23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On my last payment due on the loan I calculated the final interest and sent the payment in on time, knowing I would still have to pay the recording fee and closing fee but I didn't the funds for such at the time. The mortgage company acknowledged they received my payment on time and that it was the correct amount to bring the balance to XXXX ( I  also have the receipt ) but they did not apply the funds so a balance continues to remain. 
On this " balance '' they allowed to remain, they have applied late payment fees and allowed interest to accrue and are now insisting I pay those fees and interest before they'll let me pay the closing fee and recording fee. I have had repeated telephone calls with them telling them I'll pay the closing fee and recording fee if they'll waive or remove the late fees and interest and not only do they refuse, they've told me they don't care if I file a complaint and they'll continue to send in negative reports to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : 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 XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing an complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platoform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit score disclosure from Corelogic Credco The information on the disclosure that they claim to have received from the three credit reporting agencies is incorrect. XXXX  XXXX XXXX XXXX   show erroneous information. I have included in this correspondence a copy of credit report from XXXX  that I obtain today.As you can see by the correspondence that I have included I have paid my bills on time every month without failure.And the credit score that this company shows is quite different than what XXXX  has on their report. XXXX XXXX and XXXX show no late or delinquent accounts or collectionAccounts which those companies shows on the reported information that was received from Credco. The information is incorrect on all three and I want the false information removed and corrected please see the supporting documentation uploaded
Product: Mortgage

I contacted Pacbay Lending Group who is helping me refinance my home in which process started on XX/XX/2020. I called in to ask for update on my loan closing. I was advised only to leave a message for XXXX XXXX and left number and never received a call back. They advised me to connect with my referring broker and the broker said they haven't received any updates from this lender for several weeks already. I was advised by broker that i would be responsible for extension fees in which delays were all lender delays. I was also advised i would be charged a .5 % fee for loan not closing before XXXX. This is unfair and deceptive to charge additonal fees to borrower when it is clearly lenders fault for being unprepared and non compliant. My wife works at a bank and credit usually needs to be decisioned in 30 days not 45-50 days per this lender.
Product: Credit card or prepaid card

Around XXXX XXXX Citibank began charging me a penalty interest rate because I had been late on a payment. This was at a time when I was in a financial hardship because of a job loss. It is now XXXX XXXX and I am still being charged a penalty interest rate on part of my balance. Citibank has not made any effort to return my interest rate to the original rate. This should have been done after I made " timely payments for six months '' and yet it has now been at least two years according to my review of past statements. 
When I called Citibank customer service to ask about the rate being lowered I was told that " it does not qualify '' to be lowered. I do not know what that means. This is the same way I was treated by Citibank on my other credit card with Citibank. Only after filing a complaint XXXX with the CFPB did Citibank decide to lower the interest rate back to its original rate. That was in XXXX XXXX. 
Based on Citibank 's conduct, which has now been repeated on not one, but TWO accounts, it certainly seems that they are intentionally keeping the interest rate higher even though my account has been in good standing.
Product: Debt collection

I received a call from a XXXX XXXX with Convergent Outsourcing about a alleged debt they say I owe from 2003, from XXXX of XXXX XXXX. She said she can call to collect on a debt if after it is past the statute of limitations of Debt collection of four years in XXXX and 10 years in XXXX. I advised her that the alleged account was over XXXX years old and that they were in violation of several Federal laws by calling my without my permission and for accessing my credit reports to obtain my phone number and address.
Product: Credit reporting or other personal consumer reports

I am requesting the immediate unfreezing of my credit file and removing of fraud alerts. See attached document.
Product: Student loan

On XX/XX/2018 I called XXXX XXXX for XX/XX/2018 payoff amounts on 3 loans ; 1-XXXX -- -- -- amount given {$7000.00} Chk # XXXX issued 2XXXX -- -- -- amount given {$10000.00} Chk # XXXX issued 3-XXXX -- -- -- -- amount given {$27000.00} Chk # XXXX issued On XX/XX/XXXX, three BANK checks were sent REGISTERED MAIL : to XXXX XXXX Co Signer Payoff XXXX XXXX XXXX XXXX, PA XXXX Those checks were received on XX/XX/2018 at XXXX XXXX Since then I have called the XXXX 11 times to check on those loan payoff being processed. By XX/XX/XXXX I began asking for a supervisor. On the XXXX I was told there were being processed. Since then I have been told that the imaging on the checks was not accepted & yet Chk # XXXX has processed through XXXX XXXX XXXX Wednesday XX/XX/18. I talked today with Supervisor XXXX # XXXX was to Call me back in XXXX to XXXX min XXXX XXXX XXXX. He was to check with the XXXX department. That has not happened ( XXXX ). XXXX XXXX called back. He said they have cancelled the 2 checks will not process them. Their bank XXXX XXXX will not process them. My bank will not reissue checks unless the others are returned. He informed me if it is the BANK 'S image fault I AM LIABLE FOR EXTRA INTEREST & FEES My question is how can 1 bank check for the MOST money process & the others not. Dealing with XXXX XXXX has been extremely Frustrating when just trying to pay off loans that constantly increase in interest. Since the loans originated my grandson still owes only {$1500.00} less & that was 4 years ago.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and Experian. 

Please delete the following accounts : XXXX Account Number : XXXX Balance : {$7400.00} XXXX XXXX Account Number : XXXX Balance : {$22000.00}
Product: Student loan

I have multiple student loans with XXXX/Navient. Between XXXX my student loan payments were being misapplied to either the wrong loans or to only one loan out of the multiple. The loans went into default even after several phone calls to XXXX XXXX to resolve the issue including providing proof of payment. Ultimately three of my loans went into collections and they reported marks on my credit report. I am now repaying my loans on the loans in collections. However, even those payments are being misapplied or suddenly stopped all together ( I have auto debit ). I have received letters now asking for full payment of the $ XXXX I owe them.
Product: Credit reporting, credit repair services, 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 XXXX Account XXXX Account Name : XXXX  XXXX  Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX h

as violated my rig hts. Or 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 am a XXXX yr old, 3rd generation homeowner who is having her home stolen by fraudulent and wrongful foreclosure and have the paperwork to prove it if someone could please help amicus curie before my home is taken for good. These documents clearly show that Loancare, its attorneys XXXX XXXX XXXX, XXXX, XXXX XXXX, and Selene Finance, are all involved in some manner in this fraud. XXXX and XXXX XXXX XXXX are caught by the lies that they have created. Attached is the real servicing letter I received on XX/XX/XXXX from XXXX to XXXX. The fabricated document created by XXXX ( dated XX/XX/XXXX ) is a lie that appeared on XX/XX/XXXX and exposes the fraud. This letter appeared on XX/XX/XXXX after XXXX fraudulently obtained standing and summary judgement. It appeared with the change of XXXX to Selene and was created for the sole purpose of backing XXXX 's Lie that they had the original note XX/XX/XXXX. But their lie backfired and exposed them because a genuine true servicing letter would have been from XXXX to XXXX certified with a stamp from the U.S. Postal Service on that date of XX/XX/XXXX. This shows that XXXX and its attorneys lied about their backdated assignment, their fake copy of a Note ( that was never attached to the complaint and didn't appear until XX/XX/XXXX ) The new evidence I have presented to the trial court of the fabricated letter I received XX/XX/XXXX along with the XX/XX/XXXX recorded transcript of my conversation with XXXX ( the real and missing servicer ) stating that XXXX XXXX was the investor not XXXX should allow the courts to prevent my home from being fraudulently foreclosed upon.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Student loan

I received and email on XX/XX/20 stating that they were changing my payment amount from {$290.00} to {$50.00}. I would have had this loan paid off in XX/XX/2020. But with their change i would have been on the hook to them for the next three years. I tried to go on their website to change the payment back and there is no place to change your payment. I then called and they told me that because my loan was consolidated that i was liable to them for so many months and that's why they changed it. They said that i had overpaid somewhere along the way. Not sure how that was possible because, i had been told several times over the years when i wanted to make additional payments that i could not. She said that she would put in a ticket, but they probably would not approve to switch the payments back to the regular amount. I need to see how my payments have been applied over the years with the running balance. Their website does not offer that. I need to see the running balance showing the principle / interest amount and the balance after each payment from the beginning of the consolidation. Yesterday XX/XX/20 i did a payoff so now my balance is XXXX. I wonder if they are going to allow that?
Product: Credit card or prepaid card

I received a USBank reliacard in the mail on XXXX-2020 or XXXX-2020. I did not request this card. After talking to the local USbank, they said it was an unemployment debit card. I did not file for unemployment or ask for this card. I'm worried it has been opened by someone wanting to use my information to collect unemployment benefits. I want this card shut down, but USBank says they can not do that???? Please advise, Thank You XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Company provided misleading documents, items sent to wrong address and personal property kept after car towed. Company responded but items raise further issues. See attachment
Product: Credit reporting or other personal consumer reports

Equifax is reporting an account on my credit report that does not belong to me. The company that appears to be stating that it is my account is XXXX XXXX XXXX. In XX/XX/XXXX this company contacted me by mail stating I owed for an account in the amount of XXXX, they are reporting XXXX as of XX/XX/XXXX and start reporting this in XXXX when they never provided any proof the account is mine because I know it is not mine. Their amounts don't even match and I have not paid anything because it's not my account, yet is appears less on my report than when I spoke to them a few years ago. I wrote them a letter stating that it was not my account and that they needed to provide all and any documents for request for credit for the account. They were unable to provide and are in violation of XXXX ( a ) ( XXXX ). It appears that this company then placed this account for reporting to XXXX in XXXX. I further requested documents from the company XXXX XXXX XXXX claims the original creditor is, XXXX and they could not provide. XXXX does not show this account on my report. Equifax must maintain correct information on my profile and remove inaccurate information under the Fair Credit Reporting Act. This account needs to be removed. If Equifax or the company that they have a paid relationship with for reporting can not provide me with the documents obtained to validate this account they are violating the law, 1681i ( a ) ( 5 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested an investigation into XXXX XXXX  being reported on my credit report and requested an investigation and the removal of this account from my report. I did not receive a hard copy of the application documents with my signature as requested upon completion of the investigation nor an updated copy of my credit report and it is also listed as a collection being reported with a balance. According to 15 USC 1692 this company should not have any of my information and are violating my rights. They are reporting inaccurate information and can not provide me with the hard copy of any documents with my signature. I would like this to be removed once again and let this be the last time that i have to file a complaint. It is also past 30 days that this request was submitted and i have a right to request that it be removed permanently. 
Thanks in advance.
Product: Checking or savings account

moneay XX/XX/XXXX I called my insurance company to get to get a refund of over payment of a check in the amount of {$620.00}, the insurance agent told me they need my bank statement in order for them to issue me a check the same day before cashing my check they needed to verify that when they deposited my check there was enough money in my account, they requested a current bank statement. I placed about a four minute phone call to navy federal to request statement be faxed to me, which they did then I faxed to my insurance agent which is the supervisor of that department. Later on I discover fraud charge on account of {$180.00} I called bank again to report. The initial person stated that my card was used online transaction she reordered new card said it would come via XXXX expedite shipping within 2 days, she then told me to enter new pin number into phone so it would be ready to use as soon as I got which I did follow the instructions, I was then connected to fraud department to continue with reporting, a man asked several questions and told me transaction was not done online but was swiped/ chipped I told him I was never on XXXXhe asked if I lost card I checked and still had card in purse and I don't believe any family would use my card. on XX/XX/XXXX I am doing web bill pay transaction and see there is a message dated XX/XX/XXXX stating investigation is complete and they are holding me responsible for charge located at store in XXXX, since I was already online with site open I immediately made call to bank since their message states " as a consumer I have the right to request any documentation that was used in the decision '' while I was requesting the " documentation '' on the phone I was also typing the request for the same documents on the website message system, I also stated that as of date new card has not yet arrive so she checked and said it was sent out via regular usps and needed 4-5 more days to arrive, I told her unacceptable I want my card sent via XXXX as I previously requested she once again placed order for new card stating she would cancel one enroute so it can not be used arp gain asking me to enter new 4 digit pin for the card because she noticed that the closest branch was such a far distance away from my address which I demand I would not do I would go to bank to active my card, I then requested that they provide me a letter on this and past reported cases of fraud by me that required a new card they responded with the new message on site that I would be the one to submit any evidence in the appeal process but they didn't provide to this day the documents I requested for their decision nor my request letter of which I also have proof that will be submitted
Product: Debt collection

I have disputed with XXXX  a collection from XXXX realty and sow threat   recovery  who was my landlord for three years. Do to medical recommendations from my doctors, I had to sick for medical help out of the state of Florida that was where I was living. I provided medical documentation to XXXX  on this regards do to my landlord, even when Provided with medical documentation that was the reason that I moved to another state to seak medical treatment in another state, and one of the only two reasons to brake a lease without penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX Notice of Data Breach. My personal information was compromised. I am a victim of identity theft. Someone opened a fraudulent XXXX Loan Account using my personal information and identity. I never applied for any loan or account with XXXX Loan Services. The XXXX Account is a fraudulent account and not my account. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Product: Student loan

Hi, I first got my student loans through XXXX XXXX and later consolidated. My compliant regarding these loans is the fact that i have been making payments on my loans since XXXX and within the last several years almost nothing has been applied to the principle. I have a fixed interest rate and i do have a lower monthly payment. I recently, XXXX/XXXX/XXXX, spoke to a representative from Navient and she basically told me that if i continue to make my current monthly payment which i have now been doing for 7 years that for the rest of my life i will be continuing to make payments and my principle will never decrease. My balance when i originally started was {$26000.00} and my current balance is {$28000.00}. My current monthly payment is only {$50.00} less than my original payment. Why is it that when i paid {$50.00} more i was having anywhere for {$68.00} to {$90.00} being applied to my principle but now almost nothing is being applied. For the last 3 years out of all the payments i have made only {$280.00} has been applied to my principle. I just do n't understand why my payment can not be split to have at least a percentage get applied to my principle. I have had several loans throughout my life including a graduate student loan. However, this is the only loan i have been consistently making timely payments on and not have my principle decrease but to increase. What makes this even disappointing for me is that i called and talked to Navient and told them i specifically needed a repayment plan where i can make payments, because i want to pay my bills, and have my payment be applied to both principle and interest and i was guaranteed that my repayment option would do that. I 'm just getting really frustrated and honestly afraid because if do n't continue to pay Navient then my really really good credit score is going to become terrible which will hurt any and all of my opportunities of getting any type of future loan. I could also have my wages garnished which i seriously can not afford. If i continue to pay them there is no guarantee that my payment will be applied to my principle.
Product: Credit card or prepaid card

I filed a complaint previously on Saturday, XX/XX/2021. Citi had lowered credit limit on Citi Costco card. On XX/XX/2021, I received notification from Citi that the limit on my Double Cash card had been lowered from {$6600.00} to {$300.00}. I had recently paid off credit card so it would report available credit. This card like my other had the limit lowered a few months earlier. Thus, yet another unfair negative report from Citi. 
I still think a class action suit is in order here. Citi is feeling at risk because the pandemic has got them scared. I have not missed a payment or ever paid only the minimum.