23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I made a payment on my HELOC, and the mortgage processor received and recorded the full amount received, but has only applied the interest portion of the payment. They did not apply the principal amount paid. There are technical issues with their platform and I don't trust that they are properly processing payments. I have contacted customer support many times and have found that prior tickets that have been opened were closed without the issue being resolved. My loan continues to accrue interest for principal that I have already paid off. 

I don't trust Shellpoint Mortgage Servicing, and I would recommend any lender that is using them as their mortgage servicing provider to find a new provider. Your reputation is at risk.
Product: Debt collection

I am aware and have proof in attachment labeled as Exhibit A That Credit Collection Services violated 5 Federally Protected Consumer rights pursuant to 15 USC1692b, 1692b ( 2 ), 1692b ( 5 ), 1692c ( a ), and 1692d ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A company known as informative research based in XXXX XXXX California ( XXXX ). Pulled my credit four ( 4 ) times. Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I hired a company called XXXX XXXX which provided me templates to mail and dispute. These items. The responses I received requested more information as they claim to be a 3rd party. To date I havent been able to determine where these particular inquiries came from, or why they pulled my credit 4 times in 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA has not provided me with the legal documents I need to prove the validity of this account. I have asked them several times to provide a signed contract to prove this account is mine. The last certified letter went out on XX/XX/2021. Still waiting for a response. If the other responses to my inquiries are any indication, I will not get any validation for this alleged account. 

My reputation, credit report status, and future income opportunities have been permanently damaged because of this account! 
I can not get a car, house or credit card because of this mess. 
I am ready to go to court regarding this account if nothing happens at this point that would alleviant this situation!
Product: Credit reporting

I sent them the fileing of my chapter XXXX XXXX XXXX 2016 Equifax has been notified by the courts my attorneys office and myself and they still do n't have it on my credit report in which is ruining my credit all together my credit report was XXXX now it 's in the XXXX s please help me they are not doing there jobs correctly and I am getting ruined XXXX and XXXX are reporting perfectly ... ..
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for my account at XXXX XXXX XXXX XXXX XXXX  Pursuant to FDCPA " Late payments must be verified/ validated prior to them being placed on your report '' so Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open accounts issue. Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$4.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$210.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance {$10.00} XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$220.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance {$440.00} XXXX XXXX  Opened XXXX XXXX XXXX Balance {$16000.00}.
Product: Debt collection

I keep receiving emails from Sunrise Credit Services Inc. to pay an alleged debt violating my consumer rights pursuant to federal law 15 usc 1692b ( 2 ).
Product: Checking or savings account

I previously filed a complaint about Webster Bank and what I feel are their use of totally unethical and unscrupulous practices and tactics that take advantage of unsuspecting customers. Id like your agency to be aware that I was charged a fee without being notified or receiving any explanations or justifications whatsoever why I was charged a fee. After contacting your firm Webster Bank claimed that this fee was because I am receiving paper statements, yet Ive searched my online bank account portal and there are no options available to switch from paper statements to statements by email. How are these charges right or fair when customers are not permitted or afforded the ability to change how to receive their monthly bank statements? I am not happy that the agency that is responsible for making sure that banks are operating in compliance or in accordance with the rules and regulations are not actively engaged in investigating customer complaints about fraud. I honestly expected that your agency would find wrongdoing and either issue violations or some sort of enforcement actions for there inappropriate conduct. It is extremely frustrating and aggravating that your agency does absolutely nothing but close continually customer complaints. When is your agency going to do what is morally and ethically right or correct? How many times must a customer bring to your attention that they feel there banks are operating outside of the law and taking advantage of unsuspecting customers with there bad faith and illegal actions and practices that I feel rip off and defraud customers that are struggling financially? I am taking my complaint to Eyewitness News and I hope that your agency receives the negative attention that I feel you rightly deserve because I feel strongly that all you continue to do is for cover up the inappropriate behavior committed by banks.
Product: Debt collection

Hello I took my XXXX old XXXXn to the emergency room, he had a really bad XXXX XXXX they did a can scan, I give the hospital my insurance car he had medical. First I got a bill saying that everything was pay off, but a month after they send another one that was in collections already I was confused so I call the hospital directly, they told me the reason was cause that bill was for the room, I was ok but you guys are sending to collection no notice no nothing just cause the hospital and them could not communicate whit each other I did Told her that was really unfair of them, I give her my insurance information a week later I got a letter that was pay off.I call ccs and told them what was going on the girl that answer say to me thank you and Hang up on me, whit the biggest attitude.I waited I keep getting calls I call them again they did not want to hear it I told the girl again I told her I will send you guys a copy the bill that is payoff I she ok whit a attitude and hang up on me again.I send them all they need to take me out their list I always take care of my bills and my credit I need help please this already pay off I have all the copies credit consulting services , Inc
Product: Debt collection

On XX/XX/XXXXI took a phone call from a debt collection representative at Synchrony Bank for an Amazon XXXX Store Card. The debt collector informed me that he was calling regarding my debt and that my account was still ACTIVE and OPEN and if I paid the past due amount, then I would be able to use available credit line that was on the card.
I informed the rep that the account had been closed in XXXX 2016. He said that was not true, that the account was OPEN and ACTIVE and that the past due amount needed to be caught up.
Over the course of the call, the collections rep repeatedly lied about the status of my account in an effort to coerce me into paying the past due amount.
According to the FTC regarding Debt Collection, Debt Collectors may not make false statements when they are trying to collect a debt.
The representative that called me on XX/XX/XXXXencouraged me to go to the Synchrony Bank website, log into my account, confirm that the account is open and make that payment there.
I checked my account on line and it is closed. I 've also confirmed what I already knew with a Synchrony Bank representative on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. 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.

1. Validate Account XXXX XXXX XXXX  Account Number : XXXX I don't have knowledge on this account. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately 2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX I don't have knowledge on this account. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately 3. Validate Account XXXX XXXX Account Number : XXXX I don't have knowledge on this account and it's not reporting with other Bureaus. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately 4. This address is not mine. I never lived here. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 5. This address is not mine. I never lived here. 
XXXX XXXX XXXX # XXXX XXXX, NY XXXX XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX
Product: Debt collection

on XX/XX/20 i started a fraud investigation with both parties involved Allied collection Services and XXXX due a collection account on my credit report from Allied collection services ACSI on behalf of XXXX for {$6100.00}. On XX/XX/20 XXXX the oringal debtor advised Allied to show balance as XXXX balanace due to the account was found to be fraud and open without my authorization. I have opened a identity theft case with my local police. I then called Allied twice on XX/XX/20 for status of this account, they advised account does show XXXX balance. I asked to have them remove derogatory marks and collections off my credit report due to fraud and identity theft, and that because of the collection activity on my account it has hurt my credit score. I was told by the first representative at Allied i had to contact XXXX in order to have status changed or have credit report updated for removal. I called XXXX on XX/XX/20 and was told they did notify Allied to make account XXXX balance but it's up to the agency to remove themselves from my report due to they are the ones on my report not XXXX. Second representative i spoke to at Allied on XX/XX/20 stated I would need to show proof that by having Allied on my credit reprt it's causing my credit score to be affected. I advised both representatives that since the account is now at XXXX balance I no longer owe anyone and for that reason alone they should remove the collections and negative marks from my credit reports but both representatives didn't acknowledge this information as true nor did they advise me of my rights in this case as a consumer affected by fraud. Nor did they advise me of their standards and procedures they must follow in this situation. I was basically told nothing nor given any further information, and no agreement of removal was told to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXXXXXX XXXX XXXX Balance : {$630.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX Complaint Print XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION - 1st Round Identity Theft Letters XXXX ( XXXX MB ) XXXX XXXX XXXX XXXX - XXXX - 1st Round Identity Theft Letters XXXX ( XXXX MB ) XXXX XXXX XXXX XXXX - XXXX - 1st Round Identity Theft Letters XXXX XXXX XXXX MB ) XXXX XXXX XXXX XXXX - SWEEP LETTER FOR CFPB  - XXXX ( XXXX KB ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

IQ Data has repeatedly contacted me about alleged damages from my time at XXXX at XXXX Apartments, stating that I owe damages from last year. I have sent them a copy of the relevant portion of the Arizona Landlord Tenant Act, which states that the debt is not valid because the apartments did not send the itemized list of alleged damages within fourteen business days of my move out date, yet IQ Data claims that law doesn't apply, and they have threatened to ruin my credit if I don't pay this debt which state law says I don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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 It has been XXXX days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

i have fradulent and inconsistent information on my credit reports on all 3 credit bureau Transunion ( 3 ) Hard inquiries XXXXXXXX XXXX XXXXXXXX on XX/XX/2023 XXXXXXXX XXXX XXXX on XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 Transunion XXXX XXXX XXXX XXXX {$480.00} i have no knowledge of these accounts are they were fradulently opened and unauthorized. 

XXXX Hard inquiries XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$5000.00} XXXX XXXX {$1400.00} no knowledge of these accounts, collections and inquiries, all fraudulently done i have disputed all these with the bureau
Product: Mortgage

After 3+ years of walking into key bank every month to make my payment & waiting 10- 20 minutes EVERY single time to make my payment which by the way includes extra principal. The wait is because key team members at every level teller, mgr, executive office can not locate their own loan. I was told by the branch mgr at the XXXX office that the wait is my fault & I 'm doing it incorrectly the payment is intended to be mailed. This occurred in XXXX. In XXXX 2017 I sent my payment via billpay to keybank the check was rec 'd & deposited on the XXXX it was sent on the XXXX. but never credited to my acct. I phoned the number on my invoice 3 times once to est. where to send XXXX ck & twice to verify receipt of my cancelled ck & deposit to an acct at Key, but not MY acct. After no resolve, I contacted the exec. offices at key spoke with & emailed XXXX XXXX & he refused on XXXX to acknowledge receipt of my info. Again he refused because he could n't find my loan or info JUST LIKE EVERY OTHER TELLER I 've ever worked with. I am VERY CONCERNED about the security, & integrity at key bank. The obvious inefficiencies of their system not to be able to locate their own loan & cause so much XXXX to a customer regarding very simple info ; " Did you receive the payment? '' I really hope others do not have to go through this terrible experience which at this point involves over 2 hours on the phones with key team members, contacting my own bank for verification, & STILL has not even been acknowledged with a simple yes, we 've rec 'd, no we have n't. It 's beyond ironic that key claims to assist woman XXXX & in my 30+ years of business this is clearly the worst experience to date.
Product: Checking or savings account

Again, Bank of America is charging me an overdraft fee but clearly on my checking account activity log ( which I will attach a copy of ) my account did not go negative until my overdraft fee. This seems to be a problem with Bank of America. I do not see how they can charge overdraft fees when my account does not show a negative balance. I feel that this banks system of doing things needs to be investigated.