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

Subject : Complaint Regarding Mishandling of Credit Card Payment - Reference : XXXX XX/XX/year>XXXX XXXX XXXXXXXX Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint under the provisions of the Consumer Financial Protection Act ( CFPA ), specifically under 15 USC 1666b, regarding the mishandling of my credit card payment account with reference to Section 1637b. 

My name is XXXX XXXX, and I am an account holder with XXXX XXXX, with the account number XXXX. 

On XX/XX/XXXX, I made a payment towards my credit card account well within the designated billing cycle and in accordance with the terms outlined in Section 1637b of the CFPA. However, despite the clear provisions of the law stipulating that creditors must not treat a payment as late unless certain conditions are met, I have noticed discrepancies in the handling of my payment by XXXX XXXX. 

It has come to my attention that XXXX XXXX has inaccurately processed my payment, marking it as late and subsequently applying late fees and penalties to my account. This action is in direct violation of the CFPA, which clearly mandates that creditors must adhere to the timelines and procedures outlined in Section 1637b before considering a payment late. 

According to the law, creditors such as XXXX XXXX are required to provide consumers with clear and timely information regarding payment due dates, as well as any changes or updates to these dates. Furthermore, creditors must allow a minimum of 21 days from the date of sending such information before treating a payment as late. 

In light of these violations, I demand that XXXX XXXX rectify the erroneous late fees and penalties applied to my account and take immediate steps to ensure compliance with the provisions of the CFPA moving forward. Additionally, I request a thorough investigation into this matter to prevent similar occurrences in the future and to provide me with a detailed explanation of the steps taken to address this issue. 

Failure to address this matter promptly and adequately will leave me with no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action as necessary to protect my rights as a consumer. 

I trust that XXXX XXXX will take the necessary steps to resolve this matter expediently and restore confidence in its adherence to consumer protection laws. 

Sincerely, XXXX XXXX
Product: Mortgage

I am a fXXXX XXXX of HomePoint Mortgage XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I refinanced with HomePoint mid XXXX, so this company now holds my primary residential mortgage along with another mortgage for a rental property. Within 30 days of the XXXX, they transferred my servicing to XXXX XXXX. Once this was set up, I paid my mortgage payments for 6 months in advance to XXXX XXXX  with no issues. I try to make my next payment and they transferred my servicing back to HomePoint I paid the same bill pay that I paid when I initially got my mortgage but that was wrong. When I figure this out, I now had to make a double payment which they finally received. It appears that I am being XXXX as a XXXX XXXX as I have NEVER experienced these kinds of issues as a homeowner of multiple homes over 22 years. 
The next charge is that they mailed an escrow refund check. I in turn deposited the check into my bank account they then stopped payment on the check without notifying me and sent the analysis reflecting a large shortage. I called and they are claiming no record of sending me a check however I have the check copy, the letter that came with the check and the letter from my bank proving stop payment. They failed to send an urgent notice saying that they stopped payment and even denied sending the check in the first place costing me a XXXX fee with my bank also this effected my stellar deposit history with my financial institution of which I have been a member for about 25 years. This also posed a threat of financial harm as XXXX can cause an extreme domino effect in someone's finances. 
The third charge is that when I compare the escrow statement payment to property taxes against the actual bill that I received from my county government there is a deficit in the amount paid. Even though this is a small amount it is still detrimental to my homeownership. This company is really experiencing some issues and not only are they XXXX  and giving bad XXXX  XXXX regarding my XXXX  and causing me to lose job opportunities. They are threatening my home ownership and I really need someone to intervene as I am not in the position to hire an attorney so I will start with this as a first step. 
I have received a call from XXXX XXXX ( early evening around XXXX XX/XX/XXXX ) however there was a connection issue with the phone lines, and I have not heard back since then. This is pretty much beyond a phone call, and I need an outside mediator.
Product: Debt collection

Thank you for your service at the CFPB. It has been brought to my attention that my consumer rights and protections are being violated and trespassed upon by US BANK. US BANK has seized my credit report by reporting information on my property without a court order or my written consent and is authorizing XXXX to not remove my personal addresses because US BANK is reporting to XXXX where I live at. I was told by an agent at XXXX that I could not remove my personal information ( addresses ) because US BANK is reporting where I live. Im pretty sure that is identity theft at Most and at minimum a violation of the F.D.C.P.A ( Fair Debt Collection Practices Act ). US BANK is committing identity theft against my Estate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX has called my job where I work in a call center. So any of my coworkers can get the call and they are trying to track me down. The problem with this they number they are calling for my job they are not supposed to call that number because they number is for internal use only. When I explained that to XXXX he continued to talk over me in a very rude and condescending manner. He basically told me it 's their job to track me down and they have a right to call my job if they can not reach me on my personal number. I asked him to stop calling my job and to take my jobs number out of their system. He would not provide me proof of this and continued to be condescending to me. They can cause me to lose my if they do n't stop calling my job. It is adding stress to me that I do n't need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX****-Balance {$200.00} XXXX, XXXX & XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  and Equifax numerous times to tell them to please remove my XXXX student loan from my account. This student loan was co-signed with my father. He has filed for Bankruptcy and this loan was discharged during bankruptcy for him and myself. It should no longer be on my credit report. XXXX no longer has any information about this account because it was discharged during my father 's bankruptcy, which is no fault of my own. As such, the account should be removed from my credit report and should not be put as discharged on my credit report because it was discharged because of my father 's bankruptcy.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and notice I had a late payment on an account that I was never late, for Consumers Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. 
I have never be late on payments for the account. XXXX XXXX XXXXXXXX : XXXX please investigate and provide proof with statements showing that these payments were late. 
If proof cant be provided, I demand these payments be updated to on time as they should be as I was Never late. 

Thanks.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I applied for a loan with Conns home direct for an XXXX laptop. After repeatedly trying to contact them on movement of the product, I finally canceled the purchase over email with their team, which I got confirmation the cancelation was made. On XX/XX/XXXX, I found the purchase on my credit report. After calling multiple times, I found the computer was purchased in XXXX ( a new and separate purchase ) and delivered on XX/XX/XXXX. During that time, I never received emails to confirm the purchase, sending the tracking information, or any of the other emails that were sent with my previous purchase. Also, there was not any logs on my nest doorbell of any delivery for that day that may have been stolen. I requested the company remove this information from my credit report over the phone AND through a credit dispute. They in turn updated the dispute to show a payment was made, which I did not do. And have not made any attempt to cal back. On my calls with them, I confirmed all my information was correct so how I never received or show any of this from my emails, payment account, or delivery address screams that there is something more going on other than someone stealing my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error
Product: Mortgage

Due to the pandemic earlier this year, I opted to apply for a forbearance and my mortgage company Dovenmuehle mortgage allowed me to skip 3 payments between XXXX and XXXX. On XX/XX/2020 I applied for a deferment so that the balance due can be applied to the end of the loan term ; initially I was told this would take between 45 to 60 days. Since at least mid XX/XX/2020 I have been calling to find out the status of the loan and I'm always told " you should have a response within a week or so ''. I have been calling consistently ( more than 10 times in the last 3 months ). I have even requested for managers to give me a call and they have failed to do so. Now, it's been nearly 4 months and I have yet to hear from them. I have not been provided an update neither by mail or phone. I have been trying to refinance my mortgage since rates have gone significantly down with another lender and I am not able to do this because of this company 's gross negligence. While I am in this process another lender will not finance me. This company is causing me to continue to pay more interest in my current mortgage because of their refusal to do their job and work on my deferment. It shouldn't take nearly 4 months for a mortgage company to handle such a request. It is NOT my problem that they're running behind ; they've had more than enough time to hire other individuals or pay overtime to assist with the extra workload. I want to file a personal Complaint and I may need to file a lawsuit given that this is abuse of power. They're holding my mortgage and me XXXX to this company! I'm sure I am not the only individual that has been wronged by this company and this should be looked into as a class action lawsuit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter out certified on XX/XX/2022 they received the letter XX/XX/2022 and they had to sign to receive the letter. The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but I clearly stated not to use eOscar and there is no way they did a full investigation that consumer law states needs to be done. This ground for removal. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
They also violated the law because according to 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. I did not give anybody written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX ADDITION FINANCIAL XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX CARDS/CITIBANK XX/XX/XXXX XXXX BANK DELAWARE XX/XX/XXXX XXXX SUPPORT ENFORCEMENT XX/XX/XXXX CHILD SUPPORT ENFORCEMENT XX/XX/XXXX
Product: Mortgage

I review it the company reply of my complain CFPB Case No : XXXX, in it the bank said the " XXXX XXXX PMI removal requirements were amended and effective XX/XX/2018 '' however I do not recall been notified. In my case, if someone would have pointed out, I would have eliminated my PMI, now there was no longer require a new appraisal, I would have probably done verbally. 

Actually in my last Escrow Account Disclosure Statement does not indicate anything at all about the changes in the rules about the PMI, it does not even reflect the status of the same at the time, to give me an idea that I was overcharged. In my case, I reached the LTV 78 % at the moment to apply the payment done on XX/XX/2018, this means I was overcharged by at least 8 months. 

I happen to I noticed was when I got online into my mortgage and looked into any single option available and I read about it, was when I picked the phone and called and asked, otherwise more time would have passed and more unfair charges would have been applied. Should at least the bank send me a note about the benefit I was missing?
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiry listed below. However, I did not provide my consent for this question to be asked. In response, I'm writing to contest this inquiry and ask that it be removed from my credit report. 
XXXX XX/XX/2022
Product: Debt collection

I have no relationship with this company but they continue to call me and are rude and vulgar when I tell them Im filing a complaint.
Product: Debt collection

Currently, I am being sued for XXXX dollars which have now gone up to XXXX. Sunshine state credit has pulled credit report that shows the right information twice and sent lawyer wrong addresses to be served. 

I feel I should not have to pay the remainder of the loan because I have never completed my service. I am still trying to get my XXXX completed and now I have to pay for my account twice. XXXX XXXX XXXX, the company that the loan was given to, sold the company without leaving a balance. I have asked their attorney in XX/XX/XXXX2018 when I was first contacted and XX/XX/XXXX2018. I've attempted to email the lawyer as well on XX/XX/XXXX asking for the client to work with me. 

The problem is that the attorney has my bank account and my son 's bank account frozen. Florida law states garnishments can be no more than 30 % of income. I had asked the lawyer to remove the garnishment on my bank account and he refused. I have a child to take care of.
Product: Credit reporting or other personal consumer reports

Thank you for the quick response. 

Attached are XXXX emails that will conclude that BHG accessed my CRA files based on false information from one of your " lead aggregators '' resulting in a " partial account application. '' Furthermore, I did not use the BHG payment calculator which you claim was utilized for at least 6 of the XXXX pulls on XXXX different occasions. 

As my FCRA 609E request states, I want all information that you have in your possession regarding this situation as in the name of the aggregator as well as all personal identifiable information used to authenticate my identity. Your representative indicated that if my SS # was used you would have it. This should include any address, phone numbers or birth dates. 

Just for the record, these felons are not interested in my credit report. Most CRA 's are connected to some sort of aggregator like XXXX. You don't want to be part of it!
Product: Money transfer, virtual currency, or money service

I tried to send money to my brother at Western Union my I dont understand they just told me to refund was going to be sent to my mom. XX/XX/2018 {$200.00}. Company never helped me 800 number was rude and said I cant send money. Can U get treated fair. Me my brother and family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card on XX/XX/XXXX and got a hard inquiry on XXXX and one on Experian. I got a letter dated XX/XX/XXXX telling me I would have to call XXXX XXXXn the next 30 days to verify some information or else my application would be cancelled. And so the next week I called, verified some information, and then got approved. The only problem is that XXXX made another hard inquiry on my Experian credit report. Now I have two hard inquiries on my Experian credit report for the same credit card application. I tried filing a dispute with Experian, but they're not abiding by the FCRA and told me that I would have to contact the furnisher directly because Experian 's records are already accurate based on the information the furnisher provided ( which negates the purpose of a reinvestigation and their role in forwarding my dispute to the furnisher ). And so I initiated my first dispute through the phone with XXXX and I received a letter dated XX/XX/XXXX explaining that I would need to provide more information via mail. So I sent a letter describing the nature of my dispute and received a letter dated XX/XX/XXXX explaining that I was not clear enough and would need to send another dispute with better clarity. And so I did and received a letter dated XX/XX/XXXX explaining that XXXX found the hard inquiry made on XX/XX/XXXX to be accurate. I called XXXX in disbelief and they told me that they have a 30-day window before needing to hard pull my credit report again, which I missed by two days. I asked why it couldn't be a soft inquiry and they said it doesn't provide the same information, when in reality it does. I then asked why they took so long in sending me the letter that tells me to call them within 30 days ( which didn't match the 30 days before a new hard inquiry would be made ) and they said they've tried contacting me through other methods, which is not the case. The letter that told me to call them within 30 days only gave me a week after receiving it to avoid a second hard inquiry. I at no point started a second credit card application and these two hard inquiries are for the same credit card application.
Product: Credit reporting or other personal consumer reports

Please remove the following inaccurate addresses from my credit report right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These addresses are not mine, and their presence on my report is misleading and could harm my credit profile, which I believe violates the Fair Credit Reporting Act. I request TransUnion to update my report with only accurate and verified information. Once the corrections are made, please send me written confirmation and a new copy of my credit report. I also request that you look into how this mistake happened to ensure it is not related to fraud or identity theft and take steps to prevent it from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.