23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Filed prior complaint ( XXXX ) with CFPB on XXXX/XXXX/XXXX. Chase XXXX XXXX XXXX XXXX filed a response on XXXX/XXXX/XXXX and provided an amortization schedule of what new payments will be on my Heloc. Letter stated new payments consisting of principal and interest were to begin on XXXX XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX called me to notify me that he had sent a response to my CFPB complaint and stated my XXXX payment would be XXXX. XXXX XXXX stated that he was Chase 's single point of contact regarding any future problems with my loan. Received XXXX statement and payments were still interest only not principal and interest that was stated in XXXX XXXX, XXXX letter. After contacting XXXX XXXX and requesting to rectify the situation, XXXX finally contacted me after two weeks and stating he never received any of my three phone calls to him other than just one single request. Contacted XXXX XXXX again who reiterated he made a mistake on when the date the loan would change to principal and interest. I asked again what the monthly payment would be for the loan starting in XXXX XXXX and reiterated {$1200.00} according to the amortization schedule he provided in a response to the CFPB on XXXX XXXX, XXXX. Recieved a letter dated XXXX XXXX, XXXX from XXXX XXXX stating the payment error. 

On XXXX XXXX XXXX, XXXX I went on Chase 's website to make my XXXX payment and the payment was not what the amortization schedule stated on XXXX XXXX, XXXX that was sent as a response to me through the CFPB portal. I have made my XXXX payment on XXXX XXXX, XXXX and request that Chase provide 1. Newly corrected amortization schedule. 

2. Credit on my account of the difference of what I paid ( 1537.66 ) and what the amortization schedule payment XXXX. 

3. Print out of all phone recording that Chase has regarding all my phone calls with XXXX XXXX who clearly stated my payments were starting in XXXX and now changed according to a letter dated XXXX XXXX, XXXX to XXXX of XXXX which consist principal and interest I have left two messages ( XXXX XXXX, XXXX and XXXX XXXX XXXX ) to XXXX XXXX and two messages to his supervisor XXXX XXXX. Received no response by either. 

I have had my loan with Chase for 10 years and have never missed a beat paying my loan. I do n't know what the problem is but needs to be rectified ASAP.
Product: Credit reporting or other personal consumer reports

I am filing to formally lodge a complaint against XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). Account Name : XXXX Account Number : XXXX Balance Owed : {$730.00}
Product: Mortgage

refinanced in XXXX  US Bank can not provide 1098s because they were purged from the system. Need them for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX to file taxes. need to resolve as part of a divorce US BANK holds both mortgages
Product: Credit card or prepaid card

My credit card account at Capital One was closed. I have asked the company to delete my personal, legal, and financial information. They sent me a website to do that, and I tried to get it to work, but it would not work. I called several times and they tell me there is no way to purge my information. I no longer have an account with this company. They have no right to store, use, sell, my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, Transunion., XXXX  and XXXX  are in  violation of my rights and is subjected to a law suit under these laws Furthermore, i have enclosed in my letter that there are unauthorized inquires that i do not recognize, and they are required ti provide proper verification under the FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one. 

Any one who pulls my credit without permissible use can be fined {$1000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I purchased Solar panels and Battery last year and the vendor recommended Mosaic as their preferred lender. I was told my monthly payment was going to be {$340.00} and after 18 months it would be XXXX if I do not apply the rebate for Solar from the federal government.

I started paying {$440.00} with hopes of applying {$100.00} every cycle towards principal. Original loan was {$51000.00} and interest rate is 9.59 % loan term states XXXX payments remaining regardless of how many payments I have made so far. Last year they changed interest {$1000.00} and so far this year they have charged {$1800.00} in interest. I still owe {$51000.00} and remaining payment is XXXX. I do not know when this loan will be paid off. i have reached out to Mosaic but they are not providing any understandable answers. 

There are no statements for me to see what is going on. HELP! 

Address Information Please mail payments to : Mosaic XXXX XXXX XXXX XXXX, Az XXXX Overnight Mailing Address : MOSAIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. Here are the following 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
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX a resident of XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries from : Barclays Bank Delaware XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was 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 Opened : XX/XX/2017 Balance : {$10000.00} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

XXXX XXXX XXXX states on XX/XX/year> an account with the amount of {$46000.00} was open that I have no knowledge of. I also am in no contractual agreement with this company and this goes against consumer laws US C 15 262. I constantly receive messages, phone calls, and letters, stating that this that can affect my credit.
Product: Mortgage

My brother passed away and as executor and heir to his estate the lender Ditech refused to work with me. I was denied any and all assistance including forebearances, cash for keys, lowered payments etc. this is also my primary residence. Currently, I am awaiting confirmation of the sheriffs sale scheduled for XXXX XXXX.
Product: Debt collection

Jefferson Capital Systems placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. 

I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX.
Product: Debt collection

Enhanced recovery reported on my credit report I owe {$1300.00}, I never heard of company never got anything in the mail or got an phone call, I tried calling number on credit report phone number doesnt work
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Installment Loan # XXXX Date Opened XX/XX/2017 This account in showing 30days late for XXXX, however it has never been late
Product: Debt collection

My name is XXXX XXXX my date of birth XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my complaint is that a collection name Everest receivable services Inc keeps calling me and making threats saying their attorney had filed a lawsuit against me for a very old that that over the state of limitations and unlawfully filed a civil judgment against me with out my knowledge and keep calling me from private number and toll free numbers. Using intimidated tactics
Product: Vehicle loan or lease

I purchased a vehicle from US Auto Sales in XXXX Georgia on XX/XX/XXXX which included a extended warranty. XX/XX/XXXX I was informed that US Auto closed and my loan was transferred to Westlake. When I reached out to Westlake about the warranty I was told that unfortunately mine did not get transferred. They then tried to sell me a new warranty under their company. I then tried different numbers I was given by Westlake and sent emails to three Westlake individuals concerning the breach of contract and requested either to get the monies back I had paid to Westlake since or find a way to get my warranty reinstated. I also stated I valued my credit and would be happy to continue the relationship if the warranty was still going to be honored. On XX/XX/XXXX Westlake notated my account as refusal to pay and put me as Cease and Desist. On XX/XX/XXXX my vehicle was repossed. I then received a letter stating they had repossed the vehicle, it would be sent to auction and I would be responsible for the balance of the loan not taken care of with the sale. On XX/XX/XXXX Westlake started to report my account as late and damaging my credit.
Product: Credit reporting or other personal consumer reports

I am natural person, I am living human being, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be deleted or remove because according to 15 USC 1681 I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 
Accounts Here Remove/Deleted : Summary of Accounts being challenged in list form 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 Equifax Equifax 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 or other personal consumer reports

In pursuant to 15 USC 1666b-Timing of payments A creditor may not treat a payment on a credit card account on an open end consumer credit plan 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 the Original creditor have requested proof of these statements that were mailed and neither of the Reporting agencies nor creditors could provide me with this required information to constitute a late payment. 15 USC 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies- under the EXCLUSIONS section exclusions from a consumer credit report clearly states the term Consumer Report does not include reports containing information solely as a transaction ( s ) or experiences between the consumer natural person and person making the report. The following companies are in direct violation with 15 USC 1666b and 15 USC 1681 please remove all late payments showing on the following accounts and mark them as Paid In Full : XXXX XXXX XXXX XXXX ( XXXX ) showing 35 Missed Payments, XXXX XXXX  ( XXXX ) showing 62 Missed Payments, Dept. Of Ed ( XXXX ), ( XXXX, XXXX, XXXX, XXXX ) showing 33 Missed Payments, XXXX XXXX XXXX ( XXXX ) showing 8 Missed Payments, XXXX XXXX XXXX XXXX ( XXXX ) showing 1 Missed Payment, XXXX XXXX XXXX ( XXXX ) showing 21 Missed Payments ) and XXXX XXXX XXXX ( XXXX ) showing 3 Missed Payments.
Product: Credit card or prepaid card

On XX/XX/2023 I received a call from Chase Credit card company, asking if I had changed my address on my account and requested additional cards. When I told them I had not, the asked me a security question and I refused to answer because they initiated the call. I then called the customer service number on the back of the card and was advised they were freezing the account and sending me new cards. They transferred my call to a security specialist and she help me change the Name and password on my account. 
Upon logging in with new info I notice statement for a XXXX credit card had a balance of {$8900.00}. The security specialist transferred me to a pass due specialist because the account had been closed. This representative said the charges were from XXXX XXXX XXXX XXXX on XX/XX/2023 for {$8700.00}. I explain to her that I had never made those charges she told me that my account would be credited. We discussed a Late Fee charge of {$29.00} and an interest charge of {$37.00} that would also be credited. Then on XX/XX/XXXX, we received an e-mail from Chase stating Your next payment is almost due for the amount of {$52.00} we found on our credit report from XXXX the we had a charge form XXXX XXXX for {$52.00} on XX/XX/2023. 
On XX/XX/2023 we called chase and was told we had credits pending to resolve my account ot a XXXX balance.
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 





Company : PORTFOLIO RECOVERY Account Number : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights! 

15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C Section 604a A Section 2 It also states a consumer reporting agency can not furnish a account without my written consent These accounts do not belong to me
Product: Debt collection

I am asking for validation of the debt and collector advised it will hit my credit in 2 weeks, regardless of the dispute filed. I advised they need to send me information about the debt - validation letter. Collector then advised, I must have everything finished by XX/XX/XXXX? 

The company isnt allowing the allowed 30 day window to receive information and to dispute if needed? I have requested the debt validation letter to be mailed during todays conversation XX/XX/2023. This was my first conversation after receiving a text from them XX/XX/202XXXX CREDIT SERVICE COMPANY , INC XXXX CSC Is the company. 

Please review.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to express my deep concern and dissatisfaction regarding the unauthorized disclosure of my private information by Square, also known as Block Inc. As a longstanding and loyal customer of Square, I am troubled by the serious breach of my privacy and the subsequent lack of effective resolution from their team. 

On XXXX XXXX XXXX at XXXXXXXX XXXX  PST, I received a text message from an unauthorized party that explicitly detailed specific information about my Square Loan, including the loan origination date and my name. This unauthorized party claims to have obtained this information through Square, and I possess tangible proof of this claim in the form of the text message received. 

My initial attempt to resolve this issue was on XX/XX/, when I contacted Square 's customer support. During that call, I was assured that I would receive an email once the matter was resolved. Despite multiple follow-ups, I have not received any satisfactory resolution or communication regarding this matter. 

Subsequently, on XX/XX/XXXX, I spoke with another representative who assured me that I would receive an email addressing my concerns. The email I received from " XXXX '' only requested information on what my concerns were, without providing any substantive response or resolution. 

In my prompt response to " XXXX '' on the same day, I reiterated my concerns, expecting a timely and effective resolution. Unfortunately, I have not received any further communication from " XXXX ''. 

Recognizing the urgency of this matter, I reached out once again on XX/XX/XXXX, copying Square 's privacy team in the communication. While I did receive an email from the privacy team, it regrettably appeared to ignore the gravity of my privacy concerns, providing no substantive information or resolution. 

On XX/XX/XXXX, I received a message from XXXX stating, " Ive passed your case along to a Square Banking team member who can help you further. You should hear back from them shortly. '' Subsequently, I received no additional communication even after a follow-up on XX/XX/XXXX. 

It is imperative to note that I possess concrete proof from the unauthorized party, in the form of the aforementioned text message, confirming the unauthorized access to my personal information through Square. 

I am deeply dissatisfied with Square 's handling of this situation and the apparent lack of urgency and professionalism in addressing a serious breach of my privacy. I am requesting a formal investigation to take place including what they call " an Automatic '' occurrence of sharing private information from their internal systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Law effective XX/XX/2017 any public record data must include NAME and ADDRESS as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new Law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting

Experian is reporting incorrect information on credit report in regards to a student loan that I have. It shows XXXX pate payments for an account that I have had a forbearance from XXXX in which those XXXX late payments were contained inside of my forbearance thus never having my account late at all. The FTC advisory opinion on Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information ( loan provider ) to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. The months that report late were in covered by my forbearance and need to be changed to a positive status. According to the FTC opinion of the FCRA they must update my report.
Product: Payday loan, title loan, personal loan, or advance loan

I havent used earnin for 5 months and disconnected the app from my bank account over 5 months ago, I wake up today and see there are 5 unscheduled/unathurized pending transactions from earnin all over {$100.00}, equaling up to almost {$600.00}!!!! 

I reached out to earnin and they said they couldn't do anything about it and i would need to contact my bank for a " reversal ''. No explanation of how this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the accounts XXXX XXXX XXXX XXXX-XXXX  from my credit report. I sent a dispute letter to the collection agency, and they said they would remove this account, but I am still seeing it on my Experian and XXXX credit report. XXXX has removed this account. Please see the attached dispute letter that was sent to the company on XX/XX/22 which is dated, and time stamped. It has been over 5 months since my letter was sent, remove this account within 15 days of receipt of this complaint.