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

In XXXX of 2022 I paid for Credit Repair services to remove negative accounts and hard inquiries that were affecting my opportunity for advancement, such as lending for a home. I became educated on consumer laws, E-OSCAR, Metro2 compliance laws. XXXX of 2022 I have spent thousands of dollars on Credit Repair dispute letters, and little impact on the areas that are harming my credit the most. Charge Offs, late payments, hard inquiries - areas that can be considered illegal. I paid off collection agencies without realizing that the debt was taxable income, that it is illegal for creditors to conduct business in a harassing manner all while the debt had been cleared. Paying debt did not increase my score. Hiring a credit repair service has disputed with the agencies, however they are factual disputes versus consumer laws, metro 2 compliance and a plethora of USC violations. 

I have a XXXX Hard Inquiries from this year alone from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - XX/XX/2022 ( none attached to open accounts and not authorized ) I have Late payments from XXXX XXXX / XXXX XXXX Charge Off XXXX / XXXX XXXX XXXX Charge Off XXXX / XXXX  XXXX  Late Payments XXXX / XXXX XXXX  Late Payments XXXX ( disputed still pending )/ XXXX  XXXX XXXX These negative accounts are in violation of Metro 2 Compliance Laws, Fair Credit Reporting Act, Equal Opportunity Act, Consumer Laws, specifically Collections/charge offs/inquiries/collections 15 USC 1681 B ( SECTION 604 ) 15 USC 1681 C-1 ( SECTION 605A ) 15 USC 1681 C-2 ( SECTION 605B ) 15 USC 1666 Correction of Billing errors 15 USC 1681 B permissible purpose of consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In order for a deficiency to be applied to a credit report in a repossession the car loan creditor ( XXXX XXXX XXXX ) must provide the client with various, timely written notices, as well as give you the opportunity to exercise certain rights. If a creditor ( XXXX XXXX XXXX ) fails to give you a required written notice, then I can challenge its claim for a deficiency judgment. 

Those written notices include : your right to redeem the car and when you can do it your right to reinstate the loan and when you can do it if the creditor is selling the car at a private sale, the date of the sale if the creditor is selling the car at an auction, the date, time, and location of the sale, and a calculation of the deficiency balance ( or surplus, if applicable ), including a description of fees and charges. ( the only document I have been provided ) I have on numerous occasions, requested the documents required by law, as identified above and have yet to receive a copy. If the above mentioned documents are not provided within 15 days, as required by law therefore can not be a claim for a deficiency. And this account must be deleted from my credit report. 

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission, the Consumer Financial Protection Bureau and the Credit Reporting Agencies notifying them that I requests for legal notices that XXXX XXXX XXXX is unable to provide.
Product: Debt collection

I was unaware of this bill from 2015 until my a credit report was done. I had to contact XXXX to get the name of the debt collection agency and what it was from. I contacted the company and paid the bill in full. They advised me that it would be removed from my credit file. My paid in full confirmation number is XXXX.
Product: Vehicle loan or lease

I received two bills for Property Taxes assessed by XXXX XXXX, Virginia in XX/XX/2023. Both bills were for 2023 - Periods XX/XX/2023 - XX/XX/2023 ( {$330.00} ) and XX/XX/2023 - XX/XX/2023 ( {$310.00} ). The car that the Property Tax was charged was turned in to XXXX Kia in XXXX, Virginia as part of a trade for a new lease at the end of XX/XX/2023. After speaking with a representative from XXXX XXXX ( XX/XX/2023 ), XXXX XXXX already had verification that the vehicle had been turned over to XXXX Kia and was no longer in my possession and the adjusted amount due for the time period in which I had the vehicle was {$41.00}. A payment for this amount ( {$41.00} ) was submitted on XX/XX/2023. I have contacted Kia Finance multiple times via phone ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 ) in addition to sending written requests via fax ( XX/XX/2023, XX/XX/2023, and XX/XX/2023 ) and email ( XX/XX/2023 ). I also visited in XXXX Kia in person to request assistance with resolving this matter on XX/XX/2023. Kia Finance continues to claim that I am responsible for the Property Taxes.
Product: Mortgage

My escrow was re-evaluated for the year XXXX and the company determined that my monthly private mortgage insurance should increase from {$26.00} per month to {$80.00}. I have called their support line several times asking for this to be resolved. Dates that I have been in contact with them about the issue have been from XX/XX/XXXX through today, XX/XX/XXXX. The first few attempts to resolve the issue I was told that they would " look into it '' but had not heard anything back. I called again on XX/XX/XXXX to ask for an explanation and was told that there were several months where the PMI was not paid so they were making up for those months by increasing the premium now. I requested my entire payment history, which they provided, and it showed that PMI has been paid every month that I have had the loan. I called again today, XX/XX/XXXX to ask for further justification about the rate increase. I was then told today that my mortgage insurance had " just increased due to market conditions. '' I asked what market conditions could justify a 300 % increase year over year in insurance premiums and the response was that insurance just goes up sometimes. I asked for a written justification explaining, in detail, what could cause the rate to increase at this magnitude. I was told that a letter would be sent to my house on XX/XX/XXXX that would explain why the increase was happening. I asked for detailed calculations showing their justification to be emailed to me today, which was declined. I have not taken out any home equity loans- my share of equity has increased since I purchased the home in XXXX. My credit score is also unchanged. I explained this to the representative while again asking for a detailed breakout of the justification of the charges which was again declined, and given a verbal response that mortgage insurance can increase at any time due to " market conditions ''. I do not believe the company, Freedom Mortgage, is operating in good faith. To summarize my experience : when I first inquired about the issue it was ignored ; when I followed up the representative claimed there was a problem with the payment history, which I verified as false ; and when I followed up again a representative told me that insurance just goes up sometimes and would not provide me with a detailed cost breakout to justify the increase. They have verbally said they will provide a letter by XX/XX/XXXX that explains the cause of the increase, but I have yet to see any confirmation via email or on their website that this letter is pending to be sent. They also refused to provide the letter via email, instead dragging out the process another eight days by sending it via mail. By then, I will have paid them XXXX 's payment, which will include this unjustified increase to PMI.
Product: Checking or savings account

On XX/XX/2023, I mistakenly transferred funds- {$37000.00} - from my current XXXX checking account ( account no. XXXX ) to a prior Huntington Bank checking account ( account no. XXXX ) that has been closed for approximately 10 years, but was still linked in my XXXX account. Huntington has confirmed that they recycled my Huntington Bank checking account ( account no. XXXX ) and that this account is now with another consumer. However, Huntington will not return my funds. I have been trying to coordinate with Huntington for almost a week, but they refused to transfer back my funds.
Product: Mortgage

I attempted to pay on the principal of my Reverse Mortgage Loan at XXXX. 
My payments were almost entirely applied to " interest ''. I telephoned them and asked for help. I was told to put " to principal '' on the memo line as well as on the payment form I was using. Payments of {$500.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021. After paying XXXX XXXX ( {$2000.00} ) over a XXXX months period ; I owned more than before making the payments. I had my attorney write to them without success. It does not seem like there is a way to get out of debt, if the payments are offset by interest each time. 

Attachments : Partial Pre-Payments form Annual statement for 2021 Checks written to " principal '' Request for explanation from my attorney
Product: Debt collection

In XX/XX/XXXX I received a letter from the National Credit System , Inc. about a debt that I supposedly had with XXXX XXXX XXXX. I NEVER HAD DEBTS WITH THAT PLACE. 
Prior to the National Credit System notice, I NEVER RECEIVED a call or letter from XXXX XXXX letting me know that I had an outstanding debt. The SUPPOSED DEBT was sent by XXXX XXXX directly to debt collection, which is incorrect and ILLEGAL. 
On XX/XX/XXXX, I went to the XXXX XXXX XXXX XXXX and asked the Office Manager for an explanation. After checking that I did not have any debt with this office, she made a copy of the letter and promised to resolve that problem with the debt collection office. APPARENTLY, SHE DID NOTHING. 
On XX/XX/XXXX, I received a notice from XXXX XXXX, one of the companies that monitor my credit and data security, where they report that my credit history had dropped XXXX points due to AN UNPAID DEBT. I immediately requested Credit Reports from XXXX and XXXX, where this debt appears unpaid, affecting my credit history. 
I do not have, nor have I had, outstanding payments TO ANYONE, least of all XXXX XXXX. I have had financing with different companies for two cars and a house, for several years, and I HAVE NEVER BEEN BEHIND PAYMENTS.
Product: Debt collection

For at least a 3 months ( my phone doesn't show farther back than a month and I can't remember exactly when this started ) this company has called me at least twice a day, nearly every day. It is a different number each time, increasing by one ( XXXX, then XXXX, XXXX ... ) so I can not block them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted via certified mail in which was signed for on XX/XX/XXXX, a notarized FTC report, notarized police report, notarized personal statement and copy of my credit report including highlighted fraud and inaccurate items to the credit bureau. Per my request and FCRA rules the bureaus had 3 days to remove all listed fraud accounts and incorrect information from my profile however they only removed some items. I have given the bureau ample time past the allowed time given via the law to remove all fraud items and associated inquiries yet they are refusing. I have had a fraud alert and have taken proper legal precautions, such as flag my social and replace my DL since XXXX. I have even disputed such items and the bureaus have refused to properly verify the validity of such accounts, now they are refusing to remove them even with a Federal report and police report backing me as validity that the accounts are fraud. Please remove remaining fraud items from my report. 

Experian- remove all inquiries and XXXX XXXX credit card with balance of XXXX, XXXX XXXX- remove all inquiries and XXXX XXXX XXXX XXXX credit card with balance of XXXX, XXXX XXXX- URGENTLY remove all inquiries, two XXXX accounts, XXXX XXXX credit card with XXXX balance, XXXX account, XXXX XXXX  account, XXXX and XXXX XXXX credit card .

I don not have account numbers as I am not the original owner of these account and neither credit bureaus has given me any complete information on these accounts including account numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple disputes with XXXX and XXXX regarding an account that is no longer held by the reporting Organization ( XXXX ). Account paid to a third party once discovered, XXXX XXXX XXXX. Submitted disputes with the receipt from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found an inquiry related to a cash advance loan that was applied for XX/XX/2018 using his information without his consent with Rise credit services. An official dispute of this information was mailed, certified with return receipt ( XXXX XXXX XXXX XXXX XXXX ) to Rise ; this dispute information was received and signed for XX/XX/2018. An additional dispute was faxed XX/XX/2018 to Rise. Rise has an obligation to conduct an investigation of this issue once the dispute is received and as of this date, per the original mail received Rise has failed to do so. This action is a violation of the FCRA and my clients federal consumer rights.
Product: Student loan

I cosigned a loan with XXXX XXXX, now Navient, and they will not tell me the steps that the borrower and I need have done in order to release me of the loan. They said they will only discuss it with the borrower, who unfortunately for me, is unreliable when it comes to contacting Navient. Nothing that I signed to cosign the loan ever stated that I was n't able to discuss my cosigner release steps. I 'm being scammed.
Product: Credit reporting or other personal consumer reports

Experian and XXXX are reporting that a mortgage I had was included in a Bankruptcy Case when I paid off the balance and satisfied all my mortgage obligations. I have provided proof that this was not the case and they still continue to report false information.
Product: Money transfer, virtual currency, or money service

This has been going on since late XXXX. I asked to have my Venmo balance transferred to my bank account the same account Ive previously added money from, and withdrawn money to. 

For some reason, they froze my account and would not tell me why until ten business days had passed and ever since, theyve been asking me to repeatedly send them copies of my identification. 

Ive done this at least five times, but its on online form that I dont get a copy of.

Im not a wealthy man.. I did not intend to loan this money to Venmo for several months. 

I want my money.
Product: Debt collection

I checked my credit report and noticed that there was a closed collection from XX/XX/scrub>XXXX XXXX that I did not recognize. 

The collection is from Transworld System Inc. for a company called XXXX XXXX originating from the state of XXXX  for the amount of {$1200.00}. 

I have filed a dispute with XXXX and Transworld System Inc. marking this claim as fraudulent.

Transworld System Inc. has mailed me a report regarding the account. I have noticed on their report that it is not my name under this account and that the address that was billed is not an address that I have ever resided.
Product: Debt collection

I got a loan from mypaydayloan and was doing a good job keeping up my payments, although their a.p.r is higher than the 36 % Indiana law mandates.. But I fell on some financial issues. It was difficult to pay them back and I let them know this through emails. They were actually paid back the principal and significant amount of interest accrued. My phone was off at a point. They stated they were trying to reach me. They stated they through email, as well. When I did look at my emails, that's when I responded about my issue. 

Unfortunately, now the claim is with XXXX, a 3rd party and I have been paying them for this debt, that is up to over {$1000.00}, when I borrowed {$200.00}. They stated they are going to take the claim to court if I do not pay. And I can't afford that. So I pay them. Can they charge me this much, rightfully?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that I am delinquent in repaying a loan obligation, however they are unable to provide documentation to substantiate claim. A default claim was denied temporarily in XX/XX/2012 however the status has not been updated to 'permanent ' after three years as per required by law. This status is improperly reported to credit reporting agencies as being delinquent however they ignored a complaint I filed with them several years ago.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX Account # XXXX is showing past due 30 days for XXXX This is incorrect information I have the receipt showing I paid this account on XX/XX/XXXX which was my last payment on this account it should not be showing 30 days past due
Product: Money transfer, virtual currency, or money service

The main concern is that this collector accepts debit cards but charges a surcharge when they do. My paid-in-full amount was {$690.00} and I was charged {$720.00} ( just over 4 % ). I had to go to their office to even get a receipt as they refused to provide one when paid over the phone.

Additionally, a dispute letter was mailed to the collector they failed to validate my debt within the 30 days required by law.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that XXXX, XXXX and Equafix block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following account is fraudulent and need to be removed from my credit report : XXXX XXXX XXXX account number XXXX. The following hard inquiries are fraudulent and need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. The aforementioned account, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit card

I am filing a complaint regarding XXXX and XXXX XXXX XXXX XXXX ( XXXX  ) XXXX. The XXXX XXXX  automatically updates my credit card information for merchants that store my card on file for recurring charges, but it does not provide an option for consumers to opt out or verify which merchants receive updated information. This lack of control presents several significant concerns, both for me personally and for consumer rights at large. 

The XXXX XXXX  allows merchants to receive updated credit card details without my explicit consent. This means that even after Ive taken action to prevent a merchant from continuing to charge my accountsuch as canceling a subscription or changing my card detailsthose same merchants can still bill me using updated card information provided automatically through this system. As a consumer, I believe this practice is unfair, and it violates my right to control how my financial data is shared. 

Consumer Rights & Transparency : One of the key principles of consumer rights is transparency. Consumers should have full control over their financial data and the ability to decide who can continue to charge their account. The XXXX XXXX  lacks this transparency, allowing merchants to receive new card information without the consumers approval, leaving me and many others vulnerable to unwanted or unauthorized charges. 

Additionally, the fact that XXXX and XXXX do not offer a way for consumers to opt out or selectively choose which merchants receive updated card information means we are left with little recourse. This practice shifts the balance of power unfairly toward merchants, depriving consumers of control over their financial accounts. 

Potential Constitutional Concerns : While this issue does not directly violate constitutional rights, the lack of consumer control over private financial information could raise concerns about due process and personal autonomy. At its core, the Fifth Amendment protects individuals from being deprived of property ( including financial resources ) without due process of law. By allowing merchants to automatically receive updated card information, consumers may effectively be deprived of the ability to control their property ( in this case, their financial information and funds ) without proper consent. Though not a direct constitutional violation, this lack of control certainly challenges fundamental principles of fairness and due process in financial transactions.
Product: Bank account or service

I tried many times to determine why I could not pay the IRS with my Citibank online BillPay. I finally received the attached letter, dated XXXX/XXXX/2015, from Citibank. XXXX XXXX states " this service is no longer available for the IRS, as we have encountered servicing issues with them. " I am totally OUTRAGED at this response from Citibank! 

I had to make XXXX separate inquiries to Citibank in order to finally learn that Citibank does not pay the IRS with their online BillPay services. 

Why did n't Citibank say this in the first place? 

Why did I have to drag this information out of them? 

Can Citibank be any more UNCLEAR in communicating with their preferred clients? 

Does Citibank really believe this is acceptable customer service? 

I expect Citibank to respond to this complaint with answers to the above ( XXXX ) questions.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the accounts were still erroneous. 
please investigate the accounts below : XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$45000.00} XXXX  XXXX  XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

My name is XXXX, Im filing a complaint to XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credits. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit History