23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA Experian has been falsely manipulating the statute of limitation which is an FCRA violation 1. This account has a discrepancy in the payment history section of the listing ; XXXX This charged-off account is reporting payment history each month when should it not since the account has been charged off 2. This account has a discrepancy in the payment history section of the listing ; XXXX XXXX How is Experian reporting on-time payment history then thirty days late in XX/XX/XXXX following XXXX XXXX 60 days late following XXXX XXXX 90 days late then in XXXX XXXX 60 days late then in XXXX 90 days late? Payments history must go in order of 30 days late 60 days late 90 days late 120 days late 3. This account has a discrepancy in the payment history section of the listing ; XXXX  How is Experian reporting on-time payments in XX/XX/XXXX and XXXX in XXXX  30 days late XXXX is reported 60 days late then XX/XX/XXXX is 90 days late then reported XX/XX/XXXX is 120 days late and in XX/XX/XXXX Another 120 days late.? Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days. 
4. This account has a discrepancy in the payment history section of the listing ; XXXX XXXX XXXX XXXX How is Experian reporting on-time payments until XXXX XXXX 30 days late XXXX is 30 days late XXXX is 60 days late XXXX is 90 days late XXXX is on-time XXXX is on-time XXXX is 30 days late and XXXX is 60 days late Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days.
Product: Checking or savings account

I opened up a US Bank account a couple of months ago. I was never informed that it would accrue monthly service fees and while I was using it, the account never accrued service fees. I then stopped using it and I believed that it would continue to remain at a zero balance and that was that. However, a couple of days ago, I found an envelope with a letter that stated the account had been charged off and that I owed US Bank {$44.00}. US Bank never sent me a letter warning me of a charge off until the charge-off has already taken place!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting collections that are a direct violation of the F.C.R.A. XXXX XXXX XXXX is reporting a collection on my credit report partial account numbers - XXXX XXXX. ( Please see pages 33 and 34 of the attached credit report. ) These private student loans were taken out in XX/XX/XXXX. I was unable to continue to make these payments. XXXX XXXX XXXX sued me and lost because the statute of limitations had ended. Attached are copies of the Judgment granted in my favor. Consequently, XXXX XXXX XXXX sold this debt off to a third party who is now reporting this as a collection. These accounts should never have appeared on my credit report. This incorrect reporting is harming my credit scores.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Mortgage

We opened up a claim against our mortgage company, Bayview Loan Servicing , LLC in XX/XX/2018. When our PMI was finally canceled, our loan-to-value ratio was at 67 %. We requested a refund from the time that our PMI should have been canceled, 78 %. We did receive a refund at the 75 % point. We were told that in NYS, automatic termination takes place at 75 %. We inquired and were told it is because we live in NY. However, after further research, their own paperwork, and the NYS website, it says that when Federal and State law come in conflict, that the clause more favorable to the homeowner would apply. Federal law states that PMI will be terminated at 78 %.
Product: Credit card

LVNV FUNDING LLC Last reported XX/XX/year> {$1800.00} Open balance XXXX XXXXXXXX XXXX XXXX XXXX Original creditor I never had that account, it was opened by someone else The credit bureau deleted this from from my records, but its appeared like collection now. Please take an action. Thank a lot
Product: Mortgage

I was recently informed by my loan servicer, OCWEN Loan Servicing LLC, that my monthly mortgage payment was increasing from {$2300.00} to {$2600.00}. Having known that my property taxes and insurance was not increasing, I was very surprised to hear this. I have been told, by OCWEN, that the significant increase resulted from a recent escrow analysis they performed during the summer. After further investigation of my escrow account history, I discovered a mysterious charge to my escrow account in XX/XX/XXXX. On XX/XX/XXXX, OCWEN reduced my escrow balance by {$2800.00} - for no apparent reason. Further, my suspense account balance was also reduced by {$3700.00} within the same line item ( despite the suspense balance application column being null ). This transaction is described as " escrow account adjustment '' in the account history. Notably, this transaction is alternatively described as " New Loan Setup Balances '' in a legal document OCWEN filed with the trustee of my Chapter XXXX plan. OCWEN representatives have suggested the account adjustment occurred as a result of " acquiring the loan. '' However, I have had OCWEN since at least XX/XX/XXXX. I filed for Chapter XXXX in XX/XX/XXXX. At that time, they filed a claim with the court which suggested my escrow account contained a surplus. In XX/XX/XXXX, OCWEN again reported to the court that my escrow account had a surplus but needed to increase my monthly payment to {$2300.00}. So, after pointing out to an OCWEN representative that they did not " acquire '' my loan in XX/XX/XXXX, they clarified that the loan was actually migrated from a different system within OCWEN called Rescap. As a result, they do not seem to have any of my account history prior to XX/XX/XXXX. Even worse, the account history available via their website ( which I am attaching ), raises additional concerns and questions. I am very concerned with their accounting. I have already suffered financially as a result of their inability to properly account. In XX/XX/XXXX, OCWEN failed to properly account for my payment. As a result, they filed an erroneous claim with the bankruptcy court suggesting I failed to make my monthly payment, and requesting that my plan be dismissed. While it was proven that I did in fact make the payment, it is my understanding that they have attempted to add the related legal fees from this filing to their claim with the court. 
I need a resolution to this escrow account situation. I have made my monthly payment on time throughout this process. Considering the immaterial changes to my property taxes, there is no justifiable reason to increase my monthly payment by such a large amount. OCWEN needs to provide a proper explanation and accounting for the erroneous adjustments they made to my escrow and suspense accounts on XX/XX/XXXX. Further, there are multiple transactions in my account history that need further explanations of all fees applied to my account and a correction of all inaccuracies. Please know that I have done my research on this issue and confident that these account adjustments are not justified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX  and LexisNexis are all reporting an unverified bankruptcy. When I disputed the item and asked them to verify it, they said they verified it through the courts. 

That is impossible and incorrect. The courts DO NOT speak to or verify items with third party agencies or credit bureaus. I even sent them the letter to prove this and they still are improperly showing this unverified bankruptcy.
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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. 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 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: Credit card or prepaid card

Based on their random credit score check, XXXX XXXX   reviewed my account and received a letter dated XX/XX/2018, pulled my credit score and determined that my account is closed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

All student loans are paid in full/XXXX  balance. This includes DOE XXXX XXXX, XXXX ( now XXXX ) and XXXX. The balances are reflected as paid in full/XXXX  balance on the credit report, however, the accounts are still showing as delinquent and negatively impacting my credit score. XXXX  informed me that the credit bureaus had been notified in XX/XX/2022 that all balances are paid in full/XXXX  balance yet Transunion on XX/XX/2022 informed me that XXXX ( now XXXX ) is still reporting as delinquent. I would like all delinquent accounts that are paid in full/XXXX  balance to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

Ongoing fraudulent transfer notifications from third parties fraudulently using personal information
Product: Credit reporting or other personal consumer reports

Formal dispute XXXX XXXXXXXX XXXX I am writing to formally dispute inaccurate information on my credit report related to my XXXX  XXXX account XXXX that several discrepancies in the reporting of this account violate my rights under the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation to correct these issues. 

The following inconsistencies appear on my report across TransUnion, XXXX, and XXXX : Date open on Transunion different from XXXX and XXXX Reported, all 3 have different dates, date last active and date last payment for XXXX different. 

This inconsistency suggests that inaccurate information is being reported, which could harm my creditworthiness. 

Reinvestigate the completeness of every piece of information and if its not accurate, please delete account.
Product: Mortgage

Loan Depot, who has 3 of my mortgages, estimated costs for me to purchase a new home in XXXX XXXX, UT. When the home appraised for lower, the Loan officer called and said we would have to lower the Lon amount. He didnt mention and I didnt find out until the day of closing, that the lower loan amount meant I would be paying points ( XXXX ) to buy down the interest rate or that any discounts I was originally quoted would disappear. The loan officer wondered why no one had called to tell me this. He said his boss should have called. The loan cost me approximately an additional {$3000.00}. I was also told by the loan officer that someone would call me to discuss. No one ever did and I was held hostage the day of closing.
Product: Credit reporting or other personal consumer reports

Capital One Auto Finance Auto Financing XX/XX/2023 This Inquiry is unauthorized and must be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently been in constant contact with Equifax consumer reporting agency over the past several months regarding fraudulent accounts being reported on my credit file due to identity theft. I have included several disputes as well as a FTC Identity theft report. Equifax has for the most adhered to the Fair Credit Reporting Act in regards to sections 605b, 609, and 611 except for the fraudulently account listed as Attorney General XXXX which is not only fraudulent but list two different accounts with inaccurate balances as well inaccurate addresses. I have disputed this account on more than one occasion and have yet to received any documentation from Equifax obligating me to this fraudulent account. It has been well beyond 30 days for this investigation and yet this account ( s ) sill remains on my credit file.
Product: Credit reporting

I sent a dispute letter to the bureaus ( XXXX, Equifax , and XXXX XXXX ) this past XXXX 2015 requesting that they remove a Ally Financial debt of {$4000.00} that does not belong to me. They never removed the debt, but stated that it would remain in my credit reports. I investigated this debt and Representative XXXX ID # : XXXX/Branch # : XXXX at XXXX confirmed on XXXX XXXX, 2015 that they have no record of this debt in their system with my name, social security, nor address. Please, investigate and find out why the bureaus are not investigating debts properly and doing the job that they are responsible for ; which is resolving disputes as accurately as they can. Your attention to this matter would be greatly appreciated.
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. 

Account name : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX Account # : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX Account name : XXXX XXXX  Account # : XXXX Account name : XXXX  Account # : XXXX Account name : XXXX XXXX XXXXXXXX Account # XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX  Account name : XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : TXXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX 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.

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and the above accounts without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have not been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that these accounts be reinvestigated and deleted off of my credit report immediately. I do not owe theses debts and I am requesting a cease and desist immediately.
Product: Mortgage

My name is XXXX XXXX. I was given a toxic loan [ enclosed ] on XXXX XXXX 2007, just before the collapse. This loan is about to explode leaving me and my husband homeless at our age The Servicer refuses to help us although others in our loan pool have been helped. 
Our loan is about to go up XXXX per month an amount we were never qualified for. The rating agency is XXXX.They have the power to make this happen. After rating all these loans triple AAA ..when they were not..We really need help..loan number XXXX ... our address XXXX XXXX..The servicer is Owcen Servicing. THey have repestedly lied and pushed us through hoops ... .thier address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint under FCRA and Fair credit and billing act. I would like to see full validation and what the company right to collect on these accounts. I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on myXXXX credit reports : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Please remove it from my XXXX credit report. 

I did not apply for a Chase credit card on XX/XX/XXXX. Please remove it from my XXXX credit report.
Product: Credit card or prepaid card

In  XXXX  of    2016  I moved from   XXXX   XXXX   to  XXXX   XXXX  and during the busy move missed my monthly payment. As a result, my account received a penalty APR that double d my original APR and raised my monthly payment substantially. I had made several charges related to the move and at first thought the subsequent increase in monthly payments was a reflection of the purchases charged to the account, when in actuality it was the result of the penalty APR that had been placed on my account. When I had learned it was due to a penalty APR I contacted American Express and told them why I had accidentally missed a payment, I was told they could not remove the penalty APR and I would have to wait for the APR to return to its original rate. Over the last 10 months that this penalty APR has been in effect it made paying my monthly bill difficult a  nd resulted in a late payment which apparentl y further extended the time my account would be subject to the penalty APR. I have called numerous times requesting the penalty APR be removed and have been told each time by the service representative they are unable to remove the penalty APR and I must wait. This is an unacceptable punishment for an accidental missed payment. Due to the high interest charged each month o nly a small percentage of my monthly payment is applied to my account 's overall principal balance, effectively keeping my balance at practically the same amount each month. I have been an American Express member for 9 years a nd this is a poor reflection on their commitment to helping their customers manage their debt effectively.
Product: Bank account or service

On XXXX/XXXX/2016, I submitted a dispute with Suntrust Bank in the amount of {$33.00}. The dispute was against an authorized payment to XXXX and for signing up for website services. On approximately XXXX/XXXX/2016, my business website was abruptly shut down and taken offline by XXXX. I never received any prior notice or warning that my website would be deactivated and this occurred after I had made a monthly recurring payment of {$9.00} and the initial set up fee of {$33.00}. XXXX breached the terms of the agreement between itself and I in shutting down my website. My business suffered as a result of my website shutting down. Therefore, I filed a dispute with Suntrust Bank for the return of my money. 

Suntrust Bank has neither taken any action on my dispute nor provided feedback to me. It has been more than 90 days and I have no idea what the status of this dispute is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I had 9 accounts through Nelnet that hit my credit report. Reporting late I had no idea that payments were due because my accounts were in deference status. Usually there is an upcoming date to remind you of payment through email. I did not get reached through email or valid address. I called immediately once I found out and they didnt see that they tried to reach me by email either for a reminder. Instead they went off public records which was incorrect due to me having identity theft in XXXX were someone obtained my information and opened multiple accounts and attached mailing information to a XXXX XXXX . Ive contacted Nelnet multiple times to see about getting the late payments removed. Ive even tried to work out payment plan if late payments could be removed. They had no way of contacting me and instead of apologizing for the inconvenience the representative basically said its my problem and it will not be removed. I had no recollection of this being late and it is impacting my credit very negative especially with me being in the process of trying to purchase a home. I can not do anything with 9 accounts showing late and its the same lender very unfair! Especially because they are not offering any type of assistance.
Product: Debt collection

On XX/XX/2022, I was notified I had medical debt collections from a credit report that was pulled for a mortgage pre-approval request. On XX/XX/2022, I sent a debt validation letter to Merchant Adjustment Services via certified mail. On XX/XX/2022, I received a letter from Merchant Adjustment Services. Contained in the letter was not a validation of debt, rather, I received a list of the medical records in direct violation of XXXX regulations. I never signed an authorization allowing access to this information.
Product: Money transfer, virtual currency, or money service

Coinbase, a bitcoin exchange, charged my card 5 times for a total of {$410.00}. These were unauthorized transactions that happened over a month ago. Every time i reach out to them they said they can not issue a refund and dont know where my money went. Ive contacted them over and over again.