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

Im a victim of identity theft and have notified the credit bureau of the incident of the data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

First BankCard ( XXXX XXXX issued Visa Credit Card ) emailed me my credit card statement for payment due on XXXX XXXX, 2016 of which i immediately as i always do send payment of {$230.00} ( above required payment ) through XXXX XXXX XXXX Billpay. The payment reached and was posted to First Bankcard on XXXX/XXXX/2016. On XXXX/XXXX/2016 I received another emailed statement stating my payment had not been posted. I generated a payment history on my XXXX XXXX XXXX bill pay and shows my payment was indeed paid and posted to First Bankcard on XXXX/XXXX/2016. I received yet another emailed statement on XXXX/XXXX/2016 stating my payment due was doubled to {$460.00} and my prior payment had not been posted and the new payment was due XXXX/XXXX/2016. Now i am considered delinquent. I contacted First BankCard on XXXX/XXXX/2016 at XXXX am eastern time and explained they were misleading their cardholders. Is what they did is emailed me a statement on XXXX/XXXX/2016 with payment due date of XXXX/XXXX/2016 but make their statement cycle end date of XXXX/XXXX/2016. So when i made my payment and it posted on XXXX/XXXX/2016 First bankcard employee stating my payment was posted to principal for the prior month cycle before XXXX/XXXX/2016 ( XXXX/XXXX/2016 new cycle starting ). So now since i am thinking my payment was posted and not worried about it until the following month they did not post my payment to the new cycle causing me to believe it was paid and misleading their cardholders. That small time gap makes people think their payments are posted to the new billing cycle but are fooled when the cycle actually starts days later and the payment is posted hours or days earlier. I want any negative comments posted to my credit removed and i want First Bankcard to remove any notations of me paying my bills late within their system which could jeopardize my low fixed credit card interest rate with first bankcard. remove any late fees also to my account.
Product: Debt collection

As of XX/XX/2022 without prior notice in writing to me, consumer ; I am not 100 % percent sure if this account belongs to me. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. XXXX and Specialized Collection Systems are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, account XXXX XXXX XXXX XXXXXXXX alleging {$13000.00} is owed, the account must be deleted. I want this account deleted if it not 100 percent right, verified, validated and correct. By law you have 30 days to complete this investigation. Said investigation must have proof of contract, with my wet ink signature to include proof showing a power of attorney that I granted XXXX XXXX XXXX consent to share my personal information to third party debt collectors and Specialized Collection Systems . 

Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Please investigate every piece of information for this account. If it's not accurate, please remove it from my credit report.
Product: Debt collection

I very often get phone calls from ( XXXX ) XXXX and when I answer it is the same female robotic voice telling me Century Financi is trying to collect a debt which I do not have any debt. When I call back the number, no one answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with Transunion taking the hard inquires that are reporting on my credit report. I explained to them that I did not make them inquires and I even sent in my government state ID ' s and my S.S. card as they requested. Please do a follow up. Thanks.
Product: Credit card or prepaid card

I have been paying on time until XX/XX/XXXX. I missed XX/XX/XXXX payment due to sickness. 
I called CHASE to wave the fee this time, but they didn't listen. Next month payment increased from {$29.00} to {$85.00} that is way too much for me to pay since I lost job since XXXX. 

I called them to wave the fee and interest and lower the minimum payment to {$29.00} but they didn't listen. 

CHASE emailed me to recover program to take the class online. If I finish I will get {$60.00} credit but they didn't. Now my payment went up to {$140.00}. 

I sent a letter, they didn't write me back. When I call them same conversation over and over again. They waste my time. 

Now my balance went up from {$980.00} to {$1300.00}. 

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

On the date of XXXX XXXX/2021 I discovered a account being reported by Transunion as an collection. I have never open or owned any such account. I disputed this account not only because it was false and inaccurate and not mine. Upon investigation it was found that the company also was reporting fraudulent information such as account numders, names and addresses which are by law also grounds for removal of said account. On XX/XX/21 the account XXXX XXXX XXXX was removed from my credit file. On XX/XX/XXXX I noticed that it has been reinserted on my credit file. I received no notice or warning
Product: Mortgage

Caliber Home Loans has screwed up my escrow account twice. First they paid an irrigation assessment they were not supposed to pay and began charging me {$100.00} a month more to cover their mistake. I also paid the assessment and cant get that money back. Now they have failed to pay the second installment of my property taxes and I have been assessed a penalty and late fee which they will have to pay. They are unresponsive in fixing these issues and I can not change mortgage companies. I did not ask for them they bought my loan and now I am stuck with their XXXX service for the next 28 years.
Product: Student loan

Similar issue to previous complaint # XXXX submitted in XX/XX/2017. After coming to an agreement to correct Fed Loan Servicing 's error in processing my student loan repayment, they have once again sought to increase my repayment step-up by more than 89 %, which is completely unacceptable. I contacted the Fed Loan Servicing office indicating that I've had this issue in the past and that I would not diverge from the original agreement I signed, which called for increases of approximately 20 % every two years. Their response was to revise my repayment plan to an increase by more than 70 %. As you can imagine, constantly having to deal with this organization is unwarranted and unacceptable. Since Fed Loan Servicing has shown a tendency to ignore the needs of their student borrowers, I am once again leaning on the CFPB for assistance. I have also indicated to them I will increase my monthly payment by approximately 20 %, as agreed previously, going forward. I also indicated I will file suit if Fed Loan Servicing attempts to garnish or other means of collecting an inappropriate amount of my loan balance.
Product: Credit reporting or other personal consumer reports

I could not log in to my Equifax account so I call the company and they reset my password and I tried to login in. Got and " Internal Error Code '' and was told that it may take a few days. 2 weeks later same issue, called them again to which they said it has to be escalated and they will call me back. 2 weeks later again no call so I called them back and they had no idea about my issue. Started the process again, reset password and again, error code to which they told me it needs to be escalated and they will call me back. It has now been 30 days and nothing. I just want a copy of my credit report because I believe there is fraud going on and I cant access it for over 2 months! Equifax is not acting in good faith.
Product: Money transfer, virtual currency, or money service

XXXX of my accounts were closed p. They claimed it was due to activity they deemed goes against their policy. I asked them how come both of my emails were suddenly changed and they didnt provide information on that breach which violates the XXXX XXXX XXXX XXXX XXXX XXXX. my email is XXXX and it was mysteriously changed to XXXX, I suspect a breach of my private data information. When I tried to open another account they were unable to verify my identity and Im a XXXX XXXX.
Product: Debt collection

Synchrony Bank calls multiple times per day ( usually between 3 - 5 times per day ) regarding debt. The company calls from multiple different numbers.
Product: Mortgage

Approved for remodification with Mr. Cooper. However remodification contract sent in deceased mother 's name. Remodification Contract was never corrected. Final mortgage payments were then placed in an Mr. Cooper unapplied account and I never received unapplied payments back. After which, my Mr.Cooper mortgage was transferred to XXXX without a remodification or unapplied mortgage payments returnrd.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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

I disputed this Item several times with along with others with Equifax however, they did not comply with the State Attorney General Settlement Agreement and 609 letters  with this one particular item. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : Equifax has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify the item. If you do not have any documentation in your files to verify the accuracy of these disputed item then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.
Product: Mortgage

A refusal of a bank to refinance a maturing 2nd mortgage with a predatory balloon payment. The mortgage holder ,a senior citizen  never missed a payment for 15 years and can continue to pay monthly principal and interest payments until the sale of the house.This is the same bank that ripped off it's mortgage holders in a forced place insurance scheme class action scam.  I am part of their New fee scam. In XX/XX/XXXX XXXX XXXX XXXX made a consumer loan to me never mentioning the pending balloon maturing in XX/XX/XXXX.A New local loan officer  in XX/XX/XXXX called me warning me of my pending foreclosure. She suggested I apply for a modification borrowing not the current amount of XXXX but $XXXX principal. After several weeks I was denied the modification on the basis of too many inquiries(all the inquiries were made by XXXX XXXX),outmoded and arbitrary loan ratios,and the loan the bank made in XX/XX/XXXX.Now the bank has started foreclosure.Dreams of anew fee scam are dancing in their heads.I wrote the president of XXXX XXXX XXXX alerting him .Never a reply. This bank is corrupt from it's head I expect much false witness against a me from this bank. .
Product: Credit card or prepaid card

I notified the company on XXXX that there were fraudulent charges made to my account dating back to XX/XX/2016. At the time I opened the account I had only used it sparingly. I never received any statement of account in the mail or otherwise. The claim was referred to an investigator within the company to substantiate my claim. Since then, they have denied, and I have requested them to reopen the claim 3 separate times. I have never received any request for other information or affidavit in response to the charges in dispute. Finally, after 3 separate investigations, and many phone calls, and letters to Synchrony Bank ( PayPal Credit ), I received on XXXX, that based on the information they have so far, they have approved my claim. 
However, as stated in previous notifications from them, they never, and still have not issued provisional or permanent credit to my account from the disputed charges. 
I contacted them in XXXX and XXXX to notify them that they were still reporting my account in both my billing statement and to the credit reporting agencies as $ 4K+ over-limit. 
I wrote to Synchrony on XXXX to officially document my experience and to put them on notice for continuing to bill me while the investigation was in process and requesting that my account reflect the amount it was on XXXX, and report to the credit bureaus the amount on that statement of XXXX CR. They never replied to my letter aside from the form letter received two months later that the investigation was complete, but could continue for another 2 months.
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 rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX : # XXXX, Account name : XXXX : # XXXX XXXX U.S.C 1681 Section 602 A, states I have a right to privacy.

15 U.S.C 1681 Section A Section 2, 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 and crimes which antedates the report by 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall Not furnish any information relating to a consumer to any consumer reporting agency if the persons knows or has reasonable cause believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I TRY TO DISPUTE INFORMATION WITH TRANSUNION, XXXX, XXXX THAT'S NOT TRUE I HAVE DONE EVERYTHING AND STILL NO ONE IS HELPING ME
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This car was paid of by my insurance company I did not sign any documents this springs oaks capital and did not agree to do business with XXXX XXXX XXXX XXXX XXXX XXXX XXXXraudulently have my personal information in they database and I do not approve they are trying to collect XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts have been made with Santander to correct the information reporting to two out of the three credit reporting agencies, XXXX and XXXX. A dispute was made for a third time to XXXX and XXXX stating the information for a 30-59-day late payment was incorrect and needed to be fixed immediately. XXXX and XXXX came back with a statement that states Santander Consumer is providing accurate information even after a formal statement issued by Santander to myself was issued to the agencies as proof. Santander continues to report false information even after providing a statement that the information would stop being reporting several months ago. As a consumer I should not have to suffer for the negligence of your customer service team providing inaccurate information to me about payment schedules during a refinance process. This is my FINAL notice to Santander Consumer to correct the information. Two letters prior were mailed out with the documents you requested, copies of my credit report showing the inaccurate reporting. If Santander does not comply to the statement you issued to me stating, you corrected the wrongful information on a certain date, I will use my right under the FCRA to take legal matters against the company. Attached is an XXXX credit report dated for XX/XX/2019. Please refer to the highlighted section for the statement issued stating Santander is reporting the negative mark as accurate instead as removed.
Product: Student loan

I am a veteran that has a VA rating 100 % based on my XXXX XXXX. My loans were approved for discharged by XXXX  XXXX XXXX department. The letter stated that my loan holders had 150 days to return any payments I have made since the date of my XXXX  by the VA.

The approval letter from XXXX XXXX XXXX XXXX was XX/XX/2018. My other loans had re paid all my payments and have discharged my account and closed the account. XXXX, as of now, has yet to repay me for payments made and every time I call, no one seems to know the status of my account. I have talked to supervisors, who gives false statements to get me off the phone.

I talked to a supervisor who stated that it was the responsibility of my other loan holders to re-issue payments to me.

Another supervisor, explained that it was the responsibility of the Department of Education to discharge loans and to issue out any payments.

The 150 day period for repayment was due XX/XX/2018. I have not received any letter or phone calls regarding the status of my account and payment refunded to me.

Its sad that veterans and others get treated like this from a company who refers its lead as a place that takes care of its customers. I have XXXX   and I get so frustrated and angry when I talk to one of their representatives.
Product: Debt collection

consist daily and evening calling to my home landline ( XXXX ) and my cell ( XXXX XXXX ) using different phone numbers with a name of Portfolio Rec XXXX XXXX  and XXXX prefix, received a call XXXX on XX/XX/year> @ XXXX XXXX  that was disturbing to me that consist of a couple of heavy breathing sounds from a male voice. The heavy sounds freaked me out, because the sound did not appear that the person on the other end, of the call had a XXXX XXXX  problem.
Product: Debt collection

I received a notice that my score went down. I go online to check it. A new collection is on my account. I never applied for service with at XXXX XXXX
Product: Mortgage

they keep adding 30 day lates to my mortgage pay history they say that no matter how many days the payment is late they can mark it 30 days late if it is not made by the next due date. in XX/XX/XXXX of 18 they have marked my credit 30 days late and it was 28 days late thus adding derogatory information to my credit report that is in accurate. this is not fair credit reporting and they need their practices investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Equifax credit report. The report showed credit inquiries that I do n't recall authorizing. I have called Equifax and the companies who requested the inquiries to no avail. I have no accounts with these companies listed below, and I have been given a complete run around by trying to get these items removed. 

Company Name : Date : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional  and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

FICO Score History Date Fico Score ( as Reported by Experian ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX How can someone trust this report which fluctuate without any wrong doing by a consumer? Can Experian attribute thygose score to the already settled collection ( XXXX XXXX, XXXX )? XXXX  reporting resembles a torture of consumers.