23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was bought by First National Bank of PA  from XXXX XXXX in XXXX. 

I received a letter from both XXXX and XXXX XXXX about the transfer. However, the first payment listed on correspondence from First National dated XX/XX/XXXX stated that my amount due was {$1700.00}. This is double what I had been paying XXXX. So I called XXXX XXXX Bank ( henceforth referred to as XXXX ) to settle the matter. 

During the call I was told that XXXX had not yet received documentation from XXXX and that I should not make a XXXX payment. I expressed concern that I would accrue interest or get a credit ding for a late payment. I requested a written letter stating that I did not have to make the payment, but the woman on the phone said it wasn't necessary and assured me that everything was fine. Payments would begin on XX/XX/XXXX, no interest would accrue and no credit dings would be reported. 

In XXXX ( XX/XX/XXXX ), I got a letter from XXXX informing me that my account was delinquent. So I called back the person I spoke with assured me that everyone was aware of the XXXX problem and that the letter was just auto-generated by the system. I asked if I could access my account to review the information and was told that account was still not set up. Again I was told not to make a payment until XXXX and to ignore the XXXX payment. 

When I called again today ( XX/XX/XXXX ) to see if my account had finally been straightened out, I was blindsided by a representative telling me that my account is 21 days past due. I went through the whole explanation about what had happened and was told that " due to an error in communications my XXXX payment is past due. '' So that means I was told repeatedly not to make this payment, and a week before my next payment is due, their collections department is insisting I pay XXXX. Well as you can imagine, that money is no longer liquid, in fact, it's very solid, in the form of a new sofa table. 

The people I spoke with in collections basically said that it FNBs fault for lack of communication about the situation, but what is in their system is the final word. All the while, I can't see the system. So they messed up big and now I'm dealing with the repercussions. 

I have never felt so helpless and violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are several items listed on my report that do not belong to me. I have tried several times through disputes to have them removed ; yet they are still on my report. XXXX XXXX XXXX remains on XXXX and Equifax report. XXXX remains on XXXX, Equifax and XXXX reports. XXXX XXXX remains on Equifax report. And unauthorized inquiries remains on all three. I have attached my ID Theft form. Please remove these items within four business days as legally obligated under the FCRA. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Product: Mortgage

My property is in foreclosure due to a divorce. My Lender is OCWEN, I decided to sell my property to avoid having a foreclosure on my credit. I contacted OCWEN to let them know I was selling the property. I listed the property and have a approved buyer. A couple of weeks after that I received a notice that OCWEN had set a date to do a foreclosure sale on my property. My XXXX XXXX XXXX and I contacted OCWEN to see if they would postpone the sale date to allow the sale escrow to close verses foreclosing. They requested I submit a request for Mortgage assistance package and all of my financial information along with the proof the buyer was qualified. We sent it to them on XXXX XXXX, 2016, We spoke with them on XXXX XXXX, 2016 to confirm they received all of the required documents. They said they had. On XXXX XXXX, 2016 I received a response denying my request. My agent spoke with a representative on XXXX XXXX, 2016. They requested additional documentation. On XXXX XXXX, 2016 My agent spoke with them again. The representative told him the instructions previous given was wrong and that they should have never told us that. We requested again that they postpone the foreclosure sale to allow the sale escrow to close. They said they have to review it again. WE NEED THiS TO STOP. It appears OCWEN would rather foreclosure than to allow me to sale my property and prevent a foreclosure on my credit.
Product: Mortgage

We have received a 'notice of default and intent to accelerate ' from XXXX XXXX XXXX . We have already been through arbitration and modification. Our first payment was " lost '' by XXXX. We are retired and on a fixed income. XXXX opened an " insufficient funds '' account. After forced placed flood insurance, attorney fees, late fees, ect., our 'amount due ' went from & XXXX in XX/XX/XXXX to {$4000.00} in XX/XX/XXXX to {$9400.00} by XX/XX/XXXX. Since our social security money is deposited on the third week of the month we were unable to make payments on time. We increased our payments from {$1100.00} to {$1300.00} to make up for flood insurance and late payments. We have paid every month. It's impossible for us to match the fees that are injected into our account. Default is built-in. Our last application for mitigation was cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

why is this on my credit report? CHAPTER XXXX BANKRUPTY DISMISSED XXXX, I cant locate it with the courts system.. XXXX, Experian and XXXX did not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Product: Credit reporting, credit repair services, or other personal consumer reports

I want access to a specific account for funds. Im not getting the correct information. Also how my credit is scored is just wrong and not fair. My credit score is only calculated by using one maybe 2 of the three credit bureuss thus bringing my score down considerably. Also i have a lot of inquirys too many and most i have nothing to do with. I also question a XXXX XXXX XXXX i have the title to my truck but there still charging me monthly. Would like them to be investigated. There is a few other possible fraudlent accounts that im not sure of or is fraud. There is 8 inquirys that submit negative information on me there is no reason? Medical information being sent to others and used by someone im single no kids my medical information should not be used or shown by anyone, im discriminated against as it is.
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. 

I told Equifax to reinvestigate these inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I have sent certified letters to all 3 credit bureaus, Equifax, XXXX and XXXX about these accounts they are reporting inaccurately on my credit report. They previously " investigated '' my disputes on these accounts and say that they found they we're mine & we're being reported accurately. I asked in the certified letter for them to send me any and all methods of verification to prove that these accounts are mine and accurate as they say they are or my credit report. Including a signed contract in ink with my signature and legal forms of my identification. I have not received a correct response from either of these credit bureaus in the time frame allowed. They did not send me methods of verification at all. XXXX XXXX claimed they just reinvestigated, the same as before and sent me the same exact investigation report from the prior dispute. Equifax & XXXX have not responded at all to my certified request. It has been long passed 30 days. The accounts are XXXX XXXX XXXX  credit card & XXXX Visa Credit card.
Product: Vehicle loan or lease

My warranty company is refusing to fix the oil consumption the car is having. The XXXX XXXX XXXX  's oil consumption is really bad. I took it into the XXXX XXXX. I was told that in order for XXXX to fix the problem, I was to not put oil in the car. Drive it until the engine blows up, and they will fix it. My extended warranty company told me that XXXX is responsible for fixing the problem, so drive it until it blows up, then call us. Ive called at least XXXX attorneys who refuse to take the case. Im constantly putting oil in the car. XXXX knew that the problem has existed since before they sold me the car. I also might ad that when I bought the car my credit was really low. This loan went through in XXXX minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Debt collection

never received information on this debt only thru credit reports sent letters to verify identity and never received information.
Product: Credit card or prepaid card

I have a Corporate credit with Bank of America. I've heard that they and XXXX, are going to be denying banking services to companies and small businesses that are related to legal firearms and firearms related businesses. 

I'm in the process of lobbying my company, who owns the credit card accounts to close all of them, for all of our employees. I feel very strongly about this as do my company owners, but we have not made the decision to do so, yet. 

For Banks to take this approach is disgusting! These businesses are law abidiing! This approach denies our 2nd Amendment rights and is discriminatory and in violation of State and Federal laws. If Banks can arbitrarily impose these kinds of restrictions on law abiding persons and companies, whats next? 
Its also my understanding that these two bank received several billions of taxpayer dollars a short, ten years ago to bail them out of billions of dollars in debt that they were partially responsible for having created! How dare they stick their fingers in the eyes of millions of taxpayers and their customers with these faulty polices. 

I ask they these banks be reprimanded and forced to revoke these policies
Product: Debt collection

JEFFERSON CAPITAL has contacted me through mail stating that I owe JEFFERSON CAPITAL. I have never done business with JEFFERSON CAPITAL nor signed any contracts obligating me to do business with JEFFERSON CAPITAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has violated the Dodd -Frank Wall Street Reform and the Consumer Protection Act. Specifically by demanding and lying about payment. They are reporting false statements to the credit reporting agencies and i quote " Paying under a partial payment agreement " There's absolutely no payment agreement, I'm demanding a physical copy of this so called agreement. Here 's the correct history inwhich still doesn't make sense. Account opened XXXX, Then they say last payment was on XX/XX/XXXX. And the report also stated that this account closed XXXX, excatly one month later. Then at the same time the account was closed. Again XXXX XXXX XXXX XXXX has violated. In XX/XX/XXXX this account was removed fron my creut file, but then reinserted back on my credit file inwhich was illegal if you didn't notify the consumer of this within 5 business day. And again no one notified me about doing so. Im demanding that XXXX XXXX remove this account immediately from my credit file. 

Please remove the following 1 ) XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

Citi agreed they made a mistake when investigating fraud and determining the result. I called Citi as soon as fraud occurred on a date near XX/XX/23. I told them there was fruad, clearly since there were inmate transactions from XXXX as I am from XXXX. Additionally I told them I had never activated the card. The card was fraudulently activated and then used without my consent. The charges were said to be removed. After 1 month had passed, nothing had happened. So I called them back on XX/XX/23. They were able to investigate further and claimed they refunded all the fraudulent activity. After a month had passed, I was receiving messages that I had a late payment due. They in fact did not investigate ALL of the charges leaving a balance of XXXX after a late fee. I called twice about the fraudulent activity, and they claimed both times it was fixed. Finally after I received a late payment activity from my credit, I called a 3rd time to see what was happening. They finally reversed all of the charges and late fee, but left the missed payment credit report. I then chose to dispute the missed payment due to them not investigating ALL the charges the 1st time I called. Additionally, THEIR WEBSITE SAYS THEY WILL PAY FOR LATE FEES WHEN FRAUDULENT CHARGES ARE UNDER INVESTIGATION. Therefore, Citi was NOT DOING THEIR JOB when I reported the fraudulent activity the 1st and 2nd time I was in contact with them. I do not deserve a missed payment on my credit report due to the LAZINESS of CITI workers. Please look into call records that I have made with CITI.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent an investigation request letter to all 3 Credit Bureaus : Experian, XXXX, and XXXX to check if the account ending in # XXXX is listed and being reported 100 % correctly on my report. 

The Credit Bureaus stated the account XXXX # XXXX was properly investigated and updated but how is that possible if the date opened is incorrect as well as the date last reported, the date last active and also the date of the last payment. 

According to the FCRA by law I have the rights to challenge anything that isnt correct on my credit profile. 

The law states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report.
Product: Mortgage

I

m writing to express my concern regarding the sudden increase in my mortgage payment from {$3500.00} to {$4000.00} due to an escrow shortage of {$3200.00}. Such a significant jump in a single month is unexpected and creates a financial strain.

Id appreciate a detailed explanation of the escrow shortage and any options to address this increase more gradually. Please let me know how we can resolve this issue effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 am so puzzled of what is happening with you ( CFPB ) and the bureau ( XXXX and EQUIFAX ). I've submitted this complaint 3 times & you are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & XXXX and EQUIFAXwith an affidavit & FTC fraudulent report to support my position. It seems XXXX and EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like the account blocked or removed based on XXXX. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 separate letters each to Equifax, XXXX and XXXX on XX/XX/2020, XX/XX/2020 and today XX/XX/2020 about inaccurate and unverifiable collection accounts and student loans on my credit report. It has been over 6 months and I have not received a single response from anyone. I feel like my dispute letters are being ignored, that they do not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been way over 30 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report ( FTC Report XXXX : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must 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 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 : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EX SPOUSE WORKS FOR PROFESSIONAL COLLECTIONS AND HAS IN THE PAST VOWED TO " RUIN '' MY CREDIT PLEASE TAKE THIS INTO CONSIDERATION WHEN REVIEWING THESE DISPUTES I HAVE BEEN TRYING TO GET THESE MEDICAL BILLS AND FRAUDULENT ACCOUNTS UNDER CONTROL FOR OVER A YEAR NOW
Product: Money transfer, virtual currency, or money service

sent money to the wrong person and could not cancled transaction
Product: Credit card or prepaid card

This complaint is concerning my Citi Diamond Preferred Card, ending in XXXX. Citi has assessed ( and I have paid ) two ( 2 ) balance transfer fees ( {$1400.00} and {$300.00} ), even though Citi promised it would not charge these fees. After repeated requests for a refund, Citi has refused. I initiated two ( 2 ) separate balance transfers with Citi, based upon their representation that they would NOT assess balance transfer fees. I relied upon Citi 's false representations to my detriment. On XX/XX/XXXX, I called Citi to inquire about a zero percent balance transfer offer. I was informed that the offer was subject to a balance transfer fee. I told the representative that a competitor ( XXXX XXXX ) offered me a zero percent balance transfer, with no fee, and I asked the Citi Customer Representative if they would waive their fee, and the representative said YES. Therefore, on XX/XX/XXXX, I initiated a balance transfer ( over the phone, during the same call referenced above ) in the amount of {$28000.00} ( and, as a result, Citi later assessed a balance transfer fee of {$1400.00} ) On XX/XX/XXXX, a balance transfer in the amount of {$6000.00} was initiated, via a check, sent to me by Citi ( and, as a result, Citi later assessed a balance transfer fee of {$300.00} ). On XX/XX/XXXX, I chatted with Citi representative named " XXXX '' via Citis website and asked her to refund the fees. She refused. On XX/XX/XXXX, I called Citi customer service, and asked the representative ( whose identity I did not capture ) to refund the fees, and they refused. The matter was referred to Citi 's Executive Response Unit and I was assured that I would receive a resolution within 48 hours ; however, I never received any communication. On XX/XX/XXXX, I called Citi customer service and asked the representative ( XXXX ) the status, and he said it was still with the Executive Response Unit, and I would receive a resolution within 48 hours ; however, I never received any communication. I demand that Citi honor its promise of not assessing a balance transfer fee, and demand that Citi refund the fees ( {$1400.00} and {$300.00} ).