23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Sir/Madam, I have a mortgage with XXXX XXXX ( lending affiliate of XXXX XXXX XXXX , XXXX ) subserviced by Loancare , LLC. They have recently increased my monthly payment as they informed me that I did not submit proof for Home insurance. But this account is not a impound account and I am managing my home insurance outside this account by myself. I have proof that I paid my home insurance and I faxed them all the documents. But till date they have not changed the monthly payment amount and I am paying extra. I had multiple call with XXXX   but they are forwarding the call to various department but none of them providing any resolution and they are informing me that the case is being investigated. I have been contacting them from XX/XX/2019 to fix my monthly payment. But they have not fixed yet. Please advise. 

Previous monthly payment : {$2200.00} Modified monthly payment : {$2300.00}
Product: Credit reporting

I would like to dispute XXXX XXXX XXXX. I paid this card off I believe in XXXX 2014 in full at the XXXX XXXX XXXX in the XXXX XXXX. Experian Credit Reporting Agency is reporting negative information of their site and this account has never been late always pay of time and as of today it is paid in full.
Product: Credit reporting

Trans Union had a glitch in there system that violated the rights of their consumbers under section 6.11. As a result, I have been gravely effected and my credit score is suffering as a result. No notice of was ever given which is also a violation. I am requesting that ALL inquiries be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I believe am being excessive and illegal charged interest and fees on medical bills. Medical bills are n't liquidated debts and there was no specific implied agreement expressing authorizing rates of interest. Requesting an itemized statement of fees and interest being charged and dates of when they were charged. A copy of contract authorizing such fees and collection charges. The obligation to pay interest is not changed by the debt being assigned to a collection agency. If a collection agency does demand and collect interest, it should be shown as a separate amount from the principle when it is first demanded from the consumer. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Never did the collection agency inform me of the interest being charged or at what rate in written. They just started to apply it at their own interest rate to the original debt. Interest wasnt applied to any of this account until two years after being placed in collection by Grant Mercantile agency, when I began to dispute accounts. As of XX/XX/XXXX, account opened XX/XX/XXXX balance was {$2200.00}. By XX/XX/XXXX the balanced jumped to {$2400.00}. This was less than two months of interest that had been add to each of these accounts. As of XX/XX/XXXX, account opened XX/XX/XXXX balance was {$870.00}. By XX/XX/XXXX the balanced jumped to {$940.00}. As of XX/XX/XXXX, account opened XX/XX/XXXX balance was {$1500.00}. By XX/XX/XXXX the balanced jumped to {$1600.00} ( proof attached ). Congress passed a bill that only non-private hospitals can charge interest on a hospital bill, because it an unliquidated debt. XXXX XXXX XXXX XXXX is a private hospital. Never did the collection agency inform me of the interest being charged or at what rate in written at any time. Your company just started to apply it at their own interest rate to the principal of the debt. I received letter sent from your company dated XX/XX/XXXX. Referencing account # XXXX in total amount of {$2800.00}. Principal {$1800.00} and interest {$960.00}. You sent verification of debt, that was n't requested.
Product: Credit card or prepaid card

My Amazon store credit card handled by Synchrony bank, is telling me I am late with a my payment that is due on XX/XX/2019. I sent them a XXXX XXXX money order ( XXXX ) on XX/XX/2019 for an amount of XXXX. I have not tried to contact them, I remember their poor customer treatment from dealing with them in the late XXXX 's and I am glad to see that XXXX will soon stop using them. I will stop using this card once I get it paid off, which due to my inability to get a debt consolidation loan will take some time. However I am not nor was I late on this payment for XX/XX/2019. 
Synchrony Bank should be fined heavily and preferably be put out of business along with their CEOs and upper management placed in prison. They obviously still believe in ripping people off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 The following accounts on my credit report are not accurate. 

CREDITOR NAME : XXXX XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a voluntary repossession of the vehicle I purchased on XX/XX/XXXX due to going into labor more than 3 months early for my daughter. I understood it would be a balance remaining on the loan with XXXX XXXX  XXXX also DBA XXXX XXXX I do not dispute that, however I filed bankruptcy and this debt was included in my bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX and the company is still reporting a balance and missed payments on my XXXX  and Equifax credit reports.
Product: Debt collection

I was contacted on XX/XX/XXXXXXXX  to pay a debt for an ambulance ride in a city I don't live in on XX/XX/XXXX. They asked for my birth date to validate my identity. I asked what the call was regarding before I provide personal information. They said they could not answer until I had verified my identity. I gave them my birth date and they identified themselves as Phoenix Financial Services. They also said my birth date was one date off, they had the XXXX. I said well there you go it's not me. They said until I prove it wasn't me I'm responsible for a bill of more than {$2000.00}. I hung up and called the hospital they told me, XXXX XXXX in XXXX XXXX, once again, not where I live. They have a record of someone with my name, but incorrect middle initial, different parents names, different social security, and incorrect birth date as well. As the details diverged more, the hospital stopped being able to tell me more. I am not a patient in their system either so they could not help me further or send documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts listed on my credit report. I am unsure who's they are. 103 Claims true identity fraud/account fraudulently opened.. please remove them from my credit. Thank you.
Product: Credit reporting or other personal consumer reports

This compliants about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. 

XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX Balance {$0.00} GXXXX XXXXXXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my extreme frustration and utter disgust after discovering that the following com- pany ( s ) have reported charge off ( s ) on my consumer report : [ XXXX XXXX XXXX XXXX XXXX ] It is clear that the charge off ( s ) on my consumer report is/are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. Let me be unequivocally clear, according to 15 US Code1681n, I can charge {$XXXX} for damages if. The reported cancellation of debt does not accurately reflect the circumstances under which the debt was canceled. Debt was Canceled by Insolvency/Other. Due unforeseen events and are now counted as Income on my XXXX XXXX XXXX, and as such, it should not impact my credit report negatively.
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX Credit Bureau in regard to incorrect information reported on my credit report from " XXXX XXXX ''. The XXXX XXXX Account was closed and charged off on XX/XX/year>, however, the credit grantor has continued to report the charge off on a monthly basis for XXXX  years. After filing the dispute with XXXX, they did not resolve the issue by removing the creditor from my credit report.
Product: Vehicle loan or lease

Yes, I filed bankruptcy, and reaffirmed my auto loan with Santander USA. Since the discharge they have not started reporting back to the credit bureaus. They stated that they will not resume reporting to the three credit bureaus. I have read the law and to my understanding that when you reaffirm the loan that they are obligated to report my payments being made. This is affecting my credit and that was the whole point of filing for bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XX/XX/XXXX I received a letter from XXXX XXXX XXXX  saying welcome they would be taking over my mortgage. I found this very odd and requested documentation proving they indeed bought my mortgage or was assigned to the title as the new lien holder I was never sent anything in writing proving such so XXXX approximately XX/XX/XXXX they begin to report on XXXX XXXX and XXXX credit burueas stating I open an account with them in XXXX which is an absolute untruth as well as a fraudulent statement when questioning them about it I was told it would be removed and the only thing they did was change dollar amount and also had a company called XXXX XXXX run a hard pull through XXXX XXXX which I disputed and was never removed I was told by them XXXX ordered the hard pull and if I felt it was fraudulent theyd just make it a soft pull which is also fraudulent and an untruth. 
XXXX has never been assigned to my title or recorded of deed I went to my county processor office to verify I also have satisfaction of mortgage documents from XXXX mortgage company saying debt was paid in full and satisfactory I would like XXXX to be charged for fraudulently reporting on my credit report in which they have no merit or ownership to do such my credit is in jeopardy every time they report the amount owed differently its been 3 changes since XX/XX/XXXX on my report by them I was referred to youll because credit bureaus disputes XXXX enough to stop or block them Ive never signed any documents or never taken a loan out in XXXX with XXXX if theyre the owners of the mortgage they have never been assigned to title as well as Ive gotten satisfaction or Mortage recorded with the XXXX county assessors office
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I opened up this checking account on XX/XX/2023, for the bonus promotion. The promotion I enrolled in is attached and states that I needed to deposit money within 20 days of account opening and keep that money in the account for 61 days from the XXXX day. However, I received an email stating different terms of the bonus than I signed up for. I contacted Citibank about this and was told that I was enrolled in the promotion which is attached. I fulfilled the requirements of the bonus and I should have received a {$1000.00} bonus per the terms and conditions of the bonus. I still have not received the bonus. Please credit my {$1000.00} bonus as the terms stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, my wife and I attempted to purchase a car with XXXX XXXX. The car was not on the lot so we were instructed by the sales rep at the dealership to complete an online ordering process with another location for vehicle transfer, but first had to do a hard credit pull and deposit to lock it in. I resisted the credit pull until the car was on the lot, but they ensured me this was their process and we could lock in financing within a week or two. We completed a hard credit pull for an auto financing loan with TD Auto Finance on XXXX. After several weeks of silence, lack of follow-ups, and vague answers from the sales rep we realized the dealership misled us to believe a car was identified and didn't actually have a car in their inventory. In XX/XX/2023, we were notified the car we intended to buy in XXXX came on the lot ( the VIN number indicates it was from the factory ). 
Without my knowledge or consent they submitted a deal with TD auto finance again which required the bank to pull my credit a second time, it was blocked as my credit reports are typically frozen. I called XXXX XXXX and voiced my concern and frustration, stated I would like the original credit pull reversed and they instructed me they can not do anything and to contact TD auto finance to dispute the credit report. I called the bank and they informed me they can not discuss credit disputes over the phone.
Product: Credit reporting or other personal consumer reports

System and Services Technologies continues to report to credit reporting agencies that I am continously late on my account when I have in fact been making payments to them regularly. They are very difficult to work with and are not telling me that my debt card is invalid when I have in fact used the same card before to make payments. In a previous complaint they have harrassed me by calling me 5 times a day everyday for a past due account when I have continued to try and work with them and make regular payments on the account with the same debit card I have used before. When I go online to submit new payment information it will not let me make a new payments but when I call them there is a still an issue and I can't get through to somebody that is actually helpful.
Product: Credit reporting

A debt dating from XXXX has been relisted on my credit file by XXXX XXXX. This debt has passed its status of limitations and had already been removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate. 
XXXXXXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I never received a 1099c form indicating this account was being charged off. The owner refinanced this car into her name.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX is reporting incorrect addresses on public information. XXXX  XXXX is reporting incorrect addresses and not reporting correct information per FCRA. They are reporting inaccurately and should remedy this issue. Information is totally incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

While in bankruptcy protection ( XX/XX/XXXX-XX/XX/XXXX ) my mortgage was sold to BSI. Even though monthly mortgage payments as well as monthly bankruptcy payments were made in full and on time, BSI continued to assess  unsubstantiated and unwarranted fees. Three separate complaints were filed with CFPB in XX/XX/XXXX regarding these unlawful charges ( XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ). On XX/XX/XXXX BSI representative XXXX XXXX sent a letter that stated " BSI has determined that there are inaccuracies on your loan and have made corrections. Pursuant to the payment history the BSI account was indeed current ''. since that time we have been trying to get BSI to correct late payment notices they posted earlier in XXXX prior to that note. We have sent copies of the checks, as well as the day each individual month they were received and cleared our bank. BSI sent reports to the credit reporting agencies that each of our first 6 payments to BSI were 60 days late or more, and has been unwilling to correct this misinformation. Since we did not pay BSI anything additional other than mortgage each and every month, and they themselves determined us " current '' as on XX/XX/XXXX, ( and admitted mistakes ), something doesn't line up correctly. On XX/XX/XXXX we attempted to get this information corrected with no success. We filed a new complaint with CFPB ( XXXX ) trying to get the same, again with no success. Again, since the entirety of what we made were scheduled monthly payments every month, in full each and every month in XX/XX/XXXX... and we have the actual checks with the dates each month when they were received and the date they cleared BSI 's bank that very same month, with no additional monies were sent to BSI ... they admitted in XX/XX/XXXX they indeed had made inaccuracies with this account and corrected their account records ( and indeed the account was current ), how can there be 6 consecutive months of 60 days or more late from XX/XX/XXXX to XX/XX/XXXX? We even wrote on the front of each check " for use toward XX/XX/XXXX mortgage payment in full '' on XXXX 's check ( received in XX/XX/XXXX, cleared by BSI XX/XX/XXXX ). This process was repeated each and documented each and every month, for the exact month the payment was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Mortgage

I am a XXXX year old senior and XXXX XXXX Veteran who has been waiting since XX/XX/XXXX for a refund check in the amount of {$4700.00} from XXXX XXXX. After several attempts to get the refund, I was told by XXXX from Corelogic that it will take 30 days for Corelogic to locate the check and another 10 days to process the check, then the check would be sent back to XXXX XXXX. As one who is suffering from two XXXX diseases, I made an appeal for the refund to be returned immediately for medical services not covered by my insurance. 

An error was made in paying the property taxes. My home was refinanced with XXXX in XX/XX/XXXX. Corelogic, a third-party company, paid the property taxes for XXXX XXXX when the taxes were already paid by XXXX. The taxes were paid to XXXX XXXX XXXX 's XXXX. XXXX XXXX from the XXXX County Treasurer 's Office called to inform me that the refund check in the amount of {$4700.00} was returned to Corelogic on XX/XX/XXXX. 

Why is it that a company can hold on to consumer money with no compassion for the request for the refund? Obviously, that money is drawing interest or being used otherwise!
Product: Student loan

I have XXXX loans with navient most of which are direct subsidized loans. 
Navient had me put my loans on deferment as i could n't afford to pay very much until recently. I had to chase after them and call many times to get assistance with getting on a repayment plan that helped me make payments. 
These payments seem to be doing nothing as the loan continues to grow by more than what i 'm paying every month right after a make a payment. 

It honestly does n't appear that my payments are going to the principal or the interest as i see no changes every month in the amount my loans say are remaining. 

I feel like i 'm being ripped off. 
have no issues with paying on my loans as i took the loans out for school. 
But it seems that unless you pay them off in one swoop there is no way to get the loan number to go down at all. 
The repayment plan they set me up with does n't appear to be anything more than giving them free money until the end of time. 
What good is a plan meant to assist you if it does n't ' even cover enough of the loan to keep the amount owed from growing passed what it was before you paid that month.