23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/24 XXXXXXXX XXXX XXXX XXXXXX/XX/24 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

-I had begun correspondence with PennyMac back in XXXX of XXXX and was working on a loan modification. I was informed by the PennyMac investigation when speaking with him back in XX/XX/XXXX that while the loan modification was being processed that this should have ceased the foreclosure process. 

-Throughout the correspondence that I was maintaining with PennyMac , I would constantly confirm receipt of items they requested for the modification process to be told that they had received them, just to be notified a couple days later that they didnt get them or they needed something else.

-The initial time that my family and I went on any kind of modification plan was back in XXXX, for when I was out of work with XXXX and then again on XXXX, when my wifes XXXX  closed due to XXXX. 

-We never received ANY notification via postage or email stating that our application for modification had been denied. Even upon speaking to PennyMac employees when I was following up to see where we were with the application, I would be told that it appeared that the documents were still being reviewed by the underwriters. On a couple occasions, I even had staff members state that sometimes the papers will get lost. 

-During this entire process, stating that XXXXnnyMac was attempting to contact me, I had to resubmit authorization letters for PennyMac to speak to my wife, even though her name is on the deed/mortgage. They claimed that they had never received anything giving her authority to speak on my behalf. 

-I spoke with Loss Mitigation on XX/XX/XXXX and was informed that the profit/loss statement for my wifes business was the final document needed, prior to the modification paperwork to go to the underwriters. 

-I will be attaching SEVERAL screenshots to support the argument that my wife and i are presenting in regards to the rebuttal and claims made by XXXX XXXX XXXX XXXX 

*The phone record screenshots have several different points were I made contact with PennyMac or Vice Versa, so I dont understand how they claim that they were unsuccessful in reaching me. Those numbers are the 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 XXXXXXXX Account Number : XXXX Account Name : 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentialityunder 15 USC 1681. 

XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # 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. 

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 bymore than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) Per escrow analysis from mortgage company Mr Cooper, making an additional payment of {$2800.00} would put my monthly  payment at {$2000.00}, and in XX/XX/XXXX I mailed check # XXXX to Mr Cooper and wrote " escrow shortage '' on it. Therefore my monthly payment changed the following month ( XXXX ). Up to now I have no idea what happened to the additional escrow payment as Mr Cooper continues bill me as if the escrow shortage was not paid for. I have made numerous calls to no avail. I have spoken to Ms XXXX on XX/XX/XXXX, to XXXX XXXX on XXXX, to XXXX  on XXXX and everyone confirms having received the escrow payment, and said the matter would be resolved once they send a note to the Escrow department, but it remains unresolved seven months later. 

2 ) For the past 10 years, my monthly payments have always been timely. However, on my credit report ( XX/XX/XXXX ) my mortgage payments have been late 30-59 days as reported by Mr Cooper for which my XXXX  credit score has taken a plunge from XXXX to XXXX. This needs to be resolved at once. Calling Mr Cooper has been nothing but a waste of time, and energy. It's very frustrating.
Product: Credit card or prepaid card

This is for the Citi AAdvantage Platinum Select Card. 

XX/XX/2020 -- Called to close account. No balance owed. 

XX/XX/2020 -- Receive 1st statement in mail saying I now owed a balance of {$99.00} for card 's annual fee. Called and spoke to a XXXX in Arizona, who confirmed that my {$99.00} balance would be XXXX  out. However, due to Citi switching cards over to a new system, they would not be able to prevent a new card from being mailed to me and couldn't complete the task of closing my account. She said there would be a follow-up call. Never received a call. 

XX/XX/2020 -- Receive 2nd statement saying I owe {$99.00}. Called and waited for 2 hours to talk to XXXX, who said my account was permanently closed and that the {$99.00} would be credited back to my account. 

XX/XX/2020 -- Receive 3rd statement saying I owe {$99.00} by XX/XX/2020. 

XX/XX/2020 -- Submit this complaint due to Citi not closing my account and trying to fraudulently charge me {$99.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is on my credit twice as a current, no missed payments, good standing account, then later another XXXX XXXX acct was added as delinquent. I asked XXXX XXXX what was going on they said they dont have that acct on my credit file and it doesnt belong to me and to dispute it with the bureaus. Experian marked the account as verified when even the company said it didnt belong to me. They couldnt have verified this accurately. I also asked for proof baring my signature binding a contract between us. They havent shown me any paperwork.
Product: Mortgage

I refinanced my loan with XXXX in XX/XX/2020. Since then, I have paid additional amount to gradually reduce my principles. However the balance does not fully reflect all the money I have paid. I tried to contact the service co. ( BSI Financial ) but nobody can be reached. 

I would like to have a full history of my long balance changes.
Product: Vehicle loan or lease

I am filing this complaint regarding the involuntary repossession of my vehicle by Santander Consumer USA in XXXX of XXXX. I believe that the repossession and subsequent sale of the vehicle were conducted in violation of Alabama law pursuant to Code of Alabama 7-9A-611 and the federal Fair Debt Collection Practices Act pursuant to 15 U.S. Code 1692e and 15 U.S. Code 1692f, as I did not receive any of the required notices before or after the repossession. Specifically : 1. I did not receive any communication outlining my right to redeem the vehicle by paying off the balance before it was sold.

2. I was not notified of the intent to sell, nor the date and location of the sale of my vehicle.

3. I was not notified when my vehicle was sold, nor provided with any documentation regarding the sale price or any deficiency balance.

After the vehicle was sold, Santander Consumer USA did not provide any notices regarding a deficiency balance. I found out about the alleged deficiency balance of {$5900.00} after Santander Consumer USA reported it to the three major credit bureaus. Given that I was not informed about my rights or given the opportunity to redeem my vehicle, I believe that the creditor failed to follow the proper legal procedure. This lack of notice has not only caused significant financial distress but has also damaged my credit score due to the repossession tradeline that was reported to credit bureaus.
Product: Debt collection

1. I emailed Receivable Management Services ( RMS ) in early XXXX disputing the debt of {$570.00} from XXXX XXXX ( Account # XXXX ) and received an email back saying that RMS would investigate 2. I received a letter in the mail from RMS stating that they validated the debt and they provided me with a copy of my alleged Final Bill from XXXX XXXX. 

3. Prior to RMS 's " investigation '' I contacted XXXX XXXX about this debt which was erroneously billed. I got into a car accident on XX/XX/XXXX and had no car after this accident because the car was deemed a total loss. My policy number was XXXX. 

4. XXXX XXXX ERRONEOUSLY kept billing me in late XXXX and early XXXX which resulted in charges of {$570.00}. 

5. I have contacted XXXX XXXX supervisors and they agreed that I should NOT have been billed and they even emailed me an updated policy cancellation letter. 

6. If you take a look at the Final Bill letter from XXXX it is dated XX/XX/XXXX. This Final Bill is old and does NOT reflect the changes that were made by XXXX XXXX to remove these erroneous charges. 

7. Per XXXX XXXX policy number XXXX was retroactively canceled effective XX/XX/XXXX. This would mean that I DO NOT OWE them a balance. How would I be billed insurance when the policy was canceled and I had no car? 

I am asking that your company please conduct a proper investigation as RMS has failed to do so.
Product: Student loan

My loans are now being serviced by AidVantage. I received a letter stating that my IDR payment was rescheduled and my first payment is due in XXXX. This letter shows interest was capitalized. I also received a letter stating that my consolidation loans are on a deferment. 

During the COVID forbearance, federal servicers are not to capitalize interest. Why did Aidvantage 1 ) redisclose my IDR? I did not recertify my payment or ask for my payment to be recalculated. Why was my interest capped? Why am I on a school deferment instead of the COVID forb. With the COVID forb, months during this time go toward IDR and PSLF payments. By placing me on a school deferment, AidVantage is cheating me of IDR and PSLF payments.
Product: Mortgage

I have a mortgage with Wells Fargo Home Mortgage ( WFHM ) and I suspect a fraudulent attempt by WFHM to  place forced insurance on my property. Here is the timeline of events : XX/XX/2018 : WFHM advises they need to see proof of my condominium flood insurance policy. ( Letter # 1 ) XX/XX/2018 : WFHM advises they plan to purchase insurance unless proof of flood insurance is received. ( Letter # 2 ) XX/XX/2018 : I upload the requested certificate of insurance to their website, XXXX. 
XX/XX/2018 : WFHM sends a " Second and Final Notice '' ( Letter # 3 ) XX/XX/2018 : I speak with XXXX XXXX at WFHM. I also fax a copy of my condo association 's flood insurance certificate of insurance. Mr. XXXX assures me that he received the faxed documents and will update WFHM 's system. 
Around the same time, I receive a letter dated XX/XX/2018 ( Letter # 4 ) that advises that the temporary flood coverage WFHM had placed had been cancelled and that I was not charged. 
XX/XX/2018 : WFHM sends Letter # 5 advising they need to see proof of current flood insurance, yet again. 
XX/XX/2018 : I fax the documents again. I speak to no less than 4 representatives at WFHM, one who hung up on me. I was assured that I would receive a confirmation letter that WFHM had received the proof of flood insurance coverage and that no forced insurance will be placed. 
XX/XX/2018 : WFHM sends Letter # 6 which advises that " We've paid the premium for new insurance policy '' and that " we didn't anticipate paying for a new insurance policy. This could cause a shortage in [ my ] escrow account. '' The letter goes on to advise that I should contact the other carrier to cancel the insurance policy and obtain a refund. ( I can not unilaterally cancel my master condo flood insurance. ) XX/XX/2018 : I speak with yet another WFHM representative who advises that the letter was an incorrect letter and that no forced insurance was placed on my account. I request written confirmation. My matter had been escalated to the " executive office '' resolution team.

I do not care whether this is just merely incompetence or an attempt by WFHM to earn fraudulent fees and premiums. This is nothing short of harassment.
Product: Credit reporting or other personal consumer reports

I have contacted each credit bureau ( XXXX, XXXX, and XXXX ) in reference to the three accounts that are listed on my credit report from Department of Education. My credit report from all three bureaus are reporting lates for XXXX, XXXX, XXXX, and XXXX of XXXX. I have disputed with each bureau stating the information is inaccurate.Today, XX/XX/XXXX, I call the number to XXXX XXXX XXXX listed on my credit report. I spoke with a representative that stated, the number on my credit report is the true furnisher which is XXXX. XXXX XXXX servicer reports to XXXX XXXX XXXX in turns reports to the credit bureau. The young lady stated she is a customer service rep from XXXX XXXX XXXX. She explained the accounts that are reporting on my credit report are : ( 1 ) Dept of Education in the amount of {$1900.00}, ( 2 ) Dept of Education in the amount of {$3600.00}, ( XXXX XXXX Dept of Education in the amount of {$5100.00} are all under one account and the furnisher again is not Dept of Education, but is XXXX. For the purpose of accounts for the consumer it is listed as separate accounts on the credit report. The representative stated, there is NO reporting of any notes on the account that reference anyone calling from either credit bureau to verify information on these accounts. Also, the representative from XXXX advised " if on your credit report is reporting from each bureau stating the furnisher has verify information you reported is accurate, this is false information. This can not be true because looking at your account, there is no data information, no files, or documents for XXXX ; therefore, neither one of the credit bureau could have verified the lates. '' According to 15 U.S. Code 1692g ( a ) in the section of the Fair Debt Collection Practices Act ( FDCPA ), Dept of Education was not able to validate any documents for the student loan account in XXXX. This is questionable as to why XXXX, TransUnion, and XXXX would state under their investigation that the information disputed has been verified as accurate when there is not documents/files to verify for XXXX? This is a violation as the investigation was not done thoroughly but by an auto system that uses software to gather information. This is defamation of character and a violation of the Fair Credit Reporting ACT. Again, XXXX, TransUnion and XXXX have violated 15 U.S. Code 1681i ( a ) ( 5 ) : which this part of the FCRA specifies that if, after an investigation, the information is found to be inaccurate or can not be verified, it must be deleted from the credit report.
Product: Debt collection

I received a phone call from Spring Oaks Capital Oaks Capital late XX/XX/XXXX. I requested communication through mail. I received a collection letter XXXX {$8600.00} XXXX dated XX/XX/XXXX on XX/XX/XXXX. The letter stated that I had 30 days to dispute the debt. I responded via XXXX on XX/XX/XXXX, disputing the debt and requested debt validation. Spring Oaks ignored my request and reported the collection to the credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am filing this letter because I am a victim of identity theft and have not made the changes on this date XXXX. There are FRAUDULENT ACCOUNTS AND INQUIRIES ON MY ACCOUNT AND I NEED THEM DELETED IMMEDIATELY. I have made my identity theft report to the federal trade commission, CFPB, and XXXX All of the following accounts listed under are fraudulent and going against my CONSUMER RIGHTS BY VIOLATING MY PRIVACY TO MULTIPLE COLLECTION COMPANIES. PLEASE DELETE THIS MISLEADING INFORMATION ASAP!
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Citi after getting a promotional offer in the mail. The offer was either for 16.25 or 16.99 and up to 24 or 25 percent. I asked the gentlemen on the phone many questions about the card but the first and foremost question was about the rate I would receive on the card. He assured me 16.99 % would be my rate, and I was still surprised because I still don't have any other credit card at that high of a rate. ( I have or had very good credit ) After this conversation he played me a recorded message from which I would listen and agree to the terms. I assure you that no where in that recording was there anything saying that my terms would be over 20 %, much less 23.74 %. 
When I called them and reported that I found my interest rate in the middle of the 3rd page of my bill, that it was 7 percentage points over what I had agreed to, and that I would not activate this card, they told me that they would " investigate '' what had happened. 
My concern is that this card will eventually get cancelled by Citi for non-use, and that for whatever ridiculous reason, that severely impacts my credit score. I know this because just this year I had 2 credit cards I refused to use get cancelled on me, not knowing that ... .Even Though I Was Never Late With a Payment, and I Owed Nothing On Their Cards ... .my score was brutally beaten down over 100 credit rating points. It nearly affected an apartment I was trying to get, and it will affect so much more in my life!!! Even though my credit rating should be very very good, if not near perfection. 
I called Citi 9 days later because I received another email from them to " activate '' my card. I repeated why I would not and that all I want is for Citi to close this account without hurting my credit, or ... .give me the rate I was promised on the phone. 
I asked for them to heighten my case and then spoke with a " supervisor '', and was offered a compromise rate at 20 %. I said no, and that if I didn't hear anything better from their " investigation '', I would have to report their practices to my State 's Attorney General. From them I received the CFPB address. 
To date, I have received nothing from Citi, until yesterday when I received another email, this time that Citi has " auto-enrolled me to receive upcoming payment alerts ''. 
Please help me. Citi is trying to railroad me into a bogus credit card agreement with a " Bait and Switch '' scheme over the phone. 
To my knowledge, " Bait and Switch '' has long been illegal. Please help me and please stop Citi from hurting my credit along with other unwary consumers. 
Thank You for any help you can provide. 
Sincerely, Xxxxx Xxxxxxx
Product: Credit card or prepaid card

I get emails from : Bank of America XXXX XXXX XXXX XXXX claiming my recent statement is available. I have never been on unemployment and was on disability briefly in 2016. I can't even access it because the card I previously had has long since expired. When I called trying to verify there was no fraud happening, they said I could request another card. Bank of America is defrauding the state. There is absolutely no reason for an inactive account to continue to get emails and statements and why on earth would I want them to send a card with a zero-balance other than they can bill the state. They told me I had to call XXXX, but you can't get through. I was told it would stop and it has not. Every time I get a new email I think there has been some type of activity and someone is using my information fraudulently.
Product: Vehicle loan or lease

I have no knowledge of this account, I did not open this account nor did I allow anyone to open this account in my name, I have been a victim of identity theft sinceXX/XX/XXXXthis account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I receive a letter from Barclays in the mail regarding a credit card application is open. I did not apply for a credit card call Frontier Airlines Credit Card. The consumer reporting agency as XXXX. 

Daye XX/XX/20 Application # XXXX
Product: Debt collection

I have an account showing on my credit report with XXXX. I call XXXX and was told they sold my account to Jefferson Capital Systems , LLC, located in XXXX MN XXXX. Jefferson is not the one reporting this account on my credit report however they are the ones that have this debt in their possession. Unless you have limitless amounts of time to sit on hold you get no answer to the phone calls. I have called XXXX times today alone and sat on hold for over a half hour. I have tried to call during CST time as I am in the same time zone. called them at XXXX in the afternoon and their office was closed. 
I would like to get my debt paid and off my credit report however I have no way of getting it. Website they provide does n't have any contact information other than the email address which they stated they will not provide me with information. 

How does a consumer pay off their debt when they make it impossible to get the statement to do so? 

I have to take time off of work to call these folks and try and get some sort of resolution I want to get this debt paid.