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

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX,
Product: Debt collection

XXXX Banks from the office of Montgomery & Meyers contacted me this morning after yesterday she verbally abused my wife on her cell phone. I asked he again to please send me do documentation of what she was claiming and she told me that i had it and was lying. I asked her not to talk to me that way and to stop harnessing my wife, She told me that I needed to pay the debt. I again told her that I needed her to send me some sort of documentations which I had requested four times to be emailed to me. She refused. I told her that I have never been in court on this issue ( she said I was lying ) and that I have never been served with any paperwork. She then said " you know what I will just see you in court '' A threat and hung up.
Product: Mortgage

PHH Mortgage Corporation bought my mortgage from XXXX in XX/XX/XXXX. I make/pay my mortgage payment on the XX/XX/XXXX of each month using Bill Pay from  Bank ( XXXX XXXX ), the payment is intended for the following month. For instance I paid the mortagage payment Due XX/XX/XXXX on XX/XX/XXXX. I called PHH in XX/XX/XXXX when I received notice from them that they would be taking over my mortgage and confirmed that they had received the XX/XX/XXXX payment from XXXX and that my next payment due was for XX/XX/XXXX. I made a payment via XXXX XXXX  Bill Pay  on XX/XX/2019 to PHH Mortgage for the XX/XX/XXXX Installment. I then made a payment via XXXX XXXX Bill Pay on XX/XX/2019 to PHH Mortgage for the XXXX Installment. I then went online in XXXX and noticed that neither payment had been received/posted. I called PHH Mortgage and they gave me numerous excuses about why payment had not been posted. They said I put the wrong company name on the payment and then later said it was because I had the wrong account number. They demanded proof of payment from me. I provided my bank statement from XXXX XXXX  showing the ACH payments had been made to them. I even had a representative from XXXX XXXX  call them. They finally posted my XX/XX/2019 payment however they are still refusing to post my XX/XX/2019 payment. My husband and I call every day and the only people we have been able to speak with are in XXXX. They speak very little English and they do not have a solution. On a call three weeks ago they finally told us that they had received our XX/XX/2019 payment but because " we put the incorrect account number on the ACH '' they posted the monies, totaling {$1600.00}, to another account. This was a closed account so they then sent a refund of {$1600.00} to that individual who used to have that account. We are now being told that until and unless those individual return those monies they can not and will not apply the funds to my account. I do not believe this is acceptable. I have a very high credit score and have NEVER missed a mortgage payment. This company is refusing to help and I can not speak with anyone with any kind of authority who can help get this resolved. To make matters worse I am in the process of selling my home and very shortly will be paying off this mortgage. I fear that if this doesn't get handled ASAP PHH will keep my {$1600.00} and I will be out the money. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased the car in XXXX at a purchase price of less than $ 10K. XXXX repossessed the car in XXXX and reported to the credit bureaus that I owe a balance of more than $ 10K. The car was auctioned off in XXXX. There is no way that I owe over $ 10K on a car that I had for 5 years and the purchase price was under $ 10K. XXXX needs to provide the signed loan documentation with the purchase and interest agreement. The balance reported to the credit bureaus is inflated. The documentation provided to the Consumer Financial Protection Bureau is a computer print out and does not prove the amount owed coincides with the loan documents I signed. XXXX also sent email payment confirmations to my email address that was a link to their site but I am unable to access payment receipts because my access to the account was removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the 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 XXXX XXXX ACCOUNT # XXXX BALANCE : {$360.00} XXXX XXXX XXXX ACCOUNT # XXXX BALANCE : {$11000.00} XXXX - ACCOUNT # XXXX BALANCE : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX BALANCE : {$390.00} XXXX XXXX ACCOUNT # XXXX {$500.00} XXXX ACCOUNT # XXXX BALANCE : {$120.00} XXXX XXXX  ACCOUNT # XXXX BALANCE : {$230.00} XXXX XXXX XXXX ACCOUNT # XXXX BALANCE : {$160.00} Inquiry - XXXX XXXX Inquiry - XXXX These accounts have resulted in several hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that are being maintained by you. I do not recognize the aforementioned accounts, and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report that are being 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 or other personal consumer reports

In XX/XX/2023 I subscribed to NAV in XXXX I tried to cancel and they took me through XXXX screens that say deactivate and when I confirmed they charged me {$160.00} for the next XXXX  months. 

I tried to contact them and they say they do not do refunds but will give me XXXX of XXXX  months. I paid and used the service for XXXX months all I wanted to do was deactivate my account and now my membership is extended. If I cancel now they keep the money and I lose the service. 

I want a full refund.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX numerous times and requested my auto loan to be reported to my credit profile. I opened the loan XX/XX/XXXX. When I started calling XXXX  about the missing information, I was asked to upload my credit reports to their portal which I have completed XXXX times. I was then sent several letters for different reasons on why it wasn't reported. After calling and explaining the account has never shown on my report is when they stated the credit companies are verifying the account is reporting. I asked the CSR to provide me with the information that the credit companies stated this, they did not. I then received another letter stating that XXXX notice an issue with my credit profile and sent an update to the credit companies and this could take XXXX  days. That was XX/XX/XXXX, I believe. On XX/XX/XXXX I finally received a call from a manager after months of requesting someone to call me back about my issue. He requested I submit the documents yet again for the XXXX  time. On XX/XX/XXXX I called Experian and requested for my credit profile to be reviewed and the CSR verified that no car loan from XXXX was reporting and has never reported. She also stated there isn't an investigation shown on my report if there was, I would have received a letter in the mail. The CSR then created a case # XXXX and transferred me to the Disputes Department and that CSR advised I would need to call XXXX  and Request XXXX things 1. Full Account Number and 2. Subscriber Code. When I called the CSR XXXX informed me, she would provide me with the full account number she sent a code to my phone and then placed me on hold to find the subscriber code from someone else. Once she returned, she did not have the subscriber code she stated no one knows what that is, not even a supervisor. As of today XX/XX/XXXX, my XXXX XXXX XXXX has not reported accurately to my credit profile after XXXX  months of paying on time payments to the company.
Product: Credit reporting or other personal consumer reports

To provide context, my husband and I filed for XXXX  XXXX bankruptcy, with specific arrangements in place to exclude Carrington Mortgage from the proceedings. Unfortunately, Carrington Mortgage took legal action to include the mortgage, resulting in unforeseen fees totaling {$1000.00} being charged to our account. We firmly dispute this additional fee, contending that Carrington Mortgage should bear the responsibility for these expenses, given that they initiated the process of including our mortgage in the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one send me two pre qualified letters in the mail I did and it was denied and my credit was effective I try calling and was told there was nothing they can do
Product: Mortgage

I contacted Cross Country Mortgage regarding my lack of access to my online portal since my loan was transferred to them in XXXX. Ive spoken with multiple representatives who informed me that it could take 60-90 days for the issue to be resolved. However, it has now been nearly 120 days, and no one at the company seems able to fix this problem so that I can make my online payments.
Product: Payday loan, title loan, personal loan, or advance loan

I took out my initial Personify loan in XXXX as a fresh college grad naive to lending. Over the years personify continually offered me refinancing with a noticeably lower APR which came off as a positive thing. I now know this is common among predatory lenders. 

As of XXXX Im on my 4th refinanced load. I last refinanced in XXXX and spent a whole year paying and little to no of my payments went towards my principal, all went to interest. Another common act of a predatory lender. 

As of now I have been struggling with my payments due to a change of paydays on my new job. Personify recommend that I let my account go 30 days past due so I can negotiate a lower monthly rate that lines up with my pay schedule. This was an out right lie. I let my account go 30 days past due at their recommend and now they tell me theres nothing they can do unless I want to take a payoff agreement which requires me paying over {$2000.00} in lump sum which I do not have or I would not be in the predicament.

Personify provided me with advice that put me in a worse situation that if I wouldve just continued with things the way they were. Theyre practicing predatory lending and do not help people with a way out. They are distorting my XXXX credit score with their bad advice and now I cant afford to buy myself out of the situation they put me in.
Product: Credit reporting, credit repair services, or other personal consumer reports

My fraud and identity theft issue first began on XX/XX/2021 on which date my XXXX e-mail account and XXXX XXXX XXXX account were both hacked and compromised. I immediately changed my XXXX e-mail account password and regained control of that account. I reported my XXXX account as hacked and compromised but still am unable to obtain access into that account as there is a 2-step verification ( 2-factor authentication ) code generator which was activated by the hacker. 

I received an e-mail alert from XXXX XXXX on XX/XX/2021 that a hard credit inquiry for a home mortgage loan was placed on my credit reports for XXXX, TransUnion, and XXXX. The lender appearing on each of my credit reports as making the inquiry is XXXX XXXX XXXX. I immediately contacted XXXX and was informed that they did not have any records of a home mortgage loan or credit card applications in my name or social security number. Therefore, XXXX further advised that there no records of them checking or inquiring into my credit. 

I then contacted each of the 3 credit bureaus and filed disputes for the inquiry and also placed credit file locks, security freezes, and fraud alerts on my credit accounts. The inquiry dispute has already been resolved with XXXX as they deleted and removed the inquiry on my credit report. The disputes with TransUnion and XXXX are still open and remain pending at this time as the hard inquiry still appears on my credit reports with them. 

I also filed complaints with the Social Security Administration - Office of Inspector General, the Internet Crime Complaint Center, the Federal Trade Commission ( IdentityTheft.gov ), and my local police department ( XXXX, NJ ).
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company {$2100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

after trying to receive a loan through XXXX XXXX loan i was told that there was a security freeze on my equifax file, i proceeded to contact equifax where they asked for me to fax over a copy of my social and my drivers license. After having done that i called them back a few days later and was told that everything was clear. I tried getting the loan again and i was faced with the same issue again that there is a freeze on my credit file. I contacted equifax again and this time i was told that i dont even have a credit file with them. So if i dont have a credit file then what freeze was removed??? contacted my banks and credit cards and was notified that my credit is being reported to equifax. proceeded to make 3 calls and talk to 4 different supervisors at equifax and still no luck i was told that i need to contact my banks again and wait 90 days for it to process.
Product: Credit card

In XX/XX/XXXX I received a bill stating that my payment was late. I called to dispute this as the payment was due on XX/XX/XXXX and I had sent the payment on XX/XX/XXXX, which was confirmed by the customer service rep I spoke to. He told me that my bill went out on XX/XX/XXXX so that payment was not credited to my payments. He told me that he would fix it and asked me not to make a payment before the XXXX of the month prior to my bill being due. XXXX I am once again receiving information that my payment is late. I paid the bill due XX/XX/XXXX on XX/XX/XXXX. I again called customer service and she told me the late fee was never taken off my account. She tried to help me as much as she could but it seemed that her hands were tied. In speaking with her she informed me that I am being charged interest. That threw up another red flag for me as this was a XXXX percent interest promotion when we made this purchase. We have NEVER been late on a payment, and looking back we have been charged interest since XX/XX/XXXX. Not to mention the late fee that was never removed and now we are being charged interest on that.
Product: Mortgage

There has been an ongoing issue with misinformation, lying, lack of details, delays of when things would be done, delay tactics of changing relationship managers, personnel not returning phone calls, etc. with my modification on home mortgage with US Bank. Absolute horrendous experience from the start. Was told by US Bank that process to final modification would be 30-45 days. That was XX/XX/XXXX, it is now XX/XX/XXXX and I am still not at the final process. This time they are blaming it on waiting for HUD for a variance.
Product: Credit card or prepaid card

I have a Bank of america Business credit card for my small business ( LLC ). 
This credit card and the associated website is very confusing. If one has to call the customer service - it's at least 45-60 minutes of wait time - transfer from one department to another. 
I remember that i had setup the auto pay but it failed. I was charged {$39.00} late fees. When i called them up - they waived it because i made the payment immediately. 

Now when i finally talked to them after being on the phone line for 60 minutes ... i come to know there is eBill which triggers autoPay. 

This card, website and everything about Bank of america business card is very weird, odd and unusual ( read not basic common sense ) compared to other credit cards. 

When somebody is paying the auto pay - it expect you to fill all the entries ... it doesn't give the option to the customers like : Pay statement balance Pay minimum balance It just says - pay a certain amount ( which will change every month - why customer has to keep on seeing it to setup - every time ) It doesn't give customers the option to pay on due date ... customer will pick up the date and that date might be passed due date. 

Either bank of america is doing it intentionally ( to get late fees or interests from the customers ) OR they have shortage of right talent ( who can think, design and implement it ). Of course they outsource all their work and pay pennies to the local hires - so there is a very high chance the quality of IT staff is the poorest.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/XXXX I disputed an account all three credit bureaus. The account which is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX well the account came back verified with all bureaus. Well in XX/XX/XXXX I  contacted the original creditor which was XXXX XXXX XXXX, I sent XXXX XXXX a Debt Validation letter. Well the original responded back, with a letter stating that the account was sold to XXXX XXXX, XXXX on date XX/XX/XXXX..i have enclosed a copy of the letter showing that they sold the account to XXXX XXXX on XX/XX/XXXX. I XXXX XXXX then sent a certified letter to XXXX XXXX on XX/XX/XXXX. I sent XXXX XXXX a Debt Validation letter which under the FCRA I am entitled to send a validation letter to the company that is reporting the account on all three of the credit bureaus. which is XXXX XXXX XXXX. I have enclosed a copy of the certified letter that was sent to XXXX XXXX XXXX on XX/XX/XXXX. I have also provided the copy of the certified mail receipt and the delivery notice that the letter was delivered on XX/XX/XXXX to the address provided on my credit report for the furnisher which is now XXXX XXXX. They received the letter on XX/XX/XXXX ... Well today is XX/XX/XXXX and XXXX XXXX has failed to respond to my certified letter dated XX/XX/XXXX..This is a violation of my rights and a violation of the law ... XXXX XXXX needs to remove this account from all three of my credit bureaus right now for the non compliance and the violation of my rights. Or I will be getting a lawyer to sue the company for the non compliance. This day of XX/XX/XXXX I have not received any paper work or any items showing that this is my account,, they have violated laws and rights under the FCRA and the FDCPA, This inaccurate account needs to removed ASAP from my credit file. XXXX had 30 days to respond and they failed. this company has violated local and state laws by not responding in a timely manner. I would like this account to be removed asap from all three credit bureau or I can go file a small claims suit. I have enclosed all paper work to show I did my part the company received the letter and yet failed to send me what I was entitled to now the company need to delete the account from my credit file. asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, In order to see your free credit report on Experian you have to submit credit card information after which they charge you {$20.00} a month for " credit monitoring. '' If you do not want credit monitoring there is no way to cancel it online and you have to call and sit on hold as long as an hour or more. 

We all as citizens are forced to deal with FICO it is not a choice, and are therefore without choice subject to using these for profit companies, in this case Experian. It is absolutely unreasonable that I should be forced into a situation where I have to wait hours on hold to not use there service that I never willfully chose in the first place. 

They are essentially exploiting consumers who they know need to check their reports by forcing them into more profitable paid services.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report, that do not belong to me and are deemed fraud. These accounts do not belong to me. I have reached out to XXXX, XXXX and Equifax to rectify the fraud accounts. These fraud accounts are hindered me and I need them removed asap. Below are the accounts which are fraudulent. 

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

2017 I opened 3 XXXX cards that were all paid off on time in full and XXXX stopped reporting the trade lines to all credit reporting agencies.