23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed Chapter XXXX Bankruptcy on XX/XX/XXXX and a confirmation date was on XX/XX/XXXX. The company servicing my mortgage changed from XXXX to Loancareand they were going to responsible for collecting my payments starting on XX/XX/XXXX. XXXX provideda escrow statement at that time stating my payments were going to be {$660.00} starting XX/XX/XXXX. The Notice of Transfer sent from Loancare also stated payment amount would be {$660.00}. In XXXX my Bankruptcy attorney advised me that my statement amount is actually {$730.00}, based on what was filed with the courts and listed on the statements that they received. ( There was a change in escrow. I made payments of {$730.00}. My attorney and I requested that the lender send all statements to my primary home in XXXX. Neither of us received statements for months, but I continue to make payments based on the amount of {$730.00} that was provided to me. Later in the year I received a notice that they had not received the payments from me for months. I was shocked because I knew I had made payments. It was later determined that they had received the payments, but they were applying my payments to someone elses account and mailing my statements to the wrong address. Once this was all confirmed by Loancare they still attempted to pursue litigation. In XX/XX/XXXX thaer was a hearing by the bankruptcy court which the judge threw out the case and indicated that I had made all required payments. In XX/XX/XXXX I realized tha t the billing statements still were not correct. I attempted to address this with the lender and did not get a resolution so I filed a compliant. Before the complaint was complete the lender sent me an email on XX/XX/XXXX stating that due to teheir error they would resolve the matter by crediting my account {$4100.00} to make up the difference up to XX/XX/XXXX. I did not pursue my complaint any further because of that email. 

I received an escrow dated XX/XX/XXXX stating that my future payments would be {$860.00} starting in XX/XX/XXXX. I made payments for {$860.00}, but notice that that the statements were still not correct. The credit was never applied and the billing statements were now showing that my monthly payment amount is {$1100.00} and there was a past due amount. I attempted to contact Loancare and they email me on XXXX XXXX stating they will not honor the credit that they promise because they are not required to because the home was a rental property. 

My issues is if the judge found that my payments were on in XX/XX/XXXX. Why would would Loancare carry over any charges into the following year. Also, why is the escrow statements and monthly statements not reading the same amount. 

I'm concerned that my payments are not being applied correctly, my principle amount is not being adjusted correctly and lender is not ethical enough to honor their agreements. I feel the lender will attempt foreclosure again without trying to provide a proper resolution.
Product: Credit reporting or other personal consumer reports

Synchrony Bank continues to lower my credit limits on accounts that have no late payments causing my credit score to be negatively impacted. This started with my Amazon credit card almost 5 years ago. They just recently reduced it to only leave {$9.00} available instead of the roughly {$100.00} available credit I had. I had also opened a line of credit through Synchrony Bank at Rooms To Go. I was granted a {$4000.00} line of credit, used about half of that and have already repaid the majority of the balance, never been late on payments there either, but they also reduced that credit limit to {$1100.00} recently - leaving me less than {$200.00} available credit. Each time they lower my credit limit, it appears that my balance is high and the credit is maxed out, which lowers my credit score and they use that as an excuse to continue lowering my limit - an unjust cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

In accordance with the Fair Credit Reporting act XXXX  Account # 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 card or prepaid card

On XX/XX/2022. Someone hacked my XXXX  account and ordered tennis shoes XXXX. My credit card was not stored on the XXXX website. I don't know how they got my information. I called PayPal and told them about this, and they said they were going to review this matter. This is not the first time someone has hacked my PayPal credit card. I'm not sure what kind of security measure Pay Pal must help keep confidential information safe, but it is not good that this happens to me more than once with this credit card company. Someone also hacked my regular pay pal account and tried to send money to people I don't even know using a virtual card that I never sign up to use. This company needs to fix their security. I know I am not the only one that has had this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX # XXXX, XXXX  # XXXX, Radius # 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 or other personal consumer reports

Western Shamerock is reporting 30 days late on a closed account and reported 2 late payments during loan installment. Both of these issues are not true. The account is paid off in full and closed and all payments were made on time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. 
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish
Product: Debt collection

I would like to dispute the alleged debt and request a debt validation of the debt details. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. I would like the name of the original creditor, the account number associated with the debt, proof that I am the person who actually owns that debt, I would like the amount of the original debt, also an itemized statement showing how the current balance was calculated, as well as documentation that they have legal authority to collect on the alleged debt. In no way am I admitting to the debt until the debt is proven valid, because I am in fact disputing the validity of this debt. Per the FDCPA said company must seize all debt collection efforts until they prove proper validation. Please provide the requested documentation in writing within 30 days. Failure to comply with validating the debt will be taken as an absolute refusal to do so.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite the Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED SOME INQUIRIES ON MY REPORT THAT DONT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed by certified mail to XXXX, XXXX, and Experian ; ( 1 ) appropriate proof of the identity of me as the consumer ; ( 2 ) a copy of my identity theft report ; ( 3 ) the identification of such information by me the consumer, and ( 4 ) a statement by me as the consumer that the information requested to block is not being made in error nor is the information requested by me the consumer is on the basis of a material misrepresentation of fact by me as the consumer relevant to the request to block. The information to block is not information related to any transactions by me as the consumer. 
The certified mail was received on XX/XX/2023 by the three consumer reporting agency.I have not received any notice that the alleged information was blocked within 4 days of the receipt and I have not been able to view my credit reports. 
































XXXX )
Product: Debt collection

I complained about this item on my credit file to equifax and I was mailed a quick response dated XX/XX/XXXX. It is no way that investigation was completed in that length of time. This item XXXX/XXXX   was originated from a apartment complex, in XX/XX/XXXX. The item should be removed from my credit file based on length of time, but instead it is bought and sold, staying on my credit file as a negative item, this item does not belong to me.
Product: Credit card

I am writing to formally dispute the reporting of several charge-off accounts on my credit report, which I believe inaccurately impact my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is incorrect, outdated, or unverifiable. Upon review, I found significant inaccuracies in the following accounts : XXXX  XXXX : Account numbers XXXX and XXXX XXXX XXXX : Account number XXXX XXXX XXXX  : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX ( Collection Account ) : Account number XXXX XXXX XXXX : Account number XXXX Security Credit Services : Account number XXXX According to the FCRA, the credit bureau is required to correct or remove the entry. These charge-offs and Collection Accounts have unfairly impacted my creditworthiness and caused undue financial hardship. I therefore request you to promptly remove these accounts from my credit report.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased a phone in XXXX website by using their store finances through TD Bank ( as attached receipt shows ). I was {$660.00} after instant trade-in discount for trading my old phone ( XXXX XXXX  XXXX XXXX ). My phone instant trade-in value was {$650.00} as page tree of attached document shows. Unfortunately, I did not like the new phone, and I returned it with the 30 days of the XXXX return policy. When XXXX processed the return, they already charged me the trade-in discount because they did not receive my older phone. Because I returned the new phone, I did not need to send my phone. 
The TD bank which XXXX uses was charging me late fees for lack of payment. I contacted with them so many times and explained to them that I returned the phone, and my balance would have been XXXX. I also contacted with XXXX, and they were telling you return the phone, so you don't owe anything. 
I was XXXX between XXXX and TD bank to feature out what is going. When I call TD bank, they were telling me call XXXX and when I call XXXX, they were telling me call TD bank. 
In late XX/XX/2020, XXXX figured out that they did charge me the trade in phone but not refunded. But i was getting charged late fees. 

I so many times tried to explain TD Bank and what was going and to waive the fees, but they pliantly refused to do so. They are reporting me to credit agencies with Charge off and late payments.

I even filled out and sent a form they sent me XXXX about the dispute but they have not processed it.
Product: Bank account or service

Please excuse my writing errors as I am submitting through my XXXX. I was contacted by a debt collection agency that stated that I owed PayPal money through synchrony bank in the amount of {$320.00}. I tried several times to contact Synchrony Bank and all they would tell me was that it related to a PayPal account that was opened and closed. I was able to show them that I have had a PayPal account for several years and had not opened or closed any additional accounts. Regardless the bank let me know that they could not help as the debt has been past to a debt agency. I asked for documentation that both proved the account was opened by me ( in hopes of showing this was fraud ) or that I was notified of an open debt but they said it was out of their hands and the debt collection agency is who I needed to deal with. After contacting the debt agency, XXXX, I sent XXXX dispute letters. All they did was send me the same information of the original creditor, Synchrony Bank, and links to file a long fraud or identity theft claim. As I could n't get any original documentation of the account opening and as a medical resident have little time to continue calling the PayPal bank and debt collector I decided to pay. I now believe that I am part of the PayPal dispute that illegally opened an account without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received any investigation results from the credit bureaus regarding the accounts I listed even though I have sent them letters multiple times : XXXX XXXX Account # XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account # : XXXX | XXXX XXXX Account # : XXXX -- XXXX XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This account is not mine for the amount of {$240.00}.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, marital instability, the loss of jobs, and invasions of individual privacy.

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove all adverse remarks for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BAL : {$5900.00} As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide me with concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.
Product: Mortgage

I have fallen behind on my payments. I applied for a modification which I did not qualify for. In XX/XX/XXXX. I contacted retention and made a payment of about {$3200.00}. I called today to XXXX another payment of {$1200.00}, monthly payment is {$1000.00} and there is a couple XXXX in suspense. They refused to take my payment said I had to pay XXXX in full, would not allow me to speak with retention. They said I failed to keep my agreement, which I had no agreement I was n't approved for the modification. Last year I experienced so setbacks, but I am trying to remedy that and move on. I need my home I have children. But Carrington Mortgage Servicing is unwilling to allow me any solutions. I do not receive regular communications from them so I am not sure where I am with the loan. I calculated I will have the loan current and will be able to pay monthly by XX/XX/XXXX, if allowed to make the larger payments in XX/XX/XXXX and XX/XX/XXXX.
Product: Mortgage

On XX/XX/2019 they have received all the documents they need for the short sale review and they will only be able to make a decision on the account once the appraisal is completed. We have requested for callback from the POC but then the callback was made after XXXX EST. 

We have been checking for updates everyday and we only have found out on XX/XX/2019 that the appraisal has returned on XX/XX/2019 and up until now their is no new update.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting of Late Payments Account No. XXXX To the Consumer Financial Protection Bureau : I am filing this complaint under 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the consumer. 

My account number XXXX has been reported as having XXXX late payments for the months of XX/XX/year>, XX/XX/year>, and XX/XX/year>. However, these late payments are inaccurate, and I am requesting immediate action to reverse these erroneous reports and correct my payment history to reflect " on-time '' status for these months. 

The inaccurate reporting of these payments has caused significant harm to my credit score and financial standing, resulting in damages, including but not limited to the following : A decrease in my credit score Potential difficulty in obtaining future credit Emotional distress and financial hardship caused by the wrongful reporting I request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and direct the credit reporting agencies to : Remove the inaccurate late payment reports for XX/XX/year>, XX/XX/year>, and XX/XX/year>. 
Correct my payment history to reflect that these payments were made on time. 
Compensate me for any damages, including any legal and financial consequences, caused by this inaccurate reporting. 
In accordance with 15 U.S. Code 1681e ( b ), I expect all consumer reporting agencies involved to take immediate steps to correct this information and ensure the accuracy of my credit report moving forward. 

I appreciate your prompt attention to this matter. Please contact me if further information or documentation is required.
Product: Debt collection

My XXXX credit report contains a debt from Pro Collect in the amount of {$5800.00}. I have long disputed this account for containing incorrect information. Now they have put the debt on my credit report XXXX with XXXX different opening dates, which is not correct for either. I have attempted to dispute this several times only for my disputes to be completely ignored. I do not believe anyone is actually looking into this to see if it needs to be corrected because they would only have to read my notes and verify the information to see that this account is on my report XXXX since about XXXX of this year. I have called and asked for them to look further to no avail. I am making this complaint in an attempt to get some assistance with this issue, it is not okay for a credit company to further lower my score and continue to harass me by putting erroneous information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOE/XXXX  Company Inquiry : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. this was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. this error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/year>. to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

discover bank Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Credit acceptance XXXX XXXX and XXXX XXXX have violated Title 42, Section 408 ( a ) ( 8 ) of the United States Code ( USC ) by publicly using my social security number publicly in concert attempting to deprive me of my right to free will. Further violating U.S.C title 18 section 242 color of law. Credit acceptance has lied about documentation sent to me which I have never received mostly because they are reporting a in accurate address claiming it's accurate. Also violating the false claim 31 u.s.c 3729 by false inaccurate reports all companies and agencies named in this complaint has 10 days to correct this issue or I will be seeking the United States of America federal courts for my further civil and criminal remedies. I further request that credit acceptance XXXX XXXX XXXX all send me proof of my authorization to report anything publicly. This is defamation of character and an assault on XXXX Americans.