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

Equifax seems to be manufacturing a pattern of declining FICO scores as a result of me filing complaints with CFPB about their actions over the past month and a half. Over the past year, my credit score has gone up as a result of me cleaning up my credit report with the XXXX primary firms in the business ( Equifax, XXXX and XXXX ). My credit score with these XXXX was in the low XXXX 's. In early XXXX, my Equifax FICO score was XXXX, thereafter. since I complained to the CFPB for them " adjusting their FICO recipe ''. Additionally, I filed complaints with XXXX XXXX and Equifax. XXXX XXXX tells me that they utilize Equifax 's algorithm. 

After I filed complaints with CFPB about XXXX and Equifax, my equifax score dropped almost 100 points. My XXXX and XXXX scores surpassed XXXX during this timeframe. Equifax 's reasons for the XXXX point drop were listed as their changing the recipe of their algorithm, and another XXXX point drop when I paid off a loan and the account was closed. It was a credit builder loan that was paid as agreed and it was closed at the end of the term. 

There is no logical reason why this is happening. I have taken screen shots of these declining FICO scores and am unable to download them with this complaint. Perhaps, you can give me an email address to send them to.
Product: Debt collection

Over a year ago I got notice I owed a credit card debt. I had no idea what this was about. I immediately sent out a validation letter with no response. I then sent out more validation letters with no response. So, they never responded to me but then sued me and placed it on my credit report. I thought this was not allowed. The company collecting for LVNV was XXXX XXXX XXXX. At the time that is all I knew. This was stressful and time consuming. I went to court a few times and then this last time the judge dismissed the case. I have asked them to remove it from my credit report but no answer. I don't owe this debt. I have been injured by this carelessness. I was denied a mortgage because of this. I just thought that while I filed those validation letters they could not place me in collections or sue me until they had proof. They did it anyway.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Product: Debt collection

On XX/XX/XXXX I then sent copies of XXXX legal affidavits, the XXXX County Deeds Office letter response, and a letter informing PENN CREDIT CORP the following : I do n't know anything about this debt please send to the Original Creditor. The Account/Debt was established without my knowledge. 

As Resolution of this complaint, I ask that PENN CREDIT CORP stop all current and future correspondence with me and their company be erased from my current credit report. 


COMPLAINTS XXXX On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account PENN CREDIT CORP via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PENN PENN CREDIT CORP ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). 

On XX/XX/XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County XXXX XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX XXXX, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PENN CREDIT CORP ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing PENN CREDIT CORP the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that PENN CREDIT CORP stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX
Product: Mortgage

Hello, We refinanced 3 years ago for a lower interest rate through XXXX XXXX. Never have we been late on our mortgage. We have always had our own homeowners policy. Last year we were canceled through XXXX. 
The lender at the time asked for proof of insurance which I had sent. Our mortgage has been an auto pay of {$1400.00}. In XXXX I noticed a larger amount taken out of our account, an extra {$250.00}. Since then I've stopped auto pay and pay on my own. I called the lender at the time and they mentioned that they opened an escrow account for a homeowners policy. I went round and round with them stating that we have our own policy, they said they would see that it was removed, it never happened. 
As of XX/XX/XXXX our mortgage was sold to Mr Cooper, now they have been calling me daily and sending notices that I'm delinquent with my mortgage. Im paying my monthly mortgage of {$1400.00} just not the extra {$250.00} escrow account for HO insurance. Now they're saying my home could go into foreclosure? How can the mortgage company get away with this?? This is not ethical. I've never signed anything regarding this policy that they've attached. Not sure what to do from here. Im asking for your assistance or insight? 
Thank you!
Product: Mortgage

I see that Wells Fargo has had numerous Class Action lawsuits filed against them related to mortgage loans that went to Foreclosure. I realize this is from XXXX, but I am needing information about how to join the class action lawsuit and have not been successful getting any information from their Customer Service through the XXXX phone number that was listed. I can't find details in my files related to account number. The only thing I have is through on-line XXXX look up showing my Foreclosure. 

I need help getting information why I wasn't included in this Class Action automatically, as the online articles implied that this was to be expected. 

Wells Fargo refused to work with me on a loan modification or other reasonable solution. What they proposed via the phone contacts that I had with them was not a solution. Ultimately, my mortgage was foreclosed on XX/XX/year>. This caused me great hardship Please advise what I should expect or what I can do to pursue this and be part of the Class Action settlement.
Product: Money transfer, virtual currency, or money service

I was digitally hacked and had all my info stolen. I saw an unauthorized purchase on my account for {$200.00} from XXXX and reported it to my bank Capital One. During this process someone XXXX XXXX themselves {$300.00} from my account. I opened up fraud claims for both instances. The first from XXXX was cleared but the XXXX was not. I was told that because it was peer-to-peer it was a valid transaction but then they threatened to close my account due to fraud. I was placed on hold and transferred so many time before someone was finally able to tell me something. Now my account is in the negatives and I'm a broke college student with no other options. The best part is that they told me that the fraud was done in a completely different state from where I live. I live in NJ and this was all done in Ohio. There need to be a better way to handle these situation. I can't even access my account for any information and this is the only bank I have.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was surprised to see incorrect accounts listed, and I dont know how they got there. I routinely monitor my credit, but this time, I noticed discrepancies that werent there before. I even refreshed my browser in case it was a technical issue, but the inaccurate accounts remained. Because of this, I kindly request a thorough review of my submitted documents to resolve this issue permanently.
Product: Credit reporting

There are XXXX accounts from XXXX XXXX XXXX that are reporting inaccurately onto my file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ... I have disputed them numerous times with the agency and they refuse to correct the inaccuracies and verify the items correctly. I have asked them to delete them since they remain incorrect and they refuse to speak with me to do so. I have repeatedly asked for them to provide me proof of verification, evidence of their investigation, reference numbers or absolutely anything and they do not show me or tell me anything. I have contacted XXXX XXXX XXXX regarding these XXXX accounts and they have repeatedly told me that no one has called or conducted any type of investigation from any of the credit reporting agencies. I am concerned as to why these accounts are allowed to remain falsely reported on my file. I will complain until this is properly removed! These accounts are hurting me and contain false dates, payment histories, balances and status.
Product: Money transfer, virtual currency, or money service

Hi yes I had a charge for a newspaper through pay pal that I opened a fraud charge case with pay pal about. They did not believe me that someone else was using my account snd refused to refund the account. Now today I login and see where pay pal has deducted XXXX for XXXX XXXX but I do not use XXXX XXXX. I have a XXXX XXXX but its linked to my XXXX federal credit union account directly and not through pay pal. All though I also have that account linked to pay pal I dont use it via XXXX to make purchases. I hope that makes sense. As in I do have the XXXX account linked to pay pal but I do not have pay pal linked to my XXXX wallet nor do I use XXXX XXXXXXXX  or XXXX XXXXt. Instead I have XXXX XXXX purchase taken directly from my XXXX as I figured having pay pal as a middle man was silly. This is another reason I think someone else is using my pay pal account. Now I have to change my pay pal account password which I have done multiple times. And today after trying to file a refund for charge, pay pal is suddenly saying that my password is incorrect. I know this is not the case snd screen recorded me changing the account to the new password and recorded it saying my new password is incorrect. So pay pal is locking me out of my account to even request a refund or contact the help support. I supposed they will count this time Im locked out against me in the time they allow for refunds. Ive tried to email snd call but no one will answer or email me back. XXXX XXXX XXXX, AL XXXX XXXX XXXX
Product: Checking or savings account

I have been having problems with this Bank for yrs with nothing but overdrafts which to me did not make sense and was never addressed
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am-asking you to venty as accurate account ( XXXX XXXX )
Product: Credit card or prepaid card

I made a reservation on XXXX on XX/XX/2020. On XXXX, 2020 I cancelled the XXXX reservation, well within the 24 hour cancellation period. I received a hard copy of the cancellation showing that I owed XXXX balance and the reservation was cancelled. One week later I contacted XXXX through an internet chat and they confirmed the reservation was cancelled and that I would receive my refund within 30 days. After the charge of {$510.00} was returned to my account by Capital One, the credit card company, I was shocked to see the charge returned on my billing statement. 
I was forced to make the cancellation due to the current virus lockdown. I have copies of my original reservation, the cancellation notice and the computer chat stating this charge was cancelled. XXXX now says it is a valid charge. 
Capital One has had an active dispute since XX/XX/2020. All they do is keep asking for more documentation to settle the dispute. I feel like they are dragging this out far too long.
Product: Bank account or service

i was a victim of scam which many times i have addressed issue to cfpb regarding both XXXX XXXX XXXX and wells fargo bank who refuse to cooperate to recover my loss the loss i suffered and still not willing to cooperate to resolve issue matter of my scam and my recovery of loss i suffered through the scam i suffered.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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

I have been a victim of identity theft and have made countless reports over the years about this. I've sought out several credit agencies in hopes of clearing my credit of fraudulent activities which has fallen upon def ears. I am hoping by reporting this it will hopefully grant me the results I need to live my life and buildup my credit with dignity. I would like all fraudulent accounts removed so that I can buildup my credit and finally do what I need to do for myself.
Product: Mortgage

On XX/XX/2020 I received my monthly mortgage statement from PennyMac indicating my payment was not received and I am already due for 2 monthly payment. Although my payment was received as it shows on the statement on XX/XX/2020 for the amount of {$1400.00}, and my monthly payment is {$1400.00}, so my payment was more than my monthly mortgage payment. 

I called Penny Mac and spoke to XXXX ID # XXXX on XX/XX/2020 at XXXX XXXX  ET, trying to understand why my payment on XX/XX/2020 was not applied and I was told because I am making a bill pay thru my bank, I told XXXX but I have been making the payment for over 6 years now and never encountered this issue and why now this changed without an advanced notice. 

I asked XXXX if she could escalate this matter because this is impacting me since my payment is not applied properly, I was told since I am making my payment from my Bank this is the result basically. 

I think this is not right and PennyMac is not treating my fairly by applying my payment properly to the account to reduce my principle balance properly.

Could you please advice as to what I can do since PennyMac are not willing to fix the problem nor acknowledging the problem.
Product: Mortgage

Mr. Cooper is sending me mortgage notices that im behind in my payments. They are leaving me voice mails and sending notices through the mail on a daily basis. My payment from XXXX is sitting on my account as unapplied. My XXXX payment was made XX/XX/XXXX but no statement is showing on the website to down load. In the last complaint they said they would do an out of cycle escrow anyalsis on XXXX. I made an additinal escrow payment of {$350.00} on XX/XX/year>. No escrow anyalsis has been done. 

In addition I have tried to remove my escrow account from Mr. Cooper and they have me locked out. They say the payments have been made late and I can not cancel the escrow account for 6 months. 

All my payments have been made on time for 20 years. They have miss applied the payment and it has been sitting on my account since XXXX. Please see attached statements. Is there another entity that I can send this information to? Mr. Cooper is harassing me daily and wont apply the payments or let me cancel the escrow account. Please investigate their business practices. For all concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to rectify this problem for quite some time. 

I have been in contact with XXXX. Also, the United States bankruptcy court district of XXXX, New Jersey. Every time I follow a credit dispute with the credit bureaus I received information that the dispute has been verified. I've also asked how they verify the information and they never get back to me with it. I was told XXXX is the furnisher of information regarding bankruptcies. And they stated to me they have nothing in their database showing the bankruptcy for me. 

Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX
Product: Debt collection

I have sent 2 letters to this company to Validate this debt and they have not provided any real proof. All they have provided me was a statement with an account number with no name and no signed contract to prove this debt is mine.
Product: Credit reporting or other personal consumer reports

My Account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on XXXX XXXX. This late payment that is reporting is a resort of systematic error on their end processing my payment. There was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC code 1681 EB. This area has caused severe hard to my reputation, my character, my mode of living into my family! I demand the late payment reported in XX/XX/year> to be removed. They are not in compliance with the following law 15 USC 1666B requirements set the standards and the guidance for a credit to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 US 1666B ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open and customer credit plan as late for any purpose, unless the credit has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( B ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637b.

I have requested proof that this information was mailed or delivers 21 days before the payment due date and this information was requested in good faith pursuant rule one 1002 and it was never provided. This is unfair, illegal, fraudulent, and equitable to me as a consumer!

Delete the payments from my consumer reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

By far the worst experience I ever had with any financial company. This company is scam and should be shut down! 
This company is violating the laws ( UDAAP ) and needs to be held accountable. 
My story : Unfortunately I foreclosed on my home in 2018 and received a debt cancelation documentation from my lander at the time ( XXXX ). I ended up taking a huge loss and paying almost 30k to IRS to cover this free money that was forgiven by lander. 

This other company started contacting me recently via mail ( LoanCare ) stating that they are my lander now!?!?!?!?! How can they be my lander if I dont even have an open loan ( with them or anyone else ). 
I contacted them attempting to clarify and resolve this mix up. I was already upset and wasnt very nice to several reps/managers who were asking me ridiculous questions and not willing to help in any way. Only thing I was asking is to be removed from their mail list and for them to stop contacting me about the loan I no longer own. 

Well, someone from this company decided to retaliate and reported a new open loan with 24 no/late payments to the credit agencies.

My credit score went down 150 point for the loan that I dont even have!? 


After several hours on the phone, I spoke to two different supervisor and no one could tell me what in the world is happening. They both ensured me this will be handled with urgency and this remarks will be removed from my credit report. 
Well, 2 weeks later nothing was changed. 

Just spoke to another rep from this company who refused to transfer me to one of the supervisors, was extremely rude and obnoxious and ended up transferring me to no one ( hanged up on me ). 

This is completely unacceptable and I'm counting on CFPB to assist me resolve this situation and quickly. 
I did some research on this company and couldn't find a single positive review from any of their customers. 
Please contact me if you require more information.
Product: Credit reporting or other personal consumer reports

I am writing to address a critical issue with my credit report. Upon reviewing my file, I discovered an account that is clearly not mine but is incorrectly associated with my personal information. This account is a result of mixed data and belongs to someone else, not me. The inclusion of this account on my credit report is not only erroneous but also harmful to my financial standing. I need this inaccurate information removed immediately.
Product: Credit card

I signed up for a 0 % APR interest credit card from Citibank. I was issued an 18 month 0 % credit card in late XXXX / early XXXX. I was given numerous interest fees. I called on XXXX XXXX express my frustration. Citibank stated " they would get back to me in XXXX - 10 business days. '' They never did. I called on XXXX XXXX. And my second inquiry into the fees resulted in stating that I never signed up for a 0 % 18 month interest free credit card.