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

My account with those accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made 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 in those account 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.

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, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding the mishandling of my credit report, which is causing significant financial impact and distress in my life. On XXXX, I sent a dispute letter to address inaccurate and unknown items on my credit report. Shockingly, over 30 days have gone by, and I haven't received any response from the credit bureaus. The Fair Credit Reporting Act ( FCRA ), Section 611 ( a ), mandates a 30-day investigation period for such disputes. The credit bureaus ' lack of response raises concerns about their compliance with this crucial requirement. As a consumer, I have the right to demand the immediate removal of these inaccuracies from my credit report if they fail to respond within 30 days. Yet, I feel as though my concerns are being ignored, leaving me with mounting financial stress. I must also bring to your attention that I have been affected by the Equifax data breach. This breach might have contributed to the inaccuracies plaguing my credit report, further complicating my financial situation. I urge the Consumer Financial Protection Bureau to intervene and thoroughly investigate this matter. The credit bureau 's prolonged inaction has caused me significant distress and financial hardships. I demand immediate attention and resolution to rectify these inaccuracies. As a concerned consumer, I am ready to take legal actions if necessary to protect my rights and financial well-being. I trust that the Consumer Financial Protection Bureau will act swiftly to address this matter and hold the credit bureau accountable for their actions. Please delete the negative inaccurate accounts from my credit report! Thank you for your urgent attention to this complaint. I look forward to a prompt resolution to this distressing situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX  XXXX XXXX ( two trade lines, the same creditor )
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX Nationstar Mr Cooper Not really sure who they are anymore except Frauds. I'm a victim of there fake modification scheme to take your money and your house.. 
I have tried over and over to renegotiate the loan re write the promissary note.. 
The house is under water. 
The house burned down in XX/XX/2013 and was never fixed correctly, no heat no air conditioner no nothing in over 5 years. 
But all I get is misunderstood and mistreated and let me tell you how It is very hard to be disadvantaged, a single mom of disadvantaged children and continually unheard ... 
The loss mitigation Dept can not figure out who there all stole my money?? 
They are involved in securities fraud, there note is fraudulent because they do not have one.. 
They are trying to hurry and get rid of there fraudulent loans and push to get my property sold, all to cover up there own misfortune. In the mean time they wil not provide the note, they will not renegotiate the loan amount or terms after I have tried for over 7 years. 
Where is the assignment Who has the right to forclose on my property? Where was this recorded? 
Mr Cooper can't even get my attorneys new updated address right in over 3 years? How could this even be possible?

I want to know on. who's behalf are they selling my property?

Not mine I want a quite title action brought against Mr. Cooper because they have not got one thing right in my case.

They are involved in fraudulent activity I do expect punitive damages just like they expect there XXXX in interest in the last five years me and my kids lived with no heat no air conditioning, nothing working. I'm asking for an injunction from them selling my property..
Product: Checking or savings account

On XX/XX/XXXX, a washed check cleared the business account that we wrote through XXXX in the amount {$14000.00} on check XXXX. We did not notice this as when we checked online banking the criminal had not changed the amounts! 
On XX/XX/XXXX, a second washed check cleared the business account in the amount of {$12000.00} with check number XXXX. That statement was published on XX/XX/XXXX. 
On XX/XX/XXXX our vendor made it aware to us that they had not received payments, we then went to our local XXXX XXXX  branch found these XXXX washed checks and made a fraud claim. Both checks were deposited online to Chase Bank under XXXX separate names and addresses. The checks were written to XXXX different individuals but the handwriting on the back of the checks is nearly identical. The XXXX checks were deposited into these XXXX individuals separate accounts online. ( Most likely, these checks were online deposited into stolen or fraudulently opened accounts ) The individuals appear to be seniors living in Florida at different addresses. 
The total amount of fraudulently cashed checks is {$27000.00}. Both checks deposited online to Chase Bank. 
XXXX  fraud department is denying our credits for this fraud due to late reporting on the first check. In fact, we reported the second check just 2 days after the statement was realized but because the first check was unfound on XX/XX/XXXX they are denying credit for both checks. They claim that they are working with Chase to resolve but I find a resolution unlikely. 
I found out on the phone on XX/XX/XXXX that Chase has sent XXXX a denial of funds on the first check claim and still has not responded on the second check. I am getting information third-hand through a representative of XXXX XXXX  who says they are not able to give me details on why it was denied by Chase and that it is based on their internal policies.

I have tried to contact Chase fraud department and they will not talk to me as the accounts were not mine and I do not have any deposit accounts at this bank.

Basically, both banks are denying us our money due to this fraud. In my opinion Chase is ultimately the bank responsible for this damage as they allowed these washed checks to be deposited online at their bank. Again, likely on fraudulently opened online accounts. They have chosen to handle transactions online which has left them vulnerable to these types of thieves. 
I simply dont understand how Chase can deny our funds when they clearly have online procedures set up rife with fraudulent activity. We need someone to work on our behalf to get Chase to pay us back our stolen funds.
Product: Credit reporting

I have paid all my bills on time for 50 years and maintained a XXXX credit score, I was hurt in an accident XX/XX/2015, and did not have insurance. One of the doctor bill fell through to collections and destroyed my credit score even though I settled the bill. The credit company 's remarks are as follows : DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME SINCE DEROGATORY REMARK OR COLLECTION IS TOO SHORT PROPORTION OF BALENCES TO CREDIT TO HIGH ON REVOLVING ACCOUNTS TOO MANY INQUARIES IN LASR 12 MONTHS HAS ADVERSELY EFFECTED THE CREDIT SCORE
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXXXXXX XXXX  Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number XXXX XXXX, XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Pursuant to 15 USC 1692a ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt. The term " debt '' pursuant to 15 USC 1692a ( 5 ) means any obligation OR ALLEGED obligation of a consumer. Pursuant to 15 USC 1692a ( 3 ) the term consumer means any natural person. 

So it was I who is a COSNUMER and the original CREDITOR who in fact extended the loan through my " credit card '' which means ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit pursuant to 15 USC 1602i This is all information that Capital One Auto Finance should already know being governed by the FDCPA and TILA ( Truth in lending Act ), but for some reason or another they act like they do not know this information According to the FDCPA, Capital One has violated numerous consumer laws. They have harassed me, a consumer, with numerous phone calls ( sometimes more than once a day ), to communicate with me in regards to a debt. Pursuant to 15 USCb ( 3 ) ( 5 ). 

Capital One also violated 15 USCc ( a ) ( 1 ) & ( 3 ) by communicating with me without my prior consent at any unusual time or place and at my place of employment Capital One also violated 15 USC 1692d ( 1 ) ( 2 ) & ( 5 ) by the threat of reposession of my vehicle, by constantly using the word debt which is obscene and profane language and causing the telephone to ring continuously with the intent to annoy, harass, XXXX  any person at the called number. 

Capital One has also violated 15 USC 1692e ( 4 ), ( 5 ), ( 10 ) & ( 11 ). By the representation or implication that nonpayment of ANY debt will result in the SEZUIRE, or SALE of ANY property.
Product: Mortgage

I received a mortgage modification from Seterus. After the first payment they reported it to the credit bureaus as current. XXXX XX/XX/XXXX 's payment ) Since that time they have not reported anything in regard to my payments. They are also reporting an incorrect balance that was not nor has been the balance in years. They had no problem reporting when it was late and now that it is current they have not reported. When I called I was first told it was coded incorrectly. Now I am being told that their is an internal accounting error. Yet again, with Seterus no one seems to have the same answer or resolves the problem. I need them to report my mortgage payments that are and have been current so that my credit score recovers. If they are unable to do so in the 30 day time frame as requested two weeks ago, under law they should remove the negatives and the incorrect balance as they are hurting my credit now for several months. This has also been disputed with the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an  updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX SOUTHWEST CREDIT SYSTEMS {$620.00} Open balance XXXX XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX You have 9 inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New 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 XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies 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 XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX  I Account Number XXXX Account Type Utility Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$50.00} written off.
Product: Debt collection

This debt was paid in 2017 its still showing on my credit report it needs to be removed immediately please see documents from the courthouse from 2017 its on ethical unlawful and on just for the still to be on my credit
Product: Credit card

On XXXX XXXX, A charge was made on my CitiBank credit card of {$5600.00} without my knowledge. I saw this charge when I went to pay my monthly payment on XXXX. 
I immediately notified Citibank of this problem. Talked with several people before finally getting the fraud Dept. and was told they were opening a case. Fast forward to today, XX/XX/, after repeated calls, back and forth between the Billing dispute dept. ( which it is not ) and being told multiple times someone was going to take care of it, I call once again to be told " ok We will open a case ''. Are you kidding me? As I have been typing this I have been on hold to speak with a supervisor in the fraud Dept. XXXX, has reached out to me and reassured me that a credit would be on my account within 2 to 5 days and a charge back would be sent to XXXX XXXX XXXX. My hopes are up that she will keep her word and finish this nightmare for me. XXXX XXXX
Product: Mortgage

Our mortgage provided through XXXX, XXXX XXXX switched lenders from XXXX XXXX XXXX to Standard mortgage corporation ( around XX/XX/22 ). Upon transferring standard mortgage corporation has not been reporting our mortgage details to the credit reporting bureaus. We've called several times ( XX/XX/22, XX/XX/22 ) inquiring and they mentioned it's standard for transferring lenders, and it should be reported in 60 days. 60 days has since elapsed and our mortgage is still not being reported.
Product: Mortgage

I want to complain about XXXX XXXX XXXX, servicing by XXXX. This company gives an extremely hard time to customers in order to remove PMI. 

I bought my house in XX/XX/XXXX, by paying 10 % down payment and paying {$100.00} PMI ( mortgage insurance ) each month. In my loan document, it says I could pre-pay more principal anytime to make the loan amount < 80 % of the house purchase price and remove PMI. However, from early this year around XXXX XXXX, I contacted XXXX  to ask about how to do pre-payment of principal and remove PMI but I was told I was not allowed to pre-pay any principal and remove PMI in the first two years! In the summer around XXXX, I called and got the same answer. However, my loan document has NO such rules. 

Finally, XX/XX/XXXX, I found out I COULD pre-pay more principal on the online account and my loan to house value ratio became around 79 %. Immediately I requested online to remove my PMI. Later I called their insurance division and was told it would take them at least 30 days to review my request but later was told they were sure I could not remove PMI because of some government rules but they refused to tell me. 

On XX/XX/XXXX, I found on the online account, it wrote : " The Homeowners Protection of 1998 gives you the right to request the cancellation of the PMI premium that is added to your loan payments. If you do not request cancellation, and you are current on your loan payments, then PMI will terminate automatically : On the date the principal balance of your loan is first scheduled to reach 78 % of the original property value. '' I immediately paid more principal to make the ratio of loan to house price to 77.2 %. However, till now ( 2 weeks later ), the online payment still shows I need to continue to pay the PMI! 

Finally I reached their " real '' customer service to tell me what happened about PMI. I was told my loan to value ratio was fine now. However, I had to send them a check to pay a fee ( {$100.00} or more depending on the market price ) for a new quick appraisal on my house to make sure my house value did not drop!!! 

Think about how long they want to waste my time to drop PMI!! I will have to mail them a check to pay this appraisal, then they let me schedule the third party to come to do the appraisal which might take another 2 to 4 weeks. After they receive the appraisal report, it will take them another 30 days to remove PMI if they finally say yes. So in total, it will take at least 2 months in order to let me pay the appraisal and remove PMI. At the same time, they continue to charge me PMI!!! 

I have never heard any other loan company to give customers such a hard time to remove PMI with all the lies and delaying the process. 

This is illegal to keep pushing me to pay PMI. Crazy experience.
Product: Debt collection

In XXXX 2016 I applied for a Home Mortgage at my Local Credit Union, my credit score exceeded the XXXX score but FHA would not even attempt the loan until a judgment ( which I had no knowledge ) was satisfied with Wells Fargo Bank, even though I disputed this judgment to speed up the process I decided to just pay it and move on. Through 3 days of phone calls including Wells Fargo 's Attorney whom filed this, and the court ( XXXX Judicial in XXXX Utah ) to figure out whom to pay, they both told me the only way to satisfy this judgment is to pay Wells Fargo, I went again to the phones and Wells Fargo would not take my money or even give me a name or number to contact, I with drew my offer on the home and basically gave up, I have a small farm, I have many animals counting on me, I also have a XXXX daughter living with me, so this home and property were very important to me. Last week, the First week in XXXX I decided to try again, by know our situation is pretty desperate, one can not find a small farm to lease or rent, its impossible. Again the Judgment showed on the credit report, I contacted all the same names and numbers from Wells Fargo Bank, Their Attorneys ( XXXX and XXXX in XXXX ) and the Court, I am back to where I was in XXXX. I finally walked into a local Wells Fargo XXXX in XXXX, Utah. XXXX XXXX was the banker I met with and she was very kind and helpful, she took a day or two working on my issue, called me back and was as frustrated as I was. She must have had some luck because within a couple days I got a call from Wells Fargo, they explained I was dealing with the highest level possible, the # was XXXX. They assigned me a Rep, XXXX XXXX. He explained it will take up to 10 business days and would not guaranty they would fix the problem, well after 5 days XXXX XXXX I lose my option on another small farm I put some earnest money on the first of XXXX. Even at the management level they were either unwilling or unable to help me, There are considerable mistakes, wrong address, basic math errors, and other issues with the Judgment, even after all that I was willing to pay it, Wells Fargo will not take my payment or dismiss this judgment or whatever, therefore they have hurt my chances at home buying twice, filed a judgment which has teared my credit apart, my emotional stress has been off the charts, and I am at my whits end of what to do, and they will offer no solutions, they should have been willing to help this along, it makes fairness stand on its end. I am hoping you folks can help me ASAP. Thank you so much, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

There were unauthorized inquiries on Experian, XXXX XXXX and XXXX. XXXX XXXX dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX dates are XX/XX/XXXX Times three on the same day. XXXX XXXX dates are XX/XX/XXXX, XXXX XXXX XXXX dates are XX/XX/XXXXXXXX XXXX XXXX
Product: Mortgage

A Quit Claim Deed was filed on XXXX/XXXX/2014 from a third party foreclosure buyer of an HOA foreclosure to deed the house to The Bank of New York Mellon F/K/A The Bank of New York, as Trustee for the Holders of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The Bank of New York Mellon has refused to acknowledge the Quit Claim Deed and has not accepted ownership of the home located at XXXX XXXX XXXX, XXXX, FL XXXX. The house was abandoned by the homeowner more than three years ago and is an eyesore and danger to the community. The pool in the backyard is black and disgusting and remains uncovered and unsecured. The fence surrounding the backyard is in a state of disrepair. There are black stains covering the outside of the house, and the lawn is unkempt. The pool is a breeding ground for mosquitos which is a threat of disease for the residents in the area. There are small children that live on the same street that have not been allowed to play outside due to the parent 's fear that they will somehow access the backyard of the home through the dilapidated fence and gain access to the black pool and drown without anyone knowing.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This was the same amount disputed from a previous company that falsely reported I owed {$230.00} cable bill from XXXX. This was already removed from my credit report. I never had cable with XXXX XXXXXXXX XXXX 
This account was reported opened on XX/XX/2023 and sent to Credit Management LP collection company. This company has never shown proof that I used my social security number to get cable. I dont even have cable. This company is reporting this erroneously on my XXXX  and XXXX report negatively and I want it removed.