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

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my ( XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over XXXX letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well XXXX different open/close dates XXXX. Doesnt this go against the FCRA Laws?
Product: Mortgage

To Whom It May Concern : I am writing today to issue a complaint regarding the Sierra Pacific Mortgage Company , Inc. and its sub-servicer XXXX due to extreme mismanagement, miscommunication and misinformation on their part. For no discernable reason, my escrow account was recently analyzed and updated ( incorrectly ) and resulted in a more than {$300.00} increase in my monthly mortgage. Through a significant amount of legwork and initiating of communication on my part, I was able to get my escrow account reanalyzed and my monthly payment amount corrected for XXXX. Allegedly, a refund check was also issued ; however, I have yet to see it. This entire process has been arduous, confusing and extremely frustrating. To this day, I still have no answers as to why my escrow account was seemingly arbitrarily re-analyzed by the mortgage company. They refuse to answer my questions in that regard. The refund check that has been allegedly issued to me has also failed to arrive. 

This indiscriminate and sudden analysis that resulted in a significant increase in my mortgage payment is very concerning and at a minimum, indicates poor management. The issue has caused me a significant amount of financial hardship as I need to come up with an additional {$300.00} for this month 's mortgage payment. I have also spent an inordinate amount of time contacting the mortgage company to obtain updates, in addition to doing their legwork for them, as they seem incapable of initiating contact or doing their own research.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 XXXXXX/XX/year>
Product: Vehicle loan or lease

I was told my interest rate would go down after XXXX months of payments
Product: Debt collection

This debt was paid previously to another company. It is listed with the exact same account number listed and exact same amount owed. I sent the receipt with the account number to them. They are refusing to consider this a settled debt because it was from another company. I was notified by credit monitoring service that this was on my credit report. I first spoke with them on XX/XX/XXXX. I have not received a validation letter from them as of XX/XX/XXXX. The debt should not be with them at all because it was paid XX/XX/XXXX. My flawless credit is bruised because of this inaccuracy.
Product: Mortgage

Reaching out requesting assistance as other means have failed. 
Currently a deployed XXXX XXXX XXXX officer. In XX/XX/XXXX, I refinanced my home in XXXX, va with Mr. Cooper Mortgage company ; loan # XXXX. Each month I utilize my banks auto pay for recurring bills and it has worked flawlessly. Beginning a year later, XX/XX/XXXX, Mr. Cooper began sending me a check in the amount of my mortgage and then later sending me a notice of late payment. Each month I speak with a company rep to clear up the matter to only have it recur a month later. Reps had told me to tear up the checks and they will have funds applied to my account. The was told to cash the checks to repay utilizing their website. After 5 months of this and escalating within the organizations it continues to happen and now received a notice that I ow 3 months mortgage payments. I reported to the XXXX XXXX XXXX  and this did not solve the issue. Now I received a letter stating I have requested 'relief under the Service Members Civil Relief Act ( SCRA ) ', which I HAVE NOT Late fees are being charged despite records of my on time payment and confirmed by my bank, of payment. I have received certified letters notifying me of default on loan. 
My role within the XXXX requires a security clearance and can become compromised due to financial problems. 
Summary, I have paid each mortgage payment on time with proof and each time Mr. Cooper fails to apply my payment to my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED SEVERAL DISPUTES WITH ALL THREE CREDIT REPORTING AGENCIES IN XX/XX/2023 AND XX/XX/2023, I NEVER RECEIVED A REPONSE BACK FROM THE CREDITORS.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Synchrony Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Synchrony Bank the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and Synchrony bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Synchrony Bank never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.4 states that you must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to ( 1 ) the customer and ( 2 ) the consumer. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

This company keeps saying money is available when it says either rejected or above the limit!!!
Product: Credit reporting or other personal consumer reports

I am locked out of my Experian account. My account was clearly hacked and Experian instructed me to mail via USPS all supporting documents to them on XX/XX/year>, which I did. I then received an email telling me to login and change my password. 
The issue that I am having is that the Secuity Question had been changed to a question that I have never used ( I am not talking about the answer to the security question, it is the Security Question itself ). 
It is virtually impossible to get an Experian representative on the phone as the automated system simply boots me off the call and disconnects the call. 
Bottom line is that I can successfully request a password reset, and it is emailed to me just fine, the problem is that I can NOT get past the security question. I have my Experian Account number, my PIN, Access to the correct email and phone number on file with Experian. 
I can not get a person to help me, no matter what phone number I call! 
Also notable, is I am in the middle of buying a home and this is VERY time sensitive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a freeze on my credit reports - all 3 Credit Reporting Agencies as of XXXX. My Identity was stolen and I filed an Identity Theft report on XXXX FTC Report # XXXX. I am granted 7 years free credit alerts as a result. 

All 3 companies, Equifax, XXXX and XXXX have the freeze in place. All 3 have provided me with SPECIAL SECURITY PASSCODES if I need to access my information. Unfortunately, the only questions they ask are : My name, date of birth, social security #, and address - I've made numerous phone calls to all these agencies between XXXX and XXXX. None of them ask for the PASSCODE. I explained that that should be the 2nd question asked after my name - before anything else - to prove I am who I am ... ... they just told me they followed their security measures which are asking for the same answers that " the person who stole my identity '' has. I was very upset that a " XXXX XXXX '' or whoever stole my identity already has this information - and at no time did they DO NOT ask for my security passcode. They just tell me they don't ask for it. 
As a result of their " less than secure '' policy, on XXXX XXXX XXXX XXXX XXXX XXXX FL, even though I have a freeze - allowed someone to open a checking account in my name. Now I am getting collection notices for default from a XXXX XXXX XXXX. for {$92.00}. This shows up on Equifax as an Inquiry. I have NEVER dealt with this company and they should NOT HAVE BEEN ALLOWED to access my credit report. I also did not receive an alert of this inquiry being made. 

I believe the best form of security measure for anyone who has had their identity stolen that each of these companies adjust their security measures to ASK FOR THE PASSCODE immediately after a person 's name. I am quite upset that even though I have followed every possible measure to secure myself from further identity theft issues, all XXXX Credit Report agencies don't seem to protect the consumer - they just rather do their standard security measure of asking information the thieft has - which isn't working. 

I am asking that each of these reporting agencies specifically MADE NOTE ON MY CREDIT REPORT TO ASK FOR THE SECURITY PASSWORD THEY PROVIDED TO ME BY MAIL AND NOT ALLOW ANYONE TO RECEIVE ANY INFORMATION ON MY CREDIT, NOR BE ALLOWED TO MAKE ANY KIND OF INQUIRY. I also have opted out through the government website to not be mailed or allowed any institution to send me solicitations. 

There have been other attempts also to breach and steal my identity - XXXX, XXXX XXXX, XXXX XXXX Bank, XXXX XXXX and XXXX. 

Please help solve this problem with all 3 of these agencies - they don't seem to be following the rules and protecting me from further fraud issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX, have been a victim of Identity theft and have fraudulent/unauthorized accounts showing up on my consumer report that originated from identity theft. I do not have any knowledge of these accounts and my information apparently was in the Equifax data breach. I have been reaching out trying to get this cleared up but haven't made any progress, when talking to the companies and the consumer reporting agencies. 15 usc 1681c-2 states that consumer reporting agencies must block and remove accounts related to identity theft, I have included FTC reports showing the accounts originated from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have not been able to access Comenity ( my BJs credit card ) since Thursday of last week. I check my credit card regularly, making sure payments are applied correctly, that there are no charges applied that I did not make, that there are no unwarranted fees, etc. However, the website has been down for a minimum of 6 days. Every time I try to access it, I get a message about scheduled maintenance. I have searched on their XXXX page for answers and to see if I am the only one having this problem and have realized that hundreds ( potentially thousands ) of people are having the same issue. At the time of this report, there were over XXXX comments with the only response from Comenity being an automated response. Shockingly, there is an indication that this issue will not be resolved prior to XX/XX/XXXX. If that is accurate, the system will have been down for over 10 days. I have automatic payments that are scheduled to be made from this account and I dont know if theyre going to be on time now. My payment for this account is due soon and I have no way of paying it. I do not want to incur any charges or have my exceptional credit rating impacted by this problem. Please help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint concerning the unauthorized and inaccurate collection account appearing on my credit report with Experian. I previously invoked my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requested the debt collector cease all communication with me. However, they have continued to report this account to Experian, which constitutes a violation of my rights and negatively affects my credit score. This continued reporting also breaches the Fair Credit Reporting Act ( FCRA ), as the disputed information is both inaccurate and improperly verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against XXXX regarding an inaccurate credit reporting on my XXXX Credit Report. They are reporting a bankruptcy which was reported to them by LexisNexis. This was totally wrong and I contacted LexisNexis right away to get this corrected. As of XX/XX/2021 LexisNexis deleted this inaccurate bankruptcy from my records. After this was deleted I immediatley contacted XXXX and informed them that this bankruptcy was deleted by LexisNexis and that I want it now removed from my XXXX report as this was corrected by the data furnisher. XXXX AGAIN verified this fraudulent bankruptcy as accurate. This is my final complaint regarding this same issue before I file a lawsuit against XXXX  for violations of the fair credit reporting act. I need this bankruptcy number XXXX to be deleted from my XXXX credit report.
Product: Credit reporting

Im am in the process of disputing items that i believe to be incorrect on my credit bureau. Ive attempted to place a security freeze on my account with Sagestream and they continue to state they cant verify due to not being able to read the fax after three times. I then sent a certified letter to them to ensure that the information was clear and that they received it. I have left multiple voice messages with the company and havent gotten a return phone call. This is interfering with me taking care of serious issues in regards to my account
Product: Credit reporting

Experian has a Medical collections recorded on my credit report for my step son. that was paid in full over 2 years ago that they will not remove. 

I understood medical collections was not to remain on credit report. They have refused to remove it, which others have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX credit report and it disclosed 6 accounts in derogatory status. I recently discharged from a chapter XXXX bankruptcy on XXXX XXXX 2017. I contacted the debtors whom advised me to make a complaint with CFPB.
Product: Debt collection

Experian is currently reporting on my credit report an account from XXXX XXXX. This account is for XXXX XXXX in the amount of XXXX dollars. This file is incomplete and inaccurate. The account did not arise from a written contract between myself or any of the above mentioned parties.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received a XXXX from the Barclay Bank located in XXXX, Delaware in XXXX of this year. Between the months of XXXX and XXXX, these are my actual charges I made on this XXXX account : {$500.00}, {$100.00}, {$470.00}, {$620.00}, {$480.00}, and {$48.00} ( total of my charges {$2200.00} ). My total line of XXXX was {$2500.00} ( {$2500.00} minus {$2200.00} = {$260.00} ). The available balance on this account is only {$260.00}. Then, I received a letter in XXXX that my line of credit has been reduced by {$800.00}, and my new line of credit is now {$1700.00}, with around {$300.00} available credit left. I did not add any fees or interest with my charges, because any fool just made up fees and interest that were not right. When I asked how they got the fees and interest, I never got a straight answer. None of the statements will be accurate, new fees and interest are just put on the account each month. I make payments each month on this account, on time and with no late payments.
Product: Debt collection

Remove the fraudulent accounts ( XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) from my credit report immediately. Your non-compliance puts me at risk and violates the law. Comply now or face legal action.
Product: Debt collection

Continuing to attempt to collect on a debt that was discharged in a chapter XXXX bankruptcy 3 years ago.Was an ineligible student at an ineligible school that is not accredited in the United States. This makes the debt dischargeable in bankruptcy. Company has been notified multiple times of this fact and continues to attempt to collect. The company is NOT a nonprofit. These facts in place means the loan is able to be discharged in bankruptcy. They continue to report negative information on my credit report denying my right to a fresh start and causing much distress
Product: Student loan

I have been doing public service as part of the loan forgiveness program. For the first year, I worked for the XXXX XXXX XXXX of XXXX XXXX. I completed one year, with six months of it as a regular employee and six months as a contract employee. Despite several submissions by me of the correct form signed by the XXXX XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX  is refusing to recognize 6 months of payments made as part of the loan forgiveness program. They first said the form did not use the four digit year when signed by the Human Resources Department or come up with some other invalid reason not to recognize my time as public servant. This is a pattern that has been part of the lawsuits against XXXX and others to not recognize the hard work of public service and assist people with the Loan Forgiveness Program who are doing this work.
Product: Checking or savings account

I called chime to file a dispute on my account. They filed multiples and then closed my accoun5 after I asked for documentation of these disputes. I was contacted by XXXX and was told that chime disputed a charge for XXXX and wanted their payment. I told them chime already paid it back in XXXX. Since Chime closed my account without valid reason, I can't access anything to see where that money is.
Product: Mortgage

In XX/XX/XXXX 2014 my previous mortgage company XXXX XXXX ), sold our mortgage to Carrington Mortgage Services XXXX a branch of XXXX ) without any prior notification that this was even being considered. I do n't think mortgage companies should be allowed to sell our mortgages without any input from consumers. I was n't even notified that they acquired my mortgage until the XX/XX/XXXX 2014, almost 3 months after they bought it. I am an active duty military member and stationed XXXX XXXX my wife and kids are located in the XXXX area of XXXX state XXXX and the property associated with this mortgage is located in XXXX and is a Veterans Administration loan. 
When we discovered that Carrington Mortgage Services bought my mortgage, we called them to get some information as to what I needed to do to keep paying my mortgage, but their mortgage associate who we spoke to did not have any answers to any of our questions and we had to question what exactly was her purpose. They are not very helpful at all, and in fact is one of the worst customer service I have ever seen in any company. They then threatened to foreclose our home. We had to request a mortgage modification loan to get our mortgage back on track and end the foreclosure action. 
Once we started the mortgage modification process, they sent their associates in the local area of my property to take pictures and determine if the home was occupied. They did this on numerous occasions although we already informed them that our son and mother-in-law were living in the home. We had to send in all my documents they required for the mortgage modification on four separate occasions because they claimed that they did n't get it, or was somehow mis-placed in their facility somewhere. We faxed all our documents to them and also scanned and up-loaded them on their website as a backup. Hence, their excuses about it being mis-placed is nonsense. We honestly believe that they are simply incompetent and the myriad of departments they have do n't always communicate with each other.