23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a modification by XXXX XXXX XXXX in XX/XX/XXXX after 2 years they increased payment by {$100.00} then {$200.00}, I thought it was escrow issue but then i noticed nothing changed and filed a dispute with XXXX and they lowered my mortgage back to the agreed amount. 

After this they sold loan to Green tree. Green tree began to state i was behind on the morgage every date they provided i gave them proof of payment. With this they still sent me letters that i am going into forclosure. Recently they sent me a modification for a higher intrest rate and threatened me with foreclosure if i didnt sign, i refuse to sign because again every date they said payment was missing i gave them documentation it was paid.Also the modification payment would increase by about {$800.00} from {$2300.00} to {$3200.00}. 
They refused to accept my XX/XX/XXXX payment at first and accepted it ( XX/XX/XXXX ) they but stated next month they would charge me {$300.00} dollars more and they would still proceed with forclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a State Tax Lien for {$14000.00} appeared on XXXX, XXXX, and Transunion credit reports. I took action right away and was able to prove to the Franchise Tax Board that they had filed this in error. I submitted documentation and filed a dispute with all 3 credit bureaus. Within 30 days, XXXX  and XXXX removed this tax lien off my credit profile. Transunion however never notified me of results. I have attempted to call back on XX/XX/XXXX to see why my dispute was not processed properly. Not only was I on hold for more than 30 minutes, but the person helping me was extremely difficult to understand and there is clearly a language barrier. It sounded like they were reading of a script and could not answer any of my concerns. To make matters worse I was told they had no record on my dispute in XX/XX/XXXX. I filed another dispute on XX/XX/XXXX with confirmation number XXXX. I was told by the person helping me that their verification is electronic and they only verify my personal info such as name and social security number. This matter is impacting my ability to purchase a home for my family. I find it difficult to understand how a creditor can file ANYTHING to a person 's credit report, specially something that can not be verified but in order to prove that its not mine I have deal with it for months and go through a process that clearly is not on my side.
Product: Debt collection

I checked my credit report and found this collection on there, I never used this and have no knowledge of the dept
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I noticed some inaccuracys contained in my credit report. Due to the recent data breechs and identity theft I contacted the EXPERIAN on XX/XX/2018, and notified them of the inaccuracys and asked requested additional information from my consumer credit file so that I could compare it to my records. Additional I listed and detailed the inaccurate information published on my credit report and sent in physical evidence so the bureau could see proof for themselves. 

EXPERIAN has not challenged or disputed the evidence I sent but only claims to have verified the obvious inaccurate information. 

To date EXPERIAN has failed provide any documentation to support their alleged investigation or remove the inaccurate information. Yet, EXPERIAN continues to knowingly publish false information about me for others to view. 
I know Im just a little guy. What can I do to get this large company to follow the law?
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card today XX/XX/2020 and I was not approved because there is an account in negative standing appearing on my credit report. This account is not mine ; I did not open this account nor have I ever allowed anyone to open this account on my behalf. I'm not sure who opened this account or how this person got a hold of my personal information. I did not make any purchases or payments towards this account nor am I affiliated to this company in any way. I have filed this report to the best of my knowledge and I have also already filed a police report regarding this account.
Product: Credit card

Where to begin with this XXXX XXXX XXXX company?! For starters, I indicated that I was experiencing a financial hardship and called initially to find out if there were any financial options, since I am one payment past due. However, during my first phone call I was told that I needed to callback because enough time had not passed and in order to qualify for the program because you had to be at least 2 payments past due. However, when I called back on today ( i.e. XX/XX/year> ) I was told that I finally qualified for the financial hardship program and was offered to pay as low as {$10.00} a month for 6 months in the " fixed '' program where I would not be able to use my credit card, my interest rate would be decreased from 30.49 % variable interest rate to 0 % fixed rate, no late fees would be applied, and after making my payments consecutively on time for 3 months ; my account would be considered " current ''. I also confirmed that after accepting the offering, I would receive an email packet with all of the terms and conditions. What didn't seem logical was the fact that Ally Bank LITERALLY will continue to report your account delinquent during the 3 month period where you are paying your first payments to bring your account current. When I asked about Ally Bank and why they would purposefully report incorrect information even though consumers are making payments as part of the financial hardship program both representatives that I spoke advised that " they could not provide me with this information '' but then the first agent that I spoke with stated that " payments are reported as negative/or derogatory to the credit bureau once they are 60 days past due '', then the other agent stated that " payments are reported to the credit bureau once they are 30 days past due ''. Based on this information, I decided not to enroll in the financial hardship program because when payments are reported late this decreases your credit score and your credit rating, however, Ally Bank is aware that they are breaking the ( FCRA ) Fair Credit Reporting Act and could care less as they are deeply committed to abusing their power as a bank, so that they can achieve their financial goals. This is the equivalent of kicking someone in the face then acting as though they didn't kick you in the face ( i.e. kicking someone while they are down ). This abuse of power in conjunction with force, coercion, deception, and monstrous behavior that Ally Bank uses should be taken lightly as their agents have been trained to be completely oblivious to any information that you provide to them and merely keep asking you repetitively " if you would like to enroll in the program '' ; offering you no other options because they have offered you an option " that is too good to be true '' just for you to end up with incorrect/and inaccurate information reported ON PURPOSE by Ally Bank .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$410.00} on XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have never, not now nor in the past, had a credit card with either XXXX or XXXX. These accounts are being reporting in error and need to be removed from my credit report. This false reporting of a collection is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

I have been informed by the original creditor that Transworld System Inc, is the collector for this debt, I have never been informed and or received any type written communication or notice from Transworld System Inc.
Product: Mortgage

New Rez Mortgage system fails to deduct payments from bank account. We specifically schedule payments to track them. Upon emailing them, they deducted the payment late. 

Again we decided to track and took pictures of the payment pages when scheduled. Still not payment has been taken out. When we try to login to their website, their website is down and certificate is expired. Trying to call no one answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was open in XX/XX/2011so it as well over seven years old they are reporting negatively on all three of my credit reports they will not remove the account and each month they keep reporting an extra XXXX some dollars in interest fees they have it marked as a charge off on my credit report which is past seven year mark which is very negatively destroying my credit this is the only thing negative I have on my credit and I would like them to remove it I tried to contact them and they will not remove it I tried to dispute it with the credit bureaus they will not remove it you are my last option please remove it thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have inaccurate information reporting to my consumer report. The data furnishers are not in compliance with FCRA. I am a victim of identity theft and these accounts a fraudulent.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i disputed XXXX XXXX XXXX XXXX to XXXX   and equifax and XXXX  and no one has done a full investigation into the credit card. I'm reaching out to you because i also called these bureau explaining that i reach out to the collector and then to the collection office where i paid my full payment. They both don't have any information on their system with my name or bday or social and a year ago i pay XXXX XXXX XXXX XXXX. On XX/XX/XXXX i explain again the situation and still the update to my account remains the same with the statement " updated- information on this item has been updated. please review your report for the details '' meaning they put a new date that the account was reported when this account was first reported in XX/XX/XXXX and they continue to put in false information. I have all the proof of them changing all my current information to new information that does not make sense to my account. Please i need to get help with this cause their doing this to all my accounts that are negative that i am trying to fix and making the situation harder on me. I have all the proof if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the account listed below 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. 

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: Checking or savings account

There was fraudulent charges on my account a I tried to dispute it a they refused a said they were closing my account. There was a balance of roughly XXXX XXXX my account I never received a ck or nothing. I had direct deposit going to that account. Which I dont even know what was ever deposited. I was forced to get another account elsewhere
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS Account Number : XXXX Delete this account.
Product: Credit reporting

XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated. date opened is wrong. lots of things wrong on the report. date opened was not XXXX XXXX, 2008. I disputed the account details and they are refusing to verify the information.
Product: Credit reporting or other personal consumer reports

I checked my LexisNexis XXXX XXXX in XX/XX/year>, and found multiple errors. I have disputed all the items, and they have not taken them off the report yet. These are items that should not even exist. There are addresses associated with my name that do not exist in the world. They have me listed with a drivers license in Florida. I have never been issued a Florida Drivers License. They have my mother listed as my spouse. The number of errors are frightening. The data accuracy can not be over 50 %. This company should be investigated and shut down. There is now way to verify they have removed the incorrect information. They keep sending a new report with the incorrect information, and never take it off. The only way to dispute an item is to call in, and the wait time is over an hour each time you call.
Product: Credit reporting or other personal consumer reports

I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a THIRD. I have a payment due as of XX/XX/year> for the amount of {$XXXX} I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that this is not my debt but they did nothing, along with many other accounts on my credit reports.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my XXXX What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these XXXX, and yet the XXXX accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the month of XXXX, my account for Honda Financial Services was no longer being reported to all three major credit bureaus because my account was removed for no specific reason. I called Honda Financial Services and the representative could not give me a clear answer as to why my account was removed. For that reason, my credit score dropped tremendously for all the credit bureaus. Yet, I was still being billed for the car and responsible for making payments on the Honda XXXX. Basically I should still be held accountable but not Honda. They do whatever is beneficial to the company. I then sent a letter to the credit reporting disputes headquarters of Honda in XXXX, Texas. They replied back by sending a letter. Within the letter it said that the credit reporting of my account would be updated to all three major credit bureaus. However, it's been more than six months since then and my account has not been reported to any of the credit bureaus. This is extremely frustrating to be taken advantage of by a company who claims to be helpful. That has not been true in my experience. It feels like I'm just throwing away money to a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification on XXXX XXXX 2017 that Equifax was hacked.
I accessed their webpage XXXX XXXX XXXX and was notified that my information may have been affected by this hack.
Product: Mortgage

d ) Any person transferring the servicing of indebtedness as provided in subdivision ( a ) to a different servicing agent shall provide to the new servicing agent all existing insurance policy information that the person is responsible for maintaining, including, but not limited to, flood and hazard insurance policy information.XXXX XXXX XXXX XXXX So did you pay ins or taxes when you miss applied, absconded with, or otherwise negligently put XXXX XXXX into an escrow account! Or later stole, embezzled, and refused my demand to return that XXXX XXXX amount. 

Wheres the money!!! Where did u apply my escrow? Did you pay taxes or ins. You took the money. Where did it go. And stop blaming the servicing company for your theft of my XXXX XXXX that you STOLE from me. The escrow I DEMANDED return of.
Product: Credit card

Im filing a complaint against the Kohls Department store and their Credit Card issuer Capital One, N.A. 

On my Kohls XXXX 2024 statement a charge described as ADJUSTMENT-PURCHASES {$150.00} was added to my account. I notified Kohls-Capital One customer services that I have no record of this charge. Please provide me proof of sale that shows a purchase receipt identifying the purchase and a copy of my signature, which is required for all Kohls purchase. A letter dated XX/XX/year> was sent to me by Kohls customer service stating that they would investigate On XX/XX/year> I received a letter from Kohls customer service stating, After a review of the purchase in question, we have determined the charges were not fraudulent based on your account history and activity. Therefore, the charges will remain on your Kohls credit card account. THE REQUESTED PROOF OF SALE RECEIPT WAS NOT PROVIDED. 

In XXXX, after they put the ADJUSTMENT-PURCHASES {$150.00} back on my statement, I called Kohls customer service again explaining that they have not provided me the proof of purchase receipt. They agreed again to investigate as documented by their letter to me dated XX/XX/year>. 

On my XXXX statement they ADJUSTMENT-PURCHASE {$150.00} was put back to me without any letter describing why the charge was put back on my account and why they did not provide proof of sale purchase receipt. I CONTACTED KOHLS CUSTOMER SERVICE AGAIN ON XX/XX/year> THAT THEY CONTINUE TO NOT PROVIDE THE PROOF OF RECEIPT ON A CHARGE THAT I HAVE NO RECORD OF. They said they would take the charge off my statement and investigate further. 

Unfortunately on my XXXX statement the charge was put back on my account with no letter why they continued to put a charge on my account that I have no record of and they can not provide a proof of sale receipt showing what was purchased and my signature, now subject to 31.24 % interest. 

I have had my Kohls account for years that has made all payments promptly. To be treated in this way by Kohls is a form of elders abuse. Im a XXXX XXXX trying to get by and having to deal with a company that I felt secure with now seems to be a BULLY. PLEASE HELP.
Product: Credit card or prepaid card

I received a credit card directly from a sit down at Citizens Bank in XX/XX/XXXX as they said '' pre-approved '' No verification of wages was ever obtained and they said that is not done on a pre-approval ... which i do not feel is true. 

I am on XX/XX/XXXX of {$11000.00} annually. I was issued a card for {$7500.00} Prior to and thereafter was hospitalized for my schizoeffective disorder and then went shopping and maxed my card. 

I have 3 other account which i owe nothing on and should of either been denied or given a lower amount if the credit check and income was verified. 

I can not afford payment and my mom has been helping to avoid crashing my credit. I do feel at fault even with my mania to pay the bill. 

I reached out in XX/XX/XXXX and was offered a payment plan and interest of 2.9 % for 5 years and then they said the account wasn't old enough to warrant a plan. 
So i waited until 6 months and sent in documents for hardship and my income again to be told the account wasn't old enough. I am trying to get a reasonable payment plan, interest or settlement. 

I called again today XX/XX/XXXX and was told to send in a hardship letter because the account is current ( because my mom is paying ) as i stated to not ruin my credit any further. 

I feel the bank was dishonest and inproper practices of card issueing. I would like the bill to be reduced to what i should have offered at application which is nothing or far less than the {$7500.00} i got. 

If they had done a verification of income i probably wouldn't have received a card bing that i have 3 other cards with available credit of more than XXXX total. This is concerning. 

Please help me make the bank responsible for their errors and for myself to get out of this mess. 

The process seems unethical and unfair and i can't anyone to help me. 

I explained that i know if it goes to collection they will not get any money as they can't garnish my social security. I stepped forward to resolve and they aren't willing unless i jump through the same hoops with the same answers and nothing being done to help me.