23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is now my 3rd complaint filed against LoanCare. 
As I have not received a response to my formal complaint thru the State of Michigan Dept. of Financial & Insurance Services for attempting to game the CARES ACT Forbearance provisions, and time is of the essence, I am forced to file this complaint. That & this complaint have to do with LoanCare arbitrarily changing the beginning & end dates of my now two periods of forbearance. As they have to failed to respond to that complaint in a timely manner & I expect them to continue their previous behavior I have been advised to formally state at this time my continued right to an additional term of forbearance on my two mortgage loans ( XXXX XXXX & XXXX XXXX ) due to a XXXX related hardship. The current term Im in correctly ends on XXXX & the new additional term will commence on XXXX XXXX. Essentially this same message has been conveyed to your President, Mr. XXXX XXXX. However, I have no idea if he will act in a timely manner to protect my rights. Therefore I have no other recourse other than to lodge this complaint against them & formally state my right to an additional term of forbearance.
Product: Vehicle loan or lease

I was leasing a XXXX but decided to purchase it with a loan from Chase Auto back in XX/XX/XXXX. Registration for my car was due in XX/XX/XXXX yet I never received a renewal notice. Upon contacting the CA DMV they stated that Chase Auto incorrectly submitted title paperwork back in XX/XX/XXXX and that it was rejected the same day. No attempt was made to remedy the error on their behalf. I was unaware of the situation till XX/XX/XXXX and I have been calling Chase Auto weekly in order to try and get the problem resolved since I can not legally drive my car. Unfortunately there is no direct number for the department in charge of titling and DMV paperwork and each time I call I just keep hearing Oh theres no update on your account but a manager is working on it and it has been expedited. As of now the DMV states that no one from Chase has submitted anything at all which leaves me in the exact same situation since I can not register my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original account opened for a XXXX XXXX XXXX  XXXX XXXX account number XXXX opened in XXXX, not XX/XX/XXXX, debt collector XXXX XXXX violated FRCA, listed an old debt as new, " re-aging '' a debt is violation under FRCA. XXXX XXXX opened the account in XXXX not consumer. Dispute about account filed with Experian, all I get back is a computer generated print out not addressing what I was actually disputing. They are obligated by law to report accurate information.
Product: Mortgage

I refinanced mortgage and according to Ditech Financial, the loan was paid on XXXX/XXXX/2016. At that time, my escrow balance was {$4600.00}. However, Ditech Financial deducted another MIP premium payment for {$300.00} on XXXX XXXX, 2016, after the loan was paid off. 

According to my title company attorney, Ditech should not have taken any more full MIP payments after the loan was paid off. 

Can you please help? 

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

I requested debt validation concerning an illegitimate account by the name of XXXX XXXX University reporting to my Trans Union credit report. I originally sent a certified letter to XXXX XXXX University, and then to Trans Union requesting that this debt be validated, and if not, that it be immediately removed as this was never a debt of mine. 

I received notification that the debt validation request was received, however, the debt has not been verified. It has been over 30 days.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX Conventions. 




Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act XXXX, s21c and Unsolicited Goods and Services Act XXXX, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX v. XXXX XXXX XXXX, 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see XXXX v. XXXX, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier in the year I divorced from my ex-wife. As part of the divorce she wanted to keep the XXXX and it is financed through XXXX XXXX XXXX in my name. In an attempt to provide the company with her banking information, they deleted the auto pay information which I had setup at the beginning of the loan and never missed a payment. Over a month later as I was reviewing my account for an unrelated issue, I realize I now owe what is about to be XXXX payments. I called and asked what was going on and they blamed me saying I was the one that canceled the auto pay. Why would anyone cancel their own auto pay and then just not pay it for a month and a half causing them to miss their first payment on any account in almost XXXX decades and in the process ruin their credit? They refused to fix it so i made both payments that day and brought the account current. They turned me over to the bureaus as delinquent anyway. I filed a dispute and it came back a few days later indicating no change would be made.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one 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 60 - 90 DAYS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/year>XXXX XXXX XXXX XXXX XXXX time I received an email from a XXXX other party collection agency collecting on a same debt XXXX other companies are reporting and collecting affecting my credit reporting. 

Other companies include Misleading collecting on a multi collecting debt with XXXX original company and XXXX collection agencies. 
XXXXXXXX XXXX credit card XXXX XXXX XXXX XXXX collection agency And XXXX XXXX XXXX XXXX XXXX All XXXX companies are collecting the same debt and multi reporting on my credit report. This is in violation. 
I request these debts to be deleted from credit reporting as soon as possible. 
I am a victim of my personal information being in a data breach exposing my personal information and identity to the dark web.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TRANSUNION a cease and desist ( LETTER ATTACHED ) for inaccurate late payment of my XXXX  XXXX account they were reporting. 
They deleted the item and sent me the results ( they removed it on XX/XX/2021 ( RESULTS ATTACHED ) Today XX/XX/2021 Transunion reported the same negative late payment again. 
They late payment is reported XX/XX/2021. Transunion is in default ( violation ) with my cease and desist LETTER I sent them. 

1. The following information is inaccurate. I would like it removed from my credit history report XXXX  XXXX Account Number : XXXX Please remove this Late Payment from my credit report. 

Pursuant 15 U.S. Code 1681b - Permissible purpose of consumer reports.

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX XXXX never gave Transunion any written consent to report anything negative on my consumer report, No consent is Identity Theft. 
I demand an adjustment to remove the late payment ( s ) permanently ( meaning I don't want the same late payment to be reported in my consumer report.
Product: Debt collection

On XX/XX/XXXX my wife received a call from the following phone number : XXXX. The woman on the phone identified herself as XXXX XXXX with Dynamic Recovery Solutions. She asked to speak to me, but called my wifes cell phone number. My wife asked what the call was in reference to and XXXX XXXX became frustrated, stated she would call back at another time, and proceeded to hang up. My wife called the number back and XXXX XXXX answered. She informed XXXX XXXX that she was my wife and wanted information regarding the previous phone call. XXXX XXXX stated that my wife needed to verify my current address or last 4-digits of my social security number, in order for her to provide any information. My wife did provide our current mailing address. XXXX XXXX stated the call was in reference to a {$10000.00} balance for an unpaid debt that I had supposedly incurred many years ago and had been settled, therefore a lawsuit would not be pursued. She then asked if my wife was ready to make a payment towards the balance or set up a reoccurring payment. My wife informed XXXX XXXX that she would need to send written verification regarding this matter. XXXX XXXX proceeded to inform my wife that her credit could also be in jeopardy, since we are married. My wife concluded the conversation by again telling XXXX XXXX that she would need to provide us with written verification. Upon checking my credit report, I see absolutely no reports for debt collection. Therefore, we believe this must be a scam or con-artist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is good standing account. Please verify that all information is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. XXXX XXXX XXXX Opened : XX/XX/2006 Balance : {$350000.00}.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts. Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681
i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Credit reporting, credit repair services, 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 USC 1681. 

1 ) XXXX XXXX XXXX : # XXXX 2 ) XXXX XXXX  : # XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I am sending this message to complain CitiBank AAdvantage card for unreasonable late fee charged on my account and the monthly interest that was charged later on every month. 
With this card, there was no annual fee for the first year and after that there would be a {$99.00} dollars fee annually. In XXXX, I scheduled the payment of {$99.00} dollars online and selected the " due '' date for the payment, which was on XX/XX/XXXX. On XX/XX/XXXX, my account was charged for a late fee {$29.00} dollars, another late fee {$1.00}, and an interest {$1.00}, which I did not agree with. In XXXX, my account was charged with a late fee {$40.00} and interest {$1.00} on top of previous charges and the situation continued until XXXX XXXX when I called the Customer Services to dispute those fees and interest. I was told that the {$99.00} annual fee payment was received on XX/XX/XXXX instead of XXXX  that I selected for the payment on due day, so there was an one day late fee of {$29.00}. I argued that I selected the due date online but actual transaction might occurred later, which I had nothing to do with it. So the customer service representative agreed to remove the fees and interest to keep me as their customer. Now I noticed that initial late fee {$29.00} and {$1.00} and the interest {$1.00} were refunded, but the subsequent monthly fees and interest were still there for me to pay. I believe that those subsequent fees and interests were based on the initial late fees and interest and if they had been refunded, so would be those fees and interests charged in the later months. It is unethical and unreasonable for a bank such as CitiBank to do such a thing like this to rob its customer.
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 Opportunity to cure Default Final Notice NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information On XX/XX/XXXX I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. 
XXXX XXXX XXXX you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household. 
I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

PURSUANT 15 USC 6802 ( B ) I XXXX, XXXX a living breathing man hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported. 
DELETE THE BELOW ACCOUNT FROM ALL CONSUMER REPORTING AGEGNCIES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I have been a paypal user for nearly a year and was using a third party website to sell my products. Paypal told me I was wasting my time by not providing a high mark up on my items. Soon after they limited my account for selling goods purchased from the retail store. Quoted by the agent " Your Wasting Your Time ''. They now have over {$2700.00} and they have locked my account to release funds. I am filing a formal complaint to have my funds released. I no longer want to support this financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Since XXXX, I have had this complaint with the XXXX XXXX XXXX XXXX XXXX ( XXXX  ) in XXXX, Virginia. XXXX reported to the credit bureaus two months of late payments for my mortgage during XXXX and XXXX. I had closed on a mortgage loan with XXXX XXXX in XX/XX/XXXX. 

I called and spoke with a XXXX  mortgage representative who advised me to contact XXXX XXXX. XXXX XXXX told me that my loan had been satisfactory closed and emailed me a copy of my credit report on XXXX ( pg 2 ). I also had my closing disclosure for verification. I proceeded to email XXXX on XXXX ( pg 2 ) and never received a response. 

In XX/XX/XXXX, I received from XXXX just the certificate of satisfaction from XXXX in an envelope with no correspondence included ( pg 1 ). After receiving the certificate of satisfaction, I called XXXX mortgage services office to please clarify and explain to me why my account still reflected a mortgage balance. I was told again that I needed to contact XXXX XXXX. I was totally frustrated and stressed. I later sent another email to XXXX XXXX on XXXX ( pg 3 & pg 4 ). 

I want to refinance but unable to refinance due to my low credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure if this was caused by me losing my wallet, or being a victim of the dark web and/ or the XXXX  data breach, however my identity has been compromised and the following accounts are unauthorized and unknown to me. Therefore, I'm demanding that these accounts be removed and blocked immediately from my credit files. 

1 ) XXXX XXXX  {$210.00} 2 ) XXXX XXXX  {$570.00} 3 ) XXXX XXXX XXXX {$5100.00} 4 ) XXXX XXXX  XXXX {$380.00} 5 ) XXXX XXXX XXXX {$50.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 ) XXXX XXXX XXXX  8 ) XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX  XXXX 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX  12 ) XXXX/ XXXX XXXX
Product: Credit card

I was on a XXXX flight when the flight attendants offered an incentive program to sign up for a XXXX Master Card to receive XXXX FREE ROUNDTRIP TICKETS by redeeming XXXX FREE points upon acceptance. 

When I tried to redeem my " FREE '' tickets, I found that it was more expensive to get them with free points than buying directly at retail price ( difference was {$35.00} more after added {$100.00} redemption fee and other extras that cost more than when buying a full price ticket ). 

When I called to complain they told me free tx had to be redeemed 6 months in advance and I should call Bank of America because they were not responsible Bank of America directed me to XXXX and said they were not responsible