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

My account with XXXX XXXX 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 XXXX 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 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 or other personal consumer reports

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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: Debt collection

On XX/XX/XXXX, I reached out via email to CredenceRM ( www.credenncerm.com per their letter ) to notify them that their website they pointed me to validate my debt and pay the balance did not work. The subject line was " Dispute '' and the account number they listed on their letter. On XX/XX/XXXX, I received an email noting they would respond to my concern shortly, basically an acknowledgement of the request I had made. I received no other communication from this company and on XX/XX/year>, they reported my balance to at least XXXX of the XXXX major credit bureaus. I question this debt with CredenceRM because on XX/XX/XXXX of this year, another company called " XXXX XXXX XXXX '' sent me no letter at all yet reported this same debt to XXXX of the XXXX major credit bureaus and 30 days later removed that reporting from my credit file without any notice or communications with me. When I attempted to access CredenceRM 's website at the web address per their letter, the website did not work. I tried it for days, various times throughout the day, both on my I-phone and my XXXX pc . My husband tried as well without luck and we had assumed this was fraud. So I wanted for their response. Their response was simply to report my balance to the credit bureaus, and I manually looked up their website and made the payment as I am in the process of securing a mortgage for a home. Please help me fight against these unfair communication practices. I believe they are to report that the account is in dispute?
Product: Credit reporting or other personal consumer reports

I'm not sure when these accounts were added to my credit reports but I noticed a couple weeks ago its been years since Ive applied for any credit. I've faced a few financial difficulties over the last few years and I reached my limit with savings. I have to get a line of credit or a loan of some kind to help me through this post Pandemic and high inflation time I'm in. I always check my reports before applying for any kind of credit or loans because Ive been surprised in the past with what was reporting on my credit reports. Here we are again with sooo many accounts not belonging to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please reach out to Transunion, XXXX and XXXX on my behalf because all of these accounts show on what they're reporting in some way.
Product: Credit reporting

Regarding the XXXX XXXX accounts below, these were originally sent to my credit reports incorrectly. Last year after working with them for several months, we finally got the bills straightened out. Attached are letters showing our settlement and then their letters confirming they received payoff and would be removing the accounts from my credit reports. 
Last month, I noticed they were re-assigned new account numbers and resubmitted to the credit bureaus. I believe this is illegal. I believe it 's also illegal to put these back on my credit reports without notifying me in writing at least XXXX days in advance - which they did not do. I 've tried unsuccessfully to work with XXXX but they evidently have their records in a complete mess. 
Please have them re-remove these from my credit reports so that I do n't have to take this to court. 
I 'm also going to try attaching a copy of my XXXX 2015 credit report to prove I had clean credit before XXXX did this.
Product: Student loan

I applied for forebarence on my Navient loan which was approved. They continued to call and harrass me for payment anywhere from 6-10 calls per month. I finally spoke to a person in XX/XX/XXXX and they told me the loan was n't in forebarence even though I had a letter stating it was. I negotiated with the collections rep to make a double payment by the XXXX of the month every month until the loan was brought current. I made that first double payment XX/XX/XXXX on the phone. I sent the second double payment XX/XX/XXXX via mail which they received on XX/XX/XXXX. My next double payment should n't be due until XX/XX/XXXX. This morning ( XX/XX/XXXX ) I received a phone call saying my payments are late and need to be brought current. No record of course with me negotiating the double payment back on XX/XX/XXXX. I am doing what I said I would do and the phone calls and harrassment does n't seem to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report at LexisNexis is reporting wrong information, that belong to another person ....
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mortgage from XXXX XXXX company that does not belong to me. This is my ex-wife. Somehow, even though I make no payments on this mortgage, and the name on it is not my legal name, this is being reported to the credit agencies with a devastating impact on my credit. 
XXXX refuses to give me any information about this mortgage. Repeated calls to them have been useless. How can I fight to get this off my credit report when I am unarmed with the facts? 
This only showed up on my credit 18 mo ago, NEVER prior to this.
Product: Mortgage

I am LIVID with Ocwen Loan Servicing. My father died XXXX leaving no Estate. My mother passed XXXX. Since there was a house and no will, I had to go through Probate which was completed about XX/XX/2015. I sent Ocwen the personal responsibility form notarized by the XXXX XXXX XXXX Probate Court naming me as the ONLY party to the Estate. I 've been trying to get Ocwen to change the mortgage to my name as deceased people can not own real property. They refuse. Any contact with them has to open with giving my ( deceased ) mother 's ssn. This is ridiculous and stirs up emotions I just do n't need. Now for the ultimate insult. I got a fat envelope from Ocwen last week ( their date XXXX ) stating I 'm in default ( 2 months when letter was created, now XXXX. It also threatens foreclosure! I know foreclosure proceedings can not begin until 4 months in arrears. I tried calling and got the typical XXXX accent which I can barely understand. After explaining everything, he said that he could n't help as he 's not my 'personal ' mortgage assistant. I could n't understand his name or employee number at the beginning of the call. It 's time Ocwen actually showed some customer service! My brother is helping with mortgage due to a financial crisis. I 'm sure we can make 1 or 2 payments before XXXX ( four months behind ).
Product: Debt collection

I have an imposter acting like a speedy-cash representative and they keep e-mailing me threatening to take me to jail I have already given them the e-mail address of the scammer I get them every week several times, Speedy Cash is aware of the scammers please contact speedy cash! 
THANK YOU! 
XXXX XXXX XXXX
Product: Mortgage

I changed my XXXX XXXX XXXX XXXX on XX/XX/2023 to save money as I am a XXXX, XXXX XXXX XXXX on a fixed income. On XX/XX/XXXX I received a refund check from XXXX, my previous insurance company for XXXX. My new policy is an annual premium for XXXX. My insurance provider suggested I contact my Mortgage company, Fifth/Third to see what I had to repay to escrow if anything. Upon contacting Fifth Third mortgage they started making statements I did not agree with. Specifically they said I had to give them the full amount of the XXXX! They put me in contact with an associate in the Escrow Department, XXXX on XX/XX/2023 to explain and continued with the full amount of the check is what they needed and paying them if I could from my resources would be best. At great duress I gave in and paid them from my personal account which left me quite low in my personal checking but I did deposit the refund check. 
The issue is if all I had to do was replace the insurance portion of the Escrow it should have been XXXX for a full year only. Taxes and insurance are collected monthly and should be in the Escrow account! But after review online of my account it appears they took all of the XXXX refund and utilized it my account with NO agreement from me or valid or any explanation that made sense. This is wrong and very shady. I still have no idea what they are doing or why. Again as you know taxes and insurance are paid monthly why would they devour the whole check? Why did they push, hard for the full check? Even the amount of XXXX would seem high to me as they have collected 6 months of insurance premium I should be paying them XXXX for the rest of the year which is crazy as well because again they collect taxes and insurance monthly. 
Per my account as of today XXXX it looks as though they've applied part of the check to an additional monthly payment on XX/XX/2023 I did not agree to. I paid my XX/XX/2023 payment on XX/XX/2023 and they've put the rest in curtailment? Help!! Something is very wrong. The Mortgage Company Fifth Third is giving me health issues my stress level is high they are making my XXXX XXXX shoot to way above normal. 
Also this Company calls, emails in an unreasonable amount before my payment is due monthly to the point of harassment!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX 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
Product: Mortgage

I applied for a HELOC loan through Golden 1 in late XXXX. I was conditionally approved, and then was told that they were using 1 % of my XXXX  loan debt to calculate my income to debt ratio. They indicated that I needed to obtain a letter from my student loan company which explicitly states that I am on an income based repayment plan, and what my payment would be once the federal pause is over. I obtained this letter and they again denied the loan, stating that they do not accept income based repayments.
Product: Debt collection

I am receiving continuing calls from agencies about astronomically high credit card bills I never made. Representatives are continually calling me all times of the early morning, noon and late night, including Saturdays and Sundays. When asked to stop harassing me, they ignore my request, and if I block their number, they call from a different number.
Product: Debt collection

When pulling my credit, I noticed there was an extremely high account recently placed in collections by Lake City Credit ( XXXX XXXX  XXXX XXXX XXXX, TX XXXX ) On XX/XX/XXXX, I sent a Debt Validation Letter by certified mail to Lake City Credit in efforts to validate the debt shown on my credit report and better understand what was being reported. Today XX/XX/XXXX, I have not received a response. I researched Lake City Credit and was able to verify that this company is not licensed or bonded and has no right to collect a debt in Texas, but the reason for my complaint is, when I researched the account I noticed Lake City Credit is attempting to collect on an XXXX  account closed in XX/XX/XXXX. I feel this creditor is violating the XXXX XXXX  by placing a extremely high balance ( {$9000.00} ) on my credit and attempting to collect on what is consider a " zombie account '' without validating the amount owed since under the FCRA 15 U.S.C. 1681i, all unverified accounts must be verified or removed from my credit. 

Attached are my supporting documents.
Product: Student loan

I have my student loans through Navient, which is a terrible company and I would never tell anyone to ever borrow money from them. I owe them just a little over {$80000.00}, which I understand that I borrowed the money and I should pay them back. I 'm ok with paying them. I feel that I should pay them, but what they are doing is thievery. I have a total of XXXX loans through them ranging in interest rates from 4.75 % up to 11.62 %. When I called them to see if they could help me to possibly consolidate these loans I was told they are not doing any loan consolidation at this time, which is what I was told every time I called them. They could n't offer me any help to bring my payments down to a more manageable monthly payment. And mentioning monthly payments, I have a lot of them left. I was told my final payment will be in 2035! I will pay off my house before then! By that time I would have paid them over {$200000.00}. I initially only borrowed around {$66000.00}. That 's an absurd profit margin. The only answer I got from them was them telling me to call another lender to try and consolidate some of the current loans. So I am in the process of doing just that, but it would be nice if the company I borrowed from were more helpful. As I stated before, I would never borrow from them nor tell any else to borrow from them. They are a bad company with bad practices. This whole ordeal has made me really wish I did n't even bother going to college, and it makes really think if it 's worth pushing my future children to even bother going. I hope someone can help.
Product: Credit card

American Express illegally increased my APR to 29.99 % in violation of federal law. 

Amex falsely claimed I was XXXX days late to justify a Penalty APR increase. 

On a recorded call, their representative admitted I was NEVER actually XXXX days late. 

They double dipped with late fees on top of an illegally applied penalty APR increase. 

The XXXX XXXX requires a separate, XXXX advance written notice before an XXXX increase. Amex HID the rate increase in my billing statement instead of properly notifying me. 

When I demanded written proof of my XXXX increase and delinquency status, Amex REFUSED to provide any documentation. 

Their failure to follow federal notification laws means this XXXX increase was applied ILLEGALLY. 

THIS IS A TEXTBOOK CASE OF PREDATORY LENDING.
Product: Debt collection

in violation of the privacy act in 1974 XXXX is violating my privacy by reporting an account listed in the name of TRANSWORLD SYSTEMS INC. I've tried to contact this company requesting an original contract between me and TRANSWORLD SYSTEMS INC, and the original contract between XXXX and TRANSWORLD SYSTEMS INC of this alleged debt that they are saying i owe them. As well as the transfer of ownership. They are reporting this on my report inaccurately in which is causing me to be denied things based on this inaccuracy.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX XXXX are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Product: Bank account or service

Applied for citigold checking account with promotional code XXXX before XXXX/XXXX/15 which entitles me to XXXX XXXX aadvantage points if I used the accounts in a certain way. " Then, within 60 days after account opening : the required minimum amount of purchases using the Citibank ( R ) Debit Card must be posted to the new checking account AND 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' I met all qualifications, but Citibank denied me the aadvantage points. They claim that because the offer promo was not sent to me that they do n't have to send me the miles. However, I was allowed to open the account online and the documentation received when the account was opened online indicated that I was eligible : " This offer is available to Citi ( R ) / AAdvantage ( R ) credit cardmembers who receive this communication. Offers for new consumer checking customers only, XXXX years or older. '' I have an aadvantage card, am a new checking customer, and am older than XXXX. It did not include any indication that the promotion was not valid for me.
Product: Checking or savings account

This relates to my existing claim, number XXXX, with M & T Bank. 

After the bank improperly drilled my safe deposit box and lost a coin, they sent my items to the bank 's abandoned property division. I was advised by the XXXX branch ( where the deposit box was located ) that the Bank 's XXXX  M & T XXXX  branch would have the bulk of my safe deposit box possessions. This afternoon, I went to the XXXX M & T XXXX, XXXX branch to claim my property. 

When I arrived, the bank provided me with an affidavit to sign before I could even look at my property. I refused to so sign. The affidavit had prepopulated choices for the reason that the box was drilled. One was non-payment, the other was some other irrelevant choice whose name escapes me. The bank thus wanted me to state that it was my fault that box was drilled, when it was wholly caused by the bank 's  failure to update its systems and to send me certified letters to the address that I provided the bank. 

The affidavit also required me to state that " all '' the contents of the box had been returned to me. This is not true. First, I couldn't even look at the contents before being required to so sign. Through a subsequent conversation with bank employees, I learned that they intended to reference the itemization that they provided. I believe that a maple leaf coin is missing. I am not going to swear out a false affidavit. 

My failure to state that the drilling of the box was my fault, and my failure to state that the bank fully provided me with my property ( neither statement is true ) was the sole reason that I was denied my property today. I escalated to a commercial manager, who was not helpful nor sympathetic. He provided me with the name of XXXX 's retail risk manager, a woman named XXXX, and I left her a message. I have yet to hear back from her. 

This conduct is unacceptable. In sum, the bank 's systems were not updated. They drilled my box without cause, despite the fact that I had a current box lease for that time period. They then lost one of my coins. Upon taking five days to get my property together, they then refused to provide my own property to me without signing an affidavit stating that it was my fault, and that it was fully returned. That can not possibly be legal.
Product: Vehicle loan or lease

I am behind on my car payments, however I do pay and when I do I make addtional p ayments. Satander calle d an acquaintance that is not even listed as a reference and an ex boyfriend I have n't spoken to in over 10 years to ask for me and disclosed the nature. The call was made by  XXXX  at  XXXX , on  XXXX / XXXX /  XXXX  . Whenever I am  2 weeks past the due date, I will get 3 calls in the day. 2 hangups in the morning an d then a final  one  from the same person  XXXX . They will even cal l on Sundays. From the looks of my account they are only applying the payments to interest and not to prin ciple. I did not give them permission to call anyone other than me. They have my address and phone number. They was no reason for her  or Satander to call anyone o ther than me especially someone I have n't dealt with a very long time. My fear is that they will harass me at my job or anyone else they come up with. The only mail I have received is my monthly statement.
Product: Prepaid card

On XXXX my card was compromised and used to make a {$48.00} XXXX XXXX transaction that I didnt authorize or have any knowledge of. I contacted ADP and had my card blocked as well as let them know this was not me as I have NEVER sent XXXX XXXX  to ANYONE EVER! They advised me to submit a statement attesting that I did not make thecharge ( see attached ). Also, they advised me they had to investigate and that it could take up to 45 days. I kept calling and checking the status and they kept telling me they were still investigating. I just received notification that they are not going to reimburse me and that I MADE THE CHARGES. I am livid and outraged. I dont know what kind of investigation they did ( or didnt do ) but they are 1000 % wrong. I WANT MY MONEY! I also reached out to XXXX who said they had NO transactions in my name for {$48.00} and said I needed to reach back out to my bank? How did ADP come to the conclusion that it was me when XXXX  verified I did not do this transaction? I want them to make me whole and provide me with the evidence of their sloppy so called investigation.
Product: Credit reporting or other personal consumer reports

Re : Data Breach Request for Deletion of Accounts and Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to notify your bureau that I am a victim of a data breach. As such, I request the immediate blocking and deletion of the following accounts and inquiries as permitted under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
ACCOUNTS TO BE BLOCKED AND DELETED : XXXX XXXX  - XXXX - XXXX - {$2000.00} XXXX XXXX XXXX XXXX - XXXX - XXXX - {$3500.00} INQUIRIES TO BE BLOCKED AND DELETED : 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