23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH is the servicing company for XXXX, which holds the mortgage.I tackled with PHH in XXXX 2017 about paying my property taxes early, due to the new tax laws. They advised me to do so and then send them separate receipts for each quarter  paid (I paid two quarters) via fax and then to follow up by phone two days later. They also advised that 10-days after my call they would be able to review my escrow account and return any overpayments to me.I followed the above procedures and asked for an escrow review. PHH advised me that two-days after my call they mistakingly sent payment to the XXXX XXXX XXXX for quarterly taxes and that I would have to wait for the money to be returned before they would review my escrow and return funds.The net is, they have asked me to fund their mistake and have been completely unresponsive, either not calling back for days or simply putting me off. I have gotten nowhere with them and would appreciate your intervention so that they immediately return the funds with interest credited from the day they removed them and, accordingly, review my escrow and return the overage.Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXt # XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the fair route credit reporting act 15 USC 1681 section 602 a states there is a need to ensure that consumer reporting agencies exercise the grave responsibilities with fairness and impartiality, and the respect for consumers rights to privacy. XXXX and Experian are consumer reporting agency and I am a consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states it is the policy of the Congress, that each financial institution has an affirmative and continuing obligation to respect the privacy of customers to protect the security and confidentialities of those customers nonpublic personal information XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subsection see any consumer reporting agency may furniture consumer report under the following circumstances, and no other : in accordance with the written instructions of the consumer, to whom it relates XXXX XXXX the financial institution, and the consumer reporting agencies XXXX and Experian do not have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX XXXX whether it be verbal nonverbal written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that a financial institution, may not disclose nonpublic personal information to nonaffiliated third parties, unless the consumers, giving an explanation of how the consumer can exercise that non-disclosure option XXXX XXXX Never informed me of my right to exercise. My non-disclosure option. Not only that 15 USC 1681C. ( a ) ( 5 ) states except as authorized under subsection be no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years this account is an adverse item. They are reporting again without my permission, and it is against the law. 15 US code 1681 S-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer reporting agency is the person knows or has reasonable cost to believe the information is inaccurate 15 US code 1681 E. states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of this section 1681C of this title, and to limit the furnishings of the consumer reports to the purposes listed under section 1681B of this title XXXX and Experian are not mean tanning reasonable procedures. also 12, CFR 1016.7 states that a consumer may exercise the right to opt out at any time. I am opting out of their reporting services.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I had an appointment in branch with XXXX XXXX XXXX XXXX. I decided not to proceed with opening an account and cancelled the appointment. To my surprise, XXXX XXXX XXXX XXXX ran a inquiry on my ChexSystems report on XX/XX/year> without my permission
Product: Credit card or prepaid card

I received an offer for 0 % rate until XXXX 2021. I called to take advantage of this but was denied a lower rate unless I did balance transfer. However, the offer doesn't state balance transfer. I wanted to make a large purchase using this card but at the lower rate offer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent activity reported on my credit file. Upon reviewing my credit report, I noticed several accounts opened and these accounts are not mine, and I did not authorize any transactions related to it.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$20000.00} : US SM BUS ADMIN ODA XX/XX/XXXXXXXX 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

I received statement In XX/XX/2022. Billing cycle end XX/XX/2022, payment due XX/XX/2022 with balance due XXXX. I paid entire balance XXXX on XX/XX/XXXX. XXXX XXXX assessed a {$2.00} minimum interest charge on the XX/XX/2022 statement even though the account at that time had a XXXX balance. This is contrary to the terms of the account which I have from the time of the opening. Because I was under the impression that I had a XXXX balance, which I did I did not evaluate to make further payments. XXXX continued to charge me late fees and interest on late fees on that XXXX dollar balance that should not have been assessed to me in the first place. I did not realize until they started calling me in XX/XX/2022 that I even had any of these charges because again, I never should have been assessed the XXXX dollar fee in XX/XX/2022 in the first place. My credit report now indicates that I have a serious delinquency 60 day late payment from this creditor. When I contacted XXXX via phone, they reversed the late charges, but told me that I owed them XXXX dollars which I paid immediately just to be finished with the situation. I also at that time requested that they account be closed which they still have not done. Now strangely, on my open account, I have a credit of XXXX cents. Additionally, I have attempted to dispute this through Experian, and nothing happened.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX
Product: Debt collection

Formal Fraud Report, The fraudulent landlord   XXXX   XXXX   XXXX   XXXX    (  Creditor ) is committing intentional fraudulent activities again and as previously expected and documented in the filed in the Declaration at the Bankruptcy  XXXX  ourt. This time they are committing a major violation to the federal law and the automatic stay. The Bankruptcy Court mailed them the Bankruptcy documents as confirmed in the courts Certificate of Notice.    
Notice by first class mail was sent to the following persons/entities by the Bankruptcy Noticing Center   on   XXXX   XXXX   XXXX      XXXX  +Greene  XXXX   XXXX   XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Second Floor,  XXXX   XXXX   XXXX  CA  XXXX   XXXX  +SCG  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , CA  XXXX   XXXX , they are doubling the amount of the false charges intentionally. The  XXXX  false judgment which they have won based on bribes and corruption through the corrupted law firms name above stated that the total judgment amount is {$7000.00} which is listed in my Bankruptcy case schedules.     Now, this fraudulent landlord and this fraudulent collection agency ( I.Q.  XXXX   XXXX   XXXX   XXXX   )  is stating that the amount is {$15000.00} as they are intentionally ignoring the Bankruptcy case, Bankruptcy Court, and the Honorable Bankruptcy Judge.     Furthermore, they are falsely including my ex-wifes name on the collection agencys fabricated bill while she was never on the leasing contract with them. They are practicing intentional violations and disrespecting the entire judicial system.     They are also aware about this entire Bankruptcy case as they are represented by another corrupted law firm (  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  They have filed an NEF Request on  XXXX / XXXX /  XXXX   ).     Additionally, they are falsely changing their legal name in the fabricated collection agencys bill from  XXXX   XXXX   XXXX   XXXX  to a false and fictional name  XXXX   XXXX   (  CA ) intentionally aiming to escape from the legal consequences and to   mislead justice.
Additionally, they stole my furniture and my security deposit as I documented everything in my Bankruptcy case schedules ( the fraudulent leasing manager sent an email directly to me confirming that they have stolen my furniture and my personal belongings as I could not afford the moving expenses due to their violations and the harm they have cause to me ).
Additionally, they are mailing this fabricated and false bill to my old address intentionally as they want to cause intentional delay for the mail delivery so they can use this time to continue their fraud activities while they are aware of my new mailing address as documented in this Bankruptcy case and the Superior Court of California cases as well.
Those fraudulent and dirty people are paying bribes and fabricating documents.
The fraudulent collection agencies name and address : I.Q. Data International, Inc.      XXXX   XXXX   XXXX   XXXX , WA  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union LLC XXXX XXXX XXXX XXXX. Box # 2000 XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( 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 XXXX XXXX with my Signature on it XXXX 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. I demand the following accounts be verified or removed immediately. XXXX XXXX  XXXX XXXX Provide Physical Verification UNVERIFIED ACCOUNT * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts that did not belong to me and accounts that were never late. 

There are also two accounts listed below that are reporting late payment history which is incorrect as these accounts have never been late. I need these three accounts listed under ACCOUNTS TO BE AMENDED to never late. 

I need these three accounts listed under ACCOUNTS TO BE DELETED to be deleted. 

I have a real estate transaction worth {$250000.00} investment property being held up in escrow due to these negative accounts being reported on my file.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

bank in MN would be XXXX XXXX using my name XXXX XXXX could possibly be XXXX XXXX using my name.Also child support was cancelled by my sons dad XXXX XXXX, our son is XXXX he stopped all arrears and back support, nothing filed in XX/XX/2020.Last time I checked my score was 680-760 only 3 months ago.Also I had transferred {$40.00} from my work pay check card ( wisely-daily pay ) to my bank account 3-4 weeks ago and it still is not in my account at XXXX XXXX  wondering why??? I also have identity theft through social security and federal and state.Also stolen DL and social security cards
Product: Mortgage

Homeowner had Foreclosure mediation with Select Portfolio Servicing Inc. & their attorney on XXXX/XXXX/2014. No retention option has been reached & Select Portfolio Servicing offered Cash for Key to move out for {$3500.00}. Select Portfolio Servicing prepared document for Homeowner to sign & Also mediator confirmed during our mediation that they are going to give Homeowner {$3500.00} when they takes the property. Homeowner 's property has been taken away by Select Portfolio and they never sent payment to Homeowner. We called to the Select multiple times to send us check but they would not send check to Homeowner who 's house has been taken away by Select Portfolio XX/XX/XXXX.
Product: Credit card or prepaid card

I DO NOT HAVETHIS CREDIT CARD AND I DON'T EVEN KNOW WHAT KIND OF CREDIT CARD IT IS. i HAVE NEVER HAD THIS CARD. I RECEIVED THIS LETTER XXXX XXXX. from Comenity Bank. This letter was sent to my relatives address ( XXXX XXXX XXXX, XXXX MA XXXX ) with my name. It states that my account # for my XXXX card has changed and my old account # will not work after XXXX. It states " Here is your new account # XXXX You can start paying your bill with this new account # right away '' Today, XX/XX/2022, I called the phone # XXXX. I told the woman on the phone that I do not have this credit card and NEVER had this credit card and to please remove me as I do not have an account. She asked for my Social Security # and my Date of Birth. I told her I was not comfortable giving out that information. I gave her My name and the account # they gave to me. She demanded my Social Security # and Date of Birth again. I told her they shouldn't need it because here is my name and account #. She became irate and told me she was ending the call. She continued to ask for my SS # and D.O.B. I told her I will report to the XXXX. she hung up. 
I have filed a complaint today with the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Company name : XXXX XXXX, Account # XXXX Company name : XXXX  XXXX, Account # XXXX Company name : XXXX  XXXX, Account # XXXX Company name : XXXX XXXX, Account # XXXX Company name : DEPT OF EDXXXX, Account # XXXX Company name : DEPT OF EDXXXX, Account # XXXX Company name : XXXX  XXXX XXXX XXXX XXXX, Account # XXXX Company name : XXXX XXXX XXXX, Account XXXX XXXX Company name : XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Company name : XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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: Student loan

I ca n't pay for my private student loans. They have ballooned to more than double what I borrowed. I feel like I have a " payday '' student loan. They want me to pay over {$220000.00}, who can afford to pay that? They were marketed to me as a way to pay for the things you want or need while in college. To buy books, a nice apartment or even a new car. I got emails frequently saying it 's time to sign up again for your Chase Education One loan. I thought the Chase loans were different than the XXXX XXXX loans because XXXX XXXX mentions additional fees in their advertisements were as Chase did not. 

Well to make a long story short, they were sold to a different bank while in forbearance. I received no notification that they were sold and no notification that the sale took them out of forbearance. I also received no notification they went into default, I only learned they were in default by a debt collector call months after they were sold and place into default. I thought I was being scammed because I had paperwork saying they were in forbearance. 

I 've have searched for advice the last 6 years on how to settle and handle the loans only to be misinformed, sold some unneeded service debt service and flat out told you have no hope to get the loans out of default. 

Now that information is becoming more available I have learned in order to get them out of default I have find find a competed private student loan attorney, pay $ 2-4000 in lawyer fees and another $ 4-8000 as a good faith deposit just to get them out of default. Likely many, I could n't come up with all those fees and now I am being summons to court. How can I while making $ XXXXk a year afford to get caught up on these loans, let alone pay off the loans. These loans have left me helpless and hopeless!
Product: Credit card

Goldman Sachs Bank services my GM Rewards Mastercard. I got an email this morning notifying me that they had lowered my credit limit from {$2500.00} to {$1000.00}. The stated reason is : Your XXXX credit report shows you have recently been past due on another credit card account. In fact, this reasoning is false. I pulled my report after receiving the email and it shows no derogatory activity since 2019, well before this account was opened. I have received no correspondence from my current creditors that I am past due at all, much less more than 30 days to have this information appear on my credit report. 

I called and first spoke with a representative who identified herself as a supervisor ( I did not ask for a supervisor, I simply got one ). She stated I would have to obtain the credit report TU furnished. It seemed as though she believed it was most likely there was simply information on the report I was not aware of because she asked if I was getting my information directly from XXXX  or a third party like XXXX XXXX. I informed her I had a contradictory credit report more recent than the email, directly from XXXX. She advised that I call XXXX anyway. So, I called XXXX and was informed that my current copy of the report was the same information that was furnished to Goldman Sachs. They said this would be something to dispute with the creditor directly, since my credit report doesn't actually contain any recent derogatory information. 

I called Goldman Sachs back and reached another representative. He apologized for the inconvenience and informed me that this is an automatic process, he can not see why beyond the stated reason, and my only recourse is to apply for a limit increase in the future. He said he would note my concern on the account, but that there was nothing he could do. 

Goldman Sachs admittedly has no escalation/dispute process for something like this, or they are being elusive in offering it. They assume that their system correctly assigned adverse action, and that if there are any issues I must contact the credit bureau ( the adverse action email says as much ). The only thing that makes sense is that they are using my bankruptcy and the accounts discharged in it, which occurred years prior to my account opening with them, against me now, when they did not choose to use it against me when I applied for an account in the first place. Or perhaps it's an inexplicable system error. I don't know, they can't tell me, and it doesn't make sense. I can provide a copy of the credit report on demand to prove this. 

I do not know what rights if any I have to dispute this, but it's literally not an honest business practice to deal with a consumer based on false information and then refuse to investigate its accuracy.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I am a victim of identity theft and I never opened this account. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail.