23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my mortgage payments on autopay from my XXXX  XXXX XXXX checking account to the XXXX  XXXX  XXXX  account ; {$900.00} was sent over every month automatically. 

I had an increase in my escrow that would take effect in XXXX ( property tax increase & slight insurance increase ) so my monthly payment was supposed to go up a few dollars per month to $ XXXX {$910.00}. 

XXXX XXXX  sent me a {$220.00} check at the end of XXXX from before the increase happened because I switched insurance companies. So, knowing that this new increase would happen anyway, I just lre-deposited the {$220.00} so that over 12 months I would still be ok and covered by my regularly scheduled payment of {$900.00}. 

Well, XXXX  XXXX  received the {$220.00} from me on XX/XX/XXXX along with the regular payment of {$900.00} on XX/XX/XXXX that I sent every single month on autopay BUT decided not make the mortgage payment for XX/XX/2020 because according to them " I was short $ XXXX {$10.00}. '' When I deposited the {$220.00} escrow check they sent me on XX/XX/XXXX, I thought they would automatically take that same {$220.00} escrow check and make the adjustment in the escrow account to even out my mortgage payments to what I had them as. 

When I called to clear things up in XXXX, a month later ( when they threatened to foreclose via a letter in the mail ), they said that I had needed to call in and specifically tell them where to designate the {$220.00} ( even though it was an escrow check and said that on the check ) and that it was just sitting there on their end. Both the {$900.00} that I sent in autopay and the {$220.00} were sitting there but they didn't want to make a payment because they " didn't know where the money should go. '' It never occurred to them that any money I send them is to make a mortgage payment- that is the onky reason why I would send them my money. 

Once on the phone with them, we immediately made the adjustment, they pulled the payment from the money that was " sitting in my account '' and everything was fixed " my payments were all caught up. '' But that issue I had with them really hurt my credit. I felt like that was a glitch on their end but they didn't care and didn't make any effort to clear it. They said my credit would just recover on its own in a while. 

I ended up switching mortgage companies to XXXX XXXX XXXX  because of this negative experience. But when I switched, this dark stain on my credit report caused me to get a higher interest rate. I attached a screenshot taken on XX/XX/2020 where it shows that the regularly scheduled payment arrived to them ( on time ) on XX/XX/XXXX and the extra {$220.00} was deposited to them on XX/XX/XXXX that was supposed to cover the escrow increase. All that money was in my account and available to make XXXX 's XXXX Mortgage Payment. 

Please let me know if you need further clarification. My hope is that I will have this " late payment '' cleared from my credit report because I feel like I was not at fault. 

Thank you, XXXX
Product: Debt collection

This company has been calling my phone for XXXX XXXX, my name is XXXX XXXX. I have an XXXX XXXX XXXX whom I do not communicate with. I have received calls on my phone at XXXX am, XXXX pm and have tried to reach them back to STOP the calls. This morning my phone rang again at XXXX am, it was them again. I had blocked a previous number and they used a no caller ID number. I asked the person where or how they got my number, they refused to answer the question. I am not XXXX XXXX, they asked numerous times to leave messages, it is becoming a harassment situation. These people are out of control. They have now promised to stop calling me, but I do not believe them. I asked for a supervisor and he also refused to give me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

certegy keeps declining my checks I have written to XXXX. 
XX/XX/XXXX for {$120.00} XX/XX/XXXX for {$21.00} XX/XX/XXXX for {$130.00} XX/XX/XXXX for {$86.00} XX/XX/XXXX for {$33.00} XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XXXX for XXXX XX/XX/XXXX for XXXX Used my debit card after they declined my check. 
XXXX and I have contacted Certegy but not getting any results They sent me a consumer file disclosure report prepared on XXXX that really didn't tell me why they declined them.
Product: Mortgage

my house was set for a deed in lieu. The mortgage company asked the judge to cancel the foreclosure but the motion was denied. The house was foreclosed on. I cooperated fully with XXXX XXXX and vacated the home as agreed. 
I recently got a letter in the mail from Dyck-'Oneal Inc. stating that they were assigned this debt from XXXX XXXX and that I owed {$44000.00}. They reported to XXXX and XXXX already. I was never given any details on this amount other than them listing XXXX XXXX as the original creditor, no account number was listed. I have not had a XXXX mortgage for over 10 years. I have sent them a request for validation according to the Fair Credit Reporting Act. It is a violation for them to automatically place this item on my credit report without any documentation or proof. These are the items I am requesting : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Identify the original creditor and loan number Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legally entitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees. ) Copy of the original signed loan agreement. ( My contract with the original creditor establishing the debt between us. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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

On XXXX XXXX, 2013 I purchased property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, herein referred to as " Property ''. I provided lawful funds to pay for purchase, recorded deed and payed Transfer Taxes to the county. Approximately 2 weeks after recordation of ownership, I received a letter sent to the " Property '' addressed to my husband " XXXX XXXX XXXX '' the recorded owner. Within the letter was a " Notice of Default '' claiming the previous homeowners had defaulted on the mortgage previously held on the " Property ''. The notice stated the holders of Mortgage Debt was " XXXX XXXX and XXXX XXXX ''. The Trustee was listed as First American XXXX, herein referred to as " FATSS ''. I contacted the number listed on the notice and was asked to proved proof of ownership by scanning a copy of my deed and emailing it to them. I did and received an email back from a woman claiming to be a manager named " XXXX XXXX '' herein referred to as " XXXX ''. XXXX explain how she felt I purchased my home " subject to '' the mortgage held on the property. She further claimed I could pay them. After months of back and forth, and obtaining a restraining order barring the sale of the property, FATSS sold the property at auction to " XXXX '' who they purported was the lender. Within the documents provided as authority to sell, there is fraud by deceit ; robo-signers signing as employees of a company they are neither employeed at nor paid. Any mortgage seeking to record XXXX XXXX as either Benificiary or Nominee will have fraud by deceit, forgery and robosigning by virtue of design. XXXX XXXX has no employees to assign or sign for assignments. Any assignment claiming to be XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX or MERS ( XXXX ) is fraudulent on its own. Any Servicer, Trustee, Benificiary, Lender or Mortgagee seeking to use a document signed by an employee of either XXXX is acting in connection with fraud and Criminal Organization. 

I have attached XXXX slideshows. I can print them for better viewing and mail them if necessary. 
How XXXX XXXX is a XXXX and will always contain fraud XXXXForeclosure documents with pointers showing fraudXXXX 
XXXX
Product: Credit card

USAA Credit card services has caused great concern to me, which is the reason for my choice to close a credit card account with them. USAA called my home 3 to 4 times a day starting on XXXX XXXX 2015 In a robot form because my payment was past due the first time it has since the account was created 2 years ago. efforts to resolve this matter with the XXXX to get my name put on a do not call list was n't successful. I called back XXXX XXXX from USAA after he left a message to talk to me about the complaint to the XXXX and he has refused to this point to call me back.
Product: Debt collection

I contacted the debt collector and told them I had no knowledge of this debt trying to be collected. I never knew I even had a debt until checking my XXXX XXXX. I was told that they sent notice to an address that I was no longer living in. I asked for a statement to be sent to my new address and never have received it.
Product: Prepaid card

We received a " virtual '' prepaid Citi Visa card containing {$250.00} XX/XX/XXXX. When we tried to use it XX/XX/XXXX we found that it expired XX/XX/XXXX. I subsequently learned that the federal CARD act requires prepaid Visa cards to not expire in less than 5 years. I contacted Citi, but they refuse to extend the expiration date. I have uploaded a file containing an email I sent to Citi requesting the extension, and their reply in which they claim their card is exempt from the legislation.
Product: Vehicle loan or lease

The Truck from American Credit Acceptance was repoed, but in there system it says they dont have the truck .Then on my credit it says repoed and a balance of XXXX.If I don't have the vehicle because they took it, then how did they come to a balance of XXXX?
Product: Mortgage

Truist failed to withdraw payments as set up and has not reported to the credit bureaus accurately. Truist continues to misrepresent the problem. I would not be complaining about this over and over on this matter if Truist would finally take responsibility. Even if what their research shows is correct it is still being reported incorrectly. Truist is responsible for correctly reporting what happened to the Credit Bureaus and have not done so accurately. 

My Dad was XXXX of XXXX during all this ... the last thing I want to be doing is dealing with Truist and the information that is not being reported correctly. Truist can remove or report the information correctly or I will continue to complain. 

What Truist is doing is wrong. When is somebody going to take action on this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I settled and closed a credit card with XXXX XXXX   that had a high balance of {$1600.00}. Subsequent to accepting a settlement offer XXXX has been and continues to report a high balance of {$13000.00}. Obviously since this is 12 times the original high balance it is a HUGE negative on my credit reports with all 3 companies ( XXXX, XXXX  & Equifax ). I have disputed this many times, sent in copy of the last statement and called to no avail. HELP!! it is just wrong that XXXX is doing this and need your kind assistance to get it corrected. 

Am attaching a copy of the last XXXX statement upon which a settlement was negotiated and also a copy of XXXX dispute results from XX/XX/XXXX.
Product: Student loan

My personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharde my student loan debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights, 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 my 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 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!

15 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 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I requested debt validation never received any information. 
The original debt was with Regional finance. Debt was sold to XXXX XXXX XXXX acct # XXXX I dispute this debt regional finance ok Wrote this debt off as a loss for tax purposes & reported to the IRS as canceled debt. This debt is no longer valid. Please refer to internal revenue code IRC section 6050p & fair credit reporting act FCRA section 611 which supports my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not notified nor updated of my investigation results
Product: Credit card or prepaid card

I made two payments online drafted from my checking account for XXXX one XX/XX/23 and one XX/XX/23 each, a total of XXXX completely paying off my card. My card following the first payment was declined. The payment was not reflected so I made another payment needing to use the card out of town. I show one payment drafted XX/XX/23 and another payment drafted from my account XX/XX/23. Over the next week my card kept getting declined even though the limit was XXXX and it showed a balance of XXXX. I called customer service XX/XX/23 to ask why my card keeps getting declined when they had XXXX from my account. I was told the payment was " on hold '' conveniently payment is due XX/XX/23 and I will be charged 28.15 % in interest because the company refuses to credit my account after they have had the funds for a week. When I called I was told there was nothing they could do they were holding my account so I can not use my credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

child support showed up on my credit report. This was incorrect in the first place because I was on XXXX from XX/XX/XXXX-XX/XX/XXXX so they were not legally able to even go after me for child support at the time. 
Anyway. Eventually they closed the case as paid because they couldn't go after me in the first place, I was never subject to the debt. 
Not only should this not be on my report in the first place, but now it is really really old and still shows. 
it is on XXXX, XXXX ( though XXXX says its from XX/XX/XXXX when I wasn't even born yet. ) and XXXX. 
It is just showing under " closed accounts '' but it reflects badly as it shows I wasn't paying and its very clear what it is for which reflects badly on me personally as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I have a XXXXXXXX XXXX XXXX According to the credit bureaus, there has been a credit score decrease of XXXX points in XXXX due to me exceeding the credit limit of {$50.00}. After reviewing my credit reports, I realized that the {$50.00} balance from XXXX is reporting instead of the balance for XXXX. According to XXXX 's terms, I'm required to add money to the account to set the spending for the month. The spent amount is locked as the secured funds in the XXXX account, which then can be used to repay the statement balance automatically with XXXX at the end of the month. I have not been provided with a statement for XXXX, but I do have screenshots of the transactions from the account. I deposited almost {$1000.00} into the account in XXXX. I've had the account for more than 6 months and I have only been provided 3 statements excluding the statement for XXXX. Also, XXXX does not have live agents for emergencies. Customers are required to chat with a live agent. This is an inconvenience when credit card companies have to contact a representative to verify transactions.
Product: Student loan

I have been place under XXXX XXXX without my consent. 

My loans were originally under XXXX. I made payments to them starting in XX/XX/XXXX when my 6 month deferment period after graduation had ended. I enrolled in the Income Based Repayment Plan and made payments of {$130.00} monthly. 

I then had my loans transferred to XXXX XXXX from XXXX  because I enrolled in the XXXX XXXX XXXX XXXX program. I was eligible through my employment at the XXXX XXXX  XXXX starting in XX/XX/XXXX. 

I faced problems initially when my loans were transferred because they lost my XX/XX/XXXX payment and did not recover it till XX/XX/XXXX. But this was only the beginning and is not the main issue I am concerned about. 

I made payments of {$130.00} every month on time until XX/XX/XXXX when my account was put into XXXX XXXX without my consent. I qualified for deferment when I was accepted for my masters at the XXXX XXXX XXXX. However, in NO way did I want my loans put into deferment as my interest would begin to capitalize. I am also capable of making the payments. So why would XXXX XXXX put me into deferment with no authorization or reason to believe I could not make my payment? 

I have no idea and it seems neither did the agent at XXXX XXXX I called. She said this has been happening a lot and that it should not be without an application for XXXX XXXX. She said they will send me an application in 7-10 days to get out of deferment ... Of course during this time my interest is capitalizing. 

I am very concerned about this as it seems this is a VERY common issue with this loan servicer. Please contact me as soon as you can, I would be happy to speak more about this. I know XXXX is currently undergoing an investigation over this same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all the Credit Bureaus/Agencies ( Experian and XXXX ) and the Creditors ( XXXX, XXXX Auto, XXXX, US Dept ED, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

When periodically reviewing my credit report, I noticed an account is still open with a balance that should be closed and have a XXXX balance. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX Account number XXXX Reports a XXXX dollar balance and should report a XXXX balance and be closed