23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On my monthly payments, I usually include additional funds for prepayment of principal. Not every month, but more than once, Citizens Bank , NA XXXX XXXX XXXX XXXX XXXX XXXX, has taken money for prepayment of principal and instead used it to prepay unaccrued interest. Most recently, in early XX/XX/year>, I paid {$60000.00} towards principal ( along with the amount owed for interest ). The {$60000.00} was specifically and expressly identified as a payment towards principal. However, a portion of that amount was applied to future months ' interest i.e., unaccrued interest. Furthermore, statements as to future interest owed were overstated since they did not take into consideration the full payment that was to be applied towards principal. When I received the next mortgage statement in late XXXX, I called and challenged the basis for Citizen 's to unilaterally take a principal payment and apply it towards future interest. They said they would fix it. When I received the next mortgage statement, it reflected that I still did not receive full credit for the {$60000.00} principal payment. Accordingly, the reference to interest owed was again overstated. Essentially, Citizens is converting and misapplying funds paid on the mortgage.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 


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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$21000.00}
Product: Checking or savings account

On XXXX XX/XX/2022 I deposited a check in an account to try to not have to pay a fee in having to cash the check at the same bank that I bank at that charges a fee, or fees to process a check ; however, when I deposited the check online I now have to wait for the check to clear on XX/XX/2022. Because of trying to save money in cashing the check for a fee the bank has decided to hold my check for a week and a half causing my bills to be late. I have tried to speak to someone and someone stated on XX/XX/2022 that I should receive a letter, but now it is XX/XX/2022 and I have not received anything from the bank. The check was for {$360.00}
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Closed on a mortgage on XX/XX/2021 - mortgage held by Wells Fargo. Received in the mail several days later a note from Wells Fargo about a XXXX account balance on my 'Wells Fargo Everyday Checking ' - This is via a normal account statement which has a note that the account is now closed. I have no record of opening a checking account with Wells Fargo nor did I ever authorize such. 

Contacted Wells Fargo - call taker cut me off when explaining situation/ spoke over me then transferred me to another lady who said they would investigate but would have to wait up to 45 days for results and then needed to speak with someone else - was transferred to a XXXX minute wait time before call dropped. They did disclose that there was no activity on this account. 

I don't know what this is, if I took a credit hit, etc. I am stuck waiting and they do not seem to really care. It seems Wells Fargo had a MAJOR issue with this fairly recently and it involved the CFPB, other lawsuits, etc so I thought it best to surface this concern to see if we can figure out what happened to cause this account to be opened.
Product: Mortgage

XXXX filed a foreclosure complaint against me on XX/XX/XXXX and that foreclosure complaint was DISMISSED on XX/XX/XXXX, attached. We have made several complaints against XXXX & Ocwen with the CFPB in-regards to their ownership. There is no default to XXXX or Ocwen as they do not own the mortgage and/or note for our property. In XXXX of XXXX, XXXX/Ocwen prepared a settlement offer for {$260000.00}. We were approved and then later denied a home equity loan from XXXX because of title issues. We and our attorney made XXXX/Ocwen aware of XXXX issue via email. We also attempted to remediate this issue by filing a case # XXXX and a prior case # XXXX with CFPB. This matter has caused us serious hardships, please review and reopen my former complaints, along with this complaint against these agencies. 

XX/XX/XXXX XXXX reached a {$600.00} XXXX dollar settlement over charges of abusive mortgage practice and in XXXX of XXXX, around the same time we filed a complaint # XXXX with CFPB, CFPB sued Ocwen for failing borrowers throughout Mortgage Servicing Process. These agencies should be held accountable for filing a foreclosure action that was DISMISSED. If we would not of won our appeal we could of lost our home and been homeless. Please provided relief and assistance to ensure we keep our home and have them pay our attorney cost. They dont have standing and they dont have the right to foreclose. I have not been able to refinance or do anything for three years because they dont have any standing.
Product: Debt collection

Have received calls over the last several days from various numbers, but the call is conducted in the same manner. They ask for me, I ask who is calling, they only give their first name - will not say where they are from or what it is about. They continue to ask for personal information. Since I am not familiar with this person, I simply say they have the wrong number and to stop calling. I do not know what this is about, but it is beginning to become bothersome and concerning. The other numbers involved are : XXXX ; XXXX ; XXXX ; XXXX. Again, I believe it is the same organization just using different numbers.
Product: Debt collection

I hired XXXX XXXX to recover two accounts for me. However I called / emailed them prior to them starting the collection process to cancel one of the accounts because I personally had collected the funds. Through numbers emails and phone calls with my " sales manager '' I told them to stop collecting. They failed to do so as the customer called me stating they were still calling him even after he personally told them he had paid me directly. I received an invoice from XXXX which detailed them taking 50 % of the correct account and 50 % from the 2nd account and per their invoice it states that they should be paying me {$180.00} for the collection of account # 1. I have received numerous calls each day and finally asked them to direct all communication through my attorney and provided his name. Today I receive and email stating : I can assure you that we will not cease our efforts to recover the fees due to our office. We will be relentless in our pursuit of this balance. 
Make your payment now to avoid the additional expenses of litigation and derogatory credit reporting. 
They are a deceitful company and owe me money but instead they would rather try to collect a fraudulent invoices.
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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$380.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to have these items stricken from my Credit Report with XXXX, XXXX and TransUnion. 

XXXX is still showing the Federal Student Loans that were transferred to XXXX and forgiven under XXXX XXXX XXXX XXXX ( documentation attach with XXXX loan balance ). 

XXXX is the worst. They have duplicate Student Loan Information. One for XXXX XXXX XXXX and the same that was transferred to XXXX. This is incorrect. They are duplicating a loan that was closed under XXXX XXXX XXXX XXXX for which I have attached documents from online account and a letter I received recently. 

The last is TransUnion, that reflects the Student Loan ( s ) and who blocks me from disputing or submitting a valid dispute for the erroneous information online under my rights under the FCRA. 

The XXXX Bureaus have been contacted multiple times even through your agency and they STILL refuse to correct the problem for which the dispute has been active more than 30 days. As a result of the duplicate reporting and erroneous data, they have negatively affected my credit where creditors have reduced my credit limits or closed my accounts. 

This is in direct violation of the FCRA. They are not fixing the problem although I have given them the evidence. I have waited long enough to have this fixed and these bureaus do what they want and ignore the facts. They report wrong and are continuously negatively affecting my credit.
Product: Mortgage

SLS.net can not provide a missing payment date for years. Was told to go back to old servicer to see when I missed payment. XXXX said no longer a customer, SLS rsponsiblity.
Product: Debt collection

Credit Control Corporation at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has failed to validate my debt. I was contacted by this company asking that I pay XXXX collection bills in the amount of {$4800.00} and {$120.00}. These XXXX collection accounts are invalid. I have disputed this debt with them, I do not owe this company. Credit Control Corporation does not have a contract with my signature. Credit Control Corporation has sent me a list of my medical records and medical procedures which is a direct violation of XXXX regulations. I have never done business with this company, I do not owe this debt. Please delete these XXXX credit collections from my credit file and cease all collection activities immediately.
Product: Credit reporting or other personal consumer reports

Good morning! 

I am seeing Forever 21 on my credit report still after 7 years. This was paid in full and it's still on my credit report as a potentially negative account. Here is the info on it : XXXX/COMENITY/FOREVER 21 Account info Account name XXXX/COMENITY/FOREVER 21 Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$150.00} Highest balance {$150.00} Terms - Contact info Phone number None provided Address XXXX XXXX XXXX XXXX, OH XXXX Current : Account closed at consumer 's request. 

This was a credit card that I did pay on time and they lost my payment... which made this a late payment back in XXXX XXXX. 

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

Transunion keeps dropping my credit score 20 - 30 points at a time. it takes tem forever to raise my score. I am in perfect standings with my creditors. there is no reason why my should drop off at all.
Product: Credit card or prepaid card

Trying to make payments due on my accounts for Comenity Bank and have not be able to access the system via the web or on the phone.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed some inaccuracies. These inaccuracies are hurting my credit and chances to obtain credit.
Product: Debt collection

My car was broken into and information was stolen. I think this information was then used to open an account to purchase phones. A balance is left on my account and says I owe money to a collection agency. I requested via mail with all three credit bearus to learn more about this debt but none have responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXXXXXX XXXX  acct # XXXX, XXXX acct # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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 Experian and XXXX Credit Reporting Agency 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. Experian 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 XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX SXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Hello -- I received a notice from Pro Collect Incorporated that I had a debt to pay from a former rental unit. I contacted them twice. On first communication I was told that I could no longer dispute the debt. I called again, and paid the debt. I was told that I would receive a receipt of payment no later than XXXX hours after the payment was cleared. I called again this Monday, XX/XX/2023 after not receiving a receipt. The representative said that the payment had cleared, and that I should expect an emailed receipt shortly. My last phone call, the agent was verbally violent, unnecessarily rough, and lied repeatedly about needing more identifying information. To add, I have yet to receive the receipt of payment. This collection agency is overtly unscrupulous and unethical. They should not be allowed to operate outside of the legal confines of debt collecting.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX XXXX Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

According to my most recent credit report, i have hard inquiries that is currently reporting to the three credit bureaus that I applied for credit with their organization. I did not grant anyone authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update on complaint # XXXX. 
Equifax finished it's investigation XXXXdays after filing the complaint. They did not fix anything and again lowered my score XXXX more points for disputing XXXXXXXX XXXX XXXX My score went down a total XXXX points for disputing the illegal actions on XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

USAA Federal Savings Bank listed a charge on my monthly statement in the amount of {$270.00} dated XX/XX/XXXX that was listed as " XXXX XXXXXXXX CUSTOMER XXXX XXXX XXXX TX XXXX XXXX 

As I live in XXXX, XXXX and have not traveled anywhere near XXXX XXXX, TX I inquired immediately regarding the charge and listed this as a possible fraudulent transaction. They reissued a new card and stated they would investigate. 

Over 3 months later on XX/XX/XXXX I received a phone call from USAA claiming this was a XXXXCard present ' transaction and therefore could NOT be fraudulent. They dismissed the possibility of a cloned card and could offer no further information on the merchant which is over XXXX miles away from where my physical card transactions occur. 

I informed USAA Federal Savings Bank that I no longer had confidence in their banking services, that I wished to cancel my account, and that I would be filing a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

I was stunned when I saw incorrect accounts on my credit report this morning. I have no clue where they came from, especially since I always review my report. I hoped it was just a browser issue and tried refreshing, but nothing changed. The discrepancies stayed there, leaving me uneasy. Im asking for my documents to be reviewed carefully, so I dont have to face this kind of worry again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my account was properly investigated but how can that be if the dates last active are incorrect, high credit amounts are incorrect, account status is incorrect, account numbers are incorrect, and response to where inquiries came from were left unanswered? These are all grounds for immediate removal from my credit reports as it has violated my rights under 15 U.S.C. 1681 section 602 A. I was seriously harmed because the Credit Bureaus continued to give out incomplete and inaccurate information after I requested corrections causing my XXXX XXXX to severely and negatively be affected. The Credit reporting agencies are negligent and willful noncompliance with the law are all exhibited here. XX/XX/2023 I have sent out disputes via U.S. Postal Service and have not received an explanation nor has any of these erroneous accounts been removed from my credit report. I have a legal right to pursue legal actions within 2 years after I have discovered the harmful behavior or within 5 years after the harmful behavior occurs or whatever is sooner. The Credit Bureaus has also taken more than 30 days to thoroughly complete their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and saw that i had 2 payments more than 30 days late from citi. I called citi and asked them if thats true and they said no. I disputed the delinquencies with XXXX  and when i get the results, citi is saying its accurate which its not. I tried calling citi to dispute the findings but they have absolutely terrible customer service and couldnt get a straight answer, i was on the phone with them for over answer, i kept getting transferred and nothing got resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested these inquiries be removed because I never gave consent to review my credit report. 



XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX   XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX / Inquiry : XX/XX/XXXX Oil Companies XXXX/XXXX  Inquiry : XX/XX/XXXX Complete Dept. Stores Contact the inquirer : MAIL ONLY XXXX/XXXX Inquiry : XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry : XX/XX/XXXX Jewelers ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX Complete Dept. Stores ( XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXXAuto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX   XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
Contact the inquirer : MAIL ONLY XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX  XXXX/XXXX Inquiry : XX/XX/XXXX Miscellaneous Contact the inquirer : MAIL ONLY XXXX-XXXX Inquiry : XX/XX/XXXX Telephone Companies XXXX/XXXX Inquiry : XX/XX/XXXX Mail Order Firms ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX/XXXX  Inquiry : XX/XX/XXXX Variety Stores Contact the inquirer : MAIL ONLY XXXX/XXXX Inquiry : XX/XX/XXXX Complete Dept. Stores Contact the inquirer : MAIL ONLY