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

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history with XXXX 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 in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 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 Never Sent the periodic statement along with the disclosures from section 1

637 ( 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a claim against Citi Bank Credit Cards. I have an XXXX XXXX AAdvantage credit card with Citi Bank. In XXXX of 2019 they reported my account was late on payments. However, I have never missed a payment on this card or any other of my credit cards. I always pay on-time. When I realized the payment was showing late on my credit report, I called in XXXX to see if they could remove the late payment. They said that there was nothing they can do once it's already reported. I called back yesterday and they also repeated the same thing, that once it is reported there is nothing they can do. 

I have 10 credit cards and NONE of my credit cards have EVER been paid late. All of my other credit cards were paid on time in XXXX of 2019 and this one mysteriously wasn't. I am in the process of home-buying and this late payment is seriously impacting my credit score. I would love assistance in trying to get Citi Bank to remove the late payment from my account. 

Thank you kindly!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts on XXXX, XXXX and Equifax ( my consumer reports ), they have violated my rights 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions As well as the Truth in Lending act, I was never made aware of my right of recession from any loan or credit card I took out, which automatically makes the contract null and void.
Product: Debt collection

I had canceled XXXX XXXX and send there equipment back and it was advised that I did not owed anything. I canceled XX/XX/2023 and sent equipment the following month. No communication of a balance so, it is unfair to place on credit report.
Product: Mortgage

I have tried diligently to contact Arvest Central Mortgage to request the complete loss mitigation evaluation process and Im never able to get through to a representative. Im just placed on hold and forgotten about. Im a XXXX XXXX citizen, and have documented these interactions. Furthermore, the company is moving forward with the foreclosure process despite the CFPB rule regarding the pause on foreclosures as a result of the pandemic until XX/XX/2022.
Product: Debt collection

Various phone call from Credit Counsel have been received in the last month, on the XX/XX/XXXX a person named XXXX XXXX called me from XXXX requesting a payment from a services I do not recal or recognize company. He threat me on be sue and use abusive language. I do have prove of this in a written email. on XX/XX/XXXX I have received a letter that even its say Its not a threat when I call the company I again receive abusive language and threat from this person, I Requested to be transfer to the person that sign the letter but he refuse and again threat me to be sue.I did write a letter to explain to XXXX XXXX Division Manager but not answer
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/202XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below which persists on my credit report despite your previous investigatio I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information with so that I may follow up accordingly. please send me an updated copy of my credit report after completing your investigation. 
account name : XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has threatened a lawsuit for an alleged debt passed the statute of limitations, for the second time. The first time was a garnishment of an account I did not have. Now they want payment withing 14 days or they will file a lawsuit.
Product: Credit reporting or other personal consumer reports

This account was a charge off. last payment was XXXX went into charge off in XXXX XXXX since then, the account has been repeatedly updated as charge off ever month. for 49 months. When it should only have been once. this is a update to payment history. a charge off account should not include active payment history. the inaccurate information falsely manipulates the statute of limitations. you failed to investigate this account properly and your neglect has violated. my rights. this was a voluntary surrender of car in XXXX XXXX and you didn't close account till XXXX XXXX when it should of been closed in XX/XX/2018. 

XXXX XXXX account # XXXX last 4 ss # XXXX XXXX address - XXXX XXXX XXXX XXXX NY XXXX Consumer Financial Protection Bureau Case # XXXX
Product: Mortgage

In XXXX of 2022 Freedom mortgage sent me a notice of an escrow analysis that was incorrect trying to raise my payment another {$150.00} they said the tax escrow was wrong .... we had the same problem last year I filed a complaint then and I'm filing another one now... When I first did my refinance my payment was {$820.00} then it went to XXXX then it went to XXXX now they're trying to say I owe {$1000.00}... 
the first year they did my refi they only put in half my taxes in an escrow account so of course that makes it short... .their fault not mine... 
now they put in my taxes three times and of course that makes it short... 
I tried to get them to correct this and instead of taking out the one in XXXX they took out the one in XXXX which means there's a payment in XXXX and XXXX which is incorrect .... 
when they finally got it corrected as to XXXX and XXXX they had the amounts wrong ... .. in XXXX XXXX the first payment is smaller then the second payment... I have been calling them and dealing with them redoing the escrow since XXXX .... 
all the while they put things in as partial payments while they charge me interest and all the while they report to the credit bureaus that I'm late and tank my credit rating .... On XX/XX/XXXX I received my new tax rate bill from XXXX XXXX Wisconsin and it was less than what their estimated escrow was ... .I called them and reported it and ask for yet another escrow analysis .... probably about the XXXX time... 
I will wait to see if they did it correctly otherwise I will complain again...
Product: Credit card or prepaid card

On XX/XX/2020 Capital One sent me a response letter from a previous complaint I filed through the CFPB. XXXX XXXX, stated in the letter that information needed to be submitted to get my accounts un restricted at Capital One. I submitted all information, XXXX has yet to reach out to me via phone or email regarding the accounts being un restricted and back to normal. All information was submitted that was needed. I never received a call from Digital Verification as stated in the letter. Again, all information was submitted that was needed. My accounts should not be restricted any longer.
Product: Mortgage

I vacated the house I owned in XX/XX/XXXX or XX/XX/XXXX. My wife at the time moved out and I could not afford all of the bills I had on my own. I filed for bankruptcy and moved to an apartment. I surrendered the home in bankruptcy. I have no interest in moving back into the home, since I have started a life in a completely different area. I have taken excellent care of my finances since that time. I would like to buy another home in the near future and I am approaching the necessary waiting period after bankruptcy. However, since the bank never moved forward with foreclosure on my old home, it still appears on my credit report as mine. Also, once a foreclosure would take place, another waiting period would begin before I could buy another home. Realizing this, I contacted a real estate agent and foreclosure lawyer and initiated a short sale XX/XX/XXXX. We are at the one year mark now and the process is still not complete. My lawyer has been great about keeping on top of this and trying to move it forward as much as possible, but the bank continues to delay the process. Many of the issues the bank has been bringing up simply are not applicable to someone in my situation. They have had me provide my budget several times and have asked for me to provide evidence of insurance on the home. I keep telling them that I surrendered the home in bankruptcy over 5 years ago. The bank is Carrington Mortgage. They took over the mortgage from XXXX XXXX XXXX. Please contact them and ask them to move the process forward.
Product: Vehicle loan or lease

Involved in litigation : I have not been supplied proof under the doctrine of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX i have not been presumed no proof of alleged debt nor therefor any such debt in fact exist. 

XXXX XXXX XXXX Extortion XXXX XXXX XXXX XXXX Securities and Commodities Fraud False Claims Act XXXX XXXX. XXXX Will never do business with that company again. 
Requested that I give them cash and a XXXX for down payment. Horrible companyXXXX XXXX XXXX XXXXXXXX XXXX/car company that kept car on lot after paying insurance for a whole month while the car was in there possession for the entire month. Just a terrible company!
Product: Debt collection

XXXX XXXXXXXX XX/XX/year> XXXX XXXX Department XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX : Dispute of Credit Report Items and inaccuracies XXXX XXXXXXXX Account Dear XXXX, I am writing to formally dispute an error on my credit report regarding the XXXX  XXXX account listed under account number XXXX. I have reviewed the details on my credit report and found inaccuracies that I request to be investigated and corrected. 

The issues with this account include the following : XXXX. XXXX XXXX XXXX : The account shows 100 % credit usage with a balance of {$1600.00} against a credit limit of {$800.00}. However, this account is reported as closed. A closed account should not reflect active utilization in this manner. 

XXXX. **Payment History** : The payment summary shows consistent " CO '' ( charge-off ) statuses since early 2024. I believe this information might be outdated or incorrect as I am unsure of its current validity. 

XXXX. **Account Status** : Since the account is marked as closed, further updates or activity on the balance should not be reflected without further context. 

I request that you verify this account with the creditor and provide clarity on the following : - The current balance and how it is being reported despite the account being closed. 
- The validity of the payment history displayed for XXXX. 

Additionally, if the creditor can not validate these details, I request that this account be removed from my consumer credit report accordingly. 

Enclosed, I have included copies of my ID, a recent utility bill for address verification, and the screenshots of the credit report details for your review. 

Please investigate this matter and provide me with a response in writing. I appreciate your time and attention to this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Bank of America has made a change to the way the debit card is working. I personally have a long standing account that is set to decline all. Meaning any time funds are not available the transaction should completely decline. This has worked for many years for me and has kept me from being charged fees when there's not enough of money in the account. 

Now I'm noticing when i have some money but not all the merchants if there's a XXXX dollars in the account but not enough to cover they will let the transaction process for all the money that is available. An example is if the coffee costs {$5.00} there's only {$3.00} in the account they will allow the {$3.00} to be debited and I have to pay the remaining balance to the merchant. 

This is super inconvenient not only should it not do this. But there have been instances where I have to cancel the transaction because I do not have the remaining balance. 

And when you cancel the transaction then you have to wait for the temporary hold the merchant placed on the account to release before the funds will be available again. 

I know that they've made an agreement with the credit card logo debit cards and order to do this however if there's not enough money to cover it should just decline unless I have chosen to set up some options like this.
Product: Mortgage

Freedom Mortgage claims I have a {$1600.00} escrow shortage, but my property tax increase was only {$840.00}. In prior years, I received escrow refunds ( {$390.00} in XXXX, {$280.00} in XXXX, {$480.00} in XXXX ), yet this year I suddenly have a shortage nearly double my tax increase. I requested a full breakdown of escrow deposits, disbursements, and cushion calculations to explain this discrepancy. 

Additionally, I made multiple extra principal payments in recent months to pay down my loan faster ( {$500.00} in XX/XX/XXXX, {$100.00} in XX/XX/XXXX, {$200.00} in XX/XX/XXXX ), but my loan balance did not decrease as expected. For example, after my {$500.00} payment in XXXX, my balance should have reduced by that amount plus my normal principal reduction, but it was {$230.00} lower than expected. This pattern also occurred in previous months. I requested a full loan payment ledger to verify where my extra payments went and whether they were misapplied, delayed, or used to offset other costs. 

I formally submitted a written request to Freedom Mortgage on XX/XX/XXXX demanding a full, itemized response within 10 days. I am preemptively filing this CFPB complaint to ensure accountability, as I believe they may be misapplying funds and improperly calculating escrow, leading to increased costs on my end. If they fail to provide a full response, I will escalate further.
Product: Debt collection

sent certified letter for validation and cease and decist all communication dated XX/XX/XXXX to XXXX Midland Funding XXXX I received a letter dated XXXX that they ca n't validate debt and they have ceased collections and closed account. i have received calls from XXXX XXXX to my fax # XXXX XXXX so i called it due to numerous calls and it was in regards to midland funding the disputed account and cease and decist filed on XXXX XXXX, 2015 i informed the man that they are in violation of FDCPA cease communication also trying to collect on an account that is disputed and also past statues i could only go back to XXXX but these are the dates and times of calls From 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 and today XXXX ; XXXX XXXX ; XXXX XXXX i do have copies of all letters and response sent to agency
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission, filed a complaint, contacted the police department, and obtained a police report, which both are attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account number XXXX Account number XXXX REPORTING-Status Open. {$930.00} past due as of XX/XX/2023. STATEMENT REFLECTS PAST DUE OF Pay This Bill : USAA FIXED RATE LOAN XXXX Bill is past due Your minimum payment includes a past due amount of {$2800.00}. Please make a payment now. 

To avoid additional late fees and further impact to your credit history, you must pay the full minimum due by your next payment date. 
This is an attempt to collect a consumer debt and any information obtained may be used for that purpose.

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 23. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 24. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 25. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 26. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 27. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 28. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 29. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 30. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report