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

On XX/XX/2023, Experian decreased my credit score by XXXX points. Logging onto the Experian website shows no negative marks or any reasons why my credit score would drop by XXXX points. I know and understand that credit scores fluctuate as I have generally seen mine move XXXX points due to when I pay my credit cards. I tried calling them everyday for the past week, but the phone number listed on their website but only rings to an automated phone system which you have to XXXX the hacks to get a human being because their automated system is nothing but the same information on their website but just takes more time. I have found 5 other phone numbers and for each one of them ring the same automated voice system. I have been able to get a hold of their member services, customer support and eventually got their disputes. Not one of them could give reasonable answers. Several suggested I would need to order their biggest online subscription and they could help then. One suggested getting a lawyer to just get answers as to why my credit score dropped XXXX points. One suggested because I pay off my credit card balances every month that my credit score can drop by XXXX points. Another one suggested that it is not their problem and hung up. I have ordered my credit reports but will take 15 days to get them. By then Experian will claim it is too late to do anything. Everything about this experience with Experian has turned into a scam of me. Do they not work for we the people of the United States?
Product: Payday loan, title loan, or personal loan

2 weeks ago I was convinced to sign a contract for a XXXX XXXX at XXXX XXXX The consultant told me about the procedure and the price for the service. She told me that the cost of the treatment will be {$3300.00} and I was like no I can't afford that and the She told me that a lending company can finance my treatment. She also told me that after I get approved of this loan, they will charge me 3 months after i get the first treatment so I was like that a good deal and so I ended up signing the contract. The next day I decided not to go through with the treatment so I went to the XXXX XXXX XXXX and canceled my booking. On the same day I also message fortiva to close my account since I'm not charged of anything. Fortiva replied and they said that my account was closed. Few days later I got a notification from my bank that my credit score dropped. So I was like I've been paying my bills on time the might have caused this. So I immediately thought of my closed account at fortiva. Just to make sure that the account was really closed I tried signing in and it worked and I saw a big fat charge of {$3300.00}! I'm shocked. So I called ideal image and told about them about the situation and they told me that they have a NO REFUND POLICY. Since I signed the contract I acknowledged this policy. So I was like okay thats fine maybe if I got a partial treatment but since I didn't get any why am I being charged and he was like well the only thing you can do is to prove that you are medically unable to do the treatment like for example you are XXXX or you have a medical condition that will not allow you. He was also like its gon na hard to get a refund and it will take a lot of time, like weeks to months. If you don't want to do the XXXX treatment then you can just call XXXX XXXX to exchange it to another service. And I was like no I don't want to get scammed again. Thats why I'm reaching out to you hoping that you can help.me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 55 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.
Product: Mortgage

With only 11 days prior to my next mortgage payment due date on XXXX XXXX, I receive a letter from HSBC, stating that my mortgage will no longer be serviced by " HSBC '' but will now be serviced by XXXX XXXX XXXX. Concerns listed below : 1 ) The letter warns that the mortgage loan number will change but it does not provide the new mortgage number. 

2 ) The letter also instructs me to make a payment via mail to XXXX XXXX XXXX by XXXX XXXX. 

3 ) The letter states that I should update my bill payment payee but my bank requires an account number and no account number is provided. 

4 ) Since a loan number is not provided how will the moneys be credited to my mortgage if I do mail in a payment to XXXX XXXX? 

5 ) The letter states that HSBC will not accept payments and if any are received they will be forwarded to XXXX through XXXX 2016. How and where will I see that the moneys have been credited in a timely fashion? 

6 ) When exactly will the new mortgage loan number be issued? 

7 ) Recently I received an escrow analyses from HSBC asking me for additional moneys to cover a shortage in my escrow account. This particular letter lists an option for paying the difference in XXXX lump sum or by having it spread over the 12 months of payments which is my preferred option. Why does my current statement bill me for an extra {$540.00} and refers to this amount of {$3000.00} as the " regular monthly payment ''? ACCORDING TO THE ESCROW ANALYSES THE REGULAR MONTHLY PAYMENT IS {$2500.00}. 

8 ) Lastly, I 'd like a current amortized statement inclusive of all payments sent to HSBC since the mortgage service changed hands to XXXX and indicating how many outstanding payments remain. 

Given the poor ratings XXXX receives on all consumer websites I am very concerned about this change. The number one complaint is that payments are not accepted because XXXX does not recognize the account numbers. 

What are my options and why is this change taking place without sufficient notice? Eleven days for a change of this magnitude is not sufficient time. Frankly the suddenness of this whole change is rather predatory. 

I requested from HSBC to revise the regular monthly payment to what was shown on the escrow analyses in the amount of {$2500.00} rather than the {$3000.00} shown on the XXXX XXXX statement which is incorrect. 

I spoke an HSBC representative who assured me the payments would be adjusted but I have not received a new statement to reflect this and I also have not received the letter from Nationstar informing me of the new account number.
Product: Money transfer, virtual currency, or money service

PNC bank has placed a block on my cash app account that has my XXXX dollars in my cash app card unable to transfer into my accountXX/XX/2020
Product: Mortgage

Rushmore Servicing is engaging in illegal accounting practices. Since XX/XX/XXXX to XX/XX/XXXX, I have paid, {$24000.00}. XXXX month they say XXXX amount is due and if i pay it, I am current and then the next month they add additional amounts causing me to default right over again. I am on the verge of a nervous breakdown, this is creating health issues from all the stress. I stopped paying on my other bills to pay my house and it is a never ending bill with Rushmore, this can't continue. I pay XXXX statement and then another statement comes back higher, IT IS GETTING WORSE, Rushmore Servicing took over my loan in XXXX of XXXX. At the very least, this should have all been figured out and calculated by XX/XX/XXXX, but every month since XX/XX/XXXX, they seem to find a pocket here and there to bill me from. Who in XXXX 's name would live like this, what kind of business would do business like this? They said pay {$7700.00} this month of XX/XX/XXXX and its current and now today, its pay the next invoice in XX/XX/XXXX which is now {$4000.00} more. I can't believe or trust anyone at Rushmore based on all these statements and the payments I have made. I have asked Rushmore to retain all emails, voicemails, and documents preserved for future reference from XX/XX/XXXX. The Rushmore Servicing Bankruptcy Department has taken funds from my escrow and applied them to payments, they have not told me where or why this did this. This illegal process was done after I made several calls to Rushmore Servicing not to touch my escrow. Rushmore Servicing is engaging in negligent accounting practices and tampering with my escrow against my wishes. At this point, this is nothing more than negligence, it is Rushmore 's willful and wanton conduct, that is killing me. I have elected to make this compliant public in hopes that someone experiencing the same situation can provide some information on how to resolve this issue once and for all. 

The attached statements total, {$21000.00} I am being billed from XX/XX/XXXX to XX/XX/XXXX, the statements climb and fall. What kind of accounting is this, where you continue to add back payments month to month from months ago? Please see attached billing statements from XXXX to now XXXX and a partial correspondence with XXXX XXXX at Mr. Cooper.
Product: Debt collection

I 've ask the collector not to call my work number. 
The XXXX XXXX collection still continues to call me at my place of work.
Product: Mortgage

I received a check in the amount of {$760.00} from Shellpoint, I deposited it into my checking account and the funds became available and I spent them. I had automatic withdrawals coming out of my account and I paid other bills because funds were available. Couple days later the money was withdrawn from my account. I had funds of {$760.00} and. {$160.00} withdrawn from my account, her the account they were withdrawn from as my XXXX checking account. I called XXXX and they told me that Shellpoint mortgaging took the funds away. I called Shellpoint and they told me the check was sent in error and they tried to cancel the check before they sent it, but it was a mistake. I told them that I deposit the check because it was sent to me from my escrow. I had just filled out a no modification so I figured the check was in relation to that and was rightfully mine. The fact that they made an error and are having me pay for itwhen I had funds coming out of my checking account is something they need to rectify. This is their responsibility to fix their error. It is not mine. I did send an urgent email to loan servicing two weeks ago, filing a claim/notifying them that this is an issue and they would need to address it. The woman today told me that. It would take two days approximately for them to respond once they receive it. I notified her that it had been two weeks already and I have not heard anything back from them. When I called her to speak about this, she could not find the email or any of my contact messages, until I asked her why I have not heard back. I know Im not to let things go unhandled with this company because they miss handled my loan modification for a different loan and a different mortgage and upon me declining the terms ( which were absolutely ridiculous ) they pushed me straight into foreclosure. I had to pay {$4000.00} to get myself out of that mess, so {$760.00} is something that I of course welcomed and used immediately to pay bills.
Product: Checking or savings account

I wrote a {$200.00} check on my XXXX XXXX account for deposit in my XXXX XXXX XXXX   checking account. I received notice today from the XXXX XXXX XXXX that it was charging me {$20.00} because I had placed a stop payment on said check. This charge is excessive, unethical, and poor business practice. And unfair as there are excellent reasons for placing a stop on a check. I refuse to pay the said {$20.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. 
XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX LA XXXX. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX please delete all other variations of my name. I am no longer affiliated with these addresses I would like to have my credit report to reflect true up to date that is accurate information. My current address is XXXX XXXX XXXX XXXX XXXX LA XXXX.
Product: Checking or savings account

It on XX/XX/year> it called wells Fargo and I had my ssi check going there
Product: Checking or savings account

I had an investment in an IRA fund that went out of business. The company sent me a check. I opened an account with Citizens Bank {$34000.00}. The rate was to low so I decided to move that money to another IRA account with better rates. Citizens Bank DID not advise me that funds could not be moved twice in a year with out a government penalty. I was issued a XXXX. I called Citizens to try to resolve the problem.. Citizens bank claimed I told the bank manager I was using the fund for home improvements. Just a made up lie. I put the money in another IRA account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report that are not mine I have been disputing these accounts for a couple of months and I have not gotten any response back from the bureaus regarding this disputes. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$6.00} Late/Open XXXX XXXXXXXX Date Opened : XX/XX/year> Balance : {$0.00} Late/Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this request for the following reasons : 1. I have not received a response regarding the incorrect information on my credit report from the credit reporting agencies in many, many months ...

2. There are late payments on my credit report but I was never late on these accounts 3. There is incorrect or old information on my credit report that should not be there ... 
I have properly notified XXXX, XXXX  and Equifax regarding these issues multiple times, however, the incorrect information is still showing up and I don't know what else to do at this point. I am not receiving any information ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was approached by a person I did not know and forced to deposit fraudulent checks totalling {$980.00} into my bank account. I was then forced to withdraw {$980.00} in cash. 

The same day, I called Bank of America to inform them of the fraud and theft, filed a police report, submitted an FTC report, and began the process of submitting a claim through Bank of America. The claim was closed on XX/XX/2022 and was not resolved in my favor as footage shows me making the deposit and withdrawing the money myself. 

However, as my police report and FTC report indicate, I did not do this willingly. I was threatened with XXXX and cornered in a small space alone with a person I did not know.
Product: Credit reporting

I have received my results from experian in which they claim my personal wrong information has been deletes but in reality all wrong personal information is showing and affecting my credibility with financial companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the fraudulent information being reported on my credit report, I am making this CFPB complaint to the credit bureaux today. On XX/XX/XXXX, I sent a letter to the credit bureaux asking them to delete the accounts, personal information, and inquiries that are wholly UNKNOWN to me. I found this law today, and it states that the Credit Bureaus must delete all accounts and information after XX/XX/XXXX, not later than XXXX business days, in accordance with FCRA 605B ( 15 U.S.C. 1681XXXX ). This has already been mentioned in my earlier complaints ( # XXXX, # XXXX, and # XXXX ), and I'm including it again. I am requesting that the credit bureaux totally erase the following entries from my credit report in accordance with the provisions of FCRA XXXX XXXX : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$230.00} XXXX  XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX  XXXX XXXX XXXX XXXX Owed : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} REC XXXX XXXX XXXX Balance XXXX XXXX {$15000.00} REC XXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX  XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX  XXXX Balance Owed : {$720.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX XXXX XXXX Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$350.00} XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} 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: Debt collection

I got a notice in the mail regarding a debt owed from my apartment lease that I broke in Florida. They called me to pay the debt, I said I couldnt come up with the {$2200.00} they were requiring but I could make payment arrangements bi weekly to ensure I am trying to pay the collection. They told me they wouldnt work with me and that they needed it all at once. The representative repeatedly talked down to me and kept asking me to borrow money from a family member, take out a loan, or put in on a credit line. I offered {$170.00} bi weekly ( totaling $ XXXX ) to start, they said no. From then, I had made a few payments totaling around {$500.00} because they kept calling me. On XX/XX/XXXX, I offered them {$1200.00} for a settlement, he declined. He said the most they could take it down to was {$1500.00} but it would still affect my credit for 5-7 years, but that if I paid the total amounting in {$1700.00} he would clear it off my credit. On XX/XX/2023, the same representative ( XXXX XXXX ) called me and asked to once again clear the debt. I told him that I dont have that amount to give him and he asked well what happened to the {$1200.00} you were willing to pay before? What happened to the bi weekly payments you were going to guarantee us? You need to ask a family member to resolve this. I asked if he was calling to lecture me or assist me in setting up payments and his reply was ok XXXX I am going to put you down as a refusal to pay, bye.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.