23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. Mortgage was purchased by RoundPoint on XX/XX/XXXX. I mailed a payment to the previous loan servicer on XX/XX/XXXX. When I spoke to RoundPoint, they stated payments made to the previous loan servicer would be transferred to RoundPoint and the date of payment posted to the account would be the date the previous loan servicer received the payment. 

RoundPoint posted the date of payment as XX/XX/XXXX. I spoke with them on the phone and was told to send documentation regarding the timing of my payment to XXXX, which I did on XX/XX/XXXX. I received an automated reply that they had received my email, but nothing more. 

2. Made my second payment directly to RoundPoint in the same manner I had been for the year and a half prior with the previous loan servicer. I utilized my bank 's bill pay service, which cut a check and mailed directly to RoundPoint on XX/XX/XXXX. The check was cashed on XX/XX/XXXX and the payment was not credited to my account until XX/XX/XXXX. 

I had auto bill payment set up with the previous loan servicer, with the same mail date of the XXXX of the month ( earlier if it landed on a holiday or weekend ) and the latest it posted to my account was the XXXX of the month, consistently. 

I called RoundPoint and was told by a representative that I needed to set up an ACH in order for the payment to be posted to my account sooner. When I asked why this exact same process worked for the last service provider and the payment was posted on the XXXX or XXXX of the month, I was simply told that I needed to set up an ACH. I also asked why the money was withdrawn from my account on the XXXX and still not posted until the XXXX, the RoundPoint customer service explained that was because the deposit was done by a computer on a Saturday and it wouldn't post until the next business day. I explained that I would be taking this further to the CFPB and she offered to set up a call with the internal consumer advocate team and they would call me by XX/XX/XXXX. I still have not received a call or VM. 

3. In addition, my homeowner 's insurance was not paid until I was notified that the bill was past due and called. RoundPoint did make the payment within a couple weeks of my request. 

4. Currently my property tax payment is also delinquent ( just found this out today by looking at the county records online ). RoundPoint stated that they will start the process to pay the XXXX taxes and all late fees, but it will take several weeks. They also stated that they do not have any record that taxes were owed in XXXX. 

It feels as if this company is severely understaffed and took on way more mortgages than their staff could handle, but won't admit to the problem and correct the errors along the way. Instead they turn it on the consumer as if the above stated issues are my problems.
Product: Student loan

I have {$100000.00} of loan debt via Sallie Mae/Navient, and XXXX  They continue to mislead me in regards to interest rates, I am the victim of high inflation rates, aggressive collection tactics, incorrect account balances, inaccurate payment allocation, uncooperative customer service, missing documents and records of phone conversations
Product: Debt collection

I am formally notifying your company that if the appropriate steps to rectify this situation are not completed within 10 days, I will be filing a complaint with the FTC. You are required by law to respond within 15 days. By not doing so, you are now in violation. Non-compliance can result in fines of up to {$1000.00}. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. 
I do not wish to file a complaint, but I will do what is necessary for maximum compliance. 
Please provide the detailed procedures for obtaining investigation results for XXXX XXXX XXXX within 10 days to avoid further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 EARNEST/XXXX XXXX XXXX has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH 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 those account 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  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 card

I purchased floors at the XXXX XXXX and got a 26 months promotional period with 0 interest. They use Synchrony Bank as their financial institution. However, soon after my purchase, they closed my account without any notice or reasonable reason since I was making payments on time. I had my account on auto debit from my bank account. Since my account was closed, I did not log into it and the payments kept on posting in my account. They sent me monthly emails with a reminder to make a payment, but never, not even once, they sent a reminder of my promotional period ending. Since it was on auto debit, I did not log in to make payments or check on the account. The promotional period ended and they charged me {$2000.00} for a {$3500.00} purchase. I called them asking to wave the interest charges and they refused to do so. Then I asked why the interest was so high since I was making payments and had only {$1500.00} left to pay. They said it was prorated charges. I asked if they took under consideration the payments that were made and the representative told me that that's how the math is done. They completely disregarded all the payments I had made. I even offered to make a payment of the full amount that was left to be paid if they could wave the interest charges and they refused to do so. Now, on top of the {$1500.00} I owed, they added {$2000.00} interest and are charging 29.9 % interest on top of it all which is about {$85.00} a month. It is abusive and they should be prohibited from operating in the US.
Product: Debt collection

the Creditor XXXX XXXX XXXX  XXXX XXXX Has been trying to collect {$3100.00}. from XXXX for unpaid rent for an apartment that my father had leased. My name is not on the renewal of the lease and I did not live there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an elderly, XXXX female and I signed up for a COVID19 related program with Bank of America. I was given the month to start to pay again so when I paid when the lady to me the pay they said my account was pass due bc the total amount was not paid. I explained that it was a misunderstanding and that I have never ever been late & that I pay more than minimum sometimes but it didnt matter. Anyone, can make an error, Im old but am a good customer and should not be punished for a misunderstanding. It was their error and their responsibility to notify me by email when the program was ending an payment would be due. Now that they corrected my account, they will not Correct my credit. My credit history speaks for itself & one misunderstanding shouldnt cause me to have bad credit. We are struggling and I notified them, I didnt just stop paying ... its a PANDEMIC! I would appreciate any assistance that you can give me.
Product: Bank account or service

I had XXXX accounts at TD Bank ( checking and savings ). I started working for " XXXX '' XXXX. To get paid I had to set up direct deposit so I gave them my information, card and account number. I started working XX/XX/2016 and by late XX/XX/XXXX I went to make a purchase and was informed that my account had no funds available. When I went to the bank to find out what was going on they showed checks that were deposited into my account that I did not recognize. They informed me that another checking account was opened via phone, I did not authorize this account to be opened nor any of those checks to be deposited. After this I went to the precinct to do a fraud report which I did. After that a detective went to the bank with me to proceed with the investigation. They asked me if i had any idea who would do this and I said that the only thing I can think of is that they may have taken my account information when I set up my direct deposit. They informed me that I 'd receive a letter in 10 days, which I did not. After two months of not hearing from anyone I went back to the bank and they informed me that the account had be closed and that I had to pay the money on the account because I gave my account information to someone. But I explained to them that that was given to the company to set up my direct deposit, not to open any additional accounts without my consent or to conduct fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX, Ga ) in XXXX. In XXXX I was informed to come in for a recall, they replaced the part on my car my car in XXXX. Since this time, I have been having constant issues with my engine burning oil irregular and causing my engine to stutter. Within this past year of XXXX XXXX, my car has been serviced over 6 occasions. I am part of XXXX XXXX XXXX against XXXX and their defective motors. The engine settlement claim denied my initial XXXX in claims of maintenance because of the issue not being one of their supported issues. 

Since XX/XX/XXXX, XXXX XXXX has had my car in their service shop without providing a solution to fixing my car. XXXX XXXX XXXX XXXX has serviced my XXXX XXXX XXXX for the same matter and keeps saying they cant figure out why my engine keeps stalling out on me. Ive been told by many mechanics that this is due to my faulty engine from XXXX ( A National issue ). Mechanics from XXXX XXXX  ( XXXX  XXXX XXXX XXXX, GA ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX ( XXXX XXXX XXXX, GA ) just to name a few shops within this past year alone. ( Georgia ) Ive been told by the Service Technician and Mechanics to let my engine die out and then Come back to XXXX with a claim for my engine locking up. Thats not fair to me as a customer.I need help disputing all charges for late payments since XXXX when these multiple charges for the same engine problem has affected my credit rating paying for car payments and multiple service visits at the same time. Along with rental car charges and inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive went over my credit report as i am trying to purchase a house and i have sent multiple disputes to this credit reporting agency, with whom are violating many consumer laws 15 U.S. Code 1681g - Disclosures to consumers, being one & also 15 usc 1681 ( a ) ( 4 )
Product: Credit card or prepaid card

opened a Wells Fargo account online and when you open online you dont get to set your pin they mail you one after they mail the card my mailbox was broken into and card and pin were stolen there were multiple transactions that were made using my card that were somehow reversed except for 2 atm withdrawals and and a cashapp transfer since I never received my card and pin I had no access to my online banking which the thief locked me out of and changed my address my phone number and email address XXXX transfer was credited back to account and stolen again and atm fraud claim were denied and now Im out of about {$2500.00} XXXX XXXXXXXX XXXX transfer and {$700.00} atm withdrawal XXXX XXXX {$700.00} atm withdrawal
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handlings of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and thats tracking these transactions was unfeasible. The CFPBs finding indicate thats Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams the lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

My son and I traveled with XXXX XXXX XXXXXXXX XXXX XXXXXXXX and we paid in full and usually they will hold your credit card for any charges if you buy something on the cruise. 
when we arrived on this cruise the following day I have noticed the there were {$17.00} per person charges for Crew Appreciation on our cruise account and we went to front desk and asked them to please remove those charges since we decided to tip the crew with cash and also front desk assured us that they will remove those charges. After couple of days on the cruise we have notice the charges was not removed and for each day they have charged us $ XXXX per person again so we decide to go back again to front desk to ask them to remove these charges and the front desk / customer service on the ship assured they will be removed. On final onboard account last day we asked again why the charges are still showing up on our cruise account the front desk for XXXX time assured us no worries there will be remove and released to our credit card company capitalOne credit card ending in # XXXX but it will take 14 days of the final onboard account. Well after we came home I have noticed they have charged us {$230.00} on my capitalOne credit card mastercard ending # XXXX then I have notified both companies XXXX XXXX customer service/ Guest Relations representative.they gave me a case # XXXX and of course i have notified capitalOne which we believe they were no help to us. At the end It is not mandatory to pay crew appreciation or tip but we decided to thank each crew tip with cash and also to thank them, I am disputing these charges on my capitalOne credit card ending in XXXX  XXXX also we have notified them both several times. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). This incorrect information includes wrong addresse that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. Inaccurate Information : 1. Wrong Addresses : - Incorrect Address # XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently address an ongoing issue regarding the collection accounts that remain on my credit report despite its settlement and for being unauthorized :
Product: Credit reporting or other personal consumer reports

XX/XX/year> I reach out to XXXX to change my address they have not done that. I sent them a copy of my ID and still have other addresses on file.
Product: Checking or savings account

I am experiencing a large loss of funds for unauthorized transactions on my Santander checking account. On XX/XX/2022 I used my debit card at XXXX for {$2.00}. On XX/XX/2022 My debit card and PIN were used at various ATM locations to complete multiple cash withdrawals until over {$4500.00} was stolen from my account. Thirteen transactions occurred back to back until Santander system noticed this very unusual suspicious activity which allowed said funds to be taken. I have no idea how this could happen or by whom because on XX/XX/2022 I was admitted to the hospital for a medical emergency. Please see attached. NOTE : I am hearing impaired and contact must be via email or relay service. I am XXXX yrs old and do not need the stress of this situation so I'd like to resolve it quickly as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IA XXXX REMOVAL OF LATE PAYMENTS OR DELETE THE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove XXXX  account away from my credit file and send me a updated credit report showing the deletion please and thank you XXXX-XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX  account could you tell me as to why youre reporting a balance on my credit report I dont owe your company anything. Please update the account to XXXX  balance or remove from my credit report please and thank you very much! 

View full complaint Sent to company STATUS Sent to company on XX/XX/2021 We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response I show we have sent a deletion request to Equifax credit bureau to have any and all collection reports deleted from Mr. XXXX credit bureau.
Product: Debt collection

re ; Moss Law Firm , P.C .     XXXX   XXXX   XXXX   XXXX   XXXX   (  XXXX  )  XXXX , Texas  XXXX .   letter unsigned.     My original debt was with a " business '' credit card issued by   XXXX   XXXX   XXXX  , later merged into "   XXXX   (   XXXX   XXXX  ),  XXXX   who later merged into   XXXX   XXXX  ..     Allen Adkins & Assoc  . (   XXXX   XXXX   XXXX  , evidently now " Moss Law Firm , P.C . ) filed a judgement against me for an original   XXXX   XXXX   XXXX   credit card balance of approx. {$12000.00} from   XX/XX/XXXX   whe n my business    "   XXXX   XXXX   '' closed, I was a personal co-signer for the mastercard. After fees & penalties & 22 % interest over years they ballooned a new debt into {$31000.00} and offered a settlement of {$9700.00} or " make offer '' letter to my attorney   XXXX   XXXX  ,  XXXX   XXXX , after he spoke with them. I accepted and " In The   XXXX    Judicial District C  ourt of    XXXX  County  Texas '' obtained a Non-Execution Agreement No.  XXXX , dated   XXXX  , which was paid in  XXXX  installments ending   XX/XX/XXXX   with check #  XXXX  and closed due to  XXXX   XXXX  debt relief and a  XXXX  tax credit for approx. {$10000.00} filed with my  XXXX  personal tax returns.   Moss Law Firm , P.C . has now sent me a new letter dated  XX/XX/XXXX  attempting to re-open  (? ) a nd threatening legal action for   XXXX   XXXX  .   This debt has been paid and closed.