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

Experian drop my credit score by 28 point. Im mortgage company sold my account to another company. Other than one new. Credit card account there 's been no changes. How do my score drop 28 point. I believe this is unfair scoring.
Product: Credit reporting or other personal consumer reports

There are an accurate information on my credit report on the hard inquiries. I was a victim of identity, theft, and the year of 2022. I do not recognize These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as XXXX XXXX I did give permission for them to pull my credit one time. It seems that the credit bureau allowed XXXX XXXX to pull my credit several times I need this corrected and for them to be removed.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an inquiry that I do not recognize and did not authorize. I have never applied to or given consent for this company to access my credit information. This is causing me significant stress and anxiety, and I am deeply concerned about how this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts with the credit bureaus to no avail. these accounts do not belong to me and need to be removed. the credit bureaus are in violation of the FCRA.
Product: Mortgage

We have been in refinancing process since XXXX XXXX, 2016. Our Loan officer is XXXX XXXX XXXX number XXXX. We have done evrything required in our part in a timely manner. We want to refinace to lower our interest rate not to pull out money. We thought it would only take about two months since everything is good our credit scores i payed off a medical bill which they did n't let me know until about 3 wks ago. So I payed it off. I keep calling texting my loan officer no response we are close to closing our loan but he does n't call us or get in touch with us. It 's not fair our time and money are valuable. He has extended our interest rate twice and I think is prolonging it to give us a higher rate since interest rates are going up. Please help, I do n't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : CXXXX 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: Debt collection

I have been receiving multiple calls a day on my home phone as well as on my cell phone, from morning to evening, from representatives of U.S.A.A. concerning an outstanding credit card debt of mines. The frequency of the calls has now become harassment. I started receiving frequent calls from this company months ago, I spoke with a representative from the company about my debt and explained that I was experiencing a financial hardship and would be making a small payment at that time, and that I would pay more on the debt as I was able to do so. I followed through with my promise to pay, but this did not stop the calls, within this last month I have been receiving multiple calls every three days  ... non stop ( morning to night ). Even after making payments, the calls still keep coming. Two weeks ago I made a substantial payment and I made another substantial payment on Friday, XX/XX/XXXX. However, Monday morning, XX/XX/XXXX, I received another call from U.S.A.A. requesting another payment, and each time that I do speak with a representative from U.S.A.A. I feel as though I am being integrated about why I am unable to pay, as well as pressured and coerced into making a payment. I expressed to the representative that I had just spoken with someone concerning this matter three days ago and that I had spoke to several representative prior to that time, and that my situation had not changed within the past three days. The representative then told me that it is their policy at U.S.A.A. to call the consumer every three days to collect on the debt. On Monday, XX/XX/XXXX the U.S.A.A. representative even went as far as to ask me ... Why I could no longer make consistent payments? If I received unemployment? If I could borrow the money from a family member, when I explained to her that I was currently out of work. And she then followed up by telling me that if she was unemployed what she would do in order to make the payment, which I found to be very discourteous, offensive, humiliating and insulting. I then told her that I would make a payment on this coming Friday, XX/XX/XXXX for the entire amount, just to end the phone conversation because I was so upset at this point. Today, XX/XX/XXXX like, as promised by the representative on XXXX XXXX, I received another call from a U.S.A.A. representative concerning the same debt, who once again began to harass me and pressure me into paying, even after I stated to the representative on XXXX XXXX that I would be making the payment in full on XX/XX/XXXX. I have since borrowed the money as instructed by the representative on XXXX XXXX and I will be making the payment in full on XX/XX/XXXX if everything goes as planned. But meanwhile, I want the harassment to stop and I wish for all communication with U.S.A.A. to be by letter form only.
Product: Payday loan, title loan, or personal loan

I obtained a personal installment loan from One Main in the amount of {$5000.00} about a year ago. On the evening of XX/XX/XXXX, I  was contacted by a loan representative located in the XXXX XXXX   Branch office. The loan representative failed to identify herself. 

I was contacted by a representative who was calling to collect my XX/XX/XXXX loan payment. I explained to the loan representative I would be making my payment on XX/XX/XXXX, because I was at work and in a meeting. 

The loan representative insisted I pay immediately the month of XX/XX/XXXX and for the month of XX/XX/XXXX which was not due yet. The month of XX/XX/XXXX, was not due yet and has a 15 day grace period to pay. 

I explained to the representative I was not going to pay for XX/XX/XXXX because it was not due yet. Further, I again explained I would be making my XX/XX/XXXX payment on XX/XX/XXXX. 

The loan representative then handed the phone to Branch Manager XXXX XXXX XXXX. XXXX XXXX demanded I explain to her why I was late making my loan payment. 
I responded I would be making my loan payment on XX/XX/XXXX, and I did not have to explain why I was making my payment on that day. 

XXXX XXXX then proceeded to threaten, intimidate, and scare me with legal action. 
XXXX XXXX insisted I pay for my loan payment of XX/XX/XXXX which was not due yet. 

XXXX XXXX threats in attempting to collect a debt are illegal, unethical, abusive harassment and prohibited by the Fair Debt Collection Practices Act as stated by the Federal Trade Commission. 

Branch Manager XXXX XXXX XXXX and her associates intentionally practice unethical business practices, by threatening and intimidating loan customers when collecting late loan payments. These illegal collection practice using threats and intimidation to place loan customers in fear to pay is illegal and must be stopped.
Product: Credit card or prepaid card

XX/XX/2020 : I received correspondence from Synchrony Bank ( PayPal Credit Account ) indicating a non approval for a credit line increase I had requested. 
I do not have an account which I was aware of with this bank and have never used this account, or made any requests with this bank. In addition I have never approved this account to be opened and they do not have my signature requesting an account. I have never received any billing information regarding this account and only became aware of it's existence upon receiving the letter dated XX/XX/2020. 
I called the number listed on the letter and informed them of the above. 

XX/XX/2020 : I received correspondence from Synchrony Bank indicating they were closing the account, contacting the credit reporting agencies, and starting a fraud investigation. 

XX/XX/2020 : I received a rejection letter from Synchrony Bank regarding a request to open an account and the rejection was for closure of the PayPal Credit Account. Why would I request to open an account when I had just requested closure for one? 

XX/XX/2020 : I received a fraud investigation form and completed and returned it within 5 days. I indicated that the strange charges appeared to be to individuals and not legitimate businesses. 

XX/XX/2020 : I received notification from Synchrony Bank indicating they were unable to approve my fraud claim due to : " Account opened greater than 1 year with verifiable payment history. ''
Product: Money transfer, virtual currency, or money service

To whom this may concern, PayPal permanently closed my account because they said that I have violated their Acceptable Use Policy, specifically the sale of unapproved file sharing services and will not help me with getting it back up and going or even do anything about it on their end to make things clear and resolved. I am not sure if this is some mistake as I assume it has to be because I do not use nor do file sharing services. I have been doing business with Paypal for months and I'm not even doing anything wrong. No business is perfect and in times of chargeback or disputes, I give the full refund to the customer and make sure all cases are closed, so nothing wrong there. I have not been able to get help from them for months but I just remembered I could file a report here as I feel they are not doing their job properly and wouldn't even care to resolve things the right and just way and it is affecting me a great deal as I used PayPal daily for a long time now. My email linked to my PayPal is " XXXX ''
Product: Debt collection

They have harassed me for MONTHS. They threaten me and tell me I can go to jail. I have told them they have the wrong person. I wrote them a letter stating I am not this person and to stop harassing me. They continue. I block their phone numbers and they call on a differ ent one. I jus t contacted them. I spoke with "  XXXX  '' who refused to tell me her last name, or her title, or her supervisor and said that " I better pay ''. This is beyond absurd. In this letter it states that the original creditar is "  XXXX  ''. I have NEVER had an account with  XXXX . Never. They also have the name as "  XXXX   XXXX  '' My birth name is  XXXX   XXXX   XXXX  and it has never changed in my   XXXX   years. No matter what I do, they continue to harass me. The name of the  Collection Agency according to the one piece of mail that was sent to me is SOURCE RM
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation late payments on credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation late payments loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRCA Violation collection LVNV FUNDING LLC XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX showed up on my report. I was puzzled when I saw that it was from XXXX  Children Hospital as I have no children and have no knowledge of owing a children hospital any money since Im not a child. I believe that this is unfair reporting under FCRA. I am still puzzled as to how someone acquired my ss # to charge me for a child medical bill.
Product: Debt collection

I extended credit to XXXX XXXX XXXX for the amount of {$200.00}. After the account became n the negative, I settled the debt without being notified of my right to dispute. According to the FCRA I HAVE THE RIGHT TO DISPUTE any and all information on my credit file. Section 623 ( e ) prohibits information furnished from providing information to a CRA that they know or a reasonable cause to believe is inaccurate. Upon looking at my credit file, how can a third party debt collector radius global solutions verify any information due to the fact we never entered into a contract together. Attached you will see all the inaccuracies that are being reported on my file. The date last active are showing two different dates and the date of last payment are showing two different dates. Under payment status it shows unknown on one and the other it shows collection/chargeroff. Also, the last reported dates are different. Now, they have violated me several times under the FCRA ( 15 USC 1681, 1681e, and 1692g. I will be forced to file a law suit and contact my Attorney General, XXXX, and the FTC.
Product: Mortgage

My current servicer, XXXX XXXX XXXX, has a charge on my monthly mortgage statement of {$1800.00}. They can not provide me with an explanation for the charge and only state that the amount has been transferred to them from Mr. Cooper. I would like an explanation of the {$1800.00} that Mr. Cooper transferred to XXXX XXXX XXXX.
Product: Mortgage

My mortgage was recently taken over by NewRez/Shellpoint from XXXX, effective XX/XX/XXXX. My XX/XX/XXXX auto payment was collected by XXXX and sen to NewRez without a problem ( that I know of. ) On XX/XX/XXXX I called NewRez as I was concerned that my monthly payment had not drafted out of my account as it was supposed to. I also went online to check the status of the auto payments. The amount showing was not what I had set with XXXX, it was for the minimum due on the mortgage and escrow account. The rep told me that he would delete the recurring payment information so that I may update it with the amount I preferred to pay. I asked if the minimum amount was going to draft anyway, to which is stated no, but to check in a couple of days to be sure. I then proceeded to update my preferred auto payment amount and the site read that the change would be effective XX/XX/XXXX. I planned to wait on making the XX/XX/XXXX payment until I made sure that it did not draft out of my bank automatically. Next time I check, the original payment had been drafted out of my bank on XX/XX/XXXX and a second draft for my updated amount was done on XX/XX/XXXX, resulting in NSF when other payments I had made tried to clear. I have contacted NewRez 3 more times trying to get my money refunded and have provided the proof of the double draft. One rep told me ( XX/XX/XXXX ) that it would take 24-48 hours for the funds to be returned and when I called again on XX/XX/XXXX to check the status, the timeframe changed to 10-15 business days. On top of all of this, my account does not reflect the 2 payments collected in XX/XX/XXXX ; it only has ever reflected the payment from XX/XX/XXXX. No one could answer where my other payment was. Had it credited for XXXX, this would not be such a big deal, but money was taken from my bank without authorization and did not reflect a credit with NewRez. This, in my opinion, amounts to wire fraud and based other other consumer complaints I have read on XXXX is a rampant problem with this lender/servicer.
Product: Student loan

I received an mail from ECSI about a student balance due to XXXX. I don't remember having any balance due since I graduated in XX/XX/year>. The last time I completed a course was the summer of XXXX.
Product: Mortgage

I filed for COVID forbearance because I was not able to pay. I received Mortgage assistance. I dont know if the mortgage assistance was applied correctly because the second Principal balance still seems high. I am currently paying my mortgage on time. I am just concerned that Wells Fargo may have added additional unnecessary interest and fees that were not supposed to be added if I had the COVID Forbearance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Mortgage

We Filed a chapter XXXX XXXX, every since US Bank has purposely tried to undermine our mortgage with deceptive practice. They refuse to give amortization of loan since XXXX to date. Giving false principal amounts, and claiming they only have XXXX amortization because of the modification they done, which we never seen nor signed nor heard of, this their basis for taking over the escrow, they refused to send escrow check to pay taxes in XXXX like before bankruptcy claiming we authorized them to pay our taxes which we never did prior to bankruptcy, we have always paid our own taxes. Since they took over our escrow they lie claiming taxes are paid on a specific day for example this year US Bank claimed they paid our taxes on the XXXX of XXXX but in reality they actually waited until the end of XXXX XXXX to pay at the last minute, last year they paid XXXX XXXX, XXXX. This has happen for three years while we were in bankruptcy. Now their new tactic is they are not reporting our mortgage account to the credit bureau and has not going on 4 years during and after discharge of Bankruptcy which was XXXX XXXX, XXXX to date Us Bank home mortgage has not reported our account to show we are up to date in our credit report. Can Something be done about the way they continue to deceptively handle our mortgage lying about modifications when there was none just to take over our escrow account and then not report to credit bureau and refusing to give amortization of original loan history from XXXX through XXXX claiming they do n't have it. We want our amortization loan, payment history, and true principal balance of what we actually owe, and see actual payment history of payments from court applied during Bankruptcy, because principal is incorrect since XXXX to XXXX. Plus they owe us a refund for late fees charged during bankruptcy because those fees were included in arrears paid in full and such fees were suppose to be submitted to the court when asked at such time.
Product: Credit card or prepaid card

My account was fraudulently withdrawn from over 5 times for a transaction amount of XXXX $ each time. The bank canceled out my card because of this activity, and even told me I was experiencing fraud on my account. Yet, now my account is XXXX in the negative, worse situation than I would've been in if I wouldn't have ever called to let them know the suspicious activity that was going on on my account. This is not fair to me or my family at a time like this. Bank of America 's representatives even tried to accuse me of the fraudulent activity. My account has been tampered with ever since the pandemic. This is really not fair to me. And I will be hiring a lawyer to subpoena the owner of that ATM, because I need to get to the bottom of this and be REIMBURSED for the changes I have been taken through! I should not have to suffer from the bad end of this, when none of this is my doing or my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Checking or savings account

Cash App has a boost offer where if you receive {$300.00} in direct deposits from your employer you are supposed to receive {$30.00} off any purchase you receive over {$30.00}. I signed up for direct deposit using the information provided to me by cash app and on XX/XX/XXXX my employer issued my direct deposit payment to Cash App for my salary. Cash App held the deposit for a few days and ultimately returned it to my employer. I feel I should be entitled to the {$30.00} offered through the promotion since I used the information that was provided to me by Cash App. I have submitted documentation to show the setup of the account in our payroll system, I have sent copies of my paystub showing the deposit, I have sent the notice I received from the payroll specialist at work but they refuse to honor the promotion they have offered.