23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/18 I received an email from XXXX at XXXX saying that they closed down my account without any prior notice due to the following reasons. 

" Time since unsecured loan opened Derogatory public record or collection filed Length of time accounts have been established '' I gave them a call on XX/XX/18 at XXXX XXXX when their office opened to ask why they were my closing my account out of no where. They explained to me that they reviewed my account/ my credit report and they said because of the above reasons they have to close my account. They said it was closed permanently and there was no appeal process or anything I could do about it to reverse the decision. When I asked to speak to a supervisor I was told they were not available. 

I just recently paid off my balance in full for this account a month before they closed my account. My credit score is in the 700 's as well as I've had this credit card for over two years. They are my longest credit card length on my report. 

The unsecured loan they are talking about has just been paid off a week prior to them closing my account so it hasn't even gotten a chance to reported onto my credit as paid off. The collection on my account was a medical bill from a year and a half ago that was paid by a car accident settlement that I had to wait months to be paid out. As well as, it has been on my credit report for the two times XXXX has increased my credit limit and it was never a problem. Also, the lengths of the time my credit has been established makes no sense because they are my longest credit card I've had. 

I feel as though I have been unfairly treated by XXXX. My account was reviewed without my knowledge and closed without out any warning or notice. There is no appeal process and they are closing my longest standing credit card that I have. Them closing my account will affect my credit in tremendous ways including my credit length, my available credit line amount, as well as having a closed account on my credit report. Again as I stated before, I've been with them for over two years, my account was paid off, and my credit is in the 700 's. I just don't understand why my account had to be closed when they just raised my credit limit XXXX a few months prior.
Product: Vehicle loan or lease

Should not still be on credit report veical was repo over 7 years ago
Product: Credit reporting 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX 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: Debt collection

Cherry Technologies has 2 fraudulent accounts on my consumer reports. XXXX XXXX Charge off. Opened XXXX XXXX. {$120.00} This is Identity Theft I filed an Identity Theft Affidavit and Police Report registered notarized and signed mail received XXXX XXXX XXXX by XXXX, XXXX, XXXX, it still has not been removed. Please Delete both accounts immediately. On XXXX XXXX XXXX XXXX XX/XX/XXXX {$920.00} Charged off and XXXX XXXXXXXX {$120.00} Charged off. Opened XX/XX/XXXX amount {$120.00}. Delete both accounts fraud. XXXX both listed Charge offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I discovered that my debt had been sold or transferred to XXXX XXXX without my prior written consent. The original debt was with XXXX and was for {$1100.00}. I did not provide written consent for the sale or transfer of my debt, and I was not notified of the change based on FDCPA Section 1692c ( f ) this is illegal and needs to be deleted from my credit report.
Product: Mortgage

1. Escrow funds not applied correctly to renew Home Insurance causing me additional payment {$790.00} for the lapse in coverage.

2. Raised complaint in 2020 ( XXXX ) and they agreed to refund this amount. 
3. From XXXX I have been following up and they tell me I will receive a check within 60 days but nothing comes, I call again and they keep telling me the same. Escalated to manager several times but no action. No responses to email. I spent countless hours on the phone to settle things more than a year.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these items are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any items are reporting inaccurately on my credit report they should be removed immediately XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Equifax, XXXX, and XXXX for inaccurately reporting information on my credit report, which has caused significant financial harm to me. 

Recently, I applied for a home loan, but my application was denied due to my credit score being lower than expected. Upon reviewing my credit report, I discovered several errors, including incorrect dates, amounts, addresses and phone numbers. I took it a step further and highlighted the mistakes for them but nothing.These errors have significantly impacted my credit score and cost me the opportunity to secure a home loan. 

I have made several attempts to dispute these inaccuracies with the credit reporting agencies, but to no avail. Despite providing evidence that these items were either paid off or never even occurred, the agencies have refused to correct their mistakes. 

As a responsible consumer, I have always made timely payments and maintained a good credit history. It is unacceptable that the carelessness of these credit reporting agencies has caused me undue financial hardship. 

Therefore, I am seeking your assistance in rectifying this situation. I request that Equifax, XXXX, and XXXX thoroughly investigate and correct the inaccuracies on my credit report. Additionally, I urge the CFPB to hold these agencies accountable for their negligence and to take necessary measures to ensure that this does not happen to other consumers. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This debt is paid in full collection agency stayed the send the updated to all three bureus on XXXX/XXXX/XXXX
Product: Debt collection

I don't recall having a contractual relationship with this collection company CLARK COUNTY COLLECTION. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed bankruptcy in 2015, i had an attorney, was told that i had to report all properties, i did, i told my attorney that i did n't want my vehicle nor my house involved in the bankruptcy because all of my payments on the house and the vehicle were on time, i was told by my attorney to continue paying my mortgage and the loan payment that i borrowed on my suv, i made the payments until i paid it out, never missed a payment, the same with my mortgage up to date nothing late, then i found out that these   XXXX    accounts were being reported as closed, this is a lie i paid that loan out, and my mortgage is showing closed also, this is wrong, on behalf of the bankruptcy court, i already filed bankruptcy which is making my credit bad and then this happens. what happened to the FCRA, i ; m being discriminated against, my rights are being violated by the federal gouvernment. what do you need FCRA if it is not being carried out as stated. i need this corrected, it 's making my credit report look worse than it really is. my rights are being violated, their are other accounts on my report that needs work also.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I sent a certified letter to LexisNexis requesting them to validate a bankruptcy and the associated accounts on my LexisNexis credit report. I told them if they could not validate this debt, I want it removed from my credit report. On XX/XX/XXXX they received the letter. Today isXX/XX/XXXX and I have yet to get any response from them, therefore violating the 30 days they have to respond from the date it was received.
Product: Credit reporting or other personal consumer reports

writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account : XXXX  XXXX XXXX number account XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

To whom it may concern, I have been seeking for help in regards to my mortgage, and I have been paying different company and this last on company XXXX XXXX XXXX is the last. We been on and off to the court and tried to save my house for the sake of my kids and myself. When I got divorce I was dealing with XXXX who was my servicer before Ocwen. I applied for hardship to XXXX before explaining the hardship they denied my application but they were accepting my payments for a year every month paid them {$1500.00} till XXXX on XXXX from there I stop paying XXXX because they told me that my payment was not applied to my mortgage. Ever since then I was n't paying anything to XXXX then find out later my new servicer is Ocwen. Ocwen been really determined to take away my house for years and they cant even provide me the orginal note that stating they own my home. I am hoping will someone can help me. Paying this company filing cost and her service draining me out. We tried to modified my mortgage they approve me twice but the trial payments they givin me was too much for me to pay so I refused to pay the trial payment because I assumed to modified my mortgage is to lower my monthly payment but its more that what I have to pay. I am a single mother and I was divorce and im the only name in the mortgage but my ex is still in the deed but he is not helping me to save the house because my name on the line. It has been so emotional hurtful for me and my kids are affected to the situation scared to be someday thinking we going to be on the street or asking help from the government for homeless people. I tried my best to have my family be on the good shelter and have maintain job to support our needs as mother. We do n't want to be a burden to the government and just tried to keep this house to the level of what we can afford. I am sure XXXX XXXX XXXX did illegal documenting my mortgage and Ocwen as my servicer can provide the facts original note to present to me that they own my home ... I am asking your help in regards to my situation. Ocwen is giving me a hard time and every time they tried to sale my house it feels like im going to die for all this emotional worries and scared where we gon na live if they take my house. I have been representing myself in court with the help of this company XXXX XXXX XXXX. Please help me ...
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been calling, and sending letters to Capital One credit card company for over 6 months up until XX/XX/XXXX. I called Capital One on XX/XX/XXXX and spoke with an agent about the XXXX late payments on my credit report, I asked why were they reported, and the agent responded that the payment was made on the XXXX, or XXXX when the due date is the XXXX of every month. For those 3 months XXXX, XXXX, & XX/XX/XXXX, I called the company and let them know that I wasn't receiving my entire paycheck because of the pandemic. I was making payments but not the full amount. After the XXXX late payments, I have never been late known after. My account is still open and is in good standing. Also, the agent has removed a late payment and refunded my account for the late payment I was charged, and she was unable to do the others because the date was over 60 days, which is not true after reading the consumer law. All 3 credit bureaus are reporting late payments.
Product: Debt collection

My personal information, such as my I.D, my debit card numbers, social security card and birth certificate, has been stolen and comprised. I reordered my debit card, social security card and I.D . I also went to the police and made a report.
Product: Debt collection

This is in response to complaint XXXX. These are considered stall tactics. I will not be contacting the original debtor because they sold the debt to you hence why you are trying to collect this debt from me, they are no longer pursuing so I will not be contacting them. Again, what you sent me was VERIFICATION -- -which are bills, receipts, itemized statements, that is not what I asked for. I asked for VALIDATION -- which would be a promissory note or contract with my ORIGINAL SIGNATURE. In your complaint you stated it would be part of my medical record to obtain this. That is not true.Having worked in the medical field, you can request the signature page of what the consumer signed that contains no information that would violate HIPPA. Now I have asked for validation several times and you have yet to provide. If you continue to not provide this info and break these Federal laws, I will be forced to take this complaint to a higher level. I have no issue with suing your company for failure to provide the requested info and that was supposed to be done months ago and I will spend the money to take you to court!!!
Product: Mortgage

Mr Cooper has misapplied a payment I have made, this is my second time opening a CFPB complaint with them over this after they sent me a response claiming that they could not do anything about this because they sold my mortgage to XXXX, which I found out to be a lie. I have now been reported as delinquent to credit agencies effectively destroying my credit. Here was part of my original complaint in quotations : " I have been in the middle of a loan modification over a covid forbearance plan i was on, during the modification Mr. Cooper my loan servicer did not apply a payment correctly, this was corrected and I was sent documents to sign while I was on vacation with no notice of this. When I got back I called Mr Cooper and they told me it was OK as long as they are sent by the end of the month, which they were. My modification documents were received on time ( admitted in a recorded call by Mr Cooper ) and they told me to wait and do not pay for the month of XXXX yet. I waited and called again and they stated on a phone call also recorded by the company that they were sending new documents to resign and be patient. I continued to wait into XXXX when I called again, I was told to continue waiting. Eventually on XX/XX/XXXX I called again and was told that there are no new documents and that I need to just make the XXXX and XXXX payments for the modification to finalize. I made a payment to that representative for {$3000.00} as shown in my bank statement attached, in a recorded call again by the company, to go to the XXXX and XXXX payments. Days later my mortgage was transferred to XXXXXXXX XXXX XXXX. Now XXXX XXXX XXXX displays my XXXX payment as missed and are threatening to put me in collections. I had a three way conversation with Mr Cooper and XXXX  on XX/XX/XXXX, recorded by both companies, to which I was told after an hour of the Mr Cooper representative looking into it that it clearly was paid but not applied, that it was instead applied to " bookings '' and that I should just pay the XXXX payment. Since all of this I have submitted a complaint against Mr Cooper to the CFPB which Mr Cooper did nothing about but pass blame on to XXXX. XXXX acknowledged this issue multiple times in many calls over the past few months, I have been told on multiple recorded calls that the problem will be taken care of only to recieve a call from XXXX a week later saying that I'm still behind. XXXX now claims this issue is on Mr Cooper which it clearly is because they are the ones who messed up the accounting. " Mr Cooper as, now shown in their previous response, has applied the XX/XX/XXXX payment to the XXXX of XXXX payment, when I was under the CARES act forbearance.

Mr Coopers claim that they can not do anything about this does not put them off the hook for their responsibility. They made this mistake and are responsible for fixing it regardless of their so called ability to do so, as according to RESPA. The attached file is Mr Coopers previous answer to me with all the misapplied payments detailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

The IKEA Project credit card company refused to explain how they allocate my payments to the three promotional purchases outstanding which each have a different ending date on the promotional interest rates. I have three promotional purchase balances and one of which is set to expire on XX/XX/XXXX. After the expiration, that remaining balance will be charged interest. I am trying to avoid paying interest on that balance and have even sent in additional payments to be applied to that upcoming ending balance. The company when asked to explain how they determine how my payment of {$300.00} ( which is above the minimum due ) is applied to each balance, I am told they do not know how those are done and can not explain to me that I just have to keep making payments until the promotional balance is paid. I am not able to apply extra payments directly to a promotional balance. I have called many times and they are simply refusing to help or even give me guidance other than just to send extra payments in and then call in and request that money is applied, however the operators are not able to give an up to date remaining balance on accounts until the statement closes, so there is no way to know how much to allocate to each account. Today the company has disconnected my calls with them twice as I was trying to resolve this again. I call today, XX/XX/XXXX at XXXX cst for XXXX minutes and was disconnected, I called again on XX/XX/XXXX at XXXX and was disconnected after XXXX minutes on the line. I have not recieved a call back and I am still uncertain if any additional payments above the minimum due will be applied to the most current ending promotional balance. I should have control over applying payments to promotional balances especially those due to expire soon. My statements do not show the minimum due on each promotional balance, the statement just shows a minimum due on the account as a whole. There is not a way to understand how the company allocates the additional payments above the due amount to the remaining promotional balances. When calls are made to teh company to understand and clarify, the calls are meant with aggressive representative and calls are then disconnected purposely.