23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PenFed denied my recent [ XX/XX/XXXX ] home equity loan application without providing a reason. I 've continually asked PenFed to review and provide documents from the first equity loan application that was approved in XX/XX/XXXX, so that I can compare its data with the recent equity loan application that was rejected. Currently, I have " XXXX '' balances on all credit accounts that I have with PenFed.
Product: Student loan

XXXX refuses to answer to why the amount of interest paid on my last payment increased. They have also allocated my last payment to XXXX loan despite it stating at it would apply across all loans, on my payment confirmation ( which will be attached to this complaint ). Since I made a payment XX/XX/XXXX my new due date should be XX/XX/XXXX. They have not reflected this in my account or responded to my email requesting it. 

When they finally responded and applied my XX/XX/XXXX payment across all loans the amount of interest applied falsely increased substantially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on Equifax for XXXXXXXX XXXX  showing as closed, not more than 2 months past due and the account is closed, current according to XXXX XXXX and the other two reporting agencies XXXX and XXXX. This needs to be updated
Product: Mortgage

My mortgage servicing provider ( Shellpoint ) transferred my mortgage to another service provider ( XXXX ). This is a standard procedure and I went through the process several times before. However, this time I was not informed about the transfer from either company! Because Shellpoint had a wrong address on file I did not receive their notifications. Additionally, since the new service provider ( XXXX ) relies on the address from the previous service provider, I did not receive any communication from them either. 

I found out about the transfer a few months later via a coincidence. I checked my credit report and noticed that my credit score dropped. Apparently I had a mortgage with XXXX that was more than 30 days late. I was confused as I had been making timely payments to my my mortgage provider. 

I called Shellpoint and they informed me that they are not my service provider anymore and they referred me to XXXX. Both providers admitted that they had the wrong mailing address and that the mail they sent to me had been returned to them. When asked why they did not call me both service providers did n't provide an explanation. I still do n't understand why Shellpoint never tried to call me while they continued to receive my mortgage payments several months after the service transfer. 

I immediately settled my balance with XXXX as they were very adamant about the outstanding balance. Working with the XXXX service providers and all three credit bureaus is very stressful and frustrating as it all could have been avoided. As of today I am still waiting for Shellpoint to reimburse me for three months of mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! I have been trying to get this removed from my credit report. Someone opened a Chapter XXXX bankruptcy dismissed in my name years ago. It was listed on XXXX, XXXX, and Transunion. It was list twice on all 3 bureaus. I disputed them and XXXX and XXXX removed 2 different bankruptcy off my report. However XXXX only removed 1 of 2 off my report. The name was used to open XXXX was XXXX XXXX, that's not or never been my name. My name is XXXX XXXX and has always been. The address that was listed on court documents XXXX XXXX XXXX XXXX, Ga XXXX I have never lived at that address or ever used that address. Those two errors alone that should have made them remove the Bankruptcy. Also there hard inquiries that need to be validated and removed. I didn't authorize for these lenders to have ran my credit. I certainly didn't sign any documents for them to run it. XXXX XXXX XXXX XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management posted a collection account on my credit report. I never had an account with this company.
Product: Credit reporting or other personal consumer reports

These accounts have incorrect information with late payments, please verify XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Mortgage

Several things. I filed a chapter XXXX on XX/XX/XXXX. According to rule 3002.1 XXXX : XXXX, the bank must send notice to my attorney and me when interest rates change. I have made 5 payments since XX/XX/XXXX, and my attorney and I have only received one letter advising us of a rate change and the amount due, and that was in XXXX for the XXXX payment. this month, I owe {$700.00}, my rate has gone from 6.49 % in XXXX to 6.75 % today, my payment has gone up {$40.00}. The fed has not raised rates in that time. Can the bank just raise my rate indiscriminately at their whim? I was told on Tues. that my annual rate is 22 %? It's very important to me to keep my home and make payments on the heloc, they are making this impossible. 

In trying to reconcile this with Suntrust, many questionable things happened. I was told to file the form for modification, which I did, many times. Earlier this year when I filed the last one and was rejected, I was told that suntrust Bank doesn't do modifications, they only do hardships. when I asked why I was told to keep submitting applications, he said we can't tell you not to. I've asked many questions, and can not get an honest answer from anyone. I'll attach more of what's happened in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$33.00} XXXX XXXX XXXX Balance Owed : {$90.00}
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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
Product: Consumer Loan

we send a payoff for my car but the XXXX company send it to another adress so i speak with the company about it and tell me i need to send a nwe one and cancel the other so i did but this payment was late and they put me late payment in the accunt, i speak before and they tell me that they understand and that they are not going to do it today the account is closed but i have this negative in my credit report
Product: Debt collection

In XX/XX/2023 received a collection letter from I.C. Systems Inc. dated XX/XX/2023, concerning an alleged debt owed to XXXX XXXX, that they are trying to collect {$930.00}. I had to respond to their collection letter by XX/XX/2023, disputing this alleged debt. 
Accordance with the Fair Debt Collection Practices Act, I sent them a disputing letter dated XX/XX/2023, to this debt requesting specific information that would show that I did or didnt owe this debt. 
The disputing debt letter was sent to I.C. System Inc. via Certified Mail XXXX on XX/XX/2023. I received my green return receipt card back with a date of receipt stamped XX/XX/2023. 
I never received a response to my letter, I called I.C.Systems Inc on XX/XX/2023 and spoke with a XXXX XXXX and informed him of my sending the dispute letter via certified mail and it was received on their end on XX/XX/2023 and that I had received the green return receipt but no response to my letter. He would look into it. 
On XX/XX/XXXX received notification from different credit monitoring sites that a collection account had been added to my credit reports.
Product: Vehicle loan or lease

I got a loan on my title through complete cash, ive been experiencing where when I pay on the loan It would go down on the total amount due then it would go back up '' they are charging very high interest on this loan, I feel like I can't get ahead and this place is very crooked, ive seen where when I make a payment it would go down but next time it goes back up causing me where I can't get it paid, I want something done about this, I found that title places can not charge high of interest, I want this investigated, this place is charging so high of interest you can not afford to pay your title out nothing seems to go towards my balance to lower it, I think complete cash is a scam, they got it where I got to pay this loan back in 6 months I borrowed XXXX they want me to pay back XXXX dollars, under the law you can't be charged 30 percent interest. They are charging way more than that I want my title back this place put under investigation, they had did my step dad the same way and now I am please help I will file with other agencies, I sent a copy of my title pawn interest form, I will also send this to the attorney general and FTC,
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to remove the following unauthorized inquiries, I'm now requesting your companys Method Of Verification in response to the company 's verified response. What physical documentation did you verify the following accounts/inquiries that says their mines. Inwhom did you speak with and when. What method of communication taken place. I'm asking that you/ your company 's remove this inquiries or give me physical documentation to support your claims. The unauthorized inquiries are as following, ( 1 )  XXXX  Card ( XX/XX/XXXX ) ( 2 ) XXXX XXXX ( XX/XX/XXXX ) ( 3 ) XXXX XXXX ( XX/XX/XXXX ) ( 4 ) XXXX XXXX ( XX/XX/XXXX ) ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( 7 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( 8 ) XXXX ( XX/XX/XXXX ) ( 9 ) XXXX XXXX (XX/XX/XXXX ) ( 10 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ( 11 ) XXXX XXXX ( XX/XX/XXXX ) And the following account, I'm also seeking the Method Of Verification for, ( 1 ) XXXX XXXX XXXX, {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 reports containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 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.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a XXXX XXXX XXXX  XXXX  10 rookie card on XXXX.after receiving the card I notice it did not appear authentic I contacted XXXX  and sent the card in and they confirmed with a certified letter that it was not an authentic XXXX  10 graded card. I I first contacted the seller he came very defensive it said I must have done something to the card and refused to refund my money. I then contacted XXXX who said since I paid through discover they recommended I file a dispute with them. Now on XX/XX/XXXX discover denied my dispute saying the transaction was found to be valid since I received a card. I again contacted discover who stated that they couldn't do anything more for me and I should contact XXXX or look up online what other people have done in this situation. 

I have never missed a payment before and my credit score was over 800 before this. I want this removed from my credit report while I continue to dispute this.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts is reporting INACCURATELY it's reporting not as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. 

In accordance with the fair credit act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXXXXXX, 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
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 Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account XXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX KEEPS VERIFYING 1 OF 5 ID THEFT LOANS ON MY REPORT.AS OF XX/XX/XXXX THEY SAID THE DISPUTE IS NOT SPECIFIC.EQUIFAX HAS REMOVED 4 OF 5 OF THE BAD LOANS THAT ARE NOT MINE.EQUIFAX HAS MANY EMPLOYEES THAT ENGLISH IS A SECOND LANGUAGE AND FEW KNOW HOW TO READ UNDERSTAND AND SPEAK ENGLISH.I BELIEVE THIS TO BE THE PROBLEMS BASIS. 
MY CREDIT IS STILL DESTROYED BY EQUIFAX 'S CONFUSION. 
DEPT OF EDUCATION XXXX XXXX XXXX IS NOT MINE.IT IS ID THEFT OR AN ERROR OF THE DEPT OF EDUCATION, BUT REGARDLESS IT IS NOT MINE AND SHOULD NOT BE ON MY CREDIT REPORT FOR ANOTHER 5 MINUTES.
Product: Mortgage

I was in a loan modification plan with Wells Fargo. I completed all payments etc, but instead to fixing the loan they sold it off to XXXX XXXX, which ended up costing me more money and loan was never moditified.
Product: Student loan

I was put on a plan many times and the pricing monthly always changed. Then I would call and say I am making my monthly payments but getting a bill asking for late pays. They put me on some kind of stop payment because I had a baby and was not working much but it seems like my loans keep rising. I can never pay them down. Then they took my taxes two years ago because of payments but I was making payments. Talking to these people is difficult and pointless and my credit is ruined. I just wanted reasonable payment options. Also I enrolled in a school called XXXX. I did not end up attending. I went to the orientation and could not do the hours for the school but was still charged all the loans and never took one class.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$44000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and the Gramm-Leach- Bliley Act. Violations of the Gramm-Leach-Bliley Act for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with XXXX, XXXX, and XXXX have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law.

Under the Gramm-Leach-Bliley Act 15 U.SC. 6801 et seq. also known as the Financial Services Modernization Act of 1999, I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction.

This option was NEVER provided to me! I request that this account be deleted and no longer be reported on my credit report
Product: Debt collection

I have sent American Express two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both in 2021 ) to request them to eliminate these accounts from my credit reports as they are my father 's who died in XX/XX/2021. I have requested an investigation of these accounts and of any proof, such as my signature, that these accounts are mine but they have ignored my letters and phone calls. I have recently seen where they have re-aged these accounts so to add extra length to debts that are not mine.
Product: Credit reporting or other personal consumer reports

Fraudulent opening of account at Nordstrom. I called card was supposed to be canceled. Then reported to XXXX  as Fraudulent. 
Nordstrom didn't cancel card. XXXX said information accurate. 
Both failed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report
Product: Credit card or prepaid card

After filing a complaint XXXX XXXX XXXX ) in regards to a settlement offer that I received/was accelerated to being sent to an attorney, I received a letter regarding my complaint that they were acting within their rights as a creditor for their method on collecting my debt with them. The issue was that a long with that letter I received 5 additional letters ( all in the same Citibank envelope ) that weren't addressed to me. The envelope/mail showed my name to be delivered but when opened there's 5 other letters, for 5 other customers/Citi bank cardholders/ with Names , addresses, last 4 of their accounts, what type of account, the nature of letters ( response to complaints, disputes, adverse actions ), and the name of the officer who completed them This is a violation of the privacy act which as consumers, we rely on our creditors to take care of our information. CitiBank has failed these consumers who's information has been exploited due to a clerical error. How do I know if my information is safe with them now. Names, address, and last 4 will be covered in the proof below. If need be, I can send copies of the proof to. cfpb, the creditor/bank, or to the consumers directly that's listed on there and notify them of this mistake.