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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple violations of federal consumer protection laws by several creditors. My hope is that the Consumer Financial Protection Bureau will take action to enforce the relevant laws and ensure that my consumer rights are upheld. Additionally, I would like to share a deeply personal story that illustrates the severe impact these violations have had on my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Multiple violations including improper reporting practices, inaccurate information, and reinsertion without proper notice. - Relevant Laws : FCRA Sections 1681e, 1681i, 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Unauthorized credit inquiry without my consent. - Relevant Law : FCRA Section 1681b 3. **Personal Information** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Inaccurate personal information reported. 
- Relevant Law : FCRA XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Violations : Multiple violations including improper reporting practices, inaccurate information, and reinsertion without proper notice. 
- Relevant Laws : FCRA Sections 1681e, 1681i, 1681s-2 The impact of these violations on my life has been nothing short of devastating. Due to the inaccurate and improperly verified information on my credit report, my ability to secure housing, employment, and even simple everyday transactions has been severely hindered. I have been unjustly denied rental opportunities, faced higher interest rates on loans, and felt the constant burden of financial insecurity. 

These violations have caused not only financial stress but also emotional turmoil. I have struggled to provide for my family and faced humiliation and embarrassment due to circumstances beyond my control. The sleepless nights and XXXX I've experienced as a result of these violations have taken a toll on my mental and emotional well-being. 

With all due respect, I implore the Consumer Financial Protection Bureau to take strong and immediate action to ensure that my consumer rights are upheld and that justice is served. I humbly request that you use your authority to compel the relevant creditors to remove these unverified and inaccurate accounts from my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act in the best interests of consumers and ensure that my rights are protected. I am hopeful that this dispute will lead to a resolution that allows me to regain control over my financial and emotional well-being. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I tried on numerous occasions to pay my XX/XX/year> payment and their system would not take it. Online system had different amount than what was billed to me on statement. System constantly gave error as system could not take payment due to end of modification. Contacted customer service department on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> to try and make payment and all offshore representatives gave me different amounts that was due, tried to take my payment over the phone with them and the system would not make accept payment. Contacted company many more times to try and resolve this payment and they were not able to apply the payment either XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. The company reported me late to the credit bureau and now my credit is reporting late and I've never been late with my mortgage payments and this has now caused me an issue with Refinancing the loan. I asked for someone to assist me within the states and they kept making excuses as the line was busy to resolve what I owe and ask why was I reported to the credit bureau as late when the system would not take the {$17.00} payment. Spoke with someone in the US on XX/XX/year> to try and resolve this issue and now they will not accept any payment and trying to take my home over {$17.00} that was due as of XX/XX/year>. I have statement copies with conflicting payment due of {$740.00} as of XX/XX/year> and delinquency notices in the amount of {$17.00} with a current payment due of {$0.00} as of XX/XX/year> and phone screenshots of their system showing {$100.00} due as of XX/XX/year>. Different amounts all over than what's on the statements, system and delinquency notice. No one has tried to resolve this issue but I'm trying to keep my home from going into foreclosure.
Product: Debt collection

Portfolio recovery continues to call everyday, although I already told them not to call and that I have received there information in writing. There telemarketers are argumentative and rude. I feel like Im being harassed. They call back from different numbers and dont stop.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XX/XX/XXXX {$1500.00} sent letter asking for proof and to verify my signature. 
XXXX XXXX XX/XX/XXXX {$2000.00} " " XXXX XXXX XX/XX/XXXX {$12000.00} sent letter asking for proof and to verify my signature XXXX XXXX XXXXXX/XX/XXXX {$20000.00} sent letter asking for proof and to verify my signature XXXX XXXX XXXXXX/XX/XXXX {$20000.00} sent letter asking for proof and to verify my signature
Product: Debt collection

The Company XXXX XXXX XXXX posted onto my consumer reports stating that I owe them an alleged debt. I have no agreement with XXXX XXXX XXXX they have purchased a debt without me being involved in the transaction. This is a duplicate account pursuant to 15 USC 3002 I am a natural person You are a Third Party Debt Collector, who appears to be fraudulently claiming authority of this XXXX XXXX to administrate for the me XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on I the consumer, together with a certified copies of signatures contract between you and I, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing I XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon I XXXX XXXX. Courts require your contract for jurisdiction. 

I the Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
Product: Debt collection

Inadequate Documentation : they only provide billing statements or invoices without specific proof, I am argue that this is insufficient evidence of the debt. Billing statements alone may not prove that the debt is mines or that they have the legal right to collect on it.
Product: Mortgage

I have been calling this LoanCare company since XXXX XXXX trying to find out when my property tax check would be cut from my escrow and whom they would be sending the check to. There is plenty of money to cover my property taxes, yet no one after XXXX calls can give me an answer where the money is and why it has n't been paid. I have spent numerous hours on hold to get absolutely no where.
Product: Checking or savings account

XX/XX/XXXX. I made a {$4.00} transaction at a city gas station and the took out an {$80.00} authorization that I did not  approve. I immediately called the card company ( XXXX XXXX ) whom told me to reach out to merchant or give up to 3 days to be put back on my account. I waited over a week and the money still was n't added back. I spoke to the merchant who referred me back to my card issuer ( XXXX XXXX ) multiple times. Its now been over two weeks and the money still has n't been returned. I once again spoke to the card issuer ( XXXX XXXX ) who now says the money was added back the same day when it clearly was n't. I 'm now filling a complaint against my card issuer ( XXXX XXXX ) for not properly assisting me with this issue.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history 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 bil ling 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 fam
ily!

I demand the late payment to be updated.

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.

TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Mortgage

My mortgage company has misrepresented themselves by guaranteeing me a 7 year mortgage at 3 % interest rate. They had all of my documents within a reasonable time period ( 2 weeks ) and because the rates went up instead of down, as they were hoping for, they are not honoring our agreement, as per our emails. I found that they lied to me and did not lock me in with the 3 % saying that the forms needed to be completed first. They are completely unethical and dishonest. They were the ones that called me regarding the reduced interest rate and I quickly acted upon it. I took my time, effort and cost to gather all of the information that they needed and I am told " I 'm sorry for the misunderstanding ''. There is no misunderstanding, they are just scamming me and I do n't appreciate it. I want them to honor their commitment that they made to me and complete my refinancing as per our agreed upon arrangement. I find it hard to believe that after 9 years they treat their customers like this and expect to get away with it. I am sure that I am not the only XXXX they have done this to. I would greatly appreciate you looking into, what I believe, is their unethical behavior. I have all correspondence that was emailed between us. I want them to honor their commitment that they made to me and complete my refinancing, as per our agreed upon arrangement, 7 year fixed term at 3 % interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim due to the COVID-19. I've been given the opportunity from XXXX Bank to delay payments due to COVID-19. I'm disputing the Credit Reporting Agency not reporting the correct information on my credit. There are accounts from XXXX that is reporting 30-60day late. I've provided you with proof of agreement and the reporting is still inaccurate. This is a violation of Section 4021 Credit Protection DUring Covid-2019 Fair Credit Reporting Act that was amended and impose due to COVID -2019. According to the amends Act, The : Credit Reporting. Section 4021 ( Credit Protection During COVID-2019 ) amends the Fair Credit Reporting Act to impose new COVID-19 related reporting requirements on furnishers of information to consumer reporting agencies. Under Section 4021, if a furnisher ( for example, a financial institution that lends money to consumers ) makes an accommodation with respect to one or more payments on a credit obligation or consumer account, the furnisher should continue to report the account as current if the consumer fulfills the terms of the accommodation. However, for accounts that were already delinquent before the accommodation was made, then the furnisher is permitted to continue reporting the account as delinquent unless the consumer brings the account current. This new reporting requirement does not apply to consumer accounts that have been charged off. These furnisher responsibilities will apply to reporting on accommodations made to consumer accounts between XX/XX/2020 until 120 days after the end of the COVID-19 national emergency.
Product: Credit card or prepaid card

This complaint is in regard to XXXX credit card accounts but I believe began with the inappropriate actions of my Citi credit card account. 

I have worked very diligently to build and maintain my credit in an effort to purchase my first home for my wife and myself. 

I was successful in obtaining a mortgage and did indeed purchase my new home. 

I applied and was approved for a Citi credit card which I used for making purchases to furnish my new home. 

I never went above my spending limit nor was I ever late with making timely payments on this or any of my credit accounts. 

I also have XXXX XXXX XXXX credit card accounts which I also used for this purpose. 

My income and budget were always kept in mind when making any purchase, and I never extended myself to put my budget or capacity to repay in jeopardy at any time. 

I received a letter from Citi that stated that they had reviewed my account as well as other revolving accounts and had decided that I had too many balances at or near the credit limit. 

They were, therefore, closing my account from any further use but I was to continue payment of the balance remaining. 

Shortly afterward, I received similar notice of account closure from the XXXX XXXX XXXX credit cards. 

This was devastating to my credit risk scores on all XXXX bureaus because closing the accounts displayed a high usage of credit card usage with no available percentage of credit. 

The age of my oldest credit account also affected my scores as well as my ability to obtain new credit which has left me unable to refinance my mortgage rate when/if the rates come down. 

Credit scores are supposed to evaluate a person 's risk of repayment based on their historical demonstration of an ability to repay in a timely manner. 

The actions of Citi, as well as XXXX XXXX, did not take into consideration my income or my history of repayment when making this arbitrary decision. 

I will note that I was never contacted by either of these institutions to make a large payment toward the balances to prevent this untimely closure. 

I also believe it is quite unfair to give a person a line of credit while at the same time not anticipating that party to utilize it. 

Please assist me in righting this wrong caused by these institutions. 

With Kind Regards, XXXX XXXX
Product: Credit card or prepaid card

I applied for a XXXX XXXX American Express Business Card on XX/XX/2018. Based on the promotional offer, I would receive XXXX XXXX XXXX  bonus points after {$3000.00} or more in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership, and a {$100.00} statement credit after the first eligible purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. 

The card was approved, and membership fee was charged shortly after. And I followed the spending requirement in the next 3 months but not bonus points and credit was issued. No communications at all were received from Amex to inform me that I was not eligible for the offer during that period. So I contacted Amex through online chat, and got the response that the sign up bonus on the card was declined on XX/XX/2018, the same day when my card was approved. I questioned if it was legitimate to decline the bonus without even notifying the customer, and instead wait until the customer to contact them to release such information. Then I was told that on the Amex website where one can apply for the credit cards there will be a message towards the end of the application process that tells you if you are eligible for the welcome offer prior to the final application processing. However, in my case no such message was provided during my application process. Hence, I assumed that I was eligible for the promotional offer. More importantly, Amex should be obligated to inform the applicant immediately even if they have the so called " reserved rights '' to decline offer any time for any reason ( based on what the online agent said ). Otherwise, it is considered a deceptive marketing strategy to encourage the customers to pay the membership fees and meet the spending requirements without extending the promised benefits. In my case, I would not have applied the American Express Card if I was informed that I was not eligible for the promotional offer, or my bonus offer was declined on the same day I was applying for the card.

I have my chat history with Amex online representatives on this matter and would be happy to provide them if needed.
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 : BLINCLOANS Account Number : 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: Mortgage

SELECT PORTFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Ref :  Property XXXX XXXX XXXX XXXX XXXX FL XXXX SPS # XXXX XXXX  XXXX XXXX # XXXX Foreclosure case # XXXX XXXX XXXX XXXX  MIN # XXXX PETITION FOR RELEASE/DISMISSAL OF FORECLOSURE As the pandemic COVID-19 is hitting very hard across America destroying the economic and devastating homeowners, Government President Trump directed the Department of Housing Urban Development ( HUD ) and local government to take steps, orders to stop eviction and foreclosure proceeding to bring relief to those stressed family impacted by the pandemic of COVID-19. This is a precious time to bring this matter of Foreclosure case # XXXX, that is still pending in state court to the end with amicable solution. 
Since XXXX, our property has being victim of three ( 3 ) WRONGFUL FORECLOSURE. The undersigned are asking you to open a profound review to the above account and order your legal team to stop/dismiss legal proceeding Foreclosure case # XXXX. 

On XX/XX/XXXX SELECT PORTFOLIO SERVICING INC open a third ( 3rd )  WrongfulForeclosure case XXXX XXXX vs XXXX XXXX  on behalf of XXXX XXXX  AS TRUSTEE for the ACE XXXX. 

There are fatal errors in your claim regarding this account that needs to be seriously addressed to avoid causing more harm to our family, with a nonsense litigation. This litigation has brought a dark cloud to the image of SPS and its reputation. 

This account previously serviced by XXXX  XXXX XXXX XXXX XXXX XXXX XXXX was assigned and transferred incorrectly creating serious misunderstanding and legal battle. Those misunderstanding that need to be addressed and put this account in the right path of release.The XXXX XXXX request SPS to dismiss the Wrongful Foreclosure case # XXXX and releaseproperty XXXX XXXX XXXX XXXX XXXX FL XXXX from those claims. 

Your cooperation to solve this matter will be appreciated. Our family need to be relieved from this nonsense litigation and difficult time of this pandemic of Covid 19 and its effects. 

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

This is XXXX XXXX XXXX, and I am submitting this CFPB complaint to inform the Credit Reporting Agencies that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 

1. XXXX XXXXXX/XX/2022 2. XXXX XXXX XXXX XXXXXX/XX/2022 3. XXXX XXXX XXXX XX/XX/2022 4. XXXX XX/XX/2022
Product: Mortgage

I would like to file a formal complaint with Carrington Mortgage Services, as well as XXXX.I have escrow issues with regards to : Forced Hazard Insurance placed on my account/home.

1st complaint : My payment increased substantially from XXXX to XXXX that 's a $ 230 monthly increase ( {$2700.00} annually ). 

2nd complaint : The payment hike is only 1 issue, when I called the insurance company they have no idea of who I am, and the policy number I give them is not with them. 

Carrington tells me I was insured by them ( XXXX ) XXXX and will be covered by them XXXX.. 

Furthermore, after hurricane IRMA I called XXXX to file an insurance claim, an adjuster came by the house - and of course claim denied. But if the adjuster came  out would n't that mean the policy is valid??
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with my credit report, and I submit a complaint with the credit bureaus such as XXXX, Equifax and XXXX, but they did nothing. The inaccuracies are still in my credit report and my credit score is getting lower.