23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX of XXXX, my student loan was sold to Aidvantage. I set up automatic payments. My payment was for {$150.00}. That first payment said I was delinquent and owed an additional {$52.00}. When I contacted the company I was told multiple different things including, I need to pay the delinquent amount, they dont know why my accounts were not paid and that this was an oversight that would have fixed itself if I left it alone. Essentially, the company has paid XXXX out of XXXX of my accounts. This continued to show delinquency through XXXX when I called them again and contacted the Federal Department of Education and filed a formal complaint. In XXXX, Aidvantage acknowledged I overplayed the account and would remedy past payments to reflect accurate payments of all XXXX loans. They also said due to overpayment they would modify my payments for the next XXXX payments ( XXXX and XX/XX/XXXX would be {$52.00} and XX/XX/XXXX would be {$18.00} ). On XXXX XXXX, I checked my bank account and saw a pending transaction from Aidvantage for {$110.00}, I double checked my account on Aidvantage which stated my payment of {$52.00} was pending, however, the next day the transaction hit my account at {$110.00} and I also received a new notice from Aidvantage that XXXX and XXXX payments would now be {$110.00}, with no prior statement to change for XXXX. When I contacted Aidvantage about illegally taking more than double the payment from my account, they only responded that they were legally in their right. With this payment I also received a notice that despite my overpayment of more than double what my statement was, I was also delinquent again on my account. I have tried numerous times in XXXX and XXXX to contact Aidvantage to rectify the problem and they will not respond to my requests. On XXXX XXXX I paid the next payment of {$110.00} and today, XX/XX/XXXX, I received another delinquency notice of {$52.00}. I am tired of being told I am delinquent each month, having failure to have Aidvantage respond to each request and Aidvantage failing to properly pay my loans from my automatic payments.
Product: Credit reporting

In 2013 I was hospitalized on an emergency basis at XXXX XXXX XXXX and incurred over {$100000.00} in medical expenses. I signed XXXX financial agreement, and XXXX billed the charged under XXXX account, and sent me XXXX bill. 

XXXX assigned the billing to California XXXX XXXX who has listed the debt as XXXX SEPARATE DEBTS on my EXPERIAN Credit report. I have disputed this, yet Experian continues to falsely report XXXX SEPARATE accounts as being delinquent.
Product: Debt collection

I received a letter in the mail about my information being linked in a data breach but im just noticing this issue.
Product: Mortgage

[ THIS IS A RESUBMISSION OF COMPLAINT NO. XXXX, FILED AGAINST XXXX ON XX/XX/XXXX. ] On XX/XX/XXXX, we refinanced a home with USAA ( d.b.a. XXXX XXXX XXXX XXXX ). Because we just today sold the home and pulled out some old paperwork, we realized we were never contacted by USAA after we complained during the closing that we had never obtained a Good Faith Estimate. Thus, when the HUD-1 arrived, we were surprised by some of the numbers. When we told the settlement agent, she advised that we write on the closing  documents that a GFE had not been received, and that she would speak with the lender about it. ( The lender also said we could delay closing but that our rate lock would expire if we did so. ) If there is anything that can be done at the juncture, we would appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Product: Credit reporting or other personal consumer reports

This letter serves as formal notice that your agency is reporting inaccurate, misleading, and legally impermissible information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and federal Bankruptcy Code 11 U.S.C. 524.

Specifically, my credit report reflects an account from as outstanding, charged-off, or delinquent despite the fact that this debt was included and discharged in my Chapter 7 bankruptcy, XXXX XXXX XXXX, filed on XX/XX/year> and discharged on XX/XX/year>. 

Violation of the Bankruptcy Discharge Order ( 11 U.S.C. 524 ) Under federal bankruptcy law, any attempt to collect or misrepresent a discharged debt is a direct violation of my bankruptcy discharge injunction. By continuing to report this account inaccurately, you are engaging in illegal collection activity, which could subject you to severe penalties. 

Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Under the FCRA 15 U.S.C. 1681s-2, information reported to the credit bureaus must be accurate and verifiable. Reporting an account as delinquent, charged-off, or with a balance post-bankruptcy is a blatant violation of this requirement. If you can not verify the accuracy of this reporting with legally sufficient documentation, you are required to remove it immediately. 

Violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) If this account is being reported or managed by a debt collector, continued reporting after a bankruptcy discharge is an unlawful collection attempt in violation of FDCPA 1692e ( 2 ) ( false or misleading representation of a debt ) and 1692f ( unfair practices ). 

IMMEDIATE removal of this account from my credit report, as it was discharged in bankruptcy. Failure to comply within XXXX  days will result in the following actions : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for willful violations of the FCRA, FDCPA, and Bankruptcy Code. 
A lawsuit in federal court for statutory damages, punitive damages, and attorneys fees for each willful violation of my legal rights. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX / XXXX
Product: Vehicle loan or lease

I emailed the CEO of USAA in regards to late payments reporting inaccurately on my report. A rep from the CEO office called me and I informed them of the months that was reporting falsely on my XXXX XXXX & XXXX report. I sent my bank statements showing each month and my payment for each each month. Another rep called me and said that they see on time payments for all months except 3. But I clearly sent them my bank statements. The months that are reporting inaccurate are : XXXX, XXXX, XXXX & XXXX of XXXX. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. 
XXXX, and XXXX of XXXX. 
They asked me to fill out and submit a Consumer Report Dispute Form which I did on XX/XX/XXXX and they keep sending me this form without correcting the inaccurate information.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX  representative engaged in deceptive or unethical practices. Took out a loan without informing me.
Product: Credit reporting or other personal consumer reports

None of these belong to me. 

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: Money transfer, virtual currency, or money service

Reference : Coinbases transfer to a FRAUD SCAM Brokers : XXXX XXXX I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. 
The funds were transferred utilizing Coinbase 's services in the total amount of XXXX EUR! 
I would also like to point out that on XX/XX/2019- I filed a dispute with Coinbase.
Product: Vehicle loan or lease

JD Byrider sold me a used car with a warranty package in XX/XX/XXXX. The loan was financed by their lending company CNAC. The warranty package was expensive but designed to keep the car on the road. In XXXX of XXXX, the car could not be inspected because the frame rusted through. This was determined by them ( JD Byrider ) via the warranty package and an independent dealer I paid for a 2nd opinion. The car was basically junk and after much discussion I offered a {$1000.00} to settle the loan. They ( CNAC ) accepted the settlement offer and reported the trade line to the credit reporting agencies as a CO ( charge off ) instead of SIF ( settled in full ). Had the frame not rotted through, this loan would have been paid in full. I am requesting they correct how they reported this to all the credit reporting agencies. On XX/XX/XXXX, I received a letter from CNAC stating they reported certain information inaccurately and made the corrections. The account status was listed as Charged OFF on the paperwork they sent. 

I am XXXX with limited income. At some point I will need to purchase a vehicle and their reporting will be damaging to me, possibly resulting in a higher interest rate, which I can not afford. 

Additionally, after I paid the settlement amount agreed on, they called me again demanding payment. This company runs on the premise of helping people, but based on my experience, this is just a front to sell junk vehicles with expensive warranty packages to people with limited incomes.
Product: Debt collection

Mountainland Collections is reporting an attempting to collect a debt for which I do not know of or owe. The original creditor is some law firm and they do not answer the phone ever. They have horrible reviews online and this debt is old.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX Past due balance in the amount of XXXX Also attached to the address XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX opened XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX amount for bill XXXX have no knowledge of any of these accounts having my permission to have been opened. 

Not only did I not open this account I have also never stayed at the address listed.I have tried calling the creditor along with XXXX, nothing has changed I would like for this to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX SENT ME THESE TICKET NUMBERS AND XXXX # THEY ACKNOWLEDGED THAT THEY SHOWED MY PAYMENT WERE RIGHT BUT THE CREDIT REPORT COMPANY SHOWED LATE. THESE NUMBERS WERE SENT TO ALL THREE CREDIT AGENCIES TO CORRECT PROPBLEM. 

DOVENMUELER MORTGAGE SHOWES MY PAYMENTS ON THIER SYSTEM BUT WANT ME TO SUBMIT THEM IN WRITING. I HAVE OVER THE DOVENMUELHER DISPUTE PORTAL AND CHATED My credit report shows I have been late since the forbearance in XXXX till this year XXXX shows my late 30 days. No one will refinance my XXXX Dovenmuehle check credit they will not touch me on a refinance. 

If you believe incorrect information has been reported to the credit bureaus for your loan, you may submit a written dispute to our Research Department at one of the following : Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fax Number : XXXX Email : XXXX Please include your loan number on your inquiry. In addition, please enclose a copy of a credit report that reflects the disputed information, and all relevant supporting documentation that is available to you. This information will disappear when this chat has ended. As such, you may wish to copy anything you would like to reference in the future. 
Thank you for waiting. Our records indicate we analyzed your escrow account on XX/XX/XXXX, At the time of the analysis you had an escrow balance of {$2900.00}, when {$3500.00} was required. As such a shortage of {$6500.00} was determined. 
This shortage is a result of an increase in your county taxes. As such, we increased the monthly collection amount for county taxes from {$400.00} to {$420.00} Additionally, your home insurance has increased. As such, we have increased the monthly collection amount for home insurance from {$130.00} to {$160.00} These changes result in an increase of {$56.00} to the monthly collection for your escrowed items. 
Additionally, we spread the shortage over 12 months, adding {$540.00} to your monthly payments to assure the proper amount is collected for future disbursements. This shortage spread, combined with the increase of {$56.00} to your escrowed items, results in a total increase of {$600.00} to your monthly payments. Your monthly payment amount has been updated to $ XXXX, effective with the XX/XX/XXXX payment. Your new payment breakdown is as follows : Principal and Interest : $ XXXX County Tax Payment : {$420.00} Hazard Insurance Payment : {$160.00} Shortage Payment : $ XXXX Total Monthly Payment : {$1700.00} This does not fix my late payment on my credit score, I made my payments as per my Mortgage Statement the amount said was paid XXXX, XXXX, XXXX and XXXX, XXXX, XXXX, XX/XX/XXXX. All of these payments have been marked late. 
I paid as they said after forbearance in XX/XX/XXXX. They should have not reported as late. Thank XXXX XXXX WORKING WITH XXXX CREDIT REPORTING AGENCIES. 
Escrow Inquiry ( Ticket # XXXX ) ( XXXX $ XXXX ) Authorization Request ( Ticket # XXXX ) ( XXXX XXXX  XXXX ) Inbox
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to fix this problem with the credit bureaus and sent them a dispute letter to delete an account that is not reporting correctly. 

This account has been paid in full and I want it removed from my report. Somehow they still haven't deleted it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account 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 15 U.S.C 1681 Section 602 A States I have the rights to privacy 15 U.S.C 1681 Section 604 A States A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request a credit report from Experian and find that there are 3 inquiries that I did not recognize as followed : XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX ME XXXX ( XXXX ) XXXX XXXX Address ID # ; XXXX Date XX/XX/XXXX Reason Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX/XXXX XXXX No phone # available Address ID # : XXXX Date XX/XX/XXXX Reason Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX XXXX Address ID # : XXXX Date XX/XX/XXXX Reason Business. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The account number XXXX from XXXX XXXX XXXXXXXX reporting of late payments in XXXX of 180 days past due and XXXX are incorrect and needs to be deleted immediately. I disputed this issue but was not resolved .im requesting Experian to delete this account effective immediately since it did not provide me with sufficient evidence and did not receive any information from the bank detailing this report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX incorrectly reported a XX/XX/2021 30 day late to my credit report. XXXX XXXX XXXX XXXX responded that it was XX/XX/2021 and I have attached the statement. Now Equifax needs investigate the erroneous statement. Equifax is not to verify if the account belongs to me! Not verify my name, address etc!!! Equifax needs to follow the federal law to report accurate information. My report says XX/XX/2021 30 days late and XXXX XXXX XXXX XXXX told consumer finance XX/XX/2021! Erroneous reporting is illegal! Give XXXXXXXX XXXX the 30 days the law says to rectify. The law doesnt say verify address as a solution to my complaint.!
Product: Credit reporting or other personal consumer reports

I recently found out I was a victim of the XXXX XXXX XXXX. My personal information was compromised leading to improper and illegal use of my credit report. This data breach caused incomplete, inaccurate and fraudulent account information to appear on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

File an complaint on my hsn account number XXXX my credit card been cutoff since year of 2001 my credit card been forergy bye some one vandalize my home while credit card was in my home & purchase some items off my credit card charging me for the items been purchase.
Product: Mortgage

Beginning in XX/XX/2018, I have contacted Rushmore Loan Management Services 12 times, asking them to remove my Mortgage Insurance from my payment. At my home 's current value, I am well below 78 % LTV. Rushmore keeps sending me notices that I am above 78 % because they are assuming my home 's value is the loan amount from my refinance 7 years ago. Each time I have contacted them, I have requested they appraise the home or re-evaluate the value to bring it up to date. I have also sent them the state tax assessment which shows a higher value. I was told I can not speak directly to anyone in their MI or Escrow department. This is costing me over {$100.00} every month that they refuse to make the change.
Product: Credit reporting, credit repair services, 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.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 1681 c. ( a ) ( S ) 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. 1681 s-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: Mortgage

RoundPoint Mortgage grossly misrepresented the terms of a mortgage refinance by providing an interest rate not based on my creditworthiness. The inaccurate representation of my eligibility by RPM resulted in direct financial harm to me. Their offer, based on speculation, was provided with the intent of influencing my selection of a mortgage servicer. Such information did influence my decision to select another mortgage servicer, who completed the transaction at higher immediate and long-term costs than I would have otherwise endured if RPM had completed the transaction based on accurate information. 

After closing my initial refinance application without my consent and without notifying me, eliminating their previous 3.00 % offer, XXXX XXXX of RPM stated on XX/XX/XXXX that, because " the market has been incredibly volatile the last month or so, '' my " going rate for [ my ] same profile would be 4.125 %. '' At the time of this second offer from RPM I had not provided additional borrower information since my initial application, which yielded the 3.00 % rate, so XXXX XXXX 's offer was based on borrower information I had provided during the first ( and later cancelled ) refinance application through RPM. 

XXXX month prior to this second, higher offer from RPM, mortgage interest rates ( XXXX fixed ) were 2.875 %. An inquiry with another servicer on XX/XX/XXXX yielded a rate of 2.875 %, consistent with the national average at that time. Exactly XXXX month later, on XX/XX/XXXX, the national average was approximately 2.875 %, representing little net change. During that month, the national average XXXX fixed refinance rate peaked at 3.06 %. 

On the same day ( XX/XX/XXXX ) that RPM offered to lock in a rate of 4.125 %, a separate servicer locked in an offer of 3.25 % using the same borrower information RPM received for their processes. 

A review of my credit history in late Spring of XXXX did not show an inquiry by RPM for the second offer of 4.125 %. 

As my current servicer at the time, RPM 's refinance offer included significantly lower closing costs than the servicer which offered an accurate rate. The switch to a new servicer also delayed the closing of the refinance, prolonging payment under the loan 's original and much higher interest rate. Therefore, the misrepresentation of my eligibility caused immediate and long-term financial harm.
Product: Credit card

My shell XXXX  card was charged for gas or miscellaneous that i did not purchase. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I realized this when checking my statement that the gas was more than my tank would allow and checking further it was taken in XXXX XXXX I called Shell to resolve the issue, but to no avail. 
They said I had similar previous charges on my card. So after further investigation I found more fraudulent charges, but I had already paid them and because of autopay I didn't even know. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now every month they are charging me XXXX late fee and interest on charges that are not mine. I called a XXXX times and they put me on hold then then hangup I am getting nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bad report was listed under Experian Credit Score. We disputed with Experian. We contacted the filer of the report, XXXX XXXX XXXX ( or according to person the actual name is XXXX XXXX XXXX ). Experian report shows entity name as XXXX XXXX XXXX. Were told the initial collection request came from XXXX XXXX and XXXX XXXX. We contacted XXXX XXXX and XXXX, they showed no policies for us that had any collection attached. We then contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) again who stated that the birthday and home address were not the same as they showed for the collection.However, it was put on our credit report. We have been speaking with Experian agent who stated we should file either a police report or complaint to you for additional supporting documentation. 
Also, we have never received any notifications from XXXX XXXX and XXXX or from XXXX XXXX XXXX. 

Thank you