23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2020 I made a regular payment for XXXX by phone to my HELOC lender PHH # XXXX. 
On XX/XX/2020 my lender applied my entire payment to principal and then claimed I was late with the XXXX payment. I called to get the problem corrected. After speaking with their agent I was sent a letter dated XX/XX/2020, by PHH that read that I had made a late payment. Attached is copy of the payment statement and the XX/XX/XXXX letter. 
My complaint is that PHH has made a false record of their misapplication of my payments. This the second time that they have done this ; Case Number XXXX / Regulatory Case ID XXXX, attached.
Product: Debt collection

CFPB XXXX XXXX Portfolio Recovery Associates , LLC Subject : Formal Complaint for Violations of FDCPA, FCRA, and State Collection Licensing Laws Consumer Details : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Respondent Details : Portfolio Recovery Associates , LLC Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Overview : This complaint addresses Portfolio Recovery Associates XXXX XXXX ( XXXX ) numerous violations of federal and state laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as well as Illinois collection licensing laws. XXXX has engaged in the following harmful practices : 1. Failure to Validate Debt Before Reporting : XXXX reported an alleged debt to credit bureaus without properly validating the debt upon initial communication or after multiple consumer requests, as required under 15 U.S.C. 1692g ( b ). 
The response letter dated XX/XX/year> was only received after filing CFPB complaints and was grossly delayed, showing disregard for legal obligations. 

2. Inaccurate and Harmful Credit Reporting : XXXX continued to report the disputed debt inaccurately to XXXX, which constitutes a violation of 15 U.S.C. 1681s-2 ( b ) under the FCRA. 
Even during dispute investigations, XXXX failed to ensure accuracy and did not correct erroneous reporting, causing consumer harm. 

3. Unlicensed Collection Activity : XXXX engaged in collection activity in Illinois without demonstrating valid licensing during the disputed period. Licensing lookup shows their renewal was initiated only after multiple complaints. 
Past disciplinary actions by the IDFPR ( Case # XXXX ) show a pattern of misconduct, including lawsuits on time-barred debts. 

4. Failure to Provide Full Validation Documentation : XXXX failed to provide essential documents, including forward flow agreements, proof of assignment, and itemized debt breakdown, in response to validation requests. 
This raises concerns about whether XXXX lawfully owns or has the right to collect on the alleged debt. 

5. Double-Dipping Concerns : An IRS Form XXXX has been filed, alleging XXXX may be unlawfully double-dipping by reporting charge-offs while also seeking collection. XXXX has not provided clear information to dispel these concerns.
Product: Credit reporting or other personal consumer reports

My address isnt updated to where I live, its telling me where I lived a few years ago but Ive moved a couple times already. Also, my bank accounts arent the same and my recent job hasnt been updated.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to TransUnion on XX/XX/year> regarding inaccurate information on my credit report. After I didn't get a response within the required timeframe, I sent a follow-up letter, including an intent to sue them. Instead of properly investigating the disputes, TransUnion sent a letter dated XX/XX/year>, falsely claiming they could not verify if I personally submitted the disputes. I believe this is a delay tactic and a violation of my rights under the Fair Credit Reporting Act. I have made multiple attempts to have this issue resolved, and the inaccurate information is still reporting on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # : XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy. 

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/2021, a representative for Flagstar Bank was peering in my front window. I asked them what they were doing and they said delivering a message. Peering in my front window has nothing to do with delivering a message. 

This same message left on the doorknob has been delivered on numerous occasions. I am in forbearance on my mortgage and will resume payments on XX/XX/2021. Everything is in order on my online account. I have tried to reach out to Flagstar via the telephone number indicated on the message but am unable to get through with a maze of automated messaging and wait times. 

Flagstar is in violation of State of Maryland breach of privacy ( peeping-tom laws ) and at this point, trespassing.

Flagstar is hereby notified that they are not permitted on my property and action will be taken if they violate any and all of my rights.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax multiple times about my credit report having incorrect information on my file My Name is XXXX XXXX, I am a victim of identity theft and have updated my supporting docs I want all inquires and accounts to be remove that I have enclosed in the report I also want a check of {$5000.00} as a settlement due to them causing damages in my finances and for violating my consumer rights and going creditors invalid information about my report or I will file for litigation as the XXXX negative accounts that are reporting negatively were all deleted and then re inserted back on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to inaccurately report an account from National Credit Adjusters. This creditor was removed from the credit report on two prior occasions under the original creditor XXXX XXXX. They now have a collection agency ( National Credit Adjusters ) re-reporting the same information on my credit report and changing the date so that they can keep reporting it. They keep bouncing from bureau to bureau I have filed a complaint where they reported on XXXX doing the same thing. I want this collection agency to stop reporting this debt which is way over 7 years old and they redate it so that they can keep in on my report. This is shady on the part of XXXX and National Credit Adjusters.
Product: Vehicle loan or lease

I settled my old capital one auto loan account starting with XXXX on XXXX XXXX, 2021. They then reported my credit delinquent on XXXX 2021 in error. Account was settled in full, and they took a long time for this to reflect in the system causing my credit to be marked as delinquent in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED DOCUMENT OF MY STATE ID AND ALL 3 CONSUMER REPORTS WITH PREVIOUS REQUEST. 

I have already attempted to remove these addresses back in late XXXX it has now been OVER 30 DAYS per FCRA as a federally protected Consumer i am now opting out of any and all authorizations that i the consumer may have given. per 15 UCS 6802, effective immediately as you are hindering my ability to obtain credit.
Product: Mortgage

Originally when I purchased my home in XX/XX/XXXX I was told that I would pay PMI insurance for 5 years. After 5 years if I had 20 % equity in the value of my home I could stop paying PMI. 

On a visit to the bank ( Wells Fargo, loan servicer ) around XX/XX/XXXX I was told that if I waited till XX/XX/XXXX I already had enough equity in the home and by then 5 years would have passed and I could apply to remove the PMI payment. 

I contacted Wells Fargo this month XX/XX/XXXX to remove the PMI and they told me no they wont do it. they say that the agreement with the original lender is that I have to have paid 20 % of the original loan to remove the PMI. 

This was not what was explained to me when I signed with my broker and also not what was explained by the mortgage advisor at Wells Fargo the year previously. 

I would like help to have this PMI payment removed I have enough equity and I dont believe I was informed correctly when I took out the mortgage. 

Thank you, XXXX XXXX.
Product: Debt collection

Transworld systems inc. showed a collection on my report from XXXX XXXX XXXX of {$310.00} XXXX XXXX. I had to call them XXXX XXXX to find out why because they have not tried to contact me at a correct address or by telephone. They are also putting a debt on my report that has already sat on my credit report for 7years and fallen off. The company is out of time-barred and statutes of limitations guidelines. As well as never spoken to me or sent a letter to a correct address to notify to legal report said debt, that is over 10years old and had already lived its 7year lifespan on my credit report.
Product: Checking or savings account

On XX/XX/XXXX I submitted a request to Chase to closing my Total Checking account. My account was in good standing, with a positive balance. 

On XX/XX/XXXX, Chase responded and refused to close my account, and required onerous restrictions to close it -- while keeping it in a state that would accrue fees ; they even suggested that it would not be possible to close my account except by physically visiting a branch in the middle of a pandemic, while we're legally required to shelter in place. 

On XX/XX/XXXX, I responded again with a signed request and affirmation to close my account. They ignored my request and repeated the same form letter.
Product: Money transfer, virtual currency, or money service

Hi, I have a coinbase account that I've been actively checking on my mobile device for over a year and it has 2 factor authentication setup. I was automatically logged out of my device on XX/XX/2021 that displayed the login screen. 

I reset the password only to receive an auto generated email that says my device is not recognized as authorized. I wasn't sure what that meant or what I need to do next but responded to that email and have been submitting requests since then to no avail. I got a general response to most every email except one that asked me to confirm a series of questions that I answered saying yes I'm using the same phone, same number, same email, have forgotten the password and need to reset and that I was really concerned why it logged me out and why I can't reset. Mobile app allows the use a pin code for quick access and so I was using that and never could have thought it would not let me reset the password. 

After 30+ attempts of password reset from multiple browsers and devices and password combination, submitted multiple tickets as I wasn't hearing anything but the auto generated email saying 4-5 days before someone will reach me to conduct a security review and if I've a webcam and what not, tried reaching them on XXXX coinbase support and coinbase and have not gotten any response to resolve. I'd have never thought I couldn't reset my own password especially when I setup the 2FA. 

I'm really unsure as to what else I need to do so I'm coming to this as a past resort to get your help. 

Please let me know how I can get them to help me reauthorize my device to reset my password. 

Warmest Regards, XXXX
Product: Debt collection

I have reviewed my credit report, I've noticed Discover bank submitted a charge off on my credit report. It has decrease my credit rating. I have called the customer service to dispute such issue. The customer service informed me they no longer have access to my file, they have sold it to another agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Mortgage

You have already settled a case vs RPM mortgage. I got my mortgage through RPM in XXXX of 2012 but I never received a payout. I 'm thinking many people might have been left out of the settlement. I called the hotline and no one had a good answer as to why I would have been left out. My loan number was XXXX and it was issued through XXXX XXXX, a XXXX XXXX which I 'm sure is a common company RPM uses ... .it 's probably owned by RPM. I think you should dig a little deeper into RPM as I had big issues when they set the loan rate. When the ten year yield was falling and I called to finalize my loan rate they never answered the phone. They only answered when the 10 year stabilized and it was at a much higher level. I was livid ... I am not shocked that they got sued ... <P/>Thank you and have a nice day. <P/>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

CAPITAL ONE BANK USA XXXX Balance : {$0.00}
Product: Checking or savings account

Suspect - Wells Fargo is the bank holding the funds in my name and being access fraudulently. 

To fix what these identity thieves have been doing, They followed XXXX XXXX to the Wells Fargo branch this XXXX XXXX and withdrew a bag of money. In efforts to persuade the cameras that XXXX and the person knew one another but who they are in cahoots with is XXXX XXXX and XXXX XXXX and there could be other people as well drawing from this account. Or to make it appear that XXXX XXXX is stealing the money with this woman. 

XXXX XXXX was there on business to cash a check she was sent from her employer. 

I don't have the account number and do not know the womans name.
Product: Credit card

Attaching receipts of the travel booking made for airfare and cruise where the company XXXX provided us with an unsanitary room and non functioning shower/bathroom, pictures attached. They offered a partial refund for {$1500.00} and never gave it. Reached out to Amex for full refund for {$3000.00}. Claim was not fully investigated and closed without fair review. The entire ship was fully booked and they were unable to accommodate us into another room until the end of the trip.
Product: Credit card or prepaid card

My care credit account with XXXX XXXX refuses to allocate payments by default to the balances accruing interest now and rather keeps allocating by default payments to promotional balances at 0 % interest. Every time I make a payment, I have to spend 10-20 minutes on the phone re-allocating that payments the way I want. 
XXXX 20 mins on the phone with an agent reallocating payments ( XXXX to XXXX XXXX XXXX ) XXXX 10 mins on the phone with an agent reallocating payments ( XXXX XXXX to XXXX XXXX MST ) And it has gone like this at least once if not twice a month for the last year.
Product: Payday loan, title loan, or personal loan

I originally got a XXXX line of credit thru cash net usa I borrowed XXXX from that line of credit I have paid back XXXX as of today XX/XX/2019. They still show I owe them XXXX. When I called them to ask where all the other money I have paid is at cause it's not reflected in my balance they told me XXXX of my payment of XXXX was interest. No place when I took out my line of credit on my phone told me the interest rate. I subsequently revoked my authorization for ach payments from my checking account. I feel this is a insane price to help someone who needed it. I will never use them again or suggest them to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Experian about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? Please update and correct my account right away. 

XXXX XXXX
Product: Credit card

When I open my account. They put me on a program payment security program with my authorization. I never asked them to put me on that program. And they put me on that program from XXXX to XXXX. The Program calling is payment security program. They charge me the amount XXXX I have a credit card amazon credit card from c SYNCHRONY bank
Product: Credit reporting

I requested a report from all three agencies over 3 months ago through " AnnualCreditReport.com '' I have not received anything as of yet. I need a copy of these forms expeditiously. Can you please help me? Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry that I did not do. I called company more than 3 times and sent two letters and still no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been negligent regarding errors on my credit report. All of the information, except my name is wrong. I've contacted them numerous times to fix this issue. I even sent them, via Certified Mail, proof of my identity, but I'm not seeing any progress. 

My husband and I are trying to get pre-approved for a mortgage and Experian is holding everything up. I have no idea who is supposed to be fixing my credit report because this is negatively affecting my whole life. 

There are many errors in my report. One of them is for a car that I do NOT own, some credit cards, a personal loan, and more. I know that I wasn't supposed to record our calls, but I did because they treat me like I'm crazy. I will take this complaint as far as I can because I shouldn't have to deal with their incompetence.
Product: Debt collection

XX/XX/year> i contacted southwest credit systems in attempt to collect more information on a debt that was showed up on my XXXX XXXX. When i was connected with a rep. Thry said in order for me to obtain information about thr debt i owe i have to pay 1 . This didnt seem right so i questioned the lady on the phone and she claimed its the cost for there soft ware to access the information. But i know according to cfpb the information should be free to my disposal. I would like this account resolved asap.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX and XX/XX/XXXX, 60 days late in XXXX and XX/XX/XXXX and 90 days late in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit card or prepaid card

On XX/XX/XXXX I took advantage of a 0 % interest balance transfer offer and transferred {$8000.00} onto my credit card. At the time, my credit card balance ( on " purchases '' ) was {$300.00}. In XX/XX/XXXX and XX/XX/XXXX, my monthly payments were large enough to payoff all purchases made in those months and little if any interest was charged to me. Typically, I use this and other credit cards judiciously by paying off purchase balances each month to minimize interest charges. 
In XXXX, we made multiple pre-purchases for an upcoming trip to XXXX using this card because one of it's benefits is no foreign transaction fees. ( The card has a $ XXXX/year fee. ) To minimize interest on these purchases, I made multiple online payments within days of the purchase transactions to Chase. 
Herein lies the problem. Payments are supposed to be applied to monthly minimum due first, next against the balances with the highest interest rates, and then to balances with lower rates. On my XX/XX/XXXX statement, this did not happen. The large payments I made were first applied to a small minimum due and then applied to my balance transfer balance ( 0 % interest rate ) and not against the purchase balance ( 23.74 % interest rate ). I was billed interest on over {$4000.00} I purchases even though I made payments to cover the purchases. it appears the same thing will happen until the balance transfer amount is paid off. 
This is blatantly unfair and I question the legality of what appears to be a bait and switch practice. Essentially, because I took advantage of the balance transfer offer, I can not apply payments against the higher interest purchases balance without first paying off the balance transfer amount, far ahead of the end date stipulated in the offer.
Product: Debt collection

I have a personal loan debt. I have multiple instances with this company. 
The leftover loan amount was about five thousand. 
1 ) They are seeking unjustified amounts and keep adding fines, interest, and penalties that are now up to XXXX XXXX dollars on a closed and charged off account. 
2 ) They also threaten a lawsuit using a law office as a collections company. Furthermore, they have filed multiple suits without following thru. I have shown up to each court case and they have yet to have representation from their side show up. Now in my background report, I show multiple suits pending. 
3 ) They communicate with third parties other than my self. One of my past co-workers has been contacted by them on two different occasions. 
4 ) The company reports false information on all three consumer credit reporting agencies. The false information is the exuberant amounts that just keep climbing, They have added hart hits by supplying my information to other collections agencies and loan companies. They have also added wrong addresses and different variations of my legal name to my consumer credit reports that I am unable to get removed as they were reported by them,