23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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 XXXX days before the payment due date. I was not notified in the time frame. 
1. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX  XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

2. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX XXXX XXXX  Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

3. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

6. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
7. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITYCB/XXXX  is a chargeoff account that as already been sold but is still reporting late payments along with XXXX XXXX. so that's a double reporting on one account which is a violation and after disputing this inaccurate information both comenity, and XXXX  says the account is verified. how can an account be verified but still reporting inaccurate information.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Cell XXXX email XXXX Account # XXXX XXXX XXXX XXXX Credit limit start date XX/XX/XXXX was {$15000.00} Credit limit on XX/XX/XXXX XXXX {$500.00} First National Bank of Omaha Headquarters Phone Number ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Nebraska XXXX XXXX XXXX First National Bank of Omaha did not send me a consumer an adverse action notice letting me know they was doing a 95 % Credit Limit Decrease with me. 
$ XXXX credit limit, never missed a payment. Then unexpectedly XX/XX/XXXX, my limit decreased to {$500.00} which in turn tanked my XXXX XXXX about XXXX points, and affect my credit utilization. 
XXXX First National Bank of Omaha cut my card limit down by about XXXX percent This is horrible how you reel people in with your high limits then penalize those of us that are responsible and pay on time and more than the minimum! Bait and Switch Contact customer service and I was told that I my FNBO - Credit Limit Decrease for not posting a high balance on my credit cards and paying my credit card in full each month. I am not in financial trouble, I never missed due dates, and However, when people applied for the cards, part of the qualification and limit-setting process stated nothing about I had to spend on the card.
Product: Credit reporting or other personal consumer reports

I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.
Product: Student loan

My loan was sold to Navient and there is inconsistencies in what is owed. There are also inaccuracies being reported on my credit report. No one was able to explain my options of income based repayment or tell me what is best in my current financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

this unknown account needs to be removed from my credit report because it is causing me and my family a lot of stress. thank you XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$6100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$6100.00}
Product: Debt collection

Ad Astra has placed a collection item on my credit report on XX/XX/2015. Related to a XXXX XXXX loan that I never took. I called Ad Astra many times to tell them it is not my charge. They want my social security number which I will not give them. I told them I never received money from XXXX XXXX nor did I receive bills nor did I take the loan. They said without my social they have nothing to say to me. I have entered disputes with 3 credit reporting agencies, placed a dispute with the XXXX who got XXXX XXXX to mail me the loan documents which show and e signature, typed signature, and auto debit form for an account with XXXX XXXX XXXX with no name on it for the account holder, a cell number on a document that was never mine. I asked XXXX to request application information. The lender said due to privacy issues they will not provide. I filed an identity theft form on the FTC web site. This has stopped me from refinancing. I have perfect credit report, all trade lines paid on time. I also sought the advice of lawyer who I would have to pay {$500.00} to review my case and determine if he would help us to sue both companies.
Product: Checking or savings account

A long time ago, I had an account with Wells Fargo and it was closed due to a negative balance. I would like to know what happened to the secured credit card funds that linked to the account, and how much do I owe Wells Fargo so I can resolve this and open an Opportunity Account with you. I went to the branch and no one was able to give me a clear answer and the risk department won't talk to me [ I don't know why : D ]
Product: Credit card or prepaid card

JPMCB-XXXX XXXXXXXX, XXXX  should be removed, deleted and update to current with 3 major credit bureaus
Product: Checking or savings account

I opened a checking account with Citibank about two months ago, and deposited a cashier 's check that is under my name from XXXX bank. Ever since the opening, I have been normally depositing and withdrawing funds from this account and even used my debit card for everyday purchases. Considering I have never done any business with Citibank, I was hoping that they would be my new primary bank to do business with. Little did I know, after a few more ACH transfers and check deposits from my employers, Citibank decided to block my account and prohibited me from accessing the account by any means. By this time, I had no idea of exactly how much I had in my account and why my account was frozen. I then called the general customer support, which routed me elsewhere going back-and-forth and eventually to the fraud department. When I spoke to the fraud department for the first time, the representative refused to give the reason for the freeze, let alone didn't even give me a chance to explain my situation and simply hung up. After calling the same department about nine times, I decided to take a day-off from work and stopped by the branch myself only to be told that this seems to be Citibank 's regular practice to lock people out of their accounts and money. The branch manager told me that there is nothing they can do and I'll have to wait 30-60 days for account closure and additional 40-65 days for the check to be generated. I couldn't wait this long as I have around {$5600.00} in this account, and was planning to use this as a security deposit for my new apartment. What I can not fathom is that Citibank doesn't have the intention to unfreeze my account, yet didn't even close my account immediately and just held onto the money. I was then told realistically it will probably take around 90 days for me to receive the funds. They had no good reason or proof that my account involved fraud, yet flagged my account. It seems very astounding when every single one of the Citibank fraud department reps I spoke to gave me different information. One said, my account is yet to be closed, and one said my account closed on XX/XX/XXXX, when another said that he can't disclose any personal information even after I verified my identity. The most recent fraud rep I spoke to on XX/XX/XXXX, told me that I had to verify every single deposit that I made in the account, then he will release the funds. It is a joke when they don't even give me access to the account nor send me the physical statements and ask me to verify the transactions in the account. Considering the absurdity, I believe that Citibank malpractices to nonchalantly " block '' consumers ' accounts for no reason and doesn't immediately close it to circulate and use people 's ' funds. Please inspect Citibank for their misconduct and stop the company from illegally taking peoples ' money. I also have phone recordings to support my claim and below is my account details : Citibank fraud department : XXXX ext. # XXXX Name : XXXX XXXX Account number : XXXX DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These accounts, XXXX XXXX and XXXX XXXXXXXX XXXX not belong to me and are closed, so they must come off. I also said that XXXX XXXX  XXXX ( late payment ) and XXXX XXXX XXXX XXXX ( late payment ) have never been late and must be updated. I also did not open any new student loans in XXXX XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX, so that also needed to come off of my report. These both have the same account number and are for the same amount. This appears to have been opened in XXXX. There is a collection on my report from XXXX XXXX XXXX XXXX. They are reporting negatively on my report, and I wanted them removed. The only response I received was that someone would call me back. I never got a call back ; it was only a notification that the information was correct. I have not applied for new cards or accounts, but I see XXXX forms for XXXX. 

My correct address is not listed on the report ; a few other addresses are deliverable and belong to someone else. I told them all its information, and they have done nothing. Meanwhile, I still get alerts that my information has been compromised. All of this needs to be corrected as it Is causing me undue stress and hardship.
Product: Debt collection

Account name RESURGENT/LVNV FUNDING Account number XXXX After reviewing my credit report i have noted some discrepancy validation was requested and none was provided. I have not received any correspondence from them only harassing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  will not remove old accounts. Collection accounts that have been paid and show  XXXX  balance are still showing up.   Old accounts showing closed are still showing up and they claim anything reported to them will stay on the account, even with proof that they are closed or paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX ******* XXXX Date Opened : XX/XX/19 Balance : {$22000.00}
Product: Mortgage

My wife and I are XXXX years old. We have only Social Security for our income and were blessed the be able to find the financing for a new home through the VA at our age. Last XXXX we were offered the opportunity to refinance with Loan Depot.com and reduce our monthly payments. Obviously, we were elated. We managed to buy down our interest rate to 2.75 % at a cost of approximately $ XXXXThis rate dropped within a week of our signing. Our previous loan payment was {$1000.00} and the paperwork on our new loan reflected payments of {$800.00}. 
Unfortunately, our previous loan reflected the actual taxes ( {$1200.00} ) and insurance ( {$690.00} ) with escrow payments of {$150.00}. Our refinanced loan of {$800.00} reflects a total of a {$80.00} contribution to our monthly escrow payments. When we became aware of the discrepancy my wife phoned Loan depot.com and was told we would be responsible for the difference to cover the taxes. 
We have contested out loan since XX/XX/XXXX and have been forced to go through Consumer Protection in order to contact you. The difference in the escrow and payouts will come to approximately {$940.00} the amount credited to our loan amount. 
Due to the delay in the closing of our loan until XX/XX/XXXX you destroyed our credit it dropped by 100 points. You then claimed that you paid the taxes on our property in XXXX and when it was discovered that it was a duplicate payment, you chose to credit those funds to our loan balance. 
When we contacted you, you said the amount reimbursed to our loan could not be held in escrow because it would then have to be returned to us ( which was impossible due to the IRRRL ). As far as I can tell, the escrow shortages will have to be paid at the end of the year. Needless to say, we do not have {$1000.00} available to us and we now have poor credit due to your closing company. We are reaching out to you to work with us to settle this issue. 
An apology for any inconvenience caused us just doesnt cut it. We have not forgotten that according to our contract with Loan depot.com ( and insured by the VA ), it was broken when you failed to pay off XXXX XXXX  within 5 days of closing according to the contract. We are also contesting that we were offered a payment that you miscalculated on all our official documents and signed by us at closing, and that now you plan to raise our payments by over {$100.00} a month above the amounts verified and approved by the VA. We have yet to receive confirmation on the increase which we ask for in writing. We are contacting you through Consumer Protection so we will have a record of your answer.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX ( f/k/a XXXX XXXX XXXX ) took over my loan. After suffering a financial downfall in the recession we tried multiple, multiple, times to modify. XXXX had a Foreclosure Mill file for foreclosure while we were still submitting for XX/XX/XXXX or so time paperwork for a mod. Foreclosure was stayed b/ this is our primary residence and due to the DOJ halt on foreclosures on primary residence. The case was dismissed and XXXX quickly agreed to not only a modification but also a principal reduction. GREAT! We did our trial payments ... .we signed a modification agreement finalizing the conditions and all was back on track. A few months in I received a notice that our new payment was going to increase by several hundred dollars??? WHY? Apparently there was a negative {$13000.00} in our escrow account that was throwing off the monthly payment. I quickly called my BofA representative that handled our modification ( Not there anymore ), Called/ emailed the Foreclosure Mill that was involved as a contact with my modification. No help. Then went through the multiple departments at XXXX to try and correct the problem. Some reps in certain dept. said, " Yes, I can see the error but I can not correct it. '' They would just direct me to another department without any resolution. I was told the only way to try and clear up the error would be to apply for another modification. WHAT? I do not want another modification. I just want this error on the escrow account corrected! I ended up sending in all the modification docs yet again b/ it seemed to be my only option. I was denied and then sent to appeals ... .then my loan and servicing was closed/sold/transferred to Selene Finance . I quickly explained the situation to the Selene rep. that seemed to have NO information about my past with XXXX. I then sent a QWR certified mail requesting information on the accounting/servicing/terms of the loan they now claim I owe them. After XXXX days I received a reply from Selene which said it had enclosed items such as payment history, detailed acct. history, etc. etc. But none of those attachments were in the packet. I sent A SECOND QWR that was acknowledged by Selene on XXXX/XXXX/XXXX and again it has been 45+ days with no response. My concerns are 1 ) Selene Finance is not adhering to RESPA rules ( over 30 days, NEGATIVE reporting to credit agencies ) 2 ) My original XXXX loan was registered with XXXX but has been inactive since XXXX. 3 ) The assignment recorded in my county has known robo-signers with lapses in recording dates. XXXX XXXX No one will seem to give me a proper chain of XXXX. XXXX ) The assignment from XXXX to XXXX on file at XXXX XXXX is signed by ASSIGNOR : XXXX XXXX. XXXX XXXX is the VP for Selene. Where is the signature from XXXX to Selene? How is it they can purchase my loan at a steep discount and then try to collect much more? How do they have the right to report my loan since it originated on my credit report when they just purchased it 5 months ago?
Product: Debt collection

I have reached out to Southwest Credit three times via certified mail over the past three months. I have asked on all three certified mail letters that this debt is not correct and that I would like to have removed from my credit report. I have only had one letter come back to say that the dispute has been reported and that this bill is correct. I responded back via certified mail that I would like to know the procedure used to determine the accuracy and completeness of the information is requested within 15 days of the reinvestigation. I asked for names, addresses and telephone numbers of each person contacted regarding this alleged account. I also asked for any documents to be provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. I also made clear that any automated response or XXXX verification is unacceptable as verification. I have not received any such clarification from Southwest Credit to this day. This is clearly a violation of the Fair Credit Reporting Act and if not resolved, I will be forced to take action in a small claims lawsuit.
Product: Debt collection

I asked for a 'Hearing ' and they made a determination without including me in the 'Hearing ' itself. They are adding all sorts of late fees and other charges to this account which I feel is fraudulent. I sent this company documentation which they didn't receive even half of what i sent, which i sent to them via XXXX XXXX and I have a record of this. Is there no statue of limitations on a student loan which I got absolutely NOTHING out of but more bad credit and threats. This story goes on and would like to start from the beginning but will wait for response first.