23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage loan had recently been bottled by Mr. Copper XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 

I was Informed that my escrow would be going up due to lack of funds which the proper funds are already there. They had said to me and others that had recently been bought by them. That's a 2024 projections. Are a lot higher than they thought and bills.Went up as high as $ XXXX {$900.00} to account for that. So personally my mortgage went from $ XXXX to $ XXXX. 

All this after a class action lawsuit for " extra fees '' ( see link ) https : XXXX Myself anf others are concerned about this random " escrow increase '' when their projecting an increase of over 100 %. This seems Like an insane amount to project. Not only is it wrong, but something doesn't seem right saying that it's going up over a 100 % increase.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for Care Credit and was approved for {$7000.00}. A week later I checked online and the account was blocked. I have never used the account. I received a letter asking to verify my identity. I mailed my documents to the PO Box on the letter. TWO MONTHS LATER THEY CLOSED MY ACCOUNT! WITH NO EXPLANATION! I don't understand how a company like this can still be in business. I've never had fraud in my name and I sent in the paper work they requested. WHY WAS MY ACCOUNT CLOSED??????
Product: Mortgage

I have filled out XXXX requests and loan modification packets. XXXX they did not receive and ONE they were missing documents. I sent the missing documents to XXXX XXXX who was in charge of the modification department per her. I have emails to her direct email with the documents needed. 
Since then planet home lending has put my home into foreclosure status and I obtained the assistance of XXXX XXXX XXXX to help keep my home. 
I have had XXXX XXXX way calls between the XXXX companies and was approved for a tier XXXX medical loan. I have filed all documents needed. 
My complaint is about the harassment from a process server that planet home lendings lawyer obtained. She has been to my property 3 times in XXXX weeks even though she was given the cease and desist letter. She told my sister in law today that everything behind her is about to be taken even the ground that she stands on. ( All on camera ) And that the sheriff 's will be out soon to remove myself and XXXX young children, XXXX of which are ill along with myself. I've also spoken to plant home lending 2 times in the last XXXX weeks. But it's the same thing over and over since this company lacks the presence of reporting notes and conversations with clients. Thus NO COMMUNICATION IS PRESENT WITHIN THE COMPANY. 
I HAVE A CEASE AND DESIST ORDER. 
I also have proof that they were given the information by myself about the PACE PROGRAM fraud on my house, with whom they are trying to sue as well. So they will never win that case in court. 
I begged for there help when I found out that the XXXX company forged my husband 's name on forms to RENEW FINANCIAL in which I have an open case in the XXXX XXXX XXXX XXXX department.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my credit report is showing inquiries from XXXX. I did not authorize these inquiries and would like them removed immediately from my credit report. 
Name of Company XXXX Date of Inquiry - XX/XX/XXXX
Product: Vehicle loan or lease

XX/XX/XXXX, my XXXX XXXX XXXX XXXX with XXXX # XXXX was repossessed by Ally Bank even though I did not have any dealing with Ally Bank and I do now owe my Bank XXXX XXXX XXXX XXXX. On XX/XX/XXXX, it was redelivered to me. When it was delivered it had damages that were not there before it was repossessed. And the check engine and other lights were on. The wiper water had stopped working. The car was not in the state that it was before repossession. Despite the heavy damages, the Bank did not explain why or fix the damages. There was also no explanation for why it was repossessed for almost XXXX weeks.
Product: Debt collection

My mother, XXXX XXXX, who was on the lease, as well entered into a payment arrangement with representative XXXX XXXX of National Credit Systems. According to XXXX XXXX, I had an outstanding balance of {$1500.00} from The XXXX at XXXX. This was surprising because my mother was currently in the process with XXXX ( from XXXX ) of getting a balance adjustment. According to Mr. XXXX, although I was working things out, that I needed to take care of the bill before he sends it to the 3 credit bureaus. According to my mother, she asked him what can she do to prevent from hurting my credit. Mr. XXXX ensured her that if she makes a payment and continues to be current with the payment arrangements that they would prevent any derogatory reporting to any credit bureaus, PLEASE ASK TO LISTEN TO THE CALL RECORDINGS. ( It should be noted they record every call ) Even though she has NEVER missed a payment and/or never later ( they drafts my account every 2nd of the month ) XXXX XXXX XXXX blatantly violated the agreement by reporting as a late payment, the wrong amount, and being sent to an attorney ( WHICH ARE ALL FALSE ). Please note that following the XX/XX/XXXX, payment on XX/XX/XXXX, they reported me late before XX/XX/XXXX payment was due. She inquired with Mr. XXXX and he acknowledged that she was not in violation but he continued to try to collect {$470.00} and would remove the account from my credit report. She contacted Mr . 
XXXX 's manager, XXXX XXXX. According to Mr. XXXX, the verified that my account was NEVER late and missed any payments and there was a computer malfunction and that he would immediately DELETE the collections for All credit bureaus. According to Mr. XXXX, he submitted the initial deletion letter on XX/XX/XXXX. It now XX/XX/XXXX and this company continue to update this account with inaccurate and completely false information. After several attempts to have my account corrected, they removed the account from XXXX XXXX 's but continue to report me as " late Payment ''. Which is totally inaccurate. No payments have ever been missed and/or late!!! Several attempts to contact NCS now no longer responds.
Product: Debt collection

Over the past four years, I have been requesting that this entry be removed from my credit report. They refused to remove this from my credit reports. 

As of the time I am sending this complaint to you, I have again today submitted a request to provide proof that I owe this company or remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in this. As a follow-up to the last CFPB complaint I filed on XX/XX/XXXX, I am filing this one. On XX/XX/XXXX, I wrote to the credit bureaus and asked them to delete the following things from my file because they are unknown to me. I just learned about this regulation, and it states that credit reporting agencies must delete all accounts and information no later than four business days following XX/XX/XXXX, as per FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ). This was also mentioned in my earlier complaints # XXXX, # XXXX, and # XXXX, therefore I'm mentioning it again. Please remove the following items as soon as possible 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 XX/XX/XXXX. Also, if the Credit Bureaus claim that the disputed items belong to me, I am requesting that the Credit Bureaus send me copies of proof of verification. In the event that the Credit Bureaus do not comply with the requests, please remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I had an issue with fraud on my account that took months to deal with and was finally resolved with cfpb, but there is still one more issue. My card kept having late fees and a late balance, but I was not paying them and was told not to since the whole balance on my card was fraud. One agent did not even report the fraud, which is why these late fees were still appearing. Discover claims they notified me that the account was closing, but I never received any documentation due to my mail being compromised. All I would like is for my account to be reopened and sent a new card. I would be willing to open a XXXX XXXXXXXX or have the card sent with some type of signature mailing so I am sure the card will get delivered. I have an excellent payment history with this account and have been using it appropriately before the fraud appeared. I should not be held liable for someone elses actions, so I would like my account reopened with the same credit limit. There is no reason for this due to the whole issue being fraud and Discover failed to provide me with information regarding my account and providing terrible customer service. Also, I was nagged repeatedly to pay a minimum payment of {$35.00} on the account or else my card would be charged off and the agent promised me my account would remain open if I paid this payment and I would be refunded once the investigation was complete. The investigation is now complete and I am not liable for any charges, but my account is closed and I was never refunded the {$35.00}. I dont want to have my credit affected for something that was not my fault and I truly enjoyed being a Discover customer and I loved my card.
Product: Credit reporting or other personal consumer reports

I disputed the reporting of student loans from the Department of Education on my report because they were reported without my permission, knowledge or ability to opt of reporting. They still remain on my report stating they were verified.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year>
Product: Credit card or prepaid card

On XX/XX/XXXX, US Bank responded to my previous complaint ( filed on XX/XX/XXXX ) with numerous false statements and still charged me interest fee ( pages 1 and 4 of attached enclosure ), even though they reversed my late fee. The discrepancies are as follows : -The letter stated that on XX/XX/XXXX, I spoke with a female representative in XXXX XXXX who was professional and reversed the late fee at my request. However, this is a false statement, as a spoke with a male representative named XXXX, who was rude and hung up on me before I could be transferred to a supervisor, who was a female. 
-The late fee was reversed when I contacted the US Bank XXXX XXXX XXXX via XXXX on XX/XX/XXXX and got a call from a representative named XXXX . He reversed the charges on my account. Why would I have contacted the Social Media Team on XX/XX/XXXX and filed a complaint with the CFPB if the person I spoke to on XX/XX/XXXX actually reversed the charges, as I requested? Why would XXXX have called me on XX/XX/XXXX to follow up and tell me that the charges were reversed if they had been reversed prior to our fist conversation? 
-The letter stated that I had not logged into the online banking platform since the statement period closed ( on XX/XX/XXXX ) ( page 5 of attached statement ) .The attached screenshot proves that I did indeed, log in on XX/XX/XXXX to make my payment, as I alleged in my original complaint. The history screenshot also displays the same sites that I logged into to make my payment on XX/XX/XXXX. Therefore, evidencing that this statement in the letter by US Bank is completely false. 

US Bank clearly did not research my complaint adequately and provided further false information in their never ending unfair and deceptive business practices.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States XXXX ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/2023 as listed on my most recently reviewed consumer credit report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : see attached I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given XXXX permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. 

The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 

Without Prejudice, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this credit card account ending in XXXX for several months. 
OnXX/XX/2023 I spoke with Bank of Americas fraud team and claims team. This called was monitored and recorded. I let the agent know that this account was indeed fraud didn't belong to me. A few days letter I received a letter from Bank of America stating that they have completed the review and my dispute was resolved and no additional action was needed and the account would be deleted from my credit reports within 30 days. 30 days has passed and the account is still reporting. Today XXXX XXXX I called and was told they never sent a letter in XXXX and the dispute was denied in XX/XX/2022, this call was also monitored.
Product: Debt collection

Earlier this morning I received the phone call notifying me that I owe them from a debt that they bought from a personal loan company. I notified then that I do not have the money to pay and have no means to do so, I told them to put me on the Do Not Call List and they notified me that they would still contact me and hung up in my face.
Product: Credit reporting or other personal consumer reports

I has come to my attention, that XXXX XXXX XXXX has transfer an account to XXXX XXXX XXXX. Immediately after I have put them on notice of Identity Theft. See FTC report XXXX XXXXXXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct XXXX XXXXXXXX, balance {$170.00}. Without first verifying the information they have on file. How can I verify information that doesn't belong to me?

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Product: Debt collection

On XX/XX/ 2018 I sent RASH & CURTIS a cease and desist letter.

RASH & CURTIS is still reporting COLLECTION ACTIVITY on this account and have not responded at all to my letters. Please see credit reports listing collection activity
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ] ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately.XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Money transfer, virtual currency, or money service

I sent money to my niece thru Paypal choosing the Friends and Family transfer option. The money was sent directly from my checking account. The transaction was made on XX/XX/XXXX for the amount of {$400.00} and a transaction fee of {$2.00}. Transaction ID # XXXX, sent from XXXX XXXX ( XXXX ) to XXXX XXXX ( XXXX ). The receipt indicated that the person is going to receive the money on XX/XX/XXXX.  My niece needed this money for an out of country trip. I called Paypal the same day asking them when was she going to receive it. They told me within 1 to 2 business days. My niece has still not received the money, it shows pending on her account. I called Paypal on XX/XX/XXXX, and they told me that my niece has to call them. I've also exchange about 8 messages or so with them and no resolution yet. They told me that they have to verify her account. However, her account is verified as she's been using Paypal before, and it does not take this long for an account to be verified. My niece has also contacted them thru emailed messages, and has been ignored and received automated responses. After so many tries, she's received an email saying that she has to wait 21 days for the money to be released, and that the transfer was made thru the Goods and Services option. 
I'm the one who made the transfer, and it was made thru Friends and Family option. I need to know where my money is. I did not agree for Paypal to make the delivery after 21 days. On their website it says that the money gets transferred instantly or within 1 to 2 business days. On my receipt is printed that she is going to get the money the next day. 
I have copies of the emails i exchanged if you need that information. 

Thank you
Product: Checking or savings account

I recently was a victim of thief. A family member stole my info plus wallet and used my debit card to make purchases. while I was XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I contacted my bank and they told me they wasn't able to go back on the claim any further than 60 days, but the transactions go back beyond that. furthermore they haven't gotten back with me to let me know the status of my claim. I'm worried I lost everything I had in my account without reimbursement. I submitted paperwork pertaining to my XXXX. please help.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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: Credit reporting, credit repair services, or other personal consumer reports

Please see the attachment, concerning my recent correspondence with Equifax. Equifax has violated my rights pursuant to FCRA 605B ( 15 U.S.C. & 1981 c-2 ) by not blocking and/or removing fraudulent accounts and inquiries within 4 Business Days of receipt. On XX/XX/2019, I mailed Equifax a certified mail, return receipt request letter, with the police report attached, stating that I am a victim of identity theft and to block the information that is the result of identity theft. They received the information on XX/XX/2019 and instead of blocking the information, they imitated a dispute. They sent information to my email on XX/XX/2019, stating that they want me to receive the results through via email. I never  authorized them to contact me through my email ; in fact, I mailed them all of the information that they needed. On the results they mail me dated XX/XX/2019, they stated that they will not block the information on my credit file and will contact the creditors on my behalf.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT is sharing my nonpublic personal information with non-affiliated third parties XXXX, XXXX XXXX XXXX. MIDLAND CREDIT MANAGEMENT does not have my consent to have and share my private personal information. As well, the information that they are reporting is inaccurate and false. Midland Credit Managment is reporting that I owe them a debt, I have never done business with Midland Credit Management. I have never signed a contract to do business with Midland Credit Managment. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.