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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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: Mortgage

I was recenlty provided an escrow shortage document and I paid the shortage, but the shortage did not account for the increase in my insurance and taxes. I asked for my escrow to be adjusted and I was told they can not do that because RESPA dictates that they can not adjust my escrow to pay for the increase in my taxes and insurance, that they have to distribute the difference over 12 months. They said I am not allowed to contribute enough to my escrow account to pay the full amount of my insurance and taxes for the year and that my monthly payment must increase.
Product: Debt collection

This is a complaint from XXXX XXXX against LTD for LTDs failure to provide requested information for the debt alleged. On XX/XX/18 consumer received a demand letter from creditor, LTD. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over 2 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Roughly a year ago I signed up for credit monitoring so I could correct my score. I took care of all of them but XXXX XXXX because I had no knowledge of this account ever. 3 month ago roughly I called them and asked them to explain the agent took all my information and assured me she would send me all supporting documents validating this attempt to collect what seems to me a wrongful debt. A couple months latter I sent them a email with all my information again requesting proof of this debt within 30 days no response at all via email. Then I sent a certified letter on XX/XX/XXXX final request to validate this debt with all and any signed documents by me opening this account on XX/XX/XXXX to send proof or demand they remove account off all my reports immediately with letter to all bureaus stating it was a fraudulent debt. The agent said no. So I talked to dispute supervisor. She claims last week they sent proof of this debt to my house and it has been validated to be true now mind you the last year in a half I have been disputing the same debt through XXXX XXXX, XXXX, XXXX XXXX  and no results just ignored all request. I'm a single father of XXXX trying to get my credit to a decent score so I can get my family a house and XXXX  straight ignores all request and not one has showed me proof in any manner that this is my debt. They are I violation of my rights a ruined my life
Product: Credit card or prepaid card

I have had a Chase Freedom Credit card since XX/XX/1999. Approximately seven ( 7 ) or eight ( 8 ) years ago, my wife was in an accident and is now XXXX  XXXX. At the time of the accident I had difficulty with some bills and did have 2 or more late payments on the credit card account. In accordance with the terms of the account, my interest rate was raised to the " penalty '' rate of 29 %. This was expected and I accept that. 
My problem is that once you are in that " penalty '' catagory, they never reduce it. I have been on time with all of the credit card payments for over six ( 6 ) years and I'm still paying 29 % interest! 
It is like debtors prison. I have called and tried to get the rate lowered but they say my credit is evaluated every six months and they wont lower the rate based on my overall credit history, including utilization. I had to short sell my house and had some late mortgage payments prior to that but why should that affect the interest rate on my credit card? My card is still at maximum BECAUSE they are charging 29 % interest! I believe because I had a Chase mortgage when I short sold my home, they are trying to make extra money from me any way they can. 
I make at least the minimum payment, on time but it doesn't seem to matter.
Product: Credit card

On XX/XX/2024. I was not at the Macy 's store at the XXXX area, XXXX Tx, yet my Macy 's card was used to shop for a charge of {$100000.00}. These are charges that I never used, and it's a fraud, I contacted Mac'y and the supervisor that called me back told me it is denied because you had your card with you. I believe Macy 's should do a thorough investigation to find out who used this card, I requested the store to generate the original receipt and I was denied. Macy 's also threatened that they will report this to credit bureau. I think this is not ethical and I am requesting the CFPB to investigate this further.
Product: Debt collection

I received a bill in the amount of {$1500.00}. from a company called ERC stating that they are trying to collect a debt owed to XXXX XXXX XXXX. I have never had any account or accounts with XXXX XXXX XXXX. The reference # XXXX was provided by ERC, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX.
Product: Credit card

I was woken up by a phone call from Synchrony bank XX/XX/XXXX. I did catch the name but he was harassing me on why I have n't made a payment and I told him that I been short on funds and will try to get some out of my XXXX plan. His response was " fine then you 'll make {$1500.00} '' and I said no maybe {$800.00} or less depends on what I can get out of my XXXX. And I only owed {$200.00}. And he said " you will have {$800.00} or else. '' Then by XX/XX/XXXX, {$800.00} was taken out without my permission. Left me broke and could n't pay my other bills. I tried to resolve this through them but they told me it takes 15 to 20 days to look into it. 
I talked to a lawyer and he said to go through my bank to reverse the transaction. And to report them the feds for harassment and fraud. He also said it does not take 15 to 20 days to look into it. It means trying to cover their XXXX. The lawyer also said that I can sew but it 's hard if I got the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 15 U.S. Code 1681 Section 602a states I have the right to privacy 15 U.S. Code 1681 Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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. Code 1681s2 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. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Product: Credit reporting or other personal consumer reports

This to follow up on a previous complaint filed. Please see attachments of the previous complaint.

Upon reviewing my Consumer Reports, I discovered a late payment on an account for which I have always maintained timely payments. Consumer agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on any of accounts including my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am very responsible and never had a late payment. I demand that discrepancy is removed from my report promptly and immediately, as I have upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Covid lockdown Discover student loans has marked payments as late and shown my account default I want this removed due to finical hardships from covid 19.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sage Stream continues to violate the Fair Credit Reporting Act ( FCRA ) by listing and reporting inaccurate information and inquiries on my consumer report. I should have a clear consumer report. No adverse or negative information or inquiries, should be listed on my Sage Stream Consumer Report. I should have a clean and positive consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and 605b, and continued to report unverified information without providing any proof required by law. The Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Mortgage

I received a modification from Ocwen back in XX/XX/XXXX.The modification included monthly incentives which stated that client would receive {$83.00} reduction or the principal balance after each of the first through fifth anniversaries of the month in which the trial period plan is executed. I followed all instructions to receive the {$83.00} reduction and did not fall behind during this time restriction. When I realized that I did not receive the incentive, I contacted XXXX XXXX from HUD which supported me with an mediator to help comply with terms of the modification incentive. I spoke with the mediator over a few months and the mediator spoke with a representative from Ocwen which resulted in suggestion that ( HUD, FHA ) would hold back a payment to get them to comply. Nothing resulted from the situation with HUD or FHA that was trying to help the client with the situation. The next steps that was suggested to me is the UD Treasury and finding out what department handles the modification incentive agreements. I was sent a letter in XXXX from Ocwen stating the funds will be applied but there was no funds applied to my account. I was sent letters to meet with them on several occasions but I did not see the fruitfulness in meeting with them in lieu of payments due. I contacted two State Rep offices to see if I could be assisted with this matter and I was told I need to find out what department handles this matter in the US Treasury. I am now in the pre-foreclosure stage with PHH Mortgage which is now handling Ocwen accounts. I do not want to modify with the fact that the mortgage company owe me money which I haven't received yet. 

Additionally the trial payment lasted for a year which is arduous. I originally had a 9 % interest rate when I received the modification the interest was reduced to 4.5 % for 30 years which I did not want however I was told by a counselor to sign the modification in order for me to save my home. I was not given the option to appeal the decision. I am now applying for a modification and would like to understand why was the modification recorded 3 years later with the incentive documents missing. I have the original modification paperwork in my email which came from XXXX XXXX which is an Ocwen associate. I am attaching my document I received orginally and the document that Ocwen recorded on XX/XX/XXXX with the missing incentive documents missing.
Product: Credit reporting

I have looked and my credit and notice many, many inquiries and a couple or several accounts inaccurate and not correct due to identity theft, They keep coming back verified and ask for additional information, when disputing, how can a consumer provide additional information on a account that isnt theirs.Also the large amounts of inquiries and fraudulent, unauthorized or unauthorized selling and using of my credit reports with out knowledge or consent. I get told they can not be disputed, but the FCRA states I can dispute anything XXXX XXXX, not mine or inaccurate, it does not exclude inquiries.I expect the companies to verify these inquires to the fullest amount allowed by law, but they do not and when I call some of the companies the say they have no record of that inquiry and tell me to dispute it with bureaus .See it easier and cheaper for these companies to just report these inaccuracies, then to fix them by investigating them .So to keep it simple I would like for the credit bureau to investigate the list of inquiries, cause it is to many to list that fraudulent, or unauthorized, and of dispute the derogatory accounts as well as XXXX XXXX XXXX who is reporting a fraudulent account and also reporting a in correct date, by saying the collection is recent of XX/XX/2014, that is with them, but law states the must report the original date of collection which was many years ago then that before it became fraudulent and was sold to them, they are basically XXXX again the account to damage a consumer score more, a complaint has been filed against them as XXXX I have viewed all of my good accounts and they are all up to date and correct, which that part I am glad to see, but the part that is damaging score as all these inquiries that arent mine is a taking a big toll on me by lowering my credit score and causing me many denials when I did apply.
Product: Student loan

I just recently learned that SCRA can be applied to my private student loan. XXXX student loan informed me about this around XX/XX/XXXX. XXXX  lowered my interest rate and paid me the excess payments Ive made over the years. 

I requested the application of SCRA towards my loans with Firstmark ( Acct # XXXX ). Firstmark only applied the SCRA since XX/XX/XXXX. I keep sending all of my husbands orders since XXXX, but Firstmark never applied SCRA since XXXX, never sent me a check for the SCRA interest overpayment, and never provided me with the information on how much overpayment I have made. Firstmark simply ignored my request to apply the SCRA to my account starting in XXXX.
Product: Credit card

I currently have a Capital One Platinum Card which has a {$59.00} annual fee. I rarely use this card and would have liked to downgrade to a basic card ( e.g. XXXX or XXXX ) which does not have an annual fee. I did not want to close the account to adversely impact my credit. However, Capital One said that I was unable to switch to a no-fee credit card product. So I had no choice to cancel the Capital One Platinum Card to avoid paying the {$59.00} fee. [ NOTE : I was involuntarily upgraded to this fee-based product a few years ago, I kept it because I did n't want to hurt my credit, however I can no longer justify a {$59.00} fee for a product a rarely use ).
Product: Credit reporting or other personal consumer reports

Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : XXXXCreditor/Collection Agency Name : XXXX XXXX XXXX XXXXAccount Number : XXXXXXXX XXXXAmount : XXXX XXXX XXXXDate of Account XXXX XXXX
Product: Bank account or service

I have XXXX different accounts with citizens bank. I rented a car in enterprise and they took XXXX separate amounts on XX/XX/XXXX and XX/XX/XXXX so I could n't transfer the money to cover my gas and electric bill so I got charged the overdraft fee on XXXX of my accounts. I called citizens and explained the situation and at the time it was only showing XXXX overdraft fee which they reversed but later on that day the other fees came in but they refuse to reverse the fee? XXXX returned the money they was n't supposed to take out but now I am stuck with the over draft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from XXXX XXXX asking to verify if I applied for a XXXX credit card on XX/XX/2023. I did not, but there is a hard inquiry on my credit report for this now.
Product: Credit reporting or other personal consumer reports

I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights
Product: Vehicle loan or lease

Hello, I purchased my vehicle in XXXX with XXXX and was approved by American credit acceptance. My first payment was on time and then on I believe. However, starting in the year XXXX I was having financial difficulties because of a job that was slowly being taken away from me. Less hours to leave of absence. I was making par payments, communicating on my circumstances to make sure my vehicle would not be repossessed. But American credit did ILLEGALLY repossess my vehicle. I told them before they took my car that I will be calling back on XXXX XXXX, XXXX, to give an update or payment. I was waiting on my income tax check by mail because the irs sent my refund to my bank account and XXXX XXXX closed my account before my refund arrived, that's another story ( illegal overdraft fees ). Once I received my refund, I had to get my car back because they repossessed it before XXXX XXXX, XXXX, So, I paid the XXXX fees, money I owed, which was not much, and I paid them in XX/XX/XXXX up to XX/XX/XXXX. I believe American Credit Acceptance repossessed my car because of income tax time to get more money. Now present. I moved back home to XXXX, Pa to start over. During that time my family and I was homeless living with a friend to a shelter for 6 months or more this was during the months of XX/XX/XXXX -- XX/XX/XXXX being homeless, we are now in a home, thank XXXX. I was not working during the time. I called to make arrangements, explained my life changing events. I made arrangements to pay in XX/XX/XXXX, but I got my first pay incorrect, so I called back to change the arrangement hard time to do that as well. I had to speak with a supervisor XXXX because the other person XXXX would not help, all was being offered is to repo my car or unfortunately we can't help repeatedly. The arrangement with XXXX was for XXXX XXXX XXXX, XXXX. I called on XX/XX/XXXX to communicate this and It was a brick wall. I was asking for 2 more weeks with a supervisor by the name XXXX as we were talking about my situation, she was so busy talking about how my car was on the repo list in XXXX and unfortunately. Then my phone died. They probably put in notes I hung up, no I did not. Instead of helping me with arrangements to pay my car and to help keep me in my vehicle as stated by American credit by emails. I receive several emails from them asking if my finances have impacted me yes, my whole life was impacted, and no extended help. My car is how I get to work to pay all my bills. I had to get loud because of my frustration of the incompetence of help and lack of empathy. I would appreciate if someone can look into my repossession because I believe in my heart it was not to be repossessed and to please give me more time to pay my debt. I would not be receiving that email if my account wasn't in good standing and my payment history. P.S I also feel a little harassed instead of helped. Customer Service reps I dealt with were very rude and attitude problems, as well.
Product: Credit reporting or other personal consumer reports

I have checked my credit report and these companies or reporting inaccurate information from these accounts