23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The property that the mortgage is on is a rental property. The address is on XXXX XXXX XXXX AZ XXXX. The loan amount of {$260000.00} originated in XX/XX/XXXX when we purchased the property. We set the mortgage on auto pay with XXXX. We made all scheduled payments on time. 
We where looking to acquire a loan for another property we wanted to purchase in XXXX. We went to our mortgage broker to get pre-approved. The broker did a soft pull on our credit and told us on XX/XX/XXXX according to the credit report that Rocket Mortgage had us reported late on XXXX payments. Knowing we have never applied for a loan with Rocket Mortgage, I instantly thought fraud and called Rocket Mortgage to report it. When I contacted Rocket Mortgage they explained to me that they had purchased our loan in XXXX. They claim to have sent us notice of this in the mail and sent it to the address of the rental. I explained to them that we do not reside there and never received the notice. Knowing that it was no longer a case of fraud, I provided a debt card number to bring all current payments up to date on that date of XX/XX/XXXX. 
I have spoken with several people with Rocket Mortgage about having the reporting of the late payments removed do to a miscommunication and they will not remove them saying the report is accurate. This request was escalated and still they would not remove it. 
Before this incident our credit is perfect. No incidents at all. We make every payment on time. 
Do to this miscommunication, we request that all XXXX late payments be removed from our credit. Had we been notified properly, this would not have occurred.
Product: Credit reporting or other personal consumer reports

This company has failed to acknowledge my account being paid in full as of XX/XX/XXXX. There was a garnishment for the total amount of {$16000.00}, issued for the loan in XX/XX/XXXX with payments starting on XX/XX/XXXX to my employer group. On XX/XX/XXXX, the final payment of {$200.00} was made to satisfy the stated amount provided to my employer group and on court docs. I received a release letter from my employer, who sent to XXXX XXXX on XX/XX/XXXX. My XXXX credit report shows I owe the amount of {$1000.00} with a high balance of {$16000.00}. This balance owed is incorrect. The report also shows a term of 74 months versus the original contract of 72 months. The term info is incorrect. Additionally, it states my last payment was XX/XX/XXXX, which is inaccurate as well. My last payment was XX/XX/XXXX for the loan amount. I called in XX/XX/XXXX to XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX at XXXX and was transferred to XXXX XXXX, XXXX for the law office representing First Investors in reference to the balance owed. XXXX advised me my loan balance was paid in full and emailed me on XXXX confirming the principal balance was satisfied in XX/XX/XXXX. He also sent me a pdf file showing what my total balance owed was from the legal docs. The balance of {$1000.00} is not the correct amount for the loan in which is being reported. The docs show a breakdown of the principal {$13000.00}, {$1000.00} interest, {$1400.00} attorney fees, {$310.00} fees and {$160.00} in late fees, totalling in {$16000.00}. This loan has been paid off full plus some.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I was on the phone trying to set up things with my new XXXX XXXX. I thought I had called XXXX  support. there was a fradulent pay pal charge for XXXX to XXXX XXXX.I noticed the charge right away when it was pending. I notified XXXX XXXX  and they would not let the transaction go through since I disputed it.I had other issues and the bank said my account was compromised. I had to close all of my XXXX  accounts and had to get a new XXXX XXXX XXXX XXXX credit card. 
I had spoken to someone at pay pal and they said I do not need to pay it. On my pay pal account it still says i owe the money. i dol not believe it is on my credit report. i would like this resolved so i can continue to use my pay pal account. my pay pal account had my old address but i have since fixed it. 
please take care of this fradulent transaction
Product: Mortgage

MORTGAGE companies have tooo much power over lending and following the rules for mortgages!!!! 
XXXX Mortgage bought my home loan from Chase bank knowing my mortgage and property was upside down and under water. I have been battling multiple mortgage companies since XXXX to process my mortgage under the XXXX program ; however, mortgage companies do nothing but stall, miss lead and sell my loan to other companies. Mortgage companies forced me into bankruptcy and destroyed my credit. I finally gave up battle to process my home loan under XXXX and asked for the " keys for cash '' program. Chase stalled ( as usual ) would not give information until XXXX XXXX that they sold my loan to XXXX. XXXX took THREE months to acknowledge they had my loan, refused to acknowledge our request to for keys for cash program ... ... NOW XXXX continues to stall and postpone the sell of the property for NO reason. My home counselor has never seen this treatment before ... ..Mortgage companies need to be held accountable financial treatment such as this!!!
Product: Debt collection

Dear XXXX Staff, XXXX bankruptcy filed in XX/XX/XXXX. Bankruptcy was dismissed in about XX/XX/XXXX due to falling behind on plan payments. My husband is XXXX became permanently XXXX in XX/XX/XXXX. I am XXXX, permanently laid off from my job of eight years and have filed for XXXX. Pennsylvania statue of limitations to collect a debt is four years. Portfolio Recovery Associates started contacting us by phone and US mail sometime after the bankruptcy was dismissed. I told them our situation and the statute of limitations in Pennsylvania verbally and also have sent them a letter to cease and desist. They continued to call us and send us bill statements in the mail. We registered our telephone numbers with the Do Not Call List several years ago. Their behavior is considered harassment to us. Just recently, they also placed a collection derogatory remark on both of our credit reports without notifying us of such action. They were asked to remove the derogatory remarks from our credit reports, but they have not complied with the request. They have been asked verbally and in written communication not to contact us and that we are on the XXXX Not Call List. Portfolio Recovery Associates is a debt buyer of old debt for pennies on the dollar and then attempt to collect the full amount plus fees for debts that are past the statue of limitations for collecting. Please try to stop them from harassing us anymore and please try to get them to remove the derogatory collection comment from both our credit reports. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have banked with USAA for years and I was having issues with fraud charges recently on my checking account and I wanted to close because getting a new card was obviously not stopping the issues. 

( I recently went to the local sheriffs department and filed a report in regards to suspicious and fraudulent issues-I will attach report proof ) I opened a second account and a bunch of very strange things happened on the original account that I was planning on closing. My bank account went from having thousands of dollars in it to be - {$950.00} negative. I basically stopped using that account until I would have time to call them and figure out what happened. I was missing {$1000.00} and it was saying I was {$1000.00} negative. And the math did not add up or show in the online statement what happened. 
After speaking with USAA collections department they agreed there was something wrong and was told they were going to have the fraud department reach out to me however they never did. ( This was approx a week ago ) they closed my account yesterday and claimed it was a charge off account! the account balance was XXXX positive at the time because I just received 2 separate XXXX XXXX transactions and they put my account as into collections for {$940.00}!! 

I spoke with the fraud department. They agreed that the math didnt add up and forwarded me to an executive management where she gave me proof that my account was XXXX positive status when closed. And that the USAA had a bank system update at the time of my accounts issues a month earlier-that caused this issue of my bank account balance to be incorrect. ( I should not be able to spend or transfer money if even XXXX dollar off. I have protection to make sure I do not overdraft. If I normally try to transfer or spend money my account will deny charge and say not enough funds ) We were also able to go through the statements and see that there was almost {$900.00} in fraud at the same time. 

However the account is closed! Its also already in collections and there was nothing that she can do about that other than give me the proof to submit and Im not really sure how Im supposed to get that {$900.00} reimbursed to me! Or get this entire Account off my credit record and stop harming me. I was denied car loans because of this even though I have finances and credit this mistake ( equally usaa and fraud not due to any mistakes I made and I am tired of it effecting me after I worked so hard to build my credit!
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and previously informed your agency on XX/XX/year> about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items. 
"
Product: Mortgage

SP Servicing mismanaged my escrow account and it is {XXXX} short. SP Servicing wants {XXXX to right the escrow account. They want a 24 month cushion for the 12 month taxes and insurance, I told them I do not want a 24 month cushion and they said no. My mortgage payment has gone from {XXXX} to {XXXX}, almost double. I am XXXX XXXX XXXX and this creates a hardship. The impound ( escrow ) account does not need an extra YEAR of impounds and I do not think this is legal. To my knowledge, no one else has a 24 month impound. I thought my sXXXX XXXX XXXX was going to have a XXXX thinking about his impound doubling. My principal and interest payment to the bank is UNDER {XXXX
Product: Credit reporting or other personal consumer reports

Resurgent Receivables LLC fraudulently acquired by information without my consent, therefore committing identity theft and furnished deceptive information on my account attempting to collect a debt that was charged-off the credit issuer. Also violating my privacy. The continued reporting of this item is a violation is of FDCPA, FCRA, GLBA, and Identity Theft of with XXXX, XXXX, and XXXX and other CRAs, that publishes this fraudulent information are equal participant thereof.
Product: Credit card or prepaid card

On my Kohls credit card account, I dont get emailed statements or mailed statements from them. I This caused me to miss a payment. After my payment was missed, they never contacted me until after my payment was over 30 days late. As soon as they contacted me, I paid off the outstanding balance in full. I believe this is a XXXX issue. They reported my late payment to the credit bureaus. I asked them to remove the late payment and they declined. I filed a dispute with the credit bureau and they rejected it. I believe their report should be removed due to the lack of sending a statement and failure to contact me until after it was 30 days late. This {$34.00} bill being late caused my credit score to drop XXXX XXXXOINTS!! I have also had a Kohls credit card for years and never made a late payment before.
Product: Checking or savings account

My debit card was either lost or stolen. Someone used my debit card to buy something. Ive shut down that debit card and it can no longer be used. I was issued a new card. But the money was not returned.
Product: Debt collection

This company is attempting to collect a medical debt from a hospital. I was covered by my insurance at the time, and they continue to tell me that I owe money. Furthermore, they make harassing statements to me once a month, with things like this : " If someone owed you money and you sent them a bill, do you think you would deserve a reply? What is it going to take to get you to pay your obligations? '' The most recent correspondence was dated XX/XX/2018 - but I have been receiving messages like this for the past year, if not two. Also, the amount of the dispute is incorrect. They are adding interest and fees that are not something I am going to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint was closed because Experian responded there's is no bankruptcy listed on Experian credit report. I have accessed my consumer report multiple times and the bankruptcy has been on there for years so i do not know how they are saying its not listed i will upload some screenshots of where my consumer report has Experian reporting the account. They are falsely reporting data and have not provided any proof of the account and also did not properly validate the debt before reporting it. 
My rights has been violated a number of times 15 USC 1681s 2 ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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. I have given no written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to delete the 90 day late payments. They claim they sent me information stating my loans were due. I was in school at the time and it was less than half time. One of the supervisors stated that I responded in XX/XX/XXXX, her name was XXXX. They are adamant about I received the notices, but I have pointed out several mistake in their system. Mistake one is, after being approved for the loans to be discharged due to my XXXX and XXXX XXXX, they reported to the credit bureaus the loans were active and I owed the loans. This caused my credit score to drop 50 points. They changed the balance to XXXX, but it states the loans are transferred and not paid in full. They also stated they have sent in the corrections twice, but the ; last entry on my credit report is from XX/XX/XXXX. This is a prime example of their system is broken. If the credit bureaus did not receive the information they claim they sent, how are they so sure I received the information in XX/XX/XXXX about payments. If I would have received the payment request I would have placed them in deferment like I did in XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute certain accounts that appear in my consumer report, which is maintained by your agency. According to the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b and 15 USC 1681c-2, I believe that these accounts should not be furnished on my consumer report for the following reasons : Under 15 USC 1681b , Section ( a ) - Permissible Purpose of Consumer Reports : Subsection ( a ) states that a consumer reporting agency may furnish a consumer report under specific circumstances.

Clause ( 2 ) of this subsection allows for the disclosure of consumer information in accordance with the written instruction of the consumer to whom it relates.

I have never provided written consent to any consumer reporting agency to report the information in question on my consumer report. This constitutes a violation of my rights as a consumer.

15 USC 1681c-2 : This section of the FCRA mandates that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. 

I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter and have obtained a reference number for my case ( XXXX ). This indicates that the information in dispute may be a result of identity theft.

I am formally requesting the immediate deletion of the following accounts from my consumer report : Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Account Name : Self/Atlantic Capital XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES ; Name : XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX XXXX Date : XX/XX/2023 Name : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2023 Name : XXXX XXXX Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2023 UNAUTHORIZED ADDRESS ; XXXXXXXX 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
Product: Credit card or prepaid card

I have several store and master card / visa credit cards with Synchrony Financial. Without warning or valid reason they closed all my accounts. I have never missed a payment on any of the cards they closed. I have a good to very good credit score. Many of these balances I have paid in full every month. Not only did they close these accounts without reason, they reported them closed to the 3 major bureaus immediately. No other bank that I have credit cards with has ever done this. I called them and they could not give me a valid reason as to why they have closed my accounts since I have never missed a payment, never exceeded the credit limit or any other negative activity on any one of my cards with them.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX XXXX XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) -I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company informationXXXX  Please delete the following accounts. XXXX XXXX XXXX Balance - $ XXXX Systems Balance - $ XXXXXXXX XXXX XXXX Balance - $ XXXX XXXX Systems Balance - $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, XXXX XXXX  reported I had a late payment. They removed my account from auto pay without notice. I immediately called in and paid the {$34.00} balance as well as the remaining amount of over {$2000.00} in a good fath gesture. XXXX  updated my report and removed the late payment remark. XXXX and XXXX  refuse to assist me and remove it from their reports. I have multiple XXXX XXXX accounts and have made payments to them over the last year over {$30000.00} without being late.
Product: Credit reporting or other personal consumer reports

In a card with the fail, credit reporting act the list of companies below has violated my federal protected consumer rights to privacy and confidentiality on the XXXX XXXX XXXX account name XXXX XXXX  XXXX # XXXX account name XXXX XXXX : # XXXX account name account name XXXX XXXX  : # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and notice some things are incomplete and not accurate and according to the fair credit reporting act when every consumer reporting agency prepares a consumer report in shelf follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report release according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i5 They are supposed to do this ( 5 ) Treatment of inaccuracy Or unverifiable information ( A ) In XXXX, after any reinvestigation under a paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or Incomplete or can not be verified the consumer reporting is shall- ( i ) Probably delete that item of information from the file of the consumer, or modified that item of information, as appropriate based on the results of the reinvestigation ; ( ii ) Properly notified the furniture of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 They are supposed to not furnish any information related to a consumer to any consumer reporting agent if the person knows or has reasonable codes to believe that the information is inaccurate