23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IQ Data International charged me 700 % of what I actually owed my old apartment. In XX/XX/XXXX, my old apartment XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX CA XXXX sent us an eviction notice in retaliation to our complain about their city code violation where they simply painted over black moles after our apartment was flooded by upstairs ( as a result my entire family contracted bronchitis ). We moved out 2 weeks after the notice and we really owed them 2 weeks of rent which was approximately {$1000.00}. On top of not giving back us our deposit, the apartment sold the collection to IQ Data International and they demanded {$6000.00} until end of XXXX and after hearing that I would compliant to consumer bureau if they did not give me an itemized deduction of the {$6000.00} they wanted, they raised the collection to {$7000.00}. IQ Data International is a criminal organization engage in robbery.
Product: Credit reporting or other personal consumer reports

Sent letters to Experian through USPS XXXX XXXX asking to remove XXXX XXXX acct XXXX Then I sent another letter XXXX XXXX askjng for proof that they investigated and found the information they are reporting to be true and they havent responded in the 30 days. They havent removed the false information from my credit.
Product: Credit reporting

I closed my account and paid my last XXXX bill, and it shows as a Derogatory Account on my credit. The report shows the balance is {$0.00} and the last payment was made in XXXX 2016. It also shows I was reported to the credit bureau in XXXX 2016 and that the account was PAID CHGOFF. I assume this means even though I had a XXXX balance I was reported and XXXX claimed they paid off my account. I have called XXXX and they can not find me in their systems by my account number, social security number, or name. Curiously, I can still log into my online account, which shows a XXXX balance. I need to get this XXXX account removed from my credit reports, as it was not a " derogatory '' account but was paid a month prior to being reported. I have attached my screen shot of my {$0.00} balance, and you can note that it is the same account number as shows on my credit report. XXXX solution was to send me to the XXXX XXXX XXXX phone system that wanted me to pay {$10.00} to " temporarily freeze '' this transaction on my report, but no human could explain what that meant of why I would do that when they were unable to find me in their computer systems.
Product: Student loan

I had submitted my paperwork for a renewal of my income based repayment plan in late XX/XX/XXXX or early XX/XX/XXXX. My expiration date of my current years payment was in XX/XX/XXXX, so I figured that I would get a head start by submitting my paperwork early. I had called later in the month to make sure that all documents were received. I was told they had been received, they told me my new payment would be XXXX and all I had to do was wait till XX/XX/XXXX to get my new payment. When I got my XX/XX/XXXX invoice, my payment had skyrocketed to over XXXX dollars. I called Navient and they said it must have been an error and that they would fix it. I asked if I could pay the XXXX and they said no, that that would be considered an incomplete payment based the amount they said I owed. My only option would be to defer the payment for another month while they fixed this issue, but that interest would accrue on the amount. Come the next month, the payment was still over XXXX dollars. I called back again and they acknowledged that I had called them and discussed the issue and that it should have been fixed, but that I would have to defer my loan for another month so they could fix it. I told them that they had told me that already and that it was n't fair that I had to pay interest bc of their mistake. The next month it was still not fixed! It took several phone calls to get this cleared up, I had asked to speak to speak to supervisors and all assured me it would be fixed and that if I paid the XXXX, I would still owe the balance and they would send me to collections. I was forced to accept deferment for several months. I finally called in XX/XX/XXXX and demanded to speak to another supervisor, this woman was able to fix the issue within minutes of the call. I asked her why this was not done during the many other calls I had made and she had no answer. I told her that I should n't have had to defer my account bc of their mistake and she said, " Well, you agreed to it '' I told you that the company had agreed to fix the mistake and that they had broken their end of the verbal contract. I was very angry and ultimately, the payment was fixed but I still accumulated interest bc they did not process my paperwork and failed to make good on the several promises to fix it and I was threatened to be sent to collections if I did not defer. 

I accumulated loans from XX/XX/XXXX-XX/XX/XXXX for University XXXX and from XX/XX/XXXX-XX/XX/XXXX at XXXX University.
Product: Mortgage

Last year I fell a little behind in my mortgage due to health issues and financial loss, I contact Mr. Cooper who was assigned to take over my mortgage from XXXX XXXX in which I was not made aware of that change until XX/XX/XXXX. 

So for months, I was explaining to them of my hardship and they stated they would work with me I thought I was approved for loan modification in which I started to make payments of XXXX in XXXX. While trying to following there online system which failed when trying to make payments it refused mine and thus being said they denied my modification and now they have placed me for foreclosure. 

This company is hard to get on the phone and I am so frustrated I never had a problem with XXXX XXXX and I never missed any payments until last year and now they are telling me the XXXX XXXX has my loan and there is nothing to do. Please help me I am able to make payments now if they would just work with me.
Product: Mortgage

To whom it may concern, I have summitted a formal complaint to Chase on the handling of my escrow account. When I initially closed my home loan in XXXX of XXXX my lender padded my escrow account to for the standard rate in California of 1.25 % of my purchase price ( {$490000.00} ) to account for any increase in tax payments. My monthly payment was at {$2500.00} with {$510.00} being allocated to my taxes. When my supplemental tax bill came out in XXXX of XXXX, I sent the bill to Chase. Chase should have this of record and understood how my taxes would have increased from the previous owner to me. Chase was able to pay my supplemental taxes directly from my escrow account due to the diligence of my previous leader. In XXXX of XXXX my payment was lowered when my escrow account was reanalyzed. My payment was updated to {$2100.00} with {$80.00} being allocated to taxes. This should have never happened. Chase should have left my payment with the padding using my supplemental tax bill as evidence my new tax bill would be substantially higher than the previous bill. In XXXX of XXXX again my escrow account was reanalyzed changing my payment to {$2100.00}. Lastly, XX/XX/XXXX my escrow account was reanalyzed. Now I have an escrow shortage of {$4600.00} with an increase to my monthly payment of {$800.00}. 
The amount of taxes Chase paid on my behalf in XXXX was {$8600.00}. How would keeping my taxes at {$960.00} a year be setting me up for success? How is this responsible servicing? Chase has created a severe hardship to my household. I must take a loan from my retirement account to pay my escrow shortage in full because there is no way I can afford the {$800.00} monthly payment increase. This was not how my loan was approved exceeds my current XXXX. 
I have called Chase Customer Service and spoken to 3 individuals on XX/XX/XXXX, without success. I would like Chase to contact me directly and rectify this issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I confirmed with my servicing department they take items I discussed into consideration, so XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per the XXXX settlement with Experian, my account has been compromised on multiple occasions and is reporting a significantly lower number than other reporting company
Product: Credit card

I typed this once and it was somehow lost. Long story short. I have an account with Affirm. On XX/XX/year>, I made a " planned purchase '' in the amount of {$350.00}, usd. Within hours of placing the order I changed my mind, and canceled the entire purchase. I have been trying since XX/XX/year> to get this issue resolved. I am now getting harrasing text msgs, emails stating my account is delinquent. I have spoken with XXXX different agents. Attached requested docs showing the order was canceled, XXXX released the {$350.00} back to Affirm, but they are not closing the account. I've reported Affirm to the XXXX, and am at a loss of what steps to take. I am rebuilding my credit from the pandemic, and have not paid XXXX bill late. I have other open balances with Affirm and never a late payment. After XXXX months it's time to take further action.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, and XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of t multiple fraudulent accounts appearing on my consumer report which I do not recognize as reported and which are the results of identity theft and fraud. I will list the fraudulent accounts, XXXX on XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXXXXXX XXXX on XXXX account XXXX XXXX, XXXX XXXX XXXX on XXXX account XXXX XXXX, XXXX on XXXX account XXXX XXXX, XXXX XXXX on XXXX account XXXX XXXX. These accounts have resulted in several fraudulent inquiries, collections and charge offs on my XXXX credit report. I demand that the aforementioned fraudulent items be removed from each consumer credit report and all the collection activity related to said items cease pursuant to my rights within the FCRA and the FDCPA laws. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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


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


Update the late payments from my consumer reports
Product: Student loan

I was making my monthly payments on my private student loan XXXX XXXX ( Navient ), however come XX/XX/XXXX I lost my full-time job and was n't able to make payments. XXXX XXXX ( Navient ) was made aware of my financial hardship but told me I do n't meet the requirement for any programs including the *financial hardship program*. So of the XXXX private loans I had I used my unemployment money to at least pay the loan with the co signer ; I stop paying when my unemployment ran out in XX/XX/XXXX. It has been roughly 185 days since my last payment with this loan but they sent it off as defaulted. I called the XXXX XXXX customer service and lady told me that my loan was in default for being over 210 days late, I then told her that, the loan I 'm speaking of was only maybe 190 days. She tells me when I was making payments on that loan I was still late so they added up days I was paying into not paid. She also told me which really hurt was that I did n't qualify for any hardship programs when I called them in XXXX and XXXX when I was still unemployed and looking for a job to see how can I make arrangements but I could have probably qualified which the guy I spoke to in XXXX clearly told me to call back when my financial situation change.
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX Account No. XXXX of XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of the account from XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Rental/Leasing ; Original Creditor - XXXX XXXX XXXXXXXX ; Amount - {$7400.00} ; This unverifiable item is in clear violation of FCRA Section 611 a ) ( 1 ) ( A ). I expect this to be done in 30 days from the receipt of this complaint, as stipulated by FCRA 623 ( a ) ( 8 ). Failure to comply within the specified timeframe will be considered willful non compliance, subject to legal consequences. Additionally I want to make it clear that any action taken by XXXX XXXX XXXX besides deleting the collection will be considered non-compliance. I am invoking my rights under 15 US Code 1681b ( 2 ) AND I am giving clear instructions to furnish my report and delete the collectio. Failure to adhere to these instructions will result in further legal action. Moreover I insist on XXXX XXXX providing written document that provesI, as the consumer have granted explicit permission for your agency to access my consumer file. The failure to obtain consent is a direct violation of FCRA seCTION 604 ( a ) ( XXXX  ) ( A ). This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws.
Product: Mortgage

I sent Chase bank a certified letter XXXX XXXX stating that I want a disclosure pamphlet of there policy that you are allowed to make a when there is a discrepancy with your mortgage account.. I asked that it be sent and call me when its sent off. Including a tracking number. It is my right to them. It is a federal law. They are not providing them to me.
Product: Debt collection

They responded that, to review my claim, TSIs client requests a copy of the full police report and a completed fraud claim at XXXX, along with the required information, which I am submitting through this channel.
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  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: Credit reporting, credit repair services, or other personal consumer reports

Equifax claimed they did an investigation on an alleged debt with XXXX XXXX Complaint # XXXX. How did you conduct the reinvestigation? Because 15 USC 1681a ( e ) says that an investigative report should not include information from a creditor... I need a detailed report of who you spoke to at XXXX within the next 10 days, during this time-remove the account from my consumer report as you are required. If you can not furnish me with that information, I demand you delete that alleged account from my consumer report. Send my written consent giving permission to report this account as well-because that's the only way this account should be on my consumer report. The fraud that has been taken place on this account is going to be in a court case very soon-you may want to separate yourself from this situation immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports.Re-inserted illegally, XXXX. violation. 

PORTFOLIO RECOVERY A Reported : XXXX XXXX, 2021 {$500.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final XXXX  attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been charged off and the debt is no longer a debt as it has been written off by the company. Ive requested the 1099 for this and have been ignored. this is a violation of the Fcra.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX credit bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I included this in my last COMPLAINT # XXXX, and XXXX and hoping that these questionable accounts will be corrected. XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXXXXXX Balance : {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent a certified letter to XXXX XXXX XXXX, asking them to verify debt and it has been 30 days without a response. It was removed from XXXX, but Transunion still has it.