23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I RECEIVED A LETTER FROM A COMPANY SAYING THEY HAVE TAKEN OVER MY MORTGAGE. 2 YEARS AGO I RECEIVED A LETTER FROM XXXX TELLING ME THAT THEY ARE RELEASING MY LEIN ON MY HOUSE. THAT I AM NOW RESPONSIBLE FOR MY TAXES AND MY INSURANCE. I WAS BEHIND IN MY LOAN AT THAT TIME. ON XXXX/XXXX/15 I RECEIVED A LETTER FROM GREEN TREE SAYING THAT MY LOAN WAS TRANSFERRED TO THEM ON XX/XX/XXXX. THEY ARE SAYING THAT I OWE ALOT MORE THAN I DID OWE. I CA N'T BELIEVE THAT THIS WAS A WHOLE YEAR BEFORE THEY EVEN CONTACTED ME. ON XX/XX/XXXX I RECEIVED A STATEMENT FROM GREEN TREE.SHOWING THE PRINCIPAL AMOUNT ALONG WITH OTHER EXPENCES. I KNOW THAT MY PRINCIPAL AMOUNT WAS NOT THAT MUCH. I SENT THEM A CERTIFIED LETTER REQUESTING A PAYMENT HISTORY AND THEY REPLIED BACK WITH THE ORIGINAL LOAN REPAYMENT AND SECURITY AGREEMENT THAT I SIGNED WITH BENEFICIAL BUT NO PAYMENT HISTORY. I DO N'T KNOW IF THIS IS SOME KIND OF SCAM. FIRST OF ALL IT TOOK THEM 2 YEARS FROM THE TIME I RECEIVED THE NOTICE FROM XXXX ABOUT HAVE MY LEIN RELEASED. THEN THEY COULD NOT SEND ME A PAYMENT HISTORY SO I CAN MAKE SURE THAT THIS AMOUNT IS INCORRECT. I 'M NOT SURE WHAT TO DO. PLEASE HELP!!!
Product: Vehicle loan or lease

Hi! My name is XXXX ( full name : XXXX XXXX ) and I am contacting regarding my auto loan with Chrysler Capital. In XX/XX/XXXX I have arrived to the dealership and applied for a car loan. They approved me with 20 % APR and informed that I will be able to lower the apr as low as 2.99 % after I complete 7 payments in time. After paying the monthly payments in time I contacted Chrysler Capital to ask to lower the apr and my monthly payments but they rejected my inquiry. Also, I found that 80 % of the money I paid since XX/XX/XXXX were counted as an interested and in fact I paid almost nothing to cover my actual loan. Now in XX/XX/XXXX, I still owe almost the same amount as I owed in XX/XX/XXXX. I am not able to continue my payments with the given APR as my plan was to pay only during 7 month. I can pay in time my debt if I can receive the normal APR that my credit profile deserves but the company is rejecting to negotiate and I was rejected with another bank to refinance. Please help me in this situation. 

Chrysler Capital loan terms are unfair, they are damaging my life : I cant afford healthcare, save money or any vacation and all of these forcing me to file a complain. If they never told me that I can lower my apr after 7 payments I would not sign for that deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  incorrectly reported to all  XXXX  credit bureaus that I was late paying my mortgage in  XXXX  when in fact I sold my home on  XXXX / XXXX / XXXX .     I contacted   XXXX   after I attempted to get a pre-approval letter from  XXXX   XXXX    XXXX   XXXX   XXXX  and  XXXX  Loans who reported my loan being open in  XXXX   XXXX . They told me that the loan was closed by them  XXXX   XXXX ,  XXXX , which is not correct according to the closing documents from   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   ,   XXXX   XXXX .      XXXX  filed a dispute for me at that time. I received the documents sent me from  XXXX  but it did not include a letter that they in fact reported it late to the credit bureaus, which was also requested. They did not attempt to call the bureaus to rectify their error.     I used  XXXX  to help resolve the problem in  XXXX , however it has been a month and  XXXX  has yet to respond as of  XXXX / XXXX / XXXX  inquiry from  XXXX . The other  XXXX  agencies have not taken it off their reports  XXXX  and Experian have placed the request by  XXXX  into investigations since they have inadequate documentation.     Today,  XXXX   XXXX ,  XXXX , I called  XXXX  at  XXXX  and they told me their dispute is pending. I explained that it was unacceptable that I have not received a letter form them stating that there was an error made by them in reporting the loan delinquent when in fact the loan was closed by them and not documented accurately!!!     They refused to let me speak to a  manager  or supervisor in their department. The rep handing the call gave me a number to fax to  XXXX  a written authorization for them to speak to the Credit Bureaus Agencies, (  XXXX  ) ..
Product: Credit reporting or other personal consumer reports

Hi, Im submitting this letter to because Ive been trying to dispute a few late payments on my account due to me enrolling in a payment pprogram with the companies, and they told Me nothing would be getting reported as I get caught up on past due amount due to me having a hardship in my business. And with my XXXX XXXX I have late payments because the bank reversed it for some reason and as for this month I went and made the payment but it never confirmed for some reason so it caused me to get a late payment because by the time I went in on XX/XX/XXXX it was too late. Then I receive the late payment notification on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, de XXXX {$960.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting or other personal consumer reports

Notice for Proof of Claim Account : -XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Product: Credit card or prepaid card

JPMORGAN CHASE BANK , N.A . card services address XXXX XXXX XXXX, XXXX XXXX is illegally accessing and pulling my XXXX credit report without my consent. Which is a violation of the Fair Credit Report Act. It appears JP Morgan Chase Bank illegally accessed my report as inquiries XX/XX/XXXX & XX/XX/XXXX. However, I do not have any active credit card accounts with the bank nor do I have an established business relationship. 
As of XX/XX/XXXX, credit card number ending XXXX & XXXX tradelines information were suppressed and deleted from all three major credit bureaus XXXX, XXXX and XXXX. Therefore there is no account information to review, which puts JP Morgan Chase Bank N.A. in violation of the FCRA Act for making such inquiries. 
Futhermore, as of XX/XX/XXXX I canceled my XXXX XXXX account. Which severed my self credit monitoring relationship with this bank. I am also opted out of " all '' promotional credit and insurance offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

We hold our current FHA mortgage with XXXX XXXX XXXX. We have paid on time since the inception of our loan XX/XX/XXXX. 

We have typically paid via their online portal, despite issues with the portal where the payment wasn't processing, which happens often. We will then log in the next day and try again. 

We have tried multiple times to pay via their automated phone system through XXXX XXXX which for some reason can not process our payments, not due to lack of funds. Just an error with their processor. 

On Friday, XX/XX/XXXX, we made an online payment for the due balance for XXXX. We received no error messages, and we received confirmation of their receipt of payment through a secure message on their website. I am attaching this for your review. Also of note, this is a shorter month with 29 days. 

We were notified a few weeks later through our XXXX apps, that the payment was marked as 30 days late. 

At this time, we called XXXX XXXX XXXX  to dispute the late payment and we were told that we should have paid via the phone system for it to post same day. We told them that their phone system wouldn't authorize our debit card or ACH check as it didn't in XX/XX/XXXX when we tried to use the system while travelling outside the country. Therefore, our previous experiences with the phone system lead us to always pay online. 

They said that since we paid online, and before 30 days, it did not matter because the payment posted to their system XX/XX/XXXX. XXXX stated that even though they have record of our payment on the XXXX of XXXX, they will not update the credit reports to show an on-time payment. 

At this time, we filed with all 3 credit bureaus a dispute of the reported late payment by XXXX, and on XX/XX/XXXX XXXX   investigated and deleted the late payment from our credit files. 

Now we are trying to refinance our home to save money during the pandemic, and we are unable to qualify solely because of this one reported late payment that was actually not 30 days late. 
We have never been 30 days late on any mortgage. 

Please help us to ensure that we are able to hold XXXX to the date we paid the loan and not when it posted for them ; which could be an arbitrary amount of time. 
Attached : payment confirmation on the XX/XX/XXXX Confirmation of increased credit score when XXXX  removed the 30 day late payment. Letter to credit bureaus.
Product: Credit reporting or other personal consumer reports

This Ally Account on my credit report is incorrect and I did NOT have any late payments and this is falsified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX XXXX Account XXXX XXXX Social Security Number : XXXX I believe the information on the consumer report is reporting inaccurately. 
Please verify this information is reporting accurately. Verify the date account was opened, balance, and my payment history. 

Can you verify the date of first delinquency? 

Im requesting the results of your reinvestigation in accordance with 15 U.S.Code 1681i ( a ) ( 1 ) ( A ) and a copy of my credit file. Please forward all correspondence regarding this matter to the address stated above.
Product: Credit reporting, credit repair services, or other personal consumer reports

An individual hospital service provider illegally had a collections account added to my credit file. TransUnion illegally unlocked and removed a permanent freeze that I had on my account to allow this company to create and apply a credit debt to may account that belongs to the US Veteran 's Administration. I had this removed via my monitoring services with XXXX  but found that is now showing on TransUniion and they have illegally locked me out of my account by monitoring my security question answer that is used to access the account. I worked on this in 2020 to correct and freeze my account due to a breach and theft of a credit card and this credit reporting agency continues to violate not only my privacy and my rights but has allowed the illegal adding of an account to my locked and frozen credit file that I did not give anyone permission to add anything to and they continue to prevent me from being able to correct it despite being notified that it is not mine.
Product: Mortgage

PNC Bank sent two checks to pay homeowners insurance to XXXX by XXXX. XXXX on XX/XX/2023 in the amount of {$1000.00} and the other on XX/XX/2023 in the amount of {$700.00}. The premium is {$1000.00} so this resulted in {$700.00} excessive sent to the insurance company. Upon contacting and speaking for about 10 times in the last 2-months frame, PNC Bank has been asked numerous times to provide the front and back copy of the check sent on XX/XX/2023 as the insurance company stating they did not receive, they have not been cooperating at all. This was requested from insurance company directly and still was not provided. Then they lied and said that it was provided every time. Because the first check they sent was not received but just the second check, insurance company took {$700.00} and said that only partial balance was paid and therefore {$320.00} additional payment is required. Technically, sending the insurance company the proof should have allowed them to locate the first check which then would have resulted in {$700.00} excess which should be refunded to me. However, instead PNC Bank again sent a third check in the amount of {$320.00} on XX/XX/2023. PNC bank clearly is aware of this issue and just keep sending money rather than helping insurance company locate the check and work with them to resolve so the money can be refunded and put back into escrow. Escrow analysis is coming up and they are keep sending money and increasing my homeowners insurance paid which will be used on that escrow analysis. They will not allow me or the insurance company to speak to the supervisor when this issue was escalated by the XXXX by XXXX. At this point, I am still not refunded of {$1000.00} excess PNC Bank paid in duplicate and the escrow shows the homeowners insurance paid as {$2000.00} obviously instead of what should be {$1000.00}. In addition, when they took over my mortgage, they did not update on convery their information to the insurance company until I spotted the problem as insurance company 's bill was not going through to them. This is going way over acceptable time frame and as escrow analysis coming near, I will not pay for the escrow shortage as a result of PNC Banks mistakes and refusal to fix but keep sending money without resolving the issue.
Product: Debt collection

On XX/XX/XXXX and XX/XX/2021 I spoke to ERC asking for proof of this debt they claim they have in writing. I gave them my new address. Asked for a letter on XX/XX/XXXX aprox. It never came. I never received a letter. Today, XX/XX/2021 I called again. I spoke to XXXX /supervisor she stated that their verbal dispute team will send me a letter when they feel like it. [ Basically ] She could give me no date. Her high and mighty attitude was abusive in tone and words. Verbal Abuse, abusive tones which VIOLATES FDCPA the Fair Debt Collections Practices Act. Typical .She said it's against the law for them to send me a letter since I verbally disputed it. Which I WAS NOT TOLD on XX/XX/XXXX. On the first call. Where I spoke to two CSR 's who did not bother to give me that info. Even after I ask on a recorded line she still refuses to send me a letter. She claims it's harassment if she sends me a letter after I verbally disputed it. Yet, I specifically asked for a letter on a recorded line. This is a fake debt. I owe XXXX  nothing. XXXX  XXXX broke their contract with me. I was told it would probably be put on my Credit Bureau by the first person I spoke to on XX/XX/XXXX. Yet, it was taken off ALREADY! AND IF THEY RE-REPORT IT THEY WILL DEFINITELY BE BREAKING THE FCRA. I am being threatened with my Credit being tarnished, and refused something in Writing. They refused to update my address to XXXX XXXX XXXX XXXX, CA XXXX. All letters were going to an old address on XXXX XXXX in XXXX XXXX, an old attorney who does not represent me any longer. Which I told them on the first call. XXXX  was XXXX  and XXXX. Again breaking and violating FDCPA. She believes this fake debt is way more important than being cordial to her fellow humans. She acted as if I robbed a bank or something and was evading arrest. Her tones were all around lawbreaking. I will have my attorney pull their call records. No problem. ERC and all Collection Agencies are a menace to Society and break Federal and State laws on an hourly basis all across the Nation. They fake collect on Unverified, documents. They harass and harm society as a whole, without having any official verification of the debt in the way it should be done. My call began at XXXX XXXX  this morning Monday XX/XX/2021. Her agents did not tell me that I would get a letter from then once they researched the fake claim. I only heard that from her today on this call. I asked for the XXXX letter though, which she refused. I warn them to tread very lightly with my Credit Report, and to think twice before they report this after it was REMOVED. XXXX XXXX XXXX. The Consumer Financial Protection Bureau has been notified of their behavior as will other entities.
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. 
XXXX XXXX bankruptcy Account # 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: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of tmwrch XXXX is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It s my understanding that you must verify these items with the reporting creditor for accuracy.
Product: Debt collection

I am disputing a collection debt from XXXX ( Acct. # : XXXX ) that I discovered on my credit report without being notified from the creditor. I am now in the process of disputing this debt with the Credit Reporting Agencies and with XXXX. This collection agency has also illegally re-aged this account according to the original creditor 's date of first delinquency. The original creditor is Comenity Bank whose debt I 've already successfully disputed. Because re-aging accounts is a serious offense under the FCRA, I am reporting XXXX to you so as to warn others about the illegal practices of debt collectors.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. Please delete these inquiries immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documentation to Experian from the company they have claimed to have verified the information from. They still refuse to deleted the infoemation from my credit report even after I supplied the documentation. Please Investigate.
Product: Debt collection

repeat calls from same company by different callers who were in contact with each other. called when i was at work, using stern and condescending tone and insisting to speak with can't pronounce my name. would not hang up persistent.
Product: Debt collection

First Federal is stating that this debt doesn't exist between them and myself. The account is unverified, it was absorbed in a chapter XXXX bankruptcy but yet it continuous to appear on my XXXX Credit Report. Please see that the attached credit report verifies this company 's name and address. The date that this credit report was pulled was on XX/XX/18.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have found an error with the XXXX XXXX  XXXX  account and it is my understanding that you will do an investigation and send me the results. I'm really concerned about this because this is really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some up coming events this year that will rly on my credit report being accurate so please assist me with this. The item I am challenging is : XXXX  XXXX Account # XXXX I've never been late. I paid on time XXXX and XXXX of XXXX. Delete this account. Please expedite. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX/XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by THD/CBNA. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my records, the payment was made within the required timeframe. Attached is a copy of my bank statement showing that the payment was successfully processed before the due date.

Clerical Error by Creditor : There appears to have been a clerical error during the payment process, as I never received any notification of a missed payment. XXXX confirmed that no payment was missed, and I have attached correspondence with them to support this claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX