23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company is Franklin American Mortgage. During the time of Hurricane Irma, XX/XX/XXXX and XX/XX/XXXX, Franklin American Mortgage contacted me in regards to having 3 months of deferred payments to help with the natural disaster I was going through. I was also told that those payments would be added to the end of my loan essentially making it 3 months longer than it initially was. I was ok with the idea of this as the hurricane did cause a difficult financial time with my family. They had told me my payments wouldn't be due until XX/XX/XXXX. I contact them in XX/XX/XXXX because I can no longer access my account online to make my payments like I always had in the past. The guy I spoke to informs me that is because of having the deferred payments from the natural disaster and takes my payment by phone. He then informs me that I have 3 options for repayment. This was shocking as this wasn't mentioned to me at the time they offered the deferred payments initially. I was then also informed I would have to " qualify '' for certain repayment options. He asked me to send over my most recent XXXX and Bank statement for XX/XX/XXXX. I did as he asked within 30 minutes of getting off the phone with him. He said they would need those in order to start the process of adding these to the end of my loan. After a week with no response from them I assume all is well. I receive a letter in the mail stating my mortgage is in default status due to the 3 months of " missed '' payments. I contact them and after a very long hold, reach someone who tells me the same information about there being 3 different payment options. I told her I had already submitted this information to someone before and that it should be taken care of. She then informs me that I was not approved for that program. Shocked, I asked why? She stated she wasn't able to see any of the reasons that I wasn't approved, was just able to tell me that I wasn't approved. She said I could pay the XXXX XXXX dollars all right now, or go through a 45 minute to 1 hour interview which would allow them to determine if I qualified for paying half immediately and the remaining over a 2 month period on top of my normal mortgage payment. This whole process was an offer they extended to me initially with no mention of anything other than it would be added to the end of my loan. They made it sound like they were actually trying to be helpful when in all actuality, it seemed they had some predatory lending tricks in mind. I haven't called back to speak for this interview as either of my remaining " 2 '' options are not adequate for me at all. Had I known it was going to be like this, I would have just found a way to continue paying them throughout the natural disaster. Please help me as this was not at all properly disclosed or in any way to help or benefit customer 's like myself.
Product: Credit card or prepaid card

My XX/XX/22 statement reflected a balance subject to interest ( non-promotional/revolving ) of {$0.00}. My total balance was split between promotions. The statement states in the How to Avoid Interest section : If you pay your account, or Interest Saving Balance, in full each month by the due date you will not get interest. It states that the payments are applied to higher APR balances first. After my XX/XX/22 statement cycled, I paid {$700.00}. I also purchased new revolving merchandise. When my XXXX statement cycled I was billed a {$5.00} interest charge on the unbilled revolving balance. 

I have been advised that there is no grace period on revolving purchases when there is a 0 % APR Balance Transfer on an account. I have been advised that I can not reallocate payments to the revolving balance. I have also been advised that as long as there is a 0 % APR Balance Transfer on an account customers will receive an interest charge on the revolving balance, even if they pay enough to cover what the total was. This seems illegal. There is no way for a customer to save interest charges from compounding unless they pay their Balance Transfer in full ( which has the lowest APR ). Payments are being forced to a 0 % APR balance when there is a higher APR balance. In addition, unbilled revolving purchases are being taken into consideration for interest calculation.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the COVID -19 pandemic I had contacted XXXX cred card company to seek some financial relief on monthly payments. XXXX had worked a payment arrangement plan with me on two accounts ending in XXXX & XXXX. We made our scheduled monthly payments as required. However, the amount due for each payment that they gave us to pay did not meet their threshold of the total amount due and now has impacted my credit as they show consecutive late payments. 

I am trying to obtain a credit union loan and have been denied because of XXXX 's misinformation. They should make those late payments show as current. This is very misleading tactics. I have removed myself from these accounts and my wife will be closing them today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I had XXXX XXXXXXXX and missed a payment, I was never notified that I was late, or behind and no obvious information was available to let me know of a problem.FIVE months later, a rep from XXXX XXXX XXXX contacted me about a problem with my account and wanted me to verify info because I do not verify incoming call information. I logged into my account, saw a problem, fixed the payment issues, and assumed all was well. Now XXXX is reporting me late four months in a row despite me giving them money every month. Their lack of notification on this matter corallites very conveniently to when I need to refinance this loan. They have knocked my credit score down almost 150 points and will be expecting me to refinance my loan with a sub XXXX credit score which GREATLY benefits their bottom line. 

My stance is here IF I had been notified on any level other than 1 email per month, I would have taken care of this immediately. They are taking advantage of the situation, keeping me from a home purchase and ruining my credit score. I have had one late payment in the last eight years ( an oversight at {$32.00} due to switching primary banks ). With these egregious reports, my financial freedom is in jeopardy because they did not notify me about a matter as grave as my credit score. And their " courtesy notifications '' seem to be entirely arbitrary as to when they will let their customers know there is a problem with their account standing. 

I sent them a dispute letter on XX/XX/XXXX and didn't receive a reply until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

my address is wrong and previous addresses do not belong to me please correct them according to the letter enclosed
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX, XXXX XXXX, 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 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 months that are reported late 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, 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, credit repair services, or other personal consumer reports

Early Warning Systems stated I was in their database due to an account with BBVA. I have never had an account with BBVA and I have contacted them to inform them of such.
Product: Debt collection

XXXX XXXX XXXX  put a collection account on my credit. I disputed with them they refused to answer my letter or calls regarding why they were collecting. It was sold to another collection agency who i disputed the debt with them and they removed their file from my credit report. 6 weeks later u got a call from vance and Huffman a new collection agency representing the original debt with XXXX XXXX XXXX. I bought a car in XXXX in XXXX inwas in a car wreck and insurance and the gap insurance paid the debt off. The car company went out of bisiness shortly after. The car co pany sold its loans to two different companies. The missouri locations were bought by XXXX XXXX XXXX. I bought my car from the ks location, and XXXX XXXX XXXX still holds the original rights to my original contract. They are not persuing collection and they note that my account is paid in full. They will not privide me anything in writing because they were nit the original owners of the car contract and contract was under XXXX XXXX XXXX or XXXX XXXX. XXXX XXXX does not own or hold rights to collect on a car that was paid in full. The origi al creditor diesnt even exaist any more and XXXX XXXX XXXX nor the current collectio. Company will stop collecting because they told me i habe to prove to them i dont owe the debt. I dint have anything else on that car anymore as it was 3 years ago. I asked all collection companies for a copy if the origi al contract and theur rights to collect on my original contract and no one has provided me that. They have affected my credit acore in the middle of a home biying oricess and caused me to loose the home of my dreams. I am now back i. The process again searching for a new home and it has hit my credit score yet again. This time the lender is willing ti work with me because they see the item is disputed with all credit agencies. But it still affects my score and my ability to get a better rate. Ive spent 3 minths disputting the information with all agencies and niw 3 times over for 3 collection companies.

It is illegal what they are dli g i donot owe any money to them nor XXXX XXXX  but yet they keep trying ti sell the debt to negatively affect my xredit.
Product: Mortgage

Most recently my loan was placed in foreclosure status. The bank servicer, PHH force placed an insurance policy sometime in XXXX XXXX. I have been calling since to no avail until recently when I had to reach out to further assistance. 

The property was refinanced in XXXX, and payment included the Taxes and Insurance. We also paid insurance directly to the insurance company so in essence we were double paying. 

The company increased my payment by approximately {$1000.00}, which I was unaware of until recently. So what appears to have happened was that my payments were in suspense, and therefore, it appeared that I was not making the " total '' amount. All the while, my insurance agent and I were calling the bank and given the runaround. 

So I finally got a hold of PHH, the servicer, and I was told that we were in foreclosure status because I was behind. I told XXXX at PHH, that I tried to make payments, over the phone and online banking. Once placed in foreclosure status, I was not able to make a payment as they wanted over $ XXXX. I had sent a check as well within the past few months and finally received a reply with a copy of that check that had been ultimately destroyed, Finally XXXX from PHH, referred me to XXXX, the lender. Finally, after many calls and emails, I was referred to XXXX at XXXX, the original lender. He assisted and was in between with PHH. Both advised that the issue would be taken care of, however, the account is still showing that we owe over {$11000.00} so clearly the issue has not been resolved. XXXX at PHH mentioned it would be about 5 days. It is now over XXXX weeks. This will cause an issue when I make my next payment of now $ XXXX payment. I am beyond stressed about this situation. The payments did become late due to the check that was returned, and did miss a payment when my mom in law passed. Thank you and please assist us in this dire situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$32000.00}
Product: Vehicle loan or lease

My name is XXXX XXXX so you can help me solve what my credit is affecting me, it says that I had non-payment for 60 days which is not correct because I continued making my payments and after XXXX XXXX XXXX XXXX and my car was a total loss and the I'm sure he paid it quickly. So please, I thank you for eliminating that account that affects my credit. Thank you very much
Product: Debt collection

The debt was actually paid BEFORE the first communication from the Aspen collection agency, Ive repeatedly told then this when they have harassed me. Ignored the information, The debt I do not owe is now on my credit report.
Product: Checking or savings account

My check should have been deposited into my capital one checking account on XX/XX/year>. My check still hasnt been deposited due to a technical error they say but they transactions are still being processed that takes money out of my account.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have previously disputed this item with XXXX, Transunion, and XXXX which all came back saying verified and accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureaus for that matter ; therefore the original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. {$1600.00} ) and the information must be deleted immediately. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry date- XX/XX/XXXX Citi cards cbna PO Box XXXX XXXX XXXX XXXX sd XXXX XXXX : Unauthorized Credit Inquiry Dear Citi cards, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, Inquiry date- XX/XX/XXXX Consumer portfolio svc XXXX XXXX XXXX XXXX XXXX , ca XXXX RE : Unauthorized Credit Inquiry Dear consumer portfolio svc, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score.  Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, - Inquiry date- XX/XX/XXXX XXXX XXXX XXXX RE : Unauthorized Credit Inquiry Dear XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score.  Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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: Debt collection

In mid-XX/XX/XXXX, I received a collection notice from Diversified about a debt owed to XXXX. I was unaware the debt existed, but paid it nonetheless. I was just thankful that the Fair Debt Collection Practices Act allows individuals 30 days to address a collection account before it shows up on one 's credit report. 

Unfortunately, this account showed up on my credit report anyway ; even though I paid inside of the 30 days allotted. To make matters worse, I am in the process of purchasing a home, and the appearance of this {$110.00} bill dropped my credit scores 35 points and is now preventing me from completing my mortgage.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Citizens One XXXX XXXX XXXX, RI XXXX RE : Adverse Action Dear Citizens, I, the consumer and natural person, was denied credit by XXXXXXXX XXXX XXXX when I applied for my car loan. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against due to the response I received. Citizens are in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Citizens If Citizens fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Citizens criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX account need to be removed from my credit report this information is incorrect- XXXX  XXXX XXXX XXXX XXXX account need to be removed from my credit report because this account is inactive - Comenity bank/XXXX XXXX XXXX XXXX account need to be removed from my credit report it has been past 7 years - ComenityBK/XXXX XXXX XXXX account need to be removed from my credit report - Medical bill was paid after the insurance dispute. XXXX XXXX account need to be removed from my credit report this account is past 7 years - XXXX/XXXX XXXX XXXX account to be removed from my credit report this account has been inactive - XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.