23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights 15 U.S.C 1681section 602 A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 it also says a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Hey I Just Checked My Credit Report, and I received A Copy Of it, Why Are You REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT? 
ACCORDING TO 15 U.S.C 1681s ( 2-3 ) According To 15 U.SC. 6801 & 6803 Your VIOLATING MY RIGHT AND DAMAGED MY CREDIT REPORT, BY Reporting THIS INACCURATE DEBT, THAT you SOLD TO AN NON AFFILIATE 3rd Party COMPANY. WITHOUT MY PERMISSION.

ALSO you File With the I.R.S that this DEBT is an Total Loss in Revenue.

Then you Didn't Send Me The 1099-C form when you Wrote this DEBT OFF AS AN TAX WRITE OFF AND STILL REPORTED ON MY CREDIT REPORT EVERY MONTH WHY?

I never Received Any Opt Out Options for the Non affiliated 3rd party Company, Where is the Form? 
Send Me All Copies Of The Debt Buyer.
Product: Vehicle loan or lease

I am a victim of the XXXX Identity Theft Scheme
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I made a payment to XXXX XXXX XXXX in XXXX, NE. I was running a little late on my payments so I made a payment of {$30.00} on XX/XX/2018. The amount shown past due at that time was {$28.00} so i actually paid more than what was shown as overdue. The payment was due on XX/XX/2018 so I made the payment early. They havd notified the 3 credit bureaus that I was 30-59 days past due, which is incorrect.

This has had a substantial negative effect on my credit score. Since the total amount due shown was {$64.00}, due by XX/XX/2018, how was I late. The amount circled shows the past due amount. While I was a few dollars short of the actual payment due, I still paid the overdue amount before the date due. Is this some sort of scam on the part of this company to charge more fees? This looks like a deceptive trade practice to me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX
Product: Mortgage

Annual escrow account disclosure received from First Merchants Bank dated XX/XX/XXXX shows my monthly mortgage payment will be increased to XXXX. 
This is the amount I've been paying for XX/XX/XXXX and XX/XX/XXXX. 
My monthly statement dated XX/XX/XXXX shows my monthly payment as XXXX XX/XX/XXXX I called the bank XXXX at XXXX to see why the amounts don't match. The rep told me she wasn't able to provide me an explanation for the discrepancy. She created a ticket and said that I would receive a call within a week from their dedicated department. 
No such call was received. 
Instead, I received a transaction statement in the mail dated XX/XX/XXXX, but no letter of explanation for the payment discrepancy was included. 
XX/XX/XXXX I called the bank and again was told by the rep that she couldn't tell me why there was a discrepancy. The rep transferred me to the mortgage department, but they " couldn't locate my account. '' So I hung up and called customer " care '' back. I was told my ticket from XX/XX/XXXX was closed in error and that the issue would be escalated. I should expect a call within a day. 
Again, no call was received from the bank. 
XX/XX/XXXX I sent a follow up email and was told I'd hear back with an answer. I still have not gotten a response from them. 
To further muddy the waters, they've reported my monthly payment to the credit bureau, XXXX, the XXXX amount. 
I need to know why my payment isn't matching the annual escrow analysis and to get them to correct their mistake one way or another.
Product: Credit card

I sent in several disputes letters to all three major credit bureaus. As well as FTC Report proff of address. Each time I was told that the account came back verified. XXXX XXXX credit card open XX/XX/2029
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report :
Product: Credit reporting or other personal consumer reports

INCORRECT PERSONAL INFO ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNTS 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: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and notice that " XXXX XXXX '' is reporting inaccurate late payments on my account. I tried reaching out to the creditor and no one was able to help me out. I'm asking that you please update these payments on my account as Paid on time. As it is harming me from opening new credit lines. Thanks in advance Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit bureaus ( Experian and XXXX )
Product: Bank account or service

XXXX my wife and I have Macy 's accounts and have signed up for electronic bills using our XXXX XXXX XXXX service. We have excellent credit and have never had any issues in the past. Macy 's switched their credit card service to XXXX XXXX in XXXX 2015. While my wife received all her bills since XXXX, I did not receive an electronic statement and a purchase of {$44.00} that I made in XXXX resulted in {$180.00} in late fees. 

I found out about the late charges once Macy 's contacted me in XXXX for the late charges. Macy 's customer service is saying that failure to pay is my fault even though they failed to provide me with a bill. I checked with my bank and the electronic bill service for Macys was turned on the entire time ( which is how my wife received her bills ) After contacting Macy 's, I have finally received a paper bill and the electronic bill pay service has resumed. I have paid the amount that I owed for goods purchased but I should not be responsible for late fees based on statements that were never delivered.
Product: Credit card

XX/XX/year> received email saying I was approved for a credit card from Bank of America. I did not apply for this card. 
XXXX called to cancel the card. was told there were 4 total accounts/cards opened under my name. was told they canceled them all. They said {$0.00} was charged on all of them.
Product: Vehicle loan or lease

Santander is ripping me off, I never dreamed I could pay triple for a car but that's exactly what I am doing!! I am a disabled person and I don't get a whole lot to live on, my sons father is on the loan with me because he has more income than me. I got in a tough spot when he lost his job. I got behind and tried making arrangements with the company and they said we had an extension, so we thought everything was fine until our car was repossessed. I put down almost XXXX for the car to begin with, and I had enough money at the time to pay it off, it was only XXXX, but XXXX dealership talked me into financing because it was close to XXXX XXXX, and I have XXXX boys. At any rate not only were we screwed over by XXXX of XXXX, we are also being XXXX by santander. Our percentage rate is already outrageous, we get charged late fees daily and finance charges added to that. I also got charged from santander for my toll bill when they repossessed it. I wasn't allowed to pay the toll company myself, the amount was added to my principal and I pay finance charges on that bill as well. I don't know legally how they are getting by with it. This whole company should be shut down and put behind bars. This is incredible!! I have already paid my loan off but all I paid has only gone to late fees and extra finance charges!! I wish I could sue the XXXX out of these people for mental anguish! I am already XXXX, they shouldn't be allowed to do this to people!!
Product: Debt collection

Once again charter communications is harassing over a fraudulent bill of {$120.00}, I filed a compliant three years ago against XXXX  over the same bill and the harassment spotted up until XXXX of 2020. XXXX  is now using the name XXXX XXXX XXXX XXXX  to continue to harass me over the same fraudulent bill of {$120.00}, all bills had to be paid in advance or no service would be provided. I had paid for cable service for 37 years up until XXXX XXXX XXXX  sold out to XXXX how now is using the undercover name of XXXX XXXX XXXX XXXX  to defraud me of {$120.00}. XXXX has hired a collection agency Amsher collection service to post a fraudulent claim on my credit reports causing me harm to my financial status.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act this company has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX XXXX Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my Equifax credit report by XXXX XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Equifax is obligated to investigate and correct or delete unverifiable data. 

Actions Requested : Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXX is licensed to collect debts in California. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are Unauthorized HARD Inquiries on my Credit Report. Please I am asking for assistance to remove them. I am trying to buy my first home and these are a problem for me. Please help me. They are all on my XXXX Equifax and XXXX reports I would NOT have given the Authorization to run my Credit in multiple sequence as such such as I know very well the Negative impact that it can have on me. I really need your help with this. I have called multiple times and all I do is get a Voice Tree that never takes me to a Live Human whom I can Speak with, I get cut off as they are asking for information that I do not have and would not have had as I do n't have an account with them, the few times I do get a Live person they do n't know who to transfer me to. Please Help me Thank You. 

Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of Company-XXXX  Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company- XXXXDate Inquiry Date XXXX XXXX   XXXX, TX XXXX ( XXXX ) XXXX Name of Company-XXXX -Inquiry XXXX XXXX  XXXX, CA XXXX ( XXXX XXXX XXXX Name of Company - XXXX XXXX XXXX  -Date Added-XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX   Date Added- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX Inquiry DateXXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Name of Company XXXX XXXX XXXXXXXX XXXX Inquiry Date- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX- Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of Company-XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX XXXX Date of Inquiry XXXX XXXX -Inquiry Added Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquires XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX, XXXX Date of Inquiry XXXX/XXXX/XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX
Product: Mortgage

On XXXX/XXXX/2021, I received a TDBank Equity Loan approval letter indicating 5.890 % interest rate. 

On XXXX/XXXX/2021, I received paperwork indicating 7.99 % interest rate. 

I spoke to XXXX XXXX, loan coordinator and he stated that he was sorry for not mentioning the information and it is because of the appraisal being lower than projected. 
I asked where that possible interest rate change was mentioned in any of the paperwork. He stated there is no documentation mentioning this possible change in interest rate. 
I spoke with TD supervisor, XXXX XXXX XXXX. I explained my concern that the interest rate went up drastically 2.1 % without notice. She stated it was the appraisal and that the 5.890 % should not have been quoted in the paperwork and nothing can be changed. 

This is a clear case of bait and switch. 
I needed to do through the closing because I have to pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts. 

Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, Equifax reports {$0.00} HighBalance on all my revolving accounts. XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the Fair Credit Reporting Act XXXX  Account # s & Names XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has Violated My Rights 15 U.S.C 1681 Section 602 States I have The Right to Privacy.

15 U.S.C Section 604 Section2 : It Also States A Consumer Reporting Agency Can not Furnish A Account without my Written Instructions.
Product: Credit reporting or other personal consumer reports

I contacted the companies listed in my complaint about these inquiries that are unauthorized transactions on my consumer report making them fraudulent. I XXXX XXXX do not know these companies and do not have a contract in place with any of these companies mentioned.I have filled an FTC report and local authorities have been notified of the incident.I also attached a copy of my consumer report highlighting these fraudulent companies.
Product: Credit reporting or other personal consumer reports

These inquiries were never authorized by me and I feel incredibly violated in the worst way possible that my credit report has been accessed by these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the FTC to inquire instructions for instructing each of the big three to establish credit freezes for my wife and myself following the XXXX breach. I called each of the three numbers given on the FTC web page instructions : XXXX XXXX Through voice instructions was able to enter and confirm by SS # and ZIP code and then was told they could n't freeze my account. 
XXXX : XXXX requested a security free and through voice instructions was able to confirm SS #, DOB, Zip and first 3 numbers of my home address - they informed me they could not place a freeze on my credit file - I had to submit a written request. 
Transunion : XXXX requested a security freeze, supplied SS #, DOB, Zip Code then was sent to a buzy tone and disconnected.
Product: Mortgage

During Covid my loan matured and I tried to work with Citizens bank to get refinanced, I have been trying for over 3 years submitting papers. I send in the papers they asked for then they would ask for more papers and I would send them in they said the first ones had expired and to start all over again. This has been going on for 3 years. The one paper they needed was a XXXX the agent asked if I had it, I said no so she sent it to me. When I received it I called Citizens so they could tell me how to fill it out, she helped me I submitted it and it kept getting denied for 2 weeks. I called to see what the problem was and they said I didn't fill out the whole thing, which I said I called and the agent helped me, she then helped me fill out the rest and I submitted it for over XXXX weeks again only for it to be denied again. I kept calling for 2 weeks and they didn't know what was wrong but after the third week the agent said I filled out the wrong form which I said that is not possible Citizens sent me that form. I have almost had a nervous breakdown with them, I have submitted so much of the same paper work over and over again and I have been begging them to just let me start paying. All my conversations have been recorded. Also my foreclosure is on pause until the XXXX. The interest is adding up I have been paying on this since 2006 the loan amount was XXXX and now I owe XXXX. It is not fair that these banks take advantage of people like this and I even talk to an attorney and he told me not to even bother doing anything because I would never win against Citizens, this is for my second mortgage my first one is fine with no problems.
Product: Mortgage

I was affected by Covid-19, and job loss that placed me in a position of not being able to pay the mortgage for months in the year XXXX. I contacted the loan company and requested to speak with a representative on a non-recorded line, as suggested by the automated system. However, a live representative answered, and reviewed my account and said I qualified for the programs to help me. I said great, then I asked if the conversation is being recorded and they said yes. I stated I would like to discuss my matter on a non-recorded line, and I was told someone would call me back! 

Well, I never got that call back or a voice message from the company to assist me with my issue. I called back several times, same thing happened. When I called on XX/XX/XXXX about XXXX, the automated system took my information and again stated I was approved for help. 

I received details about a loan modification in the mail on XX/XX/XXXX which stated to accept the terms, I needed to make a payment by XX/XX/XXXX, XXXX or the offer may be off the table and Foreclosure may be enforced with no option. I did send the requested payment to the lender, and still have not heard from them. 

" The lack of communication is from the lender is terrible ''. 

Again, I reached out to the lender on XX/XX/XXXX to simply inquire if they had received my payment, and again I wanted to have a discussion on a non-recorded line. The customer service person ( Who's name and details I have ) said she could not give me any details on my account if I wanted to talk on a recorded line. I said Ok! However, as I told her that no one has ever done a return call, then questioned what was the process of returning calls? Then, it became very simple how " FLAUD '' the system is! 

Here it is : ( 1st ) The Rep. place a call back request, but it's not to a particular person, it's just in a request box. ( 2cd ) No one is assigned to truly call you back, so no accountability is there. Which allows a call back Maybe or Maybe Not. ( 3rd ) If a Rep. gets the request to call you back, it's no way of knowing, or back - tracking who that person is. Nevertheless, this is why I have not received a call back. The Reps. have been pushing my request to the side, ( I'm sure I'm not the only person ) and No One is accountable which effects the timing of information being processed to properly do business in a timely manner. THIS IS A SERIOUS PROBLEM! 

The Company is : Specialized Loan Servicing, LLC
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate Account # : XXXX Account Type : revolving Institution : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand why Trans Union lowered my score with XXXX XXXX from XXXX ( dated XX/XX/XXXX ), to XXXX ( dated XX/XX/XXXX ), while my Trans Union score with Bank XXXX XXXX went up to XXXX. It should go UP not DOWN. 

Previously, Trans Union showed an erroneous late payment for XXXX XXXX credit card on XXXX, XXXX, which they corrected, and two late payments for XXXX credit card on XXXX, XXXX, and XXXX, XXXX which they also corrected. I have a 100 % perfect payment history and I expected a rise in my credit score, not a drop.