23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have two loans with two different banks, XXXX XXXX  and BMO, both for recreational vehicles. Each loan is a fixed rate loan charged a daily interest rate. My monthly payments for each are distributed between principle and interest each month and I am completely aware that interest will be higher than the principle contributions. My issue is specifically on how they apply payments made in excess of what is owed as the minimum payment. Example ; fixed rate loan is 7.49 % with a monthly payment of {$560.00}. With exception of maybe 1 or 2 months, each month I have made payments in excess of that minimum amount. The idea was to have those applied to principle however that is not how they are applying payments. They are taking the excess monies and applying it to interest charges and then reducing the minimum payment amount for the following month by the overage amount that was applied to the interest charge. They are not applying this to principle. This practice seems incredibly unfair. They are taking my money which would allow for me to reduce the principle balance and instead applying to what I would XXXX future interest owned. They are applying it to their own interest income and changing me interest on a higher principle balance that I paid extra to reduce. After speaking to both companies, I was told that I have to actually go online, call, mail in or go into a branch to be sure that my additional payments are being allocated to principle. In fact, the BMO representative read me their internal policy or talking points and it said, excess payments were to be applied to principle but he assured me that that does not happen. If I am making my required minimum payment and then additional funds are received at the exact same time, why are they not applying those funds to benefit the consumer vs. themselves. This feels like a very unfair practice and almost deceptive. In order for clients to understand that what they intended to be principle contributions are not actually being applied, they would have to review their statements AND call the bank to understand why their payments are reflecting either a lower or no payment amount. I was told by the representative that even if I requested a reallocation of funds to be applied to principle vs. interest that in his experience, these are denied. He said it would be unsuccessful but did offer to submit it. This does not seem like a process that benefits the consumer at all and lines the pockets of the bank instead. I have two loans that this has happened to me on. Please review for unfair and deceptive practices.
Product: Debt collection

I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XXXX/XXXX/2020 30 DAY DEMAND XXXX/XXXX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violations please add payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Missing payment history for 1 year : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed i had a fraud alert on my credit report active until XXXX XXXX i thought alerts lasted 1-2 years before re-instatement. I have made serval attempts to have the alert removed temporary or permanetly. I have called the XXXX  and nobody ever answers. I have sent certified letters and nobody responses. I had finally spoken to a representive that supposalbly removed the alert or phone number verfication alert, But, evevytime i apply for credit i get denied do to the alert on my report. i have tried so many times to contact all agencies but nobody answers the phone. I need to remove the alerts and confirm my phone number is updated correctly which it shows on my credit report to be correct.I have had the same phone number for 20 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making effort after effort to try and access my dispute but I am unable to. I made efforts to call and I do not get the option to speak to someone.
Product: Debt collection

I have been more involved on what 's being reported n my credit report. I signed up for XXXX and XXXX XXXX and noticed that there were a few collections on my report that I was not aware of. I called the original creditor which was XXXX and spoke to a rep. I provided my information the rep and informed her that XXXX is reporting me to a collection agency stating that I had service with them. I provided the rep with additional information to search for tis account that 's in collections and the rep provided me with an address that I have never resided at. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account she pulled up. I thought that would have resolved the issue, but it was still being reported on my credit report. I then disputed online to the collections agency who is reporting me in which after the investigation the results was that the debt was valid. I reached out to them numerous of time asking for proof, or documentations with my signature but they were unable to provide me with that information. I have never lived at the address that was reported on that account, I have also never agreed to this fraudulent debt being mine, and never owned any debt to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied for small business loan but was only approved for a small amount because of negative accounts on my credit report. These accounts don't even belong to me and I've already tried clearing it up with the bureaus and the companies directly. They verify they are inaccurate and tell me they will be removed in their next billing cycle but nothing has been done yet. This is a huge setback for me as a XXXX XXXX XXXX with XXXX XXXX I need these removed instantly so I can reapply for relief funding to save my business. The accounts that do not belong to me are XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  and XXXX XXXX XXXX XXXX.
Product: Mortgage

My ex wife asked me to sign a quit claim deed so she and her boyfriend could get my name off mortgage in which I sign the quick claim deed she then modified the mortgage on our joint property that we own together in order to remove my name from said property that was over XXXX years ago now I have not only my name on the property but an extra {$60000.00} in debt that I never signed any of this paperwork I did sign a quick claim deed being told that that starts the process of me getting my name off the property but I was not told in any way shape or form that I was going to be modifying the mortgage I never gave Nationstar my permission to do that I would have never signed any of those contracts I am taking my ex to court over 2 times they have all been found in contempt each time of violating the divorce decree but she does not have the credit nor the ability to refinance the property because now the property is owed {$160000.00} its value is only worth {$70000.00} I am remarried and this now cost me my financial ability because I am still in debt on that property with no way to be able to remove it please help me in this situation Nationstar Mortgage did wrong by doing this. There is no way for me to be able to sell the property I have tried to do that but she owes way too much. And what am I supposed to do for my children out on the street I do n't think that would work anyhow this is going to cost me my second marriage by this continuing on please email me or contact me by phone for any questions thank you XXXX
Product: Checking or savings account

This is a joint account held by my deceased husband ( XXXX XXXX XXXX and XXXX XXXX ). 
The original account was through a XXXX XXXX ( XXXX XXXX XXXX ) of XXXXXXXX XXXX 
I was told by the XXXX Banking Commissioner that the was taken over by First Citizens Trust XXXX XXXX XXXX  in XXXX when the XXXX XXXX XXXX XXXX  failed. 
I have also spoken with First Citizen Trust Bank and they are saying they never took over the bank and can not locate our joint account. 
This is frustrating because I need to show proof that this account existed in order to probate the affairs of my late husband and myself. 
The account was opened between the years XXXX. 
I appreciate your prompt response and attention to this matter. 
My husband DOB XXXX and the last four of SSN XXXX. 
My DOB XX/XX/XXXX and the last four of my SSN is XXXX. 
This account was opened in XXXX GA at the XXXX or XXXX XXXX location. 
Thank you in advance, XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, which XXXX violate the XXXX Funds Transfer Act ( XXXX ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

Why this accounts and inquries are still on my report. I send a compliant regarding this issue please delete this this fraudulent and authorized.Here 's the lists of negative account I REQUESTED to be deleted Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Debt collection

XXXX XXXX has been violating me for the past decade. I have never done business with them but they continue to report negative information to the credit agencies which is ruining my reputation and defamation of character. The correspondence is false and misleading and there are also a number of violations including harassment by mail and phone. I requested they cease and desist all collection activities but this company continues to breach my right to privacy and disregard federal laws that I am protected by as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2022 Balance : {$150.00}
Product: Credit card

I was scammed by a fraudulent seller who tricked me into paying through XXXX for goods that were never delivered. I used my Chase XXXX XXXX XXXX credit card to make the payment through XXXX, believing I was making a legitimate purchase. 

The date was XX/XX/year> an the amount was for {$1200.00}. I'm attaching a screenshot of the invoice as well as the transaction. 

The seller falsely claimed to be a trusted XXXX merchant selling XXXX neck massagers. After I made the payment, they provided a fake shipping company ( " XXXX XXXX '' ) that does not exist. They later demanded additional money for a " brand license '' and " insurance, '' which is a well-known scam tactic. 

I contacted my credit card provider Chase Bank, to dispute the charge and request a chargeback. However, they wrongfully categorized this as a " cash advance '' and refused to investigate. This is not a cash advanceit was a fraudulent transaction where the seller misrepresented their business, scammed me, and never delivered my goods. 

XXXX also refused to help, stating that personal transactions are not covered under their protection policy. However, I was misled into paying through XXXX by a fraudulent business, making this a clear case of deceptive trade practices. 

I am requesting that my bank ( 1 ) properly investigate this charge, ( 2 ) process a chargeback due to fraud, and ( 3 ) stop mislabeling XXXX payments as " cash advances '' to avoid issuing refunds to victims of scams.
Product: Credit reporting or other personal consumer reports

I request your support regarding the incorrect account reported on my credit file. This has affected my standing as a customer, and I need your help. I want these accounts removed, as they are inaccurately and negatively listed.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected, or omitted : 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

Dear Equifax Just to start things off, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 

XXXX : Account number : XXXX, Date open is showing the wrong dates. Investigate, delete or fix date of last payments. 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 

Tracking all letters. 

Waiting.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter of debt collection from a company named HRRG, who claimed to collect  XXXX  amounts of medical debt on behalf of creditor  XXXX   XXXX   XXXX .  XXXX  in total of {$64.00}.     My son did go for an emergency visit on the date listed in the letter, however if my memory does n't go wrong, my son was covered by the medical insurance, and I have paid the out-of-network part with my credit card in the hospital.     I have not received any phone calls or letter from the hospital after the visit almo st six  months ago. Hence I did not know what this letter comes from, especially they did not state the specific provider and the location of the service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter from XXXX XXXX  XXXX that somebody tried to apply for a Credit card using my name. I called XXXX XXXX XXXX and notified that I didn't apply for the card and I don't recognize this activity. I also called XXXX XXXX and notified them and they put a freeze on my account. I have no idea how my personal information leaked out.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial claims they sent me a final bill for a leased vehicle that was turned in early. I never received such bill. They then reported me to the credit bureaus for not paying the final payment even though i never knew until i applied for a mortgage refinance that i owed anything. When i disputed this by phone, they told me " we left you a voicemail on your cell phone '' ( no date was verified and i had no such voicemail '', but they admitted they should have called earlier and BEFORE reporting me to the bureaus. Further, they said they'd clear the negative marks from my credit report. Needless to say, i can not get my credit score adjusted fast enough to refinance my mortgage, so because of their admitted error, i will be in an unfortunate situation. My auto payments are ALWAYS on auto pay from my bank account so that i don't miss a payment. They inaccurately said i owed a balance for 6 months and missed monthly payments for 6 months AFTER i had turned in the leased vehicle. I am confident they knew they did not properly try to reach me for an unpaid balance and that's why they jumped to say they will remove the marks. Unfortunately, 30-45 days of waiting will not be suitable to help me. i have already spent countless hours on the phone with all 3 credit bureaus as well as GMF.
Product: Credit reporting or other personal consumer reports

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had just filed a Cfpb complaint last week about Equifax reporting the wrong information for this same account. Saying XXXX I was 60 days late. This complaint is against EQUIFAX for violating the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( B ). I previously disputed an account XXXX XXXX acct # XXXX on my credit report for a late payment in XX/XX/XXXX which was found to be inaccurate and changed from being late to never late However, this account has been reinserted numerous times into my credit report without any notification from EQUIFAX within the required XXXX business days. This action is in direct violation of FCRA Section XXXX ( a ) ( XXXX ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. A few days ago they were reporting that XXXX XXXX was 60 days late now its XX/XX/XXXX. I have already contacted EQUIFAX regarding this issue but have not received a GOOD resolution. Therefore, I am seeking your assistance to ensure that EQUIFAX complies with FCRA regulations and corrects this issue immediately WITHIN XXXX BUSINESS DAYS. No other XXXX is reporting this wrong information. Attached are copies of all relevant correspondence, including my confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding unauthorized information on my credit report. To this day almost 60 days later, I have not received a response to unauthorized information. I feel like my disputes have been completely disregarded and ignored. Section 611 ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report and it has been more than 45 days so they should be deleted promptly. I demand these inaccurate accounts be deleted immediately or I will file for litagation due to the stress and anxiety you have caused. My information was impacted by the XXXX databreach as well and may have been exposed to the wrong person.