23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To whom it may concern, I am writing in regards to my late payments on my credit report from dates XX/XX/15-XX/XX/15 for my SYNCB/WALMART account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payments because it was my first year away at college. I was waiting on financial aid to come through. Now unfortunately there was an issue with receiving my aid which was not received until much later because of that I was forced to live off my small savings that I accumulated from working the summer prior. Since then, the debt has been paid off and satisfied by the creditors. I did not at the time have a real comprehension of how credit cards worked and I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. Since these mistakes I have a perfect record of on-time payments.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt is reported as a charge off however this is considered income. I reached out to company to request the original contract, the color identification, the fraud dispute results, and 1099C form, but I never received any reply. The amount is incorrect, and I should have received a 1099C in order to account for this as income. This is not a charge off ; I am requesting this be removed immediately because it is not debt. According to IRS " any debt, cancelled, forgiven, or discharged becomes taxable income to you ''. I never received Form 1099C ( cancellation of debt ) from the lender that forgave or sold the debt. This is considered income and income should not be reported on a credit report
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Mortgage

I Started an original application for VA streamline in XX/XX/2019 that one was situated with application due to misunderstanding. I submitted another application XXXX did not have most pleasant experience first processor XXXX XXXX you could not never get a hold of because voicemail was to full, emails never returned back, and he told me up front Navy FEDERAL was backlog that they were going take up whole 60 days.The loan should of straight forward with minimum documents needed. 
After reaching out to supervisor multiple times because it was impossible to get a hold Mr.XXXX  my loan application finally reassigned so I missed my 60 day lock rate due not having communication. I am on the verge not closing in timely manner which is causing me stress because I could of stayed with current lender do refinance way quicker because they my file ready to close but I turned it down because navy federal said I was closing on XXXX XXXX.I did not pay my current month because I was promised to close on that date. 
This journey has pure nightmare for someone that has a permanent mental condition.Even I close this month I am worried about potentially being 30 day late for XXXX payment.
Product: Mortgage

XXXX XXXX XXXX, 2014 I obtain a FHA loan from Prospect Mortgage, LLC. The in-house counsel member XXXX XXXX XXXX committed perjury in her email by stating that my mortgage loan was not sold to the secondary market. XXXX XXXX is the counselor for XXXX who is a subservicer for my original lender Prospect Mortgage, LLC. Moreover, the manager for Prospect Mortgage, LLC refuses to send me a letter stating that my mortgage loan was sold to the secondary market via XXXX XXXX. When mortgages are bundled up in contracts and transferred to XXXX XXXX, the mortgages are sold to other investors as stock certificates to the secondary market. The borrower promissory note is converted over to stock certificates when there pooled together with other schedule loans. I was able to obtain this information from the Securities Exchange Commissions. In closing, I am currently seeking legal counsel because I have a lawful right to know who actually owns my mortgage.
Product: Credit card or prepaid card

Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Truist/Suntrust To whom it may concern : Our company has been using Suntrust for our company credit cards for a while, then the company merged with Truist. Earlier this year, we noticed the bank had made updates on their websites requiring Accountants at our company to sign in under the new system update. Ever since it's been horrible trying to make payments at the branch. 

We make monthly payments to ensure the credit cards don't acquire interest charges. In XXXX and XXXX the interest/late fee charges were overlooked so {$730.00} were not paid into our usual monthly payments to Truist. 

We were informed by many at Truist that with our credit card, payments are set up to disburse at the END of the STATEMENT PERIOD. So while our payments are due on the XXXX, they won't be disbursed until the XXXX, when the bank statement closes. 

This poses a problem for businesses such as ours, to not have access to credit cards during our busiest season for five ( 5 ) days. We usually come close to maxing out our credit cards during this season so when we can't even make earlier payments, this is greatly disturbing for our company. 

Our recent problem involves our payments being misapplied, missing, and questionable remedies on our bank accounts that aren't correctly showing what is happening to our payments. 

XX/XX/23, we make a minimum payment of {$300.00} to avoid the late fee. 
XX/XX/23, made the full payment of {$21000.00}. Did not see minimum payment. 
XX/XX/23, reached out to Truist, got the minimum payment recovered and applied to correct account. 
XX/XX/23, made our next monthly payment of {$24000.00}. 
XX/XX/23, made payment of {$28000.00}. Payments were incorrectly disbursed to one credit card ( XXXX ). Spoke to associate, XXXX, and he assisted as best he could to fix our payment. Payment was unapplied from one credit card ( XXXX ) and applied to all other credit cards ( XXXX, XXXX, XXXX, XXXX, XXXX ) except for the one that it was all applied too ( XXXX ). So we could not use credit card XXXX. 
XX/XX/23, reached out to Truist to correct interest charge & late fee from XX/XX/23, via email. Spoke to XXXX XXXX, and he was extraordinarily helpful. XXXX XXXX confirmed our payment was applied to another account, was corrected, and fixed the late fee. This was corrected. 

Our main " control '' account ( XXXX ) continued to have a large balance regardless of payments. Still have no answer from Truist regarding our large balance on the website versus are balance on our bank statements. 

Our company is now at a stand still while we continue to wait for Truist to look into our accounts and verify with us the figures due are in fact correct.
Product: Mortgage

I can not get any information from this company, Union Home Mortgage as to why they are paying mortgage taxes from an escrow account XXXX months ahead of time. That seems excessively early to me.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit profile and noticed that there were a few inquiries on my credit report that i did not give my consent for them. Here is a list of the them : 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 or other personal consumer reports

XXXX XXXX I had registered the my vehicle to Alabama at which I no longer lived at the address thats reporting with XXXX  XXXX XXXX XXXX For The XXXX XXXX XXXX XXXX my drivers license and registration attached to that vehicle at that time is XXXX XXXX XXXX XXXX XXXX, Alabama.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Debt collection

I had insurance with XXXX in XXXX and canceled because I did not have the car. I got a new car and in XXXX starting shopping for cheaper insurance. I paid XXXX the amount owed and the new insurance premium. Never was I advised that this information was sent to a collection agency or that it was with a collection agency
Product: Credit reporting

I mailed a dispute request to Equifax on XXXX/XXXX/15, requesting some items to be investigated. I listed specific reasons as why they needed to be investigated. After not receiving the results back due to me moving, I contacted Equifax today and spoke with a young lady who advised me of the results. When it came to XXXX accounts she stated they came back as verified based on the name, date of birth, social and address. I asked her if they came back verified based on those factors, I never disputed the ownership of the accounts. Long story short, they did n't investigate the accounts per the reason I advised, for example, date opened is not correct, or balance is not correct, they simply had the company to confirm ownership of the account. I asked the person I was speaking with the reason they did n't correctly dispute the information according to what was sent on my initial correspondence, and her response was that it was handled by the mailing/disputes department and they just put in the wrong information. This was not done only on XXXX account but XXXX accounts. I asked to speak with a supervisor as her only remedy to this was to place it under dispute again, I advised her that was n't satisfactory as they failed to perform a proper investigation to begin with and demanded deletion. I also asked to speak with a supervisor. I was transferred to XXXX, who was in the disputes department, ( not a supervisor as I asked for ) who advised she was also not sure why it was not handled properly. The only resolution to the problem was to re-dispute the account. I requested to speak with a supervisor 2 more times before I was transferred to XXXX who stated she was the Floor Supervisor in the Disputes Department. She looked at the letter I sent and confirmed there was an error but could n't do anything except place the accounts under dispute again. Advised that was n't satisfactory.
Product: Credit reporting

There are incorrect names, address and SSN on my credit report. 

Names : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX, PA XXXX XXXX XXXX, PA XXXX XXXX XXXX, PA XXXX XXXX XXXX, PA XXXX
Product: Debt collection

PHOENIX KEEPS SKIP TRACING MY CELL NUMBER FOR A THIRD PARTY, 16 CALLS FROM ( XXXX ) XXXX, I HAVE SCREEN SHOTS AND RECORDS IN ORDER TO FILE A CLASS ACTION EFFORT.
Product: Vehicle loan or lease

I financed a automobile through Ally Financial and I purchased the Gap insurance they offered. My car was deemed a total loss by the insurance company. My insurance company and I have sent Ally all the information regarding this request. My insurance company paid the remaining balance should be covered by the GAP insurance protection they offered. They requested additional information and I sent it. Now they are asking for a police report that doesn't exist because the damage was water based. I've called there number to discuss and I get a message they can't take calls at this time. I tried to send a message via their website and that is failing and can't take messages. I want to get this resolved but can't even speak with them at this time. 

Please help
Product: Debt collection

This company XXXXXXXX XXXX XXXX on my credit has not yet to respond to the request I asked for regarding the paperwork
Product: Credit card or prepaid card

XXXX XXXX the holder and controller of the XXXX XXXX credit card lower my credit limit on XX/XX/2018 based on my credit rating. OnXX/XX/2018 the company closed my credit card without notifying me. The card had no due balance and I recieved no explanation as to why my card was closed. I investigated and neither XXXX XXXX  or XXXX could inform me as to why my card was closed. My credit rating was lower when I recieved the lower credit amount then when they closed my account without my knowledge. 

I was informed by XXXX that this card closure adversely affects my credit and also the credit decrease. It appears that this company functions to adversley affect individuals credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix this credit error for over six months with no response from the credit bureau. I have requested multiple times for this account to be validated or removed. 

{$2400.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor SNAPSHOT Opened XX/XX/2021 ( 1 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT 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
Product: Student loan

I have a private student loan financed by XXXX XXXX Navient since the year of 2010 I have made many payments on time and have recently lost the cosigner my mother and asked to renegotiate terms interest monthly payment amounts. No help of any kind little info to provide on my loan and why my interest has increased over 11 % on a loan balance of XXXX. This company is terrible and whats worse is the school it funded and I attended the XXXX XXXX XXXX is closing and I ca n't get a call or email back about getting a XXXX transcript why in the XXXX should these people get anymore of my money when this for profit was a scheme for the approval of private predatory loans with a failure rate of 50 to 90 % why should we pay back what should have never been approved for in the first place.
Product: Credit reporting or other personal consumer reports

Hard credit pull from a fraudulent company claiming to be Capital One on XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I went online to this loan company and took out a {$500.00} loan. I started making my payments on time until I had to close the account I was using to make the payments. I contacted Bigpictureloans to let them know that I was no longer using the account and wanted to use another checking account with a different bank. I was informed that they would have to do a 3rd party call with the bank to verify that the account was open and how long it has been opened. We made the call to my bank several times but the bank refused to take to Bigpictureloans while being on the phone with me. so they told me to use my debit card or credit card to make my payment, in which I did but my bank denied it because they were using a third party transaction company out of the XXXX and my bank told me they blocked it because of potential scam being that its in the XXXX. I notified Bigpictureloans about this and they instructed me to start mailing in my payments by money orders. I had 3 payments remaining until my account was paid in full, the payments that I made by money order was posted on the website as current up to XX/XX/XXXX. On XX/XX/XXXX I mailed in a money order for XXXX on the XXXX which they should have received it on the Friday the XX/XX/XXXX like the other mailed in payment, so now my account in past due and they are saying they have not received the payment and it would take up to 7 to 10 business days to post ( the other mailed in payments didn't ) and I called them on XX/XX/XXXX to see why and then that's when they told me about the 7 to 10 days. In the meantime, I checked on the website and it said I had to pay XXXX to bring my account current, in which I mailed it on XX/XX/XXXX. Now they are saying they haven't received that money as well. I have been calling to speak to someone about this and they keep telling me not to call but wait for their support team to call me back or I will get an e-mail. I called on Saturday, XX/XX/XXXX. I haven't heard anything from them, each time I called they would put me on long holds, and they would ask me questions to make me say YES, if I didn't say yes they would just sit on the line saying they are viewing my account. I would hold for 10 minutes or so. I called today XX/XX/XXXX and they are still doing the same thing. I have one last payment on XX/XX/XXXX for XXXX but when I talked with them they told me to pay XXXX or XXXX to pay off the loan. I told them, if I pay anything I will pay my last payment agreement of XXXX not the amount I was told. I need to know should I make the last payment or not. I was doing some online investigating and I have discovered that there was a lawsuit with this company here in the state of VA and Bigpictureloans lost because its illegal to charge high interest rates. According to the website, I have paid a total of {$2000.00} in interest and principle amount of {$350.00}
Product: Credit reporting or other personal consumer reports

Hi, my name is 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 Equifax {$810.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over 10 security breaches and my info has been exposed. 

I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 years. MY RIGHTS WAS VIOLATED and not followed through. 

This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company has no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraudulent account. 

When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for years I been battling this. When I had to get the law involved, they then sold my account illegally. 
The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraudulent account. 

The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. 

The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. 

I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.
Product: Mortgage

We built a new home in XXXX in XXXX XXXX, Minnesota. During the closing process we noticed that somehow the escrow got setup for us to pay the anticipated " full '' taxes for XXXX at {$4300.00}, or {$360.00} per mortgage payment. After closing we we told to make 1 payment then call to get the taxes and escrow payment adjusted. We made our XX/XX/XXXX payment. 
To preface the main issue, in Minnesota, per MN Statute the value used to XXXX property taxes for a certain year is based on the value of the property on XX/XX/XXXX of the previous year. So for XXXX taxes the value to base those taxes on is based on the value of the property on XX/XX/XXXX. For our property the value is based off of it being a vacant lot, proposed at {$23000.00}, with a homestead exclusion of {$9200.00} for a taxable value of {$13000.00} which makes the proposed taxes for XXXX {$210.00}. 
I called M & T bank in early XX/XX/XXXX to have them correct the XXXX taxes from the {$4300.00} to the {$210.00}. They opened a case up and told me that the case would take 5-10 business days to resolve. When I called back @ XX/XX/XXXX they said the case had been closed and the taxes they had at {$4300.00} were correct. I explained the situation again and asked the to open a new case as that was not correct. They opened a new case and I sent them a document I received from XXXX County with my proposed XXXX taxes listed at {$210.00}. 
On XX/XX/XXXX I called again to find out the resolution. Once again I was told by XXXX that they had the correct amount and that the case had been closed without changing my payment. At this point I was getting extremely frustrated and asked to speak with a supervisor. I went through the same process of explaining the situation and opened another case. She told me that they can't speak directly to the " research " department handling the case. She once again told me that it would be 5-10 days. 
I called on XX/XX/XXXX again and once again was told that everything was correct in their system. I once again opened a case and also uploaded to them a letter from the XXXX County assessor, XXXX XXXX, who I had talked to about this XXXX tax issue. 
Once again I called on XX/XX/XXXX and spoke to a XXXX who informed me of the same closed case. I asked to speak with a supervisor and was told none were available but would call me back in 24-48 hours. I again opened a case and subsequently never did receive a phone call from a supervisor. 
XX/XX/XXXX, I called and spoke to a supervisor XXXX who informed me of the same closed case scenario. She though went one step further and actually called XXXX XXXX in a conference call with me. XXXX confirmed the proposed XXXX tax amount, based off of the undeveloped lot as of XX/XX/XXXX. She opened another case .... 
That is where we are at today, XX/XX/XXXX