23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Despite my account being current, a week before the inspection, my Mortgage servicer charged me an inspection fee, which was not mutually agreed upon, nor was a prior notice sent to me. They state the inspection happened on XX/XX/year>, and I had no visitors to the property that day, nor do I have anyone on video. The company will not provide the time-stamped photos that were supposedly taken that day. 
Cross Country Mortgage continually refuses to provide information regarding my mortgage servicer, stating they are the servicer. According to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is the servicer. XXXX XXXX is a XXXX for XXXX. After some back and forth with an online agent, I was able to get enough information about the company the VA has on file. My concern regarding the refusal to provide this information is they might be defrauding the XXXX XXXX XXXX XXXX XXXX in order to financially harm XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Student loan

I 'm having complaints with Navient, XXXX XXXX or whatever the heck they want to call themselves these days. As I previously informed you, they have consistently misapplied my payments since I originally took out loans in XX/XX/XXXX-XX/XX/XXXX, see Case number : XXXX. Originally, they had just the private loans, but they later took over my federal loans as well. Since XX/XX/XXXX they have misapplied my payments on my various loans numerous times and take forever to rectify the situation. This most recently happened in XXXX XXXX. Although I paid the loans timely, they call my mother who only cosigned for XXXX student loan ( not even a federal loan ) and insist she pay all XXXX ( which I have already paid ). Interestingly, somehow all of the misapplication of funds go to the lowest interest loan, ( How do the misapplications never credit the HIGHEST interest rates loans???? Does that seem strange to you? I sure seems strange to me. ) Despite numerous emails and phone calls takes WEEKS to rectify the situation. Well that was done and I was willing to let sleeping dogs lies, because it 's par for the course for them. However, TODAY ( XXXX ), I get a letter informing me that they have MATERIALLY ALTERED THE LOAN TERMS without ever asking for my permission or consent. Specifically, they have DOUBLED all of the interest rates AND while I was due to pay off certain loans starting in XX/XX/XXXX ( i.e. ONE YEAR!!! ), they have now decreased my payments by approximately XXXX, WHILE INCREASING THE LENGTH OF THE LOANS BY 20 XXXX YEARS!!!! TWENTY XXXX YEARS?!?!?!?!? What. the. WHAT? @!!?! Seriously?!?! The loans were originally set to be paid off starting NEXT YEAR! This means a payment of $ XXXX decreasing to around XXXX/month next year ( so approx {$30000.00} total ) is now $ XXXX/month ( is now {$66000.00} total ). I 'm a " good '' risk, they know I 'm going to repay ... see what they are trying to do? bilk me for the TWICE the amount!? Might I repeat, I have not had difficulty repaying ANY of the loans, despite THEIR misapplications, I HAVE NEVER PAID A LOAN LATE!!! I have never asked for this? HOW IS THIS LEGAL!?!?? By this Complaint, I seek redress in the following ways : 1 ) Go back to the terms I agreed to, 2 ) Stop MATERIALLY changing the loan terms WITHOUT MY CONSENT, 3 ) Apply my payments properly AND PROMPTLY, 4 ) STOP with the questionable collection practices, my mother is elderly this is abuse of her and you should at least ATTEMPT to speak with the loan holder FIRST, 5 ) Stop with the shenanigans, do their darn job and honor the agreement as initially set forth, and 6 ) for crying out loud, BE ETHICAL -- PRETEND you believe in the decency of man ( god knows they make it hard for me to believe that anymore, but I AT LEAST TRY to treat people fairly )! I know there are a lot of people defaulting on loans, but I 'M NOT ONE OF THEM. Stop treating me like XXXX because you know I 'll repay. I 'm sorry but I AM FED UP! How would YOU feel if this had been happening to you for the past TEN ( 10 ) years?
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, On XX/XX/XXXX and XX/XX/XXXX my XXXX  credit profile was pulled twice. That resulted in 4 hard inquiries on my credit report from XXXX. 

I am purchasing a house and this does not reflect positively and I am trying to fix this issue. I called the credit bureau and was advised to get a letter from Mercedes Benz Financial requesting that 3 of the inquiries be removed immediately. 

The letter was sent by certified mail on XX/XX/XXXX and received on XX/XX/XXXX. 

On XX/XX/XXXX I received a phone call from Mercedes Benz Financial Services stating that the credit pulls were valid. The representative stated that the Dealer should have explained that they pull my credit, then send my information to Mercedes Benz Financial Services who pulls it again. I stated that the dealer did not indicate that MBFS would pull my credit again and since they are affiliated can they send me a courtesy letter that I can send to the credit bureau requesting that 3 of the inquiries be removed. They declined stating that the 4 pulls that happened for one loan over a 2 day span was valid. 

I find this highly unreasonable as I would not be able to get a loan with them if I had bad credit and pulling my credit 4 times is definitely hurting my credit rating and scores for 2 years!
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy 15 USC 1681b 2. They also have no permission to rep ANYTHING using my info pursuant to 15 USC 1681 4.
Product: Credit reporting or other personal consumer reports

I realized that my credit was stolen when I got a call from XXXX XXXX XXXX requesting that I call them back regarding a credit card application I applied for due to me having an alert on my credit account asking that I be contacted prior to anyone opening credit in my name due to fraudulent XXXX XXXX XXXX credit card being opened in XXXX of XXXX. I then looked at my credit report and noticed a few credit checks and called the banks on XX/XX/XXXX to let them know they were fraudulent and to not process those credit applications and then froze my credit. I was able to reach XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX before they approved the applications and they were all marked fraudulent. These are all still marked as hard inquiries on my credit report even though they are marked as fraudulent. I have been unsuccessful removing them from the creditors via dispute and contacting the credit card companies directly. The hard inquiries on my report from XXXX XXXX XXXX are XX/XX/XXXX and XX/XX/XXXX ( from when the unauthorized credit card was opened ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DEVILLE MGMT ( Original Creditor : XXXX XXXX  ) and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DEVILLE MGMT ( Original Creditor : XXXX XXXX ) and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

Citi cardsswitched me to electronic billing in XXXX 2016 to save the trees. However, they didn ; t send us a single statement after this either electronically or by mail. Since we pay bills through our credit union, Citi card payments have been steady and paid every single month. We could not get the eBill function to work like with every other lender, but it didn ; t seem to matter until today. I got a call from one of their collectors, and Citi was " getting the payment a day or so late each month. '' For this, we have been charged {$26.00}, and {$37.00} a month for as far back as I could look. I had no idea because we can ; t seen to get through to them electronically, we do n't get statements, and since I 'm XXXX XXXX XXXX - it does n't do a lot of good to call them. Their collector demanded to know where our payment was. I looked at XXXX and saw the payment was posted late last week, but because it does n't post immediately, here comes another late fee. And since we never saw the updated card agreement, how can they legitimately increase the late fees from {$26.00} to {$37.00} anyway? All while we send them {$200.00} or {$250.00} a month? This is wrong on more than one level. Also, how can they call my cell phone at work when I never authorized them to call my cell phone? Why ca n't they just send me a letter???
Product: Mortgage

I bought a time share with a deed at XXXX XXXX XXXX in XXXX VA, the mortgage is held by a company called Equiant. I make my monthly payments plus an additional principal payment each month. In the past they did n't apply the additional principal payments properly so I always check my statements carefully. I found that in XXXX of 2017, they did n't apply any principal from my regular payment ( it would have been a smaller amount due to the number of days between payments, but that is n't the point here ). When I called and asked about it they told me that there must have been a glitch in the computer system and that there was nothing they could do about it. I asked them to go back and make an adjustment and they again said there was no way to do that. I spoke with XXXX and she spoke with her supervisor XXXX who confirmed they could n't do anything about that particular payment and I should just keep an eye on my future payments. Please look into this and help me and others make sure our payments are applied properly.
Product: Credit reporting or other personal consumer reports

For months now TransUnion is not allowing me to access my report online, once Im logged in it does not show me any information other than my name. I am also unable to freeze my credit score and it tells me to call, when I call the automated system says something along the lines of not being able to help, goodbye. And hangs up. This has gone on since XXXX regularly! Not being able to access my own credit report, or freeze it when I need to has caused detriment to me as a consumer and crippling my ability to get a credit card, auto loan or do anything I need to as the consumer in my own consumer report. I understand some technical errors happening now and then but this is everyday for 5 months. At this point something sketchy is going on and obviously not technical error. This needs to be fixed immediately and I need to be able to w my own credit report at my convenience.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report on XX/XX/XXXX. I've noticed that XXXX, Equifax, and XXXX are reporting inaccurate, duplicate accounts, different payment status, different worst delinquency, and reporting on a account that was closed XX/XX/XXXX. 
Account number XXXX XXXX XXXX XXXX  is reporting payment status for Equifax and XXXX as ( Paid or Paying as agreed ). While XXXX is reporting legally paid in full for less than full balance. This account was closed on XX/XX/XXXX. This account reported 30 days late on XX/XX/XXXX and a charge off after I closed it on XX/XX/XXXX. How is this possible that they reported inaccurate and incomplete information when the account was paid and closed months earlier. XXXX reported a 30 day late payment as well on XX/XX/XXXX after the account was closed. Now Equifax is still running this account as active in XXXX ( See Attached supporting documents ). 
I have sent a certified letter to this company on XX/XX/XXXX requesting that they send me the original contract. I never received any documents nor did receive any response in all this time. I am requesting that this account be DELETED from my XXXX, Equifax, and XXXX credit profile. They have violated FCRA and continues to do so as of today.
Product: Debt collection

Sent letter ( attached ) XX/XX/2018 No response or back up from debt reporting on my credit report XX/XX/2018 - Made a complaint to CFPB - CCS claims that they have no information and did not address - the debt which is reporting. Claims they are not handling. 

They reported CCS same company that claims they are not handling on my credit report once again - XX/XX/18 I have attached a picture of the line item on my credit report and the Derogatory contact info from my credit report. This is where the letter was sent, in XXXX the same information sent in XX/XX/2018 etc .... 

If CCS can not provide back up on the debt they are reporting it needs to be removed from all credit reports immediately. I feel I have done everything I can do to verify the debt. When you call all that is stated is balance due and I should know what the debt is for. it is my debt. Which is odd.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This isnt my account it has been reporting to this specific credit bureau and its not reporting on the others. I have a police report on file and it should have been removed.
Product: Vehicle loan or lease

I am a victim of a predatory loan. I bought a used XXXX XXXX XXXX for {$5500.00} in XX/XX/XXXX. I was told that with interest my total out of pocket would be approximately {$6300.00}. I signed the paperwork with Lendmark Financial as my loan provider. My monthly payments are {$230.00} which I have paid faithfully. Due to the pandemic, I was laid off from my job as a XXXX XXXX XXXX with XXXX XXXX XXXX. I called Lendmark to request a temporary moratorium while I wait for unemployment thinking I had very little left to pay on my debt. This was when I was informed that of the $ XXXX monthly payment ; that only {$63.00} a month was being applied to the principal. I was never informed during the initial sale that more than 50 % of my payment would be applied to interest. I am a XXXX year old man currently on a fixed income and this loan is creating an unnecessary hardship. I was duped by Lendmark Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Civil Liability A debt collector who fails to comply with any provision of the FDCPA is liable for Any actual damages sustained as a result of that failure Punitive damages as allowed by the court : In an individual action, up to {$1000.00} Inaclassaction, XXXX $ XXXX plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or XXXX percent of the debt collectors net worth, whichever is less Costs and a reasonable attorneys fee in any such action In determining punitive damages, the court must consider the nature, frequency, and persistency of the violations and the extent to which they were intentional. In a class action, the court must also consider the resources of the debt collector and the number of persons adversely affected Play some in a severe hardship Trans Union XXXX and XXXX are refusing to remove or update the incorrect information that they have in file I need someone to help me I was unable to get My home refinance do you say incorrect information on my credit report I keep calling them and they state they going to remove it and he never did I have send XXXX letters No response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer with XXXXXXXX XXXX  for over 10 years. All my information from personal to business is with the XXXX institution. So, when I open a new account as I did so many times before it was a surprised when I discovered that XXXX submitted my application with the wrong address. After correcting address with XXXX. I discovered it was updated to the CRA on my profile with the erroneous address I have disputed with XXXX. 

If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

Furthermore, This cause a derogatory to be reported in which I never knew about due to the erroneous billing.

Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following debt collection accounts : XXXX XXXX XXXX XXXX, {$960.00}, and XXXX XXXX XXXX, XXXX, {$12.00}, XXXX are fraudulent, unauthorized and dont belong to me. I have been receiving harassing phone calls daily at XXXX XXXX  from representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, using abusive and profane language against me, making death threats, threats of taking legal action against me, and threats of me going to jail and prison. I informed representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, that the debt and account is fraudulent, unauthorized and not my debt. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.
Product: Debt collection

The purpose of this communication is to advise the collector Hunter Warfield that the debt you are trying to collect do not, and should not exist, because I notified XXXX the manager at XXXX XXXX  XXXX that, I could no longer reside in the community, because of the fact that I was the victim of a car burglary, and I no longer felt safe, as a senior citizen living in XXXX. XXXX told me that I could live out my deposit if I cleaned the apartment, and this was done. 
I also told her was that I had came into contact with a criminal that I knew from my previous employment, at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and he had made a verbal threat on my life. XXXX told me, and I understood that she could not evict a person because of the fact that they had previous involvement in a criminal life style. 
Therefore, I told her that I would have to move, because I feared for my safety, and on the day that I moved I went to the office, along with one of two of my former co-workers and turned in my key. Several years later, I started getting calls from Hunter Warfield about a debt I owed to XXXX. This debt should not exist because I made sure that I took a witness with me for this specific reason, and he is willing, and available to testify in court if needed. 
As far as the criminal I did not take the time to find out if he was a resident at, or if he was visiting a resident in the community. I know that at my age, I was prepared, and had would have had to use deadly force to protect, against him, and I did not want a public trial, because this would have led to even more scrutiny, and me having to move again. Therefore, I would like the CFPB to publish this description of my response to Hunter Warfield claims, because I feel that, if there was a problem with my actions, XXXX should have stated them to me when I turned in my key. if they continue with their unwarranted contact I am prepared to go to court with a witness to provide direct evidence of my lst contact with XXXX.
Product: Debt collection

Company refuses to send my receipt of payment to my email address per multiple conversations and being told it would be sent in 48 hours from payment ... .. They are refusing to provide proof of payment causing financial harm and preventing me from buying a house and causing me to loose the house I put an offer on ...
Product: Debt collection

Penn Credit starts  calling every day, never leaves a message but will call numerous times a day.   Previously they have asked for my father-in-law ( deceased since    2008  )