23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

RoundPoint Mortgage Servicing Corporation ( XXXX ID # XXXX ) deducted {$350.00} from the escrow account ( loan number XXXX ). They marked as delinquent tax payments to New York XXXX on the statements and on the online portal. I called RoundPoint customer service on XX/XX/XXXX since I did not see New York XXXX delinquent payment received on the XXXX site. The agent who answered the phone asked me to check with New York XXXX and call back after a couple of weeks. I ended up calling New York XXXX to verify on the same day and they verified I don't have any delinquent tax payment ( not requested/not received ) on my account but they informed me they always receive the property tax payment late and they ended up charging interest to me. 

I called RoundPoint customer service again on XX/XX/XXXX, the agent said they sent the payment through XXXX and their tax department is researching this so call back again after a couple of weeks. 

I called again on XX/XX/XXXX to check again and the same answer received to call back. I'm filing the complaint since I did not get a positive answer even though I follow up continuously with the mortgage company. Appreciate all your help.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to ALLY FINANCIAL about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint are XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I inquired about the forbearance plan offered at US Bank for home mortgage clients. I am a small business owner and was concerned about the pandemic affecting my income. I was reassured multiple times that their forbearance agreement would NOT affect my XXXX XXXX. I was told multiple times by US Bank representatives to " ignore '' the frequent letters mailed threatening foreclosure. They said they were automatic and not to worry. I worried. I expressed to the US Bank representatives that I started paying my mortgage prior to the 6 months. I started paying in XXXX of 2020 and have continuously made full payment. After attempting to refinance my home, it was revealed that I was still in forbearance and not made payments in months. Every statement I received in the mail showed a growing past due balance. I made multiple attempts to contact the XXXX XXXX and other US Bank representatives. They told me not to worry and that my payments were not being applied, because of the forbearance plan but they would be applied as soon as it was complete in XXXX. It was not completed, and I was told I had to show consistent payments for 3 months. I had been showing payments since XXXX of 2020. I called again and again ... the US Bank representatives told me not to worry, it would all be over in XXXX. They started applying my payments and showed my account to be current ... but ... .there is a " major derogatory '' care of US Bank on my credit, and my XXXX XXXX dropped as a result. I have reached out to the credit agencies, US Bank, the CFPB and yet ... and yet YOU ALL ARE FAILING AT FIXING THE PROBLEM. This has created so much stress and anxiety in my life. Not one of these agencies will acknowledge the problem and FIX IT!!!! You are supposed to protect consumers, and you are failing. The response I have gotten from these agencies and the Bank is absurd. I don't know what else to do except hire and attorney to make this right. I have been more than patient. FIX THE PROBLEM. I will now be contacting the news organizations and let them know that ALL OF YOU are failing at protecting consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX  XXXX  in XX/XX/XXXX because I wanted to increase my score in order to be eligible to purchase a home. I paid every month on time, but my balance never decreased. After noticing my balance never decreasing, I called and requested to have the accounts closed on XX/XX/XXXX. I received a credit report refresh on XX/XX/XXXX, and noticed the accounts were still reporting and also reporting 30 days late! 

I called the company after noticing this incorrect reporting and was told the account was never closed. The agent I spoke with did go ahead and close the account and send me confirmation that the account was now closed, however, she stated she couldn't do anything about the reporting. Although, she stated it was their fault for not closing the account when I requested, but refused to rectify the issue.
Product: Checking or savings account

I am writing to formally file a complain regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had done an investigation on my credit report which caused me severe XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXX XXXX Account Type : Charge Off ( closed account ) Amount due : {$550.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.
Product: Debt collection

I was a Victim of identity theft, I notified the company lvnv associates, and resurgent about the ordeal I requested a cease and desist, I made a report with the frc Identity theft sent notice to the company, they repeatedly sent the same information to my address none which included what I asked for which was an original document with my signature on it. a copy of the document or anything something with my signature proving the that debt belongs to me, they have yet to furnish this paperwork, and they have repeatedly violated my cease and desist order by bombarding my email and home address with statements and payment plan offers. this has been on my report causing lots of damage to my home life and business life. It has made it almost impossible to secure a homer loan. causing marital problems ultimately causing the end of my marriage, my company struggles to stay afloat, with no one willing to give me a business line of credit due to my personal credit, I have even started the arbitration process
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a XXXX accounts on my report I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The following Accounts : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1300.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX  XXXX {$38000.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NOT RECOGNIZED XXXX XXXX, XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

After expressly requesting that my loan be paid off I learned today that my loan was NOT paid off and so now have had to request a payoff be processed for the second time. This company is unquestionably delaying the payoff process in order to generate additional interest income as there is no other explanation. The person I spoke with on the telephone today stated there is NO record of me requesting a payoff even though I have emails stating otherwise.
Product: Credit reporting or other personal consumer reports

I'm writing to formally dispute the Inaccurate and unverifiable information appearing on my credit report as per rights under the FCRA. XXXX XXXX XXXX  # XXXX past due {$2800.00} XXXX XXXX  # XXXX past due {$3700.00} XXXX XXXX  # XXXX past due {$4700.00} XXXX XXXX XXXX # XXXX past due {$2200.00} XXXX XXXX XXXX # XXXX past due {$14000.00} XXXX  # XXXX past due {$10000.00} XXXX XXXX  # XXXX past due {$4200.00} XXXX XXXX  # XXXX past due {$4200.00} XXXX XXXX  # XXXX past due {$7500.00} XXXX XXXX  # XXXX past due {$7100.00}. Per 15 U.S. Code 1681s-2 data furnishers must only report accurate and verifiable information. These accounts were not properly validated. And I request immediate verification of all details under the FCRA section 611 ( 15 U.S Code 1681i ) If it can not be verified in compliance with federal regulations, it must be removed immediately. And under the FCRA guidelines, if a creditor reports an account as a charge-off, the balance should be reported as {$0.00}. If it was sold to a third party or no longer owed directly to the creditor. I demand a correction or immediate deletion if the accounts can not be validated accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

A payment was made to XXXX XXXX on XX/XX/18 that they forwarded to Loancare on XX/XX/18 with the sale of our loan to loancare. This was not credited to my account until XX/XX/18. I paid Loancare on XX/XX/18 by phone. This payment was credited to my account, but for the previous month ; because, until XX/XX/18, they had not credited the previous payment from the previous bank ( XXXX Bank ) to my account. 

On XX/XX/XXXX, I sent an automatic payment from my bank in form of check to Loancare. They cashed it on XX/XX/18 and did NOT credit it to my account. 

My account shows 30 days past due and is reporting negatively to my credit record. 

My husband and I have been calling Loncare for nearly 3 weeks and they still will not credit our account or correct the negative reporting, despite proof of all payments being sent to them. 

They sent notice on XX/XX/18 threatening foreclosure on our home. 

I have sent every document that they have requested.
Product: Credit card or prepaid card

In late XX/XX/2018 I was notified by Capital One of unlikely charges on my VISA card XXXX. I checked online. Replied immediately that eight were NOT mine, but were for activity on the east coast while I live in Oregon. 
XX/XX/2018 Cap 1 sent a letter saying " you won't be liable for any unauthorized charges. '' A XX/XX/2018 Cap 1 letter said " We're happy to tell you that your fraud investigation with Capital One is now resolved .... As part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges. '' BUT XX/XX/XXXX Cap 1 wrote that XXXX XXXX did an investigation that found no fraud for two flights on XXXX XXXX, going DC-XXXX-XXXX, for {$50.00} and {$620.00}, so I should pay. 
I sent a letter of protest to both persons in the Cap 1 fraud squad, pointing out that 1 ) I had the card always in my possession, even used it in XXXX XXXX OR the same day as one fraudulent charge was rung up on the east coast. 
2 ) Never told anybody else the card number. 
3 ) The only other person with the same name as mine I know is my son in XXXX. 
They did not take the trouble to answer me, only let the billing go ahead. 
I wrote in protest to the Cap 1 CEO. An aide sent me the same listing of charges deemed fraud and the two flights deemed not fraud, i.e., that I was to be responsible for east coast flights charged to that card despite the fact that I was always in XXXX XXXX OR. Cap 1 said " our research confirmed that the actions taken on your fraud investigation were correct. '' Whatever their " investigation '', it did not include even contacting me! 
Consequently, I do not want to pay for a spree done by someone unknown to me and 3,000 miles from where I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX/XXXX/XXXX accounts. ( Please see attached credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Mortgage

We have an Adjustable Rate Mortgage that is being serviced by Ocwen Loan Servicing LLC . XXXX 2015 was a scheduled Change Date for our loan interest rate. It was also the first month when we have started repaying our Principal amount. The original principal payout schedule was included as a part of our signed Mortgage agreement and detailed in the attached Amortization Schedule. The Principal payout was supposed to start from {$1000.00} and gradually increase every month thereafter. However, the statement that we have received from Ocwen requested different monthly Principal payments starting {$1500.00}, about {$500.00} more compare to what was originally signed. Since XX/XX/XXXX any attempts to resolve this issue with Ocwen were unsuccessful, despite escalating it to account supervisors and management team. All request to correct Principal payout schedule resulted in Ocwen responding with an explanation of how Interest is being calculated on ARM mortgage. As a part of Adjustable Rate Mortgage, we have accepted the risk that monthly interest rate may change, but we have never agreed that principal payout amounts can be changed arbitrarily. To avoid any late fees or credit report issues we have paid amounts requested by Ocwen and stayed current with our loan, however we have not budgeted for such significant Principal increase in monthly payments, and asking for your help to resolve this issue and return to Principal payout schedule included in originally signed Mortgage agreement. We appreciate your help in this matter. 
Thank you!
Product: Credit card or prepaid card

XXXX has past due payment for the month of XXXX and XX/XX/2017. I do not have any late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

My payments to carrinton mortgage was on time XX/XX/XXXX and XX/XX/XXXX. XXXX I sent the regular payment on time XX/XX/XXXX for XX/XX/XXXX. The escrow changed in XXXX and they called me. I made the difference over the phone.
Product: Debt collection

This Company named Patients Accounts Bureau and the caller 's name is XXXX XXXX calls my number every hour starting at XXXX. I have repeatedly stated that I am currently unemployed and have not worked for 3 years. 

At first the calls were once or twice a week, now this company is calling every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested for Lexis Nexis to verify a eviction with the ORIGINAL CREDITOR ( XXXX XXXX ) due to inaccurate information being reported. They have failed to send me any documentation that I requested via mail on the letter. At this point I would like this eviction to be removed from their records immediately due to no response. If it is not removed and they can not or have not provided the necessary documents from the ORIGINAL CREDITOR to verify/validate the eviction per FCRA guidelines this need to be removed from their records immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit to any of the following inquiries. I want them blocked and removed. 
1. XXXX XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I WAS TOLD THIS WAS REMOVED, YET AS OF TODAY, XXXX XXXX, XXXX, THIS MARK STILL SHOWS AN INACCURATE LATE MARK. 
Several formal letters have been sent to all THREE CREDIT BUREAUS from the President of XXXX XXXX XXXX XXXX an INACCURATE past due payment that NEVER WAS PAST DUE. Yet, the credit bureaus and XXXX XXXX show the amount is STILL LATE. XXXX XXXX XXXX has gone above and beyond, providing each letter and copy of the AUD submitted from FCU to credit bureaus.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$4500.00}, XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXX Account # XXXX date XXXX XX/XX/XXXX Bal. {$730.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$490.00}, affirm Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance  with the fair credit reporting act this creditor has violated my rights Under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.