23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage escrow continues to be mis calculated each year. It is not increasing because of an increase in taxes or insurance, it is increasing because of poor calculations and they never have to provide proof. 
I entered into a loan modification process with them in XX/XX/XXXX I was only XXXX payment behind. I followed there procedures during the trial and entered into the perm modification XX/XX/XXXX at that time they told me my escrow was behind and they had to increase my payment by XXXX or XXXX dollars. here we are again they are now saying I 'm XXXX behind/short. They never corrected my credit from the modification and clearly have not reviewed the process they use to calculate escrow. I want a full accounting of my escrow payments. I told them this. 
They are continually messing up my account. They even got my interest paid incorrect for XX/XX/XXXX. I do n't know what they are doing but it is not in my best interest. 

Please help me, XXXX XXXX,
Product: Payday loan, title loan, personal loan, or advance loan

Original CFPB Complaint # XXXX This is a continuation of my original complaint ( # XXXX ), which I filed against FinFit for unauthorized payroll deductions. My initial complaint was due to two unauthorized deductions from my payroll on XX/XX/year> for a loan that was fully paid off on XX/XX/year>. Despite raising this issue through CFPB and making FinFit fully aware of the violation, they have continued this practice and have now taken ANOTHER unauthorized deduction of {$170.00} from my paycheck on XX/XX/year>. 

This demonstrates that FinFit has taken NO corrective action and continues to unlawfully withdraw funds from my wages without authorization. Their failure to address the issue, even after being formally alerted through CFPB, is a clear display of bad faith and reckless disregard for consumer protections. 

I previously stressed the significant financial hardship this has caused me, as I live paycheck to paycheck. Now, not only is FinFit repeatedly taking money from my wages, but they are also forcing me to waste valuable time filing complaints and chasing them just to get my own money back. This ongoing misconduct is unacceptable and must be addressed immediately.

I have uploaded a copy of todays check stub, where I have highlighted the unauthorized charge for easy reference. This proves that the issue remains unresolved, despite my previous complaint
Product: Bank account or service

I opened a citibank citigold debit account in XXXX 2015. There was a promotion at the time for the following clauses. 
*Make 2 payments with your debit card in 2 consecutive months. 
*Make a deposit to your account in the first month. 
XXXX thank you points will be credited to your account in 90 days. 

I called after I opened my account to confirm my eligibility to the promotion. Result was positive. 
I called 3 more times in the next 2 months to check if I am fulfilling the requirements and operators was positive about it. 
I called one more time after I match the requirements, operator was positive and affirmed me about bonus points. They mentioned in will be deposited soon. 
After a month I called again, they said it will be credited latest 90 days. 
After 90 days I called again, they said I am not targeted for the promotion and I wo n't be getting any points. I started an investigation on their end. 
After a week investigation resulted with the same conclusion. I assured them about my many calls and how they said, I am eligible and I will be getting my points.
Product: Checking or savings account

Received a text message from XXXX  about my Chase card being restricted and to call ( XXXX  ) toll number. Dont call - report it!
Product: Credit card or prepaid card

In XX/XX/2020, Citi Bank closed my account due an exceeding of the 90 day policy. 
This is the first time I had ever been in this situation which was due to COVID19. 

I am a young entrepreneur, so I did not qualify to receive any of the XXXX Loans that were available to businesses. 

This put me in a financial deficit. Prior to this situation I have always made my payments on time. 

Citibank was running a program to assist people in financial burden, and I signed up for it. 

Due to the fact that I am young and I do not have a ton of experience dealing with credit, I did not know how to respond during this time. I did not know there was a 90 day policy that would case my account to be closed. 

I continued to call and speak with agents to let them know that I had every intention of making payments as soon as I was able to generate income. 

As a father, husband, and employer, I had to see to the protection of my family and staff. 

This has been a very difficult season to endure. I would hate to sacrifice the relationships I have worked so hard to build.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let me point out the inaccuracies. These dates should be matching and also the payment remarks are not consistent with the reporting bureaus. Please help me out on this. 

XXXX XXXX  Last Verified : XX/XX/2019 -- Last Payment : XX/XX/2019 XX/XX/2019 Last Payment : XX/XX/2019 XX/XX/2019
Product: Student loan

XX/XX/2023 I called and asked why all my loans were not there. I still had two loans with XXXX and the rest consolidated with Mohela. I was told the ones at XXXX was a spousal and they couldnt be moved even though my husbands loans were paid off. I said ok, I still need to lower my payments because I pay XXXX, XXXX, and XXXX a month in student loans. We worked on the phone and they said they could lower my payments to XXXX. I said ok. Then they put me on administrative holds. They took one payment out of my account, Then I noticed my bill went to XXXX, I called and said that was not the payment that was given to me and then they put my account on administrative hold again. They still have not confirmed my employment. I have turned in all my papers with student gov. I keep getting the run around and it has been stressful. I have XXXX  XXXX XXXX XXXX and my XXXX XXXX XXXX XXXX XXXX due to bullying. I will pay my loans, but I would like a payment I can afford. For over 10 years all that has happened is my payments go up due to interest. I worked the XXXX during XXXX  and continuing to serve in a XXXX XXXX. Mohela is doing borrowers wrong and causing mental health on the American Citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX i have an error on my credit file has and error i calls a dozen times to correct and sent countless letters to have remove that is which is due to fraud and is still giving fraudster access to my credit information here are the addresses XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX, Pa XXXX please im begging you to remove these addresses immediately the only address that should be listed is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Ga XXXX and remove phone number XXXX which is a fraudulent phone number used to obtain credit, this is stoping me from helping my XXXX son from getting XXXX XXXX help and remove this is hurting my family
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 vears 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

Navient is my loan servicer, I am a student currently attending XXXX University. I started my program in XXXX, my student loans are put in deferment while in school. However, I chose to make payments while attending school. From XXXX XXXX to XXXX, I realized there were some discrepancies when the balance amount on my loans were off. I called Navient on XXXX XXXX to advise of the discrepancy, I spoke with a supervisor and she said she saw what happened. She said for some reason the system applied the a higher interest payment to one of my loans than it was supposed too. 

After that the supervisor transferred me to a different team to correct the error. Loan 1 {$2100.00} Loan 2- {$2100.00}. The team member proceeded to tell me she doesnt know how to fix it because its was an interest error. Agent then advised me she will escalate the issue and call be back in two weeks. 

Its has been passed two weeks so I called navient on XX/XX/XXXX and they agent in XXXX was overseas and didnt speak XXXX very well and advised I should have gotten an email with the findings. However, I never received an email. The agent told me that the findings said all payments had been applied correctly, but it wasnt the payment history. It was with the interest payment were the issue lies. 

Since my loan has been sold to navient I have had nothing but issues with my payments getting misapplied and I have to call to every month to fix issues. I am tired of these issues and no one returns calls.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states it is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared and that 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 its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX and transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and transunion, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' the credit companys Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : 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. 15 U.S. Code 1681e states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services. 
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Product: Credit reporting or other personal consumer reports

I checked my Experian credit report. 
There is an unknown hard inquiry, titled XXXX, dated XX/XX/2024. I have not any business conducted recently that required credit inquiry. I would like to report a fraud. I called Experian today and they placed a fraud report. I was advised to also file a report here.
Product: Mortgage

Applied with a VA mortgage with XXXX XXXX XXXX, XXXX XXXX was our agent. We supplied ALL information that was needed, received a preapproval for {$220000.00}. After being into the process XXXX and half days, with closing being on the XXXX of XXXX, he stated that my husband needed to return back to XXXX MO in order for our loan to be secured due to underwriting stating that he must have full time employment. This was untrue after we contacted our local VA our of XXXX Texas. Because my husband receives XXXX and retirement, we where more than secure for the loan. This lender did n't know their VA rules and updates! My husband had job offers available to him, here in the state of Texas, but due to XXXX, XXXX XXXX, he was unable to meet those obligations and returned to the prior police department, which put a hardship on our family, only for XXXX to not supply us the loan being XXXX and half days into the process. We feel we have been lied to and discriminated against!
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported an account that does not belong to me. 
I have requested proof of debt validation 1. Original Contract 2. Proof of Payment history XXXX. Debt Validation Nothing has been resolved and it continues to show up on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company on XX/XX/2020 and sfvised them that all three credit agencies XXXX, XXXX XXXX and XXXX  were all reflecting this as an open loan that was paid off in XXXX - XX/XX/2020 and they should update their file. However, they refused and told me to do so.
Product: Debt collection

It looks like Jefferson Capital purchased a date on a XXXX phone service bill. I had to close the phone service account with XXXX after my phone stopped working because they said my used phone should not have been activated for service and I would have to buy a new phone to continue to use the XXXX phone service. I asked them to close the account since I would rather have a different provider without this kind of headache. 

One month of service was around {$57.00}. So they must have let the account run for three months not even attached to a usable phone and with no one using the service for three months before closing the account and selling this fraudulent debt to Jefferson Capital. The XXXX agent on the phone must have not wanted to close my account under his name to avoid bad stats for his own job. I've already tried to dispute this account with XXXX and Jefferson Capitol separately, but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent a letter to XXXX and XXXX XXXX about Credit Acceptance Corp account number XXXX. This was an auto loan repossessed XX/XX/2020. The letter stated there were inaccurate balances between the 3 major bureaus. XXXX I Debt Validation Letter was sent to Credit Acceptance Corp. I have never received a response to this request. XXXX Validation of Debt was sent to XXXX and XXXX XXXX for Credit Acceptance. XXXX Second Validation of Debt was sent to XXXX and XXXX XXXX for Credit Acceptance Corp. XXXX I sent a letter to XXXX and XXXX XXXX stating some factual disputes and also that Credit Acceptance Corp had not responded to my Validation request. XXXX I filed a CFPB Complaint XXXX which included XXXX XXXX and XXXX not reporting correctly according to the CFPB. XXXX I sent a Debt Verification with specifics of the Process of the repossession, notifications, auction and payment history. This is the second time asking for validation from Credit Acceptance. I have proof this was mailed out. I also sent on XXXX letter to XXXX Stating that a Debt Verification Letter had been sent to Credit Acceptance with all this information in it. XXXX sent letter to XXXX XXXX stating factual inaccuracies. I received notice on XXXX from XXXX that Credit Acceptance Certified that the information was accurate. Also in that same report I saw where Credit Acceptance was adding fees to the total every month after the Charge off. Essentially late payment fees. In conclusion of this last part. Credit Acceptance Corp did not notify XXXX of XXXX XXXX I had sent them a dispute letter this last time either. it was not posted on my Credit report stating that. Also XXXX was told by me in the last letter that I had contacted Credit Acceptance Corp asking for Validation again and XXXX  still allowed Credit Acceptance Corp to Certify the information was Accurate ignoring the FCRA. I have video of some of these documents being placed in envelopes and being dropped in the mail boxes. I have copies of certified mail receipts for some also.
Product: Credit reporting, credit repair services, or other personal consumer reports

ceased and dististed this debt I do not validate that was sold over to a third party debt collector. 15 USC 1681a 2 ( iii ). There were 2 companies that made an agreement without my disclosure and it states it must be clearly and conspicuously disclosed to the consumer. 15 usc 1681 2 ( b ) I do not authorize this.
Product: Credit reporting, credit repair services, or other personal consumer reports

We entered in to a mobile home contract with Tammac Holdings in XXXX. Declared bankruptcy XXXX. No payments were made from XXXX forward. Bankrupty case was dismissed in late XXXX. Tammac has re aged the account and continues to report incorrect information including the Date of First Deliquency which allows this negative to remain on our credit reports until XXXX. 
We have disputed as Obsolete with the CRAs and sent proof to all XXXX, XXXX  and XXXX. XXXX deleted this account from its Tradeline, however XXXX and XXXX allowed Tammac to respond with " Verified '' and did n't even consider the proof sent. My wife is currently disputing with XXXX again as Incorrect Information with the exact same information. We have previous credit reports, some dating from XXXX, that show different dates, amounts and statuses.
Product: Debt collection

On XX/XX/2020 I recieved a letter from Unifin, Inc. indicating I had a past due account. They are attempting to collect a debt that the statuate of limitations has expired. They have represented in a deceptive way that the debt is still owed. They have placed the notice that the statuate of limitations has expired on the debt on the back of the first page of their letter. They further have placed the print indicating that there is a second page in an area that makes it easy to not notice it. This is very obviously an attempt to comply with the law while attempting to conceal important legal information from consumers.
Product: Credit reporting

I had identity theft from XX/XX/XXXX to present with my adopted name and changed it XXXX XXXX XXXX, I changed my name, as far everything was working out for the good, then in XXXX XXXX finding out that someone want a house loan or personal loan for XXXX At XXXX XXXX I log into XXXX account found out someone had change my name back to my adopted name XXXX XXXX XXXX, I took all XXXX credit bureaus reports and found out there was discrepancy on all XXXX credit bureau so I was Directed to The Federal Trade commission with this problem. They helped me in a big way & Thanks Everything was taken off in the credit report, that was supposed to include good standing accounts associated with my old name XXXX XXXX XXXX The only XXXX associated with XXXX XXXX XXXX ; XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX - My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX - XX/XX/year> This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!