23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sent in final payment for my mortgage on XX/XX/XXXX. 

Your payment in the amount of {$15000.00} was received and applied to your loan on XX/XX/2022 for the following property : Loan # : XXXX XXXX XXXX XXXX XXXX It was misapplied, so they had to correct it. Even though I paid in full, they then said I owe {$180.00} to close it out, though it should have been only {$.00} per day that it was late. So I sent in payment for {$190.00} to just close it out and they returned my check because it wasn't certified or wired in. 

A few days later I received a letter that I owe for Insurance lapse from XX/XX/XXXX XX/XX/2022 in the amount of {$2800.00} for the two months lapse. My insurance for an entire year is around {$2700.00}. So now I owe this and despite basically not having a mortage at all or less than {$200.00} based on their error, I now over XXXX XXXXXXXX. I dispute this and try to resolve it and get hit with a late charge and another {$30.00} recording fee and they say I owe {$3100.00}, which I am sending out today as this has cause me a lot of grief and lost sleep over all these charges on a loan that should have been paid off on XX/XX/XXXX and I just don't see how I pay for insurance on a period that has already passed. 

I saw this article in your news room : https : 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 I believe that I have been a victim of over inflated 3rd party charges and hoping you can resolve this. It seems unfair to get hit with this charge after my loan should have been paid off and for a period that passed and at such an inflated rate.
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. 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 XXXXXXXX has violated my rights.15 U.S.C 1681 section 602 A.States I have the rights 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 then seven years.15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not finish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX  XXXX on SSDI due to catching XXXX in XXXX that destroyed my credit with medical bills. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX working with XXXX manufacturers. Sue to wide spread XXXX in my body the State of Massachusetts hid the XXXX illness and I was assigned a Lawyer that was promoted to Judge. I was passed on to a corrupt lawyer that never brought my case to trial. She was disbarred for stealing funds from clients funds. Since my Bankruptcy in XXXX of XXXX I have paid all my bill on time 100 % of the time. XXXX had defamed me by reporting inaccurate information and rejection of an application XXXX and reporting inaccurate credit score of XXXX. They also used statements that are untrue to date. Currently my TransUnion report is inaccurate. I need to file suit to clear my name. My current credit score is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter via Certified Mail to : Innovis XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX in order to dispute several incorrect entries on my credit report. No response has been received.
Product: Credit reporting or other personal consumer reports

It has come to my attention that XXXX, XXXX, and Equifax have failed to address inaccuracies on my credit report, despite my repeated dispute attempts. The incorrect information continues to be reported, which has negatively impacted my credit profile. 

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) Outdated information is being reported on my credit file beyond the legally permitted time frame, which should have been excluded.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus have not conducted a reasonable re-investigation of my disputes or provided sufficient evidence to validate the accuracy of the reported items.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have failed to ensure that the information on my credit report is accurate and complete, resulting in continued errors even after my disputes.

I urge the CFPB to investigate this matter and enforce compliance with the FCRA to ensure the inaccuracies are corrected and these violations are addressed.
Product: Debt collection

On XX/XX/XXXX I received a notice from XXXX XXXX XXXX leasing office in XXXX, TN that I owed {$1800.00} in back rent. I immediately called the leasing office to ask how is it that I owe back rent when I have paid my rent on time and full for the past three years. The person who answered the phone hung up on me. On XX/XX/XXXX I was delivered a Detainer Warrant to appear in court on XX/XX/XXXX, at XXXX : am in General Sessions court. I continued to pay rent. I paid XXXX rent on time. 
I went to court on XX/XX/XXXX at XXXXXXXX XXXX. and waited for docket # XXXX to be called. That docket number was never called and I didnt see anyone from XXXX XXXX XXXX I recognized. The docket # was never called, but instead rescheduled for XX/XX/XXXX at XXXXXXXX XXXX I called the General Sessions Court and spoke with court clerk and she told me that the case was a continuance and rescheduled for XX/XX/XXXX at XXXX XXXX  I went to court and my case still wasnt heard. 
I went to the leasing office XX/XX/XXXX, to pay rent and the office manager told they were no longer taking rent from me. She didnt tell why. I told her I had already paid XXXX rent. She told me that she knew and it was in their attorneys office. The case wasnt being heard and I contacted XXXX XXXX office via email and let them know I would be moving out in XXXX. I had been to court many times and my case hadnt been heard. In XXXX In went to General Sessions Court and received a print out of a document that a writ had filed on XX/XX/XXXX for eviction. The document had the initials XXXX, the wasnt me initial of my first but my daughters first name, but she didnt live in Tennessee or has never been to Tennessee XXXX I never mentioned my daughter to the leasing office or anyone else in the building. 
Before moving I made every attempt to share the documents I had with the leasing office and corporate office located in XXXX, TN to show that my rent was paid on time every month and in full. They never bothered to respond. 
Before moving out on XX/XX/XXXX I made sure was clean and livable. I handed in the apartment key to the office manager, the key fob, and mailbox key. I offered to pay for the months from XXXX to XXXX which would have been {$3000.00} with a down payment of {$860.00} with a notarized statement. They refused. There was a court date scheduled for XX/XX/XXXX and I returned to XXXX hoping this case would be finally resolved. This was my 10th court appearance. A collection agency in XXXX, Georgia National Credit Systems case # XXXX has a reported amount of {$4900.00} from XXXX XXXX XXXX XXXX. 
I been to court a total of 10 times. 
XXXX XXXX XXXX XXXX.
Product: Mortgage

In XXXX of 2019 I was in a hospital for the entire month with complications stemming from my parathyroid XXXX. I am not married nor do I have a significant other so I paid my bills a bit late that month. More specifically, my mortgage with Freedom Mortgage is due on the XXXX of every month but in XXXX of 2019 I paid it on XX/XX/XXXX at XXXX p.m. because of being hospitalized. I have a computer generated receipt with the Freedom Mortgage letterhead on top of it, stating the date, the time and the seconds of the payment. Even though my payment was made on XX/XX/XXXX, well before being 30 days past due, this pathetic company reported me as being 30 days past due to all three major credit bureaus. I talked to them as well as the credit bureaus and even forwarded the receipt from Freedom Mortgage website that clearly stated what time and date my payment was made but Freedom mortgage would not remove the negative payment history from the credit bureaus. This egregious act has caused my credit score to plummet almost 100 points as well as prevent me from doing a 100 % VA XXXX out loan on my home in order to help my XXXX sons, of which I am a single father, pay for their college. I am a XXXXyear-old retired XXXX veteran that XXXX XXXX XXXX and hand in a XXXX  XXXX in XXXX from an XXXX  XXXX and this is the first time in my life that I have ever had a negative remark put on any of my credit reports. I am pleading with someone to give me the help that I deserve. I recognize the payment was not made on the first of the month as is the language in the contract but the payment was not 30 days past due and I have proof stating exactly that! Thank you for whatever help you may be able to give me. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX .... Balance : {$6600.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXXXXXX .... Balance : - THE XXXX XXXX XXXX XXXX XXXX XXXX  Balance : -
Product: Credit card or prepaid card

This is a bit of a long story, but I will explain best. All the detailed information ( dates and notes ) can be attained through the itinerary number in the attached email. 

I have a Chase Sapphire reserve card, where I pay the premium fee for certain benefits. One of them is their travel insurance and travel booking features and points. I booked a flight via chase travel on XXXX XXXX to XXXX that cost about {$10000.00} for 2 business class round trip flights back on XX/XX/XXXX. The Covid lockdowns and restrictions at this time have not started. My wife the day prior to the flight fell XXXX  with XXXX and was absolutely not able to travel. I obviously had to cancel the trip and was promised that the travel insurance would cover this. I submitted all the medical documents and the travel insurance associated with Chase travel rewards, accepted the documents. After some time, as it was delayed, I was told that while the documentation was accepted, the refund would be issued as a travel credit to XXXX XXXX due to XXXX XXXX travel policy. After about 4 months of fighting this and spending hrs on the phone, it was clear I was cheated out as using XXXX XXXX travel credit was not going to happen. The insurance company clearly did not want to pay, so they sent the bourdon to XXXX XXXX to pay. Needless to say, I received an email finally on XXXX, XXXX stating that my refund will be processed and it will take 2 billing cycles to process. I've called many times during that period and most of the calls it seems that they will not process, even though it is in writing that it was approved. It is now almost XXXX, XXXX! I did speak to one friendly leady who did say she will take care of it and get it to process, but nothing after, and when I called to check the status, they said no refund is set to process. It is clear they want to keep my money, place blame on other departments and not pay. This process has been a year and a half battle of talking to them, reaching out to various legislatures, media, and so on that lead to no where. I have also incurred quite large bill of interest payments I've had to make on that {$10000.00}. 

Thank you and Please Help!!
Product: Credit card

I received an email this morning from chime saying that I had signed up for a credit card that I had not signed up for. I tried to call the company but it was a phone tree and they said I had to download the app to get support. I do not feel safe doing that.
Product: Checking or savings account

In 2015 I was informed by the staff at XXXX XXXX  that they offered a program that would build credit for people like myself with bad credit. In order to get this service I would make monthly payments into a Certificate of Deposit that they would report every month. I was told that this was a loan from XXXX XXXX  and not a savings account. To access these features I had to open a checking account with XXXX XXXX  to transfer payments. 

So I opened the account as directed by XXXX XXXX. After months of making payments into this account I discovered that no loan had actually been given to me by XXXX XXXX. The money that I was giving the bank went into no minimum Certificate of Deposit and the company was reporting the balance of my personal savings account. Which is a major violation of my right to privacy. Banks are not allowed to report the daily balance of a persons personal savings. Loans yes, but they did not give me a loan they only opened a Certificate of Deposit. I immediately asked XXXX XXXX  to close this account and all accounts associated with it. 

XXXX XXXX  then closed the Certificate of Deposit but Continued to report to all Credit Bureaus that a loan was given. No such loan was ever given. I have made several attempts to report this lie to all the major credit agencies. Each time I have reported this to them it is ignored by XXXX XXXX  which is now First Citizens Trust. 

In addition to reporting a loan that was never given XXXX XXXX, they never closed the Checking account that was linked to the Certificate of Deposit. Because they never closed the account. They continued to charge me monthly fees and overdraft. I have tried several times to rectify this with them and each time they have ignored me and violated my rights. Not only did they lie to me about giving me a loan they have also sold a false debt to multiple creditors. 

Since XXXX XXXX  has closed 5 separate collection agencies have contacted me stating that they own a debt from XXXX XXXX. When I try to explain what happened each time they ignore me and each time they all claim ownership of this false debt.
Product: Debt collection

Company has never contacted consumer/taxpayer estate of any attempt to collect a debt prior to reporting a bogus address and negative information on my credit reports. Company has never had any legally binding affiliation with TAXPAYER OR COPYWRITTEN TAXPAYER INFORMATION. Company is engaging in an extortionate extension of credit in an elaborate intentional interstate commerce scheme with XXXX XXXX and XXXXXXXX XXXX violating Foreign Agent Registrations Act and violating international Uniform Commercial Code and IRS withholding agent Code of Federal Regulations. AMSHER reported a generic address as they have no direct information from this consumer/taxpayer or record of account. AMSHER IS IN UNLAWFUL POSSESSION AND IS FURNISHING INACCURATE PERSONAL IDENTIFYING INFORMATION. AMSHER failed to provide any documentation to the estate of this consumer/taxpayer evidencing that AMSHER will now be the newest party to the federal civil suit with XXXX XXXX for XXXX XXXX and extortionate extensions of credit in the XXXX XXXX of Florida. AMSHER is attempting to communicate with a consumer/taxpayer regarding a debt without holding any lawful right to do so. AMSHER is harming consumer by reporting inaccurate adverse information to which it has no legal authority to do so. There has never been an established obligation between alleged creditor and the consumer/taxpayer as XXXX has failed for the past 12 months to respond to the request for documentation. T-Mobile appears to be defrauding AMSHER by submitting omitted and inaccurate information regarding their lawful relationship to this consumer. This alleged debt reported by AMSHER will never be lawfully collectable by any entity without a contract to collect from the U.S. Treasury.
Product: Vehicle loan or lease

Enterprise rent a car in XXXX PA employees discriminated against me and my mother for having Spanish names, refusing to take payment for a car rental, even legal tender as dollars in cash. Threatened my mother with reporting the car I had just returned stolen for not paying the bill they refused to take payment for. This happened today XX/XX/18. I have video evidence of the returned vehicles perfect state. We immediately called XXXX police non emergency number and spoke with officer XXXX, as they threatened to report the car I just returned stolen, and I spoke with enterprise corporate who assured me they would look into this. I also tried contacting the through social media but received no response. And now I wait for them not to do anything and allow racists to keep working for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am shocked and upset about the erroneous things I have seen in my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. 

I contacted the XXXX, XXXX and transunion on XX/XX/XXXX regarding these inaccurate accounts. They have been no help to me.
Product: Debt collection

In XX/XX/2018 i received a court paper-A SUMMONS from XXXX XXXX XXXX by way of Forster & Garbus LLP ATTY FOR PLTF. Stating i owe {$2200.00} for a pass debt. I do not even know this XXXX XXXX company so there for i do not believe i owe them any money have never spoken to anyone at that company have no contract with that company and would like for XXXX XXXX as well as Foster & Garbus to stop sending me courts papers, summons, collection paper. All mail to cease. 

Thank You
Product: Credit reporting or other personal consumer reports

XXXX XXXX is selling deceptive information to TransUnion and XXXX. This allege debt has not been properly validated as belonging to me and I have received no notice of my right to dispute this debt before it was added to my consumer report. Under FCRA each reporting agency is required to report 100 % accuracy how was this debt account verified when there is not court judgement that makes me liable for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatoiy items on my credit histoiy. I then decided to pull my credit and I noticed several unknown items. 08 XXXX XXXX XXXX XXXX XXXX 10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. 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 NA XXXX { XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Please remove these fraudulent accounts from my report. Thank you.
Product: Debt collection

Accurate Collection Services XXXX XXXX XXXX XXXX Services : XX/XX/XXXX, XXXX XX/XX/2020 Patient : XXXX XXXX Account XXXX XXXX Amount : {$2800.00} The hospital has accepted our monthly payment {$50.00} for 4 months and now I get a Threatening letter from their Collection Agency above . 
I have no assets or extra money, I am unemployed plus the pandemic, First they agreed and now they are in a rush, I have a number of Creditors after me for the same visit to the hospital & same date, as all that enter the room to say hello now is sending a bill for over {$1000.00} I am struggling not to get evicted and these people hit you at your weakest time & place of despair.
Product: Mortgage

We purchased our home in  XXXX  2005 using an 80/20 loan. We have been struggling to make the payments for many years due to several reasons including the   XXXX   XXXX   of our son and income earner injury causing loss of income. We met with a bankruptcy attorney several years ago who advised us that the 20 % lien holder ( loan servicer : Ocwen Loan Servicing, LLC ) would not be able to foreclose on the property, but could place a lien on the property making it so we could not sell the property before they were paid. Under the advice of the attorney we sought to work out a loan modification with both   XXXX   XXXX   and   XXXX   XXXX   XXXX   ( 80 % lien holder ) with the intention of working with the Ocwen once that was resolved. We have persistently applied and reapplied for a loan modification numerous times with the   XXXX   and   XXXX   XXXX   XXXX   and finally were successful.
It seems to be that it may be a legal foreclosure, however, the concern is that the  XXXX  service providers ( Ocwen Loan Servicing, LLC and   XXXX   XXXX   XXXX   ), and involved banks (   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX   ) may have a relationship in which they are working together to obtain properties by foreclosing on the 2nd lien. The first lien holder must be paid first, therefore, if the 2nd lien holder forecloses they must turn over any amount recovered during the foreclosure sale to the first lien holder to satisfy the first lien. The only way the 2nd lien holder would acquire payment is if the house sold for the amount of both loans. However, in this case, the property was sold for {$19000.00} ( less than 10 % of the county valuation ). There is {$80000.00} outstanding principal on the 1st lien holder 's portion. In addition, the 1st lien holder 's attorney was contacted regarding the foreclosure and asked what affiliations they had with different banks. They refused to disclose their affiliations and the attorney refused to identify themselves when asked.