23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan servicing was changed to Specialized Loan Servicing. Since they have taken over I have had nothing but trouble. To start they claimed that the company they bought my loan from hadn't made my payment, so they were starting foreclosure proceedings. 
After we got that cleared up, I set up auto pay. They told me it was set up correctly, however, they didn't take the payments out and once again began foreclosure proceedings. 
Finally, they have now added an additional escrow amount that is higher than my mortgage payment, but they can't tell me where that payment went to. I checked with the tax office and my insurance company, they both said there was no {$1200.00} increase. When I confronted their representative, she first said it was going to taxes, then insurance, then it was a check coming back to me, then she said she wasn't sure where that money went. I asked to speak to her supervisor and she denied me that option. She stated she had no supervisor, that there was no one higher up the ladder than her. When I asked if she was the ceo of the company she said she did not have that information. and refused to help me further. Her Name was XXXX and her ID number was XXXX. When I told her I wasn't comfortable paying an additional {$1200.00} for something they couldn't explain she stated they would start foreclosure proceedings if i didn't pay it. I could dispute it, but I would have to write a qualified letter to do so. She wouldn't clarify what a qualified letter is.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and fraudulent accounts have been reported under my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request the immediate blocking and deletion of the accounts listed below from my credit file.

Fraudulent Accounts : 1. Creditor Name : XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$570.00} 2. Creditor Name : XXXX XXXXXXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$8600.00} 3. Creditor Name : XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} 4. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2300.00} 5. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} 6. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$500.00} 7. Creditor Name : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} 8. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} 9. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$570.00} 10. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1900.00} 11. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$840.00} 12. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$840.00} 13. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE FRAUDULENT ACCOUNTS FAIR COLLECTIONS AND OUT XXXX -- -> : {$3100.00} XXXX XXXX GROUP XXXX -- -> : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint regarding XXXX that has repeatedly violated my consumer rights as a consumer. Despite my many attempts to rectify the situation, this agency has continued to include items on my consumer report without obtaining my consent, which has led to the defamation of my character.

Furthermore, this agency has failed to provide me with any verifiable contract or evidence to support the inclusion of these items on my consumer report, as outlined in 16 USC 6802, 6803, 6804, and 6805.

In addition to this, this agency has engaged in inaccurate reporting, which violates USC 1681d and USC 1681n. They have also violated 16 CFR 313 by showing charges off on my consumer report, which is technically ordinary income by the IRS. This a clear violation of my right as a consumer.

Furthermore, this agency has shown a certificate of indebtedness on my report, which violates the Privacy Act of 1974. They have also violated my rights by showing transaction history on my report without obtaining my consent.

As a result, I am now being forced to take legal action against this agency for violating my consumer rights as a consumer. I am deeply concerned about the impact that this agency 's actions have had on my reputation and financial standing. I urge you to investigate this matter thoroughly and take appropriate action to ensure that this agency is held accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.

I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX in XX/XX/2020 as a result of the COVID-19 pandemic. I was granted an extension for the installment dates of XXXX, XXXX, XX/XX/2020 after answering qualifying questions for the COVID-19 payment assistance program. At the time the extension was granted disclosures were read by the XXXX representative explaining the account would not accrue any additional interest as a result of the deferment, and I verbally agreed to this change. As a result of his verbiage on my bureau, on XX/XX/2020 I received notification from another creditor XXXX XXXX XXXX that due to a drop in my credit score my line of credit has been reduced from {$6000.00} to {$4500.00}. After escalating my concern to the Director of Credit at XXXX, I now understand my credit line was dropped due to this indicator, not due to a reduction in my credit score. Additionally the utilization rate on this card now reflects higher, resulting in a decrease to my credit score. XXXX XXXX XXXX granted this extension and disclosed everything except the fact that these remarks would reflect on my credit report. They did not disclose tome that this would reflect as a risk indicator on my credit report to other creditors that I was experiencing a financial hardship. My loan is currently paid up to date. The XXXX XXXXinstallment was paid prior to the due date. I am currently not in a hardship. XXXX did not explain or disclose to me that there would be potential adverse activity to my credit as a result of granting this extension. It was supposed to allow me time to defer my loan payments without penalty. I have been penalized by utilizing this remedy offered by XXXX that was supposed to prevent a negative report on my credit for these months. XXXX did not give me the opportunity to decide if I wanted to accept the deferment provided this would cause adverse activity to my credit. I would have resumed payments without a 90 day deferment provided XXXX given me full disclosure how this would effect my credit report. This is not a fair or accurate record of my credit with XXXX XXXX XXXX and is a violation of the FCRA. I have reached out to XXXX XXXX XXXX and called the Credit Dispute Processing Department XXXX and my request to adjust the verbiage on my bureau was denied by the representative I spoke to. He refused to give me the name of a party to escalate my concern to and advised I needed to speak to XXXX XXXX XXXX.
Product: Debt collection

I have been billed with several XXXXXXXX XXXX and medical bills that arent mine. These debts have been removed before but they keep buying them and adding them back to my credit report. They try to say that theyve been validated but refuse to send me any proof of validation. I have filed the proper police reports with my local police department.
Product: Credit reporting or other personal consumer reports

GAVE NOTICE ON XX/XX/2023 AFTER NO RESPONSE A FOLLOW UP LETTER WAS SENT XX/XX/2023 DEMANDING COMPANY TO CEASE AND DESIST FROM COMMUNICATING AND REPORTING OF INACCURATE, FALSE AND MISLEADING INFORMATION ABOUT ME AS IT RELATES TO LATE PAYMENTS ANDAMOUNT OWED OF ALLEGED DEBT AND INACCURATE REPORTING OF LATE PAYMENT ( S ) TO CREDIT REPORTING AGENCIES PURSUANT TO 15 U.S. CODE 1681b2. ALSO REQUESTED THAT SAID COMPANY VALIDATE ALLEGED DEBT. AS OF DATE COMPANY HAS REFUSED TO COMPLY WITH REQUEST / DEMAND
Product: Debt collection

COMENITY BANK have violated my consumer rights as a natural person Pursuant, but not limited to, the Fair Credit Reporting Act at [ 15 USC 1681 et seq. ] and the Fair Debt Collection Practices Act at [ 15 USC 1692 et seq. ], and the applicable portions of Truth in Lending ( Regulation -- - Z ), at 12 CFR part 226 et seq., Failure to provide consumer with the original instrument of indebtedness in its original form under penalty of perjury as required under Federal and State law is a violation. If COMENITY BANK continue to report unverifiable or inaccurate accounts on my Consumer file COMENITY BANK will be liable to unfair debt collection practices, False, decedptive and misleading representation pursuant to 15 USC 1692e. COMENITY BANK if fail to provide docuemnts requested by consumer will be held liable to criminal liability for willful and knowing reporting FRAUDULENT ACCOUNTS on a consumer file pursuant to 15 USC 1611 and civil liability for ANY injuries or damages as a result on COMENITY noncompliance.
Product: Checking or savings account

On XX/XX/24 at XXXX XXXX  EST, I received an email from SoFi Bank, which stated ; We take the safety and security of your account very seriously. In reviewing your SoFi Bank account, there appears to have been activity which indicates that the account may have been used in violation of the authorized activity guidelines described in your SoFi Bank Deposit Agreement. 
For your protection your account has been temporarily restricted. We sincerely apologize for the inconvenience, but during this time you will not be able to deposit or withdraw from the account, transfer funds, or make purchases with your debit card. 

As soon as I became aware of the email at XXXX XXXX  the following day, I made multiple calls to SoFis customer service and security team, who withheld any and all information regarding the sudden account restriction. I was told that any information regarding my finances, including even a simple timeframe of when I could expect to receive information on any reasoning or decision regarding whether or not my account would remain closed. 

I fill none of the criteria laid out in SoFis terms to of been affected by such an account closure. I have no overdrafts on either my checking or savings account, there have been no unauthorized or suspicious transactions or activity, no breaches of my personal SoFi account, no mobile check deposits, and my recurring direct deposit transactions are all managed by the NYS Comptrollers Office and XXXX, as I am a military servicemember XXXX  on XXXX XXXX XXXX.
Product: Mortgage

My XXXX husband who left our family to be with another woman, agreed to pay the mortgage, he in turn did not. All of while us feeling secured, I am blindsided with an XXXX notice. Moving forward, while trying to take care of my mother who suffers from XXXX  as well as my daughter who now suffers from XXXX XXXX, due to this disruption, while attending XXXX XXXX, I am trying to save our home.
Product: Credit reporting or other personal consumer reports

recently l locked at a copy of my credit report and noticed inaccuracies on my account this account is hutting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy here is the item l am asking you to verify as cocurate XXXX XXXX XXXX as shown on your report
Product: Mortgage

On Friday XX/XX/2024 I applied for a Home Equity Line of Credit with Bank of America, and within XXXX minuets of completing the application I was inundated with calls from mortgage companies calling to ask me about refinancing my mortgage or getting a HELOC, to the tune of as of XX/XX/2024 XXXX different lenders. I am deeply concerned because XXXX weeks prior I applied for a HELOC with XXXX XXXX and the only call I received was from my existing mortgage company. I want to know what on earth Bank of America did that would alter all of these companies to first of all have my cell number and secondly alert them that I was even interested in getting a HELOC. They can't tell me that these companies were alerted because of a credit pull because XXXX XXXX pulled my credit XXXX weeks prior and I did not receive any calls, yet they pull it, and my phone has not stopped ringing. Did they sell my information? The only reason I applied with BOA was because I thought the rate was going to be better than XXXXXXXX XXXX based on what I saw on the website, but it was higher, so I backed out of the loan request, trust me had I known this was going to happen I would've never applied with BOA. I am both angry and sadden that his has happened to me and I want answers as to why it has happened and if this is happening to others than BOA needs to be held accountable and if they are selling my information without my knowledge than shame on them!
Product: Credit reporting or other personal consumer reports

I ALLOWED A NEW OFFICE TO PREPARE MY TAX RETURN AND WAS ADVISED THAT MY INFORMATION WAS LOST DURING A RELOCATION. I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO AFFILATION WITH OR KNOWLEDGE OF. I ALSO SEEN THAT SOMEONE HAS BEEN ATTEMPTING TO ACCESS LINES OF CREDIT IN MY NAME WITH CREDITORS SUCH AS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I HAVE NOT AUTHORIZED THESE TRANSACTIONS I'VE CONTACTED THE CREDIT BUREAUS NOTIFYING THEM OF THESE ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERFIABLE.

FURNISHING INFORMATION WITHOUT MY WRITTEN CONSENT IS IN VIOLATION OF 15 USC 1681, ALSO FURNISHING ACCOUNTS RESULTING IN IDENTITY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2
Product: Credit card or prepaid card

I have been a credit card customer of Chase since XX/XX/XXXX. On XX/XX/XXXX, I received notification that my credit card interest rate was increasing from 10.24 % to 15.24 % on purchases. The reason for the increase was " because your APRs are below the lowest APR we currently offer on similar accounts. We also took into account your other Chase relationships when making this change. '' When I called Customer Service and asked what my options were they stated that if I did n't want to accept this change, I could reject the change and then my account would be closed, I would not be able to charge anything further and that I was responsible for paying back the outstanding balance. 

Chase had upgraded me to a Chase Sapphire card due to my excellent payment history and responsible use of the card. Please note, that back in XX/XX/XXXX or XX/XX/XXXX my rate was changed to a higher rate due to a late payment. I never again made a late payment from that point on. 

We had recently gone abroad for vacation and I called to ask for a line increase ( just in case we needed it while on vacation ) and no one mentioned that this rate increase was coming and they added more of an increase than I even requested ( I asked for a $ XXXX increase to my {$13000.00} line amount and instead they increased my line to $ XXXX ). So now, the outstanding balance is very high and I feel like they are taking advantage of my high balance to gain more interest. I signed an agreement and feel that I have lived up to my end of the bargain. Chase never stated to me that they could raise the interest rate because I did n't have other accounts with Chase or because MY rate and MY agreement was better than what Chase offers currently. They offered me no alternatives to keep the rate that I have. 

This can not be legal. This rate increase will pose a significant hardship to me on paying off this balance. Does customer loyalty, making payments on time and as agreed to not count for anything anymore? Why, in the past 10 years have I never experienced this kind of rate increase before? ( The only large rate increase prior to this was my fault due to a late payment )
Product: Credit reporting or other personal consumer reports

Ive tried disputing some old accounts that has been paid off. Apparently the dispute is still being reviewed. I am trying to get it off of my credit report. Ive tried disputing on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collector : XXXX XXXX  XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$380.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} This is a formal complaint against XXXX, Experian, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 


I have disputed these accounts several times because the date open is reporting inconsistently. The letters came back verified and the accounts are continuing to report errors after they claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes.
Product: Student loan

I received a letter from a debt collection agency on XX/XX/18 for 2 student loans, totaling > {$50000.00}. I was not informed by the lender by phone, mail or email that this was an issue that was being sent to collections. I was previously on a reduced payment plan of $ XXXX. After speaking with the lender directly today, I am told this repayment plan is only effective for 3 months and can be renewed for an additional 3 months, with a limit of 6 months total for the entire life of the loan. When attempting to set up this repayment plan, the lender representative informed by that I must also pay back the entire past due amount of {$2100.00} to make my account up to date. When I expressed that I was happy to make an alternative arrangement, and that this option is not financially feasible and does not give me enough time to get up to date before the expiration of the repayment plan in 3 months, I was told that there are NO other options. When I attempted to make a good faith payment to attempt to find time to write a letter to the lender to resolve the issue, I was referred to the website, as I was unable to make a debit card payment by phone. I had my checking account information saved on the site ; when attempting to make a web payment, there was an error. ( A representative told me that there are " issues '' currently with the payment system and I may not be able to successfully make my good faith payment today ). I explained that my excessive financial obligations far exceed my income, and the fact that they have sent me to collections now impedes my ability to make credit purchases or take additional loans for emergency situations. I have XXXX small children and am looking for additional employment and need to buy a reliable car in order to continue to work and make payments to my lenders ; this report to debt collection has now likely impeded my ability to do so, and thus it will be difficult for me to maintain my current job, as well as obtain additional employment, and take care of XXXX children as a single parent. Despite multiple attempts to make a resolution, this lender has told me there is nothing that can be done. Please help me to remedy this situation, I would like to set up a modified repayment plan with recurring automatic payments, but am told I have no options. Thank you for your time.
Product: Debt collection

I went to the hospital and provided my insurance information. However, by the looks of it, there are bills on my credit that I do not owe. I contacted the credit agency XXXX and requested proof that the information they had was incorrect. They stated the only thing they had was a itemization of services. I explained to them by law, they are required to provide me with something of me agreeing to the amount that was left because the hospital never advised me that I had a remaining balance on my credit report. They just continued to provide me with they are correct. I spoken to several agent with XXXX and it only gets worse with every agent.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unacceptable practices of several entities concerning multiple accounts on my credit report from XXXX, XXXX, and TransUnion. In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXP REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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.