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

I am disputing how XXXX XXXX XXXX has changed how they report my mortgage balance to all ( XXXX ) credit bureaus. Prior to and during my XXXX  ACT forbearance, they would report ONLY my interest-bearing principal balance to the credit bureaus. I had a loan modification befoXXXX XXXX XXXX XXXX purchased my mortgage ( which I had no say in ) that included a deferred payment at the end of the modified loan. Since coming out of forbearance in XX/XX/2022, XXXXXXXX XXXX XXXX suddenly decided to lump this deferred payment into the entire mortgage balance which is incorrect. They had been servicing my mortgage for at least XXXX years before making this sudden change. 

I feel they made this change only in retaliation for them not being able to foreclose on my home. I was in forbearance for over a year because XXXX XXXX XXXX gave me no options to come out of the forbearance like most customers normally could. It was after XXXX, pleading and XXXX them for MONTHS on end did a nice customer representative take XXXX  on me, escalated my situation and got the powers that be to agree to let me resume my monthly mortgage payments. The forbearance amount was then XXXX into the interest-bearing principal balance. 

Since that time, now all of a sudden my mortgage balance increased from approx. {$XXXX} to a new mortgage balance of {$XXXX} on my credit report. This drastic increase has caused my credit score to drop XXXX points w/ Transunion XXXX XXXX and a whopping XXXX points w/ XXXX. I was never advised up front about how they changed reporting my balance and am therefore requesting them to change their reporting back to how it had originally been done for YEARS. 

This is again, a detriment to me and completely unfair as the consumer who never asked or requested XXXXXXXX XXXX XXXX  service my mortgage loan in the XXXX place. I feel I have been victimized again by this entity after going through so much to come out of forbearance only to have my credit ruined anyways which SHOULD NOT HAVE HAPPENED per what was outlined in the XXXX ACT. My credit has been impacted as a direct result of their changed procedures which only occurred after coming out of my XXXX ACT forbearance. 

The reported balance to all ( XXXX ) credit bureaus for this account should be {$XXXX} which Im enclosing here. Im also enclosing my most recent mortgage statement which also shows a slightly older balance of {$XXXX}. Lastly, I feel I am owed an explanation as to why this entity decided to suddenly change their reporting procedures with no advance notice after years of reporting it differently. Thank you for taking this complaint into consideration. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I mailed a letter to XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX, Synchrony Bank, who are reporting my balance, payment history, etc on my credit report and advised them that according to 15 USC 1681b section 2 ( A ) ( i ), that the term consumer report does not include report containing information solely on transactions, and that it was illegal to report transaction history. Neither of the companies replied to my letter, and neither one of them complied. I have attached the letter that I mailed each company on XX/XX/2024.
Product: Credit reporting or other personal consumer reports

I am reaching out to you as my social security number was compromised. I had a data breach that resulted in fraudulent accounts reported to me. I am requesting that all erroneous names, addresses, and unauthorized inquiries be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or XXXX and my XXXX amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent Collections XXXX XXXX XXXX- {$460.00} XXXX XXXX XXXX- {$620.00} Inquiries XXXX XXXX ( Bank ) XX/XX/XXXX 2022
Product: Credit card

On XX/XX/XXXX, I signed up for the XXXX XXXX XXXX XXXX XXXX  online at XXXX XXXX XXXX 

On the website, it clearly states that if I spent {$500.00}, I would get {$75.00} statement credit and this could be repeated 3 times, e.g. I would get {$220.00} statement credit if I spent {$1500.00}. 

On the web archive version of the site XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you can clearly see that the promotion period is from XX/XX/XXXX - XX/XX/XXXX and they have since extended it to XX/XX/XXXX. 

I have since spent over {$1500.00} on the credit card and haven't received any statement credit. I reached out to the support via secured message online and was told I need to call XXXX. I called the phone number and was told they don't know anything about the promotion and was asked to call Sears at XXXX or XXXX. I called Sears and was told they can't do the statement credit and I have to call the credit card company back. Basically I am getting a run around and no one knows how to give me the statement credit. 

In fact, I learned about this promotion on the deals website " Doctor of Credit ''. As you looked through the comment section, you will see that I am not the only customer who are short-changed of the {$220.00} promotions. Several other individuals also complained they didn't received the promotion. Please see the link below : XXXX XXXX XXXXXXXX I would appreciate if someone from your team can help me resolve this issue. The only reason I applied for this card initially was to get the promotion and now I feel like I am being scammed into something I don't want. Thank you for your help!
Product: Debt collection

I have sent XXXX debt validation letters to Portfolio Recovery Associates LLC. XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX in an effort to get verification of this debt. The company has ignored by requests and has failed to prove I am the owner of this debt.
Product: Credit reporting or other personal consumer reports

This is XXXX  me, you are violating my rights as a consumer which is really disheartening. I value my credit score a lot but these inaccuracies in my credit you are reporting has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and disregarded to rectify these issues and my concerns regarding the errors on my credit report, it's stressing me out.
Product: Checking or savings account

On XX/XX/2023 I had XXXX in my savings account around XXXX at night I transferred money out of my account and transfer money back into my back so I had funds in my account. On XX/XX/2023 i assets an over draft fee of {$20.00} when I had money in my account. I called the bank and wanted the {$20.00} back because all I did was move XXXX around and I had money in my savings to cover anything that came out I just moved money from one bank to navy federal. Im explaining this to the manager and she going to say if I keep speaking to her in a demanding way. I am explaining what happened and she is claiming Im demanding her absolutely ridiculous didnt use not one curse word didnt call her names nothing. Navy federal is charging illegal fees and refuse to give me my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. Please remove the following addresses from my files I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have had issues with my information being sent to these addresses and I do not live at any of these locations. 
My current and only address is : XXXX XXXX XXXX, XXXX, GA XXXX I Have lived here for over 5 years
Product: Debt collection

Kept calling multiple times a day. Attempting to make debt look more recent than it is. Forgive debt for all harassment.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute with Equifax concerning erroneous information present on my credit report. Despite my initial contact with Equifax on XX/XX/XXXX, I have yet to receive any response to date regarding the matter at hand. 
The discrepancies I wish to address pertain to the following accounts, which have been inaccurately reported on my credit report : Account Information : Creditor : XXXX MTR Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account has never been overdue. 
Request : I request that Equifax promptly and accurately correct this erroneous information in accordance with the Fair Credit Reporting Act ( FCRA ). 
Account Information : Creditor : XXXX MTR Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account has never been overdue. 
Request : I kindly request that Equifax take the necessary steps to rectify this inaccurate data on my credit report, as mandated by the FCRA.
Product: Mortgage

On   XXXX   XXXX   XXXX   I called  US Bank  regarding a letter they sent me that my mortgage was going to mature in  XXXX   XXXX  and that I had to pay in full the remaining balance or refinance. I called to discuss my options on refinancing the home. After a discussion on loan balance on my primary and secondary and home value, it was told to me that I did not qualify to refinance. I then asked what my options were if the loan matured and what would happen. The representative said she could not help as she only handled refinances and would need to transfer me to Customer Service. I spoke to the Customer Service representative and she then said she could not handle and would need to transfer me to a loa n specialist. After reviewing my situation with the specialist she could not help me and said that my only option was to speak to the loan modification specialist. I then spoke to the loan modification specialist and she explained that i  would need t o apply for the loan modification and depending on my case it may or may not be approved. She advised me to wait until my loan matures which is 1 year away. I told her I did not  want to wait as I wanted to work with the bank to get this resolved now and discuss my options. I could not qualify for the refinance because my house would not appraise at the value to meet a 90 % loan to value threshold. She indicated that the loan modification application would be mailed to me. She said it would take  XXXX  days to bet processed but did warn me that if I accepted the modification that it would impact m y credit score.      What surprises me is that I have been a customer for 20 years wit h US Bank and h ave been in good standings throughout that timeframe. I am calling to try to work with the bank to arrange a solution and they have nothing to offer. She indicated that when it matures I would go in to collections for the full amount which in turn would impact my credit. I asked that she check with a superior as I clearly did not fall in to the normal criteria for modifications and not sure I need a modification but it appears no one I spoke to had any solutions or support.      US Bank has a long standing customer with excellent credit ( 800+ score ) and they have no other solution than to tell me to wait and/or apply for a modification ( which most likely I would not qualify for ). In the meantime I will submit for the modification to see what the formal outcome is but it seems inappropriate that a good customer would have to negatively impact their credit score. I am proactively trying to resolve my situation and it appears that the bank is giving me no options. The customer service I received is terrible but It appears that if I had been in a defaulting status and not fulfilling my responsibilities that I might have some options. Its unfortunate, that I could not get someone to work with me to a positive result for both of us.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX was never late ! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as 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. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Debt collection

I called XXXX on numerous occasions with more than XXXX excuses why they could not close my account. Every time I would call one rep even told me I would have to wait. I was like wait to close an account that I want closed now this is ridiculous. I placed another call and was told to wait until my billing cycle ended. Every time I called it was excuses after excuses that really burned me out as a consumer trying to get this resolved with my credit applied. Many reps would hang up in order not to deal with closing the account and would place me on hold for more than an hour then they would hang up the phone because I was a loyal customer with numerous lines and they would not want to be responsible for a big account closing. This went on for several months. I got no where until I transferred the line to another carrier.and requested that they close my account they would not assist me to do so. I asked them several times and they kept transferring me from XXXX department to the other. As of today 's date I can not get a payment arrangement nor able to login into account to make a payment. I have made numerous calls to close account. They want to keep billing me the bill got out of hand from the amount that they said I would be paying each month it was double from the original amount instead of XXXX it became over XXXX per month and not what they quoted me. I was told on numerous calls that I would receive credit as of today 's date I never received credit nor an adjustment for being a loyal customer. On XXXX XXXX, 2015 I received a letter from XXXX stating that my account lines were disconnected but I can still log on to my account which is active and pay when logging into account account would not let me login in to see my account nor assist me. I received an invoice in the amount of {$4300.00} from collection agency Convergent regarding the collection proceeding from XXXX XXXX I am still awaiting communication from XXXX on my credit of more than XXXX owed and have not received I am now being harassed for money when I tired on numerous attempts to get this account resolved and my credits applied with no communication from verizonwireless other than a letter stating that I can login to account which login does not work. I have left numerous messages with customer service to close account and to assist me with payment arrangement on the correct balance owed as of today 's date this has not happened and even after a letter received XXXX/XXXX/2015 from XXXX saying to pay them by login in to account but how can someone pay XXXX people at the same time them and a collection agency when the bill is still not resolved. They have never sent a letter saying they have resolved the matter nor a credit but ask to pay them and also a collection agency all at the same time which is against the law. To request payment and also request a collection agency all at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Trans Union stated they deleted and permanently blocked the following fraudulent and unauthorized credit card accounts from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, {$470.00}, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The accounts are all fraudulent, unauthorized and dont belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681 This company continues to violate my rights I keep disputing this with proof so how are they doing a fair investigation but ignoring the proof. I was effected by the recent scandal with them giving the wrong score! Experian is governed by 15 USC 1681 I demand the account to be removed! On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating, " They do not report any bankruptcies to anybody ''. So, if that's the case how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 681 according to 15 USC 1681 section 602A. States I have the right to privacy. According to15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. According to15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that information is inaccurate. I have a right to privacy and did give Experian written permission to furnish this account. If they verified it they never sent me proof like i asked.
Product: Debt collection

I question the validity of your verification process, as I have yet to receive any valid verification or explanation for the existence of these accounts. Despite my previous disputes and your assurance of a response within a week, it has been 30 days, and I have received no information or resolution regarding these distressing accounts. I demand immediate action to remove these fraudulent accounts from my credit report. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
XXXXXXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
It is crucial to note that the lack of verification for these accounts raises serious concerns about the accuracy and integrity of your reporting process.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I was talking to what I thought was valid CoinBase employees. Within a couple hours of talking to them about recovering some coins that were " lost '' in the cloud, they somehow got into my regular CoinBase account that had over XXXX various coins totaling some $ XXXX today 's value. From XXXX XX/XX/XXXX to XXXX they managed to move all those coins out to a XXXX account. Coinbase can't track but were able to provide me the transaction history that took place to steal my coins. 

I am XXXX and this was part of my retirement. These people were XXXX dialect, just as it most all of Coinbase employees, so I assumed they were valid. 

I have names and phone numbers of XXXX men I talked to in this process. 

I contacted the DOJ who filed an IC3 report for the FTC and FBI. I have a case number for that but have not heard back from any agency. 

Is this something our agency can help for me to recover these missing coins.
Product: Payday loan, title loan, or personal loan

I received a loan for XXXX and paid back {$2100.00} then the company tried to take another {$790.00} in fees on the last month of payment installs. I said no, I have already paid back the {$1000.00} plus another {$1100.00} in fees and I was not made aware of another {$790.00} in fees until the last month. I stopped payment on my checking account because of this. This is over 500 % in fees to pay. This loan was from 2014 and I have been getting harassing and threatening calls ever since from various collection agencies and such and now they are trying to get another {$3000.00} from me! Telling me they are taking me to court, reporting my social security and even hitting my credit score in a negative way. I need for this harassment to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DISPUTING DEPT OF ED/ NELNET FOR A YEAR 6 MONTH AGO THE CREDIT BRUEA REMOVE THE ACCOUNT BECAUSE THEY WHERE NOT ABLE TO VERIFY WITH THE 30 DAY THIS ACCOUNTS DOSE NOT BELONG TO ME I REPORT THESE ACCOUNT TO THE FTC AND FILL OUT THE AFFIDAVIT THAT EVEN NELNET SEND ME AND NOTHING IS BEING DONE THEY JUST KEEP ON SENDING THE SAME THING NO DOUCMENT THAT SHOW THAT IT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts at getting EXPERIAN to remover the following off my consumer credit profile in pursuant of 15 USC 1681 B the following had no been authorized by me to place on my consumer credit profile XXXX XXXX XXXX ... ... ... .... collections XXXX XXXX XXXXXXXX ... ... ... ... ... ... ... ... ... .. late pay XXXX XXXX XXXX XXXX.. ... ... ... ... ... ... ... .. late pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections XXXXXXXX XXXX XXXX... ... ... ... ... ... ... ... .... collections XXXX XXXX XXXX... ... ... ... ... ... ... ... ... ... ... ... .... late pays XXXX XXXX XXXXXXXX ... ... ... ... ... ... ... ... ... .. late pay XXXX XXXXXXXX ... XXXX ... ... ... ... ... ... .... late pay XXXX XXXX ... ... ... ... ... ... ... ... .... late pay XXXX XXXXXXXX ... ... ... ... ... ... ... ... .... late pay XXXX XXXX XXXXXXXX ... ... ... ... ... ... ... ... .... late pay XXXX XXXXXXXX ... ... ... ... ... ... ... ... .. late pay