23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was able to completely pay off my credit card so I contacted the credit card company and requested the payoff amount and closure of the account. I clarified my request by stating that I wanted the exact payoff amount for that day and time and I paid the complete amount during that phone call. I also specifically requested that a letter be sent out showing the XXXX balance and closure of the account. Roughly a XXXX later I received a statement from my credit card company showing that I still had a balance on my account from interest that had ocurred before I had closed the account. This little game could continue on for infinity and I believe that the credit card company is purposly attempting to trick consumers into thinking that they have closed an account. Once the consumer has forgotten about the account and missed numerous payments because they thought the account was closed charging the exorbitant late fees and interest rates. This is an unbelievably deceptive business practice and it needs to stop.
Product: Vehicle loan or lease

I purchased this vehicle in XX/XX/year>. I was NOT informed by the dealership, nor Credit Acceptance that my loan payment was the XXXX of every month. I thought it was like another loan where my first payment is 45 days after the signed contract. 

That was not the case. My payment was due on the XXXX day. Meaning, every XXXX of the month, I had to pay. The dealsership had a tablet for me to sign, so I did not see any of the due dates on the contract. When I found out, they told me I can contact Credit Acceptance to change the due dates. 

Over the course of XXXX years, I kept contacting Credit Acceptance asking their agents to move my due date so I am not in the negative trying to pay rent and my car payment in the same week. Those dozens of calls were complete failure, as NO agent would allow the change. They REFUSE to work with me. 

I am certain CREDIT ACCEPTANCE and my car dealership did something illegal on my car loan. The interest is loan shark to where I can not get the payment lowered. How am I still owing almost $ XXXX dollar on a XXXX XXXX, and the original loan was for $ XXXX. I still owe over $ XXXX. Help me make sense. What they are doing is creating an issue to where I am perpetually in debt and will never be out of this vehicle. The retail value is not even $ XXXX. 

When I was able to start making payments again, instead of issuing those towards my late payments to catch up, they keep REPORTING ON my credit bureau that I am late. I can't ever get another car loan because of their ridiculous reporting tactics. 

I was finally after almost 3 years, got one rep to move my due date to the middle of the month. So if this rep was able to due this after a natural disaster, WHY COULDN'T THE OTHE REPS do this for me? They have created a situation where my credit became completely screwed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, SXXXX XXXX account # XXXX, XXXX XXXX associates account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # 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 or other personal consumer reports

I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus ae not doing their job. 

According to 15 USC 168, XXXX, XXXX, and XXXX have XXXX days to investigate and send me results. 

I have all the evidence attached below
Product: Mortgage

In XX/XX/2019 we were told by XXXX XXXX XXXX my mortgage was being sold to Rushmore Mortgage and they would contact us. It took 2 months before we were contacted by Rushmore on where to send our payments. Once we received the address we fedex 'd a check to Rushmore.  During that process there was still 3 months they were saying we needed to pay them. At that point we entered into a repayment plan. My problem here is Rushmore is showing me currently 90 days past due and then 60 days past due before that. I have done everything I'm suppose to do and I'm asking that the 60 and 90 day lates removed from my credit report due to our repayment plan agreement.
Product: Credit reporting or other personal consumer reports

Proof of debt, copy of contract with collection agency with my signature, proof of licensing in state of Florida to collect debt as none of the companies listed in complaint are not licensed in the state of Florida to collect debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out in XX/XX/XXXX from my XXXX Credit Card that someone made a purchase with my Credit Card number and paid for a hotel when i did not utilize so Discover stopped the payments and canceled my card and gave me a new one. I checked my other cards and bank account and found someone has stolen money off of my XXXX  XXXX card and XXXX XXXX cards and my TD Bank debit card. My money stolen for these others was someone using the money for gaming on XXXX. My XXXX XXXX account canceled my cards and gave me new ones and got my money that was stolen returned. XXXX XXXX has not yet fixed this problem and neither has TD Bank, the bank cost the most as {$1400.00} was stolen from XX/XX/XXXX to XXXX. I am on XXXX and haven't worked in over 4 years and on occasion in the past i did sometimes pay for gaming but not in recent months cause i was dealing with house refinance and helping my parents cause my dad just turned XXXX and mom is about to turn XXXX. During XXXX and XXXX i was given gift cards for XXXX gaming which i did use but not my credit cards or bank account cause i was trying to help my parents.
Product: Money transfer, virtual currency, or money service

Should have received XXXX from XXXX, instead received XXXX BTC From XXXX : XXXX XXXX Address : XXXX XXXX XXXX  XXXX I filed a support case and contacted support a week later when I did n't receive a response. I XXXX at both the company and support XXXX accounts. Again, no response.
Product: Credit reporting 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. 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 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: Debt collection

This company keeps trying to say my identity was stolen. My identity was not stolen. There are many XXXX XXXX. I am just one of many. The address on file for this debt does not match my address and has never matched any of my addresses. I have never lived at this address. I sent proof to this company that I never lived at that address. Yet they are still trying to claim that my identity was stolen. My identity was not stolen. They have the wrong XXXX XXXX. 

There is a charge on my credit report that is not mine. It is an EMS charge with XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the EMS company and told them it was not mine. The EMS agency confirmed the address was not the one they had on file and removed the charge from my credit report. However, the charge has now reappeared. This time I contacted the Collection Agency ( Applied Business Services , Inc. Security Collection Agency ) and told them it was not my account, and I provided them with a copy of my XX/XX/XXXXand XX/XX/XXXX XXXX showing my address, showing that since XX/XX/XXXX I have never lived at the address that the EMS company had on file - it is in another town! I asked them to remove this from my credit report because it is not my account. The credit agency did not do that. They simply sent my current address to the EMS agency. The charge is still on my credit report. 

My identity was not stolen. This is the wrong XXXX XXXX. I do not need to fill out and stolen identity paperwork. I already sent proof via certified mail of my address. I sent a copy of my XXXX for XX/XX/XXXX and XX/XX/XXXX and a copy of my driver 's license. I have never had my identity stolen and I am not claiming that my identity has been stolen. They have the wrong XXXX XXXX. The address on file with the EMS company does not match my address. I don't know how many other ways I can say this so that this company will understand.
Product: Mortgage

Subject : Mortgage Payment Error and Unfair Late Fees Complaint Summary : I recently discovered that my mortgage was placed in default due to a short payment, which I was unaware of for two months. Despite having paid a total of {$5900.00} by XXXX, the bank refused to apply my payments to the mortgage account because of a shortfall of {$580.00} in XXXX. This shortfall was related to the escrow account reserve for taxes, not the actual interest payment. The bank has now demanded {$24000.00} in late fees and refuses to accept further payments unless the late fees are paid in full. 

Details of the Issue : Payment Application Issue : By XXXX, I had already paid {$5900.00}. Even if my XXXX payment was short by {$580.00}, the payment should have been applied to the mortgage account. The unpaid amount was not related to interest but to the escrow account reserve for property taxes. Despite this, the bank treated the shortfall as if it was a missed mortgage payment and escalated the situation unnecessarily. If penalties were applied starting from XXXX based on a {$1300.00} shortfall ( from both XXXX and XXXX ), it is unreasonable to demand {$24000.00} in penalties for such a small deficit. 

Excessive Late Fees : A penalty of {$24000.00} for a shortfall of {$1300.00} is excessive and disproportionate. The penalty calculation appears arbitrary, and there has been no clear explanation or breakdown of how this amount was determined. 

Refusal to Accept Payments : The bank is refusing to accept further payments until the full penalty amount is paid. This has escalated the issue unnecessarily and has caused significant financial distress. 

Requested Resolution : Apply the {$5900.00} paid to the mortgage account and adjust or waive the excessive late fees. 
Allow me to resume regular payments to bring the mortgage current. 
Provide a detailed breakdown of how the {$24000.00} penalty was calculated and clarify why the escrow reserve shortfall was treated as a missed payment. 
This situation has placed an undue financial burden on me and appears to violate fair lending practices. I request your assistance to resolve this issue and allow me to bring my account current.
Product: Credit reporting, credit repair services, or other personal consumer reports

While monitoring my credit reports I found several fraudulent inquiries on Trans Union, XXXX, and XXXX. Even though I paid to have all three credit agencies to lock or freeze on my reports, to my dismay, someone was still allowed to solicit credit in my name and was granted a XXXX cable/internet account in my name in XXXX CA. This is despite the fact at the time I had a valid XXXX account in my home in Washington, which had been active for years. Needless to say I no longer use XXXX. 

I called each company and informed them of the fraud. I also asked them why they did not contact me in accordance with the credit locks that were in place. I asked all of the companies to remove their inquiry from my credit report. I also contacted Trans Union, XXXX and XXXX to inform them of the fraud and requested the inquiries be removed. I also disputed the inquires via one of these agencies online form to no avail. XXXX XXXX and one other creditor honored my request and removed the fraudulent inquiry. 

The majority of the fraudulent accounts were initiated with a XXXX CA address. I contacted XXXX PD and reported the fraud to their Financial Crimes division. They opened a case. 

Months later XXXX discontinued my service and claimed I owed them over {$900.00} for service in XXXX CA. I explained to them that I contacted their office in XXXX about the fraudulent inquiry. Yet it turns out they gave the perp an account in my name despite my informing them. After trying for more than a week to have XXXX correct this issue, I filed a complaint with the PA Attorney General. XXXX eventually apologized and removed the collection from my reports. 

Currently I still have several fraudulent inquires on all three credit reporting agencies even though I have asked the companies and the agencies to remove them. I would like to have every fraudulent inquiry removed. 

TRANS UNION fraudulent inquires : XXXX   XX/XX/2017 XXXX XX/XX/2017 XXXX  fraudulent inquiries : XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX  fraudulent inquiries : XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 Please note, I currently have an active XXXX XXXX Card and an active XXXX XXXX Card. The fraudulent inquiries cited above are NOT associated with my current active accounts. One of which is more than 14 years old.

Thank you.
Product: Debt collection

On XX/XX/2018 I sent in a letter requesting for deletion because of inaccuracy.
Product: Debt collection

I have told them many times not to call my office of work. I work in a medical clinic and they harass me during operation hours, blocking up XXXX of the few lines we have for clientele needs.
Product: Debt collection

XXXX XXXX ( XXXX ) calls and harassed myself, my XXXXyear old mom, and my husband. The debt was discharged in a bankruptcy and I no longer owe the debt. This company threatens to file charges with DA office. There is no such thing as going to jail for debts.
Product: Debt collection

I receive several calls " everyday '' in the morning and in the evening from this debt collection company. It has been going on for several months now. I want it to stop! Here are more numbers that they use. 
XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 an item was returned and credit of {$21.00} should have been applied to my account on XX/XX/2023 by the bank system. However, the bank would not release the funds and told me that it is not available and marked it as pending until XXXX XXXX contacted the bank and they said it could take up to 5 days. They also said that my account was compromised again. 
On XX/XX/XXXX I made a transaction in the amount of {$43.00}, {$3.00}, and deposit of {$45.00}, {$39.00} but the bank illegally applied the transactions for XX/XX/2023.
Product: Mortgage

The lender failed to calculate the payments according to the terms of the loan documents. 
This was a negative amortization loan and they failed to do the calculation in pursuant to the terms of the loan. The problem was till XX/XX/2014. 
They failed to provide a complete payment history from the day I took the loan. 
I requested again by sending a QUALIFIED WRITTEN REQUEST. ( QWR ). 
THEY IN TURN STATED WE HAVE TO DO A APPRAISAL. Before we can comply with your request. 
The Appraisal have nothing to do with the payment history. 
I strongly feel they missed payments which i made and need accounting
Product: Debt collection

I received a letter from MCM on XXXX XXXX, XXXX, stating that I had a debt in their office regarding my XXXX Bank account. In XXXX XXXX, I called and spoke to XXXX at extension XXXX, at that time she made me a settlement offer of {$830.00}. I asked before I paid the amount would that close the account? She replied that if I took care of it that day that it would close the account with a zero balance, so I paid that amount that day. As I check my credit report, XXXX XXXX Bank is still showing the balance and a charge off, I have contacted XXXX on numerous accounts regarding this matter with no success. I have disputed this account with all three credit agencies with no success. So today I get an updated credit report on XXXX XXXX, XXXX, and MCM ( Midland Funding ) is reporting a past due balance of {$250.00} ( the amount from the original balance {$1000.00} from the settlement offer of {$810.00} ). When I called MCM I got XXXX different numbers to call as their office did n't handle the case. I finally spoke with XXXX XXXX XXXX XXXX ext. XXXX ) that informed my wife that he would look into and that he would ask for an update. I informed him that I have the bank statement where the monies was paid on that day and that XXXX sent us a letter where the debt was paid in settlement. XXXX informs me that once he receives the update that he will send out additional letter stating that there is a zero balance as well as contact the credit reporting agencies showing that is a zero balance. That is unacceptable as the debt was paid in XXXX XXXX and MCM did not report the debt until XXXX XXXX. I think that it should be removed as it was reported incorrectly. MCM has called family members and neighbors even after the debt was paid in full. MCM has also stated that there are additional debt in their office and I can assure you that they are not my debt.
Product: Debt collection

This company called TRS is sending fraudulent papers in the mail pretending to be work for XXXX XXXX. But i called the XXXX XXXX XXXX XXXX, they told me, they have no Idea what I talking about. I sent them a copy of the letter, not sure your company has a copy. This need to prosecuted to the fullest extent. 
Thank you XXXX from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding TransUnion 's investigation to correct inaccurate information on my consumer credit report for my XXXX  XXXX  ( mortgage account ) as follows : In " PAYMENT HISTORY '' Section - shows for XXXX, XXXX, XXXX, XXXX and XX/XX/2020 as " UNKNOWN '' and TransUnion has not corrected this error by failing to report these payments were in fact made for these months. 

I am disputing the above because our mortgage servicer, XXXX, failed to report payments made for XXXX, XXXX, XXXX, XXXX and XX/XX/2020, when our Account was NEVER in forbearance. ( Note : As of XX/XX/2020, TransUnion has updated and corrected my credit report by removing the forbearance off this account ). 

ALL PAYMENTS WERE TIMELY MADE TO XXXX, INCLUDING XXXX, XXXX, XXXX, XXXX AND XX/XX/2020 ( Please see attached Loancare Billing Statements for XXXX, XXXX, XXXX, XX/XX/2020 and XXXX Payment History Report for XX/XX/2020 payment ). 

THEREFORE, I AM DEMANDING THAT TRANSUNION CORRECT THEIR ERROR ON MY XXXX  ACCOUNT AS FOLLOWS : IN PAYMENT HISTORY SECTION REMOVE UNKNOWN FOR XXXX & XXXX AND REPORT PAYMENTS MADE FOR XXXX, XXXX, XXXX, XXXX AND XX/XX/2020. SINCE THESE PAYMENTS WERE MADE TO XXXX, TRANSUNION IS REQUIRED TO REPORT THIS ON MY CREDIT HISTORY FOR THIS ACCOUNT ( please see attached XXXX  Billing Statements for XXXX, XXXX, XXXX, XX/XX/2020 and XXXX  Payment History Report for XX/XX/2020 payment ). 

Please See the Following Attached Supporting Documents : 1 ) TransUnion Credit Report After Dispute Dated XXXX XXXX ) XXXX  Account - Payment History Report XXXX 3 ) XXXX  Account Billing Statement for XX/XX/2020 XXXX ) XXXX  Account Billing Statement for XX/XX/2020 5 ) XXXX  Account Billing Statement for XX/XX/2020 6 ) XXXX  Account Billing Statement for XX/XX/2020 WE ARE CURRENTLY TRYING TO REFINANCE OUR VA HOME MORTGAGE WITH OTHER LENDERS AND WE ARE UNABLE TO DO SO BECAUSE OUR XXXX  ACCOUNT HAS FAILED TO REPORT PAYMENTS MADE FOR XXXX, XXXX, XXXX AND XX/XX/2020, WHICH NEGATIVELY IMPACTS OUR CREDIT PAYMENT HISTORY. WE ARE DEMANDING THAT TRANSUNION IMMEDIATELY CORRECT THE ABOVE ERROR AS THIS IS PREVENTING US FROM WORKING WITH ANY LENDERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people. 

These are clear violations of my Federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original collection open XX/XX/2019 and they added on the same account twice and they keep changing when the account was open it should be one open collection on my Equifax not two duplicate collection
Product: Debt collection

I have no idea who this company is. I didn't receive enough information to verify the debt.
Product: Mortgage

My mother had a mortgage. She passed away. I sold the home in XXXX and have been waiting for the escrow refund of XXXX $ ever since. I have been on the phone with this company over 30 times. They have sent checks in the wrong name, the wrong address, given me completion dates of checks that never send. The latest letter I got said they will no longer issue a paper check and it needs to be submitted electronically. I was given completion dates that have come and gone. Supervisors we're supposed to call back and no one has. They keep making notes and sending it to other departments. I have asked for someone to be in charge of my account and help me get this completed and " that's not how they do things ''. The agents numbers I have most recently spoke to are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. All I want is the escrow money refunded to me, it has been nearly FIVE MONTHS since the property was sold.
Product: Credit card

Identity information was stolen. Unauthorized charge was made on XX/XX/XXXX for {$960.00}. Disputed charge with chase bank and expressed my information was stolen. Contact merchant and also expressed my information was stolen. Chase said that the ticket was sent so they can not dispute it and will not provide and documents about claim. Contacted asking for a manager and no one has tried to escalate this fraudulent charge that was not made or authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed Several credit inquiries that I find to be problematic. 

The inquiries in question were apparently made by XXXX XXXX XX/XX/XXXX. XXXX  - Card Service XX/XX/XXXX, XXXX - Card Servic XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, I have no recollection of doing any business the listed companies Equifax Has refused to remove these items and has entertained it to affect/impact my credit. I contacted all of them and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me, to call the credit Equifax.