23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been in my home for two years going on three this year and my mortgage payment has increased 3 times ; twice last year 2023. It has gone up {$300.00} extra dollars. I called the mortgage company to see why and a customer service representative stated they do a projection of what your personal proper taxes may be instead of using the actual tax amount from your county assessment department. So I contacted my attorney who sent the mortgage company a letter asking them to explain how are they obtaining information about my personal property taxes because taxes only increase ( if than ) once a year. This was done in XXXX. The letter stated they had 30 days to respond and they have not responded to me or my attorney.
Product: Credit reporting or other personal consumer reports

Incorrect names and addresses listed on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a 30-day late payment entry on my mortgage account for the month of XX/XX/2023. I appreciate the services provided by XXXX XXXX  and the role you play in facilitating my homeownership. 
I have recently reviewed my credit report and noted the presence of this late payment entry. I believe there has been a misunderstanding or error, as I have consistently made on-time payments since the inception of my mortgage. 
Upon investigating this matter further, it appears that the lateness may have been the result of XXXX XXXX  as stated on their website and the document they sent me stating that they processed check # XXXX on XX/XX/2023 and mailed it out same day. They also stated through email and their website that the check was delivered on XX/XX/XXXX, XXXX payment will be delivered by paper check on Wednesday, XX/XX/2023 SENT TO XXXX XXXX XXXX XXXX, TX XXXX CHECK XXXX XXXX XXXX XXXX sent check from XXXX XXXX, CA on XX/XX/XXXX through mail to XXXX XXXX  in XXXX, Tx XXXX was XXXX on XX/XX/XXXX. That's not 30 days late. XXXX XXXX  said they received it XX/XX/XXXX but can't verify that.
Product: Credit card

Capital one does not respond and opened bbb investigation. They claimed that refund for fraud was give. And then sent a closed resolution to bbb when in fact they have sent nothing.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. Please remove all fraudulent accounts. Thank you XXXX XXXX XXXXXXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX  XX/XX/year> EXPERIAN XXXX XXXX  XX/XX/year> EXPERIAN
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 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 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. My name is spelled XXXX XXXX XXXX associated with the last four of social security number XXXX ID Document attached.
Product: Student loan

My complaint is about AES. They have continuously refused to take my husbands name off of this loan and have ruined his credit. He sent them forms last year saying that he did n't co-sign on this loan. I 'm XXXX and am not working right now. I wo n't be able to work for the foreseeable future, and still need several surgeries. I 've called and written them numerous times about working with me on an affordable payment. They lowered my payment to XXXX, then suddenly doubled it for no reason. Now they refuse to work with me at all. They have n't sent me a bill since XX/XX/XXXX, and are now saying I 'm over 60 days late. I thought they discharged my loan due to my XXXX. I have no idea why they wo n't work with me or discharge this loan. My other student loans were discharged due to my XXXX. I ca n't afford to make these payments since I do n't have an income. I do n't even recall taking out this loan, and would like proof that I actually applied for this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX changed from XXXXXXXX XXXX in XXXX. Since that time there have been several internal errors that resulted in lates on my account ( number ending in XXXX ). 

My payments were automatically deducted from my bank account. But during their change over, in XXXX of XXXX, they did not remover the payment until AFTER the due date. 

In XXXX of XXXX, I contacted the bank BEFORE my due date and they agreed to defer three payments on the account due to covid. Once again, they did not put this on the account properly and a third late payment was posted. 

Finally, in XXXX of XXXX, the bank raised my escrow amount but failed to notify me. This left my automatically deducted payment, {$500.00} short and resulted in another late payment reported. This was NOT my error. 

I have spoken to XXXX XXXX in the banks ' accounting and reporting department along with a supervisor ( first name XXXX XXXX. They agreed to remove these delinquencies from XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX ... but apparently updating on their system does not update the bureau records. 

Please remove these three delinquencies from my record from XXXX Bank or delete this item from my file.
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 confidentiality under 15 U.S.C. 1681.

Accounts : 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 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. 15 U.S.C. 1681c. 605 ( 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 ) Section : 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 in
accurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX MI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Equifax continues to delete accounts from XXXX XXXX XXXX just to re-insert them into my credit file. They do this at least once a month. I have disputed the information over and over about this issue but they refuse to gix the issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Subject : Request for Removal of Unverifiable and Incomplete Account Information Dear Sir/Madam, I am writing to formally request the removal of an account associated with XXXX from my credit report. The account details are provided below : Account Information : Account Number : XXXX High Balance : {$720.00} ( Equifax XXXX Last Verified : Not Reported Date of Last Activity : XX/XX/XXXX ( Equifax XXXX Date Reported : XX/XX/XXXX ( Equifax XXXX Date Opened : XX/XX/XXXX ( Equifax XXXX Balance Owed : {$720.00} ( Equifax XXXX Closed Date : Not Reported Account Rating : Derogatory ( Equifax XXXX Account Description : Credit card ( Equifax XXXX Dispute Status : Account not disputed ( Equifax XXXX Creditor Type : All Banks ( Equifax XXXX Account Status : Closed ( Equifax XXXX Payment Status : Collection/Chargeoff ( Equifax ) Creditor Remarks : Charged off account ( Equifax ) Payment Amount : {$0.00} ( Equifax ) Last Payment : XX/XX/XXXX ( Equifax ) Term Length : Not Reported Past Due Amount : {$720.00} ( Equifax ) Account Type : Credit Card ( Equifax ) Payment Frequency : Not Reported Credit Limit : {$0.00} ( Equifax ) This account has been previously investigated, and it has been determined that the information provided is unverifiable and incomplete. Despite this, the account remains on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 




The discrepancies and inconsistencies, as outlined above, demonstrate that the account information is not accurate, complete, or verifiable. Specifically : The account is only reported by Equifax and not by XXXX or XXXX. 
The balance owed and the past due amount are the same, indicating potential duplication of information. 
The dates of last activity, report, and opening do not provide a complete timeline. 
Given these significant inaccuracies and the unverifiable nature of the account information, I demand the immediate removal of this account from my credit report by EQUIFAX Please confirm in writing that this account has been removed from my credit report within 30 days of receipt of this letter. Failure to do so will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal action to enforce my rights under the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, 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

XX/XX/XXXX-XX/XX/XXXX Ally financial reported that I made late/missed payments that were made monthly. This auto loan was paid in full in XXXX and they have been sending me a Paid in Full letter over a month now. I have contacted them and they sent me a full payment ledger stating I made every payment but it was still reported to the credit bureaus
Product: Debt collection

Fay servicing is trying to collect an extra XXXX for the year from me. I have recording of them saying if I have a zero escrow balance I would be back on principle and interest only. Then they changed their minds and put me on principle, interest, taxes, and insurance. They they pull this XXXX out of thin air. I tried calling I just get transferred around. I say supervisor I get a voicemail, and no return call. I get hung up on repeatedly. I have recordings of all this. Then I got to fill out request to the escrow team for analysis. No body to talk to there. That takes a week. 
They give me the run a round so now my payment is late. It's a scam
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} PXXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX XXXX Balance Owed : {$250.00} XXXX  XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX Balance XXXX : {$91.00} XXXX  XXXX XXXX Balance XXXX XXXX {$130.00} XXXX  XXXX XXXX Balance Owed XXXX {$130.00} XXXX Balance Owed : {$630.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I am trying to close a savings and checking account and establish beneficiary IRAs from my deceased mothers accounts. I submitted the required documentation in XX/XX/2021 and continue to get nowhere with Bank Of America.

Estate services reference number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has FAILED TO EXERCISE THEIR GRAVE DUTIES under the FCRA. They have been put on notice on XXXX and HAVE NOT ACTED ACCORDINGLY and removed the demanded accounts from my reputation. It has been more than 45 days and NOTHING has changed. EQUIFAX has not shown ANY REGARD AND RESPECT to I the consumer and to the CFPB and continue to act on their own free will and harm my reputation. I demand EQUIFAX to DELETE the requested information by following FCRA guidelines and taking more than 45 days to respond with anything!!!! EQUIFAX has caused me to lose faith in the banking system due to their negligence and disregard to Federal Law and I the consumer. QUIFAX has stated that the social security card and id I provided for verification was not sufficient to verify me. This is in fact a STALL tactic and EQUIFAX is simply not trying to exercise their GRAVE DUTIES under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XX/XX/2022, Experian made an error by adding a hard inquiry ( XXXX XXXX ) to my credit file, which made my XXXX XXXX  decrease from XXXX to XXXX declined by XXXX points!! The inquiry was removed on XX/XX/2022 without restoring my XXXX XXXX back to XXXX. 

Experian added an unauthorized hard inquiry error ( rent track ) to my file and they still have not restored my XXXX XXXX. Experian made this mistake, so, it's been XXXX months now & I expect Experian to do the right thing and request a ( XXXX XXXX ) score to restore my fico score back to XXXX. 

XXXX XXXX XXXX removed the hard inquiry & restored my XXXX score, so I know that my Experian fico restoration is possible by requesting a ( XXXX XXXX. ) I am not starting at the bottom again to work my score back up for a second time!! 

By choosing to warehouse inaccurate information, Experian is in violation of : 1. ) The Fair Credit Reporting Act. 
2. ) XXXX XXXX Compliant. 
3. ) Experian is subject to regulatory oversight by the FTC, CFPB, Office Of the Inspector General.

Please see new attachments for proof of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This request is in response to complaint # XXXX with FABCO. I never received a mailed validation letter validating this debt as you claim. Please forward me ( mail ) proof of this alleged item, specifically bearing the contract, note or other instrument bearing my signature. A bill, account ledger and payment history does not validate the debt. I demand that all references to this account is deleted and removed from my file.
Product: Credit card

Do NOT waste your time with Fortiva ( " myfortiva '' )! I had two cards with them for almost three years and was NEVER late on any payments and heavily used one of the two. I found out a few days before posting this review that the account I used the most was closed for " OVERUSE '' of the card! WHAT?!? Yes, I used to card too much, and they didn't like it. This was not closed for fraud or anything else since I was an excellent customer. They literally told me ( after I called them ) that they closed the account because I used the card too much. At that point, I had them close my other account with them since I have no trust in their services anymore.

Also, they did NOT notify me of the closure, they just did it and I had to call them to find out why my available credit was XXXX. I received no email, text messages, or postal mail regarding the closure. 

I would also caution anyone trying to rebuild their credit because of their fees ; there are better options out there. Fortiva not only charges a high annual fee, they also charge a monthly {$12.00} " maintenance '' fee on top of the annual fee. JUST SAY NO to this company!
Product: Student loan

I have been fighting with XXXX to remove the student loans from my credit as I have never been in default status for them to report to the Credit Bureau due to my low income for the past 25 years. I was always on Forbearance or Forgiveness program and have never, ever made a payment due to my income, therefor never reaching a default status for XXXX to report delinquent or any missed payments. I have written requests and complaints over the past ten years, only to be ignored. I am physically XXXX as of XX/XX/XXXX. I have repeatedly submitted VA Notice of Reward letter and well as the required, completed application signed by both myself and my Physician, yet Nelnet continues to document that information is missing, every other time that I call to check my status. I have spoken with several representative since XXXX of XXXX. Some of the representative informed me that all documents were indeed signed and completed as requested and that I merely had to wait the 120 day wait period for them to make a determination to resolve my accounts and have them removed from my Credit report. I feel as though I am being taken advantage of due to my XXXX, that NELNET and XXXX continue to ignore the proven facts and/or deliberately falsely stating that information is missing when they have had several completed applications in the past three years. I was advised by a legal representative to first file a formal complaint once a again, but submit a complaint to the Bureau of Consumer finance. I am requesting that NELNET and XXXX use the completed forms that I have continuously resubmitted. Which as I mentioned should have never been reported to the credit bureau as default or any negative reflection. Documentation available with NELNET and XXXX but can be proven by dates signed as per my doctors.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/year>
Product: Debt collection

Global Receivables Solutions has been calling me every hour without leaving a voicemail. I 've received nothing from them in the mail, so I do n't know what their supposed business is with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, 2015 I my car was hit by and insured of XXXX XXXX XXXX XXXX XXXX XXXX The insurance company took liability of their client being at fault. XXXX XXXX is reporting me at fault causing my insurance rate to increase. I spoke XXXX at XXXX and a certified letter is being sent to me to prove that XXXX XXXX is reporting false and incorrect information. I have a copy of the police report showing I was the victim. Esurance claim # : XXXX Adjustor was XXXX XXXX no longer there but XXXX replaced that adjustor her # : PH : XXXX. I only learned of this XXXX XXXX today the reference # : XXXX when getting an insurance quote