23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I made my XXXX mortgage payment of {$850.00} with XXXX mortgage Loan # XXXX automatic payment on XX/XX/XXXX. I made my XXXX mortgage of {$850.00} with XXXX payment by phone on XX/XX/XXXX. The loan was moved to Citizens Bank on XX/XX/XXXX. 
My new mortgage account # XXXX showed that XX/XX/XXXX payment of {$850.00} as missing. I made my XXXX mortgage payment of {$850.00} on XX/XX/XXXX with Citizens Bank. 
I recently found out by calling XXXX mortgage and speaking to XXXX ID XXXX that the XXXX representative that took my XX/XX/XXXX payment of {$850.00} made an error applying my XXXX payment to principal only not regular payment. This phone call had Citizens bank supervisor XXXX XXXX on the call along with XXXX Customer Service rep XXXX ID XXXX. XXXX XXXX contact info is XXXX and her direct number is XXXX XXXX XXXX. 
I have made numerous phone calls to Citizens Bank mortgage customer service to correct this matter and no action has been applied. Their response is we only see your last payment on XX/XX/XXXX. I was on a joint phone call on XX/XX/XXXX with XXXX XXXX supervisor of Citizens Bank home mortgage and XXXX mortgage representative XXXX ID XXXX and they apologized for the error and promised this will be corrected ASAP. I called today XX/XX/XXXX at XXXX mortgage and they told me it can't be corrected and that Citizens Bank needs to correct this. So I am getting a lot of mis information and no corrective action for this error.
Product: Credit reporting or other personal consumer reports

I hereby formally request the expeditious removal of inaccurate and unauthorized information linked to identity theft from my credit report, in accordance with the Federal Trade Commission 's identity theft laws, which mandate removal within a four-day timeframe. Additionally, I request the prompt updating of my personal information. 

Account : XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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. 


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 XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX 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.

( CREDITOR NAME ) 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: Mortgage

My sister and niece are buying my home and it took a month to get a closing date. The day before it was postponed 2 weeks. Four days before that date it was postponed again. Loan officer has been contacted multiple times to confirm most recent date, but has not responded.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX RE : XXXX ( Loan Modification ) To Whom it may concern, I am contacting you today to explain the circumstances which have caused me to become delinquent on my mortgage payments. Although I have done everything possible to improve on my financial situation, Im short on the money owed to you. I would greatly appreciate the opportunity to obtain a loan modification. 

The main reason I have become delinquent in my mortgage payments is ( my son is in the hospital due to having uncontrollable XXXX and so many decisions had to be made and I have no family in the state Im by myself and my daughter is in college and money had to Be paid along with treatment payments for my son. I been working like a long and I also fell ill with my XXXX I was not put myself at the top of the list but then I had to because if Im sick nothing would get done ). Since i do not have enough income to pay to catch up with the passed due I would be grateful if the lender would give me another chance to save my home it was hard with covid and everything else that followed behind that. I truly want to pay what is owed, but at this time do not know how to accomplish this. Therefore, we are turning to you for assistance. I am in a place now the I would be on time in making my payments from here moving forward. 

We are asking for consideration to modify my loan to safe my house. Doing so, would help me get back on track. Our home means a great deal to me and my children and I desire to work hard to keep it out of foreclosure. Please advise me of all options available to stop foreclosure at your earliest convenience. I am so anxious to reach an agreement and appreciate your prompt response. 

Respectfully yours, XXXX XXXX. Borrower Loan # XXXX Address : XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX XXXX
Product: Bank account or service

I opened a bank account and deposited {$15000.00} with chase ( XXXX XXXX ) in XX/XX/XXXX. I withdrew the money in XX/XX/XXXX when, the bank associate did no disclose there would be a XXXX/month service fee. 
I checked my account on XX/XX/2017 and found that I have been charged XXXX for {$200.00} balance and there will be additional XXXX charge. 
Although I called to close my account on XX/XX/2017, the charges are not refundable.
Product: Mortgage

In or around XX/XX/year> my loan servicer was changed from XXXX to Newrez. At this time, XXXX believed that I did not have insurance on the property and had charged me {$1300.00} for insurance. It is important to note that at no time has this property been without insurance. This fact was eventually corrected with XXXX. However, during this time the loan had been sold to Newrez.

Newrez added the {$1300.00} as an escrow balance and is trying to force me to pay this amount despite the fact that I do not owe it. 

I notified Newrez that this balance was in error using the appropriate error process as described by Newrez. Their response was for me to get the money refunded from XXXX and then pay it to Newrez. 

I do not believe that this is my responsibility and have notified them that they continue to be in error and need to correct it. They continue to try and extort this money from me by applying part of my regular payment to the escrow balance and then charging me a late fee for not paying in full including the amount for the escrow that I do not owe. 

I need this resolved before I am forced to engage a lawyer to correct the problem that Newrez seems unwilling to correct.
Product: Credit reporting or other personal consumer reports

15 u.s.c 1681s-2, the statue of limitations has been extended because a charge off was reported month after month on this account. My credit file states that I been having charge off reported on the same account since XX/XX/2022.
Product: Debt collection

Transworld Systems does not have a license to collect on a debt in the state of SC and needs to be removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Once you have finished your investigations, send me an updated credit report to the address stated above. 

Thank you.
Product: Mortgage

I have applied for a Hardship Loan Modification to reduce my Loan Rate from 7 % to 3-4 %. Why is Select Portfolio Servicing and XXXX XXXX are intentionally violating the Law by NOT reducing the Loan Rate from 7 % to 3-4 %? 

I write a Complaint, and the Complaint is not giving me the Mortgage Code Statutes supporting this FRAUD of a Predatory Loan. 

2 Questions : Where is the Code Statutes SPS and XXXX XXXX are using to support their 7 % Predatory Loan Rate of 7 %?? 

Why is the 7 % Rate NOT being reduced to 3-4 %????.
Product: Checking or savings account

In early XXXX, XXXX, we had two outgoing checks stolen from our mailbox. Our account is at XXXX Bank. Both checks were altered in amount and payee. One check was deposited in a temporary ( fraudulent ) account ) at another XXXX branch. XXXX promptly refunded our money within a couple of weeks. The other check ( # XXXX, XX/XX/XXXX, payee changed to " XXXX XXXX '' ) was deposited at a Wells Fargo branch, and funds transferred from our XXXX account. My bank assistant manager has been in contact with Wells Fargo at least monthly since XXXX, XXXX when we discovered the problem, and each time, she has been told that it is " being investigated '' - there has been no progress, and no indication on when we can expect an outcome. The issue was escalated to the XXXX " problems resolution '' office a few months ago. Two weeks ago, we received a formal communication from XXXX bank, informing us that if Wells Fargo does not respond in another 90 days, our complaint will be " closed '' and our funds lost. Our local XXXX bank branch, and our local police department tell me that there was a rash of mailbox thefts last year. 
CHECK WAS DEPOSITED TO WELLS FARGO ACCT # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX ACCOUNT # XXXX {$360.00} XXXX XXXX_ ACCOUNT # XXXX {$360.00} XXXX XXXX_ ACCOUNT # XXXX {$1000.00} XXXX XXXX XXXX _ ACCOUNT # XXXX {$12000.00} XXXX XXXX ACCOUNT # XXXX {$940.00} XXXX  XXXX XXXX XXXX_ ACCOUNT XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX_ ACCOUNT # XXXX {$740.00} XXXX XXXX XXXX _ ACCOUNT # XXXX {$1100.00} XXXX XXXX  XXXX  _ ACCOUNT # XXXX XXXX XXXX XXXX  _ ACCOUNT # XXXX {$1100.00} XXXX  XXXX  XXXX  _ACCOUNT # {$570.00} XXXX XXXX XXXX ACCOUNT # {$2100.00} XXXX  XXXX _ ACCOUNT # XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX {$1900.00} XXXX XXXX ACCOUNT 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 consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I, along with 3 other roommates rented a 4 bedroom apartment at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX from XXXX XXXX XXXX ( XXXX ) in year XXXX. I signed here as I am a XXXX  at the University XXXX XXXX, XXXX ( XXXX ). The four of  us signed a joint lease with a rent charge of $ XXXX/month each. The lease was from XX/XX/XXXX to XX/XX/XXXX. I also paid a security deposit of {$540.00}. The total security deposit paid for the entire apartment by all four of us was {$540.00} x 4 = {$2100.00}. 

In XX/XX/XXXX, I signed a lease with XXXX for another apartment in the same building for XXXX XXXX XX/XX/XXXX. The lease was a joint lease with 2 of 3 of my previous roommates. We signed to pay a rent of $ XXXX/month. XXXX asked us to pay the difference of our old rent ( {$540.00} ) and new rent ( {$650.00} ) as the security deposit. Thus, each one of us paid $ XXXX $ XXXX {$100.00} for the deposit, in addition to the {$540.00} they already had as a deposit. In total, I had paid {$650.00} for my security deposit with XXXX. 

In the middle of this XXXX XXXX-XXXX XXXX lease, the apartment complex was bought by a new property management company, XXXX XXXX. We were told that the signing of our next XXXX  XXXX-XXXX XXXX lease is still valid, as all previous leases would be transferred to XXXX XXXX. 

In XXXX of XXXX after move-out, I received a charge of {$670.00} from XXXX XXXX, citing cleaning charges, carpet replacement, and repainting. This charge was for the full apartment of 3 people, and yet I was the only one to receive it. The charge per person should have been $ XXXX/3 = {$220.00}. We returned the apartment in the same condition we received it. For using this apartment of 1 year, the charge of ~ {$670.00} seems excessive and unilateral. Additionally, I have photographic evidence of damaged carpet during move-in, which XXXX XXXX  is attempting to charge us for. 

I have yet to receive my security deposit of {$650.00} back. XXXX XXXX, as per the law, is supposed to send the deposit back within 15 days of move-out. However, it has been 5 months and still my deposit has yet not been returned. 

Instead, on XX/XX/XXXX, I received a letter from the National Credit Systems Collections Agency stating that I owed a debt of {$670.00} ( the full apartments cleaning charges ) to XXXX XXXX, which is factually incorrect. Instead of giving me my deposit back, I was charged the cleaning charges for the full apartment which is again incorrect. I sent the National Credit Systems a description of what had occurred to no response. I also tried to talk to various employees but left to only leave voicemails that were never returned. 

I tried to resolve this issue by speaking to the property manager of XXXX XXXX on XX/XX/XXXX. He assured me that he will get back to me by XX/XX/XXXX with resolution. However, as usual, XXXX XXXX property managers have failed to get back to me in a timely manner and resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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
Product: Payday loan, title loan, or personal loan

I have contact XXXX Loan company here in XXXX Texas. I told them that I had my identity stolen and someone opened an account in my name. I submitted a report with the police station and contacted the company. At this point I told them that I would just pay it to get it gone from my credit report. Each month they add on {$5.00} and the account is closed and in collections. It is ruining my credit and it's not even mine. My responses were just so that I can get to this page to give explanation.
Product: Checking or savings account

my XXXX  card has been compromised ( fraud/ transactions ) and each and every time ( at least XXXX cards issued since XXXX XXXX, 2023 ) I was give a generic speech about a 45 day process just to investigate. By the time of the so-called investigation another scam of fraud has commenced. Please HELP ME!
Product: Debt collection

TrueAccord emailed me violating 15 USC 1692c, and disclosed my own personal very private nonpublic information. TrueAccord in connection with XXXX XXXX  is attempting to extort my extension of credit. TrueAccord refused to disclosed the amount or value they exchanged with XXXX XXXX  in connection with this extortion and I am filing an aggravated Identity Theft report with the FTC and my local authorities.
Product: Vehicle loan or lease

On XX/XX/XXXX my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/XXXX I signed up for XXXX XXXX because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.
Product: Debt collection

I am a Victim of Identity Theft. I Recently received a copy of my credit report and learned that my personal information is being used in attempt to collect a debt from a company called SUNRISE CREDIT SERVICE which I did not open any account or have any knowledge of this company and why are they trying to collect a debt which I do not owe or have knowledge of. I am Disputing this collection of debt and requesting validation of the debt the company says I owe. I am requesting proof that i am indeed the party the company is asking to pay this debt and there is some contractual obligation that is binding me to pay this debt. Until the debt have been verified I am requesting that this debt collection and information be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans that have been closed for several years are suddenly reporting as new late payment damage on Equifax. This is unacceptable and the accounts must be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have only 2 open credit card on my account a XXXX XXXX card and Surge credit both operating under XXXX XXXX XXXX and XXXX XXXX. 

under XXXX  card/ XXXX they are reporting multiple late payments I asked about htis on numerous phone calls and they told me they can not provide any information over the phone and I should dispute it with the credit bureaus. Why are they doing this I am not homeless with my XXXX kids sleeping in my XXXX because I can not get approved for an apartment because of these reporting incorrectly with no explanation! I called to have the remove from my credit and they keep telling me to dispute it and I am constantly going back and forth and they advise they made notes to their system. 

The second XXXX XXXX is also reporting a lateness and I contacted XXXXXXXX XXXX they told me that I was never late but yet they are reporting this information This is an unfair practice and these are predatory cards that are {$300.00} credit limits with a XXXX to XXXX $ annual fee. they were the only ones to approve me after i had credit issues and I really appreciate that - but reporting incorrectly is truly disgusting. 

Also in my conversation with the XXXX XXXX  I advise please can I pay off the card and have the entire account removed from my credit because I can not have my XXXX children sleeping in my moldy XXXX any longer they keep saying they do not have any information to provide about the lateness reporting. 


I need these incorrect reporting off my credit even if that means me paying these balance sin full and have them removed i will do anything please!
Product: Credit reporting 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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

Around XX/XX/year>, all of the agencies, XXXX XXXX Transunion, received a complaint from concerning discrepancies on my credit file ; there are several : 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

Experian continues to give invalid or incorrect data on my credit report. 
Example, last month I had a credit score and this month they removed my credit score. 
I have had several collection accounts deleted from my credit profile instead of my credit score increases to acknowledge the paid account Experian removes the account thereby not acknowledging the accounts as being paid. 
I had a {$18000.00} account that was paid and instead of them showing the account as being paid they closed the account. 

I would like my credit score adjusted to show the paid accounts and the 3 credit card accounts that are opened with a low balance. 

I would like to remind Experian of the following lawsuit listed below. I have been in contact with the attorney that represented the plaintiff listed below and if this matter is not resolved in the next 30 days I will not hesitate to pursue legal action. 

XXXX, Ore. -- A federal jury in Oregon has awarded {$18.00} XXXX to a woman who spent two years unsuccessfully trying to get XXXX  XXXX XXXX to fix major mistakes on her credit report.