23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have paid our monthly payments flawlessly on time for nearly 16 years on a 20 yr loan. Recently, XXXX and XXXX of 2018, we paid our regular monthly payment one day early. Our payment was applied to " additional principal '', and the regular payment ( as stated on our receipt ) was listed as unpaid. This happened two months in a row, and we had no idea that it was happening until later. 
Just before this, we were late on our county taxes, and in spite of our negotiating with the county about a form that we had filed to check the amount of our taxes, finding that they had indeed over charged us for several years about 30 %, Chase bank stepped in and paid back taxes, and half of the upcoming year taxes. They then asked us to make payments ( amount due divided by 12 months ) to them for the back taxes in an Escrow account that they set up for that purpose. They did that same thing when we began to pay down the escrow amount ( as shown on receipt ), putting that down as " additional principal '', and claiming we had defaulted on the payment schedule. At this point, we have paid all of our regular payments on time, and 2/3 of the back taxes, and are current on taxes now. Chase has backed off on some demands, apologizing for their mistakes, and saying that they will issue another " escrow analysis ''. Each time they apologize and issue another analysis, this is 4 times now, each one with new ficticious figures claiming that we have missed two monthly payments, and would we like them to help us with our mortgage in jeopardy. We feel that the problem is easy to fix, and needs no analysis, only that they properly place the payments to reflect what the receipts say, which will show that we are up to date on everything. We can supply copies of receipts to show the discrepancy. We do not believe that this problem is because Chase Bank can not simply read their own receipts, but that they are attempting to force us into jeopardy by tricky tactics. They simply refuse to listen to facts, and talking with people on the phone after hours waiting that speak English only as a second language to explain difficult math issues is completely frustrating. I Believe that none of this repeated : " oops we made a little mistake '' stuff is not accidental.
Product: Credit card or prepaid card

I am writing to file a formal complaint about Discover 's payment process. I am attaching a screen print of their system for your records. 

As you can see, my payment is due on XXXX. The payment was already made for the month several days ago. I prefer to schedule my payments about 30-45 days ahead of time and prior to the due date. The account has always been paid on time.

Discover 's system will not allow users to schedule payments following the due date on the account regardless if the minimum payment due has already been made for the month. We have numerous credit cards and none of the other lenders handle payment processing this way.

Customers should be able to schedule their payments whenever they want. Discover should not block the customer 's online ability to make payments ahead of time regardless of whether the minimum payment due has already been made, although it is obviously more ridiculous to not allow a customer to schedule a payment in the future for the following billing cycle if the account isn't even past due. Manipulating their payment system to block customers from scheduling payments has all types of implications, including extra daily interest if the customer can't schedule on the day he or she wants.
Product: Credit reporting or other personal consumer reports

I am disputing these agencies claim : ( XXXX XXXX XXXX XXXX # XXXX ; ( XXXX XXXX # XXXX ; And I am requesting validation from you pursuant the Fair Debt Collection Practices Act,15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide breakdown of fees including how you calculated what you claim I owe. Then Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which Im allowed under the FDCPA. TransUnion has continue to report this on my credit knowing they did not receive proper documentation neither did the consumer receive documents for these account to be added to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX deleted a bankruptcy off my report and then added it back to my report and i have proof from a report generated by XXXX. This is illegal! and must be removed at once! 

XXXX needs to remove all NON-ACCOUNT bearing inquires off my file, i dont recognize most of the inquires.Factual data is report 2 inquires and i only authorized them once. 

XXXX refused to show proof of their investigation in a timely manner according to the FCRA guidelines. and refused to delete a bankruptcy inaccurately reporting. This is illegal! and must be removed at once! 

XXXX needs to remove all NON-ACCOUNT bearing inquires off my file, i dont recognize most of the inquires. Factual data is report XXXX inquires and i only authorized them once. 

Transunion refused to show proof of their investigation in a timely manner according to the FCRA guidelines. and refused to delete a bankruptcy inaccurately reporting. This is illegal! and must be removed at once! 

Transunion needs to remove all NON-ACCOUNT bearing inquires off my file, i dont recognize most of the inquires. Factual data is report 2 inquires and i only authorized them once.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX breach, XXXX breach, and the black market, I need these to be removed. ''
Product: Mortgage

I want to refile a complaint against Bank of America. They responded to my previous complaint XXXX -- XXXX however they did not give accurate information. What is the point of going through this regulatory process when the bank can say what they want and not be held accountable. I sent supporting documents in my previous complaints against BofA and XXXX and it shows dates, times and names. All conversations are recorded so do I need to get an attorney to finally get a legitimate response? Is a class action suit more in line? What will it take for big banking to be held accountable. 

BofA states I did not respond to their requests for the trial mod and they are incorrect in saying I did not respond. They are on a recorded line when their rep XXXX XXXX said they failed to connect with me at the designated appointed times because of a faulty calendar system AND their rep XXXX XXXX told me NOT TO PAY THE TRIAL {$2200.00} and I attached proof of conversations that outlined I did what was asked of me. They are not telling the truth and I am the one left to pay the price. Further when they told me to get the documentation in for the traditional loan mod, I turned in what they needed then XXXX said to resend it because they didnt have it. I have cert labels tracking they received it. XXXX even told me to get the info in a 2nd time quickly so they might still be able to keep my loan. I DID WHAT THEY SAID. This is not right that they should close this file because it is not accurate or true! 

On XX/XX/2022 at XXXX I got a call from The Rep from regulator compliance ( XXXX XXXX ) who received this complaint even read me back some of the notes stating what I said was true so how does it come out to be this result???? They misguided me on paying the trial amount and then said I didnt provide them with information they requested- when I did. This was done in an effort to have XXXX take over the loan. XXXX stated he would try to get the loan back or talk to XXXX  to see if they can offer the original trial that I WAS TOLD NOT TO PAY and try to do the traditional modification. Why would your reps misguide someone about to lose their home? 

They need to be held accountable and I do not accept their idea of a resolution. They did not handle my account correctly and something should happen to them for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an employee for an attorneys office. A salesperson from XXXX XXXX XXXX XXXXXXXX, who was selling office equipment came to this law firm and drew up a contract for XXXX XXXX for XXXX XXXX XXXX XXXX, the name of my employer who has an office in XXXX, TX. After failing to secure the agreement, the salesperson made a unlawful decision to use information from me to make a deal without my knowledge to another financial company, XXXX XXXX. I knew nothing of this until I saw in my credit report with a balance of {$10000.00} from XXXX XXXX. XXXX XXXX never verified my information or if there was any equipment in the office. They just informed me that I needed to pay off a balance for {$10000.00} using my XXXX organization which does not exist at the address on the paperwork. The equipment listed on the paperwork does not exist in this office either. I have disputed this with Equifax and XXXX and both say that it is accurate. It is NOT accurate. I have not received any paperwork from XXXX XXXX for me to sign. If I need to submit the documents, I can. I have the original contract with XXXX and what looks like an invoice from XXXX XXXX. I also have recorded the conversation between the salesperson and myself. I want this off my credit report and the my name cleared of any payments to anyone regarding equipment that does not belong to me.
Product: Credit card

For the month of XXXX, my payment was due on XX/XX/XXXX. I made the payment the next day on XX/XX/XXXX. I unfortunately just didn't make the payment by the due date. It slipped my mind. I made the payment the very next day. I have been a good customer and have never failed to make my monthly payment since I have used that card. Capital One Quicksilver would not credit me back the {$40.00} fee. {$40.00} is stealing, it really is, despite what their fine print says when someone gets a credit card with them. We taxpayers already subsidize these banks with our tax money so that they can get cheap or nearly free money to loan to people at higher interests rates. That is just XXXX example of how they rip us customers off and to not credit me a late fee when I made the payment the next day is stealing and what XXXX says as unequal measures. These credit card companies and banks should stop ripping us off and at least credit my late fee back to me so I can pay them off faster.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is reporting inaccurate and fraudulent account information from XXXX XXXX XXXX. CFCB has current case # XXXX against XXXX for providing altered and fraudulent account statements from XXXX XXXX  XXXX XXXX In XX/XX/2019 XXXX XXXX XXXX  report that no money is owed to them and that XXXX XXXX surety bond pays the final amount due to them. XXXX and XXXX also keep reporting debt owed as a rental agency even though court documents with eviction dismissal, account documentation and rental reports pulled in 2019 show and have been provided several times show that no money is owed to any rental property. 

I have been filing complaints against this credit bureaus on this issue since XX/XX/2019 to no avail. 

I am providing legal documentation again : 1. Emails from XXXX XXXX XXXX that {$2800.00} for sure deposit and that {$0.00} is owed to XXXX. 
2. Recently pulled court documents stating eviction was dismissed in my favor and {$0.00} amount is due. 
3. Rental background report pulled in 2019 by realtor stating {$0.00} amount due to XXXX XXXX  XXXX XXXX 
4. Current investigation into XXXX submitting an altered and fraudulent account statements
Product: Money transfer, virtual currency, or money service

I received a text from what appeared to be my back, stating that a hold was being placed on a XXXX payment of {$5000.00}. I replied back to the text that it was not me. I shortly received a phone call from a man named XXXX that identified himself as a Chase Bank agent. He even proceed to give me his " I.D . '' number. 
He asked if I had used my business debt card in XXXX, GA, and if I had made a transfer to " XXXX XXXXXXXX '' I replied I had NOT been out of state and the business debt card had been in my possession. 

XXXX went to day that a {$5000.00} dollar transfer was been made and on hold for fraud, by Chase, and was going to help me stop the transaction from continuing. In order for that to happen he stated that I had to use the XXXX  payment on the Chase Mobile app to send the same amount of money to the " XXXX XXXX  '' and to use my name and mobile number to ensure that the payment was going to be returned to my Chase account. 

I told him that I did not have a XXXX account, that I was not familiar with XXXX and have never used the payment system. He then told me he would walk me through the process of what I needed to do, step by step. I followed his directions and sent the payment to " XXXX XXXX  ''. He even wanted me to stay on the line to make sure that I received a " confirmation code '' and to make sure the payment was going to be returned to my Chase account.

I then realized that I may have been taken advantage of and call the number on the back of my card. I told the agent on the line to look into the transfer of the {$5000.00} from my business account to which she said that it was being sent to an account with my name at " XXXX XXXX XXXX'. I informed her that I do not have a XXXX XXXX  '' account and that I used the XXXX payment system, to which she transferred to me to the Fraud department, but they where closed for the evening. 
I was able to contact Fraud department the following morning, describe what had took place to the agent, to which she replied that there was no way Chase could file a fraud claim because and to contact XXXX. XXXX said to contact my back.
Product: Mortgage

Last year I lost my business because of divorce. A month ago I got a letter from a layer. Said the house will be actions off XXXX XXXX 2016 I call the bank asc.. well Fargo to do a short sale ..she said get a reality to call them..I dI XXXXd that same day ..the bank do n't call back. So I call the bank and said no one call the reality..to do a short sale .so that day the reality take with the an got all the paper work them that week..this week the reality call an said it to late. The paper work need it the week before fore No one tell me that and the every call that week it would been done if the bank tell me that.
Product: Vehicle loan or lease

On XX/XX/2022 I sent a cashiers check for {$31000.00} to pay off my lease to US Bank. Today is XXXX XXXX and I have not received a title, lien release or other documentation for this car that I possess and own in theory. US Bank claims the they mailed documents but can not verify this. I was told they would re-issue the lien release 2+ weeks ago, and have since received nothing. This is unfair practice and behavior for a major bank.They have proven themselves incompetent in all aspects other than cashing my check.I have no ability to sell, trade or even change the loss payee on my insurance policy. Any automobile dealer would be subject to punitive actions for such behavior. Just making a late payment on the lease would come with a stiff penalty, why are they held to no standards.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score.

XXXX XXXX, XXXX  # : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

XXXX XXXX says that we owe Steinmart which they gave us a GE Retail Bank card number that GE Bank is now XXXX XXXX. XXXX refuses to give proof of debt we had to track that ourselves. All they gave us was steinmart and card number and supposed last date paid which is XX/XX/XXXX conveniently within the 6 yrs for MI it now being XX/XX/XXXX. First they called several times threatening to take us to court. Then they called asking if they could send an email. The first email said we owed around 4000 and with taxes and interest we owed a total of 14000 but that we agreed to settle for 7000. Then they sent emails after they called and threatened us that said we agreed to settle for 4000. (  Approximate numbers ) All of those supposed settlements were lies. We never even shopped at steinmart our credit bureaus have no records and we tried GE Reail Bank/ Synchrony 4 different times even asking them if they would have GE records from 6 yrs ago. Of course they had no record of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MI XXXX phone # XXXX. Online the people say this is a scam company. We believe so too. Help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax demands FTC be filed which I did 3 times and provided to them. I contacted XXXX bank and they provided a letter as well. 

Then Ewuifax tried to state they didnt know me, so I had to submit w2,1099, a 7th copy of drivers liscence, and letter for the 4th time from XXXX Bank XXXX 

XXXX is an unauthorized inquiry. Equifax refuses to delete from my credit report and harressing me
Product: Credit card

I disputed a transaction with Discover Card and they resolved that the charge was a valid one. They do not have proof of my signature and I did not agree with the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XXXXXX/XX/XXXX
Product: Mortgage

I have been trying to close a loan since XX/XX/XXXX with Cardinal Financial. The initial rate that was locked for me was 2.25 % ( 15 year term ). We were getting close to closing and underwriting said that I had to wait until I reached 6 months with my current employer before they would approve the loan. I changed employers in XX/XX/XXXX but have been in the same industry for over 20 years with no employment gaps. Once 6 months had passed they increased the rate from 2.25 to 2.375. I was not happy with it but knew it was the current going rate. Since reapplying I have been harassed by their underwriting dept. They've called my employer at least 4 different times verifying employment. They delayed the loan for mortgage statements every month. I've completed conference calls, supplied documentation repeatedly. The last delay is for tax returns because they are so are taking so long to process that taxes became due. Rates have since increased again. I would use another lender but I will loose money over the life of the loan. I've 3 different times asked if they have everything they need and each time they say everything is complete and ask for more information within a week or two. When this started my credit rating was XXXX, & a perfect payment history on all my open accounts dating back over 15 years.
Product: Checking or savings account

On XX/XX/XXXX i tried to use my payfare atm card at a XXXX XXXX XXXX atm. The atm malfunctioned and didnt give me any money but the {$440.00} i tried to take out was still debited from my account. I filed a dispute with payfare and contacted XXXX. On XX/XX/XXXX i spoke to XXXX again and they said they recieved the dispute from payfare and that the atm had malfunctioned and they sent the money back to payfare. The money still hasnt been put back in my account yet. XXXX rarely responds to emails and only says it can take XXXX days which is unacceptable considering the other bank already returned the funds. When i call payfare to get a live update they just tell me it can take XXXX days and hang up on me with no real update
Product: Credit reporting or other personal consumer reports

Experian offers Experian Boost. The allow qualified monthly payments such as rent, insurance, streaming services, & other types of monthly bills to be connected to Experian Boost. I connected my bank account with Experian boost & they were able to download my qualified monthly bills. They require 3 consecutive monthly payments within the past 6 months. The issue is, they are only accounting for 2 months of payments ( XXXX & XXXX ). I have been making monthly payments since XXXX. I have many back & forth conversations with their member support. They requested copies of my bank statements showing these additional payments. Which I provided. One response from them was " the payment description must be exactly the same for all payments. You payment date is different '' No, XXXX the payment date is going to be different. They should know that. After a month of dealing with incompetence, requesting the copies of bank statements, & them providing the same response which doesn't address my issue. I have requested a call from a manager. Which has not happened. I resorted to filing a XXXX  complaint. Experian response was to send me a credit report. Further incompetence, which the company doesn't understand their own service. This delay is costing me time & money from improving my credit score. As of now I have a XXXX credit score due to my bankruptcy. There are many resources available to re establish credit. But, I need a credit score other than XXXX to qualify. This can be easily resolved by a phone call from Experian.