23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my home through XXXX. Before the first payment 's due date they sold the loan and sent me a letter that Specialized Loan Servicing is now servicing my loan. It was not clear who the new lender is until I received a letter from XXXX XXXX. I contacted Specialized Loan Servicing and made the first payment on XXXX for XXXX payment so I can set up the account for bi-weekly payments. The account got set up for bi-weekly payments and the first bi-weekly payment was applied on XXXX, meaning they took the money from my checking account. But Specialized Loan Servicing is holding my bi-weekly payments in a " separate account '' until they collect the second payment. I contacted Specialized Loan Servicing few times about this and the last time was XXXX to ask why. They said this is their practice! XXXX XXXX 's letter ( attached ) also indicates that they do NOT accept partial payments. This was however NEVER disclosed to me by XXXX who refinanced my home. XXXX XXXX XXXX   practice is preventing me from accelerated pay off. My previous lender didn't have this questionable practice. Here 's my first question : Is this practice lawful? This could result in a class action lawsuit. My second question is, why XXXX never disclosed to me that my bi-weekly payments will be held in a separate account until the 2nd payment gets collected which defeats the purpose of bi-weekly payments? I was very clear to XXXX that bi-weekly payment is a requirement for me. They said it's supported. But this form of bi-weekly payment is a joke! The lender is basically preventing the me to make accelerated payments while it's collecting interest every day. Wow!
Product: Vehicle loan or lease

I elected to extend a lease for a Honda vehicle. Honda Financial would not accept payment and cancelled the autopay feature on the website without notice. Then, Honda declared the next payment delinquent and filed a report with the credit bureaus. I had been a Honda customer for five years on two vehicles and never missed a payment. Honda failed to return any messages or respond to the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found several errors on my credit report. There is a chapterXXXX filing that is not mine, unauthorized inquiries a late payment that is wrong a charge off that is not mine a few accounts that do not belong to me. A letter of explanation is enclosed
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland credit management is calling me XXXX to 5 times a day every day including Sundays at all hours of the day, counting me over a debt of less than {$1000.00}. I blocked XXXX number, they contact me from another. I told them on a recorded line to season desist and they are failing to do so.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt collector repeatedly reopens my account and claims I have excessive missed payments. 
The claims far go beyond my possession of their tangible property that was sold at auction subsequent to my repossession to them. 
The debt collector also has not given me any proof that it was sold for a lessor amount than the debt originally owed and I have proof of such sale intent letter. I only had the tangible property 6 weeks after contract was made and the tangible property was repossessed. 
I think this company is using unfair practices.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX, XXXX already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance XXXX {$380.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX  XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXXXXXX Balance : {$65.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with OLIVER ADJUSTMENT. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX Experian 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 of 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 have been trying since XXXX 2017 to get my XXXX card to update on my 3 reports after a three was call XXXX finally updated. Upon several more attempts equifax and experian for some reason wo n't update it. XXXX XXXX has sent me a letter stating they have reported to all three several times and to contact them directly to figure out the problem. When I call the two they say they report what is sent to them. My husband and I have spent 100+ hours on the phone back and forth and nothing seems to be getting solved. Can you please help. I have the letter if I need to fax to you I will.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a membership with Experian and attempted to dispute an issue on my credit report. I wrongfully had a debt that was lied about put on my credit report by XXXX while XXXX overseas serving with the US XXXX ( XXXX to XX/XX/XXXX ). Upon my return I tried to resolve the issue and was told if I paid the debt to XXXX they would remove it from my credit report, so I did in XX/XX/XXXX ( the amount was roughly {$70.00} ). I have recently discovered that the mark is still on my credit report ( XX/XX/XXXX ). For the past month I have tried to solve the issue with Experian due to having a membership with them. After about two weeks of trying to get ahold of someone to talk to I was able to file a dispute which did not allow me to upload documentation. I was then informed today that my dispute was rejected partly due to lacking supporting documentation ( XX/XX/XXXX ). I tried to dispute the result but after an hour on hold I was told that I must file an entirely new dispute. I am still serving in the US XXXX XXXX and am currently located in XXXX. Attached is a copy of my XXXX orders from my XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2022 I made a payment online for my prosper card of XXXX it went through. I did not see it come out my account called the company they said account is restricted. The card is connected to my bank account to make the payment. This is the second time this have happened. The first time I was told it was a system error they said they was aware of this and they waived the late charge. This is happening everytime I make a payment online that it is restricted. This is happening alot with other customers also with this restriction when making a payment. The company is acting like I did something wrong like putting in a wrong number this is not true.
Product: Credit reporting, credit repair services, 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 Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX 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.

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 veals.

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX XXXX Fraud Application Account Number XXXX To Whom It May Concern : This letter comes in response to a fraudulent credit card account opened on XX/XX/XXXX using a fraudulent address of XXXX XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX. In response, I have enclosed an FTC Report, original police report that validate my information was compromised during the Equifax Data Breach. 

I request this account be investigated and removed immediately as it is a violation of my rights as a consumer under the FCRA. 

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

I have a credit card account on my report that is not mine. I have never ever applied nor received a credit card in my name. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient put me on a interest reduction program. Once I was put on the interest reduction program they would forgive my loans after 5 years. After a year I had to go through a whole financial statement again. That the 5 year forgiveness program was not true. Every time I talked to them they would send me over to someone that had no idea what was going on with my student loan. The notes that they had on their end was never correct and would never have the person I talked to last in my file. The last person I talked to was going to look into my account as to why the program I was on shows that the amount should of been less and I never have heard from anyone since. I 've asked to have forms sent to me to show what I have paid on my loans and I have not received anything yet. I am just paying for them and nothing is going down. The interest rate is crazy and it keeps getting higher. 

They call me about 5 times a day and one time I had a voicemail threaten me that I need to call them back or they would find me. That some something that a person that has gone to school for and trying to get a job should not have to go through. Graduating at the time i did and the economy crashed was very difficult. 
They are not easy people to talk to! When I called I was put on hold for about 45 minutes before someone was finally on the phone with me. They had to transfer me to 4 different department and tell them all my information again. 
I have been paying my loans for 4 years on this program and my credit is so bad. I have asked to see what I can do to fix my credit and no one was able to help me. I ca n't even go on with my life and buy a house because my credit is so bad. Going to college and further my education was suppose to help me in my future and I am failing.
Product: Credit card

For my monthly statement with the due date XXXX/XXXX/2016 ( XXXX XXXX through XXXX XXXX ), the new balance was {$3000.00}. However, Capital One then reported my balance being {$3100.00} without notice and added a {$59.00} membership fee also without notice, seemingly attempting to put my card greatly over the limit, which brought my credit score down from XXXX to XXXX within the FICO reporting months of XXXX 2016 to XXXX 2016. I have paid {$100.00} and the minimum was {$97.00}. These are unfair practices by Capital One. The should at least warn me when they will add a membership fee.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I notice there was no change in my credit score so i dispute it through XXXX XXXX. XXXX XXXX came back and said, I was late on my car payment 30 days. I disputed that to. On XX/XX/XXXX, I notice my XXXX XXXX drop over XXXX points. I checked XXXX XXXX and TransUnion report to XXXX XXXX that I closed my XXXX  XXXX account, which is not true. I paid that account off in full. I reached to XXXX XXXX on XX/XX/XXXX, for proof that i paid that account in full. XXXX XXXX sent me a letter stating so.
Product: Credit card

In a letter dated XXXX XXXX, 2016 attached in its response to CFPB Case No. : XXXX ( attached to this complaint ), Capital One states, " After reviewing your account, we confirmed that this is a valid debt. '' Since the court judgment in my favor and against Capital One adjudicated the alleged debt it is unclear what the basis is for Capital One 's statement on the validity of the debt. 
In my reply to that dispute, I requested that Capital One provide me any evidence they have of the allegedly " valid debt ''. Since it has been two weeks without any response from Capital One, I am filing this complaint to again request this evidence of a " valid debt ''. 
Again my mailing address is : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

There is a collector by the name of Progressive Management Systems. I have no idea who they are however they are on my credit report with a account I have never heard of. I have never been contacted by the organization. I do not even know who the company is. What they have done is illegal by Federal Law. I would like them removed and reprimanded for breaking the law.

I have disputed the report with the company. I have had no response and in retaliation the balance went up.This organization listed above need 's an audit. They are not in compliance with any standard for XXXX or ethical business. 

Again, no idea who this company is. It looks like a XXXX  company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an account that is {$210.00} that is not mine to XXXX  and XXXX. This account does not belong to me, I have never received any documents or information on this account. Please stop reporting this bad information. This bad information is harming my credit.
Product: Payday loan, title loan, or personal loan

I am receiving collection calls from a third party, usually they hang up when I answer. However when I call back I am on hold for a long period of time. When the rep answers they do not identify themselves instead the rep answers the phone saying can I help you? After they go through their authentication script I find out its in reference to a loan I took out in 2008, for more than double of the amount, which was discharged in my Chapter XXXX Bankruptcy. The rep then tells me that they will make a note that I am refusing to pay and to call back with my Bankruptcy reference number. In the past I have asked for written proof of the debt and I have even asked then to cease and desist from contacting me. To date I am still receiving hang up calls.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have discovered accounts that were opened without my consent. After a thorough investigation, I have discovered that these accounts are fraudulent. The accounts are XXXX XXXX XXXXXXXX with account number XXXXXXXX XXXX with account number XXXX, XXXX XXXX  with account number XXXX, and fraudulent hard inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

on XX/XX/XXXX, I received got a letter saying they close the account because is not consistent with our expectations for account usage and violates the capital one customer agreement, after being a customer for little over 7 years, I called since then till now and no response about the reason, they transfer me and told me several times they cant figure out why but they are not able to reopen account, spoke with fraud department supervisor about the account and say the reason looks like I added a new payment account to pay my capitAL one credit card and supposedly they were not sure if it was me, wish I is my new account from XXXX XXXX nothing wrong with that payment was processed and nobody from capital one say anything on that moment, they trow my credit score to ground doing this I got not reasonable reason and they told me we will call you for sure in les than 5 business day and its being 10 days since then and no calls at all,
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I got job in XXXX XXXX with XXXX 4 day 's later Checkr ran another background check & I was fired. I would contact Checkr to dispute it however they flat out refused to change the inaccurate. Per the FCRA there is a XXXX limit or whatever the salary cap is on how long you can report a felony. In XXXX XXXX it's XXXX in Texas is XXXX both have a XXXX limit on felonys. 

Multiple jobs this has been done I am still in dispute with Checkr about XXXX the investigation is still pending a year later from XX/XX/XXXX. I offered paperwork of expungements also the fact that it was a XXXX limit on any felony in Texas Checkr went silent. 
They ignored a response. I also pointed out anything dismissed, dropped, not charged again they refused by staying silent. 

When you look at the XXXX reports I sent by them you will see the same repeat items and its clear each situation on the on the report tells XXXX the outcome. They will put by a dismissed, dropped, not charged, or says charged but no sentencing occurred at all or trial. THE WORD CONSIDER why are you telling the employer to consider things that I am innocent of, or with in my legal rights to have removed. 

Its encouraging bias as what just happened XXXX XXXX in XX/XX/XXXX they refused an explanation or paperwork, I am now facing loosing my apartment I have no money to pay XX/XX/XXXX rent not the XXXX time with Checkr, When you do a dispute with Checkr they give you one line to choose one thing you wan na dispute. I have multiple things that need to be updated and cleared one line one charge is pure sabotage. I believe that Cherkr keeps the info they have already used on prior backgrounds cause I have had multiple expungements yet they keep reporting old inaccurate cases. 

Also it is illegal in Texas to post a charge not processed yet in the courts my lawyer told me an arrest should in Texas show up til youre formally found guilty. Checkr is currently being sued by XXXX, XXXX, XXXX in PA by XXXX of people I have repeatedly filed compliants with the consumer financial bureau with no response no solution. 

Checkrs needs to be shut down I still believe they keep old data and recycle it they are the ONLY BACKGROUND AGENCY I NEVER PASS A BACKGROUND CHECK YEAR AFTER YEAR THEY GET AWAY WITH. 

Again in XX/XX/XXXX I passed my background check in XXXX XXXX with XXXX XXXX Checkr so to me something isnt right. The Employers are already poisoned against you and shutdown CONSIDER IS THE TRIGGER WORD THEY USE TO MAKE SURE YOU ARE NOT HEARD or hired. 
To place a word like CONSIDER in red by things that are no sentencing dismissed, expunged or dropped. ITS INDIRECT MANIPULATION and Checkr will tell you when you call their XXXX number to dispute there is a recording we at Checkr only run the background we dont help the employer make that choice, please reach out to the employer. THEY DONT ANSWER THE PHONE THEY MAKE SURE THEY DONT Well CONSIDER IS HOW THEY HELP THEM MAKE THE CHOICE AND USUALLY ITS A NO OR YOU ARE IGNORED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {XXXX