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

Please see attached document Final Demand For Compliance
Product: Student loan

I am enrolled in autopay. Money was received both notified through lender and bank statement yet my account says XXXX past due and continues to suggest I need to pay last months payment although it was already paid. 

Waited to speak to someone for XXXX hours with not support or way of getting a hold of someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PROVIDED EXPERIAN WITH ALL THE DOCUMENTS TO PROVE THAT THE BANKRUPTCY SHOULD NOT HAVE BEEN ON MY CREDIT REPORT. I HAVE SUBMIITED ALL DOCUMENTS, AFTER THEY INVESTIGATED IT, THEY MAILED ME A LETTER STATING THAT THEY HAVE DELETED IT, BUT S OF XXXX, IT IS CURRENTLY REPORTING ON MY CREDIT REPORT.
Product: Debt collection

I do not understand how can a statement from XXXX XXXX which I never had this account with XXXX XXXX be validation. I have a current account good standings with XXXX XXXX but never this one. When was the last payment made on this account? The statement doesn't provide any validation at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX  XXXX ) that you Experian, XXXX and XXXX, XXXX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXXXXXX opened XXXX XXXX XXXX XXXX XXXX XXXX  XXXX opened XXXX $ XXXX XXXXXXXX XXXX  XXXX opened XXXX $ XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I pay {$97.00} since XX/XX/2020, for the last 17 months. This debt should be paid off this month. XXXX is saying that I owe them {$390.00} because I have been late on payments and have missed payments. The payment is due the XXXX of every month and it has NEVER been late to them. I have all my banking records to prove this as well as I logged onto my XXXX account. The account I logged into showed missed payments and every single payment being late. I discovered all this when I was trying to figure out how much I owe them because they have not sent me one statement in 17 months or ever for that matter. Please assist me in this matter. It it's not fair when someone is trying to do the right thing and do everything this company ask and then they put me in a category with being late and missed payments. It's absolutely ridiculous and I would like to see it corrected and I called their customer service department and they really didn't seem to care!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2007 ; XXXX XXXX XXXX AV XXXX XXXX, IL XXXX ; XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

XXXX XXXX LETTER OF EXPLAINATION I purchased my house in XXXX. I have had 3 Mortgage Modifications since XXXX. The 1st modification was for 2 years through XXXX XXXX XXXX XXXX ( see attached ). In XXXX, I requested a permanent modification through the investors " XXXX XXXX XXXX. '' The interest only would start at 3 % for 2 years and 3.5 % for 3 yrs. After the 3 years, PRINCIPLE AND INTEREST would be added to my monthly payments. I attempted to resolve this issue BEFORE THE 3.5 % would start in XXXX and in XXXX and thereafter the MODIFICATION would revert back to the ORIGINAL LOAN AGREEMENT. I was somewhat successful, I received a letter from XXXX XXXXXXXX XXXX date XX/XX/XXXX stating that " YOUR RATE AND PAYMENT IS SCHEDULED TO REMAIN THE SAME UNTIL THE FINAL PAYMENT DATE, WHICH IS YOUR MTURITY DATE ON XX/XX/XXXX. '' Because I was not given the correct information, I filed a complaint with XXXX XXXX XXXX and the Consumer Financial Protection Bureau ( original letters attached ). I received the modification in XX/XX/XXXX ( documents attached ). The XXXX modification was an addendum to the XXXX modification because the XXXX modification did not state that the modification was for the life of the loan, it only stated that it would be an interest only modification for 5 years and thereafter I would have to start paying principle and interest. That is the reason I contacted the Consumer Financial Protection Bureau and the XXXX office for help. During my contact with these offices I received a letter from XXXX  XXXX XXXX dated XX/XX/XXXX stating that my loan will remain the same until the life of the loan. In XX/XX/XXXX, Bank XXXX XXXX acct # XXXX sold my loan to Select Portfolio Servicing acct # XXXX, they forwarded the most recent modification documents but LEFT OUT THE IMPORTANT LETTER THAT STATES 3.5 % until the life of the loan ends in XX/XX/XXXX. 
I am very disappointed as I continue to get the " runaround '' or misinterpreting of documents from these banks. I spoke to Select Portfolio Servicing several times and they reassured me that they would honor the Modification. 
On XX/XX/XXXX, I received a letter ( attached ) informing me that the interest rate would be going up to 4.25 % which would make my payments go up from interest only {$770.00} ( I always send more ) to interest and principle {$1600.00} starting XX/XX/XXXX. I have spoken to them but no one has answers. Furthermore, they will not honor the letter from XXXX XXXX XXXX as it has a date of XX/XX/XXXX and the most recent modification is dated XXXX and the same verbiage as the XXXX modification. 


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

I have fraudulent accounts on my credit profile that does not belong to me when I looked at my credit they are fraudulent accounts I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

I sold my home on XX/XX/XXXX. The router was returned via a service visit on XX/XX/XXXX. On Friday XX/XX/XXXX I applied for a construction loan and the lender noticed a collection on my account. It was the first time I ever heard of it. 

I called XXXX  and requested information about it and they said that it was due to an unreturned router. I told them we did return it and asked why I was never informed of this nor notified. They said they could not help me. I tried calling the collection agency as well and let them know of the same, and asked why I was never informed of this nor given a chance to explain. why they took 2 years and then posted it on my score without letting me know. They said they could not help me. 

Out of good will I payed the {$130.00} owed. 

Please I need this mistake removed form my credit score since I was not at fault for this. 

Thank you, XXXX.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX account was removed from my XXXX credit report. Please remove from my Equifax credit report and XXXX credit report.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quicklyXXXX XXXX XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$5800.00}.
Product: Debt collection

Company has been calling many different people including an old roommate from 1997. They are telling them a court case is being filed against me. They know my number, yet they are using an unfair tactic of calling my known acquaintances to embarass me. They should only call me. I tried to get them to give me the numbers they have been calling but they refused, and they also spoke to me in an abusive language.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter refinanced her Wells Fargo Student Loan ( on which I am a co-signer ) with XXXX ( see attached documentation ), with a loan approval date of XX/XX/2020. XXXX was supposed to pay off Wells Fargo XX/XX/2020. My daughter XXXXs first pay to XXXX was scheduled for XX/XX/2020,. 

As of XX/XX/XXXX, XXXX paid off the loan to WF. However, WF already reported a 30-day deliquency on the account, which decreased my credit score by nearly 100 points. I requested a rapid credit rescoring of WF, and they have opened a dispute. 

I am in process of purchasing a home. I need an immediate rapid rescoring of my credit because I am not at fault for the error made by XXXX on my daughter 's account. 

My case with Wells Fargo is XXXX. 
My daughter 's Request Number with XXXX is XXXX. 
My XXXX Reference Number is XXXX. 

Thank you. 

XXXX XXXX XXXX XXXX, IL
Product: Debt collection

I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with COMENITYCB/DNTALLIANCE in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This account with fraud charges being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : 1 ) COMENITYCB/DNTALLIANCE. XXXX. Opened Date XX/XX/XXXX. Limit {$2100.00}. Balance {$0.00}. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character. 

Attached : Letter sent to COMENITYCB/DNTALLIANCE and FTC Report.
Product: Credit card or prepaid card

I have an XXXX XXXX credit card that had a credit limit of XXXX. I make my payments on time and today I received a letter that they decreased my credit limit to XXXX, ( My balance is XXXX ) and XXXX to use. They have done this to me on another account I never used, it was a XXXX account with a {$250.00} limit. and a XXXX   XXXX card, that I paid off and hadn't used in a few months. The credit limit was XXXX and they lowered it to {$100.00}, again another ding. I never used the XXXX XXXX card and they lowered the limit to XXXX. So it had an impact on my credit report. This new XXXX XXXX decrease will also affect my report. They told me it had something to do with something in their contract that they can lower the limit at any time, based on my credit report. The report they are using is from XXXX. It's already XXXX and my credit score was less when I first received these cards years ago than it is now. However, 4 other cards that I never used, they closed them, and that did not ding my credit report. How do they get away with this? 

Why am I know getting penalized for patronizing a store and paying my bill on time? I spoke to a " Credit Supervisor of  XXXX. His name was XXXX ID # XXXX. I asked for the name of the Chairman of the Board but he refused to give me that information. What kills me is that they report it to the credit bureaus with absolutely no reason for the decrease. What are my options to alleviate this, I think I only have three XXXX  cards left the others issuing banks alert me if I haven't used a card they will close the account ; that is fair! I understand that and it's not a negative on my report. I can understand not giving me an increase but to decrease it, hurts my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Mortgage

I 'm returning because I continue to have issues with my lender, my tracking number was XXXX In XX/XX/XXXX on my account statement shows activity for reversal payment which has not happen thus far, approximately XXXX In XX/XX/XXXX I Paid and escrow bill {$30.00} dollars, I 'm unable to denote the actual amount that went on my escrow, I have made every attempt to keep this account in good standing, Seterus is making this very difficult.XX/XX/XXXX Seterus states my payment will increase! 
I can not afford a lawyer, I feel that I truly need one, hopefully someone will hear my plea and help me, My previous request for help ended very minimal and my back remain against the wall, I am asking to have my account audit to make sure my principle is as stated I 'm requesting acceptance of my deferred taxes from XXXX county [ I have the affidavit ] and the escrow account be closed, with all monies in the account go toward my principle I 'm requesting that the reversal of XXXX XXXX be applied to my account I 'm requesting that revision of my payment schedule to only include principle and interest
Product: Credit reporting, credit repair services, or other personal consumer reports

Know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with TransUnion 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me. 
XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiryXXXX
Product: Credit reporting or other personal consumer reports

XXXX, credit reporting and experience reporting agents and XXXX reporting agents.They are doing a scamming investigation on reports hard Inquiries Provide my personal information out to other companies, XXXX, XXXX. , Experian They are violating federal laws with credit reporting that do not. Do their investigation on reporting like identity, XXXX and fraud? I asked him to dispute everything on my credit report. Calls, it was all fraud. Information did not have no knowledge about these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW RES- SHELL POINT MTG IS ERRONEOUSLY REPORTING LATE PAYMENTS AND PAST DUE BALANCE ON MY CREDIT REPORT FOR THE LOAN THAT WAS PAID OFF AND TRANSFERRED TO ANOTHER SERVICER BY THEM BACK IN XXXX OF 2020 ... .I always made my payments on time, see attached proof of payments made in XX/XX/XXXX checks even and XXXX when they stated they transferred my mortgage to the new servicer whom I also paid in XXXX. HOWEVER, Shell point FAILED to post my payments correctly on my credit report even though they deducted them from my account, and they failed to post the balance to {$0.00} even though they received full payment from the new servicer of the mortgage note .... this has been damaging to my credit for 8 months now ... My numerous attempts to resolve this issue with the Morgage company went ignored only causing them " confirm the accuracy of this account '' to the credit bureaus that went on to lower my credit rating further with each bureau .... 
this is unacceptable and my consumer rights have been violated greatly ... 
https : XXXX/www.consumerfinance.gov/rules-policy/regulations/1024/33/ # a
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX MA XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor.

1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau XXXX I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

PRO COLLECT, inc Act - XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a redundant or repeat complaint. 

XXXX refuses to provided information : ID verification, application information for a loan that they claim I applied for in 2013. 

They do not respond to phone calls and there is no way to get through to them to handle this issue. 

I am including yet another police report that I had to refile as the previous was sent to them years ago. 

There is no way to contact this company and the phone number listed in their responses goes unanswered. 

They have listed multiple amounts due for a loan not owed. The bank drafts were disputed and refunded by my bank. This has been an issue for 6 years and the company refuses to address it.