23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accurate information from XXXX equifax and XXXX credit reporting agencies, NY credit reporting act states the legal time frame to have these closed items post has passed and must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

It 's been going on 3years and no real outcome, i filed a dispute with Experian and XXXX which is their credit reporting agency about an account with my old apartment which we went to court for non payment because of repairs not done to unit, the judge enter a no money judge and said the apartment people would have to sue me to collect the amount they say i owe. The apartment failed to do so and sent my account to collections who is trying to collect on an account that is not collectable. Experian has also made me field over 3 disputes in claims that the previous representative did it incorrectly and one time the dispute took longer than 30days in which experian lie and said they emailed me tge outcome which they never did. And XXXX and XXXX with experian lie and told me that where specialist in legal documents and sided with XXXX, causing more damage to my name and credit and holding me back from getting my first home.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE
Product: Mortgage

IT HAS COME TO MY ATTENTION THAT IN XXXX MY EXISTING VETERANS ADMINISTRATION LOAN WAS REFINANCED WITH A COMPANY BY THE NAME OF XXXX XXXX XXXX. THEY DO LOANS UNDER XXXX XXXX XXXX XXXX XXXX SECTION 8 HOUSING & SUBSIDIZING. I UNDERSTAND MY VA LOAN CAN NOT BE SOLD TO XXXX XXXX  OR XXXX XXXX UNDER THE XXXX XXXX GUIDELINES. AS SHOWN IN THE DOCUMENT THAT WAS SENT TO ME. THE DOCUMENT # XXXX FORM XXXX. THIS TELLS ME THAT MY VA LOAN IS TIED UP IN A SUBSIDIARY CONTRACT PER SAY AND NOT UNDER THE XXXX XXXX XXXX CONTRACT AS IT SHOULD BE UNDER FEDERAL LAW. THESE ARE MY FINDINGS FROM THE RESEARCH THAT I HAVE DONE. I HAVE ALSO SENT THESE FINDINGS TO THE CFPB OFFICE. I HAVE BEEN PAYING {$1000.00} '' XXXX OF DOLLARS OF PRINCIPAL PAYMENTS TO BB & T/TRUIST AND I HAVE REALLY BEEN MAKING SUBSIDIZED PAYMENTS TO MY MORTGAGE TO BB & T NOW TRUIST, AND THIS IS WHY MY MORTGAGE PRINCIPAL BALANCE HAS ALMOST BEEN THE SAME AS WHEN I STARTED IN XXXX, JUST PAYING MOSTLY INTEREST. THIS IS REALLY A SERIOUS MATTER. YOU CAN'T PASS THIS OVER TO BB & T CAUSE THEY MERGED OVER TO YOU. THIS REALLY UPSET ME AS A VETERAN TO HAVE MY HOME LOAN HANDED TO SOMEONE TO MAKE MONEY FROM ME AS A SECTION 8 TENANT. I PAY {$500.00} AS A PRINCIPAL PAYMENT AND {$450.00} OF THAT IS GOING INTO THE POCKETS OF ONE OF YOUR CLIENTS, AS THE SERVICE ACCOUNT HOLDER IS REALLY XXXX XXXXXXXX.
Product: Checking or savings account

On XX/XX/XXXX Wise informed me that they're closing my account for I made some transfer to some alcohol business in XXXX. I'm not sure why it violates Wise 's acceptable policy, but I tried to get in touch with Wise to explain and provide any details they might need by filing an appeal before account closing date and afterwards, but only received assigned appeal case numbers and no response neither from the compliance, nor from customer support team. While I was waiting for the appeal several direct debits and auto-payments failed which results in fees of about {$200.00}. Finally my salary of approximately {$12000.00} for XXXX was sent to that account on XX/XX/XXXX, it didn't reach ( account was frozen already ) and didn't return to my employer still, accountant department are still looking for the bounced back transfer. 

I tried to contact/appeal Wise on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Every time I got auto responses that they would get in touch with me in XXXX days to no avail. 

I believe my usage of wise personal accounts have been legitimate, I didn't perform any business, didn't deal with cryptocurrencies, but received salary for several years, used it utility payments, credit card auto-payments, transfer funds to my brokerage/investment accounts, sent money to family and some friends and places a couple of orders to stores in XXXX that didn't accept any other kind of payment except a bank transfer. I'm happy to avoid such instances, but Wise compliance team should be more tolerant with such instances and explain better what exactly should not be done via their platform. 

Attached my wealth confirmation of salary and a recent statement from investment account. 

XXXX XXXX, account id XXXX
Product: Credit reporting or other personal consumer reports

Good day, I am submitting a follow-up complaint to address fraudulent inquiries listed on my credit report. I request that the Experian and XXXX bureaus review and remove the following unauthorized inquiries, in compliance with legal requirements : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights te privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00}, XXXX XXXX XXXX XXXX XXXX {$1000.00}, CXXXX XXXX XXXX XXXX XXXX  {$690.00}, XXXX XXXX XXXX XXXX XXXX  {$3600.00}
Product: Student loan

I have applied for a re-structure on my student loan in XX/XX/2023 to lower my payments and was given a new estimated payment of {$45.00} per month. Company stated they are still behind on my application and I am in there system to get completed and in pending. However I continue to receive billing statement while they are working through there back log of application. I need to have my repayment application completed soon, so I can start making the lower payment that was documented and discussed to me.
Product: Debt collection

We have been receiving calls from Municipal Services Bureau daily for about two months. The caller ID says Gila Corp. so we are unable to block their calls. The number they say to call is XXXX which we have blocked but continue to receive these calls. The message says they important information and to call XXXX immediately. According to XXXX, Gila Corp. is a debt collection agency.
Product: Student loan

Original borrow ended XX/XX/2012. Estimated total debt +/- {$38000.00}. Total initial consolidation at that time was {$76000.00}. I fought with Navient about this, they would not budge. I filed a XXXX  complaint and they credited +/- {$11000.00} due to a disbursement to the school that was returned. However they still double consolidated the total loan amounts!! I have been attempting to fight with them all along. I have filed numerous complaints and have gotten now where. I have paid, relatively diligently since and have currently paid in +/- XXXX. I know there is interest in there to pay back. Navient still has me listed as owing XXXX. 

1. Even if I did owe XXXX minus the XXXX credit, total XXXX - after paying in XXXX, how is my balance only decreased by XXXX?!!! 
2. I do not owe this massive amount and have paid for over 7 years on this loan without a decrease in balance. 
3. I can not get the balance due corrected!

4. Lawyers tell me that I am beyond the 3 year contract law discovery since I flied with the XXXX. 

What do I do??
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX & XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX there are several inconsistencies regarding this account. I will attach document below
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to remove inaccurate/unrecognized collections accounts : XXXX XXXX XXXX ... .. {$1500.00} XXXX XXXX XXXX ... ... {$240.00} XXXX XXXX XXXX .... {$2700.00} I have disputed these invalid accounts but they have not been removed.
Product: Credit reporting or other personal consumer reports

In an attempt to raise my credit score so that I could qualify for renting a house, I paid as much as I could to reduce credit card debt. Between XX/XX/2024 and XX/XX/2024 I paid {$750.00} to my XXXX XXXX XXXX credit card account reducing the balance owed from {$1200.00} to {$480.00}. I also reduced the balance owed on a XXXX credit card by paying {$290.00}. 

On the attached file marked XX/XX/2024 there is mention of " NICE WROK lowering your balance. However, my credit score from XXXX went DOWN XXXX points. Not up. 

Additionally, Equifax reduced my credit score by XXXX points. Please see attached which shows that only XXXX increased from {$0.00} to {$60.00} as the card was a {$0.00} balance, I also paid XXXX XXXX {$540.00} reducing the balance owed from {$800.00} to {$260.00}. I also made payments to XXXX XXXX  ( car payment ) ( XXXX XXXX ( car payment ), XXXXXXXX XXXX, and as above ... XXXX XXXX XXXX and XXXX. 
None of this makes any sense, I am being penalized for paying my credit cards. How is this helping people to get out of debt and help the economy?? 

This is so upsetting and unfair. 

XXXX Credit Bureau sent an email saying my credit score has increased.
Product: Debt collection

I have been receiving a minimum of 4 phone calls a day from Care Credit due to a late payment. The company calls every day of the week, and the phone calls start anywhere from XXXX to XXXX. The phone calls started out as once per day leaving an automated message on my voicemail, and once I answered and spoke with someone explaining I work third shift and to stop calling me. After speaking to someone and requesting the calls to stop, the company began calling 4 or more times a day. No messages are being left, and if I do answer, they hang up. I 've resorted to installing an application on my phone so the calls go directly to voicemail instead of waking me up every two hours when they call
Product: Credit card or prepaid card

( Please review Attachment ). 

Please review correspondence addressed to XXXX as it relates to issues that occured with Citi Bank as well. Within the correspondence addressed to XXXX the issue is addressed that Citi Bank has outdated methods when contacting merchants on behalf of their customers when there is a dispute. This practice needs to be updated so that other customers do not have the same negative experience that I did. 

NOTE : My situation has been resolved as of XX/XX/19, but I thought it would be beneficial for future consumers to have such a situation documented by the CFPB.
Product: Credit card or prepaid card

On XX/XX/XXXX of 2019 a person by the name of XXXX XXXX XXXX XXXX  and transaction on my account which is referenced transaction ID number XXXX in the amount of XXXX off of my AmEx serve card using XXXX. I would like full reimbursement of this.
Product: Credit card

Our card number which Citibank drafted our XXXX payment changed we registered the new card number and Citibank drafted the payment prior to XXXX XXXX leaving our account current. I live in XXXX but went to XXXX to be with my grands. I return to find a delinquent balance of {$440.00} and an increased in interest rate from 0 % interest to 29 %. Citibank informed me they did not draft my {$220.00} payments for the months in XXXX and XXXX and did not know why. There was more than sufficient funds in the account. 
Citibank apologized and said if we made the {$440.00} payment they would reinstate my account reduce the interest rate and start back to take the automatic drafts out of our account again I immediately paid the {$440.00} requested to reinstate the account. I received a statement showing {$400.00} went to interest and late fees and {$40.00} was reduced from my balance. A Citibank employee explained we never reduce interest rates and we were probably told that to get us to pay the {$440.00} due because Citibank gives employees bonuses on money collected, but they never reinstate accounts. 
I filed several complaints and provided Citibank with their own records/statements showing my bank draft of {$220.00} for XXXX was made on time with a {$0.00} payment due on XXXX XXXX and their failure to make bank drafts in XXXX and XXXX caused us to be {$440.00} past due. 
I told Citibank that day I was not going to allow them to steal our money and we would not be make another payment until our interest rate was reinstated and we were given credit for that {$440.00} payment as usually applied without interest. 
Despite numerous complaints, letters and phone calls Citibank failed/refused to reinstate our account, why Citibank does not reinstate accounts. Well we do n't allow people to steal our money. 
After several months of failed efforts to get Citibank to check their own account statements of the last XXXX payments to the account which I willing provided and review their records of stopping bank drafts which demonstrated their failure to draft payment caused the XXXX late payment and late fees Citibank charged the account off and placed a negative report on my husband 's credit. 
Said charge-off without just cause was a devastating blow to my husband 's XXXX years of good credit with Citibank and to his pride in paying this bill on time for over XXXX years. 
This account was current as of XXXX XXXX and in good standing, all activity following that payment was due to acts and/or failure to act of Citibank employees who despite their error failed refused to reinstate our account that year. 
Citibank abused their powers, stopped taking payments, increased our interest rate, wrote off the loan, sent XXXX to demonstrate their loss as our income, ruined our credit and stole our XXXX year record of paying on time, why to increase their profits by lending that same money at a higher rate to someone else. 
Citibank also stop taking payments from my Home Depo account # XXXX XXXX XXXX XXXX without just cause which forced me to accept a settlement. Said acts appear to be a bad pattern/business practice of Citibank.
Product: Credit reporting or other personal consumer reports

please delete and remove the following inquiries from my credit prole due to right to privacy I DISPUTED THE ITEMS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INFORMATION I didn't receive any personal extended credit from the agencies below : XXXX : XXXX XXXX XXXX Equifax : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX. I disputed this information with EQUIFAX credit bureau over XXXX times and they failed to remove the disputed information I had no other choice but to XXXX this adavit the credit consumer agencies violated my rights and I have no other remedy when disputing incorrect information from the credit XXXX XXXX than to report to the consumer protection agencies. THE ONLINE DISPUTE CENTER WILL NOT WORK WHEN I DISPUTE NEGATIVE INFO ON THE CREDIT REPORT
Product: Credit reporting

Experian is currently reporting an account that the company has removed. XXXX and XXXX have stopped reporting the account 2 months ago when the company originally requested. the company is XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX and market various products for suppliers. Earlier this year my business and myself was a victim of numerous financial fraud totaling over {$20000.00}. The loss of this funds had an impact on my income and my credit. As a result of the impact to my credit, I went from a XXXX credit score to credit score in the 500s. When my score reduced lenders that I had great relationship with started lowering my credit limits. I understand this because I am looking like a liability to these companies because they did not know the situation. By these companies reducing my credit limits, it further damaged my credit since these credit card had balances on them. Commerce Bank and XXXX XXXX XXXX are two of the main companies I am experiencing tremendous problems. 

I have been a loyal and responsible borrower with both companies. My account with Commerce Bank has been opened since XXXX. My credit limit was {$7000.00}. I have made ontime payments for the last 5 years and my limit was never increased. The company states they review account often. Secondly, there are two open disputes on my account that was never fully investigated or given my an update since the disputes were filed. One dispute is for {$1000.00} and the other is {$1500.00}. I have been getting interest fees on both charges. Services were never provided and these charges was suppose to be credited back to my credit card. 

Enclosed is a Commerce Statement in XXXX of XXXX showing my credit limit was {$7000.00}. XXXX Statement showed my limit was {$4300.00} after my credit limit was reduced which brought my credit utilization ration to more than 100 % since I had an outstanding balance. As a result of the credit limit decrease, my credit score was further negatively impacted. I'm in the process of buying a home so I made a {$2000.00} payment on XX/XX/XXXX so that my utilization ration would be reduce which would then increase my credit score for me to get qualify for a mortgage loan. Instead of my utilization reduce, Commerce Bank lowered my credit limit a second time immediately after payment was received. The lowered limit to {$2100.00} was reported to the credit bureau which lowered my credit score again and now maxed out the credit card since they did not credit the {$2500.00} dispute. At this point I do not owe Commerce bank any money. This company now owes me more than {$500.00}. 

XXXX XXXX XXXX  also did the same thing. My credit limit was reduced from {$6400.00} to now {$1600.00} after a {$2000.00} payment was made on XX/XX/XXXX. 

This is not right and these companies should not be allowed to damage consumer credit score by reducing limits for no reasons at all. I have never violated any terms in the agreements and have never made a single late payment since I have been a consumer with both companies. My family life is being affected by these companies and I'm quite sure this is the case for thousands of consumers that have credit accounts with them. 

Thank you for looking into this matter.
Product: Mortgage

I have this Mortgage Account opened with XXXX XXXX XXXX ( XXXX ) which is also known as United Shore Financial Services , LLC Account No. XXXX, they opened by Mortgage Account on XX/XX/XXXX. Based on all the documentation I submitted and house Value, they came up with the payment of {$2700.00}. 

The distribution is in this manner - Principal {$580.00} Interest {$1900.00} Escrow Amount ( for Taxes & Insurance ) {$180.00} it comes out to be a total of {$2700.00} {$180.00} is the PMI ( private Mortgage Insurance ) which I pay monthly. 

So when they approved the loan they already calculated my taxes and Insurance and accordingly how much my PMI should be. 

Now three days ago XXXX sends me this letter which states that they have increased my payments from {$2700.00} to {$2800.00} because there are changes in taxes and insurance of my property ( please see attached ). 

I called XXXX and spoke with the Supervisor and he said my Taxes and Insurance has changed and that is why they will increase my monthly escrow ( PMI ) payment from {$180.00} to XXXX ( XXXX has made an increase of {$45.00} ). 

Well, I have my Home Insurance through XXXX and their insurance for the whole year is {$420.00} which is already paid. 

I also called the county assessor office on XX/XX/XXXX and the assessor office told me that my house taxes haven't been prepared yet as I just bought the house 5 months ago and system hasn't registered my name yet, so they don't even know how much are my house taxes yet. So I do not understand on what basis XXXX is increasing my Escrow amount. 

When I asked the XXXX supervisor about this, he sent me a PMI disclosure ( Please see attached ) which doesn't mention anything that PMI will be increased anytime and out of no reason, in fact it just states " PMI protects lenders and others against financial loss when borrowers default. Charges for PMI are added to your loan payments. '' So this is an extortion from the Lender.  People in southern California can not afford to buy the house, those who can face big extortion from companies like XXXX. 
They haven't learned the lesson after loosing a Lawsuit in XXXX over bad FHA mortgages and settling the case for {$48.00} XXXX. 

They just increased my PMI by {$45.00} out of their whim and have no explanation to it.
Product: Credit reporting or other personal consumer reports

I have been disputing XXXX XXXX on my credit profile, I was a victim of identity thief and every time I dispute the account it will come back as verified even after I point out multiple violations and prove that all my XXXX credit reports are reporting different information from this company they are reporting deceptive information on reports also and is in violation of my consumer rights I have requested a validation letter from the company also requested method of verification from the credit bureaus on how they conducted they investigation. Also I did not authorize XXXX XXXX XXXX to report on credit profile. And I requested that the credit bureaus delete the account and they refused even after I notified them of the deceptive account