23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : [ Insert Date ] Subject : Credit Report Dispute under 15 U.S. Code 1681 Dear Sir/Madam, I am reaching out to address inaccuracies in my credit report as per my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) . I have identified several discrepancies which I believe infringe upon my rights regarding the permissible purpose and accuracy of information. 

Disputed Accounts : XXXX  XXXX ( Account Number : XXXX ) : The reported balance and charge-off status are incorrect. 
XXXX ( Account XXXX : XXXX ) : There is a dispute regarding the closure status of this account. 
DEPT OF EDUCATIONXXXX ( Account Number : XXXX ) : The reported balance is inaccurate. 
XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) : There is a discrepancy in the reported account status. 
US DEPT OF EDXXXX ( Account Number : XXXX ) : Dispute concerning the closure status of this account. 
XXXX XXXX XXXX  ( Account Number : XXXX ) : The reported date of opening is incorrect. 
XXXX XXXX XXXX  XXXX Account Number : XXXX ) : The reported account type is inaccurate. 
XXXX XXXX XXXX  ( Account Number : XXXX ) : Incorrect closure date has been reported. 
I request a thorough investigation into these discrepancies and appropriate corrections to be made promptly. Enclosed, please find copies of documents supporting my dispute. In compliance with the Fair Credit Reporting Act, I anticipate a prompt and constructive response to this matter. 

Thank you for your immediate attention to these issues. 

Sincerely, XXXX XXXX
Product: Credit reporting

A dispute was filed against XXXX ... .challenging ownership of thi acct ... XXXX never responded ... .they just increased the amt of time for the collection to appear on my report ... .I got slapped by XXXX for asking for a right afforded by the FDCRA ... .XXXXdoes as they please ....
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Can you review the paperwork? A few of the mentioned accounts contain inaccuracies concerning reporting, incorrect amounts, and dates.
Product: Credit reporting or other personal consumer reports

UNVERIFIED ACCOUNT. Per XXXX enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant. 

Transunion : XXXX  XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX of XXXX fraud was committed on my Priority checking and savings accounts at Citibank. I was outside of the country when the theft, in the amount of approximately {$700.00} occurred. ( {$5000.00} was transferred from my savings to my checking but not withdrawn ). I called Citibank and was connected to the fraud investigation department who closed my accounts and opened new ones to be verified once I returned in XXXX and visited a branch. However, in XX/XX/XXXX my accounts were closed - due to my not signing signature cards! Once I returned to the States in XXXX I found two checks, {$95000.00} and {$5600.00}, along with several notices from Citibank in the mail claiming I owed money for a checking plus line of credit account! I never authorized or needed a line of credit with Citibank and I never made transactions at Citibank where I'd need it. That unauthorized line of credit was used during the commission of the crime to transfer money from my savings to my checking account! I never knew it existed until the theft occurred. I visited several branches of Citibank and spoke to several managers who all concurred that it was indeed a bank error. I was assured by the Citibank " back office '' over the phone that a letter would be forthcoming to send to the three credit reporting agencies which was never received. To date, my credit score has plummeted due to Citibank 's false claim. I am XXXX years old and ready to retire. My credit was exemplary before this fraud occurred on my accounts. Citibank did not protect me or my funds. For Citibank to arbitrarily close my accounts, claim in their records that I REQUESTED to close my accounts in XXXX while I was still outside of the country, and then mail me a letter stating my accounts were closed because I " failed to sign signature cards '' let me know that there is no communication between the new accounts and fraud investigation department. That checking plus line of credit was used in the crime and should have been seen as such. I was in the process of purchasing a retirement property and lost the opportunity to buy due to Citibank 's negative reporting to the credit agencies. I want my name cleared and charges brought against Citibank for an interruption of my life, causing me stress and aggravation with harassing phone calls and false records, not to mention ruining my credit making me unable to move forward with virtually anything! Your assistance is needed and appreciated.
Product: Mortgage

I have been working with my mortgage servicing company, LoanCare, for the past 7 weeks to address a few mistakes they've made in processing my loan payments. 

In XXXX, XXXX, and XX/XX/2022, I made 3 on time payments. Each monthly payment included an additional amount of principal paid ( which LoanCare refers to as curtailment ). These payments culminated in an unpaid principal balance of {$350000.00} as of XX/XX/2022. 

According to LoanCare, they incorrectly posted the Principal and Interest payments {$0.00} less than the contractual principal and interest for these 3 payments. So on XX/XX/2022, LoanCare attempted to correct these discrepancies by reversing the 3 payments ( including the curtailment amounts and escrow payments ) and reposting them with the correct amount. Unfortunately, they incorrectly reposted the payments which has resulted in a new {$0.00} discrepancy. After the reversals and repayment transactions were posted the unpaid principal balance grew to {$350000.00} which is {$0.00} more than what the balance was ( {$350000.00} ) on XX/XX/2022. 

There are 2 main issues contributing to the {$0.00} discrepancy. First, LoanCare reapplied the 3 original curtailment payments in one lump sum of {$210.00} on XX/XX/2022 after the 3 repayments were applied. Doing so, LoanCare did not properly reduce the principal balance between each monthly payment which affects the amount of interest and principal deducted. Secondly, LoanCare did not reapply the same principal and interest amounts as the original XXXX and XXXX payments. It is unclear what calculation they used for these transactions and they have not provided any insight into it. 

To properly reapply these payments, LoanCare should have reapplied the payments in the following order using the same number of days between payments to calculate the same interest as the original payment. 

1. XXXX principal and interest 2. XXXX curtailment amount 3. XXXX payment 4. XXXX curtailment amount 5. XXXX payment 6. XXXX curtailment amount Doing so ensures that the unpaid principal balance is reduced as expected before each subsequent payment is applied. 

I have shared this information in several calls with LoanCare, in a written letter, and with the XXXX XXXX XXXX. Since this issue was discovered, I have continued to make my payments on time ; however, each subsequent payment is now affected by this discrepancy. I have not received any indication to date that LoanCare intends to address this fix or that they even understand what they did wrong. It has been a frustrating 7 weeks.
Product: Credit reporting or other personal consumer reports

My ftc report # XXXX. After reviewing my credit report the following accounts are fraudulent need to be deleted/removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .Transunion has not provided proof or validity of these fraudulent debts that were opened in my name
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent an {$840.00} money transfer through MoneyGram to my cousin in XXXX to address some urgent medical issues of a relative. The transaction was through the MoneyGram app and was intended to be deposited on the recipient 's mobile money wallet. However, the recipient never received the money. 

I called customer service on XX/XX/XXXX - immediately after being informed by the intended recipient that the money has not being received. MoneyGram told me that the intended phone number was not same as the number to which the transfer was made, but they would not give me the " supposed wrong number '' that my money was transferred to. 

My request at the time was very simple- and it was that, as a sender, i should have the right to know to whom my money was sent. Without that, I can not accept that there is an error in a transaction, as there is no evidence. Essentially, MoneyGram can decide to not send a transfer and then tell a customer there is an error without showing evidence to back that claim. This information is also not reflected on the receipt. The recipient 's name is on the receipt but not the mobile money number which is the unique identifier of the recipient. 

Moneygram claimed to have opened and investigation which was only going to be completed over a 90 day period, only to come back to tell me the following on XX/XX/XXXX : " After completing our investigation, we have determined that a mistake has not occurred. MoneyGram is satisfied that all necessary steps were taken to pay out your transaction to the account number provided by you at the time of send. Our records show the transaction has been correctly deposited to the intended receivers bank account number provided in Send Form. 

As MoneyGram has determined a problem has not occurred, we consider this matter closed. '' I do not accept the outcome of this as MoneyGram has not showed any evidence that there was an error in this transaction and refused to give me the necessary information for me to follow up on this myself. It is blatant disrespect, exploitation and abuse of a very important mandate.
Product: Credit card

capital one refuses to remove the fraudulent account on my credit even though they lost a judgement against me and the case was thrown out of court,
Product: Mortgage

This administrative complaint is being submitted on behalf of the borrower by her advocate. Borrower filed bankruptcy chapter XXXX in 2012. The mortgage loan was not included in the bankruptcy. The bankruptcy was discharged. Mortgage loan servicer ( Seterus ) refuses to send mortgage statements stating, " ... the borrowers are no longer contractually obligated on the debt and we are prevented from attempting to collect said debt. ".
Product: Credit reporting or other personal consumer reports

I am writing in response to a letter dated XX/XX/XXXX from XXXX regarding my account ending in XXXX. 

I received form 1099C from XXXX in XX/XX/XXXX for my XXXX tax season/refund. I went ahead and reported it to the IRS as income since the form clearly states in box 2 that {$1500.00} is an amount of debt discharged. 

It's therefore very deceiving that XXXX is indicated in their letter that the debt was not discharged and being reported to the credit bureaus accurately. 

Per the IRS website concerning form 199C, it states as follows : File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity.

An identifiable event has occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Capital One 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 an account without my written instructions.

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

I previously submitted a dispute to the CFPB, XXXX, XXXX, EXPERIAN, and XXXX requesting inaccurate information to be removed from my report. I expect a thorough investigation and for all reporting information be to the MAXIMUM accuracy. According to my consumer report XXXXXXXX XXXX and the credit bureaus are reporting this account as charge-off every single month. The problem with that is the account was only charged off once not three times as reported which makes that VERY inaccurate and detrimental to my consumer file and financial capabilities. It is also a violation that I have continued to ask for for fair credit reporting and all above parties have neglected to do their due diligence. XXXXXXXX XXXX has made claims that they can not produce the original application for this account which I am entitled to have to be able to dispute fairly and accurately. I have attached proof of the negative reporting and would like the error to be fixed. XXXXXXXX XXXX has aLao been sent a Debt Validation certified mail and has failed to respond in a timely manner. Also, lets be clear a telephone number alone without solid proof is not enough to verify an account to say that it is indeed mine which was stated in the previous complaint filed. This is my final request before taking legal action for violation of my consumer rights according to 1681 ( b ) as well as the FCRA. This issue has caused me severe stress and XXXX
Product: Vehicle loan or lease

The auto with Exeter finance was cover with full insurance and gap insurance.. there shouldnt be a balance.. I was carjacked and the carjackers totaled the vehicle
Product: Debt collection

a letter was sent to me stating i owe money my rights have been violated 15usc 1692b
Product: Debt collection

On XXXX/XXXX/XXXX I sent out certified return receipt a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX requesting verification of a debt which was signed for by their office on XXXX/XXXX/XXXX ( letter and receipt attached ). In the letter it detailed that they had 30 days to respond pursuant to the Fair Debt Collection Practices Act with validity of the debt. As of XXXX/XXXX/XXXX I received no response and sent follow up correspondence on XXXX/XXXX/XXXX offering a chance to rectify this error on their part which was signed for by their office on XXXX/XXXX/XXXX ( letter and receipt attached ). The office did not respond to me until the letter dated XXXX/XXXX/XXXX XXXX attached ) which was after 30 days have passed, and not received by me until XXXX/XXXX/XXXX. The letter did not address the request from the original letter from XXXX/XXXX/XXXX or subsequent letter from XXXX/XXXX/XXXX. Furthermore, the response was sent after the 30 days expired which is outside of the window in which they were required to respond.
Product: Checking or savings account

l'am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. I have lost thousands due to this mismanagement.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

The following account is reporting erroneously on my credit, I suspect identity theft, this account was really affecting me so I decided to pay it off and close it, but I want it completely deleted. I called the company and raised these concerns but so far they have not responded accordingly. 

The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed .Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA -they are required to ... promptly delete all information which can not be verified. " that I have disputed.Please resolve this manner as soon as possible.Thank you
Product: Debt collection

Vance and Huffman LLC Have recently applied a collections account to my XXXX credit score. Vance and Huffman will not supply me with a copy of the contract I have signed. I am assuming it is because a contract does not exist. I believe this should be removed as I have not recieved any information from Vance and Huffman.
Product: Mortgage

Home Point incorrectly put lender-placed insurance on my account, causing my monthly payment to skyrocket. I emailed Home Point proof of insurance on XX/XX/XXXX, and on XX/XX/XXXX, a Home Point Insurance Processing Associate ( XXXX XXXX ) emailed me the following email : " Thank you for contacting Home Point Financial, also thank you for providing the insurance information. The account has been updated and the documentation has been saved in our system. The Lender Placed will cancel, you will received a letter and the funds that were charged against you will be refunded. '' However, Home Point has not refunded me the charges, and in fact, is still charging me for the lender-placed insurance. 

I have literally spent hours on the phone with Home Point trying to resolve the issue. During one call a few months ago, a Home Point representative assured me that I would receive the full refund in XX/XX/XXXX, after they do an escrow analysis which was scheduled for that month, and that my mortgage statement would reflect the proper amount at that time. I have not yet received my refund and my statement still reflects the incorrect amount with the lender-placed insurance on it. 

Yesterday, a representative at Home Point told me that I will continue to be charged the lender-placed insurance until XX/XX/XXXX. The representative also told me that I should have received an escrow refund check in the amount of {$800.00} in XX/XX/XXXX, but I have not received any check from Home Point, and the amount that Home Point owes me is closer to ( if not more than ) {$2000.00}. The representative then told me I would have to wait until next XX/XX/XXXX to receive the remaining amount, because they only run the escrow analysis once a year. 

I'm at my wits end. I've called dozens of times and have been incorrectly charged thousands of dollars for lender-placed insurance. I don't know what else to do. Please help. Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have being paying a 3rd party company that is associated with Navient. They have a total of 5 payments from me. I have talked to the main company Navient ( XXXX ) and they do n't recognize or see 2 of the payments that I have sent ( XXXX XXXX, XXXX in the amount of {$120.00} and XXXX XXXX, XXXX in the amount of {$180.00} ). On my credit score it still shows that I have missed/late payments from Navient. I have talked with the 3rd party company repeatedly and they continue to hang up on me. I do n't understand how these payments are not positively reflected on my credit score. Navient is the ONLY company that is damaging my credit score by inaccurate information. I have sent in 2 letters containing both dispute letters and my credit report that they have asked of me and still my credit score is not fixed by the problems they have caused. On my credit score it shows that XXXX through XXXX I have late or missed payments. This is inaccurate. They received 2 payments in XXXX, one XXXX XXXX, one XXXX XXXX, one XXXX XXXX. They have a total of 46 late/missed accounts on my credit report. I only have 5 accounts with them. I have tried to talk to Navient and the 3rd party company associated with Navient and I am having a hard time to rectify this problem.
Product: Mortgage

Freedom mortgage sent us a check in the amount of XXXX in XX/XX/2019 for an escrow account overage. We found this out by looking at our monthly statements in XXXX and we called them then. They agreed to send us a replacement check that we never received. In XXXX we called them again to follow up and they stated we needed to wait 30 days because of the refinance we were conducting with them to lower our rate. We then called them back in XXXX and they stated that they would mail us another check. In all, freedom claims to have mailed us these funds a total of 3 times. We have never received the check. We do not have any mail issues at home. We strongly believe the checks are not being mailed. We have been working through numerous calls with them since XXXX. Our last contact stated that freedom ended up using the funds from that check to pay off unpaid supplemental property taxes which we included in our prepaids during our refinance with them in XXXX. Our new mortgage include the XXXX that they claim to have used our refund check for. Our last contact there acknowledges freedom received the funds at closing for refinance and has stated that unfortunately at this point he can not resolve this matter for us and that there is nobody else to escalate this too. He acknowledges that freedom paid the county and that they also received the funds during our escrow close in XXXX for the refinance. We are beyond exhausted from the countless hours that we have spent on the phone trying resolve this situation with freedom mortgage. We feel helpless that our last contact simply stated there is nobody to escalate this to. His name is XXXX XXXX and his phone number is XXXX XXXX XXXX
Product: Debt collection

Credence Resource Manage claims I owe them {$1200.00}??? 
This was all settled a while back. The company customer service had spoke to me there was a settlement and some point and for some reason they never updated anything. I have tried contacting them to resolve this matter and It has gone no where.