23daVinci/CFPB_Complaints huggingface dataset:
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 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

Requested the total payoff from 21st Mortgage. They sent it and said it was good through XX/XX/XXXX. I sent payment through a lawyer on XXXX. Then 21st says their quote was wrong and didn't include taxes and insurance for the property. They said their system didn't calclate it. We said that was their fault, and they rudly said it was our problem. I sold the property to my fiance and now he can't take ownership despite paying them what they originally said I owed. They said not only will they not give me back my Escrow, but I owe them even more money. They said I had to call the insurance company and get their money back or they wouldn't let my Fiance take ownership. I can not think of a better example of extortion.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of a fraudulent bankruptcy record listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have this fraudulent record removed. 
The bankruptcy record in question is as follows : Type : XXXX  XXXX Bankruptcy Case Number : XXXX Filing Date : XX/XX/year> Amount : {$0.00}
Product: Mortgage

My loan was transferred to PHH Mortgage from Ocwen,  in XX/XX/2019. 

Before the transfer of my loan, I was granted a repayment plan by Ocwen, due to the death of my husband, because I was approximately 2 to 3 months delinquent. 

I made numerous payments to PHH Mortgage, and they have refunded the payments back to me. ( Each Representative at PHH Mortgage has told me that there is no record of any payments made by me since XX/XX/2019 ). 

Im also not allowed to use the funds currently in my Escrow Account. Because the payments are being returned Im now 6 months delinquent. Because the payments were not accepted, they place a Notice if Intent on my account. 

I have contacted PHH Mortgage many, many times for a repayment plan and have been told that I qualify for a repayment plan, however, due to the status of my account, I have to make a payment over {$5300.00} dollars in order to receive a repayment plan. Thats paying the delinquency in full, therefore, is not a Repayment Plan. 

Normally their repayment plan consist of making one payment, then making an additional payment with your monthly payment until youre caught up. 

I was not informed or notified by PHH that my Payment Plan Agreement was null and void once my loan was transferred to them. 

I can make my monthly payments, it was a devastating life event that caused me to become delinquent. My situation is temporary, not long term. 

Im asking for a reasonable payment plan to stop the delinquency and Notice of Intent.
Product: Credit reporting or other personal consumer reports

I have recently sent a request for a procedural investigation and Experian has failed to comply with the request that was made. I still have inaccurate information on my credit report and the information is incomplete. I am requesting that the CFPB take a further investigation into this matter. The regulation clearly states, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. This is not the case with Experian there has not been any reasonable procedures conducted in investing this matter and I would like to have this account deleted from my credit report effective immediately. I have attached all evidence that prove my concerns. PLEASE SEE ALL ATTACHED DOCUMENTS.
Product: Mortgage

I have an escrow account set up with my mortage company..My real estate taxes was due XX/XX/2019My mortage company stop payment to them but still collected my money..I have enough in the escrow account to pay my real estate taxes but they refused to send payment out. There has been some penalty added after XXXX XXXX XXXX..
Product: Credit card

UPDATE TO CLAIM # -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - DISCOVER has discriminated against me by denying a RIGHT TO CREDIT. Under 15 USC 1602 Credit is defined as the RIGHT GRANTED. Notice it is a fact I XXXX XXXX am the Natural Person and ORIGINAL CREDITOR as defined under ECOA 15 USC 1691a. Notice it is a fact my social is a credit card as defined under 15 USC 1602 for the sole purpose of extending credit. Notice it is a fact I entered into a CONSUMER CREDIT TRANSACTION WITH DISCOVER where DISCOVER ACQUIRED MY SOCIAL and CONDUCTED A FINANCE CHARGE WHERE THE SUM OF ALL CHARGES WAS CREATED MEANING, THEY GAINED MONEY IN THE TRANSACTION WHERE I HAVE NOT RECEIVED ANY BENEFIT. Notice it is a fact DISCOVER has acquired my social aka credit card which is for the sole purpose of extending credit as a RIGHT as defined 15 USC 1691a has acquired funds but has committed ADVERSE ACTION against me denying me a right and denying me credit causing me to suffer and experience harm and has discouraged me from extending further credit. DISCOVER instead of taking this matter seriously with utmost regard to the facts stated they instead continue to violate me and deny me a right and even INSULT ME in telling the follow the XXXX perfectly but yet disregard where it states it shall be unlawful to discriminate against a consumer for the reason they have exercised a right and also stating they will ignore further responses. Notice it is a fact I have exercised a RIGHT TO CREDIT and have IN FACT been DENIED and ABUSED, DISCRIMINATED BY DISCOVER. Notice it is a fact DISCOVER is now in direct violation under 15 USC 1644. IF THIS MATTER IS NOT TAKEN SERIOUSLY AND DISCOVER AMENDS FOR ITS HARM AND ABBUSE SINCE THEY HAVE ACQUIRED MY CREDIT CARD IN EXCHANGE FOR MONEY VIA A FINANCE CHARGE AND GIVEN ME NO BENEFIT.THIS MATTER SHALL ESCALTE. DISCOVER HAS IN FACT ACQUIRED INCOME IN THIS CONSUMER CREDIT TRANSACTION AND APPEARS IT DOES NOT WISH TO PAY INTEREST ON A FINANCE CHARGE AS REQUIRED UNDER THE FEDERAL RESERVE XXXX AVOIDING TAXES AND HAS NOT RETUNRED TO ME THE NEGOTIABLE INSTRUMENT AKA APPLICATION I WILL BE FORCED TO FILE A IRS FORM XXXX AND IRS FORM XXXX AGAINST DISCOVER. I HOPE THIS MATTER CAN BE SETTLED QUICKLY AND SWIFTLY SO BOTH PARTIES MAY MOVE ON..
Product: Checking or savings account

I called my bank ( TD-Bank ) and notified three charges on my account where not authorized for XXXX. A complaint was made and denied by XXXX XXXX XXXX. They contend they have done business with me in the past and these are correct charges. The Bank Manager recommended to have frozen my account for my business to stop automatic withdrawals form XXXX XXXX XXXX. There have been 5 attempts to date to debit my account for a total of XXXX. I have contacted XXXX XXXX their case # is XXXX to resolve this issue. I have never done business with this company. All of our purchase for fuel is by credit card only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX CT XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$26000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1800.00} ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the misleading information on these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX $ XXXX. XXXX XXXX XXXX experienced a significant data breach in XXXX XXXX XXXX XXXXXX/XX/year>, it was reported that hackers had stolen the personal information of about XXXX XXXX XXXX XXXX XXXX customers, including myself. The stolen data included names, phone numbers, physical addresses, Social Security numbers, and dates of births. 
I want these items deleted from my credit file. 

XXXX XXXX XXXX XXXX Blaze XXXX As an affected customer, I am deeply concerned about the potential misuse of my personal information, including my name, phone number, physical address, Social Security number, and date of birth. 

The exposure of such sensitive data put me at risk of identity theft, fraud, and other malicious activities. I am requesting the following actions to mitigate the potential impact of this breach : Credit Monitoring and Identity Theft Protection : I request that AT & T provide complimentary credit monitoring services and identity theft protection for a minimum of XXXX years. This should include regular credit reports, alerts for suspicious activity, and access to identity restoration services if needed. 
Assurance of Enhanced Security Measures : I would like a detailed explanation of the steps XXXX XXXX XXXX is taking to enhance its security measures to prevent future data breaches. This should include information on improved data encryption, access controls, and employee training. 
Compensation for Any Losses : In the event that I suffer any financial losses or damages as a result of this data breach, I request that XXXX XXXX XXXX provide fair compensation to cover these losses. This includes reimbursement for any expenses incurred due to the breach, such as costs associated with credit monitoring and legal fees. 

Please acknowledge receipt of this letter and provide a response outlining the steps XXXX XXXX XXXX will take to address my concerns. I trust that XXXX XXXX XXXX values its customers privacy and will take the necessary actions to resolve this matter promptly and satisfactorily. 

Thank you for your immediate attention to this serious issue. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see page 14 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, XXXX and Transunion have not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

The company is aware of my dispute yet has not updated on my credit report that the account is disputed which is a direct violation of the FCRA. They also can not provide me verification of debt as I have requested. My social is XXXX date of birth XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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, 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: Debt collection

Dear CFPB, Please find my complaint against XXXX XXXX for deceptive business practices. I submitted my Complaint regarding home owners insurance policy which was paid by some Third Party Payment Services who acted on behalf of some Mortgage Company. 

The amount of payment was not matching my " escrow records '' prepared by XXXX XXXX XXXX XXXX This payment lacked ANY information who is Third Party Payment Services and why they have access to my escrow account.

I asked XXXX XXXX XXXX agent, XXXX XXXX, to disclose corporate identity of Third Party Payment Services ; their contact information and the name of the agent who sent this payment on behalf of some " mortgage Company ''. 

But I received an electronically signed letter from purportedly XXXX 's employee XXXX XXXX, without a last name, without any contact information, no address, no phone - who informed me that everything was done by some system who does all adjustments and who automatically sends payments. ( and letters as well ) XXXX XXXX did not answered my questions re Third Party Payment Service corporate identity and referred me back to you if I have further questions- which I do. 

I still waiting for XXXX XXXX to provide me information who is this Third Party Payment Services company and that is their corporate name, contact information ( address, phone number, email ) and the name of their agent who sent this payment. 

XXXX XXXX said that the payment was made by my faux " mortgagee '' PennyMac. 

This is not true. The payment came from som

e Third Party Payment Services who was acting on behalf of some Mortgage Company. No references to PennyMac at all. I clearly asked many times why this payment was made by some Third Party and for
corporate identity and contact information for this party. 

Now I have a robo-signer XXXX XXXX I am not sure if this is her real name since anyone can put electronic signature on the letter which is coming from nowhere. ( po box is not the address, this is a box at the local post office where somebody who does not want to be recognized picks up mail ) who tried to mislead me about who made the payments - while conceal from me her own information. 

So, I ask XXXX XXXX again, please provide me corporate identity for Third Party Company who made the payment, their contact formation, their phone number and email and the name of their agent who was authorized by PennyMac ( or someone else ) to make this payments Please provide me full name for XXXX XXXX employee XXXX XXXX, and her real address and phone number, so I can stop by at her office and talk about this matter in person. 

Best regards XXXX XXXX
Product: Debt collection

On XX/XX/2018, I received notice from Chase bank that a home equity loan I was sure I had paid off three years early had XXXX balance. To my surprise, chase notified me that I owed {$140.00} due to the interest that had compounded. I disputed the charge and informed them that I called to check the pay off and that they had never sent a bill prior to the notice. My credit score was above 800 during this time. After I disputed the bill, they sent several negative reports to XXXX which dropped my score to XXXX. 

This is the second experience I have had with Chase and this practice. I have since given in to paying the debt and closing the account, but I feel that they have retaliated against me for questioning why I did not receive a bill in three years.

The million dollar question is, why did I receive a negative report after carrying a " three year balance '' and a negative report was sent only after I disputed? 

respectfully, XXXX
Product: Debt collection

Discover called me to collect on my brothers credit card debt again today at XXXX XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX @ XXXX. I reached out to the company to inform that I had lost my job due to COVID-19 XX/XX/2021. I wanted to be proactive before my payments were late. I explained I had been doing XXXX XXXX  and XXXX  until I found another position and unfortunately had to max out my credit cards to stay afloat. I informed I had found a position but won't get my full paycheck until after XX/XX/XXXX and asked for the payment to be pushed to XXXX. The first representative was extremely rude and lacked empathy. She offered a repayment plan which would have cost me more interest instead of the extension. I have never been late on my payments even when I lost my job I still made sure my navy federal debit was taken care of but with my wife the only one working we are starting to lose footing and I turned for help but the representative treated me as I was asking for too much by skipping two months. I requested a supervisor so that I would not be rude which was a dead end as the supervisor hung up on me. When I called back he then refused my call stating he was in a meeting. The 2nd representative was a little more empathetic and gave me an extension until XX/XX/XXXX but that still doesn't help my situation just puts me in a more stressful one since every XXXX  I make will be put on the debt and I will be without money until the end of the month. This is not how I envisioned being a member and needing help. It was already a struggle to go from making XXXX per year for something out of your control to driving XXXX  and XXXX  just to stay afloat. And to be treated that way is disheartening when I wasn't in collections.
Product: Debt collection

NCB Management Service {$590.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$970.00} XXXX $ {$1200.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$6000.00} I have no knowledge doing business or signing any contracts with the creditors listed. I have never been provided with any signed contracts or payment history from the creditor 's listed.
Product: Credit reporting or other personal consumer reports

I am a victim of fraud and someone used my personal information to attempt to collect credit or credit products in my name. Those inquiries consist of : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX