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

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXll are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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

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 card

I have two credit card accounts with Capital One in which they made a decision to close. I've been having a hard time trying to keep up with inflation and managing/budgeting my accounts since losing my job a few months ago due to lack of work ( mortgage originations ). I am a single parent, full-time student ( new career path majoring in IT ), currently collecting XXXX XXXX XXXXnd my Dad who is a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Prior to Capital One closing my accounts, I worked hard keeping up with my monthly payments. I have recently asked Capital One if my payments could be lowered and explained my current situation, Representatives said " we're unable to because of the way the accounts were closed ''. It appears interest is still accumulating on both of the accounts. In addition, no one has reached out to me to discuss what has changed in my financial situation prior to closing my accounts. I have reached out to my other credit card companies whom I've had a shorter relationship with and they were willing and able to help me lower my payments. It is hard to understand how no new changes can be made to an account to reflect a financial hardship and/or no options are available to assist customers dealing with a financial hardship, but Capital One can continue to collect " new money '' ( interest ) on the same accounts that they deemed " closed '' and have reported to the credit bureaus as such.
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 XXXX XXXX XXXX. 
XXXX XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX 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 XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 

This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws. 
Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 - Signed up for Experian monitoring and XXXX  services and did not increase my credit score as advertised. In addition, lowered my credit score after opening a dispute in order to have me enrolled in an increased paid service.
Product: Credit card

The company didn't advise that my credit limit was reduced from {$5500.00} to {$1700.00} I was confused because I had made a payment for {$1600.00} & my card was declined for a purchase of {$150.00} when I thought the total balance on my account should have been lower than {$1700.00}
Product: Debt collection

I have repeatedly filed disputes with credit bureaus disputing the bill! They just keep changing the date the debt opened! They claim I owe {$4400.00} for a XXXX bill opened on XX/XX/XXXX and went into collections XX/XX/XXXX! After I disputed the debt as not mine they changed the opening date to XX/XX/XXXX and still never sent me a detailed bill! I have XXXX XXXX starting in XXXX up to XX/XX/XXXX when I switched to XXXX XXXX XXXX I even took my phone numbers with me to XXXX XXXX XXXX! They paid for us to switch! They claim I became late and in collections as of XX/XX/XXXX! If that was true how did I have service til XX/XX/XXXX when I switched and took my numbers with me! My phones and accounts would be canceled! I have contacted them several times by phone and they wont give me a detailed bill or investigate the bill! Its not mine
Product: Credit reporting, credit repair services, 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. 

1.XXXX XXXXXXXX Credit Card Opened XXXX, XXXX XXXX Account # XXXX Limit {$500.00} 2.XXXX XXXXXXXX Credit Card Opened XXXX, XXXX XXXX Account # XXXX Limit {$300.00} 3.XXXX Credit Credit Card Opened XXXX XXXX XXXX XXXX Account XXXX XXXX Limit {$1000.00} 4.XXXX Opened XX/XX/XXXX Account # XXXX Limit {$250.00} 5.XXXX XXXX Credit Card Opened XXXX, XXXX XXXX Account # XXXX 6.XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Limit {$400.00} has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Mortgage

Hello, I have got my loan in early 2017, and during the process I have filled out paperwork what my new mailing address should be. which was n't processed ive called and emailed to get this changed and unable to change my mailing address. any more action that would be needed from me is un warranted due to this being filled out during my loan. Please help with this abuse
Product: Credit reporting, credit repair services, or other personal consumer reports

In my last complaint, I disputed some items that are erroneous and do not belong to me whatsoever. Please block the items that are erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$3000.00} XXXX XX/XX/XXXX The addresses stated above are not my current address The accounts above are inaccurate and fraudulent. Im seeking Litigation. 
The inquiry is unauthorized and fraudulent. 
Please delete them at once.
Product: Vehicle loan or lease

During the COVID epidemic, which resulted in a reported 38 % increase in used car prices, several major manufactuers ( XXXX, XXXX ) instituted policies which precluded lessees from exercising the purchase option outside of their own dealership of forcing the lessee to purchase the car themselves and then sell it.I received offers from both XXXX and XXXX at substantial amounts above what XXXX  was willing to pay after I found out I could only exercise my sell through a XXXX  dealer.It is obvious that XXXX  wanted a major piece of the equity buildup, even though they had priced the initial lease with their standard profit margin.I do not see how this policy was deemed legal and in violation of consumer protection.
Product: Student loan

XXXX has over charged me and fail to inform me where all the charges are coming from. I took out one loan and now it is up to XXXX , but the cost of my school was only XXXX $ for all 4 years, so I do not understand where the XXXX $ is coming from. They also want me to pay {$15000.00} a month which is beyond ridiculous. The entire company just seems fraudulent and I see why they have a lawsuit out. DO NOT TAKE LOANS FROM XXXX EVER!
Product: Credit card or prepaid card

So I signed up for this Direct Express Card to receive my benefits. But the method to login to my account presented problems. I did fix the login issues with the rep. But due to the old DE website, was unable to further login to check, update information. I'm trying to reach out to the SSA to change back to my old bank. I don't recommend that anyone received social security benefits use Direct Express due to frustration with getting online to view accounts and fees ridiculous. Local banks are better to use from my experience.
Product: Mortgage

XX/XX/2019 - US Bank Home Mortgage Website for Mortgage For the last several months US Bank and its website have failed to process my, " in full, paid on time, monthly house or mortgage payment via their website. Since I happen to be a customer who actually likes to pay on time, before my scheduled pay date and extension window, each time I get a processing error message. This then results in the following actions : I trying again or several times, logging out, logging back in, opening a new tab, changing to a new or different browser, coupled with my clearing my cache, or perhaps restarting my computer. The last and final step is an immediate direct phone call to US Bank Mortgage 's department listed on their website and also on my monthly paper payment stub. If you are lucky to catch them during business hours, for us West Coast members this is not conducive at all, as times are CST XXXX-XXXX   XXXX - XXXX and XXXX. from XXXX - XXXX. If you are able to actually reach someone they are able to process your payment over the phone but that department has not been given the authority to email the owner/user email confirmation of payment just made for record-keeping purposes. Please note, this was the case for the XX/XX/2019 payment in which the same website again had a process error but this time looked like I might be charged 2-3 times. Each time I have to go back, wait until the next day to call back during said business hours to confirm did you US Bank, in fact, receive the payment, is it correct, how many times has it been processed, am I being charged more than once? Most importantly where is confirmation payment has been made and thank you for your business. Sorry that option does not apply here. The nice person informed they do not have that option to email. From a business standpoint, I can understand and respect limiting certain things however some process has to be in place for payment confirmation. US Bank recently made a website change roughly about 6 months ago. The so-called user/member dashboard interface is meant to be easier but I should not have added extra steps when making a payment. I can see for some it might be confusing, but most of all it has been riddled with processing errors and quite frankly I am sick of calling each month to verify my payment or more importantly make one, and then wait to see when they US Bank is going to get around to sending me my automated " thank you we received your payment here is your confirmation number! '' I would hope your team would be kind enough to look into the matter and come to a resolution with US Bank as to the process. As a company I am very happy and as a new homeowner ( first-time ) I would simply like to have a smooth process and not have to go in circles each month stressing over the house payment!!! I just want to pay and get it over with!!! 

Happy New Year CFPB - XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

Inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year>
Product: Credit card or prepaid card

My monthly due date of Discover Credit Card is XXXX. I MANUALLY made a full payment of XXXX statement which was {$470.00} from my XXXXXX/XX/XXXX checking account on XX/XX/2020, however, Discovers system made an autopay on my XXXX XX/XX/XXXX checking account for full payment of my bill. It means therere 2 full payments for my XXXX statement, and I found both of their status were POSTED on XX/XX/2020. So I called Discovers hotline immediately and told their agent I only wanted to make one payment. They canceled one of those 2 full payments for me. I thought it was done for this case, until I found there was one more autopay from Discover with same amount for my statement was made on my XXXX XX/XX/XXXX checking account on XX/XX/2020. Then I called Discover immediately again, and asked whats going on. They told me their system found their first AUTO DEBIT from my account was unsuccessful, so this was systems second try automatically. But Ive fully paid my statement on XXXX. I dont know which payment you manually canceled one of them for me on XXXX, but now, my statement was fully paid. Before you system automatically debit for your second try, wouldnt your system check if the bill had been paid? Theres no public holidays or weekend during this period, your second debit was made after I had paid my bill 2 business days ago. Now, your second time debit made me have overdraw fee at XXXXXX/XX/XXXX which costs {$35.00}. Ive talked to XXXX XX/XX/XXXX but they wouldnt waive this fee for me. I called Discovers hotline and told an agent the whole story, she told me Discover wouldnt refund rewards which equals to {$35.00} to me. This is Discover systems bug, however, they need me to pay for their bug. I asked her extension or name, she rejected to provide any reference information to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America, XXXX XXXX, and XXXX XXXXXXXX/XXXX XXXX XXXX The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is XXXX XXXX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit card or prepaid card

I'm having a problem with XXXX XXXX CREDIT CARD ... .I NEVER USED IT AND THEY PUT ON MY CREDIT REPORT A BALANCE THAT IS NOT TRUE ... THIS CAUSED MY CREDIT SCORE TO GO DOWN 54 POINTS ... .I CALLED THEM AND THEY SAID THAT THEY WILL SEND XXXX A LETTER STATING THE ACCOUNT WAS CLOSED AND THEY REMOVED THE BALANCE TO A CHARGE OFF ... .IF THEY DID EXPERIAN NEVER FIXED THIS PROBLEM ... .PLEASE HELP
Product: Student loan

I am not able to pay the monthly payment because of Covid-19.  Sallie Mae is refuting to process my deferment request.
Product: Mortgage

Have been trying to complete a short sale of my rental property to avoid forecloser. Had a Cash buyer XX/XX/XXXX. XXXX shellpoint Mortgage declined the offer, asking what the buyers intent was to purchase property, which was to help a friend and keep current tenants in the rental property. Shellpoint forced me to place property back on market XX/XX/XXXX sell price XXXX. Praise XXXX received offered for XXXX send contract to shellpoint who will not put a hold on foreclosure date of XX/XX/XXXX. The buyer is willing to close as soon as contract is approved. Shellpoint is refusing to work to stop the foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681. 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 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 U.S.C 6827 ( 3 ) The term document means any information in any form. I demand this company Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and Experian. The Provisions of 15 U.S.C 1601 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advise that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in contract/agreement giving that option to share my nonpublic information. 15 U.S.C 6802 ( B ) 1b the consumer is given the opportunity, before the time that that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 U.S.C 6802 ( B ) 1c the consumer is given an explanation of how the consumer ca exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and Experian ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I, with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
Product: Mortgage

I have a mortgage with PennyMac Loan Services LLC. My payment was originally {$750.00} for a {$100000.00} 30 year fixed rate loan at a interest rate of 4.5 %. After my first year at the house I received an annual escrow account letter stating that they had calculated wrong and were putting more in my escrow account than was necessary. They gave me a refund of {$1000.00} and told me my new monthly payment would be {$650.00}. I continued to pay my loan, on-time, for the next year. Since buying my home I have never been late for a payment and always rounded up and paid more than the minimum monthly amount. I always fax the company my tax bill when I receive it to ensure they have the information they need as well as my homeowner 's insurance. I received the tax bill this year and did just that. A few months after faxing the tax bill I get a delinquent notice saying my taxes have not been paid and I owed a late fee. So I called Penny Mac and they informed me it was their error and they did n't pay it. They said they would pay the bill and the late fee and the late fee would not go towards my bill as it was their fault. Later on this year I received another annual escrow account letter from PennyMac. They informed me that there was not enough in my escrow account, that I owed them {$4000.00} and a new payment of {$800.00} a month OR they could disperse the {$4000.00} payment and I could pay {$1100.00} a month. I was shocked and called the company assuming another error had occurred. They told me that somehow they forgot to put enough in my escrow account for taxes so they paid the bill and that 's why I owed them {$4000.00} plus my payment was going up. I told them this was unacceptable, that I could not pay a {$4000.00} out of pocket and that upping my payment from {$650.00} to {$1100.00} because of their error was unacceptable. The best they could do after being completely insistent was to spread the {$4000.00} out over 24 months and my monthly payment would be {$880.00}. They then told me I should call them when I receive a tax bill, not fax it, and wait on the line for a person and confirm with them that they have the tax bill. I can not believe this company and its errors. This dramatic difference in payment could be the difference for someone being able to afford to stay in their home or not, it could affect their decision to have a child or not, to take on a roommate or not, or take a trip, go back to school, etc. This company is so error-ridden and expects you to just handle whatever bill they recalculate after their errors. I am incredibly disturbed that they handle my mortgage.
Product: Checking or savings account

On the XXXX XXXX XXXX I went to a atm at a XXXX  gas station on XXXX XXXX XXXX XXXX XXXX I withdraw {$400.00} and got a error message saying '' Depensing error '' along with a receipt o call my bank CHIME immediately to dispute the transaction and explain what happened my dispute was denied even though I showed them the receipt showing I never got any money. This is not a small amount of money. I've been banking with this institution for over 5 years I need help resolving this issue.