23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was reported as delinquent onXX/XX/XXXXeven though it was not. I was enrolled in their hardship program. 

The account is still showing as past due as well, even though I completed the hardship program and made my final payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX was tasked with validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt.

A signed agreement where I explicitly agreed to pay the creditor.

Details of any insurance claims filed by the creditor regarding this account.

Documentation of any judgments obtained by the creditor related to this account.

The name and address of the alleged creditor.

The name associated with the alleged debtor.

The alleged account number.

The address on file for the alleged debtor.

The total amount of the alleged debt. The date the alleged debt became payable. The date of the original charge-off or delinquency. Verification that the debt was assigned or sold to the collector.

A complete accounting of the alleged debt.

Details of the commission the debt collector would earn if collection efforts succeeded.

The method used to verify and validate this information.

None of this information was provided. Additionally, XXXX XXXX XXXX XXXX manipulated data originally present in my file. The attached documents show that the initial account was linked to " XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. '' After this information was confirmed to be fraudulent, XXXX XXXX XXXX XXXX altered the document file to " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. '' This missing information, combined with the deliberate manipulation of my consumer data for corporate benefit, constitutes violations of the Fair Credit Reporting Act ( FCRA ) and consumer rights laws, specifically 611 ( 15 U.S.C. 1681i ), which pertains to the treatment of inaccurate or unverifiable information.

Because the information required for account accuracy validation has been manipulated and is, therefore, invalid, XXXX XXXX XXXX XXXX is obligated to delete the account and any related connections to my personal information.
Product: Mortgage

Called loan proscesser on Monday it took XXXX 9 days to get back to me she said we had a hurricane in here. She charge my credit card XXXX for appraisal with out my permission when I contacted her she said read your packet and when I read it it said it will come out of my closing cost. I was surpose to close in 45 days did n't happen I called XXXX and she was was rude she said maybe I should with draw my application now I got shown involve which is her manager and talk to him on a Thursday said he was going to rush my loan thru it 's been 7 days and my extensions ran out and no word from shown to find out when or if we are closing I talked to several different managers at TD bank and they keep telling me they will reach out to shon we are at 55 days and I am under contract so I do n't know what to do please help me I can explain more when you reach out to me. The realtor has reach out to processor 15 emails with no response. Please call as I can really tell you how unfair I have been treated We have been in our local branch several times. Missing work and dealing with this issue for 55 days. XXXX. And TD bank does n't care. We have never been thru something like this.
Product: Mortgage

In XXXX I refinanced my home. The loan was immediately sold to a company called RP Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I received a confirmation from the RP Funding company that they received {$2500.00} from my escrow on XX/XX/XXXX. In mid XXXX, I called the company twice because the first two requests from my local insurance agent, were not successful in obtaining payment for my homeowners insurance. According to RP Funding, on XX/XX/XXXX a check # XXXX was cut to my home owners policy XXXX XXXX XXXX XXXX ( XXXX ) for {$1300.00}. On XX/XX/XXXX, still having no payment XXXX insurance reached out to my insurance agent who spoke to RP Funding, and they subsequently wrote a partial payment for {$160.00}. This according is not satisfactory for the insurance payment because of the type of insurance plan I have it requires a full payment from the escrow. We will still be in default XX/XX/XXXX at 90 days without a payment in full. She contacted me XX/XX/XXXX, and I called on XX/XX/XXXX twice. First, speaking to the insurance department. They gave me a run around that I had to wait until XX/XX/XXXX or XXXX to ensure the check isn't cashed ( XXXX business days ) before any action could be taken. Then, I called for a manager who requested a new check, but not a stop or check payment (? ) on the original check. On Monday XXXX, my insurance agent contacted me to say we still had no payment from RP Funding. On Tuesday XX/XX/XXXX, I was on hold for 1.5 hours for insurance and at that point I gave up. I called back yesterday and got to a manager.  XXXX, who said that the manager on XX/XX/XXXX followed the wrong procedures, and we still have to research the original XX/XX/XXXX check. Once that is established as un-cashed we can begin to issue a new one. I was supposed to hear back by the XXXX via email and have heard nothing. The wait times and customer service is despicable and I am a patient person! My issue is that on XX/XX/XXXX my insurance will be in default and the mortgage company received the cash on XX/XX/XXXX. I feel we are running out of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been victim of identity theft, An identity theft report has been filed with the FTC filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Please remove all non accounts holding inquiries and send me a copy of updated report.
Product: Bank account or service

I have a credit card with Citi bank and sometimes like to go and pay the credit card bill with cash in person at a local branch in XXXX, CA. I have been informed by the branch that since I do not have a checking/savings account with Citi bank I have to provide my drivers license, social security number and my job description. I was shocked that they told me they can not take a cash payment without all my personal information. I told them they have all that information when the credit card application was filled out in 1996 ( when I first applied for the card ). They said this was a federal law requiring all this information. I bank with other banks and have not had a problem with cash transactions.
Product: Credit reporting or other personal consumer reports

I don't recognize this address. please delete this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Product: Debt collection

On XX/XX/year> at XXXXXXXX XXXX service of a court summons was delivered to a listed address and received by a third person not the XXXX. The summons was a complaint brought against the XXXX  by XXXX XXXXXXXX XXXX XXXXXXXX, and through the Debt Collector ANDREW, PALMA, LAVIN, & SOLIS, PLLC. Debt Collector is also acting as counsel for XXXX XXXXXXXX XXXX  XXXX. Located at the footer of the court documents is the common clause, " This COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ''. The XXXX  never received any Notice of Assignment prior to this cause of action from the alleged creditor or the Debt Collector ANDREU, PALMA, LAVIN, & SOLIS, PLLC. The AFFIANT also researched if the Debt Collector ANDREU, PALMA, LAVIN, & SOLIS, PLLC is licensed to collect debt in the state of Florida which yielded negative results. The Debt Collector used deceptive, and unfair debt collection practices by not affording the XXXX to dispute this alleged Debt. The Debt Collector sought remedy directly through State Courts. The debt collector continues to Abuse the XXXX  with its continuance of legal pleadings, causing prospective jobs to be lost ( unemployed ), martial instability due to time and effort placed on XXXX to defend in court pleadings. Individual privacy because the Court is public and records can be shown. Numerous letters from 3rd party law firms persistently filled the consumers mail box relating to this alleged debt. ANDREU, PALMA, LAVIN. & SOLIS, PLLC has violated 15 USC 1692 ( FAIR DEBT COLLECTION PRACTICES ACT ), Public Law 95-109 802 et al. It is presumed that the unfair advantage placed on this XXXX/Consumer by ANDREU, PALMA, LAVIN, & SOLIS, PLLC has most certainly affected many others, and should be resolved in a timely manner.
Product: Mortgage

I have reached out to my lender requesting to move my forbearance that was done during XXXX to the back of the loan : ( they will not ) XXXX has XXXX housing assistant program that will pay XXXX but the lender has to approve the request that I provided to the lender on XXXX and XXXX since they stated they did not receive. The form would come from me per the agency : If the funds are moved to the end of the loan and the XXXX is granted to reduce my outstanding amount, at that time if I'm still behind, I would have a lower payment provided I have to file a bankruptcy XXXX until the difference is paid off. currently as it stands if I file a bankruptcy XXXX my trustee payment amount is over {$2300.00} on top of my monthly payment that has been the same for over XXXX ( on an average of XXXX to XXXX ) the Trustee continues to dismiss my XXXX XXXX and the trustee keeps the funds that I have paid which leaves me vulnerable to possibly losing my home that I would like to keep. ( XXXX not looking to be homeless at my current age or any age for that matter ) My goal is to just get my Mortgage back on track so that I don't lose my home. 

Mr. Cooper now has indicated that my new payment would be {$1700.00} est ( my current value property taxes have been locked in now for XXXX ) with no changes due to an appeal that I file every XXXX with XXXX XXXX. 

My homeowners insurance has gone up slightly over XXXX A few years back I had a current HOI policy with XXXX XXXX XXXX XXXX XXXX in which Nationstar dropped the ball and sent my annual premium in late and the insurance company would not renew my policy! ( This was at no XXXX to me ) My annual premium started off at {$800.00} to {$1100.00}, after that payment was late my new quotes then averaged XXXX on a high end and XXXX to now XXXX. I personally feel as though Nationstar XXXX should pay the difference. instead, they have now increased my payment to est {$1700.00}. This user error of sending my insurance payment out as caused be to have to search for lower insurance payments every year or other year.. State Farm has been the most reasonable thus far, but XXXX yrs ago XXXX XXXX XXXX XXXX XXXX as well. So I'm happy with my current amount. Prior I had also for over XXXX then XXXX XXXX XXXX until they dropped me due to Nationstar not sending the payment out on time. 

I have sent a request for a RESPA DUAL Tracking on XXXX and again today XXXX with the verbiage RESPA DUAL Tracking as I would like a detail of fees as to how lenders can receive assistance and homeowners can not. 

I have attached the XXXX tracking request and the assistance program for your view. 

Regarding/Urgent matter Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. The following accounts, that have been previously disputed, were disposed and dismissed cases, and per the residing judge, should have been deleted from my credit report. How is it that the other credit reporting agencies deleted these accounts but not Experian/Experian rent Bureau? Yet, I get a notification that the information has been verifiedwhat are you comparing my information with?
Product: Checking or savings account

On XX/XX/XXXX at XXXX I received an email from Bank of America alerting me that my checking account had less than {$25.00} available. I checked my account and found that three transactions occurred that day that reduced my bank account to approximately {$3.00}. One transaction was for {$60.00} through an ATM in XXXX XXXX XXXX IL. The other two transactions occurred at XXXX XXXX IL Bank of America where a teller gave an unknown individual {$2000.00} and {$200.00}. I immediately called Bank of America to report the fraud. The debit card department took care of my {$60.00} that day. The check department said they could not do anything until the $ XXXX and {$200.00} transactions were posted to my account. On XX/XX/XXXX I called Bank of America first thing in the morning and reported the fraudulent activity for the $ XXXX transactions and was told I would be receiving correspondence for this claim ( claim number XXXX ). On XX/XX/XXXX I called Bank of America to follow up on the claim and was told that my case had not been looked at yet. I tried to explain that all the money I owned had been given to a stranger who walked into a Bank of America in XXXX XXXX IL and I won't be able to pay my house mortgage or apartment rent. Both are going to negatively impact my credit rating, I will be evicted from my apartment and unable to afford food for my family. I was told they were not authorized to credit my account because they haven't even looked at it yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 late payments that have shown up on my XXXX credit report for Citbank/CBNA. After many hours of attempting to contact Citibank ( roughly 6 hours over the course of 2 months on the phone ). No one can find my account-I am glad to pay if this is accurate, but no one at Citibank is able to find my account by SS #, name, DOB or  phone number. The only information contained in the credit report is the first 6 numbers of the account and that I am now past due {$120.00}. I have disputed this 2x with XXXX and both times have come back stating that this is a legitimate past due acct. The dates of the disputes are XX/XX/2020 and XX/XX/2020. Today XX/XX/2020 I was on the phone with Citicards for 2 hours and I was hung up on twice and transferred 4 times and still no one can find this account. This is just one example of the amount of time I have invested in trying to get this resolved.
Product: Money transfer, virtual currency, or money service

Cashnetusa USA claims I took out loan. I did not someone used my info of address but not my bank account and now cashnetusa wants payment
Product: Credit card or prepaid card

On XX/XX/2022 my credit card company posted a charge for {$160.00} from XXXX XXXX XXXXXXXX which is not supposed to be a charge on the card when I found out about that I contacted my credit card company and told them that I didn't authorize this charge so they open a fraud dispute regarding that charge and credited the balance back on my account, but recently the fraud department from the credit card company contacted me and told me that they have to dismiss this dispute and advised me to call them back to open another dispute for an unauthorized charge by the merchant with an agent over the phone. When I did try doing that, the agent from the Chase credit card company told me because the fraud department has closes dispute in the favor of XXXX I have to pay that amount and they can not help me open another dispute or else I have to write a letter and mail it to them and then they will decide whether they can open a dispute or not. I firmly believe that this is unjustly trying to make me pay for some thing that I didn't authorize on my card. As I paid the full balance of my stay with XXXX with my another card, and this card was just used for identification purposes which shouldn't be charged with any kind of fee or payment as I have the proof that I paid the full amount with my another Chase credit card. I informed them regarding what I am saying here, but they are not ready to listen to my side of the story and not opening another dispute and unjustly trying to ask me to pay the amount.
Product: Debt or credit management

My husand has been serving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We received his new orders with the military to XXXX XXXXXXXX XXXX The financial advisor on base advised us, that under the Relief Act- for Louisiana SCRA, that any creditor can't more than 6 % interest ( cap ) for any active service member stationed in Louisiana. 

The Louisana - State Specific Relief Act for service members spefically states for any account before and after the service member had before XXXX. Below- Title 29- Military, Naval, and Veteran 's Affairs 29:312. Limits on creditor interest rates XXXX Louisiana Laws Revised Statutes Title 29 - Military, Naval, and Veteran 's Affairs 29:312. Limits on creditor interest rates Universal Citation : LA Rev Stat 29:312 ( 2022 ) RS 29:312 - Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

The company representative called me and said I was approved but they won't give me the extra interest I paid on two accounts with them. She said they go off the date my husband got his new orders for XX/XX/XXXX to be in Louisiana. 

That contradicts and under the statutes for Louisiana- State Specific Relief Act they are not honoring the law.
Product: Debt collection

XX/XX/2023 a drop in my credit report happened because Pro Collector listed me as a debtor for a lease I wasn't on, it is not my debt. 

XXXX I called Pro Collector and explained this and sent in my mom 's lease showing that only she is on the lease, I didn't sign on as an occupant or a co-signer as I was living in Minnesota and still am the entire time. This apartment is in Florida. 

I provided proof of residency in Minnesota as well. 

I've seen in past reviews of this company that this isn't the first time they've falsely represented debt on incorrect people.
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 Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.