23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I agreed to pay off our mortgage. We felt the best way to pay this off would be to start making a payment per day. Our payment amount is less than {$600.00}. We decided to pay {$600.00} each day until the mortgage was completely payed off. Understanding that we confirmed with the bank that each payment would be recognized as a monthly payment. And we would not be held responsible for payments in arrears, should either of us fall ill and not be able to make a payment during a 90 day period that would let us rest at ease that payments represented a monthly payment. We see a full months amount of interest taken out of the payment, even though we have made the payments on a daily basis. or even several payments on one day. A mortgage should be interest calculated on the days required between payments against the balance. May we please have this in writing as to why they are making this payment as principal and interest for the full month 's interest? Am I mistaken on this issue? They did tell me that they would have a problem with escrow, if that were the case we could pay that separately. But interest needs to be corrected in my thoughts. Thank you for your time and consideration on this matter. I have included documentation to show this application of payments to the balance of the mortgage. 
The mortgage department has not been helpful with this situation. It seems that they can no longer use the regular method of calculating interest. That it is so given away to automation to be calculated by computers that it is no longer an application they can master when it is a trifle out of the ordinary. All of our statements are sent as soon as we make a payment instead at the end of a month, so each statement looks like a payment per month. This is a little discerning that a bank the size is having this issue with calculation. Earlier I caught an error on a checking account that fees were being deducted that should not have been and I had to have them reversed by the manager. Who is taking care of quality assurance in customers accounts. Why are the accounts allowed to persist with mistakes with no one watching them. Why are they not being reviewed and audited for these errors. We also had money from previous mortgages from this bank end up in the escheats division of the state because the checks was never forwarded to our address. Really, we did n't move, just refinanced. This happened 2 times with this bank. Why? Because if no one sends it out it does n't get returned, we could have cashed the funds from the previous errors in the mortgage payoffs. Which should have been calculated down to the penny by working with all the tax authorities and insurance agencies, etc. but no one is willing to work out the math and make the phone calls to get the amount correct. Again this is very discouraging. This last time we refinanced the person dealing with us made so many mistakes we were ready to walk away. The mortgage took twice as long and was twice as difficult and we were put into a VA loan immediately when all we ask was which would be the best benefit for us. Twice as long, twice the fees, when we needed it ASAP.
Product: Checking or savings account

My chime account was randomly closed. When I called the customer support line, they said they closed it due to my account not following company policy. My account has been fine for over a year and a half now and they randomly just close it without going into detail. When I asked what company policy did I not follow ( they wouldnt go into detail and told me to email customer support. When I emailed customer support, they wouldnt go into detail either. I need my funds back, I will not do business with them again once funds are given.
Product: Checking or savings account

CD that may have been escheated to Regions corporate office. Last statement provided was on XX/XX/XXXX with a value of {$12000.00}. I've visited the bank on XX/XX/XXXX and on XX/XX/XXXX to see how I can retrieve my money. The bankers assisted but followed up reporting that they had no records of the CD on their records. I've provided evidence that I had a CD with the bank and the bank never called or communicated to me they were closing my CD account. The bank researched further and even went as far as looking at FL unclaimed property website, but no information was available. After which, the bank said they can no longer assist in locating my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing my derogatory accounts with Equifax and they haven't provided a single thing for me. I recently called Equifax to get an update and make sure my disputes were going through and taken care of. Equifax informed me that they had not received a single dispute. I have sent multiple disputes so I'm confused as to how none of them made it through? There are erroneous items on my credit report that must be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have working with a credit repair company to remove a XXXX  XXXX charge, and care credit.
Product: Credit reporting or other personal consumer reports

I contact multiple companies from two years ago, who ran my credit report Without my authorizations with left me with inquiries on my credit report that I did not authorize
Product: Credit reporting, credit repair services, 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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Product: Debt collection

Im unaware of this debt. I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail signature stating I received this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting XX/XX/2023 The data for this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! 
Upon inspecting Dispute Status ( XXXX ) exhibiting Account not disputed. These discrepancies are alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the XXXX. 
" XXXX  '' Is to be removed immediately.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report and I have no clue how they got there. I check my credit report regularly, but today there were discrepancies that appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the errors remained. I'm asking that the documents Ive submitted be thoroughly reviewed so I can finally stop worrying about this happening again.
Product: Debt collection

Sunrise Credit Services , Inc. ( on Behalf of XXXX XXXX XXXX ) Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX Phone # : ( XXXX ) XXXX They reported a derogatory remarks to the credit bureau and damaged my 16 yrs pristine credit records ( Score of XXXX ) based on the failed communication. This debt collection agency failed to communicate to me and within few trial of communication. I am traveling at this moment outside the USA. Without any telephone communication and just and based on the failed communications and one mail ( I never received ), they reported a derogatory remarks to my credit score. 

This debt collection agency did not try to reach out to me in enough means, not even try to have a successful written email or mail communication before damaging my credit history. I would like to pay off the balance ( {$120.00} ) with this agency and I want them to remove the derogatory remarks about my credit reporting. 
I paid the debt and settled on XX/XX/XXXX ( Recipt # XXXX ) as soon as I got notified by my credit bereau reports. I want the reporting agency to remove the derogatory comment and delete all these collection remarks from my credit history. 

I want consumer finance to help me in this situation and resolve this unfortunate circumstances. I would like to pay off the tiny amount to the agency and I want the debt agency to remove the remarks in my credit history. 
Thanks, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports from XXXX, Equifax, and XXXX and noticed XXXX collection accounts reported by XXXX XXXX XXXX that I believe are inaccurate. 

Account XXXX : Balance of {$560.00}. 
Account XXXX : Balance of {$450.00}. 
Account XXXX : Balance of {$1500.00}. 
Here are the issues : The balances listed do not match any of the credit card limits from my original creditors. 
One of the accounts XXXX belong to someone else with a similar name, as I do not recognize it and believe it XXXX have been incorrectly assigned to my credit file. 
My XXXX credit card was paid in full prior to being closed, yet it is being reported as charged off, which is inaccurate. 
I am requesting that XXXX XXXX XXXX and the credit bureaus verify the accuracy of these accounts by : Confirming the Social Security number and other identifying information to ensure the accounts actually belong to me. 
Providing a full ledger of charges and payments for these accounts to verify their validity. 
If the accounts can not be fully validated with accurate documentation, I respectfully request their immediate removal from my credit reports.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And also according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 reporting, credit repair services, or other personal consumer reports

This is so XXXX & XXXX. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX  : {$10000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX XXXX  : {$330.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX  : {$5300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX Synchrony Bank/ Ashley Homestore is reporting a late on my credit file for the month of XXXX. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing.
Product: Debt collection

Nationwide Credit continues to call my office in spite of the fact that I have told them repeatedly that the person they are trying to contact is not here and does not work here. Most of the time if I do answer the call, there is no one there. No message is ever left either. I have called the office number in Illinois and spoken to a manager, told him that the person is not here and to stop calling. I have written a letter to Nationwide, asking that they contact me via mail if I owe someone money ( which I don't ), and to stop calling. They continue to call, but don't leave a message. This is harassment. 
Nationwide phone number is XXXX
Product: Credit card

Called XXXX XXXX credit card ( Synchrony Bank ) and asked about Foreign Transaction Fee because it does not show in my account. 
Representative ASSURED me it is many time it is zero percent so I asked to send me in writing which she can not find. Supervisor ASSURED me it is zero percent but there is nothing in her computer or can not email me. They only postal mail and will take 30 days. 
I research online and there is nowhere where it says zero percent. They are lying. They will probably deny they ever said zero percent, which is why I wanted it in writing.
Product: Checking or savings account

I opened an estate checking account as the executor of my mother 's estate with Truist bank. The bank required all paperwork from the state of MD - death certificate, tax id number and official Letter of Administration from the MD Register of Wills to open the account. I brought all this paperwork to the XXXX branch at XXXX XXXX XXXX, XXXX, MD XXXX. 

On XX/XX/XXXX, I received a letter stating that the account was missing the aforementioned Letter of Administration, and the account would be closed in 45 days if not received from me. Despite them having the paperwork already, I brought the letter back to the branch with the letter that says the account would be closed. They made a copy of the letter and assured me that everything would remain open and there was no problem. 

Today, XX/XX/XXXX, I received a letter stating that my account was closed on XX/XX/XXXX for not receiving the Letter of Administration that I had submitted twice.
Product: Checking or savings account

On XX/XX/XXXX Capitol One XXXX informed me my account was closed and they would not tell me why told me a check will be mailed to me. On XX/XX/2022 a rep told me my check would be mailed out the same day nothing happened also told me it was going into another account that is not mine. On XX/XX/XXXX nothing has been done spoke to XXXX number XXXX told me they have yet to close my account and i could be looking to XXXX before i see anything. Still, give me no reason why. I feel i should not talk to 3 different memebers and get 3 different answers i have XXXX young girls and now have no money for school lunch.
Product: Credit reporting

There are inquiries that I did not acquire debt and there is obsolete information concerning the correct spelling of my name and workplace.
Product: Debt collection

Saw that I owe a debt that is in collections to a company I've never heard of and has made no attempt to contact me regarding it. It is also not the original creditor so whomever this company is, I don't have a contract with them regarding this debt
Product: Mortgage

I am the Successor of Interest on a Freedom Mortgage acct # XXXX, of Mr. XXXX XXXX who died 0n XXXX XXXX. I have filled out 19 modification packages, been to court 14 times, requested mortgage forgiveness ( mortgage debt relief of 2008 ). 
My request was declined and then I was offered a traditional modification on XX/XX/XXXX. I called and spoke to representative to inform them that the offer was too high and more than the previous payment. The representative told me that if I did not sign that my house would be sold on XX/XX/XXXX in a sheriff sale. I signed document and was prepared to pay the 1st mortgage on XX/XX/XXXX Fives days prior ; I received a phone call from Freedom Mortgage assumption department informing me that they could not modify without a copy of recorded deed in my name. In previous attempts I was denied from office of recorder because I did not have " Letters of Administration '' ( although I have performed every duty of Administrator. Recently I filed a " petition to show cause '' for Letters and was GRANTED a hearing for XX/XX/XXXX. 
The Mortgage company has now filed paperwork to " Reassess '' damages and is now stating that there is over {$240000.00} owed by the " Estate of XXXX XXXX for this property that was only originally valued at XXXX. My house is scheduled for Sheriff Sale on XX/XX/XXXX. I am confident that the Office of the Register of Wills will give me " Letters upon the conclusion of our hearing on XXXX XXXX. I believe that Freedom Mortgage has infringed upon my rights as Successor in Interest according to the new law implemented in April 2018 by your agency ; regarding the treatment of Successor in Interest. I am seeking relief from this enormous debt which could have been avoided if Freedom Mortgage would have honored the FIRST letter ( dated XX/XX/XXXX ) acknowledging me as the " Successor in Interest ''. Please Help. 
MY CASE NUMBER IS XXXX. My phone number is XXXX. 
My email address is : XXXX Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CDPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATION OF MYNAME. MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX OH,XXXX. SS XXXXDOB XXXX. I have already done a dispute and I was told that I was not the one filing the complaint???? 
PLEASE DELETE THE FOLLOWING SS THEY ARE NOT MINE XXXX, XXXX, XXXX. PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OHXXXX
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/XXXX with the inaccuracies that are being reported differently across XXXX and XXXX. They ( UPSTART ) received that letter with certified returned receipt on XX/XX/XXXX. I received an email on XX/XX/XXXX XXXX Their response was a " canned '' response that " This account has been transferred to XXXX XXXX XXXX of XX/XX/XXXX, and they are the new servicer of the loan. '' A second letter was sent today ( XX/XX/XXXX ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Credit card or prepaid card

I am a good customer of Amex and until recently I had no complaints. 

That all changed on XX/XX/XXXX when I received notice that XXXX membership rewards points were unilaterally removed from my account, needless to say, that left me both surprised and upset. I immediately called membership rewards and I was told that due to a technicality concerning cancellation dates, a bonus I had rightfully earned was taken away from me. 

On XX/XX/XXXX, I called Amex to cancel the card in question, my reason for cancelling the everyday preferred card was the fact that I had recently opened a XXXX card with a {$690.00} annual fee. I specifically asked the Amex representative about my points and was told that they would transfer to my account. I relied on this representation by the Amex XXXX, had I not been told my points were safe I would not have cancelled the card on that day. 

I am not disputing the original terms on the card and the bonus. But XX/XX/XXXX, the Amex agent misrepresented the situation and I relied on that misrepresentation to my detriment. I would like to continue my long relationship with Amex, but I feel wronged, and that injustice has occurred, Amex has been unjustly enriched at my expense. I request equity, I just want my points returned, nothing more. 

I called several times and was given the run around, they finally gave me a mailing address. I sent a letter to their office in New York, and they didn't even have the decency to reply.