23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Me and my brother credit information has been intertwined to the point where almost all past due balance, loans, and debt collection reports ( which should only appear separately on each of our accounts ) are now seen on both of our credit reports. It might have to do with the fact that both of our social security numbers are seemingly identical ( only the last few digits are different ) and at which one point either of us used one anothers numbers to pull out loans or other credit.
Product: Payday loan, title loan, or personal loan

Received phone call from GE Capital with a phone number of XXXX. Spoke with a man named XXXX XXXX. Stated I was qualified for a personal loan. He wanted to pay off my credit card above the loan amount to boost my credit score. I told him then I was not interested. This is a Spam Call.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 604 A states that I have the right to fair and accurate reporting. XXXX XXXX ACCT # XXXX - PAST DUE amount is {$5000.00} on XXXX and XXXX and Experian reports {$5100.00}. LAST PAYMENT DATE reports as XX/XX/XXXX on XXXX and Experian and XX/XX/XXXX on XXXX. Also, my rights were violated according to 15 U.S.C 1692c : A debt collector can not communicate with a consumer without their written consent, as this company has engaged in harassing and recurrent phone calls.
Product: Mortgage

On XX/XX/2021 the company MyLoanCare NMLS # XXXX should have automatically drafted a mortgage payment from my bank. My account with this lender has been on autopay since the account was created. The lender has not drafted from my account which at the time had sufficient funds. The lender refuses to pick up the phone or provide a way to contact them.
Product: Credit reporting or other personal consumer reports

I had reached out to the Equifax numerous times since 2017 .So today I followed up some unknown inquiries on my credit file as well a debt collector. I have send in my information numerous times even to the debt collector who had my name misspelled and different address some how they changed it to my information I have now. I have two police reports and identity theft report. Gave the case numbers out. Even provided proof today which is XX/XX/XXXX, How come Equifax send me information but the agent indicated thats not their address any longer from a request form that they send to me. Even inquiries I have no knowledge of. ( I even have the confirmation on the for XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Product: Credit card or prepaid card

In XX/XX/2019 I purchased a couch and entertainment center on credit from Ashley Home Furniture Store. I was clearly explained that this was a 12 month interest free purchase after the 12 months I would be charged interest PER MONTH based off of what I had my principal balance paid down to. I just received my billing statement and I'm being charged {$580.00} in interest, {$38.00} for an over my credit limit charge AND 29.99 % interest on all of the above moving forward. A call was placed to Syncrony bank c/o Ashley Homestore and told the best they could do is me pay my principal balance in full today to avoid the extra charges and interest. The representative at Syncrony informed me this was a promotion when I made the purchase and the promotion was that I had to pay in full in 1 year to avoid being charged interest on the total purchase amount in 2019. How is this legal? I'm being charged interest ON TOP of interest. Absolutely none of this was explained when the purchase was made.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts listed on my credit report. Please remove these accounts from my credit report. These fraudulent accounts are hurting my ability to obtain credit
Product: Credit card or prepaid card

Our company account was closed due to the sale of the business in early XX/XX/2018, we have a credit balance in the amount of {$670.00} that we have been attempting to recover for the past 4 to 6 weeks. We have made 3 calls to their customer service number, the last time today, XX/XX/2018, and the we are told that a request has been sent to their AR department who is responsible to process the refund, but when a call is made to check on the status of the refund there is no update to our account.

Their customer service staff acknowledge that there is a credit balance and that a refund is due and that we will receive notification of the status and a refund check. But as of this date we have not received the refund check and they and they can provide no additional information since it is in the hands of their AR department.
Product: Mortgage

In XX/XX/2023, PNC Bank took over our Mortgage Servicing from XXXX XXXX XXXX. During this Transfer, the account/routing number was transferred incorrectly, and as a result we were required to make a manual payment, visit a branch, and reach out to their service team on multiple occasions before they would accept our original billing information as an acceptable method for our recurring payment method. This was only the first of a multitude of frustrating and time consuming interactions with PNC, a servicer we did not choose or wish to work with. It took several weeks and many attempts for them to recognize our automatic payment method. 

On XX/XX/XXXX, I received a letter stating that Hazard Insurance coverage verification was required for our property insurance to confirm our coverage. This was sent as a letter to us, and was put on us to resolve, requiring yet another call. PNC has the name of our insurance company and could have verified this themselves. I spoke to an agent who said they would confirm with our insurer and let me know- I never received a call or email to confirm. This was never an issue with our earlier insurance company. 

On XX/XX/XXXX, I received an escrow account statement including a check for {$6300.00}, leaving an {$860.00} balance in our escrow account. Our escrow total requirements were calculated on the previous owner 's reduced tax bill of {$1400.00}, leaving us without sufficient escrow balance to pay our property tax obligation of {$4300.00}. I called PNC - again - to see what to do with this - the value of the check had already been debited from our account. I was told to deposit the check into my checking account ( due to the amount I had to go in person to a branch of my XXXX XXXXXXXX XXXX to do this, taking more time out of my day ) and then to pay it back to PNC to my escrow account. I have no idea how PNC would pay into just the escrow, so I asked if I could pay the property tax directly to the city and then resolve this with PNC afterwards for the following year. I was told this was OK. 

Today XX/XX/XXXX, I intend on making the payment to the county. Out of concern/hesitancy I check the PNC account and see a disbursement was made XXXX for the property tax bill, with an " escrow advance '' from PNC of {$2700.00}. I check the county tax register and the tax bill has not been paid. I call PNC and speak to a supervisor who tells me that this is covered by PNC ( I check to confirm that this hasn't come out of the account we pay our mortgage from ) and am given a very vague answer and told to call the county myself to check on the tax status. I ask if our payment obligations monthly will be higher to account for their error to make up the {$2700.00} " escrow advance '' to resupply the escrow for next year. They don't know and apparently " are working on it ''. At this point I don't believe my taxes to be paid and I do not know what escrow payment I can expect and PNC representatives are kind but frankly unhelpful. This was never an issue with our previous servicer who we rarely spoke to and paid our tax bill at the {$4300.00} accurately and on time.
Product: Credit card

Synchrony Bank who owns my TJMaxx credit card introduced paper statement fees. They charge {$1.00} per month anytime they send a paper statement to a client. A client could reject this change by closing the card. This is a predatory fee targeting people who may not use email on a regular basis to access their bill statements or pay their bill online. The clients are more likely to miss a bill if it gets into a junk mail folder or if they don't check their email on time which would result in a high-interest late penalty ( almost 40 % ). I am an XXXX person and I think many XXXX  people will end up in the group of clients Synchrony Bank is targeting and discriminating against.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a home buying journey early 2021 and noticed inaccurate and invalid information on my credit report. I have requested The companies to validate or remove this items from my report since as early as XXXX of XXXXThese companies have refused to do so in over a year!! 

I find this act as 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character. I have not received any response back on this matter. This issue has affected me purchasing a home and my good name. The item is XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  Per the Law ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card

Since XXXX XXXX, I have made payments to the Military star Card on time. Each time I made a move, I changed my address. In XXXX XXXX, I moved from XXXX to XXXX XXXX and I was receiving statements at my new address. Around XXXX XXXX I realized I was not receiving any statements from the Military Star card and so I decided to call the company and ask them why. I was told by the lady on the phone that they were sending my statements to my XXXX address even though I had been living in XXXX for over a year and a half. The lady said my statements were once again going to my XXXX address and she did not know why. I then changed that address again with her over the phone. She also informed me that I had a payment of {$44.00} due so I immediately paid it off with her over the phone. I have been receiving my statements at my XXXX address ever since. 
When I pulled a credit report recently, it showed that I have a 30 day and 60 day late payment with the Military Star card for a time period where my statements were going to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested method of verification an item reporting on XXXX as " XXXX XXXX XXXX XXXX ''. They completely ignored my request and did not re-investigate or respond at all. 

I also requested methods of verification from Equifax on an item listed as " XXXX XXXX '' that they claim to have verified. 

Neither of these accounts are mine and I've made them aware of this on several occasions so I can not see how they can tell me they verified it when it doesn't belong to me. Their system is off and something needs to be done!
Product: Debt collection

My credit report showed two accounts in collections from XXXX XXXX in the amounts of {$230.00} and {$2200.00}. I previously did not receive any communications from XXXX XXXX about these bills and found out about them on my credit file. Once I became aware of the accounts, I made arrangements to pay in full. I spoke to several representatives at XXXX XXXX Billing Dept. and TransWorld Systems Inc. and all agreed to remove from the credit file if paid in full. These are still showing on my credit report and need to be removed ASAP as it is effecting my ability to obtain a mortgage. These accounts have both been paid in full with no other outstanding balances. Please remove from my credit file ASAP. Thank you kindly.
Product: Mortgage

The loan originating fees were changed for no reason. These are the highest loan originating fees amongst all players and still they were increased even after being the highest. 

Please investigate if Pulte is consistently applying the same originating fees irrespective of the borrower
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX-debt buyer XXXX-DEBT BUYER {$2200.00} XXXX XXXX XXXX XXXX $ XXXX-collection NAVY FEDERAL CREDIT UNIONXXXX XXXX, XXXX XXXX sold alleged debt US DEPARTMENT OF EDUCATION-no contract {$70000.00} , {$36000.00} Identity Theft : FRAUD- NO CONTRACT NO LAW 15 USC1681 ( b ) XXXX What Species of Money did either of these companies provide? What Species of money you are demanding?
Product: Debt collection

I received several calls yesterday ( both resulted in voice-mail messages ) from someone who said he was " XXXX XXXX '' with Integrated Services yesterday. He said they were XXXX claims/charges for " bounced checks '' associated with my previous/now closed, bank account and that Integrated Services is getting ready to come to my place of business and issue the summons to me. He indicated that he knew this would be very embarrassing and costly to me and that in order for him to not proceed with that action I needed to contact him back immediately to make arrangements to pay him what I " owed ''.
Product: Credit card

Bank of America mismanaged a balance transfer and sent money to the wrong account. Months of phone calls trying to resolve this fully have only partially solved the problem.
Product: Debt collection

Midland Credit Management XXXX, MI XXXX Phone : ( XXXX ) XXXX Subject : Formal Notice of Debt Validation Requirements- Account # XXXX, XXXX Notice to Principal is Notice to Agent Notice to Agent is Notice to Principal Dear Midland Credit Management, This letter serves as a formal request for validation of the debts referenced above, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay but a request for proper validation and documentation of the claims.

You are hereby notified of the requirement to provide all relevant documentation in your possession that substantiates the debts and my liability, including but not limited to : The original contract or signed agreement between XXXX and XXXX XXXX. 
The promissory note, if applicable. 
Truth-in-Lending disclosures and closure disclosures. 
Documentation of any transference contracts or proof of assignment of the debts. 
XXXX, XXXX, and XXXX filings related to any associated investment portfolios. 
Payoff statements and documentation of any security interests in investment portfolios.

Copies of IRS forms ( W-9 , 1096, 1099-S, 1099-A, and 1099-OID ) related to these accounts.

A detailed statement of the debts, including the principal, interest, fees, and other charges.

A consumer statement, if applicable.

Verification of your claim or ownership of the debts, including legal authority to collect them. 
For clarity and compliance with accessibility standards, I also request : A description of the language and grammar system used in your documentation. 
References to the dictionary utilized for technical terminology. 
A legend for any symbols present in your documents. 
Upon receipt of these documents and verification of the contractual agreement, arrangements for payoff can be discussed. Additionally, provide any policies your company has regarding the transfer of accounts to a trust, should that be applicable.

In accordance with Public Law 111-203, Title X, 124 Stat. 2092, and 15 U.S.C. 1692g, you are required to respond within five ( 5 ) business days of receipt of this notice. Failure to comply will constitute acknowledgment that no contractual agreement exists or that the debts have been satisfied in full under 15 U.S.C. 1692g ( a ).

Thank you for your prompt attention to this matter. 

With regards, XXXX XXXX
Product: Mortgage

I made 2 payments to my mortgage company ( Lakeview Loan via XXXX ) thru my bank 's ( XXXX XXXX XXXX XXXX ) billpay. the payments were for {$1500.00} sent XX/XX/2024 and delivered on XX/XX/2024. I made another payment for {$860.00} on XX/XX/2024 and it was delievered on XX/XX/2024 both according to the bank. My monthly payments are {$860.00}. So this amount totaled nearly 3 months of payments. ( One for XXXX, XXXX, and most of XXXX 's ) The mortgage company says they didn't receive payment. I keep getting told to contact the payment research department via email. I can't get anyone via phone as I'm told they don't speak to people. I have emailed them several times ; I was told to provide " proof. '' So I submitted screen shots of the bill pay. They responded with needed my entire month transaction history. I did this and then they stated this wasn't good enough..they need an electronic transmittal form. I went to my bank 3x times along with calling my bank and putting in request tickets 4x. I was supposed to receive call backs regarding the 4 different tickets but never did. Going inside to a branch, they gave me a generic letter saying I made the payments and gave the dates and amounts. They state they don't have electronic tranmittal forms. I called XXXX back and they stated most banks use a third party company for bill pays, to get form from them. I then went back to the bank and stated this ; they admitted they use a third party company but would not disclose the company and the bank stated that the company doesn't speak to the public, and that the form they gave me is the one that the third party would give me. This is untrue. My credit report shows I'm 3 months behind on my mortgage and my score has taken a substantial hit because of this. I also have accrued late fees also.
Product: Debt collection

I was removed 100 % from an account XX/XX/2020. The loan was from Paramount Capital Group through XXXX XXXX XXXX XXXX. Paramount Capital removed me from this account in full. XXXX has now sent this into collections. I HAVE BEEN REMOVED FROM THIS ACCOUNT. WHY is this being sent to collection if I was removed?
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX  XXXX Account : XXXX Creditor : XXXX XXXX  XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Vehicle loan or lease

Hello, I bought a XXXX  XXXX from XXXX XXXX in XXXX, CA. The purchase price of the car was {$31000.00} including tax. I put down my car work {$6800.00} and {$1500.00} cash. Instead of open a loan for {$31000.00}, they ADDED my amount to a larger loan, effectively stealing {$11000.00} dollars from me. My loan amount should have been {$31000.00} less {$6800.00} + {$1500.00} or {$23000.00}. Clearly a XXXX  XXXX is not worth $ XXXX, no matter how " hot '' the used car market is. I want my loan amount reduced and XXXX XXXX the head of finance held accountable for stealing money from me. My salesperson XXXX XXXX who is no longer employed with them. Please advise next steps. Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed. 
Unauthorized Accounts : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$870.00} XXXX - XXXX - XX/XX/XXXX - {$940.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$690.00} Unauthorized Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX XXXX  - XX/XX/XXXX