23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to remove the collection account from my consumer report. Please see attached documents.
Product: Mortgage

They tell me my most highest loan amounts were over XXXX when infact i only borrowed or refinanced a small amount, not XXXX.i would like to see the check that was issued to me. i had been with XXXX XXXX and added money to an existing loan, however the break downs are not on the contract that Statebridge XXXX XXXX sent me. Never did they tell me this was a 15 years to pay this off. Well in XXXX i started paying up until XXXX maybe of XXXX. I have been paying XXXX a month for 15 years and still owe the same amounts. I have paid over XXXX for this loan and still have a balance of over XXXX. They have not been trulful to me nor does the numbers add up. I am seeking help on this, infact i have ask them to settle with me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX i also lost my job and my husband during the last 2 years I am at the mercy of anyone who will just hear me out or show me how this all played out
Product: Credit reporting or other personal consumer reports

I wanted to share a frustrating issue I'm dealing with. My credit profile keeps getting mixed up with someone else 's, and no matter what I dolike filing an FTC report and contacting creditorsit just won't get fixed. Here are the accounts : Please review and remove these fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I've read up on my rights under the FCRA, especially Sections 609 and 611, and it feels like those rights are being ignored. I've reached out to the credit bureaus multiple times, but nothing has changed. 

Just needed some help
Product: Credit reporting, credit repair services, or other personal consumer reports

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of this account or have Equifax get back to me with regards to the issue. Here is the account that concern me. 
XXXX XXXX {$490.00}
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

1. XXXX  XXXX | ACCOUNT # : XXXX | {$0.00} 2. XXXX  | ACCOUNT # : XXXX | {$13000.00} Additionally there is a public record listed that should not be listed on my credit report as the courts do NOT report public record information to the credit bureaus which means that information was illegally posted to my credit report without my written authorization. Unless this written authorization can be provided by each of the credit bureaus this information must be removed immediately. Further the information presented is not accurate and that is further infringing on my rights and a direct violation of the FCRA as the law requires 100 % accuracy on all consumer credit reports. 

1. XXXX XXXX XXXX  IL XXXX | REFERENCE # : XXXX
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have requested validation of debt on two occasions and the company failed to provide requested information. I have attached documents as proof of request and information that was given. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I They have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Product: Credit card or prepaid card

On XX/XX/XXXX I took out a cash advance in the amount of {$1400.00}. On XX/XX/XXXX I made a payment in the amount of {$1400.00}. The minimum payment was {$280.00}, I was under the impression that any amount paid over the minimum would be applied to that portion of my credit card balance with the highest interest rate. When I saw that was not done I called on XX/XX/XXXX and asked if the excess over the minimum payment could be applied to the portion being charged the highest interest, I was told that was not possible. 

I thought the Credit Card Act of XXXX made it very possible to pay off the higher interest rate by making a higher than minimum payment.
Product: Credit card

Macys ( Citibank ) AGAIN is trying to charge me interest on a paid off balance. My due date is the XXXX, my statement balance was paid in FULL EARLY on XX/XX/XXXX ( {$21.00} ) which they acknowledge. But they are trying to charge me a {$2.00} interest fee on both my XX/XX/XXXX and XX/XX/XXXX statements. This is NOT the first time they have done this, it happens EVERYTIME I payoff my balance. I pay in full ON/BEFORE the statement due date yet the next statement they hit me with this illegal interest fee. When I call to question this, they tell me it is the min interest charge because I would have had to payoff the month BEFORE this to avoid it??? They are doing this knowingly because more than once I have brought their error to their attention and they are doing this to thousands of other clients as well, many who don't know any better and pay it. Then they also send late notices and make collections calls on this BOGUS " padt due '' balance including reporting it as past due to the credit bureaus as well. This is illegal and a scam being perpetrated against their customers and who knows how much illegal income they derive from it ( which is most likely why even though it has been brought to their attention, they continue to do it ). Citibank and Macy 's should be thoroughly investigated for these intentional illegal practices, be made to reimburse those who were made to pay these illegal charges, heavily fined for the violation of the laws and paid damages to those who have had their credit reports FALSELY damaged with their BOGUS reports of late payments and padt due status. I have saved the voice recorded collection call I received on my home phone today and will try to include a screen shot of my XX/XX/XXXX statement showing this charge. Please do something to make them stop this illegal practice for the sake and benefit of the consumers they are scamming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to pay PayPal Credit and XXXX XXXX XXXX XXXX on numerous occasions and they could never receive my payments. Although my attempts were made, they still insisted on sending my bills and failed to resolve my problem as of XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have been trying to close on a new home since XX/XX/2024, but I have been faced with significant inconveniences. My sense of being an American is diminishing, and I feel excluded from achieving the American Dream. A problem with my credit was corrected, and as a result, the three credit bureaus made changes to my score that actually lowered it, affecting my current interest rate on the home purchase and making it unaffordable. 

This situation is ridiculous, and I am exhausted by this scoring system, which seems to discriminate against XXXX XXXX XXXX individuals who may not have the same financial means as white individuals. I work hard, like most Americans, and I pay my taxes, yet I can't obtain fair treatment regarding my credit. This unfairness limits my ability to make significant purchases that could help generate wealth for my family. 

I am tired of struggling with this issue. It needs to be fixed, changed, or modified to more accurately reflect the efforts of Americans who work hard and pay their bills on time. As of today, I can not close on my Loan and subject to losing XXXX XXXX
Product: Credit card or prepaid card

Thank you for taking my complaint. This complaint is about a Barclaycard that is co-branded as a XXXX XXXX Visa card. 

On XX/XX/XXXX, I received an email credit card offer from XXXX that said I could earn up to XXXX bonus points if I opened a XXXX XXXX   card. I would need to apply by XX/XX/XXXX. If accepted I would receive XXXX points if I charged {$1000.00} in the first 90 days and XXXX points with an additional {$2000.00} charged within 180 days. 

I applied for the card in XX/XX/XXXX and was accepted. I met the first requirement and received the XXXX bonus points. I then met the second requirement but never received the XXXX points  as advertised. 

I can provide you with the details if required but, in summary, numerous emails and phone calls over several months to both XXXX and Barclay 's did not resolve the missing points issue. This resulted with me receiving a letter from Barclays indicating I needed to call them to provide additional details in an attempt to resolve the issue. 

I called Barclays customer service on XX/XX/XXXX. The first line customer service employee, while very pleasant, was unable to help me. I requested to speak to a supervisor. The supervisor ( " XXXX '', again a pleasant person ) was able to confirm that I had met the terms of the offer as required. However, XXXX indicated that in order for me to receive the additional XXXX points I  needed to apply for the card on XX/XX/XXXX, and the offer was only valid on this day. 

Needless to say I was shocked at this bait and switch. Months of frustration resulted in me immediately cancelling the credit card and I informed XXXX that I would be filing a complaint with the CFPB. She cancelled the card as I requested and I'm filing this complaint. 

I never received my points and I may be losing the points I earned. I will never do any business with Barclays and I will be informing XXXX XXXX of the poor customer service from their partners.
Product: Mortgage

XXXX XXXX, XXXX Dovenmuehle fraudulently purchased home insurance on my property and is forcing me to buy home insurance. My LTV is at 45 % .Due to the fact my loan was sold to XXXX XXXX shortly after obtaining mortgage in XX/XX/2016 I am not required to carry private home insurance when LTV is at 80 % or less. 

The extortion, fraud and harrassment need to stop now!
Product: Consumer Loan

During the lease contract, the finance person at XXXX XXXX never went over all the clauses associated to the contract. The finance person was pretty deceptive in omitting the fact that Lexus financial would be charged a property tax by the city of XXXX XXXX when a vehicle is leased. The wording in the clause that I signed made it seem as if the fees imposed are my normal vehicle registration fees I would pay the city which is standard in my state. It even indicated that in the state of Texas we are exempt from property tax. I should not have to pay property tax on a vehicle I do n't fully own. I have never paid property tax on any of the vehicles I have financed and should not be held to a different standard because of a lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, AMERASSIST AR SOLUTIONS, added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, AMERASSIST AR SOLUTIONS has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed XXXX XXXX {$15000.00} I contacted XXXX XXXX to negotiate a settlement. 
They referred me to XXXX XXXX XXXX. 
XXXX XXXX of the XXXX XXXX XXXX sent me a letter stating XXXX XXXX would accept {$11000.00} as " settlement in full ''. 
I paid the XXXX XXXX XXXX {$11000.00} on XX/XX/2020. 
I have the letter signed by XXXX XXXX and the receipt from XXXX XXXX XXXX to prove I have met my obligation and have settled this account in full. 
XXXX XXXX is still reporting I owe them and additional {$3800.00} to all three credit reporting agencies. 
When I file disputes with the all three credit reporting agencies they ignore the documents I have provided that proves that this debt has been " settled in full '' and tell me that XXXX XXXX says the information they are reporting is accurate. 
I have contacted XXXX XXXX and they just refer me back to XXXX XXXX XXXX. 
I have contacted XXXX XXXX XXXX and they just state that XXXX XXXX should be reporting the debt at settled in full.
Product: Mortgage

I applied for a mortgage loan XX/XX/2020 through Cornerstone Home Lending. At that time, a Loan Estimate was provided to me with a total amount of Title fees and services as {$1500.00}. A Settlement Service Providers List was provided at that time which listed one service provider, Independence Title, as the vendor the Lender would use should I choose not to select my own provider. I did not choose my own service provider for title services. 

Upon receiving my initial Closing Disclosure on XX/XX/2020, I noticed on page 2 of the disclosure that Title fees had increased to {$1800.00} and that the fees were incorrectly placed in Block C, the section designated for fees the consumer has chosen their own service provider for. I immediately notified the representative I was working with at Cornerstone of this and requested clarification. There had been no change in circumstance communicated to me from the time of my initial application to the time I received my initial Closing Disclosure that would warrant an increase in title fees. 

The Lender notified me that, because the name of the vendor listed on the Closing Disclosure was different than the vendor listed on the Settlement Service Providers List, they were, " not out of compliance '' ( see attached email from XXXX XXXX from XX/XX/2020 and from XXXX XXXX on the same date ). 

Although the lender elected to make me financially whole by issuing a general Lender Credit to cover the amount of the difference the fees had increased beyond the 10 % limit, I want to stress the importance of my primary concern. Please note the correspondence from the lender that I've provided acknowledges they were aware I did not choose my own service provider for title services. These fees were still listed in Block C of the Final Closing Disclosure, although the Lender acknowledged prior to closing that they were aware I did not choose my own service provider for title services.

It appears, based on the responses provided from the Lender in the previous email correspondence referenced, that Cornerstone Home Lending has built a process to circumvent TRID fee tolerance testing by listing one vendor on the Settlement Service Providers List in the initial disclosure package to a consumer and then choosing another provider on the consumer 's behalf and placing those fees in the section of the Closing Disclosure that is specifically for fees the consumer has chosen their own vendor for since those fees would not be subject to tolerance testing. This is both deceptive and not in the spirit of the intent of the regulation to protect the consumer from frivolous fee increases. This is appears to be systemic issue that must be resolved with an update to Cornerstone Home Lending 's general lending practices.
Product: Mortgage

Bayview loan Servicing llc has added XXXX to my Mortgage that was sold to them by XXXX XXXX XXXX who did foreclose on me in XX/XX/XXXX.I filed for modifaction in XX/XX/XXXX and was denied stating I failed to return documents 4 times I needed that modafication my spouse XXXX XXXX do to injury 's from XXXX.I did the modifaction with Bayview with the interest rate the same 7.25 % for 45 years I had already paid for 16 years my balance was XXXX.I Have paid them for 2 years always ahead not behind. I provided a lot of evidence to the credit Company 's as of XX/XX/XXXX the credit Company 's have deleted Bayview Loan Servicing llc from my credit file.I 'm paid up till XX/XX/XXXX.Also they sent me 2 XXXX tax forms one under my info and another one under my name along with my XXXX Spouse under XXXX XXXX XXXX   XX/XX/XXXX.If you could please help me I have no funds since Irma.Much respect.I DO NOT OWE XXXX .XXXX SHOWS ON CREDIT REPORT PAID 100 % OF  MORTGAGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX of adverse action by XXXX from XXXX XXXX advising me of denial of an auto loan applied for on XX/XX/XXXX at XXXX XXXX XXXX in XXXX XXXX Florida, over XXXX  miles from where I live. This denial listed the reasons of too many work phone numbers and too many email addresses to approve the applicant. Neither which would apply to me. Knowing my credit has been frozen for a long time with fraud alerts due to excessive identity theft and I had not done any lifts any time recently, I immediately called the company listed on the letter, gathered all the information they could provide and checked my credit reports. Both XXXX and XXXX looked secure with no changes and no inquiries had been made. Neither had any freeze changes at that time either. Equifax, however, though no freeze had occurred since XXXX, showed a hard inquiry from XXXX on the date on XX/XX/XXXX. XXXX had advised that it was odd I had received this letter more than a month after the application and it had long been expired. The credit reporting company listed on this letter was one I was not aware of. XXXX XXXX XXXX XXXX XXXX Department in XXXX XXXX, CA. I located their contact information and immediately sent them an email to remove any information they had obtained on me and rescind any they had sent to other companies as it was obviously wrong by the absurd reasons listed on the letter and unauthorized recent of personal information on my Equifax report while under a freeze. I explained that I had NOT applied for any auto loan and I would be reporting this breach of privacy and data to the proper authorities. I received a response that was a request to call them. I declined and reiterated that I was under no obligation to communicate with them and had no knowledge of them or their business with me. The reply I received was borderline threatening and stated there would be an investigation and I was to be possibly notified pending the outcome.
Product: Credit reporting or other personal consumer reports

Several credit card accounts have been opened, closed, placed in collections and acquired debt without my knowledge whatsoever. I am in the process of disputing everything in order for my credit to be repaired and restored. I have had some removed but I was told to continue by going through this process in order to prove my innocence. I'm looking to have this done as fast as possible, being that it is directly impacting my livelihood. As of XXXX, I have filed multiple disputes with credit card bureaus but I can not keep up with it all so I'm looking to take this step and receive some assistance.