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

On XX/XX/XXXX, I drafted and mailed letters to XXXX, Experian and XXXX to update my personal information. I provided my correct address, full legal name, my only SSN associated with my name, my only correct date of birth, my only employer. Furthermore I requested the removal of all phone numbers. I also requested the removal of all other address off my report. The post office will not be able to deliver to inaccurate address per Fair Credit Reporting Act since they are not accurate. As of XX/XX/XXXX, the corrections have not been made.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> after failed attempts to rectify the issue with XXXX XXXX ( XXXX ) card, I filed a complaint through CFPB. Through the resolution process, XXXX agreed to close the account, remove any charges that they had attempted to collect, and correct credit bureau reporting showing that i was delinquent/90 days past due. 

They had fixed one of three bureaus only. The other two ( XXXX & XXXX ) were still showing delinquent as of last week. I attempted to file a new complaint, but after checking here it did not process. As of today, XXXX has now gone back to showing 90 days late on all three bureaus. My ask is that they correct the reporting to show paid as agreed, closed by consumer, and NO LATE reporting ( as they had previously agreed to do ).
Product: Debt collection

The investigation was requested to be repeat it due to the fact Clark Associates failure to provide copy of physical proof of the debt. The investigation does have merit and is not frivolous claim that was used as a scare tactic. For example RS Clark Associates responded to the dispute. Secondly the account was placed on my credit report. If there was no merit to this account RS Clark Associate would have never pursued the account.

However RS Clark Associates has presented frivolous claims on my credit report without valid proof when a dispute was requested. If RS Clark Associates is acting on their own behalf or another companys copies of physical proof should be ready and available upon request.
Product: Mortgage

In XX/XX/2012, my father ( now age XXXX ) applied for a reverse mortgage with XXXX ( XXXX ). The contact at XXXX, only known by his first name of XXXX, repeatedly told us ( I am his daughter, age XXXX ) that the house would remain in the family ( heirs ) until the last person died, which would be my sister who is now XXXX. My father recently contacted Reverse Mortgage Solutions ( XXXX ) who told him that the property CAN NOT be passed down to heirs - this information was a surprise to him and upset him greatly. After looking through the original documents, we found out that XXXX sold the mortgage to XXXX immediately after my father signed the documents ( on XX/XX/2012 ), something that was NOT pointed out to him. 

We would like XXXX to abide by the original agreement made by XXXX that the mortgage be passed down to first me and then my sister. ( I was XXXX when the contact was made in XX/XX/2012. ) Lenders case number : XXXX FHA case number : XXXX Respectfully, XXXX ( XXXX on documents ) XXXX XXXX, WA XXXX XXXX
Product: Debt collection

Have a XXXX card that Wells Fargo funds. I have claimed chapter XXXX XXXX now it is final. they were notified from the court that the account was discharged. and they call everyday. XXXX isn't that harrassment?
Product: Credit card

Lowes credit servicer, Syncronny Bank notified me probably as well in a change in terms back in a XX/XX/year> letter, as well as other account holders that we were to set up an online account because they were not going to send any paper bills to your house which started the XXXX of XXXX. And, if you decided to keep the paper bills coming to your house/business you now had to pay {$1.00} per month to keep the paper bills being mailed to your address on the account. Seems to me that this company is trying everything to make it harder to receive paper bills.
Product: Credit card or prepaid card

I was sent an email on XX/XX/2022 that my credit limit would be adjusted from XXXX to XXXX So I called this morning. 

My credit limit was XXXX, but they lowered it to XXXX. I had a balance of XXXX on the card. Their reason was because I have not made a charge in the last XXXX months. 
I explained that it has been several times that I have not made a purchase within a 2 month time span and by lowering my credit limit it will affect my credit score. 
They said it was nothing they could do and refused to put my limit back.
Product: Credit card or prepaid card

The problem is with Comenity Bank ( now part of Bread XXXX XXXX XXXX Comenity is the bank that issued my Sony credit card ( a XXXX  card ). Comenitys site is down and their phone lines are off ( the recording said the company lines were closed due to unforeseen circumstances. ) This has been the case since at least XX/XX/XXXX when I first went to pay my bill online. Its now XX/XX/XXXX and my bill is due today and they are providing no way to pay it. I have an XXXX credit rating and dont want to lose that. Comenity is now saying this was a planned shutdown but I never received advanced notice and its been going on for days. Concerned Ill get a late fee / interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting inaccurate information to XXXX, Equifax and XXXX. All of my attempts to correct the reporting with XXXX and all 3 credit reporting agencies has failed. Ally has not responded at all and the 3 agencies just send me an general response saying the information has been verified without giving me the proper proof. 

Letter written to XXXX XXXX on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. They have yet to respond. 
XXXX XXXX sent to XXXX XXXX on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. 

Dispute letters sent to Equifax in regards to the above XXXX  account reported on the following XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX. My name, dates, amount owed and last payment dates are wrong and constantly change on their report. Equifax continuously reports that the account is verified without any proof. 

Dispute with XXXX and XXXX sent in regards to the above XXXX  account on XX/XX/XXXX, XXXX and XX/XX/XXXX notifying them that My name, dates, amount owed and last payment dates are wrong and constantly change on their report. Equifax continuously reports that the account is verified without any proof.
Product: Student loan

Dear Sir or Madam, While was looking at my bank account I realized I my XXXX student payment was taken twice from my bank account on XX/XX/XXXX I contact XXXX, INC who is responsible for the taking money twice from my account and the response from XXXX was only XXXX payment was recorded in my account on XX/XX/XXXX, and I was asked for proof of payment ( Please see the response from XXXX bellow ) I answered to XXXX request immediately and I attached my bank account, ( please find attached my bank account, page XXXX and XXXX shows my the subtraction of funds done twice on XX/XX/XXXX 

I received another answer by ACS telling me I will get a response in XXXX days, that was XXXX days ago. I email them twice already without a response. 
This company practices need to be investigated, I have the original emails when I consolitaded my federal students loans where interest rate was supposed to be XXXX and after XXXX years it will go to XXXX, this company changed the interest rate without notice or explenation to XXXX which I was told over the phone was my current rate. 

Thanks in advanced, XXXX emailsupport & lt ; XXXX ; XX/XX/XXXX to XXXX Thank you for your inquiry to XXXX 's XXXX Services Department XXXX 

After reviewing your account our record indicates that XXXX payment received on your account for XXXX. That payment was received on XX/XX/XXXX in the amount of {$770.00}. You may send us the front and back copy of the cashed check for the second payment in order for a research to be done, or you may send us a detailed copy of the bank statement to show that XXXX payments were made to XXXX in XX/XX/XXXX. 

Please note for future reference that we offer the XXXX ( ACH ) program which allows customers to authorize a banking institution to deduct loan payments automatically from a designated checking or savings account each month. A XXXX % interest rate deduction is offered for this program. You can visit our website at www.acs-education.com and apply online if you wish to enroll in this program. 

If you have any further questions, please feel free to contact us. 

Sincerely, XXXX Mail Support XXXX & XXXX & XXXX ; AttachmentsJan XXXX to XXXX, XXXX Thank you for your response, See attached my XXXX where you can see on XX/XX/XXXX the abstraction of {$1500.00}. Also, I have open an investigation with my bank to make sure I initiated the requested of ACS subtraction of the funds from my account for that month. 

Also, please we need the status of all my accounts with the interest rate charged and balances from the time you acquired the accounts. 

Thanks
Product: Debt collection

They called and told me all information without verifying they were speaking with the correct individual they gave information about the debt without giving the mini Miranda I have not received a validation letter when they called a week ago I advised I filed bankruptcy and not to call and now they called again using the same full disclosure without verifying me
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

show tooltip button XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX  XXXX XXXXDispute XXXX  COMMUNITY CUDispute XXXX COLLECTION XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX/XXXX/XXXXDispute XXXX XXXX XXXXDispute all ftc violations
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presumed that no proof of the allieged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a Sams Club credit card through Sychrony Bank and had never used it. It had a {$2500.00} credit limit. I did not notice that I had a payment due of {$31.00}. I assumed this might be for a yearly fee. So, I got online and made the payment. Only to realize after the payment, it said I still owed over {$100.00} still. I called the credit card company and was informed that the charge was for a yearly membership to Sams Club, and was sent to XXXX Indiana, Sams Club. I told them my account was not due at that time and I have been living in Florida for the past few years and my Sams Club was located in XXXX XXXX now. I told them I had paid my yearly membership in store and on my debit card. I was told to send a fax to them to prove this and this would be handled. I did do this, but with no resolution. They said they never received it, I told them I had called the XXXX location and there was never any money sent to them in my behalf. I told them to call the store and work it out. This was and has never been done by Sychrony Bank. I resent the fax a second time to them and still nothing. I have talked to managers and they say they will look into it, but never do. I still get text, emails and phone calls constantly. So here I am filing this complaint with you. I would have paid, if I had used the card and actually charged something, but it is the principle that I stand by. I refuse to be bullied by a large company for something I never charged. They have caused harm to my credit rating. Need some assistance. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hereby notifying you that neither on that those dates or dates similar, did I authorize any individual from the above listed companies to pull or review my Consumer Report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor.As of XXXX XXXX I still have fraudulent inquiries reporting to my credit file. I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransunionXXXX 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
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATON WAS OBTAINED BY IDENTITY THIEVES AND USED TO FILE FOR A XXXX. THIS OCCURRED DURING XXXX OF 2015. I HAVE NO KNOWLEDGE OF SUCH FILED XXXX AND ALSO DO NOT KNOW WHO COULD HAVE DONE THIS. THE CREDIT REPORTING AGENCY IS NOT ASSISTING ME IN THE REMOVAL OF THIS FRAUDULENT FILED XXXX AFTER CONTINUOUS DISPUTES AND IDENTITY THEFT REPORTS. PLEASE ASSIST ME IN REMOVING THIS FRAUDULENT INFORMATION FROM MY CREDIT FILE BY FORWARDING THIS COMPLAINT TO THE CREDIT REPORTING AGENCIES.
Product: Credit reporting or other personal consumer reports

I called XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  and spoke to customer service and advised them payments were being reported late negatively affecting my credit report. 

The payments that are being reported on my credit profile violate my consumer rights under FCRA Consumer Law 15 USC 1666B. As a long- time customer that has had exceptional payment history with XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval for other accounts. 

After speaking with XXXX customer service, they were not helpful and didn't listen to as a long-time customer. They advised me there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customers consumer rights. 

XXXX is tarnishing my name and credit profile by reporting these late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name
Product: Mortgage

I believe there was false documents record on my house by PHH Mortgage. The Vice President of PHH Mortgage name is not XXXX XXXX. XXXX XXXX is the one that signed the document. I am enclosing document XXXX XXXX has sighed that on not offical documents. I enclosing different document done by the doc company.
Product: Debt collection

I am currently making monthly payments on this account and the amount on the collection letter is incorrect. I will continue to make my final payment to the XXXX  next month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 U.S. C 1681 section 602 A states I have the right to privacy.

15 U.S. C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions. 

Dates of concern are XXXX and XXXX concern to hard inquiries from Idaho XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had to file a Consumer Proposal ( Orderly Payment of Debt ) under the bankruptcy act here in XXXX. When I did that, 5 credit cards opened fraudulently in my name. 2 from XXXX XXXX, 2 from Citibank, and 1 from XXXX totaling {$25000.00}. When I saw all that the Consumer Proposal was paying out ( from my credit report ), I realized that these were not mine- I never opened them, I never used them. I contacted the banks immediately, asked for the application - I was ignored. I reported them to : https : //www.identitytheft.gov/ and have been following their program with the letter templates they provide- I was ignored. My Consumer Proposal paid for them already. They don't care that I have paid {$25000.00} that I should not have had to. But they won't respond to me at all. I am the victim of a crime, and no one seems to care. I don't know what to do. Identify Theft listed this as the next step.
Product: Debt collection

This company keeps contacting me about a debt that is not mine. The company, Portfolio Recovery Associates LLC, purchased the debt from a bank, XXXX XXXX. Years ago ( XXXX or XXXX ) the bank contacted me about this debt, and at the time, I had to fill out all kinds of paperwork. The verdict at that time was that identity theft had occurred. The debt is not in my name. 

On XXXX XXXX, XXXX, I wrote a letter explaining all this to Portfolio Recovery Associates LLC. I specifically told them that they had a problem with XXXX XXXX, not with me, if they had purchased debt from XXXX XXXX that stemmed from identify theft. 

They keep sending letters and attempting to solicit my personal information, including my social security number and birthdate. 

I am attaching to this complaint ( if I can ) a pdf of the XXXX XXXX, XXXX letter I have already written these people. 

They need to stop contacting me about this debt that is not mine.
Product: Mortgage

I contacted PennyMac USA to refinance a VA mortgage under the pretense of having a lower payment due to a reduced interest rate and a longer term. My loan amount was reduced but the increased my escrow over {$200.00} more per month for no reason. Now my payment is more than was quoted. I was duped into signing the contract by the loan agent threatening that I would not get the mortgage if I did n't sign. I want my payment reduced. I have filed complaints with the XXXX, Pa. Dept of banking and this deparmtent and have had no success getting a result. Thank you
Product: Checking or savings account

In XX/XX/XXXX, Navy Federal took {$2000.00} from my checking account to pay off my credit card balance I had with them at the time with no permission. They took it upon themselves to pay themselves without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage payment up to date but the credit bureaus still showing a balance over {$160000.00} though my statement showing as of XX/XX/XXXX an outstanding Principal {$110000.00}. But my loan year to date Form 1098 showing outstanding mortgage {$100000.00}. Its been 3 years Ive been asking XXXX Mortgage to fix it and several disputes made with Transunion XXXX XXXX. Both XXXX XXXX Department & credit bureaus pointing to each other not updating my payments. Way back XXXX, my outstanding principal only showing {$100000.00} but starting XXXX, my principal goes up to {$110000.00}. Right now, my XXXX credit score showing XXXX. But Transunion score XXXX & XXXX still showing XXXX.
Product: Mortgage

Mr cooper Mortgage company did my annual escrow analysis and it is incorrect. They are trying to increase my payments {$120.00} per month. They added on an extra tax payment that was from the year before. The payment they added was for {$1000.00}. They ran the escrow analysis for 13 months. I called around 5 times to tell them the mistake and the Lady on the last phone conversation pretty much told me, They won't run a corrected analysis. This is every year they do this and then run a corrected one when I call and tell them. They did not pay my taxes 5 times last year, only 4. My insurance was paid too. I am at a loss what to do?? They generate the mortgage statement on a different day each month. They pay the property taxes on different days every 3 months. Sometimes they have paid them late. They have lost payments, paid 2 different insurance companies for my homeowners one year, a payment to the correct insurance company and a payment to the canceled insurance company. And then raised my escrow saying I didn't have enough in it. They have added on charges for drive by to make sure I still live here?? I am at such a loss and need help. I am current with my mortgage at this time but don't know if I can continue to
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have violated my rights to privacy as a consumer protected by federal law according to the Fair Credit Reporting Act under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602A says that I have the right to privacy.

15 USC 1681 Section 604A section 2 says that a reporting agency can't furnish an account without my written consent to do so.

15 USC 1681c. ( a ) ( 5 ) says that no 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 USC 1681s-2 ( A ) ( 1 ) says that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.