23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Chase Bank holds the mortgage on my homestead located at XXXX XXXX XXXX XXXX XXXX TX XXXX. Loan # XXXX. 


They raised my payment from {$2200.00} to {$2600.00} because of escrow calculation for the end of XX/XX/2018. I have lowered my insurance cost by 40 % and my taxes are not that much higher to justify an increase of {$5400.00} this year. 

They deny my request for another review on my escrow with the new information. 

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

In accordance with the fair credit reporting act, XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX acct. # XXXX, XXXX XXXX. 
acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX XXXXXXXX acct. # XXXX. 

15 USC 1681 Section 602 A 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 a account without my written instruction.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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

XX/XX/19 I reset my password following Experians ' instructions. However, they have a secondary security feature that asks to send a verification code to a predefined phone number. The phone number listed is not mine, therefore I did not proceed. I made several attempts in vain to actually speak with someone at the company to get this corrected. There is physically no way to actually speak someone to get this corrected through their automated system. There could be severe fraud on my account if someone has accessed my account and changed the contact information. I have no way to check and I am very concerned. I e-mailed the company and as of yet have not heard back from them on this issue. Please assist. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX These illegal fraudulent items still remain. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


FXXXX 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: Student loan

Back when Loan Servicers were allowed to refund loan payments back to students ( due to Biden 's loan forgiveness plan that fell through recently ) I had requested to refund {$8200.00} from ED Financial. About 1 year later I received a check of this amount in the mail. On my way to the bank to cash the check, it flew out of my window on the freeway. 

I then called to make them aware of this to get a new check issued. After many phone calls over many months I finally reached the right person and they were able to issue this request last XXXX in 2023. 

Since then, I have called around 7 times and every single time they tell me they have no idea what the timeline will look like. It has been over 4 months and they have done nothing for me or given me ANY additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XXXX by phone in regards to XXXX inquiries on my credit report that are affecting my score. The gentlemen I spoke to refused to investigate a number of inquiries that I did not authorize. Additionally, he told me these inquiries may have been initiated without my knowledge, but he wouldn't be doing anything about it. I asked for his name, he gave me the name XXXX. When I asked for his ID number to be able to identify him in regards to this complaint, he refused. The following is a list of inquiries I wish to dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to REMIND the Experian Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Experian BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXX XXXX XXXX Balance : {$360.00} XXXX XXXXXXXX  Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card

On XX/XX/2022 someone open an account with Barclays Bank ( carnival ) on XXXX i see the card on my credit report and report to this bank this credit card dont belong to me. I call on several times and they states they will close the account but still open. 

Who open the account paid the bill on XXXX and XXXX, so they might have the address for the person who open the account because somebody is paying the account, but since XXXX they are not paying the account.
Product: Debt collection

Repeatedly calling me at my office phone number and a robot is asking for a person whose name I do not recognize. They ask for a different name each time they call. They have called many times per day every day over the past two weeks. No amount was ever given given.
Product: Credit reporting or other personal consumer reports

My oldest credit card which is XXXX  XXXX XXXX XXXX card with a limit of {$80000.00} has strangely disappeared from my credit report on XXXX  the credit bureaus ( XXXX, Equifax and XXXX ) and I have contacted them individually since XXXX, XXXX  when I XXXX  noticed it and nothing has been done, I keep calling them and they say same thing XXXX  time that they see it from their end but I do not see it when I check my report and more importantly the banks and creditors do not see as well and that has affected my credit card and loan applications because my credit profile without the XXXX  XXXX XXXX XXXX card looks not good enough. I have already contacted XXXX  XXXX XXXX and they told me they report my credit to these bureaus and it is a problem from them and not XXXX. 
Also Equifax since XXXX has totally wiped out my credit history and when I check my profile every is blank and I have contacted since XX/XX/year> and nothing has been done. Kindly help me fix my credit report. Thank you.
Product: Checking or savings account

My account was a victim of fraud someone stole my card and put fraudulent checks in my account and the bank declined me and charged me anyway for their benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding consumer reporting agencies.

The problem i am having is consumer reporting agencies violating the rights that congress put forth to protect me. Pursuant 15 USC 1681b ( a ) ( d ) these agencies that assumed this role has to have a written consent from the consumer to furnish any information on the consumers report. 
I mailed a letter XX/XX/2021 and as of XX/XX/2021 i have not received a response. 
Equifax, XXXX, XXXX  are the agencies in question.

I am submitting this complaint as the consumer, a natural person.
Product: Debt collection

My mother was contacted by XXXX XXXX XXXX XXXX on XXXX XXXX, 2017 at XXXX XXXX by a message left on her answering machine. She called me right away and told me that they were trying to get a hold of me for a debt I owed and that if I did n't contact them right away to work a financial arrangement out then I would be summoned to court and possibly sued for this debt. I then called XXXX XXXX XXXX XXXX and spoke with a " XXXX XXXX '' around XXXX XXXX the same evening and she informed me that I still owed a debt from over 10 years ago on an old vehicle I had purchased. She originally told me that I owed a little over {$6000.00}, but that the company would settle for a little over {$2000.00}. She also said that she could talk to one of the attorneys from XXXX XXXX XXXX XXXX and see if they could work out a better deal. I was told that if I did n't pay this debt then for the next 6 months my wages could be garnished for almost {$400.00} a month. I informed her that there was no way this loan was still outstanding because it was over 10 years old and I had totaled my vehicle in which my insurance paid the remaining balance. I asked for an official document to be sent to me via email and when I did this she put me on hold for almost 15 minutes. When she came back on the line she informed me that she sent it over to my email and to check to see if I received it. I did receive an email but it did not appear to be legitimate as there were some errors in the document, one including the misspelling of my last name and it was literally a XXXX XXXX document. The document also stated that the balance owed was almost {$10000.00} now instead of the original number I was given before. I expressed this to her and she stated that it must have been typed up wrong. I am concerned that they are doing this type of thing to a lot of other people who are very gullible and do n't check facts and are just afraid to get sued so can we please get this taken care of. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit report XXXX credit report Experian credit report They all have wrong information on my credit report plus old account number and old information still they that are not allowed by law after 7 years to be there
Product: Debt collection

I signed up for personal training. Because of inappropriate behavior and the company 's not being able to provide me with a trainer/missed workouts, I wanted to get out of my contract. I contacted the XXXX XXXX XXXX headquarters. They refused to let me out of the contract. I filed a XXXX complaint and the resolution was that I would have to do a 25 % buyout of my contract. I was then put in touch with an XXXX XXXX. I made the payment to him ( I have included a receipt ). I was then contacted by a company called AAC that started harassing me nonstop about owing them XXXX dollars which was more than what the contract was worth when I stopped working out! They have been sending me harassing emails, letters and phone calls about a phony XXXX dollar debt. They have also threatened my credit score.
Product: Mortgage

NewReZ Complaint Date of Grievance : XXXX Date of first notice of discrepancy : XX/XX/XXXX Please accept this writing as a formal complaint to the lender with regards to my current loan # XXXX. This loan was originally issued as a XXXX XXXX  on XX/XX/XXXX with an initial fixed interest rate of 3.99 %. Upon completion of the first 7 years, ( XX/XX/XXXX ) I am noticing an increase in interest rate which now has my loan at 7.25 %. I would like to learn more as to why this was adjusted as such, and I request a detailed calculation as to how this new interest rate was reached. 

As per my contract as noted in the XXXX XXXX XXXX XXXX XXXX, my interest rate can not increase by more than XXXX ( XXXX ) percentage points from the rate of interest I have been paying for the preceding 12 months. The interest that my loan is associated with now is 3.26 % higher than what I was paying in the preceding 12 months. This miscalculation on the end of the mortgage company has caused me massive financial despair and has messed up the specifics of my mortgage loan entirely. I have been paying these inflated charges for the past 90 days, while attempting to contact NewRez customer service simultaneously. All attempts to speak with NewRez customer service failed as I was told that the XXXX department was already contacted related to my issue, and I should wait for the XXXX department to email me. I also spoke with customer service an additional handful of times and was told to submit the complaint online in the NewRez portal. Over XXXX weeks have passed and no one has reached out to me. 

If I dont pay my mortgage, I get hounded regularly to pay my bill. On the other hand, if the mortgagor is ripping off its customers with unfit practices, they make it nearly impossible to submit your complaint to a valid team who will look and attempt to rectify the situation. I have now been paying an overinflated mortgage note for over 3 months, and this is simply unjust. I can not afford interest rate increases set by NewRez outside of my contractual language. I simply do not trust this company to service my loan as they are scheming to make more money for themselves and their corporate interests. 

Due to the negligence and oversight of the mortgagor, the mortgagee is being required to pay inflated amounts, which in turn affect the amortization schedule which was calculated over the course of 30 years. This is simply unjust. If the mortgage company can ignore the specifics of my contract and issue a random interest rate increase outside of the guidelines as written in the contract, I would argue that I could be eligible for a rate reduction outside of the contracted language as well. 

Please look into this matter with urgency and advise how/why this loan was deviated in such a way inconsistent with my contract. A copy of this complaint will be submitted to the CFPB to support my viewpoint as I feel I've been targeted with unfair practices. 

Best Regards, XXXX XXXX
Product: Debt collection

Received attached letter in regards to XXXX Bank. This bank does not exist.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered XXXX XXXX.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Mortgage

The company Carrington Mortgage is violating my consumer protection rights. They charged the same account 5 times in the same day and then proceeded to report to all credit bureaus.
Product: Checking or savings account

on XXXX and XXXX i had sold items at a local pawn shop i have done buisness with for over a decade. first transaction was for {$5000.00}, and the second was for {$4800.00}, and i recieved a check for both transactions. i deposited the first check into my account via mobile deposit, and the second one into my account via atm check deposit. A 7-day hold was placed on both checks which is understandable and reasonable as i have not had checks deposited to either of those sums prior.the first checks hold was released with no problem on XX/XX/XXXX, however on XX/XX/XXXX the day before the second check was supposed to have the hold released i recieved a call from bank of america fraud protection asking questions about the checks, what they were for etc. which is understandable and reasonable with the amount of money being dealt with. I thought the conversation went fine, however i went to check my account later that day and had seen that the account was locked online and when i called to figure out what was going on i was informed that my account was closed due to suspicion of check fraud. I then asked for a second review and gave them more information, as well as the contact information to the pawnshop i had done business with. i then contacted the pawnshop and asked if they had been contacted prior and they had not. they did inform me that said checks where posted to there account. as of the writing of this complaint on XX/XX/XXXX i was informed that the secondary review was complete and the account closure stands. and that any funds will be mailed to me after account closure has been finalized on XX/XX/XXXX. i also requested any and all information in regards to this issue and was informed that a letter would be sent informing me of the closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information provided on my credit report by XXXX XXXX XXXX Is incorrect and invalid information. Currently the account displays a derogatory account with number XXXX an account number that is inaccurate that I have never been associated with along with an invalid address. Please remove it from my credit report. 
Thank you kindly, XXXX XXXX
Product: Debt collection

XX/XX/XXXX, I received a letter stating that this company was REQUIRED by law to inform me that effecteive XX/XX/XXXX ( the date of the letter ) that the statute of limitations to sue me for the debt listed within the letter HAD EXPIRED and that ANYONE who attempted to sue me or made attempts to further collect on the debt, that I AM REQUIRED to INFORM them that the statute of limitations has expired preventing them from obtaining a judgement. Furthermore, I was also informed that SHOULD I make ANY payment, this company would then be able to sue/collect the total amount of the debt within. 

As I have now been armed with that letter and information, TRANSWORLD SYSTEMS INC. PROCEEDED to call me, harass me and THREATEN me with suspension of my license AND registration for the outstanding debt of toll fees & OBNOXIOUS fines on # 1 a car I NO LONGER own because it was totaled and # 2 on plates that I ALREADY turned in AND replaced due to my old car being totaled. Whether I owe is no longer the question, but the tactics of harassment and threats I received as a result for SEVERAL MONTHS THEREAFTER has caused TREMENDOUS XXXX, stress, distress, and turmoil. The calls began XXXX XXXX and CONTINUED until around XX/XX/XXXX when I explained that # 1 I was still hurt from my accident and unable to pay ( even if I wanted to ) and # 2 I REMINDED them on at least FIVE occasions that THEIR OWN COMPANY sent me this letter informing of the expiration of the statute for them sue/attempt to collect and basically to not even pay one red cent as to avoid being on the hook for their ENTIRE amount. Also, the amount quoted to me was SIGNIFICANTLY higher than what was actually listed in the document/letter sent to me. The supervisor I spoke with then proceeded to tell me that upon my refusal to pay, IGNORING the fact that apparently it was THEIR legal team who informed me of my rights to not pay, THREATENED to have my license and registration suspended. To date, XXXX XXXXXXXXXXXX XXXX XXXX  still has this listed under my name WITH THE OLD PLATE INFORMATION BUT with the more recent dates falsified because I DID NOT TRAVEL to areas listed on those dates and I HAVE VERIFICATION proving that I DID NOT.
Product: Credit reporting or other personal consumer reports

I paid off a personal loan. Because it was paid off, the account closed. On XX/XX/2023 I realized that my credit score dropped by XXXX points. I called Transunion for an explanation, they had none. I was told that is the way the Algorithm works. There was no other explanation. I had a balance increase on a credit card and paid off a loan for three times as much on my credit card. I checked both XXXX, and XXXX XXXX, neither had made any such changes. There was a 2 point deduction for the credit card increase on the XXXX report and nothing on the XXXX. 
I have had Multiple issues with Transunion regarding my report in the past 2 years. They have been reporting inaccurate information and not properly investigating it. Transunion currently has 13 derogatory accounts on my report, 6 of which are Collections. Neither XXXX or XXXX has this information. I have disputed these items multiple times and requested information from the Original Creditors that the reporting Collection Agency, provide me with the original signed documents, payment history, and a letter from the original creditor that this Collection agency ( XXXX XXXX XXXX XXXX  ) now owns this this debt and has the legal authority to collect any amount that is claimed to be owed, with proof of documentation. As of this date XX/XX/2023 I have not received it after requesting this information multiple times. Instead they continue to report it as accurate. I am requesting that I receive a legal explanation for the credit score decrease of XXXX points, and that until they have provided me the information that I am entitled to for ALL Collection accounts listed on my report or DELETE it immediately. It is very taxing and stressing as I have been dealing with this for over a year and have since had to be put on medication because of the stress. It has also affected my ability to gain credit at a decent rate and even at all.
Product: Vehicle loan or lease

When I went to purchase a used car at XXXX XXXX in XXXX, New York, without consent they ran XXXX hard inquiries on my credit, effectively lowering by XXXX points. The banks that show hard inquiries on my report are XXXX, XXXX XXXX, XXXX XXXX and XXXX others. This happened in XXXX XXXX. I contacted the banks and they refused to remove the inquiries.
Product: Credit card or prepaid card

Comenity Capitol Bank card was opened in my name XX/XX/XXXX and maxed out apparently. I called Comenity imidietly some time in mid Novemver to early XX/XX/XXXX, when I received a bill stating that I was one past due and I owed over {$10000.00}. The representative I had spoken to at that time said that they would take care of it and that there would be an investigation. I waited to hear back and there was nothing. I had called in XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX but there were no updates on this. I received a bill in XXXX of XXXX same thing saying I was past due and now balance was over {$12000.00}. Again I explained the same things as before to each representative that it wasn't mine, I didn't even have a clue about it and how is it okay that people just get bills for something that one isn't theirs and now are required to pay. At this point I had submitted another report for identity theft because I didn't know what else to do. Here I am getting sick physically over this account that I didn't open and now has been charged off and sent to collections. Not only has this effected my physical health and mental health but has also caused issues with my significant other. I have never been late on paying any of my stuff. I had to get a third party company to help me investigation this issue and sure enough someone used my personal information to open this account and a couple others all within the same time. With a address in the state of Indiana. I have never even been.