23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I took over the mortgage on my mother 's house in XXXX. The mortgage was with XXXX XXXX at that time. They were supposed to turn the mortgage over to me, however they drug out the procedure for NINE months, then sent me a registered letter telling me that I could not have the mortgage because they were turning it over to another company. It was turned over to Fay Servicing. XXXX XXXX told me there would be no changes in the mortgage, I would still pay {$520.00} a month. That did not happen. Fay Servicing tried to raise my payments by almost {$200.00} a month. I told them there was no way I could pay that, so they changed the amount to {$590.00} a month. Recently however my payments are now {$710.00}. I know the intrest rate can change on a mortgage, but they raised the principle of the mortgage. When the mortgage was turned over to them it was around {$66000.00} in XXXX. It was originally {$83.00}, XXXX in XXXX when my mother refinanced the house. Fay Servicing raised the principle to {$72.00}, XXXX. I HAVE NOT refinanced my house. I know interest rates can vary, but I do not think the principle can be raised ( I know the difference between interest and mortgage ). Every single review I have read about Fay Servicing is negative. I did not choose that company.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts. they are hurting my credit and my ability to obtain credit.
Product: Debt collection

I received a call from Sunrise Credit Services about a debt they were collecting on from XXXX XXXX XXXX Apparently I was charged for a phone that I never purchased. I have never had an account with XXXX XXXX XXXX  and after speaking to them numerous times in response to past due notices I received, they were never able to locate an account with my name or identifying information. I was advised each time I called them that " everything would be ok and to disregard the letter ''. Well one day I review my credit and see a collection from Sunrise Credit Services regarding a balance from XXXX XXXX XXXX. I spoke to Sunrise and advised them of the situation. They sent me a fraud package to fill out, which I did and returned promptly to them. My XXXX and XXXX credit reports still reflect this collection. My score has been negatively impacted and so has my ability to receive the lowest rates available when borrowing money.
Product: Credit card or prepaid card

Since XXXX of XXXX I have closed this account with XXXX people and reported it to credit bueraus. They ( XXXX ) stated I had a balance and have charged me interest since XXXX of XXXX, when the account is and has been closed. I have spoken to ( XXXX ) since XX/XX/XXXX asking them to close account and why am I still being charged interest on a closed account XXXX XXXX {$71.00} was paid on balance of {$140.00} then another payment was paid XX/XX/XXXX for {$71.00} and Paid In Full no balance. did not recieve another statement until XX/XX/XXXX stating my balance was {$170.00} with payments totaling {$100.00} with a {$30.00} credit? oweing new balance of {$40.00}. I did not understand since 2 payments of XXXX were paid in XX/XX/XXXX, so I paid the {$40.00} in full and called to close account. I did that on XX/XX/XXXX talking with a person called XXXX and closed account @ XXXX XXXX XXXX I requested a confirmation email which I never recieved, then in XX/XX/XXXX I got a statement stating I had a balance of + {$62.00} and was charged a late fee and a past due amount for the total of owing {$62.00} with minimum payment of {$36.00}. I paid it in Full and once again I called to close account with XXXX, asking for confirmation. XXXX transfered me to XXXX spoke with XXXX XXXX and got XXXX  # XXXX. On XX/XX/XXXX @ XXXX XXXX XXXX I spoke XX/XX/XXXX with XXXX because I had not yet recieved the email confirmation I was to recieve. Since then they have been emailing, calling, leaving messages and pretty much harrassing me to pay on a 3-4 x closed account. 
It has caused havic on my credit report, effected my score. 
Comenity Bank.XXXX has caused damage to my credit. 
I don't know what else to do. I am not a wealthy person and I am not going to continue paying this preditory company. 
Thank you,
Product: Credit reporting

I sent Experian a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. Experian received this letter XX/XX/XXXX ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:XXXX XXXX XXXX Account # : XXXX. XXXX XXXX Account # : XXXX. 

According to FCRA 15 U.S. Code XX/XX/XXXXi sub-paragraph ( a ) ( 7 ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA 15 U.S. Code XX/XX/XXXXn Sub-paragraph ( a ) 1 ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon I am writing to file a complaint about XXXX XXXX credit card. I have two XXXX XXXX credit cards. I am very frustrated with there credit reporting. I have mad multiple disputes about showing two late payments for the same two months on both of my cards which is inaccurate and I also just paid off these cards and one card showed the balance went to {$0.00} after I paid it then two days later back up to {$310.00}. Their credit reporting is very inaccurate and frustrating and is hurting me as a consumer damaging my credit for their inaccuracies that they will have yet to fix multiple disputes later. I would like my balance to show my REAL balance of {$0.00} since I paid them off and to remove the two late payments off of both my credits cards right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX began sending me bills ( XXXX? ) with ~ {$1200.00}. balance I contacted the company directly and explained I did not open an account ( for their mail order catalog products? ). No items were never shipped to my address. 
XXXXXXXX XXXX  began late reporting my credit anyways for months. 
I reported the XXXX account as part of identity theft suffered. 
I reported XXXX to Equifax, but still in XXXX, it is showing to creditor who pull my report. 

I am requesting this derogatory false information be removed from my credit report immediately, as it is harming my ability to refinance my property. It is holey inconsistent with the rest of my credit accounts and history. 

Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the IRS, an unpaid charge-off is income and according to the FCRA income can not be reported on a credit report. I am requesting a XXXX ( Cancellation of XXXX ) from the below charged-off accounts. Please send the XXXX form. 

XXXX - Account number XXXX Amount {$2600.00} XXXX - Account number XXXX Amount {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

First I must begin with my information was part of the massive XXXX XXXX leak back in XXXX. I had a pretty rough time with credit years ago, but never really cared enough to check my credit at all until recently. 
My credit report has been mixed up and merged with another persons and instead of immediately deleting the fraudulent and incorrect information, XXXX keeps opening new disputes for me when I call and then updating the personal information to match mine instead! I didnt want a dispute! I wanted the information deleted. 

Starting towards the beginning of XX/XX/XXXX I began calling and discussing with XXXX a couple of accounts/inquiries I didnt recognize as mine and wanted deleted. They instead opened a dispute for me, updated those accounts to link them to me and kept them on my profile when the dispute was completed. 

Then I had an entire bulk of additional accounts that were also in someone elses name added to my credit on top of that. Once again, I called and spoke with an associate at XXXX and they insisted they could erase information immediately even after I explained what happened before. They insisted that they would code everything right for deletion. So they opened another dispute for me and then the information was, once again, just updated and remained on my report. 

These accounts were completely in someone elses name, address and SS # however XXXX not only left them on my account. They updated the names, addresses and SS # during their disputes to match my information! 

Thats completely unethical and illegal in my personal opinion. All the bureaus pool information together from these consumer reporting agencies, thatre just random third parties that have no real way of validation. Whos going to hold the 3 bureaus or all the consumer reporting agencies accountable for these mistakes or fine them for their wrongdoings? Absolutely no one. They have no fear in putting anything they want on anyones credit report, regardless of the outcome for their financial situation. 

I request IMMEDIATE removal or verification of all accounts in question and have lost faith completely all the credit reporting and consumer reporting bureaus for reporting false or incorrect information so freely.
Product: Credit reporting or other personal consumer reports

Previously submitted a dispute to Experian. Accounts do not belong to me and/or are inaccurate. Experiencing didnt remove accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this dispute for a second time and demanding that this item be investigated and removed in its entirety, immediately. This matter has already been addressed, and is in clear violation of the Fair Debt Collection Practices Act, 15 USC 1692g, however this third-party creditor is still illegally reporting invalidated information to all three major credit bureaus ( XXXX, Equifax, XXXX ) constituting fraud under both Federal and State law. 

This is a direct violation of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and Defamation of Character. This incorrect information being listed on my consumer reports is resulting in application denials, causing me financial stress and hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 Collection Accounts on my Credit Report from XXXX XXXX and XXXX XXXX. They are not valid. They XXXX XXXX XXXX XXXX had approved disputed charges with XXXX. These are the amounts in question- and they were approved disputes. This has nothing to do with XXXX who harasses me via phone with blocked numbers every single weekday. I have had to change my phone numbers 5 times. Further they not only threatened me, but they ruined my credit without me even knowing how they were at first. They violated 4 Hawaii laws as they do not have business even contacting me while I was in Hawaii, and violated Utah law too as they aren't a registered entity here either. Yet they continue to Park Debt despite the FTC lawsuit on my Credit Files with all the major bureaus. It was only after reporting to XXXX that they sent me 5 statements that are way after I stopped my relationship with XXXX XXXX. they don't know the history and the Credit Bureaus side with them because their client is XXXX XXXX and all three Bureaus get money from marketing with XXXX XXXX so they ignore the consumer and allow XXXX to fraudulently park this debt that is not mine on my report.
Product: Money transfer, virtual currency, or money service

Despite using zelle multiple times and reporting multiple issues, my bank and zelle have failed to adequately investigate these discrepancies. Then for me that they were unable to track lost funds and tracking these transactions were unfeasible. The findings from the CFPB not only show that zelle neglected to protect their users, but allowed for offenders to repeatedly exploit their system, leaving uses vulnerable to scams.
Product: Student loan

Mohela has lied to me and many other borrowers about turnaround time. I am afraid they will not refund my loan, that by law, they must refund if during the COVID-19 Pandemic ( within the last year payments were made ). I have tried calling and been on the phone for hours. I dont know what to do, they have lied and many people are having problems reaching them. It has been close to 50 days since I talked to them.
Product: Credit card or prepaid card

I accidently sent an electronic payment of XXXX to Barclay Bank Credit card in XX/XX/2020 through my XXXX XXXX online banking account. 

The credit card was discontinued several years ago but was still on my list of payees. 

I contacted Barclay customer service and they said the payment was sent to another bank as the credit card was sold to them. I never had an account with the other bank and they have no record of me as a client. 

XXXX XXXX  gave me XXXX XXXX to work with because they are the electronic transmittal service. 

XXXX has made numerous phone calls with me on the line to Barclay. XXXX has faxed ( the only way Barclay will accept ) the proof of payment several times. Barclay agents keep saying they have not received proof and will not return my money.

It has been over 7 months and I want them to returnt my money.
Product: Debt collection

I started receiving phone calls from GB Collects stating I owed a debt from XXXX XXXX in an amount of XXXX which was not true after that phone call I received a letter to answer to the debt and I did so I sent them a certified letter asking them to send me a contract with all complete documents and my signature On XX/XX/2018 which they fail to do so I sent them a letter stating this According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on my credit report. Otherwise, fraudulent account. That is reported company will be talking to court you have 30 days from the date listed above to send contract in full are I will see you in court I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts. Your failure to positively verify the accounts has hurt my ability to obtain credit. the company sent me document of my name on somebody else bank account I really don, t think that is okay and action need to be taken on GB Collects
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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
Product: Credit reporting or other personal consumer reports

The company stated that they were not reporting a false balance that they were reporting a XXXX balance and they have not reported a XXXX balance They are reporting {$120.00} balance as a XX/XX/XXXX and here it is now XX/XX/XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, Midland Funding and XXXX Funding refuse to provide me with 30 day Payoff Letters so that my mortgage company can pay them what I owe them. 

Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} 11 XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX   XX/XX/XXXX {$150.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX account # XXXX account # XXXX, is violating 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 also states a consumer reporting Agencey can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being charged for satellite equipment that I was told to discard. 

I was sent an email from XXXX to discard my equipment after I closed my paid and fulfilled account, so I did. Several weeks later I get another email that said to return said equipment. I contacted customer service and explained what had happened and was charged for that equipment. 

This has been sent to multiple collection agencies with each one reporting this same incident on my credit record. I have called and disputed this report. My problem is I did not save the first email they sent me. 

XXXX  and XXXX should held accountable for unfair credit reporting and business practices. I had no idea they would be dishonest with consumers but they have been with me.
Product: Credit card or prepaid card

After attempting to recoup money from the vendor, I made some chargeback requests for events I purchased that either did not happen or were cut off very early due to inclement weather. Citi was able to verify some on their own quickly, but they have closed others not in my favor or requested additional information in other instances. Being very busy, I've not been yet able to respond to all additional information requests, but I've had no issue with their resolution team until now. After processing these chargeback requests, Citi has suspiciously, and suddenly, closed all of my accounts in what I can only assume to be retaliation for my chargeback requests. They refuse to talk to me on the phone and will not state why the accounts have been closed or why they can't talk to me. The company has a duty by law to pursue chargebacks on behalf of their customers, and for them to retaliate when I ask them to exercise, on my behalf, specific rights is egregious - particularly when no one at Citi will even talk to me about the issue. I've read on forums other people have had gone through similar situations in which Citi has tried to shirk it's duty to customers by ending accounts without notice or valid reason. Citi should be held accountable and this kind of practice needs to stop. They are also conveniently trying to not pay me out on over {$100000.00} worth of cash back and TY rewards I earned on purchases that they've already been paid out for in processing fees, amounting to a huge unjust enrichment.
Product: Debt collection

Charge Offs 1099C, You wrote my debt off as a profit loss, which is in accurate because you never sent me a 1099C for the IRS. I have everything on my credit report has to be accurate. You should not be reporting this to my credit report which makes it fraud or I can report this to the IRS, FTC, CFPB For suspicion of fraud. Please remove these items from my credit report immediately. I have repeatedly asked you to remove this from my credit report for the last two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a letter as formal complaint that Transuion is reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : XXXX XXXX XXXX Collection Amount : {$1300.00} Original creditor name : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Product: Credit reporting

Attempted to temporarily lift a freeze at TransUnion using their website. Their website made it unclear as to whether or not the lift was a temporary or permanent lift. This resulted in an accidental permanent lift of the record freeze. TransUnion refuses to waive a {$10.00} fee to reinstate the freeze, despite the fact that their website makes it unduly difficult to monitor and control one 's credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous unauthorized inquiries on all three of my credit reports ( XXXX, Equifax, XXXX  ) that I have been fighting to be removed from my credit. I have disputed this with each of the credit bureaus above for almost a year with no results. I have asked for validation such as a signed credit application with my original signature which I have not been granted as of yet. According to the FCRA 15 US Code 1681, the only way to access my credit report is if I have given permissible purpose to do so. I HAVE NOT given any permission to anyone to make an inquiry with my credit which deems this impermissible and therefore should be deleted. Below is a list of the inquiries from each credit bureau that I did not give my permission : XXXX  : XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX   XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX Equifax : XXXX XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX   XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX XXXX  : XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX   XX/XX/XXXX
Product: Mortgage

Nationstar appears to not be answering when letters were sent to them. A Notice of Error was sent with Certified Receipt and no response came back. The last 3 months, " New Evidence '' was provided by a Federal Agency that shows that a wrong claim is being represented. This pertains to XXXX having already said they were only lender/beneficiary and had accelerated this note in XX/XX/XXXX. 

The SEC states that the named Trust is Terminated. It was taken back to XXXX XXXX XXXX to which they said that the " Assignment in XX/XX/XXXX '' is a MISTAKE. And that Trust could not have been assigned to XXXX 's note. XXXX also had caused a NOD in XX/XX/XXXX ' Solely naming XXXX. There was no such Trust as being named that Nationstar says they work on behalf. I think that " XXXX '' had transferred to Nationstar a Note that was time barred as of XX/XX/XXXX, Exceeding the CA COMM CODE 3118. No ENFORCEMENT RIGHTS REMAIN. However, Nationstar will not answer this topic. 

And the Attorney firm XXXX XXXX XXXX   was also provided " Certified Mail '' and a Demand to Release this Lien as per CA Civil Code 2941. et seq. XXXX XXXX XXXX agreed all 3 of my properties were in fact time barred and past the Statutes. 

XXXX XXXX is not answering either and stated that Nationstar will answer. Neither one is answering me on this very important topic. This can lead to stealing property from another and which I think that is what they are trying to do. They will not look at the facts. 

I am asking to Please answer the requirements of which were sent in the mail. Proof of receipt and yet they continue to state they will be answering. I am waiting for the confirmation of the Release of the Lien. This has been twice time barred. Over 12 years and stale debt being claimed. 

Thank you.