23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Flagstar has misapplied my mortgage payments and is now reporting me as more than 30 days behind in my payments. I contacted Flagstar regarding the mis-applied payments, but they have not corrected the problem.

2 ) Flagstar has charged me unearned late fees. Flagstar by their own admission ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) payments are not considered received when they arrive in the mail but only considered received after they have been processed. This practice violates mortgage collection laws. Mortgage collection laws specifically state : " mortgage payments are considered received when they are actually received ''. Not counting mortgage payments as received until after they have been processed, a day or two, or three, later, is a violation of mortgage collection laws ; any late fees charged as a result of this violation have been unearned.

3 ) Flagstar has defrauded me out of interest savings on extra principal reduction payments I have made on my loans. Flagstar misapplied my extra principal reduction payments and taken several months to correct the mis-accounting. In the meantime, Flagstar has charged me interest on the extra principal I paid in advance. i.e. I made an extra principal payment one month which was misapplied, the mistake was not corrected until three or four months later, in the meantime I was charged interest on those funds and cheated out of the extra interest savings I was due for the three or four months. These are compound interest loans and any savings in the early years add up to thousands of dollars in saving over the lifetime of the loan. Flagstar needs to back-date my additional principal reduction payments to when it was actually received.
Product: Mortgage

I have a problem with a loan I got in XXXX XXXX, and subsequently refinanced again in a later date. Now about six months ago I found out that there are still XXXX outstanding liens from this transaction on my property. Also in XXXX the hat a wildfire come through and burned my house and most my records. This loan from XXXX was financed by Bank of America and I 've been working with Bank of America for six months or more and they are on able or unwilling to give me any pertinent information. These liens on my property from the prior owner causes me great financial trouble, I can not get in equity line of credit or sell the property lists these XXXX outstanding liens present. Thank you very much XXXX XXXX
Product: Credit reporting

I have XXXXaccount on my trans Union credit report thats not mine I them to supply a document showing my signature. But as of today I still have not seen so I need these removed asap. XXXX XXXX and wells recovery XXXX I do n't have the account numbers sorry..
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided documentation and a request to the credit bureaus via XXXX Certified Letters with tracking numbers XXXX, XXXX, XXXX on XX/XX/2022, to remove personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy and 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802, no financial institution is permitted to share my information to any third parties. This is a violation of my federally protected consumer rights. 

XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  - XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

Ive been making an extra payment the day before my automatic payment is to be taken out but finance company waits until the next day to process my extra payment and charge me interest on my money that was to go directly to the principal
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan from BHG financial. The company address is XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX. I did not like the terms of the loan and did not proceed and never agreed to the loan so never got the money. However, for the last 2 years the company has been bombarding me with mail. At first I was getting it at my home address and then they somehow found out where I work and started sending me advertisement mailings at my work address without EVER getting any consent from me. I called them on XX/XX/year> and told them to STOP as I WAS NOT interested in any of their services or loans and they said that I will not be getting any further mailings after 30 days. That was not the case and I continued to get advertisement letters and mailings. I then filed a complaint with XXXX XXXX XXXX  on XX/XX/year>. XXXX  contacted the company and I was again promised no more mailings. I received another letter from BHG yesterday on XX/XX/year>. I don't know what else to do. Please HELP. I don't want to receive any mail from this company. I think they are an awful company and I don't want to have anything to do with them and I feel like I being harassed. What right did they even have to start sending me advertisement letters at work? Thank you.
Product: Credit reporting or other personal consumer reports

Im deeply concerned about the recurring errors on my report that continue to harm my score and limit my future opportunities. Seeing these mistakes time and again is frustrating and disheartening, especially when they are out of my control. Its unfair that XXXX being penalized for inaccuracies that shouldnt even be there. These errors are affecting my financial health and my ability to grow.
Product: Credit reporting or other personal consumer reports

I'm getting inquieries from a lot of companies that i do not know, and i never had any contact.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX  XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my Account XXXX XXXX, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXXXXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have sent this company a cease-and-desist letter. This company has blatantly refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. I have attached all proof including certified mail receipts, and my attempts to resolve this account. I have not received anything back, and clearly, they have received my cease-and-desist letter. This company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of OHIO. This company also continues to update a balance of XXXX ( Proof attached ). Please have this company cease all collection activities and DELETE this account from all THREE CREDIT BUREAUS, this is my last attempt, then I will move forward with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act Nordstrom Credit Card Acct # XXXX, has violated several of my rights, 15 U.S.C 1681 section 602 A. Clarity states a 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 my 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 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 XXXX never sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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 or other personal consumer reports

Upon reviewing my credit report from your bureau, I found several inaccurate and misleading items that are damaging my creditworthiness.

According to the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance guidelines, credit bureaus are required to conduct thorough investigations into disputed information within 30 days. Inaccurate or unverifiable information must be promptly corrected or deleted from my credit report.
Product: Mortgage

I received a Notice of Default and Notice of Intent to Foreclose via USPS from ( SLS ) on Thursday, XX/XX/XXXX. I have questions and concerns about the actions that are being taken concerning my mortgage. I was not aware that a Servicer ( SLS ) can foreclose on your home if you have applied for a modification, and I havent heard or received anything in the mail on the status of the modification. Can you please clarify this matter for me?
Let it be noted that on XX/XX/XXXX I applied for another loan modification due to me not getting the other papers notarized in a timely manner which was a result of me being out of town at the hospital ( XXXX ) with my daughter. In your letter that was sent to me, it stated that if missed the deadline to reapply, and thats exactly what I did. So, I sent in another complete application with a letter attached explaining why I was reapplying, and I listed that I included two recent bank statements, a recent pay stub, and the XXXX in the packet all of which had the loan number on each of the documents and these were the same exact items that I had to submit before.
Product: Debt collection

Lvnv is attempting to collect a debt and using the incorrect date of delinquency. I have tried to get this corrected numerous times and also asked for an entire payment history for the accounts they are trying to collect. I believe the date of delinquency is XX/XX/year>. Please investigate this and provide proof of the date. Please update my credit reports.
Product: Credit reporting or other personal consumer reports

On Friday, I attempted to follow the instructions and called during business hours to verify my identity. However, the customer service representative was unable to access the verbal identity protocol and transferred me to a different department. They informed me that there was a glitch that required fixing, which could take 7-10 business days to resolve. This was the same response I received a month ago. Regarding my new address, I had already provided this information over the phone to your representative, who updated it after I noticed I was having this issue. If necessary, I still possess my previous home and phone, as well as my new home and new number. Several months ago, I sent bank statements from XXXX XXXX, my previous voter registration card, and a photocopy of my ID, which a representative confirmed as received. Now you are requesting that I submit these documents again. My phone number has not changed ; I urgently need my credit unlocked as this situation has persisted for far too long. I continue to experience delays and obstructions. 

Old home : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE : XXXX ( Old number ) still current New home : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PHONE : XXXX ( new number ) DL : XXXX DOB : XX/XX/year>
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX ' opened a collection account for a T-Mobile account that was opened as a result of identity theft that was previously resolved in XXXX and XXXX of XXXX. I did not open this account with T-Mobile. My data was released in the XXXX XXXX data breach and was subsequently used for identity theft. I filed a police report when I discovered the identity theft in XXXX, and immediately notified XXXX who investigated and confirmed the identity theft. In XX/XX/XXXX an additional police report was filed with XXXX notifying XXXX XXXX XXXX of the identity theft and fraud. I have notified Credence Resource Management that this account is a result of identity theft, that I have never opened this account, and have never resided in the state of Texas where the account exists, and that police reports have been filed with the XXXX regarding this identity theft. Nevertheless, XXXX XXXX XXXX refuses to provide additional information, and continues to attempt to collect on this account that is known to be the result of criminal fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed accounts on my credit report that were NOT ( validated ) or 100 % accurate as I look over my Credit profile they are still reporting these fraudulent accounts I also filed a report with the XXXX and a XXXX report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX/XX/XX/XXXX I filed disputes with XXXX, XXXX and Equifax for a medical debt that was placed on my credit reports, which I learned was a result of the company, XXXX XXXX XXXX XXXX ( XXXX ) failing to file a claim with my health insurance providers ; I have both primary and secondary providers. 

XXXX and XXXX immediately removed the account ; Equifax did not. Not only have they not removed it, their website will not allow me to re-open the dispute to attach the documents I'm including in this complaint to show that not only do I dispute that I owe the account, the documents are proof that XXXX XXXX XXXX   XXXX have apparently been unwilling to bother filing a claim with my insurance providers even after I provided them with copies of both cards XXXX times throughout the past year and EVEN AFTER Maryland Attorney Generals Office provided them with copies of both cards. 

The fact that XXXX XXXX XXXX  XXXX failed apparently, intentionally, to file a claim with my insurance providers makes them accountable for the bill, not me. 

The fact that Equifax refuses to remove the account from my credit report and also refuses allow me to re-open the complaint through their dispute portal online is why I am filing this complaint with the CFPB. 

For reference, see CFPB Complaint Number XXXX against XXXX XXXX XXXX XXXX. 

Federal Law is clear that medical providers who do/did not, and in this case seemingly willingly refuse, to file a claim with a person 's health insurance carriers leaves the burden of the account on the medical provider not the consumer. 

Federal Law also requires Equifax (, XXXX and XXXX ) to remove medical debts from credit reports when the consumer provides evidence that the bill is an error ... and in this instance the error is the the medical provider 's unwillingness to file a claim even after Maryland Attorney General 's Office intervened, yet, XXXX XXXX XXXX XXXX still has not filed a claim with my insurance carriers. 

It is for that reason Equifax should have removed the account from my report nearly a year ago, and why I am filling this complaint against Equifax requesting they immediately remove it from my credit report and is also why I have initiated a complaint against Equifax with Maryland Attorney Generals Office of Consumer Protection for not following Federal and MD State laws dealing with this matter.
Product: Mortgage

The interest charges appears to be preset regardless of extra funds being made each month.
Product: Checking or savings account

PNC will not allow me to transfer funds into online banking apps.
Product: Credit reporting, credit repair services, or other personal consumer reports

Card ending in XXXX is not being reported to the credit agencies as promised. I want accurate reporting of this revolving account.
Product: Mortgage

I closed on my mortgage for my owner-occupied residence at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX with XXXX Bank XXXX XXXX in XXXX, IL ). They sold my mortgage to Associated Bank ( located in XXXX XXXX, WI ) in XX/XX/XXXX. My private mortgage insurance disclosure executed at closing in XXXX provided terms related to cancellation that include XXXX XXXX XXXX of the original value, which was {$370000.00}. I have paid my mortgage on time every XXXX  and paid my loan balance to XXXX XXXX of the original value in XX/XX/XXXX. I sent Associated Bank an email on XX/XX/XXXX as they directed and requested that my PMI be removed. Associated Bank sent me a letter dated XX/XX/XXXX that I just received today that states that the new valuation is {$420000.00} ( {$50000.00} over the original value ) with no explanation and that I need to bring the loan to XXXX XXXX of XXXX of that amount. I called Associated Bank on XX/XX/XXXX and asked to speak to supervisor and she told me that when Associated Bank purchased the loan they are allowed to change these terms. I undertook this loan based on a budget with certain terms that the lender is saying changed. I did not agree to these new/changed terms.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX Deletion Dear Credit Reporting Agencies, I am writing to formally request the immediate removal of an XXXX XXXX  charge-off account in the amount of {$23000.00} from my credit report. This account, which I previously disputed, was deleted from my XXXX credit report following their completed investigation on XX/XX/year>. XXXX deletion of this account confirms that the information is unverifiable, and as such, you are obligated to do the same under federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure that the information they report is accurate and verifiable. Since XXXX has determined that this account can not be verified and has removed it entirely, it is now your responsibility to reflect this deletion on my credit report. 

The FCRA also protects consumers by mandating that unverifiable accounts be removed. Under FCRA 609 and 611, credit reporting agencies must delete any information that can not be confirmed as accurate within 30 days of a dispute. I urge you to investigate this matter promptly and remove the XXXX XXXX account from my credit file within this time frame. 

Should you fail to comply, FCRA 616 and 617 provide me with the right to take legal action against any credit reporting agency that fails to meet its legal obligations. Non-compliance with this request may result in legal action to seek damages for inaccurate reporting and failure to adhere to federal law. 

For your convenience, I have included a copy of my XXXX credit report confirming the deletion of this account. I request that you provide written confirmation once the account has been removed or provide documentation substantiating its accuracy and validity if you choose not to remove it. 

If this issue is not resolved within the legally mandated 30-day period, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may explore additional legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

On XX/XX/XXXX I paid ( in cash ) {$1400.00} for an automobile loan marked closed from XXXX. The creditor took off this amount which raised my credit. I have a promissory note stating the amount was paid in full and the balance will reflect {$0.00}, which would eliminate this debt. As stated in the promissory note, the creditor would contact all three major credit agencies, which they did not. Although this amount was later taken off of my transunion report, it was put back on within the last two weeks and now it states that even thought the account was closed and written off, that I owe {$1900.00}. I also found this odd considering I original only paid {$1400.00}. On XX/XX/XXXX I contacted XXXX XXXX of XXXX XXXX, FL, and I was promised a return call and that the issue would be corrected that day. No one called and my credit dropped over 100 points due to this.
Product: Credit reporting or other personal consumer reports

Date of delinquency incorrect and tradeline should be removed as such
Product: Debt collection

I am XXXX, I request reasonable accommodation to submit past medical bills to my insurer ( medicaid medicare ) for full payment, I can not understand the process, thankyou