23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/2018 I contacted Discover Card to ask for assistance in lowering my payments. 
At that point I owed {$5800.00}. and was being charged 18.99 % interest. 
They told me they could offer me at lower rate of 16.99 % for one year, there was no mention verbally or in writing that at the end of that period I could not apply for additional help.Under the program I am paying {$110.00} a month of which {$30.00} goes to the principal and the rest is interest. 
I started writing, calling and emailing Discover in XX/XX/2018 advising them that effective at the end of this temporary program I would no longer be able to make full payments. I stated that due to age ( XXXX ), health ( XXXX and XXXX XXXX XXXX ) and my income based on Social Security I will never pay this loan off as currently outlined. 
Here is a list of Discover personnel I have corresponded with : XXXX XXXX, Manager, Executive Office of Customer Advocacy XXXX XXXX, Same office as above XXXX XXXX, Same as aboe XXXX XXXX, Executive Office of Discover XXXX XXXX, CEO/President of Discover all are located at XXXX XXXX XXXX XXXX, XXXX, De XXXX All of the above advised that I was notified on XX/XX/2018 that I would not be eligible for a new program for at least one year. I had advised them that I was never advised of this provision. XX/XX/2018 was seven months after I entered the program. 
Discover is not willing to reduce the interest rate or set reasonable payments on my account. I have attempted in good faith to deal with this problem to no avail.
Product: Mortgage

Me and my wife refinanced our mortgage in 2019 with a new bank. The refinance process took some time and escrow closed on XX/XX/2019. 

Some months after the refinance process I noticed our credit scores dropped, I found Caliber Home Loans is reporting a 30 days late payment for the month of XX/XX/2019, I decided to contact Caliber Home Loans to resolve this mistake. 

Base on my own records the 30 days late payments marks are inaccurate and completely wrong. The payment, with Caliber Home Loans, was due on XX/XX/2019 and escrow paid-off the loan on XX/XX/2019, then closed on XX/XX/2019. When I called Caliber Home Loans they claimed to received the pay-off amount on XX/XX/2019, on their end the payment was received 30 days late. 

They are wrong, I send them proof of escrow closed on XX/XX/XXXX and before escrow closed they paid off the loan but I noticed they just don't care. I spoke with a manager of Caliber Home Loans and she accepted the payment was wired BEFORE XX/XX/XXXX BUT due to the time zone difference and processing delays the payment was posted until XX/XX/XXXX. 

This is unfair for me and my wife since our credit scores were destroyed due to " the time zone difference and processing delays ''. The payment was made before 30 days late and they should correct our credit reports.
Product: Credit card or prepaid card

I have credit card account with Union bank since XX/XX/XXXX. I was making regular monthly payment. I use XXXXXXXX XXXX  electronic checks for payment. On XX/XX/XXXX XXXX I received the letter from Union Bank stating my payment was received in XX/XX/XXXX but is returned, not accepted. I will incur late fee with next statement and needed to pay ASAP. Of note, due date is XXXX of each month. Bank deliberately mailed the letter late to set up a customer for late charge. 
I confirmed with XXXX XXXX check was mailed on XX/XX/XXXX and was cleared on XX/XX/XXXX I have the letter from XXXX XXXX  with a copy of the check. I called Union Bank, I was advised the case will be escalated with payment team and I should check in five business day. On XXXX XXXX I received a letter from Union Bank advising me to pay ASAP to avoid collection process! I called Union bank again on XX/XX/XXXX and was advised in rude away I have to pay. I again advised Union Bank I did not receive any reversed payment, {$200.00} were sent by XXXXXXXX XXXX. I did not receive my money back. I was advised again case would be escalated to the payment team I have to wait for ten business day. I called on XX/XX/XXXX and was advised same, case was escalated As responsible consumer with credit score XXXXXXXX I am concerned about the situation. I am between two banks now, I payed on time, two weeks prior to due date. As of XX/XX/XXXX I did not receive a check from Union bank with reversed payment.Money were cleared from my XXXX checking account! I called your agency and I was advised to open dispute case. I tried to open it last week and today, XX/XX/XXXX Both time my request to open the dispute case was declined! I just spoke with representative XXXX who declined my request. I asked to speak with the supervisor but she/he is not available .I was advised supervisor would call me back within an hour. 
I did make my payment on XX/XX/XXXX with the memo to apply the payment for my XXXX statement. I believe XXXX payment was lost but money were cleared from my account .I would like to pay my XXXX dues when I receive my money back! It should be in Dispute process .Union Bank declined to open Dispute case. 
I appreciate your assistance in this matter! 
I can prove with my monthly bank statement, so called reversed payment is not received. 
XXXX XXXX XXXX number with Union Bank XXXX
Product: Credit card

New complaint connected to a previous complaint about Barclays Bank and the UpPromise card : I need for Barclays to *remove the inquiry from my Credit Reports* because it has indeed affected my credit rating, which affects Jobs, Housing, and Credit. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to address several inaccuracies and violations present on my credit report. It has come to my attention that my credit report contains unauthorized inquiries and incorrect personal information. I have taken the necessary steps to verify the information, and I kindly request that the following discrepancies be investigated and rectified in accordance with the applicable laws and regulations : Unauthorized Inquiry : Creditor : XXXX XXXX  Date of Inquiry : XX/XX/XXXX I have no recollection of providing authorization for this credit inquiry. As such, I demand that this unauthorized inquiry be promptly removed from my credit report. This action is in line with the Fair Credit Reporting Act ( FCRA ), which mandates obtaining proper authorization before conducting credit inquiries. 
Incorrect Personal Information - Alias : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, R This alias does not pertain to me, and I request that it be immediately expunged from my credit report. The FCRA stipulates that credit reports must accurately reflect an individual 's personal information, and any inaccuracies should be promptly corrected. 
Incorrect Personal Information - Address : CURRENT ADDRESS : XXXX XXXX XXXX  XXXX, AZ XXXX The address listed above is incorrect and does not correspond to my current residence. I kindly request that this incorrect address be rectified in line with FCRA provisions on accurate reporting. 
Unauthorized Inquiry : Creditor : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Similar to the previous unauthorized inquiry, I have no recollection of granting permission for this credit inquiry. I urge you to promptly remove this inquiry from my credit report, as per the FCRA requirements for proper authorization. 
I appreciate your attention to this matter and your adherence to the laws and regulations designed to protect consumers ' credit information. Please provide written confirmation once these discrepancies have been addressed and rectified. 

Thank you for your prompt action in resolving these issues. I look forward to a swift resolution and an accurate credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Due to having an incorrect address, XXXX forwarded my account for {$110.00} to a collection agency ( Focus Receivables ) at XXXX. They negatively reported this issue to the credit bureau and I have attempted multiple times to resolve this issue and get it removed from my credit file.
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. 

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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding the XXXX XXXX store credit card issued by XXXX. In XXXX I XXXX I went to XXXX XXXX store in XXXX of XXXX to buy electronics. After purchasing I went to the cashier to apply for the XXXX XXXX credit card. The cashier took my driver license and processed the application. After processing the application the cashier told me that my application is rejected due to information mismatch. So I used my credit card to pay for the purchase. After one month I received a statement from XXXX showing that I opened the credit card and it was showing a annual fee of {$30.00}. I called XXXX and told them that my application was rejected in the store and I used my credit card to pay for the purchase. I requested them to close the account because I don't want to pay for the annual fee. They told me that they will close the account. After one month when I checked my credit report it was showing 60 day late payment remark on my transunion, XXXX  and XXXX  credit reports. I immediately called XXXX and reported the matter. They promised to close the account and remove the late payment report from the credit reporting agenies. In XX/XX/XXXX when I checked my credit report, it showed a serious delinquent or missed payment report on my credit report. I AM GOING TO XXXX XXXX  AND THIS REMARK IS CAUSING ME PROBLEMS IN GETTING LOANS AND APARTMENT LEASE. PLEASE HELP ME TO REMOVE THIS REMARK FROM MY CREDIT REPORTS, SO THAT I CAN GET LOAN FOR MY XXXX XXXX.
Product: Student loan

In accordance with the Fair Credit Reporting Act, the creditor Navient, has violated my rights. Under 15 USC 1681, Section 602, states I have the right to privacy. Section 15 USC, 1681. Section 604A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC 166B a creditor may not treat a payment on a credit card account as late for any purpose.

Additionally, under the Higher Education Act, Federal student loans which have been reported to be in default for 7 years or more, must be deleted from a consumers credit record.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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

In accordance with the fair credit reporting act XXXX Account # XXXX, 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 a account with 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: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

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  I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Product: Bank account or service

I made a mobile check depost on XX/XX/2017 at approx. XXXX in the amount of {$150.00}. The following day I received an email from my bank that stated " The funds will be held for an extended amount of time because you did not write NYCB Mobil Depost below the signature line. '' Unfortunately, I made a mistake and wrote on the back of the check " NYCB App Deposit '' instead of what the bank required. The email did NOT state a specific day that the funds would be available and the funds are not currently available as of now XX/XX/2017 @ XXXX. Tomorrow will be the 6th day that the check has been deposit and has not been cleared for me to receive my money. I have never deposited a check into this bank at any time and not been given at least {$100.00} dollars in approximately 2 days. I feel like this bank is holding my money for a ransom and it is not right and not good business. 

My checking account number is XXXX and the money was deposited into New York Community bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX SSN : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX NJ XXXX Sincerely XXXX XXXX Enclosed : copy of State ID and ss #
Product: Student loan

On XX/XX/18 and one time before that I requested from Discover how they recalculate variable rate loans. Instead of just increasing the payment amount, they extended the loan term. This only benefits the lender not the borrower unless the borrower requests a lower payment. I have once again requested from Discover, my original loan documents to see what the agreement for recalculating variable rate loans was that I signed and also how they recalculate loan payments.
Product: Debt collection

A solar-power company " XXXX XXXXXXXX XXXX '' offered me solar panels for my home in XXXX of XXXX. They informed me that if I agreed to secure a loan with a third party, ( XXXX XXXX  ), they would create a design plan, provide a final cost estimate and allow me to decide if I wanted to proceed with the purchase. I was sent an e-mail that assured me that I would have the right to cancel beyone their usual 3 day cancellation policy. The company never completed the design plan and did not return my phone calls until after I cancelled the third-party loan, several months later. XXXX XXXXXXXX XXXX and XXXX XXXX then initiated the process to collect a debt from me despite never performing any work. I never received any product from this company - no work was completed. Eventually, I received debt collection notices from Southwest Recovery Service- for approximately one year now. Despite explaining my situation to this debt collection agency, they have not taken the proper actions to rectify the situation, resulting in a significant negative impact on my credit report.
Product: Credit reporting or other personal consumer reports

years I've been fighting with these credit agencies about accounts being solicited on their platform for profit and gain without my explicit and direct consent. And for years these credit agencies use their platform to harm the character of consumers while causing XXXX XXXX XXXX XXXX  while they gain profit off of the consumers name. There are XXXX accounts in question that XXXX refuses to verify but continues to publish on their platform regarding consumer XXXX XXXX non public personal information. XXXX XXXX XXXX XXXX XXXX XXXX. Hunter Warfield. I never gave the XXXX XXXX XXXX XXXX XXXX XXXX or Hunter Warfield explicit or written consent to publish my non public personal information. The definition of Verification means to prove something through sworn statement. I never received a sworn statement after requesting verification of accounts which is a violation of the Federal Fair Credit Reporting Act and also a violation of XXXX XXXX XXXX in the conspiracy to team up against me in the collection of a debt as well as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Credit agencies is also in Violation of section XXXX of the Fair Credit Reporting Act XXXX XXXX XXXX Permissable Purpose. These accounts are XXXX accounts and the credit agencies is still reporting a balance when no credit amount should be displayed at all. Because I never gave written or explicit consent to publish non public personal information, The credit agencies is also in Violation of XXXX XXXX XXXX - Aggravated identity theft stemming from violating FCRA XXXX XXXX XXXX XXXX XXXX permissible purpose can be access and used by third parties. Therefore I am exercising my consumer rights per FCRA under XXXX XXXX XXXX and demand a block of information resulting from identity theft. The CFPB can provide appropriate proof of the identity of the consumer. This information is not information relating to any transaction by the consumer. The Credit agencies, XXXX XXXX XXXX nor Hunter Warfield can provide a sworn statement under penalty and perjury that they have explicit consent to furnish non public personal information about consumer. This is my notice that if either company can not provide a sworn statement that consumer owns, owes a debt to them or if verification can not be provided to consumer for consumer to inspect and these items still remain on consumers credit report after verification process then consumer will take it as a willful act of violation against the consumer and will be forced to file suit of claim in state court. There isn't any lawful contract in effect between XXXX XXXX XXXX, HUNTER WARFIELD and XXXX XXXX. No verification has been sent to XXXX XXXX proving consent or agreement for the publication of non public personal information. XXXX, XXXX and XXXX are non government affiliate private third party entities who are purposely violating consumer rights. I XXXX XXXX do hereby attest under penalty and perjury that I did not give explicit or written consent for my non public personal information to be shared with any third party entity.
Product: Mortgage

We have an escrow account with OCWEN on our home loan to pay tax and insurance. It is a new loan and we forgot they pay our taxes and we paid the County the taxes. When OCWEN sent tax payment to County the payment was returned to OCWEN because the tax bill ( {$2300.00} ) had been paid. We contacted OCWEN to get refunded this overpayment, which sits in our escrow account. They refuse and instead say they are making an adjustment which is actually charging us MORE each month for 49 months ( see attached letter )! It makes no sense. We do NOT want to have an adjustment on our monthly escrow to absorb this overpayment, we want a simple refund so it is not confusing, plus {$2300.00} is a LOT of money to us and we need to be reimbursed.We need our money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report once again after clearing up incorrect information show from a monitoring service that I'm in the process of getting a vehicle loan for my XXXX XXXX and I have unknown loan on my report that's not mines at all show XX/XX/XXXX. I am filing this initial complaint being consumer financial protection bureau helped with clearing a unknown item recently. There is an account that show as a collection that I don't have and not aware of and I am demanding that this account be deleted & removed permanently from all 3 credit bureaus - XXXX, XXXX XXXX , & Equifax based my research says by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of XX/XX/XXXX.
Product: Credit card

Chase : XX/XX/XXXX ( date letter received, doesnt give app date ), it doesnt give an amount applied for. None. They said it was fraud and to not take action. 

XXXX XXXX : XX/XX/XXXX ( date letter received, doesnt give app date ), it doesnt give an amount applied for. None ( didnt call because XXXX XXXX filed as fraud ) XXXX XXXX ( 2letters sent ) XX/XX/XXXX is when I received the letter. 
They took my fraud claim ( also for the others that popped up ) told me to also report to credit beraus Also got letters from XXXX, XXXX XXXX ( for packages ) and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to this credit bureau requesting verification of how they verified these creditors XXXX XXXX, XXXX XXXX XXXX DEPT OF ED/XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX , US DEPARTMENT OF EDUCATION , US DEPARTMENT OF EDUCATION , XXXX XXXX, and XXXX XXXX. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding these alleged accounts. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.