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

Ref : XXXX - Filed and Submitted to the CFPB on XX/XX/XXXX Starting in XX/XX/XXXX I requested the original loan paperwork from a new servicing company XXXX - this was after my loan was transferred from XXXX XXXX XXXX XXXX XXXX no payments were missed during this time and the payback period started as soon as the loan was disbursed. The company has not been able to provide the original loan information and is now listed loan as a variable rate. The account transfer was complete I started receiving monthly interest rate increase notices on a monthly basis, the letter mentions the interest rate increase is effective the day the letter was issued. When asked for the payment history company said that they have not been able to locate the payment history or paper work from the previous provider. 

FROM XXXX - XXXX XXXX XXXX On the Last Day the Complaint was Open - XXXX was XXXX to obtain the information from the loan owner because the documents are unavailable. We sincerely apologize for the inconvenience experienced as a result of the matter. Lastly, as a result of late payments, unfavorable information was submitted to the consumer reporting agencies for XX/XX/XXXX through XX/XX/XXXX. 

FROM XXXX - XXXX Dated XX/XX/XXXX ( Only Letter Received About Any Debt ) An attempt to change the loans XXXX rate to 0 % backdated to XX/XX/XXXX, in order to collect debt but no amount or other information is provided... 

The Letter States - " This letter is for Information Purpurposes and it not an attempt to collect '' At the bottom of the letter : " This is a communication from XXXX XXXX  XXXX, XXXX with may be considered a debt collector. "
Product: Credit card or prepaid card

I have a credit card with XXXX  for XXXX  credit, I been 24 months making my payments even with the pandemic that sometimes was very hard to pay, I was making my payments on time. in the last month, I call the company I make a XXXX dollar payment leaving XXXX more in balance I request an extension to make the final payment before the interest deferred expire, the costumer services answer me the phone told me if I can't make the whole payment the credit card will charge an interest for the balance remaining, unfortunately, I loose my job after 9 years working in the company, am an XXXX  right now also I request the mortgage company to help me with the payments in this hard situation, I trie to spoke to the manager from XXXX credit card, I explain the situation and I let them now that one of their agent give me a wrong information about the interest fee. they don't care and they don't show any consideration and charge me more than {$2500.00} interest fee in my account. I need help with this situation.
Product: Debt collection

I have never been a customer of XXXX  The only connection I have ever had with them was a phone call I made to assist my XXXX mother-in-law who had an account with them and that call was to close that account. 
She had called them to sign up for XXXX XXXX XXXXnd they sold her a XXXX cell phone that she could totally not use or understand how to use. She had it for less than three months before it was returned. 
Phone was returned by XXXX certified mail within the specified time and final bill was paid in full. ( XXXX XXXXXX/XX/XXXX ) Months later I began receiving bills for an unpaid balance. 
I filed a complaint with your Bureau re this issue Complaint ID XXXX closed XX/XX/year>. Within months of my complaint my credit score went from XXXX to over XXXX so I thought the matter was resolved. 
I am very upset that a year later I have to redo this process to dispute this claim against the same company!!!! 
Please make them stop harassing me!!!
Product: Debt collection

PORTFOLIO RECOV ASSOC has accessed my credit report on the following dates Date of request ( s ) XXXX XXXX XXXX XXXX XXXX I do not know anything about this company or any debt owed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Experian. I have repeatedly sent them several documents and several disputes on the address XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX. I requested verbally and in written form with their Fraud department to remove incorrect information as well as accounts that I have disputed. It is becoming a " tug of war '' exchange with Experian. They are violating my Consumer Rights by not correcting, updating, deleting or removing information that I have already proven does not belong to me.
Product: Mortgage

Fifth Third Bank denied me to make my loan current. Made me reorganization and increased my mortgage over 30 more years. They also broke into my home at least 3 times.

There is more attached They have escalated the interest 4=5 percent. Second I was denied to make my loan current They increased my loan has been increased to be a 62 year mortgage. I believe the XXXX. employees violated truth and lending practicing I am very upset they allow people break into my home and damage my property, I should have been allowed to keep my FHA loan. I would have matured this loan in 2022. 
I believe and my feelings Truth and Lending practices have been violated. I am also concerned this broke the laws like extortion, fraud, breaking and entering. etc I wonder how many payments that Fifth third has denied excessive payments and sending checks to me that have never been cashed. It is ridiculous. 
There is no way I should still have to pay them for 34 more years. I haven't even able to pay my loan and haven't even paid 50 % loan after 28 years. 
I also believe these employees and goals were to force me to change my mortgage from the FHA XXXX XXXX XXXX XXXX  was paid 2 {$800.00} payments and they never applied to my mortgage and their Manger was absolutely RUDE Second I already made payments. The bank does a horrible job accounting. They should never break into my home and demand be paid a second time {$2400.00} or they will foreclosure my property. So my payments should be probably 4-5 payments in advance I am also very concerned that their craigslist employees will try and break into my home and they will find myself in a life threatening situation Please see the attached documents I the consumer Financial Protection believes Fifth Third Bank should be sued I will be more then willing to help. 
Please only email me : XXXX or telephone Number ( XXXX XXXX XXXX. I do not want any snail mail. I was recently in the hospital for XXXX weeks and the XXXX   for four times and had XXXX XXXX XXXX. When healthy I am single and travel for business and do not want sail mail I also believe the employees names addresses city state zip and emplyee ID 's given to me
Product: Credit reporting or other personal consumer reports

I have no ties to these inquiries or the listed creditors.
Product: Mortgage

XX/XX/2020 Dear CFPB colleages, My husband and I recently refinanced our home with Navy Federal Credit Union. We closed on our refinance on XX/XX/2020. On XX/XX/2020 we receieved a letter from NFCU indicating that NFCU had completed a post-closing review of the final Closing Disclosure of our Loan ( Loan No. XXXX ) according to RESPA compliance. Noted in the revised Closing Disclsure ( date XX/XX/2020 ) NFCU indcated that {$1000.00} of LENDER CREDITS EXCEEDED the legal limits an dthat our cash to close should be {$1000.00} more that what we received at our closing on XX/XX/2020. I have tried to call the telephone number in the XX/XX/2020 letter for over one month and I have also sent numerous emails to NFCU and have never received a response nor a call back to explain the {$1000.00} charge which exceeded the legal limit. 

Thank you very much. 

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Cell : ( XXXX ) XXXX Email : XXXX XXXX
Product: Credit card or prepaid card

Upon checking my credit report with all 3 credit agencies. Found an open account with Kohls in my name. I never gave written permission to open the account. I have disputed this account with all 3 credit agencies and Kohls refuses to remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and noticed that Equifax unlawfully reported an unauthorized account ( XXXX XXXX XXXX XXXX # XXXX ) on my consumer report. I did not give written permission to Equifax to put anything on my credit profile. They had no permissible purpose by law to contact third parties with my private or personal information. I informed Equifax that their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. Because they have knowingly transferred, possessed, or used, without lawful authority, a means of identifying me. I asked for them to update my consumer report and send me copy in which they never did. I waited well over 30 days and I havent received nothing. Here is my tracking number : XXXX. Its been over 30 days. 

Equifax is not only holding me back from raising my credit score but reporting such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. XXXX inaccurate reporting have damaged my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/2018 XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card

In 2022, I purchased a XXXX XXXX XXXX XXXX XXXX ) from Ashley Furniture, consisting of four elements, for {$1900.00}. The amount was charged to my Synchrony Bank credit card. However, the bed was never delivered. Since then, despite multiple attempts to resolve the issue directly with the company, no action has been taken, and the charge remains on my credit card account. This ongoing charge has negatively impacted my financial situation for over a year. I am requesting a full refund of {$1900.00} + taxes and interest charges fee ( From Ashley to Synchrony Bank ) to resolve this matter.
Product: Credit reporting or other personal consumer reports

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

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.
Product: Debt collection

To Whom it May Concern : After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you this in 2019 account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to Medicare and Medicaid. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed an account that was not reporting accurately. I had 5 late payments on the account that was in fact paid on time from XX/XX/XXXX to XX/XX/XXXX. It also stating my last payment was XX/XX/XXXX but is being reported as 150 days pass due. The consumer report and agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates XX/XX/XXXX to XX/XX/XXXX. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX  XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding these payments be reversed to paid and on time as agreed and never late of the following accounts : XXXX Account Name : XXXX  XXXX Account Number : XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX TRANSUNION Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the XXXX negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint regarding some unlawful practices Ive experienced with TransUnion. I recently reviewed my credit report, and I noticed some inaccurate information. I made TransUnion aware of the inaccurate information on XX/XX/XXXX ( FORM A ). This was sent certified mail in which they received on XX/XX/XXXX ( FORMS B and C ). In my letter, I asked for validation of the unverified accounts as well as everything they had in my files as of that date. In response, TransUnion sent me a letter ( FORM D ) that stated one account had been updated and the other had been verified, however, they did not comply with my request of providing me with everything they had in their file as of that date to support their claim of validation. 
As a response, I followed up with another letter on XX/XX/XXXX ( FORM E ). TransUnion received this letter on XX/XX/XXXX ( FORM F and G ). In this letter, I informed them of more inaccurate and unverified accounts reflecting on my credit report. I also mentioned the accounts that I had originally disputed, and that they had not been properly/lawfully verified as accurate, so they should be deleted. In response, TransUnion sent another letter addressing all of the debts ( FORM H ). I found that two of  the accounts I disputed had been deleted, but other accounts were showing results of validation and/or updated. TransUnion still never sent me proof of such validation or any of physical documents in my file that I had requested. 
TransUnion is violating my rights as a consumer and has not met the time regulations for properly validating accounts. Since they were not able to provide me with the physical proof of what they used to verify these accounts, within the FCRA time frame, they must all be deleted. 

Thank you for all of your help, XXXX
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXX/XX/2022.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Failure to Provide Information Pursuant to Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a formal complaint against the three credit reporting agencies ( XXXX, XXXX, and TransUnion ) for their failure to provide me with or respond to my request as per my written notice dated XX/XX/2024. I believe this action violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I sent a written request to each of the credit reporting agencies mentioned above requesting specific information related to my credit report, as allowed under the FCRA. However, to date, I have not received any response or acknowledgment of my request from any of the credit reporting agencies. 

This failure to respond is not only a violation of my rights under the FCRA but also hinders my ability to review and verify the accuracy of the information being reported about me. As a consumer, I am entitled to access this information and ensure that it is correct and up to date. 

I am invoking my rights under the FCRA and requesting that the credit reporting agencies promptly provide me with the requested information. Additionally, I request an investigation into why my initial request was not acknowledged or responded to within the required timeframe. 

Please find the details of my original request enclosed with this letter for your reference. I kindly ask for your immediate attention to this matter and a timely resolution in accordance with the FCRA. 

Thank you for your prompt action in this regard. I look forward to your response within the statutory timeframe. 


Enclosures : 1. Copy of original written notice dated XX/XX/2024 2. Any relevant documentation or correspondence related to this complaint
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 checked my checking account balance in the morning, noticed it was incorrect/unauthorized online domestic wire transfer in the amount {$4900.00} one the same day I reported to Citibank to investigate and asking for refund, also I stop by one of Citibank branch to file an affidavit. 
On XX/XX/2022, I received in the amount of {$3800.00} a incoming wire transfer from Citibank As of today I still do not receive full amount, a balance of XXXX still not resolve this is a fraud online wire transfer I attached full details of supporting documents with 6 pages for reference, thank you
Product: Debt collection

A person went to my mom 's house to serve papers supposedly for me. I'm not sure if this is legal as that is confidential information and it was not me being served.
Product: Mortgage

Then, my agent and I got on the phone with another Loancare representative. To that representative, we gave them a fax number to the title company. We repeated the number and had them repeat the number back to us. The fax never came. 

On XX/XX/XXXX, the title company called Loancare again to check on the update of the payoff statement. They claimed they sent it to my email. It has not been received. Today, Loancare drafted a payment from my bank account. 

I do not understand why they can not send this payoff. Furthermore, I have reason to believe the payoff amount previously quoted is inaccurate : the original mortgage was for approximately {$300000.00} in XXXX. It was a fixed rate loan amortized over 30 years. In XXXX, in accordance with HARP, I modified the loan, deferring part of the principal balance and lowering the interest rate to 5.0 %. However, the payoff demand is around {$280000.00}. After running multiple amortization scenarios, this payoff demand seems high.