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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX am writing to request an immediate update and correction to my account with XXXX XXXX XXXX XXXX XXXX I have received IRS Forms 1099-C and 1099-A, which confirm the discharge of my obligations totaling {$18000.00}. However, my account remains inaccurately reported, as the discharged debt continues to appear on my consumer credit reports, and I am still receiving incorrect billing statements. 
Additionally, I believe that XXXX XXXX XXXX XXXX does not own the debt in question. To verify this, I request a full account ledger detailing my accounts transactions, ownership, and any transfer of rights associated with the account. 
Account Information Borrower Name : XXXX XXXX Total XXXX Amount : {$18000.00} Discharge Evidence : Copy B of 1099-C and 1099-A attached Request for Action 1. Account Update : Please update my XXXX XXXX account to reflect the discharge and confirm a {$0.00} balance. 
2. Credit Reporting Adjustment : Notify all credit reporting agencies ( XXXX, XXXX XXXX TransUnion XXXX to remove any negative or active entries associated with this discharged debt. 
XXXX. Cease Billing Statements : Discontinue all billing statements or communications related to this discharged debt.

4. Provide Account Ledger : Supply a complete and accurate ledger for my account, including all transactions and ownership details.

Supporting Documentation Enclosed with this letter, you will find copies of the following : IRS Form 1099-C ( Cancellation of Debt ) IRS Form 1099-A ( Acquisition or Abandonment of Secured Property ) These documents clearly establish that my obligations have been discharged in compliance with applicable federal and contractual guidelines.

Follow-Up and Contact Please confirm receipt of this request and provide a timeline for resolution. You may contact me directly. 
If this matter is not resolved promptly, I will escalate my concerns to any appropriate regulatory bodies to ensure compliance with federal laws regarding debt discharges and credit reporting. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of the necessary updates and corrections. 
Sincerely, XXXX XXXX Enclosures : Copy of 1099-C Copy of 1099-A Also the collection still being reporting for an auto loan while the auto was repossessed illegally without notice and sold. The amount you sold it for is the amount cleared of the alleged debt! That is also reported illegally and inaccurately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I have been working with PHH Mortgage on a loan modification since XXXX. My loan had matured in XXXX I did not realize it. PHH took my money for 4 more months and then said I owed them the balloon and I could not refi with them. I have been working on the modification for a month now and every time I get a call from them they tell me I need more documents, or different documents, this is all after they sent me a letter saying that my application was complete and ready to go. My customer representative told me I was ready to go and a decision would be made this week, but then, suddenly, my package was incomplete and I needed to supply new documents, which would reset my 30 day clock, which they have to operate in, back to very. They have ruined my credit with this and now are forcing me into a loan with their company, at what interest rate I do not know. I can only imagine they are going to stick me with a rate higher than normal because I have no choice but to take their loan now. I can not get a loan anywhere else and they are the only option, so whatever they offer, I will have to take. 

PHH is the worst company ever.
Product: Credit card or prepaid card

I received a US Bank Reliacard from Cardholder Services in Indiana. I do not have an account of this kind with US Bank. I tried without success to contact US Bank. Then I called CFPB and was told that this is part of a nationwide scam and not to activate the card. I was told to report it to Unemployment Services in Indiana, but the website does not address this problem. What should I do next?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 120 days past due on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) These accounts reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Student loan

I originally had a $ XXXX loan for my XXXX program. This was back in XXXX, and entered repayment in XXXX. I have paid this loan XXXX over and the balance today is over $ XXXX. This is due to fees and a variable interest rate. When I called to try to pay off the balance but at a smaller amount, I was told that Id have to go in default and ruin my credit first. The maturity date of my loan is now in XXXX, which would mean id spend 40 years paying this loan XXXX times over. This is the definition of predatory lending. If this is not addressed, I will be taking this to court.
Product: Credit card

Fraud charge appeared on my PayPal account through my XXXX XXXX XXXXXXXX card that was connected. The fraud charge is for a recurring charge of {$110.00} to vendor XXXX. I attempted to dispute the transaction but PayPal said that no fraudulent behavior was found and that the spending aligns with the rest of my account. The only true activity on my PayPal is receiving money after buying a friend dinner in XX/XX/2023. 
The dispute number is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint with Experian ( # XXXX ) regarding my credit report being unfrozen without my knowledge or authorization. I received a notice from them that the dispute had been resolved. After speaking with someone at Experian, NOTHING has been resolved. He, repeatedly, said that the only way my account could be unfrozen was if I did it via phone or online. I, repeatedly, told him that I DID NOT unfreeze my account, knew nothing of it until I received an email from them that my account had been unfrozen. NO ONE has my Experian access Login/Password, not even my spouse. 
Experian rep was insistent that there is NOTHING that they can do about it, because I am the only one who can unfreeze my account. I kept telling him it happened, and I did not unfreeze it. He kept telling me it can't happen. Well, it happened!! So, this complaint was NEVER RESOLVED! 
Obviously, someone was able to unfreeze my account without my authorization/knowledge. They've probably had another data breach and are covering it up. The Experian rep said there is no one, nor fraud division, to alert about this. This has probably happened to thousands of other people, and NO ONE AT EXPERIAN will acknowledge that this is a serious issue, nor investigate it!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus XXXX, Transunion and XXXX to no avail. I have even sent them a copy of my identity theft reports but they refuse to investigate. 

Even if there was no identity theft, the information is still inaccurate across the bureaus. 

XXXX XXXX XXXX High Balance : Date of Last Activity : Date Opened : Balance Owed : Closed Date : Last Payment : XXXX XXXX XXXX Date of Last Activity : Closed Date : Balance Owed :
Product: Credit card or prepaid card

I have consistently been charged interest incorrectly on my Amex card. Each month for the past few months they have incorrectly calculated a balance due to interest ( I have a 0 % promo active ). I get charged interest, I contact the company and point out the mistake, and then they apologize and reverse the charge while promising it won't happen again. 

After 3 consecutive months, I'm fed up with the back and forth and so am submitting this complaint. The worse part is, I have made multiple payments each month, and they total to above what the alleged balance subject to interest is - and yet that balance stays the same each month, continuing to trigger an interest charge that has always been incorrect
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes with the credit bureaus regarding an account that is reporting inaccurate and incomplete information. XXXX deleted the inaccurate account after a proper investigation. Firstly, the account in question was initiated in XX/XX/XXXX, and I paid on time every month. However, the contract for the rental apartment being reported inaccurately shows a start date of XX/XX/XXXX. Evidence supporting this is attached. 

Secondly, the third-party debt collection agency, XXXX XXXX XXXX XXXX XXXX my rights under the Fair Debt Collection Practices Act ( FDCPA ) by failing to inform me of my right to dispute the debt. Additionally, the agency provided contradictory balances owed, further violating the FDCPA. 

Furthermore, the data reported by the credit bureaus regarding the terms, monthly payments, account type, payment history, and the status of the account ( open/closed ) are all inaccurate. This account is reporting incorrect, incomplete, and misleading information. Again, evidence is attached. 
XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) : Under the FCRA, credit bureaus are required to report accurate information. Any incorrect or incomplete data must be corrected promptly once disputed. 
15 U.S.C. 1681i : Requires credit bureaus to conduct a reasonable investigation upon receiving a dispute. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) : 15 U.S.C. 1692g : Requires debt XXXX to provide a validation notice within XXXX days of the initial communication, informing the consumer of their right to dispute the debt within XXXX days. 
15 U.S.C. 1692e : Prohibits debt XXXX from using any false, deceptive, or misleading representation or means in connection with the collection of any debt, including providing inaccurate balances.
Product: Debt collection

i was called on XXXX/XXXX/16 on my cell phone i returned the call to XXXX and they stated that i had a medical bill from XX/XX/XXXX, i tried to explain that i havent been to this place and XXXX insisted that i was the patient and they would not provide me with validation of the debt because the 1st collection notice was already sent and i must dispute and request this in writing. they called me again on XXXX/XXXX/16 i tried to explain that i have not received the validation of this account still as i did n't have a debt with them. they said they dont have to send me this and threated credit reporting my call was transfered to XXXX XXXX the manager and he said they wo n't send me anything unless i put it in writing the dispute. I 've tried to explain several times that i was n't the patient and had no idea
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. 

Account name : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

i did called capital one been on hold for like 8 house everyday they called me a XXXX on phone call me a lair to i never have capita one before
Product: Debt collection

Spoke with Midland Credit on XX/XX/2021. Attempted to explain XXXX XXXX  and was verbally abused and berated during whole conversation. Told them I needed to speak to fianc to help me pay them anything and was abused further. Brought up we were being recorded by their line and reminded them that I was XXXX  again and more verbal abuse. They also lied and said I had a bank account which I do not have one and havent for over 10 years. Lots of threats.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number 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 1681 Section 604A 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 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 reporting

Transunion fails to remove the XXXX XXXX accounts.. Transunion reports incorrectly that this a duplicate account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Debt collection

MCM aka MIDLAND CREDIT MANAGEMENT LLC, sent me letters in mail, and I don't know who they are I never had a contract under that name, so I sent a letter certified mail, with a green return slip notorized to verify debt, with definition of what verified mean under Black Law Dictionary ( 6th edition ) if they sign a notorized Affidavit, and send me the 5 requirements under 15 USC 1692g ( 4 ), I would pay if I owe the alleged debt, they only sent statements which is in the positive not the negative, I did a Cease and Desist until they did a verification and validation of alleged debt, they kept violating the order that congresss layed out for Consumers, they also threatened me with sueing me, litigation and reporting to my credit which they already did, without my written instruction, under fair credit reporting act 15 USC 1681 B ( 2 ) I have all documentation of correspondence between us.
Product: Credit card or prepaid card

I'm XXXX yrs old and have several credit cards and bank accounts. The lady on the phone for key bank mentioned I could have checks and mailed them to me. After using them when I went to pay my statement it showed {$30.00} for fee 's and shows 3 checks I wrote with a {$10.00} fee for each one. I expressed my shock to the representative over the phone and mentioned that I have other accounts and if I knew about this fee I would never have used it. When I asked for a one time credit because I'd never use them again he said to call my local branch. I called the local branch and they said to call the number on my statement again! 

XX/XX/21 {$10.00} XX/XX/21 {$10.00} XX/XX/21 {$10.00}
Product: Consumer Loan

I am contacting you with full authority from the consumer ... .I am filing this complaint from a Wisconsin car dealership on behalf of our customer. Here is what happened. Our customer lease a vehicle from US bank 3 years ago through our dealership. She wanted to buy her lease out and trade it in to our dealership as she was at the end of her lease. US bank told us that she had to go through a bank branch or it would be substantially more money for her to buy it out. So we told her to go to the US Bank branch that is across the street from our dealership. She did so on XXXX/XXXX/15 and she converted the lease to a loan and financed {$15000.00}. She then came over to our dealership after signing the loan documents with them and proceeded to trade the vehicle in to us and lease a different vehicle. Since the loan was so new it was difficult for them to determine the exact payoff but they told her that there would be a {$100.00} early termination penalty loan payoff plus {$1.00} per day in interest so we used a payoff amount of her loan of {$15000.00} even though it was confusing to us why they would even have a {$100.00} early termination penalty on a loan in the state of Wisconsin. Now they are telling us that we are short an additional {$78.00} and some odd cents which again does not make any sense and we tried contacting US Bank and they have no explanation for the difference. This customer is super upset and we do n't know what to tell her for the reason of the additional monies.
Product: Credit reporting or other personal consumer reports

XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX I have not made these inquiries and request that they be removed pending an investigation. 

XXXX  XXXX % paid off {$19000.00} XXXX XXXX % paid off {$18000.00} XXXX XXXX % paid off {$15000.00} XXXXT XXXX % paid off {$14000.00} XXXX XXXX % paid off {$14000.00} XXXX XXXX % paid off {$14000.00} XXXX XXXX % paid off {$14000.00} XXXX XXXX % paid off {$14000.00} XXXX XXXX % paid off {$14000.00} XXXX XXXX % paid off {$14000.00} XXXX XXXX % paid off {$14000.00} XXXX XXXX % paid off {$14000.00} XXXXXXXX XXXX % paid off {$13000.00} XXXX XXXX % paid off {$13000.00} XXXX XXXX % paid off {$13000.00} XXXX XXXX % paid off {$13000.00} XXXX XXXX % paid off {$12000.00} XXXX XXXX % paid off {$12000.00} XXXX XXXX % paid off {$12000.00} XXXX XXXX % paid off {$12000.00} XXXX XXXX % paid off {$12000.00} XXXX XXXX % paid off {$12000.00} XXXX  XXXX % paid off {$12000.00} XXXX XXXX % paid off {$12000.00} XXXX XXXXXXXX % paid off {$8600.00} XXXXXXXX XXXX % paid off {$8400.00} XXXX  XXXX % paid off {$8200.00} XXXX XXXX % paid off {$7900.00} XXXX XXXX % paid off {$7400.00} XXXX XXXX % paid off {$7200.00} XXXX XXXX % paid off {$3800.00} XXXX XXXX % paid off {$3700.00} XXXX XXXX % paid off {$3600.00} XXXX XXXX % paid off {$3500.00} XXXX XXXX % paid off {$1400.00} XXXX XXXX % paid off {$1300.00} XXXX XXXX % paid off {$1200.00} XXXX  XXXX % paid off {$1100.00} XXXX XXXX % paid off {$360.00} XXXX XXXX % paid off {$350.00} None of my proper balances for my student loans are reflected on my personal credit report.
Product: Mortgage

Based on new information, this complaint is a renewal of complaints XXXX and XXXX and the documents that are submitted with them. As we have now discovered that we are victims of the harm we alleged in those complaints against XXXX XXXX and their assignee, our new mortgage servicer Rushmore Loan Management. The loan modification that Rushmore Loan Management Services forced us to accept in XXXX of XXXX, with a XXXX month trial period, which added an additional {>= $1,000,000} dollars in principal and XXXX years beyond the normal XXXXyear mortgage, has put us at a disadvantage as we have been notified while seeking to refinance that our previous loan should have never been written as such and is harmful to securing new terms. Specifically, the mortgage rates we could have secured when the modification was being written were almost XXXX points lower and would have resulted in an annual savings of XXXX  of dollars ( at least XXXX monthly ). And because of the increased principal, any monies we now seek to access in the form of equity will increase our mortgage payment further beyond that which Rushmore crippled us with. This was revealed in a mortgage refinance we applied for around XX/XX/XXXX, and can show where our mortgage increases to {$1500.00}, or an additional {$340.00} a month because of our desire to access the same amount of equity, even at a lower interest rate. We believe that Rushmore Loan Management Services rushed us into a bad loan when they knew we were vulnerable, and strategically installed a number of predatory measures in our loan that were designed to keep us beholden to them during a time when they knew or could have predicted the financial crisis that existed and how mortgage rates would respond under these conditions. This places us in a dilemma where if we access the equity we have earned in our property, we end up crippling ourselves in the form of a higher mortgage and principal balance. This is unjust and detrimental to us and will have long-term consequences.