23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Over the last year I have made or attempted to make six additional principal payments and every time my mortgage co. ( Mr. Cooper ) misapplied, overapplied or delayed my payments. This happened on XX/XX/XXXX for the amount of {$16000.00}, XX/XX/XXXX for the amount of {$12000.00}, XX/XX/XXXX for the amount of {$15000.00}, XX/XX/XXXX for the amount of {$22000.00}, XX/XX/XXXX for the amount of {$28000.00} and XX/XX/XXXX for the amount of {$35000.00}. As of XX/XX/XXXX, I tried to make a principal payment and the representative from Mr. Cooper is trying to tell me I am not allowed to make an additional principal payment until my XXXX payment has gone through and they only charge interest on a monthly basis, which is not true, I am and will be paying interest on this money daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I discussed a payment extension with this creditor for the XX/XX/2018 installment. At the time I lived in XXXX  and was in the process of relocating to XXXX. The representative who agreed to process my extension for the installment due XX/XX/2018. I relocated to XXXX  on XX/XX/2018. I never received confirmation this extension was processed. 

My mail began being forwarded sometime in the month of the XXXX. Once I moved, I never received the document to reflecting an extension. As a result, my loan began reporting past due over 30 days late as of XX/XX/2018. 

I contacted Chase again on or around XX/XX/2018 advising them my credit bureau reported incorrectly and should show an extension was process for XX/XX/2018 installment payment. The representative explained the loan was 30 days past due and the extension was never processed. She said a letter for the extension was never returned and therefore was not processed. Evidently the State of XXXX   requires an agreement for extension be signed to execute. At that time the representative acknowledged since I now resided in XXXX  the payment for XX/XX/2018 and XX/XX/2018 could be extended with the next payment due XX/XX/2018. Upon reciting company required disclosures an extension was processed for these two installments and my loan was brought current. 

My bureau currently reflects a 30 late payment for the XX/XX/2018 which should be corrected to reflected CURRENT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Date : XXXX XXXX To : XXXX XXXX XXXX XXXX : Request for Removal of Unverifiable Account Dear XXXX XXXX Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$2700.00} from XXXX XXXX, listed on my XXXX XXXX, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> VIA Email CFPB To Whom It May Concern : co RE : Cease and Desist - Debt Collection Contact This letter serves as notice to you and your company to immediately cease and desist all contact anc communication with me regarding the collection of an alleged debt and all related matters. 1 received the following on or around XX/XX/year> : - an email You claim that I owe debt in the amount of to JEFFERSON CAPITAL SYSTEMS LLC, account number do not owe this debt and I dispute this claim Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C.Section 1692, I demand that you and your company terminate all further contact with me including but not limited to communication via telephone, mail correspondence, electronic mail, or facsimile, f you continue to contact me other than to notify me that you are ending communication or that you are taking other legal action to collect the debt, 1 willbe forced to take legal action against you for violation of the Fair Debt Collection Practices Act and will seek al available damages and remedies Sincerely, XXXX XXXX XXXX
Product: Debt collection

Coast to Coast Financial Solutions is attempting to acquire payment for services performed by XXXX XXXX XXXX. 

In XX/XX/22 I asked XXXX to provide me my current agreement. They acquired the company that I had an active agreement with that stated pest treatment would almost completely reduce the amount of pests on the premises. 

Since their acquisition, they did not meet the terms of the agreement in place with the previous vendor. I sent in a request for help in XX/XX/22. No one responded in over a month. 

At this point, I had to hire another vendor. XXXX responded by threatening sending me to collections. I asked them to confirm the level of service per the agreement. They sent me to collections. 

1 ) The debt collector has Failed to provide me with information that allows me to verify that I owe a debt for services not rendered - i.e. pests control services did not result in pest control 2 ) The debt collector is Attempting to collect fees or additional sums not allowed for in the original contract At this point I feel harassed and taken advantage of and I want them to leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX : XXXX XXXX : XXXX ; XXXX : disputed. No response over 1 year. To add, do not owe the agency because my medical insurance covers yearly medical exam/ check up. 

XXXX. XXXX card is paid in full. Not credit reporting. Paid in full. No late payments. Closest XXXX. XXXX XXXX  was not open by me. 
XXXX. XXXX XXXX report late XXXX ; however I am paying on time. : XXXX. XXXX XXXX ; XXXX : agreement on payment made XX/XX/XXXX before the report was made as a debt on my credit account, last payment was completed. 
XXXX. XXXX XXXX XXXX : paid off XX/XX/XXXX ; reporting high balance. Closed. 
XXXX. XXXX XXXX XXXX Bank : reporting XXXX ; not my account/ didnt open this account. 
XXXX XXXX : XXXX and XXXX ; paid in full on both accounts ; never late.Bank agreement was to remove and the bank did not. 
XXXX : did not open account ; disputed several times and all XXXX credit bureaus did respond and agreed the account was not open by me. However, still showing on my credit reports
Product: Debt collection

A number of years ago XXXX XXXX launched a program whereby employees could sign up for " business '' internet connectivity at their home, through XXXX XXXX. We signed up, though apparently few employees did. I was working in XXXX 's XXXX office, not at home ; this predated covid. 

We used this account for years, paying every month. We never missed a payment, were never late on a payment. XXXX is internally so confused about the whole mix of " business '' and " XXXX  '' that it was, and still is, impossible to get any information from them. To this day we can not sign up for a XXXX XXXX home account because they claim that our ordinary suburban home is " a business address. '' As if they know and we don't. Neither XXXX XXXX nor XXXX XXXX seems able to figure this out because the XXXX program disappeared long ago. 

We eventually closed our Internet account, but kept the landline for an extra year or so. We still paid monthly. On every monthly printed statement, many of which we still have, it is clear that we paid the prior balance ; there are details of partial month charges, state sales tax, " voice XXXX fee '' of {$.00}. We paid them all. 

Much later, XXXX sent us a bill for {$3000.00}, for who-knows-what. We sent back their modems, we disconnected their phone lines, we can not find any accounting of what service they claim we owe them for. We have had XXXX fiber for years now. 

XXXX keeps sending this account to collection agencies. The prior collection agency had a way to say " we contest this bill ; we owe nothing. '' The new collection agency, Sequium Asset Solutions , LLC offers no such possibility. 

We don't owe anybody anything. And XXXX has never indicated just exactly what they think we owe {$3000.00} for. That would be for years of service. Are we supposed to believe they just ignored our supposed lack of payment month after month for years, never contacting us, building up a debt of thousands of dollars, and then suddenly they needed the money?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the Consumer credit Transaction initiated on XX/XX/2020 and XX/XX/2020 with your financial institution executed by way of signing an Agreement ( " Document '' ).

As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing.

In the above-mentioned Consumer Credit transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie XXXX, XXXX & Experian ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information 01 Provided by a consumer to a financial institution 2-Resulting from any transaction with the consumer or any service performed for the consumer ; or 3 Otherwise obtained by the financial institution.

Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and Experian are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802.

In case your Company admits that the organization named XXXX, XXXX, and Experian is affiliated, it has still violated the provisions of FCRA. 

PuUnder5 USC 1681a ( D ) ( 2 ) ( A ) ( iii ), the Consumer Report will not include any formation communicated among persons related by common ownership or affiliated by corporate control.

Further, 15, USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws.

I hereby request you to remove the below-mentioned information from my Consumer Report ; XXXX XXXX and XXXX XXXX auto If you accept my request, I will not escalate this matter to a federal complaint. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX  XXXX Account name ' XXXX 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 supposed to modify accounts that aren't reporting correctly.

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 42 USC 408 Asking for any Social security number on any loan is fraud and a violation of RICO 15 USC 1666b there is no such thing as late payments and I personally can name several others as well like we are the credit and the debt. I would honestly respect if you all respect the law...
Product: Payday loan, title loan, or personal loan

Payment Date Status Amount Principal Interest Fees XX/XX/XXXX Returned {$210.00} {$0.00} {$210.00} {$0.00} XX/XX/XXXX Paid {$200.00} {$0.00} {$200.00} {$0.00} XX/XX/XXXX Returned {$210.00} {$0.00} {$210.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$0.00} {$210.00} {$0.00} XX/XX/XXXX Returned {$210.00} {$26.00} {$190.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$21.00} {$190.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$18.00} {$190.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$14.00} {$200.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$12.00} {$200.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$10.00} {$200.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$8.00} {$200.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$6.00} {$210.00} {$0.00} I have tried to call them to settle the debt. the first lady said i could settle the debt for the amount I had gotten for the loan which is XXXX. I have already paid this company nearly double XXXX $ has already gone to them. I currently not working and am looking for a job. This also did not show up on my credit report of them checking my credit or even reporting it to the bureaus. I would like this to be taken care of but I do not know what to do. They told me i still owe them another XXXX XXXX that is double of what I borrowed.
Product: Credit card

XX/XX/XXXX during the Holiday season Walmart approved me for a credit card without any income verification. Since then I have paid my account on time and paid off the entire balance twice. In XXXX XXXX I actually paid my account twice XX/XX/XXXX and XX/XX/XXXX although payment was due on XXXX XXXX which was a Sunday. In XX/XX/XXXX I was charged a late fee but I was given credit on XXXX/XXXX/XXXX. In XXXX my credit limit was decreased to {$400.00} without any justification, I called customer service to dispute the matter and after verifying my net income, Walmart declined to increase my limit again to {$500.00}. XX/XX/XXXX XXXX increased my credit limit to {$1000.00} because I 'm a good customer. I have been a good customer to Walmart also. Since obtaining the Walmart credit card in XXXX XXXX, I have actually lowered my debts and increased my credit score. Walmart reduced my credit limit unfairly. Walmart is using deceptive practices in providing quick credit approvals then re-tracking themselves after 6 months of paid interest at 23 %. The approval in XX/XX/XXXX at the {$500.00} limit was based solely on my zip code, nothing else was asked.
Product: Mortgage

I confirmed via phone, multiple times, a passed due loan amount of exactly {$65000.00}, ( a pay off quote for my 2nd mortgage ), with Select portfolio Servicing ( SPS ), during the last week of XXXXXXXX XXXX. I was given a due date of XX/XX/2023. I paid the debt on XX/XX/2023 around XXXX, via wire transfer, which cost me a bank fee of {$30.00}. I confirmed with SPS within the next 48 hours, that they had received the payment, as my bank account showed that the funds were withdrawn. On the evening of XX/XX/2023, I discovered that the payment was returned to my account. I contacted SPS around XXXX the following morning. I was told that I had paid an insufficient amount, thus the payment was returned. I explained that my payment, was the exact payment I was directed by SPS to pay. I then asked to speak with a manager XXXX XXXX XXXX, who told me that she would escalate the matter to another department, and contact me with a decision. I told her that I would check on the status after 2 hours. When I checked on the status, I found out that the manager had requested that the bank accept less of a payment than what I owed, which was not my request. I asked the agent who gave me the update, to correct the request, to reflect that I was seeking a refund of my wire transfer fee, and that no additional interest fees are added, as the misinformation from SPS led to the return payment. She said that the bank would likely decline that request, and they would not discount any fees, or return any fees. This led to my complaint here today. 


Thank you XXXX XXXX ( name on SPS account )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of consumer and identity theft fraud. Police Report Number : XXXX. Please find the attached police report. It was filed at XXXX Police Department on XX/XX/XXXX. Complaint with the Bureau of Consumer Frauds and Protection New York Attorney General file number XXXX on XX/XX/XXXX. New Jersey Attorney General Complaint Number XXXX. Federal Trade Commission complaint number : XXXX Please place a credit freeze on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. Experian stated in an INTERIM RESPONSE on XX/XX/XXXX in CFPB complaint number XXXX : " Unfortunately, at this time, we are unable to process your disputes, as they are not specific ''. 
I did ask specifically to place a security freeze on all my credit reports and I attached XXXX Police Report XXXX. Experian is INTENTIONALLY delaying the process and they will be liable for all financial losses I incur because of their reckless behavior. Experian will be liable for all attorney fees when I file a lawsuit against them in addition to all financial damages and legal fees and fines. I am already in contact with lawyers and wait until you get what you deserve Experian! I may track all Experian employees who where handling my case and I may charge them with criminal charges. 

You will be hold accountable in court. This is not just a civil case and it implies criminal charges. Experian will be liable too for those criminal charges if they do n't act accordingly and place a security freeze in the NEXT 48 hours of receiving this complaint. I DARE YOU! XX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX ( inquiry XX/XX/2019 ), XXXX ( XX/XX/2019 ), and Experian XXXX XXXX  ( XX/XX/2019. I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Product: Vehicle loan or lease

Complaint : Exeter Finance Auto Loan! 

I managed to actually hold up my auto payment of {$520.00} month, until I lost my job ( XXXX XXXX, however I would still make my payments within that month, maybe not on the exact due date, but I made my payment within a 29 day period before it will rollover to next month. I called them about making payments arrangements for the month of XXXX, they would not even give me a grace period or forbearance ( my first time asking ) ... They are a very rude lender company and don't mention anything about Covid 19 relief to there consumers or even on there website ( www.exeterfinance.com ). 

I Also been paying my auto loan and it still seems like it's still at the purchase Price, they need to remove the late payment of my credit profile through all bureaus, as I still pay. This has affected my credit tremendously and I have really good credit. And by looking at the better business bureau they got revoked. 

Please take my complaint into consideration thank you. This company is really faulty and they take advantage of their consumers.
Product: Mortgage

I refinanced my mortgage thru a mortgage broker who sold my loan to Home Point Financial. It is clearly stated in my mortgage contract that the mortgage company was to pay my property taxes and insurance thru my escrow account. The first quarterly tax payment was due XX/XX/2020. Home Point Financial neglected to make that payment even though they collected the money from me and placed it in my Escrow account. They incurred a penalty charge from the town of {$270.00} that I had to pay to keep my account in good standing. In the last correspondence from Home Point Financial regarding this issue, they stated : " Our records indicate the escrow account only includes property insurance. '' " The property taxes are non-escrowed and are the homeowners responsibility. '' Both of these statements are incorrect. I have a copy of the mortgage contract, statements, penalty charge and proof of payment of the penalty charge. 

Home Point Financial has since approved closing my escrow account so that I may make all tax and insurance payments myself going forward as I do not trust them to do this for me.
Product: Bank account or service

On XXXX/XXXX/15, XXXX checks were deposited into a longstanding business account equaling {$4100.00}. BB & T Commercial Bank then closed the account the day after and decided to keep the money that belongs to my business for as long as THEY WANT TO! When I realized that my account was closed on the XXXX of XXXX, I went to the bank to find out what happened. The bank manager REFUSED TO REINSTATE MY ACCOUNT without giving a valid reason for this behavior and claimed that the money will be mailed out to our address on XXXX XXXX, which is far too long into our future, not to mention waiting an extra 5 days for mail AND no way to cash it! My business relys heavily on this account having {$4100.00} in it NOW! If they do not pay me now, my business is at RISK! I know it must be illegal to hijack {$4100.00} from a patron while making interest the entire time.