23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXXXXXX XXXX and their Servicer, Heartland ECSI. 

My Principal payments and Interest payments have been changing every few months without me being notified. This resulted in late fees and damage to my credit scores. 

I have called them and asked them why the price changes, which they claim is variable interest rates changing every 3 monthd. But my principal amount owed each month also changes seemingly randomly which makes no sense. In addition, my interest owed each month is also inconsistent almost as if it changes every single month. 

I also asked them why I do not received emailed billing statements even though i signed up for it on their system, and they would not answer. 

They also would not explain why my payment owed changes every single month. I had the account on auto pay, but the amount changing every single month without notice caused the account to fall behind and they charged me late fees. I am at a point where I'm scared of this account and have to check it every single day to make sure I don't owe some random amount. 

On XX/XX/XXXX I had to pay {$910.00} because of this issue. When I called them, they said it was not their problem and they could do nothing and did not give any explanations It happened again On XX/XX/XXXX I had to pay a total of {$860.00} because of this issue. Then on XX/XX/XXXX another charge of {$40.00} was owed for seemingly no reason Then on XX/XX/XXXX, another {$44.00} was owed without explanation. 

I've reviewed the charges on the account and the principal amount owed each month is never the same and the interest raises randomly without notice. 

Their customer support would only tell me variable interest rates and not explain how my payments went from {$130.00} to {$510.00} in 6 months with only a 1.7 % interest rate hike during this time. 

They are gouging money from me and pushing me towards the brink of bankruptcy without remorse or explanation. And then they change the amount without sending me statements and charge me late fees. My payments went from {$130.00} to {$510.00} in 6 months without any warning or notification between changes and I have been charged fees for every single late payment because if these random and unannounced changes. 

I was even told I still owed {$800.00} when my account only showed {$59.00} owed and they would not explain this. I never receive billing statements at my email like I signed up for and I can only access the statements after the fact, at which point they are of no help.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, XXXX, and XXXX, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit cards opened with XXXXXXXX XXXX XXXX XXXXXXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened with XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, A utility account with XXXX opened XXXX XX/XX/XXXX under the account number XXXX, and a collections account with XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I received a letter from XXXX XXXX stating that XXXX XXXX XXXX Nevada had acquired a debt of mine from XXXX XXXX XXXX XXXX when I inquired about it and ask for a validation of the debt they purchased which i am entitled to under the FDCPA I got nothing instead they reported it to Equifax and the others which caused my credit score to drop XXXX points and in turn caused me to be denied credit at a retailer I was trying to get credit with. The actions of XXXX XXXX  was RETALIATION which, in Texas is illegal. As you will see in the attachments I'm providing this should have never been reported until I received the validation letter which again, I never received
Product: Credit card or prepaid card

Went to pay my bill XX/XX/2020 on the app approx 17 days early. The app said I needed to log into the website. I log into the website, and it states my account is closed. Had no clue why. I called synchrony in regards to my XXXX XXXX card. The guy that answered sounded like he was on a cell phone. I could not understand him. Called back again, gave my info and asked why my account was closed, he states he needs to transfer me to an account specialist. He didnt and transferred me right back to the beginning to start all over. I call back again, ask the person why is my account closed, I paid my bills every month, never been late for over 9 years. He said well I dont know how to put this, but your credit profile and that Im getting a letter in the mail. My credit score dropped a bunch of points because of them closing my account when I have 100 % payments on the account and my credit report. I didnt not ask for covid assistance or anything so to just close my account because its risky is not right and to damage peoples credit.
Product: Credit reporting or other personal consumer reports

Per code USC 1681c-2 A consumer reporting agency shall block the reporting of any information in the file on a consumer that the consumer identifies as information that resulted in an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

Per accounts should not be furnished on my consumer report as they are a VIOLATION!!!! PER, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the existing circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

15 USC 1681- XXXX XXXX Account number XXXX. A Charge-off is considered income ( according to the IRS ) Income is forbidden to be on a credit report per 15 USC 1581 2Ai - no transactions or experience are allowed to be on a credit consumer report. 

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report Account Name : XXXX XXXX  Account Number : XXXX Consumer reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature. They have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.
Product: Checking or savings account

On XXXX the XXXX i applied for a personal loan for the amount of {$400.00} from a loan company named XXXX XXXX XXXX. At the same day, later on the evening, XXXX 's department of Bank of America called me and said that this is a fraud loan company and that they will return the money to the loan company and they will close my account. Since that day, i dont have access to my account because they close it and now i have the loan company keep calling me requesting the payments for the loan. I m trying to contact BoA but they keep transferring me to another department. I want to find out why after 3 weeks they havent send the money back to the company so they can close my loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

experian credit score is 60-85 points lower than XXXX and XXXX. How is this even possible? When i called them to discuss my concern they stated that i needed to file a claim. How can i possibly file a claim against them? they reporting that my credit score is 670 approximately when the other two credit bureaus is displaying approx 750. 

I need a logical explanation to how such a difference is even legal or possible. I have matched all three bureaus i dont see a significant difference in they way they are reporting.
Product: Credit reporting

XXXX XXXX performed an-unauthorized inquiry on my credit. The inquiry was performed as prescreening and does not impact my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED AND I AM DEMANDING THAT THIS ACCOUNT LISTED BELOW BE REMOVED FROM MY CREDIT REPORT. THIS COMPANY IS REPORTING AN ACCOUNT ASSOCIATED WITH AN ADDRESS I HAVE NO AFFILIATION TO TIED TO THIS DEBT. THE ADDRESS IS NON VERIABLE. I KNOW MY RIGHTS AND I AM DEMANDING THIS BE REMOVED AND MY EXPERIAN CREDIT REPORT IS UPDATED. 

XXXX XXXX XXXX ACCT # XXXX ...... 
DATE OPENED XX/XX/2015 experian has violated my rights under the fair credit reporting act in the two ways below. 

This Agency has and continues to report these inaccurate debts. 
Creditors give reporting agencies inaccurate financial information about you.
Product: Credit card

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. Discover Bank : # XXXX,
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

i looked at my credit report and saw multiple errors or information that did not belong to me i reached out to the company multiple times saying that bis a violation of the fcra to have unauthorized and innacurate information on a consumer report i would like for all the information to be removed immediately addresses and phone numbers
Product: Checking or savings account

I received a targeted email offer from Chase Bank on XX/XX/XXXX. The email advertised that if I open a checking and savings account with them at the same time and completed a direct deposit I would receive {$300.00}, I would receive {$200.00} for depositing $ XXXX in savings account and holding it for 90 days and an additional {$400.00} for opening both at same time and completing required activities. I opened both accounts on XX/XX/year>, and set up direct deposit and deposited $ XXXX in the savings account. It has now been a couple of weeks since my first direct deposit went into the checking and noticed that I have not yet received the {$300.00} bonus. I inquired with chase, and they claim that I never enrolled using the promotion and I am ineligible for the offer. I provided them with the screenshots of my targeted email promotion, the coupon code I used and everything they asked for and told me that I am now ineligible for the offer because I did not reach out to them within 21 days of account opening. Although I applied through the email link. I researched this issue online and it seems that this is happening to many other customers.
Product: Credit reporting or other personal consumer reports

My account with 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 in 60 days 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. 
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 reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Consumer Reporting Agency Experian, XXXX, & XXXX Subject : Formal Dispute Regarding Unauthorized Credit Reporting To Whom It May Concern, I am writing to formally dispute an item ( s ) on my credit report. Report number XXXX that I believe has been included in violation of 15 U.S.C. 1681b ( 2 ) of the Fair Credit Reporting Act ( FCRA ). Specifically, I have not given written consent for the reporting of this information on my credit report, as required by law.
Product: Credit reporting or other personal consumer reports

After multiple submissions of identity theft reports to both your bureau and other regulatory entities, I am disheartened to find fraudulent accounts still listed on my credit report. Despite my detailed communications, these entries persist, further exacerbating the harm caused by this theft. 

The following accounts are not legitimate and have been reported as fraudulent : XXXX XXXX  ( original creditor : XXXX XXXX  ), XXXX XXXX XXXX XXXX  XXXX, XXXX, and XXXX. 

Their continued presence undermines my efforts to restore financial stability. This issue has been repeatedly brought to attention, yet the resolution remains inadequate. I trust your bureau will take immediate action to address this matter effectively
Product: Mortgage

Hello! 
Please I need support for the below issue : My name is XXXX XXXX I bought a house on XX/XX/XXXX, ( closing date ) now Freedom Mortgage send me bill to let me know, that I need to pay the taxes for the entire year of XX/XX/XXXX {$3700.00}, on XX/XX/XXXX I contacted my closing attorney by e-mail ( XXXX ) XXXX and XXXX XXXX, the builder XXXX XXXX builder ( XXXX ) and the attorney office said that they make a mistake on the closing tax calculation, that they contact the builder and he agree to pay portion of the due. Im 2 month behind in my mortgage for a financial issue and now they going to Increase my mortgage because the mistake that the attorney did, Im affray that I can loose my house. I have this house at the end of XX/XX/XXXX ( not the entire year ). What can I do? I do not want to loose my house, will be too much for me the new monthly payment. XX/XX/XXXX I went to the XXXX county tax commissioner and they told me its nothing they can do, I dont know who can help me with this matter. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXX XXXX Please check the e-mail answer for all of the people involved in this issue : On XX/XX/XXXX XXXX XXXX EST, XXXX XXXX <XXXX> wrote : > >XXXX, > >The property tax bill and with that the invoice from Freedom Mortgage >is correct. The closing attorney didn't collect enough money at >closing. 
> >The attorney paid Property Tax bill using Un-Improved amount ( before >the house was built ). 
> >The Estimated Property Taxes were Estimated to be {$2700.00} a year- the >attorney collected {$300.00} from XX/XX/XXXX to XX/XX/XXXX. This is reason your >escrow is short. In the meantime the attorney has contacted the seller. 
>The seller agreed to send you a check for the amount he should have >paid. You will receive a check in the mail, but not for the whole >amount just for the portion that was originally owed by the seller. 
> >This is what the attorney said : > >XXXX, > >The Seller has requested a check from their accounting department in >the amount of {$1200.00} ( the difference between the {$300.00} tax credit >XXXX received at closing and the credit he should have received > {$1500.00} ). The check will be made payable to XXXX and he should >receive the check within 10 days or so. 
>
Product: Checking or savings account

Yes money was sented to my account and I couldnt use it send it and the next day my account got closed smh this is horrible cant contact no one its horrible
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

Hi, I recently made a deposit before the overdraft deadline but noticed an overdraft fee was applied. Could you please review the transaction and waive the fee as a one-time courtesy? I would appreciate your help in resolving this.
Product: Debt collection

I am in receipt of XX/XX/2021 letter from a robo-signer XXXX XXXX XXXX , Research Department ( ? ) who informed me that XXXX of XXXX ( XXXX ) Letters of Acknowledgements I received last week was sent to me in error. 

Seems like PennyMac try to negate the acknowledgment letter. It does not specify the date of the letter being negated. And of course it leaves open all the other acknowledgment letters, which are subject to considerable doubt. The signature is electronically affixed, which does leave open the question of whether or not the signatory knows anything about the letter. 

Can you identify which particular letter was sent in error? On which date? By whom and from which location it was sent, with full name, position with the Company, office address and phone number? 

Can you identify employees who prepared and sent me these letters of acknowledgements, along with their business address, phone number and email? 

This is also a demand for written verification of XXXX XXXX XXXX XXXX XXXX XXXX signature on this letter, under XXXX XXXX XXXX XXXX ( XXXX ) XXXX and a letter of Authorization from XXXX if XXXX typed signature was attached by someone else. 

Please identify the name and position of PennyMac 's ( or other company ) employee whom XXXX XXXX authorized to use his signature on this letter. 

If this letter was prepared by outside vendors, identify the name and business address for this Vendor and the Fintech system they used to prepare this letter. 

XXXX requires the authentication of electronic signatures, and defines an electronic signature as an electronic sound, symbol or process attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record when a dispute arises regarding whether a signor 's electronic signature is authentic, I demand XXXX XXXX XXXX XXXX XXXX XXXX me a XXXX signed XXXX, with his direct contact information and email, along with verification that he personally prepared and mailed me this letter on XX/XX/2021 Regards XXXX XXXX