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

My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.
Product: Debt collection

I had past experience with calls re the debt of someone who lived at my address some 20 years ago and another with the same name except the middle initial and it took and FTC complaint to stop them. I received calls in XXXX 2015 from Enhanced Recovery re Debt Collection. 
One call referred to a letter which I assume was a validation letter sent to whomever owes whatever they are trying to collect. I wrote them a detailed letter on XXXX XXXX, 2015 ( cert. return rcpt ) telling them : 1. contact the person you wrote to, its not me. 
2. There is no reason for a debt collector to be contacting me. 
3. cease and desist. 
4. Further I am XXXX and do n't do business over the phone. 
5. I have a health condition that XXXX ( XXXX and XXXX XXXX ). 
6. their contacts did not appear to comply with the FPDCA 7. I looked forward to never hearing from them again. 
I thought it worked until Fri XXXX when I got the following msg on my answering machine : " this is a debt collection call from Enhanced Recovery please call XXXX ref XXXX. '' no identification as to the caller or what the debt is about ( not that I care ). 

All I want them to do is leave me alone. I sent a letter today reiterating the comments in the XXXX XXXX letter and telling them I would file a complaint. 

I will not call them back based on my past experience with another highly unethical collector and my XXXX. 
I know of no reason they should be calling me. I have not cosigned for anyone nor acted as executor of any estate. 

This company has not been abusive and until yesterday I thought the matter resolved. I will grant that my past horrible experience affects how I view this. 

I do believe that companies should be prohibited from contacting anyone just because they have a similar name or without at least stating we are contacting you in regard to a debt owed to XXXX by XXXX. 

I would like to think that this latest call is a result of a failure to communicate that no one should be calling. 
a debt owed to
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 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

There are addresses and personal information on my credit that is not mine! This is a very serious issue and I have reached to all three credit bureaus and have had no success I am very worried about this misinformation showing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX ( 2018 ), I called Transunion to alert them that the available credit on a XXXX XXXX card in my name had been raised from {$15000.00} to {$20000.00}. I did not consider this to be a dispute, but quizzically they did and in response, they removed the entire credit card account from my file, which significantly decreased my available credit with respect to my credit score, thus negatively impacting my credit. They then made me go through a bunch of unnecessary hoops and obstacles, that involved spending hours on the phone with them and XXXX. But I did everything that they asked by XXXX. However, Transunion is still refusing to include this account in my credit profile no matter what I do, and thus, it continues to negatively impact my credit score as it dramatically reduces my available credit in their score calculation. They have spuriously tried to blame XXXX for the " error '' but XXXX has correctly stated that it is reporting the account to all 3 credit bureaus, as the other two credit bureaus accurately list the account in my profile. Even more frustrating, Transunion is aware of the account and still acknowledges its existence, but is inexplicably refusing to incorporate it into my credit. This decision of theirs is arbitrary, nonsensical and harmful to my credit profile. I even reported them to CPPB a few months ago and they still haven't remedied the situation.
Product: Student loan

The student loan company wo n't remove the cosigner from this account. I have been trying to get her off my loan account for over 6 years.
Product: Mortgage

I applied online for a new mortgage. I was rejected online. I called USAA Which Said my median Credit score was below 620. 

I asked why use the median score rather than the average. The financial institution says it is ok. I argued it is mathematically and statistically wrong to use the median of three numbers. It just has no scientific basis. It is actually laughable that a financial institution would use a useless statistic to reject my application. No where in mathematics will you find that a median of three numbers has any significance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies have violated my consumer rights. An alleged debt being furnished on my credit report is a violation of 15 use 1692b ( 2 ). Why?

Because it being furnished would mean I owe it but a debt collector cant say I owe anything. Its also advertising to coerce payment which is illegal. There is not ONE law that says ANY credit transaction has to be reported.

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I demand that the credit reporting agencies delete the accounts I have listed on my letter immediately!
Product: Mortgage

I am struggling to take care of my family of XXXX I am only the one in the family economically active. working 40 housr a wek and still make around XXXX or less monthly I have a mortage loan of $ XXXX/month and an auto loan of $ XXXX/month. I have a XXXX XXXX who needs adult ' attention 24/7. also due to this pendemic my spouse looses her job. my financial agency suspended my loan pyment for a period of 6 ( 3+3 ) months which will be resumed in XX/XX/2020. but still I am financially not ready to come back in track. what could be my best possible choice to go ahead? 
Thank you in advance for your kind and constructive suggestion to comeout of his financial hardship. Hoping to hear back soon thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter on XX/XX/XXXX to the 3 Credit Bureaus ( Experian, XXXX, XXXX ) asking to Verify Inaccurate Information that is reporting on my Credit File under all 3 bureaus! 

On ( XX/XX/XXXX ) I received my Dispute Results back from Experian. 
This is my Report # XXXX for XX/XX/XXXX As I was looking through my Dispute Results, Experian verified that I had a Public Record that they have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX. They also, listed the contact information which is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX GA XXXX, or visit https : XXXX 

I personally contacted XXXX via Phone ( XXXX ) to request my Consumer File, no  which the Agent I spoke with could not find a file under my name and social security number! I also submitted on their website an Electronic Request Form here : https : XXXX  I filled out all my personal information as stated on their website! 

Today, XX/XX/XXXX : I received my XXXX Letter in the mail stating that they were unable to process my request at this time. XXXX had conducted a search of its databases based on the information provide to them, but was unable to locate a file sufficiently matching my data. 

Consumer Number : XXXX Case Number : XXXX I do NOT have a File with XXXX so how is Experian, XXXX, XXXX  verifying PUBLIC RECORD information from XXXX if my information does not exist with XXXX? The 3 bureaus Experian, XXXX and XXXX is REPORTING INACCURATE information on my Credit File/Report and I want it REMOVED IMMEDIATELY!!!!
Product: Checking or savings account

I've been a long standing client with JP Morgan Chase Bank. I have had a banking relationship with them for over 15 years and my account has never suffered from an overdraft, low balance or any other account problem. 

On XX/XX/2018, I received a call from someone from XXXX XXXX from Chase Fraud Investigations questioning a series of transactions on my account. I explained to the representative that I recently got married in XXXX and the transactions were withdrawals to pay for wedding related expenses. After a brief conversation, we hung up the phone. 

About 2 weeks later I went to use my debit card at a store when my card was declined and the transaction did not go through. I contacted Chase and was informed that the bank had made a decision to close out my checking account. The only explanation I received was that the relationship is an at will relationship and the bank can choose to close out my account at any time with no explanation. I was in disbelief and outraged by this extreme course of action. I attempted to speak to a supervisor and unfortunately it went nowhere. Anyone I attempted to speak with only provided me with the same justification : the relationship is an at will relationship and that Chase bank has the right to close my account with no cause or explanation at any time. 

We are talking about a 15 year relationship. Additionally I have multiple credit cards and a mortgage through the bank - Which have all been maintained in very good standing. No late payments, no delinquencies or any other blemishes with the relationship. 

At that point I decided to contact the JP Morgan Chase executive office to further attempt to escalate this issue. I asked them if they have any questions or need any additional details, I would be happy to provided it but I was asked no follow up questions. Again, after a week of " investigating, '' they came back with the same line as they previously provided. 

I am seeking escalation of this matter and a reopening of my account. I am happy to provide additional details and information. Just because I got married isnt justification to close my deposit relationship that has only been maintained to the highest level. I believe this particular matter has been dealt with in the right channel within Chase bank and I am reaching out to ensure this is re-reviewed.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer with the right to privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. XXXX, TRANSUNION, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX  XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a 1099-c from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payment and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. 
These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication 4681 The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for several years. Now it is XXXX and I'm not able to get my family what they need
Product: Mortgage

This loan was sold to XXXX XXXX XXXX before I could address the high interest rate and unfair closing costs. XXXX XXXX directed me to Champions Funding. 

Dear Champions Funding Team, I hope this message finds you well. I am writing to express my concerns regarding the terms of my recent mortgage agreement with your company. The loan was sold to XXXX XXXX XXXX last year. However, I am advised to address this concern with you as the loan 's originator. I purchased a home on XX/XX/year>, in XXXX, Georgia, and have encountered several issues that warrant your attention and review. 
1. Interest Rate : Despite having an excellent credit score of XXXX, I was assigned an interest rate of 9.125 %. This rate is significantly higher than the average rates for individuals with similar credit scores. Given my strong credit history, I believe this rate is unfair and not reflective of my creditworthiness. 
XXXX. Closing Costs : The closing costs for my mortgage exceeded {$30000.00}, which appears unusually high for a home priced at {$450000.00}. My pre-approval letter indicated a purchase limit of {$570000.00}, and I expected the closing costs to be proportionate to the purchase price. I should have received credit payments from the seller for the items that were not fixed at closing ( i.e. - the heat/air conditioner ). 
XXXX. Request for Review and Adjustment : I kindly request a thorough review of the closing policies that led to these high costs and interest rates. Additionally, I am seeking an adjustment or refund for any unfair closing costs incurred and a reduction in my interest rate to 5 %, which aligns more closely with current market rates for someone with my credit profile. My current credit score is XXXX. 
I appreciate your prompt attention to these concerns and I look forward to your response. Please contact me at your earliest convenience to resolve these concerns. Thank you for your understanding and cooperation.
Product: Mortgage

I have two mortgage loans from XXXX XXXXXXXX XXXX, XXXX being serviced by Select Portfolio Servicing , Inc, loan # XXXX & XXXX. The payment amount of {$820.00} for loan XXXX and {$810.00} for loan XXXX are incorrect and there is no plausible explanation why both is so high. The loan documents signed at closing for both say the payments should be {$480.00} for loan XXXX and {$470.00} for loan XXXX with no Escrow. As agreed on the loan documents they will be no escrow. The additional amount doesn't equal any prospective escrow payments ( taxes on both are $ 900 yearly and insurance is $ 1100 yearly ) and there is no explanation for the differences. I've called over 10 times since XX/XX/XXXX to get this fix. They told me to give it a few days it will fix itself, I was then told it was because of the escrow ( again which doesn't make sense ), I was asked to upload letters to remove the escrow which I did, I was then told it was because of a lien by the county, they didn't have any lien, my attorney had no records of the lien. I keep calling to get this resolve and I'm not getting anywhere with this company. I asked for management and my request was ignored. Every time I demand to pay only the principal and interest that was agreed upon they would say there's a service charge of {$15.00} dollars and would only waive after I demand it to be waived. I would like to have this issue resolved as soon as possible but I'm not getting any assistance from the loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the date below : Creditor : XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is there was a billing error with my statement.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ; XX/XX/2024. I'm now requesting you investigate this account and update these payments to paid on time immediately. 
Thank you for your understanding and prompt action.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased my lease on my XXXX XXXX from XXXX in XXXX, NJ. On XX/XX/XXXX without any prior warning the transmission went on the car while driving it almost causing us to get into two different accidents. The car had XXXX miles at the time. I called XXXX to get the car fixed they refused and advised it would cost me {$5500.00} and stated the car no longer had a warranty, called Ford Motor Company was told I no longer had a warranty, called various transmission companies to get quotes they were ranging between {$3300.00} and {$5500.00}, there was no way we could afford it and my brother XXXX who is a mechanic advised it was a known problem with the car and even after being fixed would continue to have issues. Did lots of research and found this car was notorious for transmission issues, yet XXXX did not recall any of these car and in the case of the XXXX XXXX preferred to pay out settlements instead of recalling. I worked in good faith to try to get them to fix the car, but to no avail, finally I voluntarily relinquished the car to XXXX XXXX. Especially after the manager at XXXX told me I had to buy the car due to the miles on it. There assumption is that I was XXXX XXXX and the reality is I was helping my nephew who has XXXX XXXX and my son who has XXXX and both require weekly treatments in XXXX. They also said that XXXX miles was a lot of miles, really for a car XXXX XXXX XXXX, who are they kidding I had numerous cars with XXXX, my XXXX XXXX has about that now. I had it with excuses and bogus reasoning not to do the right thing and I was paying the car note and insurance to have a car sit in the driveway for 4 months.
Product: Credit reporting or other personal consumer reports

I noticed mistakes on my credit report regarding 15 USC 1681c-2, with unauthorized inquiries affecting my credit. Please remove all hard inquiries that I didnt authorize. Thanks!