23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Roundpoint Mortgage intentionally misapplied an additional principal payment as a regular payment for the next month. They charged advance interest in doing so. This misapplication is apparently an intentional error whenever an excess payment amount is at least enough to cover the next month 's payment. This is based on conversation with their representative and also a supervisor. The misapplication of additional principal leads to consumers paying interest in advance that is not due on incorrect principal balances. Obviously, this is a potential profit center for any mortgage service and especially one the size of Roundpoint Mortgage. The company has said they will rectify the error and note my account. When asked if this is how they process all accounts, the supervisor said she does not know and would bring it up to the " Cash Team ''. This is something that deserves a look by the enforcement authorities at  CFPB. From my conversation with Roundpoint, I would highly doubt mine is an isolated error. Date of payment XX/XX/18. Date of call XX/XX/18. Amount of payment Due {$730.00}. Amount of payment made {$1700.00}. amount of advance interest charged {$310.00}. Amount of principal not applied to balance {$1000.00}.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2021, Title Max deceived a client by calling an online loan a 'Personal Loan ', but in the loan documents, addressing it as a SECONDARY MOTOR VEHICLE FINANCE REGISTRATION LOAN CONTRACT. The online loan description does not align with what the contract itself states, as online it clearly says, " Get a Personal Loan Without Collateral '' yet in another section online it mentioned, " In AZ, a valid AZ vehicle registration in your name. '' The registration is weirdly called 'collateral ' in the loan documents, not making sense or adding up to what is stated on Title Max 's website. The overall wording is believed to be purposefully confusing to consumers. Not only did Title Max not be truthful regarding collateral or the type of loan it was giving out, the {$200.00} loan documents also have a section regarding repossession, page 5 of 11. Title Max states " Lender 's Rights '' in section 12 on page 5, but they are not legally allowed to repossess a vehicle that already has a lien on it and is currently being financed by another financial company. A Registration Loan is not a Title Loan, as they do not own or have the vehicle title whatsoever, just a verified vehicle registration. Title Max does not in fact, have that repossession right in this case. Again, Title Max being untruthful and deploying deceptive tactics to its customers.
Product: Student loan

I received a notice from Mohela yesterday XXXX XX/XX/XXXX that said " Our records indicate that your XXXX billing statement was sent beyond the normal 21 days prior to the due date.Your automatic payment via auto debit successfully withdrew from your designated account in XX/XX/XXXX. 
If you feel as through the amount you owed for the month of XXXX was incorrect or that no payment was due on your account, you may contact us within 90 calendar days of the date of this notice to request a refund and forbearance will be applied for that month. '' I am alarmed that my federal student loan provider Mohela would have no idea if I overpaid my loan in XXXX, and are only now informing me now 8 months later. The most frustrating aspect of this communication is the term " if you feel ... ''. I FEEL that my provider, who receives XXXX of XXXX  of dollars from the US government to service these loans, should be able to tell me if I have overpaid or not. There is no 'feeling ' when it comes to accounting. I now have absolutely no faith in Mohela, and worry that the nearly {$500.00} a month I am paying to my loans are being serviced accurately to my multiple loans. I am not responding to Mohela because I honestly have no time to go back to my records from 8 months ago and look into this to let them know what errors they may have made. I work full-time to ensure my loans are paid every month. The onus should be on them to let me know, not vice versa. If they can't tell me that, they should refund everyone their XXXX payment, and they can take the hit for that month.
Product: Credit card or prepaid card

I have called Total Visa credit card company to close my account and send a final bill. Instead they continue to keep it open to tack on additional fees
Product: Student loan

Category Contemplated in Section 2.05 of Regulation S : I believe that the securities associated with my account fall within the scope of Section 2.05 of Regulation S, which pertains to offerings and sales of securities outside the United States. I request that MOHELA thoroughly assess the eligibility of my account under this regulation.

Deprivation of Rights : My continued obligation to repay this debt is causing undue financial burden and depriving me of my inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. As such, I assert my right to request debt discharge under applicable regulations.

By Section 611 of the FCRA provides your rights to dispute inaccurate information on your credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  took my money in agreement to remove item from my credit report, but have fail to do so. And has continue to report faults/and inaccurate information. I consider this to be a defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602

States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost one year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been one year. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

Company is falsely accusing me and my spouse of a amount I do not owe
Product: Credit card

I've had an account with XXXX XXXX that underwent an audit a few years ago. Recently, I opened a credit card with Barclays, which is co-branded with XXXX. I linked my frequent flyer number to the card and earned a sign-up bonus. However, when I attempt to log in to my XXXX account to use the miles, it states that my account is still under audit and can not be accessed. 

In the meantime, I've fulfilled the necessary spending requirements to receive the bonus, but I can not utilize the earned miles.
Product: Debt collection

Based on the below facts, Simon 's Agency 's claim is fraudulent. This account needs to be completely removed from any credit bureaus. <P/>Simon 's Agency has failed to provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims been made by any creditor regarding this account. 4. Verification that this debt was assigned or sold to collector. 5. Complete accounting of alleged debt. 6. Commission for debt collector if collection efforts are successful. 7. FAILED TO PROVIDE LEGAL RIGHT OF SUBROGATION OF DEBT Simons Agency has not provided the legal right of subrogation of debt. A subrogation will not be allowed to the third party as it is only entitled to the insurance company. <P/>The insurance company would have the right of subrogation. A debt collector here Simons Agency can not have the right of subrogation because they are " a mere volunteer '' to the situation. SIMON 'S AGENCY had no loss. This is a case of insurance fraud by the original creditor because they got paid by the insurance company and sold a paid debt to a 3rd party. <P/>If XXXX XXXX XXXX ( XXXX )., charged it off, it means they wrote it off on their tax returns and received a tax credit so they got paid twice and then sold the debt. This is a case of INSURANCE FRAUD and TAX FRAUD. N.J.S.A. 12A:3-305 Subrogation will not be allowed to a third person who without any obligation to do so pays an indebtedness and this rule is fully applicable to payments of an indebtedness secured by a mortgage. '' ( for debt collectors ) also see title 15 usc 1691 I ( Federal Debt Collectors Protection Act ) which says " nothing in this title ( FDCPA ) shall be construed to authorize the bringing of legal action by debt collectors. '' When a debt collector misrepresents that it is a subrogee ( has the right of subrogation like an insurance company ) it is actionable ( see federal case XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). N.J.S.A. XXXX XXXX, XXXX XXXX without information or knowledge sufficient to form an opinion as to the truth or accuracy of SIMONS AGENCYS claim , and based on that denies generally and specifically SIMONS AGENCYS claim. <P/>ANY FURTHER MAILS OR THREATS OF THIS ALLEGED INVALID DEBT WILL BE SENT TO MY ATTORNEY FOR SUIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some addresses that still appear to be incorrect. I have the right to have an accurate report. I've enclosed documentation providing proof of my current address, as instructed to do on your website. I have tried to get it corrected before and still nothing has been done. Heres a list of the incorrect addresses that I am currently seeing listed below, 1 ) XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX There should only be one address on my report, that is : XXXX XXXX XXXX XXXX, Ga XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.
Product: Debt collection

I am unsure when this happened, the original debt, but I found out through XXXX XXXX recently not through anybody. 

I asked them to remove it as I got no notification from the hospital or IC SYSTEM INC. 

This was a debt that was suppose taken care of with Medicare as well. So this should never have been to collections, the hospital must have side stepped that.
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 SELF-REPORTED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX years. 

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

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a copy of the letter I sent to " Innovis XXXX XXXX '' Innovis XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report and all other personal information of mine. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me  written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Home Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " Innovis '' never responded or complied with my request. I will send them the letter again via certified mail.
Product: Checking or savings account

I filed a complaint with a representative over the phone regarding this matter already. Due to a mobile deposit back on XX/XX/2022, did not clear after 3-5 business ( not including weekends ) having many transactions being declined. Also, charging {$30.00} stop payment fees for every merchant knowing that I have overdraft protection ( not allowing for transactions if there's no available money in the account. I decided to close my account due to many discrepancies as when clearing in the account.
Product: Student loan

On XX/XX/XXXX I applied to consolidate my XXXX loans with the US dept of education at studentaid.gov. My XXXX loans were held by XXXX and I selected Aidvantage as the new servicer. I have called Aidvantage multiple times since XXXX and also again on XXXX, XX/XX/XXXX, and XX/XX/XXXX to ascertain the status of my consolidation. Each time I was told they are still waiting on my loan information from XXXX. I also called navient multiple times and they confirmed in writing that they provided my loan information to Aidvantage on XX/XX/XXXX, XXXX month ago. Aidvantage reps have give me inaccurate, incorrect, and most importantly, conflicting information every time i have called. I was told on XXXX they would request a review of my application and it would be processed within 10 days. It has now been almost 50 days since I applied to consolidate my loans with the dept of Ed and Aidvantage has been giving me different information regarding the status of my application every time I call. In fact, when I point out they are giving me incorrect information, they look at their records and apologize for misspeaking. I have escalated my inquiry to supervisors twice and I am still getting conflicting information and my application has still not been processed. I have been unable to speak with anyone with the ability to actually process my application. I applied before the XX/XX/XXXX deadline to qualify for loan forgiveness and if there is an injunction forthcoming at any upcoming trial which halts loan forgiveness, I will not be granted forgiveness due to Aidvantages lack of action and I will suffer damages which I intend to recoup.
Product: Credit card or prepaid card

I submitted a credit card application for a line of credit with Citi. Application # XXXX. I received a 'Decline of application ' notice dated XX/XX/XXXX.

I understand they have a right to refuse service and grant credit at their discretion. I have reason to believe their decision is discriminatory based on the fact that I had a mortgage contract where they aggressively foreclosed in XX/XX/XXXX. The impact of their explanation and the declination is more of a rejection rather than considering and objectively evaluating my current credit worthiness. I have a revolving gas card in good standing for 20 years+, that is a subsidiary with Citi , XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I 've tried to call the ph. # XXXX to inquire of their decision and they have no option for a live person conversation. I expected at least the courtesy to find out what is lacking, as they express desire " to be clear and helpful in explaining this decision ''. Not so. 
For these stated reasons I make a formal complaint to Citi and the staff.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer with the right to privacy. 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, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a XXXX from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payment and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. 
These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication 4681 The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for almost 6 years. Now it is XXXX and I'm not able to get my family what they need
Product: Credit card or prepaid card

I sold an item through XXXX XXXX global shipping program. Shortly after it was shipped and tracking was provided - the buyer opened a paypal dispute because she changed her mind. The disputed stated item was not received. This dispute was a violation of ebay policy as well as abuse of the paypal dispute process. The item was delivered and XXXX  is still holding funds because a dispute is open. The buyer is the only person with the power to move forward and is refusing all routes that would effectively close this and release funds. I've contacted the XXXX XXXX police department and advised this is either fraud or XXXX XXXX. XXXX is unable to act due to a dispute and the transaction has been linked back to XXXX XXXX - through a Paypal Mastercard. I've advised the bank on XXXX yet they are unwilling to provide any information or acknowledge possible abuse of their credit tool. Please step in and regulate the bank accordingly as there is evidence of ill behavior related to an international transaction that traces back to this bank. I've read this complaint on a recorded line to XXXX on XXXX. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ( Customer Service Senior Manager ) XXXX
Product: Bank account or service

Over the past realationship with US BANK they have prevented me from making a deposit to pay for items that have not posted in anyway visible to me the day of only after the item ca n't be paid for via me can I see it they post during XXXX an XXXX and that 's not even banking hrs. 5 minutes after I get the notice in my online mobil banking ledger that would Be 5 min too late. I eat a {$36.00} FEE that was charged the next day??? YES! They are not consumer friendly they want there fees and refuse to hear out the unreasonable bank tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a security freeze on my account in the fall of 2018 after someone fraudulently opened a credit card in my name. That dispute, with XXXX and XXXX XXXX, was resolved properly and reported correctly. Now I need to lift the security freeze with Experian, and I am applying for a loan, but Experian 's website and phone support are XXXX bad. After 1/2 an hour I finally reached a human who told me he needed to mail me a PIN number to use to lift the freeze, with no other options, despite my giving him every possible identifiable piece of information about my account. This will take 7-10 days. In the process, Experian took every opportunity to sell me additional services and subjected me to endless automated phone sales pitches. How this company is accredited to serve the public in such an important way and somehow designated a " bureau '' as if it's not just a private money-making company is mystifying to me.
Product: Credit reporting or other personal consumer reports

i pulled my XXXX credit report and noticed a credit card that was opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided this credit reporting agency ample and adequate information for them to remove requested items on my consumer report. Two of them so far to be exact. These attempts have been through affidavits that have gone unrebutted. In Law an unrebutted affidavit stands as truth. This is not the only truth. It is a fact this credit reporting agency is in violation of the Fair Credit Reporting Act. Congress wrote the FCRA to promote the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. Congress found that an " elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. With that being said pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. " The definition of a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant 15 USC 1681a ( 2 ) ( B ). I am demanding that you these transactions from my report immediately as they are violation of mu rights as a federal protected consumer under title 15 chapter 41 XXXX XXXX XXXX ; Account # XXXX XXXX  XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX