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

Dear SageStream , LLC Support Team, I hope this message finds you well. I am writing to request an update to my public records to reflect my current phone number. Ensuring the accuracy of this information is important to me, and I would greatly appreciate your assistance in this matter. 

Phone Number to Add or Update : XXXX To assist with this process, I have included documents that verify my identity and confirm my phone number. Should you need anything further to complete the update, please do not hesitate to contact me. 

I kindly ask that this request be handled at your earliest convenience. I would also appreciate a confirmation once the update has been made. 

Thank you for your attention and support. Feel free to reach out to me at XXXX or XXXX if you require additional information. 

Best regards, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am receiving emails suggesting I'm assisting credit repair companies, which is incorrect. I handle all correspondence personally. Please correct this issue promptly. Enclosed is a list of negative accounts and inquiries needing attention. 

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 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 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

I was contacted by Law Offices of Emmett L. Goodman , Jr. , LLC in reference to a debt that I do not owe. I have never entered into any financial or contractual agreement with the aforementioned firm to secure credit.
Product: Credit card or prepaid card

I have had this Citibank credit card since XX/XX/XXXX. 

In XX/XX/XXXX Citibank raised the limit on my card from {$10000.00} to {$14000.00}. 

As of XX/XX/XXXX, the balance on that Citi card account was {$13000.00} To improve my credit score and eliminate revolving debt, I recently took a significant amount of savings and paid off or paid down all my credit cards with balances. 

On XX/XX/XXXX I paid {$10000.00} ( over 70 % of the balance ) to this Citi card account. 

The paydown on the account immediately triggered what the company calls a " periodic review '' of the account, and the limit on the card was slashed by {$10000.00} ( the same 70 % that had been PAID ) when the statement for the account closed a few days later on XX/XX/XXXX. 

The new limit is {$3400.00} and with the interest charged to the account at the end of the billing cycle, the card is now OVER LIMIT instead of having more than 70 % of the limit available. 

This is a predatory practice to justify higher interest rates and to prevent consumers from improving their credit score by paying down their balances. 

The company claims that the review of the account is " random '', but the timing, so close to the large payment is highly suspicious. Previous reviews of the account have appeared to occur on an annual basis in XXXX, the month the account was originally opened. 

They cited credit bureau information of accounts with " balances too close to the limit '', which I was addressing by paying such a significant amount to the account -- a situation they have ensured will continue on this account by their direct and intentional action of lowering the limit down to the new balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX time disputing accounts that are fraudulent. I am not an attorney or third party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX
Product: Mortgage

Freedom Mortgage cashed my XXXX 2015 check, yet did n't apply it to my loan account. I then received a letter in the mail saying the XXXX payment was late. I called them saying the check cleared my bank on XXXX XXXX. They had no record and I was to send them in the mail a copy of my check being deposited by them. A week after I sent in the check i was called from them bill collecting. I explained my issue, they lady saw my check was received but just sitting on my account. She was going to have to open a ticket to get it applied and assured me it would be applied on XXXX XXXX of when they got my check originally. I called today XXXX XXXX and they applied my XXXX payment on XXXX XXXX! Just got off the phone and now it is going to another XXXX departments to get it applied on the correct date. Very frustrated as I have done nothing wrong yet these people are screwing with my credit.
Product: Money transfer, virtual currency, or money service

I used the XXXX Transfer service provided by Wells Fargo when I log into my account to pay for a product. I purchased tickets XXXX. XXXX 2021 to a XXXX  game from this posting, https : XXXX on XXXX. It was fraudulent and the tickets were not delivered. I filed a claim with Wells Fargo within an hour and was given the following case number. XXXX. I followed up at the phone number they provided, XXXX on XX/XX/XXXX and discovered the claim was closed. Wells Fargo files a claim with XXXX and then closes it. They only act as a messenger service for XXXX after that and they leave it their responsibility to investigate. XXXX has no motivation for pursuing a claim and Wells Fargo has no process to follow up or compel them to. I asked Wells Fargo customer service for a number to contact XXXX and pursue it myself and they wouldn't provide me with one. I contacted XXXX and they said I needed to pursue it through Wells Fargo. The Wells Fargo provided XXXX service is the exact same as sending cash through the mail. On the Wells Fargo site they compare it to using a check, but it has less protection than that. The customer is able to stop payment on a check or pursue legal action against the individual cashing the check. If Wells Fargo is not providing or supporting the XXXX service they need to transfer you out of a Wells Fargo site to prevent the misleading appearance that they do. It is totally unacceptable that a banking institution provides a service from the customers personal online account but not accept any responsibility for transactions that take place within it.
Product: Mortgage

Addendum to Complaint sent on XXXX XXXX : On XXXX XXXX, 2015 I received a phone call from XXXX XXXX, Bank of America, ( contact # XXXX XXXX XXXX XXXX ). She asked want I wanted to resolve my Complaint. I said I wanted to have my original application reviewed fairly. XXXX said since the review was " closed '' I would have to reapply. She persisted in trying to insisting this was a fact. I referenced all the communication I have received from Bank of America, including letters from XXXX XXXX, CRM, on XXXX XXXX, XXXX, and XXXX, to prove the case was stilled opened. 
I asked that she put this in writing, she refused. I then reference letters I had received on behalf of XXXX XXXX, XXXX XXXX from XXXX XXXX and on XXXX XXXX from XXXX XXXX, both were written by XXXX Customer Care regarding the modification application. 
Today, I received a letter from XXXX XXXX, XXXX Customer Care, which is clear shows the application is still opened it states I " should work with XXXX XXXX ... XXXX XXXX will be your primary contact throughout the workout the review process. I encourage you to work closely with her ad submit any requested information right away to keep your loan 's review moving forward ''. 
Also, previous letters state that we are further behind in our mortgage payments. 
It is apparent that BofA is continuing to use unethical mortgage practices, in evaluating this modification by false statements, misrepresenting facts, deceptive and misleading statement.
Product: Mortgage

This is very time sensitive. I have a closing scheduled to sell my current residence XX/XX/22 However to close I need my Partial Claim Payoff Statement. I spoke to HUD & they claim in order for me to receive my Partial Claim Payoff Statement I need to have my mortgage company Midland Request A Claim. Once Midland has requested a claim then HUD will issue me my Payoff Statement. Ive called Midland several times and they are refusing to help me. They just keep directing me to HUD, yet HUD keeps explaining this as a two step process that first starts with Midland Requesting A Claim. Please help me solve this is ASAP
Product: Debt collection

US Bank National Association Has served me twice XXXX CA XXXX XXXX CA XXXX Its 2016 and nothing is resolved we did meditate they cant make their minds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently signed into my XXXX credit card account and noticed an offer for a credit line increase. Although in the fine print it stated they may need to access my credit report when considering the request, nowhere did it mention they would be conducting a hard pull that could impact my credit score. I was not required to check a box agreeing to the terms and conditions ( which I mistakenly assumed was because my request only required a soft pull that would not impact my credit ). As a consumer, I expect more transparency in these types of requests, especially when the outcome can affect future applications for credit and/or other financial offerings.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I requested a transfer of an IRA CD prior to US Bank charging a maintenance fee. They failed to transfer the CD and charged a fee. After discovering the problem, they have finally transferred the IRA but still charged the fee and have not reimbursed me for it. In fact, the branch manager said they did not reimburse maintenance fees. I believe they owe me for the {$30.00} fee, since the request was made before the assessment and any error is theirs. The XXXX XXXX the account was transferred to had to contact the XXXX XXXX  in order to get them to transfer the funds.
Product: Debt collection

Pioneer Credit Recovery , Inc started calling us over a month ago, every single day. I've told them a dozen times there is no XXXX XXXX here and I've had the phone number for over 21 years. I also told them I am a XXXX veteran. They say they are going to adjust their records but the next day the calls continue. Twice they said they're going to put a Do-Not-Call order on the account but they still continue calls the next day. Never Once have they said they're going to erase my phone number from their system. No matter what I say they refuse to stop calling me daily to ask for someone who has not been here or associated with my phone number for over 21 years and there seems to be no way to make them stop.
Product: Credit reporting

There is a listing for a {$300.00} debt turned over to a collection agency ( XXXX ) but the debt was paid in full directly to XXXX.
Product: Checking or savings account

On XXXX XXXX, 2017, I inquired online to get interest rates and yields for 5 ( 12-60 months ) staggered American Express Certificate of Deposits. They asked me to log into my Personal Savings Account with them, and select CDs ( 12-month, 24-month, etc. ) that I wanted to learn about, prompting me several times to select the button " Next '', without giving me the information I was seeking. I got tired  and suspicious and, so, I closed my login and the web-browser. Later, I went to their competitor, XXXX XXXX website. Their interest rates and yields were clearly and transparently displayed on their website, and considerably higher than those of American Express Bank and, so, I opened an account with them, selected CDs, and for funding I referred them to my Personal Savings account with American Express. They deposited nominal ( small ) amounts into my account, and asked me to log into my account, and report back to verify. When I logged back into my American Express savings account, I was horrified that they had already withdrawn the entire amount for five CDs from my account. I instantly called their customer service operator and supervisor who told me that it was a " done deal '', I had " bought '' those CDs, and I could pay pre-mature interest penalty and cancel this " sale '' but, otherwise, there was nothing they could do. I wrote a US Certified mail complaint of deceptive " sale '' by the bank ( with copies to Federal and State authorities, and FINRA ), and called back again when I was told that the account was locked by Banking Operations and that someone will get back to me within 7-10 days, but no one did. I wrote another letter, a few days later, when I received a pro forma reply essentially stating the above rule that I could cash these CDs, i.e., rescind this " sale '' after paying a pre-mature interest penalty.
Product: Debt collection

On XXXX/XXXX/2016 I filed a complain through CFPB against RPM for reporting a collection on my credit report. The original creditor was XXXX and after paying a debt that I owed, XXXX informed me that this account would not be listed anywhere on my credit report, but it was showing on my credit report as a collection. After filing a complaint with CFPB, Receivables Performance Management LLC responded to me with the following statement. 

" Upon receipt of this complaint, RPM contacted XXXX who confirmed that the account was properly placed for collection and had since been paid in full. XXXX has requested that RPM remove the account tradeline as a courtesy to XXXX XXXX. 
RPM appreciates the opportunity to respond to this matter and resolve it to XXXX XXXX 's satisfaction. If you have questions regarding RPM 's handling of this matter or if I may be of further assistance to XXXX XXXX please contact me directly at ( XXXX ) XXXX. 
Very Truly Yours, XXXX XXXX XXXX General Counsel '' It has been over 30 days and this company still has NOT removed this item from my XXXX report. I am trying to close on a home loan and this collection showing on my report is affecting me tremendously. I have attached documentation from both XXXX and RPM of where this item should have been removed.
Product: Credit reporting

XXXX # XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX XXXX. # XXXX these accounts where disputed and never deleted. 
FCRA Act 609 ( a1 ) ( e2 ), 623 ( a1 ) violation please all accounts delete. 
This account is in dispute with the original creditor error please delete accounts. 
This which you DECLINED. I sent info for Exquifax or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 
If they had investigated properly, no XXXX system thank you, they ( Third Party Collections Companies ) would have known, that these accounts were not accurate.
Product: Credit card or prepaid card

I have been corresponding via email with XXXX, the debt collection company since XXXX XXXX 2017. To date, Ive paid approximately {$8300.00} towards a debt that was originally approximately {$8000.00}. I initially requested a payment ledger showing all payments to date. I received the payment ledger on XXXX XXXX 2017,  about two weeks later. Since, that time, Ive been corresponding with an XXXX XXXX, about the supposed balance. <P/>XXXX. XXXX, after much prodding, told me I still owe over {$6000.00} on this account in interest and fees. Ive sent her two subsequent emails to date, requesting a thorough explanation and breakdown of the interest and fees, yet, Ive received nothing. Requesting a breakdown and thorough explanation of a balance of HOW the balance is over {$6000.00}. I am entitled to more than just a statement of what the balance is. I believe Ive fulfilled my obligations. Thanks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a collection agency that I have no account with and is now duplicating a collection on my credit which is illegal and against the fair credit act equinox will not remove this error I have already had it removed from XXXX for this error but they say its verified correct I have no account with XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested a validation of this account : XXXX XXXX XXXX XXXX. 
The account information came back account closed XX/XX/year> but shows open and charged off on current report. I am requesting a fair and updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX XXXX to run my credit score on XXXX XXXX 2017 ... ..was not present. The bank made a hard inquiry on my credit that dropped it way down. I did not know anything about this or who they did it for but I did not give consent for this. I believe it was for a loan of some sort. I have n't applied for a loan in many many years, and never with this bank.
Product: Mortgage

I have had a very difficult time with XXXX XXXX. I am elderly living on a fixed income. With my family income, I can afford my mortgage. SinceXX/XX/XXXX, I have been trying to get a modification with PNC. Their system is very dysfunctional and slow. It can take days or weeks to get a simple answer from them regarding the modification. We have been in underrating since XXXX with 2 update  requests. We have asked PNC to place the foreclosure on pause while we go through our review. On the last request from PNC, we had to get an updated profit and loss from an accountant. Which is a 3rd party and not quick. We sent documents needed a few hours late and PNC is now kicking our file out of the review. It took 4 days for XXXX our representative to even tell us this. Now we have to file a possible bankruptcy all because PNC is a predatory lender, and the representative has done everything possible to backdoor our file into foreclosure.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX IN # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  - XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

THESE ARE GIVING ME STRESS, THESE ARE ALL INACCURARTE AND MUST BE UPDATED, PLEASE HELP ME WITH THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.