23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2018 Our RV was at a park where the electric was provided by XXXX XXXX. Towards the end of XX/XX/XXXX we contacted XXXX to shut the power off at the time I believe it was two days after we moved. They did not shut the power off instead a new tenant was using the electricity through XX/XX/XXXXand now Helvey & Assoc. are attempting to hold me at fault for their clients negligence. I unsuccessfully disputed twice with the bureaus because Helvey and Associates description of events held more weight than mine even though they were not a part of the negotiations at the time we moved. I contacted Helvey and Associates explained the dates that we moved, we had the name of the person that we spoke with at XXXX, and the date and time of the call. We were told they couldnt verify it. I submitted my bank account statement showing in the month of XX/XX/XXXX before the middle of XX/XX/2018 my address had already been changed. I provided a copy of my XXXX statement showing a charge of {$1.00} from I believe XX/XX/XXXX from USPS. I have gone above trying to prove my good standing and great llengtjs to try to have this resolved only to be told the collection remained. Regardless proof was shown that I did not live at that address and they could have simply contacted the facility to obtain my move out date. I went through all of this to prove my innocence why would I not call to deactivate my electricity when I was no longer living there? Thank you for taking an objective look and hopefully provide a resolution.
Product: Vehicle loan or lease

The company name is Santander auto loan .Due to I stay w out job I call and also went to XXXX XXXX in Person to to try to lower the payment and they said no Santander is part of XXXX I call voluntarily Santander to come and get the car is been almost 8 still on my credit also
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My complaint is against Mr Cooper Mortgage Company. 

I have been working with Mr Cooper on a VA loan modification for a long long time now & they keep rejecting me. 

Currently they have offered me an improper mortgage modification because they raised the interest rate by 3+ points at the same terms that were left on the old loan of 14 years and the monthly payment was {$2700.00}! 

I am a XXXX veteran and these unreasonable NEW terms they have offered for this modification massively increases my financial hardship and the purpose of this loan was to decrease or eliminate my hardship. Mr. Cooper believes the best thing is to increase my financial and emotional hardship with that kind of a new loan payment of {$2700.00} and a new interest rate raised by 3+ points. 

I can not afford that because it's an illegal and extremely improper loan modification offer that they want me to accept by XX/XX/XXXX. 

They are not responding because they are using illegal strong-arm tactics trying to make me accept or reject their illegal loan offer by XX/XX/XXXX but I have not received a legal and proper loan agreement to accept and they need to help me not hurt me more. 

I have been talking with the VA loan department for assistance and help. 

I am still waiting for a proper and legal modification recommendation from Mr Cooper of at least 30 years, & we even asked for 40 yr. Loan and they just refuse to respond. 

It should be a NEW 30-year conventional loan or we have asked for a 40 yr. but they won't respond. 

Please help! 

XXXX
Product: Credit card or prepaid card

When my concerns about my Costco Citicard credit card initially arose a couple of weeks ' ago, I decided to allow a little time for all posted/pending transactions to register in my Costco Citibank credit card account. 
Unfortunately, the perplexing situation, whereby erroneous account balance as well as available credit balance information continues to be a problem today, Monday, XX/XX/2019. Citibank continues to provide inaccurate actual balance and available credit information, continually abusing me, for instance, while at the same time actively involved in unfair and/or unjust practices, banking practices, for example. After my last Costco Citibank credit card payment at an Citibank ATM kiosk, my balance was incorrect ( I, too, realized that perhaps there was a chance that some previous credit transactions had not registered into my Costco Citibank credit card account yet or at least had not registered in a timely manner ). This has been an ongoing problem with Citibank, as often times, Citibank 's automated system/ATM kiosk does not provide up-to-date and/or accurate information. The automated telephone system recently stated that my available credit was approximately {$400.00} an approximate amount less than the actually available credit amount. The deduction of approximately {$400.00} is not shown as a transaction either, making this crime difficult bto track, for example. Essentially, this is someone attempting to steal, a possible scam, a situation that disallows me from accessing all those funds available to me? This scenario is dirty, and again, particularly due to the fact that one ( 1 )  transaction for approximately {$400.00} is not apparent.
Product: Debt collection

VIOLATION OF RIGHTS SHARED INFORMATION WITH 3RD PARTY WITHOUT CONSENT SOLD INFORMATION TO THIRD PARTY WTHOUT CONSENT I AM THE ORIGINAL CREDITOR
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for several months to try to rectify the address that Equifax has about me. I have explained that i live in a single family dwelling, that it is not an apartment building and yet they persist on maintaining an incorrect address which has been on my file for many years after a mix up of addresses. They have requested, and I have sent, a copy of my social security card and of my drivers license which shows my home address correctly.

Still they send me letters requesting more information of the kind I have just provided. The bureocracy of this company is beyond belief. I want a correct credit record and they are of no help.
Product: Credit reporting

equifax mixed up me up my name /they send me a credit report with wrong name also they put my bro bill that was in collection on my credit report from XXXX, these are not my account. we are not the same people. i believe i was skip trace thur XXXX and made responsible because equifax change my address to XXXX.
Product: Mortgage

I have applied for XXXX modifications on my loan and I have not received a response back in writing for either request. I have spoken with a manger who could not understand how my payments have been applied to my account. He also spoke of a {$5.00} a day penalty late charge that I have never heard of. XXXX was to research my payment history as well as the type of loan that has been enforce since Nationstar Mortgage took over and call me on XXXX/XXXX/16. I have not heard anything back from the manger XXXX as of today XXXX/XXXX/16. I called this morning and was told by customer service that XXXX was not available. The representative asked me if she could give me his extension and transfer me to his line and I asked for XXXX last name. At that time she asked me to hold and proceeded to transfer me to XXXX XXXX who is my account repersentive. I have sent {$1000.00} for the past two months and ready to send another {$1000.00} without any satisfaction from this company. My balance has not moved since they bought my account from XXXX XXXX XXXX. They are the worst company I have ever dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint to to CFPB on XX/XX/XXXX. I received your response but no response or correction from Transunion or XXXX. How do I get them to upgrade my scores?
Product: Debt collection

i check my credit report and seen a negative debt from enhance recovery company on XX/XX/2020 and sent them a dispute concerning the complaint below asking them to validate the alleged debt and waiting on their response.
Product: Credit reporting or other personal consumer reports

Since my last dispute Transunion continues to retaliate against me Transunion refuses to give me access to my credit report Transunion refuses to provide my credit score Transunion keeps preventing me from disputing incorrect items : 1-Phone Number ( XXXX ) XXXX -- - not my phone must be Deleted 2- C/O XXXX XXXX XXXX XXXX XXXX {$540.00} -- -- Not Mine must be Deleted XXXX XXXX XXXX XXXX XXXX {$970.00} -- -- -Not Mine must be Deleted While XXXX and XXXX Deleted these incorrect information Transunion Refuses to Provide Details about Validity and Authority to collect this debt.

1. My signature on the contract for this debt 2. Chain of title for this debt 3. Chain of title that gives XXXX XXXX XXXX XXXX XXXX XXXX XXXX  legal authorization to collect on these debt. 
. 
6. Any and ALL insurance claims filed on this debt 7. Original signed contract that shows I am responsible for this debt 8. My credit application for this debt 9. Provide verification and documentation about why this is a debt that I am required to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  10. Proof that you have the legal authority to collect on this debt 11. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor.

12. Provide a copy of the written agreement that created my original requirement to pay? 
13. Does XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXhave a debt collection license from my state? If not, say why not. 
14. If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

15. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place?

16. If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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

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

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

On XX/XX/XXXX and XX/XX/XXXX there were XXXX hard inquiries made on my credit. They were from US Bank, XXXX XXXX, XXXX from XXXX  XXXX XXXX and XXXX from XXXX  XXXX. None of these were initiated by me. I am reporting fraud on my account and have put a fraud alert on my credit.
Product: Credit card

There was a voice mail on my phone ( ending in XXXX ). The message stated the call was from a debt collector. I asked my wife to return the call and advise them I was out of town. My wife called XXXX XXXX at NES of Ohio and advised I was out of town. XXXX XXXX said she would note the account as such. The next day there were messages on my parents voice mail stating " This is a call from NES of Ohio this is a debt collector please return the call to XXXX XXXX at XXXX Ext XXXX '' she did not mention my name at all on the message. My Dad called her back and got one of the other agents who immediately started grilling him as to my whereabouts. He advised them to not call his home any more and they continue to call twice per day every day for a week now. Then XXXX XXXX started calling my kids phone ending in XXXX and leaving messages that this is a debt collector. She then started calling my Aunt and Uncle and again leaving messages stating the call is from a debt collector. There is never a mention of any name on the messages so of course people will call them back to see what it 's about and at that time she will state my name ( so now ALL these people know the call is from a debt collector plus my name is mentioned so my privacy is now violated ). Then they start being aggressive to find me. My wife called NES again and an agent said " I 'm sorry you must be mistaken the only number we have on file is XXXX ''. So obviously XXXX XXXX is using some sort of cross reference to find everyone with my last name in the area that I live. Now I got a call from my previous employer stating that a debt collector is looking for me and gave me XXXX XXXX number. I do n't think this is legal to be discussing my personal situation with people other than myself. And when my wife tried to get information they told her " we ca n't talk to you '' BUT YOU TALK TO ALL OF MY RELATIVES??? Each and every one of these people XXXX XXXX called has asked her not to call again and yet she repeatedly calls them several times a day. It is XXXX XXXX herself that makes the calls its not a computerized call.
Product: Credit card

Was given a promotion for 15 months. None of my 15 months of statements gave me the expiration date of the promotion. Caught the increase after month XXXX due to autopay going up significantly. Requested interest refunded as unfair, deceptive banking practice. XXXX XXXX said they were aware and were going to have it added in 2025 on their statements. They know it is unfair, deceptive and not fully transparent to customers. I want 2 months interest refunded.
Product: Money transfer, virtual currency, or money service

I received an email from someone claiming to be from Charles Schwab regarding a request for a funds transfer. I do not deal with Charles Schwab. I feel that ihis is a scam to get me to give them my account numbers from my bank.
Product: Mortgage

Hello, I was approved for XXXX payments on XX/XX/XXXX in which they would make payments for the next 6 months starting XX/XX/XXXX for both utilities and mortgage. My utility payments have been applied no issue. However, my mortgage payment has not applied. When I called XXXX ( XX/XX/XXXX ) they advised the payment was sent first week of XXXX along with utilities. When I call Freedom Mortgage ( XX/XX/XXXX ) they say no payment has been received. They have my approval letter ( sent on XX/XX/XXXX ) but say no payment received even though Ive informed them XXXX confirmed payment sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discrepancies in reporting on one account being reported twice on all three credit bureaus : Original Balance : XXXX and XXXX Terms : 66 months and 68 months Paid Closed/Never late and Paid/ Closed on Experian. Reported differently on Experian then XXXX and XXXX XXXX. 

Requested validation as shown in documents attached. 


XXXX XXXX XXXX XXXX has the same account reported twice. Inaccuracies with original amount of loan, payment history, terms are different. I had only one lease which being reported twice with the same account number but inaccuracies with the items mentioned above. Violation by the credit bureaus and XXXX XXXX XXXX XXXX reporting inaccurate information that has substantially hurt my score.reported as paid and never late on Experian and reported as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX  ) XXXX, and XXXX XXXX  ( Original Creditor XXXX ) XXXX. Please delete these accounts ASAP. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXXK XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, Indigo Mastercard emailed to me a settlement offer of {$170.00} for the entire balance of {$710.00} to save {$530.00}. initial settlement request had a payment due by XX/XX/XXXX but I called and was advised it can be extended to post the payment by XX/XX/XXXX. I made the payment of XX/XX/XXXX and payment posted on XX/XX/XXXX. However, the remaining balance of {$530.00} +interest to equal {$590.00} was reported to the credit bureau as still due and also reported late again. This was not the agreed upon resolution. on the settlement offer received, it states " Once your settlement payment is received as agreed, the waived portion f the balance will be charged off and your account will be reported as settled in full for less than the full balance to the credit bureaus. '' Upon calling the customer service this morning, they are now stating it that the terms state 21 days after payment. This is false information being provided to me as the consumer and I was not advised this on the call to the rep to accept the settlement offer. It doesn't make sense to still add on fees/interest if the settlement was paid and posted on time and yet the balance was increased while also reported as still negative and decreased my credit score even more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 a late payment was place on my consumer credit file by Credit Acceptance. Prior to this time. My original payment ate was the XXXX of the month. I discussed with Credit Acceptance that due to an hardship was it possible to change the due date to a later date of the month of which they agreed. I was charged {$20.00} to make the payment adjustment in the date. To make payments due on the XXXX of the month. In addition, I agreed to pay {$570.00} instead of the original {$510.00} payment to have the payment registered as on time. Even though I agreed to make these payments and followed the directions, they continued to report these payments as late to the credit bureaus. I set up automatic deductions and increased the deductible amount to {$600.00} to avoid the late fees. But the arrears just grew from about {$300.00} to over {$3000.00}, even though the payment was taken out of my bank account by the creditor every month as per their " agreement '' with me. Additionally they continued to report the account as late to the credit bureaus. In the original agreement Credit Acceptance allowed a 15-day grace period for being late after the due date ; however, late fees and reporting occurred if you were only late 1 day late. It was unclear how or whether the extra money paid each month was applied to reduce the late payments. I requested an audit of the account to verify the account and never received it. The company and bureaus did not follow the law and posted un-validated information about the account with Credit Acceptance. They violated my consumers rights by the following : 15 USC 1692f ( 1 ) unfair or unconscionable means to collect or attempt to collect any debt, 15 USC 1692g 809 ( b ). Validation of debts - Disputed debts. The information reported by the credit bureau 's is inaccurate : The balance, the monthly payment, the payment history, and the payment status are all incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

SPS shows as foreclose started, however this process was finalized as a sale on XX/XX/2014