23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Consistently, I've maintained timely payments on this account, preventing any instances of overdue bills. However, I'm uncertain about the rationale behind the late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be rectified.
Product: Debt or credit management

When I hired Lexington law firm I did not receive any changes in my credit and my money was still being taken .Dates where around XXXX
Product: Mortgage

SPS is still not honoring my permanent modification of {$490.00} a month! Their many alleged defaults over the years have been satisfied. Most recently an alleged default of {$780.00} which I was notified of on XX/XX/XXXX, In XXXX, XXXX, I paid 2 pmts. of {$490.00} & one pmt of {$290.00}. 
This cures my alleged default plus paid my regular XXXX payment. Just as I have paid all their alleged defaults with the promise that my payment would return to the correct {$490.00}, it has not! They are still charging me taxes & insurance on each monthly payment which I pay separately & calling my full paymentPartial! 
Also, the property they are harassing me over is no longer in my name. The City of XXXX XXXX XXXX XXXX changed the ownership years ago to XXXX XXXX XXXX XXXX XXXX. This was done without my authorization after having these records in my name for 17 years & paying taxes in my name. On XX/XX/XXXX XXXX XXXX at SPS Loss Draft department advised me my short pay offer after a total loss fire was accepted & SPS would be sending me the {$25000.00} I requested in the offer. SPS held my {$50000.00} for three years with no interest as I had been verbally promised by yet another SPS representative/liar!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX is reported on all credit bureaus as a charge off, account sold, and with a balance. 

This account has been disputed through certified mail and i have never received any original documentation verifying this debt. 

I'm unable to cite the exact FCRA information that states the above erroneous information should have already been removed. 

Please assist or advise in the removal of this account from XXXX, Transunion, and XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a bankruptcy reporting on credit report. Credit bureau reported that they verified information. However, I contacted the company that credit bureau stated that verified information and was advised that not only did they not verify information, but they do not provide information directly to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCT # XXXX Date Opened : XX/XX/2021 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

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 an account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$240000.00} ; XXXX XXXXXXXX XXXX : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureau with my disputes on it. I INCLUDED ALL THE IDENTIFICATION THEY ASKED FOR. They sent me a letter saying my identification information is wrong. 
I will attach exactly what I sent.
Product: Mortgage

I filed a complaint a couple weeks ago. The number is XXXX. I would like to connect this with that one if possible. A couple days after I filed other complaint with you guys I spoke to a person at Right Path Servicing. I felt that he was trying to strong arm me. Ive talked to him a couple times before the last several months. He said he was assigned to my case several times. Yet he never knew anything about it and had to put me on hold and look at the notes everytime. The last time I talked to him our conversation escalated. The phone signal failed. Not sure why. I didnt hang up the phone on my end. The very next day someone called me telling me that my modification was no longer in underwriting and that it was denied. Thats very strange to me that the day after we talked that my modification was denied. It was approved months ago after I sent them the notarized papers 4 different times because of errors on their end. My only option was to accept the cancellation of modification and apply for a new one. Thats very strange to me. The guy that set up for me from the same company told me that he even thought it was weird that they closed my modification because everything was approved and it was notarized through the counties. Today earlier XXXX. The same guy that I feel hung up on me and had my account closed called me today. I told him I had nothing to say to him at all. I immediately called back and spoke to another person and told her what was going on. She too said she cant understand why they would close modification when everything was approved and notarized. I asked her to set up a call back with a supervisor. She told me that someone would call me back Im within 24-48 hours. As I stated before. Before covid I made all my payments always on time never late. Covid impacted me and cause me to lose my job and fall behind on eveything. Ive finally bounced back and can make mortgage payments again. Then sending me papers 4 different times to get notarized while I paid for them, switching companies from community loan to right path in the middle of all that. And showing my modification and under review for 4-5 months has really just rubbed me the wrong way. Plus my supposed approved modification being denied out of the blue is very strange to me. Like I said to them. I just want to get back to making my payments again normally and on time. They called me everyday for 5 months. I dont want them to call me and I dont want to call them. Thanks for looking. I put the case number for other file on top of this one. Im hoping that you guys can connect the two. Thanks again
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : The inquiry was not authorized XACTUS Date of inquiry : XX/XX/year> The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Late Payment XXXX Account XXXX : XXXX Late Payment XXXX  Account Number : XXXX Late Payment XXXX XXXX Account Number : XXXX Late Payment XXXX Account Number : XXXX Late Payment XXXX Account Number : XXXX Late Payment XXXX  Account Number : XXXX Late Payment XXXX Account Number : XXXX Collection XXXX XXXX XXXX Account Number : XXXX Collection XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Collection XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I sent my mortgage payment due XXXX XXXX, 2015 to Chase Financial Services, it was received by them on XXXX XXXX, 2 days prior to the due date. Inexplicably and without my permission, they applied the entire payment to principal instead of to my next due payment ( XXXX XXXX ). Then they recorded my XXXX XXXX payment as delinquent and applied a late fee on XXXX XXXX. I received the first notice of this when I got home from work on XXXX XXXX and found a message from Chase advising me to call them. I immediately went to their website to verify they had received my payment. It was then that I learned they had misapplied my payment. I immediately called Chase and demanded to speak to a manager. With some difficulty and more time than it should have taken I was finally transferred to someone who identified herself as in the escalation department. I explained the situation, along with my anger and frustration that they would do this. She finally admitted Chase had made an error and they would fix it. I demanded a written explanation of what transpired along with an acknowledgment that my payment had not been received late, indeed two days early. She said she would fix the situation, request the letter and call me back. The next day, XXXX XXXX, she called again and tried to excuse the misapplication of the payment since they had received two payments from me in XX/XX/XXXX, namely my XX/XX/XXXX payment which they received at the beginning of the month, and the XXXX payment they received XXXX XXXX. I cut her off telling her I did not want to hear excuses, only that the situation had been remedied. She said they were working on it but they did n't have a letter they could send me. I told her the steps they took to remedy, as well as an acknowledgment that Chase had erred and my payment was never late MUST be in writing. I then terminated the call.
Product: Money transfer, virtual currency, or money service

Cashapp doesnt have a active agent they give out false 1800 numbers to contact never answered I have to wait days to hear from a agent about a claim
Product: Mortgage

Hi I have complained before but you did not help me. I was told by a lawyer to try again. Wells Fargo has XXXX me for the last 3/4 years me and my wife have lost sleep worried about my home. XX/XX/2016 I  was told by XXXX XXXX to put loan in wifes name since I was in cpt XXXX. and she would qualify for Harp 2.0 I called Wells Fargo I was only one month behind due to sickness. I was denied they said you do not qualify. XXXX also was denied on the US Gov principle reduction. Wells Fargo said no.I have called and beeged for help and they denied me everything. All the US Gov programs help everybody buit us acording to Wells Fargo. They help me one tiome and went up on rate and years and I was told get out if We can not afford it. And the Ladies name I have.I have been underwater for 5/7 years and they sunk me further in dept. The place were I resident is located has gone Bankrupt and that hurt values.I know you have read about allm the fines that Wells Fargo has paid millions for XXXX to XXXX XXXX and XXXX XXXX  so it shouild not be too hard for u to understand that Iam just a number and money rules Wells Fargo. They are the hatefull and crooked ask anybody that has tried to work a solution that may help the consumer.They screw anybody that get in there way.I need HELP PLEASE Thanks XXXX  and XXXX
Product: Debt collection

I sent a debt validation letter to Midland Credit Management to verify a debt on XXXX XXXX that they claim I owe. Midland only sent me statements of the accounts, the statements they sent only show a balance owed it does not prove that the amount is correct from XXXX. Midland did not send me all the information that I requested to prove that they own the debt and prove they are legally allowed to collect on these accounts. Midland is still reporting to all 3 credit bureaus on this debt that has not been Validated. No signatures are on any documents they have sent to me including original creditors documents they provided me with.
Product: Debt collection

I hereby declare that I do not, and have never consented to any contract purportedly established between myself and LVNV Funding, as there exists NO SIGNED CONTRACT BETWEEN US IN ACCORDANCE WITH THE UNIFORM COMMERCIAL CODE ( UCC ) UCC 2-201. FORMAL REQUIREMENTS ; STATUTE OF FRAUDS! UCC 2-201. Formal Requirements ; Statute of Frauds : ( 1 ) Except as otherwise provided in this section a contract for the sale of goods for the price of {$500.00} or more is not enforceable by way of action or defense unless there is some writing sufficient to indicate that a contract for sale has been made between the parties and signed by the party against whom enforcement is sought or by his authorized agent or broker. 
As no such contract exists, between myself and LVNV Funding I hereby assert that I am not bound by any purported contractual obligations! I hereby demand an immediate cessation of all collection activities, including reporting on my consumer credit report, related to any purported obligation with LVNV Funding. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Any further attempts to collect or report on this alleged debt will be considered a violation of federal law and will result in appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently received my consumer report from EQUIFAX and noticed that there were unauthorized accounts being furnished.On XX/XX/2022 I wrote a letter which was sent overnight and received XX/XX/2022 tracking number being XXXX ( confirmation attached ) In this letter I've communicated to EQUIFAX letting them know that I was aware of the fraudulent accounts reporting on my consumer report. ( XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX ) I also explained to EQUIFAX that I hadn't given them written or oral consent on my behalf which according to the FCRA are required before any consumer reporting agency furnishes any account.According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.With EQUIFAX reporting these accounts they are in violation of that subsection as well as 15 usc 1681 ( n ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I'm demanding EQUIFAX TO BLOCK AND REMOVE the accounts listed above or I will presume litigation for all damages caused by this consumer reporting agency.
Product: Student loan

Navient changed my loan terms without informing me or obtaining my conset. I was on a 10 year repayment plan with auto debit, and they converted it to a 30 year plan paying only interest. When I called they were not helpful, and did not clarify why this was done. I am not sure if this is going to be corrected as they told me it will take a couple of weeks and I will need to follow up closely on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # # # # # # XXXX, XXXX XXXXXXXX XXXX Account # # # # # # # XXXX, XXXX 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, credit repair services, or other personal consumer reports

My husband and I recently reviewed our credit reports and found in accurate reporting of Late Payments of our auto loan payments to XXXX. The dates reported late are XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX and spoke to a representative in their accounts and billing department who informed me that the ( 2 ) late payments derived from an internal error. 

I am extremely upset that my husband my co-borrower and I have had our credit affected due to these errors caused by XXXX XXXX XXXX and within all honesty at our time of life the prospect of being bound to XXXX XXXX XXXX for a further couple of years worries me because this issue could have been avoided if better contact record keeping was applied. The whole issue not being able to contact us by phone is no excuse because I furnished our address and email address for notices such as this. 

I was not advised that XXXX was not able to contact us by phone because of inacurrate contact information that was input into my personal information ( please see initial contract which states incorrect telephone number ). Although I now reside in XXXX my area code is still a XXXX XXXX XXXX which is simular to a XXXX area code of XXXX it was input into their system incorrectly by the representative that completed the contract and was never updated although it is requested as part of the verification process each and everytime I contact their office which I have done on numberous occassions due to my irregular travel patterns that take us outside of the USA I frequently pay over the amount of my monthly installments which is {$280.00} and in advance.
Product: Debt collection

I canceled service with XXXX XXXX due to them no longer offering a service I needed. XXXX XXXX XXXX XXXX XXXX. I got a final bill in the mail it was paid and equipment was returned. Now nearly 2 years later I got a phone call from Sunrise collection company saying I owed XXXX XXXX XXXX XXXX. I said I never received anything from XXXX XXXX about any unpaid balance and I verified my account was cancelled, paid and the dvr receiver equipment was returned. So i disputed this with sunrise via on the phone and email and never received my requested verification of this debt from XXXX XXXX This was fraudulently placed on my credit report now I am getting letters from another agency also claiming to be first party with XXXX XXXX  and not a XXXX XXXX XXXX XXXX XXXX XXXX  asking for me to send another email of dispute to them. I will do that but this is a violation of FDCPA. I am dispute and filing a complaint on this invalid debt. Remove it from my credit and cease collecting attempts.
Product: Debt collection

I hope this message finds you well. I am writing in response to your recent communication regarding the debt you claim I owe, referenced under account number XXXX. To ensure that I am addressing this matter accurately, I kindly request that you provide me with the necessary documentation to validate this debt. In accordance with the Fair Debt Collection Practices Act, I have the right to request verification of the debt. Specifically, I would appreciate the following information : The amount of the debt and a breakdown of any fees or interest. The name of the original creditor and details of the account. Documentation that proves I am responsible for this debt. Evidence of the securitization of the debt, including any assignment of the debt and the chain of ownership. Furthermore, I would like to formally request the cancellation of this debt if the requested validation can not be provided. Please send this information to my address or email listed below. I look forward to your prompt response so we can resolve this matter. Thank you for your attention to this request. Best regards, XXXX XXXX
Product: Checking or savings account

I opened high interest online savings account in XX/XX/2020 in mid XXXX they closed it without reason or given explanation. I'm told that they will mail me a check after 60 days which means XX/XX/XXXX-XX/XX/2020 which is ridicules. This is my hard earned saving XXXX and now I don't even have access to it. Please help.
Product: Credit card or prepaid card

On the XXXX of, XXXX XXXX, was in process of ordering 2 pairs of XXXX XXXX sunglasses. During the second order that order was instantly swiftly taken from me on my computer and charged to, my Macy 's charge account which was a XXXX XXXX balance. I, had to stop and for the next while cancel the order. I, tried different ways to let them know. The employee 's were in. I, had paid the 1st. order with my debit card and that is what I was using with the 2nd. pair. When I, received my sunglasses I, received two. The second order address was to XXXX, Tennessee. The order was delivered to her the next day. The next morning I, was charged {$100.00} without my consent or, acknowledgement. Again after several attempts I, talked with the shysters. No remorse. They lied to me a few times and told me on XX/XX/20 XXXX would p/u.. It didn't happen nor on XX/XX/20 and the mistake they made has " bate and switch '' got my money free of charge! City Bank services Macy 's account. There is not a " dept. store service bank ''!. On XX/XX/20 my account still has my money. The cancelled order is still outside for p.u. since XX/XX/20 @ my expense. I, definitely want to be compensated. To me this is a Federal Offense. I, prefer charges be brought upon them. I, am filing a formal complaint and I, want charges brought against Macy 's employees that have been involved. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my report that do not belong to me
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Debt collection

In XXXX I opened a credit card with XXXX XXXX company which gave me a limit of {$1500.00} dollars around XXXX in the account statement there were XXXX transactions made that did not belong to me when I realized I contacted XXXX XXXX customer service notifying them the transaction that I did not recognize as mine they told me that they were made at XXXX XXXX in XXXX FL at that time I lived in XXXX FL transactions were clarified at present I am being sued by a collection agency Mandarich Law group , LLP which charges me a lot {$2000.00} the XXXX XXXX account was closed over 4 years ago I have explained to the collection agency what happened in the past they ask me for a police report of identity theft I currently live in XXXX GA when I went to the station police notified me that they could not make a report of something that happened in FL in XXXX, all this was explained to the collection agency but they still continue to charge. in which all this had been resolved but apparently it was not so I was a victim of fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXXXXXX, XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, and XXXX XXXX have 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 an account without my written instructions.