23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed on my home with Pentagon Federal Credit Union ( PenFed ) on XX/XX/XXXX. In XX/XX/XXXX I was notified that my mortgage payment would increase monthly from {$2600.00} to {$4100.00} a difference of {$1500.00}. The increase in payment is due to Penfed assessing my taxes based on the land value of my home in XXXX ( XXXX ) not the sale price of {$560000.00} nor the appraisal value of $ XXXX. Per the documents my Escrow account XXXX payment was {$380.00}. The new assessment for the escrow ( ONLY ) is {$890.00} ( taxes-insurace-pmi ), difference of {$510.00} based on county assessment of my home @ {$570000.00}. Per the Annual Escrow Account Disclosure Statement the breakdown is {$510.00} PLUS shortage of $ XXXX {$1500.00}. 

My point of contention is specific to the additional {$1000.00} a month ( {$12000.00} for a yr ) Escrow shortage they are asking me to recoup. I would like for PenFed to forgive this amount as they incorrectly assessed the taxes on my home prior to the date of closing. In 18months I was never notified of any error or inconsistencies. This amount of money is financially impossible for me to pay ( {$4100.00} a month ). My closing disclosure, nor in my communications with Loan Processor/Title company ever disclosed this amount of monthly payment was ever in consideration. To date Penfed has acknowledged their mistake however have not offered financial responsibility for a mistake I had no way of foreseeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} U S DEPT OFEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I scheduled a payment to be sent from XXXX, my bank, to Mr. Cooper, the servicer of my mortgage. The payment was delivered on XX/XX/XXXX. 

As late as XX/XX/XXXX, Mr. Cooper still had not credited my account. I confirmed with XXXX that it sent the payment to Mr. Cooper. I called Mr. Cooper, who told me they had not received the payment. I was advised to put a stop payment on the check, which I then did. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating that they are charging me a fee for the stop payment on the check that they now conveniently tried to cash. 

On XX/XX/XXXX, I chatted with Mr. Cooper 's customer support who told me they can not reverse the charge, even though it was due to their mistake.
Product: Credit reporting

On XX/XX/2017 I received a letter from equifax stating that an initial fraud alert was placed on my report per my request. I have never contacted equifax and requested a fraud alert put on my account. They also said that they are forwarding my fraud request over to XXXX and XXXX.
Product: Payday loan, title loan, or personal loan

I have a loan with Tower Loan located in XXXX XXXX, LA. My first payment for my new account was due XX/XX/2020 however due to the pandemic I had a problem making that payment. As of today that payment is still past due however I had intentions on making that payment this week. I was told that if I did not pay the XXXX and XXXX payment that there would be legal fees added to my account and my wages garnished. My first payment is not even 60 days past due as of today however the branch manager XXXX indicated I am 60 days past due and that if I don't pay XXXX and XXXX in full legal action will taken place. To threaten someone with legal action and wage garnishment during a pandemic is disgusting. To add to my embarrassment of not being able to pay my payment as promised, XXXX refused to make any other arrangements with me as per XXXX " he could have sued me last month for this debt ''. What I don't understand is how if my payment was due just last month? I would like to make arrangements to catch up on my payments however the branch manager refuses. He refused to provide a number or email address to their home office, he only redirected me to the site. I have completed their complaint form twice and received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report ceased updating online when I requested for old mailing addresses to be deleted, except my current address. But they deleted my current address too. Without any addresses associated with my credit report, the information will not update past XX/XX/2020 on their Experian website, which is the last date there was an actual mailing address associated with my credit report. I have tried over and over again to call and get the problem fixed, and even uploaded address verification documents several times, but with each phone call and dispute initiated, my credit report still remains missing the mailing address. Their representatives tell me that they added my address and then send my dispute resolutions. When I get the updated dispute, it still shows no mailing address associated with my credit report, which is what is causing my score to not update on their website. I have explained to Experian representatives several times that I have reported this same issue several times for over a year with still no resolution.
Product: Credit card or prepaid card

I am a California resident and hold a personal checking account and a business credit card account with Chase Bank. I tried to use my business credit card on XX/XX/XXXX at XXXX, but the card was declined. I logged in to online banking to check my card 's account status, and was shown a message that the account is closed. I asked customer service via secure message, and I received the following response from " XXXX '' : XXXX, you account was closed due to bank policy. I apologize for the denied charges. To discuss the rea son for closure, we must speak with you directly. Please contact Customer Service at the number listed on th e back of your card. 
I regret to inform you that the open to reopen your account ending in XXXX is unavailable. You can apply for the new card online. To submit a new credit application, please visit our website for the most current offers and terms available. You can find us on the web at : https : //creditcards.chase.com Several days later, I received a letter dated XX/XX/XXXX, stating : After careful consideration, we decided to close your credit card account on XX/XX/XXXX, because of unexpected activity you conducted on this or another Chase account. 

I also received a letter in the same envelope that says that my checking account will be closed on XX/XX/XXXX. 

I called in to customer service and spoke with the compliance department ( s ) on two calls, one for the checking account and one for the credit card account. The representatives " XXXX '' and " XXXX XXXX '', would not provide more information on what happened or why my accounts were closed. 

I am not aware of any violations of the contractual terms, nor am I aware of activity that would be considered unusual or unexpected on these accounts. 

On information and belief, this appears to be a violation of the California Song-Beverly Credit Card Act of XXXX. There may be other violations.
Product: Credit card or prepaid card

This concerns XXXX XXXX store card as administered by Synchronity Bank. They issue a statement around the XXXX day of each month with a due date around the XXXX day. Say if you make a monthly payment before the the XXXX, their practice is to somehow apply the payment to the previous month. 

After the XXXX, XXXX XXXX assesses a late charge although the payment was actually made. The statement for the following month reflects a past due amount along with online dunning statement. Of course XXXX XXXX does not advise its customers of this pre-payment or early payment penalties I am submitting documents aptly demonstrates this, including a payment made on XX/XX/2021. Yet I was charged a late fee nearly equal the amount of this payment! This is a flagrant violation of Fair Credit Billing Practices Act, Fair Debt Collection Practices Act, and Fair Credit Reporting Act if reported.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving an ongoing issue with TransUnion, which is continuously reporting fraudulent accounts on my credit report, despite my numerous attempts to have them removed. I have provided TransUnion with both an FTC Identity Theft Report and a police report regarding these accounts, yet they persist in reporting this inaccurate information.

This situation is severely affecting my life in numerous ways, including but not limited to my ability to secure housing, credit, and employment. The false accounts are negatively impacting my credit score and overall financial wellbeing, making it difficult to move forward despite my efforts to rectify the situation.

I believe TransUnions refusal to remove these fraudulent accounts constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). As you are aware, under the FCRA, I am entitled to have inaccurate or fraudulent information corrected or removed from my credit report within a reasonable timeframe, once valid documentation has been provided. TransUnion 's failure to do so is not only a violation of these protections but also a source of immense personal and financial distress.

I kindly request the CFPB to investigate this matter and compel TransUnion to remove the fraudulent accounts from my credit report as soon as possible. Your intervention is necessary to ensure my rights as a consumer are upheld and that I am able to restore my credit to its accurate standing.

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.
Product: Debt collection

I was going through a divorce and I believe this account was opened by them. I had become aware of this account in 2018 at which time I had become aware it was closed and charged off. At that time, I disputed the charges and the validity of the account. Recently, while trying to purchase a vehicle I became aware that I had an opened late pay debt which was surprising to me as I had no contact from anyone. After further research I discovered LVNV LLC had reopened this closed charged off debt that was previously disputed as not being mine. Mind you, there has been no contact from them. I immediately sent them a certified letter requesting documentation asking to supply the information below so that I can be fully informed about the alleged debt pursuant to the Fair Debt Collection Practices Act : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the alleged debt is currently owed. 
The name and address of the original creditor and any other names used.

A copy of the original contract or other agreement.

Evidence that I was the one who opened said account and it was not opened fraudulently.

The name of any other person that is or was required to pay the alleged debt.

The amount and age of the debt, including : Proof I owe the debt. 
Provide a copy of the last billing statement sent to me by the original creditor. 
State the amount of the alleged debt when you obtained it. 
State the date when you obtained the alleged debt. 
Provide an itemized list of any alleged interest, fees, or charges since the last billing statement from the original creditor. 

Provide a copy of any agreement expressly authorizing such interest, fees, or additional charges. 
Provide an itemization showing any payments since the last billing statement from the original creditor. 
State when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
A calculation of whether the statute of limitations has expired for collecting the debt. 
( Virginia Statute Code : 8.01-246 ). 
The last action taken of the action. 

Details about your authority to collect this debt, including : Proof of your ownership of the account. 
Provide the number of any license to collect debt in Virginia and the name of the issuing agency. 
Provide the number of any license to collect debt in the state where you are located and the name of the issuing agency.
Product: Credit reporting

On XXXX I called the Equifax Credit company, so i can Dispute an account On My Credit file I gave the name Of the Creditor Which is XXXX, I went on online several times To check the status with no results. 
The Reason I was dispute this account Is because, This account It was included On My Bankruptcy XXXX And I had Been Dismissed since XX/XX/XXXX, to my understanding every account included in My Bankruptcy should be Deleted out my Credit File. 
As a today I have n't heard anything from Equifax at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

They state my information has been affected. so without my consent my information was taken.
Product: Credit reporting or other personal consumer reports

Equifax has purportedly resolved my investigation without responding to my complaint on CFPB. It is expected that they will soon indicate the complaint as resolved and it will subsequently be closed. However, I want to emphasize that Equifax 's involvement in this matter is far from over. Equifax erroneously categorizes my bankruptcy as a XX/XX/XXXXXXXX, a classification applicable to family farmers required to partially repay their debts. I have never engaged in farming and have no obligation to make any repayments. This appears to be an intentional attempt by Equifax to evade accountability for their error which appears to be more intentional than error at this point. 

Despite myXX/XX/XXXX bankruptcy being public record and duly acknowledged by Equifax, it took three investigations for them to rectify my credit report. XXXX XXXX was duly notified by the court of my impending and final discharge. I also wrote to them several times via email, explicitly requesting an end to their phone-based harassment and reiterating details of my bankruptcy. Both XXXX XXXX and Equifax were aware that the debt was invalid, both were aware of the finalized discharge. Nevertheless, it took three investigations for Equifax to partially rectify the situation. 

Presently, I see that XXXX XXXX is labeled as a " closed account '' on my Equifax my credit report ( no other credit reporting agencies have had this problem. ) However, Equifax has appended a comment implying that this discrepancy was somehow my doing, when in reality, it stemmed from the failure of XXXX XXXX and Equifax to comply with legal procedures. This is particularly galling as it adversely affects my Equifax score, inaccurately suggesting that I bear responsibility for the situation, rather than XXXX XXXX and Equifax who failed to adhere to legal requirements. 

I am unwilling to initiate a fourth dispute. Instead, ***I wish to inform Equifax that I have initiated a lawsuit against them in small claims court. *** This action is taken to seek redress for the time spent, the harm caused to my credit report, the missed financial opportunities, and the emotional distress inflicted upon me. It is aburd for Equifax to offer admonishments or guidance on proper procedures for future incidents when it was their own professional incompetence that necessitated three investigations to address this matter and they still have failed to get it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 states a consumer reporting agent can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Not ever was permission granted or requested, to track, list, store, report, gather, or handle by any means any information with regard to XXXX XXXX XXXX. If any documentation exists that shows any such permission has been granted or otherwise authorized, let it be stated : under false pretenses and without full disclosure were these contracts acquired. 
Furthermore, with regard to statements made by creditors or government agencies of all type, that claim liability and or levy against XXXX XXXX XXXX, let it be as stated : these are all in violation of public policy as XXXX XXXX XXXX is exempt from levy ; XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX said I opened the credit card in 2017 at first I didn't remember it was so long ago but I have to consulting with my attorney we have determined it was fraud police were contacted also I contacted XXXX XXXX they said it was sold to XXXX XXXX XXXX XXXX  I disputed both agencies because XXXX XXXX still reporting on my credit report so if it was sold why is it still reporting on my credit report also it is fraud I don't remember taking this credit card it is almost XXXX years old plus the balance is more than the credit card itself please fix this issue this is stopping me and my wife and my family from getting our home our first home I am XXXX it's hard for me and it's stressing me out the company is XXXXXXXX XXXX XXXX it is reporting twice on my credit report they are charging me twice XXXX XXXX XXXX  is and also XXXX XXXX XXXX XXXX is charging for this fraud
Product: Credit reporting or other personal consumer reports

A new debt from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX .They are medical bills from a hospital. I did not receive a bill from the hospital. I have medical insurance. It seems like anyone can just say you owe than and they are putting it on your credit report without verifiy the debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to you today to file a complaint against Equifax for failing to correct an incorrect name on my credit report. 

On XX/XX/2023, I submitted a dispute online through Equifax 's website. I attached images of my state ID, birth certificate, and social security card as proof of my identity. Within 24 hours, Equifax responded to my dispute stating that it had been completed. However, my name was not actually changed. 

When I called Equifax to inquire about this, I was told that they had received the images I submitted, but they now required me to send a photocopy of the documents via mail. I explained that I had already provided this information digitally, as they had requested, and that they confirmed that they had it on file. However, they refused to update my information without a photocopy of the documents sent via mail. 

This incorrect name on my credit report has had a significant impact on my ability to obtain credit. For example, I was can not obtain a fair mortgage because the lender was unable to obtain a credit score from Equifax due to the discrepancy in my name. I have also been unable to obtain other forms of credit, such as a car loan or credit card. 

I have never changed my name, and I do not go by any aliases. The incorrect name on my credit report was simply entered into Equifax 's system erroneously. I have provided Equifax with ample evidence to prove that I am the owner of the account, but they have refused to update my information. 

I am requesting that Equifax immediately correct the incorrect name on my credit report.
Product: Mortgage

I have called and requested a hardship withdrawal letter from Nationstar mortgage on  XXXX   XXXX . The company told me that the letter would be generated in  2-3 b usiness days and sent to me via postal mail and email. I followed up with phone calls  XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX  asking if the letter had been generated and made available for me to pass along to m y 401 (  k ) account holder so that my payment can be made by  XXXX   XXXX , or I would have to ask for another hardship withdrawal letter for a different amount for the month of  XXXX  or possibly lose my house. The company responded each time to my follow up calls stating that the letter should be generated i n 24  hours and would be available the next day. I called today,  XXXX   XXXX , and the representative is telling me that the letter was n't requested until  XXXX   XXXX . Nationstar seems unmotivated to allowing me to resolve my past due payments and seems as though they would rather my mortgage go into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRES WERE NOT AUTHORIZED BY ME AND HAVE NO RELATION TO ANY ACCOUNTS. HERE IS THE LIST OF INQUIRIES : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XX/XX/2022 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XX/XX/2022 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

This account has been paid according to the agreed settlement. They are still attempting to collect and sue me for said amount. I want this account to be removed from my credit or updated to show paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX DXXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX