23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am delinquent on Bank of America Credit card by many months. My husband is XXXX ill and after being told by XXXX he had XXXX, I quit work as an XXXX to care for him, XXXX years ago. I did not expect this and expected to return to work long ago. I have placed him in a home a few weeks ago and plan to return to work soon after I get personal affairs dealt with. I have filled out their form on their website filling in financial info for delinquent accounts telling them everything I have including income, debts etc. I have written to them asking for written communication only. They simply wrote back and said " We need to speak with you. '' They still continue to attempt to call XXXX or XXXX times every day.
Product: Mortgage

XXXX sold my account or transferred my account to PHH mortgage services. 

I received a letter end of XXXX. In XXXX I would have to start making payments to PHH. In XXXX and XXXX I struggled to bring my account current. 

In XXXX I went to pay at XXXX XXXX but my account was not merged to PHH. 
I paid to ocwen and the fee was set to {$16.00} as to {$2.00} per transaction. 
On the statement it said I pay {$590.00}. 
My Property tax is {$2500.00} and school tax with star program is {$1800.00} and Insurance is {$640.00} total of {$5000.00} escrow {$420.00} Now PHH has put the mortgage payment as XXXX escrow at {$490.00} total in 12 months {$5900.00}. 
over $ XXXX Not only that my account has not been updated in the system and have charged me for inspection and also sent a notice of additional escrow. 
I have been in this house for 17 years. 
I think it is fair to be told how they come up with that figure of {$660.00} stop the threat calls and robo calls. 
False escrow calculations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting to my credit profile has caused me to have to pay higher interest rates which has caused much stress in my life along the pandemic I do understand that mistakes happen so I simply requested an investigation into misleading inaccurate accounts on my profile on XXXX to this day over 60 days later I have no received any response which I know has to be a violation of my rights I do feel ignored of my issue and I also found through my search that my credit was impacted by the data breach I do hope you find out you these misleading accounts belong too. Thank you for the quick response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted Equifax, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Product: Credit reporting or other personal consumer reports

HI Someone made a loans in my name from the company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TOWER LOAN XXXX Balance : {$1900.00} I believe the information being reported to be inaccurate.
Product: Mortgage

There has been a letter from XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. Sent to Carrington Mortgage Services , LLC . to address the situation at hand on XXXX. 

On XX/XX/2023, I called Carrington Mortgage Services , LLC twice. I was told by more than one representative that Carrington refuses to accept my monthly mortgage payment in the amount of {$1100.00} until I pay the amount that Carrington alleges is delinquent. There are two critical points for consideration : 1 ) I vehemently disagree that I owe any amount to Carrington other than the monthly mortgage amount, and 2 ) Carrington has failed to provide a definite amount that is allegedly owed. There have been several discrepancies in the amounts allegedly owed. For example, ever since Carrington initially informed me that I allegedly owed funds in excess of my monthly mortgage amount, the amount allegedly owed has changed. 

Today, the first Carrington representative that I spoke with indicated that there is {$820.00} in suspension, and we could send a partial payment of {$310.00} which together would equal one payment which meant that only 3 payments were still delinquent. 

During the second call today, the Carrington representative noted various discrepancies in the amounts allegedly owed, namely, the following : 1st amount- {$5200.00}. 
2nd amount- {$4500.00}.

3rd amount- {$3700.00} ( per supervisor- to catch up and excludes the additional fees of {$650.00}. ) If Carrington is unable to provide a reliable and fixed amount owed, then how can I be certain that once I pay the amount allegedly owed that Carrington will not continue to collect additional amounts that they may allege is still unpaid. In summary, due to Carringtons insistence that I pay all delinquent amounts owed, allegedly, it refuses to accept my monthly mortgage payment which will necessarily harm my credit status and be financially costly to me, especially since on yesterday, one of the Carrington representatives mentioned that foreclosure would be evident.
Product: Debt collection

Multiple calls through the day ( 2-3 ) all from the same area code but changing constantly so unable to block. Numbers are from the area of XXXX, Missouri. Have told them " stop calling this number '' repeatedly. This has been going on for months. They rarely talk. It's often a hang up, but one of them finally identified the company as " Client Services Incorporated. '' Which is some kind of debt collector according to the web site, which means they potentially violating the Fair Debt Collection Practices Act.
Product: Debt collection

this company has accepted the social security number therefore acting as the trustee to the cestui qui trust  and has violated trust laws by committing 1. Malfeasance of Office & 2. Breach of a fiduciary duty to the trust. I as the beneficiary can not make any decision on the trust as it is the trustees job to do whats in the best interest of the beneficiary.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion did not investigate inaccurate account. 
Under the FCRA TransUnion must do a full investigation and remove unverified accounts. 

Unverified account : US DEPARTMENT OF EDUCATION
Product: Debt collection

I've been using Aidvantage since XX/XX/XXXX to try and pay back my loans. Their internet service has repeatedly accepted my payment, sent me confirmation, and then reversed my payment without cause. I'm afraid this will affect my credit and I am frustrated with the service I have received. I called customer service and was told by the agent that they did not know what the issue is and were unable to fix it. After researching this issue to look for a solution myself, I learned that this is a reoccurring issue that other Aidvantage users are also experiencing and yet there is no apparent solution. At this point, I'm just hoping that my loans get sold to someone else because I am so incredibly frustrated.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX and 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 report by more than seven years. 

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 or other personal consumer reports

I am writing to formally dispute the repossession and charge-off entry on my credit report, listed under XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ), I request an immediate investigation and removal of this item due to inaccurate or unverifiable reporting.
Product: Debt collection

Property company alledged debt of {$5600.00} that I have no idea of what that are talking about
Product: Debt collection

Account was Canceled by XXXX should not even be a debt collection available.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to reach out via attorney advocacy, attorney general, XXXX, ftc to no avail. My request are falling on death ears. This company is deliberate in the efforts to keep erroneous and fraudulent information on my credit report related to " apartment rental '' in which I have no knowledge of for the past 2 years. I have had the credit bureaus dispute this and EQUIFAX if the ONLY CREDIT BUREAUS listing these fraudulent debts as VERIFIED. When I asked for documentation to support their findings by way of FCRA 609 I have not recieved anything in the mail to support. I only recieved NO RESPONSE. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how toremove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION orhttps : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required toremove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blockingof the erroneous information which is being posted to my report. Here is the list of items that do not belong tome or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX : {$33000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX & XXXX Original creditor : XXXX  XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : AT XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX I, XXXX Original creditor : XXXX XXXX. XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) theCREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumeridentifies as information that resulted from alleged identity theft, not later than 4 business days after the date ofreceipt.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. XXXXm requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below : Mariner Finance # XXXX. After emailing the CEO of this company and requesting it they have denied sending it to me and are still reporting this account on my credit reports. Attached is the emails from me to the company. And a copy of the account on my credit reports. After checking my credit report this account states this was sold to XXXX since XXXX This account can not be reported as a charge off on my credit reports if the account was sold to another lender/collection. Please send the XXXX.
Product: Mortgage

They said that I received a letter and I did but I tried to faxed too many times The documents to them and this is proof of it so I need them to reply to release the funds as soon as possible before I will file a Lawsuit. They will have till Monday. Already started making repairs with my own money and that will cause to delay on payments to the mortgage..
Product: Credit reporting or other personal consumer reports

I had to shop for a car, an every dealer wanted to pick my credit XXXX! They picked me like XXXX times So i have all these old credit inquiries sitting on my report An no one seems to care 2 remove them 6 of them on XXXX alone are 1 year & 11 months old Now i dont know why they can't be removed after 6 months like some other do So i feel discriminated against by these shoty credit report companies because they have no issues dealing the damage but when they do not get the sale they dont care to remove them, so! I hear it can take up 2 two years none the less the damage has been done for 2 years, it destroys my chances of obtaining a couple of credit cards, so all i am looking for is someone with experience that is willing to make someone remove these hard picks off my credit, i know some folks there hard picks are gone in 2 months im going on 2 years so i am curious cause this is XXXX
Product: Debt collection

I have reached out to LVNV DBA Resurgent Capital three times in writing requesting Validation of Debt. They have not responded once. I have a thorough and detailed paper trail providing my extensive written efforts and their lack of abiding federal law and the Fair Debt Collection Practices Act. 
My original request is dated XX/XX/2021 My second request is dated XX/XX/2021, and my last attempt for Validation was XX/XX/2021 I have taken all legal steps to obtain validation and clarification of XXXX debts they are actively collecting but they have not once responded. 
I remain confused and have not been able to achieve a resolution. 
The debts they are reporting are not mine and they are not validating.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. After reviewing my credit record, I noticed several late payments. I sent letters over 30 days ago but have not received a response, and they have not provided satisfactory validation. I would appreciate your assistance in resolving this issue. Thank you.
Product: Vehicle loan or lease

I had a loan with US auto sales and Westlake portfolio took over and since they took over they trying to double up on my payments and charge more interest and they have my pay days messed up and wont fix it. Ive called them and tried to discuss issues and they say they cant do anything about it. I have never missed a payment with Us auto sales or Westlake and Westlake is trying to say I am behind and is trying to charge late fees.
Product: Mortgage

Dear Consumer Financial Protection Bureau Since I reported the matte r Ocwen has been trying to put m e in foreclosure after 14 years of service On  XXXX   XXXX  I learnt my payment came back I set via  XXXX   XXXX  and then called to resolve the next month payment by paying {$19.00} for automatic payment from the acount to start  XXXX   XXXX .  XXXX  and  XXXX  payment were never deducted as result I have been getting foreclosure letters. I have resolved by paying {$1100.00} through  XXXX   XXXX   XXXX   I know have a modification and need you to advice of a agent that can help borroers to lower my interest down.       Ocwen has Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; Charging borrowers unauthorized fees for default-related services ; Providing false or misleading information in response to consumer complaints.
. Ocwen failed to effectively assis  t, and in fact impeded, struggling homeowners trying to save their homes. This included : Failing to provide accurate information about loan modifications and other loss mitigation services ; Failing to properly process borrowers applications and calculate their eligibility for loan modifications ; Providing false or misleading reasons for denying loan modifications ;
Product: Credit card or prepaid card

Citibank switched over the credit card numbers from an old number to a new number due to security issues with their system. During this transition online payments were not possible. I called in to make a payment and was told that they could not accept a payment but when the card number transition was complete I could do so. But then Citibank  Charged  a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Product: Debt collection

I noticed that XXXX XXXX XXXX entered account # XXXX on all three credit report. I have never contracted with or borrowed any money from this company. 
I requested that the provide me with any copy of a purchase agreement contract and a contract bearing my signature since i have never done any business with them. 

After months of waiting they failed to provide me with any of the requested information, i further asked them to remove the item from my credit report and they have ignored all of my request and continue to cause harm and financial damage to me.
Product: Debt collection

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian : Account name : XXXX XXXX XXXX Account number : XXXX Account type : Collection Date opened : XX/XX/year> Balance : {$21000.00} XXXX : Account name : XXXX XXXX XXXX Account number : XXXX Account type : Collection Date opened : XX/XX/year> Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from XXXX XXXX XXXX showed up on my credit report for a delinquent amount of {$3600.00}. Opened two years ago. It just showed up a couple of weeks ago. I have never seen this account prior on my credit report. No account information identified , street address, name etc. I've never opened up an XXXX XXXX XXXX account before. I've always had an XXXX account. This account does not belong me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to request an investigation of the following information displayed on my credit report. In accordance to the fair credit reporting act the accounts below have violated my federally protected consumer rights to privacy and confidentiality : XXXX XXXX XXXX  XXXX. 
ACCOUNT # XXXX XXXX XXXX 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 report by more than seven years.

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: Consumer Loan

I financed a vehicle with Exeter Finance in XXXX 2015 alongside a cosigner. I financed it at at 14.7 which was slightly higher than my other vehicle was financed at. A couple months ago I ran into the issue of the cosigner taking off with the car which I know bear some fault on my own part but Exeter has been of no assistance in helping locate the cosigner to notify of lapse of insurance on the car. I also offered to pay the loan off in full if the car could be returned, or I would like to be released from the contract since technically both of these parties breached it. 
Then the other day as I was monitoring my credit I noticed how little had come off the principle. I knew from work that around {$320.00} should come of my principle with the {$410.00} payment. However the amount coming off was around {$190.00}. I was very upset as I read through my paperwork and kept seeing " annual interest rate '' but for some reason being charged a daily interest rate. I paid my other vehicle off and have another one ( since this one was taken ) and I have no issues whatsoever trying to guess what my interest portion of my payment will be. I am very upset and thought Exeter would be like other finance companies I have dealt with who did not hide their charges and understanding of the process.
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX : Account Number : 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 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 report by more than seven years.

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.