23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage with Community Loan Servicing, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX. My loan number is XXXX. I have never had a late payment. On XX/XX/2021, I paid electronically the {$2600.00} monthly mortgage payment due XX/XX/2021. They e-mailed receipt of the payment, and it was deducted from my bank account. At that moment in time, we were even. Then on XX/XX/2021, I mailed a separate personal check for {$50000.00}, and wrote across the top of the check PRINCIPAL PAYMENT ONLY. I enclosed a two line letter which read Please apply this entire {$50000.00} to PRINCIPAL ONLY for account XXXX. Thank you! 

But that is not what ensued. Community took an interest-free loan of two months forward payments ( due this coming XX/XX/XXXX and XX/XX/XXXX ), indicated my next payment was not due until XX/XX/2021, and applied only {$44000.00} to my principal. I mentioned this to my wife who reminded me that this had happened several years ago when I tried to make an extra {$10000.00} payment to principal. 

I telephoned Community ( XXXX ), finally got to escalation, and talked to XXXX XXXX who said when a check is received and assigned to principal, the programming automatically deducts the next two months forward mortgage payments. She did not know why the glitch existed, but said she would rectify my account, and that in the future any payment I make to principal should be discussed with a live agent. 

I ask if this malfeasance should be tolerated. Ultimately, they are in accordance with the terms of the mortgage, and one can prepay principal, but only after they intentionally try to get away with something. As a consumer, I spent over an hour on the telephone trying to rectify my situation. Are they allowed to put me through all this to prepay principal? And how many of their other customers just let it slide and give them the interest-free two-month loan?
Product: Debt collection

THEY REPORTED THIS COLLECTION TO XXXX CREDIT REPORT INDICATED TO THEM THAT THIS COOLECTION DOSE NOT BELONG TO ME THEY IGNORE MY TRUTH ON THIS MATTER AND REFUSED TO HAVE THIS REMOVED
Product: Credit reporting or other personal consumer reports

This is my several request that I am a victim of identity theft and I write to dispute certain item in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX and I am submitting this complaint without any influence from a third party or agency.
Product: Debt collection

BSI illegally took late fees from me during a bankruptcy. Since filing the complaint with CFPB last year in XXXX. They have reversed the credit that they initially gave based me on the results of complaint XX/XX/2020, where they agreed this was not suppose to happen. 

You will notice in the attached exhibit where they rescinded the payment without an explanation. 

This is just many of the illegal practices. If the consumer does not watch out for themselves with debt collectors like this company it will continue. 

Please help me with this if you can.
Product: Credit reporting or other personal consumer reports

All these inquiries I see on my profile that I did not authorized I list them below. 

XXXX XXXXXXXX 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 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 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: Debt collection

I received word that they submitted my personal information to an address in Georgia.

I live in Texas and My forwarding address, which was provided to the apartments.

Why are they sending my personal information to a business in Georgia? The business it was sent to is some kind of peo company. Has nothing to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters I have also disputed the information thru the company and they have not removed them or sent me any written consent to me giving them permission to report these inquiries 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

Two new derogatory student loan accounts just appeared on my credit report. These accounts are reporting on Transunion and XXXX. The account balances are XXXX and XXXX. These accounts were supposedly opened on XXXX of XXXX. All my student loans are paid and closed. I have not opened a student loan account since XXXX. These accounts are not mine and should be removed from my credit. They have grossly increase my debt reporting on my credit report. These are not my accounts.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries :. XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing XXXX XXXX to furnish inaccurate information to my credit file. Charged off account ending in XXXX. XXXX is reporting XX/XX/XXXX for date last active while Equifax is reporting XX/XX/XXXX. This is a 2 year difference. I want the account deleted due Reporting inaccurate information. I do not want to see disputed and verified of this account. I am providing proof from my actual credit report that the information is being reported inaccurately.
Product: Mortgage

In reference to XXXX with Consumer Finance Protection Bureau.  Ditech had not only lost our two payments, but has finally found them at the conclusion of the above complaint number. They had said they would apply the funds and fix any late charges due to their losing our payments. After going on their website at the conclusion to the above number, I found that they had not applied any of the funds and still showed us as being late for a payment that they had lost last year that took three plus months to resolve. After sending them a comment on this on their website, they applied the funds. They then sent us a letter stating that we owed {$7.00} dollars and some change for a late charge from this past fiasco in XXXX and XXXX. I am not paying any late charge because they lost our payments, and they had said that they would take care of the late charges. This is harassment! Now, they have reported us to the credit bureau for " Being Late. '' This is ridiculous! I am tired of their tactics, I waste hours of my day trying to call them and staying on hold to end up with a person that can't do anything other than say they will look into it and meantime I continue to get letters from them threatening to take our house and so on. I believe this borders on being personal. I have never had this problem with any mortgage company that I have dealt with before. It is their own ineptitude, that is causing these issue!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : CITY OF XXXX XXXX Account Number : XXXX Account Name : DESIGNED RECEIVABLE SO Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I recently created an account with Equifax to freeze my credit. After creating a user name and password I used those credentials to freeze my credit. On XX/XX/XXXX I attempted to log in to Equifax to verify my credit was frozen. The login failed saying that my user name / password were incorrect. I verified that they were in fact correct. I clicked on the " help with login '', but received the message that the service was " temporarily unavailable ''. I tried again XX/XX/XXXX, both in the morning and again in the evening, with the same result. Each time their login help was " temporarily unavailable ''. On XX/XX/XXXX I called Equifax and was put in contact with an agent. The agent said the problem was fixed and I needed to wait XXXX minutes to log in. I waited several hours and when I tried to log in I received the same error. I called Equifax again, this time the recording said they could not put me in contact with an agent. The result is I am now locked out of my account and Equifax will do nothing to resolve this. If this was any other company I would just cease to do business with them. Unfortunately we can not opt out of their credit reporting.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. The Fair Credit Reporting Act ( FCRA ) CLEARLY explains that both TRANSACTIONS and EXPERIENCES between the consumer and the person making the report are to be EXCLUDED or NOT INCLUDED on a consumer report. I am the consumer and a person is defined as the following under the FCRA INACCURATE INFORMATION DISPUTE : The items I am disputing are as follows : 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 These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$XXXX} per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report! Inquiries : XXXX XXXX SER Date : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX  Inquiry Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry Date : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry Date : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : These hard inquiries were reported without my written consent and therefore are a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$XXXX} per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report!
Product: Debt collection

I paid the debt for Ann Taylor XX/XX/2020 received a call this morning from XXXX a phone number registered in XXXX XXXX, VA to call XXXX regarding a complaint # XXXX. I called XXXX and this number is no longer in business. I called XXXX and was threatened with a law suit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. 
First he said he mailed a letter to my current address on XX/XX/XXXX. Then he said he mailed a letter to my old address from the XXXX 's. He said I will be sued in court. 
I called XXXX XXXX XXXX and they said they do not have a location at XXXX XXXX XXXX XXXX. I called Ann Taylor credit card and they no longer have a credit card for me and it is showing as paid. The Supervisor said this is a scam and to report the caller. 
I have records of my paid receipt.
Product: Credit reporting or other personal consumer reports

Experian and XXXX are both reporting erroneous information regarding my mortgage loan with XXXX. Experian and XXXX FAILED to report the correct balance and its status, stating that the balance has increased ; when in fact, the balance has done the opposite. The balance has actually decreased. This moronic reporting has resulted in a XXXX point decrease of my credit score. I want this smartly corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Experian on XX/XX/XXXX as well as XX/XX/XXXX. I noticed my credit report reflected two inquiries from XXXX XXXX (XX/XX/XXXX andXX/XX/XXXX ), as well as an inquiry for XXXX XXXX  onXX/XX/XXXX. All three of these I did not authorize. I explained to XXXX that the instructions on the site said to call them to dispute the inquiries. He said that he can only do that in " special circumstances '' and refused to transfer me to a US Handling Rep. I asked him why the instructions on the website are to call the number that lead me to his desk, and he refused to answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently moved to California and was in the process of switching to a new Credit Card. I called to cancel my American Express Delta Gold Sky Miles Card and was under the impression it was canceled. However, it was not and there was still a XXXX $ balance on the statement that went unpaid for 60 days. This severely hurt my credit and since I had moved to a new address the mail had not reached me in time to pay this on time. I have now paid all debts and closed all American Express accounts. 

I have NEVER missed a credit card payment until now and as a result all of the " Big Three '' credit bureaus have lowered my credit score by 123 points which has not put me at a " fair '' rating. I view this as highly unfair and furthermore it makes the process of buying a house in my new city extremely more complex. 

I would like to understand what my options are to fix this since I have maintained a pristine credit report up until this time. 

Best, XXXX XXXX
Product: Mortgage

I refinanced in XXXX with TCF Mortgage, in XXXX I refinanced again this time using XXXX. Now I am trying to sell my house but a title search has shown that TCF Bank didnt properly satisfy the mortgage with the county. I have been trying to get resolution from TCF Bank since early XXXX. When you call them you have a hour wait which I have waited but still dont provide help. You cant get a direct number to anyone and if you send a email to customer service you dont get a reply back. I have a title company trying to help with this but get the same results, in fact when they actually spoke to someone and asked to speak to a manager they were hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX XXXX {$610.00} XXXX   XXXX {$1900.00} XXXX XXXX  XXXX {$670.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$460.00} XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$670.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX {$670.00} XXXX XXXX {$320.00} XXXX  XXXX XXXX {$430.00} XXXX  XXXX  XXXX {$36000.00} XXXX XXXX XXXX XXXX {$230.00}
Product: Debt collection

NOTHING " HAPPENED '' A FALSE BILL FOR A NON EXSITING DEBT FOR {$470.00} CLAIMED TO BE 17 DAYS LATE REQUESTING PAYMENT FOR {$2400.00}
Product: Debt collection

I sent a certified dispute letter to XXXX XXXX on XXXX XXXX. In it I also requested proof of damages. XXXX XXXX has been unable to verify the debt and has reported this alleged debt to the credit bureaus. I believe it is unfair to me to have fraudulent charges to be as a negative item against my credit report. Please help me.
Product: Credit card or prepaid card

CitiCards upheld a request to chargeback a fraudulent transaction made to my card by XXXX. Citi closed the " case '' saying in a recorded call that the date of my cancellation of XXXXXXXX  service was never communicated - despite my telling them " XX/XX/XXXX '' several times. I allege Citi did not properly follow chargeback norms, and failed in its duties, and is still charging me the charge. There is also the matter of XXXX  tself, and its absolutely failure to communicate back with me, as well as several misstatements that company has made ( they provide services to those submitting expense reports, and their business tanked during COVID, thus they are " grabbing '' revenue ). In fact - Citi is in possession of an email FROM XXXX  saying if I would withdraw the chargeback, they would refund me the money - and STILL no refund. Citi is complicit in its behavior to this fraud.
Product: Debt collection

( Subject : ) XXXX XXXX XXXX XXXX XXXX XXXX am writing to express my concern regarding what I declare to be a violation of my privacy rights in connection with the handling of my credit information. After reviewing my credit report obtained from your agency, I have identified collection that raise serious concerns about the protection of my private information. I am requesting the original contract/agreement to verify you guys have the right to report this unverified & unauthorized information. The handling of my personal and financial information is governed by various privacy laws, and I trust that your agency is committed to upholding these standards. The unauthorized access or sharing of my credit information is not only a breach of trust but also a violation of my privacy rights. 

I am formally requesting an immediate and thorough investigation into these matters to determine the extent of the privacy breach and the parties involved. Additionally, I request that you provide me with a written response within 30 days, outlining the results of your investigation and the steps taken to address the privacy violations. 

Please take all necessary measures to rectify the situation, and I expect a detailed report on the corrective actions implemented to prevent such privacy breaches in the future. 

Thank you for your prompt attention to this matter. Safeguarding my privacy is of utmost importance, and I would appreciate your cooperation in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try dispute with all 3 Bureus a chapter 13 also disputed with XXXX XXXX they all saying is verified by court they all get in this information from XXXX XXXX that is a third party agency so basically they are lying so in other words I would like this resolution resolved right away thank you they all lied sayin is verify by court court doesnt report to know one please deleted this immediately as I have proof from court an also is against the fair act to lie in reporting a file
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it MayConcern This complaint is being sent to the bureaus due to an unsigned letter of debt andseveral listed errors on my credit file.Please be advised that the items below are disputedand validation and proof of claim of the disputed debt are requested in accordance with theFair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the followingnew Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All ofwhich work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant 's mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Title sand Sections. I respectfully request that a re-investigation with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, please advise all debt account companies shall cease all verbal communication. No phone calls to me or my job. Due to this fact ; if any negative mark is found on any of the credit reports by these companies or the company thatyou represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt CollectionPractices Act Defamation of Character Violation of United States Code TITLE 18 PART 1CHAPTER 63 1341 ( Mail Fraud ) Please provide verification or delete these items : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

i received a loan for XXXX they told me they would take out XXXX ever 2 week til i payed the loan off which after fee would be XXXX i made all payments and now they say i owe XXXX in interest fees i never even signed a agreement i looked it up and they dont have anything for my agreement to pay that much interest i was told it was XXXX what i would owe what can i do to get this taking care of my name is XXXX XXXX ph number XXXX XXXX XXXX