23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

i was sold from XXXX to carrington mortgage in XX/XX/XXXX. i have yet to get a statement from carrington, I ave been calling since XX/XX/XXXX or XX/XX/2016, I have been promised each time this would happen, all i got was a letter about my escrow that did n't make sense. I have made two payments now and they did not apply my payment as requested.some goes into pad my escow. today i called to find they are mailing me a XXXX check out of my escrow which will not make me short for my house insurance in XX/XX/XXXX. They are incompetent. they do this so they can increase you house payments. I googled this mortgage company and could not believe the complaints of how badly they handle concerns. I have called at least 10 times with no results even XXXX 's escalation dept called them and they never called her back. i want a new mortgage company with competent people. i want a monthly statement showing me what i paid and how it is applied. i want to be able to designate how my extra is applied to my escrow. i do not want higher house payments and they is what they are trying to do, and all the complaints i found stated.
Product: Debt collection

NOTIFIED OF LOAN IN DEFAULT VIA US MAIL BY SCRATCH SERVICES LLC Loan for XXXX funds under a XXXX number that is not ours Business name similar but not correct
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX are FURNISHING LATE TRANSACTIONS on my consumer report and I DEMAND that you exclude the following transactions from my consumer report immediately on the basis of 15 USC 1681a Definitions ; Rules of Construction ( 2 ) EXCLUSIONS-CONSUMER REPORT DOES NOT INCLUDE ( A ) ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the consumer and the person making the report. I will be collections {$1000.00} per violation on my consumer report per 15 USC 1681n-Civil Liability for Willful Noncompliance if these transactions are not immediately removed! 


I have uploaded my DL for proof of identity ( address will be changed asap ) AND A COPY OF MY LEASE for proof of address so you can STOP stalling by asking for information that I had already sent on multiple disputes via certified mail, which I have proof of!
Product: Credit reporting or other personal consumer reports

This account has been getting reported as delinquent for XXXX years and Discover continues to validate the account with contradicting documentation. 
I have attached XXXX letters by Discover, XXXX where it says the balance on the account after the closing date was {$0.00} because a security was applied, and XXXX saying that the debt was cancelled. Yet this account is still being reported as delinquent. 

I have submitted complaints about Discover multiple times throughout the years, yet nothing has been done.
Product: Credit card or prepaid card

I am having a problem with mixed information that I see in my statements, which I click on and statements shown are not even for the correct dates that I click on. For Instance... I click on XX/XX/2023 and a row of statements downloads showing XXXX. On every date I click on this happens. I have had late payments with this company, and I have called many times about information needed about use off the card. The interest is sky high, and I can never get a call back, an email, nothing. I wanted to know if I can not use the card because it is declined. I am ok with this, as I just want to pay it down and leave it alone. My available balances have decreased even though I can not use the cards. I have XXXX cards with Upgrade and I have not used them in over a year. I had XXXX available a m month ago, and now it says XXXX. And I can not see why because the statements I click on do not show up. I feel this is very shady, and I do not have money to keep sending if this is how it is going to go. It is a never ending nightmare with this company. I need assistance please.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  XXXX 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
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 Balance : {$5300.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to formally dispute Citi Banks repeated and unwarranted reductions to my credit limit, which have caused severe harm to my creditworthiness. Below is a summary of the issue : XXXX. * * Background * * : - - I have XXXX credit cards with Citi Bank with great history, Citi Bank began reducing my credit limit * * every time I made a payment * * on my account, despite consistent on-time payments. For example : - On XXXX ], I paid {$500.00} ]. My limit was reduced from {$7000.00} to {$5000.00} - Next time I paid {$300.00} ]. My limit was reduced again to {$3700.00} - These actions have forced my credit utilization ratio to 100 %, severely damaging my credit score- And I have XXXX other Banks credit card, they all see thats only Citi Bank have 100 % usage and its hurting my credit score with all my other banks.

2. * * Unfair Practices * * : - Citi Bank has not provided a valid explanation for the reductions, which appear retaliatory or discriminatory. 
- Lowering my limit immediately after payments contradicts responsible credit behavior and violates the spirit of fair lending practices under the * * Fair Credit Reporting Act ( FCRA ) * * and * * Consumer Financial Protection Act * *. 
- The 100 % utilization caused by these reductions has directly harmed my credit score, impacting my ability to secure loans, housing, or other financial services. 

XXXX. * * Attempts to Resolve * * : - In XXXX and in XXXX I contacted Citi Banks customer service and credit department multiple times. Representatives refused to reverse the decreases or explain the reasoning. 


4. * * Requested Resolution * * : - Restore my original credit limit ( s ) and halt further unwarranted decreases. 

- Provide a written explanation for the reductions and assurance of compliance with fair lending laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware of a ding on my credit report while filling out paperwork to refi my home. XXXX XXXX turned me over to Sequium Collection Agency for {$1100.00} in unpaid charges. Account under same name, XXXX XXXX but living in XXXX XXXX, NV. I have never lived in XXXX XXXX but have lived at XXXX XXXX XXXX, XXXX XXXX, CA for 30+ years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my report. Please look into this matter and have this account removed from my credit files
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know how this address appears on my report never lived at this address
Product: Credit card

I am writing regarding the recent notice I received from my credit card company, CITI, requiring me to agree to receive statements and legal notices electronically in order to maintain digital access to my account. I believe this policy may be illegal for the following reasons : CITI 's policy requiring consent to paperless statements or else face denial of access to my account information appears to contradict consumer protections under ESIGN, TILA, and the FCBA. I urge you to look into this matter to ensure companies are not unlawfully coercing consumers into electronic contracts. Please let me know if I can provide any additional information. Thank you for your time and attention.
Product: Credit reporting

REFERENCE TO COMPLAIN CASE NUMBER XXXX ATTACHED A COPY MY UTILITY BILL TO PROVE THAT THE ACCOUNT DOES NOT BELONG TO MEDear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX XXXX XXXX, Second, They have to explain which address I was living when I acquired this debt. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay debt in the sum of {$45.00}. The debt I did not own, the debt that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00}. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND TRANSUNION REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and XXXX reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number Transunion and XXXX kept saying the investigation stated that the account was mine. 
THIS DEBT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT
Product: Debt collection

U.s.c 1296 c ( c ) I want this collection removed off my credit report from spring oaks capital LLC also XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX, XXXX AND TRANSUNION. These companies have repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, these bureaus have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit card or prepaid card

Opened Capital One Transaction Dispute Claim Case # XXXX Amount : {$190.00} Merchant : XXXX XXXX XXXX XXXX ticket on XXXX ( XXXX ) ; at this moment all requirements by XXXX granted entrance to XXXX XXXX Omicron Variant showed Up and XXXX changed policy, XXXX NEVER sent me notifications of this changes even when it can affect the right to fly. 
My father was fully vaccinated and still was cancelled his flight due to one out the three vaccines was not accepted by XXXX. 
Again when ticket was bought that requirement was NOT in place. 

Is not a right of customer to get notified of any changes related to the right of flight when these changes happened between date of buy and date of departure? 

Service ( fly ) was not provided. 
In addition merchant REFUSED to move the date further even when I called 2 weeks in advance to another date or give any partial refund/credits or anything. 

XXXX ( merchant ) also denied to provide any document related to the cancellation. 

CapitalOne was explained several times in details what happened, I submitted all forms required in time. 

CapitalOne said document " Proof of Cancellation " needed ; but merchant refused to give me one. Without that document CapitalOne denied the claim. 

CapitalOne admitted they didn't contact the merchant for clarification of this customer abuse. They simply asked for a document impossible to me to send and closed the claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian, XXXX XXXX XXXX  has VIOLATED my right to privacy again by sending mail that explicitly advertised that the communication is for debt collection which caused me embarrassment and XXXX. Pursuant to 15 usc 1681f ( 8 ) which states : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 

This a direct violation of the federal law. The envelope clearly states GET OUT NOW EVICTIONS, which has caused extreme embarrassment! Please see attached evidence and please remove account immediately.
Product: Debt collection

Carter Young is a debt collection agency that has an account under my name in collections. The debt is not mine, it belongs to my mother. The apartment was given to me as a gift and it was agreed upon that she would pay the rent for it. One day, she decided to stop paying the rent and now all of a sudden I have this debt in my name. I tried to reach out to the debt collection agency to see if we could find a solution to this problem or at least have the debt removed from my credit and was offered no type of help. The manager, Mr. XXXX told me that my mother was seeking legal counseling about the matter, which I had no knowledge of. I tried to explain to him that the debt was not mine and all he was concerned about was if my age at the time and if I had spoken to my mother about it. Like I said, the apartment was a GIFT to me for graduating and now I have to suffer because my mother agreed to pay for the apartment and stopped doing so. XXXX XXXX is a very unprofessional business, they offered me no help and was rude to me when I tried to ask for it. They have no professional mannerisms at all and seem as if they dont want people to pay off their debts. They are okay with no finding a solution for situations when asked for help. Since the moment they have added me to collections, not once have they EVER tried to call or reach out concerning this debt. For the past two years I have never heard from these people!!! And when I call to try to come to a solution they completely turn me away, hang up in my face or transfer me to phone lines that are out of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tax Liens that were satisfied in a Chapter XXXX several years ago keep appearing as derogatory information on my Credit Bureau Reports. The IRS ruled that I was not responsible for tax debt incurred by my ex- wife, XXXX XXXX ( XX/XX/1970, ) and awarded me INNOCENT SPOUSE Status as a result of their investigation. Please remove these last remnants of my ex- wife 's malfeasance from my Credit Bureau reports. Thank you.
Product: Payday loan, title loan, or personal loan

i took a loan out with XXXX XXXX XXXX XXXX in the amount XXXX dollars at that time i did ask the person about the rate and got a half answer, after i got the loan i then looked at the agreement and noticed i would be paying XXXX for XXXX XXXX i do have the electronic agreement saved. 
l feel that I am being charged an exceedingly high interest rate for a {$500.00} loan. I have taken loans out in the past and have never been charged an unusually high interest rate as this. I have been making monthly payments twice a month in the amount of {$140.00}. Payments fromXXXX XX/XX/XXXX thru XX/XX/XXXX.
Product: Debt collection

central credit services and XXXX credit systems continually call up to XXXX times a day stsrting before XXXX for someone that does not live at my telephone #. I am a senior citizen, they are harrassing me and refuse to stop contacting me. 
collector calls : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Mortgage

We applied Home Equity Line of Credit with US Bank. Although they approved the loan, they enforced to withdraw from the line to pay off credit cards balance on the credit report and a auto lease account. We 've been arguing a lease is not a loan which has no interest. By withdrawing the fund from HELOC to pay a lease account, it actually increasing our payment w/ un-necessary interest and US Bank is the one earning the interest! As credit cards, by the time they approved, most of the credit cards have {$0.00} or less balance but US Bank still enforced to pay them and asked us to wait for credit card company refund us! And the worst, we can not figure out XXXX of XXXX accounts which believe they do n't belong to us. I asked them to hold that XXXX checks so I can pull the credit report to investigate! US Bank just said they ca n't hold the checks and need to mail out! What happened if these XXXX accounts are truly not belong to us? We have to pay for someone 's accounts? They can hold these funds in bank until further investigation before paying but bank do n't care about consumers problem because it shown in my credit report! ( we did n't know these XXXX account # until they 're ready to mail the checks out ) We agree to pay the interest of what we actually borrow but not on these unfair transactions with troubles! We signed to accept the terms are not because we agree, just because we need the funds ; but banks do n't consider consumers rights and conditions, only claims their own policy/regulation to enforced consumer to accept!
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information Please correct the items below : XX/XX/XXXX
Product: Debt collection

i have submitted an identity theft dispute with XXXX for an account was charged on my credit without my knowledgeXXXX XXXX report says the information was correct, without providing any information regarding who the would-be identity thief is
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked my credit via credit monitoring website to apply for a credit card and became aware of multiple credit accounts that were opened in my name, fraudulently without my permission. 
I spoke with the 3 major credit bureaus whom advised me to file an identity theft report. 
List of accounts opened fraudulently are as follows. 
XXXX XXXX XXXX XXXX account # XXXX - {$5600.00} XXXX. XXXX XXXX bank XXXX account # XXXX - {$0.00} XXXX. XXXX XXXX account # XXXX - {$0.00} XXXX. XXXX account # XXXX - {$240.00} XXXX. XXXX account # XXXX - {$3100.00} XXXX. XXXX XXXX XXXX account # XXXX - {$16.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) account # XXXX - {$240.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) account # XXXX - {$120.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) account # XXXX - {$130.00} XXXX. ( XXXX XXXX : XXXX XXXX ) account # XXXX - {$130.00} XXXX. XXXX XXXX account # XXXX - {$170.00} XXXX. ( XXXX XXXX : XXXX XXXX ) account # XXXX - {$130.00} XXXXXXXX XXXX account # XXXX - {$0.00} Unauthorized Credit Inquiries : I also dispute the following unauthorized credit inquiries on my credit report : XXXX XXXX XXXX Credit Card - XX/XX/XXXX XXXX - XXXX Credit Card XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous Banks - XX/XX/XXXX XXXX XXXX - Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - Personal Loan Companies - XX/XX/XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX XXXX - Sales Financing - XX/XX/XXXXXXXX XXXX  - General Contractors - XX/XX/XXXXXXXX XXXX XXXXXXXX - Bank XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Commercial Banks - XX/XX/XXXX XXXX XXXX - Miscellaneous Banks- XX/XX/XXXXXXXX XXXX XXXXXXXX - Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - General Contractors - XX/XX/XXXX XXXXXXXX XXXX - Bank Credit Cards XXXX XX/XX/XXXX XXXX opened without my authorization as well as multiple credit inquires
Product: Credit reporting or other personal consumer reports

Greetings, I requested that XXXX and Experian to update my personal information on my credit report on XX/XX/. The information that was requested was to remove all previous or address that inaccurate on my credit report and only use the address. 

XXXX XXXX XXXX, XXXX, XXXX XXXX Also, I requested all phone numbers to be removed from my credit report and change my work history to XXXX. 

As of now, the information still remains on my credit report, and I would like for the information to be deleted. 

Also, the only name that should be on file is XXXX XXXX XXXX
Product: Debt collection

In 2016, XXXX XXXX in XXXX GA failed to properly file an insurance claim pursuant to my office visit. I was under the impression they had done so. When they caught the mistake it was outside the window for filing a claim with the insurance company. I spoke with them many times and tried to work out a settlement. They refused to find a resolution and turned the debt over to Carter-Young, XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. XXXX. I also spoke with Carter - Young and explained in detail the problem. Four years later I am being harassed monthly with statements even after asking for that activity to cease. All of the credit reporting agencies have dropped this from my reports except XXXX who, to date, only provided on my report that I disputed the amount, which is true. I would like for XXXX XXXX and Carter-Young to cease  sending negative information each month and to erase this debt from my record.
Product: Student loan

MOHLEA customer service told me to contact a company to have them enroll me in public sector student loan forgiveness program. They referred me to a company called XXXX XXXX XXXX which charged me over {$700.00} an d did not change anything but put me on a income based payment plan.