23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have been on track making the fixed monthly payments on the loan, plus making extra payments within each month ( after paying the fix monthly payment ). However, the company does not apply my extra payments to the principal balance. I contacted the company several occasions and they said they apply the extra payments to future interests, that has not accrued yet. Allocating my extra payments to interests not accrued have limited my ability to reduce my principal balance and I feel it is unethical/scam to use this billing method. 

XXXX, 2023 payment for example. 

Amount due : {$0.00} Amount paid : {$230.00} Allocations by company : {$190.00} interests, {$45.00} Company says {$190.00} is future interests that have not accrued yet. 

Contacted the company on XX/XX/2023 2023
Product: Debt collection

Starting XX/XX/2023, Credit Collection Services violated my rights as a consumer according to the Truth in Lending Act. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that Credit Collection Services is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that Credit Collection Services is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that Credit Collection Services is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that Credit Collection Services is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

I sent a notarized Affidavit of Truth on XX/XX/2023, a copy of the violations, as well as an invoice related to the violations. Credit Collection Services has failed to respond appropriately.
Product: Checking or savings account

I had issues of multiple unauthorized ACH transfers from multiple remittance companies starting in XXXX, XXXX, XXXX, XXXX and XX/XX/2019. I have visited the Chase branch at XXXX XXXX, California multiple times and have closed and opened new accounts four times. However, my newly opened accounts continuously are compromised with unauthorized charges. I have asked Chase for options to control my account from either restricting ACH transfer to select merchants, using two factor authentication to approve for ACH transfers or rejecting ACH transfers from any remittance company. I have been advised by Chase that there no control options other than to close the account or to call Chase if an unauthorized transaction occurs. This also requires me to sign an affidavit acknowledging the unauthorize transaction every time an unauthorized transaction occurs. This is simply too burdensome. I have closed and opened new accounts 4 times, per Chases advice. I have run anti-malware and anti-virus software on my computing devices and they all came out clean. The unauthorized transactions keep on occurring and Chase is stating they dont have any controls or mitigation steps to secure my account. Please assist.
Product: Credit reporting or other personal consumer reports

Issue Type : Mortgage Credit Reporting and Servicing Explanation : I am filing this complaint regarding an inaccurate 30-day delinquency reported by Freedom Mortgage Corporation for XX/XX/XXXX. The delinquency was caused by a confirmed banking error from my financial institution, XXXX XXXX, which delayed my payment. Despite providing documentation from XXXX Bank that clearly acknowledges their responsibility for the error, Freedom Mortgage has refused to amend the derogatory credit reporting. 

Details of the Issue : My payment for XX/XX/XXXX, was processed by XXXX XXXX through their bill pay system. Due to a technical error on their end, the payment was delayed and not received by Freedom Mortgage until XX/XX/XXXX. 
XXXX XXXX  has issued a letter acknowledging the error and confirming that funds were available and intended to pay the mortgage on time. This letter was provided to Freedom Mortgage on XX/XX/XXXX. 
Freedom Mortgage rejected my request to amend the credit report, citing that XXXX XXXX  is an " unauthorized third party '' and claiming they are unable to honor such requests under the Fair Credit Reporting Act ( FCRA ). 
I have attached the letter from XXXX XXXX, my payment history, and any relevant supporting documentation to demonstrate that the delinquency is not due to my actions or negligence.
Product: Credit card

XX/XX/XXXX  : Made online payment for items from XXXX XXXX ( camping accessories for a trip I was planning ) XX/XX/XXXX  : Items show as delivered from XXXX XXXX. There is an link to click for proof of delivery, but nothing populates when link is clicked on. 

XX/XX/XXXX  : Reached out to XXXX XXXX about order not arriving. They told me to contact the shipping company who then told me I needed to contact XXXX XXXX. I filed a claim later that day with Wells Fargo for {$520.00} ( total amount of order ) XX/XX/XXXX  : Wells Fargo denied my claim. Did not update with reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER WENT TO XXXX XXXX UNIVERSITY. 
IT IS SHOWING TO ACCOUNTS ON MY CREDIT REPORTS ON ALL THREE CREDIT BUREAUS AND FROM XXXX, ACCOUNT # XXXX AMOUNTS {$1900.00} {$85.00}
Product: Money transfer, virtual currency, or money service

I got scammed yesterday, XX/XX/XXXX. A man pretending to be my uncle from XXXX asked me for money because he was being held at the XXXX XXXX. I believed him and he told me to send money to his attorney from the airport. I sent two payments, one for {$900.00} and the other for {$500.00}. I realized it was a scam when he called me again and asked for more money. I reached out to my bank and they cant do anything about it. I reached out to Remitley and they said they couldnt do anything either. They have her account information so I dont see why they cant refund the money.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is reporting me as 120 delinquent when I was not in repayment, and forwarded a payment history which proves their error. The attached email from Nelnet proves that my application was submitted eventhough it does not show on their history. I was not required to make payments at that time ( so had no payments to continue ) and was subsequently approved for an income contingent plan. I should never have been reported 120 days late. That rating is devasating my credit, and must be corrected immediately..
Product: Vehicle loan or lease

Bought XXXX XXXX XXXX XXXX on XX/XX/2007. Struggled for 7 years to pay about 1000.00 per month. Argued about late charges went to court settled for XXXX over a year ago still have no title and can't use car. M and T bank have lied to me, harassed at work and threatened me with bodily harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion & XXXX would not remove these accounts from my credit after doing the online dispute and writing in my dispute. XXXX has already removed these accounts due to an insurance claim. Both of these accounts were joint accounts and the vehicles were not my responsibility : XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, Transunion, and XXXX would not remove these account after I requested it to be investigated by showing proof of a physical contact that I signed, per the FCRA : XXXX XXXX : Account # XXXX ******XXXX XXXX. Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service and online dispute would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXAuto Financing XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Transunion customer service would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

I purchased a dating service via my Chase Freedom Card ( Chase ) on XX/XX/2021. On or about XX/XX/2021, I notified Chase that the vendor was not provided the service pursuant to the terms of their Agreement, and I was disputing the charge of {$4500.00} from the vendor. 

On XX/XX/2021, I completed a questionnaire from Chase regarding the disputed charge. I faxed the completed form at a Chase branch in XXXX XXXX, NJ. On XX/XX/2021, I received a second request from Chase requiring additional information regarding the disputed charge. I then submitted my 2nd completed questionnaire on XX/XX/2021 and faxed the questionnaire at the Chase branch in XXXX XXXX, NJ. 

On XX/XX/2021 I received a letter from Chase saying that they found no billing error based on our research. They did no research nor did they review the two ( 2 ) questionnaires I completed. ( Please note that their letter was signed by an individual only providing their first name, which provided no accountability. ) After receiving their letter of XX/XX/2021, I called Chase and they then put the charge back in dispute. They sent me another letter dated XX/XX/2021, stating that I didnt have to pay the disputed charge while they investigated. From the period of XX/XX/2021 until XX/XX/2021, I received no communication from Chase regarding the disputed charge. 

On XX/XX/2021 I received a letter ( again signed by Chase representative with their first name only ), stating that they are reinstating the charge since the merchant was willing to provide the services as described but you opted to cancel the agreement. This statement is false, since the merchant was totally unresponsive and did not provide the services pursuant to their Agreement. Chase attached a letter from the merchant dated XX/XX/2021, with a copy of the Agreement, which I had already provided Chase. 

There were multiple falsehoods in the merchants letter, but Chase did nothing to investigate. I reached out to Chase via phone calls to speak to a representative, but they refused to do anything. There was NO INVESTIGATION by Chase. 

I then went to a Chase branch in XXXX XXXX, NJ and spoke with XXXX XXXX, VP at the bank and she submitted a request to Chases Solution Department. However, the Solutions Department did not investigate it further. At this point, I informed Chase that I was going to submit a complaint with the FTC, since Chase was negligent in their duties to thoroughly investigate the charge.
Product: Mortgage

Received harrassing phone call at my job from Representative named XXXX XXXX threatening to deduct mortgage payment from my bank account without my authorization. My work number was never provided to this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to investigate XXXX XXXX after been serve by certified mail for documentation associated with the account bearing my signature. maturity date of XX/XX/2020 has elapse which thirty days
Product: Debt collection

Optimum Outcomes continues to contact me and report a debt as unresolved on my credit report. This debt was with XXXX XXXX, and it was clearly included in my bankruptcy that was filed in XXXX 2015. I am including a copy of my bankruptcy papers. If you reference page XXXX, you will clearly see this debt listed.
Product: Credit card or prepaid card

syncrony bank closed my card without any apparent reason. I have paid any balances diligently and well before any due dates. They are now not paying out the rewards i had earned on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , 2017 I had filed dispute compliant with TransUnion about inaccurate amounts on my credit report from   XXXX   XXXX    Dispute claim file :  XXXX  or  XXXX . ( see attachment ) Trans Union refuse to remove inaccurate amounts on my credit report the results I received by letter " verified as accurate '' with   XXXX   XXXX  .TransUnion did received my supporting documents by priority mail ( see attachments ) I truly believe TransUnion unfair decision, because I had canceled my monthly membership with TransUnion. Whenever, I would call TransUnion inquiring about my dispute. With every phone call I am always asked to purchase their credit alert plan. ( see attachment )   XXXX   XXXX  . purchase accounts though a vendor to collect with consumers with duplicating amounts also adding invalid amounts to a consumers credit reports with the credit bureau ( s ).
TransUnion and   XXXX   XXXX   are aware about the inaccurate amounts both have the illegal agenda to gain monies along with damaging my credit for 7 or more years.
Listed are the amount   XXXX   XXXX   is trying to collect invalid amounts : {$160.00} {$160.00} ( duplicate amount ) {$130.00} {$250.00} {$210.00} Total amount {$940.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my credit report that is wrong.
Product: Mortgage

We had been on forbearance for several months. We then asked for a modification back in XXXX around the XXXX and I just finally got a hold of them last week and they told us what the modification would be. I explained that we still could not afford that - so they told me to apply again, which I just did... but they sent us to forclosure!!! We did absolutely everything they asked us to do. We made a payment in good faith and that didn't seem to matter. This is so wrong!!! Yesterday XX/XX/year> I turned in our new loss mitigation app. I don't know what to do now!
Product: Mortgage

The closing date on my home loan with State Home Mortgage company is XX/XX/2017 and the loan payoff payment was made, however the company reported the XX/XX/2017 payment as 30 days past due on my credit report. The XX/XX/2017 payment should not be listed as late because the home loan was paid off in XX/XX/2017.
Product: Mortgage

I became unemployed in XXXX, no fault of my own, and fell behind on my mortgage payments by 4 months. I was trying to work with Greentree ( Ditech ) to help me in anyway so I could get caught up. They offered me a trial payment period via telephone ... I never received an official letter of this conversation yet I sent my payment of {$500.00} in XXXX, XXXX, and XXXX XXXX. I could not reach my account representative so I made another payment for XXXX to be on the safe side. Finally a customer service rep said I think your next step in modification so I 'm sending you the application to complete. I sent all information back in but was denied modification. I 'm unsure why I was denied. I was only making {$9.00} an hour and my mortgage was more than XXXX % of my income. I have attempted modification 3 and 4 more times since and now I 'm told my mortgage is " not '' more than XXXX % of my income. In attempts to do whatever I can to save my home, I contacted XXXX to help me work with my lender. We completed a 3-way conversation XXXX XXXX. They basically stated there are no other programs I qualify for. I asked the question, " why did I go through a trail period of payments to just end up being denied time after time? '' The customer rep tells me that an offer was made to me by mail in XXXX XXXX. This was the first time ever hearing that an offer was made. I never received an offer. 
I then proceeded to contact XXXX XXXX, the investor for my loan. I filed a complaint against Greentree with a lady named XXXX. She has since contacted Greentree ( Ditech ) and advised them that an investigation be completed in this matter. I contacted Ditech first week in XXXX XXXX to follow up, customer service stated that all is noted but that 's all the notes she has. Meanwhile the foreclosure proceedings have accelerated and a sheriff sale is scheduled for XXXX XXXX XXXX. 
To add to the misery I have been put through during modification ( s ) include but not limited too.. ( 1 ) .fax numbers reading " no answer '' or " busy '' for days on end. Eventually calling to get a second and sometimes a XXXX working fax number. ( 2 ) My account representation changed sometimes every 30 days ... resulting in voice messages and documents never making it to anyone. ( 3 ) account reps being rude and laughing and snickering over the phone. I had many problems with one rep named XXXX. ( 4 ) modifications being canceled for unknown reasons and having to start over. 
I would also like to add ... the day before my court hearing, the mediation, with Greentree. I received by XXXX, a letter from XXXX XXXX XXXX stating that my XXXX % XXXX mortgage loan has been forgiven. ( {$12000.00} ). Now I know for a fact I can afford my XXXX mortgage payment, yet I keep getting denied. This also causing my mortgage to now be below the XXXX % of my gross monthly income.
Product: Debt collection

Portfolio Recovery XXXX amount {$XXXX} XXXX phone calls multiple times a day from different numbers harassing me about the debt. I told them I had no knowledge or access of such account or the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am well advised that Transunion experienced a glitch in XXXX and XXXX that caused all inquiries to be removed from consumer reports. It is illegal for inquiries to be re-added to a report without notifying the consumer within 5 days of intending to add them. My rights have been violated and this has caused me financial hardships. I have called transunion on XX/XX/XXXX. At XXXX, I spoke with XXXX XXXX She was unwilling to remedy the situation and claims that I was not affected by the glitch because my inquiries had not been on my report from 2 years before the glitch. This is inaccurate information.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





UNAUTHORIZED INQUIRIES : 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/year> 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Franklin Collection Service , Inc. hereinafter referred to as ( " FCS '' ) did not provide me with a Debt Validation Letter and subsequently placed their unauthorized and impermissible collection account on my credit bureau record ( XXXX, XXXX and XXXX ). I have requested for a Debt Validation Letter from FCS to no avail. FCS is in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I respectfully request for the CFPB to instigate an inquiry into FCS accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$29000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly called and written Transunion and XXXX about fraudulent inquiries on my credit report and they refused to address and or remove them. 

Transunion : XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX : XXXXXXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX  ) is not the original creditor and never did business with them. 

XXXX  has reported account to XXXX  credit bureaus without properly validating the debt. XXXX  did not provide me with information on how the debt was obtained and the balance is not accurate since I believe I had credit protection on my account. 

XXXX  violated my right as a consumer and should not have reported this account as delinquent and in collections.