23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The problem began last year when our mortgage payment was raised twice The interest rate and the escrow ( sometimes expected ) increases put the mortgage payment to go over {$600.00} per month. That is almost half of what my Social Security benefit is, and I have other financial obligations to cover. I was splitting up the payments paying about half around the due date and the other half later. The problem with that is they will not acknowledge any amount to the account until a full payment is received. Which means it is not credited to the account. Sometimes I have had a check returned to me and redeposited into my account, sometimes because the check was said to be expired?? But I promptly had my financial institution mail them another check. After earlier trouble with the checks, I changed the address from a XXXX XXXX XXXX the physicial address because my financial institution preferred not to have checks sent to a XXXX XXXX XXXX Even though the checks take longer to be received, I prefer them as compared to an online or phone payment, due to the extra charges. I once maiden an online payment and was not only charged a fee from the mortgage holder but also was charged a fee from a third party totaling {$27.00}. I filed to get a home retention assistance program and tried to meet the requirements, but by of having to split the payments up and the time the checks took, they stated that I had broken the terms of the agreement and the offer was descended. I have tried to explain my financial situation to them several times, yet they will not listen or cooperate. Also in the past when they obtained our mortgage from a local bank they put the loan amount at what the loan was originally set for and have done this XXXX other time during the loan.This made the loan like we had never paid on it, not showing any progress on my part toward the debt. Like all we had paid was nothing.
Product: Credit card

Hard inquiries ( XXXX inquiries ) listed below is over XXXX years old and still reporting on credit report and affecting my current XXXX  score. Please remove the followings : XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had XXXX credit card with annual fee {$99.00} per year. I never used the card almost whole year. In XX/XX/2021 I received an email from them that {$99.00} annual fee is due. I called them to cancel the card and requested them to remove the fees. They cancelled the card. Next week I received the email that {$99.00} is due. I called them again. They told me that I was one day late and I have to pay {$99.00} and they will not remove this fees. I asked them why did not you told me when I called to cancel the card. There was no answer. I told them I will not pay {$99.00} when I am not using this card and card has been cancelled. 

Now I am receiving regular emails from them to pay {$99.00} for a card which is cancelled.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX, XXXX XXXX Balance Owed : {$830.00} ; XXXX XXXX Balance Owed : {$13000.00} ; DPT EDXXXX XXXX Balance Owed : {$350.00} ; DPT ED/XXXX XXXX Balance Owed : {$3700.00} ; DPT ED/XXXX XXXX Balance Owed : {$2500.00} ; DPT EDXXXX XXXX Balance Owed : {$3700.00} ; DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPT ED/XXXX XXXX Balance Owed : {$2000.00} ; DPT EDXXXX XXXX Balance Owed : {$2700.00} ; DPT EDXXXX XXXX Balance Owed : {$1200.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXX XXXX Balance Owed : {$73.00} ; DPT EDXXXX XXXX Balance Owed : {$2900.00} ; DPT EDXXXX XXXX Balance Owed : {$1500.00} ; DPT EDXXXX XXXX Balance Owed : {$440.00} ; DPT ED/XXXX XXXX Balance Owed : {$2200.00} ; DPT EDXXXX XXXX Balance Owed : {$1200.00}.
Product: Credit card

On XX/XX/XXXX i applied for a credit card. At XXXX in applied for an extension of credit from principals account and was denied. I called in after recieving my denial letter. I spoke with XXXX a supervisor inn the credit card dept. at XXXX central on XXXX XXXX concerning my counter offer. I stated I AM coming forth in good faith to excercise all rights by informing XXXX that i am over the age of 18 and do have compacity to contract and I and will perform on all contractual obligations concerning this account. I gave Navy Federal vaulable consderation and i did not recieve any goods in return. This is case of security fraud denying me credits that i have a right to by law as i do have power of authority as a registered owner representative of the Principal.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Equifax gave XXXX XXXX my credit score of XXXX. In a letter dated XXXX XXXX notified me that they were increasing the interest rate on my credit card and if I chose to dispute it with them they would cancel my card. XXXX suggested I take the matter up with Equifax thus on XXXX XXXX I phoned Equifax and was told my score was XXXX.In a letter dated XX/XX/XXXX I asked Equifax to explain the situation and along with the letter I enclosed the Research Request Form that was attached to the credit report Equifax mailed to me. The form had my name, address, social security number and date of birth. In a letter dated XX/XX/XXXX Equifax informed me they could not find my account and it would be necessary for me to send them copies of an exorbitant amount of documents. In my letter dated XXXX XXXX I enclosed pages # 1,2 & 4 of my Equifax credit report. I did not want to go to XXXX and pay to make copies of everything they requested. In a letter dated XXXX XXXX once again Equifax said they could not find my account and made another request for what I consider to be an exorbitant number of documents. I find this to be unreasonable. Why cant they find my account using a copy of pages from my Equifax Credit Report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX XXXX  XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, PORTFOLIO RECOVERY added a Derogatory Mark on my credit report per XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, PORTFOLIO RECOVERY has violated my rights as a consumer an I'm requesting legal action to remove this account immediately.
Product: Checking or savings account

Hello back in XXXX I lost my debit card and someone used at XXXX XXXX for XXXX XXXX Im banking with prosperity bank and we get fraud alert text and I did get it at the time or after this transaction and I reply NO but my bank still released the money from my account without my permission. So since then Im contacting to bank and costumer service about my money and nothing yet. The send me to local police station for police report, I did everything what the ask for and then the say your detective say the cant not investigate this because that was in XXXX are so go to XXXX. Ok I did go there and the say because you resident of XXXX you need to go back there. Long story short the keep pushing me back and forth with no results. I was pregnant that time with my third baby and I was saving this money for bills and needs but now money is gone and bank not doing anything to get my money back. I did not authorize that transaction and the know it but still nothing. Please step in and help me to get my money back. For any questions or any documents please email me or call me. Hope to get help from you guys.
Product: Debt collection

XXXX XXXX XXXX I paid what I owed to XXXX XXXX XXXX.
I paid online and the debt issued on my account is what was paid with my credit card which I have provided my bank statement of what I was charged to pay for the 7 days after the first of the month. 

There was no mail or call or via-email received. They have my forwarding address. 

This is unclear as to what else I owe. 

Please help me clarify why am I receiving this notice. 

Thank you kindly, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online pre-qualification request to XXXX XXXX XXXX on XX/XX/2020. I specifically ensured I was doing the form for a pre-qualification as I didnt want a hard inquiry on my credit report as Im in the process of building my credit and have done my best in the past year or so to avoid unnecessary hard inquiries. XXXX XXXX then proceeded to process my pre-qualification as an actual application for credit and created a hard inquiry on my Equifax report that lowered my credit score. After contacting both XXXX XXXX and Equifax, both are pointing the finger at each other and neither believes they can fix the issue which is simply a supposed to be soft inquiry gone awry.
Product: Debt collection

I got a letter from XXXX XXXX in The state of XXXX. Who bought my old credit card debt from XXXX XXXX . The debt is not even on my credit report anymore. They said I owe over {$5000.00} and want me to pay the whole amount or will do a judgement against me. The debt I did have with XXXX XXXX but the debt is 9 years or older.
Product: Mortgage

We pay our mortgage to MR. Cooper is timely since we own our home. Our funds are in escrow to pay our insurance. We received an email from MR. Cooper, on XX/XX/year>, our insurance was paid ; we got an email from XXXX XXXX agent on XX/XX/year> that our insurance policy was canceled. We call MR. Cooper on Friday to resolve it, only to get the runaround. We are facing a Cat 3-4 Hurricane, and our home has no insurance because MR. Cooper fails to pay it in a timely.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX continued to call me and eventually caused me to loose two days work. I told them my debt with XXXX XXXX was paid. They continued to XXXX my phone. Many times multiple calls in one day.
Product: Credit card or prepaid card

I have several cards with Comenity, but my hot topic card recently had the credit limit DECREASED without notice except my alert from the credit bureau!! When I called in today they said it was due to some thing that was reported on my credit report, and my guess it was probably the charge-offs from affirm which I disputed, and they were successfully taken off!! comenity Bank said they mailed me a letter on XX/XX/XXXX which I never received!! my credit score has actually increase since XX/XX/XXXX! And technically this is causing my credit score to decrease!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ill check my credit report and noticed some hard inquiries on my credit report I didnt approve XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sure that adherence to the mandatory reporting standards is crucial for credit rating agencies, and I am confident you will make it happen. In order to substantiate any allegations made against me and to comply with the reporting requirements laid down in 15 U.S.C. 1681e and XXXX CFR Part XXXX Regulation V, I request that you provide me with physical evidence. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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

My name is XXXX XXXX and I am extremely frustrated that I was not able to process a dispute with Transunion, which was received by them on XX/XX/2015 via certified mail return receipt requested. I simply received a heavily worded letter from them denying me an investigation, claiming that my verification provided was not sufficient. I am afraid that they are stalling me and deliberately ignoring my request for an investigation into an expunged civil claim. 
I had provived vey sufficient and actually excessive amount of verification and they claim that I am not who I am and therefore they will not process anything from until i forfeit more proof or documentation. 
First I would like to clarify that I have ALEADY provided them with1. Drivers License and State Identification2. My Social Security number and a copy of my SSCard3. A certified Letter costing me over {$7.00}! 
4. A signed letter from My address and residence. 

They are violating me and pushing me around by requested personal information and documentation that is overly suspspcious and not safe to send via mail. I have had cases of IDENTIFTY Theft and ban fraud committed against me and I am very weary of sending anything above and beyond expected. 
I think that my documentation was extremely sufficient and in actuality this company is avoiding me, hurting me, and accusing me of not being me. They are using such tactics a lot against consumers an that is not fair. Who else would I be? How dare they deny me after EVERYTHING I supplied on my behalf. They are being very sneaky and un productive and clearly they are choosing to ignore my issue. 

I sent this letter via certified mail and they received it on XX/XX/2015- Transunion has until XX/XX/2015 to delete this invalid Public Record Item from my credit Report or I will Purseu Litigation against them in the small claims court. I ahv XXXX consulted with an attorney at their mishandling of my dispute an their refusal to acknowledge perfectly sufficient and perfectly legible verification documents. 

I wonder what you have done with my information. Have you shredded it or kept it in archive? Because if you claim that i have not provided enough proof then I am certain you have mishandled my letter and my documents. If you can not produce these items in a court of law It will be very obvious to me who is lying here.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Correction of Personal Information in Credit Report To Whom It May Concern : I was reviewing my credit report and found several inaccuracies in my personal information, including addresses, name variations, and employment history. I kindly request your assistance in correcting these errors. I have attached documentation providing proof of my current address and correct name as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses currently appearing in my report that I would like to be removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX only correct address that should appear in my report is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX 

Additionally, I noticed that my name appears to be misspelled in my credit report. My name has only one correct spelling, and there should be no variations listed. To confirm the correct spelling, I have attached a copy of my photo ID. 

Here are the incorrect spellings currently listed in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also request the removal of the following incorrect employers : XXXX XXXX XXXX XXXX  The only employer that should be listed is : XXXX XXXX XXXX XXXX. 

These inaccuracies are causing difficulties for me in maintaining an accurate credit report and moving forward with my legal processes. Therefore, I kindly request that you remove the incorrect names, addresses, and employers from my credit report and update it accordingly. 

Once the necessary corrections have been made, please send me a copy of my updated credit report for my records. 

Thank you for your prompt attention to this matter. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address
Product: Credit reporting, credit repair services, or other personal consumer reports

i writing to delete the follwing imformation in my file. the items i need deleted are listed in rbe report. i am a victim of idneity theft & did not make the charge. i ask that the items be deleted to correct my credit report.i reported the theft of my idenity to the Federal Trade Commision & i also have enclosed copies of the Federal Trade Commsions Idenify Thef Affidavit, please delete items as soon as possible.
Product: Student loan

My student loan was transferred to Navient in XXXX XXXX, upon transfer Navient reported my payment at {$84.00} which is incorrect. In XXXX, I paid this amount without paying attention and in XXXX I contacted my previous servicer XXXX to inquire why the amount had increased. They stated I am under income based repayment plan and it should not have changed. The payment amount is {$64.00} and there was a late fee which made the total {$84.00} but it was my option to pay the late fee. I contacted Navient and told them this and was told their website would not allow the amounts to be seperated, I then stated since I paid the {$84.00} there was no longer a late fee and the correct monthly amount should be showing. I was then told that no the extra paid was applied to the loan and not the late fee and this was how it worked for student loans. I have been protesting since. In XXXX, Navient has hiked my payments up and my income based repayment plan is not expired and they are showing late charges in addition to prior. Navient is attempting a form of extortion and refuses to forward my any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 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 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. 

I NEVER gave You, Transunion, OR XXXX, XXXX XXXX, or XXXXXXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Transunion has caused severe stress and XXXX due to the abusive and unfair practices.
Product: Mortgage

back on XXXX XXXX i applied for refinance with PHH Mortgage witch i have a loan with them at XXXX percent i was qualified for XXXX percent loan # XXXX after about 3 months i wast told that there is lien on the property since XXXX regarding a child support issue i called them and i spook to the title company ( XXXX XXXX XXXX ) and i email copy of the close case letter from the child support to both XXXX and XXXX XXXX XXXX XXXX told me i should not contact her nor the child support HPP should contact the child support and verify the issue all they need is to send a form to the child support. i also called the child support ( XXXX XXXX ) she was helpful and confirmed there is no lien on the property all they need to do is to send them the request now they cancel the loan and they charging me a appraisal fee XXXX the interest rate went up and it does not make since to refinance
Product: Credit reporting or other personal consumer reports

I have disputed the date the account was closed with XXXX XXXX. They have refused to provide a closed date on XXXX and XXXX and is reporting a closed date of XX/XX/year> with Experian. 

If the closed date is XX/XX/year>, I should have had access to the card as of that date. 

Account number XXXX