23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Concern regarding location to send payments for XXXX Cashback XXXX Signature Credit Card. <P/>- X/XX/2017 : XXXX Cashback XXXX Signature credit card statement made available. Indicates my payment ( {$74.00} ) is due on XXXX XXXX 2017. The statement provides two addresses for XXXX : CREDIT CARD SERVICING, XXXX XXXX XXXX, XXXX, GA XXXX and CREDIT CARD SERVICING, XXXX XXXX XXXX, XXXX, ME XXXX. The statement does not indicate to which address the payment should be made. The statement references the GA address a number of times for billing inquiries and concerns. <P/>- X/XX/2017 : Scheduled payment ( paper check mailed ) from my checking account to pay the Ally Cashback XXXX Signature statement ( the total balance, {$74.00} ). My checking account mails the check in advance so that it arrives to the designated office on the scheduled date ( X/XX/17 ). <P/>- X/XX/2017 : {$25.00} late payment fee charged to my XXXX Cashback account. <P/>- X/XX/2017 : {$0.00} interest charge fee and {$1.00} interest charge-purchases charged to my XXXX Cashback account. <P/>- X/XX/2017 : Payment ( {$130.00} ) received by XXXX Cashback and credited to the account. <P/>- X/XX/2017 : Contacted bank with checking account and found out that my payment was being sent to the wrong XXXX Cashback address. I was having payment sent to the GA address, and it should be sent to the ME address ( this was found out over the phone between my bank account representative, me and the XXXX Cashback representative ). I sent a message to XXXX Cashback to explain the error, and that it is unclear on their billing statements which office the payments should be sent to. They marked my message as 'completed ' and added the memo 'We have waived the fee as a one-time courtesy because of your good customer standing. ' - The following account changes were made after X/XX/2017 but dated for their original charge date on my account : -- X/XX/2017 : late payment fee credit of {$25.00} -- X/XX/2017 : purchase interest credit of {$0.00} - X/XX/2017 : messaged XXXX Cashback because still did not receive the {$1.00} credit for the interest charge-purchases. Also mentioned that I would be happy to bring this to the attention of CFPB. Message was marked 'completed ', however no action was taken with my account and no credit was issued. <P/>- X/XX/2017 : sent a follow-up message to XXXX Cashback because never received the {$1.00} credit for the interest charge-purchases. Message was marked 'completed '. <P/>- X/XX/2017 : {$1.00} interest charge-purchases was credited to my XXXX Cashback account. <P/>The " one-time courtesy '' to credit the fees and interest was appreciated, but, as of my X/XX/17 statement, XXXX Cashback has not made any updates to their billing statements as to where the payments should be made. I imagine this ambiguity has negatively affected other XXXX Cashback customers. Also, the follow-up necessary to get all of the refund credits for the original error is unacceptable. <P/>Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report I do not recognize, I did not authorize. hard inquiries such as XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX are all unauthorized hard inquiries. 
Fraud alert has been placed on my report twice. One time in XXXX and XXXX. All hard inquiries should be taken off my credit report. Ive sent letters and letters of the law have been sent to all three bureaus. Please remove inquiries from Equifax.
Product: Credit card

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 
The fraudulent, inaccurate, and false information consists of : A Capital One credit card account with a charge-off status and a credit limit of {$1200.00}, opened on XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my credit report. I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. Attached are a list of the fraudulent items and a copy of my credit report showing these items. I also provide a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX original name. 
I called XX/XX/XXXX is when I learned the name changed or company was bought out. They have incorrect balances reporting across all three credit bureaus. XXXX payment XX/XX/XXXX late 120 days Experian XX/XX/XXXX late 150 days XXXX XXXXXX/XX/XXXX late 120 days. Date opened XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX I have not closed my account I want to keep my card but need inaccurate information updated to reflect and stop harming my credit. The address is inaccurate my address should be XXXX XXXX XXXX XXXX XXXX XXXX  I have reported identity theft in the past and have filed police report that why it is imperative they have my name and address correct and account history accurate. 

My statement due date is the XXXX of each month. I have been paying before statement due date and they still are reporting inaccurate information XXXX, 120 days past due. This account is impacting my credit report. I am homeless and continuing to be denied approval for apartments because of this information reported on my credit. I contacted XXXX XXXX because I have an open account that I am paying on the account is active. I requested they remove the late payments and past due balances because this is inaccurate. I called them in XXXX several months to resolve the issue and was told they would remove the late fees and inaccurate information before they switched over to XXXX XXXX they changed names. I spoke to a rep on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX to discuss account and nothing has been done. I made payments XXXX that I can find as of today from bank statements. Payment on XX/XX/XXXX {$50.00} late fee charged XX/XX/XXXX. XXXX payments XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} due date was XX/XX/XXXX. XXXX XX/XX/XXXX {$30.00} XX/XX/XXXX. {$30.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$45.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$100.00} This was verified on my statements from them as well. I just need the late payments removed as promised before they switched company names. I am not closing my account with them just requesting the late payments be removed since the account is open and is being paid on.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Time has already passed but up until now, I havent heard any kind of response from the XXXX and XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the account which is erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : ENHANCED RECOVERY CO L - XXXX
Product: Credit card

Hi CFPB, My complaint is related to deceptive and predatory practices that I have experienced being employed by two different store-credit card agencies as it relates to promotional interest-free periods. One was on a card through XXXX XXXX XXXX ( furnished by XXXX ) and the other through a west-coast jeweler ( Shane Co XXXX card furnished by TD XXXX ). 

These stores will offer promotional interest free purchases as long as the balance is paid off by a certain date. All that is good, but both employ practices where in the final months of the interest free period, they will apply payments in the excess of the minimum payment to the deferred interest that is NOT OWED to the creditor until the promotional period lapses with a balance owed to the creditor. 

Using some basic numbers to illustrate what they are doing, a consumer makes a purchase of {$2400.00} with a 12 month deferred interest period and makes payments of {$200.00} a month for 12 months. The minimum payment is {$25.00} per month, interest accrues and is deferred over that period. by the time the consumer gets to month 11, they have made {$2000.00} in principal payments, with {$400.00} left to pay off. However, these two creditors ( and I am sure others ) take month 11 and month 12 payments of {$200.00} each and apply {$25.00} ( the minimum payment ) to principal balance, and the remaining {$170.00} is applied to deferred interest. 

This is predatory since a reasonable consumer will figure that they need to pay off this balance in 12 months with 12 equal monthly payments of {$200.00}. Instead, they pay {$350.00} in to deferred interest in the final two months and then the promotional interest period becomes null and void because they did not pay off their balance within 12 months. This is in spite of making on-time payments towards their principal balance and being under NO obligation to pay the creditor a XXXX of interest under the clear and obvious interpretation of the creditors marketing. 

In the attached email TD XXXX admits to the practice and I can appreciate the reminder, since I went through this with XXXX XXXX However, not everyone pays as close attention to their email, and this is still fundamentally stealing interest payments from customers who do not owe the interest.
Product: Checking or savings account

To Whom It May Concern, I had a checking account with Wells Fargo in XXXX, Texas for about 10 years. I was trying to make some changes in XXXX due to my mom passing. I took my mom off of being the beneficiary and added my XXXX brothers. My nephew/son was added when I opened the account. I did not know he had had a credit card with Well Fargo. I went to take out XXXX dollars on XX/XX/XXXX XXXX. I notice that over XXXX had been taken out. I told the cashier and she could not explain and I called the number on the paper she gave me. I was so scared that I thought I had been scrammed so I did not want to give any information over the phone. I was able to talk to the branch manager who was very customer friendly, helpful, and professional. He called I guess the main office and found out that my nephew/son had owed them. My son said made arrangements to make payments which he was trying to do on the card. I was not notified at any time and he said he wasn't notified either even though he was trying to make payments. I was going to take him off in XXXX but I was told I could not without his approval. It does not seem right to me to for the Well Fargo to do this without any kind of notification to me. 
When I opened the account, nothing was mentioned that this could be done. I would have been willing to help make payments if I had been notified but, I was not told what was happening. In hard times like these, it is devasting and to me it seems that Well Fargo don't care. Thank you so very much for allowing me to submit this complaint/concerned. 
If this is a rule, maybe it could be amended to notify all involved before doing such drastic and devastating things like this. 

Sincerely yours,
Product: Mortgage

Carrington Mortgage Services , LLC, XXXX XXXX XXXX, XXXX CA XXXX ( XXXX ) XXXX is unfairly inflating the Escrow reserves amount in order to increase our Monthly Mortgage Payment by 21.77 %. The escrow analysis was incorrectly prepared to reflect XXXX Winter Property Taxes being paid in XX/XX/XXXX, and XXXX Summer Property Taxes being paid in XX/XX/XXXX. The escrow reserves amount is excessive. Customers of Carrington Mortgage Services , LLC should be warned about the unfair servicing practices of this Mortgage Servicer.
Product: Credit reporting or other personal consumer reports

Unathorized inquieires in my credit report by person or financial institutions. Somebody is using my information for a car note. Investigate rught away please and erase this information from my credit report : 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple requests for this debt collector to stop calling an harassing me a via text via email via phone. They continue to harass me an I am filing a complaint with the Consumer protection agency am going to collect the fine of a minimum of {$1000.00} per violation under CONSUMER LAW 15 USC 1692 ( D ) I will be also filling a complaint with the FTC a put every violation. You need to remove all false information from my credit reports as well
Product: Debt collection

XXXX XXXX XXXX contacted. Benjamin Chaise Recovery Services and falsely accused me of owing {$6900.00} for my fathers funeral services that occurred on XXXX. 

I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX, an hour before going to proof my dads body, and the day before his service. I was told payment was needed because they had not heard from the insurance company and his policy was not good. And If I did not pay the service would not move forward. So I went to my bank account and got a cashiers check for the full amount owed {$5800.00} with a XXXX balance. 

When we got to the funeral home it was obvious that XXXX Director was angry because she did not think I had this money in my account, and was trying to get more interest money. Also, she was trying to make me buy a coffin when my dad was cremated. Later that night I get a voice call from her assistant that she tore the cashier check. I told her assistant not my problem tape it up. 

Now she is stating I never paid her and the amount owed to her is {$6900.00}, false she was paid in full by me on XXXX!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file which is showing as I am responsible for but I am not, this account was transferred to another office. 
This item Midland Credit Management {$470.00}, XXXX XXXX  {$790.00} and XXXX XXXX XXXX {$680.00}. claims I am Liable for this account but this is inaccurate because I dont Owe this account, per the FCRA law if the consumer has not been sent original verification of the debt per his/her request it should be removed IMMEDIATELY. 
Please reinvestigate this matter and Delete the disputed item as soon as possible. 
With that being said I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX. XXXX  XXXX. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX.XXXX., XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, XXXX, vs. XXXX XXXX, No. XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 
Closed accounts that need to be revised : XXXX XXXX {$2400.00} opened XX/XX/XXXX, XXXX {$0.00} opened XX/XX/XXXX, XXXX  XXXX/XXXX  opened XX/XX/XXXX While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 
Also, the ONLY ADDRESS that needs to be reflected is the XXXX on the ID attached Also I have inquiries that need to be removed. XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX services, People facts XXXX I look forward to a speedy resolution of this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I am XXXX years old and can no longer live alone because I have XXXX  XXXX and, at times, have difficulty walking and it was necessary for me to sell my home. Because I owe much more than the home was worth, Ocwen Loan Servicing, LLC was contacted about a short sale. My real estate agent put the house on the market in early XXXX of this year for {$230000.00} and a buyer was found the first day. She contacted Ocwen about the offer and they mailed me an application for financial assistance which I completed and mailed back. After mailing them bank statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they responded to my request on XX/XX/2018, in writing, stating that I made too much money and did not qualify for financial assistance, a short sale, or a deed-in-lieu of foreclosure. I disagree with their findings as they completely ignored my reason to move which is my health. The buyer has withdrawn her offer and I have moved near family where I am paying for new living expenses and can not afford to continue to pay on the mortgage on the for sale property. I am extremely disappointed in the amount of time Ocwen took to make a decision and then, to base that decision on something other than why I made the request in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. Upon realizing that this had happened after pulling my credit report for the first time a couple years ago, I realized that there were items on my report that I had no idea what they were. I immediately searched for the name of the companies and guidance on how to resolve this matter. I was directed to the FTC to file a report that would remove these accounts from my credit report ( s ). The report would also serve as my " police report '' hence the accounts are out of the limitation to be handled by the local authorities ( per the pd ). One of the accounts was changed quite a few times. Two of the three reporting agencies updated my report very quickly, removing all of the items that were on my FTC report. XXXX was the easiest and most helpful. XXXX has been accessible but some of the items took a while to remove. The 3rd ( that this complaint is about ) is XXXX. They keep checking my disputes ( which take fairly long ) and come back saying that they are mine. I called them so many times to explain that the other reporting agencies have deleted them and to check my FTC claim. When I further explain that the company went from one company name to another, they don't understand why I am upset because they removed the old accounts under the old name, but left the same accounts with the newer name. When i call to further explain or complain, they ask me a series of questions that are for my protection as they claim ... .the problem is, and I tell them this, the questions they ask are about accounts on my credit file that DO NOT BELONG TO ME, therefore i can not answer them. I give them all information about accounts that are mine and still cant get any headway with them. I don't understand how 2 out of the 3 are updated to reflect my actual accounts, but this company can not get on the same page. I have been dealing with this for a couple years now and it is really hindering my score & affecting my ability to do anything that pulls from XXXX. When i call them, they are like robots ... they do not listen or try to help when i say things like i don't own the accounts that you are asking me about so i can not answer them. If they delete the original accounts, why do they keep the same accounts that just changed names or hand offs?? I am also including the information that i sent to the companies reporting info to the credit bureau 's. I am being penalized and harassed by collectors for things that are not mine.
Product: Student loan

From my understanding XXXX XXXX XXXXXXXX and Navient has a class action lawsuit filed against both organizations. I am a former XXXX grad. Navient is my student loan serviced.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was called on XX/XX/2021 to dispute inquiries. Consumer was informed by Transunion that per FCRA, Transunion has the right to keep credit inquiries on Consumer reports for 2 years. Consumer asked did that they have it in writing and was informed he did not know. Transunion also admitted that Consumer has had a police report for Identity Theft in their files for the past several years but that it has not been attached to Consumers file. Transunion informed Consumer that a call will be made to Consumer. Consumer has not received a telephone call yet and the credit inquires has not yet to be removed.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.