23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a predatory lender. Selct portfolio services. I my original mortgage was with XXXX XXXX. SPS bought the loan, where the problem is they have sold my information to realtors but I cant out right prove but they have because SPS buy loans that are in danger of foreclosure. My problems comes with the escrow part they keep bumping my payment so high to where there trying to put me in danger of losing my house .I made all the payments and they keep double the escrow saying I need a cushion but they can not send me anything in writing.
Product: Credit reporting or other personal consumer reports

Recently received alerts about inquiries on my credit report that i have no recollection of
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXXXX/XX/XXXX Account Number : XXXX Amount : {$1700.00} Date of Account : XX/XX/XXXX
Product: Bank account or service

Merrill Lynch lists an account by my name with an assigned number for me -- XXXX -- within my online " ML '' account summary/log/record but it 's never on my ML bank statements ... The suspicious thing : " account closed '' balance " XXXX '' since when? No check was ever sent to me for XXXX XXXX dollars : despite the several different [ real ] reasons why/how/when the account balance should be or was XXXX XXXX dollars [ US ]. There are no listings of transactions/activity or when it was allegedly closed. So? There has to be a legitimate inquiry -- investigation -- for ML to fully disclose. ML bought BOFA XXXX : Bank of America " BOFA '' then bought Merrill Lynch ... ML took over long standing BOFA accounts valued at greater than {$100000.00} and then those accounts were quickly reassigned to BOFA sans the funds exceeding the FDIC limit [ at that time ] and/or sans funds completely!? In my case : ML says completely XXXX And since when? ML does -- has refused -- not say. ML must return any/all actual account value to me : the real account balance fro XXXX must be disclosed to me and I must be allowed access to those funds and any interest earnings on the funds must be attributed to me for my use exclusively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. DPT ED/XXXX XXXX
Product: Credit card or prepaid card

I received notification from XXXX XXXX XXXX that a new account had been opened in XX/XX/2019. I went to to XXXX and pulled my free credit report. 
There was a new account added by XXXX XXXX for a XXXX  account with a credit limit of XXXX of which XXXX was used. 

I disputed it with XXXX but also called the company today. They said they would look into it and that could not discuss anything with me because none of my account info matched my name address etc. only my social security number. 

I asked where i could send proof that that social belongs with my name and address and was given a po box to send this to but not a department to attn the package to or even if it would do anything. 

I am buying a house in the next month and i do not need the hard inquiries and high credit usage to impact my loan. PLEASE HELP!!!!!
Product: Debt collection

I had a medical dept that because I was out of work for 1 year due to health issues that went to credit collection 's the credit collection company harassed me every single day eventually had sheriff grab my entire checking account of {$2300.00} also stole my sons account {$350.00} on a {$2400.00} judgment now they are after a {$1500.00} amount saying I still owe from this judgment this is theft plain and simple after continued attempts to get breakdown from them on interest charges and reason for the added amount they have refused to give it to me also after daily phone harassment from XXXX XXXX of credit collections bureau of XXXX XXXX after I sent included document to them all harassment quit for 2 months not one call now its started again I feel fraud is happening big time with this agency and we consumers are all tired of this continued harassment ... ... 
credit collections bureau XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, SD XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm having to re-dispute an inaccuracy on my credit report. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX notifying me of a collection for XXXX insurance in the amount of {$380.00}. I promptly mailed a certified letter to them dated XX/XX/XXXX notifying them that I was disputing the debt because I do not owe it and for them not to report the inaccurate information to any credit bureaus. I then followed up with a second certified letter to them dated XX/XX/XXXX asking them to verify the debt per the Fair Debt Collection Practices Act. I pointed out that their notice to me was supposed to contain more extensive information, such as a statement advising me of my rights under the FDCPA, including a statement that I have the right to dispute the debit within 30 days in addition to a returnable form allowing me to declare if I am disputing the debt and allowing me to select a reason for a dispute and that it must comply with federal law. 

I also noted that their letter should contain an itemized date and other information such as the acct number associated with the debt, an itemized list of any payments made, etc. Their notice did not contain any of that information. ( See their notice and my letters attached ). 

Instead of complying, XXXX immediately reported the inaccurate information to the credit bureaus Experian and Equifax around XX/XX/XXXX. I then disputed it directly with the bureaus where they returned with the result of it remaining on my credit report. In XX/XX/XXXX, AFTER reporting it to the bureaus and after I had already submitted the dispute to the bureaus, CCS began sending me letters in plain envelopes with no proof of mailing dates, no sort of stamp from the post office to show when it was actually mailed, while back dating the letter to make it look as if they responded to me within the reasonable time frame, using a date of XX/XX/XXXX on the letter. They also enclosed what appears to be a final bill from XXXX. 

I was never notified about this matter until their first letter, dated XX/XX/XXXX and wasn't given reasonable time to look into it before they placed it onto my credit report. This is fraudulent and I do not owe XXXX anything.
Product: Debt collection

Although this collection company was told this collection was due to identify theft, this company decided to change the date of when this XXXX XXXX XXXX debt will fall off of my credit report. Prior to me contacting them and putting a complaint and dispute against this agency it was reported on my credit report this collection over 6 years will fall of my record on XX/XX/year> and today it stated it will fall off on XX/XX/year> after I received an alert from XXXX stating they changed the payment date on my report. There has been no payments applied to this debt as its over XXXX XXXX XXXX. Per the FCRA this is called re-arguing a debt which is a violation. This practice is deceptive and unfair to me at this time as I explained to this company per the State of Delaware, XXXX XXXX XXXX Police Dept that I can not get a police report over XXXX XXXX XXXX as there is a statue of limitation. This company is now falsely reporting information on my credit report to keep a collection debt on my credit longer than it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT : XXXX XXXX XXXXXXXX ACCOUNT REPORTING XXXX AND TRANSUNION XXXX disputed a collection with TRANSUNION AND XXXX several times because it has FCRA violations reporting. The violations that this bureaus are making is to report this account differently on each credit bureau. If the account is the same reporting why day of las activity, date opened are different? also another violation of the FCRA is that the account is a collection account and it's still reporting as OPEN in Transunion ACCOUNT : XXXX XXXX TRANSUNION : XXXX XXXX XXXX I have disputed this account several times with the bureau and as well with the creditor. There is a lot of violations within this account. First the account number of the account reports different on Transunion and XXXX. last day of activity, amount owed, account status, creditor remark are all different reporting. Transunion states that " this account meets the FCRA requirements '' when there is clearly discrepancies on what they report. This account is a collection account and Transunion reports the account as " OPEN ''. 
I also asked for a validation letter on this account from XXXX XXXX the amount they state that is owed is {$2300.00} ( please see attached ) and the amounts reporting on the bureaus are TRANSUNION {$2200.00} and XXXX {$2300.00} ACCOUNT : XXXX XXXX XXXX  TRANSUNION XXXX On the remarks from this account states " Account information disputed by consumer, meets FCRA requirements '' when clearly this account violates the FCRA XXXX A collection shouldn't report as a " Open '' also I have try several times requesting a validation on this account and I have never received an answer. If they can validated this account the account needs to be removed Also find attached certifications from the letters sent to the bureaus
Product: Credit reporting or other personal consumer reports

Your agency 's blatant negligence has driven me to a state of severe distress and frustration. A recent investigation into my credit report unearthed a cesspool of unverifiable, invalidated, inaccurate, and questionable items, casting a dark shadow over my financial well-being and mental health.

The Fair Credit Reporting Act explicitly mandates that every entry on a credit report must be 100 % accurate.

Yet, the accounts under your jurisdiction, as highlighted in 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in direct violation of this fundamental requirement. The impact of your agency 's incompetence on my life is immeasurable. I am attaching copies of all previous communications, which outline the egregious discrepancies that demand immediate rectification. I demand swift and decisive action to correct these violations. Failure to address this matter promptly will leave me with no choice but to pursue legal avenues to enforce my rights under the Fair Credit Reporting Act. I anticipate your immediate attention and corrective action.
Product: Debt collection

This debt is well over 12 years old. I have not been able to make any form of acceptable payment arrangement. for the past 10 years. That which was offered was never acceptable or taken seriously. 
The lawsuit presented, was given now avenue to dispute. I was not able to secure legal representation to help in disputing the charges. When the garnishment order was given, no court date was provided, for to stand and give defense of statute of limitations had expired. then I was given notice of wage garnishment, which has caused great financial harm. I stand at the point of having my utilities shut off, because of the inability to pay them, because the money was taken else where.
Product: Mortgage

In reference to the previous complaint ACCOUNT INFO LOAN NUMBER : XXXX CASE NUMBER : XXXX REFERENCE : XXXX Mr. Cooper has now tried to steal the {$130.00} from me that they overpaid to HUD for PMI. 

As noted in my previous complaint, Mr. Cooper overpaid HUD by sending them a payment for PMI for XX/XX/2018 that had previously been paid by my previous mortgage company XXXX XXXX XXXX XXXX. As noted in a letter sent by Mr. Cooper on XX/XX/2018 in response to that complaint, they acknowledged that they made said error along with an erroneous payment to my insurance company. 
Fast forward to today, XX/XX/2018, and Mr. Cooper has sent me an escrow analysis claiming that I am short by {$130.00} and that I need to pay the shortage or have my monthly mortgage payment increased to cover the shortage. 

This is obvious fraud, as the shortage is caused by their taking MY money out of escrow and sending it to HUD erroneously. It is not MY responsibility to cover a shortage that they made. I paid my money correctly, they mismanaged it.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX is the third party company. Which means not only did my bank violate me under the privacy act of XX/XX/1974 and their terms and condition and which it is that they granted to me at the time of the account opening. The credit agency reported agency did as well. 
In accordance with The Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Also XXXX XXXX XXXX XXXX violated my privacy right under the privacy act of XX/XX/1974 by share my information to a non affiliated third party creditor. I have evidence to prove my case. For the F.C.R.A. As a Federally Protected Consumer. I am now opting out of any and all authorizations. I the consumer may have given you. Written, Unwritten, Verbal, Nonverbal, PER 15 USC 6802. 
I told the XXXX, XXXX, and Equifax to Reinvestigate these accounts :
Product: Debt collection

My identity was found in four different data breaches I'm assuming this is one of the many attempts and successful ones at that to steal my identity to open up loan accounts or payday loans. Please remove this debt off my record
Product: Debt collection

I received a letter from Credence in regards to a XXXXXXXX XXXX XXXX account with an amount of XXXX. This account is not mine the address on the billing receipt is not my address nor has never been my address XXXX XXXX XXXX, XXXX, Ma XXXX. 

This account has claimed to be validated I received some fake signatures that are not mine. 

This account is not mine I requested this debt be sent back to the original creditor based on inaccurate information reporting under my name and doing DAMAGES to my reputation with false claims against me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my report I noticed a credit card by the name of XXXX XXXX  with an open balance of $ XXXX reached out to the company and spoke to a rep.I stated to the rep about my finding of this unauthorized and fraudulent account. The rep stated to me the company can not do anything until a report has been submitted. The account below is the fraudulent account also an FTC report has been attached to this complaint. 

XXXX Bank XXXX account number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXXXX/XX/year> I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after reviewing a copy of my credit report. I noticed that there are some fraudulent inquiries listed on my credit report as of XX/XX/2023. I have attempted to resolve this matter with the credit reporting agency but they have been negligent in complying with my request. I have attached a copy of my ID, my social security card, and a FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 " CRA '' CONTINUE TO REPORT INCORRECT DATA VILATES FCRA PROVISIONS 604,605,607,611 AND 623..NOT MY ACCOUNTS ON FILE ... XXXX   XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX  '' ... REMOVE AND CLOSE OUTDATE OVER 7YRS, NOT MY ACCOUNTS, AND ID FRAUD
Product: Debt collection

On XX/XX/17 I sent communication to the company requesting that they validate the debt as I do n't recall having this account. Because of the possibility of this account being a product of identity theft, I asked them for a copy of the original business transaction that binds me to this debt ( Per Section 609 ( e ) of the Fair Credit Reporting Act ). 

the company proceeds to respond to me that they have verified the debt, provides a statement from the original company that explains how the charges were accumulated, however does n't show any original bind contract that I agreed to, which I am well within my rights to request. 

It is unfortunate that a company can not furnish the information requested, but is easily able to apply it to my credit report without any reasonable explanation. This has caused me time and money due to my attempts at purchasing a home with lower interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I was just logging into my XXXX XXXX on XX/XX/XXXX. It currently says my score is n/a when i last looked about 2 months ago I had a score over 700. The reason I was looking at my score was because they had mentioned some company called XXXX XXXX XXXX XXXX saying that I owe that them XXXX from XXXX. This is 100 % inaccurate information. Under the fair credit reporting act I would like to see my signature agreeing to this as any time I have ever used a rent a car there have been no problems and I've used hundreds of rent of cars over the past 4 years as am I am a XXXX XXXX  you can XXXX my name on XXXX XXXX XXXX is my XXXX XXXX. If someone can call me so that we can resolve this misunderstanding this would be great. I have been renting cars for years without any problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not lift my credit freeze. The website shows it is unfrozen, but a mortgage company is still unable to pull my credit.
Product: Credit card or prepaid card

Capitol One forces you to use your card or they will cancel the account due to inactivity. A canceled account will adversely affect credit scores. This is an emergency account held in back up should I need it.
Product: Debt collection

I just filed a few minutes ago about the same company. I didn't realize they already took payment for one of my accounts for the XXXX and another for the XXXX in the amount of {$30.00} when they already took {$110.00} out my account to catch up past due balance.
Product: Checking or savings account

I had started using a company called Flex finance in the month of XX/XX/2023, they spilt your rent in half to make payment easier. When they took money out of my checking account they would charge {$1200.00} and {$14.00}. And they would charge another {$1200.00} and {$14.00} on the same day, making it seem like a " duplicate charge '' when really it was a fraudulent charge. This occurred XXXX more times. I had contacted my bank and had reported this as a duplicate charge, instead of a fraudulent charge. 

After the investigation the bank came back, and claimed that I was liable for the unauthorized charges on my account. And it was left at that. It was not until the month of XXXX that Flex yet again took another unauthorized charge out of my account. And my bank will claim, once again that I am liable.The company in the month of XXXX didn't do XXXX transactions of the same amount ( and claim a software glitch, like in the month of XXXXwhen i had first initially contacted them ), instead they took out 1 transaction of {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry was done without my consent
Product: Mortgage

I applied for a Modification on my XXXX loan in late XXXX. I was sent a Modification package which was accepted, Notarized and returned in a timely manner. I attempted to make the payment online for the modification amount of {$2900.00} as I have made all of my payments in the past. The online system refused my payments when I attempted to make it in XXXX, after several attempts I gave up. PennyMac acknowledges my attempts to pay and now explains that it is " suggested '' to talk to a representative when making the first modification payment. This is the first modification that I have received and was unaware of Pennymac 's inner-workings, given that NONE of this suggested payment information is in writing nor included in the Modification package that was signed and Notarized. PennyMac unilaterally canceled my accepted Modification agreement and offered me an appeal, which I applied for, a month later the payment INCREASED to {$4700.00} which is very much unaffordable to me. I submitted income of approximately {$6000.00} and I have XXXX children at home. I understand that modifications are offered to make keeping my home, affordable. Unfortunately the current offer is extremely unaffordable. I have attempted several times to contact PennyMac in order to reinstate my accepted and signed Modification from XX/XX/XXXX. Each operator has a different response to my situation, yet they refuse to send anything in writing to support their decisions. I have attempted to file a complaint with them, to no avail. Please help me keep my home, with an affordable payment.
Product: Debt collection

I have maintained a flawless payment history with PORSCHE FINANCIAL SRVC, but unfortunately, due to the circumstances surrounding the family death, I inadvertently misplaced my PORSCHE FINANCIAL SRVC statement. This oversight led to a 30-day late payment report in XX/XX/2023, which is now affecting my ability to secure a new loan.
Product: Credit card

I used my card and fully paid it off, the lender will not honor the cash back that I earned spending on that credit card, but despite me paying the card off fully I received a letter that they were closing my account on XX/XX/year>. Their stated reason is payment and unusual purchase history on your credit account that Synchrony deems XXXX be indicative of future intention not to pay. So despite me paying off my card fully in time they've closed my account because they think I will not pay, I had only received the card XXXX or XXXX months prior to them closing it, and not once did I miss a payment within that time period. Applying for this credit card damaged my credit due to the inquiry and the loss of credit limit will also impact my credit since it will cause my overall credit utilization to increase.