23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It has come to my attention that Penn Credit Corporation is in violation of a cease and desist order which was delivered to them on XX/XX/2022. I have asked this company for VALIDATION of this alleged debt but they continue to send me VERIFICATION which happens to be a bill dated 3 months after the sale of the alleged property. Prior to selling the home, the new purchaser had to put the Gas services in her name to take care of all the inspections on the XXXX family dwelling knows by the address XXXX XXXX XXXX unit XXXX & XXXX. There is no such address as XXXX XXXX XXXX. I now have proof that Penn Credit Corporation is using extortionate means with forethought and malice to collect this alleged debt which is a federal offense with up to a 20 year sentence, a fine or both. Being that XXXX XXXX claim to be the individual handling this account, he is in direct compliance with violation federal law and I will be certain to attach the response to CFPB complaint # XXXX. The documents for the closing on this address will be attached to this complaint as well as the fraudulent XXXX bill which is verification and not validation of the alleged debt. Please pay close attention to the dates on such statements. I am also sending the cease and desist order again so that Penn Credit Corporation can stop violating this order by communicating with me through the credit reporting agencies. I am fully aware of my rights as a consumer and I will be forced to take legal action of Penn Credit Corporation continues to use extortion as a way of forcing me to make a payment on this ILLEGAL alleged debt. My consumer reports are a direct reflection of my reputation as a consumer and I take my reputation seriously. Please carefully read the attached documents so that we do not have to take this any further action. Also attached to this complaint is the final payment due to XXXX which they cashed in the amount of {$250.00}. I advise you to not take this any further.
Product: Credit card or prepaid card

I contacted XXXX XXXX at Citibank because I was making my payments of {$300.00} and Citibank got greedy and raised my minimum payment to {$570.00}. I explained my unfortunate set of circumstances and tried to take preventative actions with Citibank asking for Citi to work with me as unfortunately have fallen short and would to modify terms. 

Temporary hardship plans - These plans are typically set for 6 or 12 months. I am requesting CITIBANK to reduce my account to 2 % of my current balance. I am requesting for CITIBANK to address the interest rate and reduce to anywhere from zero to 9 %. I am requesting for CITIBANK to waive fees and penalties and offer me a pre-plan arrangement. I requested for any long term hardship program - provide me with payments amortized over 5 years ( 60 months ) which would be similar to the temporary plans of 2 to 2.5 % of the current balance set as your monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint over some accounts that I have on my credit file that need to be properly updated and removed from my credit report. Please delete/remove XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX , XXXX # XXXX. I have already filed a CFPB complaint against these companies and the account were not accurate or valid.
Product: Mortgage

We ran into a job loss about 4 years ago and we did what everybody told us to do. We called Wells Fargo our mortgage company and asked what we could do. this was after exhausting all savings and XXXX to try to keep mortgage current. They gave us a plan for reduced payments for 3 months which we did and at the end we got another 3 month reduction at a higher payment. At the end of this period we got a bill for a balloon payment for all the back due. We were never told about this. Lie # 1. The next thing we know is that we were in foreclosure. We then whet through their program to modify the loan. Over the next several years, they lost our paper work at least 3 times and we submitted document after document and were denied. Finally I was told that it looked good but then my wife 's and my student loans were brought into the equation and it was denied another time. Meanwhile we paid the payments until they refused payment. We tried to sell the property, we tried short sell and were denied and we tried a deed in lieu of foreclosure and was denied twice. XXXX we decided to move and abandon the property and we had to tell them to take it to sheriffs sale and now it was stayed on XXXX/XXXX/XXXX. We just want them to take the property, but they seem to want to drag this out as long as possible. The agents at Wells Fargo have lied to us and even went so far as to tell me about her son being XXXX from the military. I have spoken to their executive office and got no resolution. I feel I have done everything to try to save this property, but at every turn have been treated unfairly and it seems that for some reason Wells Fargo is racking up charges to try to get more money from the FHA. Now I just found out that the reason for postponement for the sale was because they think we are XXXX military. I am XXXX and my wife is XXXX, we have both been XXXX military since XX/XX/XXXX and my wife since XX/XX/XXXX. Just another delay and more charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRED XXXX XXXXE XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX SERVICES XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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 or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX  XXXX XXXX  Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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
Product: Credit reporting or other personal consumer reports

My identity and information was used without my consent and without my knowledge. Please remove the inquiries from AMERICREDIT FINANCIA 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
Product: Mortgage

I took a mortgage with  Citi in 2015. My wi fe and I moved assets to the bank to obtain a mortgage discount of 0.25 %. Within the last several weeks I received a check from Citi stating that they realized they had made a mistake and did not apply the agreed discount to the mortgage. They applied a 0.125 % discount instead of the full 0.25 % as agreed. They included a check for the amount  XXXX . This is for five years of interest on the difference between the agreed interest rate and what my wife and I are currently being charged. This was Citi 's mistake and because of it I am being forced to accept a partial reimbursement. They are only willing to provide me with a check for 5 years of the interest difference rather than the full 30 years. The difference is ov er 18,000 doll ars. This is not something my family can afford to accept. This is a long term home for our family as evidenced by a 30 year fixed loan and we should not have to accept  Citi  's partial payment for their mistake.
Product: Debt collection

I get calls at least once a day and sometimes twice about my son owing for a medical bill, they just called now again twice within XXXX minutes. Their number is XXXX, must be a collection agency and I consider this harassment for so many calls, why ca n't they send mail with their requests
Product: Credit card

Today I went ahead and applied Chase 's SAPPHIRE PREFERRED credit card. I got instant approved for XXXX with a message saying I am not eligible to receive the welcome offer. For the record, chase currently offering XXXX signup bonus on their CHASE SAPPHIRE PREFERRED card. 

Before I applied for this card I was below Chase 's XX/XX/XXXX rule and I personally never had any Chase Sapphire cards before. It was shocking for me to find out that chase disqualified me for this offer. However that was XXXX of the main reason for me to apply for this card with the elevated welcome offer. 

Furthermore I went ahead and reached out to Chase 's RECONSIDERATION line. There first representative hard my concern and couldn't do anything about it. After that the customer service agent escalate this matter to XXXX of his supervisor named XXXX. Again I explained everything to her and expressed my concern. Without wasting anytime she told me I am ineligible for the bonus. Her reasoning is, in XX/XX/XXXX I did receive a welcome offer for a CHASE FREEDOM FLEX card. And it hasn't been 24 months since. She also asked me to check the 'offer details ' page for CHASE SAPPHIRE PREFERRED card as this condition has been listed there already. 

Upon checking the 'offer details ' page there is no where it mentions that if a person receives a welcome offer on a 'CHASE FREEDOM ' branded card, they will be ineligible to receive an welcome offer on 'CHASE SAPPHIRE ' brand cards. Here is a copy of what it says " The product is not available to either ( i ) current cardmembers of any Sapphire credit card, or ( ii ) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products. '' Chase has multiple branded cards such as " SAPPHIRE '', " FREEDOM '' and few others partner branded cards. As of this moment chase currently have two SAPPHIRE brand cards. They are 'SAPPHIRE PREFERRED ' and 'SAPPHIRE RESERVED '. Also chase have multiple " FREEDOM ' branded cards such as 'Chase Freedom Unlimited ', 'Chase Freedom Flex ' , 'Chase Freedom Rise '.

In summery I felt betrayed and cheated by CHASE 's false advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : DEPT OF ED Date of Inquiry XX/XX/XXXX DEPT OF ED Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report that is being reflected is currently not Metro 2 compliant. Enclosed to this complaint are files that outline the inconsistencies in my credit report.
Product: Credit card

I have hit a hard time with my credit card payment and the interest rate is XXXX  I have been with this company for year paid them off a few times along with making all my monthly payments on time I just need a hit with this.
Product: Credit reporting or other personal consumer reports

Writing to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove the following unauthorized hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a collection notice from Bank of America, stating I have a principal mortgage balance of {$150000.00} and the account is past due {$84000.00} and the property is in foreclosure process. The property this account is attached to was sold by XXXX XXXX County in a Tax Deed Sale on or about XX/XX/XXXX and all the proceeds from the sale of this property were held by the XXXX XXXX office. Since XX/XX/XXXX this same property has been bought and sold multiple times. 
I contacted Bank of America multiple times and advised them of this matter and they continue to be unresponsive and disregard all the documentation I've sent to them. 
I've disputed the fraudulent posting Bank of America has placed on my credit reports multiple times and the Credit Bureaus continue to state the Bank of America posting has been verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed unverified and unauthorized accounts with the credit bureaus and they have taken them off my report
Product: Credit reporting or other personal consumer reports

XXXX XXXX  still did not send a request to Experian and XXXX to remove the chargeoff or delete XXXX XXXX from my credit report. Do to the fact XXXX XXXX was beening untrustworthy. Do to the fact I never sent a cease and desist letter to XXXX XXXX never had a chargeoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a balance of {$9200.00} on my credit account for a vehicle that they picked up due to mechanical issues to repair. The vehicle was never returned to me fixed and I moved to another state. They have the account listed as a charge off. Ive disputed and disputed several times and they fail to remove it from my account.
Product: Credit reporting

I submitted to experian credit reporting agency a letter I received for further documentation the my mandee 's account was never paid late and this account should be reporting as accounts that are satisfactory. I received the letter from the bank ( XXXX ) that they are to adjust and correct my report. Today I reveiwed online the results of the investigation and now it is showing as N/D for the month of XXXX and still reporting as a late payment for XX/XX/2015. This is completely wrong. Experian requested this letter so they can adjust my report and move this account to accounts that are satisfactory. I spoke with commenity bank and received this letter as they confirmed this account has never been paid late. This account at one time was reporting correctly as accounts that are satisfactory then recently it was moved to accounts that are potentially negative. They re-inserted it back to negative. I spent time on the phone with them plus my time in mailing this letter again and it still is not corrected. I am submitting this complaint about experian credit reporting agency because they have the substantial documentation they need to correct this account. XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received an alert from several credit monitoring services that a new collection account was placed on my credit report as of XX/XX/2023 from Transworld Systems. Transworld Systems never contacted me by mail, phone or email, about any debt, nor did I give them consent or authorization to access my credit reports from any credit reporting agencies. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Credit Reporting by XXXX XXXX XXXX : To Whom It XXXX Concern, I am writing to formally dispute the reporting of an account from XXXX XXXX XXXX on my credit reports with XXXX, TransUnion, and XXXX. Upon reviewing my credit reports, I discovered that the same account is being reported inconsistently across the XXXX bureaus, with major discrepancies that violate the Fair Credit Reporting Act ( FCRA ). 

Account Overview : Account Name : XXXX XXXX XXXX ( Revolving Account ) Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Responsibility : XXXX Account XXXX XXXX : {$500.00} ( XXXX XXXX TransUnion ), {$250.00} ( XXXX ) Discrepancies Between Credit Bureaus : XXXX : Payment Status : Account paid satisfactorily with no late payments reported. 
Closed Date : XX/XX/XXXX. 
XXXX XXXX : {$290.00}. 
Account XXXX : No derogatory events reported. 
XXXX and TransUnion : Late Payment Reporting After Account Closure : XXXX reports the following late payments : 30 days late in October 2018 60 days late in November 2018 90 days late in XX/XX/XXXX TransUnion reports a XXXX late payment in XX/XX/XXXX. 
These late payments are erroneous because they occurred after the account was closed in XX/XX/XXXX, which is confirmed by XXXX. No closed account should have late payments, and this is a violation of FCRA accuracy requirements. 
Incorrect Last Activity Reporting : TransUnion reports the last activity as XX/XX/XXXX, more than a year after the account was closed, which is also inaccurate. 
Requested Resolution : I request the following actions be taken : XXXX removal of all derogatory marks associated with this account from my credit reports with XXXX and TransUnion, as these late payment reports are false. 
Correction of the late payment history on XXXX and TransUnion to reflect the accurate reporting provided by XXXX, which shows no delinquencies and that the account was paid satisfactorily. 
XXXX of the accounts details across all bureaus to ensure consistency, particularly with the accounts closure date, payment status, and last activity. 
This dispute is being submitted in accordance with the FCRA, and I expect these issues to be resolved within the XXXX investigation period mandated by law. If these errors are not corrected or verified, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and any other appropriate regulatory bodies. 

I have enclosed copies of my credit reports from XXXX, TransUnion, and XXXX, highlighting the discrepancies. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation once the corrections have been made.
Product: Mortgage

I applied for a refinance through CrossCountry Mortgage on XX/XX/2022. The loan officer in XXXX told me I didn't need to .are a payment on my original loan for .y refinance had gone through but was waiting on an appraisal which didn't come through until XX/XX/XXXX. Then they declined the loan. Putting me back a payment on my mortgage.
Product: Credit reporting or other personal consumer reports

XXXX  steered me toward forbearance pausing payments with interest accruing instead of lower-cost repayment plans, which ultimately increased my debt. In addition to that, the process of requesting information was never fulfilled which caused a discrepancy on believing that payments were applied incorrectly, leading to missed payment reports or increased interest charges.
Product: Vehicle loan or lease

Account is XXXX  days behind i have been trying to make s payment as i am going through a financial hard ship at the time and would like to come to some type of resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer service would not help and take care of the negative inquiries reporting to my credit report - XXXX XXXX -XXXX  XXXX XXXX  -XXXX XXXX  XXXX XXXX
Product: Consumer Loan

I have a loan with One Main Financial, which I will never do again. When I paid in XX/XX/2016, the amount due said {$200.00}. This is a cause I overpaid in XXXX so my payment due was less than the regular amount. That payment cleared but within a week my account showed a past due amount of almost {$600.00}. I have asked repeatedly for something to be sent in writing explaining this drastic shift. I have received nothing. Suddenly my account shows a returned payment from XX/XX/2016, two months prior. This makes no sense. Further, I have told One Main to cease all calls to my work, as I am not permitted to have them call my work number, and they continue to call. I will receive a call and voicemail on my work number and, within minutes, a call and voicemail to my mobile. Why they keep calling my work number when they have been told to cease, I can not say, but there was a time that they would ONLY call my work number and not my mobile. They have also called my employer 's main number, a number they were NEVER provided, instead of calling my direct line. Since last telling them to cease calling my work number, which was approximately two weeks ago, or less, I have received no less than seventeen to twenty calls and voicemails to my work number. This is not the only time I 've told them to stop contacting my work number, but they are rapidly nearing the end of my rope. I feel that their loans are predatory and that they are now harassing me with their incessant calls, ignoring the information that I have asked be sent to my mailing address, and calling a number that I have told them to STOP calling daily, including Saturdays. This needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute letter was sent to the following three credit bureaus, XXXX, XXXX and XXXX for the company Portfolio Recovery Associates on XX/XX/XXXX. The results of the dispute did not fix the error on any of my credit reports. The account is still reported as opened in XX/XX/XXXX and remains open and the original creditor, XXXX XXXX, does not show on my credit report, nor reporting any action.