23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

You do not provide an other option for Type of Problem. Therefore, I had to select the problem that most closely resembles my issue. I have strong evidence that this lender is not a XXXX  owned corporation and that it is actually a XXXX XXXX used by outside investors to skirt the usury laws of many of the states in the U.S. behind the shield of the sovereign nation. What this lender is doing is fraudulent and should be investigated not just by the CFPB, but also by other agencies that regulate the financial sector and by Attorneys General of the states whose usury laws they are violating. 

Furthermore, I have observed that there happen to be multiple corporations run out of the same office by the same people, lending to the same customers with different names such as XXXX XXXX, whose mailing address is almost the same ( a few P.O. boxes away ), whose customer service agents get confused about what company they are representing on the phone, and whose marketing emails are identical and are sent simultaneously. Their customer service agents deny being one and the same corporation, but all the evidence says otherwise. These two in particular, XXXX and XXXX, have divided into two corporations in order to fraudulently issue twice as many loans ( to the same customers who can not repay either one ) and in order to fraudulently receive twice the investments from the outside investors using them for their sovereign immunity to violate state usury laws with impunity.
Product: Debt collection

Upon recent review of my credit reports, I noticed a collection account outstanding from XXXX XXXX XXXX ( XXXX XXXX XXXX ) for the amount of {$950.00}. I 've since tried to contact the company to resolve the account on 2 separate occasions asking them to provide proper validation to verify the account as being owned by me as outlined by the FCRA. The account remains unresolved. The first goodwill letter was sent and received on XX/XX/XXXX and the second on XX/XX/XXXX. I 've received correspondence from the collection agency with account statements attached as proof of ownership however nothing that bares my signature.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH capital one 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$13000.00} XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$3200.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$900.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$640.00}XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$140.00}XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Requested Forbearance due to financial impact due to COVID 19 - NO CREDIT REPORTING should have been sent XX/XX/XXXX - CFPB filed on Amerihome Mortgage due to consistent conflicting and contradictory information being provided across the Loss Mitigation Group spectrum - I've yet to receive a follow-up call to discuss this complaint. 
XX/XX/XXXX - Talk to Ms. XXXX # XXXX who confirmed credit reporting was still being suppressed - rep not clear if XXXX payment is required or not as Loan Modification request was still in process XX/XX/XXXX - 1st " trial '' payment of Loan Modification - NO CREDIT REPORTING should have been sent XX/XX/XXXX - Amerihome Mortgage sent a false report to Credit Bureaus advising I was delinquent and 180 days past due XX/XX/XXXX - realized Amerihome Mortgage falsely reported me delinquent and 180 days ; XXXX called service XXXX XXXX XXXX XXXX Ms. XXXX # XXXX who advised letter of apology was sent by Amerihome  to me on XXXX explaining false reporting to credit bureaus and was already being resolved XX/XX/XXXX XXXX XXXX XXXX who advised credit reporting is still reflecting Delinquent - also advised this was a firm-wide issue and i was not the only customer impacted - requested to speak with supervisor. Information taken - no supervisor return call XXXX XXXX  Resolution Team ( newly formed ) XXXX XXXX - who confirmed delinquency is still reflecting - she sent email to credit group asap to resolve XX/XX/XXXX XXXX XXXX who indicated no progress - she escalated to another credit team - advised an answer would be available by XX/XX/XXXX XX/XX/XXXX XXXX XXXX who confirmed they received a credit report from Amerihome Mortgage on XX/XX/XXXX indicating delinquent and 180 past due. Also confirmed no reporting from XX/XX/XXXX- XX/XX/XXXX no reporting had been submitted. 
XX/XX/XXXX, XXXX, XXXX, XXXX - Messages left with Resolution Hot Line XXXX XXXX - who has yet to return my phone calls. 
I explained to multiple representatives this had a disastrous impact on my ability to refinance my home which was in UNDERWRITING at the time of the false reporting - thus the loan was squashed. I have yet to purchase a vehicle which I am in desperate need of because I have no air condition and live in XXXX 
Having spent 37 years in the financial industry, it's appalling how bad this company continues to get.
Product: Checking or savings account

On or about XX/XX/2020 I went to Citizen Bank to open a savings and checking account from a mailing I received to get up to {$600.00}. Open a checking account get {$300.00} if left in for 60 days with a deposit of {$500.00} or more. Getting additional {$200.00}  if you open a savings account for minimum XXXX and leave it in the account for 3 months. Plus get additional {$100.00} if you do both. According to the terms this money has to be left on deposit until  XX/XX/XXXX. After numerous attempts to get the money out the {$600.00} was never deposited to my account. After numerous trips to the bank a car was made to corporate by the branch. I was informed then that I did not qualify for the offer because I had a checking account within a certain amount of time. My problem is they could have told me that at that time and I could have kept my money and we didn't have a problem. But if you're going to take my money for the promotion and keep it for the time specified then you should pay me the {$600.00}. Branch manager XXXX XXXX was tremendous help but not the right solution I was looking for. When I did the same thing with XXXX XXXX XXXX  they told me right then and there that I didn't qualify. Citizen could have done the same thing instead of taking my money. The promotional code for this offer was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I discovered multiple accounts on my credit report including one collection that did not belong to me, that happened right after I pulled my credit report. I do not know how, but the accounts were there, this is my first time trying to remove the following accounts that are not mine, 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, these alleged accounts are not mine, and they need to be remove from my credit report, because they are part of an issue with Identity Theft and, I am now reaching the CFPB to do a complaint and accelerate the process of fixing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX FL XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$7900.00}
Product: Bank account or service

I opened a home equity line of credit with XXXX back in 2005. In this contract I agreed that if I made additional payments to my loan, the extra payment would be applied to the principle to help pay down my loan faster. Twelve years later, I was online and I made two successive payments on this loan. The first payment was divided up with some paid toward interest and the additional amount paid towards principle. I logged back in about 30 seconds later and repeated the same payment amount and the system just took the entire amount but did not say how it was being applied. I called up XXXX to further the conversation and I found out they have NEVER applied my extra payments as my contract stipulated. I have escalated this issue within XXXX and their executive office committee to resolve and they are trying to tell me that their system could not do this until last year and she could not go back more than 12 months to fix this issue. 

I need CFPB to step in an ensure I am no longer being taken advantage of for their inability to uphold their end of the contract due to system limitations or personnel laziness ( she said she cant go back more than 12 months -- all of my statements/payments are available for her ).
Product: Credit reporting

I have several items on my credit reports that have been disputed with Experian, XXXX, and XXXX. I have been ignored on some disputes, and sent generic non-personable responses on others. The FCRA ( section 611 ) requires that credit bureaus provide me with the method of verification upon request from the consumer, and within 15 days of request. I am aware that the XXXX credit bureaus typically handle disputes internally by using 3rd party software such as XXXX, and rarely contact the original creditor directly. I am concerned about the validity and accuracy of your recent investigation of disputed info that is reporting on my credit report. I requested an investigation because I felt the items were not being reported legally. I have since received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation regarding the following accounts : 1. XXXX County Magistrate- ( XXXX docket # 's XXXX/XXXX/XXXX ) 2. XXXX- # XXXX 3. XXXX- # XXXX ( sent you a request to delete and you have not deleted ) 4. XXXX- # XXXX 5. XXXX- ( # 's XXXX,XXXX inserted XXXX with XXXX different amounts, XXXX ) 6. XXXX- # XXXX 7. XXXX- # XXXX 8. XXXX- # XXXX 9. XXXX- # XXXX 10. XXXX- # XXXX 11. XXXX- # XXXX
Product: Debt collection

CAINE & WEINER HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$100.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a major complaint with Experian although some of us if not all of us know that the big lenders paid these credit bureaus to put anything and all negative items on one 's credit I inform EXperian along with XXXX  XXXX that I was not aware of opening up this account, to send the original documentation of this account being open both companies failed to do so and continue to place this on my credit, and ignored my request. 
And if this is my account how is it that XXXX XXXX was able to deem a negative reporting doing a pandemic when i explain that i was affected finacnlly by covid-19 again because Experian is paid by a big big multi million-dollar company has not been fair to me and others nor has XXXX XXXX .... 



Experian and XXXX XXXX is not following the CFPB Issues Credit Reporting Guidance During COVID-19 Pandemic
Product: Credit reporting or other personal consumer reports

" This account is showing as closed on my credit report, but it should be removed entirely. I am requesting its removal as it is no longer relevant and does not accurately reflect my current credit history. Please investigate and delete this account from my credit file. ''
Product: Mortgage

I refinanced my mortgage with XXXX XXXX currently know as CIT in XX/XX/XXXX.It was an ARM which reached its peak at 4 %. I have been paying my mortgage and am not behind however I received an escrow analysis which says I have a shortage of $ XXXX.

I tried to pay my regular amount of {$2500.00} and the mortgage company charged my bank account {$23000.00} and other like amounts for the past 2 months rendering me responsible for cancellation fees with my bank and rendering me unable to pay other bills until it was cleared up. I only authorized the payment of my monthly mortgage and escrow which is {$1600.00} principal/interest and {$950.00} escrow a total of {$2500.00}. It would only allow me to pay {$22000.00} this month which I do not have.I have submitted a letter to XXXX to let them know that this is causing me a hardship.This loan is predatory as best and I believe that I signed it out of desperation to keep my property and now when I am stable they want me to pay {$4100.00} a month or the lump sum of {$22000.00} which I do not have.The new monthly escrow amount {$1800.00} is more than the principal and interest as mentioned {$1600.00} They deferred {$100000.00} in a balloon payment and the total mortgage owed is $ XXXX. I do not know how I got the surplus in my escrow because I thought when I refinanced I was starting fresh again.I find this destabilizing my ability to stay in my home in my senior years.
Product: Mortgage

My Loan is with Shellpoint Mortgage : Address : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX The Issue I am having with them is I have set up Autopay with My Bank so that a payment of {$200.00} dollars is submitted weekly to go toward my Monthly Payment. Shellpoint Mortgage is not applying the payments until it reaches the amount of the Monthly Payment. So if I go online it still shows that I still owe the full monthly payment and I am also receiving phone calls and text messages stating that I haven't made my payment. I requested that they apply for the payments as they come in so that I can see how much I actually owe on my Monthly payments. They refused and said that's not what their policy is. My origional loan was not throug them but was sold to them so now I have to agree to there policies without having any say in the matter?
Product: Debt collection

Sent Company A Letter Asking Them To Validate Debt And Company Has Not Responded In A Timely Manner. I Am Not Familiar With : XXXXXXXX XXXX XXXX XXXX {$370.00} This account is inaccurate and fraudulent And Have Never Signed A Contract, With This Company Nor Have I Ever Entered Into Any Agreement With Them. Neither do This company have My Signature. This company Never Sent Me A Notice About Attempting To Collect On Alleged Debt, They Simply Put A Negative Remark To The Credit Bureaus And I Am Asking That The Collection Accounts Be Removed. They Are Alleging A Balance Owed ( which was typed above with account number ) To Their Company this is not my debt and also have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore
Product: Mortgage

During the Pandemic I contacted my mortgage company, Fay Servicing regarding difficulty paying and they responded first by a letter dated XXXX XXXX granting some form of forbearance i.e that I pay two times my monthly payment which is {$1900.00}, ( see attached letter as appendix A ) until all past due balance is brought current. I made a payment in said amount and thereafter, I received another letter dated XXXX XXXX granting me a temporary moratorium until XX/XX/XXXX, said letter is marked as ( appendix B ). However, I kept paying and made Six payment during the moratorium period. 
At the end of the moratorium period, I received a letter, including loss mitigation forms from Fay servicing dated XX/XX/XXXX ( marked appendix C ) requesting that I file a complete loss mitigation application. I completed the application and sent it directly and also through my housing counsellor, the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I also sent copies directly to the account officer XXXX XXXX. 
Fay servicing acknowledged receipt of my complete loss mitigation application by a letter dated XX/XX/XXXX ( marked as appendix D ). The letter advised that I will be contacted once a decision is reached. On XX/XX/XXXX, I received a letter dated XXXX XXXX from Fay Servicing ( marked appendix E ) denying my loss mitigation application and requesting that I pay the full amount due of {$8400.00}. It is pertinent to note that on XX/XX/XXXX, I called Fay servicing and spoke with a representative who intoduced himself as XXXX, he also stated that it appears my loan modification application was denied and I needed to pay the sum of {$8400.00} to bring the account current. I appealed the decision because I believed I qualified based on my income and low expense ratio. I faxed as well as emailed XXXX XXXX my letter of appeal. Please see appendix F. 
It is important to note that the amount billed is also incorrect because it is in excess of the regular $ 823 monthly payment. There was an escrow shortage of {$230.00} which led to an upward adjustment to {$910.00}, so the payment should have reverted to {$820.00} after the first few payments. I presume I should have an accrued surplus after the necessary reconcilliation.. 
However, I pulled my resources together and with assistance from my church organization, overnighted the full amount of {$8400.00} on XX/XX/XXXX. 
It was a big surprise to me when on XX/XX/XXXX, XXXX XXXX called from Fay servicing stating that I needed to pay an additional sum of about {$2300.00} to reinstate the account because my account was in foreclosure. 
You will note that there was a pending loss mitigation application until I received a letter on XX/XX/XXXX dated XX/XX/XXXX. which precludes Fay servicing from fast tracking my loan to foreclosure but they refused to abide by the this regulation. XXXX I sent the full amount requested before I got a call on XXXX XXXX. Furthermore, I never received any other formal letter after the letter dated XX/XX/XXXX from fay Servicing before the call from XXXX XXXX.
Product: Checking or savings account

My account was hacked and over XXXX $ was stolen I contacted direct express they found me in favor returned XXXX $ but now will not release the XXXX owed to me and every time I call they say they will escalate the situation and nothing happens I've been trying to get this resolved since XX/XX/year> XXXX
Product: Credit card

I am writing to formally dispute a series of erroneous transactions and reporting on my credit report related to my Capital One account. Recently, I received a text notification indicating a payment of {$310.00} was made to my Capital One account. Upon investigation, I discovered that this payment was made via telephone using a XXXX XXXX XXXX account, which I do not possess. 
I promptly contacted Capital One to report this fraudulent activity, but the representative would not transfer me to the fraud department ; instead, my card was merely locked. I initiated a dispute regarding the unauthorized payment. However, when checking my account later in the month, I noticed that the credit was reversed, resulting in accumulating late fees as I awaited resolution. 
To complicate matters further, in XXXX, Capital One charged another reversal of {$310.00} to my account, which led to my account being over the limit and subsequently both of my accounts were closed. I have reached out to Capital One at least XXXX times, including discussions with management and the fraud department, yet I have not received satisfactory resolution regarding the additional charges. 
As a result of these issues, my credit score has plummeted to XXXX, significantly impacting my ability to secure basic services such as a cell phone, I was in the process of looking for an apartment and can not do this either due to the impact on my credit. Furthermore, Capital One reported my account as 60 days late, despite my statement showing a payment made on XX/XX/XXXX, along with a reversal of the late fee. 
I understand there are laws in place to protect consumers from fraudulent activities and the repercussions imposed by credit card companies. Therefore, I request that this matter be noted on my credit report, and that Capital One be held accountable for the damage done to my credit standing and the countless hours I have spent attempting to resolve this issue. 
Thank you for your attention to this serious matter. I look forward to your prompt response. 
I have also included statements that support this matter.