23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I entered into a loan modification contract with XXXX  XXXX XXXX. Pursuant to the terms of the contract, the interest rate would increased on XX/XX/XXXX. We received notices from the current loan servicer Select Portfolio Servicing as to the rate increase and that we should take the opportunity to apply for a loan modification. Select Porfolio did not process the loan modification in good faith, thus engaging in Floridas deceptive business practices. The payments increased to {$1600.00}, when i ask why such an increase, was told by a representative that was due to not having a previous escrow account. This statement is false i have attached a copy of the mortgage statement for your records that proves that the account always has maintain an escrows, in fact since the loan originated. In addition According the mortgage statement for XX/XX/XXXX reflects a monthly due of {$800.00}. Then suddenly the mortgage statement for XX/XX/XXXX reflect that we are behind {$7100.00}. Clearly this a fraud. If on XXXX the amount owed was {$800.00} because was making timely payments i can not possibly owe {$7000.00} the following month. Select Portfolio has inflated the amount owed. Moreover, the loan modification proposal reflects a ballon at the end of the loan in the amount of {$53000.00}, which we are not in arrears such amount. It is obvious that Select portfolio has engaged in deceptive business practices and we ask that you investigate. Select portfolio have increase the loan balance without any justification and this is fraud. At this juncture we will not be sending any future payments until the account is given credit for the fraudulent loan balance increased. On XX/XX/XXXX, we send two Qualified Written Request to select Portfolio Servicing under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). The company failed to acknowledge our request within 5 business days and also failed to respond within 20 days of receipt. We are asking select portfolio to respond to this complaint and the qualified written request under RESPA. Select Portfolio must comply with the request under RESPA, its a Federal Law. I am also requesting transaction history in detail from Select Portfolio since the first day servicing the account.
Product: Debt collection

XXXX XXXX XXXX KIMBALL TIREY STJOHN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX I am writing this to bring to your notice the following information added to my credit report. The amount {$4500.00} along with the name XXXX XXXX XXXX XXXX XXXX are falsely added to my credit report without my prior knowledge. ON XX/XX/XXXX KIMBALL TIREY STJOHN claimed that I am not YOUR customer or client of respective credit reporting agencies. I am deeply surprised by this statement, as it contradicts the presence of a collection account on my credit report, which clearly indicates that YOU have my personal information. I refuse to pay this debt I have attached a copy of the response to the XXXX  for your reference.
Product: Credit reporting or other personal consumer reports

Addresses and phone numbers Im no longer associated with comes up on my reports. I want them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted letters to Credit Companies about inquiries in my report that I didnt recognize dating back to XX/XX/XXXX. They have yet to honor my request to remove the incorrect information. I submitted police reports but still no replies. 

I also show XXXX and Experian has removed a debt but XXXX XXXX still carrying it. I would also like that removed.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I signed up with Kikoff for a background check service to rent a house ( {$15.00} I believe ). I did not realize at the time that it also signed me up for a credit monitoring service at the same time that I did not want. 

After the initial cost, I started getting emails to pay for my subscription credit monitoring service. I tried canceling numerous ways, but got no response. I did not make any additional payments and never used the service. 

I may have gotten a couple additional requests to pay, but then all communication stopped and I believed the service ended. 

Instead, they were billing me in secret. While the total amount wasn't much ( ~ {$55.00} ) eventually they reported me to the credit agencies for being in default without notifying me, which wrecked my credit score. Their service is effectively blackmail.

Once I found out about this ( from a separate background check ) in XXXX of XXXX, I disputed the charges reached out to the company. Their only response was that nothing could be done. Even paying the past due amount could not get the black mark on my credit history removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account # XXXX Experian/ 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. 16815-2 ( 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. XXXX XXXX states i have had a card since XXXX  but the experian/ XXXX reports only reflects XXXX. XXXX XXXX  Account is passed the statute of limitations of the New York State Consumer credit fairness act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires. XXXX XXXX/ bureaus erroneously report that the account is still active illegally restarted removal timeline after settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX XXXX i filed a complaint file number XXXX XXXX regarding my account at XXXX XXXX XXXX XXXX to correct my paided account to transunion.. they did do that and also agreeded to honor customers request to have it removed from all three credit reporting agencies.. all have except transunion as of this date XXXX XXXX XXXX. i have sent them. transunion the attached letter from the cfpb response from them stating they would request removal of this account in which they sent me a letter stating they had recieved that info .... i have also faxed transunion a letter from XXXX XXXX XXXX stating that they have requested deletion of this account from my report// have called XXXX XXXX XXXX and they tolded me they have requested removal of that account NUMBER XXXX XXXX XXXX..and have asked transunion twice to delete.. in which they have not .. also account number XXXX ... .XXXX XXXX XXXX acct number XXXX was paided in full XXXX XXXX XXXX for XXXX it has been updated to paided in full .. but not deleted per request of XXXX XXXX XXXX for deletion per request of them to transunion. i have talked to them several times via phone also and they stated they have requested deletion by transunion..in which transunion has not done so..by looking that complaint you can see that they stated to that fact of deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian had a massive data breach due to its negligence that included all of my personal information. In the aftermath, I signed up for credit reporting and credit freezes. I did not think in doing so that I had agreed that Experian could start charging me for these services ( and none of the other credit reporting agencies have charged me even though they were n't the ones that were at fault ) but a {$24.00} charge from Experian appeared on my last credit card statement. I tried to call Experian several times to get this straightened out but keep getting recordings that say the wait will be " more than 45 minutes ''. I want them to stop charging me and refund what I 've already paid - I do n't even know what Experian is billing me for since I thought they had agreed to provide free services for people who had been affected by the breach. I think Experian is engaging in fraudulent conduct by charging people for credit monitoring services are only needed because Experian did n't do its job.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I submitted a dispute with XXXX  Credit Bureau for a collection account, Hunter Warfield ( XXXX XXXX  ) after not receiving a response to my debt validation letter sent to them directly. I requested proof of this debt validation and to have it removed if there was no physical proof as this negative item has ruined my credit reputation. This lease was completed and the balance is not accurate. I've asserted my rights as a consumer to the files and documents used to verify the accounts reporting on my credit report and was told that if I didn't have proof of this inaccuracy or my own documents then the item will have to stay on my report. 
On XX/XX/2019 the account above was " verified '' as being correct and that the agency/original creditor suggests I submit documentation or proof that it is inaccurate. 
XXXX  will not remove this account and the original creditor XXXX XXXX and collection agency Hunter Warfield has not provided me any physical proof or documentation as requested. This negative item was removed from my XXXX  and XXXX  credit report promptly because of the lack of proof but XXXX has refused.
Product: Credit reporting

On XXXX XXXX, 2016 I attempted to get my XXXX Free Credit Reports on XXXX. However, only XXXX opened and I was able to print. I received an error message for Trans Union and XXXX. I requested TransUnion & XXXX by email directly from XXXX, on their website, on the " Contact Us '' page. 
I explained on XXXX XXXX, 2016, I requested my free XXXX major credit reports through XXXX. Only the XXXX Credit Report was received and printed on XXXX XXXX, 2016. When I attempted to open and print Trans Union I received an error message, which was exactly the same result when attempting to open and print XXXX 
They replied by mail and stated I had already received my XXXX report, however I could purchase another copy for XXXX. I have n't heard from Trans Union. 
I also called the customer contact number, left a message stating the same problem. Never received an email in response as requested. I did state how ridiculous a XXXX copy request would be, if I already had my annual credit report. This is a lot of inconvenience and time consuming tasks, especially if XXXX grants another copy. 
My problem is paying for the reports. I have to borrow XXXX, due to my total disposable income is XXXX per month. 
It has taken weeks to get a reply, therefore stalling everything unnecessarily.
Product: Debt or credit management

Dear Sir/Madam, I am writing to formally dispute the following inaccurate information on my credit report. The items I am disputing are listed below : Student loan - XXXX Personal loan XXXX XXXX sold to orion capital I believe that my personal information was leaked, leading to these inaccuracies. During the XXXX pandemic, I received no assistance with these debts, which was misleading and unfair. This has caused undue hardship and negatively impacted my credit score.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe to be inaccurate or incomplete. I am requesting that these items be investigated and removed from my credit report.

Enclosed are copies of relevant documents supporting my claim, including [ list any documents you are including, such as identification, bills, etc. ]. Please conduct a thorough investigation and correct these inaccuracies as soon as possible.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit card or prepaid card

XX/XX/XXXX statement {$460.00} due XX/XX/XXXX. I paid {$460.00} XX/XX/XXXX. Paid the bill in full. A bill of around {$5000.00} that I paid off in 4 months. I had no idea that a {$8.00} bill was after the {$460.00} that was due XX/XX/XXXX that I paid off in total. Further, I never received a bill that {$8.00} and then {$16.00} late fee occurred. The only reason I knew that I owed BJs any additional money was because my credit report gave me a notification. Further, why would I pay {$460.00} and leave {$8.00} for the next month to be paid? Makes no sense. I would have included the $ XXXXwith the {$460.00}. Now this effect my credit score that I have worked hard to improve. I would like to report this and also have the fees taking off and my credit score fixed or taking off my credit report. Thanks.
Product: Money transfer, virtual currency, or money service

PayPal failed me as a consumer against an international scammer called, XXXX by repeatedly asking for confirmation of the FBI report I had already provided, only to follow up with additional requests for information, creating a cycle of unnecessary delays. Despite my compliance and submission of all required evidence, PayPal closed the dispute requiring me to pay {$85.00} to ship back internationally to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This lack of clear communication and procedural fairness undermines their Buyer Protection Policy and leaves me with unresolved financial losses due to their inaction.
Product: Student loan

I am an XXXX XXXX XXXX enrolled in the XXXX Student Loan Repayment Program. During my eight years of education I incurred a loan debt burden of about {$200000.00}, divided into dozens of smaller loans ( XXXX, XXXX, consolidation, etc. ) and spread among XXXX lenders, with interest rates ranging from 2-7 %. 

I have XXXX student loans that are currently owned by Navient. XXXX of these are at a 6.8 % rate, XXXX at 2.3 %. When the XXXX sends a lump sum payment each year, Navient distributes that payment evenly over all XXXX loans, even though some carry a high interest rate and some carry a low XXXX. When I request to have them apply this payment only to the higher interest loans, I am told that they can not because the XXXX will not allow them to. When I informed the representative that the XXXX has no such regulation, I was informed that this is " guidance from the XXXX. '' While this seems like a trivial complaint, it will cost me ( and the XXXX ) thousands of dollars over the life of my loans. 

Last year I filed this complaint with the XXXX. Navient acquiesced to my request to redistribute my payments after being contacted by the Ombudsman 's office, but they reversed the changes after an " internal audit '' a few months later, after the complaint had been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter for request to Experian Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} Inquiries XXXX XXXX  Date of Inquiry XX/XX/2021
Product: Debt collection

Pandemic declaration. SAFCOis attempting to collect on a debt and keeps reporting on my credit that this account is delinquent every thirty to ninety days PLEASE INVESTIGATE FURTHER!
Product: Credit reporting or other personal consumer reports

I'mXX/XX/XXXXso I paid a lump some payment and asked for my payments for the next 3 months to be paid so my next due date would be 3 months later and the remainder applied to the principle. The loan company put all of the amount towards my principal balance which threw me 3 months late and they refuse to fix it. So my vehicle was up for repossession for the last year and a 1/2 that I had the loan. Additionally, that caused my credit rating to suffer.
Product: Money transfer, virtual currency, or money service

Im writing regarding Zelles disputing policy lack of accountability of of investigation to resolve the matter.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u s c 1681 EB whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Time of payment 15 u s c 1666 B A creditor can not consider a payment on an open end consumer credit plan as late unless they have mailed or delivered the periodic statement to the consumer at least 21 days before the payment due date.

I am requesting 1. periodic statement 2. Information from 1637B 3.mail or deliver 4. No later then 21 days or less 5. requesting mail tracking number of mail back date from recieve, negative information law requirement 1681a ( p ) shall provide notice information
Product: Consumer Loan

In XXXX XXXX I got an auto loan from Susquehanna bank. After making several payments, Susquehanna sent an incentive to " skip a payment " for the holidays. I paid the {$30.00} fee ( interest payment ) and was everything was fine, my next payment was due the following month. I continued making my payments. Fast forward to XXXX, when BB & T buys Susquehanna. I begin receiving letters that I 'm behind on my car payment. Then my credit is hit 3 times in a 90 day period, saying I 'm delinquent 90 days. The local branch shows all my payments are current but corporate is showing different. Because of the buyout, I can no longer access prior bank statements, only corporate can. I was told by local branch it was a bank error and they would be in contact to fix everything. After a few days with no phone call, I called the collection dept that keeps sending letters. I was told because BB & T does n't do skip a payments, they do n't honor them, even though Susquehanna offered these. So I was told they will continue to hit my credit and send letters til it is brought " current ". How is this legal? This was an incentive offered by the bank BB & T bought. At this point, it 's looking like I 'm going to have to get a lawyer involved.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my extreme concern regarding Experian 's potential involvement in aggravated identity theft. I have never authorized Experian to purchase, house, or sell my personal information. Such actions, if proven, would be a direct violation of 18 U.S.C. 1028A.

Furthermore, Experian has failed to provide me with the necessary documentation to verify disputed information on my credit report. This failure to comply with my requests for verification is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681b.
Product: Checking or savings account

I deposited a check from my brother in law it was drawn on Chase, and my account is also with Chase. The check cleared his account same day. They put a 3 day hold on my funds, and then released them and the restricted my account and won't let me use my funds. When I call they say they have to call him to verify the funds, and they use a third party to do this, and they have no listing of him, and they don't have any information of how he can call to give his number. Chase has his direct phone number on his accunt, why would they need to use a third party. I am reading a lot of these issues and then chase closing the account.
Product: Debt collection

Upon checking my credit report I noticed a collection agency named First Fed Credit Control based out of Ohio reporting that I owe them {$340.00} for medical debt. I contacted this company and requested that they validate the debt by sending me a signed contract between myself and them showing that I owe this debt. After 30 days I filed a complaint with the XXXX XXXX XXXX advising of the above asking for a signed contract between first fed credit control and myself. They responded via the XXXX  website stating that they do not have a contract with me. So Im trying to figure out why they are attempting to collect money from me that I do not owe them and have been reporting this to my credit reports. I want them to cease all collection attempts and remove from my credit reports.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I was recently a victim of scaming and my bank ( truist ) would not refund me the money. This happened on Wednesday XX/XX/XXXX. I applied for a bank fraud dispute to refund the money to my account but was rejected despite losing my money to scammed.