23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves a construction mortgage loan which was with Trustmark National Bank. Trustmark 's mortgage division denied a previously approved 30 year locked in rate ( see exhibit F ) for the permanent financing for this construction loan. The underwriting was behind schedule because they were all working from home during the height of the pandemic. This caused a delay in underwriting, so the denial occurred two months after the maturity of the construction loan. The reason for denial as stated by the Trustmark mortgage division ( see exhibit G ), was that they perceived that there was a forbearance on my credit from another loan ( different bank ) because the credit report showed a footnote that said " affected by national declared emergency '', even though the report reflected all debts as current. Trustmark bank, who held the construction note, then agreed to provide accommodations by modifying the loan, lowering the rate, deferring the current payment that had matured, and amortizing it for 240 payments. The span of time between when the construction loan matured, and when the underwriting for both the mortgage division, and the bank itself was complete was approximately 90 days. For this time period, the bank charged interest for the time value of the balance, but at the same time it reported the note as delinquent ( see exhibit H ). 
In Summary, My complaints are against Both Trustmark National Bank and Trustmark Mortgage for the following reasons : 1. Trustmark National Bank provided accommodations as defined in Section 4021 of the CARES Act, while being aware of, and in full knowledge that this issue was directly affected by COVID 19. 
2. Trustmark bank violated the Fair Credit Reporting Act as well as Section 4021 of the CARES Act in reporting the covid related accommodations as delinquent.

3. The illegal/erroneous reports by Trustmark National Bank, has caused financial harm to me.

4. Both the loan officer, and branch president have been notified in writing of the incorrect reporting, but as to date, they either refuse to respond to the email, or otherwise have failed to respond. When confronted in person, the branch president stated his position to be that he had made no errors and would make no corrections. 

I have made every effort to pursue this through the channels available to me, such as filing disputes with the bank and various agencies including the credit reporting bureau experian. Now as there have been no corrections, I will pursue litigation if this avenue is not successful.

Thanks for Your Help In This Matter
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by THD/CBNA. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my records, the payment was made within the required timeframe. Attached is a copy of my bank statement showing that the payment was successfully processed before the due date. 
Clerical Error by Creditor : There appears to have been a clerical error during the payment process, as I never received any notification of a missed payment. XXXX confirmed that no payment was missed, and I have attached correspondence with them to support this claim.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Mortgage

I have tried many times to set up my mortgage on autopay. Penfed does not allow it anywhere on the website despite recommending it.
Product: Mortgage

Fay Servicing has charged me late fees for my payments from XXXX of 2022 through XXXX of 2022. 
1. Fay states cashing my cheque that was mailed on XX/XX/XXXX on XX/XX/XXXX. My bank shows the cheque was cashed on XX/XX/XXXX. 
2. Fay states cashing my cheque that was mailed on XX/XX/XXXX on XX/XX/XXXX. My bank shows my cheque was cashed on XX/XX/XXXX. 
3. Fay states cashing my cheque that was mailed on XX/XX/XXXX on XX/XX/XXXX. My bank shows my cheque was cashed on XX/XX/XXXX. 
4. Fay states receiving my ACH payment for XXXX on XX/XX/2022. My bank shows my ACH payment was taken from my account on XX/XX/XXXX. 

Fay needs to look at when my payments were dropped in the mail, which is stamped on the envelope, and correct the dates that my payments are being applied. 

I shohuld not be charged late fees for payments that arrived on time or for payments that I mailed in a timely manner. 

I have attached my bank account statements for these 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've FULLY PAID an account off of my credit with AAS Debt Recovery and they have yet to have their credit line from my credit profile and I've called them and disputed several times. It needs to be removed form credit ; as I've already paid the money that I owe in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the XXXX XXXX XXXX XXXX. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax, XXXX, XXXX, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, the XXXX XXXX and XXXX XXXX Credit Card are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. Equifax, XXXX, XXXX, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, Equifax, XXXX XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which states no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are hard inquiries I dont recognize that are fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting me as an authorized user on the XXXXK partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bank as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Auto loan from XX/XX/2011 was reported as last payment received on XX/XX/2011 for XXXX   and XXXX. XXXX is saying its XX/XX/2011 and will not be removed until after XX/XX/XXXX. I am unable to see results of any reporting because their website is down and has been down for more than three weeks. The customer service agent that I spoke with this afternoon said this 7 year old account will not be removed until after XX/XX/XXXX. This Chase account has been removed on both XXXX and XXXX. Its my understanding that 6 years is the statute of limitions on debt and we are clearly past that.
Product: Debt collection

Well more then 7 years these people from XXXX XXXX have been hunting me down. They affected my credit more then 7 years ago and ever since then have been trying to add themselves to my credit with different collection agencies they sell the collection to. Now they are affecting my credit for so long even while I told them many years ago that if I did recognize this collection everything was already paid off but this is getting out of hand. Now they sold this account to another collection agency and they are affecting my credit under the company name of VANCE AND HUFFMAN LLC. And are lying and saying that this collection was opened in XX/XX/2019 for the amount of XXXX which is totally inaccurate. This company has been hunting me down and now affecting my credit and all of this is stressing me out and I need someone to help me and find an ending to all of this. This is not the first time that I contact XXXX  and the other credit reporting agencies about this and now this account under a new collection agency is trying to make false allegations with false dates to have me pay for something I did already and putting something on my credit that was already erased more then 7 years ago.
Product: Debt collection

Credit Collection Services claims I owe XXXX for an auto policy with XXXX XXXX. This policy was canceled prior to their cancel date of XXXX XXXX, a final payment was made before and should have brought the balance current and paid in full. They claim I owe XXXX, which is a ridiculous amount of money for a policy which I had already been paying on. I think the Liberty Mutual rep ( s ) I spoke with failed to cancel the policy when I first requested, however, the amount in question is still absolutely crazy and I refuse to pay it. The reason for canceling the policy is because the vehicle had been sold to XXXX XXXX XXXX, I no longer needed insurance on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a balance due of {$4700.00} as well as the account having been late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was deemed a total loss. I have attached a copy of the TOTAL LOSS CONFIRMATION LETTER dated XXXX from XXXX XXXX XXXX Companies. This letter declares that the vehicle has been deemed a total loss due to a collision and that the lien has been paid off. This incorrect reporting of a balance due and lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

XXXX. Navy Federal allowed my accounts to be hacked into so we had to change and get new accounts myself and my children. After that a number of charges started coming out of my account. It was not me from then on. Ive been having problems with Navy Federal with keeping my money in the bank and they are not doing anything about it I have found police reports, they have gotten the police reports and the body cam of me actually standing with the police. XX/XX/XXXX I was credited back my money with me submitting the police report over {$3000.00}. Then Navy Federal came in and took the credit back and saying that I owe them {$3000.00} so now the bank will not return my money. I paid them the money back, but they still will not give me my money after I have filed numerous police reports and they have the evidence actually in XXXX XXXX XXXXXXXX when the transactions was made in XXXX, California in New Jersey. There are so many fees, late fees, and overdraft fees taken out of my account and I didnt know how and why, and it looked as if they were double dipping into my account with taking out these fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family and caused financial and emotional distress upon me and my family. Please Remove/Block these fraudulent accounts from my credit report in 4 days of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In the fall of 2018 I noticed that my XXXX XXXX store card had purchases on it that weren't mine. I went into the store and complained and an employee told me that someone used my social to make the purchases. I was upset because they did not require photo ID to approve this transaction and left me with the balance. The employees at the store were of no help so i went to the police to file a report. I was in Florida when the fraudulent purchases were made in New York. I showed the officers my flight itinerary and I was advised not to pay a dime given I didn't make any of the purchases. Now the account is in collections and the balances has risen. they contact me over the phone and send me mail each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back inXX/XX/XXXXI did a dispute with all 3 credit bureaus for XXXX for {$3300.00} and it was deleted from all 3 credit reports on XX/XX/XXXX but not all 3 credit bureaus have added the above creditor back on my credit report inXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : I deleted my old number associated with my coinbase account ( to update new phone number ). I was locked out of the account and got an error - 'Account recovery process could not be started because you don't have primary phone number '.

Submitted support request.

XX/XX/XXXX : Received mail from coinbase support about reversed transaction on XX/XX/XXXX of {$2700.00}.

Got reply from coinbase support to create new account, finish Identity Verification procedure and wait for funds transfer.

XX/XX/XXXX : Told to wait for fund transfer.

XX/XX/XXXX : Mailed coinbase for assistance to choose alternate payment since I could still not access my account.

Still No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i went into a XXXX XXXX XXXX branch to find out exactly what happened to the bank account I had with them the front desk person had informed me that my account was being handled by another department due to activity that went on my account so I call the number that she had provided to me and I found out that since my debit card had been lost over the winter break someone had ownership of my account online banking and my debit card they had done wrongfully activities on my account that had lead XXXX XXXX XXXX to close my account and person I was speaking to told me to file a dispute for them to correct the issue and try to help me recover my account and reopen it but when all charges came back to the account they had informed me that they can no longer due business with me and reported to early warning that I committed fraud with my bank account knowing had no acknowledgment on what was going on due them closing my account wasn't able to access my account online due to it being compromised.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Third party was called. I have never used that number associated with any credit. Has never attempted to be reached by telephone before any third party was called
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX Dear Sir/Madam : In XX/XX/XXXX we closed on our property at XXXX XXXX XXXX. 
During the closing we had paid approximately XXXX in closing cost and XXXX down payment on the property. Our credit score was > 700+ however we had received a very high interest rate ( see attached ) as well as a recommendation for XX/XX/XXXX mortgage. We had purchased through a mortgage broker. 
1. At the closing we did not realize that the XXXX was not added to the cost of the house instead of XXXX our first statement indicated XXXX. we called HSBC and was told a correction would be made several times as of today this was never rectified. 
2. During hurricane Sandy we requested to refinance, we were told we were not eligible and would be better qualified for a mortgage modification. 
XXXX. Due to severe damage to the roof of the house and the amount to be paid monthly they offered us during this process, to pay half which we did until the modification was completed. Please note from XX/XX/XXXX until present we were never late on our mortgage payments. 
XXXX. After the modification was completed XXXX was added back to the house payments. With a 4 % interest rate. 
XXXX. Several months after, our mortgage was sold to XXXX XXXX XXXX 
Over the pass 8 years we have paid our mortgage via XXXX XXXX, and in reviewing our payments which has increased over the years, we called XXXX XXXX on Friday. We were told we have another escrow shortage of $ XXXX, which will then increase our mortgage payments again. 
They suggested we refinance. Then they told us we have a XXXX mortgage, but over the years we are now at 32 years. We have been living in this house since XXXX. We thought we had roughly 15 years left to pay off the mortgage. 
We would like some form of assistance in reviewing both HSBC prior mortgage and this current mortgage. 
Please advise. 
Respectfully, XXXX XXXX + XXXX XXXX
Product: Checking or savings account

I notified cash app of a transaction I wasnt aware of for XXXX it happened when I had lost my phone I didnt realize it right away but when I did I notified them and they kept dragging me along with not responding and never actually attending to the claim I was trying to file I would send them every single detail they wanted but ti no avail did they respond with a solution I basically had to repeatedly file my complaint and it never got resolved I advised them I dont make transactions in that amount I also advised them of the party receiving it they had a foreign name and i had never done any transactions with them my history can prove that the date of the transaction was on XX/XX/2022 for {$3000.00} I asked them if I should notify police they assured me not to worry they would take care of the issue they never did so I gave up I was unaware your agency existed to help consumers in my situation not lose their hard earned money
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't find the contact for XXXX/credit bureau. 

On XX/XX/2019 I had disputed XXXX XXXX XXXX for {$1700.00} ( and {$700.00} still waiting ) that was incorrectly on my account for years bringing my score down. Through XXXX, I disputed it and on XX/XX/XXXX the item was removed from my credit report. 
BUT the years of damage that the error caused on my score still remains. They had no right to put it on my account in the first place, and my score should have jumped at least 100 points to make up for the error that was put on my account.
Product: Credit card or prepaid card

The credit card company did not increase the credit limit despite its promotional promise and customer service assurances.
Product: Mortgage

On XX/XX/2022 Dovenmuehle Mortgage applied {$630.00} which was in Partial Payment Unapplied Funds to my principal balance despite Dovenmuehle not having authorization to make that application. I wanted that money to remain in Partial Payment/ Unapplied Funds.