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

I have a hard inquiries on my credit that I was never aware of. I dont recognise it at all I just got into my credit report and seen it I didnt recognise them at all thank you very much!
Product: Vehicle loan or lease

I have been making extra payments to my account to go to the principal amount and Ally kept the money towards future payments. I called after the first time that they did not allocate the additional monies I sent to principal and they said " they do not do that '' - it could only be held for future payments. I checked with other people who told me that if I asked for it to go to principal that it should and I called again and they said they needed my request, in writing. I wrote them an email through their online system and again they said they do not do it that way. I wrote again and asked for an accounting of my accounts and they said they do not do that. My wife then called them ( with my permission which I gave them on the phone ) and she kept escalating it until she got someone who said they would send out an accounting of monies paid throughout the time we have been paying - since XX/XX/XXXX. On the payment history, it says " unpaid balance '' {$8100.00}, but then it states below that the remaining unpaid balance is {$8500.00}. My monthly scheduled payment is {$290.00}. They STILL have not re- adjusted or re-ammortized - in the account online - it states that they have taken the recent additional payments towards future payments and that my next payment of {$180.00} is due on XX/XX/XXXX. I also believe they do not ammortize their loans properly. I have had many loans over the years and have never seen one that the interest rate and principal " fluctuate '' instead of going up and down as on an ammortization schedule.
Product: Credit card

Company instructions was for me to go through the credit bureau so I contacted XXXX and they told me to go this route and and file claims on each card. I did not authorize this card and the bank said it was denied so I just want the inquiry removed.
Product: Mortgage

I started a refinance process with Mr Cooper ( Nationstar Mortgate ) to  refinance my home mortgage. I started this process on Friday, XX/XX/XXXX with XXXX XXXX at Mr Cooper. On XX/XX/XXXX I was informed that I would have to pay an appraisal fee of {$530.00} to continue the loan process and no other information regarding fees or penalties. I received information on paying the appraisal fee over the weekend while I was out of town. 

On Monday, XX/XX/XXXX I spoke to XXXX at Mr Cooper and informed him I wanted to wait until Friday XXXX to pay the appraisal fee of {$530.00} in cash. He informed me at that time that if I did so, he would have to extend the lock on the loan and that I'd have to pay a {$600.00} fee in addition to the {$530.00} and " potentially a bunch of extra fees ''. He asked me to give him a credit card to pay the appraisal fee to prevent these extra fees or I had to cancel the loan. 

I asked to speak to his manager. He sent me an email with his manager 's information in the text. I called the associated number but it was a voicemail with another phone number to call. At this time I raised a complaint to Mr Cooper 's complaints department. 

At no point was I informed that I would have less than 24 business hours to pay the appraisal fee or risk additional, much larger fees. Mr Cooper threatened to cancel my loan process or charge me additional fees as a result of not completing their process in less than 24 hours.
Product: Debt collection

tsi a debt collector compay sent me a bill showing that I owe XXXX   dollars regarding unpaid toll fee with XXXX  on XX/XX/2017 ( XXXX  for toll fee and XXXX dollars for debt collector fee ).

I was disagree with this action because I remember I paid the toll fee in cash at that time and I travel to New York once a year and even if this is true that I may owe to XXXX   the amount of XXXX us , I did not reveive anything by mail from.

The debt collector company is trying to make me pay the total amount of XXXX us $ which I dont accept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have several account that do not belong to me. I would like for them to be removed from my credit report. Please see below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ALSO THEIR ARE SEVERAL HARD INQUIRIES THAT ARE NOT MINE PLEASE DELETE : XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX   XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account name ( 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Hey, I have NOT received my refund credits! I have searched all my orders and I do not have an order number of this kind ( order # XXXX ) as stated by KLARNA! Plus the company usually sends an email when giving out credit/adjustments. I have NOT received either and I am beyond frustrated! I have other stuff to send back but I am scared since this company is not giving me my credit for returns! This is a poor practice! I DO NOT WANT TO PAY FOR ITEMS I HAVE RETURNED!!!!!! Send me my credits! The reps told me the credits had not go through yet but now this company is saying different- this FRAUD!
Product: Mortgage

My XX/XX/20 Heloc Bank of America statement is incorrect. 

The Total Principal Balance of {$64000.00} is overstated by {$4300.00}. Using the Bank 's statement Beginning Balance and applying all the transaction detail provided, the correct Total Principal Balance is {$60000.00}. 

Bank of America is fraudulently claiming an excessive amount over what is actually due. 

Bank of America claims an amount past due of {$220.00}. The {$220.00} due was paid timely on XX/XX/20 with good funds. 

Bank of America is fraudulently claiming a Minimum Payment Due of  {$450.00} which is overstated by {$220.00}.
Product: Credit reporting or other personal consumer reports

I want to inform you that I have been a victim of identity theft. This letter serves as a formal dispute of the following account on my credit report. This account is fraudulent and Im not sure how the theft took place on my report. The bank has already removed the account from the other bureaus and Im wondering why you still reporting this on your bureau. This is driving me nuts on what kind of dispute process are you doing. Please delete this remaining account from your bureau XXXX XXXX XXXX.
Product: Debt collection

BARCLAYS BANK DELAWARE/ CHARGEOFF Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX  : house of XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <XXXX XXXX XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

Notice Period I hereby give you 10 ( ten ) days from the date of this notice to reply to it with a Notice, sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Notice of Terms Your said failure to provide the aforementioned documentation within the said ten days to validate the debt, will be taken to constitute your agreement by acquiescence to the following terms : 1. That the debt is in fact either invalid, did not exist in the first place or has already been settled in full.

2. That for any damages I suffer you will be held culpable 3. That any negative verbal or written remarks made to a credit reference agency will be removed.

4. That estoppel results, ( meaning that you can not and will no longer pursue this matter any further ).

Accordingly, the minimum you must do in order to carry on a lawful and honourable dialogue in this matter is to reply appropriately in some way within the ten-day period. Should some such reply not be received within this time you may as courtesy be sent a further and final notice confirming that the status of the alleged debt is as stated in the paragraph immediately above this one, although this is not lawfully required. BARCLAYS BANK DELAWARE are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Debt collection

Portfolio Recovery Associates is reporting an account on my credit report. I have no signed contract or any contract with this company. I have never done business with this company. I am not liable for the debt they say I owe. I would like for this company to delete their tradeline from my credit report. I am not responsible for this debt they claim that I owe. I asked this company for validation that I owe the debt. They responded with a bill that has an address that has never been an address of mine. Im not the responsible party. Furthermore, this debt was placed on my credit report without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection of {$90.00} showed up on my credit report on XX/XX/XXXX for an unpaid XXXX XXXX bill in XX/XX/XXXX. I quit claim deed and was no longer the owner of the property in XX/XX/XXXX. Apparently the tenant of the property did not pay their electric bill in XX/XX/XXXX and XXXX XXXX  filed the collection against me and sent to collections through L.J. Ross & Associates. I filed a dispute with XXXX, XXXX and XXXX. Both XXXX and XXXX confirmed I was not the owner and deleted the collection from my credit report. XXXX has not deleted this collection from the credit report.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding the inaccurate reporting of late payments on my XXXX XXXX XXXX account : XXXX Date opened : XX/XX/year> Despite my timely payments, XXXX has continued to report late payments inaccurately, which is a violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. 

I have reviewed my account history thoroughly, and all payments were made in accordance with the terms of my agreement. The continued misreporting of this information has significantly damaged my credit score and overall financial standing. This is not only unjust but a violation of my rights under the FCRA ( 15 U.S.C. 1681 ), which mandates that all information on credit reports must be accurate and fair. 

I am requesting the CFPB to investigate this matter urgently and hold XXXX accountable for their non-compliance. I demand the immediate removal of all inaccurately reported late payments on my XXXX account to prevent further damage to my credit profile. 

I appreciate your prompt attention to this matter and expect a confirmation that an investigation has been initiated within 15 days. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I sent a dispute letter to Experian regarding an account on my credit report by the name of XXXX XXXX. I informed Experian that they were reporting inaccurate information because I have never been late on this account. XXXX and XXXX are not reporting any late payments, so I am confused as to why Experian is furnishing this incorrect information. I have already asked your company to validate the inaccurate reported late payments and you have failed to do so in over 60 days which is a violation of the FCRA and negligence. Please see the attached dispute letter and remove the aforementioned account and unauthorized inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have only disputed this with the credit bureaus. I do plan on reaching out to the company ( LVNV Funding LLC ) as well but also thought to go on ahead and file a complaint because : this account keeps changing dates constantly and consistently reporting over and over again as a " new '' collection, a recent collection, a just now occurring collection ( dragging down my XXXX XXXX ) and I don't know how or why they can keep doing that.
Product: Mortgage

In XXXX XXXX a statement was sent from Capital One that clearly stated I had several options to pay. I picked interest only. It was later determined they made a mistake ( but up to this time they have never admitted it ) They did not apply the amount I sent instead put me delinquent and have since, done nothing but harass me for their error. The loan is adjusted every year and I now pay an amount that will pay the loan off in the time required. I have proof positive that every payment has been paid and on time. By the way, I have never been late on my mortgage payment in my whole life of home ownership including with Capital One. They are now demanding funds that far exceed the amount I owe and have threatened foreclosure if I do n't pay by XXXX XXXX, XXXX.
Product: Debt collection

On XX/XX/18 UNION ADJUSTMENT COMPANY fraudulently placed a negative collection account on my private consumer credit profile. This company is trying erroneously claim civil dispute between them and I for an alleged debt that is not owed to them nor the company they represent. The UNION ADJUSTMENT COMPANY did not provide any services nor provide any goods to me and has no rights to any debts owed. The Fair Debt Collection Practices Act clearly states that a debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Being that there is no agreement between the plaintiff and the defendant, that would mean the Plaintiffs collection attempts can not be sustained and are in fact fraudulent. They are also in violation of HIPPA Privacy guidelines and have illegally furnished my information without prior consent. The plaintiff is trying to illegally re-age an account in an attempt to collect a debt not owed to them. They are an unqualified third party and a liability which offers no assistance to this alleged civil dispute. If they are the Fiduciary in this matter, I need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for them to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including their fraudulent reporting to various credit reporting agencies. They are attempting to enter into an alleged civil dispute without the contract and/or my permission and are in trespass. ( XXXX XXXX XXXX   v XXXX XXXX XXXX XXXX ( XXXX ) ). They must Produce a Contract, Delegation of Authority, Regulatory Authority or cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signer of the Original Contract, you are a third party. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an Unqualified Third Party. The laws in this country do not provide a remedy for a collection company that knowingly and voluntarily takes on a bad debt and then goes after the alleged debtor in an attempt to collect that suppossed debt ; therefore, the Plaintiffs actions fall under the precedence set forth in scienti et volenti non fit injuria. They are ordered to remove the negative and fraudulent reporting of a collection on my consumer credit report and vacate any judgments they have put forth on the public record. They are not allowed to resell this alleged debt to any other company and will report it as a loss in their books. They should be advised that issuing letters of threat and trying to collect on a debt for which no contract exists is a crime of mail fraud and punishable in united states. I am a litigious consumer and I plan on seeking remedy in venue closest to me if they do not perform in the way that I have set forth in this presentment. This is an attempt to peacefully settle this matter. Please be sure that your documents are in order if there is need to pursue litigation.
Product: Checking or savings account

I received a insurance check for storm damage to my roof of my home in the amount of XXXX I deposited it in my bank account savings at an ATM machine at BBT who I bank with for over 20 years. I have a mortgage account with XXXX XXXX who name was also on the check the check also has my name spelled incorrectly on it ( spelled XXXX and the correct spelling of my name is XXXX which I have told the insurance to correct multiple times I have also put it in writing for XXXX which is the insurance company to correct the spelling of my name ) This is my first ever claim and now know that XXXX XXXX should endorse the check, I ask BBT they could provide me a certified copy of the check and they said at the time they had to wait for a manager and then they came back to me and said they no longer have it, BBT then ask me to get with XXXX which is the insurance company to cut me another check and after about two months XXXX responded back saying they could not due to the check has been cashed by the bank in which it has, now i am at a stand still with damages to the roof of my home and a check that BBT will not release due to improperly endorsement but will not provide a check for me to get endorsed, I have spoke with a corporate from BBT and they are telling me to go back to XXXX the insurance company and the insurance company is telling me to go back to BBT due to the check show it has been cashed, BBT has even asked me to take paper work to XXXX XXXX and get them to sign a affidavit and XXXX XXXX is not willing to do so, all they ask for is the check or the certified copy of the check so that they can stamp. I keep hitting a brick wall and cant get any answer as to what I need to do to get my project started for my home
Product: Credit reporting, credit repair services, or other personal consumer reports

They charging me more then wat they are old
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX are not removing unauthorized items off my credit report. I have filed FTC report also. Please investigate and remove the following accounts below Please delete XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : You are breaking multiple laws in regard to my consumer report. 




The following correspondence is not a request for validation or verification in any way. It is a demand for you to follow the laws that the U.S. Congress has set forth.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I have made 4 consecutive payments from XXXX, XXXX XXXX, XXXX to pay First progress credit card company. I attempted to make a payment and set up autopay and it was unsuccessful. I found out not by email, letter or phone call that it didnt go through. I found out by my credit bureau that I had a late fee and it brought it down XXXX points. I called first progress immediately to find a resolution and they communicated that if I fax them a goodwill adjustment it can be reversed. As instructed I did just that. The same day, I went a step further on XX/XX/XXXX and paid the total {$260.00} that I owed. I received an email confirmation that they received the payment. To my awareness I did my due diligence. I still called 3 days later to follow up, since the representative of the company communicated that they would have reviewed the goodwill adjustment by then. When I called they said it still was not reviewed yet and it could actually be up 3-6 weeks, not 3 days. I was first told 3 days, and now told weeks. There has been deception, inconsistency, and negligence in the basis of this company. I have tried as a consumer to pay my bill, follow up with calls and fax. I called yesterday, XX/XX/XXXX to get an update on this matter, the representative said you will have to talk to the collections agency, let me give you their number. I then said, I have paid my debt and have not been disclosed this at all, again. She then put me on hold for 3-5 minutes to tell me to disregard. I have not had any resolution, just amplified confusion. Not only that, I have XXXX points on my credit report that was not even disclosed that they would report a late payment. I have evidence of multiple attempts of payment, and this company has not done their part in responding or resolving this matter. I am reporting to request my negative credit score to be removed due to this unjust act. I am beyond disappointed, I am harassed emotionally and lost respect for this credit card company for how they manage their business in basis to help consumers to build their credit scores like myself. This is a fraudulent business and needs to be exposed with a thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - COMPANY SOLD THE DEBT!!!