23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please be advised that our home payments increased to near triple of the monthly payments. Wife lost her job as she was XXXX   and could not work so we lost income. All the home in this newer community are for sale. We tried all options with the lender and were not able to get anywhere. We have a short sale package over the the lender and filed a complaint with midamerica to let them know their communication has been ZERO. The lender does NOT answer the phone they place you on hold over an hour and drop the call. We have tried to verify that the lender has all our short sale docs in review and we are not able to communicate with them. Over 3 weeks of calls and nothing at all. When a borrower is in distress we are in URGENT need to communicate about the status of our loan and the review of all options as a consumer. We need help to make sure the lender is contacted about getting this resolved NOW! as I am in a situation that is timely and needs attention right now. Thank you.
Product: Debt collection

XXXX XXXX XXXX has been recieving calls from XXXX XXXX XXXX claiming that he owes a debt that actually was never owed because one thing is his lawyer XXXX XXXX even called these people and they appeared to be very rude and could potentially violate FCRA. There has been some recordings saved of these messages .No action or paper work was sent to us for valid proof of debt that client management services claims he owes they said {$6000.00} but how because XXXX could not really do anything during chapter XXXX bankruptcy neither can he do anything during chapter XXXX which he is still in right now.
Product: Debt collection

Violations of the Fair Debt Collection Practices Act, 15 USC 1692c, Section 805 ( a ) ( 1 ) : Paramount Recovery recklessly calling as early as XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and learned that my personal information was used to open account # XXXX at XXXX XXXX, XXXX. I am an identity theft victim and filed a report with identitytheft.gov, filed a police report, sent a letter to XXXX XXXX Fraud Department, as well as all 3 credit bureaus. I included the NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA ( Refer to duties when ID Theft Occurs ) and according to the law 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] the CRA shall block the reporting of any information that resulted from an alleged identity theft and there should not be any damages on my credit reports according to 15 U.S.C. 1681.
Product: Debt collection

Forced to payoff my wife 's debts on my XXXX credit card. Debt turned over to a collection agency where a plan was established for them to debit my checking account on the XXXX of each month for {$750.00}. After XXXX or six months without missing a payment, I found I was n't going to have enough money to afford the XXXX XXXX payment. When the agency attempted the debit on XXXX XXXX, sure enough there were insufficient funds. My account was charged a {$35.00} ISF fee. Unbeknownst to me, they attempted another debit on XXXX/XXXX/15 with the same results - another {$35.00} ISF fee. I then made a phone call to Gatestone that same day requesting no more attempts to be made that month because of the ISF charges. " My '' account rep ( who is no doubt paid a commission on her collections ) got on the call and was being very pushy and incredulous that I could n't make the payment, asking if I had " any '' money. I told her the little money I had coming in over the next few days was to pay my XXXX rent. She then asked if I would have any left over. I told her no. She then lied by telling me that the payment due on XXXX XXXX was going to be " 30 days past due '' if I did n't make a payment by XXXX XXXX. Of course that was n't true. A payment due on XXXX XXXX is n't 30 days past due until XXXX XXXX. I challenged her on it. She did n't back down - continuing to lie about the payment being 30 days past due on XXXX XXXX, only six days after the due date of XXXX XXXX. 
On Monday morning, XXXX XXXX, my anticipated additional funds to pay rent with arrived into my checking account. Knowing I was expecting additional money coming in for those purposes, she re-debited my account immediately following the deposit of my funds for rent and grabbed her {$750.00} payment. 

I 've now giver her three days to return the money back into my account if somehow taking the money was a system mistake. She is aware of my circumstances and the purpose for that money because I had made it clear in our phone conversation. She obviously is abstaining from returning the money in conscious disregard to my higher need to pay rent. Unbelievable, especially on top of her knowingly lying to me about being 30 days past due to induce my action. Fraud.
Product: Checking or savings account

M & T Bank shut down account on line since Wednesday XX/XX/XXXX until now Friday XX/XX/XXXX and it is still off Line. Include also any phone numbers/
Product: Debt collection

Portfolio Recovery Accosiates added an account to my credit file and I have no idea what this account is. I know this account is not mine and must be removed ASAP. I pay my bills, and I do not owe any money to this company or their client. This is a fraudulent collection and must be removed. The following information is all I have on this account. Please remove. 

Account Number : XXXX Amount Owed : {$720.00} Date Opened : XXXX/XXXX/2014
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I contacted MOHELA. MOHELA told me that my student loan was forgiven as of XX/XX/2022. I made payments all through COVID-19. I based my retirement from government employment ( XXXX XXXX XXXX ) on having my student loan forgiven. Now MOHELA is stating that I owe {$1300.00} after they credited me and sent me a check in the amount of XXXX. I do not believe I owe any money on my loan and it should be forgiven as I was told. I even made payments through XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have found I have identity theft on my credit report sent in a re-dispute on XX/XX/24 Experian will not investigate they just close my dispute. FCRA doesn't state that you can't re-dispute, or a limit of disputes!! Please Experian dispute my fraud claim on my credit report
Product: Mortgage

21 mortgage is our loan company my daughter my husband and myself are on the loan. My husband passed in XXXX and I requested a loan modification and I was told they do not do loan modification we were given a loss mitigation for one payment XXXX $ and then loan went back up to XXXX a month I spoke with other lenders to refinance and they told me about the law that requires loan companies to do a loan modification when there is a loss of one party on the loan. I just need help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that they did not remove XXXX XXXX I, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Viewed the credit report and it shows that the XX/XX/2023 payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/2023. A payment is {$250.00} was paid on XX/XX/2023, at XXXX XXXX  confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/2023, at XXXX XXXX  confirmation number XXXX. Called XXXX and spoke to a supervisor at XXXX XXXX, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. They fixed the problem and reported it current and when I checked it today they changed it back 30 days late when it was not 30 days late. If this error does not get fixed I will get my lawyer involved. On XX/XX/XXXX, it showed correctly on my credit report now in XXXX its showing incorrectly.
Product: Credit card or prepaid card

I tried opening a claim on an unauthorized charge on my account with Avant credit card company back in XXXX of this year, apparently there was a mix up so I again opened and confirmed the unauthorized charge on XX/XX/2022. We're on XX/XX/2022 and I've received no information whatsoever costumer service have hung up the phone on me multiple times.I 'm being charged late fees and interest on a charge I never made. Today alone a supervisor was supposed to call me back and never did. This company is very unprofessional and has the worst costumer service I've ever dealt with.
Product: Student loan

I signed for a Parent Plus loan at XXXX XXXX in school years XXXX and XXXX for my son. Yet, Navient closed the Parent Plus account and gave me a Signature Loan? As a matter of fact, the activity page indicates Parent Plus, which, by the way, through no knowledge or permission from me, was consolidated at a XXXX balance. I do not understand why I would consolidate a Parent Plus loan at a lower interest in exchange for a Signature Loan at a higher interest rate. I signed for the Parent Plus loan in person in XXXX. Yet, Navient writes : Your cosigned loans ending in XXXX and XXXX have been Signature Student Loans since they were disbursed. Now Im referred to XXXX that do not have the cosigned loans listed. Im getting the run around. I want to take advantage of recent government student loan options before the deadline.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XX/XX/2018, I received alerts informing me that my XXXX credit score went down 73 points and XXXX credit score went down 43 points due to a balance increase. I contacted Great Lakes asking for additional information and I was advised that the loan is still current but the interest capitalizes each month which calculates in an increase in the balance. However, they do not have control on how the credit bureaus calcuate the scoring for credit reporting. I immediately contacted XXXX and was advised that the loan is showing it showing deliquent status ( although I am showing it was current during the time of the 73 point reduction and to current date ). I proceeded with a despute and recently received a letter containing my credit report, no other information was provided showing the reduction in points. I would like each major credit reporting agency to actively research this information and make the necessary adjustments to the errors reported, effective XX/XX/2018.
Product: Checking or savings account

I have been a customer with chase for almost 10 years. I rarely have them refund fees or give them issues. Its been maybe 2 or 3 times in my close to 10 years with chase. I had a XXXX XXXX account since XXXX and never had any fees. I just recently started getting XXXX $ Fees ( 3 ). They pleaded that all they can reverse is 1 monthly service fee. This is absurd!! Ive been loyal and they wont reverse any more fees. We are in the middle of a pandemic its hard to stay afloat with these gas prices and Im currently a XXXX  XXXX. They cant help a loyal customer!? This is the worst experience Ive had. And to say the least I went to the bank and it was closed I shouldnt be punished with an extra XXXX $ because they were closed. 

1st fee : XX/XX/XXXX 2nd fee : XX/XX/XXXX 3rd fee : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX  and was advised this account was opened in my name in 2016. Not only that this account was fraud but the credit bureaus is reporting wrong opened date. I will sue the credit bureaus if they don't remove this account
Product: Checking or savings account

XX/XX/year> Unauthorized wire transfer of {$25000.00} from my XXXX ( XXXX ) & my savings acct at Wellsfargo to XXXX XXXXXXXX XXXX XXXXXX/XX/year> We notified Wellsfargo that evening that this was not authorized XX/XX/year> Wellsfargo provided case No. & stated our funds were pending & safe XX/XX/year> As advised by Wellsfargo, XXXX & I met in person at Wellsfargo Bank in XXXX, XXXX to continue reporting this & secure our banking accounts for further fraudulant activity. We closed all our accounts & secured new accounts XX/XX/year> XXXX & myself met in person with XXXX XXXXXXXX XXXX to report this unauthorized wire transfer from one of their clients XX/XX/year> XXXX & myself received Wellsfargo letter of refusal to reimburse our savings account funds of {$25000.00}. Subject : Resolution of online wire inquiry for Savings Acct. 
XX/XX/year> XXXX & I filed a police report as advised by Wellsfargo Bank in XXXX. We filed that report in person at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Hand carried bank statement to the Sheriff 's Dept as requested by the Officer XX/XX/year> XXXX XXXX myself filed dispute letter to Wellsfargo to recover unauthorized funds of {$25000.00} XX/XX/year> Received denial letter from Wellsfargo to reimburse our funds
Product: Credit reporting, credit repair services, or other personal consumer reports

The Free XXXX XXXX XXXX  order telephone number ( XXXX ) should have a record of my call to order my free credit report from all three agencies on XX/XX/XXXX. Although XXXX  and XXXX  did send me my credit reports with that date, TransUnion did not. Instead of sending me my free annual credit report in compliance with federal law, TransUnion sent me a letter dated XX/XX/XXXX ; that falsely claims that their records show that they have already provided me my free credit report within the past year. My records and the XXXX, telephone number records show that my last order for a TransUnion credit report was on XX/XX/XXXX ; and they sent me my free annual credit report printed on XX/XX/XXXX. XXXX promised to mail me my credit report during my phone call to TransUnion 's telephone number at XXXX XXXX XXXX XXXX to resolve this issue with the company on XX/XX/XXXX. Unfortunately, TransUnion never sent me my free annual credit report. If TransUnion claims that my access to their credit report was made through the internet, please have them permanently shut off internet access to identity thieves who fraudulently order my free annual credit report. Please force TransUnion to immediately send me my free annual credit report in compliance with federal law. 

Please also issue a rule that credit agencies may not claim to have already sent a free annual credit report if the Free XXXX XXXX XXXX order telephone number ( XXXX ) shows an order date more than one year old. Perhaps credit agencies send the letter falsely claiming to have already provided a free report to fraudulently charge consumers money for a credit report in violation of federal law that says it should be free.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo owes me money for their abuse of their mismanage money
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to TransUnion LLC on XX/XX/2019 disputing incorrect reporting about XXXX XXXX account. TransUnion then requested Proof of Address. I returned 2 forms of document showing proof of Address my driver license and a utility bill. 
On XX/XX/2019 TransUnion mailed a letter Re : Proof of Address Unacceptable-Reason # 3 ( documents provided was not a qualifying document. I am requesting help to correct this matter because TransUnion is trying to discourage me from disputing my credit report entries due to their mistake by not accepting my proof of Address. 
I also sent XXXX the same letter onXX/XX/2019 about incorrect information about my account but XXXX never responded and over 30 days have passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, credit repair services, or other personal consumer reports

Under FCRA to note consumer statement requirement. 


Equifax in reporting to my credit file to note my consumer statement and dispute against XXXX  Card  Servicer to XXXX XXXX  XXXX, XXXX, accounts numbers XXXX and XXXX, for violating Federal Laws : 15 U.S.C. 1642, 15 U.S.C. 1637 ( a ), 15 U.S.C. 1637 ( b ) and Hide the Securitization Requirements.
Product: Credit card or prepaid card

This complaint is related to my previous complaint against TD Bank. The card accepted charges of XXXX XXXX XXXX, XXXX XXXX although those services were terminated on XX/XX/2022. I systematically disputed those charges and even stopped to use that card. Eventually we agreed that the charges would be removed, and a new card would be issued. When I received that new card and used it once but was shocked to get " previous charges of {$280.00}, Late payment fee of {$29.00} and Interest charge of {$5.00}.
Product: Debt collection

Ad Astra recovery services handles XXXX XXXX loans, that I have a loan with. A XXXX XXXX with Ad Astra recovery services, left a voice mail on my cell phone, stating his name, not his company and he stated " I have been served '' After he contacted me he called my place of employment, XXXX XXXX XXXX, and wanted to speak with my supervisor, my supervisor was not available so he spoke with another supervisor but not mine. XXXX XXXX told this supervisor, not any company he was with, but stated I have a package to deliver to XXXX XXXX. This supervisor with my place of employment, contacted security about this, because, they thought this might be a case of XXXX against me or the XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found inaccuracies in my personal information that must be corrected. Specifically, I am requesting the removal of inaccurate addresses that do not match my current address also my accurate employer is XXXX XXXX XXXX XXXX, please update inaccurate employer information in my credit report. These discrepancies are misleading and detrimental to my credit status, as they may hinder my ability to obtain credit, cause delays in important financial matters, and create unnecessary confusion. Furthermore, these errors contribute to undue stress and anxiety, directly affecting my overall health and economic well-being. Accurate reporting is essential to maintaining my credit life and ensuring that I am not unfairly disadvantaged due to errors beyond my control.
Product: Debt collection

I was a victim of identity theft and noticed a collection from Central Financial Control I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Central FInancial Control in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

My account with 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 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 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 or other personal consumer reports

Per my previous case XXXX XXXX. The creditor stated that this account was last reported on XX/XX/XXXX. That statement is incorrect all three Consumer Credit reporting agencies are currently reporting this account, with different statuses and balance updates for XX/XX/XXXX and XX/XX/XXXX. So the letter that was submitted to CFPB in XX/XX/XXXX was fraudulent with regards to how the creditor was reporting this account. 
In XX/XX/XXXX, a 1099-C was issued to this account. A 1099-C is considered income per the IRS and will need to be filed as income for my taxes. 
Income is not reported as credit to the consumer credit reporting agencies. Also the creditor sold my information to a third-party debt collector that debt collector was demanding payment for more than double the amount originally owed this situation was resolved in my previous case mention above. 
Also stated in the letter by the creditor that any payment you choose to send is voluntary and or nonrefundable. There are no payments due to the creditor due to the 1099-C this creditor has already received credit per the IRS for this account.