consumer protection attorneys move forward with this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified return receipt letter to this company dated XX/XX/2020. I have proof that the company received the letter. I also issued a dispute to XXXX, XXXX, and XXXX. To date, I have received no correspondence from the company and they have continued to report inquiries on my credit report. I did not authorize this inquiry at all, and they had not permissible purpose to make an inquiry on my credit report.
Product: Mortgage

XX/XX/XXXX XXXX Dear Insurance Claims Department I am writing to submit this complaint about the XXXX XXXX  company regarding my claim for repairs for my roof, kitchen damages and the entire air conditioner system. These damages were caused by Hurricane Irma Category 5 in XX/XX/XXXX. I filed a claim for {$55.00} XXXX dollars to take care of my repairs and I received the check from the insurance company that was endorsed to me, XXXX XXXX, the insurance adjusters and the mortgage company. The check was dated XX/XX/XXXX and was valid for 90 days. I contacted Ocwen Loan Service, LLC, PHH Mortgage that is now XXXX XXXX, c/o PHH Mortgage Services in writing and by phone to ask for my check to be sent back to me for several months to date and you have not heard from any of these companies and I have not received my check to date. Im sure they have cashed my check after all this time. They should have responded to me within 10 days after they received the check that was endorsed to me and I have not heard from them to date. I know they must be in violation of the law. My situation is they think they can take my check, because the property is not in my name but I am still living in the property while this case is in ligation. 
Please find attached the costs and fees for repairs from my contractor from Hurricane Irma Category 5 in XX/XX/XXXX. There is no explanation as to why the check enclosed to me for my claim sent to the mortgage company by certified mail has not been signed and released to me for the property located at : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX which was in my name during the time this claim was filed. 
I look forward to this matter being resolved as soon as possible. Thank you. 

Regards, XXXX XXXX XXXX/ XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX