23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I got a hard inquiry stating that a credit card and an account for XXXX  XXXX was opened in my name. I spent a few hours with customer support to gain access to this account. When I logged in, I saw which phone numbers were used to create the account with my information. The numbers are : ( XXXX ) XXXX and ( XXXX ) XXXX I already did a reverse lookup to see who this is and have no idea who the person is. Also what is strange is that they had the credit card ship out to my real address rather than their address. This is a very strange situation that I have never been in before but now I know that someone has my personal information including my social security number. I would have never noticed this even happened because on the account they used XXXX of my old emails, my information and my address. The only thing they put of their own was their phone numbers. I dont use that email much anymore so I didnt see the email of them creating the account. The only reason I noticed is because XXXX, Experian and XXXX notified me of a hard inquiry on my account so I looked into it.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX CARD SERVICES XXXX, XXXX - CARD SERVICE XXXX
Product: Debt collection

Portfolio put a {$9000.00}. hold on my back account, then I was given some law office to call. Called they said they transferred it somewhere else. Called them and they said they were adding more money charges. Wrote the dispute letter. Have them 30 days. I get a letter back XX/XX/year> from law office saying they transferred it back to portfolio. Now 3 months down the road. The hold increased {$1600.00}. I find out there is a judgement against me when I never was served. But was charged for processing services. That was 9 years ago. Not one word in all this time. Now Im trying to pay but with the hold on bank account XXXX dont have the money. Its all on hold plus some.
Product: Debt collection

There are XXXX collections on my credit report that I have disputed. There is inaccurate information that has stopped me from buying a house. I disputed the loan terms, ownership, monthly payment and accuracy of the accounts and the company said they were valid. I would like them removed from all XXXX bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

They set up a profile with my incorrect name and email and are refusing to fix the problem so I can get help with repayment options. I 've tried to get my payments reduced due to hardships and they never sent out correspondence paperwork I was needing.
Product: Credit card or prepaid card

I have read the CFPB website and it's my understanding on a closed credit card account with a balance. The credit card company must notify you 45 days in advance when the decide to change the interest on the balance owed. 

Im emailing today to get a solution to USAA in violation of that 45 day notice and to date no notice has been received. 

Usaa is changing my interest rate on a closed account and is not notifying me at all. Usaa is my credit card ending in XXXX. The account was closed by USAA a while back when i had covid struggles. Usaa company decided to close it not my request XXXX or XXXX. To my knowledge I have paid it continually and kept the account up at 10.9 % for years. I requested a good faith decrease in interest rate to help get caught up and was told that's not possible once its closed it was locked in. Usaa when I spoke to a repe said it will not go up nor down. Months later I get Two increases XX/XX/XXXX 11.15 % or XX/XX/XXXX 11.65 % it increased once more. I have received no notification of any kind of increase only way I can tell is the amount of interest increases on the history. I called the company a few times each time sorry nothing i can do. "
Product: Mortgage

I've been a mortgage servicing customer ( for my residential home ) of Primary Residential Mortgage, Inc. ( PRMI ) for about a year with autopay setup from my XXXXXXXX XXXX checking account. 

On XX/XX/XXXX, I went to PRMI 's website/ payment portal to switch the bank ( from XXXXXXXX XXXX to XXXX ) from which the payment was to draw ( scheduled for XX/XX/XXXX ). The website told me it was too close to the payment deadline for me to switch banks. I decided to call PRMI for help. 

The loan servicing agent told me she could help. She helped me make a payment by phone ( from XXXX ) and told me by doing this, the payment from XXXX XXXX would automatically cancel. Being completely satisfied, we ended the call. This call was recorded and has been listened to by PRMI. 

On XX/XX/XXXX, PRMI pulled payments from both XXXX XXXX and XXXX. I called PRMI, and they advised I call XXXX XXXX to issue a stop payment. I called XXXX XXXX and they told me the payment would be automatically stopped due to insufficient funds. 

The week of XX/XX/XXXX, I called PRMI to determine what had happened. PRMI stated that they listened to the phone call and admitted I was advised in the wrong. The incorrect information was that I could not change banks within 5 days of the payment being drawn. I was not informed of this on my call with PRMI on XX/XX/XXXX. PRMI told me to submit a claim for any fees that I incurred from XXXXXXXX XXXX  and they would refund me. I sent them this information by email on XX/XX/XXXX. I did not hear back. 

In early XXXX ( on my XXXX mortgage statement ), I noticed that PRMI had added a {$25.00} NSF Return Fee to my statement. I began to call PRMI at this point. 

In the past 2 weeks, I have spoken to PRMI 3-4 times ... and have had to explain my story each time. All agents agree that I was misinformed, but nobody can seem to approve the {$37.00} reimbursement nor get the {$25.00} fee taken off of my statement. I was promised a call back last Friday ( XXXX ) ... and again yesterday ( XX/XX/XXXX ), but no one called. 

I'm simply looking for my {$37.00} reimbursement for the fees from XXXX XXXX as well as the removal of the {$25.00} NSF fee from my PRMI mortgage statement. PRMI caused this situation ( by the agent giving me incorrect information when I called for help ), and should thus fix this. It's not fair that I have paid fees due to PRMI 's errors. 

Please help me.
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 u.s.c 1681.. 
Account name ... ... XXXX XXXX XXXX Account # XXXX .... Account Name... XXXX  XXXX ... Account # XXXX ... Account Name ... XXXX XXXX XXXX ... Account # XXXX Account Name ... XXXX XXXX XXXX .... Account # XXXX ... Account name.. XXXX XXXX ... Account # XXXX ... Account Name... XXXX XXXX XXXX ... Account # XXXX 
Account Name... XXXX XXXX XXXX  ... Account # XXXX... 
15 U.s.c 1681 section 602A. States I have the right to privacy...

15 u.s.c 1681 section 604A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ....

15 u.s.c 1681C ( A ) ( 5 ) section states ' No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years..

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Student loan

I've been making payments to Navient on a private student loan for the last 5 years. The balance continues going up. 

My mom who is XXXX cosigned and they will not allow her off the loan. I've been given erroneous information about allowing her off the loan. 

They have destroyed her credit and mine and I've called for answers, resolution and they will not provide any info. 

They are now harassing my mother at home by calling 15-20 times a day. 

I've fallen behind on payments and have called for assistance and I've been told I need to pay {$1800.00} and there is nothing they can or are willing to do to assist me. 

I desperately need assistance and a resolution to this. Please help. As you know Navient has multiple lawsuits pending for shady and illegal practices. I'm one of the people.
Product: Debt collection

This collection was put on my credit reports erroneously. The company was asked to validate the debt in writing and never responded .Under the FCRA all unverified accounts are to be promptly deleted.
Product: Debt collection

Portfolio Recovery Associates has failed to verify a debt in a response letter ( letter is attached ). It is alleged that I owe {$650.00} to XXXX XXXX. I don't owe {$650.00} to XXXX XXXX and Portfolio Recovery Associates has failed to verify/prove this claim. They sent some generic " validation '' letter but they didn't verify ANYTHING. They don't have any supporting documents, signatures, etc from XXXX XXXX. They bought a debt for pennies on the dollar from XXXX XXXX and is now attempting to make a profit.
Product: Bank account or service

My name is XXXX I have power of attorney for my mother XXXX. 
she is looking for account # XXXX that was opened in XX/XX/XXXX with XXXX bank, the bank was taken over by Bank of America in XXXX. We went to BOA and after a 2 day search they have no record of this. Checked NYS unclaimed accounts, nothing. 
She is XXXX XXXX XXXX and this is very upsetting to her and I we need help XXXX
Product: Credit reporting or other personal consumer reports

I had XXXX XXXX XXXX for XXXX years with a near-perfect record of payments. in XXXX I tried to log in on my phone from the app as well as the browser on my laptop and could no longer log in with my 2-party authentication using my phone number which was the same as my account. I emailed them dozens of times and called a phone number I found on XXXX where I was only met with an option to leave a message. They never responded to any of my emails and never returned any of my messages. every " your account is past due email I received, I would reply and tell them I was locked out of the payment portal and no one ever replied. Since then, they have been reporting negatively on all of my credit reports, causing me a financial burden in obtaining credit. I have still to this very day NEVER received a reply email back regarding my locked-out account, only " past due '' emails and settlement offers. I even just recently, received an email from them offering a settlement where I responded with screenshots of my dozens of emails from XXXX telling them I'm locked out and can't make a payment, needing assistance in accessing my account... and was sent a robot blanket message back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account showing on my credit report for DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXX XXXX, FL XXXX that was placed on my report and listed as opened XX/XX/18, this was actually a balance from 2 1/2 years ago that I knew nothing about and contacted the original creditor and they agreed to delete the item if I paid it. I paid in full the item was deleted. a month later the item re appeared, I disputed and contacted them and they sent me a verification letter that the item would be deleted. I sent this to each credit agency and 3 months later it is still on my report!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Late Payment Inaccuracy XXXX XXXX Account Dear CFPB, I am writing to formally dispute inaccurate information reported on my credit report regarding late payments for my XXXX XXXX  account. The account details are as follows : Account Number : XXXX Account Type : Installment ( Auto Loan ) Account Status : Open Monthly Payment : {$260.00} Date Opened : XX/XX/XXXX Balance : {$6800.00} High Credit : {$7900.00} Last Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year Payment History Discrepancy : Experian reports XXXX late payments for XX/XX/XXXX and XX/XX/XXXX, both of which are inaccurate. 
Despite my initial requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), Experian has failed to act, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Evidence of Errors and Violations FCRA Violations : Under 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The reporting of late payments without evidence is a clear violation.

According to 15 U.S.C. 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. There is no record or evidence of such notification from XXXX XXXX. 
TILA Violations : The Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) emphasizes accurate and timely disclosures. The late payment inaccuracies harm my creditworthiness. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements to avoid unfair penalties to consumers, which has not been upheld. 
Desired XXXX XXXX removal of the inaccurate late payment notations from my Experian credit report. 
Written confirmation of these corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant agencies and pursuing legal action. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always leased XXXX 's in the past but after this I do n't believe I will. I recently returned my previous XXXX XXXX lease for a new XXXX XXXX lease. The next month I had an emergency where in my parents home country of XXXX suffered a massive earthquake in XX/XX/XXXX that brought pain and destruction to many including my family. I went to XXXX once I was able to in early XX/XX/XXXX and stayed til early XX/XX/XXXX. In the mist of buying things for reconstruction, and attending so many families home that needed some form of repair, at a local hardware store someone had stole my identity and I froze my accounts just in case. 

I completely was not thinking about everything in the mist of that moment, but since i was n't in the states I said I 'll be back soon and everything will be okay. Every other company I was in debt with understood my story and did not penalize me other than XXXX XXXX XXXX XXXX. Months stamped late were XX/XX/XXXX & XX/XX/XXXX. 

As soon as I came back i paid them in full for 2 months and they decided to care about my story. I ask that this please be removed from my credit. I ca n't believe this is still haunting me, because I 'm trying to purchase a home and those late payments really effect my score. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Telecheck decline to approve a check. They do NOT answer the phone and every self-service option I try on the website goes nowhere. There is NO way for me to find out why they would not approve my checks. My credit and banking history have been perfect for many years. This is absolutely UNACCEPTABLE!
Product: Debt collection

RECEIVING TEXT MESSAGES ON THE APPLICATION " GOOGLE HANGOUTS '', REQUESTING I CALL A CERTAIN PHONE NUMBER TO DISCUSS DEBTCOLLECTION, FOR DEBT I DO NOT HAVE. CLAIMING TO BE FROM A XXXX. THEY HAVE CALLED ME AND LEFT BLANK VOICE MAILS ON THE APP. AS WELL. PHONE NUMBERS FOR SCAM ARE AS FOLLOWS ; XXXX AND XXXX.
Product: Credit card or prepaid card

Dear Sir/Madam, I am writing to file a formal complaint regarding the recent restrictions imposed on my credit card account with my Goldman Sachs XXXX Apple Card XXXX I have been facing significant challenges in using my credit card for the past couple of weeks, and I believe these restrictions are unjustified and detrimental to my financial well-being. 

I want to emphasize that I am a XXXX citizen, and these financial restrictions have caused undue stress and inconvenience to me. My XXXX XXXX  and fixed income make it essential for me to have access to my credit card to cover daily expenses, emergencies, and various other essential purchases. Unfortunately, I feel that my circumstance as an older individual may have been taken for granted, leading to the current situation. 

It is important to note that my credit card account is in excellent standing, with no outstanding balance due. I have maintained a timely payment history, and my creditworthiness should not be a factor in the restrictions that have been placed on my account.
Product: Debt collection

I was a tenant with this company about 4 years ago in XXXX. My lease ended with them on XX/XX/XXXX and no one notified me regarding a lease renewal so I was placed on a month to month. I lived in their apartment until XXXX of that same year under no lease. I contacted them and no one contacted me back. A message was left on their machine, twice. I continued to live there and the home begin to have bed bugs as well as mold. It wasn't livable. My kids and myself, we all gotten sick and had to take time off school and work. Again, I tried contacting their company with no response so I left the premises and when I left, the company charged me with over {$4000.00} fees on my credit when I attempted to contact them numerous times. I had no clue of this being on my credit until I applied for an apartment about 2 days ago XX/XX/XXXX. Again, I called today XX/XX/XXXX and left a message, no one has called me back at this time. It's about XXXX XXXX.
Product: Student loan

Texas Guarantee has been trying to collect payments for a student loan that 's not mine. For the past 2 years, they 've taken my tax return and I 've to them the loan is n't mine. They just have an electronic signature. Then I reach out to the school XXXX, asking for information because the debt is n't mine, and they forward an email between the student and a teacher. I tell the school that 's n my email and also ask them why they 're reporting XXXX loans on my name ; however, they never responded. Texas Guarantee is trying to garnish my wages if I d agree to a payment plan for a debt that 's not mine, and they 're starting on XXXX XXXX. The previous wage garnishment letter they sent me, was sent to my address, but the employer was n't even mine. There are discrepancies on a lot of things, and I was even in the country. I 've messa the school and I 've sent certified letters to TG, but have not received a response. I make little money and have a lot bills, and medical bills ; therefore, wage garnishment will put me in a very bad situation. I never received a check, and did not attend the school. This is between TG and the school.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, was never late! I have had exceptional payment history with XXXX XXXX XXXX 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 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 the 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  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: Mortgage

I contacted Bank Of America and asked them if I can split my mortgage payment into 2 payments sent in at different times during the month. They agreed. Earlier this month I sent in half my amount due, with the other half being sent next Friday. Today I got a letter from Bank of America stating that they took the funds I sent and applied it to an applied funds account, which means they do n't show me as having paid anything
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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