23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX took over my mortgage in XX/XX/XXXX. From that time I have made multiple payments in a month based off of my paycheck deposits. Each month XXXX has held these partial payments in a suspense account until the full mortgage payment has been accumulated. They then have applied it to the next months mortgage payment as intended. XXXX did this up until XX/XX/XXXX when they decided to arbitrairly to take the first payment I made of XXXX and apply it to principal only. This has caused me to now be a payment short in which they are stating they will charge me a late fee. On XX/XX/XXXX I called XXXX Customer service and was rudely told that " XXXX does not accept partial payments and that I should make a full payment! '' The customer service representiative did say " I will request that the funds that where incorrectly applied to principal be reallocated to your normal payment but this would take XXXX XXXX and in the mean time I should make a full payment at the end of the month and that any negative credit bureau reporting or late fees would be reversed '' But according to their mortgage statement what I have been doing is acceptable and explained on the XXXX Mortgage statement as copied here : " Partial Payment Policy Any partial payments that you make are not applied to your mortgage, but instead are held in a separate suspense account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. '' I have downloaded my payment history from XX/XX/XXXX to present from the XXXX XXXX website documenting this process of me making a partial payment and XXXX keeping it in a " Suspense Account '' until the upcoming first of the next month as proof of this being something XXXX has been doing. Now XXXX has taken XXXX of these payments and applied it directly to principal which was not requested by me. I have attached a pdf printout of my payment history directly from XXXX 's website as doucmented proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft.I found numerous accounts on my credit report that was not open. This has been hurting me as I am in the process of buying a home for my family.
Product: Checking or savings account

I had unauthorized charges on my account that kept recurring after I called to see what was happening. XXXX account was compromised and all the charges were eventually returned but Bank of America still refused to reverse the overdraft fees that have amounted to over {$480.00}. I have tried over and over again to get them to do their Credit/Debits to balance it out and show them that I never overdrafted.
Product: Credit reporting or other personal consumer reports

ACTIONS BY ME : XXXX was notified by email and alert from XXXX- ( A new account was opened ) from UPLIFT , Inc. Opened XX/XX/23, Amount XXXX XXXXXXXX pulled my XXXX report and filed a dispute XXXX UPLIFT , Inc advising ID Theft XXXX 
XXXX-I placed a FREEZE on my XXXX credit report. 
XXXX UPLIFT , Inc spoke with Customer XXXX advising them of ID Theft, as I did not voluntarily open credit for myself or for anyone else with UPLIFT. I verified my personal information with them. 
XXXX made follow up call with UPLIFT, Inc- no one would give me any information. 
XXXX-Received email from UPLIFT, to fill out an ID THEFT AFFIDAVIT form to download and submit back to them. The Affidavit form would not download to an acceptable PDF. I called back to inform them of the trouble I was having, they said no problem just email it back to XXXX from the XXXX XXXX. 
XXXX I called XXXX to informed that I was having a difficult time with Uplift , Inc that I asked to speak with XXXX or someone in the XXXX Dept and all I get was voicemail stating to leave a message and someone will call me back..NEVER RECEIVE A CALL. 
XXXX Called UPLIFT for an update, once again nothing! Except for a the person 's name and credit was use for XXXX XXXX XXXX XXXX. 
XXXX-Received response from disputeXXXX Uplift , Inc reports that this account belongs to me. 

Uplift , Inc is allowing bad credit practices, and allowing people to use others personal identification, without validating one 's identity. I have done all that I can do to prove my innocence. I never received any type of correspondence via USPS or email, nor did I receive phone call solicitation asking if I wanted credit with UPLIFT. 
I only found out about this because of the alert from XXXX letting me know of the new open credit. I currently have FREEZE on all XXXX credit reporting agencies. 
Please help me, I am a victim of ID Theft, I did not apply for credit with UPLIFT , Inc. I have already notified the XXXX of UPLIFT , Inc of their bad practice. 
The burden of proof is now on UPLIFT , Inc to show that I signed an UPLIFT , Inc credit application, address, and phone # used, or if done online, there should be an XXXX tracking where the application was originated.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, there are numerous discrepancies in the information reported across credit bureaus : Last Verified : Two accounts lack a " Last Verified '' date, which affects the accuracy and completeness of the data. 
Closed Date : Only XXXX shows a " Closed Date, '' while XXXX and Equifax do not provide this information. 
Account XXXX : XXXX marks the account as " Closed, '' whereas XXXX and Equifax indicate " Paid. '' Account Details : Account Name : XXXX XXXX Account Number : XXXX High Balance : {$14000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Paid Payment Status : Current Two-Year Payment History : XXXX late payment inaccurately reported for XX/XX/XXXX. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payment for XX/XX/XXXX from my credit report. Additionally, I request that Equifax address the discrepancies in the " Last Verified '' date, " Closed Date, '' and " Account Rating '' fields to ensure consistency and accuracy across all accounts. 
I expect to receive written documentation confirming the removal of this entry and correction of discrepancies within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a platinum Capital One credit card and was approved. I contacted them on several occasions asking if they report to the bureaus in which they answered yes. However, Capital one failed to uphold theyre policy to hep one build credit not harm it. The credit bureaus could not find anything or reporting from Capital One, so I requested to close the account and have my balance ( deposit ) returned. On the other han as a result of their horrible service I now have an inquiry on my report in which I would like removed in all fairness.
Product: Credit reporting or other personal consumer reports

Summary of Complaint : Columbia Debt Recovery has violated federal and state consumer protection laws by reporting a debt to collections without proper notification or validation, despite multiple requests. 

Key Issues : Failure to provide attorney information or proof of debt On XX/XX/year>, I requested debt validation and the attorney 's contact information from XXXX. 
They refused to provide any proof or attorney details. 
Columbia Debt Recovery later attempted to collect but also failed to provide this information. 
Failure to send proper written notification before reporting to collections I explicitly requested all communications in writing via physical mail, not email or phone. 
Columbia Debt Recovery only emailed me on XX/XX/XXXX, XXXX was not valid notice. 
Meanwhile, they opened the collection account on XX/XX/year>, before properly notifying me. 
Failure to properly validate debt before reporting it I requested full debt validation, including : A breakdown of all charges Proof the unit was vacant after I left Proof of legal assignment of the debt to Columbia Columbia has failed to provide this documentation. 
XXXX 's investigation failed to fix this error I disputed the inaccurate reporting. 
XXXX closed the dispute and updated some dates but did not correct the core issue of improper reporting.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XXXX XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX from my PayPal account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third-party involved. Upon reviewing my updates, incorrect personal information were found still in my reports. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the personal information that is still reporting on my Credit Reports and need to deletXXXX completely from my Credit Report : XXXX
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts have inaccuracies regarding reporting, amount, and dates.
Product: Vehicle loan or lease

ADDITIONAL INFORMATION TO XXXX SUBMITTED XX/XX/year> Toyota Financial Reposed vehicle account number XXXX. As explained in my original complaint against toyota financial, my payments on both of my accounts with Toyota Financial became past due because of an account error on Toyota Financials end. Yesterday XX/XX/year> they repossessed one of the vehicles account XXXX because of XXXX, XXXX, XXXX, XXXX payments not being made. However, Toyota approved 2 month ( 60 day ) payment extension which they deny ever receiving. I have taken screen shots of the Toyota Financial website where It its timestamped that a representative has in fact received the signed documents. I was on the phone 6 hours with different Toyota Financial representatives on XX/XX/year> and not XXXX of the representatives could view toyotas own portal to see the documents. I was informed that even though documents are visible to me on the Toyota portal they are unable to view the documents unless the processing team uploads them to the system the representatives use. Also, when I spoke to XXXX in the Redemption department he was extremely rude and made me feel uncomfortable. He left me on hold for around XXXX minutes only checking in on me once during that hold time. After the XXXX minute hold he began speaking to me in XXXX and I do not know why. I asked me XXXX times to speak to me in XXXX because that is my native language and I explained I do not speak XXXX. He ignored me XXXX times, I recorded the phone call. When we did finally acknowledge me he rudely said, well I '' m speaking to you in XXXX now and continued on with his conversation. XXXX did not once apologize for his mistake and gave me attitude as if it was my fault and I inconvenienced him for asking him to speak in XXXX to me. Now I feel that XXXX racially profiled me because I have a XXXX name, however my native language is XXXX and I need to know important information such as a repossession in my native language XXXX. The first representative I spoke to after being on a call with her for over an hour transferred me to XXXX without letting me know and I had to explain everything all over again. XXXX was extremely rude and gave a lot of attitude. He came across like he was reading a script and not listening to what I was trying to convey regarding the extension mistake XXXX financial did. I was sent the extension documents more than once however they were dated incorrectly, or a due date change was sent instead of a the extension notice, I continuously uploaded the documents but there was always an issue/excuse of why they didn't receive them. 

I attached the recording of the conversation with XXXX on XXXX XXXX you can hear where he speaks in Spanish to me and I keep tell him I speak XXXX. This call XXXX tells me how the payments were applied but the extensions he mentions are ones Toyota placed to fix the original error of misapplied payments not my error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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
Product: Debt collection

XX/XX/2019 payment made : XXXX XX/XX/2019 payment made : XXXX Account was paid in full. 
Bay Area Credit reported me to my credit report after I paid the account in full which has negatively impacted my credit. I received no communication ( phone or written ) on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my condominium ( just under {$700000.00} ) with XXXX XXXX, closing in XX/XX/2021. I made three payments to XXXX ( XXXX, XXXX, and XX/XX/2021 ) when I received information from Pentagon Federal Credit Union ( PenFed ) that my loan had been sold to them. I registered on their website for automatic payments in mid-XXXX, but noticed that my XX/XX/XXXX payment didn't appear on my bank website. When I checked my PenFed account on their website, it showed I was delinquent for XXXX, despite the fact that I paid XXXX in full to XXXX. I called PenFed on XXXX XXXX and reported the problem. They said they would look into it. They said it looked like XXXX had transferred the principal amount of my payment, but not the interest. I also reported this to XXXX XXXX the same day and received an email saying they would investigate. On XXXX XXXX, I received an email from XXXX XXXX  ( with whom I have another loan ) reporting a negative report on my credit record. PenFed filed a delinquency for the full amount of the loan balance 12 days after I reported their error to them. I have been working with them since them but they have failed to remove the erroneous delinquency report from my credit record, causing my score to drop to very poor score. This seems to be a blatant violation of the Real Estate Settlement and Procedures Act, Section C ( 1 ), which provides for a 60-day grace period for reporting to credit bureaus. I have been in contact with Vice Presidents from both XXXX and PenFed but they have not removed this erroneous report from my credit record. I have made all payments timely. I am attaching email correspondence with XXXX XXXX showing that they acknowledge the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agency keeps allowing different collections agencies to re-post the same account. XXXX XXXX XXXX {$1000.00} collecting a debt for XXXX XXXX XXXX XXXX. Well the original creditor XXXX XXXX XXXX XXXX has already sent word to the credit reporting agencies, that the accounts with them were fraudulently put in my name. which were way lower at {$100.00}, & {$250.00}. now its being listed as {$1000.00}. 
This is causing me and my family financial hardship because I am not able to qualify for a house due to this hindrance on my credit report. I plan to also submit a complaint to the attorney general for the state of Texas. I also am seeking the advice of counsel that will notify me of all my options in reference to this issue and how it has had a negative impact on my and my family 's lives.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have reported these items to the Federal Trade Commission and all are being investigated by them.
Product: Credit card

Bloomingdales credit card ( Citibank NA ). I was paying every month for the life of the loan on time. The card allowed over the credit limit and increased my monthly payment without notice. Once the monthly charges increased, I contacted their customer service ( XXXX ) in XX/XX/XXXX and ask why my monthly fees increased, they stated that they randomly charged additional fees for over the limit amounts to bring my balance down. I paid extra payments to bring it up to date and they still reported a delinquencies on my credit report. On XX/XX/XXXX I spoke to XXXX and XXXX to ask them why was I charged late fees even though l paid on time every month. XXXX stated that she noticed I paid on time every month and agreed to credit {$400.00} for the late fees. I was transferred to XXXX and she was going to help me with a hardship plan which forced me to close out the account, which will ruin my credit. They stated that they will continue to report derogatory information on my credit report even after I agreed to a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CITICARDS CBNA with no successful resolution. XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Checking or savings account

This is in follow-up to complaint XXXX submitted on XX/XX/XXXX. 

Wells Fargo is claiming I can not close my mothers Wells Fargo savings account and withdraw the funds because it is a joint account with two other people on the account. The two people are my siblings. 

On XX/XX/XXXX at XXXX XXXX. those same two siblings and I met at the Wells Fargo branch closest to my sister 's house to close my mothers checking and savings accounts. We were able to close the checking account on that visit, but the staff told my siblings that the savings account was not a joint account, so they could not close it. This is the same savings account Wells Fargo is now claiming is a joint account ( with those same two siblings ). 

Staff made a copy of her death certificate to send to the appropriate department for notification of death. 

In XX/XX/XXXX the court appointed me to manage my mothers estate. 

After that, I attempted to use my court appointment letter to close my mothers Wells Fargo savings account and withdraw the funds. After initially being ignored, Wells Fargo now claims the account is a joint account, so I can not close it or obtain the funds. 

So either Wells Fargo should have allowed my siblings to withdraw the funds and close the account in XX/XX/XXXX or else the joint account paperwork recently produced by Wells Fargo is fraudulent. Wells Fargo should explain why my siblings were prevented from closing the savings account under the rationale that only my mother 's name was on the account. 

Questions for Wells Fargo : If my siblings go again to Wells Fargo to withdraw funds, will they have ANY problems? 

It is difficult to obtain an appointment at the bank convenient to us, so I will have my siblings leave a letter indicating their wish to close the account. The letter will include their names and addresses, a reference to my mothers name and address, the account number, and their request to close the account. Will that be sufficient information? Please do not refer me to any Wells Fargo forms we will draft our own letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$190.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$51000.00} Inquiries : XXXX XXXX XXXX : XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX XXXXccount Number : XXXX Amount : {$260.00} Date of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I experienced identity theft in XX/XX/2023, where my social security, ID, and other documents were stolen. I noticed that there is a hard inquiry on my credit report made on XX/XX/2023. I have since activated a fraud alert and a credit freeze on both XXXX and XXXX. However, when I try to make an account for Equifax, it says that my address does not match what is already on file. I have not ever made an account with Equifax, leading me to believe the thief has made an account impersonating me and has the incorrect address on file. I would like to change the address to my correct address, as well as change any other personal login information so that the thief no longer has access.
Product: Debt collection

I have been violated by JPMCB on XX/XX/2021. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.