23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I received a late fee in XXXX 2015, which was waived in XXXX 2015. When I made my XX/XX/XXXX payment, I paid the scheduled monthly payment, but did not include the late fee. Payment was made on time. Because I did not include the late fee, I incurred another late fee. When I made my XXXX scheduled monthly payment, I did not include the late fees. Teh payment was made on time. Because I did not include the late fees for XX/XX/XXXX and XX/XX/XXXX, I incurred another late fee. Even though I made my schedule monthly payments on time, because I incurred a late charge once and did not pay it, I am subsequently incurring late fees every month. 
Is it legal to continue charging late fees month after month just because you did not pay the first late fee and you paid the scheduled monthly payments on time?
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts and inquiries : 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: Credit reporting or other personal consumer reports

CFPB JUST ERASED MY WHOLE DISPUTE. XXXXXXXX XXXX XXXX XXXXXXXX received my remittance coupon payment that was sent on XX/XX/year>. XXXXXXXX XXXX XXXX XXXXXXXX closed my account on XX/XX/year>. Also still reporting late payments to all three bureaus. SAD!!!!!!!!! 

Violations of My Consumer Rights!!!

28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 18 USC 1344 UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.
Product: Mortgage

My property at XXXX XXXX in the city of XXXX, New York XXXX had a fire in XXXX of XXXX. Back in XXXX I had mortgage on the property in the amount of XXXX dollars. My insurance on the property was through XXXX XXXX XXXX who issued a check with the Mortgage Servicer Seterus Inc. and myself on the check. Seterus had my attorney XXXX XXXX have me signed the check and they would refund the balance to me. They then stated that I owed the entire amount of {$62000.00} and refused to refund me the balance. My former Attorney XXXX XXXX has since retired and I have no legal representation.
Product: Credit reporting or other personal consumer reports

I have contacted Transunion as well as XXXX on multiple occasions regarding Hard inquires that I was unaware of on my consumer report throughout 2023 when I started to assess my reports due to starting the homebuying process in XX/XX/2023. Transunion and XXXX refused to remove these inquires after being told they were unauthorized and that the companies furnishing this information is not able to give me any deletion letter to provide to the bureaus due to me not having an active account. These companies informed me to reach out to the bureaus to dispute with them directly. Over and over Transunion and XXXX have directed me back to the companies even after me providing the information I was given. I was then informed by Transunion XXXX XXXX XXXX who provided me with a file # XXXX as well as XXXX XXXX in XXXX XXXX and XXXX that I had to file a complaint in order to have the inquires removed. Creditors can not lawfully pull your credit report without your written permission until you indicate a desire to get a credit.
Product: Mortgage

THE LOAN HAS BEEN PAID OFF YEARS AGO THROUGH PAYMENTS IVE MADE IN AND OUT OF MY BANKRUPTCIES. I WANT MY DEED RETURNED TO ME AND I WANT MY LOAN TO BE CONSIDERED PREDATORY LENDING AND MY LOAN SHOULD BE NULL AND VOID AND THE ENTIRE GROUP INVOLVED IN THIS LOAN SHOULD BE STOPPED FROM EVER DOING A LOAN AGAIN. I WANT ALL MY MONEY BACK AND ATTORNEY FEES AND MENTAL AND PHYSICAL, SOCIAL AND FAMILY DISTRESS THESE HARD MONEY LENDERS HAVE CAUSED. THEY DESTROY LIVES AND PURSUE WEALTH THROUGH THE HARD WORK AND SWEAT OF WHAT OTHERS HAVE DONE BY TAKING THEIR ONLY POSSESSIONS. THEY FINANCIALLY TARGET LESS ECONOMIC FAMILIES AND MINORITIES. TO GAIN PERSONAL WEALTH. THEY NEED TO BE STOPPED AND EVERYBODY THEY TOOK FROM SHOULD BE RETURNED TO THEM AS WELL AS THEIR FAMILIES IF THE BORROWERS ARE DECEASED, THESE HARD MONEY LENDERS KILL PEOPLE BY THE MENTAL AND PHYSICAL ANGUISH THEY CAUSE ON OTHERS. THE DO ABSOLUTELY XXXX TO ASSIST AND PRACTICE DECEPTIVE BUSINESS.
Product: Checking or savings account

Hey, I was wondering someone using my credit without my knowledge. Ill try to get it squared away but is hurting my credit score everything own my credit file is incorrect an I need help dispute all the accounts of fraud I really need help I have kids I am mother of 6 children Im homeless living with friends an family members trying to have dream house Can someone please help my family XXXX XXXX XXXX
Product: Mortgage

After making only XXXX mortgage payment to the lender that our builder wanted us to use, our mortgage was purchased by Plaza Home Mortgage ( PHH ) and their loan servicing is the worst experience I have ever had. We made a normal mortgage payment for XX/XX/2022 which was processed by the company on XX/XX/XXXX. A few days later an additional payment was submitted to the company in an amount of about {$48.00} dollars more than the normal monthly payment to be applied to the principal. The payment was processed 6 days later on XX/XX/XXXX as a regular mortgage payment and only {$48.00} was posted as additional principal ( principal curtailment ). I immediately contacted PHH and they said they would adjust the amount. Several days passed without action and I called them again. I was told that the action was to be taken XXXX, XX/XX/XXXX and would be back dated to when the processed the payment incorrectly. The agent admitted that the transaction was posted incorrectly. The correction is still not made. The company obviously is and I will be calling again today to add an additional complaint. I have to wait until after XXXX XXXX XXXX when the XXXX representatives who can actually handle the issue start working as their call center is off shore and these agents are not helpful in resolving any real issues. Their hold times are excessive as well. This is not the first problem I have had with PHH, as when they first took over the loan, they did not post all of the funds that were held in escrow. The missing amount was under {$50.00}, but it took several calls and days to correct the escrow amount. Another issue was that PHH had listed the annual taxes at about a fourth of the amount that would be charged by the county, which would result in a huge deficit in escrow balance. The original mortgage company had a more accurate figure for the taxes but PHH came up with an amount from XXXXhe county for the previous year when only the land was taxed before the home was built. An additional issue was that we switched homeowners insurance companies right after closing resulting in a higher annual amount and it was extremely difficult to get the monthly escrow amount corrected for this increase. Plaza Home Mortgage is very difficult to work with and I do not see that they are able to handle any mortgage properly. I can not wait unit our loan is paid off which will be ASAP. 

Someone needs to review the practices of this company, as I am sure I am not the only one who is receiving poor service from this company. There should also be regulations in place to prevent companies such as this from buying mortgages without the consent of the mortgagor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PL XXXX, OH XXXX
Product: Debt collection

CCS is contacting me about a XXXX bill and threatened to report it to the credit bureaus but has not provided any debt validation, the XXXX insurance was canceled months ago and I began insurance with a new carrier
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the inquiries below that are not mine. I have reached out to the credit departments but they have not corrected the issue. There is a person by the name of XXXX XXXX XXXX that is using my social security number to try to open up new accounts. 

Account name XXXX reported XX/XX/XXXX XXXX XXXX  reported XXXX XXXX, XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ga, XXXX XXXX On XX/XX/XXXX, XXXX, I called 1st investors to pay off the remaining balance of my car, XXXX, XXXX XXXX the remaining balance was {$1100.00}. Because of the payment system they had in place, I had to pay two different totals. Both transaction id 's are : XXXX Fee of {$13.00} XXXX Fee of {$13.00} The person I spoke to was XXXX, XXXX, ext. XXXX After several months I receive a letter stating that I still owed {$100.00}, per XXXX. I have talked to them, I have had the XXXX talk to them. After all this time, no one can tell me where the {$100.00} came from!! As of XX/XX/XXXX, The balance has increased to {$150.00}!! 

Why would I pay off my loan and not pay off {$100.00}. I need my credit report to reflect this and I need my title! 

During the times I tried to fix this, I spoke to a XXXX and XXXX at XXXX, a collection agency. They had no record of it. I also spoke to a XXXX XXXX, who works in Legal with 1st Investors, and she was the one who told me to talk to the above collection agency. This was approximatey XXXX of XXXX
Product: Credit reporting or other personal consumer reports

This Account was charged off on the following date : XXXX XXXXXX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment History. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a student loan with duplicate amount and incorrect information that was sent to XXXX in the amount of {$150.00}, XXXX I contacted loan servicers who had refused to investigate the loan and to correct it but sending wrong information to my credit report XXXX weeks ago, I received an alert from XXXX a student loan is in the amount of XXXX, XXXX. I contacted loan services ( XXXX XXXX  they denied reporting such information and XXXX had refused to delete such information XX/XX/year> I received an alert from XXXX with a student loan debt in the amount of {$480000.00} today. I contacted XXXX XXXX  twice and was told they did not report this information to experian. spoke with XXXX who said they will not remove them unless XXXX told them. I have been playing like a yo-yo.
Product: Money transfer, virtual currency, or money service

I used external transferred {$1.00} on US Bank webside on XX/XX/2023 to Lending Club My account XXXX was debited {$1.00} XXXX XXXX stated they never received this {$1.00}, I checked with them many times. 

I called US Bank XXXX several times and went to the US Bank branch in XXXX, CA, so far the problem still not resolved. 

Now I closed the XXXX XXXX account, I need US Bank to CREDIT BACK {$1.00} to my account. 

BTW, I used external transfers between my US Bank and XXXX XXXX previously, they all went through without any issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act the following listed below has violated my rights. 

XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Hello, I am writing you because I dont recognize any of these inquiries on my credit report. 

I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. I would like all them to be removed immediately. 

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

I traded the vehicle and apparently their department took a while to process the check from my new lender. They called me everyday of the week after I told them I traded the vehicle stating that I'm still responsible for the payment until the check clear which is not true. XXXX  place a late payment in my credit report and days later sent me an email with the car being paid in full. 
I called and asked them to remove the late payment but they declined. I have no loan with this company anymore therefore they had the check in process which mean the late payment should be removed & account show paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX you are in direct violation of the fair credit reporting act XXXX XXXX XXXX, XXXX has violated several of my rights. 

15 U.S.C. 1681 section 602 A. clearly states that 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 an account without my written instructions.

15 U.S.C. 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Vehicle loan or lease

the company TNT FINANCIAL have violated my rights as an consumer pursuant to the TRUTH IN LENDING ACT and FAIR DEBT COLLECTION PRACTICES ACT, Once fraud is detected a contract shall be null and void, documents were falsely furnished to make me believe that i the consumer and original creditor owed such alleged debt, also documents were produced to make me believe i had gap insurance and a recall when the documents belong to the previous owner and had nothing to do with me, XXXX XXXX TNT FINANCIAL received a request for validation of alleged debt along with a specified remedy to invoke my rights as the CONSUMER in fact i have attached labeled Exhibit A through Exhibit Z the violations i wish to be compensated for as well as the response from TNT FINANCIAL 'S attorney which further violates my rights as a CONUMER please take a close look at the attachments and Thank you for you assistance
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Sent a XXXX payment to my roommate but roommate didnt inform me they closed the account and wasnt able to cancel it right after i sent the money. Now wells fargo will not return my {$800.00} that is missing from my account. As i sent money via XXXX instead to my roommates new bank account. They denied the claim saying the payment was completed regardless of the issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries listed on my credit report, which I obtained on [ Date of Report ]. The following inquiries were made without my consent and are inaccurately reflected on my credit file : XXXX XXXX  - Inquiry Date : XXXX XXXX  - Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX - Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX - Inquiry Date : XX/XX/year> These inquiries do not reflect any legitimate or permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws. Specifically : FCRA Section 604 outlines permissible purposes for which inquiries may be made, emphasizing that inquiries must have the consumer 's consent.

FCRA Section 609 affords consumers the right to dispute inaccurate or unauthorized information on their credit reports.

FCRA Section 611 requires that consumer reporting agencies investigate disputed items, such as unauthorized inquiries, and correct or delete information found to be inaccurate or unverifiable. 

Additionally, the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or because an applicant receives income from a public assistance program.
Product: Debt collection

On this date, XX/XX/year> a collection was opened by the following company, CREDIT CORP SOLUTIONS IN OPEN BALANCE {$2200.00} I have never signed any written document agreeing that I owe this debt to this collector. They are violating my rights of the FCRA as a consumer.

I do not have any knowledge of who this company is and I have no written consent from my behalf.

In addition, they have not verified that I owe this debt to this company. Please have this removed from all three credit bureaus. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these.
Product: Mortgage

Penfed XXXX " XXXX '' refused my online payments after many months of successful payments stating my payment was " ineligible at this time '' because I had vehicle loan with Penfed that went into default. 

Penfed refused to take payment for my mortgage because I was late with my vehicle loan!!!
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

All accounts are held by : 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 amount {$510.00} 15 USC 1681 ( s ) ( 2 ) 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. 

XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX STATES THAT NEGATIVE INFORMATION SUCH AS UNPAID DEBTS COLLECTION AND STUDENT LOAN DEFAULTS CAN USUALLY ONLY REMAIN ON A CREDIT REPORT FOR 7 YEARS. 

15 USC 1681 section 602 ( A ) states I have the right to privacy 15 USC 1681 Section 604 ( A ) section 2 : Alos states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) States 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. 

15 USC 1681 ( e ) ( b ) Accuracy of report Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals to whom the report relates.

Due to the inaccuracy of these reports I have not been able to obtain a home and other necessities that are needed by credit score. Also they have not given me any information on these accounts. They have violated my rights and not have sent any information on how they obtain my accounts. I want them removed and my credit restored immediately. 
Kind regards,
Product: Credit card or prepaid card

Wells Fargo/Health Advantage off ered a product satisfaction guarantee as offered by both  XXXX  and  Wells Fargo/Health Advan  tage. If the h  earing aids did not w ork to satisfaction within period then return the hearin g aids and the y would credit the card back and cancel the transaction.     I returned the hea ring aids  to  XXXX   XXXX   XXXX  in  XXXX , TX and notified the company that I returned them. I cont acted Wells Fargo a nd told them. They promised to refund and close out this credit card account.     I never even received this credit card. It was just a promotion wit h Wells Fargo and    XXXX   XXXX   XXXX  that I saw on tv offering 0 % interest for  one year and  product guarantee 100 % satisfaction.     I could never hear or wear the hearing  aids because they  never worked.