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

I have contacted Transunion, XXXX, and XXXX several times via phone and certified mail in regards to five accounts that were placed in my name that I am not familiar with or did not authorize. I get the same results when attempting to come to a resolution with them. It is negatively reporting on my account and keeping me from being able to obtain credit and ruins my credit profile due to inaccuracies. The companies need to send proof of validation or it should be removed immediately. I have reached out to the FTC regarding the issue and I have reached back out to the credit bureaus and still no luck. The last rep I talked to was XXXX and he stated he had sent the information in for special handling and I still have not had any luck. The following accounts that are reporting are XXXX XXXX XXXX for {$370.00} the other for {$930.00}, XXXX XXXX XXXX for {$0.00} and XXXX XXXX for with no balance. There are also two other accounts for {$630.00} and {$840.00}. All of these accounts listed are listed as derogatory and should be removed.
Product: Mortgage

Freedom Mortgage has recently purchased my mortgage from XXXX and took over servicing this my mortgage account in XXXX. 

I wasn't given any notice that this would be happening, just a letter that it had. In that letter, I noticed that after the transfer ; the escrow amount per month had gone up {$51.00} or more than 7 %. 

My insurance and property taxes have gone down, so I was surprised that my escrow was increasing. I called and was told this was due to a " Shortage '' in the escrow analysis done by XXXX in XXXX. 

I believe that it is apparent that in this analysis, the " shortage '' is caused by requiring me ( the borrower ) to deposit funds, needed for disbursement and maintenance of a cushion, in the escrow account some period before the disbursement date. 

This has been accomplished in the escrow analysis by pushing together the two property tax disbursements so they are 5 months apart, and both are disbursed long before Illinois, XXXX county property taxes are due. 

In the analysis from last year, the final property tax disbursement wasn't planned until XXXX but didn't happen until XXXX. 

If these disbursments came at the proper time, or were properly spaced, there would be no shortage. 

I have made Freedom Mortgage aware of this, and asked for a way to contest this, and have basically been told the following : Freedom Mortgage says they have not done any analysis the analysis is from XXXX. They can not change, alter or grant a stay until they conduct their own analysis, which they say they plan to do in the first 60 days. 

With rising interest rates and inflation hitting everyone, blaming the previous company 's terrible analysis in order to justify what looks a lot like the use of pre-accrual in order to justify an escrow shortage is unacceptable ; and although I may get paid the " shortage '' difference in a year, there is no interest.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove these items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

American Home Mortgage was the original company on file in the courts. There was a Bankruptcy Chapter XXXX filed by an Bankruptcy Lawyer on XX/XX/XXXX which included the home to be surrendered. The Chapter XXXX was discharged. Then to followup the Bankruptcy Lawyer filed Chapter XXXX on XX/XX/XXXX which again included the home to be surrendered. The Chapter XXXX was completed XX/XX/XXXX. During the 7 years of bankruptcy Ocwen Loan Servicing has been sending me mortgage statements. I kept asking them why they are not foreclosing on the home because no one was living there and we had surrendered the home in all of the court documents! 
Now after multiple phone calls from them they are telling me they have reinstated the loan XX/XX/XXXX ( to which the Bankruptcy Lawyer said they can't do that because the courts relieved me of the note/mortgage ) now my credit score is being attacked by over 180 day late reporting and on XX/XX/XXXX they reported a Deed in Lieu/Bank liquidation on the credit reporting and sent me XX/XX/XXXX a Notice of Default and election to sell under Deed of Trust. All of this should have been done  after 3 years into the bankruptcy now it is over 7 years and they are now going thru the process and reporting it all on my credit! 
What can I do about the reporting and getting it off my credit report do to there negligents.
Product: Checking or savings account

According to my accounting software and a review of all my statements reveal that I have had a total of XXXX in debits since the account was opened and a total of XXXX in credits. This would leave a balance of XXXX in my account as of XX/XX/2020. 

However, my current balance shows a balance of XXXX, a discrepancy of - XXXX. 

I have requested an account audit, however, Citi is unable to provide this. 

Please assist.
Product: Payday loan, title loan, or personal loan

In XX/XX/2021 a purchase was made from XXXX in the amount of {$430.00} and financed using Affirm. The purchase was received and returned to XXXX. XX/XX/2021 XXXX issued a refund for {$110.00} and XX/XX/2021 for the amount of {$79.00}. After noticing a overdue balance with my affirm account For the amount of {$140.00}. I contacted XXXX. After numerous calls wayfair was able to locate and correct the issues. Then I checked my affirm account again and realized that I still have an overdue balance. I have contacted Affirm numerous times and spoke to supervisors I even sent Affirm a statement provided to me by XXXX and my account still shows an overdue Balance. On XX/XX/2021, XXXX called me to check on this issue and after I explained to her the issue still exists she called affirm with me on the line and a supervisor told her there is still an overdue balance. We couldn't believe it even with the statement from XXXX Affirm is still saying I owe money. Not to mention the emails I get from affirm stating my account is overdue is stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experience fraud department representative by the name of XXXX at XXXX ( XXXX ) XXXX on XX/XX/2022 only to have him tell me that they conducted the investigation completely by the law, I did not know what I was talking about, and that he was going to end the call because I was refusing to except the lies that he told me. I explained to him that Section 609 of the FCA, gives me the right to see what the furnished sent to your reporting agency ( Experian ) as evidence that the information is correct. But the information needs to be verifiable, so if it's not, it should be removed from my credit report. However, that information was never confirmed or provided to me.

As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. I am entitled to see the source of the information, which is the original contract that contains my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These are the accouts that I want to be corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$270.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year>
Product: Vehicle loan or lease

On XX/XX/XXXX, I submitted a claim against Ally Bank because all payments were not being applied XXXX. Afterwards, I spoke with XXXX, and we all came to an agreeable solution. We agreed that I would continue making payments of {$25.00} per week towards the {$1500.00}, but making them to XXXX XXXX instead of the creditor that had applied them to the wrong account. I called XXXX XXXX about two weeks ago to check our balances against one another. On my end, I have the balance paid down to {$1000.00}. The man I spoke with at Ally said he has no record of our arrangement, and kept trying to get me to set up new arrangements for a higher balance. I tried continuously to tell him that was n't correct. I then sent in my next payment of {$25.00}, making me new balance of {$1000.00}. I also sent a letter explaining our situation, and asking why they make arrangements but do not notate them in their system. I received a letter from Ally dated XX/XX/XXXX. It said I have 15 days to agree to Plan 1 of {$1400.00} or Plan 2 5 payments of {$340.00} to equal {$1700.00}, neither of which was what we had previously agreed upon. I called in today, XX/XX/XXXX. The man I spoke with says they have no record of the agreement, that I 've only been paying towards the balance of {$1900.00}, that my {$25.00} per week is doing nothing towards my balance, that my payments are not going to XXXX, but to XXXX XXXX. I told him all my checks are made out to XXXX XXXX, he says its all the same. He said that my settlement did not sound like a settlement, but a payment arrangement, that they would never have agreed to it because they like things to be handled lump sum 30 days or less, and that there is nothing in their notes of our previous agreement.
Product: Money transfer, virtual currency, or money service

PayPal limited my account 's ability to send and withdraw funds for no clear reason on XXXX, XX/XX/year>. They asked me to submit some valid documents including my National ID, proof of residence, and bank statement ( I was unable to provide the bank statement, but I spoke with XXXX of their online agents who assured me there was nothing to worry about. She said she would submit a ticket explaining that I couldn't provide it because I haven't opened a bank account for myself yet ; I simply send money directly to my brother 's bank account ). The amount of money in my PayPal account is {$120.00}, which I earned as an Internet ads rater for XXXX. I provided them with proof that this amount came from my earnings as a freelance worker. After submitting the required documents, my account was permanently limited, preventing me from accessing my funds. Following the restriction, I noticed I was unable to contact any agents to inquire about what had happened. I emailed them to request clarifications and a detailed review of my account, but I have not received any response. I understand there are rules in place, but I did not engage in any unlawful behavior to earn this money. I can provide evidence that the money was legitimately earned from the company and was not obtained illegally. I want to complain because holding my funds for XXXX  days is absolutely unfair. I am still in college and work while studying, which is why I rely on these funds to fulfill urgent financial obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information with Equifax credit bureau numerous times. I have asked them on several listed accounts that provided me proof of verification on accounts that are reporting negative and inaccurate on my report. They have refused to provide me proof of how they are verifying the accounts for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Medical Bills. I have no knowledge of these accounts and them negative accounts have prevented me from obtaining anytime of credit or car loan because of these inaccurate accounts they keep validating and will not remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to increase my credit through my credit card company ( XXXX ) since XX/XX/2019 but I keep getting the following error : " We were unable to obtain your most recent monthly payment data from the credit reporting agency ''. I also noticed my score on my credit monitoring service ( XXXX ) is way off compared to XX/XX/XXXX ( 50 points lower, even though they use the same system ) and has not been updating at all for months now -- despite drastic changes like bringing credit utilization down from almost 90 % to 0 % -- literally, no change in my score but XXXX and XXXX scores drastically changed. The account info is updating but not the score, and I believe this is because multiple third parties that are pulling this info are not able to access my credit report from Equifax due to " split file '' issue. I have tried calling them for months, and they insist the scores can diverge, but considering my credit card company pulls data from Equifax & my score has not budged since that time ( despite drastic changes in utilization ), the problem is 100 % their system reporting / inability for third parties to access my Equifax score. Additionally, one of my credit accounts shows up twice on my Equifax report, but not on XXXX or XXXX, even though it is one account. I've been contacting them multiple times since XX/XX/2019, and I've had customer service reps insist nothing is wrong, I've had customerservice reps hang up on me multiple times for simply asking them to look into this, and I'm tired of having to go through this ... I also saw online someone faced the same issue and Equifax gave them a hard time and denied it was split file.https : //ficoforums.myfico.com/t5/General-Credit-Topics/Issues-with-Equifax-scores-report/td-p/5719571I just want this resolved so that my score can reflect my current credit situation for applying for an apt this month, and also so that I can apply for a credit increase. I believethis is from a " split file '' and Equifax needs to clean up my soft inquiry data ...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dispute of Time-Barred Debt - Expired Statute of Limitations Dear MOHELA/DEPT OF ED I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Account Number : XXXX * Original Creditor : DEPT OF EDUCATION * Amount : {$2000.00} & {$1200.00} * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, XXXX have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt. 
I kindly request the following actions : XXXX. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations. 
XXXX. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW 1. MOHELA/DEPT OF ED- {$1000.00} - 2. MOHELA/DEPT OF ED - {$1700.00} Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card

On XX/XX/year>, at XXXX ( XXXX XXXX XXXX ) I made an extra payment to my banking institute, USAA towards my credit card. I have a recurring monthly payment of XXXX dollars and wished to make an extra, additional payment of XXXX dollars. I expected my total for this month to be XXXX dollars unless I made another additional payment. However, when I reviewed the upcoming automatic payment it showed that my next payment would be XXXX dollars and not the XXXX I had planned for. This means that my expected monthly payment for that month was much less than what I had desired and directed the bank to do. 

When I contacted my bank and asked about this, they simply said that this is how there monthly payments are set up. They informed me that if I wanted to make additional payments over the set automatic payment I would have to make the manual payment greater than the automatic payment ( which would end up canceling my automatic payment for that month ). 

I find this practice rather predatory towards individuals with debt or recurring payments since their overall payments will always be less than they had expected when they make additional payments. The bank does this to trick their customers into retaining debt for longer amounts of time.