23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

WF mismanaged my money and my mortgage but now want me to make up the difference and to charge me an extra {$300.00} a month. My monthly payment was {$1000.00}, now it 's {$1300.00}. They also said that amount is due beginning XXXX XXXX, but have actually taken out the higher payments XXXX so far from my checking account, which I did not authorize them to do. In less than XXXX months they have made insurance payments to cancelled services, lost paperwork and now want me to make up the shortage, despite that I have no idea how my account could be over {$1800.00} short when I arranged my XXXX payments to cover a XXXX dollars extra than what it originally was. They sent a document that also somehow is raising my mortgage payment, even without that shortage, bto {$1100.00}. How do they get to do this? I agreed to XXXX mortgage amount, that I could afford, not XXXX that seems to be at their mercy and can be arbitrarily changed at their will even when it 's their mismanangement and XXXX customer service. I would like an investigation. I can not afford the increase in my mortgage and am tempted to let in go into foreclosure. I did not control the money it was all in their hands. In fact I did n't know their was a shortage until I got notified by XXXX about the new and higher transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX # XXXX, XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out of my apartment at XXXX XXXX XXXX XXXX in  2016. I made all final payments and the management company at the time, XXXX XXXX, claimed that I owed move out fees and costs. The management company then entered a judgement against me in the amount of {$4300.00}. I appeared in court on XX/XX/2016 and the plaintiff 's claim for rent and fees, was dismissed. This debt was then sold to the collection agency, XXXX XXXX XXXX. XXXX XXXX XXXX has been reporting this debt on all 3 of my credit reports, since XX/XX/2016, after the case was dismissed. I attempted to dispute this inaccurate debt, with all 3 credit bureaus and the collection agency. All parties claim to have verified this debt as accurate and continue to report this untrue debt. I called XXXX XXXX XXXX and was told by a very rude rep named XXXX, that my case dismissal was only to stop an active eviction. I advised the rep that I was never evicted and this case has been dismissed in 2016 under the court of law. The rep then told me that I in fact owed this debt, without even providing proper proof of said debt. In addition, to me not legally owing this debt - there are several reporting errors found, such as date opened and date of last activity, just to name a few. I am demanding a PROPER and COMPLETE investigation.
Product: Debt collection

A collection was placed on my credit report from Southwest Credit System for {$190.00} on XX/XX/XXXX. 
I called the number listed on my credit report on XX/XX/XXXX. The representative states this is a XXXX account closed on XX/XX/XXXX which was placed with them from XXXX. I have not had a XXXX account. I never received any correspondence, contact, or NOTICE OF DEBT or DEBT VALIDATION from Southwest Credit System. This is inaccurate and definitely a violation of FDCPA since I never received any notice or anything to dispute the validity of this account place on my credit report. By law I have 30 days to request validation of this account once it has been assigned to an agency. Not only is this not my account, but Southwest Credit System violated FDCPA as well. 

Section 809 Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt  collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX and I tried logging on to make a payment but I was locked out, they said they opened a case and they would look into it as I wanted to recover my account so I can pay it as I have excellent credit. I called a few times and they said they were still working on my case that they would expedite it. I called again and they said the same thing. A month went by and they sent me an email that needed to verify my identity and I needed to upload a picture of my ID, I did as what I was told and never heart back. I went to try and log in a few weeks later and it let me log-in and pay my balances off in full. After I paid it I received a ding on my credit for 60 day and it dropped my credit score XXXX points. I have no other late payments besides this. I would like this removed from my credit as this was not my fault. I may have to sue them because I can't have this on my credit report.
Product: Debt collection

On XX/XX/XXXX  I check my balance on XXXX Originally when I had saw the debt on XXXX it was XXXX I was set to pay that I was never disclose that the debt collection will be adding fees Today on XXXX XXXX I learned they will be charging me {$800.00} in fees that was never disclose to me I called the dental office where the debt is coming I made {$300.00} in the year of XXXX Which mean the debt decrease to XXXX but I check its {$3000.00} Not only the debt collectors arent updating anything but adding without disclosing any information I had no idea how it and when it happened but its got to go Even when I had ask for debt validation they sent me XXXX nothing more Dental office clear it was that amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company multiple times requesting that they review the " late payment '' shown on my credit report from XXXX XXXX XXXX. My dispute letters were dismissed, and never responded to. I am a long-standing customer and I make all my payments on time. Please correct this ASAP
Product: Checking or savings account

I signed up for  a TD Bank acco unt for their {$300.00} deposit bonus. I completed the required steps to receive the bonus, and then after the deadline for the requirements they decided to tell me that I did meet them, even though the transactions in the account clearly showed that I did. I could have had this money invested earning interest but instead these crooks got to earn free interest on my money then deny me the bonus that was promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a letter out to XXXX  and Experian disputing the accuracy and the method of verification for student loans amounting to {$20000.00}. Both Experian and XXXX  failed to mark all the student loans accounts in question as " disputed by consumer '', per law within 30 days. Furthermore, XXXX has already deleted this inaccurate and unverifiable accounts as of XX/XX/2018 ( see attached documents ).
Product: Credit card

On Saturday XX/XX/year>, the payment of my outstanding balance of {$3800.00} for my Apple credit card unfortunately failed to go through. On the same day I received a notification that I had an interest charge of {$86.00} on the credit card due to this event ( I never had an interest charge with them or other credit card before ). 
Immediately afterwards, I paid my outstanding balance in full, which included the latest transactions after the closing of my previous statement for a total of {$7800.00}, which was debited without any problem from my bank on XX/XX/year>. That is, it took only 2 days for me to pay in full my outstanding balance with my Apple credit card. 
If I calculate my daily APR, with the information from my credit card, I get that this would be ( XXXX ) XXXX. If I apply this daily APR to my outstanding balance of {$7800.00} for 2 days ( until my payment went through ), the charge would be {$3.00} ( instead of {$86.00} ). 
I requested an explanation to the Apple card customer service for this difference asking for how many days my APR was charged and on which amount to get to the {$86.00}, but nobody has provided that information. I indicated that it is my right as a consumer to understand why I am charged that specific amount, but without any luck so far. I honestly believe that this is basic information and that consumers should have the right to get it directly from from any credit card issuer.
Product: Debt collection

This collection company put an erroneous account on my credit files. I have not been contacted by anyone via phone or mail. This account was previous with some other collection agency back in XX/XX/2021. I asked for debt validation which they could not provide. Account was then removed from my credit and they sold the account. I don't owe this. I disputed this with the credit bureaus but they didn't remove the account. I want this account DELETED off my credit file. How can these companies report negative information and fail to provide any debt validation? This isn't right and it needs to be addressed.
Product: Credit reporting or other personal consumer reports

Spoke with XXXX XXXX with Dept of Ed about Borrowers Defense. I applied XXXX for Borrowers Defense with the Dept of Education. 
Dept of Ed notified lender XXXX that I was approved for Borrowers Defense on XX/XX/XXXX for all Loans related to XXXX XXXX XXXX XXXX XXXX XXXX ( part of XXXX ) total amount {$190000.00}. XXXX is part of XXXX XXXX and has been identified as fraudulent in their advertising and charges. 
I have made several attempts to have XXXX remove inaccurate balances, and payment history from my credit report. These loans are also currently collecting interest on inaccurate amounts. 

This is in direct violation of 15 usc 1681 ( 2 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Vehicle loan or lease

I verbally asked the rep when I called to arrange voluntarily vehicle return to provide me a 1099C once the vehicle is sold and loan is charged off but I never received it in the mail.
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.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> EMSVETERANS XXXX XXXX XX/XX/year> XXXX DATA XX/XX/year> 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 XXXX  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: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, Experian, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax attributes this account to me ( XXXX XXXX ). This account is NOT my account. This impacts my credit score seriously. 


XXXX XXXX XXXX, XXXX Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Date Opened XX/XX/XXXX Account Status Closed Payment Status Bad debt & placed for collection & skip Status Updated XX/XX/XXXX Usage - Balance {$770.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$770.00} Highest Balance - Terms M 1M Responsibility Individual Account Your Statement CHARGED OFF ACCOUNTFIXED RATE Comments CHARGED OFF ACCOUNTFIXED RATE Contact Information XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice of investigation results from TransUnion on XX/XX/2018 stating that the erroneous reporting account numbered XXXX from XXXX XXXX XXXX has been verified as accurate. I have been fighting this problem with erroneous reporting with TransUnion since XX/XX/2018. In the enclosed docs, you will find a report from the TransUnion website indicating an investigation had been completed on XX/XX/2018 on account numbered XXXX, and more specifically, the account being reported as having 10 missed payments. This account was opened on XX/XX/2018 and closed on XX/XX/2018 and the Highest Balance reported was {$35000.00}. As you can see under the title Dispute Reasons, TransUnion states that the payment history/rating is incorrect and the creditor agreed to delete this account. Now on XX/XX/2018, the account is still erroneously reporting on my credit report. You will also find in the enclosed docs that XXXX has deleted this account from my credit report because they couldn't accurately verify this account. I demand that TransUnion and XXXX also delete this erroneously reported account from my credit report due to defamation of character and negligent enablement of inaccurate reporting.
Product: Money transfer, virtual currency, or money service

I am reporting on behalf of my mother, XXXX XXXX. 
My mother was preyed online on XXXX by a profile under the name of " XXXX XXXX XXXX. '' He pretended to flirt with my widowed mother and lied under the character of being a XXXX XXXX XXXX under the XXXX XXXX that had been working for the XXXX XXXX. He made fake stories of his parents XXXX in a XXXX XXXX, and lied about meeting my mother in the United States. Not only of lying, he would promise my mother that he would pay funds if she had given them. He would make fake facades of fees like XXXX XXXX of entering the United States of {$24000.00}. He would lie about the troubles in XXXX and request other payments prior. 
They would make fake XXXX XXXX invoices and make it seem that this was a way of helping him into the country. We have all their addresses and numbers. 
My mother at the time, did not inform me about this and truly believed him. He manipulated her while she was vulnerable and she had no idea the true intentions behind this awful scam. 
My mother is a first yearXXXX  all alone, and our father or her husband died nearly XXXX XXXX ago. She was recently in a XXXX XXXX and her XXXX XXXX is not in the best condition. I always try to warn her about the scams, but she never knew the evils of certain scams. She felt sympathy and empathy and truly believed that this person was going to pay her back.
Product: Checking or savings account

Goldman Sachs Marcus restricted my savings account and will not let me withdraw money. They will not tell me why and they said that they can't use my cell phone to send a one-time pin. None of my family 's phone numbers will work either, because they can't confirm my identify with public phone records. Funnily enough, they are still happy to take my deposits ( LOL! ) I put money for my wedding in my savings account to earn interest. Now that I need to pay my vendors, I can not access my cash. 

Customer service is not helpful either and are only telling me to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response in my complaint # XXXX and XXXX the one who submitted a complaint on XX/XX/XXXX. This account XXXX XXXX XXXX  is reporting on XXXX and Experian ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX  & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXX  & XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me. 
XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$26000.00}
Product: Mortgage

I was notified in XXXX that the mortgage payment ( {$500.00} ) I paid, XXXX XXXX for the XXXX XXXX due date had not been credited to my loan and was being " held ''. Apparently, my monthly payment was increased ( due a requested review of my escrow ) to account for potential shortage. I did not receive information explaining the increase from {$490.00} to {$590.00} before paying the historical amount. Once notified, I requested to have additional information sent, inquired into whether a credit bureau mark had taken place and requested that the {$500.00} being held be credited to the account as appropriate. I then set up the additional {$100.00} payment to be dispersed ( XXXX/XXXX/2015 ) as well as paying the XXXX XXXX payment due ( {$600.00} ), which I was informed was going to be the new payment moving forward. 
Since completing, I have received XXXX calls, that I now view as harassing in nature, in which Suntrust Mortgage is claiming I owe an additional {$490.00} ( on top of most likely late fees charged in error ). I do not agree with these tactics, as I 've not failed to meet the standards outlined within my contract. I pay my mortgage every month, the required amount and have been more than willing to adjust as needed. 
As of now, should Suntrust Mortgage fail to update and correct their records on file, should I incur any form of negative impact from their inabilities, I will seek legal counsel.
Product: Debt collection

On XX/XX/2021, the Cherrington law firm ( XXXX, Utah ) whom represents XXXX XXXX, Utah, served us with a 10- day summons to pay on a year old water bill. I was given no notice, or Shut-Off- Notice, about this bill. My water bill has been current, including past due amounts. I replied to the Cherrington law firm with a certified letter, stating that I was not responsible for the bill and that I wanted " proof '' that I owed this bill, with copies of the Shut-Off Notice or any other information that would show that I owed on this bill. The Cherrington Firm ignored my request. Three weeks later they garnished my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 an agreement was made with XXXX XXXX to catch my account up. The agreement was that I would no longer he e a delinquent status if I agreed to lay XXXX by the end of each month on XX/XX/XXXX of 2020 XXXX was paid. The delinquencies on this account should have been removed before XX/XX/2020 dating back to when the delinquency began. Request that the new agreement allowing XXXX payments be provided. My payments starting in XXXX and continuing up to this day need to be honored. I have disputed this Numerous times with no success
Product: Credit reporting or other personal consumer reports

This evening, I noticed some incorrect accounts appearing on my credit report, and I have no clue why. I regularly check my credit report, but this time, there were unexpected discrepancies. I tried refreshing my browser, thinking it might be a glitch, but it didn't help. The inaccurate accounts remained even after refreshing. Due to this problem, I'm requesting that the documents I've submitted be thoroughly reviewed so I can stop worrying about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous times contacted about a name I have never gone by and addresses that I 've never lived at or been associated with in anyway. They are still showing and being ran through on my name.