23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr. Cooper is the servicer for my loan with XXXX. Until XX/XX/2024, I had a bi-weekly mortgage payment set up for my loan. Starting in XXXX, Mr.Cooper unilaterally changed my payment set up to a one-time monthly payment without advance notice to me. I caught the change on XX/XX/2024 and tried to fix it online. There are no options online to change the standard one-time monthly payment to bi-weekly. I called the company, and I was told I have to submit a request to a specialized department that sets up bi-weekly payments. I was also told, I wouldn't be notified when the change is processed and I have to check back online again to see the change. I was also told it could take 3 - 5 days for the change to happen. I am very surprised and frustrated that a company can unilaterally change my payment process without any notice, and doesn't provide any online option for me to make the appropriate changes.
Product: Credit reporting

In XXXX XXXX Equifax removed a collection on my report and in XXXX of XXXX they put it back on my report the collection in reference is XXXX. I have disputed this collection XXXX or3 times since I have never lived in these apartments-my question is since they removed it in XXXX XXXX after 7 years do I have to wait another 7 years?
Product: Checking or savings account

This is a continuation of a prior issue. I will provide the explanation here. 

I received a letter from Citizens bank that they owe me XXXX and to contact a number provided I called the number and I can not get a hold of anyone as it will only help people with an account number. As this is a disbursement of a loan from 2019 I no longer have an account number. I have tried to contact them and it's impossible to recive my money from Citizens bank. 

In the follow up with Citizens bank the said the money was surrendered to the State of Massachusetts treasury. I checked with the treasury and there is no money to claim. I believe Citizens bank made a false claim about the surrendered money. There is nothing in the records from the state about the money.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal and final written request to remove the following accounts from my credit report, effective immediately. The accounts listed below have not been verified in accordance with the Fair Credit Reporting Act ( FCRA ). Despite previous attempts to obtain proper verification, you have failed to provide me with any original documentation as required under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : A consumer contract bearing my signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Proof of an investigation and verification of the disputed information.Additionally, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the FCRA explicitly requires you to promptly delete all information that can not be verified. This failure to comply violates my rights under the FCRA, and I consider this negligent noncompliance. As such, I am prepared to pursue litigation under Section XXXX to enforce my rights.I demand the immediate deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX ( unverified ) XXXX XXXX XXXX XXXXXXXX XXXXt # XXXX XXXX XXXX XXXX Failure to comply with this request and provide me with adequate verification will leave me no choice but to pursue legal action against the credit bureau and the CFPB for failure XXXX XXXX federal guidelines XXXX I am a litigious consumer, and I will not hesitate to file suit to ensure my rights are upheld.I request your immediate attention to this matter and expect a written confirmation of the removal of these accounts within 15 days of receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate these inquiries as they were inserted on my credit report without my authorization. I called Transunion to ask why my credit was pulled without my authorazation and I was told that It's nothing that can be done by law It say that All information reporting should be 100 % accuarate and these inquries is not. Thanks again
Product: Debt collection

{$2800.00} Open balance XXXX HARRIS & HARRIS Original creditor Opened Account status Type Responsibility Remarks Original creditor name XX/XX/year> ( XXXX mos ) Open -- Individual Placed for collection Placed for collection HARRIS & HARRIS
Product: Debt collection

This involves a company called "  XXXX  '' concerning the lease of a bed mattress. I paid on this account for months, contacted  XXXX  on what I owed to have the account paid off and they told me {$730.00}. I made arrangements to pay off the balance, however, they never took the payment. I have paid way over the amount of the cost of the mattress and they are asking for {$1500.00} for payment!!!
Product: Debt collection

Synchrony Bank has XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX, attempting to collect on an account that has been paid in full. I have contacted Synchrony Bank and requested a signed copy of the original contract. Synchrony Bank sent me a letter providing proof they can not produce a copy of the contract ( attached ). Synchrony Bank was suppose to be charging me 0 % interest on Lowes purchases because its a Lowes Credit Card and Lowes advertises 0 % interest on the purchases made. I have been overcharged thousands of dollars on interest charges by paid to Synchrony Bank. I have also requested transaction receipts with signatures and both Lowes and Synchrony bank can not provide with proof in writing. I paid the account in full but Synchrony Bank is still attempting to collect. Synchrony Bank is damaging my credit report with inaccurate negative information on an account that was never late and paid in full. Synchrony Bank also has forced me to hire an attorney to defend me against frivolous claims I owe them money. Synchrony Bank even without the contract and sales slips refuses to stop attempting to collect and creating unnecessary stress and expense for attorney fees from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

they are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information their reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with their agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 at approximately XXXX XXXX I attempted to settle a debt of {$610.00}. Please note that I do not acknowledge any liability for this debt in any form and I retain my right to request full and complete debt validation from your company. I spoke with a representative by the name/alias of XXXX XXXX. I was informed that I would not be able to settle the debt of {$610.00}. I immediately asked for a supervisor and I was informed that there were no supervisors at that current time to help me and that the debt would not be able to be settled. 

As of XXXX and XX/XX/2021, I have previously made two separate requests for validation ( see attached ) and your response or lack of response does not comply with the disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply. However, you have chosen not to meet the legal requirements of the law. It is manifest that you have absolutely no claim against me, and that you have no records or evidence to support any claims against me. Once again, it is clear that you have not provided me with any evidence to establish that I owe you any money. 

Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim of debt against me.
Product: Checking or savings account

I have been a customer of the Citizens Bank of PA. since XXXX. I have only use them as a bank/debit card service and no loans. I have not had any problems with them until the last three years. Since about XXXX at various time I have had overdraft problem due to my work slowing down and then in XXXX I became unemployed when the company I worked for shut down. I draw SS and my check is direct deposited. I approached the Bank for any solution they could offer and was told that the account was set up on a Debit Overdraft Protection and I thought well, that's ok but is isn't. They get my check and my wife 's check before I ever se any money and they deduct their fees. In XXXX in XXXX we paid our mortgage off and had about {$2500.00}. left in our Escrow account. We went to the bank in XXXX XXXX and established a savings account to cover our taxes and insurance and Overdraft Fees and I thought that we were good. In XXXX of XXXX I talked to a representative of the bank via telephone over Overdraft fees and learned that the Bank would/could not use savings account as an Overdraft Protection because my Original account was established in XXXX XXXX and the savings account was opened in XXXX XXXX and could not be linked of which I was not made aware of. The gentleman did refund several Overdraft fees and recommend I open a Line of Credit Overdraft Protection of {$1000.00}. that would take care of the problem but that I would need to do it at my Bank. In XXXX of XXXX I agai9n went to the bank ion XXXX to apply for a Line Of Credit overdraft protection account thinking that with a good credit score and owning my own home would be our answer. With what my wife makes and my SS we can cover our expenses. the problem we have is not money but timing but when the bank hits you with {$37.00}. ODF a few time it turns into a money problem. 
Well, even though the bank was covering all drafts on my Checking account and charging me the {$37.00}. fee, they refused to grant me a line of credit Overdraft protection account with {$12.00}. fees and a minimal interest charge. 
XXXX, and XXXX have been a difficult time for us and today my SS check was deposited and upon checking account balance I discovered that a total of over {$600.00}, has been taken from my account in overdraft fees and sustained overdraft fees and I just can not, under current circumstances, change banks and can not make ends meet with this type of bank service. I have done all I can do to be the best customer I can but I do not believe this is fair to me. I can't pay all my boils when the bank takes {$37.00}, a whack out of my account and leaves me with not enough money to survive. I believe the money in fees is really what this is about because they make more at {$37.00}. bucks each rather that {$12.00}. bucks and a minimal interest charge. It really hurts to loose {$600.00}. of your {$1800.00} monthly SS check. I will change banks but oi9t oi9s very difficult to under the current circumstances. 
Do I have a valid complaint or am I out of luck?
Product: Debt collection

I see on my credit report a collection made by third party named Portfolio. 
The creditor already accepted a new settlement with XXXX XXXX that supported me to renegotiate my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint about XXXX XXXX and received a letter back on XX/XX/2018 that they would delete the TradeLine from 4 bureaus. 
All bureaus has deleted the TradeLine except Experian, in the letter it states give it 30 days to update on the credit report it is XX/XX/XXXX and the TradeLine is still on Experian. I have sent Experian the same document XXXX sent the CFPB, but instead they opened up a dispute and XXXX has came back and updated the TradeLine. 
I have called XXXX and Experian multiple times to get this situation resolved but neither will give me an explanation.

This TradeLine has to be deleted immediately it has hurt my ability to purchase a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am a victim of identity theft, as i previously notified Experian. I am not a third party. and I already gave permission thru the CFPB. But as per Experian 's request, I XXXX XXXX XXXX give authorization to Experian.
Product: Mortgage

I'm a conventional mortgage holder with Wells Fargo. They informed me through the time I had the mortgage that I had to make Escrow payments when their was already enough money in the escrow account to cover taxes and insurance. The amounts were well over the added taxes and insurance increases. In XXXX the taxes went down and they wanted more money in the escrow. 

Thank you. 
XXXX XXXX XXXX XXXX.
Product: Mortgage

Loan was originated on XX/XX/XXXX. Ally Bank was underwriting my loan. I was told i had to pay off my personal debt in order to get a better rate of 4.375 % provided all personal financial statements, income, Social security numbers, pay stubs, proof of funds, paid off my debt in the amount of XXXX in order to get the 4.375 % rate approved. the rate was approved by Ally Bank on XX/XX/XXXX. I have supporting Loan disclosures and numerous emails and signed documents from Ally Bank. I am scheduled to close on XX/XX/XXXX. my 4.375 % interest rate is locked in until XX/XX/2018. i get a phone call from Ally Bank on XX/XX/XXXX that they made a mistake in underwriting and i don't qualify for the 4.375 % rate. the new rate is 4.75 %. my credit is excellent, the home appraised for more than the loan. Now i am in jepoardy of defaulting on my contract of sale and could lose my deposit on the purchase of my new home. now the bank is not responding to repeated requests to remedy this situation. how do i sue Ally bank for the cost associated with this?
Product: Debt collection

COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX  XXXX  XX/XX/XXXX {$5600.00} {$6200.00} XX/XX/XXXX Contacted company and company started asking for my personal information to be sent over and I didnt feel it was needed and now I fell Im being harassed and told its mine. And on another note I dont owe this company money for sure they arent even the original contract that the fraud was done under.
Product: Mortgage

XX/XX/13 During our children 's illness and care and transportation back and forth to the XXXX XXXX and not being able to work full time and only part time to help his recovery over 49 months our mortgage company at the time, Mr. Cooper - XXXX XXXX prior would not approve us for a temporary modification nor a reduced payment for a interim period of time.
Product: Debt collection

I never authorized any of the companies listed below access to my personal information, I will need full validation of this debt including my signature on each document. I need to understand if these collection agencies are licensed by their state and a full description of the debt. 
Jefferson Capitol, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

I tried to get an annual free credit report from Equifax they denied it to me demanding I send in several other documents including social security card proof of paycheck with address and a driver license. First of all social security XXXX for social security withholding taxes and benefits has NOTHING to do with Equifax and they should not even have it! Second employer information has nothing to do with credit. Third driver 's licenses are for driving a car they have NOTHING to do with credit. This was yet another egregious violation of my rights and demands for personal data to collect on me. In additon I am not even seeking credit but yet again I was denied service because of an error in an Equifax credit report. THIS HAPPENS ALOT! I am FEDUP with being held hostage by these companies and demands. As a victim of MULTIPLE data breeches including the latest ones by the XXXX XXXX XXXX XXXX of the U.S. government I am not going to turnover even more personal data that Equifax has no right or need to know. I have gone out of my way to not have things put in my name so that data can not be breeched and credit companies can not collect and sell information on me. Right now they do n't have my current address and I want it that way and I have a right to have it that way. I expect as a TAXPAYER for the CFPB to do something now about this!
Product: Credit reporting, credit repair services, or other personal consumer reports

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX XXXX {$63.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$270.00}
Product: Debt collection

AMERICOLLECT XXXX ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX XXXX XXXX XXXX XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFBP I am filing a complaint against Experian for failing to conduct a proper investigation for XXXX   XXXX Account Number XXXX. I have sent multiple letters about the blatant errors this account is reporting. I sent a final letter very specifically detailing the errors contained in their reporting complete with credit reports showing the account reported differently on other bureaus. I got notification that they had completed the investigation today so I pulled my Experian report. Unfortunately, they did not follow the requirements of the Fair Credit Reporting Act ( FCRA ) as the status of the information shows it hasnt been updated since XX/XX/2019. So how can they say an investigation was done in XXXX? They also did not address any of the errors I pointed out or provide any documentation. I am requesting that you compel Experian to delete this account from my Experian report as it clearly does not meet the requirements of the FCRA of being accurate and consistent and they have not met their legal obligations. 


Thanks for you help in this matter, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following appears on my XXXX report stating the balances are due for XXXX  : XXXX XXXX XXXX, XXXX {$90.00} Open Date XX/XX/XXXX XXXX XXXX XXXX, XXXX {$170.00} Open Date XX/XX/XXXX My insurance policy was cancelled at the end of XXXX, and I was not covered under XXXX  - nor did I owe any money for time in-force The policy stated : if you do not pay the renewal premium on or before end of the insurance period, then the policy will be canceled. 

Consumers can not be charged for a terminated/canceled policy. Furthermore, I was covered by another insurance provider for/during the period they are trying to collect on.