23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Reinstatement of complaints # XXXX and # XXXX Closed by your agency without resolving the issue that SLS increased my mortgage payment to {$2400.00} illegally, after receiving {$300.00} to cover an escrow shortage to avoid an increase in the mortgage monthly installment. As stated in my first and second complain per SLS response to the agency on paragraph four of their XX/XX/XXXX, they conceded that they received on XX/XX/XXXX the escrow shortage of {$300.00}. Their XX/XX/XXXX letter instructed me to pay the shortage of {$300.00} to maintain the payment of {$2400.00} for P & I and Insurance ( P & II ) or opt to accept a higher monthly payment of {$2500.00}. Their XX/XX/XXXX letter instructed that if I opted to pay the lump sum I had to pay separately the {$300.00} from the P & II of {$2400.00} to avoid an increase in monthly payment to {$2500.00}. Following their instructions, I opted to pay separately the lump sum of {$300.00} to cover the escrow shortage and paid the {$2400.00} to cover the P & II. Again in paragraph four of their XX/XX/XXXX letter they conceded that they received the escrow shortage payment separate and the payment of the P & II separate both within the grace period for the payment at issue in XX/XX/XXXX. I followed their instructions, if they allocated the money incorrectly is out of my control. The issue here is that once I paid the escrow shortage in a lump sum of {$300.00}, my P & II was supposed to stay as {$2400.00}. Please see the attachment of their XX/XX/XXXX in which SLS asked for {$300.00} for an escrow shortage. At that time my payment was {$2400.00}. To aovid the monthly increase, I paid and they received {$300.00} escrow shortage within the grace period on XX/XX/XXXX, the grace period extends to the XXXX of each month. However, the monthly payment was increased to {$2500.00}. and then adjusted to {$2400.00}. What justify the increase? SLS have not explain that, SLS only states that my monthly payment is not {$240.00}. I refute that, once I paid the escrow shortage, no increase in monthly payment is legal nor justified. However, SLS is still raising the P & I to {$2400.00} from {$2400.00}. In addition, SLS is requesting as collectible {$87.00} to satisfy shortage alleging that I underpaid because I paid {$2400.00} in XXXX. This is incorrect. Once I timely satisfied the {$300.00} escrow shortage on XX/XX/XXXX, the P & II payment is suppose to stay at {$2400.00}. SLS does not dispute that they received the escrow shortage of {$300.00} and have not explained the increase of the monthly mortgage installment. The lump sump was specifically to cover any escrow shortage and avoid increase in the monthly mortgage installment. In addition, SLS embarks in predatory lending with an interest rate at 7 %. For years I have tried to lower my interest with them specially during the time that the interest rate was less that 3 %, but they refused. I am XXXX XXXX veteran, I have very good credit, I need your help. I 'm looking forward to hear from you and please do not close the complaint before resolving the issue in my favor. I may be reach at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN REQUESTING THAT THE CREDIT BUREAUS VALIDATE THESE ACCOUNTS REPORTING TO MY CONSUMER REPORT AND ALL THEY DO IS SEND ME A RESPONSE SAYING THE ACCOUNTS WERE VERIFIED WITH NO PROOF. THIS HAS GOTTEN VERY ME VERY ANGRY AND UPSET BECAUSE I KNOW THEY ARE NOT FOLLOWING THE LAWS THAT I'VE BEEN READING AND VIOLATING MY RIGHTS AS A CONSUMERXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Validate/inaccurate reported late payments. instruction : Update to paid as agreed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation Instruction : This account is in violation. delete this account off my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX .... 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation Instruction : This account is in violation. delete this account off my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation Instruction : This account is in violation. delete this account off my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX : XXXX .... 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely
Product: Debt collection

I had signed a lease agreement for wheels and tires from a company. I have been fighting with the company since I had signed the agreement. I did not want them and tried to cancel the lease. I have since been charged for 3 months with items I never wanted. I finally got ahold of someone with XXXX and they resolved the issue with the merchant only to tell me I still owe them money or they will report that I am delinquent on my credit report. I spoke to the lady today and she stated that on the phone. I DO NOT HAVE THESE ITEMS. They have them and in no way should I pay for an item that I did not want. I also should be refunded the full amount that was paid!!! This is the worst company to ever deal with. I have done lease to own with XXXX and XXXX and they were amazing. This company to state that if I do not pay for items I do not have in my possession that it will report to my credit bureaus should be illegal and they should be shut down. Please help me recover the funds and ensure that they do not report any information to my credit report as I do not have possession of these items.
Product: Debt or credit management

According to XXXX XXXX XXXX ( C ) Law states : If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease All communication
Product: Credit reporting or other personal consumer reports

I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C.

1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found that these actions were initiated without proper validation or original documentation from any of the reporting entities. 

XXXXXXXX XXXX Account XXXX : XXXX I understand that you have been sending generic responses to consumer disputes and challenges, disregarding the specific information provided. This is illegal, as each case must be addressed individually. My letters were created using widely available software. Failure to process them violates 15 U.S. Code 1681i. Delaying based on third-party assistance is not legally justified. If you don't handle my letters promptly, it indicates intentional disregard for my consumer rights, leading me to seek legal action through my lawyer.
Product: Credit card

I was checking my credit on the XXXX XXXX  website and it disclosed that I had a capital one credit card with a {$500.00} credit limit. Further, it reflected the date the credit account was opened ( XX/XX/2023 ). I called Capitol One and asked how was the credit card account opened. I verified my DOB, SSN, and provided a pin number that was sent to me via text message. Capital One would not provided what address they had on file or how the account was opened. Additionally, Capital One fraud department representative ( which was located in the XXXX ) told me they could not close the account. I requested Capital One to close the account because it was not authorized by me. The Capital One representative me they couldn't close the account with me verifying my identity. The representative provided an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After that, I hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report and discovered several inquiries that I have no knowledge of. 

Because I did not apply for credit with 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, or XXXX. I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into all of these named inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings.
Product: Student loan

I recently XXXX from an XXXX program with various loans managed by Navient. Things were bad from the onset remain unresolved. Navient released falsified documents and mailings blatantly lying to me about the start date for my loan repayment. All materials ( which was later confirmed by their " Department of Customer Advocacy '' after I called to complain ) stated that XXXX 2016 was the first month of repayment period, when it was XX/XX/XXXX. Accordingly, I was penalized and of my initial mandatory payment, XXXX % went to the additional interest that accrued - or Navient 's bottom line. I only found this out by meticulously analyzing each loan, payment and recalculating all numbers. In addition, I discovered that this is a relatively well-known, common practice within the firm. A Navient customer service representative confirmed this nefarious tactic during my initial phone call ( that was recorded ). The Navient representative stated that this intentional misinformation is part of their automatic billing and communication system and that he did not personally agree with the firm 's practice. Essentially, they have charged potentially every person with a student loan an additional month of accrued interest over a vast period of time. I had the money available ( and I currently pay well over double my mandatory payments ), but due to purposefully erroneous information I and tens and perhaps XXXX individuals have been cheated for investing in themselves, for getting an education and simply doing what is right. Navient, has not followed up on my complaint as they said they would. I was never given a case number, a call back or even respect during the phone calls. When I called to follow up the company sent me to XXXX additional customer reps that simply asked why I was calling and forwarded me to one wrong department after another ... until they finally forwarded my call to a voicemail box. Since we have no choice which firm handles our loans or form where they originate there is little this message can do to help. If you do have Navienvt, however, be very careful, they should not be trusted - which is incredibly sad for students and our financial institutions as a whole. Unfortunately, there is not a select all option for what is " my issue '' as this clearly qualifies as " trouble with how payments are handled '', " Do n't agree with the fees charged '', " Received bad information about my loan '', and " Having problems with customer service ''. I will simply select one option with the assumption that there are several issues at hand here.
Product: Debt collection

I am enrolled in a XXXX update program and every year in XXXX i get a new phone from apple using their financing company called XXXX XXXX. 
Unfortunately this year i got denied with the following motivation " UNSATISFACTORY CREDIT EXPERIENCE WITH OTHER CREDITORS ''. 
I immediately ran a credit report on my XXXX and everything looked good as usual except for an illegal debt collection activity. 
On XX/XX/XXXX, the company CAINE & WEINER COMPANY INC submitted a collection debt for the insurance company progressive. 
The amount due is {$230.00}. 
The date of First Delinquency is XXXX XXXX, XXXX. 
The Date Assigned is XX/XX/XXXX. 
I want to clarify that the debt is not mine for the following reason : I am originally from XXXX and i moved to XXXX on XX/XX/XXXX, after that date i got all my document including SSN, DL and immigration documents for that reason the debt it can't be mine. I Have never had an account with them. 
This illegal practice is causing several problems and i really wan to fix that legally. 
I absolutely don't want to pay a debt that is not mine. 
I am willing to provide any documents you need to fix the problem. 
Kindly Regards XXXX XXXX
Product: Debt collection

Continues to contact me after sending a receipt of payment to the original creditor ( hospital ). Told them on the phone and in writing that I disputed the debt and not to contact me by phone any more and to send any proof that I am wrong about this debt. I have seen nothing from them to show that I owe the debt. They stopped calling but began again recently. So my complaint falls in several areas of the fair credit act. Not calling again after told. Not responding in a timely manner when the debt was disputed 6 months ago.
Product: Debt collection

Dear CFPB, today, XXXX XXXX, 2015, I recieved via regular mail, harrasing letter from a agency called XXXX XXXX, XXXX concerning a debt that I have no knowledge of. I will be sending this agency a debt dispute and a letter to stop harrassment through the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I 've made numerous attempts to have this information removed from my report. I 've submitted numerous letters for verification and each time they have returned false information.     I received my most recent follow up from   XXXX   and they removed the bankruptcies, I have attached this for your viewing.     Transunion and  XXXX  have yet to respond.   Please assist and ask that they provide actually proof of validation of the bankruptcies showing. As I have yet to be provided.     Both Transunion and   XXXX   stated that  XXXX   XXXX  provide this information I contacted them personally and this was advise to be inaccurate.     Secondly, they advised they contact the  Court  office and I spoke with the court house and the clerk explained they do n't release private information.     I advise them of possibly litigation and they have yet to respond both Transunion and  XXXX .     Please assist with removal of items. Thanks
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX Transunion was task with investigating XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXand validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt. 
A signed agreement where I explicitly agreed to pay the creditor. 
Details of any insurance claims filed by the creditor regarding this account. 
Documentation of any judgments obtained by the creditor related to this account. 
The name and address of the alleged creditor. 
The name associated with the alleged debtor. 
The alleged account number. 
The address on file for the alleged debtor. 
The total amount of the alleged debt. 
The date the alleged debt became payable. 
The date of the original charge-off or delinquency. 
Verification that the debt was assigned or sold to the collector.

A complete accounting of the alleged debt.

Details of the commission the debt collector would earn if collection efforts succeeded. 
The method used to verify and validate this information. 
None of this information was provided. Additionally, XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX manipulated the data originally present in my file. The attached documents show that the initial account was linked to " XXXX XXXX XXXX XXXX XXXX, XXXX, Illinois. '' After this information was confirmed to be fraudulent, XXXX XXXX XXXX XXXX altered the document file to " XXXX XXXX XXXX XXXX XXXX XXXX, Illinois. '' This missing information, combined with the deliberate manipulation of my consumer data for corporate benefit, constitutes violations of the Fair Credit Reporting Act ( FCRA ) and consumer rights laws, specifically XXXX ( XXXX XXXX. XXXX ), which pertains to the treatment of inaccurate or unverifiable information. 
Because the information required for account accuracy validation has been manipulated and is, therefore, invalid, XXXX XXXX XXXX XXXX and XXXX is obligated to delete the account and any related connections to my personal information.
Product: Credit card or prepaid card

I needed to purchase a pair of XXXX XXXX, and I located Care Credit, through CareCredit, Synchrony Bank.

They offered me a promotional rate for one year ( no interest charged, if paid in full in the one year ). However, as XXXX  are expensive, I could not afford to pay the amount in the one year specified time. My balance, as of XX/XX/2018 was {$2300.00}. However, on XX/XX/2018 I was assessed interest of {$1000.00}, making the balance owed, {$3200.00}. I tried to take a loan, but it was not possible ( I have been given an additional month to make full payment of the {$2300.00} ). The interest rate is 26.99 percent. This would seem totally in appropriate for a needed medical device for someone who is XXXX years of age.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX I have had a coinbase account since XX/XX/XXXX. I have had no problems with my account until XX/XX/XXXX. I received an email stating that I had inquired about my account from an email address that was not on file. I then logged into my account and noticed that nothng looked unusual with my account. All the balances were still as expected. As a precaution I forwarded the email to coinbases security team and put a manual freeze on my account. I have been trying to unfreeze my account since XX/XX/XXXX and was told that the response time would be 4-7 business days. After 20 business days I filed a formal complaint on the coinbase website and received an email stating they would get back to me in 15 business days. Then after a week received another email stating it would be another 20 business days. I have a fairly large balance and the fact that I can not get any response has prompted me to tell my story here. 

the coinbase case # is XXXX Thank you for your help XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED THAT XXXX, EQUIFAX, AND XXXX REMOVE THE FRAUD ALERTS FROM MY CONSUMER PERSONAL CREDIT REPORTS THAT THEY CONTROL CONCERNING MY DATA OF DISCLOSURE. 
WHICH IS MY RIGHT UNDER THE FAIR CREDIT REPORTING ACT, TO CHOOSE TO HAVE OR NOT A FRAUD ALERT ATTACHED TO MY CREDIT REPORTS. 
THE SAID ABOVE CREDIT AGENCIES HAVE NOT COMPLIED WITH MY CURRENT REQUEST TO REMOVE THE FRAUD ALERTS.
Product: Mortgage

As of know PennyMac has not send the payment for my property tax. I keep calling the Bank to inquiry about the payment and nothing has been done to resolve the problem. They claimed that they did a wire transfer on XXXX XXXX, 2016 for the amount of {$2300.00} but when I called XXXX XXXX County to check on my account they told me that they have not received any payment. I do n't want to be held responsible of the late payment. If the bank sent the payment late they should be responsible of the late charges. Also, I need to know where is the payment and the date they send the payment? Please investigate.
Product: Credit reporting or other personal consumer reports

The XXXX student loan accounts I have are being reported twice on my credit report. Because there are duplicate accounts on my credit report my total student loan debt on my credit report is higher than my actual total student loan debt shown in my XXXX portal. And, this lowers my credit score and hurts my debt to income ratio.
Product: Mortgage

Recently I pulled my credit report and noticed that 2, 30 day lates were filed by Wells Fargo Home Mortgage. It just so happens this is when my home closed and final payoff was received. The house was supposed to close in XXXX but unfortunately was delayed and closed on XX/XX/2017. Well Fargo sent me a confirmation notices of the complete balance being paid on XX/XX/17. They also reported me for being 30 days late in XXXX. This shouldn't have happened and need to have it removed from my credit report. Getting through to someone at Wells Fargo that can actually help you is an act of god.  Please help ....