23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am currently on a HAMP loan that was originated in 2013. Under HAMP I was suppose to receive at {$1000.00} credit each year after 12 consecutive payments are made on time. It is clearly written in my modification documents. Each year after 12 months of consecutive payments, I have called Mr Cooper to request the credit. I have always had automatically payments set up with them so all payments have been on time. They always tell me that I am only eligible after the full 5 years of payments is completed. I am now beyond the 5 years since origination. I have been trying to contact Mr Cooper regarding my incentive credit under the program. Mr Cooper representatives keep saying it will be processed shortly and that I will receive written notice. I have not received anything in over 5 years and have been calling every month or two for status for the last 4 yrs. They refuse to put anything in writing even after numerous request for written confirmation they are processing the incentive credit. Mr Cooper 's website does not have option to send email so that I can receive written response. I have tried to calling Making Homes Affordable counselor for assistance, but they have been unwilling to help, but did tell me that the lender is suppose to give me the credit each year after consecutive 12 monthly payments are made on time, not after 60 months. They also indicated that I should also be eligible for up to {$5000.00} credit if I make 12 consecutive payments on time in the 6th year. I feel like Mr Cooper is is violating the terms of the modification so that they can keep money that funded by the government. I need help please!
Product: Payday loan, title loan, or personal loan

LendMark financial is the worst company. There are always different balances on your account, but the little rude, ignorant staff members never want to explain where they come from. This company needs to be investigated. Asking to investigate them, if it is not done, part of the problem, will be that this place is going to have a lawsuit against them. Investigate them. XXXX NC branch. XXXX XXXX location.
Product: Credit card or prepaid card

About a year ago I obtained a capital one XXXX and used it to start building my credit. Over the period of having this card I experienced, on multiple occasions. My payment being declined, despite having more than enough money to cover the payment, the payment wouldn't go through, or some other erroneous reason would be given on why the payment wasn't processed. However once having customer service on the phone, the payment went through fine ( using the exact same bank account. ) Despite this. My credit score was on the rise. Even going over 600 and encroaching XXXX. The last incident of no payment resulted in the company canceling my card. They stated that the reason was due to issues making payments. The same week they canceled my card, they also sent me a congratulatory email, praising my own time payment history. This felt criminal what this company was doing, and borderline harassment. Since the issue of the last payment not going through and my plan being canceled. My credit score dropped almost XXXX points. I want an official complaint made and if this doesn't work, I will seek private representation. I worked very hard to build my credit... I have struggled in life and finally gotten on the right path but what this company has single handedly done to negatively effect my credit and subsequently, my life, is extremely demoralizing. I really hope some one sees this and takes this seriously. They were in the wrong, I called them out for it. And they retaliated in what feels like a direct attempt to ruin my credit... I have proof..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year> transunion - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This account is in litigation I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Mortgage

My name is XXXX XXXX XXXX I am the XXXX more then 8 years as XXXX & XXXX. 

I am in the middle of a modification with Nationstar on my home loan here in XXXX XXXX CA After being invited in writing to apply for modification in XXXX and just this XXXX having been approved with an unexceptipal modification offer because it forgot to include the $ XXXX principal reduction alocation. I received approval from XXXX for the priceable pay down I am faced with the fact that Nationstar filed a " Notice of Default '' right in the middle of my loan modification consideration time period. I have become a victim of " Dual Tracking '' I am afraid i will shortly receive a 21 day notice of sale as a result of this mistake. 

I need help to get the Nationstar bank to recall the " Notice of Default '' in direct violation of the " CA Homeowner Bill of Right '', this is an error and i cant get the bank to self correct. 

I need to move forward in a positive way. 


how can your office open a case for intervention?? I have to meet a client in XXXX XXXX. Friday I will leave the usa so we have to move fast as you can understand. 

Please help me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  ( {$30000.00} ) is not my collection or account & needs to be removed immediately. They have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. 

According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. 

Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Credit card

Whenever I applied for a credit card at XXXX they said that I just didn't qualify for it and wouldn't tell me exactly why
Product: Debt collection

NOTICE OF INTENT TO FILE A LAWSUIT CEASE AND DESIST NOTICE OF DISPUTE AND DEMAND FOR IMMEDIATE CORRECTION Experian should demand itemize billing documentation of medical bills that I attended XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Instead of just believing them against me. 

I do not attend XXXX XXXX XXXX and owe no bills to them or anyone. Investigation should be more than just calling XXXX XXXX, XXXX but documentation as to why derogatory medical bills were in my reports XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXX  XXXX XXXX XXXX ACCOUNT CREDIT LIMIT {$8000.00} IS SHOWING A USAGE 53 % THIS IS INCORRECT. THU DUE DATE IS XX/XX/XXXX, XXXX THE STATEMENT CLOSING DATE IS XX/XX/2021. MY ACCOUNT WAS PAID IN FULL AND ON TIME. THE BALANCE SHOULD SHOW {$0000.00} XXXX DOLLARS DUE.
Product: Checking or savings account

XX/XX/2020 and on XX/XX/XXXX of 2020 as well theres a particular two transactions done to the Bank of America account one of them was initiated by me it was just gon na be a transfer from the account the business account to the personal no the verification did not go through so I had a calling to the bank and they were ever verify everything was good now on XX/XX/2020 there was a deposit down to the account and this deposit was supposed to be from a client of mine that I have paperwork for all the paperwork needed to work on the XXXX  now he left me a down payment cash yes me too if you could direct deposit me the funds the rest of the funds I said yes so I gave them the account number now he made a mistake in the direct deposit to put it out to payable to him so I did not see that that was the case until the bank got involved and let me know of the situation i got in touch with them when inside the branch and told him. They provide me with the information to dispute the transaction for when I was home and everything was gon na be fine that wasnt the case when I got home called and they said that they had to close down the accounts I have all necessary paperwork that Ill be providing to you guys you guys can go over this paperwork this is the work that was done to this mans XXXX  and the bank is interfering in my business and hurting it and money wise transactions
Product: Debt collection

On XX/XX/20, I received a phone call At XXXX from a number saying it was from XXXX Fl. I was in a meeting and could not take the call. My parents contacted me shortly after stating XXXX XXXX XXXX called them at XXXX asking for my phone number. 

My father has XXXX XXXX and is receiving treatment from XXXX XXXX XXXX. I attend most of his appointments and have been applying for assistance to various organizations for his medical expenses. I expected the call the be in reference to that and attempted to return the call today, XX/XX/20. 

The call was not answered as XXXX  XXXX XXXX  ( which uses a XXXX  Fl Number also ) so I asked the name of the company. The ladys phone kept cutting out so I asked several times and the best I could gather was Diversified adjustments. After telling the person to never call again, to my parents or to me, and to remove me from their list, I hung up. 

I then went online to try to research to find out the type of business. It appears they are a collection agency, but I could have the wrong business name. To the best of my knowledge, I have no outstanding debts unpaid that should require a collection agency to be contacting me. Ive received nothing in the mail and nothing is on my credit report. 

I am appalled that any agency would mimic a cancer center calling. My father is elderly, XXXX XXXX XXXX XXXX and has numerous phone calls coming in from unknown numbers daily with doctors following up on his treatments. I dont know if this situation qualifies under this report, but something should be done. My parents are now going to be leery of answering unknown numbers but must do so to keep in contact with his doctors. Its sickening that this company would do such a thing.
Product: Mortgage

On XX/XX/2020 I used my banks online payment service to make an electronic payment from my checking account to United Wholesale Mortgage for my monthly mortgage payment for the month of XXXX in the amount of XXXX. The payment was withdrawn from my checking account but was never credited to my mortgage. I was told by United Wholesale mortgage that the payment was never received, so I paid my XXXX mortgage for a second time on XX/XX/2020, this time through my mortgage companys online system. After filing a dispute with my bank, I was told that the payment was sent to XXXX XXXX XXXX and Reporting and was provided with a Proof of Payment sheet which I sent to United Wholesale Mortgage/XXXX XXXX XXXX and Reporting. I was informed via a letter from the mortgage company that the payment could not be found because the bank had not provided the correct information needed locate the payment, and because the transaction had the wrong account number ( when the payment was sent, the account number had defaulted to XXXX XXXX. My bank has insisted that the information they provided is the only information they have and should be sufficient. They have let me know there is nothing more they can do to help. I have subsequently tried to contact United Wholesale Mortgage using the phone number on the letter they sent, but they do not answer and have not returned my calls.
Product: Credit reporting or other personal consumer reports

I have requested to OPT OUT multiple times with no response or success. The company continues to report inaccurate information.

15 USC 1681 and 1681 ( b ) Written consent needed ( page 10 ) also 6801 Per the FCRA as a federally protected consumer I am opting out of any and all authorization I the consumer may have given you written and unwritten, verbal or non-verbal per 15 USC 6802, 15 USC 6805 and the privacy act of 1974.
Product: Credit card

After going through my credit cards I could n't figure out why my Best Buy credit card balance was not going down even though I had been paying {$100.00} a month for over 3 years. I never paid close attention to the balance because I had continued to charge items as needed. I was notified that my promotional period was ending on my card and I would be charged an additional {$1000.00} if my promotional balance was n't paid. After deeper investigation of my bill I called a phone number where it listed I was paying a {$30.00} fee per month. The man on the other end explained that I have been paying for a debt protection service since 2011 that I never agreed to. NO WONDER MY BILL WAS N'T GOING DOWN! After reading online I realized that I was not the only one scammed by this and I need help in rectifying this issue and getting my money back. It turns out that many people have been scammed in this same way because the service is added on by a sales rep or in some back ended manner without approval from the card holder. I was never notified of the fees when I signed on and I pay my bill paperlessly. This is a true reflection of consumer gouging and taking advantage of people. It is a crime that I insist must be investigated and repaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct my birthdate with Equifax. It's been over a year and they still haven't made the correction.
Product: Mortgage

My closed Suntrust HELOC second mortgage account has a fixed rate balance which I have always paid on time, including extra principal payments monthly. The changeover to Truist has been a nightmare, and I believe I am being defrauded. Specifically, the highlighted XX/XX/22 statement scan attached, clearly shows that I was charged TWICE in one billing cycle for {$130.00} interest, both on XX/XX/22 and again with an extra principal payment made on XX/XX/22. Yet another payment made after this billing cycle, on XX/XX/22, shows XXXX interest deducted. I am certain that when I soon make another payment, they will yet again charge duplicate interest within the same billing cycle. Their computer system is not only incapable of applying additional principal payments correctly, it is breaking the law. 
Yet Another, second issue is that a partial month final billing from Suntrust had already charged me for approximately 10 days interest, then Truist applied overlapping interest to that with their first statment. A third issue, is that Truist is NOT applying extra principal payments as principal only. They are applying them to future month 's payments, and charging me interest from those future months at the time I am making extra principal payments! They are charging me FUTURE INTEREST! THIS IS NOT LEGAL, as there can not be a penalty for paying a loan off in advance, at least not in Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is violating my rights under the No Surprise Act of 2022. I have a medical bill with that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as I am allowed a fair and correct credit report according to the FCRA. Please see details below : RETAIL MERCHT ASSOC XXXX XXXXXX/XX/XXXX in the amount of {$440.00} RETAIL MERCHT ASSOC XXXX XXXXXX/XX/XXXX in the amount of {$1700.00} RETAIL MERCHT ASSOC XXXX XXXXXX/XX/XXXX in the amount of {$250.00} RETAIL MERCHT ASSOC XXXX in the amount of {$100.00}
Product: Credit reporting or other personal consumer reports

These collections were illegally obtained in my name and nonetheless inaccurate and illegal. I have already disputed these items. Please remove these collections and inquiries listed below as soon as possible. 

XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX  {$4900.00} XX/XX/XXXX XXXX XXXX  {$840.00} XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I XXXX XXXX disputed through XXXX a debt from a debt collection agency by the name of JEFFERSON CAPITAL SYSTEMS which I have no contract with. The XXXX investigation concluded through their investigation that the reported credit results were factual on XX/XX/year>. Absolutely no contract, original documents, nor any document or proof that the account is or was ever mine nor how XXXX determined how they reached the conclusion of this investigation. It appears as if someone made a simple phone call or document and took a random persons word without legitimate factual legal proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Got a credit report done and found a mortgage loan that has been open for about 7 years without my consent.
Product: Debt collection

XX/XX/2018 Portfolio RC : Balance {$470.00} Don't recognize account Looking forward to getting this negative items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

HYUNDAI FINANCE has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also XXXX is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX, It is a violation to re-age a collection account This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX acct # XXXX is inaccurately/ inconsistently reporting data on XXXX of XXXX of my consumer reports. This is negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. I want these damages to END!!! 

Inaccurate on XXXX and EQUIFAX. 
Absent on XXXX. 

Further, the late payment histories are inaccurate in their respecting reporting, and also negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. The account is CLOSED therefore NOTHING is late WHATSOEVER. 

I have attached screen shots of the discrepancies, circled. 

15 USC 1681e states : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681i states : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681n states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.