23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have made every payment on this note with certified fund to make sure that the payment are made and on time. They hold money and then say that the amount are not correct each month. I got there letter about changes in insurance and they still did not apply it to the escrow. I will not make a change in the amount with out a notice of some kind of change. I send the mail certified so that I have the notice that all payments are received. This company is very difficult to deal with and does not seam to get this corrected. I have tried to get to XXXX that holds the true note. I want the late fee removed and the credit bureau updated. This is not late.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have identified and addressed multiple violations of the Fair Credit Reporting Act ( FCRA ) and related U.S. laws concerning the reporting and handling of my credit information. The violations include : Willful Noncompliance ( FCRA 616 ) : Credit information about me was accepted and reported without proper verification of its accuracy. This constitutes willful noncompliance, which can result in civil liability of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights ( FCRA 603 ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt out of the sharing of my personal information, a violation of my consumer rights.

Furnishing Deceptive Information ( FCRA 623 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were reported without proper validation, which I believe violates Generally Accepted Accounting Principles ( GAAP ).

Violation of the Debt Collection Practices Act ( 15 U.S.C. 1692 ) : Inaccurate debts and accounts were reported, leading to unnecessary harassment and distress from creditors.

Unauthorized Disclosure of Debt Information : Debt collectors disclosed information about alleged debts to third-party credit reporting agencies, violating regulations that prohibit this practice.

Inaccurate Reporting of Late Payments : My credit report includes late payment entries without clear definitions or proper justification, making these reports deceptive and misleading.

Failure to Accurately Determine Finance Charges : There was a failure to fulfill responsibilities related to the proper determination of finance charges.

Reporting Without Consent ( FCRA 604 ) : Information was reported on my credit report without obtaining my explicit written consent, violating permissible purpose requirements.

Given these violations, I have demanded the immediate correction or removal of the following inaccuracies : Deletion of incorrect personal information.

Validation or removal of unverified debts and accounts.

Updating of accounts inaccurately reported as having late payments to reflect accurate payment histories.

Compliance with the FCRAs procedural and accuracy requirements, as outlined in 1681e ( b ) and 1681i.

I have requested evidence of the validity of certain debts and entries, including original signed documents and agreements between debt collectors and original creditors, notarized and sworn under penalty of perjury. Failure to provide this evidence would require the deletion of the disputed entries from my credit report.

If these issues are not resolved promptly, I intend to pursue legal remedies to ensure compliance and accountability for the violations.
Product: Mortgage

I initially went into the XXXX XXXX after I closed on the home on XX/XX/XXXX to get my E-Withdrawals setup. I went to the XXXX XXXX XXXX, XXXX, PA XXXX location and was helped by XXXX XXXX XXXX while there I asked it there was a way for me to make bi-weekly payments instead of a monthly payment, I was told I was only able to make scheduled monthly payments. This was all set up and everything went smoothly until XX/XX/XXXX. 
The mortgage went from {$1400.00} to {$1800.00}. I received a letter from Fulton Bank, N.A. Member FDIC on XX/XX/XXXX warning me of this change to my mortgage amount. Upon receiving this letter I obviously panicked and jumped to the conclusion that there must have been some sort of mistake. I made it a point to call their Customer Support Number : XXXX. I spent about 2 hours trying to call in and having issues with their verification code system, they texted me several codes I needed to provide during the phone call, none of them worked and I decided since they were obviously not reachable through phone calls I would need to go in person to a branch in town.
Product: Credit card or prepaid card

All the customer service numbers listed for this card will not allow me to talk to anyone until I activate it. I do n't want the card, and will not activate it. I want to know why they sent it to me when I never requested this card.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for over a year. They do not belong to me. Someone In my family used my information. 

XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXXXXXX open XX/XX/XXXX {$4600.00} XXXX  XXXX open XX/XX/XXXX {$1500.00} XXXX XXXXXXXX open XX/XX/XXXX {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This report is really a mess. There are too many inaccuracies such as the remarks. I need to see the documents that to prove that this is mine.
Product: Debt collection

Fraudulent accounts were added to my credit report. Kindly remove them as soon as possible.
Product: Student loan

I have two loans with Firstmark Services. For years I have paid the two loans separately, as one has a small balance and the other is more than XXXX times that balance. 

On XX/XX/19, I paid {$200.00} to one of the loans ( the 'intended '' loan ). Instead of applying it to that loan, they applied a portion to that loan and another portion to the other loan. This caused the intended loan to appear delinquent. The smaller loan is always paid 1 payment ahead and neither loan was delinquent at the time of the payment. 

I had to email the company multiple times and I had to call them. The person on the phone said that they saw in their system that their were instructions to apply the payment specifically to the larger ( intended ) loan, but that the payment was not applied correctly. 

The person advised they would attempt to have it corrected. The daily interest on this loan is {$11.00}. To date, this error has cost me {$130.00} ( 11 days of interest ). Additionally, I had to make another payment so that this loan would not appear delinquent. I suspect that the company will also incorrectly report me to the credit bureaus. I will file complaints with those bureaus as well. 

Assuming they correct my loans, had I not been watching them like a hawk, they would have taken hundreds of dollars from me and ruined my credit. I know your organization faces obstacles in watching student loan servicers, but it is essential to have someone on the side of the consumer against these large, callous, greedy companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has refused to comply with the fair credit reporting policy by asking me for correct information to verify my identity which I have already sent them a copy of my state ID and poof of my address and my social security number and a police report stating that the accounts listed are the result of fraud and 12 inquiries are all fraudulent and this agency is giving me a hard time about removing this incorrect information from my report in a timely manner.
Product: Debt collection

Previously I had rented a small storage unit. The company XXXX XXXX XXXX has been offering a new customer offer for {$1.00} paid for the first month. A week prior to the month ending I received a {$70.00} bill from the company, the manager of the company said that I needed to also pay for the following month, with reluctance I paid the amount. Then closed out the unit and got my remaining things a few weeks latter. Now I am receiving phone calls from Allied Interstate LLC, claiming that I still owe money for the unit. The collection company has called me non stop, and has been using malicious practices to try and collect the debt. The number for Allied Interstare XXXX. The reason I am reporting this is because I believe it is a scam, again all monies were paid for the storage, and considering that the unit was closed out a month and half ago, it seems very suspicious for this company to be calling. Please let me know if you have any questions- Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  / XXXX ACC OUNT XXXX AMOUNT {$1600.00} This account was open by fraud I have reached out to trans union fraud department to notify them that this was open by fraud. 
I have attached a FTC REPORT Please remove this from my account
Product: Credit card or prepaid card

Since opening the Aspire credit card several non-requested user transactions have occurred : An authorized user card was added to my account without request - I was charged a {$25.00} service fee - The additional party added has their own, unused Aspire account - When this person was added I was requesting actual cards to be sent due to many months of never receiving the cards An automatic withdrawal for the entire balance was set up in XX/XX/XXXX on a knowingly closed account remaining in my account history - I was charged a {$25.00} reversal fee - When this transaction was manipulated, I previously set up a replacement acct - A {$200.00} payment was also " refunded '', with no identifying traceable information - The {$200.00} payment was made prior to the auto pay being forced onto the account - There is no designation for " primary '' payment account These insider manipulations concerning my account are running up the otal owed on the account. I am not being allowed to make regular, affordable payments. Excessive, illegal and unauthorized access and changes within my account setup and payments are causing exacerbated injury to my credit, banking relationships and time consumption by creating unavoidable debt! This is being done by adding fees through triangulation of my account by never having information available that I request to verify with the financial institutions I am currently doing business with or have done business with in the past. I am being hit with fees every month and larger balances when I try to pay my balances down, legally! 

It is clear from month-to-month that there was no account auto pay set up as my payments were made via direct payments in the web portal. Each payment was returned. When I brought this information to XXXX 's attention, XXXX, the supervisor on today 's call ( XX/XX/XXXX ) at XXXX XXXX  ( AZ ) attempted to delete information needed as proof to these aggressive tactics of financial manipulation of my account. She also stated that the {$25.00} fee for a closed bank account should be taken up with the bank! I hold no account there, therefor, XXXX bank would never charge {$25.00} for a XXXX XX/XX/XXXX transaction on an account that has been closed since XXXX XX/XX/XXXX!
Product: Money transfer, virtual currency, or money service

I'm trying to connect my account to buy stocks, but it is not allowing me to connect my PNC account
Product: Credit card

Our credit card with US Bank was subject to an account takeover. Someone posed as my husband added their name to our credit card. Apparently this person had the last XXXX of his SS # and used that to change our email address and telephone #. The customer service rep made the changes and US Bank never emailed us to verify these changes or at the very lest let us know this had occurred On Fri pm we received a UPS delivery and to our surprise it was our credit card # but it had someone else 's name on the card. The card had a {$15.00} fraudulent charge so that the card could be expressed mail. Immediately we called US Bank and they told us our account had been taken over. The bank removed this {$15.00} and locked the account. At the same time the bank transferred the charges to a new account. The bank would not give us any information about the person who committed this identify theft. The next day we reported the incident to our county police department and we sent the police report to US Bank. Approximately two week later I called to check on the status of the investigation. US bank denied receiving the police report even though I mailed it certified return receipt requested. That was not true because I had my copy from the US Post Office, After numerous telephone calls with fraud dept and eventually the Office of the CEO I was told that if I wanted any information I must get a subpoena. I paid the account in full and the next day I sent US Bank a letter requesting that they permanently close both accounts and never solicit our business or allow anyone to pose as us to gain credit.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or resolve the following accounts XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX my XXXX XXXX  XXXX XXXX  account was placed on a freeze/hold and a sum of XXXX $ was taken out of my account by a court XXXX of the XXXX XXXX XXXX for this debt collection account from XXXX from XXXX XXXX  XXXX The company is LVNV funding llc. They placed a lawsuit in the court with the improper address, I received no notification of the lawsuit or debt due to them sending it to the wrong address. They have taken all my money out of my account without properly notifying me that I had a lawsuit to begin with. This is in fact illegal and violates the fair debt collections act not only bc the account is old ( XXXX ) but bc they did not properly notify me of a lawsuit and were able to place my bank account on hold and took money from my account leaving me with XXXX XXXX I attempted to contact them, and they stated that is the address they were given. No other attempts were made even by the court XXXX. Expedited emergency court hearing is scheduled XXXX XXXXXX/XX/XXXX for the objection to the bank levy I was never properly notified about. Dates and amounts are in attached documents.
Product: Money transfer, virtual currency, or money service

I was contacted by XXXX XXXX XXXX who offered an attractive investment and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX XXXX is not regulated in the XXXX where I reside. I now understand that XXXX XXXX   XXXX does not have the ability to provide segregated accounts for investment purposes. 
After that i contacted XXXX company to help me out of this problem.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been deemed XXXX  and XXXX  XXXX and live on a fixed social security income. All of my other student loans have been forgiven based on this XXXX except PNC, which does not offer forgiveness for this issue. They are requiring an unrealistic repayment plan. I have spoken to the servicer and the bank itself who told me pretty much to bad. This is discrimination against the XXXX, not only me but every other person that may have become XXXX/XXXX  XXXX.
Product: Mortgage

( I ) XXXX XXXX sent over the bankruptcy of XXXX with the formal copy. XXXX XXXX and XXXX XXXX at Rocket Mortage told me I am not approved because a recent bankruptcy. NOT TRUE. I have 3 credit bureaus reports as of XX/XX/XXXX. They said they used different reporting companies. I have the emails. Also, the credit reports ran on XX/XX/XXXX. They have said my credit is XXXX. I have worked my XXXX off with 19 late payments from student loans that is not true and after litigation it will PROVE it. I am tired of the XXXX from the powers AT BE BECAUSE YOU MAKE XXXX A YEAR. You are not free!!!! You are the problem! Reporting discrimination!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor 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 never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Dear, CFPB, Madam/ Sir : On or about one month ago on, XX/XX/XXXX. I received, a call from a debt collector regarding the amount of, XXXX. I call the debt collector and I spoke with him, and explain to him that the debt was not mine and did not belong to me. He started to abuse his language and he also thretening me, and harrass me that if i did not pay the unknown debt. He will sue me and he told me also that the money had to be paid in 72 HRS. I told him in our telephone conversation on XX/XX/XXXX. Sir this debt its not mine and does not belongs to me. I also told him NOT TO CONTACT ME NO MORE. That he was braking my consumer rights and also he was braking Federal Laws. I also told him on our telephone conversation to STOP calling me. Good bye and have a nice day. On XX/XX/XXXX. He call me again and told me that he made a mistake that it was not, {$1500.00}. However he told me that it was, {$20.00}. I told him to write me a letter of notification. On XX/XX/XXXX I received the letter stating that I owe a XXXX  {$20.00}. Please note that my insurance company Paid, {$80.00}, and I paid the {$20.00} cash to the secretary of XXXX XXXXXXXX XXXX  This bill was from XX/XX/XXXX, and my insurance company paid on, XX/XX/XXXX. Thank you very much. Respectfully yours. XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$870.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$210.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} XXXXCharge off XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$16000.00} -Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This was a third party pay phone company that billed me through XXXX for collect calls to my answering machine from a pay phone in Arizona. I never answered the phone, or authorized or accepted any of the charges! No one was even home at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX