23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

so i paid my behind mortgage on XX/XX/XXXX after i received a NOI from AUGUS REI. August Realstate I as it shows on my credit.they confirmed they received the check on the phone for XXXX $ on XXXX XX/XX/2023 that would clear all the balance due and fees and make my account current and since it was before the NOI deadline no further action should have been made by the company. but the company kept sending me wrong statements after and ignoring this huge payment. i kept calling couple of times at least 4 times and they said they will process the check and the wrong statements was an error. on one ocasion they said i have not made the payment to them!!! then they checked again and said they received it!!! but nothing happens after 45 days. they sent me a wrong notice of acceleration letter on XXXX XXXX although my account was current at the time ( XXXX XX/XX/2023 ) and i had paid every single balance due for each month as well. they are reporting my account as late to the credit bureau XXXX and damaging my credit as well. i dont know what to do really. i keep calling them but no results. last time i called 4 times in a day and they said that their account department is busy they are going to call back they never called back. i am frustrated. i have paid my balance in full and keep paying the balance every month and they are trying to ignore my XXXX $ check and sell my house illegaly. also they are reporting this account as late wrongfully since and damaging my credit. please help me
Product: Credit reporting or other personal consumer reports

I am writing to urgently seek your assistance regarding an alarming error on my credit report, which has significantly impacted my financial standing. Despite my consistent efforts to maintain an impeccable payment history, I have encountered a distressing issue with my credit report. 

Upon reviewing my Consumer Reports, I discovered a late payment entry associated with my XXXX XXXX  account ( Account Number : XXXX ). This entry is entirely inaccurate, as I have never missed a payment on this account. The presence of this erroneous late payment is not only damaging to my credit score but is also causing undue stress and jeopardizing my financial stability. 

Consumer Reporting Agencies have a critical duty to report consumer information with the highest level of accuracy. This incorrect entry undermines the trust I have placed in these agencies to reflect my financial behavior truthfully. I have always been meticulous about paying my bills on time, and this discrepancy is both unwarranted and unjust. 

I request that the CFPB intervene and conduct a thorough investigation into this matter. I urge you to review my payment history with XXXX XXXX  and provide concrete evidence, such as detailed statements, to substantiate the claim of any late payments. If such proof can not be furnished, I demand that this late payment record be promptly corrected to reflect its true status as on-time. 

The presence of this incorrect information on my credit report is causing significant distress and impeding my ability to secure necessary financial opportunities. I respectfully request your immediate attention to rectify this error and restore the accuracy of my credit report. 

Thank you for your understanding and prompt assistance in this critical matter. I look forward to your swift resolution and confirmation that my credit report has been accurately updated.
Product: Checking or savings account

Bank of America allows most consumers to withdraw up to {$300.00} in cash as an overdraft. Unfortunately due to COVID-19 and unemployment, I became dependent on the {$300.00} overage limit as part of my monthly budget. I have paid {$1900.00} in overdraft fees from XX/XX/2021 to today. In early XXXX, the bank turned off my ability to withdraw the extra {$300.00}. Obviously this caused great consternation. However, I accepted it and was told it would be re-evaluated in six months. Instead, the bank then turned my ability to withdraw the money on again a few weeks later without notice. All of a sudden I was incurring overdraft fees for repetitive monthly charges that had been being denied by the bank. I asked the bank to refund these fees due to lack of notice and they refused. Then the bank again turned off my ability to overdraft the account. This also caused great consternation. I don't think it is fair that the bank can turn this dependence forming and fee generating service on and off again without notice.
Product: Vehicle loan or lease

I had a 36 month lease with MBFS ( Mercedes Benz Financial Services ) and we both agreed to extend the lease by one additional month. Additional payments were made and I requested a payoff statement which was never provided. I was only give a single payoff amount which I believe is wrong. MBFS, who is inept and ignorant, advised me that after XXXX payoff the loan I might receive a payoff, but not sure. What they did send me is a monthly amount of my lease payments ; I already had this and this was nothing new. 
I am a lawyer and am very concerned about me and the public for this deceptive and fraudulent practice. There was information that was being provided to me by the employee for MBFS, but they advised that they could not send this to me. This is fraud, concealment and MUST be a violation of consumer disclosure laws. For example, I never advised that my payments went up because I moved from NJ to PA in XX/XX/XXXX, but never received any notice of this and why? I advised MBFS that I made an extra payment or more, which they confirmed, but was told they could not send this to to me but stated " This will all be adjusted after payment is made. " .... am I a fool ; this should NEVER be the case for any consumer -- ever. I wired the sum of {$37000.00} to MBFS and I still do not know if this is correct. Is this the way a consumer is to be treated and for this amount and after being a customer for over 20 years? I have not started the legal research on this issue yet, but I will for sure. This may very well wind up being a class action matter against XXXX or others for violating the Consumer Finance laws. This certainly is a matter that the CFPB MUST immediately examine and not sweep this under the rug which I have seen and experienced before as a lawyer. 
Dates : All of this occurred during the ten days commencing in or about XX/XX/XXXX to XX/XX/XXXX. I am filing this complaint on Friday XX/XX/XXXX.
Product: Debt collection

Account Name : XXXX XXXX Account # XXXX Current Creditor : Radius Global Solutions, LLC Radius Reference # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, XXXX  is aware and has proof in attachment labeled as exhibit A that, Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Fact, XXXX is aware and has proof in attachment labeled exhibit A that, Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that, Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that, Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account name XXXX, Account number XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I received a letter in the mail from US Bank thanking me for opening and checking and savings account. I do not bank with this bank. I have a freeze on my account and I dont know how a bank can have this happen. This is unacceptable
Product: Credit card

I made a purchase online through a store on XXXX XXXX, called XXXX XXXX, on XX/XX/year>. The purchase was for {$11.00} and I used my Discover Card for payment. I made a second purchase with a different financial institutions card from the same store. On XX/XX/year> both of the packages were out for delivery. Both went to different addresses, neither in my city or county, and I believe this to be part of a Package Redirection Scam. I attempted to contact the store and sent emails regarding the packages. They did not respond. I reviewed them on XXXX XXXX, so did other individuals, who stated they had the same issue. The next day the store on XXXX XXXX was closed. I believe this store was opened for a short period of time to defraud customers. I called both banks immediately to file disputes since I did not receive the items that I purchased. One bank investigated and refunded my money. Discover took my dispute over the phone, I provided them with receipts and tracking information to show I did not receive the package. They denied my dispute. When I called customer service and spoke with the dispute department, they told me the transaction was valid and they, nor XXXX ( the delivery service ) could refund my money because they are both third parties. The bank is always a third party when it comes to Reg Z or Reg E disputes, so that line of reasoning makes no sense. I asked for the dispute to be reopened and Discover once again reviewed the information and stated the transaction was valid, even though I did not receive the products purchased, which is a valid reason to file a dispute under Reg Z.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX had scheduled a payoff amount they took that with interest added plus a regular payment as well not to mention what they charged when getting the loan was outrageous. Called was h u ng up on transfered 5 times.Customer service a joke and just argued with me.
Product: Credit reporting

I have been the victim of ongoing ID theft and have several fraudulent inquires reporting on my Equifax credit report. I have sent Equifax a valid police report as well as other supporting documents. I would like for Equifax to please remove these fraud items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my updated credit report and found several errors which I believe are inaccurate and unverifiable. The account listed below affects my credit scores and cost me thousands of dollars a year. Please re-investigate the account identified as inaccurate. I look forward to seeing my information updated to reflect the appropriate changes. 

XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I made a payment of my Lowe 's card on XX/XX/XXXX, and had no issues with payment. I made my payment of XX/XX/XXXX, and on XX/XX/XXXX, I receive an email stating that my payment was past due. I logged into my account and looked to see if the payment did go through and it did. 

I called the number on the email and spoke with the representative and he told me that I paid my credit card too early and that the amount that I paid went towards the balance and doesn't count as a payment. I have never, ever, had any issues with any credit card that I have in regards to paying it early. 

XXXX XXXX has been playing games with the credit card by taking away the credit that they gave me, then raising the payment amount. I have never been late for a payment, but I guarantee that I am spreading the word about this issue. I have contacted Lowe 's and they stated they are sending it upwards. 

I am also spreading the word to Veterans groups that I belong to because this is not a way to do business. There are a large number of complaints with the XXXX in regards to this company, but they still have a high rating. I smell a rat!!
Product: Debt collection

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 XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws. 
Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Product: Mortgage

I was approved XXXX XXXX for a loan modification by XXXX, the investor of my loan and Bank of America is the servicer of the loan. I got a step rate and it was going to increase to 3 % in XXXX XXXX. Therefore, prior 3 months prior to that date, I contacted XXXX once again to ask that they extend my modification and keep me at 2 % interest rate for another 3 years. On XXXX XXXX, XXXX, I was approved for another modification, in writing, which was accepted and executed by me. At the time of the approval on XXXX XXXX, XXXX, XXXX XXXX informed me that I should continue making my normal payments at the 2 % interest rate. XXXX further informed me that Bank of America would take up to 8 weeks to send me the final modification documents. After 8 weeks, I called Bank of America and they confirmed with me verbally over the phone that my rate was at 2 % but when I would ask about the final modification documents, they acted as if they didnt know what I was talking about. I sent the modification to Bank of America 3 times and they still claimed they did not receive it. They even received it from XXXX and Bank of America is continuing to refuse to honor the modification. Bank of America is playing games with me I am so tired I have been dealing with this for months. Why is Bank of America not honoring the modification that the owner of the loan granted me and that I accepted. Now, because Bank of America is refusing to honor this modification, I am considered delinquent because they now changed the terms of my loan to the 3 % when in fact pursuant to the terms of the modification agreement I accepted XXXX XXXX, my rate of 2 % is extended until XXXX XXXX. Please I pray that you help me with getting Bank of America to honor the loan modification that was offered to me, God Bless You.
Product: Checking or savings account

XXXX issues with Wells Fargo overdraft fees, freezing acccount, closed account
Product: Student loan

I am now opting out of any and all authorization I may have giving you written, unwritten, verbal or non verbal. 
Please see the attached modified Promissory Note and update your records accordingly.
Product: Debt collection

Navient has called me several times a day for the last 3 months. I have spoken with one of  their representatives and let them know that I would get back to my regular payments as soon as I could. I told them that I recently had a child and it could be a while before I was no longer past due. They told me they would notate it on the account and then asked me how much I was going to pay today ... ... After that conversation I continued to receive multiple phone calls daily and now they are reaching out to my relatives and in-laws to get a hold of me. At this point I will not be paying them a dime. I will claim bankruptcy before I pay them!
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim.

I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX Account # XXXX Amount : {$0.00} XXXX Account # XXXX Amount : {$2900.00}
Product: Checking or savings account

I am a XXXX XXXX I came home after 6weeks of being on an assignment. I was going through my mail and I had letters from XXXX XXXX, XXXX XXXX, Bank of America all advising me of my status in attempts to open new accounts. I have NOT at anytime attempted to open accounts with ANY of these banks. XXXX XXXX  declined the attempt, XXXX XXXX bank required in person Identity due to the " Patriots act '' and Bank Of America opened the account and even sent a bank ATM card to my address with instructions for activation. There was a balance established in the amount of {$600.00} on the Bank of America account. It also sounded like paper checks were issued but that did not come to my mailbox like the ATM card did. I tried to contact them but they would not even talk to me unless I gave them my social security number. I am terrified that my credit is going to be damaged or impacted in a bad way. Someone is trying to steal my identity. My personal bank is XXXX XXXX XXXXXXXX XXXX. And I have contacted them. They told me about the federal trade commission. Please help me. I work too hard and have struggled to much to have some evil person rip it all out from under me with fraud and Identify theft. I attempted to upload documents but your site would not let me upload my documents. Thank you very much, XXXX XXXX.
Product: Credit card

I am dissatisfied with the current outcome of a dispute that was initiated with Discover Card regarding a single transaction that occurred on XXXX/XXXX/2015 in the amount of {$280.00}. I have corresponded with Discover Card at least four times since XXXX/XXXX/2015 ( which I have enclosed as an attachment to this complaint ). I believe that the credit card issuer has violated consumer protection laws by failing to implement the Special Rule for Credit Card Purchase protection despite overwhelming paperwork evidence submitted by me that shows the merchant has conducted business in bad faith less favorable to the consumer. I have sustained a monetary loss as a result of merchants bad faith and intent. I have patiently utilized the internal Discover Card dispute process over the past three months with the credit card issuer always favoring the merchant ; I have repeatedly submitted irrefutable paperwork evidence that has shown that the merchant has conducted business in bad faith. I have tried in good faith to address my complaint with the merchant and Discover Card but believe that I will not receive a favorable outcome.
Product: Credit card or prepaid card

This date, XX/XX/2018 regarding online access to the Cabela 's Visa Card account that has been purchased by cards. I was on the phone with a XXXX card representative and then his supervisor fo over 40 minutes today, trying to arrange online user name and password to my account to obtain charges made and statement thereto. 

I was informed that I could not do that unless I enrolled in ONLINE BANKING with them. 
I refused to give them that access and therefore their policy is I can not view my statements or charges online. 

I believe this to be illegal coercion and want to file a complaint against XXXX 's practices.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that the 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been sending advanced principal payments to my Carrington mortgage services LLC, which recently began servicing my mortgage. Carrington refuses to apply the funds to my principal balance in the period they were received.

I have discussed the curtailment of my payments with a Carrington CSR that informs me that the payments will not be applied to my account until the curtailment balance is equal to the full monthly payment amount. I explained that this policy results in the paying of interest on a principal balance that is overstated by the amount to the advanced principal payments. Paying interest on monies that have already been paid. 

I believe this violates my consumer rights and several mortgage regulations. Paying interest on the overstated balance amounts to an advanced principal payment penalty. Also, raises other questions such as the interest dollars charged are greater that is spelled out in the loan agreement is the TIL no longer accurate? What if a client stops making the advance principal payments without reaching the amount required by Carrington to actually apply the payment to my principal balance? Do the funds just sit in Carrington 's account? Am I earning interest on my money in curtailment? Is Carrington?

Carrington Mortgage must be compelled to change its procedure to comply with applicable laws and regulations. Carrington mortgage should apply all payments to a customer 's account in the period that it was received.