23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX calling and contact more than 7 times in 7 days. 
Taking pictures of property windows and asking to replace ( these were in the same condition as when lease was signed ). 
Threatening security deposit withhold for a lease to own property that had pre-existing damage documented by former tenants. 
Awaiting unemployment funds and can not pay what I do not have, harassing does not help.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below StellaFinanceInc 01.09.24 {$1100.00} This credit account is the results of identity theft and fraud
Product: Vehicle loan or lease

On XX/XX/XXXX I finance a car loan with Citizens Bank with an credit score of XXXX they gave a APR for 6.15 % for 84 months.The loan amount was XXXX my monthly payment was {$590.00} I refinance with XXXX XXXXXXXX on XX/XX/XXXX with a better interest rate APR 2.59 % for XXXX months. When XXXX XXXX paid off my balance I called Citizens Bank in reference to a refund of a partial refund for the Gap Insurance that I was included in the loan which was paid {$1000.00} dollars. They told me that I dont get no refund that according to Wisconsin Law they applied the partial payment to my balance that had reduced the payoff balance. I have been calling several times throughout the year trying to resolve this issue. I kept getting the runaround. 
So in XX/XX/XXXX I still didnt understand why I havent received a check. I spoke with customer service they explained to me why I didnt receive any money back. This time I finally requested an copy of my payment history. 
When I received the papers in the mail I notice that they applied an substantial amount of my car payment toward the interest instead of the principal. My first car payment of XXXX was due XX/XX/XXXX I paid on XX/XX/XXXX {$600.00}, {$280.00} applied to principal {$310.00} applied to interest Principal {$40000.00} XX/XX/XXXX {$600.00}, {$300.00} applied to principal {$290.00} applied to interest Principal {$40000.00} XX/XX/XXXX Payoff from XXXX XXXXXXXX {$39000.00} Principal applied {$40000.00} interest applied {$190.00} Fee/other paid {$960.00} principal balance {$960.00} XX/XX/XXXX rebate credit transaction {$960.00} fees/other {$960.00} Principal balance XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act everything has to be XXXX percent accurate on my consumer report the credit agecnys and its furnisher stated that the account was properly reinvestagated and verified, XXXX XXXX XXXX XXXX # XXXX, still reporting inaccurate court name, address, and docket number. Clearly has violated my rights -15 U.S.C 1681c ( A ) ( 1 ) Information excluded from consumer report except authorized under subsection ( b ) of this section no consumer reporting agency may make any consumer report containing of the following item of information, case under title 11 ( United States Code ) or Under the Bankruptcy Act, that from the date of entry of the order for relief or the date of adjudication- 15 U.S.C. 1681section 604 ( A ) ( ( 2 ) it states a consumer reporting agency can not furnish a account without my written consent- 15 U.S.C. 1681 States i have the right to privacy-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 resonable cause to believe that the informaion is inaccurate
Product: Credit card

I am locked out of my account. The credit card company will not let me see my statements, make a payment, see my rewards and many more personal things. There might be a possible error in my statements I need to correct. As the consumer it is against the law to lock the consumer out of their account.
Product: Bank account or service

I called the bank. They told me I had fraud on my account, so they locked me out. I can not access my account funds to pay my Bills ( I even asked if I could just close the account ). Now every time I call they want to over authenticate me. I have told them that I would get on skype with them and show them my face and my ID ( Drivers license ) in person. I do n't trust their authentication methods to begin with because it seems that they failed to protect me when they where suppose to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX They show on my credit report that my account was closed on XX/XX/2018 and was included in a chapter XXXX bankruptcy. But, they have the account type listed as " Open Account ''. That is inaccurate. It has resulted in points coming off my credit score that should not have. I have disputed it unsuccessfully with both XXXX and Equifax. They have been emailed by my attorney. At this point what they are doing is deliberate and malicious. I want the account type to be corrected and show that it is closed or for the account to be deleted from my report. Can they not be fined for deliberate malicious harassment?
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b 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. I NEVER gave Transunion, OR the below listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the inaccurate and delayed reporting of my mortgage account to your credit reporting agency. I have recently reviewed my credit report and noticed that my mortgage payment history, specifically for the following months was not reported accurately and as a result was reported late. 
30 Days Late : XXXX, and XXXX 60 Days Late : XXXX, and XXXX My mortgage account number is XXXX, and I have always made timely payments in accordance with my agreement with Rushmore Servicing. However, despite my consistent payment history, this information does not appear to have been reported to your agency in a timely manner. 
The inaccurate reporting is resulting from XXXX XXXX XXXX XXXX incorrectly collecting property taxes. They have finally corrected the escrow analysis, and updated my payments, but have yet to credit the overage from XXXX XXXX. XXXX XXXX has already sent the refund back to XXXX XXXX, but XXXX has not applied the credit to may account. Each time I make the correct payment, they are not applying the payment to the monthly amount due, which is further causing more lates and more service fees to be added. Attached to this letter is my proof of payments, Communication with the County on Tax Credit. I can provide the emails, but will need the ability to forward them to you directly. 
The failure to accurately report my mortgage payments is negatively affecting my XXXX XXXX and is not reflective of my financial responsibility. As a result, I am requesting that you investigate this matter immediately and update my credit report to reflect my true payment history. 
I also kindly request that you provide me with written confirmation that this issue has been resolved and that the late payment ( s ) are corrected on my credit report. 
Please consider this letter a formal request for an investigation and correction, as required under the Fair Credit Reporting Act ( FCRA ). I expect this matter to be resolved promptly and for my credit report to be updated within the legally required 30-day timeframe. 
Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. 
Sincerely,
Product: Student loan

I went to the University XXXX XXXX and have student loans through Discover. I have recently contacted them to get a lower monthly payment since they want more money than I pay in rent. The told me I could split my payment which is not helpful. Then the executive at Discover told me to contact a lady that specializes in repayment and I have yet to get a phone call back, not to mention the fact that I get XXXX phone calls a day harassing me for money.
Product: Mortgage

In XX/XX/XXXX I called XXXX XXXX XXXX XXXX to ask how I go about going for a XXXX mortgage, I was then transfer to a XXXX XXXX I told him what I was looking to do and he asked me to send him my last mortgage statement a drivers licence and SS card which I did. I never heard from XXXX XXXX again. I was being sent emails from a XXXX who would send me documents and I first saw that my new mortgage was about XXXX XXXX which was about 6,000.00 higher then my existing mortgage the monthly payments would decrease about 100.00 dollars. I told her that was not acceptable I read that on a XXXX there would be not costs. She said she would check on that and get back to me, I agree and wait. Her next email was the new mortgage would be approximately XXXX and my monthly payment decreased almost two hundred dollars. I asked about my escrow and she told me XXXX XXXX XXXX XXXX would issue a check to me, and I did not a payment foe XXXX. The next email was they would send a notary to my home on XXXX XXXX XXXX. This was the first time I realized XXXX XXXX XXXX was not the Mortgage company. When the Notary who came to my home was explaining all the doc 's to me I asked her about my escrow account she went over the seller and buyer doc and explained the escrow was removed from one column and added in the other the old escrow would be sent to me directly. On XXXX XXXX XXXX a check came from XXXX XXXX XXXX XXXX for XXXX. there was XXXX  in my escrow account. When I called XXXX XXXX XXXX the told me that Loan Care shorted them their mortgage payment that was due and the took what was needed from the escrow. I ca n't imagine why a XXXX mortgage wold cost me XXXX
Product: Credit reporting or other personal consumer reports

After looking over my credit report and looking into the consumer laws Ive found plenty of information that wasnt allowed and wasnt correct on my consumer report I seen that XXXX XXXX XXXX  in the amount of {$490.00} date opened XX/XX/2022 account name XXXX XXXX XXXX  XXXX XXXX looking over the laws set in place congress are as said 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 U.S.C 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 section XXXX A. Section XXXX : it also states a consumer agency can not furnish an account without my written instructions. 

U.S.C 1681c ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( a ) ( XXXX ) 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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be XXXX percent accurate. 

15 U.S.C 1681 ( a ) ( XXXX ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.

15 U.S.C 1681 ( XXXX ) ( b ) Civil liability for knowing non compliance. Any Person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to a consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater. 

The law states also XXXX I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and XXXX has set certain laws in place I would like to send over a XXXX XXXX also the form XXXX and XXXX oid ab also the XXXX and the XXXX as they are now banned from calling me or faxing me I am also sending them over a true bill under title XXXX and they have now violated title XXXX as if they are above XXXX and under title XXXX you violate me any further I can sue you as I dont not owe third party debt XXXX anything XXXX law XXXX edition title XXXX as what I thought was loans where actually deposits 15usc 1692 c ( c ) XXXX ( a ) and ( b ) XXXX ( XXXX ) Please XXXX also states false representation.im also sending a tire bill immediately if this isnt resolved asap.
Product: Mortgage

Hello, I would like report a shady mortgage company that has apparently acquired the interest to my mortgage debt. PHH Mortgage purchased my loan from XXXX less than 2 months after our most recent refinance. We had never even heard of the company, but suddenly we were having to deal with them. The URL listed on their mail did not resolve and sounded like a scam address. They continue to email and mail me without any unsubscribe method. Their CEO calls me and leaves enthusiastic voicemails about the refinance market. Its obviously a mass call. Surely there must be some recourse : we did not choose to enter into business with this company, now we have to open their spam letters and calls without any unsubscribe method.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

I had to file XXXX XXXX bankruptcy in XX/XX/XXXX because my husband was terminated from his job and I could not pay all of the bills on my income alone. He applied for Unemployment but was denied. From XX/XX/XXXX - XX/XX/XXXX my hours were decreased due to COVID-19, and from XX/XX/XXXX - XX/XX/XXXX I had XXXX income due to me having to go on FMLA. I fell off payroll and did not receive a paycheck for months! On XX/XX/XXXX I received a call from Nissan saying they were coming to repossess my cars because my bankruptcy has been dismissed! I had NOT received any notification from the bankruptcy courts nor my attorney stating this. I received a notice from 2 different attorneys for Nissan. I did not know which one was the correct one I needed to contact. However, my bankruptcy attorney stated HE or the bankruptcy courts is ONLY supposed to communicate with all creditors once I hired him to represent me & file my XXXX XXXX, that Nissan was NOT supposed to contact me. I assumed the past due balances were included in my XXXX  XXXX fees, because my payments went from {$140.00} per month to {$400.00}!!! However, I thought my forbearance for financial hardship due to COVID, did not expire until XX/XX/XXXX. I was terminated from my job in XX/XX/XXXX & I applied for Unemployment, while waiting for a hearing date to do an appeal to try to get my job back. My household currently has no income & I need help with my car notes, mortgage, and all other bills. My XXXX  XXXX was converted to a XXXX  XXXX and the case was DISCHARGED in XX/XX/XXXX. I received notification from the bankruptcy court/trustee that a payment was sent to Nissan. However, in XX/XX/XXXX or XX/XX/XXXX XXXX sent a repo company to come get my XXXX. We were in quarantine due to a family member testing positive with COVID, and we also had a death in the family! They did not care and they sent me a paper stating although they repoed the car, I still owe them {$27000.00} ( which is MUCH higher than the blue book value )! My attorney stated the courts released and/or discharged me from ALL of my debts and they were notified. Plus, they received a payment directly from the courts that was not applied towards my loan, and was NOT refunded to me... therefore, because they did NOT give me an option to refinance the car, or pay what was past due, and they immediately came to get the car that I DO NOT owe them ANYTHING! The account is discharged/paid in full!
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX  Original creditor XXXX FOR XXXX XXXX  Last activity XXXX Balance $  XXXX  Monthly payment {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last activity XXXX Balance $ XXXX Monthly payment {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last activity XXXX Balance $ XXXX Monthly payment {$0.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX  Last activity XXXX Balance $ XXXX  Monthly payment {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last activity XXXX Balance $ XXXX Monthly payment {$0.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Last activity XXXX Balance $ XXXX Monthly payment {$0.00}
Product: Checking or savings account

I am filing this complaint to express my concern regarding an unresolved issue with fraudulent charges on my account. On XX/XX/year>, I noticed unauthorized transactions on my account, specifically from XXXX however these particular charges was not done by me being as though I lost my card in the area that day. 

Despite promptly reporting these charges on XX/XX/year> and submitting all required documentation, I was assured that the charges would be investigated and that I would be reimbursed for any proven fraud. However, as of today, XX/XX/year>, these charges remain unresolved and the bank has deemed them to be accurate. These charges are not accurate. 
This delay is causing significant inconvenience and financial stress. 
I appreciate your prompt attention to this urgent issue.
Product: Mortgage

I pay my Insurance and taxes separately, they placed an escrow account, raised my payment, and refuse to remove even thought I have nnumberioulsy submitted proof of payment. They are reporting me delinquent, killing my credit score and creditor 's have closed my large account and cut my Credit limits destroying my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED ON NUMORUS OCCASIONS A PHYSICAL VERFICATION OF THE ORGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSCAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOTCONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIEDINVALID ACCOUNTS MUST BE REMOVED. XXXX, XXXX, EXPERIAN HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOS REPORTING OF FRAUDUELT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being.

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards.

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you XXXX  days from now to address this matter and provide me with physical proof of your actions and my updated credit report.

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect CurrentAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.