23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is the continuation of an issue related to the service fee/mortgage insurance associated with Section 184 loans. Our current mortgage loan has reached a threshold of 77.9 % LTV and the service fee/mortgage insurance for XXXX  ( {$73.00} ) should not have been withdrawn from the escrow account. The fee should not be withdrawn any longer actually due to the LTV calculation and the confirmation from HUD that the amortization schedule associated with our loan is correct due to the remove of the upfront loan fee that is applied when the loan was first generated. This not only affected my loan but all other Section 184 loan LTV calculations as well. Due to incorrect LTV calculations I am uncertain how many of these types of loans have been having escrow withdrawals that were not necessary.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under Section 15USC1681 602 States I have the right to privacy 15USC1681 Section 604 A Section 2 it also states an 15USC1681 consumer reporting agency can not furnish an account without my written instructions Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. Please Update these accounts to Current and remove any late reporting 's that you have furnished please as it is a violation of my rights. 

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

This company has not provided any information to me relating to the debt, I don't believe this is my debt I've already filed a dispute with all 3 reporting agencies, this debt does not belong to me I'm in no contract or debt with these companies and they are reporting it even after I have disputedit ... ..pleaseremove from my credit
Product: Credit reporting or other personal consumer reports

I am following up on my most recent complaint concerning the lack of action regarding my request for the removal of inquiries from my Experian and XXXX credit reports. Once again, I am requesting the removal of inquiries resulting from alleged identity theft. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that such items be removed within four business days after XX/XX/XXXXXXXX XXXX XXXX This matter was previously raised in my complaint and is reiterated here alongside my new FTC report # XXXX. Please remove the following inquiries resulting from alleged identity theft : -- -- -- -- EXPERIAN : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to remove the listed inquiries will result in legal action. My attorney is fully informed of my intentions and is prepared to hold you accountable for noncompliance.
Product: Mortgage

The Bank simply refuses to provide me with an accounting of the total amount due to bring my balance current. I mailed a certified Debt Validation letter to them, and all they will provide is a payment history from XX/XX/XXXX - XX/XX/XXXX, a copy of the Note and Deed of Trust. They will not provide an accounting from XX/XX/XXXX to present at how they arrived at a {$180000.00} amount currently due. They remain in violation of the FDCPA and do n't care. I was hoping to work out a settlement or loan modification with them, but ca n't until I know what the real balance is .... not just an inflated amount they pulled out of their hat. At this point they just want to sell the home, and remain unwilling to comply with the law.
Product: Credit card or prepaid card

My Capital One credit card payment is usually due on the XXXX of the month. I made my payment to Capital one the morning of the XXXX but the statement said the payment was late and I was charged a {$40.00} late fee. I called and talked with XXXX and he advised that the fee could not be removed because the payment posted on the XXXX. I have included the statement and it shows that the fee was added on the XXXX. I like Capital one an I think that they are a good company. However, I am disputing the fee. 
I am requesting that XXXX correct the statement, remove the {$40.00} fee and also report to the credit bureaus the correct information that my payment was not late.,
Product: Debt collection

On XX/XX/XXXX I received a phone call from XXXX XXXX dispatch. I was asked if someone had attempted to serve me papers twice in the past week. I said no, because nobody has. 

The dispatcher, who was very kind, gave me a phone number XXXX. He told me to call the number and let them know that I have not been notified and to request a XXXX hour hold. 

When I called the number, the gentleman that I spoke to started off very nice but quickly became judgmental and rude. He asked if I could pay him money today and I said that I would not be able to pay anything until next Friday. He said " If you don't pay something today, your license will be suspended '' He asked why I couldn't pay anything today and I stated " because I have XXXX children and household bills that I just paid '' He laughed and said " so you can't afford to pay the loan but you can afford to get your license taken away '' I don't appreciate being talked to like I'm a piece of trash. Things happen and people are left with little to no choice at times. 

The outstanding loan is with Ace Cash Express and I can begin to pay my balance next Friday, XX/XX/XXXX.
Product: Debt collection

Someone from Cashnet USA calls my job daily. I have told them that I can't take personal phone calls at work, but they call everyday anyway. They are calling my work phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX, XXXX # XXXX has violated my rights.

15 U.S. 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

Greetings, I submitted a request for investigation to Equifax regarding a collection that is not able to be validated by the collection agency XXXX , XXXX. in the amount of {$460.00}. 

Under Confirmation # XXXX on XX/XX/2019 the following response was provided : XXXX , XXXX Account # XXXX >>> We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. We have verified that this item has been reported correctly. If you have additional questions about this item please contact : XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX Phone : ( XXXX ) XXXX Equifax did not provide any supporting documentation that shows the debt is valid. XXXX , XXXX. has been unable to validate the debt and because of their inability to validate, the other credit bureau ( s ) have been unable to validate the debt with XXXX , XXXX and have since removed the non-validated collection.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section XXXX XXXX XXXX XXXX, any fraudulent accounts that i did not authorized or signed a contract for must be removed off my credit report in XXXX  days. 

These fraudulent accounts are not only damaging my credit but also causing my significant stress and anxiety. I have no connection to these to these account accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Credit card or prepaid card

I traveled to XXXX from XXXX XXXX XXXX and attempted to use my card. It was declined and then my account was locked. I have tried to contact them twice, on XX/XX/XXXX and XX/XX/XXXX. I have been told both times that my account is under review and someone will be in contact with me. They are unable to give me a timeframe when this will happen. When I called on the XXXX I asked about the process to close my account. I was told that this is not possible until they complete their review. This is ridiculous that I am forced to keep a credit card under my name that I do not want, with a company that can not provide basic information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquires on my credit reports made in XXXX and XXXX that do not belong to me. They were placed their fraudulently. I filed a police report number XXXX and provided it to Equifax, XXXX and XXXX to have the fraudulently information removed as well as old Addresses and Name Variations who could have contributed to this issue along with documentation from the creditors proving their investigation deemed they were fraudulent and needed to be removes. The credit bureaus refuse to remove them and my disputes come back in a few days and inquiries are factual. This is not possible if they actually completed a full investigation and looked at the documentation. This is affecting my credit worthiness and my ability to obtain a place to live for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a statement by myself, XXXX XXXX in regard to an ongoing issue that I have been having with XXXX XXXX. As of XX/XX/2020, I signed up with a debt management company to help me pay off my credit card debt because I have a hardship. All of my creditors accepted the program without any issues, except for XXXX XXXX. I worked directly with my credit counselor Faith for over nine months trying to get XXXX XXXX to accept the program. The management company submitted over ten proposals to XXXX XXXX and every time XXXX XXXX would verbally tell Faith and I that send a new proposal and we will approve it, but they never did. Faith and I have called XXXX XXXX namouras times in an attempted to understand why the proposal was not getting approved even though we were told it would be. One of the supervisors we spoke with told us the reason it isnt getting approved is that my XXXX XXXX account was on an internal program ten years ago! However, I know for a fact this is just not true! I have tried for many years to have XXXX XXXX lower my interest rate and was told many times that even though I had good credit they would not lower my interest rate. So, I know for a fact that I was never on an internal program with XXXX XXXX. I proceeded to ask the supervisor to show me proof of this program. She said XXXX XXXX will pull the paperwork that I supposedly signed ten years ago for this internal program. Seven to ten days go by and Faith and I decided to call XXXX XXXX back, we spoke to another supervisor and she told us that XXXX  XXXX had no record of me being on an internal program however, they still will not put me on the money management program, and she had absolutely no explanation as to why XXXX XXXX was still refusing to accept the proposal from the money management company! 
Additionally, thought out this last year regardless of XXXX XXXX not approving the program, the money management company has consistently been making my payment to XXXX XXXX on my behalf every single month! ( please see attached invoices ) So, even though XXXX XXXX has been receiving my payment they have been reporting on my credit that they are not getting paid, which is a flat-out lie! And on top of reporting nonpayment, they have also been charging me almost {$2000.00} in overage and nonpayment fees. And for the month of XXXX, they reported the payment was late a week before the actual due date. I have filled many disputes with credit agencies with no results. 
If any further evidence is needed in order to get this issue resolved please let me know because the money management company has all our calls to XXXX XXXX record, and Im sure they will be more than willing to help with this issue!
Product: Vehicle loan or lease

I financed a vehicle with Exeter at a XXXX location in XXXX, Indiana on XX/XX/22. My fianc and I put down a downpayment of {$4000.00} and was told that itll be applied to the overall car. We traded in a XXXX which had negative equity of about XXXX. Looking over the contract, I do not show this being deducted from the pricing of the cars value itself. This is now resulting in the contract being null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 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 information is inaccurate.
Product: Credit card or prepaid card

I was a with THE HOME DEPOT/CBNA customer since 2017 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXXXX/XX/XXXX Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX is reporting inaccurate information with XXXX, XXXX, and TransUnion. 

XXXX is reporting Status Date XX/XX/2018 with positive payment history from XXXX XXXX, but late XXXX and XX/XX/2018 with positive payment made on XX/XX/2018. 

TransUnion is reporting Status Date XX/XX/2018 with positive payments from XXXX XXXX, but late XXXX and NO PAYMENTS HISTORY for XXXX and XXXX. 

Please remove/deleted this account per the Fair Credit Act 611
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not reporting properly on my credit report. Due to the inaccuracies, this is a FCRA violation and these account should be deleted immediately. 
I previous requested for these account to be investigated on XX/XX/22 and XX/XX/22. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 
XXXX
Product: Credit reporting or other personal consumer reports

Account # XXXX, CREDIT MY RENT INC XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX, IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 92 A. STATES I HAVE THE RIGHT TO FRIVACY.

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: Checking or savings account

On XX/XX/2017 I deposited {$960.00} to the new Chase atm in XXXX XXXX, Florida. The machine made a whirring sound for a few minutes and then stated that there an error and the atm gave a receipt. 

Sequence # XXXX " Deposit to Chk Acct XXXX This device has experienced a technical problem. To confirm that your last request was completed properly, please visit a chase bank or call XXXX ''. I did NOT leave the atm for about an hour, while I called the number and spoke with a representative that claimed she would credit my account {$960.00} within the hour while the issue was under investigation by the claims department. The money was not deposited the next day so I had to call back & the claims department saw no record of that being told to me. They credited my account the {$960.00} and took information from me in case they had to reach me for any questions concerning the investigation. 
XX/XX/XXXX, {$960.00} was taken out of my account without any notice from Chase Bank 's Claim Department. I called and was told that there was no money in the atm and the claim was denied. I was also told that they would not look at the camera. I went INTO the branch & the branch manager,  XXXX, said she would personally look into it. She called the Claims Department and faxed over the receipt that stated there was an atm error with my deposit. The " Escalations '' department stated that they would resolve the issue in 24 hours. They did not. The branch manager called back and they told her they never said that. Even the branch manager stated that she has never seen such incompetence in 15 years at her job. The Escalations Department then claimed it would take 7-10 business days. I have no heard anything and called them today, spoke to 4 people in 20 minutes and finally spoke with " XXXX '' who stated it was against company policy to give an agent #. XXXX told me the claim was denied, that they looked at the video and did n't see anything which is a LIE. So either, the guy who checked the atm stole {$960.00} from a single mother who had never over drafted or Chase Escalations Department defrauded me out of {$960.00}. I do  not understand how this is even remotely acceptable. XXXX told me his supervisor would call me in 24-48 hrs to tell me  what he already said. I told him I wanted this resolved and he said the issue was resolved but I just did n't want to accept it.
Product: Credit card or prepaid card

I have a  walmart  card with synchorny bank. I had a  XXXX  limit, I just recivied a letter from them that they have reduced my credit limit from  XXXX  to  XXXX  i owe  XXXX . This decision was based on my other creditors on my credit report and the fact i was late  XXXX  time this year. First my credit is not good due to a lot of things namely a divorce this past yaer and hurricanes and what not. I would have no problem with my limit being reduced but not to the point it puts me at 100 % now my score will tank  XXXX  more points. Its not bad enough the late payments hurt you like they do, but this is just plain underhanded.     How can they base your credit on another creditor thats is not fair in any and it should not be legal. For  XXXX  a big bank amazon picked the wrong partner. Unfair credit practices.
Product: Credit card or prepaid card

I made a payment from my bank account on XX/XX/XXXX to XXXX XXXX Credit Card. They received my payment on XX/XX/XXXX. The Due date is XX/XX/XXXX. I was online getting ready to make my XXXX payment when I saw the late fee. They said I am late because they applied the payment on XX/XX/XXXX, even though they received my payment on XX/XX/XXXX. I think this is illegal and wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion will not allow me to dispute a collection account that isn't mine, and for which the " aging date '' has changed multiple times ( in approximately 4+ years ). 

My credit score has been incorrectly, negatively, impacted.
Product: Credit card

I am disputing the collection account with WAKEFIELD amp ASSOCIATES, account numberXXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that WAKEFIELD amp ASSOCIATES, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I initiated complaint # XXXX with the CFPB regarding potential fraudulent actions related to a hard inquiry on my Equifax credit report. As a response, the XXXX XXXX XXXXXXXX XXXX XXXX sent me a letter confirming that the hard inquiry was not initiated by me. They stated that they would send this confirmation to the Equifax credit bureau and requested me to wait for up to 30 days. 

As of XX/XX/2023, the hard inquiry still appeared on my Equifax report. I contacted the XXXX XXXX XXXX XXXX XXXX to verify if they had sent the confirmation to Equifax. On XX/XX/2023, an associate from XXXXXXXX XXXX  contacted me by phone and confirmed that the request to remove the hard inquiry had been sent to Equifax in XX/XX/2023. 

On XX/XX/2023, I initiated a dispute regarding the hard inquiry with Equifax. However, as a result of the dispute, I received a message instructing me to contact the agency that initiated the hard inquiry and ask them to report the changes to Equifax. This seems to be an infinite loop, suggesting that either one of the mentioned institutions did not send a confirmation or did not accept it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to BOTH credit bureaus- XXXX and XXXX disputing this Account with ( XXXXXXXX XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''account status '', ''dispute status '' and ''date of last activity ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. NEITHER CREDIT BUREAU IS SHOWING A ACTUAL ''CLOSED DATE '' or ''VERIFIED DATE '' FOR THIS ACCOUNT.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Debt collection

This debt by PERSLOV LLC was idetified as link to Idenity theft 4 years ago all accounts were resloved with the bueuros but this company PERSOLVE LLC has reported it.