23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been making 2 payments per month directly from my bank to the mortgage company, my mortgage is due on the XX/XX/XXXXof every month. I make a payment 15 days prior to the mortgage coming due and then on the XX/XX/XXXX. I was told that because there is no balance due on the account on the XX/XX/XXXXof each month, the loan company has been applying my payments to multiple accounts including principal. On my loan statement, it states that the funds would be placed in suspense and then when the balance of the partial payment is made it will then be applied to the mortgage. This has not happened. 

I have called the mortgage company and submitted online emails to them advising them that I am current. I have provided them a list of all the payments made that are confirmed from my bank. 

Each call they tell me that they will remove the past due fee and correct the problem. I have learned that on several occasions, the representative only removed the past due fee but never corrected the transaction. I am now showing a past due balance of 1 full mortgage payment. 

I did track back to an error that they have not fixed and they are now advising me that they can not correct the error because it is in last years transactions and that year is closed. They asked me to place my request in writing but there is a good chance that they will not correct the change. 

I am showing late on my mortgage statement and I am in the process of applying for a home equity line of credit with my bank. I had to explain for this and am being impacted because of this error. If it isn't fixed I am sure that they will at some point place me into foreclosure because of their errors. 

I can show all my payments to evidence timely mortgage payments were made. 

I need help! Can you assist?
Product: Credit reporting or other personal consumer reports

Dear Vance & Huffman LLC, I am writing regarding the account XXXX. This letter serves as formal notice that I am requesting you cease all communications with me regarding this account, effective immediately, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

While I am requesting that you cease direct communications, I am also requesting that you upload the following additional information to the Consumer Financial Protection Bureau ( CFPB ) portal to ensure the accuracy of my records : Date of Last Payment Date of First Delinquency Date of Charge-Off Please note that this request is being made to verify the accuracy of the information being reported about this account. I expect you to comply with this request in a timely manner and to provide the requested details via the CFPB portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a company XXXX made a hard pull on my credit. Their information was provided as such : XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Apparently someone was trying to rent housing in XXXX Using my information. I have never contacted this company in regards to obtaining financing. When I attempted to contact them, I was not able to speak with a rep. 

Two other previous dates, there were hard inquires for Renting. Iv owned my own home since XX/XX/XXXX. 

One was a resident verifiy XX/XX/XXXX, the other was XX/XX/XXXX by the same company.
Product: Debt collection

On XX/XX/year>, I reviewed my credit report and discovered a collection account from ProCollect on behalf of XXXX XXXX XXXX in the amount of {$6700.00}, reported on XX/XX/year>. I had no prior knowledge of this account, nor did I authorize ProCollect or XXXX XXXX to access, report, or collect any of my financial information. 

Furthermore, the address associated with this account was never reported on my credit file until this collection appeared. This raises serious concerns about the legitimacy of the debt and the accuracy of the reporting. Additionally, my personal information was compromised in a data breach, which may have led to fraudulent activity on my credit report. Given these circumstances, I have reason to believe that this collection account was opened and reported in error. 

I was never informed of this debt, never received verification, and did not authorize any such financial obligation. Therefore, I am formally disputing this account and requesting its immediate removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX  and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$39000.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$39000.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2.  The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXE Date of inquiry : XX/XX/2023 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For approximately 2 years I have tried to dispute inaccurate information on my personal credit report with the three bureaus ( XXXX, XXXX, and XXXX  ) and AMEX with no success! Each time I attempt to get accurate information VERIFIED and/or changed or removed the bureaus send a letter back indicating " verified with the bureaus ''. Each time I contact AMEX directly to VERIFY accurate information is correct and being reported to the bureaus correctly AMEX will send copies of old account statements. When asking the three bureaus ( XXXX, XXXX, and XXXX  ) to VALIDATE that the items being reported by AMEX are correct since there are SO MANY errors across the bureaus I get a letter back stating " our information that is being reported is correct ''. When asking AMEX to VALIDATE information on my credit report because of the vast DIFFERENCES being reported across the bureaus AMEX does not respond or sends old statements. I have attached just the past correspondence to the three bureaus ( XXXX, XXXX, and XXXX  ) and AMEX via certified letter for your review. I will also send you the new letters indicating the same. Lastly, I will send you just one of the many denial letters that I have been getting over the past 2 years from my creditors.
Product: Debt collection

I disputed this false reporting of a {$16000.00} debt with Chase Auto Finance in XX/XX/XXXX. I again disputed with XXXX and Chase last month. XXXX is still reporting a reaffirmed loan and late payments after the debt was XXXX in bankruptcy in XX/XX/XXXX. This loan was not reaffirmed. The car was returned. XXXX balance is owing. 

This is preventing the processing of mortgage loan. Increasing interest rate and compromising loan approval because of income to debt ratio and late payments.
Product: Debt collection

This company called my brother today. My brother, who I RARELY have contact with, and definitely did n't have contact with back when they say this debt was obtained. For one, this supposed debt was in 2009 in Alabama under a misspelled name. Secondly, I have already asked for documentation of this debt for the past 2 years and never received it. Lastly, they have now called my in-laws, my moms husband from 10 years ago, that she 's no longer married to, mother, and now my brother ( who recently got a new phone number, so I know this number was never provided to them. Ironically, I had just talked to him yesterday for the first time in years, then this morning they all of a sudden call him to say I 'm going to jail if I do n't pay off this debt ( same thing they told my in-laws and my ex-step-grandmother ), because they claim they ca n't serve me papers.

This is HARASSMENT!
Product: Student loan

My ( now ex ) wife and I were cajoled into consolidating our federal education loans in XXXX. We had paid as agreed for many, many years, over {$110000.00} we have paid. We separated in XXXX and divorced in XXXX but continued payments for several years. Unfortunately, we had severe financial difficulties due to the divorce, I had to file bankruptcy, etc. Nonetheless, we paid until a deferral was granted. After a brief deferral we got into better shape financially and started back on income based payments. Dealing with AES/PHEA was ridiculous. They are the worst servicer on the planet. We had trouble since the XXXX consolidation and ever since. Nonetheless, after quite a bit of hard work, we got the income based payment plan set. I pay half and my ex-spouse pays half in separate payments. I have not had issues with my payments but after several months of not having payment issues my ex started having her payments rejected for no reason. These were auto paid through the bank. The bank stated they had no changes, no issues. AES, however, would never communicate. For months and after over 100 emails, letters, faxes, calls, no response. Then they closed the call center in early XXXX due to Covid so no more calls. After at least another 100 emails, faxes, writings, etc. We started getting generic, computer generated responses which did nothing. IN the meantime they sent at least 10 emails and 4 letters a month telling us we were late and gave us late charges. Long story short, after several months, just recently, they somewhat acknowledged the issue but did nothing in response. In the interim, we sent payments directly. We were fully caught up but still have the late charges and they still send notices although they stated we were not past due. NOW, they have pulled a completely different scam. If you have seen the email they sent out about Covid ( and if not I will send it to you ) you will see it says NOTHING about CARES Act, instead saying to " contact them if you have been affected '', which is nearly impossible. NOT ONE TIME do they state the CARES Act defers payment with no interest. My ex was contacted by them and told she needed to fill out a Forbearance for the CARES Act!!! Which she did before speaking to me. So NOW our loan shows as being in forbearance which is completely false as it is suspended under the CARES Act. Not only that, BUT THEY ARE CAPITALIZING INTEREST! They are doing that because it is coded as a FORBEARANCE. This servicer is, has been and always will be a fraud, a scam a stain on the US Dept of Ed, I can not understand for the life of me, after all they have done wrong over the last 20 years why the US Dept of Ed lets them service their loans. And people like us are just ignored as they go about their fraud. WE NEED ASSISTANCE!!
Product: Mortgage

I have been trying to contact a company called NewRez about our mortgage loan they acquired. i have tried calling them since XX/XX/2020. i emailed them on XXXX XXXX i even called their sales team on XX/XX/XXXX and XX/XX/XXXX, only to be told by the sales team they were sorry they couldn't help us. i have sat on hold EVERYDAY since XX/XX/XXXX for at least 1 HOUR, and NEVER spoke to anyone! i have yet to get a response from my email on XXXX XXXX i have even left a voice message for someone to PLEASE call me back. NOTHING! i can not get in touch with anyone in service whether by phone or email, for now going on 22 days! All i am trying to do is defer my XXXX and XXXX payments to the end of the loan or just pay the interest for those two months because of the virus. our money is tight just like everyone else, and i am just trying to 1. make sure it is okay to do one of those options, and 2. our credit will not get XXXX  up because of this predicament. all i am asking for is to be able to talk to someone, PLEASE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan with UpStart, it was for 3 years. I paid regularly and paid the loan off 2 years earlier at the end of XXXX. They reported in XXXX as required by law to all 3 bureaus, so I missed the cut off. So XX/XX/XXXX comes around and it's still not reported to the credit bureaus. At that time, I submitted a dispute to all 3 credit bureas after the land was paid off. All three came back, saying that the loan amount listed was valid. I've now called Upstart 6 times, speaking to a supervisor three times. On my last interaction, he could said that they didn't report it as required by law on XX/XX/XXXX. So as of XX/XX/XXXX, nothing was reported to any of my credit bureas. Bascially, no explanation why. I've reached out to my attorney regarding this and I have rights as a consumer and they have broken the law. The reason I was trying to get this resolved was I was applying for a mortgage and this still showed up on my credit report. I was denied the mortgage after of weeks of trying to get this resolved. Now, I want to sue for fraud, breaking the law, and damages.
Product: Credit card or prepaid card

I received a voice mail from caller ID XXXX XXXX saying there was a {$200.00} charge on my Chase/Amazon card. The charge is on hold I should call the above number and have it taken off hold. They said my card was compromised. Call came in on XX/XX/2021 XXXX XXXX. Chase/Amazon said no problem with my card must be a spam call.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. My name is XXXX XXXX, and.I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX  XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is too old to be on credit report. First date of delinquency is incorrect. Account was opened in XX/XX/2016 and no payment was ever made and it was sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

UNAUTHORIZED ACCOUNTS : 1. XXXX XXXX XXXXXXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX XXXX  Account Number  : XXXX 5. XXXX Account Number : XXXX 6. XXXX Account Number  : XXXX 7. XXXX XXXX XXXX Account Number : XXXX 8. XXXX Account Number : XXXX 9. XXXX XXXX Account Number : XXXX 10. XXXX Account Number : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 ... ... ... ... section- ( 602a ) section- ( 604a ) section2 Equifax information services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My Target card was due on XX/XX/XXXX, I went to pay on line, and it.kept saying it was sending me an access code via email, like it dies every time I access my account. I tried several times and didn't receive an email. On XX/XX/XXXX, I got the access code via email on the XXXX try and paid my bill. Today XX/XX/XXXX I get a {$30.00} late charge. I called Target and they removed it. How many people are not calling Target and just payinf.the fee?
Product: Payday loan, title loan, or personal loan

Once they offered me the loan and did a hard credit check inquiry, they began to put up unreasonable barriers, including the sending of a 60 page generic teacher contract. They still refused to release the loan. In my last letter to them I tried to explain. 
The following was my last attempt at closure. 
" Your underwriting department is unable unwilling to distinguish between a general teacher 's contract, written for hundreds of District employees, and my personal current employment status. As I have already shared with you, I am a tenured teacher who has been working in the same school district for the past 18 years. This can only be verified by an email or phone call to my district, not by an examination of a generic teacher 's contract which does not mention me or any other employee by name. In fact, my tenure provides me with protection from any rapid or haphazard termination, which in most cases, would make me a very desirable loan candidate, the logic of which is missed by your very own underwriting department. 
In a nutshell, my private banking information, including my account number has now been compromised. Additionally, the inquiry you placed to the major credit bureaus is now adversely effecting my ability to look for a consolidation loan elsewhere. This is unfortunate for me, an individual who is attempting to rebuild and repair my own credit. '' The customer service agent, XXXX XXXX, seemed to enjoy the fact that my loan was not approved. I'm only asking for the hard inquiry to be withdrawn at this point. But they refused. I don't appreciate or deserve this abuse. 

Thank you for your consideration. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in reference is my XXXX XXXX  Account ending XXXX and it has several discrepancies across all the bureaus. 

Issue 1 : Date of last payment [ XXXX shows XXXX XX/XX/XXXX, Experian shows XX/XX/XXXX, XXXX shows XXXX XX/XX/XXXX ] Issue 2 : Account numbers differ ( see attachment ) Issue 3 : Date closed details [ XXXX shows XXXX XX/XX/XXXX, Experian shows XX/XX/XXXX, XXXX shows no date/info ] According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

I did not provide my permission for the sharing of my private information. Information reporting that affects me as a consumer is NOT fair and XXXX. I never received the right disclosures or a choice on the sharing of my information. Any advantage from these transactions has not gone to me. I feel like an identity theft victim. Please block, delete, and promptly take them off of my customer report. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. Also, they aren't even in compliance with Metro 2 credit reporting.
Product: Student loan

I was informed my student loans from XXXX would be transferred over to navient. All my information would be updated from XXXX to navient from what I was told. When I received a notice that my loan with navient was due I called and said this isn't right the due date, the auto deposit etc. They told me they tried reaching out to me which I never got anything and was told they would fix it. I called in XX/XX/XXXX to fix it and was told my due date would be XX/XX/XXXX that's the latest I can make a payment ( which I don't agree that XX/XX/XXXX the only date ). I got disconnected and called again. I was told by a supervisor my payments would be on XX/XX/XXXX instead. I checked my account end of XX/XX/XXXX and noticed they didnt update it. I called today XX/XX/XXXX and all the way to the supervisor said there was no record of anyone noting the change to XX/XX/XXXX not XX/XX/XXXX. I asked to pull the phone conversation and they said they can't. They have recorded lines and don't appreciate how they treat the borrowers. They need to stick to what they say if they tell an individual anything towards their account.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents, also persuant 15 usc 1666 Late payments should not be reported so I am also requesting late payments be removed from my consumer report.
Product: Credit card or prepaid card

I requested a credit balance refund for my XXXX XXXX on XX/XX/XXXX. I was told I needed to send in proof of payments that were made on XXXX and XX/XX/XXXX. I was told to send them via Secure message which I did on XX/XX/XXXX. I received confirmation that my documentation was received on XX/XX/XXXX. 

On XX/XX/XXXX I asked support what the status on my refund check was. I was told that the request was denied as they needed to receive proof of the payments. I told them that I sent in proof of the payments on XX/XX/XXXX. I was told they they could not access them as they were customer support.
Product: Credit reporting or other personal consumer reports

Dept of Education XXXX Account XXXX - XXXX i just received my credit report. I noticed that, You are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of XXXX XXXX According to the FCRA, I have the right to an accurate credit report .Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion