23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi XXXX ; I never had any relationship with you nor the original creditor Comenity Bank! But Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Equifax have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I entered into a payment plan with Ally Credit Card due to my account being delinquent because the debt resolution program I was using was sued by the CFPB so I had no choice but to settle this myself. Ally Card agreed to only charge 6 % interest and I pay {$57.00} a month until the account is paid in full and they would close my account out also no late fees, no over the limit fees or no annual fees would be assessed and this was to get my account caught up and current however in making these monthly payments they only took one payment of {$57.00} off of the minimum payment of {$470.00} which came down to {$410.00} but ever since the one payment came off they have not been taking an subsequent payments off of that total which in turn is making my account show past due and they are reporting my account past due ever since I entered into this program and supposedly after 3 consecutive payments it was supposed to be reported to the credit bureaus as current but this has not happened mind you I have paid 6 consecutive payments which is over the 3 consecutive payments that I was told. I have contacted Ally card by mail and not getting any responses, so I have called them a few times and all I get is the run around. Ally Card needs start by fixing my minimum payment due which with 6 consecutive payments made should be current at this point and I am still getting collection letters from Ally Card even though I am in a payment plan program with them as well. I just want my account minimum payment amount to be corrected applying those payments to it and my account to reported current to the credit bureaus like how I was told when I entered into the repayment plan. Them sending me collection letters saying that I owe the minimum payment due is nonsense yes, I owe the balance and I am paying it monthly, and I know good and well all people in customer service should be able to see this. I just want them to make good on their word. I am doing my part the least they could do is what they promised. I am attaching 3 of my credit card statements so that you can see where the minimum payment due started and where it ended at also attached the email with the payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mu name is XXXX XXXX XXXX XXXX I am A living breathing human and I AM PERSONALLY WRITING THIS COMPLAINT AS IT IS MY RIGHT TO DO SO, THAT RIGHT BEING AFFORDED TO ME BY SEVERAL PIECES OF LEGESLATIVE Acts being FCRA, FACTS Act, as well as the XXXX XXXX Consumer protetctions act I am writing today witha complaint against experian credit reporting agency.On XX/XX/XXXX I lodged complaint number ( XXXX ) against experian and on XX/XX/XXXX I lodges another complaint against experian. The complaints were lodged on the cfpb platform where consumers file their complaints or problems with various either data furnishers or credit reporting bureau's.In the matter of each complaint experian acknowledges reciept of the complaint as well as giving an interim responce .In the Fcra it clearly states that a credit bureau may take up to XXXX day while in certain. Circumstances may request an additional XXXX days to finish their investigation or theor reinvestigation .The fcra is a set of laws said to govern all data furnishers and credit reporting agencies and its laws are to be followed to the letter, without exception both of the previously mentioned complaints are passed the XXXXday and rhe XXXX additional expiration dates for completion, there fore I ask for the immediate removal of the account in question on both complaints, the feca does not mention XXXX days for an an investigation it allows maximum of XXXX .please have Experian delete the account on each delete immediately or please hold the in violation of the fcra thank you for your time and I hope that this does not drag out any further my next step is to also launch an ftc investigation on why this account has not been deleted despite it expiration date being clearly overdue on the cfpb website any way thanks again and please enforce
Product: Bank account or service

I put in several request for Documents used in my Claim with MUFG Union Bank, all have not been honored, I 've also been called a " XXXX '' on the phone by Office of The President Officer XXXX XXXX. Under Regulation E guidelines, The Consumer is entitled to all Documents used or relied upon in The Investigation, nowhere in The Regulation does it say unless the Documents are considered internal, it actually uses the word ANY, meaning ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX and XXXXXXXX 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

I CALLED ALL THREE CREDIT BUREAU 'S TO FILE A DISPUTE IN REGUARDS TO MY XXXX XXXXt CARD. MY ACCOUNT WAS NEVER IN DEFAULT OR LATE. THIS WAS DURING THE COVID19 PANDEMIC.. THIS ISNT FAIR THAT ITS NOT BEEN TAKEN CARE OF AND MAKES ME NOT ABLE TO QUALIFY FOR A MORTGAGE OR A PERSONAL LOAN WHEN IN DISTRESS NEED OF ONE. I'VE TRIED CALLING AND CALLING AND PLACED DISPUTES AND THEY DONT DO ANYTHING NOR REPLY BACK AS TO WHY ITS ACCURATE. ALSO FOR JP MORGAN CREDIT CARD SERVICES.. THE ACCOUNT HAS BEEN CLOSED AND PAID FOR.. ITS SHOWN IT WASNT PAID FOR. PLEASE HELP HELP HELPPPPP!!!!!!!
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Product: Vehicle loan or lease

Last fall I obtained an auto loan. To reduce the amount of interest charged for the loan, I agreed to allow the lender to automatically take the monthly auto loan payment from my checking account. 
Many months later I logged into the bank 's website to review my accounts. I accessed the auto loan account and clicked on the Payment Details tab. The Payment Details tab displayed column headings of Date, Principal, Interest, Late Fees, Other Fees, and Totals. 
Only a couple of months of payment history details were displayed and the value displayed in the Date column wasn't accurate. It displayed the 4th day of the month even when payment was made on the 5th day of that month. 
I also saw that the interest charged in a later month was HIGHER than the interest charged in the previous month. There were no online statements -- just a couple rows of history -- so I called the bank 's customer support phone number. 

The representative did SOMETHING that allowed me to see several more rows of payment history data. 
When I saw more rows of a higher interest amount, I was really confused. 
I expected the Interest amount to be less each month because the balance the interest is calculated on is decreased with each payment made. 

The customer support representative submitted a research request and later I was called back and told me the Interest was higher in the later month because of the number of days in that particular month. 

I am unable to determine whether what the representative told me is correct or not. 
I can see only the current loan balance. I can't tell what the loan balance was for prior months. 

I tried several internet auto loan calculators and none of them had the same values I saw displayed for my loan, including what the monthly payment amount would be the amount I borrowed at the interest rate I thought I had. I thought I had a 60 month loan -- but maybe I really have a 59 month loan -- not sure? 

I am so confused on what reality actually is. And also afraid to make extra payments since I won't be able to tell how/if the amount is credited to my loan.
Product: Debt collection

XX/XX/2021 Affiliate Asset Solutions LLC reached out to me via mail and also by cell phone constantly at inconvenient times of day. I dont even want to answer my phone because they harass you. I didnt agree to sell my information to this company and each call I a willful attempt to disregard my rights as a consumer. No validation was provided as per my request and there for that is another violation. 

I have a piece of mail as proof. I highlighted Exhibit A which is 15 USC 1692 B ( 5 ) and the clear violation according to 18 USC 1342. 

I have a for your records a photocopy I will attach for you to review. As well as call records that clearly display consumer harassment and the agency calling at irregular and inconvenient times
Product: Mortgage

i have had work done to my house ( XXXX ) replaced well fargo property loss dept. has refused to remit the insurance check promptly. the check was issued from insurance co. XXXX wells fargo say the sent it to me regular mail. XXXX then XXXX the problem is the check has been receieved and now the contractor is threatening to remove unit and file a lien against the property. this is a pattern of deception that is illegal.the property loss department is purposely causing this problem
Product: Credit reporting or other personal consumer reports

I'am a victim of identity theft, my infomation is apart of the XXXX data breach. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did authorize or regonize
Product: Consumer Loan

they are calling my family members, my job my cell phone and they are calling everyday, more than 5 times a day for the last two weeks.
Product: Mortgage

I RESIDE IN WISCONSIN ; XXXX COUNTY. FREEDOM MORTGAGE IS REFUSING TO PAY MY XXXX PROPERTY TAX PAYMENT ON TIME. THE FUNDS HAVE BEEN PLACED IN ESCROW OVER THE COURSE OF THE YEAR AND FREEDOM MORTGAGE IS REFUSING TO RELEASE THE FUNDS TO ME OR THE TOWNSHIP WHERE I RESIDE. I WAS TOLD IN XXXX THAT THE TAX CHECK WOULD BE SENT IN THE MAIL DIRECTLY TO THE TOWNSHIP ON THE DUE DATE OF XXXX. ON XXXX MY WIFE WAS TOLD BY A FREEDOM MORTGAGE REPRESENTATIVE THAT THE PAYMENT SHOULD HAVE BEEN MADE BY XXXX. FREEDOM MORTGAGE IS NOW STATING THAT THEY NEED TO INVESTIGATE WHY THE TAXES WERE NOT PAID BY XXXX AND SAID INVESTIGATION WILL BE COMPLETED ON XXXX. FREEDOM MORTGAGE IS STATING THEY WILL PAY THE ADDITIONAL LATE FEES AND OR PENALTIES ASSOCIATED WITH THE LATE TAX PAYMENT. THE LATE TAX PAYMENT WILL HAVE A NEGATIVE AFFECT ON MY WIFE AND I CREDIT SCORE/RATING. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I dont have knowledge for this account right now, XXXX XXXX XXXX XXXX Late Payment {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been asking Equifax to add an extended fraud alert to my credit file. In mid XX/XX/XXXX I received confirmation from XXXX and XXXX that alerts were added to those files ; however, Equifax just keeps responding by asking me for the very same documents I have now sent to the NINE times. 

XX/XX/XXXX EFA requests mailed XX/XX/XXXX XXXX  requested police report to place EFA. Full request faxed XX/XX/XXXX Extended Alert request mailed again to XXXX w/new copy of DL XX/XX/XXXX Equifax sent me 1-year alert request denial for paperwork. Note : 1 year alert added XX/XX/XXXX. Extended Alert request faxed for 4th time. 

XX/XX/XXXX credit report still showing only : FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX Fifth Extended Alert request faxed to Equifax XX/XX/XXXX FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX As the proof of residence provided with initial request in XX/XX/XXXX was now 6 months old, full request with current Proof of Residence faxed AND mailed Equifax XX/XX/XXXX FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX Extended Alert request # XXXX mailed to Equifax XX/XX/XXXX FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX Extended Alert request # XXXX faxed to Equifax XX/XX/XXXX Equifax sent XX/XX/XXXX requesting personal identification documents that have now been sent nine previous times. Extended Alert request # XXXX mailed to Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I was in the process of moving and I pulled my credit report and noticed that there are addresses on my report that I never lived at. I used to live in XXXX OH and now I am in XXXX XXXX XXXX XXXX XXXX OH XXXX. I would I like to have a full investigation. 
I read that the FCRA 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. I am not too sure how this all works but I am under a lot of stress I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX CU # XXXX, XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX
Product: Credit reporting 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 an account without my written instructions.

15USC 1681 a ( d ) ( 2 ) ( A ) ( a ) clearly states that transactions between the consumer and the Person/Corporation making the report are NOT included on the consumer reports. Yet you are reporting this information. The reporting of excluded information pursuant to 15USC 1681 A ( d ) ( 2 ) ( A ) ( I ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, Collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately.
Product: Mortgage

I originally applied for a home equity line of credit with PNC. They told me it would be fixed for the first five years then variable. It was variable from the minute I signed. I told them the loan officer mislead me on the loan and they said I can change it to fixed for a {$100.00} fee. I told them I shouldn't have to pay this fee and they agreed but charged me anyway. I fixed the loan and then decided to take out a new loan to pay off the original loan. I had to go to closing three times before the loan wen through due to problems with their loan administrators and underwriters. After I got the loan, I received the first bill 3 days before it was due. I called to complain and they said they would put through the payment over the phone without a fee. The woman attempted to process the payment but it was the wrong amount. I told her it was wrong and she said she would fix it and I would get an email. I never got the correction email. I called them 2 days later, 1 day before the payment was due, to fix the problem. The nasty manager told me I would still have been responsible for a late fee even though PNC 's customer service agent put through the wrong amount. I asked them to check it. They said they couldn't find the payment at all. Then he asked to process a new payment. I have not received a confirmation yet. This bank is horrible. Their customer service agents do not have adequate training on consumer regulations. Their loan administrators have violated Regulation Z due to not sending me my bill on time and not processing my paperwork in a timely manner. Their loan administration process needs to be enhanced to ensure their employees follow the regulations and process everything timely and give customers the correct information. They also need to send billing statements in a timely manner. Please look into the mortgage servicing practice of this horrible bank.
Product: Mortgage

In XX/XX/XXXX, a transfer of mortgage servicing from XXXX XXXX XXXX to Freedom Mortgage Corporation servicer occurred. I received my escrow analysis in XX/XX/XXXX from Freedom Mortgage and they assessed that my escrow payments will increase on XX/XX/XXXX to {$570.00} per month due to a {$7200.00} shortage. When I look at their actual activity for escrow money paid in and paid out from website payment history on XXXX XXXX ( XXXX XXXX XXXX  ) and Freedom Mortgage ( https : //myloan.freedommortgage.com ) it did not match. I calculated that I paid in {$20000.00} and paid out ( {$18000.00} ) in my escrow. Freedom Mortgage calculated that paid in amount is {$13000.00} and paid out amount is ( {$11000.00} ).
Product: Vehicle loan or lease

I requested 6 months of payments be added to the end of my loan. at the original maturity date i paid the additional 6 payments that i was supposed to and the company still told me i owed about {$2500.00}. I advised them that this couldn't happen since i already paid the payments i placed at the end of the loan. Then after my new maturity date i did not receive any additional documentation or bills and they repossessed my car. When i contacted them they advised that the last contact was approximately XXXX when they sent a letter out. I did not receive any additional information after that so i assumed the issue was fixed, until i woke up and my car was repossessed. I contacted them immediately and they advised me now my balance to get my car back went from {$2500.00}, to almost {$3000.00}. This was a huge financial impact as my credit report wasn't even showing i was behind on any payments at the end of my loan but yet they went and sent my car for repossession.
Product: Checking or savings account

I feel like this bank, PNC is discriminating against me and XXXX  XXXX, my account has been frozen for a fallacious report of a XXXX  wire transfer. It has been nearly 2 months since my account has been frozen. This will put us XXXX XXXX XXXX. The XXXX XXXX  XXXX XXXX has yet to respond to PNC. I have provided documents to PNC regarding the wire transfer and they are moving very sluggish and treating me as if don't matter. They freeze all of my money in my account being over {$100000.00} legit hard earned money. Updates have been slow and not anything at all. I feel like we are being mishandled as a business.
Product: Credit card or prepaid card

My debit card was lost/stolen. I have been waiting on my replacement since Monday. One rep told me 3 to 5 business days. I should mention that I take the bus and my work schedule combined with the general slowness/inefficiency of the bus makes it all but impossible for me to make it to a branch on time. I'm a temp so if I try to leave early, I'll be fired and replaced before I could make it to the bus stop. So I'm going days without access to my money, services and subscriptions linked to my card are going to stop once payments start getting rejected. Plenty of banks and credit unions can print a card same day or send replacement cards through higher priority mail. On my most recent trip to a branch, the bank employee wouldn't even look up the status of my card in the mail and just said to wait longer.