23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed on my home XX/XX/XXXX. I have never missed or been late on a payment. My property tax and insurance was not calculated properly resulting in a shortage in escrow. My payments increased which I can not afford at the moment. I have been trying to get caught up on expenses since the purchase. I am making progress however I need more time. I was making payments to XXXX since XX/XX/XXXX. When they notified me of the increase, they have me the option of spreading the escrow over 24 months ( see attached ). I have been doing that since to get caught up. They sold their accounts to another company, XXXX XXXX XXXX. I started making payments to XXXX XXXX XXXX   XX/XX/XXXX. I informed them immediately that I was paying escrow spread out by 24 months and that it needed to remain that way as I had it set up with XXXX. They told me it would not be a problem and that I would see it on my next statement. I never received a response and when I called them 3 days ago to follow up, they told me I was denied it to be spread out over 24 months because it fell within a certain % threshold. I have never heard of anything like that. XXXX always asked me how much I could spread it. XXXX even offered to spread it out further than 24 months if I needed it. Please help as I can not afford this increase in payments. I take protecting my credit seriously as I do not want to fall behind in payments. This can not be fair and I should not be forced to stay with this company under their new rules if they are not making the same accommodations as XXXX. I did not make a decision to do business with them, my account was transferred and should have remained with the current escrow spread-out setup. I was paying {$1300.00} with XXXX. With XXXX XXXX, I am paying {$1400.00} because they will not allow it to be spread out more than 12 months which I believe violates my consumer rights. Lastly, they are saying I owe a late fee on my account, however I do not owe them any late fees. Even though they said not to worry about it, it still appears on my statement every month. The payment system does not say I have a late fee when making the payment, however online, it does. This needs to be removed because when I print my statements for personal needs, it will show I have a late fee. Overall, this company is very unorganized and does not resolve customer issues the way they should. The process for this transfer was not seamless and has caused many problems at the cost of the consumer.
Product: Credit reporting or other personal consumer reports

Simple timing issue. I sold my house and the payoff amount was held up because a check was sent to the bank instead of a wire. Ok, no problem, but then the XXXX never informed me that a check wasn't acceptable and instead of letting me know so I can have the new buyer send the wire, they never informed me and just hit my credit with 30 days late. That's insane especially since they DID receive payment on time and NEVER to date let me know. If I didn't monitor my credit I still would have no knowledge of my account being late. 

As of now the account is paid off and I just want the 30 days late removed from my credit
Product: Credit card or prepaid card

I have a XXXXXXXX XXXX XXXX XXXXXXXX through Comenity Bank. For several days I have tried to access my account online and their site is down. The banner on the top of the page says they are sorry for the inconvenience and that this is a planned system update. Further, you can not in any way reach them by phone. When you call the customer service number, you are ultimately disconnected. I have looked online and hundreds, if not thousands, of Comenity customers are going through this same thing. You can not access your account online, they do not answer their phones and you can not make a payment. If you try to use your card, all charges are declined. A system update that takes over a week?? Completely unacceptable, and I fully believe there is something else going on here that is not being disclosed. Whether that is a buyout or they have been hacked, who knows.
Product: Vehicle loan or lease

on XX/XX/23 I spoke XXXX XXXX a sales consultant at Mercedes Benz of XXXX he sent me a picture of what looks to be a contract with what would be my numbers he specifically said pending credit approval, they ran my credit multiple times again with out me knowing exactly how many times just to tell me that unfortunately the bank 's did not give me an approval, their advertising states that everyone can get approve, I have been lied to and cheated on with their scams.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with representatives at each of the bureaus to advise I have been a victim of identity theft as well as exposed to the Equifax data breach and wanted to unauthorized accounts and inquiries that were placed on my report as impermissible use to be deleted. I was told to mail or fax in FTC report along with a notarized affidavit for the account and inquiries in question that were fraud and they have failed to comply with the law. I never authorized anyone to pull my credit nor did I give anyone permission to report any information to my credit profile without my written consent, this is a clear violation of my rights under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person. This makes me feel like the bureaus don't have to follow the law and its causing me too much stress when I'm the one who is suffering as a victim. Its 45 days
Product: Credit reporting or other personal consumer reports

A XXXX ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX  days since I filed my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$1400.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card or prepaid card

On XX/XX/2020, I made a payment of {$1000.00} on my XXXX Visa account, which would have reduced my balance at the time to no more than $ XXXX. XXXX sent me an email message confirming my {$1000.00} deposit. My XXXX XXXX XXXX statement also indicated that {$1000.00} had been withdrawn from my checking account. Several days later, I checked my XXXX account and noticed that I had only been credited with {$110.00}, an amount I had never made. Since then, I have made numerous phone calls to XXXX and have been assured that the issue either : 1. Is being investigated ; 2. Is being corrected ; or 3. Has been corrected. However, the missing {$880.00} has never been applied to my account. A cursory check of my account by myself not only indicates that the missing amount has never been applied but that there may be additional errors. I have made numerous requests for an audit and have been assured repeatedly that I would receive it, but none has been forthcoming. In addition, XXXX declined payment on my card on numerous occasions, despite the fact that I have never been late making payments on my account. I have ceased using the XXXX card and have only been making minimum payments on the balance to avoid a late-payment notification to credit bureaus.
Product: Credit reporting or other personal consumer reports

Im extremely frustrated by the inaccuracies on my report that are unfairly damaging my scores and blocking my opportunities. These errors have caused unnecessary setbacks, higher costs, and lost chancesthings I shouldnt have to deal with because of mistakes that arent mine.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account XXXX XXXX XXXX  XXXX # XXXX ) that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

ON XX/XX/XXXX DIVERSIFIED CONSULTANTS OPEN A COLLECTION ACCOUNT ON MY CREDIT REPORT. ALSO THIS ACCOUNT WAS ALREADY REPORTED BY ANOTHER CREDIT REPORTING AGENCY XXXX BACK IN XX/XX/XXXX. THEREFORE IS VIOLATING MY RIGHTS AS A CONSUMER IF ACCOUNT IS SOLD TO THE DISVERSIFIED CONSULTING AGENCY WHICH HAS AGREED ON XX/XX/XXXX TO REMOVE THE ERROR OF REPORTING TO MY ACCOUNT. I WANT COMPLETE RESOULUTION TO THIS MATTER AND HAVE THIS UNFAIR REPORTING VIOLATING MY RIGHTS AS A CONSUMER OFF OF ALL OF THE CREDIT REPORTING AGENCIES XXXX, XXXX AND XXXX. PER XXXX XXXX THIS IS SUPPOSE TO BE RESOLVED BY XX/XX/XXXX. PLEASE ADVISE.
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. 

Account name : XXXX XXXX XXXXXXXX, Account name : XXXX/DEPT OF ED XXXX XXXX, Account name : XXXX/DEPT OF ED 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 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit. please remove all fraudulent accounts.
Product: Debt collection

I have already placed this company on a cease and desist for repeated call to my job, and they still called after. Now the most recent on going issues is the collection tactics. The threatening of repossession when my account is less than a half payment due and not even 30 days late. Sending me strict compliance letters and Im not even 30 days past due and again we are talking less than a half a payment. Im in constant communication and always pay when stated yet calls and e-mails continue along with the threats of repo. Again for a half a payment that isnt even 30 days late. Its stressful, beyond actually considering I just replaced a XXXX transmission and still made the payment. Ive talked to management and reps and still here today received a pre repossession letter for 1/2 payment past due for XXXX, which by the way has been paid today as stated would be. I am a collections manger and comply with the FDCPA this company does not. 
And lastly a partial payment in Illinois requires you to resend the strict compliance, so that statement in this letter is in fact I believe to be false. Please stop threatening me with repo for less than a half payment thats not 30 days late.
Product: Debt collection

I am being Charged for early terminaton fees on XXXX contracts I cancelled due to being mislead and I feel that XXXX also falsely signed another contract that they did not make me aware of they had me sign the 2 year contract with them using an electronic sign pad then told me that It did not take the first time and that I had to sign again they never told me that I was signing XXXX contracts they also told me that because it was XXXX special I was getting a Free speaker which they charged me XXXX for I would have never bought the speaker for XXXX if they would have told me the truth. When I called XXXX corporate office they said that the employee had been terminated and that they would credit my account XXXX but that they had my signature on the documents when I told them that it was fasley signed they also said that t was my problem I have had many complaints and all they can reaasre me of is that the employee was terminated and that I was not the only person this employee had done this to. I fell that I should not be reponsible for having to pay these terminatin fees due to feeling like they have violated my rights and in a sense commited fraud against me for copying my signature onto documents that I had not agreed to
Product: Mortgage

I was injured on XX/XX/XXXX and required emergency XXXX on XX/XX/XXXX which caused a hospital stay and for me to be out of work for 12 week as I was completely XXXX. I have my mortgage through AmeriHome Mortgage and contacted them immediately I believe around XX/XX/XXXX to get loss mitigation/forebearance plan processing as I was going to be out of work and unable to walk for that matter. I submitted all of the necessary documents and was told it would take 30 days. I received information back stating I had made error which i corrected and sent back to them. I called weekly asking if they had all the information they needed and was told yes each time. They told me then they had 30 days from XX/XX/XXXX to make a decision. Meanwhile, I had been getting foreclosure letters in the mail every other week, had been continued to be told nothing else was needed, was signed on my credit report, and was told on XX/XX/XXXX one day before a decision was to be made that they needed a proof of hardship which I got to them. I called them and told them I did not have access to fax machine as i could not even walk. They told me to upload documents and send via email and put on subject line loss mitigation along with my account number. Spoke with a very nice lady on XX/XX/XXXX who told me they had not received my documents and note said I would fax them which clearly could not have happened so she was going to try to get it handled for me. I continue to have no answers almost 90 days later, my credit score has been impacted and this has not at all been good for my recovery especially mentally. Dealing with them has been a nightmare and no one can help me or give me answers. They ask if i have friends I can borrow from? Which I think is totally unprofessional and acceptable given they are suppose to be helping me. They have been punishing me for being injured and I would like this cleared up as soon as possible. I have not backed down and have worked with them and gotten them everything they need in a timely matter even with being laid up for 12 weeks. This has taken a toll on my mental health and in no way seems just or fair. Please advise! Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Credit Report and notice their was some fraudulent activity on my file. I filed a police report in on XXXX XXXX, 2017 and an investigation began for Identity Theft. I called on Experian, XXXX, XXXX and they placed a 90 day alert on my file. Each credit bureau assured me that once I send over the police report ; the 90 day alert will be change to a 7 year alert and all hard inquires and negative accounts will be removed. I applied for a rental and was denied ; I called the rental company to get further clarification. The Credit Bureaus did not place a 7 year hold on my credit report nor they did not delete the hard inquiries and derogatory accounts.
Product: Debt collection

This is a complaint against Credit Collection Services ( acting on behalf on XXXX ). 

I had just moved back to XXXX XXXX after selling my house in XXXX XXXX and needed cable and internet while I was there. I started service in XXXX XXXX  and asked if I could stop at anytime because I would be moving back to XXXX once I found another house. The XXXX employee said YES just make sure you bring the equipment in otherwise you will be charged. 

A few months later I was leaving for XXXX and on the way I stopped at the XXXX XXXX to drop the equipment off and pay whatever remaining balance I owed/cancellation fee. The store in XXXX asked if I was going to use XXXX in XXXX. I said yes and they said ok you can bring the equipment to XXXX and set up when you are at your new home, it will be no problem because XXXX serves XXXX. I gave them my address to switch the service. A few days later When I arrived in XXXX I tried to set up XXXX at my new home. But, it turned out XXXX could not serve my address for what I needed. I then went to drop the equipment off at the XXXX XXXX in XXXX. The XXXX store took my equipment and my account was canceled. 

Months later I received an email from my business manager saying there was a XXXX bill for almost {$600.00}. I thought that was weird because I had taken care of what I was suppose to do in XXXX and then in XXXX. I personally never received any notices in the mail to my home in XXXX. I thought it was a scam because I had paid whatever I owed in XXXX and then dropped the equipment in XXXX, and everything was canceled. 

Despite being told everything was all set in XXXX and then all set in XXXX, XXXX continued to insist we pay an amount for not returning the equipment. They continued by threatening to send the account to collections. As I was not able to make any headway in having XXXX admit their own mistake and reverse the billing, I decided to just pay the bill to avoid having a marks against my credit. 

Even after paying the bill- for an amount that I never owed- they still filed a mark against my credit. 

This is a wholly dishonest practice by XXXX and despite being bullied into paying a bill that was not correct, their collection company " Credit Collection Services '' still filed a negative mark against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I filed my first complaint against Synchrony Bank ( attachment below ). The result I was given is total XXXX. How can I be charge for merchandise I have never received. I have call time and time again went to the store in person several times and nothing. I have been lied over and over again. This only effected my credit not the bank or the store. This is dishonest in everyway trying to get money out me knowing that they did not delivered the product. The fact that Synchrony Bank has turn this over to collections and refuses to take it off my report I will sue if this is not fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Got a card several years ago, never activated the card. Got it after my divorce, to have a line of credit to help my rebuild. Even though it was never activated, apparently I was charged {$99.00} dollars a year, that I wasn't aware of. Had to get new debit card, because old card number was hacked. So XXXX was unable to process their {$99.00} dollars, and so now I have a hit on my credit score because of their immoral practices.
Product: Prepaid card

Received the AMEX gift card {$750.00} and tried to place several orders on XXXX but all got declined. XXXX XXXX pending transactions showed up under spending history but still can not have the order placed. It's a gift card should be able to spend everywhere, in-store or online, according to the description listed on the website. Called AMEX customer service but got told it's XXXX declining the transactions even XXXX told me it's declined by AMEX. Asked customer service to solve the issue but kept telling me there is nothing they can do and asked me to use the card in other store, which is not the purpose I am planning to use the card with.
Product: Credit reporting or other personal consumer reports

THE ACCOUNT LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.