23daVinci/CFPB_Complaints huggingface dataset:
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 USC 1681. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  - XX/XX/2020, has violated my rights. 
XXXX  XXXXXXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights.. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX OF XXXX - XX/XX/2020, 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 inaccura
te.
Product: Credit card

I had paid off the PayPal card inn XX/XX/2025! All other charges after that were not made by me I have contacted PayPal but nothing has been done its still in my account and its reflecting balance! Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Debt collection

I was a victim of identity theft and was he XXXX data breach I reviewed a copy of my credit report I noticed a account that I have no knowledge of IC systems # XXXX Amount {$330.00} Per fcra section 605B & 15 usc 1681 c2 this account is the result of fraud please block and or delete this account immediately
Product: Credit card

I am disputing the collection account with U S DEPT OF EDGSLATL account number XXXX, dated XX/XX/year>, with a balance of {$2400.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 

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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

On last week, I contacted Synchrony Bank, for my XXXX XXXX XXXX card. My recent statement jumped from a minimum payment of {$370.00} to {$580.00}, of which I was alarmed. I contacted Synchrony Bank and talked with the customer service representative and the supervisor to see if they could get my payments lowered, adjust the interest rate or keep the payments where they were around {$400.00}. They told me no. I contacted them again today XXXX, and they told me no. I told them I would report this to the Fair Credit and CFPB. The interest rate they quoted me is {$29.00}. Almost 30 %, which is outrageous and they said there is no negotiability. I asked if I could n't make the monthly payment, then what happens and they said I 'll be paying late fees and a much higher monthly payment. Something must be negotiated here. I am struggling month to month, I am able to negotiate other cards and even student loans but not this card. I make my monthly payments on-time and I feel like I am being penalized, I have suffered a death and I am just overwhelmed in grief and financial responsibilities that go along with it. If you could help me in any way to get the payment lowered or lower the interest rate I would appreciate it. Thank you for your time. Sincerely, XXXX XXXX email : XXXX
Product: Vehicle loan or lease

I am writing to report a concerning issue with my loan account with Mercedes Finance. Despite an agreed-upon interest rate of 5.99 %, Mercedes has been deducting 100 % interest from my monthly payments. I have made multiple attempts to contact them for clarification and resolution, but my inquiries have been consistently ignored. This situation is causing me significant distress and inconvenience. I kindly request your assistance in addressing this matter promptly.
Product: Debt collection

I have disputed a fraudulent collection twice on my XXXX XXXX credit report on XX/XX/22 from XXXX XXXX - original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX They do not physically answer calls & there are no other options to even speak with someone unless you are paying with a credit card. I have spotless credit & this is a scam. I've had the same phone number for the last 13 years. Please help me get them to remove this from my credit report. 

Thanks so much, XXXX XXXX
Product: Checking or savings account

I use Chime aka XXXX. My card was fraudulent used and once the charges settled I filed a dispute through the app because it seemed simple enough and its like pulling teeth to try to get through to talk to anybody for their customer service. I filed the dispute in the app and nobody ever contacted me or anything when I contacted him through the chat in the app to get an update they told me that I didnt get a provisional credit because I did not submit the required document when I asked them to send me the document so I could see what it was and fill it out its the same exact information that they have you fill out for the dispute itself, after finally getting a reasoning as to why I had to fill out the same exact form I filled it out and sent it in a confirmation that they received it yet I still have not received my credit which is now causing issues with other companies that I owe money to because I have auto pay set up through the account and routing number in the account is in the negative because of the fraudulent charges so these accounts that are trying to take money to pay my bills cant take it and I being charged additional fees for them not being able to pull the money and late fees Ive reached out to Chime several times and they all keep sending me back the same script a automated response nobody has contacted me through the chat over the phone via email or anything other than descriptive responses in the chat and I dont feel like Im getting anywhere with this whole process and its now causing me issues
Product: Vehicle loan or lease

My lease was current and in good standing through XX/XX/2020. The C19 stoppage occurred, and I tried to postpone my lease payment to conserve cash like everyone else. I attempted to make a modification on the website, but Ford wanted 33 % penalty to postpone the payment. I would not pay this price gouging extortion amount. 

I have been calling the " help '' line in an attempt to communicate the fact that I would be making payments but would be pushing them 90 days. The Ford system would " not accept '' the modified, promise to pay date that I gave. 

Ford has illegally ( under the CARES Act ) reported this as a late payment and is attempting to ruin my credit ( was an XXXX prior to this ). All this while Ford tries to make itself the " good guy '' by offering " new '' customers a 90 deferment of payments, seriously? 

Ford is profiting off of the C19 stoppage by grabbing an extra 33 % from those that are just trying to do the right thing, and trying to hang on and get through this XXXX. If this is happening to me, it must be happening to tens of thousands of people across the State and Nation.
Product: Debt collection

I received a letter out of nowhere from XXXX XXXX XXXX today XX/XX/2020 stating that I owe {$120000.00}. The original creditor is CITI Bank whom I never had any credit card or associations with. I believe this is fraud as my social security might have been compromised. I called XXXX XXXX XXXX and told them I do not know what this debt is nor do I see this on my credit report and they kept assisting I pay, I asked them why would I pay if I don't even know what this is? 
I then called the original creditor, CITI Banks and told them I don't have a card with them. They attempted to look me up in their system using my full name and social security number. When they couldn't locate me they told me to disregard the letter and that CITI Bank has been experiencing fraud. I do not want this on my credit report as this is not my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I am getting repeated calls and voice messages from debt collectors. I have no outstanding derogatory debts or accounts that would cause this. I am being incorrectly targeted. I have answered the calls and told them they have the wrong number but they keep calling me.
Product: Debt collection

On XX/XX/19 XXXX XXXX XXXX, from Williams and Fudge Inc. Had cold called a family member constituting that she was trying to contact me and I had put down my family member as a job reference. Which I have never done before nor do I even have that family members number. She attempted to retrieve my information on the basis that she was an employer and left her number for me to figure out who she really was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to reinvestigate my dispute with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inquiry directly with XXXX since I did not give permission to any entity to run my credit, and their response is a typical stall tactic they use asking me for information they should have already had since I disputed directly with a letter that had information needed.
Product: Credit reporting or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening XXXX accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these XXXX accounts from my report XXXX  months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see inaccurate accounts on my credit report, and I cant figure out why theyre there. I check my credit report regularly, but this time, there were these unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but that didnt fix anything. The inaccurate accounts remained, no matter what I did. This is really worrying, and Im requesting that the documents Ive sent be reviewed thoroughly so I can finally stop stressing over this.
Product: Mortgage

Overpayment on mortgage loan payoff to Ameris Bank on XX/XX/XXXX by {$410.00}. Payoff was wired to Ameris. Overpayment was put into an escrow account. The Loan that was paid off never had an escrow account. So, I am not sure why the funds were placed there. I was also charged {$10.00} to record a satisfaction in XXXX County. I was told that the overpayment would be paid by check in 15 days. This is unacceptable! Not sure if they do this for all overpayments of payoffs. If they do, they can play with a lot of float time that they profit from, including when they finally mail the check.
Product: Mortgage

I am contacting CFPB today because I tried to contact Green Tree Servicing customer service and XXXX attempt I was disconnected and XXXX call I could not get a reasonable intelligent answer to my questions. XX/XX/XXXX first off someone or something decided to send me a escrow surplus check, which created a negative escrow balance. Same time period someone recorded a escrow payment and then did a payment to hazard/fire insurance co. For the rest of the year the escrow account entered into a negative balance XXXX more times. In XX/XX/XXXX I get a escrow account disclosure statement stating I am negative {$830.00} which Green Tree opted to collect it over the next 18 months. Not only did Green Tree add a shortage payment of {$46.00} they increased my regular escrow payment by {$5.00}. I do not understand the logic of Green Tree servicing practices. Who or what issued the surplus check did not look at my trailing history or future obligations. Using Green Tree 's own explanation of escrow balance '' escrow represents monies collected and held by servicer for the future payment of taxes and insurance ''. It is clear that Green Tree did not look at total escrow account before issuing a surplus check. When I received the check I did think a red flag was necessary, by the definition of surplus '' something in remaining after all current and near future obligations are accounted for ''. My mortgage has has not been delinquent with either Green Tree or XXXX XXXX XXXX who sold the mortgage. As the consumer I do n't feel it is my job to XXXX check Green Tree 's figures.
Product: Credit card

I noticed a large drop in my credit scores ( from approximately 780 to 736 ) in XXXX of XXXX. Upon investigating, I noticed that this was due to the closure of my oldest credit card account, one with Discover. I called Discover to ask why. They stated that the card was closed due to a period of inactivity. No warning was given in advance of this occurrence. If warning had been provided, I would have used the card to prevent closure due to inactivity. Discover refuses to reinstate the account. The drop in my credit score due to this incident has impacted my ability to buy a home. I am currently in the market for a home in the XXXX area, and this large drop in my credit score means I am no longer able to qualify for the best mortgage rates. It seems unreasonable that consumers can be so greatly harmed by an account closure given without warning. This was completely out of my control.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Experian for reporting fraudulent accounts on my personal credit report after being informed multiple times the accounts are result of fraud. I have provided them with a XXXX Police Department police report, as well as an FTC identity theft affidavit pursuant to the FCRA. 

After each dispute I have completed with Experian, they proceed to send me a letter that states, " the disputed items can not not be blocked due to not providing all pages of an identity theft report '' ( see this letter attached. ) I have provided ALL pages of my police report and identity theft report every dispute however they continue to send me this letter. It is very clear to me that Experian is trying to use stall tactics to complicate the resolution process ; which is very disturbing because I am sure they are aware of the crucial role they play in consumers qualifying for credit, loans and even employment, such as in my case. 

Experian continues to willfully and knowingly violate my consumer rights and have caused me a great deal of undue emotional and financial distress. I was denied an XXXX loan to repair flood damage that occurred in my home due to a storm in my area, I also as denied a promotion with my employer recently due to these errors which infuriates me. I have disputed these fraudulent items since XXXXXXXX XXXX via mail and online. Each dispute resulted with me receiving a letter stating the above mentioned statement from Experian. 

I am stressed and exhausted to the XXXX dealing with Experian. I have submitted an Attorney General complaint in each state Experian has an headquarters, XXXX and XXXX today, as well as this CFPB complaint. I have also escalated my concerns to the the XXXX XXXX XXXX and his XXXX team by email. Taking this steps will be my last and final attempt to amicable resolve this matter. If it is not resolved promptly I will pursue legal action against Experian for violating my consumer rights and causing me a great deal of emotional and financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had a credit card with XXXX XXXX XXXX out of XXXX XXXX Nevada since XXXX, I called in and closed my account XX/XX/XXXX and paid balance off, then around 30 some days later XXXX XXXX XXXX sent me a statement and said I owe {$29.00} and then it has escalated to over {$200.00}, I called them several times and asked why did you add a payment to account that was closed with XXXX balance, the only answer I was given was that I owed that amount, I do not owe any money on that card with XXXX XXXX XXXX, and the strange part is I have another XXXX XXXX card with the same credit card company in XXXX XXXX Nevada and it is in good standings, I do not owe credit XXXX Bank for a card I canceled and paid balance off, and they have continuously updated it on my credit report as past due, there is no past due money owed from me on that XXXX XXXX XXXX credit card that I canceled and closed.
Product: Mortgage

I have paid my mortgage down to 78 % and they will not drop my PMI without me paying XXXX for an appraisal. I was told if I paid down 20 % XXXX my PMI would be dropped no one mentioned an appraisal or me having to pay for it. Now they tell me no I have to pay until 2021 before my PMI is dropped. I have over paid each month over 350.00 to get this down. Now I am at 78 % XXXX so I want my PMI dropped. This could be monies used to pay down my house even faster. Bmo Harris said if I paid XXXX for an appraisal they will drop my PMI, why am I being punished for paying sooner. I do n't think this is fair. I was also told if I refinanced at the tune of XXXX they could drop my PMI. They have never said anything about if the appraisal does n't come back with enough value. I am not worried but that should be told to me as I could pay for an appraisal and still have to pay PMI. I feel this is shady.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX charged Off my XXXX XXXX XXXX account after it was paid. How can a credit card be charged off if it's paid. This is fraudulent and discriminatory action towards my financial status. This account is paid. 
During the beginning of the pandemic I paid this card off while battling the XXXX XXXX XXXX XXXX. I will be false to seek legal assistance if this is not deleted from my credit profile on Transunion, XXXX and XXXX.
Product: Vehicle loan or lease

Back XXXX, my bank systems were down from XXXX to XXXX of XXXX. In this time I did not have much access to my accounts. During this time they marked my auto loan account as 30 days late for each month their systems were down. I reached out to the bank on two different occasions with them basically telling me its nothing they can do about it and they were not going to change anything they reported to the credit companies. I reached out to them in XXXX of XXXX as well as XXXX of XXXX. All payments were made once I had access to my account. It is not my day that the bank systems were down that long and I should not be punished for problems on their end. This is not a problem with the credit companies, but the loan holder and their fairness
Product: Debt collection

I asked for a validation letter and they refused, stating they could not mail me one without my legal address or social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company and lender inquired into my credit without my authorization. XXXX XXXX XXXX told me that he would not inquire into my credit and it turned out that he did.