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

XXXX  XXXX Account # : XXXX Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX 15 U.S. Code 1666b - Timing of payments ( 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 XXXX  days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the
Product: Debt collection

On XX/XX/2023, I spoke with company representative XXXX who offered me a settlement of {$10000.00} and {$9200.00} respectively. 

That said, I want itemizations for both credit cards. I have not received any itemizations. 

Please note this lawsuit is a retaliatory measure aimed at obstructing a federal investigation concerning my complaints regarding my property at XXXX XXXX XXXX, XXXX, NJ. Any potential arrest prior to the XXXX XXXX deadline is an effort to prevent me from fulfilling my debt payments. 

In context, I am at odds with the New Jersey Governor and members of his cabinet to include the XXXX Police Director, and the XXXX XXXX Prosecutor. They have denied me my civil right to file a complaint. In retaliation this is unethical conduct to attempt to take away my home. The debt is their excuse to act. Again, I received no itemizations. I will contact the company to send it. 

Thank you. 
XXXX XXXX
Product: Credit card

We 've had an accounts with Citi Bank since XX/XX/1978 and have always paid our bills on time and in full. They refuse to lower our APR, despite us having a high XXXX score. They advertise much lower APRs than we were offered. We have a comparable card with XXXX that we have the lowest APR on offer. Citi 's advertising is misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receipt an alert for a new inquiry whit the date XX/XX/2021 and the name premium credit bureau and my credit on XXXX go downXXXX  and I dont recognize this, that was no me
Product: Credit reporting

XXXX MORTGAGE XXXX This account was NOT A FORECLOSURE! This account was " Settled for less than full balance ''. 
REMOVE ALL FORECLOSURE VERBIAGE OFF MY CREDIT FILE AS THIS WAS NOT A FORECLOSURE OR DELETE THIS ACCOUNT OFF MY CREDIT FILE IMMEDIATELY!! 

Please see supporting Notice of Rescission documentation attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not mine. XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX, XXXX, VA XXXX. ( XXXX ) XXXX
Product: Debt collection

This is not a refusal to pay ; however, I would like to advise your collection agency that I am disputing your claim. I have NEVER had an account with XXXX XXXX, and I saw on the XXXX site over XXXX complaints about debt collection scams. Under the FDCPA, I am allowed to request validation from third-party collection agencies. Therefore, I am not asking for verification but rather validation. While validating this debt, you must cease all collection efforts until you can send me sufficient proof, as listed above. If you choose not to send me the evidence requested, you must cease all collection activities and delete any references for this account from my credit report. Please reply with your response via US Mail, and allow me 30 days to review the documents. DO NOT COMMUNICATE BY TEXT MESSAGE OR EMAIL - USPS ONLY!!
Product: Mortgage

We have a mortgage with Carrington Mortgage Services LLC, we have contacted them through online chat to find out why they are charging additonal amounts on our monthly loan payments and there answer was I would have to call direct to speak with a Rep so they can explain the fee 's added. In  XXXX   XXXX  we signed a Modification agreement with  Carrington M ortgage and was told we needed to go ahead and make the  XXXX ,  XXXX , &  XXXX  payments to be caught up. Each monthly payment was for {$330.00}. So we sent in  3 different checks, one for each month requested, each check was wrote out for {$330.00} each. And we have made the exact same payment amounts each month since. Carrington w ill not send us a bill direct and I also asked the online rep about getting the monthly bills/statements sent to our home, cause our lawyer even said they never recieved the bill for  XXXX   XXXX .  Carrington said we needed to mail in a request in which we have and have heard nothing back on that. Carrington has also turned into the credit beaura 's that we have missed a total   of 28  payments and in fact we missed  XXXX  and  XXXX  of  XXXX  payments then we sent in a month and half payment the accepted, which made us half month behind. The next check we sent in they mailed back to us and have rejected all payments even through us having a escrow for all our payments with our lawyer for the every month since.  XXXX   XXXX   Made  2 years since our first missed payment and we signed and paid monthly payments for  XXXX  to present of this year of  XXXX . Here is the only info I can get on our mortgage account through Carrington site as they will not send us info. And they wont explain the fee 's which are not part of the Modification agreement.   Payment informati on Loan Number :  ... ... ... ....   Next Payment Due :  XXXX / XXXX / XXXX  Total Due : {$940.00} Previous Payment Received :  XXXX / XXXX / XXXX  My further comments : ( {$330.00} of the above total is due for  XXXX / XXXX / XXXX  the rest of the total is extra with mo explanation of what it is for and why it is being charged and violates the Mod. agreement. )
Product: Credit reporting or other personal consumer reports

My Information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with Fair credit reporting act XXXX XXXXXXXX XXXX  has 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 also states a consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the aII need to be deleted from my credit report. I've contacted the FTC and the police. I'm doing this on my own. There are still items on my credit that are not mine. XXXX XXXX. USDOE/XXXX, XXXX, US DEP ED.  INQUIRIES : XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formaly express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous imes and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They nformed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX  affected by XXXX XXXX pandemic I was very sick not able to work, speak and eat for several time, My wife contacted credit card banks on my name by phone on XXXX XXXX requesting help with payments assistance with my auto loans and credit card payments because COVID 19 pandemic effected me. Home mortgage and auto loans banks and credit cards creditors help me with this request and agree to put my accounts of a DEFERMENT plan FOR 3 MONTHS I was happy with this. BEFORE BEEN INFECTED WITH COVID 19 I NEVER WERE LATE ON MY PAYMENTS I HAVE 100 % ON TIME PAYMENTS RECORD. all my family got infected with this terrible virus our economical situation was very bad we only can be thinking in how to fill better to return at work nothing more. 
Later I found a very unexpected notice my credit cards. XXXX XXXX, XXXX XXXX XXXX AND XXXX THIS THREE BANKS reported late payments on my credit reports Missing payments on XXXX, XXXX and XXXX I mailed several dispute letter to credit report agencies EXPIRIAN, XXXX, XXXX  and to my creditor but they don't want to correct this wrong information they want me to prove them when I called to request help how can I prove it do I have to record every calls? AT THIS TIME I PAID ALL MY LATE PAYMENTS I AM NOT BEHIND I just want to update my account same status It was before differed payments plan I KNOW I am protected by CARES ACT I LOOSE A VERY GOOD JOB OPORTUNITY BECAUSE THIS WRONG MARKS ON MY CREDIT REPORTS I am looking for legal advice to move this to a court room if this banks don't correct this in 30 days. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank ( LLBean Visa ) wrongly reported high credit usage to XXXX that downgraded our credit rating from Very Good to Good. We regularly use a large % of this credit card and pay ot off completely each month, often early. Yet Citibank reported unusually high credit usage. XXXX did nothing when we disputed this reporting. No one at Citibank has been able to help or explain this sudden credit reporting change. It appears that Citibank is abusing its power by penalizing customers who do not agree with their XXXX policies.
Product: Mortgage

COMPLAINT NARRATIVE While I was applying for XXXX in XXXX, I fell behind on my mortgage. I reached out to the federal mortgage assistance program for help. I began working with them in XX/XX/XXXX. When I completed the application, I included some type of foreclosure Id received from my local sheriffs office. My point of contact was XXXX XXXX. At the beginning of the application process I emailed her to let her know my concern about this unusual foreclosure I had included with the documents. After the application had been completed and the document submitted, I continue to email XXXX XXXX, and call customer service to make sure everything was OK. I stayed in touch by phone and email frequently. I was finally approved, but there wasnt enough funding available to bring my mortgage XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX Page 1 of 3 current. The maximum amount they pay out is {$40000.00} and I had help during Covid. 
When I realized there was a shortage, I reached out to our local agency housing resources of XXXX Colorado. I spoke with XXXX XXXX who Id worked with previously I let him know the situation and he was going to help me make up the difference between the federal mortgage assistance program. It was about {$2000.00} or so. This all happened in XX/XX/XXXX. At that time I received another notice about some type of foreclosure on my home so I called my mortgage company. 
Shellpoint Mortgage told me to contact the federal mortgage assistance program who I was working with to have them help me and I did that. At this time, I was also working with XXXX XXXX from housing resources of XXXX Colorado and he told me that there was no foreclosure on my home. I expressed my concern and he assured me. Neither the federal mortgage assistance program or housing resources of XXXX Colorado helped me address this unusual foreclosure that I had no idea what it was. I trusted them 100 % to help me. I have all of the emails between myself and the representative at federal mortgage assistance program.
Product: Credit reporting, credit repair services, or other personal consumer reports

after checking my credit report i noticed 3 accounts in collections that i have no knowledge of. The three accounts are, XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. I have no knowledge of these accounts and i am experiencing fraud activity on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with XXXX XXXX since 1998. I have always had good credit but chose to just use 1 card. I had some Fraud go on with my account to XXXX removed my history and my credit score went way down. They have only bought XXXX XXXX in the last few years. I need XXXX to correctly report the following which is the facts : I have had XXXX XXXX since 1998 I have credit limit of {$15000.00} I have never missed a payment. 

Please reflect this correct information to the 3 credit agencies ASAP. 

XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, New York XXXX
Product: Debt collection

On XXXX, I requested that HomeLoanServ stop calling me and only communicate with me via written communication aka postal mail. On XXXX XXXX XXXX HomeLoanServ called me and left voicemail.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention that I have been affected by the Equifax Data Breach and my personal information has been breached. Please see the attached picture as proof that my information has been breached. Due to this incident, Equifax has refused to delete accounts currently listed on my credit report. The accounts in question are : 1. XXXX : Account number : XXXX 2. XXXX XXXX XXXX : Account number : XXXX
Product: Credit card or prepaid card

ATT was my cell phone co. telephone provider. 

We agreed they charge me monthly for cell. I ended out contract in XX/XX/2020. 

I returned their cell a little after I asked them and asked they stop service. THe short delay was because I needed my new cell phone ( BEST BUY ) to transfer all the data from T cell to my new Best Buy phone. 
Making my year end review, I noticed ATT never stopped charging my credit card from XXXX on to date. I called ATT and they said they will look into it. At same time, I asked SEARS MASTER CARD to stop paying them, and also to refund from XXXX to date and STOP Paying them for any future automatic withdrawals. SEARS  refuses to put stop payments, or refund for past bills. Sear 's ' XXXX started a dispute but won't refund or put stop payments to all prior or new charges. She won't promise my a refund or stop payments claiming I signed with ATT, and sears  MASTER card can't stop making auto payments that by law she can't stop payments as it is between ATT and I to end such relation! 
So, if ATT wont stop sending me bills, and Sears Master keeps paying even if I ask them to both stop, in my mind, this is fraud. 
My sears MASTER card is enclosed in the attachment It shows the date when I returned by US Post the ATT cell, and he ate when I purchased my new XXXX phone with Best buy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute with TransUnion regarding a federal tax lien being reported. Their system would not allow me to upload documentation, so I had to mail it in, which I also did on XX/XX/XXXX. OnXX/XX/XXXX at XXXX XXXX, I called TransUnion and spoke to XXXX informing him that I could n't upload my documentation, that I mailed it, and I requested that it be noted in my file so that a decision would not be made until they receive the documentation. Today,XX/XX/XXXX, I received the results of the investigation, which was " updated. '' I called TransUnion this evening only to speak to a young lady in which it was very difficult to understand what she was saying. She kept telling me that it was updated and correct. So the end result was that TransUnion made a decision on my dispute without my documentation. According to the XXXX XXXX XXXX XXXX ( XXXX ) rule of XX/XX/XXXX, " the CRA will remove any public record, judgements, and liens that do not have all the required information. '' My Notice of Tax Lien, dated XX/XX/XXXX from XXXX XXXX County Circuit Court.  displays a redacted Social Security Number and " no '' date of birth. Based on XXXX rules, I am disputing the federal tax lien that is reporting on my TransUnion report and request it be deleted accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

We took forbearance with American Pacific Mortgage in accordance with the CARES act. As such, the loan should NOT have been reported as delinquent to the credit bureaus. I have spoken with American Pacific Mortgage and they said that they never reported it as delinquent but all three credit bureaus say other wise. The loan has since been sold to XXXX XXXX.
Product: Debt collection

I DO NOT KNOW THIS COMPANY. IT A SOME SORT OF COLLECTION AGENCY. 
I DO NOT WANT TO DEAL WITH THEM AS INFORMATION IS INACCURATE
Product: Mortgage

XXXX XXXX XXXX line of credit of {$50000.00} with balloon payment due in XXXX, 2015. Requested modification of the loan to pay back principal plus interest. Completed all paperwork but was then transferred from the then current XXXX XXXX XXXX to SLS Loan Servicing. I completed the necessary paperwork again with SLS and they continued to indicate incomplete processing and duplicate requests for the same documents over and over one document at a time. This continued for the next 8 months. I was finally denied modification, but was encouraged to complete modification paperwork again. I then completed a third set of paperwork At no time during these 8 months was I ever told by any SLS representative that the loan was not eligible for modification. In the meantime, behind the scenes SLS had begun foreclosure proceedings as early as XXXX of 2015. I found that out when I was charged for an inspection of my property. I completed a third set of paperwork, SLS claimed it was incomplete and was denied. They then proceeded with foreclosure. My primary mortgage is with XXXX and has never been late. Also, during the time the line of credit was open, those payments were also never late. SLS has now marked my credit and has made it almost impossible for me to refinance the loan. Had I been told back in XXXX of 2015 that the loan was not eligible for modification, I may have been able to refinance the loan and would have avoided the unnecessary foreclosure proceedings that followed. They basically wasted my time all these months and accrued unnecessary interest. There are so many complaints out there against this servicer for similar improper procedures. In order for the problem to vanish, I had to withdraw the funds from my IRA to pay off the loan with interest and about {$3000.00} in foreclosure fees. I appeared at a foreclosure conference and the mediator in fact agreed these practices were unjust and ordered the attorney to adjust some of the fees. I was never contacted by counsel for the bank about foreclosure until the day I was served papers. The mediator was angered at the practices of SLS and the law firm and indicated that a reversal of interest could ensue. Now I am told that the dismissal of the foreclosure action can take another few months, even though the loan is fully paid. Someone has to stop SLS and protect consumers from these scamming tactics they employ.