23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have lived at my home for XXXX months. I have repeatedly requested that they complete an escrow analysis in order for my payment be calculated correctly. I sent tax bills to the company and they still have not done so. I sent the tax bill on XX/XX/2021 and they in turn paid my taxes and my neighbor 's taxes out of my escrow account. I went to the tax office and inquired as to why. I was told it was an error on the part of the mortgage company. I have contacted the mortgage company AND provided the required information to them to correct the error and my escrow account still has not been credited and I am unable to get a date from them as to when this will be corrected. As a result, my escrow account is negative over {$3900.00}.
Product: Credit reporting or other personal consumer reports

I submitted a second dispute with the CFPB on XX/XX/2023 and the investigation was returned back with the same information on the credit file. It is very clear that no investigation was completed and they are willfully disregarding the law. I have attached the information for further review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 section 602 A States I have a 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 90 plus days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

XX/XX/XXXX i was behind on my rent for my apartment so apartment filed in court for eviction, before eviction process i paid apartment in the amount of {$1500.00} in money orders that were dropped off at office of the complex, then apartment got writ of possession for the apartment, i disputed the public records reporting that was on my credit report by stating that i paid the amount owed and to my advantage it was removed, well about 6 months later the same file showed back up on my credit report but under a different company and higher amount of {$4200.00} it also shows on my credit report 2 times which makes my credit score go down because now it looks like i owe {$8500.00} in debt 1 account shows open in XX/XX/XXXX and the other in XX/XX/XXXXi tried  calling the creditior and told him i nhad paid the debt of {$1500.00} directly to the apartment management company and he went on to tell me it doesnt matter because i broke the lease i told him i did not the managment company received a writ of possession for the unit, then rep was very rude and threaten to continue to ruin my credit until i pay the amount, i stated that i would hire a attorney because i didnt owe this amount plus the apartment complex had already removed the debt from my credit so how can you now report a higher amount originally oewd which i paid, i looked up yje company online and saw that many other consumers were having the same issues with this same creditor, i want to know what are my rights to fix this issue because now not only is he showing i owe {$4200.00} but now i owe double looking for help, this has cause me not to be able to get a place to live in my name until i resolve this matter.
Product: Checking or savings account

On XX/XX/22 I was a victim of fraud. As an elder woman, I was conned out of providing my information to someone who claimed to work for XXXX. Soon after I provided them with requested information they Zelled money out of my Capital One 360 savings account for the amount of {$500.00} and out of my XXXX checking account for the amount of {$500.00}. I immediately called XXXX XXXX  and soon after Capital One to inform of this fraud. As of today, XX/XX/22 my Capital one 360 savings account is still frozen and I can not access my money despite being sent a letter received today that they can not reimburse me for the fraudulent zelle payment for the same reason. When I asked why my account is still frozen, they say it is still under investigation. I am a victim of fraud. I did not authorize these XXXX payments. I am an elder of age XXXX XXXX XXXX and the victim of elder abuse having this money fraudulently zelled from my account. Both XXXX XXXX  and Capital One are promoting this act of elder abuse enacted by the scammer on XX/XX/22 by refusing to reimburse my money. This is fraud!
Product: Credit reporting or other personal consumer reports

The late payments in questions are associated with the following account Gold Star Finance XXXX XXXX Remove charge off -Remarks -Acc XXXX- No late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Closed XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX Dates open XXXX XX/XX/2023. 

Inquiry Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account status : Open ccount name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX
Product: Debt collection

Upon reviewing my credit report I noticed that my credit had dropped over XXXX points recently. There are several duplicate collections accounts on my report that do not belong to me. They are my wife 's medical bills, not my own. I did not consent to any of the care that she received in the hospital, that was her choice alone. 

Attached you will find photo copies of my credit report and my wife 's. The first photo with the circled collections is mine, the other photos are screenshots of my wife 's credit as listed online through the portal. She has consented to me sharing these photos and I will list her contact information along with mine so that you may reach out to certify consent if necessary. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was contacted by the company Navient in between the hours of XXXX and XXXX yesterday. I was speaking to a young woman at first and our conversations have gone the same way since XX/XX/XXXX : that I can not pay a full settlement. My issue with not being able to pay is not the focus of this complaint, as I asked this young woman to please call me back at XXXX as I was driving in heavy traffic and I was not in a position to discuss my income or my situation. While at a very busy intersection this young woman was interrupted by a man named XXXX XXXX. He stated it was policy to monitor the calls as he stepped in to 'take over the call '. At that point I felt as if I were being three way called by an XXXX grade bully with enough lack of rhetoric that his title as 'supervisor ' is questionable. I was bombarded immediately with every time I had supposedly dodged this company. This man did not pause in his speech waiting for anything I had to say. He spoke AT me. Not to me. This caused me to pull my car over and nearly have a nervous breakdown while I entered into a yelling match with this man. I do not normally speak to creditors this way but his approach is what caused it. I asked his name. I even asked how old he was, to which he asked me 'What does that have anything to do with this? ' I asked this because I did not feel as if I was speaking to a supervisor of a company that handles more than XXXX in student loans, I felt as if I was being attacked by an XXXX thrown into the role of assistant manager at a nearby XXXX XXXX XXXX store. This company calls my father daily and I fear every day that he is going to have a XXXX XXXX from their calls. If supervisors of this company speak to people this way and attempt to collect in this manner this needs to be regulated.
Product: Credit reporting or other personal consumer reports

Recently Checking my credit report i noticed that i have been a victim of identity theft and fraoud numerous credit inquiries i have no knowledge of here are the inquiries that i have found. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pLEASE DISPUTE AND REMOVE LISTED FRADULENT INQUIRIRES
Product: Debt collection

Phoenix Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Student loan

Good Morning - On XXXX XXXX XXXX I spoke with staff at FedLoan Servicing regarding my student loan payment recalculation under an IBR schedule. I was advised by staff at FedLoan Servicing to submit new paperwork to have my payments lowered, only to have my bill increase {$80.00} - I was misled. <P/>After speaking with numerous staff and a supervisor I was informed on how FedLoan Servicing calculates monthly payments. It involved utilizing annual income and a state poverty line adjustment which I am sure your office is familiar with. My grievance with this calculation is based on the fact that FedLoan Servicing shows consumers that they calculate loan payments as 15 % of an applicants 'discretionary income '. <P/>I work as a XXXX XXXX and was very puzzled on my phone call with FedLoan servicing because from what they explained to me they are in fact not utilizing discretionary income at all. They are utilizing an in-house model that ignores discretionary income. <P/>My application stated that my monthly net pay ( after taxes and other essential deductibles ) was {$1500.00}. My monthly student loan bill came back at {$450.00} - nearly 29 % of my net pay. <P/>Why is FedLoan Servicing allowed to advertise Income Based Repyament plans as utilizing a percentage ( 10, 15 or 20 ) of discretionary income when in fact they are not doing this at all? They are utilizing another formula that tracks payments unexpectedly higher for the majority of applicants. <P/>In fact, if one were to educate themselves on definitions of 'Discretionary Income ' it becomes blatantly clear very quickly that this in fact not what FedLoan Servicing is utilizing at all. They do not ask any questions regarding rent payments, other necessities, and apparently ignore net take home pay entirely! <P/>Please, help bring FedLoan Servicing in line and stand by what they tell borrowers!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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.
Product: Debt or credit management

I wanted to fix my credit for the purchase of a new home I paid the intial fee of XXXX and started a savings account for them to allocate funds to my debts that they would try and settle for me after 4 months no change in credit but for some strange reason I started getting more threating calls from debt collection agencies and after while they continue to send me in circles when it came to cancelling their services.
Product: Debt collection

This company debited my card XXXX for a debt I did not owe. They continuously harassed me and my sister. They threatened to send the sheriff to my job. They discussed the debt with someone who was not me.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Procollect inc XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Procollect inc. 
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent A certified mail with a FTC report to XXXX, Equifax and XXXX. My XXXX had repo flagged because of XXXX XXXX have flagged the account for a repo that was closed on XX/XX/XXXX when I went on Equifax XXXX XXXX is still reporting to Equifax with payments which that is false documentation when I called XXXX XXXX is still getting a report from XXXX saying that the account is still open on one of my other XXXX XXXX saying that it is closed the account is closed for a repossession and I asked Equifax and XXXX to remove it because I have documentation from the FTC report that account is no longer open. Which is a Violation to my consumer law.
Product: Debt collection

This debt was report to XXXX. Never received written notification of this debt. Amount due is incorrect. Contacted the company to validate and requested documentation. Was immediately threatened with a lawsuit and wage garnishment.
Product: Mortgage

Sometime around XX/XX/XXXX, we applied to re-finance our Bank of America home loan. After being told on the phone that we were approved, and even offered congratulations, and after filling out the extensive paperwork, we were denied the refinance because of my wife 's bankruptcy in XX/XX/XXXX. Bank of America told us that we would have to get this bankruptcy " re-affirmed ''. I was able to contact the bankruptcy lawyer we used nearly ten years ago and he told me that " re-affirmation '' was impossible. He said it would have been impossible at the time ( the bankruptcy judge would have thrown it out ) and it remains impossible today. After I told officials at Bank of America this information, they put me in a video conference with XXXX of their agents in XXXX, TX who insisted that it is possible. The bottom line is that we were denied mortgage refinance because of a ten-year-old bankruptcy, the terms of which can not be changed. We believe, based on our current credit and our perfect record of mortgage payment since we bought our home ( XX/XX/XXXX ), that we were unfairly denied mortgage refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with 1ST FRANKLIN, XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, 1ST FRANKLIN, XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called and asked why they keep calling me. I make my payments on time. They saidmy number was connected to another acct. the lady said she would fix it my acct was fine. 1 hour later I get another call. I try to call them back to question them and now my calls dont go through
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts listed my automotive credit continue to be listed as negative marks for XXXX XXXX and XXXX on account # account # s XXXX, XXXX and XXXX. In fact the XXXX mark is listed as 60 days late. For that to be 60 days late it means XXXX wasnt paid till XX/XX/22. Beings they posted the 60 days late on XX/XX/22 truly backs up the claim that all posted marks have been done wrong and not reflected correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I sent Transunion a dispute XX/XX/XXXX, they received it XX/XX/XXXX, today is the XXXX of XXXX of XXXX. I submitted a complaint earlier today, but I left off a page so I'm redoing it.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX has violated my rights XXXX Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Debt collection

I have a collection reporting on my credit that I do not owe. And collection is reporting as an open account on my credit report. This is a fcra violation. Please delete this off my credit report
Product: Credit card or prepaid card

Thank you for taking the time to read this. 

Background : It is common knowledge that XXXX has now grown to be " too big to fail, '' and the company wields its powers however it wants. Recently and for the first time in my over 20 years of patronage, the company has allowed drivers and workers to steal or " misdeliver '' my packages. This has been going on for about 2 months now, to a tune of about {$2000.00} and counting. Packages are frequently being " delivered '' to an address that either doesn't exist or is being used as some sort of drop off for a theft ring. Sometimes the driver will post a picture of a home that looks nothing like mine and does not exist in my neighborhood. I have spent considerable time writing complaints, starting investigations with XXXX and my credit card company, Chase. Both entities know what is going on. Now, Chase has begun to put me on hold for more than an hour, hang up, and force to me to have to give long accounts of what has transpired with XXXX, despite my previous detailed records having already been submitted. XXXX continues to charge me for products I never received, and I have to explain to them the need for an investigation. Then, I have to explain over and over to Chase what is going on. Chase has an internal mechanism that connects charges to the user 's account in XXXX. They claim that they can not " see '' this information. Furthermore, I am concerned about my own safety as clearly my information is being shared -- my home address is going out to " contract '' drivers whom, according to news sources, are not beholden to the same privacy policies that XXXX drivers are, if they ever were. In short, as I and everyone else continues to track the mass greed and malfeasance of these companies, I am hoping the government will actually put my tax dollars to work. I can not even go to other retailers as XXXX has effectively put everyone out of buisiness in small towns. This is a scourge -- the rise of the Corporation now considered a " person. '' No accountability. Thousands of dollars and hours of time lost. For what? So that I can write these complaints knowing that at least some elderly or disabled person may benefit from my speaking out. I have filed complaints with the CA XXXX XXXX as well. And I am joining groups who are sick and tired of being sick and tired. XXXX is a parasite, eating its own. Chase was there long before. I hope you will help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to dispute and bogus collection account that has popped up on my Transunion credit report. The account name is XXXX which I have no knowledge of this account, no affiliation, did not give my authorization to use my personal information, and the only conclusion is this may be from and workers comp case from last year. If so I am not liable for this account or payment they need contact employer and worker comp insurance. I have tried repeatedly to dispute account online like told by phone reps but every time you try to dispute account and click continue button to send dispute online it is deactivated for adverse accounts. I have noticed that if I select a good account and click button it will continue but if you select an adverse account it will not let you continue process. I 'm sure this is one of these tactics to keeps consumers from disputing inaccurate information.