23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Money is being taken by Huntington and applied to interest on my loan when it should be applied toward the principle balance. I have made many, many.. many attempts to have this corrected, yet it is not. After going through this process for several months it was " corrected '' though XX/XX/XXXX. I called around XX/XX/XXXX asking for the payment I had made on XX/XX/XXXX to be corrected as it was not applied correctly. I was told it would be. On XX/XX/XXXX I called again because even though there were some changes made, the funds were again re-applied incorrectly. I was told, again, that it would be fixed. I called yet again on XX/XX/XXXX and have not received any type of response from the company, and the funds are still incorrectly applied- which is a fancy way of just saying they are blatantly keeping my money. Everything is a mess here- they are keeping money that should be paid toward principle, that is obviously affecting the interest calculation which costs me even more money, the numbers do not even match with their own amortization schedule, and the amortization schedule itself does n't even look right, though I 'd need to calculate everything manually to be sure. At this point it 's nearly impossible to say the exact amount I rightfully owe, or how much they owe me, and that 's ridiculous.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX / XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX / 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 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 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

Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated [ XX/XX/XXXX ], in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my mortgage account [ XXXX  XXXX XXXX ACCOUNT NUMBER XXXX ]. To date, I have not received confirmation of the correction nor observed any changes in my credit report. And also the lack of response to a letter that was sent to creditor the account, which was not answered. 


In my credit report I can see that in : [ XXXX / XXXX ] [ XXXX/ XXXX ] it reflects that I had late payments of ( 60 ) days which is not true, in the same way I refer to the month of [ XXXX ] in no way I had a late payment of ( 120 ) days. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.

I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment [ XXXX / XXXX ] [ XXXX/ XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX/ XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ]
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I am writing to bring to your attention an issue with my credit report. Upon reviewing it, I have noticed that there is an inaccurate address being reported by your agency. As a responsible consumer, I want to ensure that all the information on my credit report is accurate and up-to-date. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to maintain accurate and fair information about individuals. Therefore, I kindly request for the incorrect address to be promptly removed from my credit report. 

I appreciate your prompt attention to this matter and look forward to your quick resolution of this issue. Thank you for your understanding and cooperation.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX & XXXX a person named XXXX XXXX himself {$450.00} each day ( total of {$900.00} ) from my account. I seen this person on my account and deleted him. Then he put himself back in my account. 

On XXXX a person named XXXX Added her name and tried to take {$450.00} but the bank stopped it. 

The first review was done and they denied my claim. I called and talk to a supervisor to reopen the claim so on XX/XX/XXXX they started a new claim. Ive not heard anything on this claim. 


Ive open XXXX different accounts after the first XXXX and XXXX after the other
Product: Student loan

Due to Covid-19 I have lost my income ( hopefully temporarily ). I live in Illinois and my shop was forced to close due to the statewide shutdown on XX/XX/XXXX. I immediately applied for AES 's " disaster forbearance '', and was given confirmation of receipt of my message on XX/XX/XXXX. Since then, I have received only " past due '' notices. I have applied again and again through their system, each time only receiving confirmation of receipt, and then more past due notices and instructions on how to apply for the forbearance, for which I've applied multiple times. When I try to follow up on that I get nothing. They also note that they are reporting my delinquency to credit agencies every month.
Product: Mortgage

I had a mortgage with XXXX, they purchased my mortgage from another lender. My taxes were never included in my mortgage. XX/XX/XXXX I fell behind a couple of payments, My mortgage payments were XXXX per month. In XX/XX/XXXX and XX/XX/XXXX I sent double payments to catch up. Citimortgage at this time paid some property taxes on my mortgage. Then they took the payments that I sent them for mortgage payments and applied them to taxes they had paid. They said my mortgage payments were now XXXX because they had paid the taxes and I was four months behind on my mortgage because the XXXX payments were not enough to cover the mortgage. I told them that if they were going to escrow taxes that it had to be a change in contractual items not just because they wanted to. Also that it was fraudulent to take payments sent for mortgage payments and apply the to some thing that was not included in the contractual mortgage. I never stooped making payments. I started sending XXXX to cover the XXXX they were paying on my property taxes. I did this because I did not want to get behind on paying my mortgage and the taxes they were paying. I filed a claim with the attorney generals office of New York state. XXXX then sold my mortgage to BSI Financial Service XX/XX/XXXX who I shared this information with who the started saying that I was four months b ehind on my mortgage also. Now BSI is Stating that I need to pay XXXX a month projected increase in property taxes, even though the value assessed by the city and county has decreased.
Product: Credit card or prepaid card

I called my lender when I was 60 days behind earlier this month. cap one and I made a payment plan arrangement as I am a XXXX new mother and called to make a payment arrangement. They agreed to a 3 month agreement at XXXX a month by the XXXX of each month. They subsequently closed my card and said I violated the customer agreement by missing a payment, resulting in a hard inquiry and defaulted to payments I can not make. I discovered this when I opened a letter sent by them on the XXXX and received by me a day before my payment. My credit score has been compromised and my public assistance and doctor 's sign off that I'm permanently and totally XXXX were documents I offered and they said they didn't need them and they wouldn't help negotiate a better agreement. I told them I'd still work with them and they have seriously damaged my credit and didn't indicate what I supposedly did to violate the customer agreement resulting in damage to my credit score and a payment plan cancelation and I'm told I'm going to be taken to court now. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I filed a dispute with Transunion concerning my XXXX account that is on my credit report. XXXX was involved in a class action lawsuit, along with several other lenders. As part of the class action lawsuit, XXXX was supposed to remove their information from consumers credit reports. Transunion said they verified the information as accurate, which is impossible, because how can Transunion verify this information as accurate, when a court order says it has to be removed. Either way two parties are at-fault here. XXXX is at-fault for not removing the information, and Transunion is at-fault for verifying something as accurate when it isn't.
Product: Checking or savings account

My card was stolen I called and tried to dispute the transactions and get a new card they denied all the transactions and I never received a new card, I received my income to this account also
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX to go and do inquiries on my credit report
Product: Debt collection

Reference # XXXX National Recovery Debt for XXXX XXXX XXXX in the amount of {$68.00} This is not my debt and I don't even know what this debt is for. I would like to know where this debt came from, how it was acquired/who signed for it, etc.
Product: Checking or savings account

Hello, thank you for reading my claim. 

These charges were made when someone stole my wallet : XXXXXXXX XXXX XXXX XXXXXXXX XXXX co {$65.00} XXXX XXXX XXXX  XXXX XXXX  {$130.00} XXXX XXXX {$5.00} XXXX XXXX {$11.00} XXXX XXXX XXXX {$8.00} XXXX XXXX XXXX XXXX {$2.00} XXXX XXXX XXXX  {$160.00} XXXX XXXX be {$18.00} XXXX dont live in XXXX XXXX  and I was with my wife in XXXX when this happened. I let the bank know all this and got a new card and they denied the fraud claim and charged me even though my wallet was stolen. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( or whom it is that is responsible for your entity 's enactment and enforcement of COMPLIANT reporting standards and requisite mandates ), I have been dealing with a series of credit reporting errors for several months and have reached wits end on how to proceed. I found several credit inquiries on my credit report that I have NO knowledge of. I followed the exact letter of the law and contacted the Credit Bureaus ( XXXX XXXX ) and disputed the validity of these Inquiries. I ALSO contacted the creditors directly. Several representatives informed me that the names listed did not match my name spelling ; others could not provide me with any information about the alleged application because their firms DID NOT retain the facts on this inquiry. I attempted to contact the three credit reporting agencies to speak with someone about this problem, and the fact that the details were either not retained by the creditors or not mine. I contacted each CRA and was informed that their records were correct. They declined to substantiate the claim and informed me I could file a fraud report if I WISHED, but they could not help me ANY further!

I submitted IN WRITING a Validation request under the FCRA title 611. This request was ignored by the creditors in question. When I called back and demanded to speak to a supervisor to find out the status of the Validation demand that I had filed, I was informed by a person who stated that HE was a supervisor, but refused to provide me with his operator number or extension, that THEY were not required by the FCRA to provide any VALIDATION information for inquiries, even if it could be Identity Theft.

Below listed are questionable, if not altogether erroneous inquiries you are reporting, each of which REQUIRES ERADICATION from reporting IMMEDIATELY and PERMANENTLY :
Product: Credit reporting

This is my XXXX XXXX dispute over this issue, Equifax responded and resolved some of the fraudulent inquiries, however some still remain and those Equifax claims there not reporting on Consumer Report anymore but they still areFraudulent Inquiries still remaining -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -This inquires still remain in my credit report, I need them removed like the others.
Product: Debt collection

My personal information was stolen and illegally obtained and distributed because of the XXXX data breach. XXXX has removed XXXX XXXX XXXX from my consumer credit report and my credit report but Trans Union is still reporting XXXX XXXX XXXX as a collection on my credit report. I have reached out to Trans Union and explained this issue but they have not responded. This XXXX XXXX XXXX XXXX being reported by Trans Union on my Credit Report and XXXX Credit report is causing serious problems for me concerning the ability to obtain credit.
Product: Mortgage

My original mortgage was taken out on XX/XX/XXXX. I made regular on time payments each month. The financial institution was XXXX XXXX. During XXXX of XXXX, XXXX XXXX sold my mortgage to Mr. Cooper, the company that is now my current loan servicer. As a result of this transaction, to which I was not made aware of nor gave any consent this impacted my credit score significantly XXXX XXXX points in XX/XX/XXXX. I do not believe that this should reflect on my credit report as a brand new loan and thus reducing my score XXXX XXXX points because behind the scenes it was decided to sell or transfer my mortgage to another servicing provider with different terms than the provider I originally went with. I would like this to be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi My name is XXXX XXXX and I was a victim of identity theft. When i checked my credit monitoring site for the first time i noticed fradulent student loan accounts on my credit report for over 8 thousand dollars ... From 2014 to present. I also notice a fradulent mobile account from XXXX for over 900 dollars. And a fradulent XXXX XXXX XXXX   account for XXXX dollars.
Product: Debt collection

I.C. SYSTEM, INC has posted a collection account onto my credit profile. I have no recollection of this bill. I am disabled and on social security. I was denied an approval for a XXXX XXXX credit card because of this collection. I contacted the credit bureaus and disputed the account ; XXXX, XXXX, and XXXX. XXXX  refuses to honor my numerous disputes with the aforementioned account. I am deeply disturbed and depressed by I.C. System 's and XXXX  's action. Please see the item below : Account Info I.C.  SYSTEM, INC Account number- XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$860.00}
Product: Debt collection

I have no idea what this is pertaining to I have never received notification both company babes listed on credit report seqouia financial services and 10 city of XXXXXXXX no one answers phone calls or returns messages I've recently attempted to remove from credit no response and no form of communication from them I have no idea what these two debt collectors are for
Product: Debt collection

I have an XXXX credit card through XXXX XXXX XXXX. The last time I used the card was in XX/XX/2021 for {$44.00} at XXXX. In XXXX, I called in to pay my bill and was informed that my balance was {$4400.00} +. I was on the phone with 2 separate Elan representatives and I was insured that this would be looked into by the Fraud Department. I was then sent a new credit card and the old card was cancelled. Charges still kept be charged to XXXX, XXXX, XXXX and other miscellaneous companies. I again called the Fraud Department and they again closed that card down and sent me another one and told me not to activate it. I didn't. I have since been receiving card member services statements everyday showing a credit for one charge at a time. I at this time have over XXXX statements. The latest card that was not activated was charge this last XXXX for miscellaneous amounts totalling {$2000.00}. I for the last 10 months have been calling and speaking to Elan and everytime I am assured that a note on my account will be made and my credit won't be damaged. My husband and I bought a car a few months ago and was informed because of this nightmare, our credit went from XXXX to XXXX. Also I and he are being called 2-4 times a day. When I take the call, it is the same old promises that everything will be fine and I get transferred to the fraud department to explain the entire nightmare again. I also went into my local XXXX branch and the manager told me there is nothing she can do as they don't deal with the credit cards. My current balance on the card is {$1900.00}. I told Elan that I am not paying it and I need my credit restored. I have over XXXX statement showing that many of the charges were credited to my account but the charging continues and I am thinking it is an inside job. I don't know where to go from here. 

Please feel free to contact me at XXXX. The telephone number for cardmember services is XXXX. I do have over a XXXX statements that I can send you but am not sure if you wanted to have so many! By the way, as I was writing this, I was called again from XXXX Services.
Product: Mortgage

Madam or Sir : We filed a complaint ( XXXX ) when we were closing on our house in XXXX, NC in XX/XX/XXXX. The Mortage Company at time was BSI and they claimed our payoff was approximately XXXX. This was totally incorrect. We bought the house in XXXX for approximately {$190000.00} and added a second lien around XXXX. Around XXXX we owed approximately {$220000.00}. Our mortgage was sold several times between XXXX and XXXX. BSI bought the mortgage in XXXX and claimed we owed well over {$200000.00}. When we asked why it was so high, they sent us a copy of a document where my wife signed, and it stated that we owed over {$200000.00}. However, the document was dated XXXX. My question is, where did the 10 years or so of payments go? That is why we filed a complaint back in XXXX. Plus, at the time of closing, another second lien company ( XXXX ) charged us {$19000.00}, for what, we do not know. When my wife called to ask for a payoff, she was quoted around {$6000.00}. However, when we were closing on the house, it jumped to {$19000.00} with no explanation given for the increase. We filed the complaint nearly 3 years ago and no resolution has been given to us as of this date. Originally, my wife was working with an agent in your office named XXXX XXXX, who I believe is no longer with your office. I want to know who was assigned our complaint after XXXX XXXXXXXX I need a name, number, or email address. I need the name of the office that works with the complaints and the Supervisor 's name. I will file a formal complaint if this issue is not resolved properly.
Product: Vehicle loan or lease

I was approved for a loan by USAA, and I originally submitted the funding request from a licensed, registered dealer ( XXXX XXXX XXXX  ) on XX/XX/XXXX. It's now XX/XX/XXXX. Since then both the dealer and I have been told that the funds will be sent in 1-2 business days on at least four separate occasions. USAA has changed the story several times on why the loan is taking so long, saying that it's being reviewed, or that they need to verify the dealer, or simply saying that it's going through their process. At one point they said that they need to verify the dealer, so I gave them two phone numbers and an email address for the dealer and offered to send them a copy of their license ( which the dealer happily and immediately provided when asked ). USAA told me that they verified the dealer. Several days later, USAA said they had NOT verified the dealer. They openly acknowledge that they don't need any more information from either myself or the dealer, but won't explain what action ( if any ) they're taking. IF the issue is still 'verifying the dealer ' I looked up the dealer 's license and contact information from my smartphone WHILE ON THE PHONE WITH USAA and offered to send it to them, which they declined.