23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently received notice from my mortgage company, Flagstar Bank, that my payment is increasing due to an escrow shortage. While I understand that this may happen, there is no explanation for the increase. The notice states there were was an increase in escrowed items, however there has been no increases in my property taxes. I have been unable to reach my mortgage company during their business hours despite several attempts. I need help getting this resolved as soon as possible as my payment has increased by over {$300.00} a month and I am unable to any answers.
Product: Credit reporting or other personal consumer reports

I did not mean to dispute my XXXX XXXX XXXX XXXX since that is current and that is my account. I was moving too fast when I was going through my hard inquiries. I did not know that that was one of them. Please disregard since this account is mines and I have been paying on it on time. My last payment date was XX/XX/2024. Please do not dispute. Please leave open! Thanks But I do not recognize that XXXX XXXX  account, which is a revolving account for {$1000.00} And I do not recognize XXXX XXXX XXXX XXXX  for {$2400.00}. The address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove that off my address as well since I have no knowledge of that or these credit card charges are fraudulently and not authorize. Thanks.
Product: Mortgage

I applied for a loan modification with Wells Fargo Mortgage in XXXX. I have received no information on the status of this application since then. On Wednesday, XXXX I received a Foreclosure Notice of Sale auction to be held on XXXX. This leaves very time to deal with this, to find suitable housing and to move out of my current home ( the XXXX in Foreclosure ). I have been informed by a reputable Attorney that this is " Foreclosure Dual Tracking '' and is in violation of the Homeowner 's Bill of Rights.
Product: Credit reporting or other personal consumer reports

Hello, the account ending in XXXX was opened under an address that is not on my file nor has it ever been my address. Additionally this account was opened XX/XX/2020 meaning it has fallen out of the Florida credit statue of limitation of XXXX years. due to the incorrect information being reported my credit has suffered, at the hands of a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been reporting these accouints XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX USA N A ) XXXX and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX USA N A ) XXXX for a long time. A Charge Off Account with Balance? The bureaus keep on reporting inaccurate information on my credit file? I even asked for verification and I never received any correspondence from them ( Equifax, XXXX, and XXXX ) This account is reporting incorrectly. I see Different dates on last active which is inaccurate. Attached are my dispute letters and the recent screenshot of my credit report XX/XX/2022
Product: Credit card or prepaid card

I requested an " additional card '' on my existing American Express Account to allow an independent XXXX, XXXX XXXX to make business related purchases for me while I was attending other things. 

American Express had no right to tag her and hurt her credit score as a result of this " affiliate '' card, which should have never been construed to mean that XXXX was accountable for any of the debt existing at the time or for any new purchases. 

XXXXXXXX XXXX  credit score immediately reflected the high balances form XXXX XXXX and hit her credit score for XXXX points dropping below XXXX. 

I contacted American Express immediately by phone once I was notified by XXXX. AMEX did nothing to correct the problem. 
They sent a letter stating I should contact the credit bureaus, which I did in writing and copied to AMERICAN EXPRESS and XXXX. 

No corrective steps have been taken. 

I requested for AMEX to cancel the " affiliate card '' which was never ever used for a purchase and to correct the record in XXXX 's history that that card was never her responsibility to pay or otherwise be associated with. 

I feel that this issue is one that CFPB should get directly involved in and correct where it is likely affecting 1,000 's of people every year and it is a gross overreach by credit card companies and the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank, XXXX XXXX XXXX XXXX, allegedly submitted a collection to MS Services in the amount of {$150.00}, but I do not owe the bank any money. The bank denies submitting the claim to the collection 's agency and my final statement clearly shows a zero balance and that I do not owe anything. Especially given the times, I am unable to open a bank account or get a credit card and need this matter fixed immediately. I sent the collections agency a letter, as they were extremely rude and would not work out the oversight over the phone on XX/XX/2020 and I would really appreciate some assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, XXXX XXXX, Account # XXXX, 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 an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit card

I screen recorded a conversation with customer service in which they refuse to apply my payment to a specific promotional balance that was ending.
Product: Debt collection

On XX/XX/2022 I got a report on my credit that Credit Collection Services is still trying to collect an amount that I disputed. They never mailed or sent me confirmation of my dispute before reporting this on my credit report. 

I called on XX/XX/2022 I called at XXXX and was so frustrated this was on my report. I offered to pay it if they would just remove it. 
The company told me they can not remove it under FRCA rules which is not true so I was lied too. 
I explained the amount is wrong and I sent the original collector ( XXXX ) my declaration. I was told they never got it. 
Fact is the amount is wrong and I just want this removed from my report and fixed. I am attaching the declaration with this complaint showing the date. I can not have 2 insurances under MI state law.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, Experian, and TransUnion for failing to respond to my credit disputes within the legally required timeframe. Back in XXXX and XX/XX/year>, I submitted multiple disputes to each of these credit bureaus, requesting investigations into inaccurate information on my credit reports. 

Despite the Fair Credit Reporting Act ( FCRA ) requiring a response within 30 days, I have yet to receive any formal acknowledgment, investigation results, or supporting documentation from any of the bureaus. Their failure to respond is a clear violation of federal law. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) step in to ensure the credit bureaus comply with their legal obligations. Since they have exceeded the 30-day compliance period, I am demanding the immediate removal of the disputed items from my credit reports, along with formal written confirmation that the necessary corrections have been made.
Product: Credit card or prepaid card

I've been using my DISCOVER credit card for about 2 years. I ALWAYS paid my bill on-time and in full each month. Two months ago, DISCOVER froze my card without notification. Then they sent me a notice that they wanted me to sign IRS Form 4506 which would give them access to my federal tax filing information. They didn't need that when they initially issued me credit, so why now. They could not give me a reason nor a reason for freezing my account. So, I would not sign this 4506 authorization and DISCOVER is now closing my account. I want a reason why they froze my account to begin with. And, did they ask 4506 signatures from all their other clients for no reason or did they discriminate against me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone ran a mortgage hard inquiry with my information and I can not see who or what the mortgage company is.
Product: Checking or savings account

XXXX  close my account. I have money in this company account. They toll me about a rebound of this money, but never arrive to my account, I cant check nothing because my account is close. They send me a link but I cant do nothing there.
Product: Debt collection

I had a XXXX  done in XXXX. 

I was not notified that this was out of network. 

My insurance was billed and the maximum allowed amount was {$230.00}- which was paid 12 months later I received a collections notice and several calls about an outstanding balance of {$1300.00}. 

I tried calling several times and finally spoke to someone named XXXX XXXX? ) that told me she could see the payment and that she'd remove this. 

Then I heard nothing for 2 years. Now suddenly they are calling me again ( Clear Management Solutions ) about an outstanding bill for {$1300.00} Within 30 days of receiving that notice I left Clear Management a voicemail disputing the charge. 

60 days later they started calling me trying to collect it again. 

When I told them my rights, they seemed confused and then threatened to send me to an outside collections agency who would charge me a 20 % fee. 

When you read reviews of this company online, I am not the only one being scammed for bills already paid. You can see the reviews here : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with Lowes whose collection agency is Syncrony Bank is reporting a collection amount of a {$0.00} balance and was paid in full. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank which services XXXX XXXX credit card is reporting a list of inaccurate information on my closed XXXX XXXX credit card account. I had filed a complaint with the XXXX  about Comenity Bank reporting unauthorized accounts on my report which they had to remove. Immediately after, my XXXX XXXX account which had been closed since XXXX suddenly had a list of adverse information attached to it by Comenity and it was showing up as a 'recent bankruptcy. ' Ridiculous. The following adverse claims are currently showing up on XXXX, " potential late payment as of XX/XX/XXXX, account included in XXXX  XXXX bankruptcy, dispute resolved consumer disagrees. '' XXXX is reporting, " Consumer disagrees after resolution. '' And my entire positive payment history has been deleted. XXXX is reporting, " XXXX XXXX bankruptcy, consumer disagrees after resolution. '' And the credit alert popped up and said, " New bankrtupcy '' on my credit, taking a huge amount of points off of my credit score. Until now I never had a reason to dispute that account, a dispute indicator was added when I had never disputed that account. And that the consumer disagrees with the resolution. Where did all this completely false information come from? It needs to be fixed immediately. This is preventing my family from applying for safer housing. It's completely unacceptable. I filed a XXXX Complaint against Comenity which they closed without my reply, and a XXXX  Complaint against XXXX XXXX  which they did not answer. I also now had to dispute the account with all three bureaus. This matter remains unresolved.
Product: Debt collection

Vital Recovery contacted me in XX/XX/2020 about a payday loan on behalf of XXXX XXXX for {$1300.00}. We agreed to a pay off settlement of {$550.00} to be paid in 3 monthly installments. My first payment of {$180.00} was completed XX/XX/2020, My second payment was scheduled fore XX/XX/2020 but due to a financial hardship I called Vital Recovery and moved my payment to XX/XX/2020, which XXXX XXXX agreed to. Both payments were successful. However, I was notified my Virginia Unemployment that my extended benefit would end XX/XX/2020. I called Vital Recovery to move my last payment of {$180.00} from XX/XX/2020 to XX/XX/2020. XXXX stated since I moved my last payment and this would be a second time to move my payment they would not be able to honor the settlement agreement. She stated that I would have to pay the full balance. I explained that I do not have a job and would not be able to pay. I just wanted to move the payment of {$180.00} to the end of XX/XX/2020. XXXX stated that her manager stated they could not set up any payments for anything else but the full balance. I am not working and not sure when I will be working again. I mentioned that I would not be able to pay anything until maybe tax time but it would not be guarantee. She noted that she would make a note that I would pay it during tax time.
Product: Debt collection

XXXX / XXXX /  XXXX   Credit Collection Services  XXXX   XXXX   XXXX   XXXX , MA  XXXX   XXXX  This company has continued to call my Mother 's home after I have sent several letters explaining that I do not live there. I am currently dealing with illness. I have filed for  XXXX . I have no job, no income and therefore no means to pay my outstanding debt. I am not trying to get out of paying them - I simply have nothing. My Mother receives many calls from them weekly. This has been going on for almost a year. I have explained to them she is recovering from  XXXX   XXXX   XXXX  and is still undergoing treatments. I have begged them to stop calling her number. They have not stopped.   The numbers they call from are :  XXXX   XXXX
Product: Student loan

Good Afternoon, Several months ago my federal student loan provider was changed from XXXX to MOHELA, according to related federal action. All had seemingly gone well until XX/XX/2022. At this time I received notice that Mohela had placed a credit limit on my student loan account. Worse yet, they placed a credit limit on my account that was less than the balance, making it appear as I had exceeded my limit. My credit report took an immediate XXXX % hit across several accounts at a time when I was considering buying property. I have contacted them by phone and by email, with no response for several weeks. I would greatly appreciate it if you could look into this, because the credit limit does not make sense with this type of credit, and the obviously low amount reported to the credit agencies is damaging to my credit reputation. Thank you. 

Respectfully, XXXX XXXX
Product: Checking or savings account

A check written to the XXXX XXXX Tax Collector Treasurer for {$8500.00} dated XX/XX/XXXX was mailed by me at my local post office in XXXX CA XXXX, on or about XX/XX/XXXX, was fraudulently endorsed and cashed through a personal account at a Wells Fargo branch on XX/XX/XXXX. I saw the check had cleared my account within the week after mailing and had no idea it was fraudulently cashed by someone other than the Tax Collector until I received a default tax letter in XX/XX/XXXX from the Tax Assessor stating my taxes were not paid and I was in default. After checking to see the check had been cashed and that the tax accessor had no record of the check I requested a copy of the cancelled check through my banking institution. XXXX XXXX XXXX. My Banker at XXXX XXXX XXXX and I then filed a Fraudulent Check Complaint # XXXX and submitted all the required documents to support the claim. 
Wells Fargo has a complaint number of # XXXX. 
I also filed a complaint with the US Postal Service online for investigation. I was told by XXXX XXXX XXXX XXXX that Wells Fargo Bank had up to 120 days to resolve and refund my {$8500.00}. As of the date of this complaint ( XX/XX/XXXX ) I have only received an automated message that my claim is pending research and there is no timeframe for resolution. I have all the documentation to support my claim and would formally like to file a complaint with your agency to help me resolve this issue. Please let me know if I can provide any further information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

My credit report shows a collection for Central Portfolio Contro in the amount of {$850.00}, originally from XXXX XXXX XXXX XXXX. My bill was paid by XXXX XXXX and I was told by the insurance company that I did not owe any additional monies. Then the remainder of the bill was sent to collections. Original injury date of XX/XX/year>.
Product: Credit reporting or other personal consumer reports

writing to request that I not place any additional information on my credit report. My intention in writing this letter is to preserve the privacy and integrity of my credit history. Understanding that in certain circumstances, financial institutions and other entities may require access to my credit report to evaluate my creditworthiness. However, at this time, I do not want any additional information to be placed on my credit report.
Product: Debt collection

LVNV Funding LLC {$980.00} I dont know who this creditor is. They are taking wages from my paycheck. XXXX XXXX, 2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern I asked the credit bureaus to do a verification of everything on my credit report, which they did and they verified with me that everything was accurate. However, I did my own research and found improper inaccuracies on the credit report. After disputing the XXXX  loan account with XXXX  XXXX XXXX starting with account # XXXX, I disputed the information with XXXX, XXXX, and Equifax. I found several inaccuracies even after an FCRA investigation was completed. There are several inaccuracies on the high credit limit, last reported date, and last active date. According to the fair credit reporting act, that I included below, the credit bureaus credit report was not completed accurately and due to this, I want all information associated with this account deleted off of my credit report. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C. 1681 section602 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 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a police report and identification information for Equifax Office of Consumer Affairs Department to review. The following accounts listed on my Equifax credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX, {$560.00}, and XXXX XXXX  XXXX Credit Card, {$1800.00}. The following accounts/cards are lost/stolen : XXXX XXXX Credit Card, XXXX Credit Card and XXXX XXXX XXXX XXXX Credit Card. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a debt on my credit report and is in violation of Sec. 36a-809-13. They don't have verifiable information to do so and this is against the FDCPA law, therefore this account needs to be deleted from my credit report immediately. This company is also in violation of not being licensed in my state to collect any alleged debts that they say I owe.