23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During the life of our mortgage loan with NationStar Mortgage, they have went out of their way to misapply payments or apply them in such a way that they get the greater benefit. Most recently, I sent in  XXXX  for a principle payment and they put my money into " reserve funds '' instead of applying it. They sent a letter asking for an extra  XXXX  before they would take it out of this reserve. Yet I had sent in my regular payment with the exact and full amount days later - and they never fixed the earlier payment. Then I called them to fix it and they said they would need to have the " back office '' work on it and for me to call them back in 3 days - which is ridiculous to expect me to call back on their error that still has yet to be corrected! And I just recently sent in on  XX/XX/XXXX  another payment of  XXXX  which they proceeded to split up into a monthly payment and less principle - even though I had already paid the monthly payment days earlier. This is not the first time, and now I am sure I will have to struggle to get these corrections made while they benefit on the interest charges. I am seriously unhappy about their servicing practices. No wonder they want to change their name to "  XXXX   XXXX  ''. I will be so glad to pay off my mortgage to not have to deal with their tricks.
Product: Mortgage

Hello, I am submitting this complaint because of my second mortgage company Truist. 
In which I took out a XXXX yr. mortgage with XXXX in XXXX. My second mortgage has been sold to several different companies and now it's with Truist Bank now. I took a loan out with XXXX back in XXXX for the amount of XXXX. My maturity date for this loan was XX/XX/XXXX. The statements that I was getting were reflecting that I only owe about XXXX in XX/XX/XXXX thru XX/XX/XXXX. Then when XX/XX/XXXX my loan was reset for XXXX. This is a big error and this needs to be fixed. I reached out to Truist they were not listening. I went up the ladder to speak to someone higher up and still no one knows nothing. I did speak to someone in XX/XX/XXXX her name was XXXX and we stood on the phone over 2 hours trying to get this straight. She said XXXX XXXX you are right your last payment is XX/XX/XXXX. Please help me I am being taking advantage of.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. 

I have made several attempts to report and have fraudulent items removed from my credit file, However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 

The persistence of these fraudulent items reflects poorly Credit Bureaus commitment to combating fraudulent activities and protecting its customers. It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist.

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data.

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue.

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits.

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future.

Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im getting emails stating I have a kickoff account but I dont remember making an account with them and Im getting charges and its making my credit bad.
Product: Credit reporting

My mother put me as a joint credit card applicant on a XXXX XXXX XXXX credit card back in 2002 when I graduated XXXX. She did this without my knowledge or consent ( I believe her reasoning was to help me with my credit ), but she has since been imprisoned for criminal activities and has been unable to make payments on a card that I did n't even know existed until recent years. Now, this item is showing up as a negative item on my credit history and is impeding my ability to buy a home. I submitted this dispute XXXX and they had the item removed from my credit history. I have disputed this twice with Experian, however, and they will not remove this item from my credit. I called Experian ( another complaint I have is the difficulty in finding a live phone number to talk to someone ) and they advised that I speak with XXXX XXXX XXXX XXXX which I did, and they advised me that I needed to speak to Experian XXXX and that there was nothing they could do.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Chexsystem is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency Chexsystem do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Chexsystem, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Chexsystem are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your Chexsystem reporting services.
Product: Debt collection

Contract Callers Inc Account # : Unknown Amount : {$2100.00} To Collection Manager : This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with CONTRACT CALLERS INC ( CCI ) and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX XXXX XXXX XXXX XXXX. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless XXXX XXXX XXXX can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. 


Thank you for your time. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. 
Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

In a recent dispute, Experian stated the recent balance was updated to {$6400.00}. They also verified that the information you are reporting was verified. How is this possible? 
They are allowing this company to furnish an incorrect balance. The balance needs to show {$0.00} because this account was paid in full by the asset protection insurance attached to it. Please correct to {$0.00} or delete this account immediately. 
This is a false and misleading tactic used by the creditor and is it illegal.
Product: Bank account or service

I am a court appointed guardian for a legally XXXX person. I have been the guardian since XX/XX/XXXX. I have had a guardianship bank account with Chase Bank ( now JP Morgan Chase ) as Guardian since XX/XX/XXXX. I pay all of my wards bills. XX/XX/XXXX, Chase closed the account without any notice to me, with no explanation at all, and my ward 's rent checks, utility checks, phone bill, hospital bill payments, clinic payments, all bounced. Then, after closing the account ( which had nearly {$7000.00} in it at the time ), Chase sent the funds not to me as Guardian at the address listed on the account, but instead to my ward 's address. Since he has a XXXX XXXX, he had no idea what the check ( XXXX ) were, and only due to his sister finding them did I recover the funds. Chase has failed and refused to address this in any way.
Product: Credit reporting

I received a written letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX regarding an account. The written letter offered the option of " XXXX payment of {$640.00} '' after which my account would be considered " Satisfied in Full '' once the payment is successfully posted. ( Please see attached letter ) I paid the {$640.00} ( please see attached section bank statement noting payment to XXXX XXXX ). XXXX XXXX now reports my account as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '', with a reported balance still owing of {$1100.00}. The original balance reported was {$1800.00} -- XXXX XXXX XXXX has simply reduced the balance by the payment of {$640.00}, rather than updating the account to " Settled in Full '', as promised in writing. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " Settled in Full ''.
Product: Credit reporting

I am still having a problem with Equifax in XXXX. They continue to send mail to an old address of mine in XXXX, XXXX, even though I have not lived there since XXXX. Of all the credit reporting bureaus, I find Equifax the most difficult to deal with. 
In the spring of XXXX, I discovered I was the victim of major identity theft. I contacted the XXXX main credit reporting bureaus to place fraud alerts and security freezes. I found out that the identity thieves were using XXXX addresses to open up fraudulent accounts using my personal information : XXXX, my old apartment address in XXXX, XXXX, and XXXX, a phony XXXX in XXXX, XXXX. 
The Equifax Security Freeze Department continues to send mail to my old XXXX, XXXX address, even though I have told Equifax REPEATEDLY that I have lived in XXXX, XXXX since XXXX. 
I gave Equifax copies of my XXXX, XXXX utility bills, SSN, and other personal information to confirm my identity in the spring of XXXX. I also provided a letter from my former landlord in XXXX, XXXX, stating that I had not lived there for 8 years. 
Yet, on XXXX, I received yet another " change of address '' letter from Equifax. If I call the Equifax Security Freeze department phone number that is on the letter, they will not talk to me, as I do not have an " Equifax Security Freeze number. '' Equifax never gave me a security freeze number ... I reviewed all of my correspondence with that company, and a number was never provided. 
Online sleuthing and additional reports indicate that XXXX of the identity thieves, a male, lives in my old XXXX, XXXX apartment. This thief used my personal information to open up several fraudulent accounts, including a home mortgage loan, an auto loan, bank credit cards, and a personal installment loan. 
I am going to ask Equifax , ONE MORE TIME, to stop sending my personal mail and personal credit reports, to XXXX, XXXX My son is contacting law enforcement on my behalf, in hopes that the XXXX identity thief will be arrested. In the meantime, I need Equifax TO PROTECT MY PERSONAL INFORMATION, AND TO STOP SHARING MY PERSONAL CREDIT REPORT WITH OTHERS! I NEED EQUIFAX TO STOP MAILING EQUIFAX LETTERS AND PERSONAL CREDIT REPORTS TO MY OLD ADDRESS FROM EIGHT YEARS AGO!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission whichis against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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 30DAYS 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. 


XXXX  XXXX 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: Checking or savings account

On XX/XX/year>, my Citibank debit card was placed on hold without prior notification. I visited a branch, and the staff assured me my account was fine and that my card could still be used with a PIN. I withdrew funds that day without issue. However, the next day, my transactions failed, and I discovered that both my debit card and online banking access had been locked. 

I contacted the fraud department as instructed. They claimed they needed to verify my identity but stated they could not use the phone number on filedespite this being the number I provided when opening the account. They informed me that a reference letter would be sent to confirm my identity, which would take XXXX business days. 

It has now been over two weeks, and I have not received the promised letter or regained access to my account. I have repeatedly contacted Citibank 's fraud department, spoken to my branch manager, and involved my account manager, but no one has been able to resolve this issue. 

How This Has Impacted Me Financial Losses : I have been unable to access my funds, causing missed business opportunities and losses exceeding tens of thousands of dollars.

I have fallen behind on bills and other financial obligations.

Personal and Family Hardship : This situation has severely disrupted my ability to provide for my family.

Steps Ive Already Taken Visited the local Citibank branch to speak with the manager. Contacted the Citibank fraud department multiple times. Reached out to my account manager.

Sent a formal complaint letter to Citibank ( attached ).

Despite these efforts, Citibank has failed to resolve this matter or provide meaningful updates.

Desired Resolution Immediate restoration of access to my account and funds.

A full explanation of why my account was locked and why my funds were withheld. 
Compensation for financial losses incurred due to the banks delays and mismanagement. 
I appreciate your attention to this matter and look forward to your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX 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 card

In XXXX, I opened a Secured Credit Card with Bank of America of XXXX dollars, I used it properly and I always made the payments on time. 
In XXXX, I decided to close it because I had some inconveniencies with this Bank and they did not informed me that I had to pay some extra fees for using the Secured Credit Card. They did not educate me on managing the Credit properly and did not inform me neither that I had to pay some fees. 
After a month, I paid what I owned, it was not more that XXXX dollars but they had already reported me to the Credit Bureau and it is affected negatively my Credit. 
Last year, they sent me letter in which they said, I do n't own anything to Bank of America but I need to get this removed from my Credit Report, please!