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

In XX/XX/2021 I was challenging factual errors with proof. 
those agency was XXXX  XXXX XXXX after a few weeks they updated the accounts without putting the noted of dispute then I wrote some letters again in XX/XX/2021 and the result was that they did not accept the errors and I just said they wouldn't erase it This are the account im disputing in credit report XXXX XXXX  account # XXXX Portfolio recovery assoc # XXXX This accounts has many error i send them proof and they didnt want to acepted & after that the fail to the notice of dispute.
Product: Mortgage

I have a HELOC currently service by Shellpoint Mortgage Servicing. 

I stopped receiving monthly mortgage statements in XXXX of 2019. I could not confirm how they arrived at the mortgage amount due from month to month and the amounts varied greatly even though interest rates have remained fairly stable. 

Now I see that in XXXX of 2019 they are scheduling to draw over {$4000.00} from my account for my mortgage payment, when last month they took just over {$3300.00}. I do not see how they could be calculating my mortgage correctly when I see a {$700.00} payment swing in my mortgage payment in a stable interest rate environment. 

I contact them numerous times about not receiving a statement earlier in the year and all they could say was they were having system issues. 

I highly question the accuracy of their calculation of my monthly mortgage. 

Please assist me in ensuring that I receive accurate monthly statements to ensure that I know what I have to pay and can understand how my monthly payment can swing by over {$700.00} from one month to other in this stable interest rate environment. 

Thank you.
Product: Mortgage

My mortgage was sold to Wells Fargo and when Wells Fargo got it my mortgage went up from {$650.00} to {$1200.00} when that happened I knew I couldn't afford it because when I 1st got the house XXXX what I can afford then they said that I had a vicious dog there and I did not have a dog. And when I try to call them and tell them that I didn't have a dog nobody would come out and look nobody wanted to listen to nobody wanted to talk to me all they told me was that I had to pay that amount that was sold to him and I'm like how did it get sold to you when I thought it was already established that woman works it's gon na be that's what it was So from that point Talk to me all I kept getting was letters in the mail saying that I had to pay this and then when I tried to do the different things I was getting not nobody would listen to me at all. So I'm frustrated that I got XXXX XXXX at the house
Product: Credit reporting or other personal consumer reports

I have been submitting multiple dispute letters to request to remove the erroneous information that you have been reporting on my Credit File. When I checked my credit record, I discovered multiple billing problems. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any negative statements on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts that should have be corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been selling my info without me knowing ( illegal ) and now I have over 40 hard inquiries. remove all at once. 
I now have misreported inquiries that do not belong on my credit report. I did not authorize. This is fraud. 
Remove XXXX XXXX XXXX for this is a fraudulent loan and is not mine. 
Equifax needs to raise my credit score.
Product: Mortgage

I applied for assistance in saving my home from foreclosure. I hired an attorney to assist me. My attorney was advised my loan modification request was denied on XXXX/XXXX/15 verbally. However, my servicer Bank of America has not issued me a denial letter. I wish to appeal the denial as I believe I qualify and there must have been an error. In the meantime Bank of America has set a sale date on my home for XXXX/XXXX/2015. I have requested several times to have the denial letter issued to me and Bank of America does not send it. They refuse to issue it by fax or email to my attorney. They gave me a login and password for their web site stating I can see my denial letter on the web site and when I log in it will not allow me to look at anything. My attorney states they are purposely withholding the denial letter from me in order to burn the 30 days I am allowed to appeal. From what I can see my loan modification was denied on XXXX XXXX, 2015. To date I have no denial letter. Once XXXX/XXXX/2015 arrives they will have blocked me from my legal right to appeal the denial. Then I am sure they will try and go ahead with the foreclosure set for XXXX/XXXX/2015. This not only seems very unethical, but also illegal as I am told per RESPA Reg X ( XXXX ) am supposed to be given a denial letter and also given 30 days to appeal. I tried calling Bank of America again today and once I put in my loan number their phone system will not allow me to speak with anyone. Only leave a voice mail. They are purposely withholding my denial letter in an attempt to foreclose my home. They have been dual tracking my foreclosure process since XXXX 2015. What is the point of having Respa Reg X regulation when banks like Bank of America are not held to adhere to the law?
Product: Money transfer, virtual currency, or money service

On XX/XX/18 Paypal deducted {$43.00} out of my checking account three times for a purchase I made that was {$43.00}. I filed a complaint with them and accidently I put the wrong purchase amount of XXXX. They denied the claim and said I could appeal and I should show proof. I sent the appeal and explained that the amount I told them was incorrect and it was not the XXXX that I had originally claimed of {$43.00} but the correct amount was XXXX. In the first complaint they also did not acknowledge that I was billed 3 times but on their end they described it as being charged 2 times. In my appeal I explained I was triple charged and the new amount. I explained to them that they owe me {$87.00} and attached a print screen of the transactions for being charged {$43.00} three times. They did not even read the appeal and continued their review and the {$43.00} amount and only as a double charge and then denied again. When they denied again they had the nerve to tell me on XX/XX/XXXX they would be taking yet another {$43.00} out of my account! Why would they be taking that money? They denied the complaint. Thy never gave it back to me. They claim they did something called a " Provincial '' Credit. Most be some ghost credit as it never went into my account! I am tired of dealing with a company that could easily see what it going on and pretending like they don't just to earn interest on my money. They need to be stopped! I am one PayPal user out of millions and they have got to be making an astronomical amount of money playing this, " We don't understand '' game with our money. I have tried calling them and I get a rude and pretending to be confused associate. Feels like it is all part of keeping my money as long as possible. Now they are going to take more money from me. This is outrageous and as soon as we have this resolved I am going to close this account. Please help. I am attaching a extraction from my checking account showing the debits in question.
Product: Debt collection

About a year ago in The fall of 2021, I received an alert from my credit monitoring service that I had a debt collection being reported on my credit reports. Knowing that I have no debt in collection I looked at all the credit reporting agencies and realized this was indeed NOT my debt. My license and wallet were stolen about 3 years ago and I have had some problems with identity theft since then. I filed a dispute with all three bureaus which they all returned saying it was valid debt with a company I have never had a phone with. I then proceed to contact the collection agency Sunrise Credit Services in writing to inform them that I had no idea of the debt and requested that they send the original bill and I told them it was probably identify theft. If you look at my credit history I have no late payments or unpaid debt. They responded by sending me a phone bill from XXXX XXXX XXXX with my name but an incorrect address. The address was in XXXX, Indiana. I have never lived in XXXX, IN in all of my 47 years of being alive on this Earth!! Shouldn't any credit agency or debt collecting agency be able to verify this information? 
I have a debt in collection for the amount of {$1400.00} to Sunrise Credit Services original to XXXX XXXX XXXX I have disputed this with the agencies and the credit bureaus but they continue to say it is my debt. This is fraud and I have never purchased a phone from XXXX XXXX  XXXX and I have never lived in XXXX, Indiana. 
XXXX XXXX XXXX Sunrise Credit Services
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

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

I went to XXXX XXXX XXXX XXXX in GA which was not my regular doctor. Prior to seeing the doctor, I asked the in-take person at the front desk to call my insurance to verify that I would be charged the usual {$30.00} co-pay as a normal doctor 's office visit ONLY. I waited while she verified the charges with my insurance. She said she was told that the charges would be the usual {$30.00} co-pay and so I agreed to see the doctor and paid the {$30.00}. About a month later, I started receiving a bill stating that I owed {$160.00}. I call them up and also called my insurance and the insurance said how they coded it was incorrect and I told both the insurance and XXXX XXXX XXXX XXXX that they need to figure it out and that I would not be paying the {$160.00}. XXXX XXXX XXXX XXXX turned it over to collections to a Creditor called XXXX XXXX XXXX ( XXXX ) XXXX and they reported it to the credit bureaus and not this is impacting my credit score and I am buying a house. Please help me. Thank you! ( XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! I am XXXX XXXX and I have been sending letters to report accounts on my credit report that are inaccurate. Also the inquiries that I am not aware of is giving me a hard time. I have been sending letters to verify these and I received no response but yet it is still in my credit report and it is hurting my score.
Product: Credit reporting or other personal consumer reports

Despite my numerous efforts to resolve the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued inclusion of these items has significantly impacted my life, causing undue stress and anxiety. It is important to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX TransUnion Disputes Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX, NJ XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX, PA XXXXI also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX I was never late on this account- Please check the status on this account. 

XXXX XXXX  This is completely inaccurate. 

XXXX XXXX XXXX XXXXXXXX I do not recognize this. 

XXXX XXXXXXXX This is not accurate. 

XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXXXXXX This doesn't belong to me. 

XXXXXXXX XXXX XXXX, I dont recognize these inquiries. 

XXXX XXXX XXXX XXXX The following personal information is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following personal information is incorrect.
Product: Checking or savings account

I went into Regions bank in XXXX XXXX and was told by a XXXX that I owed {$180.00} in returned item fees after my account was closed in 2018. I was never informed this and informed this that someone fraudulentlyopened an account in my name for a credit card and tried to charge it to my account, which is why I closed the regions accou t in the first place. I called and spoke with the charge off team and spoke to XXXX, she would not take those fees off of my account. I asked for a supervisor and spoke to XXXX, who offered me to settle for {$76.00}. I informed her that I never knew of this and why am I having to pay for fees I never made. She said they had a wrong address and this is why I never knew. These fees are excessive and I am not responsible for fraudulent fees to begin with. Please assist me.
Product: Credit card

A few months ago, I opened a XXXX credit card ( issued by Synchrony Bank ) while shopping at XXXX. I opted for paperless billing, so I never received a physical statement and was unaware of my due date. My online banking account was locked, preventing me from accessing my balance. I tried to reset the password, but the code was never sent to my email. Couldn't not recover access to my account. 

In XXXX, I received a call from Synchrony Bank informing me that my payment was 5 days past due. I immediately paid the full balance of {$350.00} that I spent at XXXX. However, in XXXX, I received another bill of about {$50.00}, even though I had not used the card since XXXX. 

I called Synchrony Bank to clarify this issue. The representative waived the {$40.00} late fee but refused to waive the {$11.00} in interest for a XXXX delay, which seems excessive. I also asked about a grace period, which is common among banks, but I was informed that Synchrony does not offer one. 

Furthermore, I was told that in XXXX, I may receive another bill for interest on the late fees ( that were waived ) and interest on interest, which is unreasonable. Even after escalating the issue to a supervisor, they refused to remove the interest charge.

Additional Issue Credit Limit Reduction & Credit Score Impact Without warning, Synchrony Bank decreased my credit limit from {$400.00} to {$100.00} after this incident. This sudden reduction damaged my credit score by increasing my credit utilization percentage. I believe this action was punitive and unfair, further harming me as a responsible consumer. 

I believe Synchrony Bank is engaging in unfair business practices by : -Charging interest on interest and on waived fees -Not providing a grace period for payments -Reducing my credit limit without notice, harming my credit score I request CFPB to investigate these unfair practices and require Synchrony Bank to remove the interest charges on waived fees and delayed payments. 

Personal Information : Name : XXXX XXXX Phone : XXXX Email : XXXX Account Number : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with WELLS FARGO BANK, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, WELLS FARGO BANK, XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a fraudulent collections account on my credit report. A tenant of XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX, rented an apartment in my name beginning XXXX, 2019 and squatted for 3 months without paying any bills or rent. This resulted in a eviction and judgment totaling {$7000.00} with attorney fees. When I learned about this judgment I reached out to XXXX XXXX and informed them I did not authorize a lease in my name and this transaction was result of fraud. I spoke to the property manager and forwarded her my police report, proof of address, identity and other supporting documentation. I was informed that any liability by me as it related to this account would be dissolved, due to this I figured the issue was resolved. Fast forward 2 months later, XX/XX/2019, a collection account related to the fraudulent apartment was reported to my Experian credit report in the amount of {$4700.00} by XXXX XXXX XXXX / XXXX XXXX XXXX. XXXX XXXX XXXX  sold a knowingly fraudulent account to the collection agency which in and of itself is illegal pursuant to FCRA 615 ( f ) ( 1 ). 

I spoke to XXXX XXXX at XXXX XXXX XXXX on XX/XX/2019. He stated I should mail my documents supporting my fraud claim to their PO Box and it could take up to 30 days after receipt to complete their investigation and an addition 30-45 days to be removed from my report. I inquired on a fax or email to expedite the receipt of my documents and he stated mail was the only option. 

I work in XXXX and am currently up for a promotion.This fraudulent collection will hinder me from my promotion as a credit check and good credit file is a mandatory criteria. My supervisor will literally be puling my credit in the next few days according to an email I received. This account must be permanently blocked expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

The investigation took longer than 30 days. I have attached my dispute letters I sent to XXXX, XXXX and XXXX which date my first letter to XX/XX/XXXX  and my second letter to XX/XX/.
Product: Credit card

on XXXX XXXX, XXXX I was in need of a computer. I went to Best Buy in XXXX Ca. The floor staff directed me to the XXXX, and XXXX product. I said I can not afford the XXXX though it would be my first choice in terms of durability and quality. The staff told me, well, you can afford it because you can get a Best Buy credit card and I could pay off the computer monthly, with no interest. I was insistent was this true and correct? He said it was. I went ahead and purchased, also double checking with the sales staff at the register if in fact what I had been told was true. They said it was. I happily went home with my computer. I paid on the computer monthly, and never missed a payment, paying more when I had it, I am on XXXX and was recovering from XXXX XXXX, the computer was very important to me as I was limited in accessing outside my home. I checked today, XXXX XXXX, XXXX to see if the computer was paid in full, I thought it should be by now. I was told to my shock and horror that I owed, XXXX on the computer that cost XXXX! In other words I was paying for the computer twice! I told the credit card customer service that they owed me XXXX because I had overpaid them! On the original amount. They said sorry but in XXXX of XXXX they had ballooned payments so the amount I owed doubled. I said when I got the computer, no one said anything about balloon payments, in fact I was told it was interest free. Otherwise I would not have bought the computer at all, I knew I could not afford it if those conditions had been explained to me properly and had they not repeatedly lied.
Product: Credit card or prepaid card

I noticed there were interest charges on my credit card account despite the fact that I have until XXXX and XXXX to pay off two credit card transfers which I paid 3 % to transfer. They claim I paid it off early. I called each month and asked how much do I have to pay to not be paying interest and they gave me a figure, I paid that figure and yet kept getting charged interest. Even their own employees didn't know how it worked. I still have until XXXX and XXXX to pay this account off without interest but since they keep charging me interest so I paid it off. They stole my 3 % and charged me interest every month.
Product: Credit card

I attempted to cancel a Macy 's credit card recently, and was told everything would be all set. After a couple weeks I realized that the card still had a {$4.00} balance that was not explained. After calling Macys they informed me that the charge was an interest charge due to the fact that my last bill has not been paid despite the fact that I am on automatic payments. After some discussion they did agree to remove the charge however they never did. After another call back they informed me that the charge would be removed, but were unable to provide any kind of confirmation that it had been done, or and would not offer to call back to confirm. I asked to speak to another customer service representative in the hopes of finding someone who would be able to provide me direct contact information or call me back. Instead they simply hung up on me. Throughout this process the customer service representatives have indicated to me that their website is not functioning correctly and that there is no way that I can use it to check my balance reliably. At this time I still have no indication that any charges have been reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX, XXXX  XXXX XXXX  XXXX account XXXX XXXX, XXXX XXXX  account XXXX 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