23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have been trying to get my credit information for 4 day in a row. I have been on every site and even called customer service who told me to go one the sites and try again so I did .. but the same information came up .. can not authenticate .. so my wife tried to get hers and it said the same thing.. I talked to customer service again .. having a hard time understanding them and asked them why do n't they have access to any of my information and they said they were not equipted .. I think that it is very stupid to have a customer service department that can only advice a person to do the very thing that they were doing in the first place..I think that it is very bad practice by those companies that tells people they can get their credit information on line for free .. it is a false statement or in my own words a bunch of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Reporting agencies Failed to do a Proper investigation. You Recently verified XXXX XXXX XXXX XXXX ( XXXX ) account number XXXX as XXXX percent Verified Accurate. With all the errors on my report its not possible a investigation was done. 15 usc 1681i I've also seen on my credit report inconsistent information among the three different Credit Reporting Agencies. 

XXXX XX/XX/2022 reported 90 Days Late, Transunion reported nothing, and XXXX nothing because the account was Removed. How can you be 90 Days Late XX/XX/2022 XXXX without prior being 30 Days Late and 60 Days Late. It is impossible. This is inconsistent and incomplete. 

One of the most important is the " Last Activity '' so we as consumers know when a account reaches 7 years. Its impossible to Trust the CRA 's when Transunion or XXXX does not report a " Last Activity '' and XXXX deleted the Entire account. 

Again how am I to trust XXXX XXXX XXXX XXXX ( XXXX ), Transunion, XXXX, and XXXX to act in good faith? Please remove because the " High Balance '' is reporting three different amounts. There is no way this account was properly verified Accurate if Transunion reported " {$25000.00} '' and XXXX reported " XXXX '' and XXXX Removed account. 

The Payment History is Incomplete rating with Years of positive payment history missing. 

XXXX has changed the " CO '' date to XX/XX/2022 and Transunion reported " NR '' 15 USC 1681a 2 ( B )
Product: Mortgage

At the end of XXXX, I noticed on the NationStar website that my mortgage payment was to increase by {$1200.00} for the XXXX payment. My mortgage payment was going from {$2200.00} to {$3500.00} from XXXX to XXXX. When I looked at the escrow I noticed that they charge me twice the PMI amount for a couple of months. I also noticed that they estimated that the county and city taxes will be paid twice a year instead of once a year. When I called them to bring it to their attention, they also let me know that they had the wrong parcel number for my home. Next, I demanded that they re-submit an escrow analysis because the increase was ridiculous. They are refusing to do so until they get updated information ( which I do n't see them lifting a finger to get ). I 've been fighting to get them to update my escrow analysis for 2 weeks now and every time I call them I have to start over. Now I 'm having to run around and collect all the necessary documents because they are just going to stick with what they have even though the numbers do n't make any sense.
Product: Debt collection

On XX/XX/2015 I paid XXXX XXXX XXXX {$2200.00} for a account for wells fargo ( original account number XXXX ). Since that time I have had over 20 different collection agencies calling me threatening to sue me for this debt. When I contact Wells Fargo they have no knowledge of the account because of the age of it. The recent company XXXX XXXX XXXX phone number XXXX contact me on yesterday and was very rude and told me legal actions will be placed against me for this matter. 

This wells fargo account is outside of the statue of limitations to be collected on plus I paid it. This account does not show on my credit report at all. Can wells fargo or any collection agency collecting for them cease the harassing phone calls and the threats asap.
Product: Credit reporting or other personal consumer reports

My account withXXXX 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 those account 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 Never Sent the periodic statement along with the disclosures from section XXXX37 ( 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: Debt collection

Date of Installation : ( at current address ) XX/XX/XXXX XXXX Number : XXXX ( which is supposed to be closed due to a change of address ) XXXX ( my current account that they gave me after the move ) The money I paid XXXX : $ XXXX ( for service ) {$1000.00} ( for equipment ) {$0.00} balance due as of XX/XX/XXXX ( see attached ) XXXX has been harassing me for {$500.00} for an account that is supposed to be closed. I have called them multiple times about the matter, and they have been no help to me, because they keep lying to me over the phone stating that the account is closed and wiped. 
I even showed them proof that I sold the house and no longer lived at XXXX XXXX XXXX, and I also attached the closing disclosure of the house to show proof that I'm no longer at that residence. No matter how many times I call them and tell them that I don't owe them money on a account that is supposed to be closed, they still don't hold up on their end and close the account, they just keep charging it. Now they have sent a total of {$710.00} to a debt collector, Sequium Assets Solutions, LLC, which is detrimental to my credit score, because it looks like a delinquent that doesn't pay my bills. I have attached a full story of the mayhem XXXX is putting me through in a file named : XXXX XXXX XXXX XXXX  Claim ', and you are free to post it on your site as a complaint as well. 
I can also give any further information needed to rectify this situation.
Product: Credit reporting or other personal consumer reports

The credit union used artificial intelligence ( XXXX ) to covertly listen in on my conversations with Navy Federals customer service representatives. I was never told that my conversations are being monitored and analyzed by bots, neither did I consent to this type or secret recording. I was required to share private information like social security numbers and bank account details. Navy Federal has used this information to freeze, cancel all of my accounts- adverse action.
Product: Money transfer, virtual currency, or money service

I was using my venmo account like normal and verified my social and id i received money from a friend of mine and when i tried sending it to my bank it didnt let me. i contacted support and they said my account is closed and i have to wait 189 days to take it out
Product: Credit reporting, credit repair services, or other personal consumer reports

( XX/XX/20 ) My mother called The XXXX XXXX/XXXX to remove me as an authorized user as I have never used this credit line or activated any cards and this was negatively affecting my Credit Score. 

( XX/XX/20 ) The XXXX XXXX/XXXX  removed me as an authorized user and my XXXX XXXX shot up over 100 points. However, Experian and XXXX did not reflect the recent change. I was able to contact XXXX through their website and able to dispute this which they gladly removed it, and the score soon reflected that change. 

I am in the the process of refinancing our home as my husband has lost his job due to COVID-19 and we can barely make ends meet on a nurses salary. I need a good score to refinance so we can keep our home. On ( XX/XX/20 ) the loan company revealed my scores : XXXX XXXX, XXXX XXXX, and Experian XXXX. 

I tried to dispute it online through the Experian membership but it is not available to dispute nor could I get through to speak to a representative at any of their numbers. Please help me to get Experian to reflect my proper credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 someone applied for credit through XXXX  XXXX. Under my maiden name. Which obviously I dont use as its no longer my name. I called XXXX XXXX they said they would remove it they also inform me that I need to call XXXX XXXX XXXX and Experian to report the fraud and to also lock my accounts. XXXX was the most difficult they refused to remove it even though I am a victim of identity theft. The all said that I need to have a police report I dont even know how to go about getting a police report for something that wasnt even in my state.
Product: Mortgage

1. I have a mortgage with ditech 2. Ditech is charging me more than is required to pay the loan. 
3. Ditech is charging me more than {$37.00} in excess of the proper monthly payment. 
4. I paid Ditech {$1000.00} with instructions to apply to my escrow account. Ditech has categorically refused to apply this funds to escrow account. 
5. Starting XX/XX/2018 Ditech again increased my monthly payment to another {$70.00} per month without any reason. 
6. Ditech is charging interest on actuarial basis without my approval and prior agreement.
Product: Credit reporting or other personal consumer reports

Law 15 - USC 1666 B XXXX XXXX has my account in collections. This in inaccurate and l want this removed immediately from my credit report. 

XXXX XXXX has 2 accounts in collections. This in inaccurate and l want this removed immediately from my credit report. 

XXXX XXXX 2 accounts in collections. This in inaccurate and l want this removed immediately from my credit report. 

XXXX my account in collections. This in inaccurate and l want this removed immediately from my credit report.
Product: Credit card

Citi cards is refusing to credit and close my account after they cashed my cashiers check for XXXX. Two days after cashing my check for the account the company then asked for a payment of XXXX and charged me for fees and interest. I told them this is unethical practices. 

Citi cards reconciled the check on XX/XX/XXXX and they still had not credit my account on XX/XX/XXXX. 

On Saturday, XX/XX/XXXX I called while I was in the bank to make sure I had all the correct information. The bank then printed out the screen that had the reconciled date on it and the image of the check. I am at work and can not add that currently but will be able to do so later tonigh. 

They still have not credit my account and it has been 7 days since the company cashed my cashiers check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 

XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX  XXXX  Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 Onemain Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

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

On XX/XX/XXXX I was granted a divorce and in that divorce my ex husband was responsible for his indebtedness to Navy Federal Credit union. He is solely responsible according to the state of Indiana where I am a legal resident and also XXXX XXXX where I am a resident. I reached out to navy federal credit Union on multiple occasions. I filed disputes with XXXX, XXXX and XXXX XXXX. XXXX XXXX unfairly refuses to remove my name from the debt. Even before the was an official ruling there was a temporary ruling assigning my ex husband initially responsible, XXXX federal did not want to hear it. That was XX/XX/XXXX. It is majorly impacting my credit score and has been for years. My ex husband chooses not to make payments regularly regardless of his obligations and it has impacted my ability to own a home for the XXXX children he has abandoned and does not consistently financially support. It is beyond unfair for XXXX XXXX to continue to negatively impact the quality of my children 's lifes for the neglect of their father, I am the only parent they have and I can not afford a home with such disregard for Indiana state law. XXXX XXXX has demanded I make the payments myself if I want the debt removed from my credit. THIS IS NOT MY DEBT.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed some information that does not belong to me.
Product: Debt collection

I will not be legally forced to pay RELIANT CAPITAL SOLUTIONS through the " Shared Services of Alaska '' system. I can and will pay my debt through Alaska 's courtview system or directly to the State. Since RELIANT has already stopped the collections process and told me to pay through courtview, they are now required to take all of my information out of the system.
Product: Debt collection

Back in 2012 I live in XXXX XXXX XXXX and I was evicted and they tried to sue me for XXXX and we went to court and the judge awarded them XXXX and told them that are all I owe them. I have tried to pay them this amount and they refuse the payment numerous occasions. They went as far as to tell me that they do n't care what the judge said they want the higher amount. The funny the company Resident Collect says they represent XXXX XXXX and I talked to XXXX and they told me they sold the debt to them and told them about the court case. In the process of dealing with them the woman has been rude yelling and went as to tell me to shut up and hang up in my face at one point. I eventually had to hire a company to stop the harassment and to deal with them and the company said that were met with the same rude behavior.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Medical debt on equifax shows XXXX. I paid it to be below XXXX. XXXX  balance shows XXXX for the same debt. I disputed it and they said the balance was correct. I provided proof of payment and because it's medical should be removed. The did neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 2 credit inquiries that I did not authorize. I am writing to dispute the following inquiries and ask for their removal from my credit report : XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX  XXXX XXXX Balance {$970.00} XXXX  XXXX XXXX Balance {$3000.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXXXXXX Balance {$6300.00} XXXX XXXX XXXX Balance {$5600.00} XXXX XXXX Balance {$3300.00} XXXX XXXX  XXXX Balance {$850.00} Bankruptcy chapter XXXXdischarged XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

There are several items on my credit report that I have no knowledge of, and do not belong to me. These items are having a negative impact on my credit report. Since I have no knowledge of these accounts ; I am asking you to investigate these items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that these items be removed immediately and my credit score be adjusted accordingly. In addition I am requesting a copy of my updated credit report reflecting these changes be sent to me immediately. I appreciate your attention in this matter.
Product: Debt collection

Back in XXXX I received some old forwarded mail from an address I have not lived at for a long time. Included was a collection letter from Credit Protection Association, LP stating I owe money from sold old toll bills. 

The license plate number listed on their letter is not mine. 

I attempted to contact them several times but they refuse to give any contact info other than where to send payments. I finally was able to find an email address and when I emailed them they replied that I should contact the DMV and the NTTA to find out why they were given the wrong license plate information. 

Clearly they do not understand federal law under FDCPA requires them to validate the debt and does not require me to find out why they have incorrect info. 

I have continually asked them to validate the debt and they refuse. 

They also can not even spell my name correctly on their collection letters
Product: Debt collection

Upstate collection center inc. 

The collection company calls me 5-10 times a day, I called them to see if I can come to a amount to agree on since the amount they are trying to collect is invalid and is all fees they charged, at that point the collection argent got very rude telling me I have to pay the whole thing I asked again if we could agree on something since the amount is not right, she continued to get hostile I then said to stop calling me and making any contact to me and my wife she then said thats fine we will continue to call your wife I said no I just said we dont want any contact its my debt and you need to stop calling she then threaten to sue me so I told her she can go XXXX her self and to not call me again. I dont feel I should be harassed and threatened expcialy when I have explained to them that my income falls under income that cant be garnished and there still threatening me. Something really needs to be done about this company when I look them up it comes up as perminatly closed
Product: Debt collection

RentDebt Automated Collections illegally committed multiple violations against my consumer rights. Attached is a copy of mailed correspondence to the company making them aware of my violated rights as a consumer, and owed remedy via invoice for my injuries due from their violations.
Product: Student loan

Writer is co-signer for private school loans, 5 in total, which all are set to go into repayment at the same time- after the standard 6 month post-graduation grace period ( XX/XX/ ). Due to an error on the company 's behalf, one loan out of the five is listed in repayment status several months early. The primary on the loan has had many conversations on many different occasions with many different individuals to fix the issue, and has provided verification of both XXXX and XXXX graduation dates from the schools as requested by the company, however the issue has not been rectified. The last person to assist by not assisting, stated that it went into repayment therefore, they could only put it in a 'return to grace ' period, for which interest would still accrue ... ..even though it was their fault and should never have been in repayment in the first place. Which basically boils down to, we are paying extra money for their mistake which they have refused to properly rectify, despite multiple attempts on our end to fix by going out of out way to provide verifications directly from the schools. No action has been taken by the company to address their mistake. Their continued mismanagement of our school loans could not only cost us more money, but affect our credit scores and cause financial hardship. What's worse is the incompetence of customer service in not being able to address and correct what could likely be fixed in minutes with the stroke of a computer key or two. At each communication we've been assured it would be fixed, yet here we are being threatened with due dates and late payment fees, etc ....!