23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have no knowledge of XXXX XXXX I have no contract with them, nor do i even live in the same state this company is located. My first knowledge of this company came when they surprised me by placing two collection accounts, XXXX unknown account for {$390.00}, and another unknown account number XXXX, for {$1300.00}, on my XXXX, equifax, and XXXX credit report. 

These are allegedly charged off accounts, purchased by this debt buyer, but being reported with late payment histories, which doesnt even make sense. None of the information is even accurate, reporting different date of last payments, or in the case of XXXX  no date of last payment even recorded. All violations. 

I've had no contact prior to this. I was never sent any notice of debt, by phone, or mail. Or given any time to dispute. violation. 

I disputed the account with all three bureaus, multiple times, and after notifying the credit bureaus about the multiple violations committed by XXXX, they continued to report the account, and failed to update the status to in dispute within the 30 day timeframe. another violation. 

After continuing to dispute this unknown company and the negative marks on my credit report, I challenged XXXX XXXX to validate the debt, they did not provide such documentation. Which makes sense, since why would a company who cant provide validation of this scam debt, follow FCRA Regulations. This is another violation. Instead of removing the scam accounts, they doubled down, and just closed them. I thought that was the end of it, but today XX/XX/XXXX, they reopened the account on my credit reports. with the " original '' dates for the account opening they claimed.
Product: Mortgage

BB & T Mortgage does not immediately credit proceeds received as principal pay downs or partial payments. Instead, the company sits on payments until the final monthly payment is received and then credits the account. This eliminates the advantages of paying bi-monthly or bi-weekly to decrease the interest paid over the lifetime of a mortgage. The public knows these payment options to be advantageous on any loan that is accruing interest daily. Placing pre-payments in a non-interest bearing state while daily amassing interest on the same sum is disingenuous and deceitful. 
The practice has no doubt costs consumers millions over time!!! 
Intra-month payments should be applied to accumulated interest and partial principal ; thus altering the relevant amortization schedule for the rest of the loan. 

It is extreme, but large lump sum payments towards a mortgage ( non-payoff ) can sit for more than a year and applied according to the original amortization schedule. Reaping the client no advantages while the bank as free access to the pre-paid funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Inaccurate DOB : XXXX US DEPT ED XXXX Balance Owed : {$2100.00} US DEPT ED XXXX Balance Owed : {$3400.00} US DEPT ED XXXX Balance Owed : {$2100.00} US DEPT ED XXXX Balance Owed : {$3400.00} XXXX  XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX US DEPT ED XXXX Balance Owed XXXX {$2100.00} US DEPT ED XXXX Balance Owed : {$3400.00} US DEPT ED XXXX Balance Owed : {$2100.00} US DEPT ED XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$2100.00} US DEPT ED XXXX Balance Owed : {$3400.00} US DEPT ED XXXX Balance Owed : {$2100.00} US DEPT ED XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$2300.00XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX Balance Owed : {$650.00}
Product: Credit reporting

XXXX has put one 30 day late payment on my credit report and it is mine. It is appearing in my credit report two times. I have been trying to get rid of this since last six months but no luck. Every time I request, Transunion will put it onto Dispute Status and keep it like that for ever. It is really hurting my credit score badly.
Product: Credit card or prepaid card

From XX/XX/2023 Citicard began declining my credit card over and over. When I began calling from XX/XX/2023, they kept making me verify texts and purchases but still kept declining purchases. They would not give me a reason for declining the purchases. They repeatedly switched me to different operators. This has been going on for 4 days. Even though I gave them my cell phone number, they said they did not have it and it was not verified despite my verifying it over and over. The texts they sent out also did not reach me for over 5 to ten minutes. The operators also could not speak clear English. They got angry because they were not clearly understood and would not give a reason for why Citibank began declining my purchases. There is a bonus Citicard offered if you spend {$1500.00}. I believe this is why they were preventing me from charging. They would not confirm if I already spent {$1500.00} and was eligible for the bonus or not. This is a poor scheme Citibank is doing. I have read about other banks trying to sabotage people collecting on the bonus they are offering but consumers should not have to go through this. I requested they mail me a letter of explanation but they ignored that. They said the reason they declined purchases was that they did not have my cell number. When I explained that you do not need a cell number to make a purchase with a credit card, they fell silent. 

I worked four days with Citi card. I think it is about time they paid me for my work for them. Consumers should also be warned not to use Citibank 's credit card. My tax return is being delayed because they declined the card there also across three companies.
Product: Credit reporting or other personal consumer reports

I have been a XXXX owner for the last 12 years, with multiple vehicles. When I first purchased my newest vehicle, the salesperson was supposed to enroll me in automatic payments, but he forgot to and when it came time to make a payment, it was never made and even though I made the late payment on the XXXX day, they said that they require payment be made on the XXXX day, one day before all other loan companies in the united states include the XXXX day, before sending credit agencies a 30 day late payment inquiry. XXXX is the only company in the United States that doesnt allow the XXXX day of the month to be included as a non late credit inquiry. If you make a payment on the day your payment is due, is it still considered a late payment. You must make your payment 1 day before your due date to be considered on time. This is against every credit agency I have ever dealth with in my life. Also, If you make a payment on day 30, they dont take the payment out of your checking account, until 5-7 days after your payment was made. When someone allocates money to an account for payment, taking the payment 7 days later may cause an account not to have sufficient funds since other payments from the account are taken automatically, and because of this I reciveed another 30 day late for the month of XXXX. Finally, Today, XX/XX/XXXX, I tried to make 2 Online payments, one payment I made on XX/XX/XXXX, but they didnt take the payment out until XX/XX/XXXX, and there was insufficient funds on that day because my mortgage gets taken out on the XXXX, and for a second payment for the current month, but the online service is not accepting my payments, and either is their phone system, and they are closed at XXXX XXXXXXXX XXXX XXXX on Friday XX/XX/XXXX. There is no possible way I can make my payments on time, Since monday is the XXXX of the month, the day my payment is due, they will consider this another late payment and affect my credit score again since paying on the day of my due date is considered late! Our cost of living has doubled in the last 3 years, and our income has stayed the same, they should have a little empathy for XXXX XXXX, but this company is the epitome of a socialist dictatorial entity, not capitalism. They should be banned from the united states of America. I will never purchase another vehicle from this company again even though I love their cars.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$160.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I  XXXX   XXXX  file a CFPB complaint as I believe th at Ocwen Federal  Servicing is re-aging my old mortgage account to maintain a negative item on my credit reports longer than necessary. My   XXXX    credit report shown my firs t 30-day l ate payment for  XX/XX/XXXX . That would mean that based upon the Fair Credit Reporting Act guidelines on obsolete information reporting, my  Ocwen  account would come off  XX/XX/XXXX .  Ocwen  also cut off over six-years of payment history, which I believe I had late payments during that timeline. In essence, I believe that 7-year rule would already apply and that the Ocwen account should already be removed. Accordingly, I will be satisfied with a  XX/XX/XXXX  removal date. The  XXXX  credit report has cut off the same six-years of payment history, and shows a beginning date of XX/XX/XXXX  The  XXXX  credit report showing  XX/XX/XXXX  is acceptable, and I need verification from  Ocwen Loan  Servicing that the account information will be remove XX/XX/XXXX .
Product: Debt collection

I receive several calls a day from this collector. They are also contact my family members at work and on their cell phones phones after I have repeatedly asked them to stop but they have refused. They have also stated they are with the City of XXXX Court Systems and that I was being taken to small claims court. I have told them that I was dealing with a settlement company and they would need to contact them. They would n't let me speak kept cutting me off very rude and when I told the manager the ways I was being talked to and the lies I was told she told me that it could do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my consumer report for a rental property. TransUnion is reporting adverse information of convictions of crimes which antedates the report by more than seven years. That is a violation of Title 15 USC 1681c ( 5 ).
Product: Checking or savings account

We bank at Chase. 
During our depositing of a large check we were approached by bank personal to open a private client savings account with a promise of a bonus XXXX if we deposit XXXX with 90 day hold on money in the account. 
The private client representative opened the account for us and money ( XXXX ) was transferred on XX/XX/XXXX. 
over 90 days later we inquired about the bonus from said banker and were told to wait 10 days. 
15 days later I contacted online support and were told bonus code was not applied and i should call " you may contact your Private Client Banker at XXXX for assistance. '' - sent XX/XX/XXXX XXXX XXXX  by online support. 

After calling, I was sent to costumer support because banker did not pick up phone. 
They emailed him and promised 7 days response. No response was given. 
It is now XX/XX/XXXX and still no bonus was given.
Product: Mortgage

On XX/XX/2020 My wife called Wells Fargo Home Mortgage ( XXXX ) ( XXXX XXXX   XXXX XXXX XXXX, IA XXXX ) to apply for a forbearance. She was told they would start the process. 

We got a letter in the mail dated XX/XX/2020 stating that effective XX/XX/2020 our loan would be transfered to XXXX XXXX XXXX ( XXXX ) ( XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX ) On XX/XX/2020 I called XXXX XXXX XXXX ( XXXX ) ( XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX to find out what was going on with our loan. I was told that they could see it had be transfered but that they could not see any loan details for up to six weeks and that I need to call them back every two weeks to find out. I let them know that Wells Fargo Home Mortgage ( XXXX ) ( XXXX XXXX  XXXX XXXX XXXX, IA XXXX ) was working on forbearance paperwork before the transfer. XXXX XXXX XXXX said they would honor any agreement we had with Wells Fargo Home Mortgage. 

Another letter from Wells Fargo Home Mortgage ( XXXX ) ( XXXX XXXX  XXXX XXXX XXXX, IA XXXX ) Dated XXXX Stating that we owed them XXXX by XXXX or the loan could require immediate payment of loan in full. 

XXXX I called Wells Fargo Home Mortgage ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX, IA XXXX ) to find out why the loan had been transfered and not put into forbearance. They had no answers. They did tell me i could ignore the letter dated XXXX seeing as the loan had been transfered. I asked them if I was going to be required by XXXX XXXX XXXX  ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) to pay that amount, again Wells Fargo Home Mortgage could'nt answer. I asked Wells Fargo Home Mortgage why they didn't put the loan in forbearance before the transfer, Wells Fargo Home Mortgage said they could not find the request from XXXX. I Let Wells Fargo Home Mortgage know that I thought they where trying to steal my home and that I was going to report their practices to a Federal Agency. I asked Wells Fargo Home Mortgage who had Federal Oversite of Home Mortgages, they answered they didn't know.
Product: Credit reporting or other personal consumer reports

I hereby attest and affirm to Experian, under the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission ( FTC ), and all relevant laws, regulations, and citations, that the account in question is a victim of fraudulent acts and actions that I did not authorize and is therefore due to identity theft. As a result, I'd like to ask that this account be deleted per the FCRA 's legal requirements and factual evidence. 
Experian reports the account as " closed '' and " written off, '' while then, against FCRA and other federal regulations, reports the " current amount owed '' at over {$11000.00} and three times the original amount reported just eighteen months ago of {$3800.00}. Experian states this " Meets FCRA Requirements, '' when in fact, Experian is reporting monthly an interest rate of over 300 percent, inaccurately reporting the months of XX/XX/XXXX - XX/XX/XXXX as current when in fact, I never made a payment, had my vehicle repossessed barely a month after the first payment due date, do not report terms, monthly payment amounts, and against FCRA and federal laws openly reports an account where XXXX and Predatory lending practices are evident, and to any state or federal law This request also extends to XXXX XXXX, which has been served with the " FCRA 605B ( 15 U.S.C. 1681c-2 ) '' and the " Furnishers of Information : Obligations of Furnishers Under FCRA '' documents. I have proof of delivery and receipt of these documents via USPS priority mail, and I would like to ask that XXXX XXXX comply with the directives outlined in these documents. I urge XXXX XXXX to immediately cease all negative reporting activities on this account, as failure to do so will result in criminal and civil action ( s ). Experian has been notified of the situation and is equally accountable. The deletion of this fraudulent account was being reported unlawfully, evidencing XXXX, predatory lending, and anti-FCRA guidelines, and it was causing me tremendous harm. An FCRA 609 request and investigation will be requested in denial of my rights and unlawful acts against XXXX XXXX has failed to respond to the following statements of fact : As a title-loan company, under Tennessee state laws, XXXX violated XXXX XXXX '' laws, charging interest rates above 24 % that are closer to 300 % ; " Predatory Lending '' laws ; the " Repossession 10-day notice '' law, which further forced protections sought under XXXX XXXX Bankruptcy ; " State Consumer Protection Laws '' which prohibit fraudulent, deceptive, and unfair business practices, also known as " Little FTC Acts. " ; Additionally, XXXX XXXX violated the " CFPA '' and " Dodd-Frank Reform Act, '' which means that it has also violated " UDAAP '' laws and regulations, the " Common Law Fraud '' regulations breaching " Consumer Protection Laws. " ; " Violation of Civil Rights Laws '', under " ADA '' regulations ; the " FTC ACT, '' " CFPA, ''
Product: Debt collection

My rights under the FDCPA have been violated. This Law states that The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. This company is also in violate of HIPAA. 
Theses companies are in clear violation of this act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have methodically made extra principal payments by taking the base payment, then adding one or two subsequent principal-only amounts from the amortization schedule. 

As of XXXX, the remaining balance was within XXXX cents of Planet Home Lendings statement for the following month. 

XX/XX/XXXX ( for the XX/XX/XXXX payment ) I added XXXX additional principal-only payments to the base payment due ( totaling almost {$7000.00} additional ). This would leave the principal balance at {$410000.00}. 

Instead of correctly applying all additional money to principal as the check memo instructed, they added an extra {$580.00} to Escrow, which costs me an entire extra payment later ( {$2700.00} ). 

The next statement showed a beginning principal balance of {$410000.00}. 

The XXXX XXXX Balance field is {$0.00}. 

The Escrow account has {$1200.00}, even after the homeowners insurance was paid last month. This is considerably more than is needed for the next property tax installment due in XXXX. 

I was neither asked permission for this action, nor was I informed of this action. I had to examine my statements to discover this action had occurred. 

This is the 2nd time in less than a year that they have mis-applied my payment. I informed them last time that I would file a CFPB complaint if they redirected my funds without notification. They were dismissive of my warning at the time and have now done that exact thing again.
Product: Credit card or prepaid card

My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. It has come to my attention your financial department of JPMorgan Chase & Co, can not disclose to a nonaffiliated third party any of my nonpublic personal information. In addition It has also come to my attention that your financial department does not have the ability to loan its own money or money of its account holders. Notice the existing credit card agreement which am in question of the credit that was allegedly loaned. Please provide evidence of the money that was loaned to me for family and household purposes. I would like to request a audit trail according to XXXX ( Generally Accepted Auditing Standards ) to show proof of this loan. Notice, repayment needs to be made only in equivalent kind. Notice, this be a matter of emergency. Notice, am demanding for the account to be reopened, with the original limit set to {$10000.00} and zeroed out each and every bill cycle upon lack of supportive documentary evidence. Notice, any financial institution that requires a consumers social security number to apply for a loan on any application, knowing theres no money to lend is a felony.
Product: Credit reporting or other personal consumer reports

Cfpb upon looking at my Experian credit report I noticed that Experian removed a positive account for my credit report today which I had over a year and I did not give them written consent to furnish my credit report. Also I'm uploading documentation so that you can see that when they removed my positive XXXX XXXX XXXX XXXX  it took my credit score down XXXX points cfpb please make Experian reverse the action and put that back on my credit report thank you
Product: Credit reporting

I have previously been a victim of identity theft. I have fraud alerts set up with each credit bureau. I recently noticed a new collection on my credit report, I previously had none. I immediately disputed this, and it was deleted off my credit report on XX/XX/2016. Recently equifax reinserted this info on my report, and this is not my debt. It is for a bill that originated in XXXX, AL. I 've NEVER lived in XXXX, AL. This is a violation of the FCRA.The Fair Credit Reporting Act states in 611 ( A ) ( 5 ) ( B ) ( ii ) credit bureaus must notify you in writing in 5 days before they reinsert the past deleted item. I did n't receive any notification.
Product: Checking or savings account

On XX/XX/XXXX mail was stolen out of our mailbox. Within minutes Of it happening I called my bank fifth third to let them know that my mail was stolen and to flag my account for any suspicious activity. There was a check payment to XXXX XXXX  in there for {$88.00} and I gave the check number and around the time it happened. Later that evening I was checking my account on my mobile app only to see a check that was bleached out XXXX XXXX XXXX  check ) and made out to a person by the name of XXXX XXXX XXXX. Since it was after XXXX I couldnt reach my bank until the next day. I went in to file a fraud report ... ..which was done incorrectly and didnt even find that out until I called them to check on the case. So I had to go back to 5/3 and have another fraud report written up and so my case wasnt even looked at until XX/XX/XXXX. I have also filed reports with the XXXX police dept and the United States postal service and the comptroller of currency ... .all of which have failed me. They basically say that because the check was cashed by XXXX  its really out of their hands and that they have 180 days to put the money back into my account. My latest contact has been with XXXX XXXX from the comptroller of currency who basically said that there is nothing they can do. He is my contact now as that as what I was advised to do by him. I feel like my money was not protected by a bank that is supposed to be FDIC. I feel like my funds should have been reimbursed during this process for multiple reasons but mainly because I gave them all the information that they needed to know and they still didnt protect my money. Its a scary thought to know that I bank with a bank that doesnt protect me or my funds. I am running out of people to help me.