23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have started receiving excessive collection calls from Portfolio Recovery Services. They used to call and state that they were calling on a recorded line and ask for me. When I identified myself they stated who they were calling from. Now the last several times that they call they ask for me and then state my address and ask if that is correct without identifying themselves. When I ask who is calling they state that it's a personal issue and will not identify themselves. I spoke with a supervisor approx 2 weeks ago after the representative that called became rude when I told them that I had no disposable earnings and that I have told them that several times. The Supervisor that I spoke with ; I have XXXX ( now they tell me there is no XXXX there ) went so far as to harass me about how much money I make, why I can't make a payment or why I haven't been able to make a payment. Since then I have received calls more than once a week. I have told them on a number of occasions that they are now harassing me and to please stop. The last call received was XXXX XXXX  today. Unfortunately I do not have any names as they will not disclose their names. This is putting undo stress on me. I also have a medical condition in which I am supposed to avoid stressful situations. I am working diligently on resolving my past due debt and these type of harassing phone calls doesn't help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling XXXX XXXX XXXX XXXX XXXX  and Equifax Information Services LLC for over 30 days on the issue of inaccurate accounts being reported. Now they are asking for my permission to allow them to get a third party involved, which makes no sense, on top of them still continuing to report inaccuracies while they try to verify the validity of said inaccuracies. According to the Fair Credit Reporting Act, section 609, ( a ) 1 ( A ), you are required by Federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report ( BEFORE REPORTING ). Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.
Product: Debt collection

Credit bureau is in direct violation of GRAMM- LEACH BRILEY ACT, 49 CFR 801.56, FCRA , FDCPA and various consumer protection laws.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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: Debt collection

I fell behind paying a loan. Called and informed them of the reason. Directly after this, I received phone calls and voicemails repeatedly, on my cell and a work. Also correspondences mailed to my job, placed on my door where I live. Even after I asked them not to do this all my request have been ignored. I also informed them they were harassing me and was against the law, they continue. I 'm stressed enough and also under bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX with Account ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Product: Debt collection

Latest issue, which has been reaccuring throughout loan is being charged fees even after loan is brought current. Most current example is XXXX XXXX I brought my loan current and agreed to a years payment plan via debit card. Got payment plan in mail. The next week I get my statement in mail for XX/XX/XXXX payment due and there 's late fees due again even after I brought my loan current. This college went out of business before classes finished and I 've been stuck with this useless loan that I got nothing to show for it since. I 'm on XXXX but they say this loan ca n't be forgiven because I have a cosigner and the debt will be turned over to her even though she 's retired on social security.
Product: Debt collection

they have been calling for a person that is not at this number. I requested on XXXX for my number to be placed on the do not call list, but still receive calls daily and hourly from them. I have called back on three other occasions to ask why I am still receiving calls and they say that are referring to the supervisor. I then explain that this was told to me before and the calls have not stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Georgia student finance its states i was passed due for 60 days. & I sent my enrollment paper that stated I was still in school. & my information have not been updated. & if you could help me get the information that would be great.
Product: Mortgage

Applied for mortgage with quicken loans went through process to underwriting. Under writing has problem with my wife who has disputed a bill in collection because she does n't owe the money and actually they owe her money as there should have been a credit on the account. It has been partially resolved but not fully. Quicken loans wants her to remove the dispute and recalculate her credit score which will put her bellow the banks overlay credit score of XXXX. This is a made up score by the bank as there is no minimum credit score required under the harp program. Since the bank required the removal of dispute we would be in agreement provided we could pay the outstanding amount since it is only XXXX dollars and then restore the credit. The bank refuses as they want the score to go down not up. That is how they can kill the loan so they do n't have to refinance us. All this for XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights under 15usc1681 section 602 states i have a right to privacy 15usc 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instruction under 15usc 1666 ( b ) 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

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ref : Shellpoint Mortgage XXXX XXXX of the XXXX XXXX XXXX, NY XXXX Sirs ; Shellpoint Mortgage has modified the two way payment on their payment process web. This program was designed to increase the late fees and will not allow a regular two payment amount. I pay the total amount by the XXXX of each month. One payment on the first and the next on the XXXX. 
This payment method has been used for years. The program only excepts full payment, principle payment and escrow payment in their new explanation of payment. On XX/XX/2021 the modification was found. I send {$780.00} on the first and {$780.00} on the XXXX. I can not send two payments as previously. 
Shellpoint applies any payment prior to the XXXX to principle and will not apply the amount for payment on the mortgage. The only option a client has it to mail the two payments and post date the mail sent. Write on the back of the check to cash only on the first. Otherwise it will not apply for payment and a letter of payment due is sent and added to the new statement. 
They continue to message a Bankruptcy note and the XXXX has been over 2 years. I believe that we have a right to pay in 2 payments and the total amount in by the XXXX of each month. The late fee can not apply by paying this way. Shellpoint has found a way to remove this option and apply the late fees monthly. I need help and an inquire as to why a client can not pay the amount as previous for years. 
Thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

WF/XXXX XXXX XXXX is reporting PAID but I see multiple 30 days late remarks and 60 days late remarks which is not true please remove late remarks from my account because it is affecting my scores to badly.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Product: Debt collection

XXXX XXXX XXXX is contacting me in an unprofessional manner. They call me Monday thru Sunday at all hours of the day. Calls come in at all hours of the day and night. It is extremely annoying and upsetting. I had already made payment arrangements with Gap Synchrony Bank, the credit card company. Now, they 're sending me these people to supposedly collect a debt.
Product: Mortgage

PHH purchased my mortgage, setup escrow and now refuses to pay hazard insurance on the property. I have called/emailed multiple times, and they tell me it's getting paid. Then they say it's been refunded to them within XXXX days of payment. It's not possible to get a check mailed back that quickly. My insurance lapsed as of today. I now have the insurance company emailing me saying insurance has lapsed. I also have the mortgage company calling asking for new proof of insurance because it's lapsed. My home is now not covered. The PHH phone numbers don't lead to humans, every time I email its a XXXX day response. Please help!
Product: Mortgage

I purchased this property about a year ago and have received notice of escrow shortage. 
My payment was increased {$110.00} a month in 1 year. When I questioned this the explanation was someone must have miscalculated the tax at closing, really this could cause someone to lose their home. I 'm not understanding this as the taxes are on file with the county. If this was a homestead situation would they not know that? Just not understanding how this happens. Was told I had the option of paying the full amount of {$760.00} and the payment would only increase {$50.00}. Living on a fixed income this is not an option.
Product: Credit reporting or other personal consumer reports

This debt written off as a loss and when I requested the 1099-C I was advised the debt was also sold to XXXX XXXX XXXX XXXX this debt is still being reported to my credit as owed to XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accondace with the fair credit reporting act convergent account # 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 funish a account without my written instructions
Product: Checking or savings account

Bank of America has continuously charged me overdraft fees after failing to notify me in a timely manner that my account is below 25 dollars like I set my notifications to do. I get emails about my account being low Only AFTER my account is hit with a fee. I have two checking accounts with the company and could easily have transferred money between. BOA says there is nothing they can do because the fee was assessed correctly however consumers should be notified in timely manners to avoid this additional overdraft amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX5 U.S.Code S 1681 2 A Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Credit reporting or other personal consumer reports

Transunion is hindering me from getting line of credit I requested for my credit freeze to be lifted on XX/XX/2024 for 24 hours when I called this into customer service they stated I would have to do a written request. Meanwhile, this is preventing me from getting a line of credit that I need. why is Trans Union giving me a hard time to lift a credit freeze for 24 hours? when I try to do it online, it gives me a message error
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what this hard inquiry was as I started looking at my credit report I saw this and didn't authorize this nor do I know what it is.
Product: Credit reporting or other personal consumer reports

XXXX Contacted XX/XX/XXXX via phone but they weren't not helpful with removing the unknown inquiries from my credit report. 

Hard inquires 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  Equifax Contacted XX/XX/XXXX via phone but they weren't not helpful with removing the unknown inquiries from my credit report. 

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: Debt collection

Note : My name is XXXX XXXX XXXX not XXXX XXXX that was used to open these two fraud accounts When I became aware if these two fraud credit cards I contacted XXXX XXXX XXXX and was referred to LVNV Funding LLC, I contacted LVNV Funding LLC Twice disputing these fraud accounts, I requested that LVNV Funding LLC supply me with copies of the applications that were submitted for the credit cards listed above to verify these two accounts, along with a copy of the sales contract from XXXX XXXX XXXX and LVNV Funding LLC, LVNV Funding LLC can not produce the applications for credit in my name XXXX XXXX XXXX nor can they supply a copy of the contract between XXXX XXXX XXXX and LVNV Funding LLC to verify that both accounts are valid and that they own the two fraud credit card accounts. As of this date XX/XX/2017 LVNV Funding LLC is still reporting False and incorrect information pertaining to both fraud credit card accounts to all of the credit reporting agencies. Fraud/Identity Theft report has been made to my local police department # XXXX and also made to the Federal Trade Commission FTC report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for the opportunity to explain the late payments and issues on my credit report. 

In XX/XX/XXXX, after a lot of hardwork I was blessed to be able to purchase a home in XXXX XXXX, GA for my daughter. 

From the time of purchase up to the beginning of COVID my daughter either paid her mortgage to me ( usually by transferring from her NFCU account to mine or by XXXX ). I would then pay the mortgage via XXXX XXXX. Within a month of COVID ; however, my daughter lost her job. After using the few months pay shed saved, the mortgage became my responsibility. Not just because the loan is in my name, but because as her Mom it was my responsibility. 

Then, not to get too personal, in the midst of COVID ( XXXX ) and her job loss, I found out my then husband was having an affair with an XXXX driver after only 5 months of marriage ( cant make this up ) AND hed lost his job, leaving the mortgage on the home I shared with him as my responsibility, as well as, all household expenses for both houses. 

So at this point, Im paying two mortgages, two car notes, utilities in two houses and credit cards for each of us on top of dealing with what ended up being the beginning of the end of my marriage. 

I eventually separated from my husband in XX/XX/XXXX. My divorce was final in XX/XX/XXXX. 
Prior to my life turning upside down ( XXXX ) Id accepted a position below my previous level of pay to reduce the stress in my life but, after trying to carry two households on that salary through XXXX and part of XXXX ( where most of the late payments occurred ) I was forced to take on multiple full-time jobs to support my family. 

I am quite aware that the late payments are horribly reflection of creditworthiness, but I do want to point out that throughout all of the above episodes, I may have paid late many, many times, but my family remained in our homes, our cars were not repossessed, our utilities stayed on and there are no charge offs on either of our credit. I did this after speaking with all of my creditors, explaining the issue to them and letting them know I would try my best to keep paying all my bills. 

ON TOP of all that XXXX XXXX XXXX XXXX and the XXXX XXXX Police notified me in XX/XX/XXXX that someone had come into the XXXX VA branch with fake id 's and my lost debit card attempting to withdraw money from my bank account. I live in GA. I have been working with the police in both GA and VA to try to get a small mountain of identity theft items resolved that I was not even aware of until they contacted me! 

I have emailed each of them asking that they honor their word and remove late payments under the CARES Act to no avail. I need the help of CFPB. I am exhausted at this point. Had I know I'd get treated just like someone who didn't pay at all, I wouldn't have killed myself trying to not let anything fall behind.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize for them to pull my credit
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on me credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the owner of the accounts, I wonder how they obtained my information, I never received any correspondence from them, please delete this from my credit reports XXXX  XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX   XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 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

ON XX/XX/2019 A CREDIT INQUIRY WAS PLACED ON MY ACCT FROM CAPITAL ONE. 

ON XX/XX/2019 A CREDIT INQUIRY FROM XXXX XXXX WAS PLACED ON MY ACCT
Product: Vehicle loan or lease

The first problem was with interest rate it was very high 20.36 %, even though my credit score was good. I called the Santander Bank to lower my interest rate they denied my request they have said that I can do that after 6 months to refinance. However I still want to know why the interest rate is high compared with other banks. 
The second problem was with the dealer that I bought the car from. The price online was {$19000.00}. However they added extra charges under the term certified pre-owned that was a fraud. They added {$2000.00} without mentioning this amount in the agreement and another {$2800.00} for XXXX XXXX contract as obligation not as option because they have told me verbally and convinced me it has bumper to bumper coverage and that was the cause for that addition. The price has jumped to {$24000.00}. Note they did not give me the documents by hand instead they gave it to me through flash disk and I believe the purpose for that was to delay my review because I have only two days to return the car. When I finished the purchase and reviewed the documents and checked with the FPO they informed me that there was only powertrain coverage. I tried to cancel the purchase after three days but the dealer and the bank denied my request. I told the bank about the entire story to take care of this fraud charges ( recording ID XXXX ) with XXXX.