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

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Banks Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a mortgage account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my taxes were recently withheld this year for my student loans and they are still showing a high balance. XXXX XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX date of first deliquency XX/XX/XXXX. Still showing a balance of XXXX which should now be taken care of. Along with XXXX XXXX XXXX XXXX loan balance of XXXX. Opened on XX/XX/XXXX first deliquency of XX/XX/XXXX. Both education loans, both taken out of XX/XX/XXXX's taxes that I filed with my husband.
Product: Credit reporting or other personal consumer reports

I have sent a number of disputes pertaining to frauduleent and unauthorized accounts on my credit report. I sent the disputes letters out on XX/XX/XXXX and XX/XX/XXXX without any correction to the fraudulent/ inaccuracy accounts. This fraudulent accounts that I am referencing consist of the following XXXX XXXX XXXX XXXX The fraudulant inquiries the I am referencing consist of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pressler is a terrible harrassing debt collector. My debts are in order. Their info and constance for nearly 16 years! Must END. I do not owe XXXX I do not owe XXXX XXXX XXXX They are 3rd party charged off accts closed w my divorce attorney during my XXXX battle in XXXX. Please cease their mailings. I can not deal with any collectors! They were told repeatedly to stop. Their letters to my jobs. Enough! I am a patient at XXXX XXXX XXXX. I pay my home car and medical and utiluties only. I am not bringing back charged off debts from my 1st XXXX. Any accts were closed properly with XXXX XXXX years ago. Tell them to stop contacting me. I called NJ Ethics Div numerous times. I filed with CFB years ago. Why do they not cease!? My career js ending XX/XX/XXXX my co. Is not doing well. I am a XXXX patient and single parent. I am trying to find a new career and take care of my health. Please contact them asap. Also XXXX XXXX get them to remove off my credit report. My car was protected under lemon law in XXXX. They had a class action against them too. Please square away both. I am not well to handle all this unnecessary stress. Pressler XXXX of NJ first and foremost has incorrect and old old old info They buy charged off debts and harrass people. XXXX was XXXX and a refinance. Handled properly. Adv Assets i have no debt ever for. So please or I will file a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I received a Courtesy Letter from County Auditor/Treasurer indicating my Property Real estate taxes were not paid on XX/XX/XXXX. 
Subsequently, I contacted my PennyMac Mortgage Company on XX/XX/XXXX, XX/XX/XXXX and was told that the tax would be paid. Today, XX/XX/XXXX I called Auditor to verify.. no tax paid. I again tried to contact PennyMac customer service and my call drops after a significant hold period. Please Note : Each time I have called PennyMac and keyed thru automated tree I get a recording after selecting Escrow/Taxes/Insurance option that states " your escrow account has not been analyzed. '' Currently, my property taxes now include penalty fees which will increase tomorrow XX/XX/XXXXXXXX I had filed complaints with the XXXX XXXX XXXX  and the Minnesota Attorney Generals Office inaddition to requesting help from my Regional VA Home Loan office. I am considering legal action if necessary and will discuss with attorney on XX/XX/XXXX as I have a meeting scheduled on other estate affairs that day. In essence, I find it very troubling to know that a mortgage company will receive my monthly payments, but then is deliquent in servicing my loan, i.e. escrow account. In my eyes PennyMac is guilty of financial negligence or fraud, maybe both. Please Advise.
Product: Debt collection

I joined the military in XX/XX/XXXX. I opened a credit card ( XXXX XXXX XXXX ) on XX/XX/XXXX. After a devorce and a XXXX XXXX from the XXXX in XX/XX/XXXX my balance owed and limit on my XXXX XXXX XXXX was {$3300.00}. I never received or was informed my interest was going up do to several moves. I'm being charged over {$6000.00} on a {$3000.00} credit card. They doubled what I owe.
Product: Credit reporting or other personal consumer reports

Im absolutely furious to see a fraudulent account on my credit report. This account was opened without my permission, and its clear that my identity has been stolen. I never authorized this, and this is having a direct negative impact on my credit.
Product: Credit card or prepaid card

I do a lot of shopping online with my XXXX XXXX account and use my XXXX XXXX credit card. This Chase XXXX XXXX account allows me to give 5 % of my purchases to the charity of my choice, the XXXX XXXX XXXX XXXX XXXX XXXX. I also get 5 % of my purchases back on my XXXX XXXX RewardsVisa Signature Card for any future purchases from XXXX ( only ). 

I received an email approximately one week before my birthday with the following offer " LIMITED TIME OFFER : We'll reward you with XXXX bonus points when you go paperless ''. 

Since I was already checking my balance online, I decided to accept the offer. I followed all of the instructions and within a few minutes received a confirmation. " Thanks for choosing to go paperless. We'll no longer mail the following documents ; they will be posted online for you. 

CREDIT CARD ... XXXX STATEMENTS NOTICES & LETTERS '' At the bottom of the promotional email it says in small print " You will qualify for and receive your XXXX bonus points if you have changed your statement delivery preferences for the account listed in this offer to paperless by XX/XX/18 XXXX XXXX ET and your account is enrolled in paperless statements, open, and not in default at the time the bonus posts to your account. Please allow up to 10 weeks after the last day of the promotional period for the bonus to post to your account. Only one bonus per eligible account. Credit card product changes during the promotional period will forfeit this bonus offer. '' It has now been over 12 weeks since the last day of the promotional period, and the XXXX bonus points have not been applied to my XXXX account. 

I have contacted XXXX, and following their instructions, emailed my complaint to Chase. I have not received a response from the credit card company. 

I am going to try to include the two redacted promotional and response emails from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage was under going litigation with the permission for a payment plan from PNC. They marked each of the payments under the payment plan they offered late. Upon seeing the shady business practice the mortgage was paid off in full and they refuse to correct the mistake they made by marking as late.
Product: Mortgage

Not sure what stage the transfer of deed is in XXXX. around {$72000.00} Freedom mortgage is my mortgage company and with the Covid crisis they gave me a forbearance. While in the Covid crisis I sustained a pretty serious work accident and was placed on XXXX XXXX. I am formed Freedom Morgage of me being put on worker 's comp short term disability. To later find out the options they were providing were worse than what I had prior to. I was forced to file XXXX  XXXX bankruptcy where I found out there was a lien put on the house. Rather than Freedom Mortgage trying to help me by maybe giving me a second mortgage, so I could at least refinance but instead they did not properly inform me that I was selling a portion of my mortgage to some company.
Product: Credit card

i was approved and then they asked for more info to prove my id. i mailed it in. it was my power bill, drivers license, front page of 1040 tax return. they said my address wasnt on the power bill which is impossible, it was. i sent the 1040 from XXXX  they said it had to be XXXX then i faxed in the exact same power bill and now they can see the address but said they could see anything on the XXXX i resent the 1040 and they said they never got it. i got confirmation the fax went through, so they did get it. i faxed the 1040 again. this time they got it but said i didnt sign it. after to talking to them before on the phone 3 times they never said it had to be signed. i just got off the phone now they are saying they need the first and second page of the 1040. never have they said this before. it seems there is always something else i have to provide and they never tell me about upfront. it seems like they dont want to give me a card for some reason and hope i will just give up. every time i fax something to have to go to XXXX XXXX and pay for it. why cant i just email it?!
Product: Credit reporting or other personal consumer reports

I received an alert on my XXXX credit report from a creditor XXXX XXXX XXXX. I have never opened any account with XXXX XXXX XXXX I went to the police station and reported my identity stolen.
Product: Credit reporting or other personal consumer reports

All XXXX credit reporting agencies have had continue to have incorrect information in EVERY aspect Of my credit report for over 20 YEARS. I had identity theft, another woman XXXX XXXX info on my report didnt even have same social. My past work is incorrect names addresses numbers more importantly missing age of credit, hard inquirer wont remove that arent mine hundreds of dark web inquiries, debts that were included in my bankruptcy still on my report and the bankruptcy should not be a problem any longer. Additionally cards and debts sold my info to XXXX parties which need to be removed as I am not responsible for those and have no agreement with them My life quality of life and unfair penalizing have been detrimental and I am so tired of spending year after year after year enough already WE THE PEOPLE ARE SUFFERING ENOUGH stop punishing me for your mistakes
Product: Mortgage

I Received numerous letters and phone calls regarding streamline refinance. I responded to the most recent letter and contacted the number provided within the letter and recieved no response. I contacted Carrington Mortgage Services LLC to request further guidance and the loan representative tried to pursued me to convert to a conventional loan and convince me that the conventional loan was a better option. I insisted that I am offered the terms indicated in the letter and the loan officer said that the terms don't exist. The loan officer insisted that the terms meant something different and I called his attention to the Reference number and the specifics of the streamline refinance offer. I insisted that I elevate my complaint to the manager. The manager, XXXX XXXX returned my call and on a taped recording asked for a copy of the letter. I provided a copy of the letter and the XXXX XXXX stated that the letter was not affiliated with Carrington Mortgage Services LLC. However, the letter provided Carrington Mortgage Services LLC FHA Loan. XXXX XXXX stated that the statement " XXXX Bank is not affiliated with your current lender '', confirmed that Carrington Mortgage had nothing to do with sending the letter. i am not convinced. I believe that either Carrington sold my information or in fact sent the letter. The address in which the letter was received is Carrington Mortgage Services LLC. I believe this was a bait and switch to pursued me the homeowner to contact Carrington Mortgage Service in an effort to convert my mortgage to a conventional mortgage. I recevie many calls from Carrington Mortgage Representatives that I disconnected my phone. I receive numerous FHA Eligibility Notice with RE : Carrington Mortgage Services LLC FHA Loan and Carrington Mortgage Services proclaim not to have any affiliations and do not honor the letter that appear to come from Carrington Mortgage Services LLC. I am concern that Carrington Mortgage is sharing my information and sending fraudulant letters to entyist homeowners to call the loan office and take advantage of opportunities to convince FHA loan customers to convert to a c onventional loan and persued homeowners to get rid of the insurance. I am innidated with letters and calls Referencing Carrington Mortgage only about FHA streamline refinance options that don't exist. Is this a scam? Does Carrington Mortgage LLC participate with these affiliates to share homeowners information with profit benefits? I contacted Carrington Mortgage to complain and was advised on recorded line that there was nothing that Carrington Mortgage LLC can do. If your customers are being harrassed and your name is being referenced, why don't this concern Carrington Mortgage LLC? Maybe there is an invested interest in the scam as the manager, XXXX XXXX from Carrington Mortgage Services LLC referred it to be a scam.
Product: Credit card or prepaid card

This morning, I received an email from Citi telling me they had closed my credit card account. No prior warning - no prior communication of any kind. 
I have had the card for 10 yrs with a spotless record of paying for charges in a timely fashion. 
I called Citi and informed them of what had happened and asked for an explanation. A customer service employee told me a letter had just been sent explaining the situation but he couldn't give any more information because of my privacy rights. I asked to speak to a supervisor. 
A supervisor pulled up the letter sent to me and told me my account had been closed for " non-usage '' and explained I had not used the card in at least 2 yrs. I countered that was probably true, I had several cards and I used each of them according to the scenario and I was sure, if he cared to look back, that there had been other 2 yr periods over the past 10 yrs when I had not used my Citi Card. I asked if I had ever signed any agreement or had been informed by Citi of their " use it or lose it '' policy. The supervisor told me no, they simply had the right to close my account at any time for any reason. 
As you know, this affects my credit rating negatively and I informed the supervisor of the same. I think it patently unfair that my credit rating will go down - which could affect future credit requests on my part - simply because Citi precipitously cancelled my account. Further, I find it patently unfair that Citi cancelled my account, although I have never missed or been late on a payment to them, without some sort of warning. 
I will never use Citi again - for anything - but I find their policy as practiced on me to be anti-consumer and one they should be forced to change or at the least modify.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau from XX/XX/2021 and now we are in the month of XX/XX/2021 and still, nothing received any response from them. That means Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act law and continued to report inaccurate accounts on my credit report. Here are the following inaccurate accounts that need to remove completely from my Credit Report : XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

I changed my method for payment one month prior to the payment online with Capital One and the company billed the wrong account and wants to charge me acquired charges for their error in billing mistake
Product: Debt collection

Somebody used my identity at XXXX Fire and Rescue. The transaction was reported to XXXX Credit Bureau on XXXX. The name referenced was XXXX and they used my social security number. The collection company was called Security and their phone number is XXXX. The amount is {$640.00}.
Product: Credit reporting or other personal consumer reports

My Experian account was set up with XXXX having access to my bank accounts and bills paid. The XXXX account continually disconnects, and Experian says I have to wait another XXXX months before they apply a credit to my score for paying my utility bills which have been paid on time for the past XXXX  years at my current address. My utilities have never been late in the XXXX  years I have lived at my current address. The disconnecting of the boost account is faulty. It is a scam a false claim that your score can improve. They take no accountability to keep it active and working or notifying me when it does disconnect. Their system is faulty and inaccurate. This has harmed my ability to get my business off the ground or obtain a home equity line of credit to make emergency repairs to my home with mold and water damage causing health issues to me and my family. My husband is XXXX after a faulty surgeon crippled him so, I am the only source of income. It is imperative that the credit reporting industry get penalized for their inability to do their job! I work XXXX hours a week trying to work XXXX jobs then have to correct their actions. They have dropped my score after disputing the accuracy of my accounts down to XXXX from XXXX. Come On! XXXX XXXX Please Put a Stop to This! I disputed at the time that there were derogatory statements on accounts that were more than XXXX XXXX XXXX. I have asked over the past XXXX  years to remove them. They have not! They also, have now blocked me from making a statement on any and all of my accounts after submitting disputes. This was intentional! Again! harming the consumer. There were also, accounts that had been paid off but, are still showing owed which they have not applied increase in points to my score. I have been requesting the most recent accounts be corrected for the past XXXX  months since XXXX of XXXX. The Law states that the derogatory remarks are required to be removed after XXXX  years. The actions by Experian are intentional and detrimental.
Product: Mortgage

First Quarter 2019 : Submitted to have PMI removed to my loan servisor, XXXX. I was rejected and told I needed an appraisal. I agreed to the appraisal and paid for it. The appraisal was completed and a new value was determined. The new loan to value ratio did not reach the XXXX 's requirement until XXXX. 

XXXX : Submitted for the removal of PMI since I had calculated that My Loan to Value ratio reached their threshold of 75 % XX/XX/XXXX : Received a rejection letter XX/XX/XXXX : Called I disputed the PMI removal rejection. They said I needed to fax to XXXX to dispute with any documentation. Fax sent on XX/XX/XXXX with a letter, calculations and their previous appraisal. 

XXXX : Called. The fax did not reopen the case so I had to request that it be reopened. Explained to the rep that my calculations are correct. The rep agreed XX/XX/XXXX : Called. Rep confirmed that the case was re-opened and that I would have to wait until XXXX to hear the conclusion. 

XXXX : Called to get results of re-opened case. Rep said that PMI removal was denied due to LTV ratio not being 75 % or less. I explain again that it does and the department that does the calculations is using the wrong numbers. I also tell them I faxed in all the documentation. The rep says that the fax didn't get linked to the case. The rep says that I need to email the documents so that it is attached to the case. This is different from the call on XX/XX/XXXX. The rep said that once I email the documents via their web form, I will get a ticket number that she can used to pull the documents and attached to the case. I never got the ticket that day. 

XXXX : Still have not received a ticket number so I resubmitted the documents. Still did not receive a ticket Note : They have the current property value. It is displayed when I log into the portal. The are using the original property values from when I purchased the house instead of the current property value. The new value was determined in XXXX by an appraiser that they hired. They have all the data but they will not use the correct data to make the calculations.