23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies involved : TransUnion XXXX XXXX Mortgages company involved : XXXX XXXX XXXX XXXX mortgage payments reporting inaccurate-over 90 days late on consumer reports due to mis-applied payments. This has caused loans to be denied and credit cards limits decreased which has exacerbated my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2022, my servicing mortgage was transferred from XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. That meant that after that date XXXX XXXX XXXX XXXX XXXX collected my mortgage loan payments from me. Stated on first page, Nothing else about my mortgage loan will change On XX/XX/2022, amount due to XXXX XXXX XXXXXXXX was {$0.00} On XX/XX/2022, amount due to XXXXXXXX XXXX XXXX was {$2300.00} I made payment via my XXXX XXXX banking. My bank statement shows the amount of {$2300.00} being withdrawn on XX/XX/2022 On XX/XX/2022, I received an Advance Notice of Late Charges in the amount of {$0.00}, if payment was not received by XX/XX/2022. 
On XX/XX/2022, amount due to XXXXXXXX XXXX  XXXX had ballooned to {$5100.00}. The reg payment increased to {$2700.00} including XXXX XXXX XXXX of {$2300.00} My bank statement shows the amount of {$2300.00} being withdrawn from my XXXX account on XX/XX/2022. XXXXXXXX XXXX XXXXXXXX withdrew the money but did not apply it to my mortgage. 
On XX/XX/2022, I received an Advance Notice of Late Charges that my mortgage loan was past due for XX/XX/2022 in the amount of {$2700.00}. If payment not received by XX/XX/2022 a late charge of {$110.00} will be assessed to my loan. 
On XX/XX/2022, I phoned XXXXXXXX XXXX XXXXXXXX customer servicer inquiring why mortgage payment increased. The customer service rep advised that a tax analysis was conducted which increased the payment. I advised the customer service rep that my Notice Of Servicing Transfer stated that Nothing else about my mortgage loan will change. I also advised customer service rep that I was a XXXX Vet and that I was approved and received my Exemption Status Letter on XX/XX/2022 and my Residential XXXX Exemption Status Letter on XX/XX/2022. XXXXXXXX XXXX XXXXXXXX should have received those documents because it should have been transferred with my file from XXXX XXXX. I ask rep why those documents wasnt transferred over with my loan file, rep was not able to provide an answer. The customer service rep advised to send those documents to XXXX. 

On XX/XX/2022, amount due to XXXXXXXX XXXX XXXXXXXX was {$5700.00}. Both my XXXX and XXXX payments were applied to Unapplied funds in the amount of {$4700.00}. 
On XX/XX/2022 I filed for Loss Mitigation workout option. 
On XX/XX/2022, Loss Mitigation Evaluation Notice Forbearance Plan was approved effective XX/XX/2022. The Plan was to provide temporary relief and determine the inquiry of tax exemption letter. 
XX/XX/2022, spoke to XXXX XXXX who advised me to send exempt letter, a second time to XXXX including Account number, name, phone number and uploaded document.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX OTHER NAMES LISTED DO NOT BELONG TO ME XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OTHER ADDRESSES THAT DON'T BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EMPLOYERS THAT DON'T BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an equity line of credit on my home and wasn't able to get it I have plenty of accounts that are fraudulent and inaccurate on my credit report. I wrote to XXXX, Transunion and XXXX. I made them aware of the fraud and inaccurate accounts I will attached the letters to the complaint. I haven't received a response as of yet this is a critical situation. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. 
The following personal information is incorrect Account Number : Former : XXXX, XXXX The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX CT XXXX The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX NY XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 The status is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX The following personal information is incorrect XXXX XXXX Account Number : XXXX The following account is not mine XXXX Account Number : XXXX The following account is not mine XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX  XXXX Account Number : XXXX Identity Theft XXXX XXXX XXXXXXXX. 
Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft Identity Theft XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft Validate Account XXXX XXXX Account Number : XXXX remove it from my credit report. 

Validate Account XXXX Account Number : XXXX remove this inaccurate information from my credit report. 

The following information is outdated. I would like it removed from my credit history report XXXX XXXX  XXXX XXXX Account Number : XXXX delete from my credit report. 

The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX Account Number : XXXX delete from my credit report. 

Identity Theft XXXX XXXXXXXX. 
Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft The status is incorrect for the following account XXXX XXXX Account Number : XXXX delete from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 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 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: Prepaid card

Starting XX/XX/XXXX to XX/XX/XXXX {$37000.00} was fraudulently stolen from my account using ATM withdrawals. I filed a claim that it was fraud and sent over my picture ID, receipts, itineraries, and other evidence backing my claim. The transactions all took place in California and at the time I was living out of state. Everything I sent had dates and addresses proving this yet my claim was denied because they said my card was mailed to the address on file and activated using my credentials. I explained to them that it is fraud and it wasnt me. I have direct proof and documents corresponding with the exact dates these transactions were taken. I am desperately trying to resolve this and get my money back. I HAVE PROOF. Its obvious it was fraud and I did not authorize any of those withdrawals. I never received the card
Product: Credit card or prepaid card

XX/XX/2018 CapitalOne Account # XXXX This account was inactive and closed account for nearly a year. They suddenly charged me a membership fee of {$39.00} that I paid to avoid hurting my credit score. Call the company and file the complaint. It shows that it was inactive / closed but I am still charge the " membership fee '' They admitted that this account is inactive. They refused to reversed the " membership fee ''. I think it a scam for them to suddenly charge a so call membership fee. 

The refused to give me a cancelled confirmation but gave me some weird ID number XXXX.
Product: Checking or savings account

I am writing to request your assistance in resolving an issue with my bank regarding monthly maintenance fees deducted from my account. 

Since XX/XX/year>, a total of 16 monthly maintenance fees of {$12.00} each have been charged to my account. When I contacted the bank, I was told these charges were due to my account balance being low. However, when I opened this account, the banker specifically informed me that there were no balance requirements for avoiding maintenance fees. 

These unexpected fees have caused significant financial strain, especially as I have been facing considerable personal challenges. Over the past few months, I have struggled with XXXX and even XXXX attempts. As an XXXX student, I have also had difficulty finding stable employment and securing my current job. Managing my finances has been extremely challenging, and I feel overwhelmed trying to navigate these banking issues. 

I have been a loyal customer of this bank for quite some time and have always done my best to manage my account responsibly. I am reaching out to the CFPB because I need help addressing this matter and ensuring fair treatment from my bank. 

Please let me know if you require additional information, such as account statements or documentation of my interactions with the bank. I appreciate your attention to this matter and any assistance you can provide. 

Thank you for your understanding and support.
Product: Vehicle loan or lease

Tidewater motor Finance continues to report false derogatory information to the credit bureau ( XXXX, XXXX  and XXXX ). I have disputed this information several times with no resolution. Due to this inaccurate reporting, I have been denied a home and Jobs. I have provided Tidewater with court documents from XXXX County Clerk of the circuit court to validate my claim Tidewater continues to harass and retaliate against me by adding negative remarks and extra fees every time a dispute is filed which cause my credit score to decrease monthly. In XX/XX/2015 the courts ordered me to pay XXXX, Tidewater is reporting XXXX. They are reporting negative information twice on my XXXX  credit report.
Product: Mortgage

My problem began when I was steered and pushed into a negative amortization loan. The problems continued as my mortgage payment and balance increased over the years, eventually going up nearly {$700.00} a month. This coupled with recently having to go on full time XXXX and a mortgage lender Caliber Home Loans that seems to not care or respond to my requests for help has me facing foreclosure. There are XXXX of us living here, including my special needs daughter and losing our home would be devastating. We are contacting you to see if we can get any assistance with our situation and try and get Caliber to engage with us. 

When I purchased my home I had solid employment for many years as a locomotive engineer and had a solid credit profile. However, for some reason I was steered into this predatory negative amortization loan that I did not fully understand to buy the house. Despite the fact that my payments and even my balance continued to increase incrementally, I was able to pay as agreed for many years. Due to the huge increase in monthly payments as well as health issues and caring for my XXXX daughter I began struggling a few years ago and applied for a modification with Caliber and after a long review was approved, although the new payment was higher than what I had been paying. Not long after that things took a turn for the worse when my doctor told me that my XXXX was so bad that I could no longer work and had to go onto XXXX. This resulted in a loss of about {$5000.00} a month in income. I am receiving benefits, and my wife is working full time as well, but there is no way we can afford the modified payment that Caliber offered us. 

I began reaching out to Caliber to explain the situation and to inform of the drastic change in financial circumstances. I was told that there were programs available for us and that we just needed to apply and send in the paperwork. Well I have done this on numerous occasions and have made no progress and do n't really know where I stand. The problem began because I was pushed into a predatory toxic loan that was destined to fail by XXXX. After the loan was transferred multiple times, it ended up with Caliber. I am sure that they obtained this loan for a significant discount, because they knew it was destined to fail. 

I have worked hard my entire life, and this home is all I have. I do not want to fail because I was steered into this predatory loan, and then became XXXX. I want Caliber to work with me to resolve this problem. I know that there are government and in house programs available for struggling homeowners like myself. Why wo n't Caliber give me access to these programs? Instead they are rushing to foreclose on my home so that they can increase their bottom line and put me out on the street. I know that Caliber has government and in house programs available for homeowners such as me. Why are they not allowing me the opportunity to have a review completed for options based on my current and correct financial status? I do not want to lose my home!
Product: Debt collection

This company is reporting a fraudulent debt that is not owed to them. I sent debt validation request to the company to provide a signed contract of the alleged debt they sent me a letter which i will attach with a fake address with my name attached. I goggled the address and it didnt come up as a valid address. I have never lived at this fake address that they provided. I contacted the original creditor XXXX XXXX and they stated they couldnt find any information in the system for this fraudulent account. They are reporting this information as a debt owed to this company.
Product: Credit card or prepaid card

I turned in my payment to the processing center and they are acting like they never got it. I sent the payment certified mail, which it said it was delivered to the correct XXXX XXXX XXXX I has been a whole month and they are trying to let fees accrue while they play XXXX. They payment says it was delivered XX/XX/2022. It was in the form of a payment coupon. According to LAW " '' Coupons are written contracts for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, thatthey, may be separated from the bonds and other instruments to which they are usually attached, it is held that they are negotiable and that a suit may be maintained on them without the necessity of creating bonds. '' Aurora v. West, 7 Wall. S8 19 L. Ed. 42 '' it's taken in good faith with intent to accept unconditionally for value upon only minimal due diligence allowed, cautioned, and required by law, implied contracts in place, constructive trust involved, and contacts. My fiduciary responsibilities include specifically, the duties of care, confidentiality, loyalty, obedience, and accounting. Above all emphasis is on accounting as " the Undersigned '' can not be held financially liable for anything he did not personally sign by his hand and which can not be presented & /or exhibited upon request for inspection for authenticity, terms, conditions, and to view all contents as to possession reflected on fronts and backs. XXXX XXXX is suggested as to owing payment or performance. The Undersigned is XXXX XXXX XXXX and is not guarantor for payment nor guarantor for collection for XXXX XXXX however as POA facilitator you have a duty of due DC diligence to verify authenticity and positive identity if demanding party claiming a right to payment or performance.
Product: Debt collection

The account in question was opened in XXXX through XXXX XXXX  in XXXX XXXX. I had another credit card through XXXX from the year prior which I did not understand at the time. Once I realized there were XXXX accounts through XXXX I was transferred over to XXXX XXXX. I set up auto payments through them and the first few payments went through without issue. This company removed my auto pay which sent my credit into a downward spiral. After acquiring substantial debt from the " missed payments '' and interest I sought out debt consolidation with XXXX and was making payments of {$180.00} a month to slowly pay down debt. In XXXX I lost my job due to XXXX and attempted to still make payments with unemployment checks. I remained unemployed and reached the limit of that accommodation and reached out to XXXX and reported a loss of income. They closed my account through XXXX and XXXX took over the debt. The other credit card from XXXX XXXX  along with all other debts accrued were settled at the time that I secured employment in XXXX. The XXXX XXXX credit card ( the item being reported ) was sold to Resurgence and showed a balance of {$760.00} as evidenced by the last XXXX statement attached below. The information sent to me from XXXX stated that I owe {$780.00}. The information they sent to me had an interest increase of {$13.00} for the year of XXXX. I did not receive any other statement from them for XXXX. The discrepancy in amount and lack of previous payments prior to collection leads me to believe they do not have the proper documentation to prove this debt is correct. I have filed a dispute through them directly and it was rejected with little to no further information regarding this account.
Product: Consumer Loan

This is an extension of the complain # XXXX. I opened a vehicle loan with Ally Financial in XXXX. All payments to the loan were made on time and setup for electronic debit and processed out my checking account via ACH. I paid off the loan in the exact same manner and called to let them know I was selling the vehicle and needed to expedite the title. I was immediately told that is not possible-they do n't make exceptions. Then I was told it would be 10 days before my title was sent. I was promised it would be mailed out on XXXX/XXXX/XXXX which was a Saturday so I questioned that being a weekend and they promised that it would be XXXX/XXXX/XXXX. I tried several more times to expedite this process as I felt 10 days was an unreasonable amount of time to hold the title. I communicated my urgency verbally over the phone, written through my online account, and written through Ally XXXX 's chat feature on their website. Still, my title was mailed out REGULAR MAIL ( which is negligent ) on XXXX/XXXX/XXXX. I was very upset with this as I had made it very clear I needed it as quickly as possible and they disregarded me completely. I have called at least 10 times asking for someone to please let me know where it is as it is now XXXX/XXXX/XXXX and I still do not have the title. Originially I was told it would take 3-5 business days to receive. Miraculously when I did n't receive it after 5 business days, their policy changed to 5-7 days! Because I filed a complaint, I was told that my file had been transferred to the EO department which I later found out stands for Executive Office and there is no way for me to contact them. I have to wait for someone to call me. I have been waiting for TWO WEEKS and no one has had the decency to call. I continue to call customer service and they just say my title was mailed out and there is nothing they can do for me. How could this possibly get any more ridiculous? The buyer for my car backed out and purchased another as I was not able to timely receive the title. Ally had declined to take responsibility in any way and refuses to pay for a duplicate title even though they are the ones who mailed it with no tracking and is likely now lost in the " regular mail '' that they trust for such important documents. I can not express my frustrations with this company enough. This has single handedly been the worst customer service I have ever heard of, let alone experienced, in my entire life. I am still waiting on my title, just like I am waiting for the callback that they " promise is of high urgency '' that has taken more than 14 days to get ... .Absolutely ridiculous! It is very clear that customers who actually pay their bills are not a priority to this company.
Product: Credit card

I purchased a refrigerator from Home Depot in XXXX XXXX  on XXXX XX/XX/year> using the Home Depot credit card. The refrigerator was brand new, but did not work upon delivery. The Home Depot sent a repairman twice and scheduled a third repair visit over the next four weeks. I contacted the store assistant XXXX, XXXX, who arranged for a return and full refund. The refrigerator was picked up by a XXXX XXXX crew by XXXX XXXX. The first payment for the returned refrigerator was due on XXXX XXXX. I received a notice on XXXX XXXX that a payment was past due for the refrigerator that was returned the end of XXXX. I immediately went to the XXXX store and XXXX contacted the credit card company. He assured me that the issue was fully resolved and apologized for the inconvenience. I then received another past due notice by email on XXXX XXXX for the refrigerator that was returned the end of XXXX. I again went immediately to the store and a store associate contacted the credit card company. The Home Depot credit card company waived one late fee but insisted I pay a {$29.00} late fee for a purchase that was returned prior to the billing due date. They also would not assure me that no adverse credit reporting occurred as a result of their delayed crediting of the returned refrigerator.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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