23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Old National Bank purchased my mortgage when it purchased XXXX XXXX XXXX  several years ago. I use a bill pay service in my online banking with XXXX XXXX XXXX  to pay my mortgage each month. Each month, my mortgage payment is due on the first. The bill pay system is set to pay a few days to about a week ahead of the due date. This has worked flawlessly since I set it up several years ago as an automatic payment. In XX/XX/2023, I received the mortgage statement due XX/XX/2023. It included late fees on top of double the payment amount that should be due. I tried calling my lender upon noticing the mistake, but their office was closed ( XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023 ). My XXXX  work/travel schedule spanned ONB 's open hours, and they do not have XXXX  hours. XXXX, XX/XX/XXXX, I called my bank ( XXXX XXXX  ), and the associate confirmed that my mortgage payment was sent in late XXXX ( on or about XX/XX/XXXX ) and received by Old National Bank, appearing as a scanned cancelled check as of XX/XX/XXXX. The mortgage payment due XX/XX/2023 had been cleared by the recipient before XX/XX/XXXX, which is within the grace period. On the same day, XX/XX/XXXX, I received a letter from a mortgage collection service within Old National Bank. I called that number, and the associate was able to inform me that my XX/XX/XXXX payment had been applied to my mortgage, but the date was beyond the grace period. She was unable to resolve the error. XXXX, XX/XX/XXXX, I called Old National Bank mortgage department at XXXX XXXX. The associate explained that my late fees had been reversed prior to our conversation, and my payment had been applied ; however, the date my payment was applied to my mortgage was approximately 2 weeks later than the date that the bill pay vendor 's check had been scanned by the recipient and was visible to XXXX XXXX XXXX. The associate with Old National Bank speculated that the error was a " fluke '' and there was no necessary action on my part to prevent a repeat occurrence. She further speculated that when my check was received by Old National Bank, the account details were entered incorrectly, and a later audit caught the error, explaining why the payment had been applied late and why the late fee was reversed prior to my call. She assured me that my credit score would not be negatively impacted. Today XX/XX/XXXX, I received an envelope from a Old National Bank. I expected to find a letter of explanation and apology. To my surprise, I discovered a letter explaining that they do not know how to apply my check to any mortgage account in their system. Furthermore, they included the check from the bill pay vendor which is Pay to the Order of Old National Bank. I am in the process of shopping for another home, so any surprises affecting my credit score will cause us to pay points at closing ( costing thousands of dollars ) or bump us to a higher interest rate ( costing several thousands over the life of the loan ). Although this has not yet happened, if Old National Bank can arbitrarily decide that they don't know how to apply my check to my mortgage, then this is a risk out of my control.
Product: Debt collection

This debt was thrown out of court, XXXX had this debt for XXXX credit cards and what they did was combined the XXXX together and brought me to court. Judge threw out the case due to improper documents, the bottom line was i had XXXX insurance on this debt and the debtor being XXXX household financial did n't honor my XXXX insurance after i gave them all the documents required they sold debt to XXXX when the credit card company should have honored my XXXX that shown documents that i paid {$4.00} a month foe insurance on both them accounts. So portfolio had both debts sold to them and they combined together in court was dismissed but XXXX still shows XXXX of the XXXX debts
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX
Product: Mortgage

XXXX XXXX outsources their services to PHH. In 2017 they paid property taxes after I paid them. Then they billed me {$1000.00} more per month for the delta. I could not and would not pay as it was not my fault. Thanks to the CFPB, PHH resolved the issue after 5 months and countless calls for hours. Case number XXXX My problem now is that PHH is charging my late fees in excess of {$200.00} for something that was delayed due to something that was their fault. I did make my normal payment. They refused to recognize payment and billed late fees. Furthermore, they have tarnished my credit bureau score at the same time. I have left countless messages for XXXX XXXX XXXX My last attempt to do this without CFPB XXXX XXXX agent id XXXX would send the request to remove the late fees to his manager. All future correspondence will be done by USPS mail. As PHH has not once done anything promised, I am forced to submit this plea for help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have bank statements showing timely payments. 

Global Lending due on the XXXX of each month. 

( A ) 30 days late XX/XX/XXXX. 
1. Bank statement payment was made on XX/XX/XXXX. 

( B ) 30 days late XX/XX/XXXX. 
1. Bank statement payment was made on XX/XX/XXXX. 

( C ) 30 days late XX/XX/XXXX. 
1. Bank statement payment was made on XX/XX/XXXX. 

The vehicle was traded on XX/XX/XXXX but, Global Lending continued listing late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called to make my monthly payment to XXXX XXXX XXXX  for my XXXX XXXX   account which was due on XX/XX/XXXX. I had missed a payment in XXXX due to XXXX however I was prepared to offer a blanket payment to catch up. The gentleman on the phone offered me a pandemic deferral on my account as I was suffering financial hardship. We agreed to the deferral, he refunded my XXXX late fee and told me that they would report my accounts as current/paid as agreed and I could make payments when I could. The deferral period would end on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX listed my account in XXXX and XXXX as thirty days late and closed my accounts for non payment. I didn't notice this until XX/XX/XXXX when I reached out to XXXX XXXX, paid my past due ( even though I was in deferral ) and waited. On XX/XX/XXXX, I was marked late again by XXXX XXXX even though I was in deferral and had made a payment. Effectively ruining my credit, through a program they offered. I spoke to a two young ladies who verbally agreed that what I was saying was correct, but that they could only dispute with the credit reporting agency and to see if there was any discrepancies on their side, which there wont be as XXXX XXXX is reporting the wrong information to the credit bureaus.
Product: Vehicle loan or lease

On about XX/XX/XXXX I entered a Covid 19 extension loan program with Santander Consumer USA. I was told the loan would mature in XX/XX/XXXX. I made every payment every month, then came may and I still kept paying until XX/XX/XXXX. I then received an 30 day late from my credit bureaus and it was Santander Consumer USA. I then called them and was told its late because your loan matured in XX/XX/XXXX. I never knew that at the end of the loan that there would be a balance due. I signed a contract telling me that loan would mature in XX/XX/XXXX, without it telling me that there would be a balance. Had i known that there would be a balance due then I couldve sent extra money during the loan that would it brought it to XXXX or a small amount. Even when my loan matured I still kept making usual payment of XXXX then in XXXX I paid the final amount owned of XXXX. Santander Consumer USA reported to all my credit bureaus that I was late 60 days, when in fact I never was. I made every monthly payment. Plus they also stated in the payment history that i paid for an extension in XXXX and XXXX. I believe Santander Consumer USA has committed fraud because in the documentation they never wrote that there would be a balance amount due at end of loan. They could have come up with any number. I do not care about the balance that I pay, i am concerned because they hurt my credit by them reporting it 60 days late, at end of loan. Had I been properly notified that there was a balance due at maturity it would have been paid. Santander never made any attempt to notify me. I spoke to several of their supervisors the only one that took sides with me was the first one I spoke to in around the middle of XXXX when I first knew about this. I would like you to investigate Santander consumer USA into its loan practices. They could have come up with any number at the end of the loan and I just paid it plus I was also hurt by them reporting a 60 day late on my credit bureau. I also feel that I was not the only client this happen too, because representatives told me that they did this to all. So imagine how many people got the same malpractice of fraud and deception.
Product: Debt collection

Lady named XXXX from XXXX XXXX keeps calling stating I am being served for balance on a CC from Wells Fargo. She and her company have been calling various family members. The numbers are XXXX and XXXX. I have told them that this is inaccurate as I have already settled this balance back in 2016. I have never received anything in mail just calls. She keeps saying that they are mediators and that the case has been released and that I will be served.
Product: Vehicle loan or lease

I have made several attempts to make a loan payment on my account. I called numerous department phone numbers tried to pay my bill through the automated system and even tried to get into my account online. I wasn't able to retrieve my user ID or my password. Thier hours of operation are Monday through Friday XXXX to XXXX and those are the hours I work. I have no way of making a payment because there are no options to pay my bill outside of normal business hours. They changed their system so I haven't been able to log into my account in a long time. I need a way to pay my bill.
Product: Debt collection

Reference # XXXX NOTICE OF DISPUTE To : CAPITALS ACCOUNT I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 U.S. Code 6802 ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING.

THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the items that needs to be removed in my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00}.
Product: Debt collection

This debt appeared on my credit report in XX/XX/XXXX under the name XXXX XXXX XXXX XXXX. I contacted them to find out what the debt was as I had no knowledge of this account. They stated the debt was from an account XXXX XXXX XXXX. I had made them aware of my last contact with check into cash in person and of my payment to them which XXXX confirmed they saw. They then stated this appeared to be an online transaction after that date and I let them know I did have an incident of fraudulent activity after my last contact and it was noted on all accounts and my credit report for the last 7 years. In the same instance, all my checking accounts and credit cards during that period have been closed and I do not have records. I found it interesting this appeared after that note was no longer on my report. They then offered to validate the debt which in XXXX of XXXX, they sent me a letter stating they were unable to validate the debt and was removing the account from my credit report. I just opened a letter from Plaza Services LLC. stating I needed to provide them with a " voluntary '' identity/theft report on this same account. The letter enclosed was dated XX/XX/XXXX. I called them today and they stated XXXX is their affiliate for payments and they are the parent company. That they do not count the debt as being not validated and again I HAD to send the voluntary information in. I did inform them this account had been removed by XXXX from my credit report. It is not showing on my credit report at this time. The representative did not want to put in my request for validation of debt. In response I have sent an email requesting a validation of debt from them since they stated XXXX was not them. However, I am confused why they stated they are the parent company of XXXX and that if I paid XXXX it would be accepted but XXXX saying the debt was not validated is NOT accepted.
Product: Credit reporting

Demanding A Credit Bureau Investigate Confirmation # XXXX To Whom It May Concern : I recently submitted a request for investigation of the following Acct Numbers : XXXX XXXX BAL. {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BAL. XXXX These account have not been verified accurate please delete. These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs. 
XXXX, XXXX vs. XXXX ( XXXX ), and XXXX vs. XXXX, Equifax, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
Product: Credit card or prepaid card

Hello, I have been a loyal customer of Capital One, I have consistently paid my bill on time and I have a credit card and car payment. Capital one recently prevented me from paying my credit card bill, it barred me from logging into my account and paying online. It did so despite logging in with the same IP address as always and getting the password correct. As result of Capital One barring me from making a payment, I incurred a late fee. 

I proceeded to attempt to pay over the telephone, however Capital One unlike every other credit card company does not have an automated payment over the phone, capital one requires you speak to customer service. Capital one incredibly then refused to process my payment, claiming that they had to right to refuse payment because I was " rude ''. This is pretext. As result of Capital One 's actions I have incurred late fees on my account, eventually I was able to pay online after I replaced my cell phone and retrieved my prior number, something which took several weeks. 

I would like the CFPB to investigate Capital One, I have read accounts of the same problems from customers online where Capital One arbitrarily denies the customer the ability to pay and then they incur late fees and sometimes their account becomes delinquent. Capital one profits from late fees and other fees when customers are unable to pay their bill.
Product: Mortgage

My mortgage rate was adjusted upwards and I did not see the notice, so I paid the usual amount for XXXX. 
I received an email saying they had no record of my payment for XXXX. I called them. 
They said they did in fact have a record of my XXXX payment, but that their statement that they had no record of my XXXX payment was nevertheless true, since it complied with their own internal procedures. I complained about the wording, since it was a knowingly false statement and I believe it was calculated to induce stress. They said they were sorry about how I felt ( but not about what they did ). 
I spent the rest of the day on the phone with them, trying to log into my online account and getting very little help. I was eventually successful and paid them. 
A large financial company should not conduct its business by making false and XXXX  statements and causing damage to quality and length of life disproportionate to the trivial amount of extra profit obtained by manipulating people in this way. 
There are far worse behaviors but, like compound interest, every little counts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, for about a year now I have been trying to pull my Transunion credit report online on XXXX  and I have been unsuccessful. 

My Transunion credit report is not generating on the website. I also can't use the Transunion website because it says that I need to pull my credit report first in order to file a dispute. 

I have addressed this issue tons of times through email, and telephone but I am still not able to get it. If I go to apply for credit, the creditor can't obtain my Transunion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent a letter to Experian, and received no response, nor received any indication of investigation of these erroneous accounts that are on my credit report. This inaccurate information affects me daily, and is affecting my ability to remain employed and secure housing. I have reached out to Experian over and over again, explaining that there are gregarious errors within my consumer report, and time and time again they do nothing. I can not stand for it no longer and need someone to step in and step up to these bullies! Please help me reclaim my rights! This is not fair and prejudicial to continue to display this information that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was sent to your attorney with a failure to response on his behalf. See that he gets this in the next five business days or else more legal action will be filed for improper use of my credit file. I did not ask your office to investigate anything since the pending lawsuit was filed. Therefore you shouldnt be investigating anything on my behalf! 

Hi XXXX, I wanted to bring this to your attention that I received information from your client Experian claiming that they had completed an investigation on or around XXXX XXXX I have not asked them or requested anyone to open up any investigation in my name since I filed suit, Im attempting to file another lawsuit for violating the FCRA for improper used of the credit report. We are awaiting trail! They should not be tampering with evidence and a pending trial, I asked you to advised your client to cease and desist immediately. As more and possible legal action could and will be filed! 

Thanks, XXXX XXXX
Product: Debt collection

While reviewing my credit report onXX/XX/XXXX, I noticed a closed account from Swiss Colony/XXXX with a balance of {$110.00} that did not belong to me. I disputed the account with all 3 credit bureaus and in addition, onXX/XX/XXXX I sent in an affidavit along with the claim to the creditor itself. On XX/XX/XXXX, I called the creditor to inquire about my claim and was told I would be contacted within 15 days regarding the claim. I have yet to hear from the creditor in regards to my claim, but I have contacted all 3 credit bureaus and have been told that the creditor has reported the accounts to be verified. The creditor has not provided proof of ownership the account, and I have learned the creditor has recently reported bogus addresses to XXXX that do not belong to me which is illegal and improper practices.
Product: Mortgage

I got a letter from PNC Bank dated XX/XX/2023 stating that they incorrectly quoted my fixed HELOC interest rate at 8.14 % but it should have been 8.0285 % since the beginning of the loan. When I called and spoke to a representative to ask if this rate was applied for the life of the loan which was established on XX/XX/2023, they told me that I got the lower rate. I was also told the lower rate was applied since the loan was established and I had already received a credit for any overcharged interest. However, when I reviewed my XX/XX/2023 statement, it showed that the higher rate of 8.14 % was still in effect for at least 8 days during the prior month of XXXX and it did not show any credit for previously overcharged interest. How can I be assured that they calculated my rate correctly and applied the lower rate to my account for the full duration of my loan? I would like the CFPB to investigate.