23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I made a payment in the amount of {$410.00} on XX/XX/XXXX. When I logged onto my account it stated XXXX was due. I recieved a letter in the mail from Citizens One stating I owed {$660.00}. I called customer service three times on XX/XX/XXXX at XXXX, XXXX, and XXXX. I explained that a payment was made and why did I receive a letter. I was told the payment was received and that I owed XXXX. XXXX. The last phone call I asked to speak to a manager.  She claimed that I only owed XXXX. When I asked her why when i just paid XXXX XXXX and why now do I owe XXXX due by XX/XX/XXXX? The manager then says I owe XXXX by XX/XX/XXXX. I explained to the manager that the numbers were not adding up. She agreed and put me on hold. I was on hold for 26 minutes. I could not hold any longer due to being on my lunch break and had to get back to work. I've yet to receive a call back explaining current charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mortgage servicing was recently sold from XXXX to Huntington Bank. I have already filed a written complaint about XXXX ( see complaint XXXX ) Now I am having the same issues/problem with Huntington. 

My XXXX City Taxes are way past due and should have been paid from my escrow account. I have a TAX LEVY letter in hand that both XXXX and Huntington also have. There is {$22000.00} in my escrow account. The taxes due are about {$11000.00}. 

Separate from the XXXX experience, this have been my calls with Huntington. I have been fighting with these XXXX companies to pay my PAST DUE TAXES for almost 3 months now. Here 's the latest : XX/XX/XXXX : I notified Huntington of a TAX LEVY letter that I received for unpaid CITY taxes. The representative on the phone assured me that my UNPAID CITY taxes would be paid within a XXXX business days. 
I was told that my problem would be escalated and that Id get a call back. 
I never heard back NO CALL BACK XX/XX/XXXX : I called back to confirm that my taxes had been paid and was told no, not yet, I was assured that theyd be paid promptly. 

XX/XX/XXXX : I called back again to check status. Still unpaid While on the phone, the representative ( XXXX ) indicated to me that the reason that taxes havent been paid because Huntington received a notice that my property was scheduled to be apportioned. I asked her where she got that notice from. She had no idea. She could not find any such notice. Instead, she said it was just in the notes. 
I then asked her to get my City Tax office on the phone with us, which she did. My city tax department confirmed that they have NO RECORD WHATSOEVER of a pending apportionment. 
XXXX said that shed note that and escalate it and have someone call me back. 

This problem carries back to the former loan servicer ( XXXX ). I have been BEGGING both XXXX and now Huntington since XX/XX/XXXX to PAY THE TAXES THAT ARE DUE TO MY CITY immediately. Both have refused to, given me the run around, and broken promise after promise to pay this bill and also to call me back. 

These are the FACTS : Huntington has a TAX LEVY LETTER from my city The amount of taxes due is CLEARLY STATED on the letter The City had CONFIRMED that there is no pending apportionment And, yet, Huntington still refuses to pay the bill, thus putting me at risk of a TAX LIEN. 

Again, this issue traces back to the prior service provider and I have been fighting to get this paid since XX/XX/XXXX. Almost 3-months of repeated phone calls, faxes, emails. Navigating phone systems. Having every person tell me they understand my frustration and will get it escalated and taken care of. All for nothing. Its not fixed and I am beyond stressed.
Product: Student loan

In XXXX I was told I could receive teacher loan forgiveness along with public service loan forgiveness. Upon being approved for the teacher loan forgiveness I was now told I can not also receive PSLF. I have XXXX payments to go to receiving my PSLF. I was wrongly told multiple times I was ok. So now I do not want the XXXX  so that I can qualify for the PSLF... 

Also I was told I was on the right repayment plan multiple times after calling to clarify. I asked for notes to be put into my account stating this and it was never done.. the opposite was done.. I am XXXX with my loans and payments.. never missed one, etc and now this.. Calling today right before repayment begins I was told I infact was not on the right plan and need to switch over. The fact that so many times I've called and received different information is frustrating and sad. No one clearly knows the correct information and my money is in n the hands of others. If I wasn't on my stuff this would be wrong.. 

I'm so mad, uspet and frustrated you can't trust anyone but yourself.. 

I'm very upset with my student loan servicer and the dept of Ed
Product: Vehicle loan or lease

I am writing today in regards to my account with XXXXD Auto Fin Account # XXXX. The reason for writing today is in regards to the late payment is which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Account ( XXXX XXXX XXXX ). Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely XXXX XXXX
Product: Debt collection

I had a credit line with Upgrade in XXXX, I started making payment and could not continue due to hardship. It seems line the debt was transferred to a third party. Last week I found a pile of paper taped up on my door without any envelope and with all my information exposed. The first stating that I have been sued by Velocity Investment LLC. I never signed any agreement with a third party. They came to my door and post personal information which was exposed to the public. They violated my rights. I was given a until the end of XXXX to respond. Any that you can do to help will be very appreciated. Please, advise. 

Thank you
Product: Debt collection

I sent a Affadavit of Cease and Desist to Lendmark on XX/XX/2024 as well as a Affidavit of Demand for Verification of Debt on XX/XX/2024 signed and notarized for both Affidavits letting Lendmark know to send me the ORIGINAL CONTRACT BEARING MY WET INK SIGNITURE NOT A COPY as well as a Affadavit of Cease and Desist letting them know not to contact me by phone anymore the paperwork was sent off certified mail on XX/XX/2024 ( XXXX ) Lendmark ignored my cease and desist and contacted me via phone again on XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed letters to XXXX advising them that. As a consumer by law these accounts on this letter must be deleted immediately ''. I only received a response when filing a complaint here, these accounts still have not been removed. I have also previously asked these bureaus to update incorrect addresses and names listed on my report and they have failed to correct this as well. As requested I want these removed now. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to an attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or alleged credit grantor can act as a debt collector.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Correction of Credit Report Information Dear Equifax Customer Service, I am writing to formally request a correction to the information reported on my credit report regarding my XXXX credit card account. I believe there is an inaccuracy concerning the status of this account. 

As previously stated in my last correspondence, my XXXX credit card account is reported on the XXXX of each month, and I would like to clarify that this account is paid off in full, with no remaining balance. However, the information reflected in my credit report does not accurately represent this status. 

Enclosed are copies of documents that support my claim, including [ list any specific documents you are including, such as statements or payment confirmations ]. I kindly ask you to review these documents and update my credit report to reflect the correct information. 

Please confirm the receipt of this letter and inform me of the actions taken to address this matter. I appreciate your prompt attention to this issue and look forward to resolving it as soon as possible. 

Thank you for your assistance. 

Sincerely,
Product: Mortgage

We closed on a refinance XX/XX/20 and chose to cancel the transaction within the 3 day cancelation period ( XX/XX/20 ). Freedom Mortgage & XXXX XXXX did not cancel and paid off existing mortgage and recorded Deed of Trust for new mortgage. Upon receiving notification that my existing loan was paid in full ( on or about XX/XX/20 ), I contacted Freedom Mortgage and the XXXX XXXX. The payoff wire transfer was rescinded and my existing mortgage is reinstated. However, Freedom Mortgage still never canceled refinance mortgage and said it had been sold to " Investor ''. I have tried contacting Freedom Mortgage. The only contact I can consistently make is with a Customer Care Rep who tells me I am delinquent on payment for the mortgage I canceled with Freedom. I received a letter in the mail from XXXX XXXX ( dated XX/XX/20 ) notifying me the mortgage loan had been transferred from Freedom Mortgage effective XX/XX/20. I once again contacted XXXX XXXX  ( on or about XX/XX/20 ) and notified them that the Deed of Trust had recorded and requested that a Release Deed of Trust be obtained and recorded. on XX/XX/20 I contacted XXXX  XXXX  and a case was opened ( Case:XXXX ). I need assistance to prevent Freedom Mortgage from ruining our credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit information belonging to someone else witha similar name has been reporting to my Transunion credit report. 

XX/XX/22 and XX/XX/22 disputes were filed with Transunion : XXXX XXXX XXXX XXXX XXXX REMOVED ( belonging to XXXX XXXX XXXX ) XXXX XXXX Personal Loan REMOVED XXXX XXXX XXXX XXXX XXXX XXXXlias name REMOVED Some of the addresses associated with the unknown alias were also removed. 

I provided a substantial amount of identy documentation to Transunion that proves we are not the same person ( Birth Cert, SSC, Drivers License, Lease ). 

XXXX XXXX Credit Card responded to dispute immediately and claimed that the account was " VERIFIED '' but have yet to launch a proper dispute or provide proof of how they validated an account belonging to someone else. I did not initially notice the report because it had been reporting in good standing since its opening so my credit monitoring was not alerted. 

I have disputed with XXXX XXXX directly as well as Transunion with no resolve. I've been a victim of credit file merging and Identity theft for over 10 years. It is obvious the account holder is a completely different person. Transunion refuses to remove the inaccuracy even with verifying documents that helped remove the other information belonging to said person, off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX I've sent documentation for those unknown and inaccurate accounts I found on my credit report. It's been 60 days now but there's no response yet. I'm a victim of Equifax Data Breach. I demand to immediately DELETE those accounts or I will file a litigation for causing me so much stress.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Debt collection

They keep reporting to credit bureaus that its my account. My name is XXXX first of all so who is XXXX. Second I dont know who is a XXXX. Tell XXXX to prove I stepped foot on there property. Tell XXXX to prove I signed a contract with a witness. You know cause thats how contracts are suppose to be signed. Tell XXXX to prove that I ever had any affiliation with them. They cant cause they will get sued and yall cant prove it either. That aint my name on that contract and none of that is my information. PROVE IT until then remove it or I will take it to court cause yall will not get XXXX cent out of me. And CFPB if it was mines yall going against everything yall back up. All this is violating 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 without my written instructions. And they are fraudulent adding stuff to my credit and CFPB yall just closing it out when none of that is my information and they havent provided proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XXXX XXXX, 2020 and I never received any reply. I then sent a follow-up dispute on XXXX XXXX, 2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. I know that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX  must be held accountable and to the standards clearly outlined in the FCRA.
Product: Mortgage

I have loan serviced by Ocwen that I had enter into a loan modification, Loan # XXXX I had been in the modification process for over two years and as I modified and went through and the hoops the service was putting me through that were outrageous, having to supply the same documents over and over and over. a hundred of more phone calls more working with attorney company to help me get a modification. In the end they denied me a Harp or a Hamp modification with principle deduction because my credit report did not show my current address as my home address it showed my office address. even after supplying tax documents, utility documents and county records that the house was indeed my residence they still denied me the government sponsored modification. and further more told me if I did n't do the in house modification, agree to it with in 24 hours that they would foreclose. The in house modification tacked on {$220000.00} worth of penalties and interest. I do n't see how this is fair at all and this cant be what the harp and hamp program is about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have not authorized any hard inquiries on my credit profile for the companies Equifax Mortgage Services reported on XX/XX/2021, XXXX reported on XX/XX/2021 and XXXX reported on XX/XX/2021. I am requesting that the credit reporting agencies Equifax and XXXX removed these unauthorized fraudulent hard inquiries from my credit profile.
Product: Debt or credit management

We were eligible for the FXXXX XXXX XXXX XXXX program through the American Express XXXX XXXX, which offers up to {$200.00} in annual travel credits. On this basis, we logged into the American Express travel service website, selected a XXXXXXXX XXXX XXXX XXXX, CT, and booked a two-night stay from XX/XX/XXXX to XX/XX/year>, using the XXXX XXXX 

Later that month, we decided to downgrade our card to the Gold Card after learning that American Express planned to increase the XXXX XXXX annual fee. Considering our current usage, we determined the benefits no longer justified the cost. 

On XX/XX/year>, XXXX months after the stay, I contacted American Express Customer Service to inquire about the status of the {$200.00} travel credit. I was informed that because we downgraded our card from XXXX to Gold, we were no longer eligible for the crediteven though the stay occurred before the downgrade. At no point were we notified that benefits earned prior to the downgrade would be forfeited. 

Adding to the confusion, I was then told that the hotel we booked was not eligible for the XXXX XXXX XXXX XXXX XXXX  This was surprising, as the booking was made through the American Express travel portal and paid for using the XXXX XXXX. 

We believe this situation constitutes misleading advertising. The eligibility criteria for the program were not transparently communicated, and the lack of clarity about forfeiting benefits during a downgrade created unnecessary confusion and frustration.
Product: Debt collection

on XX/XX/2023 I received a phone call from XXXX XXXX XXXX stating I needed to pay a monthly installment of {$81.00} dollars on an American Express credit card debt by XX/XX/XXXX XXXX.I explained to them this amount was paid on XX/XX/2023 -- they stated they had no record of this but I do ( it shows my payment on American Express account spread sheet ) ..this is the second time in 3 months XXXX XXXX Solutions have attempted this double payment " spiel '' ..I became highly agitated when they would not correct themselves..this is excessive erred accounting or attempted fraudulent collection proceedures... it is my understanding they have had multi numerous complaints of this " high handed '' procedure ... I request that they cease any communication to me through preverication as I continue to submit {$81.00} monthly payment
Product: Credit reporting or other personal consumer reports

I see that XXXX, Equifax, and XXXX are reporting multiple XXXX XXXX XXXX accounts reporting somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-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 ''. XXXX, XXXX, and Equifax are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax, and XXXX are not maintaining reasonable procedures.