23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Noticed that my monthly payment increased by over {$40.00} ( from {$1500.00} to XXXX ) with no explanation. I called Truist and was told it went up because I have a {$520.00} escrow shortage. I informed the rep that I usually pay my escrow shortage and was willing to do so this time as well. I requested an escrow shortage letter in order to send the payment to the pertinent dept at Truist. I am yet to receive the letter. However, I paid the {$520.00} ( see attached ) escrow shortage via online banking. After paying the {$520.00}, I realized that my payment went down to {$1600.00}. I contacted Truist to find out why my payment was not back to {$1500.00} and was told " Only {$260.00} was applied to your escrow because that is your shortage. The rest of the money is just sitting in escrow-it was not applied to your escrow. You can get a refund if you want. '' I informed the rep I was told that the shortage was {$520.00} and the statement also shows {$520.00}. She proceeded to tell me " That's the mistake that customers make-thinking that their payment won't go up after paying the escrow shortage. '' So I asked her what else can cause an increase in monthly payments other than tax and insurance, and she could not answer the question. I then asked her " If I pay my escrow shortage, why is my payment going up, '' and she basically reiterated that it can still increase. I then told her to send me a bill with any other increases ( in addition to the {$520.00} that I have already paid ) in taxes and/or insurance so that I can pay it instead of increasing my monthly payment. To date, I have not received a letter detailing any additional shortage, but my payment is still at {$1600.00}. This is not the first time that Truist/Suntrust has increased my monthly payments despite the fact that my escrow shortage was paid in full. My payment was previously just over {$1500.00} before it went to {$1500.00} ( despite paying my escrow shortage in full ) without any explanation. I am mentally drained from the constant issues with Truist. It is depressing. I am tired of the back and forth.
Product: Credit reporting or other personal consumer reports

During multiple disputes I have requested the deletion of these accounts since they appear as negative accounts when these accounts are settled. paid in full accounts paid in full : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

THIS COMPANY IS REPORTING THAT I CURRENTLY HAVE A CAR LOAN WITH THEM AND A VEHICLE THAT IS PASSED DUE FOR THE LAST 5 YEARS. IVE CALLED AND VISITED THIS LOAN COMPANY TO GET THIS MAJOR INACCURACY RESOLVED BUT THEY ARE GIVING ME THE RUN AROUND WHILE STILL SEVERELY AND ILLEGALLY DAMAGING MY CREDIT. NOW NO ONE IS RETURNING MY CALLS. I DO NOT HAVE A CAR OR LOAN FROM THIS COMPANY.
Product: Credit card or prepaid card

In XXXX of 2017 Comenity Bank/Victoria put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. They told me that they will correct the issue but have failed to do so. This account still shows late pay and popped up on the two other credit bureaus and has greatly lowered my score.
Product: Debt collection

Company continues to call from various spoofed numbers from a local area code. I have asked no less than 3 times for them to discontinue contacting me, as the information they are presenting is not for an account that I recognize ( provided wrong address, wrong personal information, etc ). The information they presented to me for verification also does not match my actual information, leading me to believe they are fraudulent individuals attempting to harass me into divulging my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had a closed account with XXXX XXXX XXXX XXXX reopened XXXX and then a derrogatory remark and a missed payment was placed on my report. I sent proof that the account was closed to XXXX. I spoke with their attorney whom collects payments for the closed account after a judgement was recieved. 

the account has been closed for 2 years or better and it wasnt reopened by me nor by the creditor? Yet they reported this inaccurately and damaged my credit again. They also listed the account as a charge off and attempted to place it into collections? They are violating this law with my account ( XXXX XXXX XXXX XXXX ) Section ( 609 ) of  the Fair Credit Reporting Act is a Consumers Disclosure sectionwhich is to provide for the protection of consumers against false and erroneousreporting. ... The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. 

A 609 letter is a letter used to dispute errors or other inaccuracies off your credit report after the Debt Validation letter process has been followed XXXX XXXX XXXX. It can be used to remove collections, public records such as bankruptcies/tax liens/repos/evictions, derogatory accounts, Closed accounts, Charged Off Accounts, hard inquiries, and late payments. Removing these negative items will help to raise your credit score.

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). 

The FCRA was enacted by Congress to protect  consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation, the Credit Bureaus have NO right to list your personal financial information on your credit report. They are required by law to verify and validate every single account on your report.
Product: Credit reporting or other personal consumer reports

I need to verify this debt on my credit. I have no knowledge of this account. This account is hurting my credit report
Product: Debt collection

I noticed on my credit report that I show a charge-off account with this company when I wasn't notified. I didn't receive anything. I wasn't able of this account.
Product: Vehicle loan or lease

Account sold to third party from XXXX XXXX and now it shows incorrect information regarding balance and last payment date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I filed a CFPB complaint ( Complaint ID XXXX ) for a fraudulent collection account that was placed on my consumer reports. On XX/XX/23 the company, IC Systems responded and stated that they were sending the account back to the company and removing it from my reports. The account was removed and has subsequently been re-reported as of XX/XX/23. Furthermore, IC Systems has inflated the balance due on the account, the alleged debt is {$5.00}, IC Systems has added a {$530.00} fee to this debt in order for it to report and intentionally damage my credit as debt under {$100.00} do not affect your XXXX score. It was initially reported as {$520.00} so they have increased it even further. IC systems should be held liable for willful negligence in re-reporting a fraudulent account that they were given a police report for, for harassment and abusive collection practices. I am requesting statutory damages in the amount of {XXXX ( 15 U.S. Code 1692k ) and a deletion from all consumer reports the account was reported to. If this is not remedied ( deletion and financial damages ) within 15 days of this complaint, I will be filing suit in Delaware 's XXXX XXXX. 


Please see the attached letter and pictures of IC Systems confirmation of deletion as well as the pictures of the account re-reporting.
Product: Credit reporting or other personal consumer reports

I had a credit card with a high balance which I paid off in full and I expected that once it was paid off I should have seen a significant increase in my credit score given my balance and credit utilization would significantly decrease. I went to check my reports with all three credit bureaus and saw a XXXX point increase with XXXX, an over a XXXX point increase with XXXX, however with Experian I noticed only a XXXX point change for my most updated report ( after payment ) which I thought was odd so I looked into what changed from this report and last and what they said was it reported that I now had one less account open ( referring to this one ) and my credit limit of {$30000.00} ( equivalent to the credit limit for this specific card I paid off ) was gone. Under accounts, this account was no longer listed under credit card accounts and instead was under other accounts and all that it said was that the account was open with no status and it was opened XX/XX/year>. This is a huge huge problem as this is an account I have had open since XXXX  and always in good standing with my largest credit limit so of course this incorrect change will impact my credit score. This is a huge issue for Experian to take information and incorrectly reflect it which can have significant impact. I called XXXX XXXX ( the bank the credit card is with ) right away to ensure nothing in fact as changed, which it didnt. Unfortunately Experian customer service was closed for the day so I called them the next day ( today ). It took me over 2 hours to get ahold of an actual human because some of their phone numbers are only automated and the ones that arent you have to be able to get through to the human but most of the time the automated system will say they can not transfer you for that reason because they have only certain things they can transfer for or it will not recognize your voice or keypad entry for some reason. I spoke with 3 people and the last lady in the membership department who is a supervisor confirmed that this issue of the no status was not because I raised a dispute about this but it was present before my dispute which means it is a system issue. The first agent in the dispute department I spoke with asked me how do you want me to dispute this showing little to no understanding of the gravity of this issue nor how to proceed, if hes asking the consumer about the best approach forward. The second agent in the membership department said they will look into this but no idea how many days it will take and then said information reported to them can take 30-45 days to reflect. I understand if information can take 30-45 days to reflect, however, it is not ok to in the meantime reflect inaccurate and wholly fake information. I think under the fair credit reporting act this is a huge violation of the way their system is operating given so much in American society counts on your credit score and lenders/banks are constantly reviewing this information.
Product: Mortgage

I attempted to make payment online. Online payment system showed error message. Received email stating 7 transactions were initiated. I contacted my bank who says no payment was initiated. I attempted to call and the automated system advises that no representative can speak on issue. I would just like to make a single payment and online help center and phone do not work to resolve issue.
Product: Mortgage

My wife & I held a primary mortgage with XXXX and a HELOC with Nationstar Mortgage. We Refinanced ( which went very well ) maintaining XXXX as our primary lien holder and drawing additional funds to payoff the HELOC with Nationstar as well as draw some additional money for home improvements. We closed XXXX XXXX, 2015 and received our check very early XXXX. Upon closing, I cancelled recurring payments to our original obligation with XXXX and with Nationstar. 

On XXXX XXXX, I received an e-statement from Nationstar that reflected my balance, plus XXXX past due payment and XXXX upcoming. Given we closed over a month ago, I called and was told that they never received a payment, let alone a full payoff. My wife & I were shocked! We double-checked all the closing papers from the Refi, and the payoff amount was included. I called XXXX, who spent a great deal of time researching what happened, and they were able to provide me with the XXXX tracking number for the check cut to Nationstar. They were even able to confirm that the package was signed for at the Nationstar facility on XXXX XXXX and the check was later cashed on XXXX XXXX. 

I filed an online inquiry with Nationstar for tracking purposes after their call center proved incompetent at assisting me. In the online inquiry I provided them : 1 ) a snapshot of the closing papers that referenced the payoff amount, 2 ) the XXXX tracking number, and 3 ) the image of the payoff check ( which I had to obtain from the title company ). 

On XXXX XXXX when I recognized the payment had not been processed and my initial phone call to Nationstar my online statement read that I owed {$140.00} as " past due, '' and the following day, after making them aware of their oversight, they raised my amount past due to {$290.00}. 

Today is XXXX XXXX, 2015. I sent Nationstar the image of the payoff check XXXX XXXX, and my account has still not been credited. Keep in mind, they signed for & cashed this check over a month ago. And now the are piling on late fees & charges for an account that should be paid off completely. 

My attempts to work with them to properly credit my account are leading me nowhere and I feel my wife & I may end up either owing more as part of our attempt to better our financial situation through our Refi, or needing to spend a huge sum of money for legal help on a simple matter of taking and applying a payment. Can you please help us!!! 

XXXX XXXX
Product: Debt collection

In early XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, a debt collector, seeking to collect a debt from a PayPal account they claimed to be mine. The debt amount was significant ( {$60000.00} ). I have not made any significant PayPal transactions in years, so I first verified that there was no corresponding fraudulent activity on my PayPal account. I keep my credit reports frozen but still checked to see if any accounts had been opened with my information recently, but there have not been. I then returned the letter indicating that I wanted to dispute the debt because it's not mine, and asked them to send me the name and address of the original creditor. Then, XXXX XXXX responded with a letter dated XX/XX/XXXX, claiming to include documentation about my account. The letter enclosed a document from PayPal , Inc. showing an account with my name, created on XX/XX/XXXX, but with an email address that I do not recognize or own. The disputed transactions involved another email address that I do not recognize, but have no additional explanatory information. I need guidance on whether I need to pursue a criminal fraud claim.
Product: Credit reporting or other personal consumer reports

XXXX accordance with the fair credit reporting act # numbers XXXX XXXX  have violated my rights. 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 states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

THE ACCOUNT FOR XXXX XXXX WAS FOR {$1900.00}. IT WAS SUPPOSED TO BE PAID FOR IN XX/XX/XXXX. I had payment taken out of savings account. because I knew when the account should have been paid in full I did not check my account. When I checked the account, it was discovered that America first continued to take money out in a total of {$4400.00} for a bill only owed for {$1900.00} Their phone number is ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is showing inaccurate reporting information on my credit report. they state that iam 60 days and or 2 payments late in my three credit reports, Equifax XXXX and XXXX accounts. This is incorrect. I have spoken to a representative XXXX XXXX who has stated that this issue was going to investigated and resolved. However The credit bureaus are reporting inaccurate information. My payments where kept in a suspense account and and not applied to my Morgage payment which is not correct and illegal. Secondly I had covid and was off of work and asked several times for help with this matter and no agents or supervisors helped me come with resolution. Third issue I inquired to get assistance with this matter and was told because I sent any email to the XXXX XXXX XXXX XXXX XXXX email the representatives on the phone could not assist me. L if the payments were delayed why wasn't i offered a Covid program to help me or why wasn't I called to warn me about these lateness. I want these questions answered XXXX XXXX XXXX  failed me and caused me Financial Hard ship and Pain and each agent and representative should be held accountable, with these inaccurate actions. when you are reading this " Place yourself in my shoes ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting 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 violated my rights 15 U.S.C 1681 Section 602 A I have the right to privacy 15 U.S.C 1681 Section 604 A 2 It al so states a consumer reporting agency can not furnish an account without written instruction
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX5 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Account Number : [ XXXX ] The late payment in question is reported by [ EQUIFAX ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section XXXX XXXX XXXX XXXX XXXX XXXX XXXX which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history. 
Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXXXXXX XXXX XXXX, furnishers of information must report accurate details. The late payment reported does not reflect my true payment Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I 've reported ID Theft to Equifax for over the pass 3 years and nothing seem to get done about it. I have sent Equifax over XXXX different police reports along with my FTC Identity Theft Complaint And Affidavit they always come back account was verified. The last time I submitted a compliant to CFPD Equifax told CFPD they could n't find a credit report on me, and ask me to submit the same stuff I been submitting for over 3 years and I did that and once again nothing was done about it, I also ask for them to provide me the name, address, phone number and the person name who they talked to so I can talk to them myself it was they did n't.
Product: Vehicle loan or lease

I entered into a contract for a 36 month lease through Nissan Motor Acceptance Corporation in XX/XX/XXXX for which I have monthly payments set up through my bank auto-pay feature. On XX/XX/XXXX I logged into my NMAC account to find the payment for next month had increased by {$3.00}. When I called NMAC to inquire about the increase, the representative advised that there were 9 counties in Florida that increased sales tax this year. She went on to mention that my county, XXXX XXXX, increased from 0 % to .05 % which increased my lease payment. I asked the representative whether NMAC contacted me to notify me of the payment adjustment and her response was, " No, this was something that was voted on in your county & not Nissan 's responsibility to communicate. '' This is completely unacceptable. Had I not checked the XXXX site on my own accord & because I have auto-pay enabled for this lease I would not have known about this payment increase.
Product: Debt collection

Repeated telephone calls from Transworld regarding an alleged medical debt that I never had notice if and told them did not think it was mine. When they asked for personal information, I told them that I was concerned the call was a scam. The woman said she would note that I refused to provide information. They would not verify any details about the debt even after I provided them with my full name