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

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX  - BALANCE {$3700.00} Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX- BALANCE {$3200.00} Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Checking or savings account

XX/XX/XXXX : Closed account XX/XX/XXXX : No check had arrived, so I contacted them and submitted a declaration of lost check XX/XX/XXXX : Submitted a corrected declaration of lost check XX/XX/XXXX : Contacted again after check had still not arrived XX/XX/XXXX : Issue closed and told check had been mailed and would take 7-10 business days XX/XX/XXXX : Still no check - contacted again, told that check had not gone out and was told to expect a response in a day or two on what happened XX/XX/XXXX : Still no response
Product: Credit reporting or other personal consumer reports

I'm disputing inaccurate personal information again on my consumer report. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my current employer is XXXX XXXX XXXX My address and employment details must be updated to reflect accurate and up-to-date information. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, consumer reporting agencies are required to maintain maximum possible accuracy in all reported information. Any failure to investigate and correct these errors is a willful non-compliance under 15 U.S.C. 1681n, subject to {$XXXX} per violation. This dispute is submitted for a permissible purpose under 15 U.S.C.1681b. I demand an immediate investigation, correction of my address and employment records, and written confirmation of these updates.
Product: Debt collection

Date Opened XXXX XXXX XXXX  
Balance XXXXXXXX No action taken
Product: Student loan

I was originally told on XX/XX/2022 that it would take 4-6 weeks for a refund for payments made during COVID under the CARES act. I am now being told it will take 10-14 weeks. This is not consistent with guidance provided earlier. Please assit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 12 accounts on my credit report that are not mine they are part of a identity theft case that I am going thru I have reached out to the three bureaus regarding this I have reached out to the furnishers and yet nothing there. I have opened an FTC report regarding this I spend days writing letters and getting on the phones to reach the furnishers and bureaus I am getting tired of this run around I need these accounts off my credit report. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt or credit management

Experian allows XXXXXXXX XXXX XXXXXXXX to report on my credit report without evidence of providing validation. XXXX XXXX  XXXX and Experian are harassing me and illegally obtained my information and placed me into collections without sending validation of debt. XXXXXXXX XXXX XXXXXXXX is attempting to collect a debt not owed and hasn't validated the debt. I did not provide my information to XXXXXXXX XXXX XXXXXXXX so they are illegally accessing my personal information and harassing me which goes against consumer rights per FTC, 15 U.S. Code 1692c, Under this Act ( Title VIII of the Consumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. This does not comply with disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply however you have chosen not to meet the legal requirements of the law. XXXX XXXX  XXXX has no legal right or obligations to me and has illegally placed me in collections without providing original validation of debt and other instruments. This company needs to be investigated for illegally accessing SSN, Email Address, Phone Numbers, and other personal information without my permission. I hereby request cease and desist. As stated before this is illegal. XXXX XXXX  XXXX needs to provide me with copies of all documentation associated with the account and bearing either a court order to place this information on my credit report or my authorization of release bearing my original signature. To be in full compliance with the FCRA laws and guidelines all the information listed under public records needs to be immediately deleted Per the FCRA section 609 ( A ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report.
Product: Mortgage

PHHMortgage holds mortgage with collection being managed by XXXX. Previously, processing was through PHHMortgage directly but moved to their XXXX legal entity. We signed agreement in XXXX that XXXX was to release the escrow for our property taxes by XX/XX/XXXX. They failed to do this. It is now XX/XX/XXXX. 

Placed call and through several customer service escalations we were told conflicting information : 1 ) The check was mailed to us on XX/XX/XXXX 2 ) XXXX didn't know if it was sent to us or the local tax office ( I personally confirmed, this has not been received by local tax office ) 3 ) XXXX was not sure if it was actually issued I have discovered the company is working through multiple legal entities operating out of same business address and is operating their debt collection services out of overseas offices. This may or may not be a legal arrangement, but I am concerned that I have been victimized by a shell organization and that i will never get my money back. 
The varying responses from customer services indicate the staff has been given only cursory information to communicate to callers and have no access to information indicating they are aware of any actual mortgage processing activities specific to my account.
Product: Vehicle loan or lease

Chrysler Capital restricts payments to {$2000.00} or less per day on their online system. This prevents consumers from paying off their loan.
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

accounts contain incorrect information such as late payments and missing payments that affect my history also accounts in collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to XXXX USC 1681 section 602 ( a ) states I have the RIGHT TO PRIVACY. 

XXXX XXXX XXXX XXXX Account # XXXX in the amount of {$930.00} XXXX XXXXXXXX XXXX Account # XXXX in the amount of {$250.00} XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX in the amount of {$600.00} XXXX XXXX XXXX XXXX Account # XXXX in the amount of {$1200.00} in the amount of {$970.00} are in Violation of the LAW. 

15 U.S.C. 1681 section 602 ( a ) section ( 2 ) A consumer reporting agency can not furnish an account without my written instruction 1681b. Permissible Purpose of consumer reports ( a ) In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer, to whom it relates.
Product: Mortgage

In XXXX we fell behind two payments due to personal reasons, once you get behind for more than 60 days they would only accept all amount due in order to continue with regular payments. They offered us a " Mortgage Reset " program, we would pay 3 payments over 3 months anytime during those months and after the third payment any past due amount would be tacked on to the back of the loan. 
We paid our first 2 payments XX/XX/XXXX and XX/XX/XXXX but in XX/XX/XXXX we were affected by hurricane Irma in Florida and had to purchase fuel, food and supplies in order to prepare. I called Mr Cooper and asked if there was any exceptions for hurricane victims and they said it would be ok to skip XXXX and resume XXXX and XX/XX/XXXX would be the date the past due payments would be placed on the back of the loan. 
When we tried paying again in XXXX the system would not take our payment so I called to have them do it over the phone. When they tried it would only accept a double payment but we did not have that much so they said we defaulted on the reset agreement. 
I called to get help from HUD and they said they would re-apply for the mortgage reset, after calling for 4-6 months being told it was still being processed each time I called they in XX/XX/XXXX they said it was approved and waiting on booking. In XXXX of XXXX they advised the Mortgage Reset is no longer a program they do so we would have to pay the total due over $ 12K which we did not have. 
We are a family of XXXX and have lived here for over 10 years now and they filed for foreclosure and are not interested in a modification since we had to do one 5 years ago do to a loss of job. 
We want to stay in our home. Please help us.
Product: Credit card

I tried to use my card thru XXXX XXXX on XX/XX/year> at XXXX XXXX  and it was declined I tired it again same thing tired I again and the same thing I left and went home to get the card. By that time there was a pending transaction say I paid XXXX XXXXXXXX {$76.00} and XXXX cancelled transaction for the same amount. When I got there I tired the card and it was declined but it said that I had paid XXXX XXXXXXXX on my account. Also I paid XXXX  each trip with no problem except for the last XXXX transaction was declined. So I go to freeze the card so no other transaction will go thru. Now they frozen my account saying it will take 3 days for an update. I have all my money there. My paycheck is deposited to that account. How am I to eat for 3 days. I use XXXX to get to work. How am I to get to work.
Product: Debt collection

I received a letter from a collector on behalf of kay jewelers/sterling in an attempt to collect a debt in the amount of XXXX dollars. The account that was opened with kay jewelers back in XXXX only had a credit line of XXXX and many payments were made to this account most for 180 per month over a year or so time span. with that being the case how can a debt collector get a debt amount from kay stating that I owe this amount? I have tried to speak directly to kay about this account and they will not give me any information and will not allow me to settle this debt with them now. Before this account was even charged off I had began a payment arrangement with them and even had made a payment for the monthly due but the representative stated that I would need to make a significant payment in order to not charge off the account even though the payment I made was enough to bring the account current, I was offered a settlement in the amount of XXXX dollars by this same rep in late XXXX and all I want to do is get all documentation regarding this account ( beginning balance, payments made to the account and ending balance ) and then settle this account in full immediately with kay jewelers. Please have an executive contact me so that I can discuss my issues with them and resolve this issue.
Product: Mortgage

My home mortgage was acquired by Chase ( without my consent, approval and contrary to my wishes ) and since then, Chase claimed that the prior carriers escrow analysis was in accurate and I would need to make a rather large payment to be in good standing. Since I have more than 20 % equity I closed out my escrow account and opened an account with a better bank who is now paying me a market interest rate ( verses almost XXXX  interest ) and make XXXX payments each month, XXXX to Chase for the mortgage ( p & i ) and the other to another bank for the monthly escrow account ( for the property taxes ). 

The problem now is a real killer, is that a customer in the USA can never speak directly to someone in the USA ; as Chase uses a call center located in a XXXX XXXX XXXX. In talking with Chase they are unwilling to provide me with a USA based call center or representative to reach out to should a problem arrise, without having to go through being verified and then explaining why I am requesting a representative in the USA before even possibly being transferred. This action is wasteful, degrading, discriminatory and insulting.

The reps have a hard time understanding simple English spoken questions that are without an accent or speech impairment. Plus being forced to deal with entities outside of the USA subjects my information to additional hackers and individuals that are not subject to US laws or criminal action. Again, Dealing with their current center is demeaning and wasteful of time. 

I have filed a complaint with the XXXX  and will continue filing complaints with any organization and governmental agency until Chase provides a US based call center contact information to me.

Visiting my local Chase bank was not an option per Chase Executive Offices. If I could move my 2.75 % fixed rate mortgage to another company for service, I would.
Product: Debt collection

I have told this company they need to stop calling and sending me emails and texts. Ive sent emails to their customer service address only to receive automated responses back. They refuse to stop trying to contact me and it needs to stop.
Product: Debt collection

I did not receive written notification or verification that I owe this debt. It is my belief that I am not responsible for this debt and this collector has used harassing tactics to try and collect this debt that is invalid, incorrect, and unverified. I have never been associated with this company and demand that they refrain from further contacting me and DELETE this item from my credit report. They have violated the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Debt collection

On XX/XX/2016 I was unable to use my bank account, called the bank and was told that the account had a receivership placed against my account from a law firm. I only received the notice of a lawsuit, I did not sign for anything. When I called the firm I was told that the only way to stop the block was to pay off the amount and was asked if I could " borrow '' or get a credit advance to pay it off. The firm is XXXX, XXXX. The number is XXXX. When I first called them to try and offer a plan I was told that I can only pay the full amount and that they have a hold on my account so nothing they can or will do. The first person was rude and unwilling to offer any help. I asked to speak to a manager and was put on hold for over 20 minutes then was hung up on. Tried calling back within 30 minutes and was kept on hold for hours. Talked to them the next day and was once again told that with them having my account nothing could be done.
Product: Mortgage

I am suffering from XXXX XXXX XXXX and my mortgage company will not help me with any kind of assistance. I could pass away at any moment, but I need to have this taken care of as soon as possible. SPS does not care about my health issues and simply ignores my financial problems and they do not want to help us take care of my problem. I don't want to leave this hanging and my doctor says now I am only on a medication remedy, and nothing further can be done. Please I am complaining to my mortgage company to come up with a reasonable plan that I can afford.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that remains on my credit report despite previous dispute file with your agency. 
Im bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined and 15 U.S. code 1666B under the billing error category ; ( XXXX  ) the creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. 
( XXXX ) A computation error or similar accounting error made by the creditor on a statement. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ratifications of late payments regarding the linked accounts. 
I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment resulting in an erroneous designation as late-a sign of an invoicing error therefore. 

The failure to correct or remove this information after my attempts to resolve it is in violation of my obligations under the Fair Credit Reporting Act ( FCRA ), As recently highlighted in the and the Consumer Financial Protection Bureau ( XXXX ) lawsuit against Experian ( case XXXX ) you also violated my Consumers Rights And Privacy under the 605B,1666B, 1681B and 1637B.Im a victim of the latest Data Breach. 

I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : paid as agreed.
Product: Student loan

I graduated from school with around {$35000.00} in debt. Being a woman, I was never able to make enough to even make a dent in the debt. Men always made twice or more than me. For ten years, I was only able to make the minimum payments and that was only after years of economic deferment which grew the debt. Then I had children and have been unemployed for a long time. Navient took over my debt which has now grown to {$80000.00}. They have nearly doubled it and even added an extra $ XXXX because of my lateness. I am now XXXX, in my XXXX, and so broke I have nothing, own nothing, struggle every day. I have told them I ca n't make payments and likely never will be able to. I ca n't even live comfortably and often go without food. It has been over 20 years since I graduated from college. Navient refuses to help and even when I gave them all of the information they needed, they still refuse to help. This loan needs to be discharged. It has been 20 years. They just harass me and keep my credit destroyed. Even if I made minimum payments, I would n't be able to repay this loan until I am in my XXXX. It is horrendous. It is a crime. And the education I received did absolutely nothing to help me financially - the biggest factor being because I am a woman. We will never be paid fairly. I wish I had known beforehand that I would never be able to pay these loans back. But I was told it would be fine, I would make money, I would easily pay these loans back. I was told it would be easy. I was XXXX when I signed up for the loans, not knowing anything about money or finance. I was lied to and misled.
Product: Debt collection

Portfolio Recovery is trying to collect on some alleged debts. The issue is they have furnished inaccurate information to the bureaus. They are not wanting to take responsibility for this issue. I have reached out to them several times. I have filed a complaint with the XXXX also have taken this to the Bureaus at least 5 times. I have supplied supporting documents each time and they keep verifying the information as accurate. This is hurting my credit as I am trying to buy a home. This collection agency refuses to do a thorough investigation. XXXX, XXXX and XXXX  are also failing to do a thorough investigation. I do believe the bureaus are supposed to do an independent investigation in which they have failed to do several times. PRA claims they have no supporting evidence but I have sent in a pic of my credit report as well as statements that show the different amounts. This company calls me a million times from several different numbers to try and collect a debt they've listed on my credit report when the information is inaccurate. This is absurd. 
Lastly I have asked for an agreement from them and proper validation of debt for these alleged debts they're trying to collect. They refuse to send me proper validation. I had some credit cards on my account I did not open they were opened by my ex husband while he was on XXXX Mailing me billing statements is not helping me any. Some of the original creditors have removed the debts from my credit because I did not authorize any cards to be in my name. PRA refuses to send me proper validation of these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the CARES ACT ... .. an accomodation includes " ANY '' payment assistance or relief granted to a consumer affected by the pandemic ... .my account was in good standing and current as agreed until XX/XX/2021... XXXXA late payment shows in XX/XX/2021... I am asking for relief and consideration for this payment to be reported and updated according to the accomodation of MILESTONE granting and waving a late fee during this time which constitutes an accomodation which qualifies under the CARES ACT. 
Acct # XXXXXXXX XXXX XXXX