23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My bank had put an emergency hold on my checking account which I was not aware of for several weeks. I would go to make a payment on my card and the credit card company indicated the payment was received and the credit was then available to use. But then due to the bank having a hold and the credit card not knowing payment stopped and I had already used the credit available on the card. So the card went over the limit. I was unaware of this happening and they closed my account without informing me. There was not need to close my account. I had never made late payments for the two years that I had the credit card. I also have funds available and I paid the card in full. I am still getting penalized for paying card in full. I would like my credit line restore and my credit score fixed because this has ruined my credit score. I think this is completely unfair.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 Security Finance of XXXX contacted my mother ( I am XXXX years old so definitely not a minor ) because she was on my reference list. They then disclosed exactly how much was overdue on my account and how late it was behind. My understanding is that this disclosure of information is illegal since I am not a minor. I have not given them permission to discuss my account information with anyone other than myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted to Equifax on XX/XX/XXXX a fraud affidavit and police report that someone used my name to go to XXXX Hospital they received it and put a fraud alert in my report. In XX/XX/XXXX, I mailed it in again because now this item along with another medical bill that 's not mine is on my credit report.
I received a letter this data was verified and I sent a letter saying tell me how you verified it when I know for a fact I have never been to this hospital and do n't even know where it 's located.
I also see unauthorized inquiries that are on my report that I did not authorize from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX ( duplicate pull ).
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history with ( CREDITOR NAME ) 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 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 ( MONTHS REPORTING LATE ) 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 XXXX ( 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I sent my first dispute letter to Experian. Altogether I sent 3 rounds. This account is invalid. The last name on this account is incorrect. Below is the dispute letter I've sent. I asked that they verify and validate all data on this account. I have yet to receive proof of validation. 

Dispute Letter Section XXXX Round 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian, as I analyze my credit report, I am shocked to see the numerous errors you have listed. I am writing to have you remove them immediately. 

The following account needs to be removed immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Please verify and validate all data for this account. Every notation, dates and balances, whether reported or not. 

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address. 

Attachment : 1. Copy of my Social Security Card 2. Copy of my Driver 's License 3. Copy of my Utility Bill I, hereby, attest that, to the best of my knowledge and belief, the above information is true and correct. 
_______________________________________________________________ Signature NOTICE Notary Public is not an attorney licensed to practice law and has not given legal advice or accepted fees for legal advice ; provided no assistance in the preparation of the above referenced documents, and has no interest in any issue referenced therein. Notary is not a party to this action and is only acting in an authorized capacity as liaison to communications between the parties. Using a notary on this document does not constitute an adhesion, nor does it alter my status in any manner. The purpose for notary is verification and identification only and not for entrance into any foreign jurisdiction. 
WITNESS my hand and official seal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. Thry wanted to verify to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX   and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$54.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company in which I hold no contract with nor have received services from reported a collection account against my Social Security Number in the amount of {$5400.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested verification and validation of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On date XX/XX/2022, I sent XXXX, XXXX and equifax a letter disputing the validity of my bankruptcy they are reporting on my credit report. They responded with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX  could not verify this item so they deleted it from there database. 

I then went back to XXXX, XXXX and equifax on XX/XX/2022 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified their item it need to be deleted regarding to the FCRA. They have once again refused to delete item which is Imploding on my ability to purchase a home and costing me lots of money in interest every year. I also asked them to delete addresses that were incorrect on my credit with proof that Ive never stayed there and they still refuse to delete it. 

The addresses and bankruptcy needs to be deleted from my credit report if it cant be verified within 30 days. Its already hard enough out as is and they are making things harder for not only me but my children due to reporting false information. Addresses that does not pertains to XXXX XXXX needs to be deleted and so does the bankruptcy
Product: Debt collection

NAVY FEDERAL has not provided me my 1099-C for a charge-off/written-off account which is required by the IRS. NAVY FEDERAL said that they do not have to which is deceptive and misleading. They did not provide me with documentary evidence pursuant to 15 usc 44. They compiled billing statements that did not prove any alleged debt. I a not asking you to " verify '' anything. NAVY FEDERALS policy does not supersede federal law. 

GA code XXXX states any " debt '' that is the result of a promissory note has a statute of limitations of XXXX  NAVY FEDERAL is still reporting this charge-off/collection account to all credit reporting agencies. NAVY FEDERAL has continued unfair debt collection practices and has caused me great harm financially and has ruined my reputation as a consumer by furnishing this inaccurate, outdated, and unvalidated information. 

This action by NAVY FEDERAL, reporting collections/charge-offs, late payments, and other derogatory information on my consumer reports, is in direct violation of 26 USC 6050P, which pertains to Returns Related to the Cancellation of Indebtedness by Certain Entities.

In light of the above, I kindly request that NAVY FEDERAL take immediate action to rectify this situation by removing the derogatory account information from my consumer reports within 14 days of receiving this letter. Failure to do so will leave me with no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all individuals and corporations involved in this matter.
Product: Mortgage

We closed in XX/XX/2020. There was significant checks involved with upwards of 15 to 20 creditors. The company New American Funding New American Funding - ( XXXX, CA XXXX ) did not pay off my creditors directly, rather mailed checks I got a week later. There was one errant account included that grossed up my mortgage by ( XXXX. They have since taken it back but I still have no replacement funds either reducing or a cash back ). I sent all large checks - {$800.00} plus to the credit card companies with tracking - USPS lost one - so now I have another {$1000.00} lost. Because of their business practices that favor their bank account balances by forcing a MONTH OF FLOAT! I am paying interest on some debt in 2 PLACES!!!! 

I feel that this is illegal.
Product: Debt collection

Received text tonight at XXXX. Do not know what debt this is in reference to the message is very vague but they should not be contacting anyone at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX started a car finance account contract XX/XX/XXXX. They were dissolved as a car finance company at that time. And were also operating as a business internationally. Which is conflictual XXXX. Reporting the amount owed as over XXXX and as a charge off. I voluntarily gave up the car because i paid for it 6 years off a XXXX contract and was due to complete the car payments XX/XX/XXXX. And asked for an early payoff amount. But XXXX said no early pay off. And after 6 years at {$390.00}. Monthly I still owed over {$13000.00} with as they said payments to go on until XXXX. Thats 12 years of car payments! Thats illegal!!!! 

XXXX. Sent Experian proof of bogus fraudulent contract. And the copy of the legal ad announcement of the finance company dissolving its business before they went into contract with me. And Experian upheld the fraud and ignored the documents! 

XXXX. This was on my credit report for 7 years. And Experian renewed the reporting to XX/XX/XXXX!. So its on my credit file for 12 years!!! Experian is reporting erroneous and obsolete information intentionally and needs to be sued!!! 

XXXX. I disputed the out dated reportings, and the erroneous information and the incorrect amounts the finance company is reporting. And they have the vehicle. So how can it be a charge off, and a debt!!!!????? 

XXXX. I plan to pursue any legal actions possible against XXXX and Experian for collaborating to conspire against consumers in efforts to discredit and create intentional and uncessary financial heartship, and XXXX. 

Please look at all the consumer reviews againt XXXX XXXX XXXX, and Experian!!
Product: Payday loan, title loan, or personal loan

I'm XXXX XXXX get XXXX check every month on it for learning XXXX can't read spell I even have use XXXX on my phone to say what I need to I did a title loan through titlemax in XXXX Texas where the employee woman read things to me under my understandment I make monthly payments on my vehicle go tword my loan I had gotten at the time due to recently being diagnosed with XXXX XXXX I was told I make my payments tword my loan every month till was paid off only to find out my payment have not went tword my loan and they wanted me to pay double my amount almost XXXX dollars for being 7 days late on my payment sick with XXXX in my XXXX when I spoke to a woman from the local office I told them that XXXX dollar payment was ubsurbe considering I'm full XXXX don't get enough month they agreed by pHone allow me to make a payment on XXXX first and my car was not supposed be on repo list my car was repod last night XX/XX/2023 now saying I have pay payoff amount of XXXX when my payoff amount was XXXX now have no way getting to my XXXX or XXXX doctor Tittle max is saying they don't know where my car is or who even towed it so I can get my belongings out that contain to my oxygen I feel I am being completely tooken advantage of I have XXXX grandkids live with me as well I care for
Product: Mortgage

I'm filing a complaint against PHH Mortgage who is servicing my 2nd mortgage for breaching the terms of our loan agreement ( Mortgage note ) by not applying my payment to principal. I sent in a payment to be applied to my principal that they received on XX/XX/2021 ( according to my bank ) after not seeing it applied I called PHH Mortgage on XX/XX/XXXX, I was relieved that they HAD received my check and that it was to be applied to the principal. However, they mailed the check back to me instead. My complaint is they refused to apply my check to my principal balance. They returned the check and stating they needed certified funds. 

In my Note 4. Borrowers Right to Prepay states that I may make a full prepayment or partial Prepayments without paying any Prepaying charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under Note. 
After I was assured that they received the payment via phone call to them on XX/XX/2021, I received a letter in the mail on XX/XX/2021 with my check in the amount of {$10000.00}. I immediately called and spoke to XXXX  XXXX and was quite livid that they refused to apply my check to my principal balance. They informed me because it was the full principal balance they could not apply it and they have a procedure for paying off the balance. There is nothing in our agreement that states I can not prepay the full balance. When I asked XXXX what amount they would accept as a prepayment he did not have an exact amount allowed. The reason they want the certified amount is to have guaranteed funds that the check wont bounce. One could delay showing loan balance is XXXX after the allotted time ( which they did anyways with sending my check back!! ). I responded the escalation agent if that was the case then just wait until the funds are secure to know. There is no agreement in my note for the Lender to require THEIR OWN PROCESS for me to pay my full principal balance. This is a breach of their agreement. A way to charge more in fees and interest in requiring a payoff. There is nothing stating I need a payoff amount sent to me by them. 
Im tired of financial institutions taking advantage of people, it is unfair for them to not apply payments to principals correctly. This has happened to me in past, it seems to be bad practice with loan servicers for misapplying funds to principal. In Order for me to only pay that amount they are REQUIRING ME to get a pay-off statement ( and it will come with additional interest for XXXX and fees ). I should have no interest to pay in XXXX as the principal should have been paid. Don't they have to follow our agreement and apply my check to the principal?
Product: Mortgage

In XX/XX/2006 my ( now ex- ) husband and I refinanced our home. This included a XXXX mortgage/home equity line of credit. As indicated on our closing documents, this was to have a variable interest rate. The mortgage was sold XXXX times. When the XXXX lien holder took over, we were informed that we had unpaid interest of {$14000.00}. We did not understand how we could have that much interest unpaid on a 6 year loan, as we were current on the loan when the third company took over. In my investigating into this matter, I learned that the second lien holder does charge interest. We have no control over who our mortgage gets sold to ( we 're now on our XXXX lien holder ), but we do expect the interest to be applied like it 's supposed to be.
Product: Credit reporting, credit repair services, 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. 
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 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 card

For XXXX months now i've been trying to resolve a factual fraudulent goldmanSachs XXXX, XXXX. Escalating several times with GS XXXX representatives, as GS XXXX XXXX XXXX charge to my card and then taking it off XXXX times now, over XXXX months. when I try to escalate by requesting to speak with the actual security department or leadership all attempts fail and the XXXX reps simply reopen the same dispute the same way, as if previous disputes never happened. I now have XXXX different dispute numbers as it's the only thing the GS XXXX gatekeepers will permit to occur. This is after going through approximately XXXX reps each attempt to call or chat as the GS reps simply drop off or disconnect when I say that i want to speak with a security rep about the existing dispute closed. 
In addition, I've asked for the documentation proof for the reason in putting the charge back on my card. GS mails to me completely made up pieces of paper and fake invoices with erroneous details not relative to me, & false/invalid tracking numbers. As if there is no GS auditing dept, no actual GS staff ( humans ) reviewing disputes for quality control, no validating of the proof I submitted that it's a fraudulent transaction. Further there is clearly no one at GoldmanSachs validating anything they mail to customers via XXXX. XXXX mailings GoldmanSachs attempts to use as proof needed to continue to charge customers for fraudulent transactions, but is merely papers made up out of the twilight zone. This is beyond a reasonable doubt the most fraudulent process of handling XXXX disputes & needs to be escalated to not only GoldmanSachs, also XXXX and XXXX corporate.
Product: Debt collection

XXXX XXXX XXXX - XXXX and TransUnion. I have been challenging this account with both companies XX/XX/2022, upon challenging this XXXX has deleted the account based on the lack of ability to properly verify all reported information being accurate. To my understanding the creditor reports the same information to all bureaus per FCRA. If this is true I am requesting information used to verify this account in writing. However Ive have sent disputes, and both companies keep updating the accounts and not sending me proof to verify the debt. I sent a complaint to CFPB about this same company and XXXX said they will handle the account still not verifying the account per dispute they sent in the mail. Also both companies XXXX and TransUnion both aren't reporting accurate information on this account, So how can they say they have finish their investigation with wrong information from both parties. THIS IS A VIOLATION.
Product: Mortgage

We have a fixed 30 year fixed mortgage with Home Bridge and have been paying $ XXXX month for many years. Suddenly our mortgage went up to {$4900.00} and we called Home Bridge to find out what happened. 

They said we had a {$7400.00} escrow shortage because they made a mistake on our property taxes. For some reason they were billing us half the property taxes but the township was paid in full. 

We are being held liable for these high payments since they spread the escrow shortage over 12 months and added to our monthly payments. 

The loan has been transferred to XXXX XXXX now. 

We have taken a personal loan with a high interest rate and paid off the escrow shortage. 

Do you think this is fair? 

How can we approach this? This is causing us a lot of stress. 

Any advice would be appreciated.
Product: Debt collection

I have provided written disputes with L.J. Ross collection agency on three different occasions requesting validation of alleged medical debt from XXXXXXXX XXXX XXXXXXXX of {$98.00} and {$140.00} on my XXXX, XXXX and XXXX credit reports. I was never sent validation of any contracts, signatures or copies identification card. I was sent details of hospital bills only. These are not my debts and are not associated with me. This is a violation of the Fair credit Reporting Act and Fair Debt collection Practices act for failure to validate any of the alleged debts. I am requesting these debt be deleted from each credit reporting bureau. I also have all written communication betweenL.J.Ross and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries listed on my credit report. I have identified the following inquiries that were made without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPARTMENT OF EDUCATION SHOWS A BALANCE AND IT IS A POSITIVE PAID IN FULL ACCOUNT