23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX I refinanced my home through Cornerstone Mortgage. I chose this company because I needed to pull money out of my house for college costs for my kids. They gave me a closing cost amount that was slightly over what others were by about XXXX dollars but I went will them because the loan officer ( XXXX XXXX ) claimed she could do it quickly. As is turned out when my home loan was sold to another company by cornerstone virtually immediately and my payment was increased in XXXX of XXXX by {$120.00} dollars a month. After a lot of investigation and run around I found out that the original company CORNERSTONE MORTGAGE had told me that my home owners insurance was paid up for 12 months when it was n't. They only collected 2 months from me and it was due in full in XXXX of XXXX. The loan officer XXXX XXXX XXXX XXXX told me it was an oversight on there part and she could refinance the loan and factor in the additional amount. I explained to her that the reason I went with there company was because it was comparable to others with the closing cost. Of course the other companies were paying my insurance in full. I feel like I was lied to regarding the closing costs as they pocked the additional 10 months of insurance payment that I was told was included and now I am having to pay it again by my payment increasing way over what I was promised in XXXX. I faxed the initial escrow account disclosure to the loan officer and never heard from her. I do n't know if anything can be done at this since it says only 2 months were collected on the paperwork but I wonder how many people this company has done this to that do n't think to confirm with the paperwork or maybe do n't understand what is needed as was my case.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a formal complaint against Upgrade , Inc. regarding unexplained fees and charges to my account, and the subsequent inadequate customer service when I tried to resolve this issue. I have previously submitted a complaint dated XX/XX/2022, case # XXXX, which was closed without a satisfactory resolution. 

Summary of the Issue : On XX/XX/2022, I made a payment of {$6700.00} against a balance of {$11000.00}. The expected remaining balance should have been {$4400.00}. However, my billing statement dated between XX/XX/2022, and XX/XX/2022, reflected a remaining balance of {$5800.00}. This shows a discrepancy of {$1400.00}. 

Previous Attempts to Resolve : I contacted Upgrade, Inc. customer service via telephone but was given no clear explanation. 
I filed a CFPB complaint on XX/XX/2022. The company responded with account balances but did not explain the discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS AGREED TO RECITIFY THE LATE PAYMENT ON MY CREDIT. XXXX IS THE ONLY BUREAU TO REPORT SUCH UPDATED INFORMATION. TRANSUNION AND XXXX ARE STILL REPORTING THE LATE PAYMENT. THIS NEEDS TO BE CORRECTED ASAP. I HAVE ATTACHED THE LETTER FROM XXXX.
Product: Debt collection

I opened my credit report and saw a recent entry for a collections. I called the collections company to enquire about the collections, and I stated that I have not had XXXX  before. The agency had no information about me except my first and last name.-Nothing else. 
The person told me that the account was closed in 2021. 
I never recieved any information, either by mail or call that informed me of the debt. 
The company name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling them and requesting for anything in writing proving my association with the bill but they never send anything, its been months of going back and forth. I have no idea what company they are collecting for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX  partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 2 and 3 of the attached credit report. ) This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

My attachments will describe the issues which involve : 1. Experian failure to comply with Fair Credit Reporting Act ; 2. Failed to correct incorrect derogatory information in my file ; 3. Exhausted myself providing evidence that refutes information contained in my credit report ; 4. Failed to include statement in my credit report sent certified mail 3 bureaus ; 5. Failed to notify me that they had frozen my account ; 6. Failed to notify other credit bureaus ; 7. Failed to provide a credit score and report as recently denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago I/we had ID theft. We place freezes on the three major credit bureaus. Now I am trying to temporarily lift the freeze in order to secure a new mortgage. 
XXXX  & XXXX  have been great. Experian is a not so cooperative. 

I have tried multiple times to follow Experians online credit unfreeze process and it all ends in an error. The end result is for the consumer to call Experian. After working through all of the automated prompts their system instructs, the end result is a recording that says I need to send copies of my personal ID 's - Drivers License, SS Card, Utility bill, etc. via US Postal Service to them. Talk about a recipe for ID Theft! " Yes, send copies of all this stuff that we tell you to hold close and don't give to anyone '' Experian DOES have an option to upload documentation via secure server, just not for credit freeze/unfreeze issues. 

Experian also does not allow for ANY option to talk with a human operator or case worker.

Why is it that I am beholden and held hostage by a " for profit '' company that I did not ever sign up for their services? They have been granted " immunity '' from the federal government to exercise their freedom of " lack of customer service ''. 

I would ask that if a company like Experian is allowed to exert so much control over a consumers financial lives, then that company MUST offer a more robust customer service experience. But ultimately I would like the free market to decide which credit bureau survives or not, the the consumer/business ' decide!
Product: Debt collection

ACCOUNT NAME PARAMONT CAPITAL GROUP AccountXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Debt collection

On XX/XX/XXXX I was given two summons and complaint by a member of a family living where I reside. The summons did not list a hearing date of a court appearance nor was the complaint certified or stamped with a seal from the court. Furthermore, the complaints handed to me are defective because they do not list an index number pertaining to the cases. 

Please note that by failing to certify the complaint the plaintiff has obstructed the rules of the chief administrative judge part 130 : costs and sanctions : section 130-1.1 where it states : ( b ) certification. By signing a paper, an attorney or party certifies that, to the best of that persons knowledge, information and belief, formed after an inquiry reasonable under the circumstances, ( 1 ) the presentation of the paper or the contentions therein are not frivolous as defined in section 130-1.1 ( c ) .Of this subpart, and ( 2 ) where the paper is an initiating pleading, ( i ) the matter was not obtained through illegal conduct, or that if it was, the attorney or other persons responsible for the illegal conduct are not participating in the matter or sharing in any fee earned therefrom, and ( ii ) the matter was not obtained in violation of Part 1200. Rule 4.5 of this Title. 

Nevertheless, on XX/XX/XXXX I sent letters to MALEN & ASSOCIATES P.C. demanding that they validate the debt they claim I owe. 

On XX/XX/XXXX MALEN & ASSOCIATES P.C mailed two packets containing account statements of the two charged off credit accounts of which my alleged debt accrued. 

Note, however, that according to an FTC opinion letter by XXXX a computer-generated, itemized statement of services ( such as computer-printed account statements ) are not a validation of an alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX account number 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: Vehicle loan or lease

I rights was taking away from me from XXXX XXXX XXXX XXXX I try speaking with them about this predatory lending they called me stupid ask you do I know how to read and told me there isnt anything that can be done with the contract also not disclosing terms in the contract and us and explaining to me what they were and rolling in also not let me know that there was a balloon payment of {$20000.00} after I paid {$95000.00} for the vehicle I would not have taking a deal like this no one will have I had a brand new vehicle which I was trading at XXXX  XXXX XXXX XXXX with XXXX miles on itThey push this deal through for this car took away my rights to make an accurate decision need help following up on this
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I went to XXXX to purchase decorations for my graduation cap. Upon checking out, the young lady at the register asked me if I wanted to apply for XXXX card and if I was approved, the purchase would be free. That was the first mishap in their communication process because that purchase was not free, I just found out it was added to that credit card I got approved for. The young lady proceeded to tell me that I should receive my XXXX credit card in the mail within a week or XXXX. It is XX/XX/year> and the card was never sent to me. I received no credit card statement from XXXX. I received nothing at all. Today XX/XX/year>. I received an email saying my XXXX XXXX dropped XXXX points because of a late payment, I proceeded to see what that late payment was only to see that its XXXX reporting on my credit for nonpayment for something I didnt know about. I immediately called XXXX to see why theyre reporting on my credit for a late payment I was transferred to the dispute department where the lady advised me that I owed XXXX something dollars on that credit card, which include late fees. She removed the late fees and I had to pay {$54.00} to settle the account and I prompt them to close the account, Because they are very unprofessional in the way they carry out business. I need that incorrect information that they placed on my credit report to be removed because that was their fault. They sent no communication to me for me to be aware that there was a balance that needed to be paid, If that was a case it wouldve been paid a long time ago and I would not be in this predicament so I am asking for them to remove that inconsistency from my credit report. Because it is not fair for me to take the fall for something that was not done correctly on their end. They were so quick to report the account being 30 days late, but not quick enough to send me a statement or even the credit card that I shouldve received 3 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit card in my name under Capital One under account # XXXX. Upon reviewing my credit report last year I seen this account on my credit report and I contacted the company and they advised it was paid and charged off. I SPECIFALLY asked would this be deleted being it was paid off and I was advised that it would be a pay to delete however, I today was told today ( ( XX/XX/2022 ) that it was incorrect information.
Product: Credit reporting or other personal consumer reports

No Parking Rule/ Refusal to Pay, Cease and Desist. I Refuse to pay this alleged collection. 

You LVNV Funding are unlawfully reporting a alleged debt to my consumer report. Under Rule REGULATION F which took effect XXXX XXXX, you LVNV funding have violated the FDCPA section 1006.30a and its new rule by parking this alleged debt on my consumer report. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not giving you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offense amount to Aggravated Identity Theft pursuant to 18 USC section 1028A. You have knowingly Transferred, Possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER. I WILL NOT HESITATE TO TAKE LEGAL ACTION. LVNV funding 15 USC section 16922c ( c ) ceasing communication If the consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that a consumer wishes the debt collector to cease further communication with the consumer with respect to such debt. I refuse to pay this alleged debt, cease and desist all collection activity regarding this alleged debt and PROMPTLY DELET IT from ALL consumer repoting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information at once. The reporting of such inaccurate information is has caused severe damage to my character, my general mode of living and ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681-2 of your responsibilities as a furnisher of information you have caused my family and I severe harm due to your negligence and inaccurate reporting. This is the final opportunity to Cure and DELET This Erroneous, iaccurate account from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XX/XX/XXXX I noticed XXXX ( Acct # XXXX ) listed on my credit profile and asked XXXX to verify the information. Correspondence from XXXX company stated the information was reviewed and verified. Whereas I disagreed with their findings, In XX/XX/XXXX according to FCRA, Public Law 91-506 Title VI section 611 Subsection A-D, I asked Experian to reinvestigate the alleged account and to provide the method in which you verified along with any supporting documents. On XX/XX/XXXX I received correspondence from XXXX stating the account was again verified and accurate. However, it is not! 

As reported on my consumer report ( attached ), the alleged account ( XXXX XXXX Acct # XXXX ) was charged off XXXX of XXXX. Since then, the account has repeatedly been updated as charged off every month. To my understanding a charged off account should NOT include an active payment history. XXXX 's failure to verify this account is now causing me financial harm.
Product: Debt collection

On XX/XX/year>, I sent a letter to your office requesting the validation of an account that you claim I owe. Despite this request, I have not yet received any documentation verifying that the debt is valid and belongs to me. 

I request the following details to validate the debt : Documentation verifying that the debt is valid and belongs to me. 

The original creditors name and contact information. 

The amount of the debt, including a breakdown of how the amount was calculated. 

Proof that you are legally authorized to collect this debt. 

Copies of any contracts or agreements I signed with my actual signature to create the debt. 

Please consider this letter a formal dispute of the debt until proper validation is provided. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to stop all collection activities until you provide the requested validation. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation.
Product: Debt collection

We received a letter from ERC to collect in error a " balance with XXXX XXXX XXXX remains unpaid ''. XXXX XXXX XXXX worked out a final payment which was made over a year ago. Per XXXX XXXX XXXX and the Alabama Utilities Commission there is no balance due. Taking our valuable time to address this claim is causing harm to our household.
Product: Credit card or prepaid card

Our credit card was stolen and was promptly reported to the credit card company to block the card and avoid future fraudulent charges. Over a few weeks, we still noticed charges coming thru on a blocked card and the bank is unable to explain how a locked card can receive charges. 

They have since posted these fraudulent charges on the account and expecting us to pay. The bank representative suggested we close the account to avoid further unexpected charges instead of identifying and resolving the issue. 

The card we are using is BJs credit card. The services are provided commenity bank.
Product: Mortgage

XX/XX/XXXX - Call PHH mortgage to refinancing my home due to my husband was let go from his job and my household income reduced 50 % and we are on strict budget to keep up with our expenses. This is a very simple and straight forward refinancing without cash withdrawal but just to reduce monthly payments with reduced interest rate. 


XX/XX/XXXX - Applied for refinancing on my primary residency home XX/XX/XXXX - Start working with loan processor XXXX XXXX XXXX, PHH Mortgage, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, FL XXXX Tel : XXXX XX/XX/XXXX - My refinancing loan was approved with additional questions were requested via email XX/XX/XXXX - Feedback with my answers XX/XX/XXXX - Call the loan processor for an updated but no answer and I left an voice message XX/XX/XXXX - XX/XX/XXXX - Called several times in the next few days but no call back. Another loan processor answered and kept me on hold for 30 minutes and hung up on me XX/XX/XXXX - Spoke to a different loan processor and request to escalation and she acknowledge it XX/XX/XXXX - Called PHH again and another loan processor answer and put me on hold for more than30 minutes. 

t 's so frustrating and disappointing that the company perform a such a bad service while we need the most help from them to keep us out of debt.
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX  Account Name 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 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 card or prepaid card

Someone filed a change of address in my name to an address in XXXX Texas. Some of our utility and credit card bills along with our mortgage statement went to the new address. Using the information in them they applied for, and received, credit cards from US Bank, XXXX  XXXX and XXXX XXXX XXXX. They also applied for a card from XXXX XXXX which I disputed before the card was issued. We have contacted each of the banks involved.
Product: Checking or savings account

On XX/XX/18 I made a checking account deposit for a check in the amount of {$15000.00}. Funds were supposed to be available on XX/XX/18 as printed on the deposit slip. On XX/XX/18 I found out that my entire account was restricted when I went to Chase branch to cash a check. I could not access any of my funds in the account even what was available before I made the {$15000.00} deposit. I made several calls and spoke to the loss prevention team, also visited the branch and spoke to managers. There is no resolution at this time and my account is restricted. The reason for the restriction as they stated is an improper endorsement of the check, so I asked them to return the check so I can go back and get properly endorsed. It appears to me that the funds have already cleared and therefore Chase can not reverse the deposit and return the check. I also contacted the check issuer and was advised that the check indeed cleared their account. At this time Chase is holding entire funds on my account and not just {$15000.00} deposit. There is another deposit hold of {$2400.00} plus funds that were there before this happened. It is unfair that they are doing this, because I need the funds for my family expenses and to send kids back to school. It is causing a great hardship and is completely unreasonable. Please release the funds or return the check.