23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A financial institution should not be allowed to make false statements to the CFPB, as XXXX has, specifically by XXXX XXXX, Senior Vice President/Chief Credit Officer, in XX/XX/year>. I filed several CFPB complaints around XX/XX/year> against XXXX for their refusal to review my account for a lower interest rate. In response to CFPB complaint # XXXX, XXXX XXXX stated XXXX " we [ XXXX ] do not change the tier and corresponding APR on existing credit card accounts. This policy has not changed and it is nonnegotiable. '' In a separate complaint I made earlier that year he stated, " The assigned credit tier does not change for the life of the account. '' The only way rates changed, I was told, was if the Prime Rate changed. Since this was the company policy, I accepted it and moved on as a happy customer in the years since, always paying my bill on time and never exceeding my credit limit. However, today I received three letters from XXXX, one for each of my respective credit cards, informing me that pursuant to their terms, they were in fact changing my interest rate. Specifically, they were increasing the purchase and cash advance interest rates on all my cards to 17.99 %, a whopping increase of more than 5 % in the instance of my gold card. I was shocked! A company that repeatedly told a government agency, the CFPB, that they do not change the interest rate on their cards, hiking interest so blatantly. Put aside the complete lack of respect XXXX is showing for longtime customers by raising rates on existing cards as opposed to just new ones, they should have to abide by the policies they set out in response to the CFPB. The CFPB is not the BBB or some non-government agency. Responses to the CFPB should mean something and companies should honor what they say.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and
its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX. XXXX XXXX : # XXXX, XXXX XXXXXXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX : # XXXX, has violated my rights. 
1

5 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 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: Debt collection

I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. It has come to my attention that certain fraudulent accounts are still present on my credit report, despite the fact that other credit bureaus have successfully removed these accounts following proper verification of the fraud. 
Below are the details of the fraudulent accounts in question : XXXX XXXX  XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
I have already reported these fraudulent accounts to the respective creditors and have provided all necessary documentation to verify the fraudulent nature of these accounts. Other credit bureaus have acknowledged the fraudulent activity and promptly removed these accounts from my credit report.
Product: Debt collection

I bill was created by XXXX XXXXXXXX in XXXX. The hospital claims to have tried to contact via mail. However, I never received information on this. In XX/XX/XXXX I was contacted by a debt collector. I immediately called my insurance company and they said I was billed for a private room which I never requested. The insurance company contacted the hospital which was to remove the excessive cost and contact their debt collector to correct the information. On XXXX XXXX. Phoenix financial placed a collection on my account with the inaccurate information. Myself along with the hospital has contacted the company to make them aware of the error. XXXX XXXX went as far as to ask Phoenix financial to remove the negative mark on my report to give me time to pay the bill with the corrected amount. Myself and the hospital called the company on three way and they continue to stated they have not received anything even with the hospital representative on the phone. At this point I dont know what to do. I tried addressing this wrong information in XXXX before it was placed on my report. They hospital has tried correcting the mistakes however the company refused to receive the erroneous information. Please note this was an issue that was being discussed and attempted to be fixed in XXXX before it was placed on my report in XXXX of XXXX. The hospital admits to their mistakes of not getting the information updated before it was placed on my report and has sent many emails to have the company remove the information but continue to refuse.
Product: Checking or savings account

I have online banking and for the last 3 months I have been having problems signing into the account. For the last three months I have to call the bank and going through them asking me the same question all over again why this is happening I don't know. My feeling is they want me to close my account and I am not going to do that.I have been in their system for over 5years Or more so why should I do that. The bank is Roslyn Saving Bank division of New York Community Bank XXXX NY. I need help with this situation
Product: Debt collection

XXXX XXXX is not mine but they are on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to be provided proof I consented to these inquirys via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I did not consent to these inquiries and they need to be removed immediately.

By the provisions of the Fair Credit Reporting Act Section 611 and Section 611 ( a ) of the FCRA, I demand that these items be investigated and removed from my report. It is my understanding that you will check these items with the person who has posted them. Please remove any information that the you can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
I sent a previous letter to you disputing accounts as erroneous and mailed them certified mail, return receipt requested. I received notice in the mail that you received the dispute letter. It is now a different month and I have not received any proof from you that you conducted a proper investigation or any investigation at all. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30-day time period. 
You must delete all of the disputed accounts from my report. It has been more than 30 days. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 


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

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the INACCURATE account information from my consumer file. Despite my three written requests, the INACCURATE item still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified Who in your company verified the accuracy of these accounts or how they verified them?

As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defined Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 
What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute is being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all the INACCURATE reporting immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Product: Checking or savings account

I have a Wellsfargo bank account which I was using while I was living in the United States.

I had been using this account the entire time while I was living there and I did not close the bank account while I was leaving United States thinking it would be useful when I return. 
Then, I happened to come living in XXXX and it has been a year living in XXXX. 
And here comes the conflict with me and Wellsfargo.

I wanted to have access to my bank account to take off my money using online banking, but they did not let me do the action of transfer.

In addition, they also blocked access for me to enter my bank account.

I have been trying to resolve this situation and tried every way possible so far and they have been denying it every time. 
I used Wellsfargo Online help service, called branch bankers for a solution, filed complaints to review the denial they gave me, filed a Power of Attorney to have someone I know to represent me, and did verification with notaries while in the presence of witnesses which was apostiled. For the process of notarization, I contracted a local notary, and at the U.S. embassy.

This process has started at the end of last year and it is already at the beginning of XXXX. 
So far, they have been denying my access until now.
Product: Debt collection

In XXXX I reported this online credit card account to XXXX XXXX as not being my debt. Subsequently in XXXX I filed with all XXXX  credit reporting agencies that it was not my debt. After their investigation it was determined that it was not. At this point I had not received any correspondence from XXXX XXXX regarding the debt. In XXXX of XXXX I contacted XXXX as I was getting other credit card bills and/or debt collection letters. XXXX informed me that they had failed to put a freeze on my credit reporting account informing me of all the attempts and accounts in my name. All of these accounts were identity theft. The XXXX XXXX debt was included in this. In XXXX of XXXX I received a demand for payment from Portfolio Recovery XXXX XXXX for a XXXX  XXXX credit card. I immediately contacted them explained the situation and requested forms from them to file this as identity theft. I then contacted XXXX XXXX and requested the same thing. XXXX weeks later XXXX XXXX credit card services sends a letter stating their investigation shows it was my debt. They went so far as to say they had my banking account number in which that was prove the debt was mine. There is no way they have my banking information. They then said they sold the debt to Portfolio Recovery Associates LLC. XXXX again I contacted Portfolio went over the situation again and requested the identity theft forms. Once again I told them it was not my debt. I was sent copies of the purchases made nothing else. Additionally, Portfolio Recovery XXXX XXXX has made phone calls to me at XXXX XXXX.and XXXX XXXX., have used a relatives email to contact me, and sent repeated demand letters to me when I have repeatedly told them it was not my debt and to stop their harrassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX The logo in the upper left corner of that webpage is EXPERIAN. 

That website reported a very brief online " credit report '' that was virtually nothing. The credit report had nothing on it. Being nothing except emptiness, they want to call it a " credit report ''. 

What was on it was weird variations of my name. My name is a first name and a last name. My own legal name was not the name on my credit report. I don't have other names that I use, whether social or legal or in another language. They had wrong last names and wrong first names, on my credit report. 

Experian has other people 's names on my credit report. Experian uses made-up variations of my name, on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$750.00} ; XXXX  XXXX XXXX Balance : {$160.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$900.00}.
Product: Credit reporting or other personal consumer reports

I was the victim of a telephone/internet phishing scam where I was defrauded for my personal information by a scam involving being contacted by someone posing as a representative of my bank, XXXX XXXX . My driver 's license, social security number and card, and debit card information were stolen by the criminal. After receiving calls, texts and letters from collection agencies in XXXX, I checked my credit report to find numerous fraudulent accounts that I did not authorize or create. This has created extreme stress on both myself and family, and has disallowed me access to financial services for vital things needed in our life currently. I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX XXXX XXXX. I may presume that no proof of alleged debt, nor therefore any such debt actually exists. 

I have attached the FTC Identity Theft Report that was filed and I have attached my XXXX Credit Report showing that they have removed all the fraudulent accounts. I need XXXX, Equifax, and XXXX to remove the accounts today. 

Fraudulent accounts/collections to be removed immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

-On XX/XX/2020, I found a listing for concert tickets on XXXX and reached out to the seller at XXXX to inquire about XXXX tickets that cost {$60.00} each. The seller had asked receive payment through XXXX. Trusting that my bank ( Chase ) is behind me if anything goes wrong using their money transferring service XXXX, I went ahead and transferred {$240.00} to the seller/scammer with the email destination of XXXX. The scammer promised to transfer the tickets to my XXXX account, but tickets never arrived. I then tried sending multiple follow up texts and tried calling but then I was blocked by them and sounded like deleted their phone numbers. I then reached out to Chase hoping I can report and dispute the charge and hoping I can get the money back. Chase informed me that there is nothing they can do other than letting the recipients bank know about this and up to them to take any action. Being a customer for a big bank like Chase, we as a consumer should get more protection than that ... We need action from Chase to protect their customer/ innocent people from fraudulent activities like this.
Product: Credit reporting or other personal consumer reports

It appears that 1st Digital/Synovus/XXXX was charged off and sold to a collection agency in the amount of {$430.00} however I do not know who this company is. Nor have I received a

1099 for this debt. I would like for this account to be removed from my credit file as it negatively effects mu score. the account was never paid according to the payment history. It was opened in may of 2023 reported 30days late in XXXX  and charged off in XXXX  w
hich was only 60 days from the date of opening which is a huge red flag seeing as I never had an account with this company and how is an account reported in only 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure the dates I thought I froze all accounts but now my log in information is changed I have had trouble sighing into XXXX as well my ex husband has my social security card and old licences I can't log in to any of my information to fix or monitor it it's a nightmare and I don't know what to do my name is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ss # - XXXX XXXX XXXX birthday XX/XX/1987 I didn't realize this was happening until I didn't get my taxes and someone already applied for financhial aid and had a profile like an account when I never made one.
Product: Credit reporting or other personal consumer reports

Experian charged the Premium service fee to my credit card without my authorization. I do not have a Premium Experian account. When I called Experian they claimed they had never charged me but the charge very clearly appeared on my credit card statement. Today the same thing happened to my husband.
Product: Student loan

I stamped accepted for value and endorsed my loan on commercial paper for securitization. It was received XX/XX/2023. By law if my instruments are not accepted, they are hereby discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a Account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit account under an open end plan as late for and purpose.
Product: Mortgage

My previous Mortgage Servicer sold my loan to Carrington Mortgage Servicing in XXXX 2013.Prior to the transfer, an Escrow Analysis Report was completed and my payment lowered as a result.A few months after the loan transfer was complete i received a new Escrow Analysis that was completely different from what i had been given by my previous servicer.Carrington Mortgage Services or CMS stated i had an Escrow shortage, and as a result my payments would go up.I immediately knew something was not right, but after reading and hearing how poorly this company was rated in customer complaints/reviews, i decided to send in the entire shortage amount to keep my payment from going up.I called CMS service number and was u nable to reach anyone after XXXX.After XXXX days, i spoke to XXXX of their reps to get instruction on sending the amount in.After speaking with the person, i wrote a check and mailed it to their stated address with all information requested.On my next statement i noticed it had been received, but instead of applying my money to the so-called " shortage '', they put it as being in a suspense account.I called them only to get a very XXXX girl on the phone who blatantly lied to me, telling me she had requested it to be moved into the Escrow account to correct the shortage it was sent for..Needless to say, this did not happen.After calling them XXXX different times and being told the same false information, I am furious at this company for refusing to process my Escrow payment.They had the nerve to send another Escrow Report this month telling me there was now a XXXX shortage, on top of keeping the previous amount i sent in.This Mortgage Servicer is crooked, dishonest and determined to force people into account issues, even if they have current status.Their Customer Service is poorly trained, expected to lie and ranks at the bottom of the list with consumers.Some have had terrible experience with this company, and i fear enough that i am searching for a way out from under this company.Their practice of frauduently increasing mortgage payments through bogus Escrow analysis claims must be stopped.I want my previous servicer back.