23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I made XXXX payments to Shellpoint Mortgage. The first payment was made in the beginning of XXXX of {$400.00}. The second payment was made on XX/XX/XXXX through bill pay from my bank. The payment amount for the XXXX payment was {$630.00}. I was charged a late payment. The representative XXXX explained to me, the company does have a biweekly. The biweekly payments are only on certain days. Which is unacceptable!! The representative had to correct my payment, but the couldn't change the late payment. The payment was made within the grace period.
Product: Checking or savings account

On XX/XX/XXXX, I went to use my debit card and it said insufficient funds. Went home, looked at my account and XX/XX/XXXX there was a withdrawal of {$1400.00} which was not me. After speaking to a few people at capital one Monday afternoon, I find out that the money was taken out from a XXXX branch and I live in XXXX. Apparently, the woman swiped her drivers license. Her name is also XXXX XXXX but her license was issued in New Jersey and they gave her my money. The bank is aware of this. They have closed all my accounts. I cant get to any of my money. I called back on XX/XX/XXXX because I still dont see my money but I see a new account set up and I cant get into that one either. At this point, I am told its gon na take 3 to 5 days. Well, it already took five days and now theyre making me wait more. I am a senior citizen and I need my money. I would appreciate any help that you can give me. 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Debt collection

credit collection agency Advance Bureau of Collection has caused a collection to appear on my credit report for no reason, i did not receive any correspondence, letters or calls from this company before this happened. i was notified of this collection on my report by a ID theft monitoring company XXXX which monitors changes to my credit report. The company that submitted this collection action on my report is Advance Bureau of Collection XXXX XXXX XXXX XXXX GA XXXX. I asked the my telephone call to remove it immediately but they said it would not be done at this time and not for 3 months or more. This company stated that a computer error caused the collection to be placed on my XXXX report in error. I talked to XXXX XXXX and a lady named XXXX XXXX to get assistance and they were not willing to write me a letter statement of error or provide me any other paperwork stating it was their error. this company should not be allowed to tarnish my credit score which was XXXX to XXXX before this company took action against me.
Product: Credit card or prepaid card

All of my accounts were closed due to a mistake that Chase made. I received 0 email, phone, text, or message center notifications that my cards were about to be closed. When I tried to reinstate the cards I was told that I needed to go to my nearest branch to fill out a form. I drove 5 hours round trip to fill out my XXXX and they then told me there was still nothing they could do. I now have no way to pay for anything and I lost my credit card bonus. I was told to wait 30 days and then apply for a new card. I have put 11 hours into resolving the situation so far and I have made absolutely no progress towards a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has tried to maligned my name and reputation in the hopes that it will dent my credit score and make not credit worthy. 
XXXX is a XXXX company, For XXXX XXXX years, I was with them, the XXXX XXXX XXXX never had any problems with me and all the overages, high interest rates that I paid for their vehicles. All was well throughput those 9 years. Once I was tired of the disrespect and XXXX abuse, they have chosen to lie about me and my reputation. 
In 9 years ( XXXX to XXXX ). I humbly subjected myself to their lies. 

Now credit card companies are all denying me credit and claiming that I defaulted on a loan. Even during the XXXX Recession and global meltdown that impacted all facets of credit life. I chose to pay all my loans when I could have justifiably filed for bankruptcy. XXXX XXXX and XXXX XXXX  can attest to these facts that I paid all my loans. 

This is my last recourse because XXXX XXXX XXXX is trying to silence me, perhaps as they have similarly done to other XXXX people. 
I pray to XXXX that they do not succeed this time. Overtime the truth will come out about how XXXX XXXX XXXX XXXX has been to many of us.
Product: Debt collection

Midland funding collection agency is reporting debts on my credit report that are too old to report. They changed the opened dates to recent dates which is not truthful.
Product: Mortgage

The XXXX payment was paid on time. However, the XXXX XXXX XXXX  portion of the payment was shorted to pay escrows. This is a Reg Z violation. I have not been told or provided an accounting of why this occurred. 

The leftover money was placed in unapplied funds and not credited to pay my XXXX XXXX XXXX. This was not known to me until the XXXX of XXXX when the truist informed me they would report me to the credit agency for being late. 

The company reps ' inability to explain why the XXXX XXXX XXXX was removed to pay escrows and not the XXXX XXXX XXXX has left me perplexed. I was told to pay {$1600.00} immediately to avoid payment default. I did so, and then the next day, I was asked for another {$400.00} payment, which I made. All this so I would not be called late on my mortgage. Please account for all this money and explain why no proof was provided when I requested documents. 

Not once were any request for doucumentation provided from turist. Emails were trippled verified, spam and junk filters were checked and nothing provided. 

I am requesting a full accounting of the money I have paid to Truist. I want to understand why my Reg Z rights were violated, leading to the removal of XXXX XXXX XXXX to pay escrows. I also want to know why my leftover funds were placed in unapplied funds instead of being used to pay the principal. 

The entire escrow situation created by Truist has led to this predicament. Truist 's actions have resulted in violations of TILA Reg Z, which is a serious matter. 

I make my payments on time and prove to you that I do in my pay history ; I sent {$2000.00} to pay for things that the truist team could not prove or describe. You unapplied my funds and placed me over a barrel to hold me in a payment default situation. Yet you won't tell me what I am paying for or why you placed me in this situation. I feel misled and I urge you to restore my trust in your institution. 

I had no choice but to blindly send money or face negative consequences. Please justify the TILA violations a resonable part of your business practices. You have harmed a good client, I am they type payer you want, you should not treat people who pay so terribly poorly. I feel unfairly treated and I urge you to rectify this situation. 

Please justify your actions. I still do not know what you want for XXXX payment due in two days. Please, Please Please communicate what it is I owe. You can at the veru least do that for someone who pays bills.
Product: Checking or savings account

Undisputed amount billed between XXXX XXXX and I for enrollment and last month membership fees. Errors in billing generated retroactive payments made to XXXX XXXX that weren't originally billed, i.e. past billing statements for checking account were stolen and replaced. Vendor was immediately contacted and brought forward financial documents in support of our agreement, contradicting what the bank had installed. Ongoing fraudulent activity is still not discussed and this is just another activity in which the bank is not quickly resolving the issue but forces me to participate in order to correct my financial accounts. I suspect other similar activity and have experienced other similar activity in the past.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX Account # XXXX. ** Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account was refinanced and should reflect a history of timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages. 
Discrepancies in Payment History TransUnion : Shows incorrect XXXX late payment statuses in XXXX and XX/XX/year>. My records indicate that payments were made on time. 
XXXX and XXXX : No late payments reported ; however, the errors in XXXX reporting affect my creditworthiness across all bureaus. 
Requested Resolution I request that TransUnion conduct a thorough investigation into this matter and remove any inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Im a XXXX and a XXXX essential worker. Due to XXXX complications I ended up not being in the physical state to make a payment. I had more than enough funds to pay. My partner also called at the time to try to make a payment on my behalf but Capital One would not talk to him Ive see Capital One has removed late payments for other essential workers and I was hoping the same could be done for me. 

Please see attached my XXXX ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

DeptedXXXX DeptedXXXX  DeptedXXXXXXXX, DeptedXXXX  DeptedXXXX  DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXX  DeptedXXXX  DeptedXXXX DeptedXXXX DeptedXXXX In accordance with Fair Credit Reporting act XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters to XXXX, XXXX and Transunion regarding unauthorized inquiries on my credit report negatively affecting my profile. I also requested my address to be updated reflecting my current address only and deleting all addresses reporting that I am not associated with. As of XX/XX/XXXX I have yet to receive a response.
Product: Bank account or service

This is a second complaint about Bank of America 's business practices, designed as they claim " to protect me, my account, and themselves ''. XXXX deposits totaling {$4000.00} were placed on a 10-day hold, {$2000.00} on XXXX and {$2000.00} on XXXX. These holds have resulted in a returned payment to XXXX XXXX, and has caused my credit card account to be suspended until the payment goes through, which means that I am unable to use my primary credit card. I have also been charged a fee by Bank of America in association with the returned payment. 

I 've been on the phone with Bank of America 4 times today totaling 2 hours. All reps I 've spoken to say that nothing can be done about these holds since they ca n't verify the funds with the other bank. I know this to be false because I 've dealt with this exact issue multiple times before with Bank of America, and on each previous occasion holds have been released. The payer has verified that funds have cleared from his account. Another deposit from the same payer, with a check from the same account, made after these XXXX deposits, has already posted to my account. Reps have insisted that removing the hold is impossible, and have refused to escalate my issue to a higher department, claiming that there is nobody else that they can escalate this to. I know this to be false as well ; when I dealt with this issue in XXXX 2015 I had been in touch with an individual in executive management, whose phone number was given to me and who called me back after I had left a voicemail. 

I have been lied to and stonewalled, and Bank of America 's actions are causing me financial hardship.
Product: Credit reporting or other personal consumer reports

I demand DELETE and or BLOCK According to law that you immediately provide the following information regarding your verification of these accounts The precise method used to verify the accounts. A copy of the original documentation relied upon. The name, title, and contact information of the individual or entity that conducted the verification. pursuant to the Identity Theft and Assumption Deterrence Act ( 18 U.S. Code 1028 ), and under Section 605B of the FCRA ( 15 U.S. Code 1681c-2 ), you are obligated to block and remove information resulting from identity theft. Furthermore, Section 611 ( a ) ( 7 ) of the FCRA ( 15 U.S. Code 1681i ) mandates that you provide detailed documentation of the verification process. To date, you have failed to meet these requirements DELETE OR BLOCK ACCORINGLY Inquiry Unauthorized Prepared Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX I spoke to the creditor because it was a closed account that showed a ballance so I made a deal with them to pay a lower amount and they would except it and call it closed and showed a XXXX balance. I paid the money and got a letter that said it's paid and it showed correctly for 2 months on my credit report and then for XX/XX/year> it showed as being a closed account but it said I had a 30 day late payment of XXXX dollars of the balance that they said would be expunged. I have a letter that says it's paid as per our agreement so I called the credit company and they said they didn't report it and they can't do anything about it. This brought my credit score down XXXX points in XXXX swoop. I did the right thing and now they need to do the right thing and take it off my report!
Product: Mortgage

Hello, It has come to my attention that Nationstar sent an unsolicited payment of {$1800.00} to XXXX County Treasurer for property taxes. As clearly shown in the attached escrow statement prepared by Nationstar in XXXX 2015, only hazard insurance is being collected in escrow. Furthermore, attached are the property tax bills that were addressed directly to me, and not Nationstar. This error has caused duplicate payments to the XXXX County as I made a payment to them directly since it is not part of the Nationstar escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Mortgage

Green Tree financing has had an equity line of credit on my property in Ohio. In XXXX XXXX, they bought the primary mortgage from XXXX. Green Tree doubled the payment on the equity loan in XXXX XXXX. I filed for loan modifications on both loans, the equity interest rate was dropped, but the primary loan was offered to extend back out to a 30 year mortgage at 6.875 %. I did not take this and asked for the amount to bring the mortgage current. I did a pay by phone payment on XXXX XXXX XXXX for {$4600.00}. This was to bring the mortgage current through XXXX XXXX. 

Green Tree did not credit the amounts to the account. I have made several calls to clear up the matter, but am being told that they have no record of a {$4600.00} amount. I was told I did n't send in a XXXX payment, but when I produced a receipt, they asked for a couple of weeks to clear their records. Green Tree also said I would continue to accumulate late fees and I should be fine to pay them. 

I did get letters dated XXXX stating that both loans were in good standing and were current. Today I received a loan modification packet stating I am 30 days past due. 

During one of the conversations, XXXX from Green Tree said " I needed to understand that her investors did n't care about the equity loan and just wanted to foreclose on the property because they could make money ''. 

I would refinance to get away from Green Tree, but the value of the home is still less than the combined mortgages.
Product: Debt collection

I disputed an collection account with XXXX  2 months ago for an account that is not mines and they failed to investigate and delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have submitted documentation including FTC identity theft form, police report and written dispute in reference to a fraudulent XXXX XXXX  account reporting on my credit file. Every dispute has resulted in Experian and XXXX  responding the account was verified. However, on XX/XX/2020, I submitted a complaint to XXXX XXXX  in reference to the fraudulent account and attached the same documents I have previously submitted to both bureaus above. XXXX responded that my dispute was the first time they were notified this was a fraudulent account. How could this be????? I have submitted the same documents to the bureaus above and they claim, the account was verified?! This is ridiculous that Experian and XXXX  and blatantly not investigating fraudulent accounts and further intensifying the effects of identity theft on consumers! Now, I have to wait another 90 days for XXXX to investigate before they will be able to dismiss this debt as fraudulent. As of now, this fraudulent account is continuing to cause undue damage my credit profile as a result of the above credit bureaus not verifying, validating and accurately disputing this debt with the creditor! I am in the process of filing formal complaints with the XXXX XXXX XXXX, CEO 's of both bureaus and Attorney General as well until this erroneous deed is rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

National Credit Adjusters or whatever name they claim to be now, leaves a voicemail. Im deaf so I read the transcript. They dont tell me what its about. From what Ive read online about these XXXX XXXX is that they contact you and anyone they think you know. A couple relatives have gotten strange phone calls and Im guessing its them. So, Im putting this in writing now ... 

It is NOT okay to contact me. It is NOT okay to contact anyone else about me. I dont even know what you think I owe you. Send me a letter if you have to, but DO NOT ever call me again!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted confirmation of payment on accounts listed unpaid on my credit to XXXX, XXXX and Experian SEVERAL times. After several attempts they will not update my credit reports correctly even AFTER submitting documentation from the creditors. Creditors:XXXX XXXX/XXXX- paid in full XX/XX/2018XXXX XXXX XXXX- settled and paid  on XX/XX/2018XXXX XXXX-settled and paid on XX/XX/2018XXXXThese accounts have been and I no longer owe them. Please make these companies update correctly. I have submitted documentation SEVERAL times.
Product: Debt collection

Company called work phone number ; left a message that they were attempting to contact me before arrest warrant is issued on a debt that they contacted me about ; I do n't owe any payday company any money ; within XXXX minutes they also called my cell phone same message left with a callback number of XXXX