23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred to XXXX, then to XXXX XXXX XXXXXXXX, then to XXXX, now to XXXX. XXXX XXXX holds my half mortgage payment until they receive the whole mortgage payment. I pay them on time or within the grace period. They retain the interest they are earning on holding my half payment. They hold the half payment until they receive the other half and then apply it to my account. I called them XX/XX/18 to discuss this and they insist that it is not their policy to accept biweekly payments. This policy is not listed in the " Welcome! '' materials they sent me. I did not ask to have my loan transferred, yet again, to a company that I can not trust is following ethical and legal banking practices. The supervisor in customer service at XXXX tells me that they also can not apply extra funds to my account unless I tell them where to apply it. Logic  tells me to automatically apply extra funds to principal unless I ask them to apply to interest or escrow. XXXX insists that i have to tell them where to apply the funds. My XX/XX/XXXX payment had an extra approximately {$5.00} included. They automatically applied it to principal. Yet on the phone, they tell me that I need to tell them where to apply it. After I pay XXXX 's payment in full, if I send them a half payment on XX/XX/XXXX, they will automatically apply it to principal instead of hold it for XX/XX/XXXX payment. This directly contradicts what they said about holding payments until they receive full payments. 
I believe XXXX XXXX  is not allowing me to pay principal faster, forcing me to pay full interest when I am sending them money ahead of the due date. They are also retaining the interest earned on holding my money. It needs to stop. They are stealing my money, fraudulently holding it for their own gain, and misleading financially sound consumers trying to pay their mortgage down faster. This system is set up to fail the homeowner and only pads the pockets of mortgage companies. It needs to stop.
Product: Credit reporting or other personal consumer reports

I purchased roughly ~ {$2000.00} of equipment from XXXX in XXXX XXXX with a promo % XXXX APR until the following XXXX. I put this on autopay to be paid off by XXXX of XXXX. I've used this service previously without any issues. 

XXXX announced over the summer that they would be switching to a new service provider for financing in XXXX. Since I had my account lined up to paid XX/XX/XXXX, I had no concern. XXXX claims I canceled my autopay with {$22.00} remaining balance in XXXX of XXXX. They then proceed to charge me late fees, without notice, for XXXX and XXXX, bumping my balance to {$82.00}. I did not receive any statements of outstanding or overdue balance nor did I receive notice of autopay cancellation. I presumed that my account would have made its final autopayment of {$22.00} and be resolved. 

I did not know there was any issue with my account until my bank and XXXX both alerted me of a FICO change of XXXX to XXXX. I was shocked. I attempted to go to the existing XXXX finance site but website was not allowing access to any updated information. When I would call they would transfer me to the new provider of Comenity who did not or would not service since I did not have my new account number that I hadn't received yet from them. I had to go through an automated service using my SSN to then request to have my new account number mailed to me. 

Once I received the # I created my account and made a payment to my surprise of {$82.00} to get it resolved ASAP. When I called to inquire as to what happened XXXX advised they were not able to help since it was with the previous provider. When I called the previous provider they defered me to XXXX. Without any recourse available via phone I've started to dispute it through XXXX and also the CFPB. 

Also, it is showing me as current for both XXXX and XXXX yet XXXX shows past due 60 days? None of this makes sense.
Product: Debt collection

Contacted by Online Information Services who stated I owed a bill in the amount {$130.00}, and that I needed to take care of the payment immediately. The representative went on to informed me further action could be taken if I failed to pay the amount now. The representative stated once the account was paid, it would be removed from my credit report and no further calls would be made by them. I paid the {$130.00} immediately and noticed it stayed on my credit report. I contacted Online Information Services who stated they would not remove the account. I alerted them to the fact that I was told by their representative that the collection would be removed and account updated, they went on to inform me the representative informed me incorrectly. Refused to update my report with the correct information. 




ONLINE Information Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ONLINE Information Services Phone Number : XXXX Website : http : //www.onlineinfoservices.com/start/
Product: Debt collection

Midland Credit Inc. contacted my employer in XXXX looking to speak with me regarding a debt collection attempt, and have contacted my employer on other occasions as well.
Product: Student loan

We graduated from   XXXX  l school in  XXXX  and had  XXXX   XXXX  as our loan services. When we started residency the first year we were not required to start repayment. We were told by sallie  XXXX  our  2nd  year that the law had changed and we were required to start making payments  (   XXXX  of  XXXX  ). We were not making that much as residents and both my husband and I have   XXXX   school debt so we could not afford the payments. Not ONE time in the last 8 years has ANYONE from  XXXX  ( now Navient ) contacted me, or informed me when I contacted them about repayment option, about the income based repayment options. We were put into an economic hardship forbearance throughout the rest of our residency  XXXX . We should have been informed of the income based option and we were not. Further, we had a private loan that we were paying on during that same time frame. In  XXXX  when started repayment, our payments were mis-appropriated and applied to all of our loans, making our payments late until WE caught what was happening. This also extended the time it took us to pay off the private loans. After the lawsuit was made public WE looked into income based repayment and it will save us thousands of dollars over the course of our loan repayment.
Product: Credit reporting or other personal consumer reports

I am contacting you to address several inaccuracies Ive encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors.
Product: Credit reporting or other personal consumer reports

I am writing to formally report violations of the Fair Credit Reporting Act ( FCRA ) regarding Carmax, which I believe has engaged in unlawful practices concerning the reporting and handling of my credit information. 

In XXXX my debt was discharged in according to a 1099c that was filed with the IRS. Despite this discharge, I have noticed that Carmax continues to report this discharged debt to credit reporting agencies without my consent, violating my rights under USC 1681, which mandates that consumer reporting agencies and furnishers must ensure the accuracy and integrity of the information they report.

Additionally, I did not authorize Carmax to report this information, which raises serious concerns about their compliance with the FCRA 's requirements for consent and accurate reporting. The ongoing reporting of this discharged debt is causing significant harm to my credit score and financial reputation. 

I kindly request that the CFPB investigate these practices to ensure compliance with the FCRA and protect consumers like myself from such violations. I have attached supporting documentation.
Product: Credit reporting or other personal consumer reports

company is in violation of 15 usc 1666b per this violation please remove all negative remarks from my credit file and all other credit agencies on file asap. 

The negative reporting of this account is hurting my report and negatively affecting the ability of me being able to obtain credit. 

per CFPB this is a violation of my consumer rights and could be subject to daily fines for everyday this is listed. I am demanding the negative remarks be removed asap or I demand CFPB to fine them {$100.00} per day this is listed on my account and negatively effecting my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple dispute letters regarding a fraudulent account on my credit report, I sent a total of six disputes. Last correspondance I had with XXXX specifically was XX/XX/XXXX and I told the representative the problem about how the person who opened the account used a name that doesnt match my ID/DL card. That is very concerning considering I am trying to purchase a property and this account is holding me back from living the live I deserve!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, & XXXX  have not been responding to any of my disputes! I have been disputing items on my credit report and NON of them have responded to me. I have been patient because I understand that COVID has caused some delays but it is getting ridiculous. Under the law they still have to notify me and respond within 30 days!! There are erroneous items on my credit report that need to be removed immediately.
Product: Debt collection

I have receiving a pre-recorded message of a women voice debt collection agency on from XXXX XXXX with a account that is not mine. I believe I still have an account with which I was making payments, but due to hardship in 2013, I did n't have the money to continue payments. Now, I 'm on a fixed income. They keep calling but do n't say for who it is for. Please can your agency help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting the incorrect amount. Falsey reporting Charged off. Please correct the balance or remove this. Please remove this due to statue of limitations being reached. Investigation has been tried 3 different times and the same results with nothing being changed.
Product: Debt collection

I kept receiving emails from ARSI ( American Recovery Services Inc. ), about a debt I have never heard of. The email says I need to pick a payment option. I tried to unsubscribe from the emails, thinking it was a scam, but I kept receiving emails. On XX/XX/2023, I went to their website and disputed the debt, stating that it is not my debt. I have not gotten any response to my dispute, but I keep receiving the same emails. I called the number in the email and left a voicemail explaining the situation, but still got no response to my dispute, and the emails kept coming. I called the number again today, XX/XX/2023, and spoke to someone who would not give me information unless I verified I am the person on the account, by giving her personal information. The research I did on incorrect collections, said not to give them that information because they can use it to create false records of the debt, making it harder to disprove, so I did not give her any information that was not in the email they sent me. 
I have no information about the debt they are claiming, and they have yet to send me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX Please remove these Inquires : XP/TU/EF B XX/XX/XXXX XXXX XXXX CARS AUTOMOTIVE EF B XX/XX/XXXX XXXX XXXX XXXX XP B XX/XX/XXXX RENTAL PROPERTY XXXX XXXX EF B XX/XX/XXXX XXXX XXXX XXXX  Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX    ), and XXXX v. XXXX, XXXX  XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. 
The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which has been mistakenly existing on my report for over XXXX years. 

But somehow, these fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting these fraudulent accounts since the submission of the required documents. 
Additionally, I have reached out to the bank associated with the fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Credit card

I paid off my CitiBank Visa in XXXX or XXXX. I do n't even have the card or a bill anymore to reference the account number! 
Today XXXX/XXXX/XXXX i received a letter that I owe {$120.00} + {$22.00} in interest and {$260.00} in fees with a total of {$400.00}. AND they are sndthe account to XXXX XXXX XXXX. Which I believe is a collection agency. 
I want to know how all of the sudden I get this bill after at least XXXXXXXX years of this account being paid off. Please Advise I am afraid this is going i ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that need to be UPDATED. The XXXX ans XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
TOYOTA MTR XXXX Date Opened : XX/XX/2018 Balance : {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a credit at XXXX. And recieved a letter 10 days later from XXXX  XXXX  that the credit bureau, Sagestream , LLC, reports that I am deceased and credit denied. Called Sagestream, because I am NOT deceased and they refuse to help. Called the bank and they recommended calling sagestream. Is this even a real credit bureau?? The bank rep said she never heard of them.
Product: Debt collection

Its funny that a company that I have been with since XX/XX/2002, and am still a customer they have me as I owe XXXX XXXX dollars
Product: Money transfer, virtual currency, or money service

My bank is Wells Fargo. On XX/XX/2018 I sent my landlord my rent of XXXX.. I used XXXX which is a money transfer service on Wells Fargo web site. I have used XXXX to send my rent for over 2 years and never had a problem. In XX/XX/XXXX my landlords account was compromised and he closed it and opened a new account. When I sent the money by XXXX in XX/XX/XXXX he did not want to accept XXXX, so he never entered his new account info. My money never made it to him, and I never received it back. 
I have filed 2 claims with Wells Fargo and spoke to an XXXX at Corporate. ( XXXX ) XXXX was not able to help me to get my money back either. I have even gone to my landlords bank, XXXX, and the lady, XXXX, put in a call to XXXX for me and I was able to speak to XXXX. ( They normally dont speak to the public ). XXXX told me because I used XXXX through Wells Fargo, they were not able to track the money. They also said, had I used their stand alone app, they would have been able to track it.no one can tell me where this money is. My landlord doesnt have it, and I had to come up with an additional {$480.00} for rent. 
Wells Fargo is not standing behind a product that they have on their website ... this is not fair! 
Please help me to recoup my money! 

My landlord is XXXX XXXX and his phone number is # XXXX. You will need that for XXXX. 

XXXX XXXX
Product: Mortgage

My property got reassessed this year by XXXX XXXX. I got a lawyer. I was prepaying citizens all year in advance to cover the extra taxes I knew that were coming. 

In XX/XX/2023 when we got our final ruling I called citizens to inform them. They also sent me an escrow surplus check for XXXX $ ( of what I prepaid ). 

I let them know my taxes got raised. They said no problem we handle this all the time. They told me to send back the escrow surplus check and they would reach out to get the owed taxes, and pay it. Then I asked them to recalculate my mortgage payment so I knew what it was going to be with the increase. My payment went up XXXX $ at this time. 

Long story short, in XXXX, I got served a certified letter for delinquent taxes. I had to call citizens, the law firm, and the county 4 times to get this situation handled. The due date was XX/XX/XXXX, and I finally got them to pay it XX/XX/XXXX, 6 days late. 

I was charged almost XXXX $ in late fees by XXXXhe county. I asked citizens to refund them since they said they were handling it for me and failed me. Those fees took 50 % of the taxes I prepaid in advance. I can not ever talk to someone who can help me at citizens. They always say they will call me back and never do. 

Finally my new mortgage payment went up almost XXXX XXXX From XXXX a month to XXXX a month. Something doesnt seem right. I am not sure they even used my escrow surplus for the taxes due. 

Can the CFPB please help me and my family? I am struggling to get this information, the issue resolved and it seems that citizens does not care about me. I did all the right things. I prepaid. I notified. I trusted my institution to handle this for me. Since then, the stress of being tax delinquent and now this monthly payment is causing harm and duress to my family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account appeared I never lived at that address and had no such services there please remove immediately
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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.
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX  {$2500.00} XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX  - XXXX {$470.00} XXXXXXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX - XXXX {$390.00} XXXX XXXX - XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX {$990.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT I HAVE NO KNOWLEDGE OF NEITHER HAVE I BENEFITED FROM ANY OF THESE FRAUDULENT ACCOUNTS OR INQUIRIES
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I found disrepancies on my report with XXXX XXXX, Equifax, XXXX Acct # XXXX the date of last payment says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Product: Money transfer, virtual currency, or money service

- On XX/XX/XXXX, I initiated an international money transfer for {$14.00}, XXXX to an international recipient using the TransferWise.com remittance service. 
- In the prior 6 months, I had successfully performed 6 remittances to the same recipient without issue. 
- I paid a fee of {$130.00} to Transferwise to conclude the transaction within 3 days - By XX/XX/XXXX the funds had not yet been received by the recipient. 
- On XX/XX/XXXX, I contacted Transferwise customer support to inquire as to why the funds had not yet been received by the recipient. They indicated that they did not know what was causing the delay but they would look into the matter. They also indicated that they did not know where the funds were. 
- On XX/XX/XXXX, I contacted Transferwise customer support again and inquired as to whether they had been able to locate the funds. They said they were still looking. 
- On XX/XX/XXXX, I contacted Transferwise customer support again, but still they were unable to tell me where my funds were. 
- On XX/XX/XXXX, I contacted Transferwise customer support and asked to speak with a manager or have my case escalated. I was informed that there was no escalation procedure and that I should keep waiting for them to try and trace the funds. I asked where my funds were and they said they did not know. I also asked when they expected to have located the funds and they said they could not tell. 
- On XX/XX/XXXX, I contacted Transferwise customer support again to inquire if they had traced my funds and they indicated that they had not been able to make any progress on the matter. At this point, more than 2 weeks had elapsed since I had initiated the transfer. I had also incurred significant financial loss since I had to borrow funds to pay the recipient who should have received the initial transfer. 
- As of today, XX/XX/XXXX, I still do not know what happened to my money and I have not been able to get any resolution from Transferwise.