23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to formally escalate an issue regarding the misapplication of mortgage payments on the account associated with my late sons property. 

Since XX/XX/year>, I have repeatedly requested that all payments I make be consistently applied-directly to the mortgage balance rather than the principal. However, my requests have been primarily ignored or denied- I have had to repeatedly call and request to get payments reversed, despite my ongoing financial contributions to keep this loan current. Given that I am not legally responsible for this account but have been making payments in good faith, it is deeply concerning that Mr. Cooper is creating unnecessary barriers instead of facilitating proper payment application. 

Most recently, I contacted Mr. Cooper on XX/XX/XXXX and again on XX/XX/XXXX, reiterating my request as I noticed once again payments were being applied to principal. In response to my XX/XX/XXXX request, I was asked to provide proof of paymentsan unreasonable demand considering their institution already has direct records of the payments made. Even after I complied and submitted proof, I was informed that my documentation was not sufficient, and my request was denied. I asked to be enrolled in the biweekly payments program, and I was denied. I was told that when the account is not in default it could be, I told them the account wasnt in default a year ago when I requested it or months ago when I requested the same- and I said the account wouldnt show it was behind in payments, if they applied all payments to the mortgage and not principal. 

This pattern of obstruction is unacceptable. As a grieving parent striving to prevent this loan from defaulting, I expect cooperation, not resistance.
Product: Debt collection

Contacted the debit collection and they refuse to send a payoff letter. Give account number what is fake. Over 25 calls and 2 emails requesting the pay off letter and nothing. Refused to get paid and remove the collections from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft accounts were opened in my name fraudulently. 

- My current address ( copy of lease attached ) as of XX/XX/XXXX is : XXXX XXXX  XXXX XXXX XXXX, FL XXXX - Previous Address 6 months prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX - Previous Address for two years prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX I previously submitted a paper affidavit that was notarized and now I am including the official FTC Identity Theft Report filed with the report number. The following accounts are fraudulent and not mine. 

I have been the victim of identity theft the accounts were opened in my name and not done by me : 1 ) XXXX Acct # XXXX 2 ) XXXX XXXX Acct # XXXX 3 ) XXXX Acct # XXXX 4 ) XXXX Acct # XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX Acct # XXXX 7 ) XXXX Acct # XXXX 8 ) XXXX XXXX Acct # XXXX 9 ) XXXX XXXX Acct # XXXX 10 ) XXXX XXXX XXXX Acct # XXXX Please remove the following fraudulent inquiries not made by me : XXXX XXXX XXXX  XX/XX/XXXX XXXX   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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Highly personal information such as my social security number, birthdate, drivers license, was divulged without my consent, potentially compromising credit that I have been working very hard and responsibly to build, thus threatening any future plans I hope to make such as buying a house or paying for school.
Product: Credit reporting or other personal consumer reports

Please take my complaint seriously, there are information that are false and not the maximum possible accuracy that is being reported on my credit report. This errors are causing me extreme stress, affecting me unfavorably.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reporting to credit reporting companies This account isnt mine. There not able to provide proof of ownership. None of there information is correct. 
XXXX XXXX XXXX  is reporting a account charge off. Ive never had a XXXX XXXX XXXX  card This account appears been opened online none of information matches mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XXXX XXXX, I called Equifax credit reporting agency and informed them of inaccurate inquires, accounts, and collections, being reported on my consumer report. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. They were asked to validate the information they wrongfully furnished out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Bank Account # 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
Product: Debt collection

I am writing to request your help and notify multiple violations to the Free Credit Reporting Act. My rights as a consumer are being violated. I have an account with JP Morgan Chase Bank, account # XXXX, opened : XX/XX/XXXX, Limit : {$30.00}. This company is reporting a late payment on my account, committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting FALSE AND ERRONEOUS INFORMATION. 

Ive always been on top of my payments, that Is why is enrolled the 2 accounts in automatic payments. Chases website is not friendly at all. It was really difficult for me to set up the automatic payments for both account ; however, they only did it for one account. As proof that I had the money and that I was willing to pay, the other account ( XXXX, Date opened XX/XX/XXXX, Limit {$9000.00} ) is current without a single late. 

This was not a money issue. I did have the money to pay. They are being negligent and unfair with this. This is affecting me in a huge way, mentally and physically. 
They are also being unreasonable because I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL, as required by law. They are committing BREACH OF CONTRACT, these are two more violations to the FCRA and the list of violations is much longer once I sat down with my attorneys to talk about my awful experience with this company. 

I have a Pending mortgage for {$500000.00} because of this incorrect information being reported. I demand a deletion letter from JP Morgan Chase Bank as soon as possible so I can provide to my mortgage company and get approved with the interest that I deserve. If they refuse to provide letter of deletion letter through CFPB portal, I will not think twice to let this issue be decided by a judge in a law suit court. I am sure that it would be a trouble for Chases records taking this issue to a court. Thanks for reading my complaint. 

See Bank account attached from the time of the issue, as proof that I had enough funds to pay.
Product: Mortgage

I contacted TD Bank about a potential deferral on our mortgage on XX/XX/ via phone-I did not have to provide any written documentation-they said I should hear back in about 30 days. 

We got an official letter dated XX/XX/ which stated the same thing. 

I followed up with them for 3 months until they finally put the deferral in writing dated XX/XX/ XXXX XXXX 

My wife and I signed the paperwork and sent it back via the XXXX package provided. 

TD Bank received the package about XX/XX/XXXX and I continued to follow up with them about the actual processing of it which kept getting delayed. 

In about XXXX I requested a supervisor/customer advocate to get involved and found out the bank was having internal issues getting this finalized. 

This went on for another 3 months until they put new paperwork together XX/XX/. 

They will not process this until XX/XX/XXXX XXXX XXXX 

They have ruined my credit as this took 8 months instead of 1 and they never should have reported the amount past due.
Product: Credit reporting or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : 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: Debt collection

In XX/XX/XXXX, I signed a XXXX-year lease for a residential property in XXXX, Florida. This property was leased directly from the property owner. Shortly after, the owner turned the management of the property to XXXX XXXX XXXX. I ended the lease after 9 months because I purchased a home. Upon termination, I returned the property back to the management company according to the lease agreement. However, the management company charged me for things not required under the original lease agreement. These charges included professional carpet cleaning and professional house cleaning. I also provided photo evidence of the propertys post-move-out condition and disputed the charges. The management company refused to correct the charges. The total amount in dispute is {$850.00}. This account was eventually turned over to a collection company. The collection company is Southwest Recovery Services. Over the past 2 years, I have contacted the collection agency and disputed the charges with evidence to no avail. My last written correspondence was on XX/XX/XXXX. I have also disputed the charge directly with XXXX. This too was unsuccessful.
Product: Money transfer, virtual currency, or money service

Can not link my bank account to XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report. I already sent report to FTC with FTC report # XXXX. Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXXN XXXX XXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$590.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$150.00} ; MEDICAL XXXX Balance {$690.00} ; MEDICAL XXXX Balance {$3300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress+ for these violations.
Product: Credit reporting or other personal consumer reports

Experian failed to properly investigate my disputes for inaccuracies and late payments on my account. They also refused to provide me with the methods of verification used and the documentation supporting their findings during these investigations. Here is a list of the disputes that were not properly investigated and the dates that these items were disputed. 

XXXX  XXXX XXXX account XXXX ( disputed XX/XX/2023 for late payment inaccuracies and unverified debt ) XXXX XXXX accounts XXXX and XXXX ( disputed XX/XX/2023 ) XXXX  XXXX account XXXX ( disputed XX/XX/2023 ) multiple inaccuracies, late payments, unverified investigation XXXX XXXX XXXX account XXXX ( disputed XX/XX/2023, gave verification that this account was paid in full never late, experian refused to properly investigate ) XXXX  XXXX ( disputed XX/XX/2023, unverified debt that should be removed by experian upon a proper investigation ) XXXX account XXXX ( disputed XX/XX/2023, not properly investigated as creditor has this debt listed as paid in full never late ) XXXX account XXXX ( disputed XX/XX/2023, item is a duplicate on this report which causes significant damage to my account. Should be reporting as paid in full and never late but was never properly investigated by experian ) XXXX XXXX account XXXX ( disputed XX/XX/2023, no verification of debt furnished by experian, delete this account ) XXXX XXXX XXXX ( disputed XX/XX/2023, company has no documents that support that this debt exists ) Collections from accounts XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  have no contracts with the consumer. Debt is unverified and experian needs to remove or show valid verification.
Product: Credit reporting, credit repair services, 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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Acct # XXXX, Account name : XXXX XXXX Acct # 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 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: Credit card or prepaid card

I paid a chase credit card off with over {$6000.00} in charges, additional charges were applied after the pay off or a small unpaid portion was still due. A payment of {$100.00} on the lingering {$190.00} was made in XX/XX/2018 and a complete pay off was made the next billing cycle. I received an automated call from chase in mid XX/XX/XXXXsaying i had a 35 day late payment due in which i hung up and went on chase online banking to make sure the call was not fraudulentl as i thought the card was paid in full. I seen a past due amount and immediately paid the card and late fee in full. I figured the money would be refunded if an error were found but either way keeping my credit in good standing would be worth {$140.00}. I've been building my credit for about 16 years and have zero late payments. They reported this payment as late and that credit bureau listed me as having 288 total payments and 1 late payment being from Chase which brought my credit score down 96 points. I know that humans are not perfect nor is the internet or websites and I can not prove who is at fault and neither can chase. However, i am certain i attempted the 90 somthing dollar payoff which apparently did not go through and was " sure '' there was a {$0.00} balance. I reached out to chase several times in which they are unwilling to help. I think chase online banking was at fault and my credit history shows my seriousness to paying my bills on time.
Product: Student loan

I see multiple 90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit card

On XX/XX/year> i have received an XXXX credit monitoring alert stating that my Sam 's club credit card, issued by Synchrony Bank, has been CLOSED without my knowledge and AFTER MAKING FULL BALANCE PAYMENT. Never late on payments, never skipped payments. They closed a GOOD STANDING account based on TODAY 'S credit Inquiry which I DID NOT REQUEST, nor was I informed was being done.
Product: Debt collection

I have gotten several phone calls and letters in the mail & even had someone of the courts serve me at my home from a Moore Law Group stating that they are suing me in 30 days if I don't pay {$11000.00} that was owed to another company named XXXX XXXX Department Store with the account number XXXX. When I called the Moore Law Group to find out who they are and where this amount I owed of {$11000.00} came from they told me that, if I don't respond within 30 days then I would be taken to court to have my wages garnish. I do not have an account with XXXX XXXX nor have I ever received products, goods, services, or monies from XXXX 's or Moore Law Group. I have been a victim of Identity theft in the past. This may be a result of that but I don't know who stole my identity.
Product: Debt collection

I think someone drove behind me and was not paying attention. He put on brakes and almost touched my car. I think Portfolio Recovery was affiliated with his car insurance or an attorney. They are trying to make me responsible for something that didn't even happen. I don't know what this is about or why they keep putting this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax in writing on XX/XX/21 and XX/XX/21 to remove an unverifiable account that is currently being reported as a derogatory collection account in the amount of {$360.00}. Comments show Medical/Subject not satisfied. Name of creditor is listed as ( Original Creditor ) with account number showing as XXXX. As of today I still have not had any type of response from Equifax. I have copies of the letters sent along with the certified mail receipts from both letters. I want this account removed off of my credit.
Product: Credit reporting

About 2 years ago the bureaus dropped my credit score from about XXXX to the low XXXX claiming i opened too many lines of credit too quickly. However, Its been 2 years of on-time never late payments on all my accounts and my score is the same and refuse to recalculate it to account for this. Also there are XXXX judgments that are over 7 years old and need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My entire identity has been compromised due to equifax 's lax security. this has led to an inexcusable breach of my privacy and information. my entire life is now up for grabs which has the potential to ruin me.
Product: Credit card

I want to preface this with the fact that I have multiple credit cards, not because of poor debt management but to improve my credit score which is over XXXX. 

With that, I have multiple credit cards ( including other store credit cards like XXXX 's ) and they all allow me to make same-day payments. The Target credit card, however, makes it hard to make a same day payment. The Target credit card only accepts same-day payments before XXXX XXXX XXXX, and they otherwise charge a late payment fee even if paid on the due date. Other credit cards allow payments at any time on the due date and do not charge a late fee so long as it is made before midnight. I've paid on the due date in XXXX occasions in the last 6 months and on both occassions they have charged a late fee even when it is completed on the due date. 

The Target credit card should be able to offer the same options that their competitors, and in some cases smaller companies, do. It is unfair that XXXX can have this predatory practice that allows them to unjustly earn late fees because of their inability to process payments like most other credit card providers on the due date.
Product: Mortgage

Selene Finance is the servicer of my loan. Selene refused to properly complete a loan modification review for me prior to completing foreclosure of my property located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. My home was sold for substantially below fair market value and Selene XXXX have refused to rescind the foreclosure to complete my review as is required by the OCC Remedial Framework.