23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a few accounts with XXXX that was paid off nice XXXX XXXX and Experian as well as XXXX mark the accounts as late as of XXXX and XXXX of XXXX Ive deputed the amount as we as the paid dates and they still come back saying it remains I sent certified letters with proof that the accounts was paid off before XXXX of XXXX and they still keep showing the accounts as passed due I told them about the fair credit reporting act and they still didnt resolve the issue with credit report I told them if an account is showing wrong information and its been paid and it keeps coming back as not and I sent paperwork showing I paid them off and it still shows a balance and still reporting me late every month then I want them deleted at once because its and accurate information on my credit report thats being reported too them I have paperwork from XXXX that I paid the accounts in full and XXXX and Experian is still showing wrong information my dispute only take Experian a day too investigate which dont seem like they did anything with the paperwork I sent certified mail as well as on the telephone
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not given the opportunity to opt-out under 15 USC6509 of the third-party reporting and I have not provided written consent for this third party to report anything on my report and with the negative information, has caused harm to my well-being stopping me from providing for my family or providing a way of life for my family according to the privacy act of 1974 XXXX information should not have been sold or given to this agency and this is also a HIPPA violation providing my personal medical information. Transunion and XXXX have allowed this agency to report negative information on my report and medical bills are no longer to be reported. I do not consent to any written or verbal agreement in the past and in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  in was subjected to fraud. I contacted my creditor ''  XXXX  (  XXXX , transunion and  XXXX  ) to file a indentity theft and to get my accounts taking cared of. They did so in  XXXX   XXXX   XXXX  - {$470.00},   XXXX   XXXX   {$1000.00}  XXXX   XXXX  {$580.00} and  XXXX   XXXX  {$810.00} was deleted off of my credit reports. In  XXXX  these  XXXX  acconuts were updated and added back to my account. I contacted the transunion,  XXXX  and  XXXX  to explain to them these are not my accounts they never were. These accounts where made under fraudulent pretenses that I had no knowledge about. I stated these same accounts were deleted in  XXXX  due to myself being subjected to fraud. Transunion stated it was disputed before and verified and there is nothing they can do. They told me to file a complaint by the FTC regarding my accounts.   XXXX   and   XXXX    stated they would submit another dispute, that 's was in  XXXX   XXXX  but nothing has been deleted. These accounts are still on my credit report and they do not belong to me. I demand these accounts be removed from all  XXXX  of my credit files so that these fraudulent accounts can stop hendring me from proceeding with my government job.   Thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the collection accounts reported by XXXX XXXX XXXX on my credit reports. I believe these accounts should be removed as they are not in compliance with the Fair Credit Reporting Act ( FCRA ), and my rights are being abused. 
XXXX XXXX XXXX XXXX Balance Owed : {$1400.00}
Product: Debt collection

Ive tried to contact this company many of times in regards to balances says I owed them. Ive sent letters and called to explain Ive been a victim of identity theft and those accounts Ive never had nor open with them. I even asked for verification and nothing. Yet this company affirm is still reporting negative on my credit report and its damaging it severely.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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

Hello. Last year I had gotten a loan from XXXX XXXX.Here in XXXX XXXX tx located at. XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. In XXXX of XXXX. And I paid ot off. I waited a month and checked my credit report. And it was still being reported as open. I called XXXX XXXX spoke with manager and he said he would take care of it .. as of XX/XX/XXXX it was fraudulently sold or sent to a third party collections agency to collect money I had already paid. And now that has damaged my credit score. I have been trying to build up my score for a while and every point taken away counts. Because of this I'm requesting compensation for damages to my credit score and have advised them I was gon na contact an attorney for further info on what I can do about this. And contacted you guys as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureau keep reporting inaccurate information on my credit file. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions.
Product: Credit card or prepaid card

I have had CapitalOne Quicksilver One card for a number of years. I have been grandfathered in from my first account, because CapitalOne does not have a Quicksilver card that is no annual fee, I would call in and the fee would get waived. The Capital One Member Fee of  {$19.00} was charged on XX/XX/2020. Due to the Pandemic I did not realize a fee was charged, I was more concerned with making sure all of my bills were paid on time. With the recent bill I received I noticed that there was a fee charged, I called in and explained the situation and was informed by one team member that I should have called within 30 days of the fee being assessed to get it removed, when I asked to speak with a supervisor, I was told by the supervisor that they are not waiving Annual fees this year due to the Pandemic. I understand it is only {$19.00}, however, with this Pandemic one would anticipate for a credit card to work with their card members.
Product: Mortgage

MY COMPLAINT, New Residential Mortgage LLC LoanCare , LLC Acc #  XXXX Recently XXXX sold my XXXX mortgages for XXXX different properties to XXXX   XXXX although I get XXXX different statements, XXXX says XXXX XXXX and the other says XXXX XXXX. The first issue I had, which didnt appear for a couple of months, due to the transition, I noticed they added fees when I paid online and after the first of the month. I pay with my Social Security check which I get on the XXXX Wednesday of each month. I called and questioned the fees and mentioned that I had until the XXXX to pay, they informed me that if I didnt pay it on the first they could add fees. I also questioned why they raised my payment from {$1500.00} to {$1600.00} and she was rather vague but indicated it had to do with the escrow. On the other mortgage, XXXX, the payment remained the same but they added the fees for making my payment either online or by phone after the first, and I never had any of these fees with XXXX as long as I paid by the XXXX. I questioned how they could make these changes just because they purchased the loan from XXXX. The individual I was speaking to indicated they could do whatever they wanted to if I did not pay on the first. Just recently I received a letter that includes the annual escrow disclosure statement and it came from XXXX XXXX dated XX/XX/2019. It stated that there was an escrow shortage in the amount of {$5900.00} and it indicates that my current mortgage payment of {$1600.00} is going to be raised to {$2100.00} effective XX/XX/2019. They state the mortgage is owned by XXXX XXXX XXXX XXXX XXXX and service by XXXX XXXX XXXX. XXXX had previously increased my payment from {$1300.00} to {$1700.00} but then dropped it to {$1600.00} and then down to {$1500.00} which is what I was paying when XXXX XXXX took over my mortgage.
Product: Credit card or prepaid card

I was scammed and took a job that was not real. I was asked to purchase some computers and send them to a holding facility so they could ship them overseas to sell. I made the purchases with my credit card and was provided an account to pay off the balances each time. The credit card company took a couple days to process each payment and then cleared each payment and provided me an updated credit availability. About 2-3 weeks into the job I checked my bank account ( like I do daily ) and noticed all of the payments made from the ( what I guess was a fake bank account ) account they provided had been returned. Now I have more than double what I even had available for credit limit on two separate cards which equals just about {$40000.00}. I was expecting to get paid from this so called job not have it ruin my entire life. I dont have a job because I thought I was doing a job I signed official employment documents and everything but now all numbers are disconnected and communication has ceased and I am stuck with all this debt that I have absolutely no way of paying. I dont understand how the credit card company even allowed me to spend more than double what I even had in available credit limit and they are saying I am liable for the full amounts. They are both credit cards with chase bank.
Product: Debt collection

ON XX/XX/2021 I had arrived home from a birthday dinner with family, as I exited my car in the driveway I was approached by a man walked down my driveway towards my back door, he was saying '' sir I'm looking for ... .. '' I asked him what his business was here, and he asked again said he was looking for ... ... I never confirmed nor denied as the next thing he said was that he was trying to collect a debt, I asked for who, he stated " some old credit card '' I took the papers and went into my home to better read them as it was already late in the evening, this interaction in my driveway lasted no more than 20 seconds. My complaint is that this debt collection agency contacted me at an unusual time and place in an attempt to collect this debt it was after XXXX XXXX my time here when this stranger approached my car in my driveway on my private property.
Product: Debt collection

i disputed the item on my credit report XXXX XXXX on XXXX XXXX it is still showing open after 30days on XXXX XXXX it is illegal to buy someone identity and try to collect without ones consent and report to the public usc 15 6802. they will provide wet ink signature to prove contract exists between me and lvnv. Lvnv do not have my permission or consent. i also requested to know if they filed a 1099 for any of the 2 accounts being illegally reported on my report. no reply but i will file id theft form with irs as well in case they filed a 1099.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXX Experian was made aware of fraudulent accounts being reporting due to identity theft fraud. As well Experian was requested by XXXX XXXX debt collector XXXX XXXX XXXX to remove a file.
Product: Credit card or prepaid card

Acccount Number XXXX, Wells Fargo. Master Card The issue is they stopped sending paper statements and I was not aware of this situation. Statements Stopped after XX/XX/XXXX. I have asked Wells Fargo to remove late fees and report to Credit Agencies as this was their mistake. They do no seem to be taking responsibility for this mistake. I am asking for a XXXX credit for these late fees and removal of any negative reporting to the agencies. Wells Fargo case # is XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am have a mortgage with PHH and have been given the absolute run around about a modification that should have been completed already. PHH switched agreements without consenting me the first modification that was presented to me was sent to me and I had to notarize it and sent it back ON time. I paid XXXX dollars to have it notarized, only for PHH to change the agreement without informing me, and the only way I found out about a new modification was by me calling them to inquire about the other partial payment modification that I had previously submitted. Now I have been calling and the new modification have still not been updated. And I previously only owed XXXX XXXX now I owe XXXX XXXX dollars on my home. I feel like PHH is ripping me off to gain a profit off of me. I had no choice but to sign this new modification because PHH waited for the time to run out on the previous agreement so that they could tack on all kind of fees to this new agreement. Knowing that I dont want to loose my house. PHH is not concerned about clients but most concerned about stealing the clients property and money. I have lived here over 30 years and yet I owe more then I purchased this house for. Its truly sad how these companies get rich off of schemes.
Product: Debt collection

ALLIANCEONE REC MGMT XXXX XXXX XXXX # XXXX XXXX XXXX, WA XXXX XXXX THIS ACCOUNT NEVER SENT ME A BILL AND HAS FAILED TO VERIFY THAT THE ACCOUNT IS MINE. 

EVEN XXXX REMOVED THIS ACCOUNT OFF BECAUSE THEY DID NOT FOLLOW COMPLIANCE BUT XXXX AND XXXX  STILL HAVE IT REPORTED ILLEGALLY
Product: Payday loan, title loan, or personal loan

I got a {$1000.00} line of credit through Synchrony Bank Care Credit for Dental work in XXXX of 2018. I have made {$770.00} to date in payments to Synchrony Bank yet my balance is above the original {$1000.00} amount that I used one time in XX/XX/2018. They say I still owe {$1100.00}. How is this legal? I though charging 100 % in interest and fees was illegal?
Product: Credit card or prepaid card

Capitol One is charging me {$25.00} for late payments on the same day the payment is due. on XX/XX/XXXX nd XX/XX/XXXX, I was charged {$25.00} for late payment. My due date is on the XXXX of each month. 

They also closed my account without any notice or any late payments.
Product: Credit reporting or other personal consumer reports

XX/XX/24 Capital One did it hard inquiry on my credit I went online to check about the promotion and they automatically did the hard inquiry on my credit and started to ship me out a quicksilver Capital One credit card without Me accepting the offer.
Product: Credit card

The credit card company with J C Penny ran a credit check without my consent. As a result my credit line was reduced. I pay this company every month with no late fees and on time. I have been a loyal customer with this company for years. I considered this to be an unfair act toward myself. Please help in resolving this matter. Thank You.
Product: Debt collection

Under FDCPA this company is in violation because I have requested validation of debt and the company fails to respond with proof of debt. Under15 USC 1681s-3 I did not authorize any institution to sell my information.
Product: Mortgage

In XX/XX/XXXX, I opened a mortgage with XXXX XXXX XXXX for {$100000.00}. My monthly payment including taxes ( $ XXXX/yr ) and insurance ( $ XXXX/yr ) was XXXX per month. That payment remained the same from XX/XX/XXXX through XX/XX/XXXX. In early XX/XX/XXXX, the mortgage was sold to Mr. Cooper mortgage. When I received my payment information from Mr. Cooper, it had gone up by $ XXXX/month to $ XXXX/month! I called Mr. Cooper to discuss this and was told that my account was behind in escrow because my property taxes had gone significantly. However, I went to the county to talk to the tax assessor and was told that the property taxes only went up $ XXXX/yr. At this point, Mr. Cooper is saying that my monthly principle + interest is about $ XXXX/mth and my escrow is $ XXXX/month. There  is no possible way that I should be paying {$6000.00} per year in escrow. If my escrow account was behind, then XXXX XXXX would have told me that at the end of XX/XX/XXXX, or at the end of XX/XX/XXXX. That never happened. Instead, Mr. Cooper must be trying to skim money off the top of my mortgage.
Product: Debt collection

I paid in full my student loan for my XXXX XXXX XXXX with a loan collection company Called XXXX in XX/XX/XXXX. I received a letter from XXXX acknowledging my payments and then some XXXX yrs later I began receiving notices from other collections companies stating that I owed them for this same debt which was already paid off. I presented them proof and then they would eventually disappear. However, new collectors keep popping up and claim that I owe on a student loan. The most recent collector is aidVantage, who sent me a copy of an application I never applied for in XXXX with disbursements I never received for schooling at XXXX XXXXXXXX XXXX XXXX, which I didn't attend in XXXX. I actually was XXXX XXXX XXXX XXXX in XXXX, XXXX XXXXXXXX at XXXX XXXX XXXX until XX/XX/XXXX. I returned home and not long after discovered this fraudulent student loan activity which also resulted in the XXXX of my XXXX IRS refund. AidVantage. Owes me for my IRS refund, also note my loan of {$20000.00} was overpaid, I paid in excess of {$31000.00} and I want to be reimbursed for the overcharge plus interest as this dates back to XXXX of XXXX. I have also incurred damages as this problem has negatively impacted my credit ratings for more than XXXX yrs.
Product: Debt collection

This company, Diversified Adjustments, states I owe $ XXXX, which I only found out recently when I saw my credit report. Apparently they've had this account, according to them, for 3 yrs, 8 months. I have never received calls or letters from them that I owe this. I tried to dispute this on my credit report but was unsuccessful. Upon calling Diversified Adjustment today, their primary objective was to get $ out of me instead of explain anything. I tried to explain that XXXX was paid off 100 % when I switched to XXXX XXXX XXXX and was interrupted. I can not work with them at all so I'm writing to you. 

I was told that instead of $ XXXX, they would settle for {$43.00} and take the negative entry off my credit report, which I know is not true. They do not take negative entries off reports.