23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2020 The Consumer Financial Protection Bureaul COMPLAINT OF CHARGING DELIBERATELY EXTRA MORTGATE PAYMENT BY FAY SERVICING XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX ACCOUNT # XXXX Dear Sir, I got a mortgage from XXXX XXXX  XXXX XXXX D/B/A/ XXXX XXXX. and the monthly payment was principal XXXX+ interest XXXX+ escrow XXXX totaling of XXXX. After the loan they forward this loan to FAY SERVICING for collection. Fay servicing charged me correct amount for few months ( copy attached A ), then all of sudden they increase the escrow by XXXX ( copy attached B ) instead of XXXX. I called them and ask the reason and they told me falsely and inaccurately that my real estate taxes went up, that was an inaccurate and false answer. I asked for the escrow statement and again they send me incorrect statement. ( Copy enclosed D ). Attached is my real estate tax bill which shows that my annual real estate tax is only XXXX ( copy attached ( C ) and insurance is XXXX. 
After calling and requesting them for 2 plus month, and after paying them extra payment and not seeing any will to correct it I have no choice but to request your help. 
Enclosed please find my Real EstatXXXX tax bill and escrow statement of Fay Servicing, which shows they charge me real estate tax bill 3 times instead of one time. 
Your help is appreciated Sincerely XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Product: Credit reporting or other personal consumer reports

I am currently a Client with XXXX XXXX. This is a debt consolidation firm. I had two accounts with XXXX XXXX XXXX. One account was settled XX/XX/2023. The other account I am currently making payments through XXXX XXXX XXXX XXXX XXXX to pay towards the settlement amount of {$850.00}. The original balance was {$18000.00}. XXXX XXXX has fraudulently reported that account to a collection agency LVNV Funding LLC for {$1700.00}, which is incorrect or a fake account XXXX  XXXX created to collect additional funds after the settlement of {$850.00} has been reached with XXXX XXXX
Product: Money transfer, virtual currency, or money service

So I have an account with Capital One bank and XXXX XXXX I suspect my XXXX XXXX was hacked because I got an alert that said it was being used on a new device, I reviewed my bank statement and discovered from XXXX XXXX XXXX XXXX transactions over XXXX dollars had been taken without my consent, I received multiple emails from capital one warning of fraud on my account yet somehow all of the transactions have gone through. I've contacted both institutions and both have denied my claims and told me no this wasn't fraud when in fact it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never owned a XXXX XXXX credit card or bank account. i have applied numerous times including recently and have gotten denied each time. the problem is that a XXXX  XXXX credit card account is being reported by XXXX  XXXX, XXXX XXXX experian and XXXX. i have disputed numerous times and they keep sending electronic responses stating that it is verified accurate information. even though i have requested an original application, signature or proof that the account is mine as described in the FCRA. as of now i have not been furnished with this request. i have been disputing this for years and am being denied credit because this account shows as a delinquency and charged off.they only stated it was verified which was not my request. i have called XXXX  XXXX numerous times to dispute they refuse stating its a verified debt.i requested my information and original application they stated the account was too old
Product: Debt collection

The company repeatedly calls all hours of the day I want this account removed and money refunded since they are part of lawsuit for bad debt collection practices
Product: Credit reporting or other personal consumer reports

I have loan with XXXX XXXX XXXXXXXX. I have always made my payments on time. Ive contacted the bank about the issue & continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & I, d like this matter handled ASAP. Please update to paid agreed/never late. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a twenty year history of perfect payments with XXXX XXXX XXXX. 
In XXXX of 2023, XXXX transferred my account to XXXX XXXX 
Since XXXX XXXX  has taken over my accoun, t it has been extremely difficult to work with them or manage my account. I have trouble logging into their website to make a payment. I can not get a password reset. XXXX requires the full XXXX digit account number for password changes, but XXXX hides the account number on all correspondence. If I call to speak with someone at XXXX, it is difficult to get through to a real person. If I can get through, I am not able to speak with someone who can speak XXXX. 
In addition, for many months, my monthly statement was not being sent to the correct address or no statement was received. 
I am not alone in this problem. The XXXX corporate website and various online forums list hundreds of people complaining about all of the same difficulties since XXXX XXXX has taken over their XXXX XXXX account. 
Through no fault of my own, XXXXXXXX XXXX has now marked my credit report with multiple late payments and damaged my credit score. 
I have already disputed this with the three credit agencies, but XXXX refuses to correct the problem.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance regarding an inquiry that appears on my credit report, which I believe was made in error. 

I recently applied for [ insert loan/product/credit ] with [ Name of the Company ], and despite being denied, I did not receive a proof of application, acceptance, or denial letter as required by [ specify relevant regulations, e.g., FCRA ]. I believe that this situation has resulted in an inaccurate credit inquiry being recorded, and I would like to request that it be removed. 

Details of the inquiry : Date of inquiry : XX/XX/year>XXXX  Company making the inquiry : ONEMAIN FINANCIAL GROUP Type of credit sought : Loan Reason for denial : unknown I kindly request that the CFPB investigate this matter and help facilitate the removal of the inquiry from my credit report. 

Please feel free to contact me if you need any further information or documentation to support my claim. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 XXXXXXXX
Product: Checking or savings account

Once again, they closed the case and still have not resolved my issue. They said they tried contacting me, but they did not. I have called numerous times and have been put on hold for hours with promises that they will call me back, and they never do. They did not try to verify my identity with a bank. They keep telling me they are using my phone number to send me a code to close my account. Once again, I am not receiving this code they are supposedly sending. At this point, they should be able to mail me a check with MY money that they have been holding hostage for over two months. This is ridiculous and the worst banking experience I have ever had. I see why they have bad reviews, and I will not recommend them to anyone. They purposely try to take your money and hold it for months. I do not want to send in an affidavit because I did that already, and it did not work. I want to close my account asap and get my money back. 

*********************************************** I tried to make a transfer from my Marcus account to another bank that was offering a higher APY. Marcus locked my account when I initiated this transfer. I called to find out the issue and kept being hung up on. I finally spoke to a supervisor, and they said they would send me an affidavit to verify my identity. I received the affidavit two weeks later and got it notarized virtually using an app called XXXX that charged {$25.00} for a virtual service. I could not physically make it into a store to notarize because my husband works and uses the car, plus I have XXXX XXXX to take care of. After I got the affidavit notarized, I paid {$30.00} for certified mail so they could receive it the next day. My tracking receipt shows they received the form on XX/XX/2023. When I called to confirm, they said it was under review and would take seven business days to review. I called back on XX/XX/2023, and was on hold for three hours. Then the representative said it was notarized by someone in Texas and needed to be done in North Carolina, where I reside. I told her I paid {$25.00} for a virtual video service to get this done. Hence, people work from virtually anywhere to help get documents notarized asap if they can not physically make it to a location. She said they would be sending out another form so it could be done in NC. I then asked to close my account. After all, I am no longer interested in banking with a bank holding my money hostage for over a month, all because I wanted to transfer some of my funds. She said she would send a code to the phone number I have on file to close the account. The code never came, and she asked if I had an alternate number. I told her I only use one number on my account and have not had issues using this number in the past for my account. She put me on hold for another hour and said my account was in review to be closed, but I will need to call back for updates. This has been the worst banking experience I have ever encountered, and I would like to close this account asap. They are holding onto my money and will not let me access or close my account.
Product: Student loan

My student loan is currently due on the XXXX of each month. This date is the same as my car loan and auto insurance payment so I wanted to request a new due date to space out payments so my bank account is not negative and I can pay other bills. 

I have called several times and spoke with several representatives regarding this and every time I am told give it XXXX weeks for the changes to reflect in the system. I log on today XX/XX/XXXX and to my surprise the due date still shows XX/XX/XXXX with a 15 day past due balance even though I have been requesting the due date be changed. 

I called on XX/XX/XXXX which lasted XXXX hour and XXXX minutes and was told the date would be changed to be due the XXXX of each month. 

I called on XX/XX/XXXX which lasted XXXX hours and XXXX minutes and was told the date would be changed to be due the XXXX of each month. 

I called on XX/XX/XXXX which lasted XXXX hour and XXXX minutes where I was asked to bring my account to current status and when I explained I have been trying since XXXX to get the date changed I was placed on hold for the person to look into my account then to be told she was locked out of my account and reaching out to another department and when I was placed back on hold the representative disconnected the call and I was placed back into the normal phone loop with the option of waiting another XXXX minutes to speak with someone else. 

I am not trying to avoid paying my debts. I simply want to change the date so I can afford to pay all of my other bills. I am also mad cause it now looks like I missed a payment which will ruin my XXXX XXXX when I made multiple calls and put in the effort to wait on hold to speak with someone to resolve the issue. This is out of hand and uncalled for and will potentially be ruining people 's credit scores which is NOT ok!!!!
Product: Checking or savings account

Boeing Employees Credit Union. 
Withdrew funds from savings account and made a payment on a credit card without authorization or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX
Product: Debt collection

I paid the debt in a settlement on XX/XX/year> and I received a delete letter for the amount that I paid in the Settlement. I sent the delete letter to collection agency and they removed the debt from XXXX and XXXX, but I can still see the debt on XXXX. I contacted the collection agency and they say that they can not find the debt and that it may be due to how long ago I settled on the debt. I submitted a dispute with XXXX but their automated response was that the debt was verified and that they could not remove it fro their report. 

I will be calling XXXX directly tomorrow, but I wanted to file a complaint with CFPB to see if I could have some assistance with removing this debt from my XXXX Credit report.
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 reporting, credit repair services, or other personal consumer reports

Experian has not provided me with proof of the follow collection accounts : 1.XXXX XXXX XXXX Original creditor : XXXX XXXX  {$450.00} Balance updated XX/XX/2020 Account Info Tap labels for more details 2. XXXX XXXX XXXX IN Original creditor : XXXX XXXX XXXX  {$100.00} 3.XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$540.00} Balance updated XX/XX/2020 4.XXXX XXXX XXXX Original creditor XXXX XXXX XXXX {$440.00} Balance updated XX/XX/2020 I have contacted them on several occasions via telephone and via written notices 3 times. All of the above accounts listed has been removed from XXXX and XXXX   and my credit reports has been updated. This is hindering my on going home purchasing process for me and my family. This has been a very stressful process with Experian and I don't know what else to do at this point.
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 XXXX XXXX XXXX XXXX account XXXX XXXX TX XXXX Balance {$17000.00} Capital XXXX XXXX XXXX XXXX UT XXXX Balance {$500.00} XXXX XXXX Bank XXXX XXXX XXXX XXXX, Account # XXXX Balance {$500.00} XXXX XXXX XXXX UT XXXX XXXX XXXX Bank XXXX XXXX Account # XXXX Balance {$280.00} XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

I have disputed this debt with multiple collection agencies. As soon as it is disputed and removed. It is then sold to a different company then the whole process starts all over again. I have disputed this debt with this current company, ERC, and informed them that I do not owe this debt. I have never been associated with the company that this debt has been purchased from. But this seems to fall into deaf hears. This XXXX dollars debt has been following me for the last four years and being sold to multiple collection agencies. My credit score takes a huge drop every time this shows up on my reports.

Please help me get rid of this issue and hope I do n't have to deal with this again.

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off this card to a XXXX balance on XX/XX/2020. I contacted XXXX XXXX on XX/XX/XXXX to inquire about closing dates and when the updated balance will be reported to the credit bureaus. The answer that I was given was uncertain but the agent opened an internal dispute to look into getting the information updated. After not hearing anything back, I filed a dispute with Transunion in early XXXX and XXXX XXXX incorrectly reported this information as accurate. As of today, XX/XX/XXXX, the account is still showing an incorrect balance ( {$2400.00} ) thus affecting my credit score and my ability to make purchases. I contacted XXXX XXXX again today and the agent that I spoke with stated that the previous investigation was closed and that she will reopen another. According to my records, XXXX XXXX has not reported anything to the credit bureaus since XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint and request for investigation regarding inaccurate late payment information reported by XXXX XXXX XXXX XXXX on my student loan accounts. This letter serves as my second request for correction after my previous attempt to dispute this error with the credit bureaus and XXXX XXXX XXXX XXXX has not been appropriately addressed. 
The accounts in question are : Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) My credit report incorrectly indicates a XXXX late payment for XX/XX/XXXX, despite my payments being on time for XX/XX/XXXX and for the months following, specifically XXXX, XXXX, and XX/XX/XXXX. XXXX XXXX 's reporting of a XXXX late payment for XX/XX/XXXX is inconsistent with the payment history before and after that period. 
Under XXXX XXXX. XXXX ( b ) of the Fair Credit Billing Act and 15 U.S.C. 1637 ( a ) of the Truth in Lending Act, I have the right to dispute and correct inaccurate information on my credit reports. I believe that XXXX XXXX has failed to properly verify the accuracy of the information in question, and I am requesting the Consumer Financial Protection Bureau 's assistance in resolving this matter. 
Given the nature of this error and its negative impact on my credit profile, I respectfully request that the CFPB require XXXX XXXX and the credit reporting agencies ( XXXX, TransUnion, and XXXX ) to investigate the matter and permanently delete the incorrect XXXX late payment from my credit file for the accounts listed. 
Enclosed with this letter, you will find : XXXX. A copy of my credit report, highlighting the disputed entries. 
XXXX. Payment records for the relevant months, confirming my timely payments for the periods in question. 
I appreciate your prompt attention to this matter and look forward to a resolution within the required investigation period. Please provide written confirmation once this issue has been fully resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute of Double Reporting I only had one acct with world finance in XXXX  Acct XXXX you have 2 accts on my credit report for the same day and year and amount i only the first office sent me to XXXX XXXX Mo so i think you guys put two Acct but only got one i included my credit report so you can see XXXX the other ACCT number as you can see i got double reported for 2 accts i wouldn't be able to get 2 loans same day please see to credit Agency to delete i will file legal actions also file CFPB against XXXX XXXX i spoke with XXXX XXXX Chief Complaince Officer
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, I have 4 unauthorized hard credit inquiries on my Equifax credit report - I called each of these 4 hard inquiries on XX/XX/2023 and XX/XX/2023, spoke with customer service representatives, and all are requesting the hard inquiries made into soft inquiries and/or removed altogether. 

Attached to this complaint are : - drivers license - social security card - address - my complaint letter *with documented proof* Equifax, you need to have these unauthorized hard credit inquiries made into soft inquires and/or removed from my credit report immediately as its damaging my credit.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my XXXX, you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of {$2400.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX