23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

first and foremost I thank this company for keeping my information safe. The reason for my writing is to inform you that I wrote to this company on XXXX.18 to request the removal of a fraud alert on my report. 

On seeing that they were not responding on my request. I even went a step further to call this company and they agreed to delete the Fraud alert only not to honor my request to date. 

I am attaching the request I sent them earlier as proof of my willingness to have this issue resolved. 

For yet another time please remove the fraud alert on my report as soon as possible.
Product: Credit card or prepaid card

I overpaid on my credit card and had a credit balance of {$2600.00} on my last statement dated XXXX. I called FNBO to get a refund on XX/XX/. The person I spoke with was unsure of how to go about getting me a refund and put me on hold to check. When she came back on she said that they can do that and that she would put in a request with their accounting department. I waited and called back again a week later on XXXX  since nothing was done. The person I spoke with said that she sees that the request was made and that I would just have to wait for the accounting department to process it. It's been 2 weeks since my initial call and there is still a credit balance on the account which means they still haven't done anything about it.
Product: Mortgage

I am in the XXXX XXXX industry. I understand exactly banks work and how payments are to work. I have been trying to pay down my mortgage with Wells Fargo. They have continued to make mistakes on how the payments are to apply. They then transfer me from department to department. Because of this, I have been charge more interest on the loan amount then what I should have been. 
I have been paying the mortgage via online banking. It in XX/XX/2018. Instead of paying the additional funds as part of my check, they kept the remaining balance after paying the payment in a non bearing interest account. Never notified me. My check was cashed therefore I would not know they did this. THen I received my statement for XXXX, where showed funds had not been applied. I then contacted them, THe customerservice who is not trained ( big part of the problem at Wells Fargo advised me that he will fix the problem. I explain to him not only does have to get the funds to pay additional on the principal, but needs to get the loan recalculated because I was over charge on the principal balance. I get my next statement. Now the XXXX statement comes,. Not only did they reverse the payments and take the entire payment including the regular payment which includes interest and escrow, they applied 100 % to the principal. ANd they went charge me a late of {$76.00} I was told this was escalated to the executive branch. What does that mean. Instead waiting for them to send me a corrective statement for XXXX, I send in my payment this time hard copy. No more online because are trying to force me into opening up a bank account with them. Not going to do that. So I use their payment stub at the bottom of their mortgage statement. I break down the payment. Out of check, the first line is for the regular payment. The next line is for additional principal payment. Their payment stub. I now get a new statement and it says my next payment is due XXXX. I just paid the XXXX. Of course that is wrong. It should be XXXX. I look at the statement. Instead of following what was clearly broken, tinstead of paying the regular payment and applying the rest towards the principal. They take funds my check and apply towards XXXX and XXXX. Therefore reducing amount I wanted towards principal. I get on the phone again. Speak to a woman names aXXXX who told me she was a supervisor out of California. I go explain to her ( this after the customer service person had no idea what I was speaking about ), and she starts with reading me notes from the past. Nothing to due with the current issue. I now demand that she correct this payment. TO send me a new payment for XXXX with the proper credit on interest. This has to stop. And she to try to get me to open up an account at Wells which would make easier for me to make my payments. You need to get involved. How more consumers who do not even have my education or back ground has to continue going through these issueswith Wells. It is obvious their tactics are to use any means to open up new accounts. I want to hear back on this. This will stop.
Product: Mortgage

Freedom Mortgage began the foreclosure proceedings after receiving the Louisiana HAF payment. They applied the payment late, as the payment was remitted in XXXX of XXXX, and they applied the funds in XX/XX/XXXX. They then sent notice that they would not be foreclosing. The HAF program told us that we were to have a loan modification, but Freedom never sent one. They only sent vague loss migration documents that were from a part of their company thats no longer licensed. On XX/XX/XXXX, we received a letter from XXXX XXXX, XXXX as counsel for Freedom Mortgage Corporation, acting as debt collector, seeking to validate the debt of arrears. I sent an email through the response portal to XXXX XXXX, and on XX/XX/XXXX, they had already submitted a request for Executory Foreclosure. This was signed by the judge on XX/XX/XXXX. Their proof in filing was an along to the promissory note, endorsed by the loan originator ( who is listed as lender and nominee for XXXX  ), and the mortgage. I sent a Respa request through their counsel for proof of loan ( as they are stating we have a USDA loan and its been confirmed repeatedly that we do not, by the USDA themselves ), and for a full accounting from loan inception, including canceled checks, payments to whomever holds the loan, etc. We received a letter/packet at the end of XXXX stating that the loan was USDA ( again, it isnt ) and that it is in a XXXX XXXX XXXX XXXX Freedom claims to remit payment to XXXX XXXX and that XXXX XXXX then disperses payments to investors. XXXX has told us repeatedly that they do NOT do this. Freedom refuses to provide us with the servicing contract for XXXX XXXX, or provide any type of identification to validate that the loan is actually in a XXXX XXXX pool. XXXX XXXX provides consumers with an account set up and tools to search for their loans in the pools. You need the identifiers, such as pool ID or XXXX. In accordance with the XXXX  migration that Freedom provided us the last time we lodged a complaint against them, XXXX XXXX closed the loan and took full possession of it on XX/XX/XXXX. This was due to a deficiency or defect that the originator was to have fixed. If they did not, and they didnt, then the loan was considered in default on the part of the LENDER and the LENDER was responsible for repayment to XXXX.we, the borrowers, we NO longer responsible for remittance. Freedom Mortgage did NOT notify us, and continued to take our payments and steal our money. They are now demanding that the writ and seizure be served upon us. We need help and no lawyer will take this because its too large, and we dont have the money. Freedom Mortgage is once again in contempt of court orders from CFPB!!!
Product: Credit reporting or other personal consumer reports

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

I am trying to get pre qualified for a home loan and when my reports were pulled by the lender it was found that Equifax is not reporting a credit score or generating a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name XXXX XXXX Account number : XXXX I recently received a copy of my consumer report, and I noticed some late payments posted on my accounts. By law, pertaining to the CARES ACT, accommodations were made to my account and ive been current since, and late payments should have not been reported and is a clear violation to my rights as a CONSUMER. I have never missed a payment in the month of XX/XX/XXXX or any months AFTER. I have been affected by XXXX XXXX Please update the month of XX/XX/XXXX. PLEASE UPDATE to either ON TIME, NO DATA/DATA UNAVAILABLE, or DELETE ACCOUNT altogether : The following supporting documents are enclosed for your review : 5. CARES ACT 6. 15 USC 1666 ( BILLING ERROR ) 7. 15 USC 1681 C-1 8. 15 USC 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

this two 1.Account Number XXXX Account Type Installment Loan this account 2.Account Number XXXXAccount Type Credit Card Terms Revolving with XXXX XXXX XXXX was paid and Closed as of XX/XX/2017 both account 's
Product: Checking or savings account

I think someone is trying to open an account in my name.
Product: Credit reporting or other personal consumer reports

I have 3 bank loans that randomly showed up on my credit report. I have attached my credit reports. These accounts were opened fraudulently using my personal data. I'm highly upset as this has lowered my credit score. All I do is work and pay my bills so this should have never been added to any of my credit accounts. I wish to resolved and remove immediately.
Product: Credit reporting or other personal consumer reports

I have XXXXXXXX XXXX account, which is provided by XXXXXXXX XXXX. I had automatic payments set up using XXXX checking account, which worked perfectly for a couple of years. In XX/XX/2023, I opened a new checking account with XXXXXXXX XXXX and closed the XXXX account, and added the XXXX account as payment method on the XXXX XXXX website. But the website wasn't letting me delete the XXXXXXXX XXXX and set up XXXX as the default payment account. I have made a video proving that the website wasn't letting me do this, which I'll share. Even after a few months also the website was not letting me do it. That goes out to say how much they care about quality control of their services that they didn't notice and fix a serious issue on their website. But I made sure that the automatic payments were on and that the XXXXXXXX XXXX was set up as one of the payment accounts. But they kept trying XXXX XXXX for payment, which, obviously, kept getting declined, because the account was closed. 
They sent me emails, but never sent me a physical letter of the issue. I think, its the duty of the lender to make sure they send, at least, one physical letter to the customer, even if I have e-statements set up on the account, before informing the credit bureaus of late payment and ruining my credit. Its also a duty of the lender that if they claim that they provide automatic payments on the account, to make sure that their website is functioning correctly to achieve that. I have had no late payments on my credit report all my life. And I can provide my credit report to you to prove that, if needed. Because, the websites of all the other lenders work perfectly. 
I have reached out to their customer service dept, and their credit dispute dept. first. The credit dispute dept claims that they sent me a response, which, I swear to God, I did not receive. Then I escalated to their second level of customer service, the contact of which was given to me by one of the supervisors at the customer service dept. I even shared the video showing how their website wasn't working properly. They sent me a very indifferent, 2 line email reply claiming that what they did was correct. I replied to them again, but got no response. Then I reached out the their third level of senior customer service. They did the investigation and sent me a resolution letter, but mentioned nothing about the faulty website and claimed that the reporting to the credit bureau of late payment will remain. 
By the way, I only had around {$200.00} balance on my account, which I paid in full as soon as I found out of the credit reporting. 

Here 's the link to the video. You have to click on the link and then a little window pops up underneath the link and then you click that, which opens up the video in XXXX. If the link doesn't let you click, then you'll have to copy and paste the link in your internet browser. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple complaints thru CFPB and FTC but I don't see why this 9 inquiries I didn't authorized are still on my credit report when I have done my part. I've check this and reach out to the creditors that I am not aware and have no knowledge with this.
Product: Mortgage

When the covid shutdown occurred in XXXX, I asked for a forbearance from First United Bank every week for at least 2-3 months and was told every time " NO, our investors are not allowing that. '' After a few months of not being able to work, we bounced a check bc we had XXXX  income coming in. At that time, I called and they notified me " yes, we HAVE been allowing forbearance .... '' At this time, I was able to open my businesses again so I began to play catch up on my mortgage to get me " current '' I kept my account on the forbearance plan because I was told that I had to pay the entire 3 months that I was late on IN FULL if I ever got off of the forbearance plan. Each month, I paid an additional {$400.00} to close the gap. Eventually, after about a year, I was told that I could get off of the " loss mitigation plan '' move the 3 months that I was behind on to the end of my loan and that would make my account " current. '' First United Bank sent me a contract laying out the plan to move the 3 months owed to the end of my loan period in XXXX. It was signed on XX/XX/XXXX. 

Meanwhile, every mortgage payment that I made during this " loss mitigation/forbearance period '' was NOT applied to my balance. Instead, they kept it in a non-interest earning account they labeled as " Suspense Balance. '' Nothing was ever applied to my principal, yet I was still being charged interest. When they received the signed documents on XX/XX/XXXX, instead of moving the 3 months balance that I owed to the end of my loan, they took the " suspense balance '' being held, and applied it to those months, and then called me to let me know that I was late on my mortgage payments and owed $ XXXX + and that if I did not pay immediately, that I would be sent to collections or be foreclosed upon. I had JUST made a payment on XX/XX/XXXX so I called and asked what happened to all of the mortgage payments I had been making. 

The bank misappropriated ALL of my mortgage payments to go towards the 3 months that I missed in XXXX during the " forebearance '' period, even though they had a contract stating otherwise. When I called customer service, they told me " it was a simple misunderstanding, someone messed up. It will be corrected in 2-3 months. '' It has been almost 3 months, and every time that I call, they tell me that a manager is unable to speak with me and that I should keep trying back or that they'll call me " in a few days. '' Currently, they are withholding {$18000.00} in a non-interest earning " suspense balance '' account that has not gone towards ANYTHING. I am being charged interest on my loan. I currently have two outstanding " late fees '' even though I was never late. And have gotten no answer or responses to my concerns. 

In addition, if that {$18000.00} WERE to be applied to my mortgage, that would take me out of the 78 % threshold that would take me out of PMI, but since it has not been applied, I am STILL being charged PMI on my loan as well. 

Please help me get some answers
Product: Credit reporting, credit repair services, or other personal consumer reports

On *date letter was sent on the dispute* i sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later i have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile XXXX, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXX Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing XXXX XXXX XXXX XXXX  Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a co applicant on my home equity aka mortgage for the last 20 years and it does not show up on my credit report and never has and it has negatively affected my credit all these years. The primary person has it show up on his credit report and I notified the bank to no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Urgent Request for Resolution Regarding Unauthorized Credit Card Reporting Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the continued reporting of a credit card account in my name by XXXX XXXX XXXX XXXX XXXX despite my repeated requests for its removal. 

Earlier this year in XXXX specifically, I mailed in an authorization notice, called, and even sent written communication requesting that this credit card be removed from my account ( See attached Request form from Back then ). I was assured by your representative that the credit reporting associated with this card would no longer reflect on my XXXX XXXX. Unfortunately, despite these assurances, the issue has not been resolved.

Recently, while applying for a loan, I discovered that this erroneous credit card is still being reported, which has adversely affected my credit score. This situation is not only causing unnecessary stress but is also damaging my financial standing. 

It is clear to me that the systems in place at XXXX XXXX XXXX XXXX are failing to address this matter appropriately. As a result, I am escalating this issue through the Consumer Financial Protection Bureau ( CFPB ) to ensure that it receives the attention it deserves. 

I demand immediate action to correct this error and to remove any adverse information related to this unauthorized credit card from my credit report. Please provide me with written confirmation that this matter has been fully resolved and that my credit score will not be negatively impacted by this issue in the future. 

Thank you for your prompt attention to this critical matter. 

Sincerely, XXXX XXXX