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

am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent and inaccurate accounts reported on my credit file by the credit reporting agencies XXXX, Experian, and XXXX. These accounts were opened without my knowledge or consent, and I believe they are fraudulent. Despite my attempts to resolve these discrepancies, my disputes have not been investigated or resolved within the required 30 days under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), and I have not received proper notification of these debts as required by 15 U.S.C. 1692g. There are multiple violations of FCRA 607 ( b ) regarding inaccuracies in reporting, including discrepancies in account balances, open dates, payment statuses, and high credit amounts across bureaus. The fraudulent accounts include 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 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 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 XXXX XXXX, all of which contain discrepancies in balances, open dates, or have not been validated. Additionally, unauthorized credit inquiries from XXXX, XXXX, and others must be removed. Fraudulent names such as XXXX XXXX XXXX and incorrect addresses, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, need to be removed. These actions violate federal laws under the FCRA, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ), and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), as well as Florida state identity theft laws. I demand immediate removal and blockage of these fraudulent accounts and inquiries from my credit report across Experian, XXXX, and XXXX, written confirmation of their removal, and an updated copy of my credit report. Additionally, I require the implementation of fraud alerts and identity theft resources as mandated by federal and state law, a thorough investigation into how these accounts were recorded without my consent, and the provision of the investigation findings in writing. 
thanks
Product: Mortgage

Dear CFPB, Recently, my mortgage company increased my monthly payment by over XXXX dollars claiming a shortage in escrow funds based on their error in making double payments of my home insurance coverage and an increase in property tax 's. 
A ) On the home insurance claim, They have not been able to produce financial transaction data in order to show the " double payment '', and neither XXXX XXXX nor XXXX XXXX shows any double payment from them in their records. 
B ) My Annual property tax 's have not increased in 2 years and I shared these documents with them to verify. 
Included in the mortgage monthly increase is what they call a safe " pad '' which they have established in order to over-fund the escrow account, which apparently can be any number they wish. 
This is poor management of an escrow account at best, they have provided no evidence or justifications for this increase, and have " reminded '' me that if I do n't pay the new total my credit will be impacted and late fee 's will be added, which is basically extortion. 
Is this even legal? 
Are they trying to make me default on my obligations for some reason?
Product: Credit card

Barclaycard has for the XXXX time offered by husband an increase in his credit line, while not offering one to me. We opened the accounts around the same time, carry similar balances, pay roughly the same monthly amounts, on the same day from the same bank account. We live at the same address, have mostly joint accounts, and have credit scores within about XXXX points of each other. Oh yes, and my husband earns $ XXXX per year, while I earn $ XXXX. The only marked difference between our accounts is that his is held my a man and mine a woman. I forgave the first instance of this in 2012 because they called it an oversight and promptly increased my limit above his. When I contacted them this time ( 1-called customer service, 2-sent email, 3-spoke to manager ) I was told I was " denied '' my request for an increase and lectured on my poor payment history. When I explained everything I stated above I was told that they do not take gender into account and it must be something else I have done. I am very disappointed and believe this company 's credit line policies should be reviewed at a national level to look for signs of gender bias.
Product: Credit card or prepaid card

I received and offer for a 0 % credit card, and applied for it on or about XX/XX/XXXX. In that process I tried to transfer about {$10000.00} from another card, but only got approved for {$2500.00}. After receiving the card I setup autopay on or about XX/XX/XXXX through the Bank of America website. The first few months went through like clock work with no issue. Then Bank of America changed the due date to an earlier day. They did not change the autopay to accompany this change and/or notify me of this change. So for 6 months the bill was paid with autopay 2 days late. This led to a slew of late fees, and then finally a phone call. They had sent emails each month with alerts to payments due along with thank you for your payment every month, but nothing that had an alert about a late fee. On the phone they were only able to remove 2 of the late charges and could not explain why the date had changed. They also closed the account because of this, and of course raised the interest rate to the maximum. They would not work with me, and now won't even allow access to the account so that I can pay off the card. They continue to take to autopay though. I feel this was a bait and switch situation. I would expect that when you setup autopay that it will, you know, autopay it. Now this has affected my credit rating and is affecting my ability to get a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both of these accounts are fraudulent accounts which I don't recognize I try to fix this and nothing is getting done so please remove these account before I take legal matters. 
Account # XXXX Account # XXXX
Product: Mortgage

My mortgage Co. Is S.P.S. ( Select Portfolio Services ). They were hired by XXXX about 8 months ago, when XXXX was our mortgage holder. But S.P.S. Became our mortgage holder in the middle of a modification negotiation. XXXX, they upped my payments from 600 to over 900 a month. Then after the trial payments of XXXX a month for 4 months, the payments were supposed to go down. But they did not. I signed a three year forgiveness contract. After S.P.S. upped our payments XXXX in less than4 months. I had an attorney read my paperwork, they advised me that my paperwork was very miss leading. I would have to pay back 63,000 dollars at the end of my loan. This is not what we agreed on. I have been dragged from XXXX bad mortgage Co. to another, to another, and yet to another. I am in need of some help with this matter. And they keep saying they will mail me papers to see if I qualify for a reduced payment. But they still havent mailed me any paper work, even after XXXX times of them saying they have. Striat faced liars.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported I owe them money in the amount of $ XXXX.I do not know this company. I have never done any business with XXXX XXXX XXXX. This company does not have a contract with my signature. I would like to be provided documents showing my signature stating we have a business agreement to these terms in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 604 Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX **PLEASE REMOVE THE INCORRECT ADDRESS OFF MY XXXX XXXX XXXX XXXX EXPERIAN XXXX Please remove this illegal address of my credit report as I have never lived here. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XXXX XXXX. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status XXXX XXXX : a ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXXXXXX XXXX Acct No. XXXX TRANSUNION : a ) XXXX XXXX Acct No. XXXX Sometimes between XXXX XXXX to XXXX XXXX, XXXX XXXX claimed I had an outstanding debt of {$2500.00} and misrepresented to the major three credit bureau ; in which I disputed. I was not aware nor did XXXX XXXX advised of the outstanding debt! The 60 months term commenced in XXXX XXXX and terms ended in XXXX XXXX. The conducts by the three Credit Bureau and XXXX XXXX XXXX is a clear violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi -- I have been contacting Equifax for 8 months since XX/XX/2020 on some fraud items. I have filed tons of disputes to get rid of some inaccurate information. After several months of calling every day of the week sometime 3 times a day, they managed to resolve half of my issues. Months later, I tried to reach them again because my dispute was still open for other inaccuracy and they would say 10-15 days. I would call again weeks later and they would denigj that I have filed a dispute and so many time would say our system is down and can not look up your ticket number. After a few other months, the same fraudulent account came into my report again in XX/XX/2020. Since then I have filed another 2 disputes, and an investigation as to why this could happen when I have been a victim of fraud before and have that alert on my account. This fraudulent account was able to report 3 times on my equifax again and again. I HAVE PAID OFF ALL MY DEBT IN 8 MONTHS. I Have been trying to buy a house for my family since and the only thing stopping me is equifax and their neglectful customer service. By now my score should be so high, however it is sinking from these inaccurate accounts. They are playing with my life. It has been 8 months since I put my hard earned money to changing my life, and nothing has been done. Why is my score not climbing I even got a credit card and have been paying on time since XXXX so it can help my score. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : I demand that you delete the charge offs on my report from XXXX XXXX XXXX XXXX XXXX I also demand that all my late payments form XXXX XXXX and self get updated to paid on time. 

Thank you for your cooperations Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


MARINER FINANCE , LLC Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$140.00} Date Opened : XX/XX/2017 Balance : {$3100.00} Terms : High Balance : {$2400.00} Limit : Past Due : {$3100.00} Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF ACCOUNT
Product: Credit reporting or other personal consumer reports

Several other people 's information was all combined on to my credit report for years and has ruined my life! I have been able to get loans and apartments so that I can get my life together and on track because of this egregious error that was not flagged and fixed before all the damage was done to my life!! There we're about a dozen different names, there where and still are about a XXXX addresses that are not mine, but now that has been addressed they just switched all the addresses to match mine so now there's about XXXX addresses that are all just the same address on my report instead of removing all of the wrong addresses they just changed the names of the addresses to fit the correct address! There is several loans in hard inquiries that should not have been on my report! That were all on there for years my life has been in shambles because I haven't been able to get anything done because of this
Product: Credit card

We paid off our monthly balance on our Southwest miles card from Chase and were still charged interest on the next month 's bill. I was informed this is because of a residual interest. Where if you carry a balance one month, you have to pay off at least two months in a row to not have interest. The part that bother 's me is that the statement says How to Avoid Interest " If you pay your account in full each billing period by the date and time due, no interest is charged on new purchases month to month. '' I found this very misleading. The Chase person said, yes, of course, it says " each '' which means " all '' or at a minimum two months in a row. This seemed crazy to me. So I think Chase should be required to say. How to avoid interest? Never carry a balance. If you do carry a balance for even one month, it will take you at least two months of fully paying off your bill before Chase will stop charging you interest.
Product: Debt collection

This collections agency has texted me, called me several times throughout the day & I havent received anything via mail from them. This is a debt validation letter I am sending & demand that this company stop contacting me until this debt is validated & verified property. 
My full name is : XXXX XXXX XXXX Current address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Last four of my SSN : XXXX Date : XX/XX/year> Dear Collector : Im requesting that you validate the debt below. 
This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor. 
( 2 ). Proof that you have the right to collect this debt in my state. 
( 3 ). Proof that your company carries a bond. 
( 4 ). Proof of how your company assessed the outstanding debt. 
( 5 ). Payment history from the original creditor. 
( 6 ). Name and address from the original creditor. 
( 7 ). Copy of the original contract bearing my signature. 
( 8 ). Chain of title on this debt. 
( 9 ). Proof that you can collect this debt from me. 
( 10 ). Do you own it or is this debt assigned? 
( 11 ). Copies of all letters sent to me from you and from the original creditor. 
( 12 ). How much did you buy the debt for? 
( 13 ). When was the last date a payment was made on this debt? 
( 14 ). What fees/interest was tacked onto the debt? 
( 15 ). How were the fees determined? 
While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. 
Thank you for your time and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$600.00} / XX/XX/2022 XXXX XXXXXXXX XXXX / {$11000.00} / XX/XX/202XXXX XXXX XXXX {$4200.00} / XX/XX/202XXXX XXXX  / {$4400.00} / XX/XX/2022
Product: Mortgage

Again, PHH Mortgage Services ( XXXX ) refuses to provide me the itemization I have requested! Once again, I am requesting an itemized accounting totaling {$40000.00} ; which is the amount PHH Mortgage Services ( Ocwen ) charged me when I refinanced my mortgage in XXXX after 29 years of mortgage payments. I purchased my home in XXXX for {$46000.00} ( 30 year mortgage ) and PHH Mortgage Services only credited my mortgage {$6000.00} after 29 years of payments! Please send an itemized accounting of the one-time payment totaling {$40000.00} that I paid in XXXX. DO NOT SEND ANOTHER PAYMENT RECONCILIATION HISTORY! Send me the specific itemization I am asking for. Thank you.
Product: Debt collection

Dear CFPB, I'm writing to dispute Credit Collection Services unlawful collection practices and request an investigation into their violations of federal law. 

Violations : 1. 12 CFR 1006.34 ( b ) ( 5 ) : No validation information provided.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : No opportunity to dispute account.

3. 15 USC 1681s-2 ( 7 ) ( A ) : Furnished information without required disclosures.

4. 12 CFR 1006.34 ( d ) : False, misleading and deceptive practices.

Revocation of Communication Rights : Pursuant to 15 USC 1692c ( c ), I revoke Credit Collection Services rights to communicate with me through : Phone calls Text messages Mail Email
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I was contacted via my personal cell phone by XXXX XXXX from Amerisave Mortgage Corporation, XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia. 

During this recorded phone call, XXXX stated I was being contacted because of a recent credit inquiry on my credit report from a mortgage company. XXXX requested permission to take a loan application to make an offer. 

I declined this request, and informed him that my FICO score mid was a XXXX & if he could quote me Amerisave 's best rate on a {$150000.00} loan for an investment property based on this information I would listen but I was not consenting to a hard credit inquiry OR a soft credit pull. XXXX stated that " it will not hurt you '' and I again requested not to have any type of inquiry done at this time as I was already concerned how he acquired my information. I did not provide a social security number, income, address of property, or debts. 

After telling me the rate, I responded " that seems off '' the representative hung up the phone without another word. 

On XX/XX/2019, I received a NOTICE TO HOME LOAN APPLICATION in the mail notification from Amerisave Mortgage Corporation that " in connection with your application for a home loan ''. 

I attempted to contact XXXX manager and received no return phone call. Each representative at Amerisave has continued to tell me that it " wont hurt me '' or " has no affect ''. I refused any form of pull whatsoever.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX credit bureaus consumer report and I noticed some late payments posted on my consumer report : XXXX XXXXXXXX XXXX Owed : {$120.00}, XXXX  XXXX Balance Owed : {$110.00}, XXXX XXXX XXXX Balance Owed : {$950.00}, XXXX XXXXXXXX Balance Owed : {$2.00}, and XXXX  XXXX Balance Owed : {$0.00} or XXXX XXXX Balance Owed : {$0.00}. 

Your company is in clear violation of the law. Under 15 USC S1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

Did I give you written instructions to furnish this accounts on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC S1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Failure to respond satisfactorily with fixed of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15USC S1681 violations for willful noncompliance S616. Civil liability for willful noncompliance { 15 U.S.C. S1681n }