23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of 2021 my XXXX home mortgage was purchased by RoundPoint Mortgage. I am now dealing with a lender that I did not choose. It is apparently RoundPoint 's normal procedure to issue loan statements on the 2nd of the month. Therefore, any payments logged in after the 2nd of the month will not be reported in the statement. Since the statements do not consider the current month payment they then report the payment distribution ( principal, interest & impound payments ) for the previous month. Also, since the current month payment is not considered the principal balance is not correct and the amount due for the next month payment is for 2 months or double the regular payment. Even though the statement is correct as of the 2nd of the month it is incorrect for the up coming month payment. 

I have tried twice, once in early XXXX and once on XX/XX/XXXX, to get RoundPoint to issue my loan statements during the third week of the month with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon return from Military XXXX, I was made aware of an outstanding debt with XXXX XXXX, a cable service provider I had service with, in XXXX TN. I contacted them and made payment in full on XXXX XX/XX/2021. Receipt provided showing the correct date. The following month I noticed XXXX XXXX XXXX ( XXXX  ), a collection agency for XXXX XXXX, was erroneously reporting incorrect information to my personal credit file. I have disputed this account multiple times with all three credit bureaus and XXXX has failed in correcting the erroneous information. Since XXXX continues to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, I demand deletion of this account and request your assistance in ensuring this action takes place. Thanks.
Product: Debt collection

I disputed this account with this company I inform them to send me debt validation, upon receiving the requested paperwork I noticed a address that was used to open this account I have never been associated with or have I ever lived at the address or even the state of Louisiana.I havent got any resolution On this matter even after filing a report for identity theft and placing a 7 year fraud alert on my credit files.
Product: Checking or savings account

USAA decided to terminate banking with me on XX/XX/2024. They made my accounts deposit only and froze activity. Their letter stated closure will be completed in 60 days from XX/XX/2024. Their Bank Advocacy clearly stated in an Executive letter that it would be closed in 60 days and remaining funds sent to me by check. That 60 day mark was XX/XX/2024 and my account is still open with my funds in it. 

My family has suffered financially due to this, having to take out loans and miss payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a past credit card with XXXX XXXX that was opened on XX/XX/XXXX. The account was settled for {$270.00} and closed on XX/XX/XXXX. 

Since then XXXX XXXX still has the account on my Credit Report with Negative marks each month for non-payment and showing a balance of {$370.00}. This has had a negative impact on my credit score for years. 

It has made my rates on car purchases, and even my mortgage be higher than it should be. 

I have disputed this account with the different credit report companies such as XXXX ( still open dispute since XX/XX/XXXX ), and with Equifax. They have been unable, or unwilling to remove this false information. It looks like MANY unpaid payments, late payments, high balance, etc when in fact the account was settled to {$0.00}. 

I also have contacted XXXX XXXX multiple times. They show I made the settlement payment on XX/XX/XXXX and they still have not fixed this issue on my credit report. 

At this point who knows the damage this long standing error is causing. I have contacted XXXX XXXX again today and was told the same information. They refused to send me a copy of the payment receipt and said they could not until after they do another dispute review, I will contact my bank to get a copy.
Product: Vehicle loan or lease

Credit acceptance corporation does not take my phone calls in order to I obtain information about the account. 
I did the last payment online but the total amount owe is not reflected.
Product: Vehicle loan or lease

I wrecked my car on XX/XX/XXXX and settled with XXXX for a total loss on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX the whole settlement be sent TO them FROM XXXX instead XXXX allowing XXXX to send them their payoff amount and the balance to us. A check was FINALLY sent from XXXX to XXXX XXXX XX/XX/XXXX. 

As of today, XX/XX/XXXX, we still HAVE NOT received our portion of the settlement from XXXX XXXX I have called probably no less than 10-12 times and get the run around every single time. They have to wait on procedure, policy, blah blah. The last time I called, XX/XX/XXXX, I was told that the lease was showing paid ( finally ), and that there was some sort of a glitch, but they still couldn't tell me when we should expect to receive OUR money. They have highjacked our money and are in no hurry to give it to us. 

XXXX told me that most companies just let the insurance company mail the payoff amount to the lender and the balance to the customer, but not this time. It passed the point of being ridiculous about a month ago.
Product: Checking or savings account

we bought a R v it was financed with Bank of America, we found multiple violations in the contract with the dealership, so we choose to do a rescission of signature with the sale the was closed and charged off on XX/XX/XXXX by bank of America, Bank of America then withdrew {$30000.00} from our savings account we did not authorize, we received a letter XX/XX/XXXX stating you may not be aware but your recent payment was more then the scheduled payment, so we credited your account for the monthly installment payment ( s ) due, and applied the remaining amount to reduce your principal balance, if applicable.
Product: Credit card

I reported credit card fraudulent charges on my Truist credit card in XX/XX/XXXX XXXX stopped that card and issued me a new card with a different account number. 
Fraudulent charges from the same company ( XXXX ) kept showing up on the old account which were transferred to my new card. These were new charges. 
I made several attempts to correct this situation and was told these were late posted charges and I wouldnt need to pay. 
In XXXX I noticed another fraudulent charge on my old, inactive card again transferred to my new card, this time with a recent posting date. I inadvertently paid the bill before recognizing this new problem. It happened again in XX/XX/XXXX. Same vendor, same amount same recent posting date. I reported this again for the fourth or fifth time and still have no resolution or explanation of why they are continuing to allow charges to continue being registered to an account closed since XX/XX/XXXX. I have received no satisfaction regarding this issue.
Product: Vehicle loan or lease

I purchased a vehicle on XX/XX/XXXX through XXXX XXXX XXXX, and received the first billing documents dated XX/XX/XXXX. The billing documents stated XXXX XXXX XXXX are licensed to JPMorgan Chase Bank, N.A. ( " Chase '' ). 
Approximately XX/XX/XXXX, I went online to sign up for auto withdrawal for my monthly payments. I do not have any account with Chase, so it was determined an " external account ''. The last step in the process, I was asked for my username and password for my personal bank account so it could be verified. I responded I would not give this information out, so I was then requested to give Chase permission to " deposit and then withdraw a " small amount '' " to this account. I have NEVER been asked for my username and password to a personal bank account to set up a direct withdrawal for monthly payments, and should NEVER be asked this. Chase had the statement listed - no one will have access to this information, but we all know how well cyber security works. 
If this request is not illegal, it should be. I was not given the second option until I checked I would not give out this information, which would lead many customers to feel they have to give out their personal username and password to complete the set up of the auto withdrawal. No company should request or need to have this sensitive, private information be part of setting up an auto withdrawal, or any other type of withdrawal from an external account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The person on the line said they were from Experian. They said I was eligible for a lower interest rates on my credit cards. They asked me for my credit card information all of the debt that I was owed. Plus all of my credit cards numbers. They knew my Social Security number. Which led me to believe they were reputable. They asked me for my birthday date.Then they asked me to pay them a fee. Which then I didnt and they hung up on me. Which left me with an unsettling feeling because they had all of my personal information.
Product: Debt collection

I opened a one year membership with XXXX XXXX on XX/XX/2018 with a payment of {$74.00}. After that my monthly fee was {$42.00} which was automatically deducted from my checking account. On XX/XX/2018 I was charged an additional {$39.00}. When I questioned management they explained that it was a one time fee for cost of new exorcise equipment that they would be purchasing sometime in the future. I was not happy about this surprise charge and notified them that as per our contract I giving them the one month notification to cancel my membership and making my last payment. I explained this to at least 10 more people who called me repeatedly over the next two months. Finally, without letting me know, they put this unwarranted {$400.00} charge on my credit report. Numerous efforts on my part to resolve this issue with XXXX XXXX have failed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A company called XXXX XXXX XXXX has placed a past do notice on my credit report of {$700.00}. I have no knowledge of this dept or the company itself. Its connected to a a company called XXXX. I have contacted Experian and XXXX to have this removed and both are saying that the dept has been verified as accurate. I'm completely confused on how this could be true. I know nothing of either of these companies nor have i ever received any kind of notice thru the mail from either if them. Experian shows on my personal info that there is a name on my " also known as '' section. This is not accurate. I've only ever used my given name my whole life. I feel they are trying to use me as a scape goat for this other person. I have lived at the same address for the past 10yrs and have all the same accounts i currently have had this whole time, including all utilities, phone, internet and XXXX. I don't understand how they can verify something that never existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a inaccurate bankruptcy # XXXX that is reporting on my credit report. I initially starting the dispute with Transunion XX/XX/2017 and I have submitted a dispute every 60 days asking for them to provide documentation. I have provided documentation to Transunion several times proving that the bankruptcy on my credit report is not valid. I have disputed the bankruptcy with XXXX XXXX who is the 3rd party provider who initially sold the inaccurate information to Transunion. XXXX XXXX completed their own investigation and have deleted the inaccurate information from their system. I also have wrote the federal bankruptcy court and they verified they do not report any information to the credit bureaus and they have no control over the errors that are being reported by the credit bureaus. Transunion has been unable to provide any time of documentation or proof of where they are receiving their erroronous information. Transunion is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.
Product: Mortgage

Chase Home Mortgage solicited me from within my log in for my mortgage account to " pay off my mortgage faster by making 2 payments a month '', rather than 1. I clicked on the button to explore this option and was shown figures indicating I would be saving thousands by making payments this way. I opted to go ahead and switch my payments to be twice a month rather than once a month. The Chase online system walked me through making the switch, and brought me to a page where I was told to " select the payment dates for my new payment plan '', which I did and I selected the XXXX and the XXXX of each month what I understood to be my new payment dates. ( I believed these would be my " new payment dates '' because Chase system indicated they would be and kept referring them to me that way, my " new payment days ''. The system then had me confirm my bank information for automatic withdrawals on my " new payment dates ''. 
The following month my payments started to draft as scheduled on the XXXX and XXXX, and all was good until I realized recently when I logged in to find tax info that I have been getting charged a late fee every single month. I called Chase and was told basically too bad. I am getting charged because I did not pay within the grace period. 
Again Chase solicited me to change up my mortgage payments to begin with. My mortgage was in good standing and I had no issues with late fees until all of this. 
Since Chase solicited me to make the change, and then THEY allowed me to choose " new payment dates '' without any disclosure that the selection of new dates would NOT excuse me from late fees if the new dates were past the grace period of my previous due date ; chase needs to delete all the late fees that were charged from this and recalculate my outstanding loan balance without the fees and resulting increased interest.
Product: Vehicle loan or lease

From XXXX I made various attempts to change my last name with Ally Financial. I was directed to call the XXXX customer service line because I need to, and quote " speak to another department ''. After making these attempts, when payments would try to clear my account they were getting rejected because the name did not match. XXXX XXXX sent me a letter stating if anymore ACH transactions tried to clear under the name " XXXX XXXX '', my account would be frozen due to fraud security which in fact did happen. After making several attempts to pay balance in good faith ( with available funds ), Ally Financial denied taking payment via over the phone with debit card. Once a few payments were made with Ally Financial via XXXX XXXX and XXXX XXXX, the fee charged through those entities were requested to be posted to the balance owed on the loan. Ally Financial refused to post the amount to the loan. And in the contract between myself and Ally Financial does not state that I have to pay XXXX XXXX or XXXX XXXX using debit is also a way of receiving secure funds, and Ally Financial denied payment of the loan using this method. Also, no communication via letter, required by PA state law was sent certified by mail in regards to repossession of the XXXX XXXX XXXX, not to the garaged address nor my husband 's former address where they attempted to pick up the automobile.. Then the company attempted to repossess the automobile twice without notice, after refusing to take payment via debit card by phone method or via Ally Financial App. After hiring an attorney, Ally Financial stated they could not speak with me, and would need to speak with my attorney. And after providing my attorney 's information, they stated they did not have it. I had to provide her information several times before any attempts to contact her was made. After one call to my attorney 's office, a call from my attorney was returned to no avail. 1 call to my attorney was made after several months of attempting to make payments using my new legal name and giving Ally Financial my attorney 's information. My attorney even wrote to Ally Financial via using their customer service emailing method and again no return email of phone call. After giving the company avid time to respond to my attorney, and stated that if the company did not respond in the allotted amount of time they would forfeit any amount owed. No response to me or my attorney was received AT ALL.
Product: Vehicle loan or lease

XXXX, bought an XXXX from dealership, in XXXX, Ohio. Lender was XXXX. I also had to add insurances of various types, so I would be approved, they said. I paid on the vehicle for 3 years, and it was repossessed by a Lender called Santander, aka, SCUSA, aka US Santander. It was sold for XXXX, and they told me i needed to pay off the note which they claimed was XXXX. Not only did 36+ months of XXXX were made, after reposession caused me to lose my job, and ended on streets. I know there was a class action suit against Santander this year, as I read today, XXXX XXXX. However, if I knew about lawsuit, I would of gotten involved. I would of done more than report to credit bureaus about their unfair practices. They ruined my credit, my life, my health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Credit inquiry done using another social security number, not mine, by TjMaxx / Synchrony Bank, ( Synch/tjx dc ), on XX/XX/2020. But has appeared on my credit. And have brought my credit score down by over 20 points. I have been trying to correct this matter with said bank ( fraud dept ), for months. They have told me over and over again that they have sent over a deletion of account letter, to the three credit bureaus. Being that my social security was not used. Credit bureaus have not received said letter. Said company has refused forward said letter to me, so I could then forward to 3 credit bureaus. My credit score has been affected negatively and has caused financial issues in my life and my families life.
Product: Mortgage

I purchased a new home in XXXX, FL in XXXX at the address of ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I paid {$230000.00} for the home. I could only finance {$140000.00} at that time with XXXX XXXX so I financed {$35000.00} with XXXX XXXX which is the builder of the home, I put {$60000.00} down to XXXX XXXX and {$35000.00} down to XXXX XXXX ( the builder ) leaving a balance of {$140000.00} to finance the home. I have a deed that proves the {$350000.00} was paid-off in XXXX leaving me with only {$140000.00} balance to the lender. 
About ten years into the loan I borrowed {$42000.00} for a small business loan that I incorporated into the original mortgage and still maintained one mortgage. 
The issues began when my mortgage was being bought out by three other loan companies which includes my original mortgage company XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and finally Ocwen Loan Servicing (  current lender ). 
In summery, without my knowledge the factuality information about my loans being transferred from one to another were without my knowledge or my consent. All these transfers were raising the mortgage amount and the payment amount as they were bought out beyond my control. With all the issues that I have been dealing with made me do a lot of extra research and I have found out that all the listed lenders ( excluding XXXX XXXX ) are in class action lawsuits and being sued for fraudulent actions, such as over charging for forced insurance, causing sales of homes and placing people in foreclosure. 
This was severely doubling the loan payment and increasing the mortgage as consumer fraud as it was being bought out from lender to lender. There is no proof in this matter that says I am responsible for all these added amounts and fees and where they came about. 
Please assure me by my request, signed modification agreements and by my allegations that this is of fraud and Im correct. I can show proof of the original mortgage amounts. 
Please assist me by helping me resolve my issues by reviewing my original note which I have showing I paid {$230000.00} for the original mortgage, and {$1200.00} payments, giving the {$60000.00} to XXXX XXXX, {$35000.00} to Banner Homes and having a remanding balance of {$140000.00} owed in which I have been paying on since the purchase of the home for at least 24 years. 
Respond to me by carbon-copies who is resisting me on these recurring matters. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX CELL : XXXX
Product: Credit reporting or other personal consumer reports

I bought a used vehicle through XXXX  on XXXX i believe and financed thru XXXX. 
I was paying the payments on time but XXXX was rough for me since i lost my business and it got shutdown and my financial situation shattered. My wife doesnt since we have a XXXX XXXX girl. 
So i called XXXX  because i was late on payment. I told my situation. The person understood and told me they will lower the monthly payment for 2 months i believe. not to sure. and they said it will go back to regular payment. And also they promised they wont report to credit companies as late payment. now that i have been working and making payments on time. To my surprise they did reported and it hurt my credit. They lied to me. and a week ago i texted and ask them to remove it since i am planning to buy my first house. I plead them N they said no. I m hopeless and helpless. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX