23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Specialized loan servicing has misapplied my mortgage payment from XXXX, XXXX kept in unapplied funds to pay principal instead of my mortgage payment. 

Prior to a period of forbearance there was a partial mortgage payment of XXXX paid from my account on XX/XX/XXXX. This payment was put in unapplied funds and kept there until mortgage modification where this company then applied to principal instead of current mortgage payment. 

SLS claims this payment was part of the modification agreement, however I NEVER agreed to use my mortgage payment held in unapplied funds to pay principal.

In fact, I made it clear to the company that this payment was to go toward my mortgage after modification.

SLS has a history of misapplying my mortgage payments and then telling me I am wrong or did not make the payment. 

This company has participated in XXXX intimidation with a representative calling me a " XXXX XXXX XXXX '', ( which I filmed ) a consistent misapplication of funds and an attempt to short sale my house all the while I have paid my account on time. 

Please do not let this company steal my hard earned mortgage payments! It is against RESPA to apply mortgage payments to anything else BUT THE MORTGAGE. 

This company continues to take advantage of me as a XXXX, XXXX, veteran and XXXX. 
They must be stopped and held accountable for this practice of stealing homeowners money by subverting to unapplied funds. 

1 - See attached the bank statement from XXXX XXXX showing the partial payment. 
2 - See attached screenshot from SLS showing the payment applied to principal labeled " current interest and principal payment '' 3 - SLS response to CFPB with highlighted texts, admitting they misapplied mortgage payments from XXXX and reapplied to account with XXXX, XXXX adjustment demonstrating evidence of XXXX, XXXX partial mortgage payment.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately They have non-mailable addresses that should be removed, which is in violation of the Privacy Act of 1974. 
Also, the Education and Privacy Act of 1974 34 CFR 99, the family education act 20 USC 1232g : Education and privacy act of 1974 XXXX counts of XXXX, they also reported an address thats non-mailable XXXX XXXX XXXX in Georgia Central collections unit 15 usc 1681 16 CFR 313.7 opt-out Auto loans XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3600.00} XXXX  XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX Balance : - XXXX  XXXX XXXX  XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$940.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX ( Original creditor : XXXX XXXX  XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX  XXXX A XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX Balance {$450.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXXXXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX  XXXX, nor did I provide written consent for my credit report to be accessed.
Product: Mortgage

Seterus, Inc., my mortgage servicer has refused to answer my questions about the servicing of my mortgage ( fee charges that do n't seem reasonable and corrected XXXX mortgage interest form that does not agree with my statements ) despite repeated phone calls. All phone calls are met with an exceptional lassaiz faire attitude followed by no answers to questions. I feel I have no where else to turn -- they hold all of the cards. Worst mortgage servicer ever!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraud in my account. All the bellow inquiries were not authorized by me. 
Please dispute. 
Thank you, XXXX XXXX
Product: Debt collection

I left 3 messages for a call back regarding this issue. The company, Nathan & Nathan Attorneys, would not return my calls. I didn't have an email address so I sent a Certified Letter requesting the company contact me or delete the item on my credit report. 
They did neither. 
I have attached a copy of my request letter and the proof of Certified mail being sent on my part and received on their part. 
This information is resulting in a denial for a mortgage to purchase a home. I don't know that the claim is correct. The creditor is XXXX XXXX and I have loans with XXXX XXXX  opened much later than the 2006 date Nathan & Nathan claim this debt dates to. 
I look forward to your reply. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes with XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. Despite these efforts, the incorrect information has not been corrected, and no satisfactory resolution has been provided. 

Violation of 15 USC 1681i ( a ) ( 1 ) : The credit bureaus failed to complete an investigation of my dispute within the mandated 30-day period, delaying the correction of inaccuracies.

Violation of 15 USC 1681b ( f ) : The credit bureaus did not follow proper procedures in ensuring that the information reported on my credit report was not misleading or inaccurate.

Violation of 15 USC 1681c ( a ) : The credit bureaus continued to report outdated information that should have been removed after the legally required period, breaching the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account #, XXXX XXXX XXXX XXXX - 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 Section 604 B. States a consumer reporting agency dont have the right to report anything on your credit report without written consent.

15 U.S.C 1681 Section 605 Section 1. States with no consent that equal identify theft 15 U.S.C 1681 Section 605 Sections 2. States if your notified that something is on your credit report that results from identity
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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
Product: Debt collection

Crown Asset Management sued me using XXXX XXXX XXXX for a very old debt that was not signed in the State of XXXX  and the debt was cancelled in a Class action settlement with XXXX who is the original company. 

XXXX did not give me proper notice and once I received notice it was for garnishment because the judge had pushed the lawsuit through without making sure XXXX actually served me for me to explain that the debt was old and canceled on a 1099-C.
Product: Debt collection

During part of an eviction in Georgia the judge presiding over the eviction made a judgment that no money was owed that was requested for back rent in the eviction but was awarded the property this judgment relieved me of the financial obligation to pay the rent when I had the rent that was owed the day of court. Since this judgment the landlord has parked the debt with the debt collector even though by court order I have been relieved of paying the debt I have provided the court documentation to the debt collector and they are still reporting to my credit and causing damages to my credit when the debt is not owed. The company is Professional Debt Mediation out of Florida.
Product: Debt collection

For years now I receive excessive calls throughout the day from Portfolio Recovery. I have told them constantly i did not open this card and my social security number had to have been compromised, I am fed up, I am getting calls 2-3 times a week. Now I am taking action, if this account isnt removed from my credit reports, I Ill formally be filing a lawsuit, I will ask the court to summon the telephone records that would show the amount of times I have been harassed by this company!! I will also request that Portfolio Recovery incur all my court costs. I am not the only on who this happens and i am not the only one fed up, I will gladly start a class action lawsuit for failure to abide by the guidelines set forth in the first lawsuit!!!
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items 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 & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is 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.
Product: Money transfer, virtual currency, or money service

Paypal has open a line of credit, Keep the available credit and displayed a false balance of alaviable credit. Credit line is {$2700.00}. As of this date the available credit is stated as XXXX. Where did the available credit go. I was not given the proper amount of credit, due to I have my mineral rights under the Mines and Minerals Act of 2009. The account email address is XXXX. Please send opening account documents to my email account. The PayPal Credit account number is XXXX-XXXX-XXXX-XXXX. Paypal Credit, did not issue a Card, as requested under the Fair Credit Billing Act.
Product: Checking or savings account

For a month I have been sending messages through the message center to Wells Fargo to close my XXXX checking accounts and savings accounts, that are currently in a balance of zero dollars, but the bank has refused to close them to continue charging the monthly maintenance fee of both accounts for having insufficient balance. They charge me {$10.00} a month for each account. I told the bank that I am not in the United States and I have not been able to travel because of the covid but the bank insists that the closing of the accounts must be personal to continue collecting the monthly fee. I can not be forced by the bank to have accounts that I do not want to have.
Product: Credit card or prepaid card

TD Bank issued me a credit card with rewards promised based on purchases made with the card. I earned points to qualify for {$220.00} in cash back or gift cards. On XX/XX/2018 I placed a phone order for two {$100.00} and two {$10.00} gift cards for XXXX that totaled {$220.00} which I never received. TD Bank sent them to the wrong address even though I confirmed my correct mailing address with TD Bank when I placed the order and several times prior to placing the order. Several months ago, TD Bank promised to credit my VISA account {$220.00} representing the gift cards I never received for the cash back rewards I earned as agreed. I still have not received the gift cards or the cash back rewards of {$220.00} as promised by TD Bank.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, I subscribed to Experian Trusted ID Premier and put both a freeze and a lock on my account. I was notified today, XX/XX/19, that my subscription had expired and that, as a result, my account was automatically unlocked. So I called Experian, during their business hours, at both XXXX and XXXX to speak to a live person. I tried numerous times to reach a live person, but to no avail. I then called XXXX ( XXXX ), which partners with Experian regarding identify theft monitoring/identity loss matters. I got through to a live person. I told the rep that my account was automatically unlocked because my Trusted ID Premier subscription expired, but that I still had a freeze on my account. I then asked : Am I ok with just the freeze, or do I need to re-lock my account? The representative was quite rude and seemed indifferent ; she didn't have an answer. I then asked how I could get hold of a live rep at Experian. She gave me the number XXXX. ( IMPORTANT : I repeated the number to her for verification purposes, and she acknowledged I was correct. ) I then called the number. All I got was an automated answering system. It did not state which company/party I had reached, but did state that I'd be on hold for more than 30 minutes. So, I hung up. I then did a search online to see if the number, XXXX, was legitimate. The results showed that it was not an Experian number. Rather, it was assigned to a person, XXXX XXXX, on XXXX XXXX, in XXXX, TX. I am now concerned about the legitimacy of XXXX since their rep ostensibly gave me a bogus number.
Product: Debt collection

They have repeatedly sent me attempts to collect a debt that is over 20 years old
Product: Debt collection

Ive been going through this since XX/XX/XXXX of 2023. Victim of identity theft, someone purchased items from company XXXX, I reported it to smart pay and they ceased any debt due to fraud. The collection company security credit services was charging me the debt which was confirmed as fraudulent. Ive spoken to both smart pay and security credit services multiple times they have told me the account was closed due to fraud but In XXXX it still shows as collection debt from Security credit services. I am seeking urgent help for this issue its been almost 8 months everyone tells me the account was closed but It seems like the collection company and XXXX havent had good communication.
Product: Checking or savings account

My name is XXXX XXXX and i bank with Navy federal. # XXXX last four of acct # My sister gave me a cashier check for XXXX i deposited it TO MY Navy federal account ON ThursdayXX/XX/2023 which said funds will be available on Mon XX/XX/2023 called bank on Saturday to see if i can move funds to savings account since i put in wrong account she informed me my funds wouldn't be available till Tuesday theXX/XX/2023 called the bank to see why my funds was not avail was informed that they were informed by the big bank forget the name she called it said the check was fraud and more than likely would not be cashed so they the big bank placed additional holds on the cashier check which myself and my sister talked with the banker at her bank which informed her that he didn't know why they were doing this which the check is already purchased and can be verified by XXXX or the clearinghouse but navy federal since i have banked with them over 4 years always sites my crdeit history i have never had bala=ces on my account i do not pay and to hold my cashier check not personal check and they keep extending the time frame in which my funds will be available nd the check is already paid for and able to be verfied
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent a letter to the bankruptcy court asking if they sent any information to any credit bureau agencies on information on me and they responded with a letter on XX/XX/year> clearly saying they do not and did not send any information pertaining to a bankruptcy to any credit report agencies. The information pertaining to XXXX, XXXX and Experian and all credit reporting agencies are in accurate, false and misleading. It is hurting my credit score and damaging me commercial.